Podcasts about really is

How to ACTUALLY LIVE like your body REALLY IS the Temple of His Holy Spirit!

Yes, it REALLY IS the 666th episode of this series! Did you know that The Exorcist was based on a true story? It was and an expert on the original case, John Waide, joins us to share the fact behind the fiction. In part two, journalist Andrew Gold joins us to talk about his documentary on an exorcist and his research on UFOs. You can find Andrew's documentary on exorcism HERE Thanks John and Andrew! –BABBEL– Babbel is the best way to learn a language! With Babbel you can choose from 14 different choices, including, Spanish, French, Italian, and German. Right now, Babbel is offering our listeners three months free with a purchase of a three month subscription with promo code Jim  Go to Babbel.com and use promo code Jim to get in on that great deal!

"Consider it pure joy, my brothers and sisters, whenever you face trials of many kinds." (James 1:2) Really? Is that even possible? Let's see what James means by these words.

Today is a TOTW day where was have a shorter episode about just one random thought I have had. And Nashville is threatening to (and probably will) retroactively enforce a 33% property tax increase on its people. I am one of those people and it made me think of taxes, thuggery and the company store. KickstartHollerRoast.com New perk: JUST A MUG for $30! Direct Download Let’s talk about how we want to evolve as a society shall we? How we think things could be?  I imagine a world where the “human nature” approach of bonking someone over the head with a club to steal food, their spouse or children, gold, or clothing from them is not acceptable. Where we are free trade, to give, to help, to feel, to be.  What do you envision? Because right now, we still find it ok to steal food, children, money and life from people in the interest of serving the greater good. What does the greater good even mean? This definition gets so twisted. As if clubbing someone over the head is ever in service of the greater good anyway… How can it be good if the only way to get there is via pillage and thuggery? It makes me think of the Company Store approach in mining towns. Workers had to buy their housing, food, supplies and health care from the corporation they worked for. Full stop. What could possibly go wrong? Plenty. Plenty went wrong. By establishing this dependency on one source for basic needs and extending store credit from time to time, these mining operations established a legal form of slavery. The overpriced goods, underpaid employees and if you pushed back, they sent their thugs to beat you. And slavery is bad is it not?  Why then is it any different to demand payment from people at the cost of their property, their personal freedom, their lives if the do not pay? Why is it ok for anyone to keep part of my labor and work? Why can they take my children if I do not pay and put them in a system with a long history of sexual and physical abuse? Why do we allow this to happen? Some people think I am crazy for thinking of taxes this way, but that is what they are. People are extorted for money in order that it can be used to pay for things like an education system that is failing our children, social services rife with abuse, medical services that can fail the individual with a one size fits none approach, and yes. The roads. They extort money for the roads. No opt out. Fines, loss of property, jail time and loss of your children if you do not pay. How is it not thuggery to get money in this way? How is it not slavery that you do not keep what you earn to spend as you will? How is it not thuggery to take my money and force me to finance your foreign wars? Your ripping apart of families through the drug war?  People will answer that I signed a social contract to live in the US — I have to pay to live her. I signed no contract. People will answer that it has to be because if we did not force everyone to pay for some things, people will use drugs, die on the street, never fix the roads and children will stop learning. To which I ask – really? Is that really what will happen if we move away from a forced-taxation system? Are you sure?  What if instead of fighting with me about defining taxation as thuggery, you put your creative energies toward something a bit more creative? Like ask yourself this: How can we care for people in our society without a taxation structure? How can we build and maintain roads without enslaving people? How can we do this a different way? Just because we do not do it this way right now does not mean it cannot be done and really the core issue that seems to get in the way of truly solving this question is envy and greed. Not what you may think of in this regard though. It is the greed of some who have less than they wish they had wanting to force those who have more to use it toward this end. Meaning those who wish they had more want to force those who do to spend their money in a way the person who has it may not wish to spend it.   They have more so they should spend more. Really? Is that any of your damn business? You have no right to tell other people what to do with their labor, their capitol.  You have no right to send armed men to their homes to arrest them just because they earn more than you and you think they need to give more than the do, do you? Well, some people think that they do have this right> the right to force people to pay, to steal from them, to harm them if they do not comply. And the tricky thing is that they frame it in humanitarian terms. But stealing from Michelle to help Amanda isn’t a moral act. Helping Amanda is a moral act. And we seem to have forgotten the difference. We’ve talked a bunch about prioritizing the will of the masses over the rights of the individual — a practice that ends in abuse of the many individuals that make up the collective in the best of cases. Taxation is just a fancy word for piracy and thuggery. A way to make you feel good when your labor is stolen to support things you may or may not agree with.  Let’s work to do better than this — to envision a world where we answer this question: How can we care for people in our community without pillaging everyone? How can we care for people without greedily judging your neighbors and coveting what they have accomplished? How can we care for people in our communities with compassion rather than through enslavement?  That is the world i want to see and that I know we can build. Make it a great week! GUYS! Don’t forget about the cookbook, Cook With What You Have by Nicole Sauce and Mama Sauce. It makes a great Christmas Gift! Advisory Board The Booze Whisperer The Tactical Redneck Chef Brett Samantha the Savings Ninja Resources Membership Sign Up Mewe Group: https://mewe.com/join/lftn Facebook Group: Facebook.com/groups/lftncoffeebreak/ Instagram: @nicolesauce Twitter: @nicolesauce

We can tell from the opening verses of Job 20 that Zophar has been affected by what he heard Job say in the previous chapter (Job 19). So now we hear the second and last of Zophar’s speeches, only this time he gives a sermon on the Judgement of the wicked. As you go through Zophar’s sermon you’ll notice a lot of generalisations concerning the kinds of things that befall the wicked. But we have to stop him every once in a while and ask, “Really? Is that always the case?” Zophar seems to think that swift judgement always comes upon the wicked, and assumes that Job is under God’s judgement. But the big question then has got to be – ‘Why then is Job’s “judgement” lingering on so long?’ And another question would be, ‘So is it only the wicked who experience misfortunes in life?’ Zophar clearly has missed something, and perhaps a quote from Hab.3:2 would have helped. There we read, “O LORD, I have heard your speech and was afraid; O LORD, revive Your work in the midst of the years! In the midst of the years make it known, in wrath remember mercy.” We are taught in the New Testament that God will be Merciful on whomever He will have mercy, and that He will have compassion on whomever He will have compassion (Rom.9:15). We certainly shouldn’t presume that we will find mercy (See 2 Tim.2:25), because the ability to repent is something that only God can grant. There is true and false repentance, as seen in the cases of Esau and Judas Iscariot (Heb.12:16-17; Matt.27:3), and the believers at Corinth (2 Cor.7:10-11). And the natural man, the unregenerate, and without the Holy Spirit in his life – can do nothing that is pleasing to God, such as even coming to genuine... Read More The post Job 20 – That “Something” Missing! appeared first on Living Rock Church.

Today is a TOTW day where was have a shorter episode about just one random thought I have had. And Nashville is threatening to (and probably will) retroactively enforce a 33% property tax increase on its people. I am one of those people and it made me think of taxes, thuggery and the company store. KickstartHollerRoast.com New perk: JUST A MUG for $30! DirectDownload Let’s talk about how we want to evolve as a society shall we? How we think things could be?  I imagine a world where the “human nature” approach of bonking someone over the head with a club to steal food, their spouse or children, gold, or clothing from them is not acceptable. Where we are free trade, to give, to help, to feel, to be.  What do you envision? Because right now, we still find it ok to steal food, children, money and life from people in the interest of serving the greater good. What does the greater good even mean? This definition gets so twisted. As if clubbing someone over the head is ever in service of the greater good anyway… How can it be good if the only way to get there is via pillage and thuggery? It makes me think of the Company Store approach in mining towns. Workers had to buy their housing, food, supplies and health care from the corporation they worked for. Full stop. What could possibly go wrong? Plenty. Plenty went wrong. By establishing this dependency on one source for basic needs and extending store credit from time to time, these mining operations established a legal form of slavery. The overpriced goods, underpaid employees and if you pushed back, they sent their thugs to beat you. And slavery is bad is it not?  Why then is it any different to demand payment from people at the cost of their property, their personal freedom, their lives if the do not pay? Why is it ok for anyone to keep part of my labor and work? Why can they take my children if I do not pay and put them in a system with a long history of sexual and physical abuse? Why do we allow this to happen? Some people think I am crazy for thinking of taxes this way, but that is what they are. People are extorted for money in order that it can be used to pay for things like an education system that is failing our children, social services rife with abuse, medical services that can fail the individual with a one size fits none approach, and yes. The roads. They extort money for the roads. No opt out. Fines, loss of property, jail time and loss of your children if you do not pay. How is it not thuggery to get money in this way? How is it not slavery that you do not keep what you earn to spend as you will? How is it not thuggery to take my money and force me to finance your foreign wars? Your ripping apart of families through the drug war?  People will answer that I signed a social contract to live in the US -- I have to pay to live her. I signed no contract. People will answer that it has to be because if we did not force everyone to pay for some things, people will use drugs, die on the street, never fix the roads and children will stop learning. To which I ask - really? Is that really what will happen if we move away from a forced-taxation system? Are you sure?  What if instead of fighting with me about defining taxation as thuggery, you put your creative energies toward something a bit more creative? Like ask yourself this: How can we care for people in our society without a taxation structure? How can we build and maintain roads without enslaving people? How can we do this a different way? Just because we do not do it this way right now does not mean it cannot be done and really the core issue that seems to get in the way of truly solving this question is envy and greed. Not what you may think of in this regard though. It is the greed of some who have less than they wish they had wanting to force those who have more to use it toward this end. Meaning those who wish they had more want to force those who do to spend their money in a way the person who has it may not wish to spend it.   They have more so they should spend more. Really? Is that any of your damn business? You have no right to tell other people what to do with their labor, their capitol.  You have no right to send armed men to their homes to arrest them just because they earn more than you and you think they need to give more than the do, do you? Well, some people think that they do have this right> the right to force people to pay, to steal from them, to harm them if they do not comply. And the tricky thing is that they frame it in humanitarian terms. But stealing from Michelle to help Amanda isn’t a moral act. Helping Amanda is a moral act. And we seem to have forgotten the difference. We’ve talked a bunch about prioritizing the will of the masses over the rights of the individual -- a practice that ends in abuse of the many individuals that make up the collective in the best of cases. Taxation is just a fancy word for piracy and thuggery. A way to make you feel good when your labor is stolen to support things you may or may not agree with.  Let’s work to do better than this -- to envision a world where we answer this question: How can we care for people in our community without pillaging everyone? How can we care for people without greedily judging your neighbors and coveting what they have accomplished? How can we care for people in our communities with compassion rather than through enslavement?  That is the world i want to see and that I know we can build. Make it a great week! GUYS! Don’t forget about the cookbook, Cook With What You Have by Nicole Sauce and Mama Sauce. It makes a great Christmas Gift! Advisory Board The Booze Whisperer The Tactical Redneck Chef Brett Samantha the Savings Ninja Resources Membership Sign Up Mewe Group: https://mewe.com/join/lftn Facebook Group: Facebook.com/groups/lftncoffeebreak/ Instagram: @nicolesauce Twitter: @nicolesauce  

Proverbs In 365 Devotions For more go to braggingonjesus.com Proverbs 28:23 Whoever rebukes a man will afterward find more favor than he who flatters with his tongue. 24 Whoever robs his father or his mother and says, “That is no transgression,” is a companion to a man who destroys. 25 A greedy man stirs up strife, but the one who trusts in the Lord will be enriched. 26 Whoever trusts in his own mind is a fool, but he who walks in wisdom will be delivered. 27 Whoever gives to the poor will not want, but he who hides his eyes will get many a curse. 28 When the wicked rise, people hide themselves, but when they perish, the righteous increase. In our last session, we considered a faithful man verses a man who hastens after riches and we looked at how his worship of money caused him to be an unfaithful man. Today Solomon floods us with a blitz of reasons not to be that wicked stingy unfaithful man who is only out for himself… These passages seem to me to serve as a kind of review for the whole chapter in some ways… I don’t know if Solomon wrote these all in one setting or if the Scribes organized the proverbs in this fashion but… hey it works well. So in todays verses, as Solomon talks about the wicked rising to leadership roles and being greedy… having apathy towards the poor, not honoring their parents and trusting their own hearts over God… And even as he gives the positive to the negative telling us about the benefits of trusting the Lord… something else stands out strong. It’s in the first verse of the passage. 23 Whoever rebukes a man will afterward find more favor than he who flatters with his tongue. You know... we live in an age where it is politically correct to give a false definition to the term “tolerant”. “Tolerant” does not mean to be a faint hearted paper tiger and hide truth in a sock in your bottom drawer or sweep it under the rug when company comes like it is dirt. Look… all this wickedness Solomon speaks of needs to be addressed and as early as possible before hearts become hardened. But it has to be addressed in love and I think as believers it is imperative that we do this correctly to our brothers and sisters in Christ. As I said, it needs to be done in love. In my life I’ve seen three ways believers respond to wickedness in the Church. * One is by not reaching out in love… not serving with humility the one who is going astray… instead; keeping our mouth shut and doing nothing. And some times the whole church is being led in a way that is unscriptural and believers do not stand up for the Gospel or good theology and we just let the church fall into the lap of satan himself. * If there is a small fire in your house it is not good to ignore it …is it?… and a big fire… do your best and call the fire department. Look, we are to leave no brother or sister behind. We are our brothers keeper. * Another way we respond to a pattern of sin in a believer is to start right out by rebuking him publicly not with humility but with a prideful super Christian I’m better than thou attitude. Really? Is that Christian in any way shape or form? We probably all know someone who has left the church because someone who has rebuked them in an unloving prideful way. This could be the arrogant man in verse 26 who trust in his own mind and is a fool. And it may even be the wicked man in verse 28 who when he comes to power every one hides from. I’ve seen this wrong way of rebuking in the Church and I don’t even want to repeat what I heard or how bad it was. * Thirdly, I’ve seen what Solomon says in verse 23. That is... instead of flattering someone who is walking in sin... rebuking them with a heart of humility. Those who see how sin brings destruction while Jesus brings satisfaction... Those who turn from rejoicing in sin to delighting Jesus as the greatest treasure in the Universe will look to the one who rebuked them as the one who reminded them of Jesus. They will look to you with favor. Pray

Video: What On Earth Is Happening - Episode #236 Date: 2020-08-23 Topics: Questions & Clarifications Part 5, ARK 2.0 is finally here, WOEIH is transitioning its material off YouTube and onto LBRY, People in the Truth Movement should de-monetize their YouTube channels and stop taking YouTube's BLOOD MONEY, Most humans don't want to rock the boat and so they will never tell others around them that they are immoral people, the Unloved and Loveless pathetic excuses for human beings who work for Big Tech and the Mainstream Media, Human Beings are enslaving themselves by complying, Freemasonic lodges are largely corrupted and no longer in tune with the teachings of true esoteric Freemasonry, Transitioning properly to Plant-Based Nutrition, Every human being can eat a plant-based diet, When injections become mandatory WAR must begin, Kingship Rulership Government are all euphemisms for SLAVERY, Courage grows out of high-level Knowledge, the Q-Anon Psyop, Trump is not a savior, Turn the other cheek does NOT mean "Do not resist" but instead to keep giving the Truth to those who need to receive it, Are super right-brain people who have fallen for Religious programming dead or redeemable?, Morgellons disease is possibly a nano-tech bio-weapon, If you get offended at being told you're not doing enough, just put your name through a search engine and look at how much work you've released publicly, Go back and listen through all the WOEIH episodes from Episode 1, Intrinsic Value and what it REALLY IS, Humanity is entering a period of abject Slavery, Review of the Triune Brain Complexes, People are not truly receiving the message to get involved and take action, Mark probably taking a hiatus from live broadcasting, Those who complain or nitpick should ask: "What the fuck have YOU done?" Related Images: Download (zip archive)

Welcome to another episode of the Ignite Your Mind podcast A safe place for real talk on discovering powerful stories, talking about mental health, real business journeys and hearing inspiring stories. My names Sanjay Patel and I'm a transformational life coach. And this week I have another, special guest that is Fiona Graham. Fiona's story inspired the hell out of me and it got quite emotional in parts! She talks me through her journey of being at her lowest point and attempting to take her own life, the reasons why and then the miracle steps she took to TAKE ACTION to transform her life! If there is one thing I NOW know about Fiona is that she has learned so much about herself and who she REALLY IS! And now moving forward what she really wants! I will advise that this conversation will inspire the hell out of you, as well as take you on a emotional journey as it did me! I hope you enjoy. Sanjay

We’ve  been sharing a series on how to reset your life. This current situation in which we live is the perfect time to hit the reset button, to clear the decks and start again and get back to basics. Sometimes we are forced to do this as a hard reset, where we face devestation and pain and loss to reset our lives, but right now we can do a soft reset, not back to factory default settings but by making a conscious choice to reset important values in our lives.   ACTIONS REFLECT PRIORITIES   Surprised to see an empty seat at the football grand final, a diehard fan remarked about it to a man sitting nearby. “It was my wife’s,” the man explained, “But she died.” “Oh! I’m very sorry to hear that,” said the man. “Yet I’m really surprised that another relative, or friend, didn’t jump at the chance to take the seat reserved for her.” “Beats me,” he said. “They all insisted on going to the funeral.”   One of the key things for me in this pandemic is resetting priorities. Our expose our, and our priorities expose our values. We might say something is important, but our priorities expose the truth as to whether it is truly that important to us.   Ephesians 5:15-16 (ESV Strong's) Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.   Truly we have seen that days are evil right now with this pandemic. We are not sailing along blissfully ignorant in our contented, brain numbed stupor, suddenly we have to reset what is truly important in our lives, and this reset must be reflected in our actions.   WHAT PRIORITIES WERE BEFORE   Just a few months ago, our priorities were so different. As Christians, we might claim to want to serve Jesus, but we spent much of our time living, working, investing, getting friends, getting things, getting money, getting ahead in life.  We were comfortable, but we were complaining and confused about what really is important in life.   Then came the corona virus, and everything was turned in its head. Many of us lost jobs, incomes and businesses, we all lost freedom as we knew it before, can’t touch, can’t hug, can’t stand closer than 1.5 metres, and toilet paper suddenly became a precious commodity.   Our priorities, which reflect our values and what’s really important to us, have changed.  This is our opportunity to reset them. Jesus spoke about this…   Luke 12:15-21 (ESV Strong's) And he said to them, “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” And he told them a parable, saying, “The land of a rich man produced plentifully, and he thought to himself, ‘What shall I do, for I have nowhere to store my crops?’ And he said, ‘I will do this: I will tear down my barns and build larger ones, and there I will store all my grain and my goods. And I will say to my soul, “Soul, you have ample goods laid up for many years; relax, eat, drink, be merry.”’ But God said to him, ‘Fool! This night your soul is required of you, and the things you have prepared, whose will they be?’ So is the one who lays up treasure for himself and is not rich toward God.”   WHAT PRIORITIES CAN BE   Priorities reflect values, and we have before us a golden opportunity to reset our values, to reset what is truly important in life.   I was in a store this week and lent on a counter top, and the sales assistant nearly had kittens! The climate of fear is alive and well for the general population out there. She wouldn’t  even let me touch the eftpos machine to put my pin in for fear I might infect the keypad.   But our priorities can reflect something greater than this climate of fear.   Psalms 91:9-11 (ESV Strong's) Because you have made the LORD your dwelling place— the Most High, who is my refuge— no evil shall be allowed to befall you, no plague come near your tent. For he will command his angels concerning you to guard you in all your ways.   We can have values and confidence that others don’t!   For years our priorities have been pushed and pulled and squeezed into the mould the world dictates to us, but today we have the chance to reset them.   WHAT FORMS YOUR PRIORITIES?   Every person has their own priorities and values in life. Our values set our priorities. It determines where you spend your effort and time. We pick up our values basically from what we are constantly exposed to – like our childhood experiences, our family upbringing, our education, our friends, our neighbourhood, our workplace environment, TV, the media, etc.   But at the end of the day it is we who choose and decide the source of our values.   Job 34:4 (ESV Strong's) Let us choose what is right; let us know among ourselves what is good.   Every one of us are at different stages of life, and accordingly our priorities and values are different. What was important at age 15 is not the same as age 40 or age 70. We have to sift through and decide what’s number 1 in importance, then number 2 and so on.   So how are you going to decide what is really important & what is not? Well, the key here is how long is this important thing going to last in your life? If your priority is going to last for eternity, then it is really important. If it is going to last 60 years, that’s still pretty important. If it is going to last a few minutes or days, that’s shouldn’t be prioritised in the s a me way.   WHAT ARE THE WORLD’S PRIORITIES?   The world is trying to influence your priorities, to squeeze you into its mould.   Romans 12:2 (ESV Strong's) Do not be conformed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect.   Here’s some things the world would tell you to prioritise…   1.      PLEASURE   The world tells us that our pleasure, doing what we want, is our divine right. The whole entertainment industry is build around our pleasures. Advertising is about stimulating and satisfying our pleasures. People often say, God wants us to have a happy life, so if sin makes me happy, if sex and drugs and booze and video games please me, then God must be ok with it.   That is simply not true. Last week we saw God is really ok with holiness, but not ok with your sin. So much so, He died to win you back from the consequences of your sin. Moses was described like this,   Hebrews 11:24-25 (ESV Strong's) By faith Moses, when he was grown up, refused to be called the son of Pharaoh's daughter, choosing rather to be mistreated with the people of God than to enjoy the fleeting pleasures of sin.   Sin is pleasurable, otherwise no one would do it! But we must not prioritise sin over holiness, our fleeting pleasure over standing for what is right.   There are consequences for everything we do and say.   Galatians 6:7-8 (ESV Strong's) Do not be deceived: God is not mocked, for whatever one sows, that will he also reap. For the one who sows to his own flesh will from the flesh reap corruption, but the one who sows to the Spirit will from the Spirit reap eternal life.   There are consequences for everything we do and say. Solomon observed this…   Ecclesiastes 2:10-11 (ESV Strong's) And whatever my eyes desired I did not keep from them. I kept my heart from no pleasure, for my heart found pleasure in all my toil, and this was my reward for all my toil. Then I considered all that my hands had done and the toil I had expended in doing it, and behold, all was vanity and a striving after wind, and there was nothing to be gained under the sun.   The world says prioritise your own pleasure, but it is foolish vanity. It’s time to reset it.   2.      POSSESSIONS   Another thing the world says is a priority is possessions, getting stuff. We have to have the best, the latest, the coolest. We don’t repair things any more, we toss them and get the new model. Those darned socks never get darned any more!   1 Timothy 6:7-10 (ESV Strong's) for we brought nothing into the world, and we cannot take anything out of the world. But if we have food and clothing, with these we will be content. But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils.   Pursuing money and possessions might seem important in this life, and we all do it, but ultimately you are on a never stopping treadmill. Even if you win the rat race, you’re still a rat!   Ecclesiastes 5:10 (ESV Strong's) He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity.   2 boys watching a funeral procession, and one asks whose funeral it was. The other said, why it’s the local millionaire. Really, said the first bit, how much did he leave. The other boy replied, all of it. Shrouds don’t have pockets!   3.      POWER AND PRESTIGE   We all want influence, we all want popularity, for people to love us, but again, this is a fleeting, vane pursuit.   Jesus tells the parable of the rich man and Lazarus in Luke 16, showing us that the rich influential successful man finishes in hell for eternity. His wealth, power and influence meant nothing in eternity.   Mark 10:31 (ESV Strong's) But many who are first will be last, and the last first.   You can pursue and prioritise being popular, gaining influence and power here on earth, but ultimately in God’s economy it will be worthless!   Let’s talk about HOW TO RESET YOUR PRIORITIES   This Corona virus pandemic is our chance to soft reset our priorities in life. Remember, a soft reset is a choice to change with minimal pain, not a hard reset which results in devastating pain and loss. COVID 19 is a great time to reset our priorities… and our perspectives…   Charles Francis Adams, son of President John Quincy Adams and grandson of President John Adams, kept a diary. One day he entered: “Went fishing with my son today—a day wasted.”   His son, Brook Adams, also kept a diary, which is still in existence. On that same day, Brook Adams made this entry: “Went fishing with my father—the most wonderful day of my life!” The father thought he was wasting time while fishing with his son, but his son saw it as an investment of time. It was a difference in priorities and values.   The only way to tell the difference between wasting and investing is to know one’s ultimate purpose in life and to prioritise accordingly.   So here are some steps towards resetting your priorities in this moment…   1.      CHOOSE THE SOURCE OF YOUR VALUES   Destiny is not something that randomly happens to you, it is a series of choices. Make bad choices, you mess up your destiny. Make wise choices, God unroll the most incredible destiny for your life. It’s all your choice!   So the first step is to decide to see life from God’s perspective, and make His Word the source of your values, and basis of your priorities. Your choice…   2 Corinthians 4:18 (ESV Strong's) as we look not to the things that are seen but to the things that are unseen. For the things that are seen are transient, but the things that are unseen are eternal.   So decide first to choose life, choose God’s way, God’s perspective, God’s priorities.   2.      TURN AWAY FROM THE WORLD’S VALUES   1 John 2:15-17 (ESV Strong's) Do not love the world or the things in the world. If anyone loves the world, the love of the Father is not in him. For all that is in the world—the desires of the flesh and the desires of the eyes and pride of life—is not from the Father but is from the world. And the world is passing away along with its desires, but whoever does the will of God abides forever.   The world is constantly trying to conform you into its image, what it wants from you, and what it thinks you should want from life.   Psalms 119:37 Turn my eyes away from worthless things; preserve my life according to your word.   ‘Turn my eyes away from worthless things’ would be a good verse to put on your TV set or computer screens.   3.      WEIGH THE CONSEQUENCES   As you determine your priorities, a great thing to do is to step back and get a wide angle rather than a telescopic view. You can then clearly see and weigh the consequences of your priorities.   Galatians 6:7 (ESV Strong's) Do not be deceived: God is not mocked, for whatever one sows, that will he also reap.   Let’s look at a few examples of consequences. Having an affair for example. A few moments pleasure, a small amount of time sampling forbidden fruit. Weight that up against losing your wife, your children, your friends, your ministry, half of your fortune, most of your self respect.   Stopping coming to church. You get to sleep in. Maybe catch up with a friend. But you lose spiritual connection with God, the ministry He has for you, the destiny He has for you. Eternal consequences in exchange for a sleep in.   MAKE THE CHOICE TO RESET YOUR PRIORITIES   Having done this, all that remains is a simple choice… I choose to realign my priorities with God. I choose life, God’s life, God’s priorities!   Deuteronomy 30:19 (ESV Strong's) I call heaven and earth to witness against you today, that I have set before you life and death, blessing and curse. Therefore choose life, that you and your offspring may live,   Don’t walk away, don’t turn this recording off without making a decision. To delay, to think about it later, is a decision to choose your own way, not God’s.   WHERE IS YOUR TREASURE?   Our priorities reveal what we value or treasure. Much of what the world prioritises is really dross or rubbish in eternity.   Don’t tell me Jesus is most important if you spend your whole life pursuing money. Don’t tell me you love your family if you have affairs and destroy it. Don’t tell me God is number 1 in your life if you never open His Word or pray. Our actions reflect our priorities, and right now we have the chance to reset those priorities and get them right, for now, for the future even for eternity!   Matthew 6:19-21 (ESV Strong's) “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.   If you treasure something you will prioritise it. We concentrate on what we treasure.   IT’S TIME TO RESET YOUR PRIORITIES   Luke 16:15 (ESV Strong's) God knows your hearts. For what is exalted among men is an abomination in the sight of God.   So what is really important to us?  Let me list some priorities most if us would agree on.     My first priority is God, because God and God’s work will take me all the way into eternity. The second in my case is my family. The third in my case is church, and after that is work, finances, the home and so on. You can work your own priorities.   But right now is the opportunity it reset our priorities and get them right for the long run, for all of our lives and into eternity. And as we reset, we must ensure that our actions reflect what we say are our priorities, and we need to give more time to what is really important. This is not about asking you to make a mental ascent, we need a total change in lifestyle.   IT’S TIME TO RESET YOUR LIFESTYLE   This pandemic is your golden opportunity to reset your lifestyle. You can change your lifestyle according to your priorities, and what is the most important should get your maximum time while what is the least important should get your least time, otherwise you are going no where.   If I ask you is God important to you? Everyone will say yes to this. Then do you schedule time to be with God? Do you read his word? “Well, no pastor, I’m so busy, I can’t.” Do you give God’s work at least 10% of your income? “No, I need that for myself.” Do you spend time in the Word? Do you spend time praying, talking to God, developing a relationship with Him? “No, I am much to busy to do any of that.” You see, we say one thing but we do something else.   If your family is really important for you then you should think about spending more time with your spouse and children.   If your health is really important then how much time do you exercise, do you eat right?   Is financial security important for you? Everybody will say yes. Are you a materialistic person? Oh, no! I’m not a materialistic person at all.” Really? Is your debt load getting deeper & deeper? Are you buying things that you can’t afford? Do you have credit card charges that you can’t pay? Are you saving money? “No, I spend it all,” you say.   You see we all want a changed outcome but we do not want a changed lifestyle. As we reset priorities, we need to change our lifestyle! So as we finish, if you’re really serious about changing your lifestyle, here’s 3 areas that you are going to have to work on.   Work on your schedule. Is your schedule consistent with what you say is important? Do you prioritise time for the things you say are really important, or are you spending time on things that you say aren’t important? You’re going to have to reevaluate your schedule.   Work on your budget. “Am I spending the most money on the things that are really important, or am I spending the most money on things that I think are not important, on things that only last for a brief period of time? Are you tithing.   Work on your Responsibilities. “Am I spending my time and effort with the responsibilities of my life or am I spending all my time being involved with things that aren’t that important to me?”   Ephesians 4:17-20 (ESV Strong's) Now this I say and testify in the Lord, that you must no longer walk as the Gentiles do, in the futility of their minds. They are darkened in their understanding, alienated from the life of God because of the ignorance that is in them, due to their hardness of heart. They have become callous and have given themselves up to sensuality, greedy to practice every kind of impurity. But that is not the way you learned Christ!—   This opportunity to reset our priorities means we must stop living like worldly people whose thinking is futile and values and priorities are misplaced. Understand what is important, put first things first, and change your lifestyle.   So, what is priority 1,2 and 3 in your life right now? I want you to pray with me and reset your priorities to a God’s priorities.   Matthew 6:33 (ESV Strong's) But seek first the kingdom of God and his righteousness, and all these things will be added to you.

How are you? Really? Is this whole pandemic causing you stress? Anxiety? Loneliness? Is your depression worse? It may be normal to feel exhausted and a number of other things in these strange and unsettling times, but it doesn't make it easy. Or healthy. In this podcast episode we talk with a man who says his feelings and emotions are on the surface more than ever.

How's your sanity? You good! Really? Is that so? With everything going on in the world. Say it ain't so......Let's talk about it

Today I talk about what codependency REALLY IS! I just recently learned the true definition, and it CHANGED EVERYTHING for me. Are you codependent? I discuss some of the signs of codependency, and what actually creates codependent adults. I'm Fine IG: https://www.instagram.com/theimfinepodcast/

Want to learn to jam like your favorite rock and metal guitarists? Check out this kick ass offer from our friends at JamPlay: jamplayholiday.loulombardimusic.com Like what we do? Show us how much we mean to you by supporting our Patreon Page. Just $5/month would be a HUGE help, plus you get some cool perks! Check it out here: https://www.patreon.com/loulombardi  Check out the podcast here  https://youtu.be/WkCW2V8FPXo I know that we have said it before but this REALLY IS the heavy rock shoot out for the ages.... Black Sabbath vs Led Zeppelin! On today's show we will let you know... Who rocked harder? Who was more influential? Who had the better riffs? Who were the better song writers?Topics Covered:Sabbath listening to Led Zeppelin IILight & shade vs all shadeGreater rangeSabbath's jazz foundationslongest careerline up changesproduction inconsistenciesFeatured Loudini Artists: Chip & the Charge Ups Black Laurel Reign of Z Lou Lombardi  

THE TRUTH ABOUT STREET MAGIC!Creator/Performer Sean Scott joins us from Las Vegas to chat about his creative process AND what street magic REALLY IS!WATCH IT HERE!YouTube: https://youtu.be/73sNLGvjz5wFacebook: https://www.facebook.com/537664619614631/videos/185615399387078/

On the latest edition of the C100 Mornings podcast we dive into these topics: At the risk of sounding like an infomercial, these 3 things will make you 400% more likely to reach your goals. Gwyneth Paltrow’s newest candle on Goop smells like what? Really? Is there a reason why he doesn’t want her to sleep-over after a night of passion? A C100 listener wants to hear the truth. You may be doing something that most people think is rude. Wouldn’t you like to know what it is? And stop putting a period at the end of your text sentences. Turns out that’s rude too. Thanks for checking in with us and tune in to JC, Peter, and Erin (in for Melody Rose) weekday mornings on C100.

Who are you? Really? Is there a difference between the version of you that goes to the bar and the version of you that sits at home. Have people made assumptions about who you are you? This episode is all about misconceptions as we talk about misconceptions of myself, as well as why we judge people before having all the facts. We get deep in this one, so strap in. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/jordan-york/support

It's important that you walk into your new season knowing who you are. The enemy has been studying you a long time and he is hoping you don't get it right this time around. I dare you to grab hold to the word of God that says all things are possible with God and then live life like you believe it is, because it REALLY IS! My motto is Never Give up on your Life. Never Give up on your Dreams & Never Give on God. My signature or tagline is "Smile It's Contagious!"

All you can say for the democratic party is that did as little as possible on the impeachment process and got it over with. The Republicans are saying the democrats did a half-ass job as they prepare to do a half-ass job in the Senate. Really? Is that okay with Americans that both sides are doing a half-ass job? --- Send in a voice message: https://anchor.fm/wileyfoxes/message

Halloween? Really? Some of you are say, "Why are we even discussing this pagan holiday?" Others of you are saying, "Really? Is that even that big of a deal?" Well, maybe that's exactly why you need to listen.

"Ask and it WILL be given to you; seek and you WILL find; knock and the door WILL be opened to you." Matthew 7:7. Really? Is this how anyone's prayer life works? What in the world was Jesus talking about? This is a troubling verse, unless Jesus was talking about something else.

Microsoft MVP Program: What it Really Is, Changes, and What to Look Forward To with Purvin Patel Full show notes available here https://www.nz365guy.com/97

Build a website in just 5 days (even if you're not techie) at www.free5daywebsitechallenge.com Already have a website? Take the Free "Jumpstart Your Website Traffic" marketing mini-course at www.jumpstartyourwebsitetraffic.com Leave a Review! My guest today is Alex Nerney of CreateandGo.com. In 2016, after side hustling on their blog for about a year, Alex and his girlfriend Lauren McManus decided to go all in on themselves. They sold everything they owned, quit their full time jobs, and moved in with Alex’s dad in Seattle and became full time bloggers. So when I heard about Create and Go, I was on Alex and Lauren’s website, reading their story on their about page, which by the way, guys, is a really good story and I’ll link up that page in the show notes, there were two things that really stood out to me and made me want to invite them on the show: The first thing was this quote from the story: “We were blessed and plenty thankful for what we had, but there was one feeling we couldn’t escape. Is this really it? Really… Is this really IT??? Yeah, getting drunk on the weekends when you’re young is fun and who doesn’t love going to the movies for the bajillionth time in your life, but we couldn’t escape the feeling there had to be more to life than this.” And if you guys have listened to this podcast for awhile, you know that the exact same thing happened to me when I was sitting at my desk at my day job one day, this feeling of dread just washed over me and I was like, “Is this IT? Is this really all there is?” And so I felt an instant connection to their story. The second thing that stood to me (aside from the fact that Alex and Lauren grew their online business to over $100,000 a month - yes, a month - over the course of span of 2 years) is that they share in detail on their About page every single failure and misstep along the way. So I’m gonna stop here and let Alex tell you the full story in our interview, but what I really want you to take away from this interview is that you gotta try a lot of different things, you gotta make mistakes and learn from them and try something new, and just never stop because you eventually will find your way, just like Alex and Lauren did. So in today’s episode, we’re talking about: How Alex and Lauren quit their day jobs and went all in to run their health and wellness blog full time How Alex and Lauren leveraged Pinterest to gain traffic to their blog What content does best on Pinterest What common themes Alex sees that separates the people that become successful from the ones who flop The exact steps they took to monetize their first blog, Avocadu.com How Alex and Lauren build trust with their audience by marketing towards deeper values The importance of being honest with your audience Alex’s advice for starting a YouTube channel Alex’s belief that he had to change about himself My favorite quotes from Alex: “If people are telling you that you work too hard, you are probably on the right track.” “You have to give up things that are good for something greater.” “Growth in anything requires an obnoxious amount of effort.” “If you feel like you are a hard worker but you are wondering why you are spinning your wheels, these are solutions for you. These are real solutions that literally just take a hustler’s mindset and stickability.” Links mentioned in this episode: About Alex and Lauren Digital Marketer.com https://createandgo.com/ https://createandgo.com/how-to-start-a-blog/ https://createandgo.com/how-to-make-money-blogging/ https://courses.createandgo.com/p/launch-your-blog Bio: Alex is the founder of Create and Go, an online blog that teaches others how to start a blog and eventually make money blogging. Alex and his partner Lauren quit their jobs, sold almost everything they owned and went all-in blogging. Within their first year, they made $103,000 blogging. By year three, they are currently making over $100,000 per month online! And the best thing is Alex and his partner Lauren live their life completely on their terms! Facebook: https://www.facebook.com/createandgo.co/ YouTube: https://www.youtube.com/channel/UCOkrld1FHoM_VMMjaeMekug

Who are you? Really? Is your self-image helping you or holding you back? Your self-image is like a cybernetic instrument. It keeps you on your vision of what you want your path to be. In order to really have the confidence you need to succeed, you must have a great self-image. You must be happy with who you really are. If you aren't your successes will be short lived. Start by evaluating yourself and taking inventory of your self-image. Are you the same person on the outside that you see on the inside? Keep your thoughts on target with your goals and dreams and do not let others tamper with them at all. Stay on your defined path towards your goal and let no one derail you. Please check out http://bepositivepodcast.com for more information. Please leave a review and subscribe on iTunes. https://itunes.apple.com/us/podcast/be-positive-stay-positive/id1351156701?mt=2 Get your Stay Positive apparel and accessories: https://teespring.com/stores/stay-positive-4 Listen on Spotify: https://open.spotify.com/show/6JgCXL1PAdWui1bvQdKD0Y Listen on TuneIn Radio: https://tunein.com/podcasts/Philosophy-Podcasts/Be-Positive-p1205533/?topicId=129375245 Also on Stitcher: https://www.stitcher.com/podcast/nat-barouch/stay-positive?refid=stpr

How many times have you heard someone--maybe on TV--say, "Oh, we're just going through a rough patch." Really? Is it? Or, is it abuse? It's SO important to know the difference, and that's what today's episode sets out to make very clear: the difference.Here's how Dictionary.com defines abuse:to use wrongly or improperlymisuseabuse one's authoritytreat in a harmful, injurious, or offensive wayto speak insultingly, harshly, and unjustly to or aboutmalignto commit sexual assault uponharshly or coarsely insulting languagebad or improper treatmentOK...big difference from a supposed "rough patch," right?There's no getting away from it. When someone treats you in a degrading, mean, discounting, or dismissive way, it's abuse!If you don't have strong boundaries that you express and maintain, you'll turn yourself into a pretzel, and end up being a doormat. You don't want that for a moment longer, right? That's why you need to see this clearly right now, whether it is happening to you or to someone you care about.HIGHLIGHTS OF TODAY'S EPISODE:Why you mustn't dismiss "bad behavior"Clear outlines of what emotional abuse and verbal abuse areWhy it is essential to express and maintain boundaries in outing abuseWhy you must never allow someone to diminish your sense of identity, dignity, or self-worthExamples of what #Hijackal abusers do that you need to recognize for what it is.#Hijackals, finances, and financial abuseI hope this help you see that more clearly. If you need help with this, I'm here for you.Let's talk soon. I can help. Schedule an initial hour consultation HERE for only $97.I hope this empowers you to make positive changes NOW.Talk soon.RhobertaRhoberta Shaler, PhD,The Relationship Help DoctorForRelationshipHelp.comP.S. Subscribe to my newsletter, Tips for Relationships, HERE.WANT THE PRIVACY AND SAFETY OF MY SUPPORT & GROWTH GROUPS AWAY FROM FACEBOOK?You can have that, and:access to my Optimize Circlesmy 21 Steps to Empowered Emotional Savvy programmonthly "Ask Me Anything" callsat least monthly insightful webinarYou can get most of this right now for the price of one latte a month!ForRelationshipHelp.com/CirclesCONNECT WITH DR. RHOBERTA SHALER:Website: TransformingRelationship.comPodcasts: RelationshipHelpNetwork.comFacebook: RelationshipHelpDoctorTwitter: Twitter.com/RhobertaShalerLinkedIn: LinkedIn.com/in/RhobertaShalerInstagram: Instagram.com/DrRhobertaShalerPinterest: Pinterest.com/TheRelationshipHelpDoctorYou can also listen to the last 32 episodes of Save Your Sanity on Mental Health News Radio Network. That's a great place to get in-depth insights for shoring up mental and emotional health of all kinds.#Hijackals #toxicpeople #verbalabuse #emotionalabuse #RhobertaShaler #narcissists #borderlines #antisocial #difficultpeople #toxicrelationships #manipulativepeople #walkingoneggshells #mentalhealth #emotionalhealth #abuse #narcissisticabuse #boundaries #personalitydisorders #MHNRNetwork #identifyingabuse #callitabuse See acast.com/privacy for privacy and opt-out information.

Biblical Conspiracies & Free Choice A Deeper Understanding of the Ten Plagues (Recorded live at the Intown Jewish Academy on January 2, 2019) In this session of Torah Studies we look at Biblical conspiracy theories, ancient Egyptian scrolls, free choice, and the ten plagues. What was the purpose of the plagues? Why did G-d harden Pharaoh's heart? And if G-d was hardening his heart, why was Pharaoh warned about the plagues? Learn the amazing answers to these questions and more! We all know the story of the Jews in Egypt: bone-crushing slavery for hundreds of years. What caused this terrible catastrophe? Was it perhaps because they were habitual idolaters? Nope. After a kerfuffle with two bickering Jews, Moses declares that slander, above all, was the root cause of suffering. Really? Is it that bad? Ride the train of Jewish nationhood to discover why, yes, it is really that bad.

The Underpinnings of a Nation Why Slander Is Enemy Number One (Recorded live at the Intown Jewish Academy on December 26, 2018) We all know the story of the Jews in Egypt: bone-crushing slavery for hundreds of years. What caused this terrible catastrophe? Was it perhaps because they were habitual idolaters? Nope. After a kerfuffle with two bickering Jews, Moses declares that slander, above all, was the root cause of suffering. Really? Is it that bad? Ride the train of Jewish nationhood to discover why, yes, it is really that bad.

Feminism. What's it all about REALLY? Is it a vindictive plot to emasculate the male population with snide comments and the wiggling of little fingers? Is it an attempt for them all to gain access to our bathrooms so they can ogle us when we drop our trousers and underwear to our ankles when we wee in a urinal? Or is it, as Steve McQueen asserts in Widows, his latest movie, women having to clear up after men have made lots of mistakes? As a man who is currently on a 32-year hot streak of making mistakes, I have to say I'm not too upset if that last one is true. Starring Viola Davis, Elizabeth Debicki and Michelle Rodriguez, and co-written by Gone Girl author Gillian Flynn, Widows tells the story of a group of women forced to pull of a heist to steal the money to cover the debts their criminal husbands died with. Joining me to discuss this is the clearer of the bulk of my mistakes, Tiffany B. That's right, a woman on a podcast! Welcome to the future, fellas! Listen and love!

Yes it REALLY IS possible to have the perfect ending in a divorce and a partnership! In this show we give you easy to use communication tools, ideas and simple ways to stick to the facts and stay out of the flames that want to burn you!This show is broadcast live on every day at 6PM PT on K4HD - Hollywood Talk Radio (www.k4hd.com ) part of Talk 4 Radio (http://www.talk4radio.com/) on the Talk 4 Media Network (http://www.talk4media.com/)

Presented on 12/2/2018 at Curwensville Alliance by Pastor Steve Shields Have you ever glimpsed yourself in a mirror as you walk by and think, “Is that how I look? Really? Is that how I REALLY look?” We’ve all experienced that. Looking at your reflection can give you a surprise. When Paul is talking to the … Continue reading "From Overwhelmed to Overjoyed :: Reflections at Advent"

We all want more listeners. We feel we have tried everything (have we?) and one option that all the "big" shows seem to have in common is they are part of a Podcast Network. Many of these require large amounts of download that your show may not achieve. You may be thinking of starting your own Podcast Network. I've interviewed some friends of mine recently (and some over the years) about their networks and assembled all that information into this episode. If creating a podcast network is not for you (it is a lot of work) you may be thinking that joining a network is a better choice. I share some things you might consider before joining. Sponsor: Focusrite I got to play with a Focusrite 2i2 and if you are looking for an easy to get your microphone into your computer (and have the option to have a co-host as well) without having to look at a TON of knobs, check out the Focusrite 2i2. As I'm on a PC, I downloaded a driver, plugged in the unit, and was ready to record. If you're on a Mac computer, you just plug it in. If you want a backup copy of your recording, plug a cable into the monitor out and send the signal to your portable recorder. It's built like a tank and is a lovely shade of red. Check out the interface selector tool that helps you pick the right model for you at their website.   Podcast Network Interviews: Glen Hebbert - Horse Radio Network Daniel J Lewis - Noodle.mx Network Mignon Fogarty - Quick and Dirty Tips  Christopher Brian Jones - Trek.fm Stephen Jondrew - Gonna Geek Chris Nesi - Education Podcast Network So You Want to Start Your Own Podcast Network 5:10 You need to be able to answer the question, "Why do you want to start a podcast" There are two type of networks. One is run as a business, and the other is focused more on cross-promotion (or a mixture of both). 14: 40 A network where the shows are around a single niche (Horses, hiking, dancing, education, microbrews, etc) are easier to monetize, easier to optimize on the web. Naming your network should be obvious. A cryptic name will slow the growth of your network. 16:17 Create two logos (square and rectangle) and keep it simple. Make sure it looks good small, or huge. Don't make the logo yourself unless you're a designer. Check out podcastdesigns.com (tell them the School of Podcasting sent you) and there are other services like Kappa 99, 99 Designs, where many artists create your artwork and you select the best. I recently used Kappa99 for my Six Shooter podcast and used their "one time jobs"  (under the More menu) to have my artwork done for $49. 20: 40 Define what your podcast network's purpose is. Define what your network will do for the members of the network. 23:00 How to add a show to your network. Start off with a general show, and then expand out and niche out. Have your criteria in place to help you decide if a podcast fits. For example, Daniel J Lewis only wants clean shows on his network. 26:58 How to add hosts to your network. Glenn and Christopher audition their hosts by bringing them on the podcasts as a guest. Most hosts don't want to work with a brand new show as you are not bringing anything to the network ( they are looking for a win-win situation). 34:15 Create a contract between the network and the hosts. This defines what is expected, how people get paid, what will get you fired, and every other situation you can think of that may happen.  By having these (at times) awkward conversations you avoid really awkward conversations in the future. When people know what will happen if they want to leave, they can plan accordingly, and expectations are set, and you can go through that situation without sacrificing the personal relationship because the business relationship didn't work. 40:36 Paying hosts a percentage of the advertisement (in some cases based on downloads) is a nightmare you want to avoid. Glenn pays his hosts a flat rate. Daniel also bills primarily using a flate rate. 43:26 Glenn has it in his contract that he can edit a show if they say something offensive that does not fit the network's brand. 44:33 Another way to pay the hosts is through a profit sharing program which allows them to keep a larger amount of advertisements that they bring to the network. 46:50 The more shows you add, the more work is involved chasing advertisers, doing paperwork, editing shows. 48:30 If you have too diverse a set of shows, you won't be able to sell ads across your entire network. 50:30 How do you handle the website? Does each show have its own website? Are all the shows under one website? Who is in charge of updating it and managing the backend? 54:54 The positive side of having a network for building community, focusing efforts, and having sponsors that keep coming back. 57:55 Harnessing the power of your audience. 59:45 The benefit to the podcast listener 1:02:38 A Network can be as simple as a page that shows all of your podcasts (such as powerofpodcasting.com ) 1:03:51 The Bolden theme from Second Line themes is built for a network. Marcus Couch of the Bulls Podcast uses it for his new Bulls network see http://Bulls.fm He used the WP-all import plugin and has it automatically pulling in everyone’s show by checking the feeds every hour automated. Should I Join a Podcast Network? 01:04:07 Here are Some Things to Consider When Pondering Joining a Podcast Network: Is your show a good fit. In the same way that if you want to be a guest on a show YOU NEED TO DO SOME HOMEWORK Are they taking submissions Do you have to change media hosts? You might lose your stats... Do you have to redirect your feed? Can you take your feed with you... Find someone on the network and ask them about before and after numbers? Ask them for the details if you bring a sponsor of your own. Is part of the bonus an advertisement rotated on the site? Really? Is the platform built on a non-free service? Does being on a network help? When cross-promotion is done right sure. I know personally, I've heard or pre-rolls on other shows and never been inspired to check them out. If the host says something that proves they listen, and gives it a stamp of approval, I might. Conclusion: Podcast networks that are run like a business are a lot of work When all of the shows are of the same niche, it helps the network grow faster and may be easier to monetize Get all the details, all the scenarios in writing takes some planning, and strategic thinking for the future, but can save you headaches down the line. If your goal is sponsorship, you better brush up on your selling skills. Don't create your own logo unless you are a graphic designer. Make sure you have a good fit if you are bringing on a new host, or joining a new network. Mentioned in This Podcast If this Then That Divi Wordpress Theme/Plugin Bolden Wordpress Podcast Network Theme Focusrite 2i2 see their Website Ready To Podcast? Join the School of Podcasting and get access to: Step by Step tutorials from idea to iTunes Private Facebook Group Live group coaching Priority email support (you are never alone Join The School of Podcasting Today or work with me and let me be your podcast mentor

I am starting to hear a lot of women say, "I am a strong and independent woman and I don't need a man". Really? Is that what we are doing now? Do women feel that they can do it all and don't need a man in their life? Let's have the conversation. Join me tonight at 10pm. Men call in with your perspective on this topic: (516) 418-5389. Be sure to follow to stay up to date of the future shows. Also, tonight will be my very first contest. Be sure to join in to find out how you can win.

 “Is Your Relationship XXX Or Triple Zeros” What happens when sex, intimacy and romance are no longer part of the equation? #JoinTheConversation as we welcome Michella Collins, of Unforgettable Pleasures LLC, and we explore the reasons intimacy suffers, and the ways you can get it back!  What causes couples to stop having sex and losing intimacyHow important is sex, Really?Is losing intimacy killing your relationshipWhat can you do to relight that flame in the bedroom   We know you don’t want to miss this exciting show. Call us with your questions, experience or tips at 657-383-1155, phone lines open at 10:15pm. You can also tweet us @gft_radio and let your voice be heard!  

After meeting with a few clients over the last couple of days, the idea that humans have an innate fear of the unknown--especially in matters of the heart and purpose....kept coming up in the individual sessions. What you are about to hear- is something I wrote a few years ago. I felt it necessary to bring it to light, again. When we're able to rest in the truth of 'everything REALLY IS going to be alright'... it gets easier to pull up those gentle reminders: I trust God with me, so why not trust God's process with me? Love. #MindYourPurpose

Pastor Bruce Garner // I’m always pretty fired up about teaching the Bible - but I’m REALLY excited to revisit the wise, wonderful Proverbs in a second look at a series we are calling “WISDUMB.” You see, the biblical proverbs put you at a crossroads and let you observe life as it REALLY IS. Then you’re invited to make a choice. The choice will either be wise… or dumb. Like you, I’ve done both! This week, we will dive into Proverbs 3 - one of the most quoted (and perhaps abused) passages in the whole Bible. Before we’re done, we will see what 3,000 year old proverbs have to tell us about angry people and the frenetic world of social media. Yes, it’s all in there! Invite a friend! We’ll be in Proverbs leading up to Easter and for a few week later, too. Save yourself some pain and get some extra joy by taking the time to gain wisdom through this amazing book!

Relayer featuring Patrick Moraz Produced by Robert Nasir, Jeffrey Crecelius, Wayne Hall, Preston Frazier and Bill Govier. No singles were released from Tales From Topographic Oceans - unless you know differently...so we have skipped right along to Relayer and its single, Soon which had an edit of Sound Chaser on the B side. We also discuss Cruise to the Edge and there's plenty of other news as well. What does Soon sound like, ripped out of its rightful place in Gates of Delirium? Sound Chaser as a B side? Really? Is there anything else which could have been released? Listen to the episode then let us know what you think! Become a YMP Patron! If you would like to support the Yes Music Podcast, there is a Patreon page where you can sign up. The iOS and Android YMP apps are no longer available unless you have an old version still on your device. https://www.youtube.com/watch?v=6c9wzpu58WQ https://www.youtube.com/watch?v=kOP6ltRT25I https://www.youtube.com/watch?v=1yfkLa8Mx_s&feature=share https://www.youtube.com/watch?v=jp7KlCYWjro Show notes and links   Get your Yes 50th Anniversary free pass here Join the 50th Anniversary Facebook group here YMP patrons: Robert Nasir | Jeffrey Crecelius | Preston Frazier | Bill Govier | Wayne Hall | ... Joseph Cottrell | Michael O'Connor | Paul Tomei | Geoffrey Mason | Lobate Scarp | Fergus Cubbage | Steve Dill | Steve Scott ... Paul Wilson | Jamie McQuinn | Miguel Falcão | Ken Fuller | David Pannell | Brian Sullivan | Joost Doesburg | Jeremy North | Tim Stannard | David Watkinson | Steve Roehr | Geoff Baillie | William Hayes | Terence Sadler | Neal Kaforey | Simon Barrow | ... Robert Please subscribe! If you are still listening to the podcast on the website, please consider subscribing so you don’t risk missing anything. You can subscribe with an RSS reader, with iTunes, with the iOS Podcasts app, via email updates, via www.stitcher.com on Spreaker.com or via Tunein.com. Theme music The music I use is the last movement of Stravinsky's Firebird Suite. This has been used as introduction music at many Yes concerts. My theme music is not take from a live concert - I put it together from the following two creative commons sources: thanvannispen and archive.org

Coming Undone With The Tenacious Minx Radio Show with Rhonda Burns Am I the only one who's worn my "too-muchness" like a scarlet letter on my chest? Hanging heads, hiding out invisibly in shame for fear of  more of that label hurled at us?  How much have you been accused of being "Too....much, loud, intense, carefree, happy, etc." Too much, too much, too much - UGH! How much have you bought that judgment and that projection hook, line and sinker and then allowed it to work against you? What if our "wrongness" REALLY IS our "strongness"? Let's look at this and truly get to the place of eliminating all the limitations and truly embracing the brilliance of our "too-muchness". Welcome to COMING UNDONE with the TENACIOUS MINX. It's all about coming undone from conditioning, poor modeling and bogus beliefs to come alive and truly thrive. Together, we learn, explore, transform, laugh, play and show up greater, so that we can remind not only ourselves of our greatest potential & possibilities, but to invite others to know it for themselves as well. Be sure to grab your FREE gift from Rhonda on her website: http://www.tenaciousminx.com/. The Quick 6 Phrases you definitely need to remove from your vocabulary right away! And if you haven't signed up for your Scientific Hand Analysis, be sure to click the link to place your order! If you're ready to have a Clarity Consultation Session with Rhonda to help you with that "thing" that you're ready to change - for good - in a coaching relationship, be sure to apply today. You'll be so glad you did. Simply visit here to get started now: https://goo.gl/forms/57qc3HznB0qZGmTQ2 Take the Tenacious Minx with you wherever you go! Be sure to subscribe to iTunes and on the Podcast app (iPhone) to never miss an episode! You can also subscribe to Rhonda's YouTube page by clicking that link. To get more of Coming Undone with the Tenacious Minx, Rhonda Burns, be sure to visit the archives page for replays of all her shows here: https://www.inspiredchoicesnetwork.com/podcast/coming-undone-with-the-tenacious-minx/

Yes it REALLY IS possible to have the perfect ending in a divorce and a partnership! In this show we give you easy to use communication tools, ideas and simple ways to stick to the facts and stay out of the flames that want to burn you!This show is broadcast live on Tuesday's at 8PM ET on W4WN Radio – The Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (http://www.talk4radio.com/) on the Talk 4 Media Network (http://www.talk4media.com/).

1DimitriRadio talk show is simulcast (simul-streamed™). Live 9am ET weekdays from the intersection of Freedom & Fun™ The LifePedigree.com studio To listen: BlogTalk Radio http://www.blogtalkradio.com/1dimitriradio To watch: Facebook Live https://www.facebook.com/dimitri.vassilaros Comment on Facebook Live and call the show! 213-943-3733 Dimitri’s Opening Monologue The Pittsburgh Steelers are unpatriotic for hiding in the locker room Sunday during the playing of the National Anthem. I will be doing my show while kneeling to show my support for the NFL players who were protesting, um ... something-or-other, I think. Whatever.  Is this really all Donald Trump’s fault? Really? Is the NFL (National Felon League) finally disintegrating right in front of our eyes?

- Slug Club member Cullen joins the show - We discuss the latest Fantastic Beasts filming news - We're headed to the circus! - Circus Arcanus: Museum of Human Oddities will play a key role in Fantastic Beasts 2 - Our thoughts on the film taking place in NYC, Paris and London - How will Grindelwald break out of prison? Who will aid in his escape? - Will he hide out with the circus before it departs for Europe? Will he rally the circus wizards to his cause? Could he attack the circus since it's a public event? - Why is Albus Dumbledore joining this fight so early? It's still roughly 20 years before he "defeats" him. - Who are these new characters: Grimmson, Yusuf Kama, Skender? - Theseus is confirmed with Credence, Leta and Abernathy returning! Abernathy?!? Really? - Is there a connection between Newt and Grindelwald much like Harry and Voldemort? - Will J.K. Rowling reveal big news in her upcoming interview with CNN? - Make The Connection - We'll be at MuggleNet Live this September in Orlando!

Right Body For You with Donnielle Carter  Radio Show One of the major ways we go about changing our bodies is to watch, monitor and gauge our eating habits. It’s also one of the ways we most judge us and our bodies by. In addition to the judgment that all brings up my question is, “Who designed the acceptable eating behaviors? Where did we agree to it?” 2 tacos instead of 4 and 1 is better. Really? Is the loophole that you have 1 taco but it’s really BIG? What else is possible when we don’t agree to these unseen assignments? Join Donnielle Carter this week as she explores the energetic tools that assist you in stopping the patterns and habits with your body that keep you stuck. www.donnielle.com www.donniellecarter.accessconsciousness.com www.facebook.com/RightBodyForYouRadioShow

  PPR 122: Nervous Retirees Not Spending Money Airing Date: May 22, 2017 Airing Time: 44 minutes Podcast Description: Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Personal Pension Radio show is focused on helping you pack your bags for both halves of the retirement journey. Kraig’s mission is help you build & protect your wealth and lifestyle today and generationally. Optimizing Retirement income does not happen with a product.  Mutual funds, life insurance, real estate, or annuities by themselves will not help you optimize your retirement income. You must have an integrated approach. Full Transcription: Kraig: Alright, back on Personal Pension Radio. Thank you so much. I actually realized how excited I was about this episode about the time I hit that mic button and volume level spiked up on my mixing program over here. I really appreciate it when listeners and especially clients who are listeners found me on the podcast that are now clients when they actually send me homework, homework that I can use for my podcast that is coming up and you will see that or hear that in just a moment. So you are on Personal Pension Radio, yes I am the income engineer, broadcasting from the Personal Pension Radio studio workshop here in Southern California, those of you know me here locally and maybe it is on Facebook, I am recovering from one of those Personal Pension Radio workshop inquiries that are always just a tons of fun when you do something that is YouTube worthy that I forgot to have my camera running, it would have been a hilarious fail. So, if you have not been to Personal Pension Radio, check it out, that is where all the back episodes are, show notes and such, you can also find us on of course iTunes as the easiest way to find the show down cloud and so forth but Personalpensionradio.com if you have not checked it out, if you are missing something, if you have got a question about something an episode you can not find, please just go ahead and reach out to me, email me, you could contact me actually through the website at personal pension radio but a lot of folks have actually been reaching out to me on LinkedIn. So go to LinkedIn and you find Kraig with a K Strom, you will find me right there on LinkedIn, if you search my name on google, you will find me for about 5 or 6 pages so you can learn everything you might want to know about the income engineer. Now, let us jump right in because I have got you might imagine, I have got a lot to say but I want to make sure just a quick reminder what this show is about, what my mission in life is. As a certified financial planning professional, I am very comprehensive in the way that I look at individuals in their financial planning and their financial life in general. This show is really focused in on an area of the financial world that gets very little attention from the Wall Street educational machine that Wall Street marketing machine and that area is retirement income, the idea of actually pulling lifestyle and income and enjoyment from all this hard work and savings and investment, etc, etc. That is so rarely spoken of and I guess I would say it this way, spoken of in a way that would cause someone who really look forward to it, this idea of lifestyle in income often comes with sacrifice catch your income expectations, maybe you can live on less, those kinds of sad, disappointing conversation. My mission in life is to help you go after the optimized retirement income. Go after maximum lifestyle, maximum retirement income but it does not happen, this is the key, this is where Wall Street and I deviate. It does not happen with investment, it does not happen with life insurance or Roth IRAs or 401Ks, real estate or annuities, it does not happen with any of those things by themselves, none of those things by themselves will help you maximize your retirement income, you have got to have an actual plan, a strategy that integrates the best of all of these things, for example, life insurance, real estate, investments, annuities, all of these things working together in a strategically designed income plan, you can absolutely go after maximum retirement income but not a lot of plan. I really want to make sure that if you have not already done so, talk to your financial advisor or I just recently met a listener, we met on a go to meeting and he is in another state, he is out there in New Mexico and he actually found me through iTunes and through the podcast and he had in fact done this, this thing that I have encouraged people to do, numbers of you have actually gone out and done it. Ask what your retirement income number is under the current system that you are working under, under this current retirement expectation that you are working under, find out what your retirement income number is, go to the retirement nest egg calculator that Vanguard puts out, type in your numbers, find out what your retirement income number expectation might be and then remember I said this, I am here to keep you hope for retirement, if you run your numbers on one of those retirement income calculators and you think 'well, that is an okay number I can live on that, that is good'. I would ask you to think a little differently like, wow! Is it possible to have more? Or could I have more without adding more risk? That is the question I want you to ask and if your number from that retirement income calculator or from your financial planner comes back like 'Oh! is that all I get? Really? Is that the retirement income I have to look forward to? Ugh!'. I want you to know that I am here to turn the light back on at the end of the retirement tunnel, you just have to be willing to stop following the conventional Wall Street advice. Because conventional wisdom has not worked, it is just completely failed this generation trying to retire with the dream of that retirement Nell kind of fading away and reality setting in, I want to help you, I want to help you actually build and protect your wealth and make sure that you have a system ready to enjoy maximum lifestyle, maximum income in retirement. Now, before we move past it, I always like to remember quick, short disclosure before the long one at the end, I am not an Attorney, I am not a CPA, I am certified financial planner professional. But with that said, please do not act on things that you hear on my show as if it was advised for you, this show was meant to be informational, not actionable for you and your specific situation, I really also encourage you, please do not act on things that you hear from financial entertainers, financial entertainers would be people like Dave Ramsey for example that have no financial licensing, they have no government over sight to make sure that they are giving good solid information. Please meet with a qualified financial advisor. I am not shy, I want that financial advisor to be me, I worked with folks all across the country, thanks to technology, the world is very small nowadays, we can basically have a face to face conversation and you could be in Tennessee as I say that because I just recently started working with someone in Tennessee and I can be here in California, the world is very small. So please meet with a qualified financial advisor before you start acting on anything and I would encourage you if it is not me, please go look for a certified financial planning professional that is someone where he or she worked really hard to be able to get and maintain that designation. Now, the first segment of my show is called Watch Your Step. I am actually going to lump this into segment 2 which is client and listener questions or stories because one of my clients and actually a previously a listener still listening, thank you so much, Josh actually shared an article from Bloomberg that I am going to cover today, I want to just review it, and just give you my thoughts on it but those of you who are listening today and you did not catch it last week, last week on the last episode, I share this story of some friends of mine who are learning a very expensive mistake having listen to Dave Ramsey for advice on Real estate and they had paid off the house 4 years ago and basically credited Dave Ramsey's philosophy for having done so and now admit that they can realize now that they have made a big mistake if you want to listen to that, go back and listen to the previous episode, I have got a lot of feedback on that. Now, this week, thank you again Josh who sent me this article that the article title from Bloomberg which retirees are hoarding cash out of fear while younger generations get poorer, older Americans seem to spend it all. I will have a link in the show notes that the show notes do not get up soon enough for you and you want it quicker just contact me on LinkedIn or Personalpensionradio.com, you can find me that way and send me an email and I will send you a link to the article. Takes a long time sometimes for me to get these show notes up and approve and all that kind of stuff but now, the title which retirees are hoarding cash out of fear. Now, I want to dissect that a little bit because I also want you to stop and please consider the source, I actually spent the day with a High School, in a High School classroom last week it was my annual visit to the local High School graduating seniors for the AP Economics and Math classes, I have a friend in my Rotary who invites me in just a have an open conversation with the graduating seniors on financial matters and financial discussion and I spend a good deal of time with them this year helping them consider the source and what I mean by that is that you got to look at where the information or the information bias is coming from. So first of all Bloomberg is a big Wall Street firm and Wall Street controls the marketing message, remember who controls the education system that teaches financial planners how to teach you the general the public how to retire in such, right? So just remember that the Wall Street machine is exactly that same machine that finances Bloomberg.com and Bloomberg whatever and Bloomberg has its own money making machine as a corporation for sure but remember who advertises, who controls the first strings for most of the average advertising for Wall Street firms like Bloomberg. Wall Street, right? Wall Street spends billions and billions of dollars a year on advertising, they are the big advertising dog in the yard, right? So just consider the source. Now, rich retirees hoarding cash, I pick it a part a bit right in the beginning whose counting them as rich, right? Rich retirees hoarding cash, well, could also be said that there is a lot of rich retirees that are just spending cash like crazy, so what are they calling rich? I did not get a whole lot out of it as far as what they are calling rich, what is the net worth that they are talking about because I have met some folks that would be considered on to the classic definition of rich and they are not hoarding cash, they are spending money travel and enjoying life like crazy. Now granted they might be spending money at a pace that is not running them out of money because they just happen to have a lot of money to spend, so the rich do not have a problem spending money. Hoarding cash I guess but again, I am trying to say what is the definition of rich here, right? Well, younger generations, that is easy, think millennials and coming up on to the millennials, right? The millennials getting poor, totally believe that, I am watching that happen with some of my clients right now. Now, this article really goes around this new, this new study that finds many US retirees keep saving even after they have retired. Well, that is personally not new to me, that happens all the time, I remember even as a young financial advisor, a long time ago, I remember meeting Bernard, Bernard is actually, well, Bernard's no longer with us but I always remember Bernard. When he came to visit me, he was introduced by a CPA and he came to visit me at my office and he was wearing a Dickies and you know they are clean but just Dickies, a good simple work outfit and he drove in in an old Buick, probably 15 years old at that time and Bernard was about 75 years old at that time and he still wore Dickies and he drove his old car. Well as it turns out, Bernard had lost his wife a few years earlier but they have lived a good life together but Bernard essentially had been saving money, saving, saving money even in retirement, he was saving money because of the generation that comes from, right? So this new study that finds US retirees keep saving after they have retired, well let us talk about the generation that is retiring, that is the baby boomers and what did the baby boomers parents live through? They live through the great depression, they live through the great depression. So, saving and keeping a word chest, if you will, emergency money, save, save, save, save money. That was the Mantra that the baby boomer generation heard from mom and dad, it is still part of that Psyche of the baby boomer generation to keep saving, to keep accumulating. So, back to Bernard, when I met Bernard, we got to talking about why don't you spend money? Why don't you buy a car? He had lots and lots of money saved up, why don't you buy a car? Oh, I do not need a car. Why don't you update where your house and fix up your house? Oh, my house is fine. He basically just was comfortable living the way he was and when I asked him, if he had more money, more income, what would he spend it on? And he said, 'I'd spend it on my kids and my grand kids.' And that is a creative conversation around. Alright, what if we could do X, Y and Z and now we could have more income and we can live more behind for the kids. Well sure enough he love the idea of living more for the kids, he loved the idea to spend the income on Grandchildren for example, so we put a plan in motion that effectively increased his current income by about 30-40% and he had a really good increase in his income. Some of the other ideas we talked about were buying another car and spending some more money on himself and doing nice things for himself. Well, fast forward about a year and a half after I met Bernard and we had met a number of times after that but going over whose finances sure enough, exactly like this article says, he had just saved even more money, he had not spent money on the car, he did spend some money on the grand kids and the kids but he really did not spend the extra income because it was just built in to his DNA that he just was not that he was going to keep himself under control when it came to his spending in he would save instead of spend, right? It would save instead of spend . So, this idea that a new study finds US retirees keep saving even after they retired, well, yeah! I mean, you did not need a new study for that, that is I think that has been the case with the baby boomer generation especially for a long time, okay? Now, it must mean, now this is what I have, this again, the new ones to this, when it says baby boomers cut, they cut spending and increases savings, right? This article says that the folks that are over age 60, they cut their spending by 2 and a half percent in a year. Okay. Again, they are not being detailed, so I am assuming, this must mean that they cut their spending on lifestyle because life gets more expensive by at least the inflation rate every year, right? If you live here in California for example, you look what is happening in California, we once again are back on top, I think we have been close to the top number 1 or 2 every year for a long time. the highest taxes of any state in a union and a wonderful state government voted to increase our gas tax again. So just being able to drive a car, the gas tax price went up some I do not know, 20 or 30%, some ridiculous number. My coming back, I am assuming that the article is referencing this cut in spending is on lifestyle because life in general just gets more expensive buy at least the inflation rate every year, right? It goes on to say that yet these retirees or at least the affluent one. Now, there is a good word, this idea of rich, rich is what they used in the title and here now they are using the word affluent. Affluent, it makes more sense, now, they are not necessarily rich but affluent that leaves me to believe this is somebody that they have got a pretty healthy investment and savings portfolio and so forth, right? So yet, it says, these retirees are at least the affluent ones are not spending it. So, they are saving money but they are not spending it, it turns out they are afraid of the unknown, that is right from the article, it turns out, they are afraid of the unknown. I personally think that retirees and those retiring soon are afraid of someone they know very well, it is called the boogeyman and it happened in 2008, 2009, and 2010, it was the worst, right? Less than a decade, the world experienced the worst financial meltdown that we have seen in the last 2 or 3 generations, 2 generations at least, right? That is the boogeyman, they are not afraid of the unknown, they are afraid of exactly what they saw less than 10 years ago happening again. It was worst for the baby boomers because they have the least amount of the most valuable commodity in retirement planning, let me say that again, that boogeyman, that recession, the great recession was even worst for baby boomers and those who were looking towards retirement because they had the least amount of the most valuable commodity in retirement planning with just time. People planning on retirement were set back on their heels like they have been punched in the chin, in the wake of that financial crisis, retirees or those soon to be retired or hopeful for retirement, they became afraid, they became afraid of a boogeyman they had never actually paid attention to. That boogeyman came out from behind the curtain, behind the door, behind the shadows and was front and center and scared the holy heck out of people. They are not afraid of the unknown, they are afraid of that exact thing happening again. That is my opinion folks, but I have talked to a lot of people and I study this, I do this everyday of the week all the time, right? So, I think people are just truly afraid of history, short term history, repeating itself. Now, this article goes on to reference of 2016 study in the journal of financial planning. It found that the wealthiest fifth of US retirees are spending 53% less than they could have. 53% less than they could have. Meanwhile, the poorest 40% generally spend more than they safely should, the median retiree. Now, let us stop there because again I want you to consider the message, who says by what definition are they spending, right? That they could spend more, that the poorest 40% generally spend more than they safely should, by whose definition, if it is by Wall Street definition and you have listen to the show before you know that Wall Street is spending recommendations has been very self serving to the Wall Street machine, you have heard 4% withdrawal rates in retirement, right? People drawing out more than they should safely draw out, well, who sets that bar? Well of course, Wall Street in a Wall Street machine in general sets that bar. I am here to tell you that if you build your retirement income plan correctly, you do not have to live with this idea of what you should settle for safely under the Wall Street system, you can actually have a very healthy income without risking the longevity of that income, okay? And the idea that the wealthiest percentage a fifth of the US retirees are spending 53% than they could have, okay, great! Well, if they had a retirement income plan that they had could actually ignites in confidence in them, they might actually spend it. But the Wall Street retirement story is not one that in genders a great deal of confidence, okay? Now, Texas Tech University has done a survey, now they reference this and I like Texas Tech University, one of my favorite people, Wade Fow, Doctor Wade Fow was interviewed early on in this podcast along time ago and I like Doctor Fow, he came from Texas tech university and he was affiliated through Texas tech in a number of research papers and things like that and this was a Texas Tech University survey referenced in this article. So, the article ask this or the survey asked this question, "What is your greatest fear about managing your finances in retirement?" What is your greatest fear? So, here are the 5 or 4 answers, these are the 4 answers and I will get to the top answers that they have listed, but they summarized of all the answers. Number 4, dying before I could spend all my savings. Again, I smile, I am sorry I am trying not to be ah! But I think this a dumb question, somewhere, when they say what is your greatest fear about managing your finances, they did not just generally with these kind of surveys, they do not just leave it out there, they give people options, they give people a selection. It would be very difficult to categorize all of the answers if we just let it be a completely random survey. So I have to believe that they put this on there as an options to choose, dying before I can spend all of my savings was number 4. Now, I personally think that, that is a dumb question or a dumb one to put on there, because I can not recall in 18+ years of doing this, anybody who actually really did believe in the idea of bouncing their last check, like spending all of their savings. I had people say things like I am going out naked and poor just like I came in this world. I am going to write my last check and it is going to bounce after I die. It sounds good but once I have gotten to know those people, they do not believe that. They want to make sure that they have a cushion, they do not want to get close to spending all of their savings, it is not even in the realm of possibility for most people, okay? Number 3 on the list, was not leaving a large enough inheritance, that is in fact a big one, I see that one frequently, I actually heard this specifically last week, I sat with a client doing an annual review and he specifically chooses to live on far less income and forgoes things on his bucket list and he is n his now just after he is 76, so he lives on far less income than he could and he foregoes bucket list items like travel so that he can leave more money to his daughter. Now, I appreciate leaving an inheritance, but dang! It's just, I could not help them, you know I can not twist his arm but it really pains me to see someone who has worked so many years, worked so hard, paid for his daughter's college supported her, helped her all of this things and today he sits on a paid off house, he has got guaranteed accounts, he has got excellent income, he has got everything he needs and he could have more income and travel while he is healthy but he is still sacrifices to leave a greater inheritance. Now, I commend him, I appreciate, I respect it, still I wish that there  was that, that part of him that I just wish. Now, the second one, not being able to live my desired lifestyle, okay? And this is the irony of these things, right? Is that the number 3 one is I want to live a larger inheritance but number 2, right? The number 2, what is your greatest fear is not being able to live my desired lifestyle. Well, I just told you, my client has a vision of his desired lifestyle but he is not living it even though he could because in his mind, the inheritance is more important, he is going to prioritize the inheritance over his own happiness and that is just the way it is going to be. The number 1 item on the survey from Texas Tech University on what is your greatest fear about managing finances in retirement was not knowing how much I can spend safely. So, Professor Christopher Browning from Texas Tech said, "we found that even in a worst case scenario, they could have spent more." There has to be another explanation, right? There has to be another explanation and here is what he said, 'reasons that are not rational'. Remember what I said in the previous episode, I talked about this phrase, irrational exuberance, people getting all excited about this stock market going up and up and up for example. Well here, Professor Christopher Browning from Texas Tech University as referencing this idea that even though their research found that people could have spent more much like I just said in m client's case , he could spend more, right? That it is going to come down to reasons that are not rational, they are just not rational and one of those irrational reasons maybe a simple thing, a simple habit, there is something strange that happens when people retire. All of a sudden now, you are not getting a regular pay check and that scares the holy heck out of people, it really does. This article touches on a few things like annuities and bond letters and things like that say, there are ways that you can have a fix, that you could get a consistent income that would mimic a pay check and it references again, it references these things almost in passing. This idea that you could set up a bond, a portfolio, or annuities and different insurance products that could cover it but really it gave it such a small snippet that I actually noticed it like, well not unfortunate opportunity to really dive into me the how do you help people change this? How do you help people change this habit of not spending the money, the maybe out of fear of not getting a regular paycheck. I have seen that concern in people when they are getting close to that retirement timeline, they are really thinking about me, think about this that paycheck, whether it is coming from the business you own or the business you work at, that paycheck is the gold or the golden goose, right? I mean you are getting those golden eggs and that is the paycheck that when you look at goals set before retirement, a lot of people abandon those goals, they abandon the predetermine spending plans and budgets because they are terrified to see the balances on the retirement accounts drop even just a little bit and I have seen that before. I have actually seen that with clients that they just get frozen when the balances go down even though they may have gone down, because they are pulling money out according to a retirement plan, right? Now, here is where again, here is where things I am going to probably as I wrap up here, I am going to get a little riled up because this is the part that just gets me, right? This is the part that gets me that even if retirees live longer and healthier lives, they become more pessimistic about the economy and the stock market and their own financial situations, this is what the article says. And I am going to read it one more time and then I will give you my take on it. "Even as retirees live longer, healthier lives, they have become more pessimistic about the economy, the stock market and their own financial situation." Well, I wonder why, hello, why, why on earth would anybody be so pessimistic about the economy and the stock market and their own financial situation, isn't there retirement system working the way it was promised, 20, 30, 40 years ago? Isn't the retirement system giving them the picture that they had always dreamed of? Oh no! It is not! Right? Consider the source, right? This article is written in Bloomberg, so Wall Street firm, it is Wall Street that controls the message, right? That is why people are upset. That is why pessimistic. Baby boomers are not always pessimistic or becoming more pessimistic because of the economy of the stock market, they are becoming pessimistic because what they were promised all these years, the retirement system, this is the way you retire, you save more money, you max out your 401K. This is how we do it, it is failing them, it is failing the retirees that are going in to retirement that are actually brave enough to ask the question, 'how much income can I have?" Remember that question, how much income can I have? Ask that question, get a really disappointing answer from the Wall Street machine and you might become pessimistic too, right? Consider the source. Our professor friend, Mr. Browning goes on to say, after a lifetime of saving, it requires some psychological gymnastics to start spending your Nasdaq. Mr. Browning suggested that financial planners, listen to this, listen to this crazy talk. Professor Browning suggest that financial planners urge their thriftiest clients to make big purchases like a second home or fancy car before they retire. Out of their pot of savings, the idea he said is listen to this, training people to spend, how irresponsible and crazy would that be if I as a financial planner, looking in someone's finances, I do not know how long they are going live, I do not know what the economy would be like, I do not know what uncertainties lie around the corner, so I am going to teach my clients to make large purchase, big purchases out of their pot of savings. Savings that presumably is intended to be used for retirement income in lifestyle sustaining, right? So that I can train them to spend. Ugh! Gosh! Kills me! Make big purchases like 2nd home or fancy cars, training people to spend seriously, what about training, here is this, what about training financial advisors on the economic rules of retirement income, huh? Maybe? What about training economics professors at Texas Tech University, all of the new ones and the economic rules of the retirement and how to combine those with accumulation and investment strategy with distribution strategy so that we can have certainty around our retirement income because I will venture this, I will boldly say this that retirees who have more certainty around their paycheck, their cash flow, certainly eliminates pessimistic attitudes towards retirement and their finances. What about training Wall Street? Here is the big one, what about training Wall Street to admit, publicly admit that the retirement system that they have overseen since 1978 has failed the baby boomer generation and is set to fail the next sequential generation after that, okay? What about that? Here is my conspiracy theory for those of you who have not heard it before, I will share it real quick. Here is my conspiracy theory, okay? And I will start it with this question. When was the 401K created, when was the 401K, the modern retirement system, the dominant retirement system that we have today, when was it created? Some people are saying 1940s, 1950s, 1960s maybe. No! 1978, people, the 401K, right? Was only came into existence in 1978, this generation right now, this group of people is the first to ever try to retire in the 401K era, okay? So here is my conspiracy theory around the retirement system that we have today. So back in 1978, maybe a little earlier, the government organized a controlled hunt, a controlled hunt, you know where you get to pay to go hunt some wild, wield the beast from some far off land, you know. There are people that actually pay money to go hunt animals that have been brought in for sport. So, the government organizes this hunt, okay? And they go off to the congress who created this law and they are looking at and they are going okay, we need somebody to market this new hunt that we have, we are going to gather all these people up in this fenced in game preserved that we have created called The IRAs and 401K world, right? We are going to gather them all up there in this controlled place and we control the rules, we have got to market that, we got to talk to somebody about marketing that. So, Congress goes to Wall Street and say, hey! We have got this new program where we are going to basically and roll a bunch of people into our controlled organized system that will put in in this big fenced in area and we really need someone to help us market it and pitch it and manage the money, okay? Would you help us? and of course Wall Street says, yeah! We will do that all day long, no problem, we will do that and by the way, $25 trillion later, $25 Trillion in 401Ks and IRAs and pension plans and all of this, ah! It is an awesome, awesome system, right? We have got a lot of people in this fenced game preserved. So, Congress needed someone to market it and sell it, Wall Street says yes, we will do that for sure. But now, congress needs somebody to be able to pick off those people necessary to collect the taxes that have yet to be paid for example, so they go to the IRS and the IRS says, sure! We will be your hired gun and we will go get those taxes and we will harvest those taxes whenever the time is right, right? So that is my conspiracy theory around 401K and IRA. The government organized the hunt, it really got going in 1978 and $25 Trillion later,millions and millions and millions of Americans standing shoulder to shoulder inside the fenced game preserved waiting for the IRS to pick us off, right? I mean that is it. So what are we teaching the public? Right? What about teaching the public that retirement can not be fixed with investments alone? That retirement income can not be fixed with solely things offered by Wall Street, this article touched on it just ever so briefly that the answer to retirement might include annuities, it might include life insurance, it could include a way to balance real estate that transitions into a bond portfolio, who knows? But it is not just Wall Street solutions that will fix the retirement income dilemma, right? It's just not going to happen, so this idea of training people to spend, oh! gosh! I wish we could actually train financial advisors on the economic rules of retirement income, if we could train more financial advisors to understand the other half of that retirement planning conversation that Wall Street is not teaching, that would be magic. Unfortunately, it is still going to be just a handful of us like myself, the income engineer, out there just yelling from this microphone in my shop, ask for your retirement income number, ask for your retirement income number if you have not run your retirement income number with your financial planner or on one of those online tools, please do that. Get yourself a wake up call, wake up and when you are ready, and even if you would like to, I will run the current Wall Street income analysis for you and then I will give you a retirement income strategy analysis as well, you can compare them to yourself. So there is your call to action, remember, the future belongs to those who take action. Do it today, get going. Personal Pension Radio, contact me there, I very much look forward to it. I hope you enjoy this episode, please leave a review in iTunes, I have had a few additional reviews on iTunes, I greatly appreciate when you leave me a review and also send me any questions or things that you might want me to cover so much in this article, I tried to cover as  much as I could without going 3 hours. So, that is it, until next time. Have a great one wherever you are. Thanks again for listening. DISCLOSURE:  KRAIG IS THE INCOME ENGINEER BUT HE IS NOT AN ATTORNEY OR A CPA. PLEASE DO NOT CONSIDER THINGS ON THIS SHOW AS ADVICE. PLEASE TALK WITH A QUALIFIED CERTIFIED FINANCIAL PLANNER BEFORE MAKING ANY FINANCIAL DECISIONS. Keywords Financial Dependence, Financial Solvency, Financial Stability, Debt Freedom, Financial Security, Financial Independence, Financial Freedom, Financial Abundance, retirement, pension, income, protect, rescue, help, money, savings, Certified Financial Planner (Job Title), Income Tax, Money, Finance (Industry), wealth, tips, Personal Finance,  financial podcast, infinite banking, Self-Directed IRA, Retirement Planning Tips, Retirement Planning, Individual Retirement Account, Investing 101

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