Podcasts about Quicken

Review Lessons 171-180IntroductionWe now review again. This time we are ready to give more effort and more time to what we undertake. We recognize we are preparing for another phase of understanding. We would take this step completely, that we may go on again more certain, more sincere, with faith upheld more surely. Our footsteps have not been unwavering, and doubts have made us walk uncertainly and slowly on the road this course sets forth. But now we hasten on, for we approach a greater certainty, a firmer purpose and a surer goal.Steady our feet, our Father. Let our doubts be quiet and our holy minds be still, and speak to us. We have no words to give to You. We would but listen to Your Word, and make it ours. Lead our practicing as does a father lead a little child along a way he does not understand. Yet does he follow, sure that he is safe because his father leads the way for him.So do we bring our practicing to You. And if we stumble, You will raise us up. If we forget the way, we count upon Your sure remembering. We wander off, but You will not forget to call us back. Quicken our footsteps now, that we may walk more certainly and quickly unto You. And we accept the Word You offer us to unify our practicing, as we review the thoughts that You have given us.This is the thought which should precede the thoughts that we review. Each one but clarifies some aspect of this thought, or helps it be more meaningful, more personal and true, and more descriptive of the holy Self we share and now prepare to know again:God is but Love, and therefore so am I.This Self alone knows love. This Self alone is perfectly consistent in Its thoughts; knows Its Creator, understands Itself, is perfect in Its knowledge and Its love, and never changes from Its constant state of union with Its Father and Itself.And it is This That waits to meet us at the journey's ending. Every step we take brings us a little nearer. This review will shorten time immeasurably, if we keep in mind that This remains our goal, and as we practice it is This to Which we are approaching. Let us raise our hearts from dust to life, as we remember This is promised us, and that this course was sent to open up the path of light to us, and teach us, step by step, how to return to the eternal Self we thought we lost.I take the journey with you. For I share your doubts and fears a little while, that you may come to me who recognize the road by which all fears and doubts are overcome. We walk together. I must understand uncertainty and pain, although I know they have no meaning. Yet a savior must remain with those he teaches, seeing what they see, but still retaining in his mind the way that led him out, and now will lead you out with him. God's Son is crucified until you walk along the road with me.My resurrection comes again each time I lead a brother safely to the place at which the journey ends and is forgot. I am renewed each time a brother learns there is a way from misery and pain. I am reborn each time a brother's mind turns to the light in him and looks for me. I have forgotten no one. Help me now to lead you back to where the journey was begun, to make another choice with me.Release me as you practice once again the thoughts I brought to you from Him Who sees your bitter need, and knows the answer God has given Him. Together we review these thoughts. Together we devote our time and effort to them. And together we will teach them to our brothers. God would not have Heaven incomplete. It waits for you, as I do. I am incomplete without your part in me. And as I am made whole we go together to our ancient home, prepared for us before time was and kept unchanged by time, immaculate and safe, as it will be at last when time is done.Let this review be then your gift to me. For this alone I need; that you will hear the words I speak, and give them to the world. You are my voice, my eyes, my feet, my hands through which I save the world. The Self from Which I call to you is but your own. To Him we go together. Take your brother's hand, for this is not a way we walk alone. In him I walk with you, and you with me. Our Father wills His Son be one with Him. What lives but must not then be one with you?Let this review become a time in which we share a new experience for you, yet one as old as time and older still. Hallowed your name. Your glory undefiled forever. And your wholeness now complete, as God established it. You are His Son, completing His extension in your own. We practice but an ancient truth we knew before illusion seemed to claim the world. And we remind the world that it is free of all illusions every time we say:God is but Love, and therefore so am I.With this we start each day of our review. With this we start and end each period of practice time. And with this thought we sleep, to waken once again with these same words upon our lips, to greet another day. No thought that we review but we surround with it, and use the thoughts to hold it up before our minds, and keep it clear in our remembrance throughout the day. And thus, when we have finished this review, we will have recognized the words we speak are true.Yet are the words but aids, and to be used, except at the beginning and the end of practice periods, but to recall the mind, as needed, to its purpose. We place faith in the experience that comes from practice, not the means we use. We wait for the experience, and recognize that it is only here conviction lies. We use the words, and try and try again to go beyond them to their meaning, which is far beyond their sound. The sound grows dim and disappears, as we approach the Source of meaning. It is Here that we find rest.LESSON 171Review of Lessons 151 - 152God is but Love, and therefore so am I.(151) All things are echoes of the Voice for God.God is but Love, and therefore so am I.(152) The power of decision is my own.God is but Love, and therefore so am I.- Jesus Christ in ACIM

This episode dives into the secrets of wealth building with George Antone, former lead software developer for Quicken and founder of Fynanc. Learn why focusing on capital structure and financial sequencing, not just assets and returns, is the real game-changer for accelerating your path to financial freedom. 3 Key Takeaways:1. Prioritize Capital Structure: Match the right financing to the right assets to grow wealth faster and avoid financial mistakes.2. Keep Liquidity: Maintain at least 20% of your portfolio in liquid assets like ETFs before investing in less liquid assets like real estate.3. Use Leverage Wisely: Borrow only against assets that can safely cover the debt themselves.George Antone:

In this episode, host Sandy Vance sits down with Aaron Patzer, the founder & CEO of Vital.io, for one of the most energizing and candid conversations in the series. Aaron built Mint.com, saved consumers $9 billion in bank fees, and then turned his attention to one of the most anxiety-inducing experiences a person can have: sitting in an emergency room not knowing what is happening.  Vital now guides 7 million patients through ER, inpatient, and urgent care visits in real time at hundreds of health systems, including Ascension, CommonSpirit, Emory, and MedStar. Aaron also shares his work on the AI Care Standard, a growing coalition of health systems and patient advocates building a framework to evaluate AI tools before they go anywhere near a patient. This one is packed with insight, sharp opinions, and genuinely important ideas. In this episode, they talk about: Vital sits on top of the EHR and guides patients through their ER or inpatient visit in real time, in plain language 65 to 70% of patients actively use Vital during their visit, one of the highest adoption rates in health tech Vital reduces leave without being seen rates by 35 to 50%, and those walkouts are worth $2,000 each, plus readmission penalties Health systems using Vital have seen up to 48 million dollars in additional top-line revenue across two hospitals Vital improves Press Ganey and HCAHPS scores by about 10 points and increases system retention by 30% Before showing any patient their doctor's notes, Vital runs 14 separate safety checks, including flags for new cancer diagnoses, pregnancy loss, and self-harm The AI Care Standard is a free, dynamic evaluation framework at aicarestandard.com that grades AI tools across 10 patient safety principles Most consumer-facing AI tools like ChatGPT cite Reddit and pop health blogs, not peer-reviewed clinical sources, and that is a patient safety problem A Little About Aaron: Aaron Patzer is Founder & CEO of Vital.io (AI-powered patient experience at 100+ hospitals), Mint.com (25m users), and five other startups. He served as Head of Product Innovation and an officer at Intuit. If you've used TurboTax, Quicken, Mint, or QuickBooks, you and 200M other people have used software he's designed. Fortune Magazine named Aaron one of the Top 40 Executives Under 40, has won 5 product design awards, and done over 600 press interviews, at one time appearing as a regular on CNBC, and writing a column for Parade Magazine. He is an angel investor in dozens of startups, including Carbon Health, Radix (now Relatient), HealthTap, and more. He holds degrees in electrical engineering & computer science from Duke, with PhD work at Princeton, and 10 patents as lead inventor, all in algorithms

Prepared to Feed the Church (1) (audio) David Eells, 3/29/26   Meats or Empty Sweets? K.H. - March 2011 (David's notes in red) The dream began as I arrived at this large convention center. (This represents the corporate church.) I walked through the glass front doors and went over to where a group of people were standing. As soon as I walked over to the group, a young woman came and asked if I wanted to help serve food. I agreed, as I enjoy serving others, and followed her into the kitchen area. (This dream is feeding the Church.) When I entered the kitchen, I saw many other volunteers lined up to get trays of food to take to the two different rooms, so I got in line. I was first given a tray and was told to go into the first room out of the kitchen door. In the first room, there were rectangular tables of people along the walls and two rows of tables down the middle; the room was filled with very hungry people. I noticed that the men, women, and children in that room had very worn clothes and were gaunt-looking. (Most of the church is starving for heavenly food.) I went to the first table in the middle of the room and started putting down the plates of food on my tray. (If we are partaking of the body and blood of Christ, we will be dressed up with Him as our wedding garment, and we will spiritually be healthy and strong. Rom.13:12 The night is far spent, and the day is at hand: let us therefore cast off the works of darkness, and let us put on the armor of light. 13 Let us walk becomingly, as in the day; not in reveling and drunkenness, not in chambering and wantonness, not in strife and jealousy. 14 But put ye on the Lord Jesus Christ, and make not provision for the flesh, to [fulfil] the lusts [thereof]. Notice that if we are putting on Jesus, we are putting on truth and not letting the flesh have its way.) After I finished passing out all the plates I had, I noticed that all of them had a slice of pie. (Pie is sweet and can fill you up if you eat enough of it, but you will have a sugar high and then a sugar low, and there is no substance to it.) As I watched the people begin to eat their pie, I realized that the pie slices were hollow -- there was no fruit in the pie. I was very disturbed by this and understood why they were so skinny, as they were not being fed properly. (Teaching what is sweet to the flesh is fruitless and will not make you strong in the Lord.) There were some people in the room who seemed to understand that there was no substance to their meal, but there were some who searched all over the plate and inside the crust to try to find the fruit that was supposed to be in the pie. (Some people in the apostate church are satisfied with the emptiness that they have grown accustomed to, but some are searching for the truth because they know there is more to Christianity than what they have been taught or fed.) (Man's opinions and traditions have no spiritual fruit or nourishment and do not clothe one's nakedness, so that spiritually their sin is revealed. Many don't know they are in this condition because those whom they consider spiritual seem the same way. Rev.3:16 So because thou art lukewarm, and neither hot nor cold, I will spew thee out of my mouth. 17 Because thou sayest, I am rich, and have gotten riches, and have need of nothing; and knowest not that thou art the wretched one and miserable and poor and blind and naked: 18 I counsel thee to buy of me gold refined by fire, that thou mayest become rich; and white garments, that thou mayest clothe thyself, and [that] the shame of thy nakedness be not made manifest; and eyesalve to anoint thine eyes, that thou mayest see. Those who do hunger and thirst for righteousness shall be filled. Matthew 5:6) I didn't want to continue because I began to feel so sad for those people who were still starving and not receiving what they had come for, but I felt in my spirit that I needed to deliver food to the next room. So, I went back into the kitchen and got another tray of food, and walked to the second room. As I entered the room, the tables were all set up the same way, but the people in that room had less-worn clothes and looked much healthier than the people in the other room. When I passed the plates of food out to the people in the second room, I realized that there were slices of meat, like a meatloaf. (Unlike the pie, you can become full by eating the meat and you will stay full longer without having the sugar high/low effect.) This meal seemed to satisfy all of the people much more than in the other room. (This second room represents those Christians who eat the meat of the Word and are getting fed by the true Word, not the empty gospel.) (Also, they are not just hearers of the Word deluding themselves, but doers of the Word. Jesus said that His meat was to do the will of His Father. He said that only those who hear and do the Word would have a house that would survive the waves and winds of life. Mat.7:21 Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father who is in heaven. 22 Many will say to me in that day, Lord, Lord, did we not prophesy by thy name, and by thy name cast out demons, and by thy name do many mighty works? 23 And then will I profess unto them, I never knew you: depart from me, ye that work iniquity. 24 Every one therefore that heareth these words of mine, and doeth them, shall be likened unto a wise man, who built his house upon the rock: 25 and the rain descended, and the floods came, and the winds blew, and beat upon that house; and it fell not: for it was founded upon the rock. 26 And every one that heareth these words of mine, and doeth them not, shall be likened unto a foolish man, who built his house upon the sand: 27 and the rain descended, and the floods came, and the winds blew, and smote upon that house; and it fell: and great was the fall thereof. It would be far better for some to stay home and read their Bible than to go to a spiritually poverty-stricken and starving church only to be fed leaven.) As soon as I woke up from this dream, the Lord reminded me of this passage in Joh.6:47 Verily, verily, I say unto you, He that believeth hath eternal life. 48 I am the bread of life. 49 Your fathers ate the manna in the wilderness, and they died. 50 This is the bread which cometh down out of heaven, that a man may eat thereof, and not die. 51 I am the living bread which came down out of heaven: if any man eat of this bread, he shall live for ever: yea and the bread which I will give is my flesh, for the life of the world. 52 The Jews therefore strove one with another, saying, How can this man give us his flesh to eat? 53 Jesus therefore said unto them, Verily, verily, I say unto you, Except ye eat the flesh of the Son of man and drink his blood, ye have not life in yourselves. 54 He that eateth my flesh and drinketh my blood hath eternal life: and I will raise him up at the last day. 55 For my flesh is meat indeed, and my blood is drink indeed. 56 He that eateth my flesh and drinketh my blood abideth in me, and I in him. 57 As the living Father sent me, and I live because of the Father; so he that eateth me, he also shall live because of me. 58 This is the bread which came down out of heaven: not as the fathers ate, and died; he that eateth this bread shall live for ever. (Jesus is the Word made flesh, which we must eat. It is plain that a person cannot just blindly go to “church”, as the Jews did, and not partake of the Word for himself and expect to have life.) There are so many Christians who are spiritually starving under the apostate church, and I am thankful for the Lord giving me this reminder to pray for His children who are still searching for Him so that they find the truth sooner rather than later. Only when Christ is in us through eating the Word do we bear His fruit, 30-, 60- and 100-fold, and are strong to withstand the attacks of the enemies who come to plunder us of our heritage.   Transformed to Bear Fruit in Others Judy Fahrnow - 06/12/2016 Notes: [David | Debbie Horton ] In a dream, I was in the living room, feeding a small baby boy a bottle of milk. (This represents feeding her spiritual man of “Christ in you”. 1Pe.2:2 As newborn babes, long for the spiritual milk which is without guile, that ye may grow thereby unto salvation. Mat.12:50 For whosoever shall do the will of my Father who is in heaven, he is my brother, and sister, and mother. We are the mother of Christ if we feed our spiritual man the Word of God. In the parable of the seed of the sower, the seed of God is His Word, and our heart is the womb to bring forth the fruit of Christ 30-, 60- and 100-fold. When the baby is born, this fruit of Christ is revealed to the world for we are to look like our Father. Luk.1:30 And the angel said unto her, Fear not, Mary: for thou hast found favor with God. 31 And behold, thou shalt conceive in thy womb, and bring forth a son, and shalt call his name JESUS. And Elizabeth said unto Mary, who like us was to bear the fruit of Jesus, 45 And blessed is she that believed; for there shall be a fulfilment of the things which have been spoken to her from the Lord.) The neighborhood kids kept coming into the house and getting out all of the baby boys toys. (Other Christians try to distract our born-again man with the things of the world so we don't grow up in Him. Eph.5:15 Look therefore carefully how ye walk, not as unwise, but as wise; 16 redeeming the time, because the days are evil. 17 Wherefore be ye not foolish, but understand what the will of the Lord is.) Col.3:2 Set your mind on the things that are above, not on the things that are upon the earth. 3 For ye died, and your life is hid with Christ in God. 4 When Christ, who is our life, shall be manifested, then shall ye also with him be manifested in glory. Manifested here is phaneroo, and it means “to make visible” [as in a birth]; “to cause to shine” [as the shining forth of the glory of Christ].) I didn't want all that chaos, clutter and noise as I was feeding the baby. (Because we must concentrate on the milk of the Word so our spiritual man will grow up into the meat and image of Christ. 2Co.3:18 But we all, with unveiled face beholding as in a mirror the glory of the Lord, are transformed into the same image from glory to glory, even as from the Lord the Spirit.) Then I told all the other children to pick up the toys and put them away and that they had to leave. I ushered them out the door, closed it, and locked the door so they could not try to come back inside. Mat.6:33 But seek ye first his kingdom, and his righteousness; and all these things shall be added unto you. Luk.10:41 But the Lord answered and said unto her, Martha, Martha, thou art anxious and troubled about many things: 42 but one thing is needful: for Mary hath chosen the good part, which shall not be taken away from her. Jos.1:8 This book of the law shall not depart out of thy mouth, but thou shalt meditate thereon day and night, that thou mayest observe to do according to all that is written therein: for then thou shalt make thy way prosperous, and then thou shalt have good success. Gal.5:16 But I say, walk by the Spirit, and ye shall not fulfil the lust of the flesh. 17 For the flesh lusteth against the Spirit, and the Spirit against the flesh; for these are contrary the one to the other; that ye may not do the things that ye would.) Then, as I was going back to where the baby was to feed him, I couldn't find him. Then I noticed he was bigger and walking around the room, and I thought, “Well, I can't feed him anymore from a bottle; he needs more grown-up food or a jar of baby food”. (Judy's fruit of Jesus grows quickly from the milk of the Word to the meat because she is concentrating on the spiritual and not the carnal; the Word and not the world. Heb.5:12 For when by reason of the time ye ought to be teachers, ye have need again that some one teach you the rudiments of the first principles of the oracles of God; and are become such as have need of milk, and not of solid food. 13 For every one that partaketh of milk is without experience of the word of righteousness; for he is a babe. Notice that experiencing the Word and not just knowing it is going from milk to meat: 14 But solid food is for fullgrown men, even those who by reason of use have their senses exercised to discern good and evil. We must use the Word to experience it and grow to maturity. Jas.1:22 But be ye doers of the word, and not hearers only, deluding your own selves. 23 For if any one is a hearer of the word and not a doer, he is like unto a man beholding his natural face in a mirror: 24 for he beholdeth himself, and goeth away, and straightway forgetteth what manner of man he was. 25 But he that looketh into the perfect law, the law of liberty, and so continueth, being not a hearer that forgetteth but a doer that worketh, this man shall be blessed in his doing.) Then I was also wondering where I was going to find clothes to fit him because he was growing so fast, and he just kept growing and growing until he was very tall, maybe seven feet tall. (Our spiritual clothes are our works of righteousness and show our maturity, as in being a member of the Bride. Rev.19:8 And it was given unto her that she should array herself in fine linen, bright [Lampros, meaning “radiant”; i.e., glory] and pure: for the fine linen is the righteous acts of the saints. He also had wide shoulders. Isa.9:6 For unto us a child is born, unto us a son is given; and the government shall be upon his shoulder: and his name shall be called Wonderful, Counsellor, Mighty God, Everlasting Father, Prince of Peace. Then I felt I needed to find my husband to tell him what had happened. (Our spiritual husband is Jesus, Who is the Word, which is the seed that brings forth His life in the womb of the natural man. Judy here represents the natural man who brings forth the spiritual man of “Christ in you”. All of God's people are called to bear the fruit of Jesus. The first-fruits of these sons of God is the Man-child who will lead God's people through the wilderness tribulation in the days to come. This Man-child will be caught up to the throne of God's authority to do this work.) He then said he needed to go to his father, and we got into the car, and he backed the car out of the driveway and drove to a big open field. Mat.13:38 The field is the world. He got out of the car and looked up, and I saw the heavens open up and he ascended into Heaven, just like Jesus did. (Our personal Man-child will live with our Father in heavenly places. Eph.1:3 Blessed be the God and Father of our Lord Jesus Christ, who hath blessed us with every spiritual blessing in the heavenly places in Christ: 2:6 and raised us up with him, and made us to sit with him in the heavenly places, in Christ Jesus.... The first fruits Man-child company will now be caught up to the throne to minister to the Woman Church in the wilderness. Rev.12:5 And she was delivered of a son, a man child, who is to rule all the nations with a rod of iron: and her child was caught up unto God, and unto his throne. 6 And the woman fled into the wilderness, where she hath a place prepared of God, that there they may nourish her a thousand two hundred and threescore days.) The seed is in the fruit. Those who have the fruit now have the seed. The next thing I knew, I was back home in my living room. (Ready to go to work in the Kingdom.) I didn't drive back. I was just “there,” back in my home. I was feeding another baby, and he also started to grow really fast. (Once our spiritual man is grown, we are capable of feeding and raising other spiritual men so that they, too, can bear fruit quickly and live in heavenly places in Christ. Luk.6:42 Or how canst thou say to thy brother, Brother, let me cast out the mote that is in thine eye, when thou thyself beholdest not the beam that is in thine own eye? Thou hypocrite, cast out first the beam out of thine own eye, and then shalt thou see clearly to cast out the mote that is in thy brother's eye.) As I watched him grow, I had another baby in my arms, feeding him, and again he grew really fast, and another baby appeared in my arms, and I was feeding him. It was like the babies just kept coming and coming and growing up very fast. ... And then the alarm clock went off. (The time will come when the time is up to bear the FIRST-fruit in others but in the wilderness many will bear the fruit of Christ through them. Just as the disciples of Jesus, the first-fruit, grew up to bear His fruit so it will be with many others. This is what Jesus taught in Joh.12:24 Verily, verily, I say unto you, Except a grain of wheat fall into the earth and die, it abideth by itself alone; but if it die, it beareth much fruit. We must die to our own will and the toys of this world and seek first the Kingdom of God and His righteousness. The catching to the throne of the FIRST-fruit is near.) I asked the Lord for a verse regarding this dream and opened the Bible and put my finger down on Eze.37:4 again he said unto me, prophesy over these bones, and say unto them, O ye dry bones, hear the word of the Lord. (This is the way the revival will bring in the dead religious multitudes and give them life in Christ. Even as Satan's minions fight to stop us. Many have been diligent to get the Word out to others so they can grow up quickly.) (I also asked for a Word by random computer and received Pro.14:23 In all labor there is profit; But the talk of the lips tendeth only to penury.) (Meaning, let's talk about it less and feed the spiritual man more or we will end up spiritually poverty-stricken.)   Man-child / Bride Feed Apostate Baby Believers Missy Pollock - 04/24/2012 B. A. notes in green | David's notes in red In a dream, I was walking on a dirt road in the middle of nowhere (the wilderness tribulation), following a young man. I had a love for this young man whom I had never felt before. (In type, Missy is following Jesus in the Man-child who will lead the Bride and under her the Church through the wilderness tribulation.) This young man went into a field (the world) and when he came back out of the field, he had a baby in his arms. He was now dressed in shepherd-like clothing that was multicolored. (Having this multicolored clothing on when he came out of the field means he was anointed to be the Man-child.) (Joseph's coat of many colors represents the attributes of the light of Christ, the Man-child.) I asked him with great concern for the baby, “Where did you get that baby?” (Which represents believers in the worldly church who have not yet matured.) He didn't say anything. I kept following him with this baby. The next thing I knew, we were on the second floor of a house, walking into a room. (No longer walking on earth, walking in the first stage of the spiritual realm, walking in the light, walking in heavenly places in Christ Jesus.) In this room was a crib full of babies. I asked the young man again with great concern for these babies, “Where did you get all these babies?” He didn't answer, but I knew he had rescued these babies because he loved and cared for them. (The Man-child will rescue many baby Christians from the apostate leadership.) I was holding one of the babies, and it was cute with very dark skin. (They are very dark because they have been walking in the apostasy of the church.) I also noticed the baby had sharp claws on its hands and feet (meaning they have beastly works and walk). I asked the young man, “Are you sure this baby is human?” He said, “Yes, I'm sure”. I felt funny asking this. I said, “I hated asking that, but I wasn't sure”. (The beast nature in the spiritual land of their life keeps the believers from maturing. Exo.23:29 I will not drive them (meaning, the carnal man) out from before thee in one year, lest the land become desolate, and the beasts of the field multiply against thee. 30 By little and little I will drive them out from before thee (meaning the spiritual man), until thou be increased, and inherit the land.) After that, I felt this dark presence of a man (representing the apostate leadership) come up from behind me, and he tried to seduce me (by speaking leavened words which are doctrines of demons). I said, “Leave me alone; get away from me”. Then, all of a sudden, I realized where the young man got the babies. I said to him, “I get it. I know where you got these babies”. He got these babies from carnal women who couldn't take care of them (because they don't have the unleavened Word of God to feed them). (Isa.4:1) And seven women (the seven churches, representing the sects of Christianity) shall take hold of one man (Jesus in the Man-child) in that day, saying, We will eat our own bread, and wear our own apparel: only let us be called by thy name; take thou away our reproach.) I said, “You bought them from him”, meaning the dark-presence man. (The Man-child paid the price to receive the Unleavened Bread and feed the babies who were under the false prophet, apostate leadership.) Then the dark presence of this man was gone. (When you expose the darkness by speaking the light of the truth, it must go.) (When you reject the seduction of leaven, he has no power.) I then went over to the crib full of babies. With each of the babies was a birth certificate-type document showing ownership (born of God, purchased by the blood of the Lamb). I noticed one of the babies was a little chubbier than the rest and it didn't have any hair (representing, overindulging in the world and no submission to God). I picked this baby up and started taking care of it. I immediately loved this baby. I took the baby with me out of the room, into another room where there was a set of stairs that went down to the first floor. A man was standing on the stairs, almost at the bottom, keeping guard. (Watching for thieves, like the Pharisees, stealing God's sheep.) Joh.10:1 Verily, verily, I say unto you, He that entereth not by the door into the fold of the sheep, but climbeth up some other way, the same is a thief and a robber.) I would tell the baby, “Mommy loves you,” and I would just kiss and kiss the baby and tell it that I loved it over and over again. (I was feeding the baby with kisses, which are the Word of God. Son.1:2 Let him kiss me with the kisses of his mouth; For thy love is better than wine.) (Love of the brethren is one of the most common themes in the Word, and “Love never faileth.” Love them into the kingdom.) This room looked like the reception area of a doctor's office. A woman was standing by a desk, looking at some files in her hands. She asked me, “Didn't you use to wear glasses?” (Seeing the world's way.) I said, “Yes, but not anymore because I can see now”. She then took a card out of one of the files and put it really close in front of my face, and it was all blurry. (She is not near-sighted but far-sighted, like those with faith who see things far off as already in their possession.) She then took it away quickly and said, “You can see”. (I used to wear glasses but stopped wearing them, believing that my eyes are healed in Jesus' name. The card, blurry when I looked at it, was showing that I had learned to walk by faith and not by sight. I represent the Bride, and the test was to see if I was qualified to be in the Bride and take care of the baby.) (Only those who walk and see by faith for the babies can teach faith to them.) These are the verses that the Lord gave me: 1Co.15:27 For, He put all things in subjection under his feet. But when he saith, All things are put in subjection, it is evident that he is excepted who did subject all things unto him. (28) And when all things have been subjected unto him, then shall the Son also himself be subjected to him that did subject all things unto him, that God may be all in all. (“Things” in this verse is italicized in the Numerics because it is the chosen people who are being brought into submission and subjection to the Father, like the overindulgent and under-submissive baby Christians that the Man-child and Bride were caring for in the dream.) 2Ch.33:3 For he (Manasseh, the dark presence leadership) built again the high places which Hezekiah his father had broken down; and he reared up altars for the Baalim, and made Asheroth, and worshipped all the host of heaven, and served them. 4 And he built altars in the house of Jehovah, whereof Jehovah said, In Jerusalem (the Bride) shall my name be for ever. 5 And he built altars for all the host of heaven (He caused God's people to sacrifice their lives to demons) in the two courts of the house of Jehovah. 6 He also made his children to pass through the fire in the valley of the son of Hinnom (his leadership sent his spiritual children to hell); and he practiced augury, and used enchantments, and practiced sorcery, and dealt with them that had familiar spirits (all forbidden knowledge and false prophecy demons), and with wizards: he wrought much evil in the sight of Jehovah, to provoke him to anger. 7 And he set the graven image of the idol, which he had made, in the house of God (he raised up the golden calf in God's house), of which God said to David and to Solomon his son, In this house, and in Jerusalem, which I have chosen out of all the tribes of Israel, will I put my name (Hebrew meaning: “nature, character and authority”) for ever: 8 neither will I any more remove the foot of Israel from off the land which I have appointed for your fathers, if only they will observe to do all that I have commanded them, even all the law and the statutes and the ordinances [given] by Moses. (Because of this dark leadership, the people were driven from the land of milk and honey into captivity to the beast.) 9 And Manasseh (meaning “causing to forget”) (This apostate leadership of God's people caused them to forget His Word and ways. He) seduced Judah and the inhabitants of Jerusalem (as the apostate leadership), so that they did evil more than did the nations whom Jehovah destroyed before the children of Israel. Dan.2:12 For this cause the king was angry and very furious, and commanded to destroy all the wise men of Babylon. (The beast will destroy the harlot as Revelation says. He will destroy all the apostate leadership [or dark presence man] by bringing them under submission to it. In Revelation 17, the beast is a corporate body of spirits from the abyss who enter perdition or destruction, as in the corporate body of the sons of perdition.) Psa.80:18 So shall we not go back from thee: Quicken thou us, and we will call upon thy name. 19 Turn us again, O Jehovah God of hosts; Cause thy face to shine, and we shall be saved. (Father will grant grace to many apostate babies to turn to Him because they are not as responsible as their leaders are for their sins.)   Bride to Feed the Tribulation Church Eve Brast - 01/12/2011 (RS and David's notes in red) I dreamed I was at my dad's parents' old house in Highland Park in Dallas, Texas. Their home had been built during the Great Depression in the 1930s (the world is coming to a great depression) and was surrounded by million-dollar mansions when I was young. (Eve here represents the Bride, for she was the bride of Adam, and Jesus was the last Adam. The house that Eve was raised in represents the Church, which is overshadowed by this world. The Church is returning to the depression era in the Tribulation, while being completely outclassed and encircled by the world beast.) They had refused to sell their lot. (Like Naboth, they will refuse to sell their inheritance land [their lives] to Ahab, representing the beast.) I was on what appeared to be a transparent racetrack in the air above their house. (We are running a spiritual race, which is unseen, in heavenly places, above the church which is earthly.) I was running around on this track, preparing all sorts of healthy fruits and salads for God's people. (The Bride is preparing the Word from heaven for the people.) The Holy Spirit spoke to me and told me to go downstairs and feed the people. (She was to feed them the true Gospel.) I went downstairs into the kitchen and dining area and set the food I had prepared near the double sink on the right side of the kitchen. I had a small plastic container of dried cranberries that I had prepared for myself that I set down with the other food. (Cranberries are a very healthy fall fruit, but when dried, they are preserved so they can be eaten any time of the year, like the Word that will go forth from the first-fruits Man-child ministry, preserved by many methods of recordings, so many can partake of them any time. The Bride will be first to partake of this ministry. Cranberries are the color of blood, representing those who are washed in it and have lived the crucified life.) I didn't charge anything for the food I had prepared. (The Bride gives the clean Word of God freely as Jesus comanded.) There was another fruit stand in the dining room with a sign on it that read $1.00 each. (The harlot church merchandises the Word.) Nobody was at the stand. It was deserted. Nobody was running it, and nobody was buying the fruit. (An abomination of desolation. The Holy Spirit and the righteous will be leaving the apostates who make merchandise of the Word. God's true people will not buy the harlot's food anymore.) There was a huge, polished, wooden statue of the Babylonian king standing in the center of the fruit stand. (The harlot church is united with the beast and worships its image.) It was as tall as a large tree, with a bald eagle in front of it with its wings spread back against its sides. It was all carved out of the same piece of wood. (The one world order is being carved out. The large tree was the Babylonish head of gold in the image of the beast in Daniel 2 and 3 that was hewn down and conquered.) As I was looking up at the head of the statue, I heard a faint rumbling. I became disoriented, or it seemed as if the statue was about to fall over on me. I quickly looked away from it and the fear left me. (Babylonish U.S. is about to incur devastating earthquakes; the rumblings are already being heard in fault zones. As long as we look at the physical when things begin to fall apart, we will be fearful, but if we turn to the Word, the fear will leave and we will not fall in these judgments. Isa.26:3 Thou wilt keep [him] in perfect peace, [whose] mind [is] stayed [on thee]; because he trusteth in thee.) I remembered my cranberries and went back to the sink area to get them. (The Bride will remember the Man-child teachings and will be able to feed many.) Three women who looked like my mom came and received my food joyfully and thankfully. (When the shakings above begin, many from the church who have scoffed at the Man-child teachings will receive them with joy from the Bride because they are answers and deliverance in tribulation.) I was glad they appreciated it, but I noticed my cranberries were gone! I was disappointed because I cherished eating them because they were sweet and sour at the same time. (In reality, I don't care for cranberries that much.) (The cranberries represent the Word through the Man-child: sweet in your mouth but bitter to your belly, representing death to the flesh.) I then went back over to the fruit stand, and a woman appeared in a white and black maid outfit. She was violently stirring a bowl of ingredients and resentfully preparing the “king's dainties” for him and his household, she said. I then looked over to the left of the fruit stand and saw two kings sitting and dining together. They were dressed in royal robes with their crowns on their heads. The Babylonian king was on the left, and the Persian king was to his right. Servants waited on them as they dined. As I looked at the Babylonian king, his image alternated with that of Obama's. He was pretending to be the Persian king's friend (Cyrus Trump) but secretly was intending to destroy him and the Persian kingdom (The new Republic. Alexander the Greats Grecian Kingdom conquered this. History must repeat.). (My notes here are not prophecy but an attempt to put a puzzle together.) (Obama and the D.S. who are covertly “violently stirring” the Middle East nations of factionalized Islam and, in effect, delivering them over to unceasing war, which is how they make money. The powers that be who own the capped wells in the U.S. will soon open them because of the high price of oil elsewhere. The destruction of these nations was predicted in Jeremiah 25:20-26, where at the end of this list of nations Babylon (U.S.) overthrows Iran. Along this list we can see the Philistines and Gaza (the Palestinians), Elam (Persians - Iran), Medes, and Sheshach (Babylon) falls last. History must repeat according to Ecc.1:9.) As I came up behind them, I saw my cranberries in a decorative clear glass candle holder sitting in front of the Persian king (Trump). I reached in between them and quickly took the candle holder and emptied the cranberries into my right hand and placed the candle holder back in front of the Persian king. Suddenly, a hand appeared out of nowhere and replaced my cranberries with a crimson (Blood) candle in the candle holder, escaping the notice of the kings. (The Man-child ministry served under both of these kings in Daniel, as they will today. The Bride, Eve, will partake of the fruit, but they will partake of the light, as they did in Daniel's revelation. He, as the Man-child ministry of his day, gave much light from God to the rulers.) (This reminds me of the handwriting on the wall in the book of Daniel to the Babylonian king (Obama and his puppet) that his kingdom would be given to the Medes and the Persians (Trump).) (Trump is conquering Babylon D.S. America. The Man-child, Daniel, pronounced the judgment that the Persian king, Cyrus Trump, would conquer the Babylonish eagle, but history shows he would later be conquered by Alexander the Greats Grecian kingdom. Obama is attempting his second run now. The U.S. is at the very bottom of the list in Jeremiah 25 to fall as Sheshach (Babylon) .) The candle's wick had been lit in the past and was burnt, but was not currently lit, but was soon to be lit again. (Obama's two separated terms. Jesus will soon return in the body of the Man-child to bring the light to the Church and the rulers, once again, as persecution also returns.) I then turned and walked away, eating the cranberries out of my right hand. Then I woke up. (Those who increasingly come into the Bride will feed on God's Word through the Man-child and Bride.)   Bride Not to be Captive Shelly Lynch - 01/22/2013 - 5:55 AM (Grace Multiplied) (David's notes in red) I had a brief dream this morning, the day following my trial in which I fell into sin and repented and received the Lord's forgiveness! I believe He gave me this dream to encourage me that I would be restored and content to be a doorkeeper in the Kingdom! Hallelujah! I saw the Marriage Feast banquet hall. (The Marriage Feast represents tribulation, for it is the last seven days before the Bride is taken to the Groom's home while escorted by the virgins.) I saw food served and cake for dessert, too. I saw busloads of people getting off the buses (Revival!) coming into the banquet hall, and I was helping hang up their coats and looking for more hangers, as there were so many coming in the door. (Hanging their coats is resting from their old works) I was running from the kitchen to the dessert table, taking out more cake (God's Word is sweeter than honey), as the food (truth) was disappearing rapidly. The people were very hungry (having come from a famine of hearing the Word)! (Shelly is a type of the Bride here who feeds the immature saints during the marriage feast, just as in Song of Solomon.) Then I saw a black man stand up at the podium and begin to speak to the crowd in the banquet hall. Then I woke up. (Not sure why he was a black man.) (To those unfamiliar with the sovereignty of God to teach His people with vessels of dishonor, it would come as a shock that the beast is one of the primary teachers to create sons of God. He will bring tribulation in the form of fiery trial on the apostate church to turn them to God.) Scripture given after prayer by random: Jer.52:13 and he burned the house of Jehovah, and the king's house; and all the houses of Jerusalem, even every great house, burned he with fire. (Father will use the beast to purge out unregenerate Jerusalem leadership from among regenerate, heavenly Jerusalem leadership.) I was also given: Jer.52:16 But Nebuzaradan the captain of the guard left of the poorest of the land to be vinedressers and husbandmen. (The Lord always chooses the poor in spirit to keep and raise His vineyard.) 17 And the pillars of brass that were in the house of Jehovah, and the bases and the brazen sea that were in the house of Jehovah, did the Chaldeans break in pieces, and carried all the brass of them to Babylon. (The brass is the least mature, 30-fold, of the three metals representing the people of God: gold, silver and brass. The brass will go to Babylonish captivity.) The new leadership is the Bride. She is also black, but for a different reason: persecution from the false brethren. Son.1:5 I am black, but comely, Oh ye daughters of Jerusalem, As the tents of Kedar, As the curtains of Solomon. 6 Look not upon me, because I am swarthy, Because the sun hath scorched me. My mother's sons were incensed against me .... (I also got Lamentations 4:22 by random, I believe this is a promise to me personally and for the Bride. Lam.4:22 The punishment of thine iniquity is accomplished, O daughter of Zion; He will no more carry thee away into captivity : (The bride will be purified in spirit before tribulation and will escape Babylonish captivity, but the Edomite Christians will go under the beast for crucifixion and to reap what they have sown against their brethren.) He will visit thine iniquity, O daughter of Edom; He will uncover thy sins. Another I got by random after prayer: Lam.4:12 The kings of the earth believed not, neither all the inhabitants of the world, That the adversary and the enemy would enter into the gates of Jerusalem. 13 [It is] because of the sins of her prophets, [and] the iniquities of her priests, That have shed the blood of the just in the midst of her. (The world and the apostate leadership do not believe that they and their followers will be taken into bondage by the beast for their sins.) Still another I got by random after prayer: Jer.52:31 And it came to pass in the seven and thirtieth year of the captivity of Jehoiachin king of Judah, in the twelfth month, in the five and twentieth day of the month, that Evil-merodach king of Babylon, in the [first] year of his reign, lifted up the head of Jehoiachin king of Judah, and brought him forth out of prison; 32 and he spake kindly to him, and set his throne above the throne of the kings that were with him in Babylon, 33 and changed his prison garments. And [Jehoiachin] did eat bread before him continually all the days of his life: 34 and for his allowance, there was a continual allowance given him by the king of Babylon, every day a portion until the day of his death, all the days of his life. (This is showing that some of the apostate leadership that is not spiritually killed will repent and be given favor by the beast, for God is able to make our enemies to be at peace with us, if we please Him, as he says.)   Original Word Restores Original Church Eve Brast - 12/13/2015 (David's notes in red) When I woke up this morning, I had been dreaming of a harvest of restoration and when I looked over at the clock, it was 5:55 AM. (5 is the number of grace, which is the only way the Church will receive the restoration it does not deserve. Remember when Jesus, as a type of the Man-child ministry of our day, came and started the restoration at a time when the people were blind, sinful, sick spiritually and physically, following evil apostate leaders. They deserved nothing, but He gave everything to them; He met all their needs by grace as He is about to do in our day. “The things that have been are the things that shall be”. Hallelujah!) I dreamed that my husband and I and our boys went back to Texas (meaning: “friends”) to reclaim my Father's land that he had willed to me and that my mother had signed over to me the deed of ownership. (We are a gathering of friends whose ambition is to reclaim our Father's land willed to us through the New Testament or will. It was deeded to us by the early mother Church. The Promised Land is everything He gave us in His will, the New Testament. Joshua was told that every place in this land that we put the soles of our feet, He will give to us. Every place in the New Testament where we stand on His Word will be given to us.) This has all been stolen by a great army of plunderers, but restoration is coming by grace. Joe.2:25 And I will restore to you the years that the locust hath eaten, the canker-worm, and the caterpillar, and the palmer-worm, my great army which I sent among you. 26 And ye shall eat in plenty and be satisfied, and shall praise the name of Jehovah your God, that hath dealt wondrously with you; and my people shall never be put to shame. 27 And ye shall know that I am in the midst of Israel, and that I am Jehovah your God, and there is none else; and my people shall never be put to shame. 28 And it shall come to pass afterward, that I will pour out my Spirit upon all flesh; and your sons and your daughters shall prophesy, your old men shall dream dreams, your young men shall see visions: 29 and also upon the servants and upon the handmaids in those days will I pour out my Spirit. We had come to reclaim it from a cruel landlord who had swindled it away from me through deception and trickery. He was well known for his reputation for dishonest practices in stealing properties away from people. (Satan and his ministers have come to steal what was willed to us through the New Testament from our Father. These thieves have been talking many out of the promises because they have no faith, rather than teaching us how to live on them. 2Co.11:13 For such men are false apostles, deceitful workers, fashioning themselves into apostles of Christ. 14 And no marvel; for even Satan fashioneth himself into an angel of light. 15 It is no great thing therefore if his ministers also fashion themselves as ministers of righteousness, whose end shall be according to their works. Joh.10:8 All that came before me are thieves and robbers: but the sheep did not hear them. 9 I am the door; by me if any man enter in, he shall be saved, and shall go in and go out, and shall find pasture. 10 The thief cometh not, but that he may steal, and kill, and destroy: I came that they may have life, and may have it abundantly.) What shall we do about this theft of our land for the last 2000 years? Let's go back to our text in Joel: Joe.2:17 Let the priests, the ministers of Jehovah, weep between the porch and the altar, and let them say, Spare thy people, O Jehovah, and give not thy heritage to reproach, that the nations should rule over them: wherefore should they say among the peoples, Where is their God? 18 Then was Jehovah jealous for his land, and had pity on his people. 19 And Jehovah answered and said unto his people, Behold, I will send you grain, and new wine, and oil, and ye shall be satisfied therewith (Our land shall once again bear fruit unto us by promise.); and I will no more make you a reproach among the nations; 20 but I will remove far off from you the northern army (He will get rid of the army of thieves.), and will drive it into a land barren and desolate, its forepart into the eastern sea, and its hinder part into the western sea (They will be driven totally out of our land, meaning reprobation); and its stench shall come up, and its ill savor shall come up, because it hath done great things. 21 Fear not, O land, be glad and rejoice; for Jehovah hath done great things. 22 Be not afraid, ye beasts of the field; for the pastures of the wilderness do spring, for the tree beareth its fruit, the fig-tree and the vine do yield their strength. Our land shall once again bear fruit unto us by believing the promises. 23 Be glad then, ye children of Zion, and rejoice in Jehovah your God; for he giveth you the former rain in just measure, and he causeth to come down for you the rain, the former rain and the latter rain, in the first month. 24 And the floors shall be full of wheat, and the vats shall overflow with new wine and oil. (This thief of a landlord looked just like our current landlord, whose name is Doug. The name Douglas is an Anglicized form of the Scottish surname Dubhghlas, meaning “dark river” from Gaelic dubh “dark” and glais “water, river”. Douglas was originally a river name, which then became a Scottish clan name (belonging to a powerful line of Scottish earls). It has been used as a given name since the 16th century.) (This dark water river represents the deceptions that stole the promises from God's people. Jesus spoke to us a river of living water, which we also must speak. Joh.7:37 Now on the last day, the great day of the feast, Jesus stood and cried, saying, If any man thirst, let him come unto me and drink. 38 He that believeth on me, as the scripture hath said, from within him shall flow rivers of living water. 39 But this spake he of the Spirit, which they that believed on him were to receive: for the Spirit was not yet given; because Jesus was not yet glorified. 40 Some of the multitude therefore, when they heard these words, said, This is of a truth the prophet. But the apostate leaders speak a river of the waters of darkness and death. 2Pe.2:17 These are springs without water, and mists driven by a storm; for whom the blackness of darkness hath been reserved. The worldly will receive their river of lies, but the true Church will not. Rev.12:16 And the earth(ly) helped the woman (Church), and the earth(ly) opened her mouth and swallowed up the river which the dragon cast out of his mouth. If the worldly swallow it, the righteous know it is no good. The Harlot church is a member of the body of the Beast and rides on his back. 17:3 And he carried me away in the Spirit into a wilderness: and I saw a woman (Harlot) sitting upon a scarlet-colored beast, full of names of blasphemy, having seven heads and ten horns. 4 And the woman was arrayed in purple and scarlet, and decked with gold and precious stone and pearls, having in her hand a golden cup full of abominations, even the unclean things of her fornication, 5 and upon her forehead a name written, MYSTERY, BABYLON THE GREAT, THE MOTHER OF THE HARLOTS AND OF THE ABOMINATIONS OF THE EARTH. As members of the Beast body, they and their leadership, the False Prophet body, speak the deceptive doctrines that rob God's people of their promises, their land. Rev.16:13 And I saw coming out of the mouth of the dragon, and out of the mouth of the beast, and out of the mouth of the false prophet, three unclean spirits, as it were frogs: Let us agree with and speak the Word to live on our Promised Land. 1Pe.4:11 if any man speaketh, speaking as it were oracles of God (i.e., say what God says); if any man ministereth, ministering as of the strength which God supplieth: that in all things God may be glorified through Jesus Christ, whose is the glory and the dominion for ever and ever, Amen. Isa.8:20 To the law and to the testimony! if they speak not according to this word, surely there is no morning for them (meaning only darkness with no new day and no light of the sun/Son). Gal.1:8 But though we, or an angel from heaven, should preach unto you any gospel other than that which we preached unto you, let him be anathema (Meaning: “devoted to destruction” or “cursed”). 9 As we have said before, so say I now again, if any man preacheth unto you any gospel other than that which ye received, let him be anathema. Those who preach the dark river of lies, rather than the truth of the Word, are cursed and to be destroyed by the coming destroyer if there is no repentance. 1Jo.2:18 Little children, it is the last hour: and as ye heard that antichrist cometh, even now have there arisen many antichrists; whereby we know that it is the last hour. It was their last hour, for the Beast came and destroyed their nation, and now it is our last hour and, once again, the antichrist leaders are multiplied and separated from us by the Word. 19 They went out from us, but they were not of us; for if they had been of us, they would have continued with us: but they went out, that they might be made manifest that they all are not of us. When the Word is preached to the wicked, they can no longer hide in the Church but depart, for they do not love the Lord and keep His commandments. In this way, the Church is sanctified. God's solution is to believe only the Word to abide in the temple of God, Jesus Christ. 24 As for you, let that abide in you which ye heard from the beginning. If that which ye heard from the beginning abide in you, ye also shall abide in the Son, and in the Father. The original Word is the only model to create the true Church, meaning “called-out ones”. Back to Eve's dream: My husband (representing our Bridegroom, Jesus), was an excellent negotiator and He walked the entire property with me. (Jesus will lead us on the walk of truth.) There were corn stalks on the entire property from border to border, as tall as we were, surrounding the two mobile homes in the center of the property. (Mobile homes represent tabernacles in the wilderness. Corn stalks represent the people of God, in which individual kernels must fall to the ground to bear much fruit, as Jesus said.) These corn stalks were covered with ripe honeydew melons growing in clusters of five on each stalk, like giant grapes, instead of corn. (These corn stalks have a very sweet and large fruit on them.) My husband was very pleased with the crop. It was morning, and the sky was so blue, and the sun/Son shone on the crop like bright white light. It wasn't yellow like the usual morning sunlight. (Without the pure sunlight of God's Word, Jesus Christ, there will be no fruit. All disciples who love the Lord will devour His Word.) When my husband and I came to the back of the property, we saw a large pile of rusted-out car bodies lying next to the back fence line. (Vessels representing the way and works of God's people having come under the curse of death and being rejected.) He became angry at the cruel landlord, Doug, and went over to where he was standing next to the left mobile home. My husband then began to argue my case for me (Jesus is a paracletos, meaning a lawyer) to the landlord and told him that because of the rusted pile of cars that he had piled up at the back of the property, he had no legal right to it. (According to our law, because the apostate leaders have not brought forth fruit in the people, God would give the vineyard to those who would bring forth the fruit.) He then ordered him to return the property to me and to remove all the rusted cars from the property. (Remove their fruitless people from the Promised Land.) The landlord knew that what my husband had said was right. (Because it's in the Word.) He acted ashamed and fearful and agreed to give my father's land back to me and hurriedly left. Mat.21:33 Hear another parable: There was a man that was a householder, who planted a vineyard, and set a hedge about it, and digged a winepress in it, and built a tower, and let it out to husbandmen, and went into another country. 34 And when the season of the fruits drew near, he sent his servants to the husbandmen, to receive his fruits. 35 And the husbandmen took his servants, and beat one, and killed another, and stoned another. 36 Again, he sent other servants more than the first: and they did unto them in like manner. 37 But afterward he sent unto them his Son, saying, They will reverence my Son. 38 But the husbandmen, when they saw the son, said among themselves, This is the heir; come, let us kill him, and take his inheritance. 39 And they took him, and cast him forth out of the vineyard, and killed him. Just as the wicked leaders do today. 40 When therefore the lord of the vineyard shall come, what will he do unto those husbandmen? 41 They say unto him, He will miserably destroy those miserable men, and will let out the vineyard unto other husbandmen, who shall render him the fruits in their seasons. 42 Jesus saith unto them, Did ye never read in the scriptures, The stone (Jesus, the WORD) which the builders rejected, The same was made the head of the corner; This was from the Lord, And it is marvelous in our eyes? The hated and persecuted ones will be the head, just like Joseph, David, Jesus, and the Man-child. 43 Therefore say I unto you, The kingdom of God shall be taken away from you, and shall be given to a nation bringing forth the fruits thereof. 44 And he that falleth on this stone shall be broken to pieces: but on whomsoever it shall fall, it will scatter him as dust. 45 And when the chief priests and the Pharisees heard his parables, they perceived that he spake of them. And so it speaks of the apostate leaders today. 46 And when they sought to lay hold on him, they feared the multitudes, because they took him for a prophet. After this, David showed up. (Representing the David Man-child company, who are the coming reformers to bring forth the Lord's fruit.) He had with him his personal assistant, Allison. (Who is a recovery room nurse that I currently work with at the hospital. Allison's name used to be masculine and means “son of the noble one”. Recovery room nurses help the surgery patients to recover from their surgeries until they are stable enough to return to the nursing units on the hospital floors.) (The Lord is raising up many who are gifted to help the sick Church in the restoration process.) Allison had been David's personal assistant for many years, in this dream. She knew everything about David and his family. (This is a good description of many who are doing this work now, but after the coming anointing, they will be very much more successful.) She was telling me all the details about his wife and children and everything they had been through together over the years. (The Church in the past has fallen away and persecuted the Davids, as it was with Joseph and his brethren before their restoration.) (UBM has helped many people over the years recover what the enemy has stolen from them [and the greatest days are just ahead].) I walked with David and Allison into the kitchen of the left mobile home, and I saw David's wife standing near the kitchen sink. The mobile home had been extremely run-down, but now the kitchen had been completely restored. (This is a picture of the restoration of the spiritual family of the Davids. His wife here represents the restoration of the Church that once brought forth the fruit of Jesus.) She was young and beautiful, and she was wearing a white knit top with sleeves that went down to her forearms, a long skirt, and a white head covering. (Representing restoration of the Church from the curse, in righteousness, purity, and submission to her head.) She was standing with her hands clasped together and had a peaceful smile on her face. She watched with pleasure as her and David's children ran in and out of the kitchen, playing and running among the ripe crops of honeydew melons. (The individual children of the Church will come forth from the kitchen, representing them having partaken of the good spiritual food prepared by the reformers and Allison, and bear the sweet fruit.) Their laughter filled the air, along with the smell of the ripe fruit. (There is great joy in bearing the fruit of the Word.) I looked up at David, who was standing to my left in the kitchen, and I smiled at him. I felt so much joy in my heart at this restoration that was taking place. He was very tall and had a serious look of wisdom and radiance about him, but there was a sparkle in his eyes. He said, “It's time for the harvest.” (In the harvest will be the Great Reformation, even in the midst of a religious world falling apart. This is so people will have examples by which to make their decisions about who they will follow and who is the Lord. When they see the fruit, they will know who is of the Lord.) As we walked out of the mobile home, there was an old forest green farm truck with wooden slats on the sides. A carpenter was driving it. There were a bunch of other carpenters in the truck bed who jumped out with tools to restore the rest of the left mobile home, and also to help with the harvesting. (Restoring the Church to its former glory.) Some of them started to work on the mobile home, while others helped David and me and the recovery room nurse, Allison, pick the honeydew melons. We took them to an outdoor processing area behind the mobile homes. Then I heard the voice of the Father say, “You must cut off the rinds”. (The rinds are the external body or flesh that carries the fruit. This vessel is just for keeping the fruit and seeds to feed the saints. Those who bear fruit will be able to richly feed others. Whereas the apostate church only sees that their bad education and titles are the qualification.) So I went back into the kitchen, got a paring knife out of the drawer, and came back out to help cut off the rinds from the melons. David had his own special pocketknife that he used for this purpose. As we were all working together to harvest the fruit and cut off the rinds, Allison was explaining to me that David had recently gotten his car restored, and she pointed over to where it was parked behind the right mobile home. It was a silver Mitsubishi Eclipse. I was amazed and said, “That looks exactly like the very first new car I ever owned! It too was a silver Mitsubishi Eclipse!” (The car or way of progress and rest must look just like the  original way 2000 years ago.) (The meaning of the name Mitsubishi is “programmable logic controllers”.) (And this will “Eclipse” the old worldly religious programming and logic that brought forth no fruit. Rom.12:2 And be not fashioned according to this world: but be ye transformed by the renewing of your mind, that ye may prove what is the good and acceptable and perfect will of God.) This is when I woke up. I asked Father for a verse or text for this dream and when I flipped open my Bible and was going to put my finger down, I heard the Spirit say to turn back a page, so I fumbled to flip back exactly one page and I put my finger down on Isa.60:16 Thou shalt also suck the milk of the nations, and shalt suck the breast of kings; and thou shalt know that I, Jehovah, am thy Saviour, and thy Redeemer, the Mighty One of Jacob. The whole chapter is a wonderful promise to God's elect. (Isaiah 60 is all about the restoration of the original, glorious Church. This text shows that Beast kingdoms will ultimately serve God's true Man-child and Bride. As Beast kings of the past kingdoms saw the glorious God of the true disciples of God, they feared and bowed to Him and served His Kingdom representatives like Pharaoh of Joseph, Ahasuerus of Mordecai and Esther, Nebuchadnezzar of the three Hebrews and Daniel, Darius of Daniel, Darius of Zerubbabel, Cyrus of Sheshbazzar, etc.

One Bride – Gifts and Anointing (Audio) David Eells – 3/25/26 I'm going to share with you some revelations of the anointing and gifts that we can look forward to receiving and operating in soon. I Am Strengthening My People G. M.- 05/12/2016 (David's notes in red) I received this Word and vision: I AM strengthening My people. I AM drawing them closer and closer to Myself and to each other. Giving them a genuine agape love for each other, that they hold one another accountable to My standards, accountable to My Word. It is by their joining together in a tightly knit fellowship that they become strong. Satan is not able to divide and separate. They have each other's backs. They actively partake in one another's spiritual warfare battles through prayer and fasting. The enemy is defeated. The open doors have been closed, and My saints have girded themselves with My truth. They stand strong and unwavering in the faith that I have given them. Their focus is on the prize - the gift of the full manifestation of Eternal Life. They are of one mind and one spirit. They will not be denied their rightful inheritance. Their hearts are full of praise and thanksgiving. Murmuring and complaining have no place in them. They look past the present and see what shall be. They see the end from the beginning. They waver not in the midst of their trials. They are full of joy as they rest in Me and My faithfulness. As I was receiving the last few phrases, a vision appeared. I saw a large circle of God's people standing together, shoulder to shoulder. I saw a solid circle of people; there were no gaps or empty spaces anywhere. I sensed strength and unity and a deep love for all the brethren gathered together to pray and believe God for His answers to their prayers. Eph.4:16 from whom all the body fitly framed and knit together through that which every joint supplieth, according to the working in due measure of each several part, maketh the increase of the body unto the building up of itself in love. I felt a strong commitment of this group to God and to each other -- a bond that couldn't be broken. It seemed as though there was an invisible shield (like shrink-wrap) that could not be penetrated by the enemy. Most of the people I saw were adults and a few children; all were wearing blue jeans and white t-shirts. This group of God's people was on a hillside, standing in the bright sun. I felt this was a representation of the local and greater UBM fellowship. The scripture I received by faith and by random was Joh.10:30 I and the Father are one. Praise God! What an awesome verse to go with the word and vision He had already given me. I'll share verses 27-30 in context: 27 My sheep hear My voice, and I know them, and they follow Me: 28 and I give unto them eternal life; and they shall never perish, and no one shall snatch them out of My hand. 29 My Father, who hath given (them) unto Me, is greater than all; and no one is able to snatch (them) out of the Father's hand. 30 I and the Father are one. And in Joh.17:11 And I am no more in the world, and these are in the world, and I come to thee. Holy Father, keep them in thy name which thou hast given me, that they may be one, even as we are. ... 22 And the glory which thou hast given me I have given unto them; that they may be one, even as we are one; 23 I in them, and thou in me, that they may be perfected into one; that the world may know that thou didst send me, and lovedst them, even as thou lovedst me. The numbers and their meanings in the date 5/12/16 of this revelation are equally awesome: 5=Grace; 12=Divine power, rule or authority; 16=Love It is such a blessing to be a part of God's family and UBM!   Gifts and Anointings Given to the Repentant Sandy Shaw - 02/11/2017 (David's notes in red) In a dream, I saw two angels with their arms held out and in their hands, holding two very large baskets. I don't know what the two baskets were made out of, but they were soooo white. One basket had a mix of silver and gold that was almost like fine powder. But you could see the individual gold and silver. God put His hand into the gold and silver and gently let it fall from His hand. I knew that they were blessings and gifts. I saw it fall on different individuals. The first one I saw it fall on was for the gifts of healing. This person sees a man in a wheelchair. (This person is no doubt representing a corporate body of people.) She feels compelled to pray for him, but does so only from a distance. Then, on a different day, this same woman sees a woman wearing a leg brace and using a crutch. She feels compelled again to pray. This time, she goes to her and lays hands on her and prays. After the prayer, the lady walks away. As she is walking, the brace on her leg falls away. She pushes the crutch down, throwing her hands in the air, clapping, and gives glory and praise to God. Then the same lady feels compelled again to pray as another woman in front of her, who is deaf, dumb, and blind, and she is instantly healed. The Lord says, “Just as I knew the woman who touched My garment, so shall you know whom to pray for.” I saw three Christians who were lacking boldness walking, and four people of the world were yelling and saying crazy things to them. They just put their heads down, and the four who had spoken finished and left. Then a different group of worldly people came up to them. And they yelled at them too. But this time the Christians spoke in love, and it calmed the others down, and then they were able to listen. Then they had a group hug, and they all prayed and left. Next, I see all of us at a meeting. And there was a prophecy given in tongues. But there is a battle going on inside of this woman: “Is this You, Lord? Should I say it?” And the boldness in her brought it forth. She couldn't contain it any longer. They waited for an interpretation, but it did not come. There was a man across the room who opened his eyes and looked around. For the Lord was giving him the interpretation. But he was fearful and did not say it. He questioned God and did not speak it. Then it was a different day, and we were in a meeting. We were praising and worshiping the Lord. Then, once again, the same woman felt the stirring of the spirit, but she questioned it because there was no interpretation the last time. But the Spirit kept stirring, and with boldness it came out. But this time, the man was able to allow God to move, and the interpretation was given. Now we were all at another meeting. We were singing and praising, and I saw white songbooks open. Then they are closed and put down on the seat. Everyone stands up with their hands raised, and the music changes. Now people are singing in tongues. They continue to sing in tongues, and the music continues. There is no doubt that the Holy Spirit is present there. Now, at another meeting, everyone came with their hearts prepared by worshiping the Lord long before they arrived. When the music started with the first song, the anointing was there. We did not use the books. We were singing from our hearts. We went from English to tongues. (We are commanded to desire and zealously seek these spiritual gifts. 1Co.14:1 Follow after love; yet desire earnestly spiritual gifts ... 12 So also ye, since ye are zealous of spiritual gifts, seek that ye may abound unto the edifying of the church. Some will have to obey to receive the Giver of these gifts. And some will have to repent to receive His gifts. Act.5:32 And we are witnesses of these things; and so is the Holy Spirit, whom God hath given to them that obey him. 1Co.12:7 But to each one is given the manifestation of the Spirit to profit withal. 8 For to one is given through the Spirit the word of wisdom; and to another the word of knowledge, according to the same Spirit: 9 to another faith, in the same Spirit; and to another gifts of healings, in the one Spirit; 10 and to another workings of miracles; and to another prophecy; and to another discernings of spirits; to another divers kinds of tongues; and to another the interpretation of tongues: 11 but all these worketh the one and the same Spirit, dividing to each one severally even as he will.) Then I was standing with the angels who were holding the baskets. I saw the Lord put His hand in the second basket that was full of oil. Then He let the oil flow down his fingertips as drops. He sprinkled the oil, but we were all doused. (Great anointings to minister will be given also to those who walk with Him.) End of dream. I asked for a verse by faith at random and amazingly got verse 1Co.14:13. In context, 12-15 1Co.14:12 So also ye, since ye are zealous of spiritual gifts, seek that ye may abound unto the edifying of the church. 13 Wherefore let him that speaketh in a tongue pray that he may interpret. 14 For if I pray in a tongue, my spirit prayeth, but my understanding is unfruitful. 15 What is it then? I will pray with the spirit, and I will pray with the understanding also: I will sing with the spirit, and I will sing with the understanding also.   John the Baptist Ignored Eve Brast - 02/15/2017 (David's notes in red) We were all praying for Father to show us more concerning what He was telling us through Sandy's dream (above) and I was given the following dream. I dreamed I was standing in the living room of David's house (representing the larger house of David) where the wood-burning stove normally is. (Standing in the place of the fiery furnace.) David was standing to my right, and he was telling me something important about John the Baptist, who was standing on my left. There were three of us in the furnace (just like the three Hebrews). (The Bride, the Davids, and the John the Baptists are in the furnace of crucifixion -- priests offering the sacrifice of flesh.) (I asked for a verse by faith at random for this and amazingly, I got: Dan.3:26 (My finger was on Abed-nego, which means “servant of Nebo”, their “god of wisdom”. But Jesus is the wisdom of God.) Then Nebuchadnezzar came near to the mouth of the burning fiery furnace: he spake and said, Shadrach, Meshach, and Abed-nego, ye servants of the Most High God, come forth, and come hither. Then Shadrach, Meshach, and Abed-nego came forth out of the midst of the fire.) (As we just saw: Three groups of people who have been purified in the furnace of fiery trials.) While David was speaking to me, I was facing the direction of the kitchen. The wall between the living room and kitchen had only 2x4 framework. I could see that the kitchen was well-lit and was twice as big as in real life. (This is a sign that the house of David will be preparing much more spiritual food in the light of God's Word.) There was an old rectangular wooden table and chairs in the center. The house was larger than in real life, too. (A sign this is the larger house of David.) John the Baptist was standing to my left and looked to be 17 or 18 years old. He had beautiful olive skin, wavy, brown, shoulder-length hair, and piercing brown eyes that seemed to look past the exterior and directly inside an individual. He was wearing a white linen shirt and was holding a square wicker basket out in front of him with both hands. The basket was lined with white linen that folded outward over the top edge. The basket was filled with loaves of bread. (John the Baptist's bread is primarily about repentance, which means change your mind and believe and act on the Bible. To know the Bible in experience is to know what repentance is. The bread being the Word and in David's house could mean he received this teaching from the Davids, who sent him forth with the bread below. David had a ministry to feed his Father's sheep before he was anointed to be king. Just before Jesus was anointed, John said to Him that it was he who should be baptized by Jesus, recognizing Him as his leader and teacher.) I asked Father for a word concerning John the Baptist and received: Mat.26:18 (My finger was on the phrase “My time is at hand”.) 18 And he said, Go into the city to such a man, and say unto him, The Teacher saith, My time is at hand; I keep the passover at thy house with my disciples. 19 And the disciples did as Jesus appointed them; and they made ready the passover.) (If we understand that just the phrase is meant as an answer, then John the Baptist's “time is at hand.” If we look at the larger context, we can see that the Man-child's “time is at hand” to go to the cross, his furnace, and they are both in the furnace with the Bride. Also, a Passover of judgment is being offered to the disciples. A Passover is not possible without repentance and faith, which John preached.) There were quite a few people from UBM standing around in different areas of the house in groups of two, three and four. They were all chit-chatting and talking about all the usual stuff people talk about. I then heard David tell John to go around to the different groups of people and distribute the bread to them. (John's bread primarily represents repentance and belief of the Word.) Next, I was with him in the Spirit as he attempted to offer the loaves of bread to these people. As we approached each group, some were absorbed in conversation concerning their problems; others were laughing and cutting up; others were discussing various news articles they had read. This sounds like “the cares of the world.” Mat.13:22 And he that was sown among the thorns, this is he that heareth the word; and the care of the world, and the deceitfulness of riches, choke the word, and he becometh unfruitful. I watched as John earnestly went from group to group and person to person, trying to get their attention and hand them the bread that David wanted them to eat. But it was as if he were invisible because they paid no attention to him. (David is sending the bread through the spirit of John, but these particular groups are not repenting. This is not to say that others are not repenting, but these groups are ignoring the warning. Are you one of them? Part of the problem is the denial of sin. People with rejection do this commonly. It makes them blind and repentance invisible. They are afraid to admit or confess sin because of fear of rejection. The problem is always someone else whom they are glad to pin the blame on. When you face them with their sin, they ignore you and get mad. Their denial of sin is a blindness to the repentance of John the Baptist. On the day of this dream, Leon received by faith at random: Isa.59:9 Therefore is justice far from us, neither doth righteousness overtake us: we look for light, but, behold, darkness; for brightness, but we walk in obscurity. 10 We grope for the wall (sanctification) like the blind; yea, we grope as they that have no eyes: we stumble at noonday as in the twilight.; among them that are lusty we are as dead men. And this same day, Eve received by faith at random: Joh.9:20 His parents answered and said, We know that this is our son, and that he was born blind: 21 but how he now seeth, we know not; or who opened his eyes, we know not: ask him; he is of age; he shall speak for himself. Let us call upon Jesus to open their blind eyes and repent. Let us ask for mercy and grace from our God for those who are blind to their sin. I just received this: Psa.119:17 Deal bountifully with thy servant, that I may live; So will I observe thy word. 18 Open thou mine eyes, that I may behold Wondrous things out of thy law. And this: 80:18 So shall we not go back from thee: Quicken thou us, and we will call upon thy name. 19 Turn us again, O Jehovah God of hosts; Cause thy face to shine, and we shall be saved. And I thought of these verses: 119:25 My soul cleaveth unto the dust: Quicken [make alive] thou me according to thy word. ... 32 I will run the way of thy commandments, When thou shalt enlarge my heart. Son.1:4 Draw me; we will run after thee.... Php.2:13 for it is God who worketh in you both to will and to work, for his good pleasure.) Back to Eve's dream: Finally, in discouragement and frustration, John the Baptist gave up and went and sat down at the kitchen table and placed the basket on the table in front of him. He looked over at me and back at the basket and shook his head slowly, and sighed deeply, as if to say, “Look at what they're missing!” He reached his hand down into the basket and pulled up a huge handful of gold and silver coins the size of half-dollars. (The value of repentance is beyond worldly value.) He then let the coins slowly slip through his hand. (Just as these are letting the gifts slip through their hands.) The bread had transformed into coins. I realized these were the gold and silver gifts from Sandy's dream, and I thought to myself, “That's the basket from Sandy's dream. It's sad that none of these people wanted those gifts.” (Those who have repentance will receive God's gifts and those who don't have repentance will not. Without repentance from what they are hearing from John the Baptist, they will not receive these gifts of the Spirit. We must repent and act on what we hear to receive these gifts that we need to minister Jesus to ourselves and others.) They weren't interested or were too carnally minded and dull in their awareness of the Spirit. Then I woke up. (Our flesh wants to do anything and everything except focus on the things of the Spirit. (Food, entertainment, leisure, fellowship, ego, sports, news.) I asked Father for a word concerning these people and received: Eph.5:13 (1-20 in context) 1 Be ye therefore imitators of God, as beloved children; 2 and walk in love, even as Christ also loved you, and gave himself up for us, an offering and a sacrifice to God for an odor of a sweet smell. 3 But fornication, and all uncleanness, or covetousness, let it not even be named among you, as becometh saints; 4 nor filthiness, nor foolish talking, or jesting, which are not befitting: but rather giving of thanks. 5 For this ye know of a surety, that no fornicator, nor unclean person, nor covetous man, who is an idolater, hath any inheritance in the kingdom of Christ and God. 6 Let no man deceive you with empty words: for because of these things cometh the wrath of God upon the sons of disobedience. 7 Be not ye therefore partakers with them; 8 for ye were once darkness, but are now light in the Lord: walk as children of light 9 (for the fruit of the light is in all goodness and righteousness and truth), 10 proving what is well-pleasing unto the Lord; 11 and have no fellowship with the unfruitful works of darkness, but rather even reprove them; 12 for the things which are done by them in secret it is a shame even to speak of. 13 But all things when they are reproved are made manifest by the light: for everything that is made manifest is light. God is shedding the light on those who are intent on hiding their sin in darkness. 14 Wherefore he saith, Awake, thou that sleepest, and arise from the dead, and Christ shall shine upon thee. 15 look therefore carefully how ye walk, not as unwise, but as wise; 16 redeeming the time, because the days are evil. 17 Wherefore be ye not foolish, but understand what the will of the Lord is. 18 And be not drunken with wine, wherein is riot, but be filled with the Spirit. 19 speaking one to another in psalms and hymns and spiritual songs, singing and making melody with your heart to the Lord; 20 giving thanks always for all things in the name of our Lord Jesus Christ to God, even the Father; 21 subjecting yourselves one to another in the fear of Christ. I asked Father for a word for this dream, and my finger was on the phrase “Pray now unto the Lord our God for us” in Jer.37:3 And Zedekiah the king sent Jehucal the son of Shelemiah, and Zephaniah the son of Maaseiah, the priest, to the prophet Jeremiah, saying, Pray now unto Jehovah our God for us. Recently, I had been speaking a bunch of unprofitable words concerning a situation in my life, and afterward I heard Father very clearly say to me in a stern tone, “No more idle words!” I understood that these words sabotaged my prayers and the faith I was trying to have concerning the situation. After this dream above, I realized this was more than an individual warning, but a corporate warning. Because a lot of idle speaking can also be a distraction and detraction from the things of the Spirit when the people of God are gathered together. (Idle words cancel words of faith. We call the things that be not as though they are and then we call the things that are to cancel the things that be not. Jas.1:2 Count it all joy, my brethren, when ye fall into manifold temptations; 3 Knowing that the proving of your faith worketh patience. We must consistently and patiently confess what we pray for or command as ours. 4 And let patience have its perfect work, that ye may be perfect and entire, lacking in nothing. 5 But if any of you lacketh wisdom, let him ask of God, who giveth to all liberally and upbraideth not; and it shall be given him. 6 But let him ask in faith, nothing doubting: for he that doubteth is like the surge of the sea driven by the wind and tossed. 7 For let not that man think that he shall receive anything of the Lord; 8 a doubleminded man, unstable in all his ways. It seems the Father's message for both Sandy's dream and this one is that we need to get serious about our priesthood and the ministration of the gifts for the body. He is more than willing to bestow these gifts upon us if we will focus on the things of the Spirit and not allow distractions and idle words to detract from what He wants to do in us and through us.   Coming Anointing and Hidden Manna Revealed Bill Steenland - 07/29/2014 (David's notes in red) A few weeks ago, I had two visions and a word of knowledge as I was waking up at about 3:30 AM. The visions were more like experiences than visions, but they were not dreams. In the first vision, I was at my grandparents' house in New Jersey. (Representing being In the house of the early Church. Jud.3 Beloved, while I was giving all diligence to write unto you of our common salvation, I was constrained to write unto you exhorting you to contend earnestly for the faith which was once for all delivered unto the saints.) I was alone and in a two-door open garage where we would have barbecues and parties when I was a little child. (It is open for the chosen to partake of. A place of rest for a vehicle or vessel, as we are receiving spiritual food and celebrating.) Just outside the garage was a huge pool where I would play as a child. (A place for immersion in much water of the Word that puts to death the self-life.) Bill: Isa.8:18 Behold, I and the children whom Jehovah hath given me are for signs and for wonders in Israel from Jehovah of hosts, who dwelleth in mount Zion. Mat.18:2 And he called to him a little child, and set him in the midst of them, 3 and said, Verily I say unto you, Except ye turn, and become as little children, ye shall in no wise enter into the kingdom of heaven. 4 Whosoever therefore shall humble himself as this little child, the same is the greatest in the kingdom of heaven. 5 And whoso shall receive one such little child in my name receiveth me.... I was standing in the garage, in front of a refrigerator, opening the freezer. (I believe the freezer means what has been “preserved” and is coming or stored up for the tribulation.) When I opened the freezer, a golden white light anointing shone onto my face. (I had been reading the Book of Zechariah and Hidden Manna for the End Times a lot. This scripture jumped out at me when I was reading Zechariah 4 about the Two Witnesses, and it reminded me of the light and anointing that I felt in this first vision. Zec.4:11 Then answered I, and said unto him, What are these two olive-trees upon the right side of the candlestick and upon the left side thereof? 12 And I answered the second time, and said unto him, What are these two olive-branches, which are beside the two golden spouts, that empty the golden oil out of themselves? 13 And he answered me and said, Knowest thou not what these are? And I said, No, my lord. 14 Then said he, These are the two anointed ones, that stand by the Lord of the whole earth. I felt the most love, faith, joy and peace I've ever felt in my whole life. It was like being in the glory of God in Heaven. This lasted for only a split second before it ended. I do not doubt that if anyone walked in that anointing and presence of God, there would be more miracles and power (and holiness) than anyone could imagine. It was the most awesome thing I've ever felt: peace, wholeness, faith, joy, love, and Jesus. The Bride is going to walk in this? Wow! I had the second vision directly after this one. In it, I was standing about 3-5 feet to the right of the first freezer, opening up a second freezer, but this one was on the ground, and it had a blue lid. (Representing A Heavenly door. Rev.3:8 I know thy works (behold, I have set before thee a door opened, which none can shut), that thou hast a little power, and didst keep my word, and didst not deny my name.) It was about 3x5 feet wide and there was ice and water in the freezer. (Ice and water because the contents are thawing for use very soon.) The second vision started with me in the middle of pulling out a huge rack of meat (Ribs? Steak?) with my right hand. (The meat of the Word, as well as the works of God, are about to be seen. It has been preserved for this day, but now it's thawing for use.) Joh.4:34 Jesus saith unto them, My meat is to do the will of him that sent me, and to accomplish his work. 35 say not ye, There are yet four months, and then cometh the harvest? behold, I say unto you, Lift up your eyes, and look on the fields, that they are white already unto harvest. 36 He that reapeth receiveth wages, and gathereth fruit unto life eternal; that he that soweth and he that reapeth may rejoice together. 37 For herein is the saying true, One soweth, and another reapeth. 38 I sent you to reap that whereon ye have not labored: others have labored, and ye are entered into their labor. ... Joh.6:28 They said therefore unto him, What must we do, that we may work the works of God? 29 Jesus answered and said unto them, This is the work of God, that ye believe on him whom he hath sent. This vision was more like an experience in that I could hear the water dripping off the meat and echoing as it dripped back into the freezer; it was strange. More than half asleep, still I awoke to go to the bathroom when this word came to me: (Joh.2:8) “And he saith unto them, Draw out now, and bear unto the ruler of the feast. And they bare it.” (Get ready for the greater works. Joh.14:12 Verily, verily, I say unto you, he that believeth on me, the works that I do shall he do also; and greater [works] than these shall he do; because I go unto the Father. 13 And whatsoever ye shall ask in my name, that will I do, that the Father may be glorified in the Son. 14 If ye shall ask anything in my name, that will I do.) Notes: I was praying and seeking the Lord on my face, asking Him for this anointing of faith, peace, love, and joy in the Lord. When I finished, I turned to get up. I looked to my left at my alarm clock, and it was 1:44! (I have been seeing this so often that I don't even mention it anymore.) About a week later, I was about to go to sleep when I went to get my cell phone to put it on the charger. The lights were off, and I was reaching in the dark for my cell phone and knocked my copy of Hidden Manna for the End Times into a white cooler where my roommate keeps extra beverages because there is no room in the fridge. As I pulled it out of the water, I heard the water drip a couple of times. My eyes widened as I immediately thought of the vision I had in which I was pulling the huge rack of meat out of the freezer, except now the meat was Hidden Manna for the End Times. (To know what we are called to in these end times, read that book.) I thought to myself, there is no way that is a coincidence; no way at all, considering I have been praying and believing for this gift from God to be manifested in my life, and the two visions had a very profound effect on me. I'll never forget them. So now I have the faith to do the works, as God was using this scenario of events to show me that the time has come, and it is time to do the works of God in my life and change that water to wine and manifest Jesus. Interesting note: These two visions in a two-door garage, two freezers -- two witnesses? (As we learned in Hidden Manna, the Two Witnesses are two corporate witnesses, just like those who went out two-by-two after the Man-child Jesus.) Here we see that God has preserved His glorious anointing, meat of the Word, and greater works for this end-time revival. These will be hated and attacked by the religious, just as they were in Jesus' time. Get ready, saints! Bill's updated notes - 9/15/14: This is something that the Lord showed me after thinking about these visions so much! The second vision, where my hand was holding the rack of meat -- the flesh of Jesus, the veil! (Hebrews 10:20) Combining both interpretations from top to bottom will tell the whole story, but this is what the Lord gave me about the rack of meat I took out of the blue freezer/cooler on the ground: Joh.6:55 For my flesh is meat indeed, and my blood is drink indeed. 56 He that eateth my flesh and drinketh my blood abideth in me, and I in him. (Partaking of Jesus' meat causes one to grow up past the milk of childhood, becoming Sons and not just children. Partaking of His blood represents His nature, replacing our fallen nature. This enables us to live in His presence.) Heb.10:19 Having therefore, brethren, boldness to enter into the holy place by the blood of Jesus, 20 by the way which he dedicated for us, a new and living way, through the veil, that is to say, his flesh; (We were crucified with Christ. We don't live anymore; Christ lives in us.) Exo.26:33 And thou shalt hang up the veil under the clasps, and shalt bring in thither within the veil the ark of the testimony: and the veil shall separate unto you between the holy place and the most holy. (The veil that hides the presence of God is the flesh.) Heb.9:2 For there was a tabernacle prepared, the first, wherein were the candlestick, and the table, and the showbread; which is called the Holy place. 3 And after the second veil, the tabernacle which is called the Holy of holies; 4 having a golden altar of incense, and the ark of the covenant overlaid round about with gold, wherein was a golden pot holding the manna, and Aaron's rod that budded (Showing His authority through signs and wonders like Jesus and the Man-child.), and the tables of the covenant (representing the true Word); 5 and above it cherubim of glory overshadowing the mercy-seat; of which things we cannot now speak severally. David makes the point in Hidden Manna that the Ark of the Covenant and the mercy seat represent the throne of God. Below is an excerpt from Hidden Manna “Caught up to the Throne” chapter, sub-section “Spiritual Nature of the Throne”: Notice that the Man-child will speak to God's people on earth from behind the veil, which is exactly what Moses did when He was before the mercy seat, the place of God's throne, “behind the veil” of the Tabernacle in the wilderness. (Exo.25:21) And thou shalt put the mercy-seat above upon the ark; and in the ark thou shalt put the testimony that I shall give thee. (22) And there I will meet with thee, and I will commune with thee from above the mercy-seat, from between the two cherubim which are upon the ark of the testimony, of all things which I will give thee in commandment unto the children of Israel. Notice that Moses, as the Man-child of his day, spoke with God behind the veil in the heavenly place and then told the people what he heard. (They saw the veil but the glory of God on His face was hidden by his flesh.) (Joh.5:30) I can of myself do nothing: as I hear, I judge.... Another confirmation is when Moses began to wear a veil when speaking to the people about what God was saying. In other words, he spoke to the people from behind the veil; (inside his flesh). (Exo.34:33) And when Moses had done speaking with them, he put a veil on his face. (34) But when Moses went in before the Lord to speak with him, he took the veil off, until he came out; and he came out, and spake unto the children of Israel that which he was commanded. (35) And the children of Israel saw the face of Moses, that the skin of Moses' face shone: and Moses put the veil upon his face again, until he went in to speak with him. Notice Moses wore no veil when he spoke with the Lord because he was in the typical place of the Holy of Holies behind the veil, but when he went to give the Word to the people, he wore a veil that we might know he was still behind the veil and in the presence of God. As a type for the end-time Man-child, Jesus was of the order of the Melchizedek high priesthood. (Heb.6:20) ... Jesus entered for us, having become a high priest for ever after the order of Melchizedek. Every high priest ministers both behind the veil before God and to the people. Also, an “order” is not just one but a series. The next in the series is Jesus manifested in the body of the corporate end-time Man-child who will go behind the veil and minister to the people, as Moses did. In Psalm 110 we are told of this Melchizedek corporate priesthood. (Psa.110:4) ... Thou art a priest for ever After the order of Melchizedek. What we will see here is that this chapter also speaks of the end-time Melchizedek.

A sermon by John Zeigler entitled "Lord, Quicken Me" from Psalm 85:1-7

‘Quicken me after thy lovingkindness; so shall I keep the testimony of thy mouth.'—Psalm 119:88‘Thy lovingkindness is before mine eyes:  and I have walked in thy truth.'—Psalm 26:3

‘Wilt thou not revive us again:  that thy people may rejoice in thee?'—Psalm 85:6‘Quicken me, O Lᴏʀᴅ, for thy name's sake:  for thy righteousness' sake bring my soul out of trouble.'—Psalm 143:11

Tom Proulx shares the story of how he co-founded Intuit and created Quicken in his Stanford dorm room in 1983 after a chance meeting with Scott Cook outside the engineering library. Proulx explains how they revolutionized personal finance software by focusing on what customers actually wanted: to save time on tedious tasks like bill paying and check register maintenance, rather than adding complex features most people didn't use. The conversation offers valuable lessons for financial education teachers, particularly around entrepreneurship, where Proulx emphasizes that perseverance is the #1 trait for success and stresses the importance of deeply understanding your customer rather than building what you personally want. Proulx also discusses how Quicken evolved based on user research (discovering half their users ran small businesses led to QuickBooks), the 1993 IPO and TurboTax acquisition, and his vision for AI-powered financial tools that could help people automate finances and tackle credit card debt more effectively.

In this episode of the Real Estate Investor Growth Network Podcast, host Jen Josey welcomes back her "work husband" and REIGN Coach, Bud Evans. Bud shares his journey from a career in the military and public service to building a multimillion-dollar real estate portfolio and leading a veteran-focused property management company. The conversation is packed with actionable strategies, real-world stories, and a healthy dose of humor as Bud and Jen dive into the systems and mindsets that drive success in real estate investing.   Bud details his rigorous tenant screening process, including his unique 100-point scoring system and the integration of AI tools to streamline and safeguard property management. He emphasizes the importance of consistency, documentation, and systems—not just for legal protection, but for scaling a successful rental business. Bud also shares tips for landlords on lease clauses, maintenance responsibilities, and how to create standard operating procedures using innovative tools.   The episode wraps up with Bud's "BADASS" insights, covering his favorite books, advice, systems, and what success means to him. He offers encouragement to take action, invest in education, and serve others—values that have shaped his own journey. Listeners are invited to connect with Bud for coaching, strategy sessions, or just to soak up more of his hard-earned wisdom.   00:00 Introduction to REIGN and Host Jen Josey 00:53 Badassery Bestowment: Finding Distressed Properties on Zillow 03:22 Guest Introduction: Meet Bud Evans 06:49 Bud Evans' Journey from Military to Real Estate 11:35 Tenant Screening: Importance and Strategies 15:35 The 100-Point Tenant Screening System 21:51 Incorporating AI in Tenant Screening 22:40 Privacy and Data Redaction in Tenant Management 23:29 AI in Financial Verification 24:30 Scoring and Approval Criteria for Tenants 25:09 AI Success Stories in Tenant Screening 27:00 Impact of AI on Vacancy Rates 27:36 Property Management and Self-Management Tips 29:11 Creating Effective Leases 34:47 Speaking Engagements and YouTube Channel 37:51 Personal Goals and Success Strategies 5 Key Takeaways Distressed Property Hunting: Use Zillow's keyword search (e.g., "fixer," "as is," "needs work"), filter by days on market, monitor price drops, scrutinize listing photos, and check public records to find hidden investment opportunities. Tenant Screening Systems: Implement a 100-point scoring system covering income stability, credit, criminal background, rental history, and file completeness. Consistency and documentation are essential to avoid legal pitfalls. Integrating AI: Utilize AI tools (like ChatGPT) for analyzing tenant applications, redacting sensitive info, and verifying income-to-expense ratios. AI can catch details humans might miss and streamline decision-making. Lease & Maintenance Tips: Customize leases to your market, include clauses for property showings before move-out, set a $250 repair threshold, and require proper documentation for pets. Use tools like Scribe to document your processes. Service and Systems Drive Success: Bud credits his achievements to serving others, investing in education, and leveraging systems like EOS (Entrepreneurial Operating System) for business growth and team alignment. Guest Bio: Bud Evans Bud Evans is a retired Air Force officer, former police officer, and mayor turned full-time real estate investor and business owner. He leads Second Street Property Management in South Jersey, managing hundreds of doors with a focus on affordability and service. Bud is also the founder of AIM High Properties and Enlisted 2 Entrepreneur, where he helps veterans and first responders transition into real estate. An educator at heart, Bud breaks down complex investing topics into actionable steps and is a sought-after coach, speaker, and advocate for systems-driven success. Books, Tools, and Websites Mentioned Books: Traction by Gino Wickman (and other works by Wickman/EOS) The E-Myth by Michael Gerber Rich Dad Poor Dad by Robert Kiyosaki The Four Hour Workweek by Tim Ferriss Profit First by David Richter Tools & Websites: Zillow (for property searches) County GIS/public records ChatGPT (AI for screening) Scribe (process documentation tool) — scribe.com EOS One (Entrepreneurial Operating System management) — app.eosone.com Quicken (personal budgeting) PetScreening.com (pet documentation) Bud's YouTube: Enlisted 2 Entrepreneur Bud's website: budevans.com  

IN STUDIO broadcast... Let the proud be ashamed; for they dealt perversely with me without a cause: but I will meditate in thy precepts.PSA.119:79 Let those that fear thee turn unto me, and those that have known thy testimonies.PSA.119:80 Let my heart be sound in thy statutes; that I be not ashamed.PSA.119:81 My soul fainteth for thy salvation: but I hope in thy word.PSA.119:82 Mine eyes fail for thy word, saying, When wilt thou comfort me?PSA.119:83 For I am become like a bottle in the smoke; yet do I not forget thy statutes.PSA.119:84 How many are the days of thy servant? when wilt thou execute judgment on them that persecute me?PSA.119:85 The proud have digged pits for me, which are not after thy law.PSA.119:86 All thy commandments are faithful: they persecute me wrongfully; help thou me.PSA.119:87 They had almost consumed me upon earth; but I forsook not thy precepts.PSA.119:88 Quicken me after thy lovingkindness; so shall I keep the testimony of thy mouth.PSA.119:89 For ever, O LORD, thy word is settled in heaven.PSA.119:90 Thy faithfulness is unto all generations: thou hast established the earth, and it abideth.PSA.119:91 They continue this day according to thine ordinances: for all are thy servants.PSA.119:92 Unless thy law had been my delights, I should then have perished in mine affliction.PSA.119:93 I will never forget thy precepts: for with them thou hast quickened me.PSA.119:94 I am thine, save me: for I have sought thy precepts.PSA.119:95 The wicked have waited for me to destroy me: but I will consider thy testimonies.PSA.119:96 I have seen an end of all perfection: but thy commandment is exceeding broad.PSA.119:97 O how I love thy law! it is my meditation all the day.PSA.119:98 Thou through thy commandments hast made me wiser than mine enemies: for they are ever with me.PSA.119:99 I have more understanding than all my teachers: for thy testimonies are my meditation.PSA.119:100 I understand more than the ancients, because I keep thy precepts.PSA.119:101 I have refrained my feet from every evil way, that I might keep thy word.PSA.119:102 I have not departed from thy judgments: for thou hast taught me.PSA.119:103 How sweet are thy words unto my taste! yea, sweeter than honey to my mouth!PSA.119:104 Through thy precepts I get understanding: therefore I hate every false way.PSA.119:105 Thy word is a lamp unto my feet, and a light unto my path.PSA.119:106 I have sworn, and I will perform it, that I will keep thy righteous judgments.PSA.119:107 I am afflicted very much: quicken me, O LORD, according unto thy word.PSA.119:108 Accept, I beseech thee, the freewill offerings of my mouth, O LORD, and teach me thy judgments.PSA.119:109 My soul is continually in my hand: yet do I not forget thy law.PSA.119:110 The wicked have laid a snare for me: yet I erred not from thy precepts.PSA.119:111 Thy testimonies have I taken as an heritage for ever: for they are the rejoicing of my heart.PSA.119:112 I have inclined mine heart to perform thy statutes alway, even unto the end.PSA.119:113 I hate vain thoughts: but thy law do I love.PSA.119:114 Thou art my hiding place and my shield: I hope in thy word.PSA.119:115 Depart from me, ye evildoers: for I will keep the commandments of my God.PSA.119:116 Uphold me according unto thy word, that I may live: and let me not be ashamed of my hope.For this corruptible must put on incorruption, and this mortal must put on immortality.1CO.15:54 So when this corruptible shall have put on incorruption, and this mortal shall have put on immortality, then shall be brought to pass the saying that is written, Death is swallowed up in victory.1CO.15:55 O death, where is thy sting? O grave, where is thy victory?1CO.15:56 The sting of death is sin; and the strength of sin is the law.1CO.15:57 But thanks be to God, which giveth us the victory through our Lord Jesus Christ.1CO.15:58 Therefore, my beloved brethren, be ye stedfast, unmoveable, always abounding in the work of the Lord, forasmuch as ye know that your labour is not in vain in the Lord.PSA.74:2 Remember thy congregation, which thou hast purchased of old; the rod of thine inheritance, which thou hast redeemed; this mount Zion, wherein thou hast dwelt.We are in the midst of a major spiritual war before the AntiChrist shows up and then Jesus shows up! SO LET'S HAVE FUN SHARING THE WORD TOGETHER !!! FEAR IS A SIN! Let's move our lives into God and receive His rest and peace on all sides no matter how much of a drama queen the Enemy is. Jennifer Basham is fundraising for HAYWOOD CHRISTIAN ACADEMY. Support them by shopping here: https:shop.meadowfarms.com/jennifer-rimel-304854 BUY MY SUPERNATURAL NOVEL!https://www.amazon.com/Kingdom-Romance-Episode-1-ebook/dp/B07ZRJV6SHDOWNLOAD THE APP!fringeradionetwork.com DON BASHAM MINISTRIES 1,000,000,000 GIVE SEND GO:https://www.givesendgo.com/bashamPAYPAL:spiritforce01@gmail.comBITCOIN:3H4Z2X22DuVUjWPsXKPEsWZmT9c4hDmYvyVENMO:@faithbucksCASHAPP:$spiritforcebucksZelle:faithbucks@proton.mePATREON:Michael BashamHOME BASE SITE:faithbucks.com

In this discussion, host Rhys Fisher sits down with Zac Scalzi, Director of Sales at Cobrowse, and Ian Roberts, Director of Care Operations & Technologies at Quicken Inc. Together, they explore how visual intelligence, AI augmentation, and agent-first design are redefining digital customer support. If you're navigating AI adoption, struggling with fragmented customer journeys, or simply want real-world proof of what next-gen support can deliver, this conversation is absolutely worth your time. What happens when a seven-year partnership between a fintech staple and a fast-scaling tech innovator collides with the rise of AI? Scalzi and Roberts break down the real impact of Cobrowse's visual intelligence – on customers, on agents, and on CX strategy as a whole. Hear how Quicken cut average handle time by over six minutes, boosted TNPS, and prepared to launch one of the most practical, grounded AI deployments in the market. Then dive deeper into why visual context is becoming the missing link between reference-based chatbots and truly agentic AI. Key Highlights 

Quicken us and we will call upon thy name

Former CEO Of PayPal & TurboTax Is Using AI & Technology To Disrupt The Wealth Management BusinessName: Bill HarrisTitle: Founder, CEOBill's Book: https://a.co/d/aILiU0uCompany Name: Evergreen Wealth AUM: $100M AUM Website: www.evergreenwealth.com About Evergreen Wealth: Evergreen Wealth is a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission (SEC) that provides investment management and financial advice to affluent and high-net-worth individuals and families. We build custom-engineered, tax-optimized Dynamic Portfolios for our clients, purposefully designed to deliver higher after-tax performance, and financial advice through the combination of investment advisors and Evergreen Intelligence, an agentic AI advice engine. Founded by fintech pioneer Bill Harris, the Evergreen Wealth team has offices in Miami, Dallas, and Raleigh, NC. Follow Evergreen Wealth on LinkedIn or visit evergreenwealth.com to learn more. About Bill Harris: Bill Harris is the Founder and CEO of Evergreen Wealth, a digital Registered Investment Advisor (RIA) delivering hyper-personalized, tax-optimized Dynamic Portfolios™ for high-earning professionals and affluent families, particularly those in high-tax states, helping them build long-term, generational wealth. A fintech pioneer with over three decades of leadership at the intersection of finance and technology, Bill has founded and led multiple companies that have become household names, reshaping how people manage, protect, and grow their money. Before founding Evergreen Wealth, he was the former CEO of PayPal, guiding the company through its launch and early growth; the former CEO of Intuit, where he oversaw the expansion of TurboTax, Quicken, and QuickBooks; and the founder of Personal Capital, which scaled to $23 billion in assets before its $1 billion acquisition by Empower Retirement.Beyond Evergreen Wealth, Bill has launched and scaled several other companies, including MyVest, PassMark Security, IronKey, and One Finance (acquired by Walmart in 2022). He has also served on the boards of Macromedia, SuccessFactors, Care.com, Yodlee, GoDaddy, Avalara and Business.com. Bill is the author of Investment Tax Guide: How to Slash Your Taxes, which emphasizes after-tax returns as the most critical measure of investment success, a principle that underpins Evergreen Wealth's approach to Dynamic Portfolios. Bill holds an MBA from Harvard Business School and a BA from Middlebury College.

As Robert and Andrew near the end of Psalm 119 they notice something special and dive deeper into how it was written as a song. The writer of Psalm 119, King David, really focused on specific areas in each section of his writing and in verses 145-160 he paid close attention to requesting a Quickening.Related Podcasts:— Looking at Psalm 119, Part 1— Looking at Psalm 119, Part 2— Importance of the Psalms— Loving God's Law— Continuing with Psalm 119— Teach me Thy Statutes— David's longest Poem continues— Loving the Law (even more)— I Hate Every False Way— Thy Righteousness is Everlasting— Quicken Me According to Thy WordRelated Podcasts at RightlyDivide:— Introduction to the Wisdom Writings— Keep His Testimonies— Search Me O GodSend us a textSupport the showQuestions or Comments? Please reach out to us through email at questions@truewisdom.info or on Twitter/X @truewisdom_podGive instruction to a wise man, and he will be yet wiser: teach a just man, and he will increase in learning. The fear of the Lord is the beginning of wisdom: and the knowledge of the holy is understanding. Proverbs 9:9-10The Key Principles of Effective Bible Study is a resource that we reference in many of our episodes. It is explained in a series of podcasts found at Rightly Divide.God's Precious Word is a condensed, 9-part series, based on the same document. Other Resources:— e-Sword Bible Software— MySword Bible Software— Blue Letter Bible Study Site— "Knowing the Bible" Bible Maps We pray that these resources will be very helpful to you in your Bible Studies overall.

Alicia is joined by Blake Oliver and David Leary from The Accounting Podcast, fresh from Intuit Connect with detailed notes on everything announced for QuickBooks Online and the accounting profession. The discussion covers Intuit's consolidation strategy to reduce reliance on third-party apps, the new tiered pricing structure for the Intuit Accountant Suite launching in 2026, and how AI agents are currently performing in bank feeds and transaction categorization. They also examine QuickBooks' move into CRM and marketing tools, the role of QuickBooks Live in Intuit's strategy, and what alternatives small businesses and accountants might consider.SponsorsDigits - https://uqb.promo/digits(00:00) - Introduction and Guest Welcome (04:15) - The New Customer Hub and MailChimp Integration (05:43) - Concerns About AI and QuickBooks Ecosystem (10:59) - ProAdvisors' Role in the AI Era (19:01) - Addressing Reporting and Automation Issues (26:57) - The Future of QuickBooks Online Accountant (27:11) - Introduction to QBO A Refresh (27:35) - New Features and Paid Tiers (28:38) - Intuit Accountant Suite Overview (29:54) - Core and Accelerate Versions (30:08) - Client Management and Dashboards (32:36) - Practice Management Tools (33:15) - Intuit's Market Strategy (37:18) - ProAdvisor and QuickBooks Live (38:21) - Quicken's Comeback (41:25) - AI and Automation in Accounting (51:43) - Intuit's Future Plans and Innovations (54:35) - Conclusion and CPE Information LINKSProducts, Services, and Inventory, Nov 18: http://royl.ws/qbo-Inventory?affiliate=5393907QB Payments Merchant Services, Nov 25: http://royl.ws/QB-Payments-Course?affiliate=5393907BUY ALICIA'S NEW BOOK!https://www.amazon.com/QuickBooks-Online-Bootcamp-Setup-Time-ebook/dp/B0FWZ2NHTQ/Companion Course on Royal Wise:https://learn.royalwise.com/visitor_catalog_class/show/153822/QuickBooks-Online-BootcampWe want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Alicia Katz Pollock joins the show fresh from Intuit Connect with detailed notes on everything announced for QuickBooks Online and the accounting profession. The discussion covers Intuit's consolidation strategy to reduce reliance on third-party apps, the new tiered pricing structure for the Intuit Accountant Suite launching in 2026, and how AI agents are currently performing in bank feeds and transaction categorization. They also examine QuickBooks' move into CRM and marketing tools, the role of QuickBooks Live in Intuit's strategy, and what alternatives small businesses and accountants might consider.SponsorsCloud Accountant Staffing - http://accountingpodcast.promo/cas Rippling - http://accountingpodcast.promo/ripplingBILL - http://accountingpodcast.promo/billChapters(00:00) - Introduction and Guest Welcome (00:56) - Intuit Connect Conference Overview (01:32) - Changes in QuickBooks and Intuit's Strategy (02:03) - AI Integration in QuickBooks (05:26) - The New Customer Hub and MailChimp Integration (06:54) - Concerns About AI and QuickBooks Ecosystem (12:10) - ProAdvisors' Role in the AI Era (19:44) - Addressing Reporting and Automation Issues (27:43) - The Future of QuickBooks Online Accountant (28:21) - New Features and Paid Tiers (29:24) - Intuit Accountant Suite Overview (30:40) - Core and Accelerate Versions (30:54) - Client Management and Dashboards (33:22) - Practice Management Tools (34:01) - Intuit's Market Strategy (38:04) - ProAdvisor and QuickBooks Live (40:31) - Quicken's Comeback (43:34) - AI and Automation in Accounting (53:52) - Intuit's Future Plans and Innovations (56:44) - Conclusion and CPE Information  Show NotesComing soon!Listen and Subscirbe to The Unofficial QuickBooks Accountants Podcast!https://uqb.show/subscribeConnect with Alicia Katz Pollock!https://www.linkedin.com/in/aliciakatzpollock/https://royalwise.com/ Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsCollective by DBA - https://collective.cpa/ Want to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

1 Sam 14:24-52. The Bible uses honey as an analogy of the Word of God. Just as Jonathan was physically quickened by eating the honey in the wood, we are need to be spiritually quickened by the living Word of grace. 

Review Lessons 171-180IntroductionWe now review again. This time we are ready to give more effort and more time to what we undertake. We recognize we are preparing for another phase of understanding. We would take this step completely, that we may go on again more certain, more sincere, with faith upheld more surely. Our footsteps have not been unwavering, and doubts have made us walk uncertainly and slowly on the road this course sets forth. But now we hasten on, for we approach a greater certainty, a firmer purpose and a surer goal.Steady our feet, our Father. Let our doubts be quiet and our holy minds be still, and speak to us. We have no words to give to You. We would but listen to Your Word, and make it ours. Lead our practicing as does a father lead a little child along a way he does not understand. Yet does he follow, sure that he is safe because his father leads the way for him.So do we bring our practicing to You. And if we stumble, You will raise us up. If we forget the way, we count upon Your sure remembering. We wander off, but You will not forget to call us back. Quicken our footsteps now, that we may walk more certainly and quickly unto You. And we accept the Word You offer us to unify our practicing, as we review the thoughts that You have given us.This is the thought which should precede the thoughts that we review. Each one but clarifies some aspect of this thought, or helps it be more meaningful, more personal and true, and more descriptive of the holy Self we share and now prepare to know again:God is but Love, and therefore so am I.This Self alone knows love. This Self alone is perfectly consistent in Its thoughts; knows Its Creator, understands Itself, is perfect in Its knowledge and Its love, and never changes from Its constant state of union with Its Father and Itself.And it is This That waits to meet us at the journey's ending. Every step we take brings us a little nearer. This review will shorten time immeasurably, if we keep in mind that This remains our goal, and as we practice it is This to Which we are approaching. Let us raise our hearts from dust to life, as we remember This is promised us, and that this course was sent to open up the path of light to us, and teach us, step by step, how to return to the eternal Self we thought we lost.I take the journey with you. For I share your doubts and fears a little while, that you may come to me who recognize the road by which all fears and doubts are overcome. We walk together. I must understand uncertainty and pain, although I know they have no meaning. Yet a savior must remain with those he teaches, seeing what they see, but still retaining in his mind the way that led him out, and now will lead you out with him. God's Son is crucified until you walk along the road with me.My resurrection comes again each time I lead a brother safely to the place at which the journey ends and is forgot. I am renewed each time a brother learns there is a way from misery and pain. I am reborn each time a brother's mind turns to the light in him and looks for me. I have forgotten no one. Help me now to lead you back to where the journey was begun, to make another choice with me.Release me as you practice once again the thoughts I brought to you from Him Who sees your bitter need, and knows the answer God has given Him. Together we review these thoughts. Together we devote our time and effort to them. And together we will teach them to our brothers. God would not have Heaven incomplete. It waits for you, as I do. I am incomplete without your part in me. And as I am made whole we go together to our ancient home, prepared for us before time was and kept unchanged by time, immaculate and safe, as it will be at last when time is done.Let this review be then your gift to me. For this alone I need; that you will hear the words I speak, and give them to the world. You are my voice, my eyes, my feet, my hands through which I save the world. The Self from Which I call to you is but your own. To Him we go together. Take your brother's hand, for this is not a way we walk alone. In him I walk with you, and you with me. Our Father wills His Son be one with Him. What lives but must not then be one with you?Let this review become a time in which we share a new experience for you, yet one as old as time and older still. Hallowed your name. Your glory undefiled forever. And your wholeness now complete, as God established it. You are His Son, completing His extension in your own. We practice but an ancient truth we knew before illusion seemed to claim the world. And we remind the world that it is free of all illusions every time we say:God is but Love, and therefore so am I.With this we start each day of our review. With this we start and end each period of practice time. And with this thought we sleep, to waken once again with these same words upon our lips, to greet another day. No thought that we review but we surround with it, and use the thoughts to hold it up before our minds, and keep it clear in our remembrance throughout the day. And thus, when we have finished this review, we will have recognized the words we speak are true.Yet are the words but aids, and to be used, except at the beginning and the end of practice periods, but to recall the mind, as needed, to its purpose. We place faith in the experience that comes from practice, not the means we use. We wait for the experience, and recognize that it is only here conviction lies. We use the words, and try and try again to go beyond them to their meaning, which is far beyond their sound. The sound grows dim and disappears, as we approach the Source of meaning. It is Here that we find rest.LESSON 171Review of Lessons 151 - 152God is but Love, and therefore so am I.(151) All things are echoes of the Voice for God.God is but Love, and therefore so am I.(152) The power of decision is my own.God is but Love, and therefore so am I.- Jesus Christ in ACIM

Guest speaker. Recorded years ago, but one of my favorites to listen to. Psalms 119:81 My soul fainteth for thy salvation: but I hope in thy word. 82 Mine eyes fail for thy word, saying, When wilt thou comfort me? 83 For I am become like a bottle in the smoke; yet do I not forget thy statutes. 84 How many are the days of thy servant? when wilt thou execute judgment on them that persecute me? 85 The proud have digged pits for me, which are not after thy law. 86 All thy commandments are faithful: they persecute me wrongfully; help thou me. 87 They had almost consumed me upon earth; but I forsook not thy precepts. 88 Quicken me after thy lovingkindness; so shall I keep the testimony of thy mouth.Song: Come and Dine.

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"Quicken Me O Lord" preached by Pastor William Moore at the First Jesus Name Church of Benndale on the Sunday night of 1 - 26 - 2024. For more information about our church or this message please email us at fjncbenndale@icloud.com. Have a wonderful and blessed day.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about President Trump’s ambitious AI infrastructure investment, the S&P hitting all-time highs, and why she recommends Quicken's new product called LifeHub. Terry also answers all of your financial questions.

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to highlight a new service from Quicken called ‘LifeHub’ that allows you to store information in case of an emergency.

Today, we're unveiling the 2025 Method to transform your money mindset. Whether you're overwhelmed by debt, stuck in a savings rut, or simply stressed about money, this episode is packed with actionable strategies to help you think differently and achieve financial comfort.    Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:  Speaker 1: Today we're going to tackle the money mindset transformation method. Hopefully to get us on the right path for thinking in 2025, some positive thoughts and some resolutions maybe, if you will, here on Plan With The Tax Man.   What's going on everybody? Welcome into the final episode of the 2024 calendar year of Tony and myself's podcast here. Plan With The Tax Man. Of course, Tony is the tax man, Tony Mauro. He is Des Moines professional alternative at Tax Doctor Inc., of course, he serves clients all over. So if you've got some questions, need some help, reach out to Tony and his team at Tax Doctor Inc., online at yourplanningpros.com. That's your planningpros.com. He's a CPA, a CFP and an EA of 30 plus years experience in the industry. So great resource for you to tap into.   And Tony, you and I were talking about trying to eat better and get healthy and so on and so forth. And it is that time of the year, right? The end of the year going into the new season where we all want to do some sort of resolution or mindset change. And so we thought it'd be a good idea to maybe talk about that from a money standpoint. How to take some of the negative thoughts that kind of permeate our brains and find a positive better way to spend those. And so I thought that'd be fun this last episode. How you doing?   Tony Mauro: I'm doing good. Coming off Christmas and yeah, everybody's thinking about the old New Year's resolution, so this is perfect timing.   Speaker 1: Do you consider yourself a glass half empty or glass half full kind of person?   Tony Mauro: I'm the glass half full for sure.   Speaker 1: Okay, good.   Tony Mauro: And I do spend some time every year just kind of going through what I want to do for the upcoming year, both my wife and I, even on a personal level, whether it's vacations or just stuff needed around the house to financial moves. It's a time of year to put them down and see what happens.   Speaker 1: Yeah, for sure. Yeah, so if you've got any tips on how to change your mindset along the way and building new habits, well obviously it's a great time to share them. So what I'll do, Tony, is I'll give you kind of the negative thought that we tend to hear in the industry and then you give us maybe the more positive upbeat way of thinking about it, try to change that mindset. Okay?   Tony Mauro: Okay.   Speaker 1: All right. So we'll just jump around on my list here because Lord knows there's plenty of them. So let's start with a negative thought that's certainly been bothering people this past year with inflation being so high and the cost of living going up and credit card debt got a little out of control. People will say, "Hey, debt, it's ruining my life." They can't see past some of the charges they've ran up. What's a way to reframe those negative thoughts, if debt is ruining your life or you feel like it is?   Tony Mauro: You feel like it is, yeah. Well, and you hear that a lot and most of the time people say that because they look at their credit card statements because that type of debt can be ugly to start looking at. Certain types of debt really aren't as bad as people think. Mortgages are something most of us need. We can't buy our houses for cash. Student loans with low interest rates allow us to get further ahead and make more money with our educations. And so both of these generally are paying for assets that you can use in the future to hopefully help you increase your wealth and get to your goals. Now, the happy-   Speaker 1: It's an investment in yourself, right? Yeah.   Tony Mauro: It's an investment in yourself. If you do have the bad debt though, you need to work with somebody, even if it's bad, there are ways that you can tackle that bad debt. So eventually you're not going to be having that bad thought of it's ruining your life. You got to take action and do something about it.   Speaker 1: Yeah, it's true. So looking at the other types of debt and saying, "Hey, these are an investment in me," that's a positive way of doing that. And maybe that flows right along with this one too, which is the negative thought is, well, because it's so expensive right now, I don't earn enough to save, let alone invest. I'd like to, right? I'd like to save more. I'd like to invest, but God, I'm just living paycheck to paycheck. I don't earn enough to do so. And that's a tough one, especially when we're younger, so when we're in our twenties or even thirties, but we've got to find a way to turn that negative positive.   Tony Mauro: You do. And really the easiest way is to start very small. Well, I should back up a minute. The easiest way is you need to work with somebody I think, to figure out what you've got coming in and what you've got going out every month and literally detail it out. Because there are some small, small cuts that we all can make on things we blow money on to at least divert into some savings. I mean, if it's 20, 30 bucks a month-   Speaker 1: Exactly.   Tony Mauro: ... or 50 bucks a month, it gets you on the road to saying, okay, I can do this. And for most of us, whether it's a pack of cigarettes, a case of beer or Starbucks, whatever, once you start itemizing some of that out, you're thinking, oh gosh, we spend a lot of money on that.   Speaker 1: Amazon orders, right?   Tony Mauro: Amazon's another one. And so I think you got to take that mindset of surely you can find a couple of bucks, especially if you sit down and analyze it. Because if you start young enough, even small amounts can add up to big numbers over 20, 30, 40 years.   Speaker 1: Oh yeah, well think about something, I don't know, let me go with something as simple as like Netflix. It's a $30 a month subscription. So do you really need it? How much do you actually watch it? Now, I'm not saying that budgets are fun, but if you find yourself in that negative thought, out of that, I can't put anything away, $30 a month. If you're younger, well even if you're a little bit older, that adds up. 30 times 12. And putting in that something that's growing a little money, well then that's even better. So that's how you get that way.   And actually I'll use that one to jump to the next one. I'm going to jump around on my list here, Tony. But budgets, right? People are like, oh, budgets suck. They're restrictive. I don't want to have to live that way. And you could look at this whether you're a pre-retiree, which is a lot of our demographic, or retiree or even a little bit younger, you've probably lived on a budget throughout every stage of your life, but for some reason, retirees, they hate this word. They feel like, oh, I've worked really hard. I want to be able to enjoy myself in retirement. A budget doesn't mean necessarily that you can't enjoy yourself.   Tony Mauro: That's right. And everybody thinks that. If I create a budget and actually detail it out, that I can't go over this budget. That is so far from the-   Speaker 1: It's restrictive.   Tony Mauro: ... truth.   Speaker 1: I don't want to have to live on a plan. But you've always lived on a plan.   Tony Mauro: Whether you wrote it down or not, you've always had a plan. It may have been a bad plan, but if you ask anybody, in my opinion, what they.... They can kind of give you, "Well, I take in this much roughly, and I spend this much, and I don't know what I spend it on, but I know I do." That's kind of a half budget there. But if you can detail it out, all it is it points out things to help you make decisions. Do I still want to keep spending money on that or maybe I don't and want to divert it somewhere else? I have a budget. I mean, if you're really ultra into it, you need to use some financial software, in other words, Quicken, Mint, or some other ones, and have every transaction that comes in your household, every transaction goes out, detailed out in a little mini P&L or monthly saving or earning and spending report, so you can see.   For us, where we tend to spend a lot of money for example, is dining out. And sometimes we look at our thing and say, "Well, we spent a lot of money last month dining out, that's kind of over where we want to be. Maybe let's try to fix that."   Speaker 1: Reigning that in a little bit.   Tony Mauro: That's all budget is, is just reigning it in.   Speaker 1: Take that negative thought of it being restrictive and switch it to a budget is a tool for freedom. It gives me the freedom to go out to dinner, to your point you just made, because I know what my limits are. So we can go out and have ourselves a good time, but it also keeps me from getting myself into trouble. So again, taking the negative thoughts and reframing them in a positive manner. And look, you can play word association games if you want. A lot of people, instead of calling it a budget, they call it a spending plan, right? It's like, okay, fine, call it whatever you want. Call it hopscotch for all I care. But just realize that it can be a useful tool so that you don't get yourself into bad shape.   Okay, good. Good stuff. Let's see, what else could we talk about? Let's jump around different things. Taxes. So one of your favorite topics. So look, the negative thought is taxes suck. They're complicated, right? I don't get it. They eat up my income. They're taking so much of my money, right? Yes, it's hard to argue this one, Tony. It's frustrating, but how can we be a little bit more positive, at least as far as dealing with the fact that we don't have a whole lot of choice. We have to play this game.   Tony Mauro: You have to play the game. And taxes, you're exactly right, they're complicated. They are one of our biggest expenses. However, as bad, and sometimes I get on the government and everything, it's not like the old English where they just come around and say, pay us X, like to a king type of thing. They give us all kinds of laws that a lot of times, especially if you're trying to do things on your own, you don't take advantage of. Because there is some opportunities that they give you to save for retirement. They give you opportunities for deductions if you're out spending on a new house with a mortgage, student loan interest, some of that stuff we all talked about with the debt. So you've got to be able to take advantage of some of that because that is tax efficient investing and also spending. So while it's a bad thing, you got to use it to whatever laws are on the books at the time to the best of your advantage and to try to grow your wealth using that part of the game.   Speaker 1: Yeah, exactly.   Tony Mauro: It's part of it.   Speaker 1: And right along with that is the structure of the system that we have is investing. The negative thought being, man investing is so risky, it's so complicated. Same kind of feeling. A lot of people are like, I want to do it, but I don't understand it enough or it intimidates me. So we've got to be able to be positive because it's still a great way for you to grow your wealth and obviously outpace inflation. So what's the positive spin?   Tony Mauro: I think the positive spin on that is your best bet is to work with an advisor of some kind so that they can explain how over the long term, it reduces your risk over time, especially with diversification.   Speaker 1: With a strategy, right?   Tony Mauro: With a good strategy. It's one of the only ways you're going to be able to grow your wealth for the future. There are other ways. You can have your own business, you can get into rentals. There's all kinds of ways to make money, but you got to be able to save some of that money for the future. And I think that's where some people get a little intimidated, especially with the 24/7 information we have coming at us all the time. I mean, whether it's TV, internet, everything else, it's really not that complicated, especially if you have a long-term goal.   Speaker 1: I was going to say, the key I think I took from you there was the long-term approach. If you've got a straightforward long-term approach, you don't have to be trying to day-trade or be some sort of Wall Street whiz kid, but a simple longterm approach can significantly reduce the risk concerns that you have. Now, you're still going to have money at risk. That's the point. So that you can kind of grow and outpace inflation. But I think it doesn't have to be nearly as intimidating as many of us initially make it out to be. My wife says the same thing. She's like, "Oh, I don't want to mess with that stuff. It just scares me too much." So I started showing her some simpler things and she's like, "Oh, this is not so bad." So it's just a matter of coaching.   Tony Mauro: Training. It is. And really with today's, especially in the funds area, mutual funds, they make it pretty easy, and they have great portfolios, many of them, and make it very easy for a small investor to just get started and it's pretty set it and forget it. You got to have a plan in place, but you definitely want to keep a long-term approach. And I wouldn't let that get you too down about it.   Speaker 1: Yeah, yeah, for sure. All right, well I'm going to do one last one, negative thought. I'm going to combine two because they kind of work together to me. But the negative thought people have is just around money in general. I'm terrible with it. It's stressful. I make bad decisions with it. Whatever. Whatever you kind of find yourself feeling about money. Like, "This thing, I stink at it. It just stresses me out." Well, there's a simple way to think, you've got to change your mindset about money because it's obviously something that we have to use in society. So what's the positive thought about it?   Tony Mauro: I think the most positive thought that I always think about, and I tell my son this too, everybody wants to achieve whatever level of wealth that they can. But it really just is a tool, I call it a tool to use for experiences that I want to do while I'm on this planet and give me the time that I can go out and do them while I still have-   Speaker 1: Yeah, it's a tool. Exactly.   Tony Mauro: ... some decent health.   Speaker 1: It's no different than a hammer. If you're trying to build a house, you need a hammer. If you're trying to build a life, you need money. It's a tool.   Tony Mauro: It's a tool. I mean, it would be great if we all could do whatever we want and there was no money and we just did whatever we wanted and we could do it. Well, that's not the way the world works.   Speaker 1: You just showed up at Disney World and they let you go around and do whatever you want. Unfortunately, somebody has to pay for the maintenance, right?   Tony Mauro: Somebody has to pay for all that. So it shouldn't be stressful for you. It shouldn't be the root of your problems. But I think this is where some of the stuff we've talked about in the past and even today, about staying on track and having a plan and having someone help you so that you don't feel stressed out about this money stuff because it really shouldn't be stressing you out.   Speaker 1: Well, as we go into the new year, making resolutions is something we all do. So start trying to be more positive, I think, in not just necessarily making a resolution or a wish, because is it a reality if you don't act on it? Maybe write some things down. That goes a long way for people, have success doing that. Maybe write down some goals that you want to attain and then take some action steps on how to do that. And maybe for many people, the money side of things is just finally working with someone who can shine the light on the stuff that we're just not used to doing day in and day out because we're so busy living our lives. But we do need that tool, that tool called money.   So get yourself on the calendar, reach out to Tony and his team at yourplanningpros.com. Get some time to talk with them in the New Year at yourplanningpros.com. And don't forget to subscribe to us on Apple or Spotify or YouTube, whatever platform you like listening to podcasts on, and that way you catch new episodes when they come out. Tony, thanks for hanging out my friend. Have a great New Year and I'll see you in the New Year.   Tony Mauro: We'll see you in the New Year and everybody else have a great New Year as well. Stay safe.   Speaker 1: Yeah, absolutely. We'll catch you next time here on Plan With The Tax Man with Tony Mauro from Tax Doctor Inc.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

The Matt Gaetz report is out, so Trump will surely offer him another job. Surely in need of new Pampers, the President Elect wants to buy Greenland, take back the Panama Canal and occupy Canada. Surely unrelated to the whole canal thing, Shitler is being sued by Panama for tax evasion. Diaper Don reminded America the human impersonator known as Elon is not the president. A GOP congressperson was secretly admitted to a dementia facility. Lumpy brained Pillow Czar Mike Lindell hid financials behind an uncrackable password protected Quicken account. Alaska Repubs rejected a Trump plan to rename Denali. Self-proclaimed Nazi and North Carolina Lieutenant Governor Mark Robinson, AKA Tiny Soldier, logged into an online meeting using his Nude Africa username. In an effort to convince the anti-Globist mouth-breathers of our planet's shape, thoughtless leaders of the flat Earth movement were flown to Antarctica. Speaking of flat, Lara Trump blathered she didn't want to be the Crab's Senator.

In this episode of Boldin Your Money, Steve Chen connects with FinTech pioneer Mark Goines, the force behind TurboTax, Quicken, and Personal Capital. Mark reveals the keys to scaling innovations, mastering distribution, and how AI is transforming the future of financial services. Packed with insights on building impactful products, driving growth, and embracing change, this episode is a must-listen for anyone navigating money, technology, and the evolving financial world.

How can the death of a spouse affect the surviving partner's financial stability and credit score, and what steps can be taken to mitigate these impacts?We discuss financial challenges facing Ohioans aged 50 and over, with a specific focus on surviving spouses. Featuring consumer law attorney Laura Nesbitt, the episode focuses on the financial instability that can arise after the death of a spouse, emphasizing the importance of managing banks, bills, and credit scores effectively.Laura highlights that accessing accounts often requires a death certificate, and autopay bills can become problematic without account access. Estate planning should extend beyond a will and power of attorney, incorporating detailed financial documentation to facilitate smoother transitions during crises. Technology aids like Monarch Money, Quicken, and password management tools can help manage finances and account access. Regular credit report checks from major agencies are recommended to monitor and manage accounts.Addressing legal responsibilities, Laura advises against paying a deceased spouse's bills, except in joint account situations. She explains how nursing homes might wrongly bill family members and the need to verify any obligation to pay. Estates with assets or debts generally go through probate, allowing six months for creditors to file claims post-death. Informing credit bureaus of a spouse's death and freezing their Social Security number can prevent new debts and identity theft, while freezing one's own credit can be protective and temporary.Laura discusses the burdens and stigmas of homeownership and bankruptcy. Full mortgage leverage can risk financial instability if the market drops, making Chapter 13 bankruptcy a viable solution for stripping second mortgage liens. She highlights that renting may be more economical for older individuals with no home equity.The financial impact on surviving spouses can include reduced Social Security benefits and loss of additional income. Comprehensive financial information and family support are crucial, with open discussions about managing finances and knowing available resources. For families with dependents like grandchildren, seeking financial contributions from other household members is vital.Laura emphasizes that people often delay considering bankruptcy despite its potential benefits, due to the credit industry's stigma. Bankruptcy can stop creditor contact and prevent further credit score damage. Suitability for bankruptcy depends on individual circumstances, with certain debts like student loans and recent tax debts being non-dischargeable.Key Moments00:00 Consumer law attorney, bankruptcy expert since 2009.03:08 Importance of managing credit scores after spouse's death.09:17 Utility bills can impact credit if reported.12:40 Ensure personal account responsibility; avoid joint accounts.13:24 Keep financial accounts separate to avoid issues.16:32 Organize finances and passwords for estate planning.22:07 Check credit reports quarterly to monitor accounts.24:08 Verify responsibility before paying deceased spouse's bills.27:42 Consider freezing credit, especially for security.31:28 Research carefully before entering debt management programs.35:47 Evaluate finances and debt; bankruptcy may help.38:25 Chapter 13 bankruptcy can strip 2nd mortgages.40:09 Older spouse survivor faces reduced income sources.43:09 Generosity often leads to personal financial debt.47:27 Merging firms for comprehensive tax and bankruptcy services.49:00 In-house services streamline, avoid restarts, ensure continuity.We would love to hear from you.Give us your feedback, or suggest a topic, by leaving us a voice message.Email us at...

In this episode, I'm excited to welcome a very special guest: Duncan Lloyd from Maxïmo Park.Duncan has been a driving force behind Maxïmo Park's distinctive sound, known for their energetic blend of indie rock and post-punk revival. It was a real pleasure to sit down and chat with him about his life and career.During our conversation, we explored Duncan's journey—from his early days growing up, to his experiences in school, and his time in the local music and clubbing scene. We also discussed his musical influences and some of the records that have profoundly shaped him as an artist. From personal anecdotes to his creative process with Maxïmo Park, this episode offers a deep dive into Duncan's world, both as a solo artist and a member of one of the UK's most enduring indie bands.I hope you enjoy listening to our chat as much as I enjoyed recording it. If you'd like to support the podcast and help ensure more great conversations like this one, please consider contributing through the links below:Buy Me a CoffeeAcast SupporterPatreon.Be sure to subscribe to the podcast and follow us on social media so you never miss an episode:Off The Beat & Track PodcastWebsite: www.offthebeatandtrackpodcast.comTwitter: @beatandtrackpod Facebook: Off The Beat & Track PodcastMaxïmo Park: A Glimpse Into Their LegacyMaxïmo Park emerged from Newcastle in the early 2000s, riding the wave of the post-punk revival that saw bands like Bloc Party and Franz Ferdinand rise to fame. With their debut album, A Certain Trigger (2005), they quickly distinguished themselves with sharp, infectious songs, thoughtful lyrics, and lead singer Paul Smith's charismatic stage presence. Tracks like "Apply Some Pressure" and "Graffiti" became instant indie anthems, praised for their raw energy and heartfelt storytelling.Duncan Lloyd, as the band's lead guitarist and one of its primary songwriters, played a crucial role in shaping Maxïmo Park's sound. His guitar work brings an intricate, sometimes angular, quality that complements the band's emotional depth. Over the years, they've released several critically acclaimed albums, including Quicken the Heart (2009) and Too Much Information (2014), all while evolving their sound but maintaining the same passion that drew fans in from the beginning.Beyond Maxïmo Park, Duncan has explored other creative outlets, including his solo work, which showcases a more introspective side. His experiences with both the band and his solo ventures reflect the depth of his musical background and influences, spanning everything from classic rock to more experimental genres.Maxïmo Park continues to remain a vital force in the indie sceneSupport this show http://supporter.acast.com/offthebeatandtrack. Become a member at https://plus.acast.com/s/offthebeatandtrack. Hosted on Acast. See acast.com/privacy for more information.

Your running cadence is the pattern or number of steps you run per minute. Increase your cadence and you're halfway to running faster. Lengthening your stride is the other half of the equation, but doing that can be problematic. It's far more effective to focus on quickening your feet. Let's explore why. On today's show, I'm going to dive into your running cadence. I'll go over: why focusing on your cadence can be an important tool for gaining speed with lower injury risk, some myths about the ideal cadence for runners, and I'll explain a few techniques for improving your cadence to help you get faster quicker Welcome to the Planted Runner. I'm Coach Claire Bartholic and my mission is to help you improve your running, your mindset, and your life with science-backed training and plant-based nutrition. If you need more help, you can order my book The Planted Runner: Running Your Best With Plant-Based Nutrition wherever you get books or request a copy from your local library.  Don't forget to stay tuned all the way to the end of the episode for another Mental Strength Minute. Fortify your mind in 60 seconds or less. LINKS: If you'd like help directly from me, you can check out my freebies, personal coaching, and sign up for my PR Team at https://www.theplantedrunner.com/link. For my recommendations of at-home equipment and other running products I recommend, check out my curated list on Amazon: https://www.amazon.com/shop/theplantedrunner NOURIFY PLUS from PREVINEX: Simply the highest quality, best tasting plant-based protein powder you can buy. If you are ready to simplify your nutrition and optimize your fueling, you can try Nourify for 20% off the regular price with my unique link https://previnex.refr.cc/default/u/claireb RECENT REVIEWS: ⭐⭐⭐⭐⭐Great podcast! “Love listening to the podcast while running! There is a lot of great information!” Sleepy opossum via Apple Podcasts · United States of America · 05/29/24 ⭐⭐⭐⭐⭐Great content “Super informative and educational. Really enjoy the content.” Sara75001 ⭐⭐⭐⭐⭐Informative and down to earth “Claire helps to educate her audience on the science of running but does so in a down to earth way. She makes complex things easy to understand. Her ability to understand her audience and passion for running makes this a podcast a must listen for those interested in better understanding running.” SK CND Music Credits: Music from Uppbeat

On this week's episode of the Agronomy and Farm Management Podcast, Josh moderates a discussion with Bruce and Kane Lewis, Agriculture and Natural Resources Educator in Scioto County, to discuss both Quicken and QuickBooks. Both Quicken and QuickBooks are different accounting software's that can be used for farm businesses. *Disclaimer – our discussion today is […]

Adam Nash is a long-time Silicon Valley executive, investor and advisor. He was the President and CEO of Wealthfront, a Product executive at Dropbox and LinkedIn, and teaches a course on personal finance for engineers at Stanford. He is currently the co-founder and CEO of Daffy, the donor-advised fund for you and a champion of charitable giving. In addition to his long and successful career he's also a husband and the father of four kids! In our conversation today we discussed:* How to raise financially literate kids* How to think about the question of “am I financially ready for children” and is that the right question* How to teach your kids about charitable giving and philanthropy* The challenges of starting a company as a parent* The concept of “super powers” at work and at home* How to talk about money with your wife and kids* How to do financial planning in your household—Where to find Adam Nash* Linkedin: https://www.linkedin.com/in/adamnash/* X: https://x.com/adamnashWhere to find Adam Fishman* FishmanAF Newsletter: www.FishmanAFNewsletter.com* LinkedIn: https://www.linkedin.com/in/adamjfishman/* Instagram: https://www.instagram.com/startupdadpod/—In this episode, we cover:[1:41] Welcome[2:47] How did you develop your passion for finance?[5:31] When are you financially ready for children?[12:05] Was financial literacy part of childhood?[14:55] Kids ages and background[15:25] Decision to start a family[18:26] Guardrails[23:35] Conversation with partner about startup[27:12] Concept of superpowers[31:56] Advice to younger Adam[35:49] Advice to ignore[38:53] How do you build financially literate children?[44:09] What is a DAF?[51:18] Your family's philanthropy & impact[53:51] Financial review[57:27] Financial apps[58:48] Mistake as a dad[1:03:57] Rapid fire—Show references:Daffy: https://www.daffy.org/Wealthfront: https://www.wealthfront.com/Dropbox: https://www.dropbox.com/homeLinkedIn: https://www.linkedin.com/feed/Stanford: https://www.stanford.edu/Quicken: https://www.quicken.com/Steve Jobs: https://www.britannica.com/money/Steve-JobsDonorsChoose: https://www.donorschoose.org/Greenlight: https://greenlight.com/Monterey Bay Aquarium: https://www.montereybayaquarium.org/Acorns: https://www.acorns.com/Plenty: https://www.withplenty.com/Apple watch: https://www.apple.com/watch/Jewish Community Center: https://jcca.org/Cars: https://www.imdb.com/title/tt0317219/Animal House: https://www.imdb.com/title/tt0077975/Back To School: https://www.imdb.com/title/tt0090685/Real Genius: https://www.imdb.com/title/tt0089886/Star Wars: https://www.starwars.com/filmsBack To The Future: https://www.imdb.com/title/tt0088763/Toyota Sienna: https://www.toyota.com/sienna/Honda Odyssey: https://automobiles.honda.com/odyssey—For sponsorship inquiries email: podcast@fishmana.com.For Startup Dad Merch: www.startupdadshop.com Production support for Startup Dad is provided by Tommy Harron at http://www.armaziproductions.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit startupdadpod.substack.com

Matthew 16:1-4

Are you constantly wondering why your savings account isn't growing? In this episode, Allison dives into the sneaky financial habits that might be sabotaging your efforts to save more money. You'll learn about the common pitfalls that can drain your wallet without you even realizing it.You Will Learn:What These 5 Sabotaging Habits Are: Discover the habits that are keeping you from reaching your savings goals.The Impact on Your Financial Health: Understand how these habits chip away at your finances and what you can do to counteract them.Practical Strategies to Overcome These Habits: Get actionable tips and strategies to change these habits and boost your savings effectively.Plus, you'll walk away with an action plan for each habit, so you can start protecting your savings right away.If you're ready to stop the leak in your financial bucket and start saving towards a brighter future, this episode is for you!Article: How To Do A No Spend ChallengeCheck out Simplifi and Quicken!You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Send us a Text Message.You know about Paul Fiore.  He's the man behind Digital Insight, the first big digital banking tool that was acquired by Quicken for $1.35 billion in 2007.Fiore is back dreaming big and his present focus is a company called WealthNext (nee Digital One), a CUSO that aims to bring powerful wealth management technology tools to credit unions.Wealth tech already is big business - just about every big bank already is in it and so are bushels of fintechs.  Credit unions are late to this game. But not too late.Fiore is optimistic that with the right fintech tools, credit unions can gain a major stake in wealth management - and in this show he tells why he believes that and also talks about how credit unions can get involved in the CUSO and how fintechs that want to be considered can reach out.In the show Fiore mentions CryptoFi, a crypto currency company (now named InvestiFi) that brought crypto to Tulsa credit union WeStreet.  A year ago we did a podcast on exactly this. There's a link in the show notes.  Fiore also mentions the CU2.0 CU 2.0 Live event that took place in Fountain Hills, AZ in early June. Our conversation in fact started there and grew into this podcast episode.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Review Lessons 171-180IntroductionWe now review again. This time we are ready to give more effort and more time to what we undertake. We recognize we are preparing for another phase of understanding. We would take this step completely, that we may go on again more certain, more sincere, with faith upheld more surely. Our footsteps have not been unwavering, and doubts have made us walk uncertainly and slowly on the road this course sets forth. But now we hasten on, for we approach a greater certainty, a firmer purpose and a surer goal.Steady our feet, our Father. Let our doubts be quiet and our holy minds be still, and speak to us. We have no words to give to You. We would but listen to Your Word, and make it ours. Lead our practicing as does a father lead a little child along a way he does not understand. Yet does he follow, sure that he is safe because his father leads the way for him.So do we bring our practicing to You. And if we stumble, You will raise us up. If we forget the way, we count upon Your sure remembering. We wander off, but You will not forget to call us back. Quicken our footsteps now, that we may walk more certainly and quickly unto You. And we accept the Word You offer us to unify our practicing, as we review the thoughts that You have given us.This is the thought which should precede the thoughts that we review. Each one but clarifies some aspect of this thought, or helps it be more meaningful, more personal and true, and more descriptive of the holy Self we share and now prepare to know again:God is but Love, and therefore so am I.This Self alone knows love. This Self alone is perfectly consistent in Its thoughts; knows Its Creator, understands Itself, is perfect in Its knowledge and Its love, and never changes from Its constant state of union with Its Father and Itself.And it is This That waits to meet us at the journey's ending. Every step we take brings us a little nearer. This review will shorten time immeasurably, if we keep in mind that This remains our goal, and as we practice it is This to Which we are approaching. Let us raise our hearts from dust to life, as we remember This is promised us, and that this course was sent to open up the path of light to us, and teach us, step by step, how to return to the eternal Self we thought we lost.I take the journey with you. For I share your doubts and fears a little while, that you may come to me who recognize the road by which all fears and doubts are overcome. We walk together. I must understand uncertainty and pain, although I know they have no meaning. Yet a savior must remain with those he teaches, seeing what they see, but still retaining in his mind the way that led him out, and now will lead you out with him. God's Son is crucified until you walk along the road with me.My resurrection comes again each time I lead a brother safely to the place at which the journey ends and is forgot. I am renewed each time a brother learns there is a way from misery and pain. I am reborn each time a brother's mind turns to the light in him and looks for me. I have forgotten no one. Help me now to lead you back to where the journey was begun, to make another choice with me.Release me as you practice once again the thoughts I brought to you from Him Who sees your bitter need, and knows the answer God has given Him. Together we review these thoughts. Together we devote our time and effort to them. And together we will teach them to our brothers. God would not have Heaven incomplete. It waits for you, as I do. I am incomplete without your part in me. And as I am made whole we go together to our ancient home, prepared for us before time was and kept unchanged by time, immaculate and safe, as it will be at last when time is done.Let this review be then your gift to me. For this alone I need; that you will hear the words I speak, and give them to the world. You are my voice, my eyes, my feet, my hands through which I save the world. The Self from Which I call to you is but your own. To Him we go together. Take your brother's hand, for this is not a way we walk alone. In him I walk with you, and you with me. Our Father wills His Son be one with Him. What lives but must not then be one with you?Let this review become a time in which we share a new experience for you, yet one as old as time and older still. Hallowed your name. Your glory undefiled forever. And your wholeness now complete, as God established it. You are His Son, completing His extension in your own. We practice but an ancient truth we knew before illusion seemed to claim the world. And we remind the world that it is free of all illusions every time we say:God is but Love, and therefore so am I.With this we start each day of our review. With this we start and end each period of practice time. And with this thought we sleep, to waken once again with these same words upon our lips, to greet another day. No thought that we review but we surround with it, and use the thoughts to hold it up before our minds, and keep it clear in our remembrance throughout the day. And thus, when we have finished this review, we will have recognized the words we speak are true.Yet are the words but aids, and to be used, except at the beginning and the end of practice periods, but to recall the mind, as needed, to its purpose. We place faith in the experience that comes from practice, not the means we use. We wait for the experience, and recognize that it is only here conviction lies. We use the words, and try and try again to go beyond them to their meaning, which is far beyond their sound. The sound grows dim and disappears, as we approach the Source of meaning. It is Here that we find rest.LESSON 171Review of Lessons 151 - 152God is but Love, and therefore so am I.(151) All things are echoes of the Voice for God.God is but Love, and therefore so am I.(152) The power of decision is my own.God is but Love, and therefore so am I.- Jesus Christ in ACIM

Dwayne Keys grew up in Wilmington Delaware in what he describes as a very low income home with a single mother and two younger sisters. Dwayne constantly talks about how his mom instilled in him high values of ethics and self sufficiency. At the age of 16 his mother told Dwayn that he needed to get a job and begin earning an income to help support the household as well as to be able to buy things he wanted as a growing boy.   As Dwayne tells it, he moved from the 2nd smallest state in the country to the smallest one when he moved to Providence Rhode Island at the age of 18 to attend college. By the end of his college career he had obtained a Master's degree in marketing. He worked at several financial institutions, but in 2017 he decided it was time for a change in his life. He switched careers from working in the profit-making world to working for a nonprofit, Compass Working Capital as a financial coach to educate and assist low income people through a HUD program called Family Self-Sufficiency (FSS). He has risen through the ranks at Compass as you will hear.   Dwayne is quite passionate about his work. Over the next five years he hopes to continue to grow at Compass. Also, he plans to run for political office in Providence in 2026. He will tell us all about his plans. I bet he succeeds.   About the Guest:   Born and raised in Wilmington, Delaware, I grew up in a single-parent household with my mother and 2 younger sisters on my maternal side. As the oldest child and only boy, my mother was determined to instill responsibility and accountability in me from a very young age.   As a student, I was very interested in my marketing classes and participated in DECA, which led to me applying to Johnson & Wales University. In moving to Providence, Rhode Island to pursue higher education. While studying to earn my Associate's degree in Retailing, my Bachelor's degree in Marketing, and my M.B.A. in International Trade at Johnson & Wales.   After deciding to make Providence my permanent home during my first year of graduate school, I made it a point to expand my friends and networks to people outside of my college life by getting involved in many community organizations and activities in line with my passion for economic justice and prosperity. By participating in the Urban League and their Young Professionals, I was able to experience being a community organizer and activist while also being involved in politics at the state and local levels.   Over time, my focus has transitioned to that of ending systemic oppression and structural exclusion while also being a proponent of an�-racism and economic opportunity for all. While I remain a community organizer at heart, I've participated in decision making bodies with the City of Providence – Equal Pay Task Force, Special Commission to Study a Progressive Tiered Property Tax, Providence Municipal Reparations Commission – as an additional way of achieving equity and inclusion along economic means for Black and Brown residents in the city. This hasn't been easy working in the for-profit financial services industry, yet under my current employer I've found the perfect balance between my vocation and my commitment to community advancement.   Ways to connect with Dwayne: LinkedIn - https://www.linkedin.com/in/dwaynekeys/ Facebook - https://www.facebook.com/dwayne.keys3/ Twitter/X - DKeys_PVD Instagram – dkeyspvd   About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.     Transcription Notes: Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Hi, I am your host, Michael Hingson. And you are listening to unstoppable mindset today, we get to chat with Dwayne Keys. And Dwayne has an interesting story. One thing that really attracted me to Dwayne when we first started talking is he pointed out that he moved from the second smallest state in the union to the smallest state in the union. And I want to know more about that. So we'll have to deal with that and who knows what else. Dwayne, welcome to unstoppable mindset. We're really glad you're here.   Dwayne Keys ** 01:52 I am so glad to be here with you as well, Michael, and I'm just looking forward to, you know, speaking and you know, for your listeners to hear more about my experiences story.   Michael Hingson ** 02:04 Well, let's start then. We do have to get to how come you went from bigger to smaller, but tell us tell us a little bit more about you growing up sort of the early Dwayne, if you will. Yeah,   Dwayne Keys ** 02:17 the early to Dwayne. I was born and raised in Wilmington, Delaware. I am, you know, some of the facts that people don't know until they really get to know me, I am the younger of fraternal twins that was born. So I had a twin brother to White who had passed away when I was a year, we were both a year old. So you know, I, you know, I my family expanded with my mother had two other children, my younger sister lover, who was two years younger than me. And then 11 years later, my mother had another addition with my other sister, Vivian. So in terms of growing up, that was my family unit in terms of what I knew, in terms of my father, I always say, I can count the number of memories on one hand of my father, although he did live in the same city. And he also had children as well. Siblings that I really didn't even today don't really know. But knew of and we're aware of.   Michael Hingson ** 03:23 So they were in Wilmington. Yeah,   Dwayne Keys ** 03:27 we were all in Wilmington. My first few years were obviously live, we're living with my grandparents. And, you know, my mother was a young single mother. You know, in hindsight now, it's very easy to say and speak of that. I grew up in a low income household because my mother always was working full time. Also, part time, she was always supporting us, the family, and there are moments where I can reflect on it, we were financially challenged, but yet, I didn't know it growing up, you wouldn't ever known that just how my mother was determined that we would have a comfortable living environment and that we had we need but it's now knowing when I know it's like, oh, we definitely were poor.   Michael Hingson ** 04:16 Yeah. Isn't it interesting how parents keep that from children. And I can appreciate that and understand it because she didn't want you to worry about those kinds of things right. Yeah,   Dwayne Keys ** 04:29 I mean, it's you know, it kind of thinking about it like you didn't you can remember there's moments where the electrical turned off or something that disconnected or there was a notice of something. But as I you know, I she was very supportive of me really, she was very direct on getting good grades, anything with less than a C was unacceptable in the house, and then even if you got to see that was still she always emphasized you can always do better But she definitely had a very high expectation of me not only of, you know, doing well in school, staying out of trouble, but also just being more then the lived experience. So, you know, you know, just, you know, questions about going to college she was very big on, I see you going to college, I see you doing these things, I see you doing more than what we knew in terms of Wilmington, Delaware, more than what the life and she would always emphasize that I don't want you to have to work two jobs, I don't want you to have to struggle like this, I want you to be able to have a you know, have an excellent life have a way of life where you can do work, but get compensated for it. So it was always my you go to school to get the good grades to get the degree so that you can get paid well and not have to struggle financially.   Michael Hingson ** 05:54 Like she did. Did she say those things to you?   Dwayne Keys ** 05:58 Yes, she did. She was as I gotten older, and particularly as I became a teenager. And then as I got to the point where I was able to work, she did emphasize that. So when I turned 16, a month after my 16th birthday, she got me a job working at one of the supermarket that she had worked at as well at that time, that was her second job. And her statement to me was that you are going to now start paying bills in this house, you're going to contribute financially because you're good. And what I didn't realize at that time, but what she was doing was instilling that sense of responsibility. And so she didn't tell him it to me at that time. But years later, she instilled that she was happy that she had made me go to work, because then the concept of me going out earning a living being able to support myself that was instilled early on   Michael Hingson ** 06:52 about what's your sister's? Did she do the same thing with him.   Dwayne Keys ** 06:57 She actually this, my youngest sister lover, started actually working with she was what 15 1415 years old, because, you know, I there was extra money, I was able to have spending money, do some stuff I was you know, I was able to drive my mother's car because I have my license. And so I think my younger sister saw that and wanted some of that for herself, you know? And so it was, well, if you want to have those things like Dwayne does, well, you should consider getting the job, you know, you have to shoot my mother's wedding, you're like, alright, well, Dwayne's works, that's why he's able to get those things and have those things. And so the idea was, well, I should get a full time get a part time job. And so she started working part time, during summers, and also in school, you know, you know, time restricted, but she was able to find her own part time job to work. And that has been the same thing. Also my younger sister Vivian, with, you know, getting employment where all I would say where we all when we want to accomplish a goal and we want to do something, we find a way to do it. We just do I, we may not have everything planned out or or organized at that moment. But we are very determined people when it comes to accomplishing our goals and getting when we want. And so that sense of determination is in all of us. It just shows in different ways at times.   Michael Hingson ** 08:20 Yeah. Well, I appreciate what you're saying. I can't save that growing up, we had such a low income, that we had electricity or anything turned off. But I know we weren't really rich by any standard. And we we had an income that allowed us to sometimes drive to visit relatives and things like that. But we we didn't have a lot of money. And when my parents finally passed, we certainly didn't have a lot of money. They didn't have a lot of money to, to give to my brother and me. But still, I think the same kind of ethic was in what they instilled in us, which was you got to work you got to learn to make your own way. And I think although they didn't say it, probably a little bit more for me than my brother. My parents were told when I was born four months later, it was discovered I was blind that I was gonna that I should be sent to a home for handicapped children because no blind child could ever grow up to a mountain anything and my parents said to the doctors, you're wrong. He can grow up to do whatever he wants. And they really made sure that I grew up with that kind of an attitude. And I certainly have absolutely no regrets with him doing that.   Dwayne Keys ** 09:35 Yeah, yeah, absolutely. It's amazing how parents have their plan. They don't always tell you or communicate their plans to you. It's only until even more recently, I'm like okay, now what she said made sense. Now what she did make sense. I didn't understand that at times. And at times. It was frustrating because it did feel like oh gosh, she's controlling Oh, got it. It's never good enough. But then in hindsight, I'm like, everything. She had had a purpose that it's now being fulfilled now, but I can see. Well,   Michael Hingson ** 10:08 the other side of that is she may not have had such a well spelled out plan that she really understood all those things. It was just kind of the ethic that was in her.   Dwayne Keys ** 10:19 Exact exactly. I agreed. So   Michael Hingson ** 10:21 you went off to school and you got a diploma and all that, then did you go to college and what did you do there? Yes,   Dwayne Keys ** 10:29 so um, I you know, after completing Brandywine high school, during my senior year of high school, I had been involved in some activities. One was deca, that was the marketing club. And I had participated in the DECA State Conference in Delaware in February, and had won second prize in one of these categories. And lo and behold, Johnson Wales University was there at the conference, and they were handing out brochures, they were, you know, talking about the university and how they offered their, you know, programs in terms of marketing, and then how they had progressed that specialize in advertising, promotion and Fashion and Retail. Sounds exciting? Well, I mean, look at it, you know, it's not gonna hurt to apply. I was debating about what I stay in Delaware, when I go apply to University of Delaware Delaware State, do I stay Do I go? What I found was appealing that Johnson was his curriculum was just, it was not the traditional school. And so it stood out to me that there was more focus, they called themselves back there America's career in a university. So it was appealing to me because it wasn't like, I'm just going to be stuck in where I've been hearing this, this nightmare about people in terms of just going to college, and I have no life, it was more of like, wait a minute, we're going to prepare for you to get that job that you that so desire. So that was very appealing to me in terms of the university. It was also appealing to get out of Delaware. It just it just, you know, I loved my hometown, but I felt that I was stifled there. And I didn't feel so that I could be myself in terms of my ambition, my attitude, the things I aspire to. I saw Wilmington, Delaware. I mean, my mother was saying it's like, it's kind of like a retirement state at times. And, you know, if you want to have an active social life, we will go to Philly Philadelphia, which is like half an hour, 45 minutes away. And it just, he was like, Okay, here's your chance, an opportunity to get away. So I did apply to the school. I did get accepted. what my mother did not know at the time, and I have since revealed I took a secret trip to Providence. High school time join, swim break. during spring break, my mother would took a trip down to Atlanta. And so she was during that year, you know, seeing visited Atlanta, my aunt, her sister had moved, got married and moved down there. And my mother was being told you got to come down to this city, you need to see this, you need to, you know, experience like down here. My mother was falling in love with that city. And during the week when my sister state when my grandparents, I had made a day trip by train to Providence, Rhode Island form, it's in Delaware. When I came here, the mall had just opened up, they were having WaterFire it just felt good. I liked the look and feel of Providence. I liked how it just sounds like yeah, I could be down with this spot. So I was comfortable with coming here, although I never told anyone about that. So most of my family had thought I was just coming to this place not knowing what it was I was coming into when in fact that I had an idea of what I was going to be experiencing. And, you know, I had worked for most of that summer in between graduating from high school and getting ready for college. And then in August, the beginning of August, right before I was due to come to Providence, my mother made a decision. She was moving out to Atlanta, so she and my sisters moved down there first I stayed with my grandparents temporarily. And then my grandparents took me to Providence Rhode Island School instead of dorms.   Michael Hingson ** 14:21 So what did mom say when you finally told her about your secret trip? Ah.   Dwayne Keys ** 14:28 She did not really get mad. I mean, now when she sees all the stuff that I've been doing, and I've been involved in, I think she accepts it that it was it was divine intervention. It was you know, it was only revealed like I said within the last year or so, so well not much that can be done. But I think she now accepts that. It was meant to be meant to be for me to be in Providence. Hey, mom taught   Michael Hingson ** 14:55 you some of the skills you Oh, gosh, yeah. So that's that's still is a great story, though, you, you did what you needed to do, which is certainly a good thing. So you went there. And I gather that you decided to study marketing.   Dwayne Keys ** 15:18 Yes, I mean, my associates was in retail because I was looking at the different areas, the different pathways that Johnson was offered. And so the one that caught my eye, which is the one that I was very familiar with was retail retail. And, you know, the initial idea was okay, you can learn about the aspects of running a retail store or retail management. And then at the end of your two years, when you complete your associate's degree, you can decide if you want to continue on with retail for your bachelor's, if you want to change it up. And so I, you know, just created that pathway. When I complete my associate's degree, I decided to move on to get into bachelor's degree in marketing. I was like, I loved I loved at least at that time, I loved retail, but I was like, I didn't want to limit myself to just retail as my education. And that's generally marketing, because then I can transition to any other aspects of marketing, FYI, so decided in the future.   Michael Hingson ** 16:19 And so you went off and you got your, your Bachelor's in marketing? Correct? Correct. Correct. So when did you graduate with that?   Dwayne Keys ** 16:27 I graduated my bachelor's degree in 2003, and 2001.   Michael Hingson ** 16:33 All right. So they offered an associate's degree at Johnson wells. Correct.   Dwayne Keys ** 16:37 They believe they still do again, it's been 20 something years. So I'm not sure what has changed the curriculum. But that was the pathway at the time. Well, cool.   Michael Hingson ** 16:45 So you, you did that? And did you go get any kind of advanced degree after the bachelors? Or did you just stop there? No, I   Dwayne Keys ** 16:55 had decided to continue on with Johnson law. So my graduate degree, at that time there was this debate, do you get your master's degree get an MBA male, I had took along with myself, and I was saying, I don't want to have to come back to school later on. I did not. I, like many other people thought, okay, college is done, I'm never gonna have to do a study. And again, obviously, I've seen that not to be the case, I can see you to study even in my career. But at that time, I was like, you know, what would make sense. And that was like, I rather get that degree now. Get it out of the way you'll have it and your educational levels, and they you will focus on your professional experience so that when the time comes, and that is a preferred or required education level, I would have already had that in my possession. I didn't have to worry about going back study and be in a position where I'm working full time ever in a career having kids with doing that. So my aspect was, you're still in study mode, you can still take the test easily, you still can do all those things. Go ahead and do it right now.   Michael Hingson ** 18:03 Yeah, I hear you. I decided, when I got my bachelor's to continue on as well. I just thought that it was probably better to to, to get most of the schooling done. The formal schooling at least done all at once. I never had the attitude that I wouldn't go off and continue to learn and do other things. But as far as formal college, I just did it all at once. And I enjoyed it and have no regrets about doing that. Yes, yeah. So when did you graduate with your bachelor's or your masters?   Dwayne Keys ** 18:38 I completed and graduated in 2005. Okay,   Michael Hingson ** 18:42 and then what did you go do?   Dwayne Keys ** 18:45 So, um, one of the things that's also amazing and interesting is that I had always been working full time. For most of my college life. I think the first year in my freshman year I lived on campus, I did work study, I may have taken a job here and there. But the second year, I lived off campus and I hadn't lived off campus ever since. And the second year, you know, my mother had a very honest conversation with me when she was very clear, I can only pay your rents have you been paying rent just for this this year, your sophomore year? And are you on your own? You're gonna have to find a way to pay for your bills. I did have some support from my grandparents. But living with my grandparents in between my school breaks was definitely a challenge. My grandparents were Pentecostal who would you describe is conservative, traditional in terms of their outlook on life? And, and then in terms of, you know, how you should be living in life. But then also, one of the things I I really had a challenge for, for them is the distance a country All. And so anyone who knows me, I'm one of which I definitely am for making my own decisions supporting you in what you want to do, regardless of how I may think about it. But I, I had came up against this experience that because I was being supported financially, that also meant that I needed to do what they said. And that was everything from if I even read a book, I remember reading this book on Islam. And it wasn't that I was thinking about converting, I just wanted to learn more about the religion, the culture, the people. And I can remember her seeing that book, looking at it with the stain, and wondering why we're looking at that. And I didn't need to bother myself with such things. And so it's that type of limitation that I have a problem with. And I was really determined that no one's not going to do that. But at that time, you know, you're 1819 years old, you're trying to figure out this word, they are your grandparents be as respectful as you can. But to kind of sum it up, there were mountain building conflicts that happen. And Christmas Break in 2000. I came down for a few days, and I was like, Okay, I need to get back to Providence, I need to get my life in order, I need to get the shop, I need to get things settled. And my grandfather wanted me to stay longer. And I originally thought we were going to take a trip down to Atlanta to see my mother and my sisters. That was the reason for me coming down. And when that didn't happen, I said, well, I need to get back up to Providence and get this all sorted out. And my grandfather being an upset about that. I had asked my grandmother for some money as I as she had promised. And she wrote a check to me, I want to say was like 250 $300. And he said to me that last Yvette Shepherd their chairs, because that's the last money you get in? Don't you ask for anything else ever again. And I said, Okay. And he took me to the bus station. And I got on my bus back to Providence, Rhode Island, and had to just really work on what were my next steps. So between January and March, I struggled to find a job. And there were days where I didn't eat, there were days where I was behind the bills, there were days I almost, if he was was threatened with eviction, but I eventually got a full time job working for one of the department stores Nordstrom. And that was the pathway on working full time. So really ever since before right around, I turned to age 20, I've always worked full time in my field. And so after doing these different jobs, working in retail working for the school, working in the PR office, I decided that I needed to do something that was different, I needed to do a sales job. And long Behold, I got my job as a financial advisor trainee with Morgan Stanley, and that began my pathway into financial services.   Michael Hingson ** 22:52 So were you doing Morgan Stanley while you were still in school?   Dwayne Keys ** 22:55 Yes, I had gotten that job in April. Yeah, April of 2004, at the end of my first year of grad school. And so in order to keep that job, you have to pass your series seven license. So my first three months, were just studying for that exam, which I, you know, had passed incredibly fast and was grateful, and then had to get additional licenses. But yes, while I was completing my grad school studies, I was doing those license studying for those licenses. And again, working full time and also taking classes in the evening. Series   Michael Hingson ** 23:30 seven is not a trivial thing to get a license for. Um,   Dwayne Keys ** 23:35 and, you know, I can say that now, but we get jobs on the line, because I was like,   Michael Hingson ** 23:39 Oh, sure. The incident was there.   Dwayne Keys ** 23:42 We want to do so. Now. I was like, Okay, I knew what I did with the practice exams and retaining information. Absolutely. But at the time, that was that was really a major mental hurdle. Oh,   Michael Hingson ** 23:55 yeah. So McCobb that's my point. It isn't. It isn't trivial to do. Yeah. So. So anyway, you did that? And when you got your masters and what did you do? Were you working for Morgan Stanley then or what? I   Dwayne Keys ** 24:10 was still working for Morgan Stanley. You gotta remember, this is 2004 2005. So the mindset was, even if you're 20 something years old, or, uh, you know, you, you need to meet sales goals, you need to bring in business, the culture wishes. Now, we will call toxic. You know, again, this is language and words you didn't know about it. But this is a very, at that time, very cutthroat industry. And one in which I just it's like, you know what, I'm not going to be able to thrive here. I'm not going to be to meet the sales goals. So I went to another advisory firm called strategic point that was local nearby. I was there as an advisory associate for about a year. And then I was able to get a job in a call center with Bank of America. Bank of America had just bought fleet. And they were converting all of fleet banks, departments into Bank of America and so fleet on Quicken, Riley and Quicken Riley was becoming Bank of America investment services. That's B, A and C. And so I had gotten that job as an investor. As a investment specialist. That's what they call this. And I was with them for almost five years. So I worked during the 2008, you know, the 2006, market crash and 2007 2008. Financial crisis and in that following Great Recession, which I say for Rhode Island, that recession actually never went away, which is still here in some shape or form. So   Michael Hingson ** 25:43 you say you were a BFA? What about a year? Oh,   Dwayne Keys ** 25:48 actually, almost five years, I suppose. Yeah, I will stay as a investment specialist. I had been moved to the sales gates, I was, you know, opening up accounts online, I did you know, what they call priority service associate or trading gate. So I did every type of securities trade for self employment accounts that you could think about stocks, bonds, mutual funds, options. I was on our Platinum worker services, which was the high net worth trading gates. And then I was promoted to senior vessel specialist or a team leader. So I was one step below being a team manager. And then I also had to get the Series Nine and the 10, which was the supervisors licenses. So I did do that for at least about, you know, I guess, almost five years, how, when Bank of America bought Merrill Lynch, there was the conversion of the companies and Merrill Lynch was coming in with its own, you know, ways of how he ran business. And I think by that time, I had gotten to a point where I was in the call center. And I was like, Yeah, I think it's time to get back into being client facing but not necessarily leaving the financial services world. But I also wasn't desiring becoming a financial advisor, again, like I had been before. And so I came across this role of what they call a licensed banker. So someone who works at a bank, who just happens to have the investment licenses that they can be a connection between the financial planners and financial consultants, but also still being a banker and retail branch and sovereign bank, we now know what a Santander but back then was still called Sovereign was hiring for this license banker role, and Pathak kid, and I had applied for that job and got accepted. And I was with them for almost like two and a half years, aspire to be an assistant manager. And Sunday air when they took over for sovereign, they took away the assistant manager role. So you just there was no way to build up to become an assistant manager or to become a branch manager, it was this, you need to meet your sales goals. Just keep doing what you're doing, but no type of development, no type of mentoring. And, again, that just wasn't gonna do it for me. So another local bank, Baker, I was hired from the system manager I interviewed applied for him interviewed for that role got accepted, and was an assistant manager for two of their branches and was there for almost three years. And then I got cursed back to coming back to South Sudan when they created the premier client manager group, which was a new department that was supposed to be a new way of remote banking, supporting clients remotely, instead of run a branch. And that department was in place for two years. And in May of 2017, they announced that they were going to close that department. And as they did, I had evaluated what should I do? What's my next move? I was applying to other different roles at the bank and other different financial institutions and wasn't getting anywhere back. And I just something said, why don't you check out some nonprofit jobs. I had always served on different nonprofit boards and was part of different, you know, community events when it came to economic justice. And I was like, let me check those out. And I came across the job posting in Brown University Square center for our financial coach. And I'm just learning more about this nonprofit organization called compass and their focus on families with low incomes and subsidized housing.   Michael Hingson ** 29:31 So what exactly does compass do? So   Dwayne Keys ** 29:34 compass was basically providing financial coaching to families who were in what's called the Family self sufficiency program, or FSS for short. And so that is a program that is a HUD program, which your housing provider either like public housing authorities or private multifamily owners can offer to residents To have a section eight voucher. And so compass provides program management to those programs while also the financial coaching in that time, compass was moving forward with one of their one of the fall partners, power preservation affordable housing on launching FSS in the name, you know, FSS at six different locations in New England. So this is the first time that FSS is being offered to multifamily properties. And it only been public housing authorities that could offer FSS and just for people to know what this program allows us that in the family self sufficiency program, participant is able to save rent increases, that happened as a result of increases in earned income. So when your income earned income goes up, your rent goes up. But what happens is the difference between what your rent was when you first started the program versus where it is when you have increases in your earned income, that rent increase is put away in a savings account for you about the housing authority. And there's a five year plus program that a participant can be enrolled in.   Michael Hingson ** 31:10 So what do you do in your day to day job than what compass? So you went to compass in 2017? And you're still there? Right? I am still there. Six years? Yeah.   Dwayne Keys ** 31:21 I mean, so you can say, well, the wall has evolved. Again, I joined as a financial coach, and I've been a senior financial coach. So as a financial coach, I was working with one on one with clients and my portfolio. Meeting with them, we have minimum required times that we're supposed to work with, but it's really supporting them in achieving their financial goals. And I described how I look at financial coaching is, we're in a car, the client is the driver, I'm in the passenger seat. I'm helping with navigation, I'm giving information on what could happen to where, where, what are you going to experience, if you turn left, if you go right, if you go backwards or forwards with the mindset that we're supporting the client, and they'll be making their own decision as to where they want to go on this financial journey. And the emphasis is on asset building my client, you know, people take to move from being asset poor, to asset secure and a public benefit system, you always hear about an emphasis on income and income is important. Yet we do know that having assets having savings for emergencies to be able to buy, you know jumping around the hall to be able to have an asset such as owning your own business, you know, owning your own home having money for retirement, just emergency savings, we know that this is key to families and to people's, you know, success. And so I had started off again, working directly with families one on one. And as a senior coach, I worked on other special projects and supporting compasses of mission. The last three years I was a coaching manager, I was leading a team for up to four financial coaches. We're making sure that we're providing that high quality financial coaching that I did as a coach, and which I was still doing and then more recently, I was promoted to director of programs for our multifamily partnerships. So I mail overseeing the team of coaching managers, program managers who are overseeing coaches and outreach specialists, Sunday making sure they're having effective program management, getting high quality financial coaching, and I'm working with six different multifamily partners on strategies for expanding FSS scaling the FSS program.   Michael Hingson ** 33:35 So how does compass make money? I mean, are they do they get it from funding? Do they get it from the investments that you help people acquire or what? Okay,   Dwayne Keys ** 33:45 so essentially, I combination is, obviously philanthropy. We do do a number of fundraising, but you know, foundations definitely do help. We do get paid for running these programs for the housing partner. So that's the additional source of income as well. Really funded program. So the federal funding it Yes, it is. So, more recently, it used to be the only public housing authorities could get HUD funding to fund these positions to fund the work of FSS now, multifamily owners can do so depending upon if you receive an award from HUD so there is some federal funding involved you also make it the housing provider that we work with this their own sources of funding that they used to pay compass with and then I'll put the bulk of our money that we do is philanthropic   Michael Hingson ** 34:35 Okay. It seems to me and I have to go look I know we've had a somebody else from campus elsewhere on unstoppable mindset, but it's been a long time so I'm gonna have to go back and look, but I know it was it was fascinating to hear what what compass did and and what all you guys are doing. So for you, though, having heard about your upbringing, and so on, and heard about how your life has evolved over time? What would you say your passion and areas of focus in your life is or are? So   Dwayne Keys ** 35:12 the role is where I'm really fulfilling is how do we help families rise up out of poverty, you know how to set one a panel discussion a few weeks ago, which was the witness that world with no poverty where people are not having to rely on this mindset of just pull yourself up from your bootstraps. But wait a minute, we're really giving people the financial education that they need. And I say that financial education, not financial literacy, because I can't stand someone thinking, you know, that we're the financial literacy, people are illiterate, they just may not have the education that you have in terms of this area of personal finance. But also having the assets, the cash, the capital to do what it is that you need to do, is very significant. I appreciate what I've seen some of my client experiences. In the last, particularly at the beginning of the pandemic, like that first year of the pandemic, I had two clients who were able to buy that house. So even in the issue of this, the scary situation of COVID have this uncertainty with the economics of what's happening with our country and all that was going on, I still have clients who are able to persevere who are able to move forward and achieve their goals of homeownership, or, you know, other goals, or just having the money to be able to survive and emergency. And it was also a unique time, because many some of my clients had to then pivot when they had lost their jobs temporarily. They use that time to think about should I go back to school? Should I you know, focus on being self employed? What does that look like in terms of starting my own business? So it definitely opened up opportunities for people to be creative, how do we still thrive and be able to accomplish our next steps in our goals, in spite of all the uncertainty that we're still facing that we still face today? But for me, too, as I said, it's who better to help you support you in this and navigating through these financial systems and the experiences that someone who grew up with it and also experienced it themselves? You know, I kind of joke, you know, joke here and there. But I was like, Who better to help people to death collection that someone who had a debt collection who had to endure that experience and go through it? Yeah,   Michael Hingson ** 37:25 you are very fortunate that you had a mother who helped you through it by requiring you to do the things that you did. And so and you also have obviously had to discover some things on your own as well. But you did that, which gives you the skills now to do what you're doing, which is teaching others? Yes,   Dwayne Keys ** 37:47 yes, absolutely. Absolutely.   Michael Hingson ** 37:51 Go ahead. Yep. So all right, go ahead. Go ahead. I   Dwayne Keys ** 37:55 was gonna say, you know, even at Compass, you know, there's been a lot more that I've had to learn, because even though that's what we do, you know, my current role, I've had to learn project management, program management B, what does it mean to run a nonprofit? You know, so there's been quite a number, quite an education I've continued to receive even there in terms of that arena, while at the same time, you know, following up with just making sure that we're providing the high quality financial coaching.   Michael Hingson ** 38:22 So you, you work with people who are probably coming to you with a lot of fear and uncertainty in their lives, right? Correct. Correct? How do you help them overcome fear? What do you do to help them overcome fear and not be so daunted if you will, or blinded by having all this fear in their lives? Because of all the things that have happened to them? Yeah,   Dwayne Keys ** 38:47 I mean, one of the the initial steps with all of our training is you have to build trust with the clients. And it's very hard, because you have to remember, they've experienced systems and organizations and peoples in the past, who may not have treated them well, or they may have not had a best experience. So really, establishing building that trust is key. The next step is understanding their journey, their story, what they what have they done, and also celebrating successes that they've achieved on their own, because we never want to disconnect or distort this, dismiss what someone has achieved. But it's also then having to get back to what is it that you want to accomplish, and when you want to do and, again, we're going to go at your pace. So I've had some clients that they come in, I know they want to buy their house, they know what they need to do they know what they need to work on. Great. We're gonna go with you on that. And then I've had some clients who will say, You know what, I actually don't know what I want to do. I want to start I further say, you know, I want to start my own business. I don't know what that is, okay, well, then we're going to go on this pathway, and then on at this pace, so that we can focus on that. And again, we're going to be flexible and adaptable. So if right now, there's a goal that you'd be focusing on but then something that's happened to you you got to prioritize The other thing that we prioritize that other thing I will say is that this is your journey, this is your financial coach. And this is not my journey, you know, my appointment, and I'm gonna tell you what you need to do, you set the tone of where we're going to focus on. And I'm here to make sure you have the information, the resources, and the support that you that you need to receive in this program. And I think one of the main key things I have been able to do is help people recognize their own successes, people may be just doing things because they needed to do it. Or they may experience a situation where they think it's a failure, when actuality is success, and what are the things which makes him so minor, but I think it's majors, clients work on building up an emergency fund, then they put away their savings, they reach that goal, and then next, an emergency happens. And then they have to use that money. And they're saying, I'm so depressed, because yeah, this happened with the car, this happened with this thing. And I had to use it. And I'm like, great, because that's what an emergency fund is for. That was exactly, so think about it. By using having that money, you didn't have to worry about using credit cards using credit using any type of predatory lending, you didn't have to borrow, you didn't have to do any of the things that would have gave you additional stress, you had the money right there. That's excellent. That's the goal that was accomplished, you accomplished your goal. So just thinking about those things about stuff, which people may feel as though that's not really a major accomplishment. And actually is when you think about how you're trying to achieve financial security and success in your life,   Michael Hingson ** 41:32 trying to bring some perspective back to people because they, they really don't necessarily see what really happened. I mean, you, you guided them, they did stuff. But until something happens that causes them, for example, to use that emergency fund. And then you have to remind them of what that means, then and only then do they really internalize what happened. Yeah, if you had to really give us one story, that was just a great success story, what would it be?   Dwayne Keys ** 42:04 One story was one of my clients who ended up she had saved I'm gonna say up to $30,000 in the program. But even up to that moment where she was completing the program, she still had doubts about if she was going to get that money. And we were she, she had been, you know, increasing our income had been saving. But her budget was becoming very challenged with affording both the rent increase, and the other bills because she also had a car payment. And she had gotten this car loan in order to be able to get to work. But it was causing this this great challenge in her budget. And so we just asked the question, it was like, you know, you're struggling with this payment, you're struggling with being able to meet other obligations, when it makes sense to take some of that money that you've already saved, pay off that car loan. And then by doing that, that helps you get, you know, you'd be able to meet all the obligations and get budget you're able to save on your own, you won't have to worry about that. That item being on your credit, you know, being an obligation, the more you own it outright, you can even maybe adjust your insurance rates, you have to worry about full coverage and save some money that way. What about that, and she was like, You know what, let's do that. And we have put the request in the check arrived two weeks later. And even when she's coming there, she's looking with the tears and running up her eyes because she's like, this is really she's I can't believe this is really happening. You know, because you hear about it, you talk about it, you say this is going to happen for her to actually see that that's happening, we're going to do that right now. And that's why it wasn't just it was one less thing she had to worry about. It was like, think about all the stuff she's not going to be able to do now that that goal, you know, being able to pay down that debt, pay off that debt entirely, not have to worry about that and have a car and her own right that she owns was the phenomenal. So just I always talk about like, even to that moment to see that, oh, this is this is really I'm really going to accomplish this goal, this is really going to happen, I'm really going to be able to say that I did this, that memory still stays in my mind, just but the reaction of you know, the opposite that very moment of the cheque being placed in your hand there was this disbelief that this is really a true real true program to actually exist and helps people. Yeah.   Michael Hingson ** 44:26 And they wouldn't have had access to those resources in any other way if you weren't there to advise them.   Dwayne Keys ** 44:32 Correct. Exactly. Exactly.   Michael Hingson ** 44:36 Well, you've been doing this now for quite a while. What do you see yourself doing in five years?   Dwayne Keys ** 44:43 So that you're singing about you know, as we've been talking about, what is the next pathway and I have put that out there? So I do see myself as an executive at Compass we have different levels. You have all staff obviously individual contributor manager level director level Which I'm at now. And I just says, I can see myself as an executive, you know, and I look at my own pathway. I'm like, you know, things could change. Compass has expanded. When I first started, the organization was 25 people. We're now at above 70. So you know, this growth money in the company, where I also see myself is that, as I said to you, you know, I've always done this volunteer work in terms of advocacy, special events, work, doing things with different nonprofits, and I've come to be a specialist when it came to like community engagement strategies when it comes to people of color, particularly in this part of Providence, just being a special advisor, facilitating meetings. And what I've done is I've been able to wrap up all those of the special projects and what I've done in terms of workshops and teaching, and things outside of campus, and to my own sole proprietorship, Deacy solution, which I've had in place since 2015. But really, this past year was really one in which I've done a number of projects. So just being like a business coach and a workshop instructor to participants who are looking to design, you know, set up their own design business and supporting them in terms of business developments, and how did you set up a business bank account and have you set up your own business to be able to, you know, launch as a business entity. That's been fulfilling, but a number of other projects have been doing. And then obviously, I aspire to hold elected office, I did run for state rep in 2018. And I will be pursuing running for our local city council races in 2026.   Michael Hingson ** 46:45 Oh, not till 2026. Every four   Dwayne Keys ** 46:49 years. So my counsel first and just read in one her third, third term in 2022. But she's term limited, the more currently I've been supporting her ever since she first ran in 2014. Definitely have been a, you know, great admirer of the work that she's done with our area. And in a way I want to be able to continue which he had started in our terms. So you know, it's been something we're we've been openly discussing, but I've been very firm to it. Yes, I am running in 2026. I do have my campaign account open, I do have things are in place. And as we get closer to that date, more TOCOM?   Michael Hingson ** 47:29 Well, I would only say the other side of that is that at least her term limits are causing her not to be able to run, then you won't be able to run against her, which is a good thing.   Dwayne Keys ** 47:38 Correct. You know,   Michael Hingson ** 47:41 good to have friends, you know? Yeah,   Dwayne Keys ** 47:43 yeah. I mean, people have asked that question, why don't you run? And I said, No, no, no, I made it very clear that I do support our incumbent, I definitely do admire her work and what she's done. And so no, I was not going to challenge her. But I said the moment she said that she was done, I'm running.   Michael Hingson ** 47:58 Well, that's fair. In a lot of ways. So what what issues are there in your surrounding community? And I guess I would say overall, for all of us, that we need to be a little bit more aware of things that you want listeners to know about that they ought to deal with.   Dwayne Keys ** 48:17 Yeah, I mean, this is also reflecting that up, you know, the last seven and a half years, I was the chairperson of the South Providence neighborhood association. So that was a nonprofit that was launched in 2015, when, you know, the council person had just gotten office. And there was the desire for us to have a group a body a place to come, where we can get information and talk as a community neighbors, you know, neighbors, what was going on the neighborhood, what's impacting us, and how do we move forward? In this experience, I will say there's a number of things that are going on. One has to deal with zoning and urban planning issues. You know, with Providence, we have huge issues when it comes to housing design. We have a situation where I like it, you know, I have to say this, I use just words. You still have segregation and redlining practices embedded in how we have housing development housing projects that are being done. We definitely have this issue of housing affordability, which is across the nation, but you know, it here in Providence, we have displacement that's happening where a lot of residents, you know, low to moderate income, primarily, black and brown residents have had to move out or move elsewhere. And because they haven't been able to afford the high cost of prices, you know, they're not able to the wages aren't keeping up with the prices of inflation and the housing costs of class in Providence, unlike some other cities, where they require housing developments to include units include price points for low to moderate income Up. in Providence, we're okay with people who want high luxury housing development just behind luxury development, know what the subsidies. So it's also creating these divisions in my view where we're not. We're not providing opportunity for families, individuals, those from different walks of life to be living in all parts of Providence, it's almost as if, oh, this price point, you only have this type of housing and this one part of the city or that part of the city, and it's perpetuating that. Another thing has to also deal with the issue of taxation, you know, Providence, we are a college town, but literally half of our properties or either owned by colleges and universities or by governments, because we are the capital city, or we're an island. So we've definitely had financial issues, when it comes to our pensions. When it comes to our viability, there was this huge major issue between what we call the pilot program payment and low taxes with the universities, colleges, universities, many residents and think that the universities are paying more than they should. And we do have a big hospital community in my part of the neighborhood in which there's been debates about that community not paying their share, and also fears that that hospital community will take more land in the neighborhood for their, their buildings, their parking lots. So there's a history of how do urban renewal eminent domain homes were take, you know, were bought, and people had to move out of the neighborhood for the expansion of the hospital community. And you have many residents will still talk about that today,   Michael Hingson ** 51:37 without any kinds of issues that you might be seeing or encountering regarding persons with disabilities, which is, you know, usually a large minority that people don't talk about.   Dwayne Keys ** 51:49 So one of the things that has already come up in terms of the city where I already said, I'm like, we are not ABA compliant, when it comes to our sidewalks, when it comes to people with wheelchairs, a major issue that happens and this is where we're talking about, you talk, think about something as simple as shoveling the sidewalks during the wintertime. And what I've seen, you've had people but in particularly those people who have mobility issues having to walk in the street, because that person or that company or organization did not shovel the sidewalk. So we have a public safety issue, which is every one that I find with people with disability disabilities, for those who have a mobility issue, that is a major crisis that is going on. And then the main thing also with Rhode Island, and particularly Providence, we have old housing stock. So there's a number of people who may again, because of mobility issues, they can't get to the third, second or third floor. So they are limited, but housing. So we have a number of people and actually one of my good friends, colleagues Titi Podesta, and she was like She's someone who has mobility issues, she was speaking about this, you know, there's housing, there's units, there's places that she can't go, because it's not accessible. So that is one thing that I definitely see here that you don't think about until it's time to have the activity or until it's time to do something and that person candidate get in and she made a good point. She was like, I bet you the majority of the folks if I was if you were to have an event or something that your house will not be able to come to your house? And I'm like, no, because I'm on the third floor, no elevator, no other way for you to get off to the third gift to me.   Michael Hingson ** 53:25 So yeah. How do you deal with that?   Dwayne Keys ** 53:27 So I mean, one of the things we have to do is we talk about infrastructure, we have to invest and we upgrade or design the housing a way that is accessible for people to be able to get into the dwellings. And then you also have to deal with this practice of preservation and look and feel and care, because we are an old historic New England town. Absolutely. And we to have nice gorgeous Victorian houses and everything else. And at the same time, we have this housing crisis, people need to use that space. How do you balance look and feel and character and uniqueness with this need of mobility of access?   Michael Hingson ** 54:12 Well, to go another direction, though, which in some senses ought to be a whole lot easier to address. So what about things like? Are the city websites accessible? What are you What is the city doing to make information readily available? website accessibility across the board and so on? Michael,   Dwayne Keys ** 54:29 the website accessibility, it's not even accessible to those who can say so we have a we have a whole issue,   Michael Hingson ** 54:37 good political answer, no information really works.   Dwayne Keys ** 54:42 So you have people who struggle to just get information in general from the city at times. And so we're, you know, so you bring up a very good point. It's not even at the forefront, not because it's not, it's not important. It's more of like we're just struggling to get the basics of everyone just know what's going on. Er yet.   Michael Hingson ** 55:01 One of the things that I talk about from time to time in speeches that I give as well, as I've mentioned a few times on this podcast is, when people talk about diversity, they never really talk about disabilities, because we're not part of the conversation, we're not part of the discussion. And that's what really needs to change until people recognize that diversity. If it's going to truly be diversity needs to include everyone, then that's not going to change. And so I oftentimes have discussions with people about inclusion as opposed to diversity because they say, Well, we're, we're working on being inclusive, but you're not inclusive, well, but we're partially inclusive, Nope, doesn't work. You either are inclusive, or you're not. And if you're inclusive, it's a mindset. And if you are inclusive, then you're going to be dealing with disabilities and so on. It's unfortunate that we're not there yet. As I said, we don't really make disabilities part of the conversation. But I know what you're saying about housing and so on, you know, my, my wife used to watch when she was alive, a lot of the shows on house building and all the people who come and renovate homes and all that sort of stuff, they would not invariably do anything, to think far enough ahead that if somebody had a house, and they were renovating it, that they might make it accessible for the next person who might buy that house. And so none of the people that really deal with all the house stuff on TV, deal with it, either. The only time it ever comes up is if you happen to have somebody in a wheelchair or whatever it is, it is unfortunate, we're not part of the conversation. Yeah,   Dwayne Keys ** 56:42 and I think that goes into this other piece, too, is equity when it comes to design and decision making. So when we're making the decision of what gets done, or how it gets done, or do we have everybody who needs to be included, not just in that conversation, but agreeing that this is the way that this is going to go. And that is very, that is lacking in many particular cases, I see it both not just in terms of like accessibility, but even with those who have a disability, who are also receiving public benefits, SSDI or SSI. In some cases, I have seen that where there's limitations when it's time to transition for them being able to go back to work and be able to earn a living, you see that limitation there in terms of you're limited to how many hours that notching it, how many hours how much you can earn in that particular time period. Yeah, if you can lose this benefit, you lose that benefit. And so that was one of the things to your point, when I first came to Compass, we had always up to that point at work with more public housing authority clients, who see almost all of them very rare that you came across someone who had a disability who was receiving one of those benefits. And when I came into, you know, compass, I encountered a number of people who enrolled, who had SSI SSDI benefits, particular SSI, who wanted to go back to work, but he had all these limitations and how he could save how they can earn. And lo and behold, even at Compass, I'm like, what do we do, and we had nothing in place. So I had to use my first two years are really just like researching developing content and information for us to put in place to support those clients. So even to your point, it wasn't intentional. But that never been considered a compass until it presented itself.   Michael Hingson ** 58:33 We still do not recognize it. Inclusion should be part of the cost of doing business and part of the cost of life, which is really the issue. But yeah, you're right, there are so many limitations on people who are receiving benefits, like SSI and SSDI. There's only so much that can be done. And Congress isn't really willing to change that. So it is unfortunate that it did it continues to happen. Yeah,   Dwayne Keys ** 59:01 I mean, even one of the blessings was the ABLE account, which was That was great. But you have to be aced what your disability had to have occurred on or before get 26 birth that right? I'm like, okay, so what happens if I'm 30 something years old? And it's something Oh, I can't use that. So still is excluding a segment of population who could benefit from that program? So   Michael Hingson ** 59:23 there's a lot of that, oh, it's an very unfortunate situation. And we're not. We're not anywhere near dealing with any of that yet. You also have your own little enterprise outside of campus, right?   Dwayne Keys ** 59:33 Yeah. So the key solution that you know, as I said, I've been doing a number of practical projects. I don't have any like formal business model. But what I in the past I've been asked to facilitate a meeting or lead a workshop or do this one on one, you know, business coaching. So there's a number of areas that I have outside of, of compass that I've worked on, like I said a lot of stuff in terms of just my expertise with planning A zoning committee engagement just thinks, you know, supporting Black and Brown business owners in terms of moving forward. And it was like, Well, why don't you start, you know, maybe doing that as a business. So long Behold, this past year, like I said, there's always every once in awhile, I will have a project where I was asked to do something, pieces, you know, you know, you know, some money, but nothing significant. This year, I had been sign up for a number of activities, as I said, like being a workshop, instructor, business coach, doing consistent, you know, activities, and I was like, Oh, this is gonna be different. And so I said, it's hypothetical, this is this is not going to be something I should file like, I should not, I should treat this as a business income that it is. And I had had the key solution already set up. And I was like, Okay, why don't you make this a regular thing? Why don't you put this out there that you do these activities at a price. And so that has been a whirlwind. But I've completed a catalyst Fellowship Program, which is a paid fellowship program to learn how to be a nonprofit consultant. There has been other particular things that I've done in terms of CES, like, there's one pro

In this remastered episode of the RPGBOT.Podcast, we discuss running one-shot adventures and what level at which you should do so. We discuss the pros and cons of a 1st-level adventure, what levels we recommend for 5e and PF2 one-shots and why, and how to handle one-shots for classless systems and systems that don't use the concept of levels like Shadowrun and Fantasy Flight's Star Wars RPG. Special thanks to @oaks_and_ravens on twitter for the question of the week this week. This episode was originally published on January 19th, 2022 MATERIALS REFERENCED IN THIS EPISODE RPGBOT.Podcast Episodes How to Play Dungeons and Dragons, Part 2 – Characters Episode 18 – Downtime Articles on RPGBOT.net DnD 5e – Practical Guide to Campaign Planning DnD 5e – Practical Guide to Starting Above 1st Level DnD 5e – Encounter Builder Dungeons and Dragons (DnD 5e) Xanathar's Guide to Everything (affiliate link) Pathfinder 2e Core Rulebook (affiliate link) Little Trouble in Big Absalom – Free PDF Sundered Waves 5th-level one-shot adventure On Roll20 On Paizo.com Other Stuff Halo: Reach on wikipedia Quicken (affiliate link) – I bet you thought we were kidding. Shadowrun Beginner Box (affiliate link) Star Wars Edge of the Empire (affiliate link) The Drake Equation on Wikipedia If you enjoy the show, please rate and review us on Apple Podcasts, Spotify, or your favorite podcast app. It's a quick, free way to support the podcast, and helps us reach new listeners. If you love the show, consider joining us on Patreon, where backers at the $5 and above tiers get ad free access to RPGBOT.net and the RPGBOT.Podcast, can chat directly to members of the RPGBOT team and community on the RPGBOT.Discord, and can join us for live-streamed recordings. Support us on Amazon.com when you purchase products recommended in the show at the following link: https://amzn.to/3NwElxQ How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra Twitter: @RPGBOTDOTNET Facebook: rpgbotbotdotnet Bluesky:rpgbot.bsky.social Ash Ely Professional Game Master on StartPlaying.Games Twitter: @GravenAshes YouTube@ashravenmedia Randall James @JackAmateur Amateurjack.com Producer Dan @Lzr_illuminati

Are you looking to purchase or end your timeshare ownership but not sure where to start?My guest's experience and credentials set him apart. Newton Group's President authored the industry's Consumer's Guide to Timeshare Exit which has been featured in Forbes and downloaded over 50,000 times.Newton Group's President has been quoted in US News, Forbes, BBB Beacon Magazine, Quicken and has appeared on ABC, NBC, Fox, CBS, and more. Owners of Newton Group, along with experienced attorneys, founded the nation's leading timeshare consumer rights law firm in 2017 - combining timeshare exit expertise with personal legal representation. They have helped thousands of timeshare owners just like you! https://newtongrouptransfers.com/http://www.yourlotandparcel.org

Join host Tim Ringgold on the latest episode of Pickleball Recovery as he interviews Darren Lancaster and Dr. Ethan Kreiswirth from Go Sleeves, the world's first kinesiology sleeve. They dive into how the sleeve came into existence, the problems it solves that traditional kinesiology tape and compression sleeves suffer from, how Go Sleeves help during pickleball, but also how they can help AFTER.   If you want to save some coin on their amazing stuff, just use the discount “PBR” at checkout to save 15%! Or just shop at https://www.gosleeves.com/PBR.   Follow the guys and the brand online:   IG:   @gosleeves @darren_lancaster @dr.kreiswirth   If you are struggling with feeling stiff, sore, or in pain from your passion for pickleball, go to www.pickleballrecovery.com for your free guide to feeling better on and off the court! Follow Pickleball Recovery Here: FB: https://www.facebook.com/PickleballRecovery IG: https://www.instagram.com/Pickleball_Recovery/ TW: https://twitter.com/PickleballRecov This podcast is sponsored by Zamst. Zamst reinforces and protects athletes by providing premium technical products in the form of athletic braces and supports derived from innovative materials, designs and manufacturing processes for the ankle, knee, elbow, and more. Find out more about these high quality products built to prevent injury, improve performance, and ultimately help you spend more time on the court at www.zamst.us and use the code PBR to save 15%!

Tina Lin is the Director of Product Marketing and Brand at Quicken. This week on the On Brand podcast she walked us through the process of revamping this iconic 40-year-old brand while preserving its history and legacy. Anyone thinking about a rebrand won't want to miss this episode! About Tina Lin Tina Lin has spent her career building, marketing, and operating B2C, B2B, and B2B2C products and services. With over 25 years of experience, she has built and launched new businesses across many industries, including sports, online gaming, small business finance, and Internet advertising. As Director of Product Marketing and Brand at Quicken, Tina led the revamp of the 40-year-old iconic Quicken brand, with a new logo, visual identity, and website, signaling its vision for the future. Tina started her career as an investment banker at Morgan Stanley and CS First Boston. She holds an MBA from Stanford Business School and a BS/BA from the Wharton School/College of Arts & Sciences of the University of Pennsylvania From the Show This is Quicken at 40. Check out this article detailing the rebrand Tina shared with us during the show. What brand has made Tina smile recently? Tina shared two of my personal faves — Nike and Canva! Connect with Tina on the Quicken website or LinkedIn. As We Wrap … Listen and subscribe at  Apple Podcasts, Spotify, Amazon/Audible, Google Play, Stitcher, TuneIn, iHeart, YouTube, and RSS. Rate and review the show—If you like what you're hearing, be sure to head over to Apple Podcasts and click the 5-star button to rate the show. And, if you have a few extra seconds, write a couple of sentences and submit a review to help others find the show. Did you hear something you liked on this episode or another? Do you have a question you'd like our guests to answer? Let me know on Twitter using the hashtag #OnBrandPodcast and you may just hear your thoughts here on the show. On Brand is a part of the Marketing Podcast Network. Until next week, I'll see you on the Internet! Learn more about your ad choices. Visit megaphone.fm/adchoices

Zelensky told delegates at the World Economic Forum in Davos: "It was not us who started the war but it is us who will have to end it." Also: Israel's top court has blocked the appointment of an ultra-Orthodox politician as a minister in Benjamin Netanyahu's coalition government because of a recent criminal conviction and staying in Israel scientists there have created a robot that can detect smells.