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The best lenders reveal why waiting to talk to a pro can cost you thousands—and how early planning unlocks smarter, cheaper options for your first home loan. In this episode, David Sidoni shares insights from 250 top first-time homebuyer lenders on what they wish buyers did months before applying for a mortgage. He explains why relying on Google or AI can backfire, and how professional advice early on can tailor your loan for better long-term outcomes. Real-life examples show how small strategic moves, like adjusting debt or rethinking a down payment, can drastically lower monthly costs. Whether you're a year out or just getting curious, this episode shows why it pays—literally—to start planning now.Quote“It's not just ‘can you get approved?'—it's are you in the best position possible with the loan structured around your full financial picture?”HighlightsWhat 250 mortgage pros say they wish clients did earlierThe massive mistake of waiting until you're “ready” to get pre-approvedWhy Google, webinars, and AI can't replace tailored financial adviceA real buyer example where paying off a car instead of boosting a down payment saved bigHow pre-planning transforms your buying power—not just your approval oddsThe difference between a cookie-cutter loan and a custom strategyWhy a free consult with a realtor-lender team could be your smartest first moveReferenced Episodes129 – Quasi: Bought out of college with the degree—proof you don't need 2 years.304 – Everything you need to know about credit.182 – Interview with a buyer who had a zero credit score and still bought a home.246 – Lease breaking: Why it shouldn't stop your buying plan.22, 58, 75, 113 – Using a 401K for your down payment.72, 199 – Myths about credit pulls.309 – Practice your mortgage payment before buying.69, 106 – Dave Ramsey episodes.198 – PMI is a privilege.216 – PMI is still a privilege—not the devil.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Pastor: Jordan Hansen Series: Committed (1) Title: All In Date: 2024.05.03+04 --------------------- CHAPTERS: 00:00 - Teaser 00:23 - Series 00:59 - Sermon (1) 02:44 - The Best Things 06:02 - Sermon (2) 08:41 - Question 10:12 - Point 1 18:19 - BIll's Testimony 22:08 - Point 2 28:21 - Point 3 38:17 - Closing --------------------- LINKS / RESOURCES:

Forget pre-quals and online rate shopping—this episode breaks down why discovery calls, custom strategies, and unicorn lender relationships are the real keys to homebuying success. In this first of a two-part conversation, David interviews unicorn lender Kelly Cort, who shares the most misunderstood truths about home loans—and how first-time buyers can stop wasting time online and start building a real plan. From rules vs. guidelines, to buying with debt, and even how your W-4 and tax strategy can raise your monthly affordability, this episode is packed with insight that could save buyers thousands.Whether you're afraid to “bother” a lender or just not sure when to start, this episode shows why early outreach and human strategy beat bots every time.Quote:“It's not a bother. It's a privilege. Allow us to be your guide in the journey.” — Kelly Cort, Episode 339Highlights:What's the difference between a pre-qualification and a discovery call?Why do so many buyers wait too long to talk to a lender—and how does it hurt them?What's the real difference between a loan rule and a guideline—and how can it change your approval?Can you buy a home even with student debt or loans in forbearance?How can adjusting your W-4 and tax strategy increase your monthly affordability?Why do unicorn lenders view helping you early as an honor, not a hassle?Referenced Episodes:Episode 19 – Financial Prep for HomeownershipEpisode 94 – Real Estate Terms & DefinitionsEpisode 328 – 10 Real Action Steps for First-Time BuyersConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

VA loan myths, self-employment hurdles, and relocating with a toddler—Jessica's story proves that even with obstacles, a smart plan and the right team make homeownership possible. Jessica is a military spouse, a self-employed business owner, and a mom—three factors that many people assume make buying a home impossible. In this episode, she shares exactly how she proved them all wrong. With a VA loan, a “unicorn” real estate team, and months of early preparation, she bought a home in a dream neighborhood—even after losing out on an earlier offer.This interview is packed with hard-earned wisdom about organizing documents for underwriting, dealing with VA misconceptions, and navigating the emotional ups and downs of buying as a military family with limited local support. Whether you're active duty, self-employed, or just trying to figure out how to make homeownership work in tough circumstances, Jessica's story shows it can be done—and why it's worth it.Quote:“It's like a light in the dark—out of nowhere, you suddenly have a lantern. And you've been walking around with a match.” — Jessica, Episode 335Highlights:Can you buy a home using a VA loan with no down payment—and still get taken seriously by sellers?What steps can self-employed buyers take to prep their tax returns for mortgage approval?What makes a “unicorn” real estate team essential for military families relocating?How did buying a fixer-upper in a dream neighborhood become a better long-term win than a renovated home?Why do VA loans come with extra scrutiny—and how can buyers get ahead of it?How does a toddler, a septic tank, and a $1964 stove all fit into a successful first home story?Why starting early—12–24 months before your move—is the real game changer for military familiesConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Today's Flash Back Friday episode is from #564 that originally aired on March 13, 2023. Jay Tenenbaum, co-founder and President, Capital Development and Loss Mitigation at Scottsdale REI, a private equity real estate investment firm, specializing in acquiring assets nationwide.   Jay has acquired over 500 distressed mortgage notes and properties in over 40 states & attributes his success and expertise to his ability to effectively integrate his 20 years of experience as a former debt collection professional. Jay's unique skillset lies in his ability of turning non-performing assets into positive cash flowing assets.   Quote: "It's all about relationships to gain traction and speed." Highlights:   05:15: How the distressed note sector has shifted since the great recession 09:45: What due diligence looks like for distressed notes 12:40: What happens when you buy vacant properties 14:15: How Jay sources liens right now 16:45: Learning more about buying distressed notes and properties 19:35: Finding funding for purchasing notes   Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

News of the Bogus: 21:08 – Biggest Bogon Emitter: Judge James Boasberg 30:43 – Idiot Extraordinaire: The RIAA This Week's Quote: “It is usually futile to try to talk facts and analysis to people who are enjoying a sense of moral superiority in their ignorance.” —Thomas Sowell

In this timely April 2025 market update, David Sidoni unpacks rate drops, rising inventory, and why some condos are suddenly less affordable—even as their prices fall. The latest housing market data is in, and David breaks it all down so first-time buyers can cut through the headlines and plan smarter. In this episode, you'll learn how a 10% stock market correction and tariff policies may be helping mortgage rates fall—and what that means for your buying timeline.David also dives into surprising shifts in the condo market, with record-high HOA fees and insurance spikes making some of the most “affordable” homes trickier than they seem. Plus, he covers regional buyer wins, like opportunities in cities such as Omaha and Charleston, and revisits the #1 thing still driving home prices: low inventory.Quote:“It's not how to buy a home next week. It's how to plan to buy a home in six months—or even 18 to 24 months from now.” — David SidoniHighlights: 1. What do stock market volatility and global tariffs have to do with your mortgage rate? 2. Could rate cuts be coming sooner than expected—and how should buyers prepare? 3. Are bidding wars finally dying out, or is that just national data masking local reality? 4. Why are condos selling below list—but still becoming less affordable for many buyers? 5. What's really included in your monthly payment—and how can rising HOA and insurance fees change the math? 6. Which cities are quietly winning for renters ready to make a move in 2025? 7. Is now the time to buy—or the time to start building your plan before the rush?Referenced Episodes: • Episode 326 – Assumable Mortgages • Episode 272 – How to Use the Podcast Library • Episodes 175–177 – Winning a Bidding War • Episode 94 – Real Estate Terms & Definitions • Episode 328 – 10 Real Action Steps for First-Time BuyersConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Quote: It is important, when faced with adversity, to reach for stamina and perseverance within yourself.  Your created situation is only temporary.    watch here: https://youtu.be/QrEj20D3Eak

Quote: It is important, when faced with adversity, to reach for stamina and perseverance within yourself.  Your created situation is only temporary.    watch here: https://youtu.be/QrEj20D3Eak

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It sometimes seems that we have only to love a thing greatly to get it." - Robert Collier Gratitude: Ability to Learn. The ability to learn new things means we have endless potential. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It takes less time to do a thing right than to explain why you did it wrong." - Henry Wadsworth Longfellow Gratitude: Children. Watching children laugh, grow, and dream can keep things in perspective. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!

Olivia Stapleton is the Marketing Specialist and Sales Enablement leader at Dealer Teamwork LLC, a pioneering automotive digital marketing company, and founder of Next Gear Automotive. She helps dealerships optimize their digital presence through patented MPOP® technology while fostering industry innovation through her platform focused on people and passion in automotive.Today, Olivia Stapleton shares her journey into the automotive industry, where she's been immersed since childhood, thanks in part to her father's influence. She discusses the importance of connecting with the next generation, especially in automotive marketing, while highlighting her passion for merging creativity and strategy.Olivia also delves into how Dealer Teamwork is redefining digital advertising with transparency and personalization. Plus, they chat about the evolving role of marketing in auto sales, Olivia's exciting content projects, and how the younger generation can drive change in this fast-paced industry.--------------------------------------------This show is powered byPartsEdge: Your go-to solution for transforming dealership parts inventory into a powerhouse of profitability. Their strategies are proven to amp up parts sales by a whopping 20%, all while cutting down on idle inventory. If you're looking to optimize your parts management, visit

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It is a common experience that a problem difficult at night is resolved in the morning after the committee of sleep has worked on it." - John Steinbeck Gratitude: Air Conditioning. Staying cool on a hot day is something people wouldn't have dreamed about in past centuries. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're ready to master productivity, discipline and focus in 100 days, visit TheMasteryJournal.com and you'll have the step by step guidance to do just that. Use promo code 'refresh' as a thank you for listening to The Daily Refresh.

Episode Introduction: Have you ever felt like you're stuck in a life that looks good on paper but doesn't quite feel like you? Maybe you've been told to play it safe, to follow the 'practical' path, and now you're wondering if it's too late to reclaim your dreams. Today, we're joined by Dr. Drayvon James, a powerhouse in personal development, life coaching, and empowerment. As a pharmacist, actress, leadership expert, and transformation specialist, she has mastered the art of reinvention. In this episode, we dive deep into self-worth, overcoming fear, and breaking through the limits that hold us back—because transformation isn't about waiting for the perfect moment, it's about choosing yourself today.     Top 3 Takeaways: 1️⃣ Self-Validation is the Key to Transformation – Stop waiting for permission to pursue your dreams. The power to change starts with believing in your worth. 2️⃣ Fear is Part of the Journey—Not a Sign to Quit – The obstacles you face aren't roadblocks; they're part of the path to personal growth. 3️⃣ Reinvention is Your Birthright – It's never too late to pivot, rediscover your passion, and step into a life that truly aligns with who you are.     Main Topics & Notable Quotes: 1. Self-Validation: The Foundation of Personal Growth (07:45)

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It's not that some people have willpower and some don't. It's that some people are ready to change and others are not." - James Gordon Gratitude: Indoor Plumbing. Indoor plumbing not only provides convenience, it spares us from disease. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.

In today's episode, Gina responds to an ACP Group Coaching member who posted an interesting word for her "one word for the year". This group member chose "resilience" for her 2025 word of the year. Gina expands on how we can all take this new year opportunity to cultivate more resilience in our lives and by doing so improve our ability to cope with anxiety and stress. Listen in and find out how you too can become more resilient this new year! Please visit our Sponsor Page to find all the links and codes for our awesome sponsors! https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. FREE MUST-HAVE RESOURCE FOR Calming Your Anxious Mind 10-Minute Body-Scan Meditation for Anxiety Anxiety Coaches Podcast Group Coaching link ACPGroupCoaching.com To learn more, go to: Website https://www.theanxietycoachespodcast.com Join our Group Coaching Full or Mini Membership Program Learn more about our One-on-One Coaching What is anxiety? Find even more peace and calm with our Supercast premium access membership: For $5 a month, all episodes are ad-free! https://anxietycoaches.supercast.com/ Here's what's included for $5/month: ❤ New Ad-Free episodes every Sunday and Wednesday ❤ Access to the entire Ad-free back-catalog with over 600 episodes ❤ Premium meditations recorded with you in mind ❤ And more fun surprises along the way! All this in your favorite podcast app! Quote: It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change. -Charles Darwin Chapters 0:42 Setting the Stage for Resilience 2:54 The Power of Vocabulary 9:49 Cultivating Resilience Strategies 17:50 Embracing Change and Uncertainty 19:41 Building Emotional Awareness 20:43 Strengthening Support Systems 22:58 Practicing Self-Compassion 24:33 Connecting to Your Purpose Summary In this episode, I delve into the concept of anxiety proofing your life by cultivating resilience and grace, inspired by a thought-provoking question from a member of our private Facebook group. I explore how we can develop the ability to bounce back from adversity, emphasizing that resilience isn't merely about enduring hardships, but about doing so with a sense of elegance and strength. I've come to realize how essential it is to expand our vocabulary to include empowering words that evoke strength, such as resilience, equanimity, poise, buoyancy, fortitude, and grit. Each of these terms offers a perspective on overcoming life's challenges and serves as a reminder of our innate capacity to thrive. Throughout the episode, I share my own journey of finding a focal word for the year, a practice I introduced to our group years ago, and how this search led me back to A's question. Reflecting on words like enthusiasm and gusto, I emphasize the importance of recognizing ourselves beyond our anxious thoughts and feelings. We are not defined by our anxiety; rather, we possess the power to cultivate a vibrant and resilient self. I encourage listeners to consider how they speak to themselves, advocate for their inner resilience, and use affirming language to reframe their experiences. I provide listeners with practical strategies to enhance their resilience. Embracing change and uncertainty is crucial—understanding these elements as inevitable parts of life can transform our approach to challenges. I urge cultivating a growth mindset, viewing setbacks not as failures but as opportunities for learning. #Resilience #Anxiety #MentalHealth #StressManagement #GrowthMindset #SelfCare #Perseverance #Tenacity #EmotionalAwareness #PersonalGrowth #Mindfulness #CopingStrategies #SelfCompassion #OvercomingAdversity #AnxietyRecovery #SupportSystems #GoalSetting #EmotionalIntelligence #MentalStrength #WellBeing Learn more about your ad choices. Visit megaphone.fm/adchoices

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It's wonderful what we can do if we're always doing." - George Washington Gratitude: Good Friends. Often, it's the quality of friendships, not the quantity. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.

0:00 – Intro 0:46 – Year In Review 16:30 – BBE/IE Winners 43:25 – Silver Cluon Winners 45:12 – Idiot of the Year: Robert Reich This Week's Quote: “It's not an endlessly expanding list of rights—the ‘right' to education, the ‘right' to health care, the ‘right' to food and housing. That's not freedom, that's dependency. […]

Well, it has been over a year since our last episode. As a COVID-19 pandemic project, sticking to a consistent publishing schedule for this podcast has been tough. But we've always said that even if our focus on it fades and drifts, we'll continue putting out content as long as we have something to say.So, we threw this episode together on New Year's Eve to at least say that we put out one episode in 2024. Enjoy our lessons, observations, and reflections on 2024, which includes topics we hope to cover over a few episodes in 2025.We talk about the value of simplicity, gratitude prayers, learning to surrender, knowledge vs wisdom, and the meaning crisis in our culture and why there are so many zombie movies/TV shows.2024 Quote"It is very simple to be happy, but it is very difficult to be simple." —Rabindranath TagoreTimestamps:coming soon!Links:Overcoming Nihilism (My 2022 article)Zombies in Western Culture A Twenty-First Century Crisis by John Vervaeke, Christopher Mastropietro, and Filip MiscevicSupport Us:You can always support us by leaving a rating or review in your podcasting app. You can also share our episodes with friends on social media.But it does take a lot of time to put together a podcast, maintain a website, and write new content every week. So if you would like to support us in a more substantial way, consider making a donation through the PayPal buttons on our website:https://exploringkodawari.blog/donation/Follow Us:Our Website/BlogNewsletterTwitter: @EKodawariInstagram: @exploringkodawariFacebook: facebook.com/ExploringKodawari

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It is not good to know more unless we do more with what we already know." - R.K. Bergethon Gratitude: Finding the perfect gift for a friend and seeing the look on their face when they open it. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It is not what he has, or even what he does which expresses the worth of a man, but what he is." - Henri Frederic Amiel Gratitude: Discovering the shade of lipstick that was basically made for you. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're interested in launching your very own Podcast, visit FreePodcastCourse.com/ and this completely free training will teach you EVERYTHING you need to know! So visit FreePodcastCourse.com.

News of the Bogus: 21:20 – Biggest Bogon Emitter: The News Media 32:42 – Idiot Extraordinaire: Alexandria Ocasio-Cortez This Week's Quote: “It's easy to reject the initiation of violence against one's neighbor but it's ironic that the people arbitrarily and freely anoint government officials with monopoly power to initiate violence against the American people—practically at […]

Think the 2025 housing market is going to crush your homebuying dreams? David dives deep into what first-time buyers can actually expect next year, cutting through the doom and gloom to reveal surprising opportunities – including how 45% of 2024 buyers scored interest rates under 5% (yes, really!).Quote:"It's not that you can't buy a home. Don't believe that. It's that you haven't looked. You haven't explored. You haven't researched."Highlights:Could Spring 2025 finally bring the inventory boost buyers are craving?What if mortgage rates aren't the obstacle you think they are?Is 2025 the year home prices finally give buyers a break?Could you score a sub-5% rate like nearly half of 2024's buyers did?What if waiting until later in 2025 costs you thousands?Could post-election changes actually work in your favor?What if another year of renting costs more than buying?Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Hey Dude, I'm really sorry it's been so long since my last call. I riff about a "big f'n deal" announcement that is still a secret, while also lamenting all of the broken shoelaces in my life.  QUOTE: "It's not the big things in life that kill you. It's the little things like breaking a shoelace with no time left." - Charles Bukowski  PEOPLE: Charles Bukowski, Sylvester Stallone PLACES: North Hollywood High School THINGS: Rocky, X (the band), Twitter, Bluesky SOUNDS: plane, birds, footsteps, gravel path,  Laguna Sawdust Cowbell Chimes  GENRE: storytelling, personal narrative, personal journal PHOTO: "Cafe at Christmas" shot with my iPhone XS RECORDED: December 6, 2024 on the "Wawona Lawn" under the flight path of the Bob Hope Airport in Burbank, California GEAR: iPhone XS voice memo recorder. HYPE: "It's a beatnik kinda literary thing in a podcast cloak of darkness." Timothy Kimo Brien (cohost on Podwrecked and host of Create Art Podcast) DISCLAIMER/WARNING: Proudly presented rough, raw and ragged. Seasoned with salty language and ideas. Not for most people's taste. Please be advised.

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It is good to have an end to journey toward; but it is the journey that matters, in the end" - Ernest Hemingway Gratitude: Finding the most amazing blouse on the clearance rack and there's only one and it's your size. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!

Are you curious to know what it takes to make half a million dollars in just one year? Join me in today's episode where I sit down with one of my clients, Jessica Harris, a therapist turned business coach who has achieved remarkable success in her coaching business. You'll discover how Jessica transitioned from running a private pay therapy practice to coaching therapists in building their own thriving businesses. She shares her insights on the importance of mindset work, particularly around money, and how it played a crucial role in her journey. We also discuss the strategic steps Jessica took, from marketing and niche selection to building a supportive team, that contributed to her rapid growth. Topics covered on in this episode:What inspired Jessica to transition from a therapist to a business coach.How Jessica made half a million dollars in just one year.Jessica shares why mindset work is crucial for financial success, especially around money.How surrounding yourself with successful mentors impacts your business journey.The role strategic hiring plays in supporting business growth.The importance of marketing and niche selection in attracting the right clients.Jessica's honest advice for therapists looking to pursue coaching.Connect with Jessica Harris:Website: www.empoweringtherapists.comInstagram: @empoweringtherapists Facebook Group: Therapist Private Pay AcceleratorConnect and work with carly:

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It's nice to be important, but it's more important to be nice." - John Cassis Gratitude: Getting to know your parents as unique adult human beings instead of “mom” and “dad.” Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're interested in launching your very own Podcast, visit FreePodcastCourse.com/ and this completely free training will teach you EVERYTHING you need to know! So visit FreePodcastCourse.com.

Constitutional Law - Day 1 Main Themes: Judicial Review: The power of the courts to interpret the Constitution and invalidate laws/actions of other branches. Sources of Federal Power: How the Constitution grants and limits federal authority. Separation of Powers: The division of government functions into distinct branches to prevent tyranny. Checks and Balances: Mechanisms ensuring each branch limits the power of the others, maintaining equilibrium. key Ideas/Facts: I. Judicial Review: Established by Marbury v. Madison (1803), giving courts power to "say what the law is" and strike down unconstitutional acts. Ensures the Constitution is supreme and protects individual rights from unchecked legislative/executive power. Quote: "It is emphatically the province and duty of the judiciary to say what the law is." - Chief Justice John Marshall, Marbury v. Madison Limitations on Judicial Power: Standing: Parties must have a direct stake in the case's outcome, preventing advisory opinions on hypothetical issues. Ripeness: Cases must be sufficiently developed with a present controversy, not premature or theoretical. Mootness: Cases where the issue is already resolved are dismissed, as no practical relief can be offered. Political Question Doctrine: Courts avoid inherently political matters best left to other branches (e.g., foreign policy). II. Sources of Federal Power: Commerce Clause (Article I, Section 8): Grants Congress power to regulate interstate commerce. Broadly interpreted to cover activities affecting interstate commerce, even if local (Wickard v. Filburn). Used to address national issues like civil rights (Heart of Atlanta Motel v. U.S.) and environmental protection. Taxing and Spending Power (Article I, Section 8): Allows Congress to levy taxes and spend for general welfare. Used to raise revenue and incentivize state policies (South Dakota v. Dole - drinking age tied to highway funds). Necessary and Proper Clause (Article I, Section 8): Grants Congress implied powers to execute its enumerated powers. McCulloch v. Maryland: Upheld Congress's power to establish a national bank, even though not explicitly listed. III. Separation of Powers: Executive Branch (President): Enforces laws, conducts foreign relations, commands armed forces. Checks: Congress can override vetoes, control funding, declare war; Judiciary can review actions for constitutionality. Legislative Branch (Congress): Makes laws, levies taxes, declares war, oversees the budget. Checks: Bicameral structure requires approval from both chambers; can impeach officials; confirms appointments. Judicial Branch (Courts): Interprets laws, ensures constitutionality through judicial review. Checks: Life tenure for judges insulates from political pressure; Congress can impeach; President appoints judges. IV. Checks and Balances: Ensures no branch becomes too powerful and maintains accountability within the system. Examples: Congress can override Presidential vetoes. President can veto legislation. Courts can declare laws/actions unconstitutional. Congress controls federal spending, influencing executive policy. Senate confirms judicial appointments, shaping the judiciary. Overall: This session highlights the dynamic tension inherent in the U.S. government's structure. The Constitution establishes a framework for power but relies on judicial interpretation and inter-branch checks to ensure balance and protect individual rights. Understanding these principles is crucial for comprehending how the U.S. system functions and evolves. --- Support this podcast: https://podcasters.spotify.com/pod/show/law-school/support

Think scoring a home in a pricey market like LA is impossible? Think again! David revisits a chat with Alvin and Ashley, a savvy couple who snagged a $700,000 dream home (with a DJ studio!) by doing things the right way. Their story is packed with "aha!" moments that'll have you rethinking what you actually need to buy your first place.Quote: "It's not black and white, so get a plan going ASAP... You can do this!" - Alvin, proving that with the right plan, anyone can achieve homeownership.Highlights:What if you could buy a home sooner than you think, even in a competitive market? Alvin and Ashley's story shows how proper planning and the right realtor can fast-track your journey to homeownership.Could your current salary actually afford you a home? Discover how exploring your financial picture with a trusted advisor can reveal hidden possibilities and dispel affordability myths.Is it possible to find an eco-friendly home that aligns with your values? This episode highlights the importance of finding a home that truly reflects your lifestyle, even down to solar panels and drought-resistant landscaping.What if you don't need 20% down to buy your first home? David debunks common down payment myths, revealing the surprising reality of average down payments for first-time homebuyers.Is there a secret to navigating the complexities of homebuying? Learn from Alvin and Ashley's experience how the right realtor can guide you through the process, answer your questions (even if it's the fifth time!), and make it less overwhelming.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Episode web page ----------------------- Rate Insights Unlocked and write a review If you appreciate Insights Unlocked, please give it a rating and a review. Visit Apple Podcasts, pull up the Insights Unlocked show page and scroll to the bottom of the screen. Below the trailers, you'll find Ratings and Reviews. Click on a star rating. Scroll down past the highlighted review and click on "Write a Review." You'll make my day. ----------------------- Show Notes In this episode, we welcome Sharbani Dhar, a leading voice in customer experience design and founder of dotinfinity. She joins host Louis Granger to discuss the evolving role of design and AI in shaping meaningful customer journeys. With a career rooted in UX leadership, Sharbani brings a strategic, customer-first approach to AI, moving beyond the common “tech-first” mentality that often misses the mark on delivering real business value. Sharbani shares how dotinfinity was founded on the idea that design and research should be central to solving complex customer challenges, not just surface-level enhancements. She highlights the Responsible AI Canvas her team developed, which guides organizations in responsibly adopting AI with a human-centered lens. The conversation covers actionable insights into aligning AI with core business goals, the importance of employee engagement, and why effective AI implementation requires a focus on problem-solving, not just technology. Key themes and ideas: 1. Moving from transactional design to strategic influence Sharbani explains how design and research are often undervalued, perceived as transactional rather than strategic. She advocates for the integration of design as a driver of business outcomes and deeper customer connections. Quote: "It's not just about making things look good – it's about creating meaningful experiences that shape customer journeys and drive business results." 2. Responsible AI adoption: human-centric, problem-first AI implementation is more than adopting the latest tech trends; it requires a problem-first approach to identify where AI can genuinely solve challenges and deliver ROI. Sharbani introduces her team's Responsible AI Canvas, a three-step framework that helps organizations assess AI readiness, align technology with KPIs, and execute responsibly. Tip: Align AI initiatives with real organizational goals and assess readiness across people, infrastructure, and governance. 3. Building an AI-empowered workforce AI implementation requires both the right tech and the right people. Sharbani stresses training and workforce alignment, so employees not only support AI initiatives but grow with them. The episode highlights Australian government guidelines that Infinity follows: Responsible AI Training, Data & Governance Training, and Diversity & Fairness Training, each critical to minimizing biases and fostering ethical AI. 4. Effective metrics beyond NPS Sharbani shares her skepticism of Net Promoter Score (NPS) as a metric, noting it often fails to capture real customer satisfaction or journey pain points. Instead, she advocates for metrics that reflect customer engagement, trust, and brand loyalty. Quote: “NPS tells us how likely customers are to recommend a product, but it doesn't reveal the whole story.” 5. Ecosystem thinking in AI implementation A siloed approach to AI often limits its potential impact. Sharbani advises organizations to adopt ecosystem thinking, which includes partnerships and integration across customer journeys. She shares a compelling example of a Canadian health insurer collaborating with supermarkets to reward healthy customer behaviors through AI. Takeaway: Look for opportunities to integrate AI solutions within a broader ecosystem that aligns with customers' lives. Episode Links: dotinfinity's Responsible AI Canvas Sharbani Dhar on LinkedIn dotinfinity website The Casks and Convos podcast

Feeling lost in the maze of mortgages and mountains of paperwork? David chats with Stephanie and Kenton, two educators who transformed a real estate nightmare into a homeowner's dream (complete with an award-winning front yard!). Discover how they ditched the "door opener" realtor, embraced their inner spreadsheet ninja, and unlocked the secrets to scoring their perfect SoCal home.Quote: "It's not just about the price that you're putting on the offer, it's how you're structuring it." - KentonHighlights:Could a second chance at your dream home be even sweeter than the first? (Especially after a flipper adds a few upgrades!)What if the key to surviving a bidding war wasn't just about offering more money, but crafting a smarter offer?Is it possible to find a realtor who understands the importance of "no texts after 8 pm" AND knows the ins and outs of the local market?Could your home inspection reveal hidden problems... or uncover unexpected opportunities? (Hint: those pesky termites might just lead to a free treatment!)What if the secret to affording your dream home was as simple as embracing your inner spreadsheet nerd and maximizing those tax credits?Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: “It's always a red flag when entrepreneurs talk about getting 1% of a $100 billion market. In practice, a large market will either lack a good starting point or it will be open to competition so it's hard to ever reach that %1. And even if you do succeed at gaining a small foothold, you'll have to be satisfied with keeping the lights on: cut-throat competition means your profits will be zero.” - Peter Theil Gratitude: For your favorite beer or cocktail which if nothing else, has sometimes made that hard work day seem a lot lighter. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're ready to master productivity, discipline and focus in 100 days, visit TheMasteryJournal.com and you'll have the step by step guidance to do just that. Use promo code 'refresh' as a thank you for listening to The Daily Refresh.

Dive into the great "new build vs. resale" home debate! David Sidoni breaks down the pros and cons of each, revealing the hidden costs, builder tricks, and how to avoid getting stuck with a "builder's agent" (spoiler alert: bring your own realtor!). It's a wild ride, but by the end, you'll be armed with the knowledge to make the best decision for YOUR homeownership dreams!

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: "It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently." - Warren Buffett Gratitude: For people who work at clothing stores, whose service often goes unnoticed. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: It's not the years in your life that count. It's the life in your years. –Abraham Lincoln Gratitude: Smell of coffee brewing Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're interested in launching your very own Podcast, visit FreePodcastCourse.com/ and this completely free training will teach you EVERYTHING you need to know! So visit FreePodcastCourse.com.

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: It's not the years in your life that count. It's the life in your years. –Abraham Lincoln Gratitude: Smell of coffee brewing Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're interested in launching your very own Podcast, visit FreePodcastCourse.com/ and this completely free training will teach you EVERYTHING you need to know! So visit FreePodcastCourse.com.

Are you tapping into the full potential of client retention in your private practice, or are you letting opportunities slip through your fingers? Let's get real about the part of your therapy practice that's often brushed aside but is actually a goldmine for both you and your clients.In today's episode, I'm tackling the tricky topic of client retention head-on. I'll share with you how to approach those critical moments when a client is considering ending therapy - without crossing ethical lines or making them feel cornered. I'll discuss the power of a meaningful closing process and how it can lead to unexpected breakthroughs and deeper healing. Client retention isn't just about keeping your private practice afloat; it's about ensuring that every client gets the chance to truly benefit from therapy.So, if you're ready to challenge the status quo and embrace a more impactful way of wrapping up therapy, this episode is for you. Tune in and let's dive deep into the heart of client retention in private practice together!Topics covered in this episode: The importance of client retention in private practiceEthically navigating a client's decision to end therapy when they might still need itSharing your clinical judgment without pressuring clientsThe potential positive outcomes of a well-conducted closing process in therapyThe mutual benefits of a structured ending process for therapists and clients alikeConnect with Felicia:Get my freebie & join the email list: The Magic SheetsRaise your fee and start earning more: The Fee FormulaInstagram: @the_bad_therapistWebsite: www.thebadtherapist.coachFacebook group: Healing MoneyRelated episodes:Ethical Termination in Therapy: Ending Client Relationships with Care w/ Dr. Jen Blanchette [Ep 76]Quote:"It would be irresponsible, in my opinion, to not tell your client that you recommend that they stay in therapy."- Felicia

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: It's your place in the world; it's your life. Go on and do all you can with it, and make it the life you want to live. –Mae Jemison Gratitude: Warm rain Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're interested in launching your very own Podcast, visit FreePodcastCourse.com/ and this completely free training will teach you EVERYTHING you need to know! So visit FreePodcastCourse.com.

Welcome, Kam Redlawsk In this episode of Pushing Forward with Alycia | A Disability Podcast, Alycia welcomes Kam Redlawsk, an artist and disability advocate who brings her lived experiences with Rare Progressive Muscular Dystrophy GNE Myopathy into the spotlight through her signature “monster” character.  Kam has faced significant challenges. Despite this, she's turned to her art as a way to not only process her own journey but also advocate for the disability community. Learn more about GNE Myopathy and how Kam's character, “the monster,” has become a powerful symbol of her strength and determination. Kam's story, from her initial misdiagnoses to finally finding answers through a Google search, is deeply personal and heartwarming. Key Moments:

Brian Kramer is the executive vice president of Cars Commerce, and general manager of AccuTrade with 28 years of automotive expertise. He leads digital innovation in car sales pioneering the first paperless and Web3 transactions. He is a recipient of Automotive News Top 40 Under 40 and advises Google's Dealer Board and Quantum5 while sharing valuable industry insights. Today, Brian Kramer sheds light on the average variance in appraisals, and reveals how coaching and training can minimize these errors. Discover the significance of clear communication and analogies in explaining innovative ideas, and learn why conflict and disagreement are essential for developing better solutions. Brian recounts his journey into fixed operations, discussing the nuances of OEM vs. aftermarket parts, the necessity of asking the right questions, and the benefits of standardizing pay plans. With insights into managing recon processes, inventory, and subletting work, this episode is packed with practical tips for enhancing shop efficiency and fostering trust and transparency within dealership departments. Whether you're interested in fixed operations challenges, inventory management, or the financial impacts of various strategies, this episode offers valuable lessons and actionable advice. So, buckle up and get ready for an enlightening conversation on navigating the complexities of the automotive industry. -------------------------------------------- This show is powered by PartsEdge: Your go-to solution for transforming dealership parts inventory into a powerhouse of profitability. Their strategies are proven to amp up parts sales by a whopping 20%, all while cutting down on idle inventory. If you're looking to optimize your parts management, visit

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: It does not matter how slowly you go as long as you do not stop. –Confucius Gratitude: Random acts of kindness Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're not listening to this on your Alexa, you should be! Visit TheDailyRefresh.com and click on the word Alexa in the Nav bar for a tutorial on making The Daily Refresh one of your Flash Briefings.

In today's episode, Gina concludes her discussion of the differences between thoughts, emotions and feelings and how to use this knowledge to make progress clearing chronic anxiety. Five exercises are provided to help you explore what you are experiencing and how to change your thoughts to make better sense of it all and to find more peace and calm. Get your journals out and take notes, these exercises will take you a long way in your anxiety recovery journey! Please visit our Sponsor Page to find all the links and codes for our awesome sponsors! https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. FREE MUST-HAVE RESOURCE FOR Calming Your Anxious Mind 10-Minute Body-Scan Meditation for Anxiety Anxiety Coaches Podcast Group Coaching link ACPGroupCoaching.com To learn more, go to: Website https://www.theanxietycoachespodcast.com Join our Group Coaching Full or Mini Membership Program Learn more about our One-on-One Coaching What is anxiety? Find even more peace and calm with our Supercast premium access membership: For $5 a month, all episodes are ad-free! https://anxietycoaches.supercast.com/ Here's what's included for $5/month: ❤ New Ad-Free episodes every Sunday and Wednesday ❤ Access to the entire Ad-free back-catalog with over 600 episodes ❤ Premium meditations recorded with you in mind ❤ And more fun surprises along the way! All this in your favorite podcast app! Quote: It is not the things themselves that disturb men, but their judgments about these things." -Epictetus Chapters 0:23 Introduction to Anxiety Trio 5:13 Awareness of Thoughts, Emotions, and Feelings 10:05 Reframing Negative Thoughts 14:06 Grounding with Physical Sensations 16:10 Practicing Self-Compassion 17:52 The Power of Journaling Summary In today's episode of the Anxiety Coaches Podcast, I delve into part two of "Untangling the Anxiety Trio," focusing on the distinct interplay between thoughts, emotions, and feelings. This follow-up aims to provide you with practical exercises that can help you effectively manage and understand your anxiety. If you missed part one, I highly recommend listening to it first, as it lays the foundation for the discussions today. To start off, I introduce the concept of awareness. It's essential for anyone dealing with anxiety to develop a keen sense of awareness regarding their thoughts, emotions, and feelings. Often, we conflate these elements into a chaotic mix, dismissing their individual significance. I encourage you to pause during moments of anxiety, take a deep breath, and identify the specific thought that just crossed your mind. For instance, if the thought is "I'm not prepared for this meeting," you might notice physical sensations, such as tension in your chest, manifesting as you recognize your anxiety. Writing these observations down can help clarify and confront the anxiety head-on, making each element less overwhelming. Next, we explore the exercise of reframing our thoughts. This involves replacing negative thoughts with more balanced, realistic alternatives. When a thought like “I'm going to fail” surfaces, ask yourself if it's entirely true. More often than not, it's an exaggeration. By reframing it to something like “I've prepared for this, and I'll do my best,” you create a shift in the emotional and physiological response. This process of reframing can serve as a valuable tool to interrupt the anxiety cycle before it spirals out of control. Grounding exercises are another pivotal theme we cover. When anxiety intensifies, it can be beneficial to redirect your focus through physical sensations. I introduce the 5-4-3-2-1 grounding technique, which encourages you to identify things you can see, touch, hear, smell, and taste, assisting you in reconnecting with the present moment. By engaging with your environment and senses, you provide your mind with a break from the relentless march of anxious thoughts, often resulting in a calming effect. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Brave Enough Show, Dr. Sasha Shillcutt discusses:  How to walk through hard seasons and keep your priorities The most important question to ask yourself each day How to set boundaries around others in times of struggle How to maintain productivity when you feel like giving up Quote: “It is okay to not take on other people's burdens when you are struggling to maintain your own.” Dr. Sasha Shillcutt  Episode Links:  BE24 Conference REVIVE Retreat RISE Mastermind Follow Brave Enough:   WEBSITE | INSTAGRAM | FACEBOOK | TWITTER | LINKEDIN Join The Table, Brave Enough's community. The ONLY professional membership group that meets both the professional and personal needs of high-achieving women.

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: It is never too late to be what you might have been. –George Eliot Gratitude: Ability to learn Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If there's something unique YOU are grateful for, let me know and I'll share it on an upcoming episode. Simply visit TheDailyRefresh.com and click the word 'Gratitude e' in the Nav bar!

Nika, a young woman driven by the American dream instilled by her immigrant parents, embarks on a solo home-buying journey, armed with spreadsheets and the "How to Buy a Home" podcast. Brace yourself for a rollercoaster ride of emotions and negotiations as Nika navigates a bidding war, a challenging inspection process, and the complexities of securing a mortgage. It's a testament to the power of perseverance, community, and a little unicorn magic.Quote:"It felt like the SpongeBob Sweet Victory song... everything that I started with and then finding this podcast and being connected to my team, like all of the pieces fit together so well." - NikaHighlights:Overcoming the Odds: How did a first-generation homebuyer with no family experience navigate the complex world of real estate?Unicorn Squad to the Rescue: What role did the podcast and Nika's "unicorn" realtor and lender play in her success?Spreadsheet Savvy: Can meticulous planning and research truly lead to finding your dream home on the first day?Inspection Anxieties: What hidden challenges did Nika uncover during the inspection process, and how did she handle the negotiations?The Emotional Rollercoaster: How did Nika cope with the uncertainty and stress of a drawn-out closing process?Referenced Episodes:Episode 55: Moving from LA to PortlandEpisode 109: Bingeing the podcast and buying a home in weeksEpisode 119: Buying a home while stationed in GermanyEpisode 187: Out-of-state moveEpisode 233: Buying a home with $200k in student debtEpisode 161: Self-employed with student loan debt and still bought a homeEpisode 167: How Dave Ramsey's plan was crushing home buying dreamsEpisode 235: Finding immediate peace in the home buying processGeneral Notes:Nika's story is a powerful reminder that the dream of homeownership is attainable, even in the face of daunting challenges. It underscores the importance of:Preparation and Education: Equip yourself with knowledge about the home-buying process before jumping in.Building a Strong Team: Surround yourself with trustworthy professionals who have your best interests at heart.Leveraging Community: Tap into your network for support, advice, and even furniture deals.Perseverance and Patience: The road to homeownership can be bumpy, but don't give up on your dream.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeThis podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!Additional Insights:This episode is packed with actionable tips and real-world examples, making it valuable for anyone considering buying a home. Nika's candidness about the emotional highs and lows adds a relatable human touch to the narrative. David's emphasis on finding the right support team echoes throughout the episode, underscoring that even the most organized and prepared buyers need expert guidance.Remember:The journey to homeownership is unique for everyone. Nika's story serves as an inspiration, not a guarantee. Take the first step, educate yourself, build your team, and stay persistent. You can do this!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering "Last Lease Ever" - Start your custom 12-month action plan to replace your rent with the savings of home equity, at no cost to you. Message David NOW to assemble YOUR Unicorn team ASAP!

Episode Overview: In this episode, George and Nick dive into critical nonprofit news, including Elon Musk's legal battle with a nonprofit advertising group, the financial struggles of tech nonprofits post-pandemic, and a wave of funding cuts impacting local nonprofits. They also share updates on the digital divide and a unique initiative in Kansas to claim unclaimed property for nonprofits. Key Topics and Insights: 1. Elon Musk's Legal Battle with GARM Story: The Global Alliance for Responsible Media (GARM), a nonprofit advertising initiative, has ceased operations due to a lawsuit from Elon Musk's social media platform, X. Impact: GARM's shutdown underscores the immense legal pressures nonprofits can face, especially when challenged by well-funded entities like X. Quote: "It's a tough time to be in journalism, especially for nonprofits trying to report on things... you can weaponize the legal system to file a lawsuit against things that you feel are damaging." Reflection: This case highlights the vulnerability of nonprofits to legal intimidation and the need for financial resilience to withstand such challenges. 2. Tech Nonprofits Closing Post-Pandemic Story: Several tech-focused nonprofits, including Venture for America and Women Who Code, have shut down due to drastic revenue drops following a pandemic-induced surge. Insight: The fluctuation in funding and the inability to scale back effectively post-surge led to these closures. Quote: "There's nothing sadder than actually going out of business because of that moment of success." Reflection: The story serves as a cautionary tale about the risks of rapid, unsustainable growth and the importance of financial planning. 3. United Way Funding Cuts in Rochester Story: The United Way of Greater Rochester and Finger Lakes has drastically reduced funding, approving only $6 million out of $35 million in grant applications. Impact: Essential services like Foodlink, a local food bank, are severely affected, highlighting the ongoing challenges nonprofits face in securing steady funding. Quote: "The trickle-down effect is definitely being seen." Reflection: This scenario underscores the broader economic pressures on nonprofits and the crucial role of consistent donor support. 4. Kansas Initiative for Unclaimed Property Story: Kansas State Treasurer Steven Johnson announced a week-long initiative to help nonprofits claim over $640 million in unclaimed property. Opportunity: Nonprofits have the chance to recover forgotten bank accounts, uncashed checks, and insurance proceeds. Quote: "Don't leave money on the table... check your own stuff." Reflection: This initiative is a reminder for nonprofits to explore all potential funding sources, including unclaimed property. 5. Bridging the Digital Divide in Atlanta Story: CompuDopt is working to provide technology access to families in need, addressing the digital divide exacerbated by the pandemic. Impact: Ensuring access to laptops and Wi-Fi is crucial for educational and economic opportunities. Quote: "Technology access is becoming more and more a differentiator." Reflection: Efforts to bridge the digital divide are essential for equity and inclusion in the modern world.

In today's episode, Gina further reveals the practice of letting time pass, the fourth step in the Claire Weekes process for clearing anxiety. Letting time pass is a key component of the process that really enables the other steps in the process to work their magic. Compounded with mindfulness, acceptance, self-care and positive self-regard, letting lime pass becomes a potent antidote to the suffering anxiety disorders bring us. Listen in and complete your mastery of the four part Claire Weekes anxiety clearing process! Book mentioned in today's episode Hope and Help for Your Nerves: End Anxiety Now By Claire Weekes https://amzn.to/45T5nYx Please visit our Sponsor Page to find all the links and codes for our awesome sponsors! https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. FREE MUST-HAVE RESOURCE FOR Calming Your Anxious Mind 10-Minute Body-Scan Meditation for Anxiety Anxiety Coaches Podcast Group Coaching link ACPGroupCoaching.com To learn more, go to: Website https://www.theanxietycoachespodcast.com Join our Group Coaching Full or Mini Membership Program Learn more about our One-on-One Coaching What is anxiety? Find even more peace and calm with our Supercast premium access membership: For $5 a month, all episodes are ad-free! https://anxietycoaches.supercast.com/ Here's what's included for $5/month: ❤ New Ad-Free episodes every Sunday and Wednesday ❤ Access to the entire Ad-free back-catalog with over 600 episodes ❤ Premium meditations recorded with you in mind ❤ And more fun surprises along the way! All this in your favorite podcast app! Quote: It takes time for a body to establish acceptance and for this to bring peace, just as it takes time for fear to be established as continuous tension and anxiety. This is why letting time pass, the last of my four concepts, is so important in treatment. -Claire Weekes Chapters 0:23 Introduction to Letting Time Pass 2:32 Understanding Anxiety Reactions 4:06 Patience in Letting Time Pass 10:08 Realistic Expectations in Healing 13:19 Breaking the Cycle of Fear 16:54 Facing Triggers Gradually 17:59 Trusting the Healing Process Summary In this episode of the Anxiety Coaches Podcast, I delve into Claire Weeks' method of dealing with anxiety, specifically focusing on the concept of letting time pass. This approach emphasizes recognizing anxiety symptoms as a normal response rather than a sign of something being wrong. By acknowledging the body's natural fight or flight response to stress and reassuring oneself that these sensations are not harmful, individuals can begin to reframe their thoughts and reduce the intensity of anxious feelings. I highlight the importance of understanding the physiological aspects of anxiety and staying educated about what is happening in the body. By practicing self-compassion, acceptance, and patience, individuals can navigate through anxiety and gradually ease their way out of it. I stress the significance of setting realistic expectations and reminding oneself that immediate relief is not always possible. Moreover, I discuss the value of mindfulness techniques, guided meditations, and self-care activities in staying centered and grounded during anxious moments. I encourage listeners to observe their anxiety without judgment, acknowledge their feelings without resistance, and trust the healing process. By gradually exposing oneself to triggers without reacting with fear, individuals can desensitize their nervous system and build confidence in managing their anxiety effectively. Additionally, I suggest using positive affirmations, tracking progress in a journal, and celebrating small achievements along the way. By following Claire Weeks' method and allowing time for the body and mind to heal naturally, listeners can strive towards a more peaceful and fulfilling life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's Flash Back Friday episode is from #495 that originally aired on Oct. 3 2022. Ash Patel has been a full-time Commercial Real Estate Investor for over 10 years. He is a value add investor and his experience runs the gamut from retail, warehouse, office, industrial, land, mixed-use, medical, and restaurants just to name a few. From vacant buildings to net lease properties, the consistent theme is extraordinarily high returns. He is a hands-on property manager and has never used a property management company.     Quote:  It really just comes down to basic math. Dive into the numbers and see what the potential returns could be.  Highlights:   5:40: How to gain expertise and experience when working with multiple asset classes 08:15: Finding good commercial deals in an unfamiliar market 11:00: Making your due diligence easier 13:55: Finding financing when you're asset class agnostic or working in new markets 17:00: Navigating volatile rates in the current market 19:00: Finding opportunities when you're working in a variety of markets and asset classes 21:00: Resources for finding commercial listings 23:25: Asset classes Ash is avoiding right now and what opportunities he's seeking out 27:15: How banks are approaching lending opportunities with offices 28:20: The future of mall properties Guest Website: https://www.linkedin.com/in/ash-patel-95b1a25/     Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast. Learn more about Kevin's investment company and opportunities for Lifetime Cashflow at sunrisecapitalinvestors.com.

In today's episode, Gina discusses the fourth step in Claire Weekes' anxiety recovery protocol: letting time pass. Having patience in the anxiety recovery process is an important component in allowing the healing process to occur. This episode will help you to understand the importance of trusting the process and how to succeed in letting time pass, even after long periods of suffering on the edge of anxiety. Please visit our Sponsor Page to find all the links and codes for our awesome sponsors! https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. FREE MUST-HAVE RESOURCE FOR Calming Your Anxious Mind 10-Minute Body-Scan Meditation for Anxiety Anxiety Coaches Podcast Group Coaching link ACPGroupCoaching.com To learn more, go to: Website https://www.theanxietycoachespodcast.com Join our Group Coaching Full or Mini Membership Program Learn more about our One-on-One Coaching What is anxiety? Find even more peace and calm with our Supercast premium access membership: For $5 a month, all episodes are ad-free! https://anxietycoaches.supercast.com/ Here's what's included for $5/month: ❤ New Ad-Free episodes every Sunday and Wednesday ❤ Access to the entire Ad-free back-catalog with over 600 episodes ❤ Premium meditations recorded with you in mind ❤ And more fun surprises along the way! All this in your favorite podcast app! Quote: It is not easy to face, accept and let time pass. It is especially difficult to let time pass, because you may already have let so much time pass in suffering and despair that asking you to let more time pass may seem an impossible demand. It is difficult but necessary. -Dr Claire Weekes Chapters 0:23 Introduction 3:52 Allowing Time for Healing 7:44 Trusting the Process 12:45 Managing Expectations 15:53 Building Confidence 19:06 Conclusion Summary In this episode of the Anxiety Coaches Podcast, Gina Ryan discusses the concept of "Let Time Pass" as part of Dr. Claire Weeks' approach to overcoming anxiety. Gina explains that anxiety sufferers often struggle with the idea of waiting and allowing time to heal, as anxiety is characterized by a sense of urgency and discomfort. Dr. Weeks emphasized the importance of understanding that anxiety symptoms, while distressing, are not dangerous and are the body's natural response to perceived threats. Gina delves into the idea of acceptance and not adding additional fear or resistance to anxiety symptoms. By allowing time to pass without fighting or escaping from anxiety, individuals can break the cycle of fear and gradually return to a state of calm. She highlights the significance of trusting the healing process and being patient with oneself, as recovery from anxiety is a gradual journey that requires consistent practice. Moreover, Gina touches on the mindfulness practices that encourage individuals to observe their feelings and bodily sensations without trying to change or avoid them. She emphasizes that immediate relief from anxiety is unrealistic and that lasting improvement comes from consistent application of acceptance and understanding over time. By repeatedly facing and accepting anxiety without adding fear, individuals can build confidence in their ability to handle it and ultimately reduce anxiety's power over them. Gina concludes by reiterating Dr. Weeks' message of having faith in the body and mind's capacity to heal and achieve lasting relief from anxiety. She encourages listeners to implement the principles of facing, accepting, floating, and letting time pass in their daily lives, reinforcing the commitment to the recovery process. In the next episode, Gina will delve into practical strategies on how to integrate letting time pass into one's life. Learn more about your ad choices. Visit megaphone.fm/adchoices

SERIES 2 EPISODE 169: COUNTDOWN WITH KEITH OLBERMANN A-Block (1:44) SPECIAL COMMENT: Trump is full of shit. Nothing about the gag order precludes him from testimony. What caused him to change his mind and suddenly announce no, he's not testifying after all, is sheer naked fear. He heard the Smoking Gun tape of himself and Michael Cohen mapping out how to pay hush money to his girlfriend before the election, and he crapped himself.  I'll play the tape and you'll see. The last thing you do after THAT tape is played, is talk. In a fitting metaphor, on Trump's pants are so on fire about why he's too scared to testify, that his post-court photo op was at a New York Fire Department Station. He also mocked reporting about how he's been falling asleep in court and then 90 minutes later, he fell asleep in court - again. MEANWHILE: We are in such an unprecedented place in this country's history that if Trump were now to pick Kristi Noem as his running mate and announce they were going to campaign on a platform of puppy killing, the cult would do it. He's not likely to try it. But then did you really think that Noem's response to her self-defenestration would be to double down and claim the dog she murdered was far more evil than she let on and was a threat to her children. By next week she'll be claiming Cricket had clamped her vicious jaws around her daughter's neck. Or that she was holding Noem's kids hostage.​ And by the way, she may have no other choice than to double down and claim she is the real victim here, because there is emerging evidence that the story of Kristi Noem luring the dog into a gravel pit and shooting it in the face because it was randomly attacking other animals and posed a threat of some kind​ that might be a COVER STORY. As America's hatred washed over her, she laid low – until Wednesday. That's when she went on with Sean Hannity and resumed trying to get people to buy the book, and buy her story. But her story has now changed. Cricket was no puppy. She was a working dog – and 14 months old. That Cricket was untrained wasn't HER fault. Quote: “It was a dog that was extremely dangerous. It had come to us from a family who found her way too aggressive. We were her second chance. The day she was put down was a day that she massacred livestock.​.. (Livestock? Chickens. But of course killing animals is just a first step – and then you're Ted Bundy​)...“that were part of our neighbors. She attacked me. And it was a hard decision.” That was Wednesday night. By ​y​esterday afternoon on social media, Noem saw an out. “I had a choice between the safety of my children and an animal who had a history of attacking people and killing livestock. I chose my kids.” So. She's already changed the story. Was the version in the book also changed? Was the murder worse? Was the timeline of who saw it different? Could Noem have shot the dog as her family watched? B-Block (19:47) SPECIAL COMMENT: I am largely agnostic on the issues, and having taken part in student protests against Vietnam and racism in the 7th Grade in 19-freaking-70 I'm in favor of them at any time. But what's happening on campuses today is NOT 1970 revisited. It's not on the level of Black Lives Matter. The arrests aren't unprecedented, the right to protest isn't being destroyed, and the students might want to recognize that their decisions are simply increasing the chances that everything they want will NOT happen, culminating in a Trump presidency in which they or their successors will be detained by the Army or shot on sight or both. C-Block (28:05) FRIDAYS WITH THURBER: Thurber's mother was down with the whole occult stuff. Him? He barely delved. But this is another week where we need a pure silly story and he produced one when he went into the worlds of supernatural (and German dialects). "The Black Magic of Barney Haller."See omnystudio.com/listener for privacy information.