Podcasts about renters

Two years after the national pledge for a "Better Deal for Renters," a new report by the National Association of Renters' Organisations and National Shelter finds that progress on strengthening and harmonising renters' rights remains inconsistent across states. Tune in to this podcast with a Melbourne-based real estate expert, who breaks down the current rental market trends across Victoria and explains how the state has fared in this report.

Passive Income is Rebranded LazinessIs passive income the holy grail… or the biggest scam in property investing?In this episode of the Honest Proper-Tea Podcast, Becky and Ruth pull back the curtain on the passive income dream. From the realities of buy-to-let compliance to the impact of the Renters' Reform Bill, they share why property isn't passive — it's leveraged.Expect real talk on:Why words matter: “passive” behaviour = passive resultsThe compliance minefield landlords can't ignoreHow agents, tenants, and mortgages all impact your bottom lineWhy treating property as a business (not a side hustle) is the only way to win long-termThe wider truth: does any income stream really stay passive?This isn't doom and gloom — it's the honest, unfiltered take on how to build wealth that lasts.Chapters00:00 The Myth of Passive Income in Property Investment02:25 The Reality of Being a Landlord05:20 The Importance of Active Management08:07 Wealth Building Beyond Property10:23 The Shift in Landlord Responsibilities13:07 Understanding Wealth Strategies16:38 The Dangers of Complacency18:55 The Marketing of Passive Income21:11 Final Thoughts on Wealth and Responsibility

Over ten thousand people have signed a legislative assembly petition calling for trauma-informed training to be mandated for NSW Police. Producer Pongyada Soothipong explains what trauma-informed training involves and what systemic reforms are needed to implement it. Cameron Francis, the CEO of not-for-profit drug testing service organisation The Loop joins us to discuss Queensland's recent ban on public and private pill testing operations. We unpack the impacts of keratoconus (a chronic eye condition) on young people with Dr Jingjing You, a senior lecturer at the University of Sydney's School of Medical Sciences. Have raves lost their meaning? Producer Bec Cushway investigates the history of raves and how Sydney's rave scene is being diluted. The National Association of Renters' Organisations and National Shelter have released their second report card on renting in Australia. Producer Sana Shaikh speaks to CEO of the Tenants' Union of NSW Leo Patterson Ross on how New South Wales fared and what the results mean for Sydney renters. This episode of Backchat was produced by Pongyada Soothipong, Nyaboth Chuol, Elise Papaioannou, Sana Shaikh and Bec Cushway. Executive produced by Bec Cushway. Hosted by Dani Zhang and Bec Cushway. Aired 27 September 2025 on Gadigal land. Want to support our show? Follow us on Spotify and Apple Podcasts, leave us a five-star review, and share an episode with a friend. See omnystudio.com/listener for privacy information. See omnystudio.com/listener for privacy information.

Three of LRG's lettings and property management directors discuss the Renters' Rights Bill including the main changes for landlords, when these are likely to come into effect, and what landlords can do to prepare. 

Is air conditioning now a non-negotiable for Aussie renters? ❄️ In Episode 156 of The Weekly Investor News Podcast, Nick Bendel and Owen Davis dive into the growing demand for cooling comforts in rental homes—and what it means for landlords, tenants, and investors.

My interview with the Paper Bag Investor on Lemonade stock ($LMND). Huge shoutout to him for coming on the show!! I will keep you all posted on if he's convinced me to buy more shares... let me know what you think in the comments! Are you long Lemonade stock? Why? Why not?Paper Bag Investor YT Channel: https://www.youtube.com‪@PaperBagInvest‬ Paper Bag Investor X: https://x.com/PaperBagInvestLemonade Q2 2025 Shareholder Letter: https://www.lemonade.com/investor-rel...0:00 Intro: Paper Bag Investor0:44 Lemonade Bull Thesis: Disrupting Insurance6:58 The Owner/Operator/Founder behind Lemonade: Daniel Schreiber & Shai Wininger9:17 What insurance does Lemonade sell? Renters, Pet, Car, Home …13:30 How To Understand Lemonade's Financials18:30 Lemonade's Fair Value is $100-$200 per share22:46 Lemonade's Gross Profit is BOOMING25:28 Lemonade Is About To Get Very Profitable26:22 Why Lemonade is Misunderstood30:51 Lemonade's Growth Rate, Accelerating or Nah?32:05 Reinsurance Change, From 55% to 20%33:40 Lemonade Car Insurance Potential34:10 How Does Tesla Robotaxi Impact Lemonades Car Insurance Business40:27 Lemonade Is Constantly Evolving, In Many Businesses 41:00 Getting Inspired About Lemonade Building A Brighter Future46:08 Viewer Questions from X50:03 Lemonade FOMO Ramping My X: https://x.com/gfilcheHyperChange Patreon :)   / hyperchange   Disclaimer: I'm long Lemonade (LMND) stock. This show is not financial advice.

We replay a conversation with Dr Susie Allanson and Lizzie O'Shea from 12 July 2022 about the fight for reproductive rights in Australia. Dr Susie Allanson was a clinical psychologist for more than 35 years. Twenty-six of those years were at the Fertility Control Clinic in Melbourne. Susie led the clinic's campaign for safe access to abortion. Lizzie O'Shea is a lawyer and writer. Lizzie represented the Fertility Control Clinic in the Supreme Court case to stop the harassment of staff and patients by anti-abortion fanatics. Together they wrote the book, 'Empowering Women: From Murder & Misogyny to High Court Victory'. In this conversation Dr Susie Allanson begins by speaking about their book and then Lizzie O'Shea speaks about the overturning of Roe v Wade and provides more insight into the Australian context. Please note that since the airing of this conversation, WA has decriminalised abortion as of 27 March 2024. Dr Sophie Rudolph, Senior Research Fellow in the Faculty of Education at the University of Melbourne, researches the educational implications of settler colonialism and is engaged with a range of communities in efforts towards transforming systems of oppression. Sophie speaks about the Anti-Palestinian Racism in Schools' report (which she co-authored) that was launched on Friday 26 September 2025. The report brings together 15 months of testimonies from students, teachers, and school community members, revealing how anti-Palestinian racism is deployed and normalised in schools.  Bee leads the Asian Migrant Project at Vixen. They do outreach and support work and advocate for sex workers. They are also one of the co-founders of Justice for Our Sisters, a collective of Asian and Asian Migrant sex workers in Naarm. Last time we had Bee on the show, we spoke  about the ongoing raids by Australian Border Force that are targeting Asian migrant sex workers, Vixen's new project called Rising Red Lantern, and what is required to achieve full decriminalisation of sex work in Victoria. Bee is back in the studio with us this morning to give us an update on the violence and threats made to Asian migrant sex workers and the upcoming fundraising event for Rising Red Lantern. *Listeners are advised that the conversation includes descriptions of police raids and references to violence against sex workers. If you are a migrant sex worker in need of support, you can reach out to your local peer organisation. That's Scarlet Alliance for the peak body at www.scarletalliance.org.au or Vixen in so-called Victoria at www.vixen.org.au. If you need to talk to someone about the issues covered in today's interview, you can also contact QLife on 1800 184 527 or go to www.qlife.org.au.Penny Carr is Convenor of National Association of Renters' Organisations. The National Association of Renters' Organisations (NARO) is a Federation of State and Territory based Tenants' Unions and Tenants Advice Services across Australia. This month, the National Association of Renters' Organisations has released a National Report Card into renting, two years on from the National Cabinet's promise of a 'Better Deal for Renters'. Penny speaks about the findings of the report card, what issues remain for renters, and what we need from governments to truly create a fair deal for renters.  Lucinda Thorpe is Privacy Campaigner at Digital Rights Watch. Lucinda is back on Tuesday Breakfast to talk about the Privacy Commissioner's recent landmark decision regarding KMart's use of facial recognition technology and the impacts that this surveillance tech has on our privacy and why it is dangerous to normalise the use of these tools. Songs:Pay Per View - Georgia MaqFeel it Change - Stella Donnelly

As the cost of homeownership soars across the country, renting has emerged as an increasingly popular alternative — not just in cities, but in suburbs, too. John Yang speaks with Doug Ressler, manager of business intelligence at Yardi Matrix, to learn more. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Welcome to the Monday Breakfast Show!  Headlines: - VALS releases statement on City of Melbourne's surveillance upgrade/ petition against program hiring private security guards- Two years after the National Cabinet pledged a “Better Deal for Renters,” millions of Australians remain vulnerable to rent hikes, arbitrary evictions, and unsafe homes. Segments:- A segment of the Earth Matters show from the 28th of September - Rosaline Parker, who is a Pacifica advocate and cultural consultant based in Sydney - her work includes empowering young pacific leaders engaging in meaningful advocacy, as well as climate justice initiatives in Tuvalu and Kiribati. To support more of her work, search Tuvalu Climate Action Network on facebook. To hear the rest of the Earth Matters show go to 3cr.org.au/earthmatters or tune into 3cr on Sundays from 11-1130am - Speech from Julie Webb Pullman speaking at Yesterday the 28th of September Sunday Palestine Rally. Julie Webb Pullman is a war crimes investigator and journalist who worked in Gaza from 2011 - 2020.  - On Wednesday 3 Sept, the book Lionel Fogarty in Poetry and Politics was launched  at The Melbourne School of ContinentalPhilosophy in Brunswick. Earlier that day, Lionel joined Bunjileenee Robbie Thorpe on 3CR on Bunjil's Fire for chats about colonial laws and white supremacy, education, and his experiences as a blak poet, artist and activist. To listen to more of Robbies show go to 3cr.org.au/firefirst or tune in at 3cr on Wednesdays from 11am-1pm - Speech from yesterday's 28th of September Free Palestine Rally. We heard from Renata, a progressive unionist who has worked in occupational health and safety for over 30 years. She has family ties in Palestine and speaks on the historic struggle unfolding in Italy and their protests for Palestine. - Mercedes from A Friday Rave speaking on the age restriction laws coming in December, legal framework to ban social media from under 16yr olds and the dangers of 3rd party verification. To hear the rest of this episode and more go to 3cr.org.au/fridayrave or tune in on 3cr on Fridays from 5-530pm.  Music: Birthday/Funeral by Daisy Picker The Beat Never Goes Off by Tamer Nafar Fruition by Barkaa 

In this newscast:  Hurricane-force winds are expected to hit central and southern Southeast Alaska late tonight and into Friday; Construction to get Eaglecrest Ski Area's controversial gondola up and running is finally underway; Juneau School Board President Deedie Sorensen was set to finish her term this year, but she is adding her name to this year's school board race; Renters living on Juneau's historic Telephone Hill have a week to pack up their belongings and vacate their homes before the city's Oct. 1 eviction date

  Leading economist Paul Johnson, former director of the Institute for Fiscal Studies and now provost of Queen's College Oxford, joins the Listen Up Landlords team this month, following months of speculation on landlord tax.  Paul debunks the myth that landlords are under-taxed relative to owner-occupiers and warns that any moves to make it more expensive to be a landlord will mean higher rents and fewer properties available to rent – a point the NRLA has been hammering home to Government for some time.  With various rumours from Government sources circulating on everything from Capital Gains Tax through to Stamp Duty and National Insurance Contributions, he criticises what he describes as ‘kite-flying', and has called for a comprehensive review of the taxation of housing and property with view to creating a long-term strategy for the sector.  Elsewhere, NRLA support team leader Samuel Blackhurst talks about the calls coming into the phonelines on all things Renters' Rights Bill, and Rachael Stocks, NRLA deputy director of marketing shares all the very latest on plans for the NRLA's UK Housing Conference, to be held in Liverpool this November.  Presented by TV's Steph McGovern and with speakers including property guru Sarah Beeney and other big names from across the industry, this year's event is not to be missed, so be sure to get your tickets today.  If you enjoy the show, please spread the word on your social media channels using the hashtag #listenuplandlords.   For all podcast enquiries email press@nrla.org.uk    More information:  To read a full transcript of the show click here.   To finds out more about the NRLA UK Housing Conference in Liverpool on November 5th click here.  For everything you need to prepare for the Renters' Rights Bill visit our exclusive members' hub here.  ACCREDITATION: You can now pick up a CPD point to be used towards NRLA accreditation by listening to the podcast. To log your point, visit the accreditation dashboard in the ‘Your Account' section of the NRLA website. Select ‘Other' then ‘NRLA Podcast' from the dropdown menu.  

As new data shows mortgage payments are soaring over $1,100 more than rent each month, and 88% of renters are priced out of the market, renting isn’t just a choice—it’s becoming a necessity. Paul Smith, Executive Director with The Rental Housing Association of Utah joins the show to discuss renting in Utah.

If you're a renter, it's jolly good news. At least a third of people taking out new tenancies this year are paying less rent than the tenants who lived there before them. According to the Ministry of Housing and Urban Development, for new tenancies since January 1, 30% were paying weekly rent lower than the initial weekly rent for the previous tenancy at that address. The data used a 500-day limit between the start of the last tenancy and the start of the newest tenancy, which gave a sample of around 33,000 homes, so, you know, a fairly sizable sample. Trade Me Property has also seen rents fall as supply outstrips demand. According to Trade Me Property, after a period of record highs in 2024, we're now seeing a market that offers more options and less competition, which is driving prices down in most regions. Nationally, rental listings on Trade Me Property were up 13% year on year in July, while demand fell 19%. Wellington recorded the largest drop. The median weekly rent there fell $50 or 7.7% to $600 compared with July of 2024. Wellington also saw a 27% rise in rental stock and a 6% fall in demand. Auckland's median weekly rent dropped $20 to $660 in July. And most other regions also saw rents go down, except for Southland, Nelson-Tasman and Taranaki. Southland hit a record high of $500 a week – what's happening in Southland? Taranaki climbed 3.3% to $620, so you'd be paying more for rent than you would be if you were renting in Wellington. So what does all that mean for landlords? Yesterday, I read an email from Bob, which in part said the tax cuts should never have happened except for the most needy. And I received a text in response saying, well, remind Bob, Kerre, that are rents not the lowest they've been for years? Is that not a direct result of the tax clawback for landlords? Well, I don't know, is it? Is it the fact that landlords can now get the rebate and claim for expenses? Does that mean that is being passed on to tenants, or is it simply that supply is outstripping demand, and when supply outstrips demand, prices fall, which is a fundamental principle of the law of supply and demand. Is that what it is? There are more places to rent available, new builds, perhaps people holding on to their homes but renting them out while they either go overseas or go into a retirement village or whatever it is they've decided to do, holding on to the homes and renting them out while they wait for the property market to recover. I don't know. The texter says it's because of the tax clawbacks for landlords and that's why we've seen the drop in rent. I'd love to know from landlords if that is in fact the case. And I'd love to hear from renters. Are you able now to do some horse trading over the rent? Instead of taking a number and going to the back of a very, very long line, waiting to get into see an overpriced piece of mouldy tat, are you now being able to be a bit more selective? And if you're in a place you like, are you able to negotiate for a better rent? Now, when your lease comes up, you say, yes, I'd like to stay here, but given the state of the property market, could I pay a bit a little bit less? I also wonder whether when times got tough, the part-time landlords, the ones that been felt the pressure to get onto the property ladder and save for your retirement, thanks to all the ads we played, buying up investment properties. It wasn't really your bag, it wasn't really your thing, you just thought you had to do it, otherwise you'd be missing out. Is that another reason that the part-time landlords got out of the business, leaving only the professional landlords there now? See omnystudio.com/listener for privacy information.

Are small buy-to-let landlords finished… or is this exactly the moment to lean in? In this candid conversation, Ant Lyons (Your Property Network) sits down with veteran investor and PIN founder Simon Zutshi to cut through the doom and gloom around the Renters' Rights Bill, Section 24, EPC changes, rising rates—and why, despite it all, there's still a powerful role for the small, professional landlord. Simon shares his “five golden rules,” how he's adapting his own portfolio (and why most new purchases now go into Ltd companies), and the practical moves you can make this quarter to find motivated sellers, structure win-win deals, and buy for cash flow first. If you've been on the fence, this is your confidence injection. What you'll learn The real impact of the Renters' Rights Bill & Section 24—and how pros are adapting Why vulnerable tenants may be hit hardest (and how good landlords can still help) EPC realities for older stock and what “good enough” looks like Buying criteria that works in 2025–2026: cash flow, demand, buffer When flipping is risky—and how to future-proof by holding for income Why now is a contrarian buying window (and how to spot motivated landlords) How to “sweat the asset” (HMOs, SA) and compete on quality, not a race to the bottom Simon's offer-and-follow-up playbook to actually get deals agreed Timestamps 0:00 Intro — Is the small landlord finished? 1:30 The policy landscape: RRB, Section 24, taxation reality 6:40 Who really pays the price? Tenants, courts, and insurance options 11:20 EPC changes and older stock—what's realistic 14:30 Company structures, treating it like a business 17:30 Buy for cash flow (not hope): shifting criteria into 2026 21:40 Quality HMOs vs “average” stock 23:40 Contrarian window: why Simon is buying now 29:20 New builds vs value-add: where returns really come from 39:10 Simon's checklist: motivated sellers, demand, cash flow, long-term, buffer 43:55 Offer strategy & relentless follow-up About our guest Simon Zutshi is the founder of Property Investors Network (PIN), bestselling author of Property Magic, and a full-time investor with three decades of experience through multiple cycles.

Mark 2:27 NIV "Then he said to them, “The Sabbath was made for man, not man for the Sabbath."   *DISCLAIMER* This episode contains adult themes and is not intended for little ears.   *Transcription Below*   Emily MacLeod-Wolfe is a Nurse Practitioner wellness professional with a passion for helping individuals achieve their health goals in a holistic and practical way.   With 5 years of invaluable experience in the field, Emily has developed a deep understanding of the importance of a balanced lifestyle for a vibrant life.   Emily firmly believes in treating the whole person, not just the symptoms, and takes a comprehensive approach to healthcare. She learned these from her own personal experience of dealing with Hashitmotos thyroiditis and eczema and found the root causes to treat them naturally. She is passionate to help others with the personal knowledge and health freedom she has received.   By combining her medical expertise with a focus on nutrition, exercise, and mindfulness, she empowers her clients to take control of their health and make sustainable lifestyle changes.   With a warm and empathetic demeanor, Emily creates a safe and supportive environment where clients feel heard and understood. She works closely with each individual to develop personalized wellness plans that are tailored to their unique needs and circumstances. Whether you're looking to improve your physical fitness, manage stress, or simply lead a healthier life, Emily is dedicated to guiding, encouraging & supporting you on your wellness journey.   Emily's Website   Questions and Topics We Cover: Will you give us an intro lesson for hormones 101? Is it normal to have really painful and heavy menstrual cycles or is that an indicator that something is not right? What are the best practices you recommend for women to support healthy hormones and healthy adrenals in their body all month long?   Thank you to our sponsor: Leman Property Management   Episode Mentioned Today: 256 Gut Health, Allergies, Inflammation and Proactive Solutions with Emily Macleod-Wolfe   Other Related Episodes on The Savvy Sauce Podcast: 81. Sacred Rest with Doctor, Wife, Mother, and Author, Dr. Saundra Dalton-Smith 167. Pursuing Health in Four Key Areas with Debra Fileta 205. Power of Movement with Alisa Keeton (Revelation Wellness) Hormones and Simple Changes to Feel SO Much Better with Functional Medicine Expert, Dr. Jill Carnahan Practicing Sabbath with Shireen Eldridge Special Patreon Re-release: Out of the Box Stress Relievers to Apply Today with Dr. Saundra Dalton-Smith 215 Enriching Women's Sexual Function, Part One with Dr. Kris Christiansen 216 Enriching Women's Sexual Function, Part Two with Dr. Kris Christiansen 217 Tween/Teen Females: How to Navigate Changes during Puberty with Dr. Jennifer Degler   Connect with us through The Savvy Sauce Website   Gospel Scripture: (all NIV) Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:12)   Laura Dugger: (0:12 - 1:29)  Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.    Today's message is not intended for little ears. We'll be discussing some adult themes, and I want you to be aware before you listen to this message.    Leman Property Management Company has the apartment you will be able to call home, with over 1,700 apartment units available in central Illinois. Visit them today at lemanproperties.com, or connect with them on Facebook.    Emily McLeod-Wolfe is my returning guest for today. Last time we talked about everything related to gut health, and I'll make sure to link that episode in the show notes for today's episode. I would highly recommend that you begin there, because there's a lot of overlap with solutions, as then we transition today into our topic about female hormones, the menstruation cycle, and how to make everything better, and even end up grateful to God for our female cycle.   Here's our chat. Welcome back to The Savvy Sauce, Emily.   Emily Macleod-Wolfe: (1:30 - 1:34) Thank you so much for having me again, Laura. I'm so excited about this section.   Laura Dugger: (1:35 - 1:40) Yes, can you just give us a brief reminder of the work that you get to do before we dive in?   Emily Macleod-Wolfe: (1:41 - 2:08) Yes. I am a holistic nurse practitioner. I was trained traditionally in traditional medicine at Vanderbilt, and then I went on to do ... Well, from my own personal health journey, I knew I wanted to do more holistic medicine, so I went on and did functional medicine, natural medicine training, so, now I have a practice called Pure Integrative Health, which is to blend the best of both worlds, and to basically to root cause medicine.   Laura Dugger: (2:08 - 2:19) Well, and we covered all things gut health last time, but I've been so excited to interview you about hormones, so as best as you can, could you just give us Hormones 101?   Emily Macleod-Wolfe: (2:21 - 3:02)  Yeah, yeah. And first of all, if you didn't hear the last episode, I would recommend go back to listen to the previous one, because the gut health is the precursor that builds to the hormones, and I don't recommend even trying to address the hormones unless you've got some of the gut healing going, because they are so interconnected, even in the way in which we don't want to be recycling hormones, so constipation is causing an excess hormone recycling that should not be happening. So, again, healthy gut health is going to help the hormones, but yes. So, for women, or for men, or what hormones would you like me to describe?   Laura Dugger: (3:02 - 3:11) I think we're just going to focus on women's hormones today, because I want to get more into our cycle as well.    Emily Macleod-Wolfe: (3:11 - 10:59) Oh, great question. Yeah. Okay. So, for women, we have the sex hormones, estrogen, progesterone, testosterone, not nearly as high levels of testosterone as men, they can be highly driven off of it. If the testosterone is too high in women, then we look at things like PCOS, polycystic ovarian syndrome, excess androgen, so it could be like abnormal hair growth, extra oily skin, acne, those are some signs of like maybe high testosterone, but also could be from high cortisol, which is the stress hormone that's made in the adrenal glands that sits on top of the kidneys and produces stress hormone.   Now we'll explain how the adrenals and the stress hormone cortisol affect some of the sex hormones, but those ones, and then there's one called DHEA, and that is the precursor hormone to testosterone. So, we've got estrogen, progesterone, testosterone, DHEA, pregnenolone is like the master hormone in which all the hormones can be made out of, and the cholesterol actually funnels into pregnenolone. So, our cholesterol is necessary, we do need good cholesterol to help all the hormones, so, yes, that's why good healthy fats and things like that are really helpful, like olive oil and avocado and baking, broiling and grilling things and all of that, the cholesterol, pregnenolone master hormone, we got DHEA, which is the precursor to testosterone.   And then testosterone can be the hormone that converts into estrogen, so, they're all connected, they're all very connected, so excess estrogen could be from too high testosterone. Anyhow, they're all over the place sometimes for women, and they do fluctuate just even within 28 days, so I'll kind of explain that, and then we can kind of go from there. So, we talked about cortisol, there's a lot of other hormones, but I was just telling you about the sex hormones, so that's necessary to understand a cycle of a woman.   So, when we start cycling, and then we have a couple different phases, we have the follicular phase, which is the first, day one is the day you start bleeding, and then day 14 is typically the day that we ovulate. So, day one, we have, estrogen starts to increase, we've kind of bottomed out, usually on our cycle, most women feel a little bit lower energy, I mean, we're bleeding and menstruating, and so some women lose a lot of iron, and ferritin levels can go down a lot during that, so we want to eat very iron-rich, lots of leafy greens, vegetables, good healthy fats to support. I kind of describe each week of our cycle, almost like a season, it's like winter is the first seven days of the bleeding, and then we've got spring, but then we start to feel really good, and everything is good, and then we've got summer, and we're doing great, and then we've got fall, and so we can kind of eat accordingly to, almost seasonally for the hormones, too.   So, we've got the first seven days, lower energy, because estrogen and progesterone are pretty bottomed out, but they start to gradually increase. Now estrogen really starts to increase, and then right around day 14, it comes down, and then progesterone takes over, and so right there is the ovulation, and that's where the ovaries will release an egg, and has the opportunity to be fertilized or not in the middle of the month, and it all very much interconnects with our moods and how we're feeling, and people have heard of PMS, premenstrual syndrome, you felt the hormonal changes and all of that, but there's definitely ways that we can kind of mitigate the extreme highs and lows, like some people deal with depression-like feelings and really big mood swings, we can work on leveling those things more so that they're not so drastic through certain things I'll describe, but anyhow, we've got follicular phase, estrogen, we've got the luteal phase, we've got ovulation, then we've got the luteal phase is where progesterone is really increasing and decreasing, and that's days 14 to 28 of the cycle. So, we've got first phase and second phase. And two, we can break it down even more to four weeks.    We've got like the first week, lower energy, but that's like, you can even connect it to emotions and how, like, maximizing efficiency for work based off of your cycle. Because even, you're not supposed to make a really big life decision during the menstruating week, because that's just low energy and all that. But it's a good time to dream, brainstorm, hopefully you're taking time to rest, take care of your body, have some salt baths, rich in magnesium, eating those good foods, giving nutrients, if your body needs, you get your iron levels checked and your ferritin levels. Your practitioner might give you an iron supplement that you're kind of taking in conjunction, depending on that. And so, we're resting and resetting and having time to journal, dream, and brainstorm things for the, you know, hopefully the next and then the next week, the estrogen is coming up a lot, and starting to feel back to normal self, usually really good and feeling that surge, the mood starts to get better, it's a great time to start to do like some good heavy weightlifting and exercise can even be based around cycle two. For menstruation, you're probably going to want to do a little bit more lower impact and walking and stretching, Pilates, things like that. And then a bar and all that and then weightlifting that second week is great.   And then also, that's around ovulation is that's where we feel more loving and affectionate and different things and the way that God designed our body literally to want to be with a man around that time. And that's procreation time. And then right around the after ovulation, that third week, and fourth week can start to get challenging because that's where well, sometimes that third week is a good, sweet spot.   But the fourth week, the week before the period. Yeah, like that day is 19 to 21. And then like after that, that's where some mood swings can start to happen.   And the estrogens come down a lot progesterone depending on where the bodies at. Most women are deficient in progesterone overall. So, if it's already decreasing, it was a peak in the third week, and then it's decreasing, going towards menstruating again, then it's a recipe for not sleeping great mood swings, irritability, bloating, breast tenderness, that can be estrogen imbalances, excess estrogen, low progesterone like symptoms.   And then yeah, that was a lot.   Laura Dugger: (10:59 - 11:20) That's so helpful. I want right before we move on, because I want to hear how to mitigate some of those symptoms. But first, you mentioned eating seasonally, even each week. So, is that what you're saying that we eat more of those winter foods, that day one to seven? And could you give an example for each phase?   Emily Macleod-Wolfe: (11:21 - 14:19) One example, Sweet potato, you know, like the foods that you would find more in the winter. So, you're kind of doing like sweet potatoes.   And like I said, the fatty food, like a healthy fat Mediterranean, definitely right around the cycle. Body craves, if you find yourself craving chocolate, it's probably because your body's deficient in magnesium. Most of us are.   So, some women will use it as an excuse to have chocolate, guilty as charged. But actually, it's magnesium deficiency, but chocolate has magnesium in it. So, if you get a rich, like dark chocolate, if you're not sensitive to chocolate, and you can do one that's a really dark and, and doesn't have a ton of sugar, then that could be a good source.   But just foods rich in magnesium, dark leafy greens, avocados, nuts, and really checking levels and magnesium, Epsom salt baths, things like that, that's going to be great. You're going to want to do that also kind of the week before the period to in the fall like food. So, you know, like the, the squashes, and you kind of like the baked vegetables and, and protein and, and then like in the spring, like the week after, then maybe you're doing more like, you know, berries and, and, you know, things that you would have in this in the springtime and summer, different types of meat that you would like lean chicken and turkey. Then harvest like food for that week before the period to give you good. There's something called seed cycling. So, the pumpkin seeds and well, sesame and sunflower are for days 14 to 28 of the cycle.   So, the second half that gives the body the micronutrients needed to help support progesterone and then pumpkin and wow, I'm really blanking probably because I need to eat lunch. But we can come back well it's going to come back to me the pumpkin and the is it chia? No, flax.   Flax. Okay, flax seed. Pumpkin and flax for days one, the day we start bleeding to ovulation day 14, and then sesame and sunflower days 14 to 28.   So, like adding those into smoothies, handful of nuts, nut butter, sunflower seed butter, you know, those kinds of things. Those that can also kind of support the cycle naturally and give the body the nutrients that are needed to support the body like that.   Laura Dugger: (14:19 - 14:37) Okay. I have heard about seed cycling before. It kind of ties into the other question I had. I wondered if it's normal to have really painful and heavy menstrual cycles? Or is that an indicator that something's not right and maybe we need to bring in something like seed cycling?   Emily Macleod-Wolfe: (14:39 - 18:15) Yes, painful, heavy menstruation. That's not normal. I personally have dealt with them.   So, I understand they're awful and they can leave some women, you know, nauseous, throwing up, vomiting, breast tenderness. Now, that signs of excess estrogen that likely needs to be detoxed. And I would recommend going to a holistic practitioner and asking them to do a saliva hormone testing panel.   Actually, we have no, I don't have it with me right now. But it's basically these vials of saliva that you spit right when you wake up, lunchtime, dinnertime, bedtime, and it'll check sex hormones between days 19 to 21 of the cycle. We're checking peak progesterone time so we can look at the most accurate depiction if you're cycling.   It's still possible to do it if you're postmenopausal and want to do the test, we could do it at any time. But it's a saliva hormone test is the most accurate way to measure hormones and see exactly what's going on. We can check blood work, but it's just like a little shot in the dark. But the saliva is the more accurate picture of what's going on.   So, I would recommend if you're having really heavy menstrual cycle, yes, you can try the seed cycling to start. That's harmless to try. But there might be more things going on that really need to be seen by a practitioner to help either support what hormone is low or detox another hormone that is excess.   Now, we are overall in our society getting a lot of excess estrogen. And that can be through plastics, we get a lot like trying to switch even just a bottle as I'm drinking through. We don't want to try and drink as much plastic out of plastic, we want to do like glass water bottles.   And like stainless steel water bottles better. Unless you're in a crazy rush and you forgot to bring one is better drink some water than no water. We've got to stay hydrated to have healthy bowel movements to have energy to our cells, all of that good water filter that filters out fluoride, chlorine, those things will affect the thyroid very much so. Thyroid hormones affect sex hormones and etc.   So, we want to get a good filter for the water so that we don't have to deal with the after effects of thyroid imbalances or if you're already dealing with thyroid imbalances. I understand because I've dealt with that myself. And so, we want to remove as many stressors because the thyroid needs iodine just to function.   And if we're getting fluoride and chlorine, those particular elements compete for iodine in the body. So, we got to get those out as best as we can get rid of excess estrogen. Through plastics, chemicals and detergents, like all of the chemicals that are exposed in detergents and cleaning products. As much as we can clean those up as well, it's going to be very, very helpful for thyroid, very helpful for sex hormones.   Laura Dugger: (18:16 - 18:26) Oh, that's interesting. So, those I don't even think of that are like store brand names for detergents that those could be endocrine disruptors, you're saying?   Emily Macleod-Wolfe: (18:26 - 18:45) That's great. Yes. So, endocrine disruptors are things that are going to cause imbalances to the thyroid, the sex hormones, or any of their other hormones in the body. Yes. So, we definitely want to try and stay away from those things.   Laura Dugger: (18:46 - 21:10) Let's take a quick break to hear a message from our sponsor.    With over 1,700 apartment units available throughout Pekin, Peoria, Peoria Heights, Morton, Washington, and Canton, and with every price range covered, you will have plenty of options when you rent through Leman Property Management Company. 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If you want to become a part of their team, contact them about open office positions. They're also hiring in their maintenance department, so we invite you to find out why so many people have chosen to make a career with them.   Check them out on Facebook today or email their friendly staff at leasing at lemanprops.com. You can also stop by their website at lemanproperties.com. That's L-E-M-A-N properties dot com. Check them out and find your place to call home today.    Okay, so I'm even thinking, so females my age or friends or older or younger women listening, even we have four daughters and so as they grow and mature, all of this is helpful. I'm assuming to start at a young age with getting rid of some of those toxins or not microwaving food on plastic plates, but then also you said detox. Is that through hydration or did you mean something else with detoxification?   Emily Macleod-Wolfe: (21:11 - 22:47) I can't get into this unless I saw somebody as a patient because I can't give across the board recommendation for this, but I will say because there are certain supplements and things that might be needed. Say there's excess estrogen in the body, there might be supplements that that person needs to help bring down those excess estrogen levels aside from food. But one thing that I do know that you can eat that helps overall is the more that you love and detoxify the liver. It's what has to process all the hormones.   One thing is broccoli sprouts, not broccoli, broccoli sprouts. So, you know, micro green sprouts, those ones, the broccoli sprouts are incredible at helping getting rid of the bad kinds of estrogen, detox those out of the body. So, that's really good.   Cruciferous vegetables, cooking your cruciferous vegetables though, because if you eat them raw, it can affect the thyroid negatively. So, it's best to, it could cause goiters and so we don't want that. It can be goitrogenic essentially.   So, we don't want that, but you could bake. I mean, you could cook cruciferous vegetables, broccoli, brussels sprouts, kale, etc., those cruciferous vegetables, spinach, all that. And those are great also for that. So, that can help.   The best one is the broccoli sprouts. Yes. And then getting saliva hormone testing done and seeing exactly where your body is at.   Laura Dugger: (22:48 - 22:53) Okay. Cause I'm wondering then could that even be a mineral deficiency when you're talking about supplements?   Emily Macleod-Wolfe: (22:55 - 27:11) Yeah, there definitely can be mineral deficiencies. It just, like I said, I've seen a lot of different variations, right? Excess estrogen, low progesterone, low menopausal, low everything.   Once the hormones bottom out, then they're kind of low across the board and the body might need bioidentical hormones to have extra support. It's cardioprotective, protective against cancers, protective for the bones, different things like that. Bioidentical is different than synthetic.   Synthetic hormones is like birth control, but synthetic hormones can, go see the last episode when we talk about leaky gut intestinal permeability, but the birth control can actually cause intestinal permeability too. So, that's a problem. Leaky gut can be from birth control, the synthetic birth control, and then the body's not even able to ovulate.   It's not able to release. There's just like the, the way that God designed it is we're actually, if you allow it to look at it as like a cleansing and a purging every month, that spiritually the Lord, if we allow the Lord, we don't have to dread it. It's so common in society to dread a period. Or, oh my gosh, again, here we go.   But how beautiful it's a celebration of the ability to give life. It's an opportunity to take some time to rest. It's a beautiful time to take some time to sit back and reflect, especially that week before the period.   Also try and not make big decisions the week before because the progesterone's bottomed out causing mood swings and then making decisions is going to be a lot more stressful and can lighten load and work a little bit that week before, a few days prior to your period. That would be very helpful. Stress levels really impact the cycle and also just trying to prepare the body for going through perimenopause and then menopause.   Wherever you're at in your health journey, life journey, it's, it's just so good to educate younger women to be really taking care of their adrenals, which is this, you know, the organ that produces stress hormone because high cortisol, which is the stress hormone produced by the adrenal glands, zaps progesterone and most women, that's probably why I see a lot of progesterone dipping so quickly. You need progesterone to have a healthy pregnancy. So, we're seeing a lot more miscarriages and infertility problems could be from low progesterone.   And, um, and then that will eventually bottom out with menopause because the ovaries are not producing it anymore. And the only place that we have progesterone left in reserves is in the adrenal glands. And so, if the stress has been going on for so long, then even the reserves of the backups of the backups are gone, the progesterone, which is why I see a lot of women going through a more extreme version of menopause than with the night sweats and the hot flashes and all those things that maybe didn't even have to happen.   Because, uh, if we take care of it on, on the earlier end of managing stress levels, going to bed at good times, getting full amount of sleep, women need eight to 10 hours of sleep. We will, I will just go ahead and say that because our hormones are very independent, dependent on our adrenal function. Men, they don't really have to rely on their adrenals as much as their other, other sex hormones and locations.   Um, so they don't have to deal with it as much as the women. So, we're constantly tied to a function of our adrenals really affects our sex hormones like crazy. And we're not getting the right amount of sleep.   Then we're going to have high stress levels, high cortisol, and then the high cortisol is where it is at the sex hormones. So, we need those reserves to be replenished and the, and the cortisol levels drop and melatonin kicks in and we're going to sleep so much better and sleep so much deeper.   Laura Dugger: (27:12 - 27:36) Wow. This is fascinating. And I love how you're even celebrating the cycle and how God created it because I'm forgetting one of them, but I heard that menstrual blood was tested, and they saw that it was detoxifying plastics and pesticides. And there was one other thing that the body was using to eliminate. And so that's a reminder just to be grateful for that too.   Emily Macleod-Wolfe: (27:36 - 29:08) And, uh, the birth control pill, it's a temporary fix. There are alternative forms of birth control that do not have the synthetic hormones that are good, good options, you know, and the synthetic hormones though, I've firsthand seen it with patients negatively impact the thyroid. And a lot of them have had to end up on thyroid medication just simply due to years and years of birth control and it impacting the thyroid and the cellular health as well as the lining of the gut and a lot of other side effects that I'm not a weight gain, different things.   And then the body not even being able to menstruate and fully excrete things. And, um, or even, you know, the, the cycle is an indicator, I think for women very much of like your monthly health, like how, how am I doing? Like if I'm having a really bad period, um, likely it was something that I had done this past month.   Okay. Did I eat right? Was I sleeping?   Was I incredibly stressed? Usually, you can trace it back to that. Now there's obviously other cases where, you know, PCOS and ruptured ovaries and different things like that, or ruptured cysts on the ovaries, sorry.   Um, then that can contribute to longer term diseases, but on a, it's almost like a litmus test to see how, how our bodies are doing.   Laura Dugger: (29:09 - 29:27) I like that perspective. And Emily, you're so great at giving proactive tips and I love easy wins. So, what are some of the best practices that you recommend for women to support healthy hormones and healthy adrenals in our bodies all month long?   Emily Macleod-Wolfe: (29:30 - 33:32) One is glucose management. So, protein, I cannot emphasize it enough protein sources, um, you know, good, healthy, as much as you can, grass fed organic meat. So, you're not getting the synthetic hormones from them because who knows what they're being fed and what they're being pumped with, but those sources, um, protein, other sources of protein, um, that's going to give you up to 15 hours of energy.   So, that is incredible. As far as eating for energy, I will say, if you can do that, that's, um, it's incredible. It's a game changer, eating for energy, protein, vegetables give us up to five to six hours of energy.   And then carbs, carbs give us, um, like if we had a piece of fruit, it only lasts in the system for 15 minutes. Or, um, potato chips, something like that, 15 minutes, that's not very long. And then the body says, ”I'm hungry again.” Then we ended up overeating because we just had the carbs and we're not full.   And so, that's why pairing the meals around the protein and then the fiber and then a healthy fat. Or like the protein, the fiber and a complex carb (sweet potato, brown rice, quinoa). Things like that is going to stabilize the blood sugar. So, there will not be cortisol stress levels spiked when we don't eat for too long, then it can cause the body to go into, um, stress overload. And there's four different stages of adrenal fatigue, cortisol, and that can affect the body very much.   So, spikes and crashes in glucose spike and crash the cortisol and then spikes and cortisol will steal your progesterone and then cause imbalances because progesterone keeps the estrogen in check. So, then you got estrogen and progesterone imbalances. Then there's DHEA, which is the other hormone that's made in the adrenals. So, sometimes DHEA, DHEA is incredible for building muscle, keeping muscle concentration, memory.   It's, wonderful at libido, all sorts of those things. Now, DHEA just decreases as we age. It's the precursor to testosterone as well, but it's also made in the adrenal glands.   And so, the more we can regulate cortisol and adrenal, sometimes high levels of stress, we've got to go back and think. Okay, um, we might not even feel stress, but if there's been physical abuse, emotional abuse, or sexual trauma, those are serious things that the body will hold on to. And unless you have gone to process, I recommend getting a Christian counselor and process those things because the body can literally still be holding onto it 20, 30, even 40 years, if it's not been let go and given to Jesus. And, um, so that is also a huge, we can't dismiss that or just try and fix the physical.   If there's been some stressors and the body has just been in survival mode and has to just keep going, then maybe it only knows how to live off of high cortisol stress reserves to just keep going. It doesn't, but if you have a hard time falling asleep, a hard time unwinding, feel like you're always on the go, those are like adrenal stages one and two high cortisol, but then that eventually will start to plummet. And then it's, um, you know, more difficult time getting out of bed and jumping straight out crash in the afternoon with energy crash after dinner crash before bed, um, or like wired and tired, like wired the brain's wired.   The body feels tired, but can't go to sleep. Then further stages waking up between 2:00 and 4:00 in the morning could be blood sugar, adrenal issues as well.   Laura Dugger: (33:32 - 33:41) Oh, could you speak a little bit more into that? Could be, the blood sugar related to the adrenal issues if you're waking up at that 2:00 to 4:00 AM time?   Emily Macleod-Wolfe: (33:42 - 34:47) Yes, it can be, the body signaling that the blood sugars drop too low. And then the cortisol has to, it can signal to the cortisol and the adrenals to spike to just keep the body going, survive. And then all of a sudden cortisol is spiking at night, which it should not, it should be done.   And melatonin should be happening at night and then cortisol in the daytime. So, if there's a cortisol spike because of a glucose crash, then, um, then we need to support it with, a spoonful of almond butter before bed, a handful of nuts, something, some protein before bed is going to, help someone, you know, in the middle of the night, stabilize the blood sugar. It can be a blood sugar issue with, cause blood sugar and cortisol are interconnected, but also should just check your cortisol levels, get a saliva test.   It's that saliva four point, um, test checks for sex hormones and cortisol, or we can.   Laura Dugger: (34:47 - 35:06) So. Okay. One more thing with that. So, then the blood sugar dropping that low, is that somebody who's maybe completing their closing, their eating window too early in the day, or they're not getting enough sugar throughout the day. Is that what you're saying with, why would it drop to that level and require cortisol?   Emily Macleod-Wolfe: (35:08 - 36:51) Great question. It would be, it could be the person's not eating enough throughout the day and the body just doesn't have the right. So, if the person was fasting quite frequently and doing that a lot now, everybody, everyone's body is different.   If you have adrenal imbalances, I do not recommend doing fasting because the body is already under stress and then fasting can put extra stress on the body. So then you're like, well, but then they said that if I fast and I should lose weight, and if you're fasting and you're gaining belly fat and you're gaining weight, it's a telltale sign cortisol because high cortisol level, puffy face, um, belly fat, stubborn, you can eat right exercise, try and do everything and it will not leave. That's usually survival mode. Body's trying to self-protect. Um, and so, yeah, so we don't want to be fasting very much if there's cortisol imbalances. Now, if there's not, and if you have your cortisol check, then there's great benefits to doing intermittent fasting and things.   And even biblically spiritually, there's incredible benefits to fasting. The Lord knows there's the cells literally repair themselves, regenerate and can eat up cancer cells. If we put our bodies into that ketosis state for good bit, but that is not something I would recommend doing high intensity exercise, or that's going to put a lot of cortisol stress on the body, high impact, um, or skipping a lot of meals.   So, that could be why the blood sugar is like dropping in the middle of the night.   Laura Dugger: (36:52 - 37:37) I just wanted to let you know, there are now multiple ways to give when you visit TheSavvySauce.com. We now have a donation button on our website and you can find it under the donate page, which is under the tab entitled support. Our mailing address is also provided.   If you would prefer to save us the processing fee and send a check that is tax deductible. Either way, you'll be supporting the work of Savvy Sauce Charities and helping us continue to reach the nations with the good news of Jesus Christ. Make sure you visit TheSavvySauce.com today. Thanks for your support.    Is there anything else that we haven't gotten to discuss yet that you want to make sure we don't miss out on?   Emily Macleod-Wolfe: (37:38 - 39:15) So what, when do you know if you're in perimenopause versus menopause? And like I said, if you're a woman in your twenties and you're like, that does not apply to me. Actually, it does because it's just, you don't want to get to menopause and have no reserves.   Progesterone left because you depleted it from high levels of cortisol over the years. So, lifestyle changes, the protein, smaller, more frequent meals, the consistent bedtime, trying to go to bed before midnight, like 10:00 PM is like a sweet spot. 10:00 PM to 2:00 AM is when the liver detoxes, when cholesterol gets flushed, all these different things.   Melatonin window for the body to like fall asleep and stay asleep is between 10 PM and like, there's sometimes it's even earlier. It just depends on the person. And I actually use a little app called Rise. It does a good job kind of helping you track where you're melatonin and when you're awake window, when to cut off eating and when to kind of wear blue light blocking glasses to prevent your body to blue light helps.   We set this in the last one, but blue light actually tells your body to stay awake. So, you don't want to be on your screens too late at night, or your body's going to be sending the signals to stay awake when you're trying to wind down. So, using softer lighting, doing candle lit, doing, you know, just mimicking outside when the sun goes down, we should be going down, going down to bed and sleep when the sun wakes up. That's when we should be getting up as well.   Laura Dugger: (39:15 - 39:38) So, and getting that morning sunlight that we talked about. So important. And I forgot one quick follow-up question. When you talked about cortisol, too high of cortisol contributing to belly fat, that stubborn or puffy face, what would the solution be? Is it just manage your stress better or what's the takeaway there?   Emily Macleod-Wolfe: (39:38 - 42:39) The takeaway is yes, there's things you can do glucose wise, blood sugar and food that we've talked about. Lifestyle wise, of course. I mean, a ton of it is we're American society that trophies busyness.   And like the Bible literally talks about the importance of rest and the Sabbath and like even humans, we were made on day six, but the first day we were actually doing things, Adam and Eve was day seven, was the day of rest. My dad's a pastor and he actually just gave a sermon on rest and the Sabbath just last week at Harvest Sound. But it was just all about that we were created out of rest.   Like we're there to start doing things out of that place of rest. And we just don't take that time. I mean, it's like, okay, we got to go, go, go, got to take care of the kids, got to go do this, go do this.   How are you doing? Oh, I'm so busy. How about you?   Like, it's almost like a trophy thing to say that, but really like, how about prioritizing that time? And it's so easy, especially as women and mothers to just say, oh, but I just want to take care of everybody else. But like, if you were to have a date with your friend, you wouldn't go overbook it with something else.   You would prioritize that. Are you going to go do something for your child? You're going to prioritize that.   So, I need you to also take time to prioritize your me time, prioritize the time. It's not selfish. It's necessary because you're going to be a better wife.   You're going to be a better mom. You're going to be a better friend. If you take care of the needs, whether that's taking an Epsom salt bath once a week, and that's spending time mourning sunlight or writing a list of gratitude, doing things, write a list of things that bring you joy and just pick two or three of those a day.   Like build that in - life's too short. Literally cortisol will kill you. Also, we didn't talk about that, but it's taking minutes off your life.   So, life's too short to have cortisol, unnecessary cortisol spikes. So, as much as we can,  it's prioritizing that learning the healthy boundaries saying no when needed to, and, not saying yes to everything. So, that is, it's a lot of those lifestyle things.   And then, fine tuning it with a health practitioner is great because everybody's spikes and crashes are in different places. Some people have high cortisol. Some people further on into the adrenal fatigue have low cortisol because the body doesn't have any more cortisol to give.   And that's a whole other list of symptoms of exhaustion and fatigue. And they might need actually glandular support and different, totally different supplements than someone that's got high cortisol, but they can present similarly as far as stubborn weight, puffiness, energy spikes and crashes and different things like that.   Laura Dugger: (42:40 - 43:04) So how incredible to get to follow up with a health professional then, and you are certainly one that we would recommend. And so even if we're out of state, but we could make a first appointment with you and figure out some way to do telehealth, can you just give us your website or share what you have to offer so that we can maybe make a follow-up appointment after this conversation?   Emily Macleod-Wolfe: (43:05 - 43:38) So it's pureintegrativehealth.com. And I could click on the tab, become a patient, just fill that form out. And then we can talk about a plan if you're in Tennessee, great.   We can just right away, we know you're in person. If you are out of state, I have to see you in person for the first initial eval and then we can come up with some hybrid plan of telemedicine in between visits and legally just need to be able to see you still once a year or something in person, but we could do the rest in telemedicine options.   Laura Dugger: (43:39 - 43:58) So yeah, it's a wonderful option. We will link to that in the show notes for today's episode. And Emily, you're already familiar that we're called The Savvy Sauce because savvy is synonymous with practical knowledge or insight. And so as my final question for you today, what is your Savvy Sauce?   Emily Macleod-Wolfe: (43:59 - 46:04) Well, in regards to this topic today with hormones, I would say my Savvy Sauce is actually, it would be around getting that bedtime routine down packed in order to have an eight to 10 hours of like actual sleep because the mind does a brain sweep and gets rid of toxins in the brain between seven and a half hours and nine hours. It's happened somewhere in that window. And so if we're skipping out on sleep, we're missing out.   If you're getting even six hours, you're missing out on the neural brain sweep that actually gets rid of the toxins that prevent Alzheimer's, dementia, a lot of other problems. The metabolism at nighttime, the body literally burns fat at night. We have to get sleeping.   And so, and if you're having problems sleeping, you're like, I want to sleep, but I haven't, then I would recommend start looking into different forms of magnesium. I can't get into it fully today because there's seven different kinds of magnesium, but there are some that will actually help with sleep. And so talk with your practitioner about the best forms that could help you increase your sleep as well, because most of us can be deficient in that and creating that really, really healthy rhythm.   Just knowing your why behind why you're sleeping is also really helpful because it's like, you can hear a lot of people say, you need to get more sleep. I should go to bed, do this, but why? It's actually getting a neural sweep, liver is detoxing, cholesterol is cleansing.   God does an incredible thing with our dreams. We're literally flushing and processing all the things from the day. And so, talk about stress and adrenals.   We got to help heal through our sleep.   Laura Dugger: (46:05 - 46:26) Wow. Thank you for leaving us with that word. There's so much more we could cover.   And ever since our first interaction, you have just been overflowing with kindness and graciousness and generosity with your time and sharing your knowledge. You're so kind, but I have just loved spending this time with you. Thank you so much, Emily, for being my repeat guest.   Emily Macleod-Wolfe: (46:27 - 46:32) Oh, my goodness. Thank you so much, Laura, for having me again. This has been wonderful. I really appreciate it.   Laura Dugger: (46:33 – 50:15) One more thing before you go. Have you heard the term gospel before?   It simply means good news. And I want to share the best news with you. But it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there is absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior. But God loved us so much, he made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life we could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus.   We can be covered and justified through the work Jesus finished if we choose to receive what He has done for us. Romans 10:9 says, “That if you confess with your mouth Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.” So, would you pray with me now?   Heavenly Father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life?   We trust you to work and change lives now for eternity. In Jesus' name we pray. Amen.   If you prayed that prayer, you are declaring him for me, so me for him. You get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason.   We want to give you practical tools to implement the knowledge you have learned. So, you ready to get started? First, tell someone.   Say it out loud. Get a Bible. The first day I made this decision, my parents took me to Barnes & Noble and let me choose my own Bible.   I selected the Quest NIV Bible, and I love it. You can start by reading the book of John. Also, get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ.   I'm assuming they will be thrilled to talk with you about further steps, such as going to church and getting connected to other believers to encourage you. We want to celebrate with you too, so feel free to leave a comment for us here if you did make a decision to follow Christ. We also have show notes including where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “In the same way I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

Stewardship Of Creation Share real hope with your family, friends, and community! - Hope 103.2 (hope1032.com.au) Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? And if you have not been trustworthy with someone else’s property, who will give you property of your own? LUKE 16:10–12 From the New International Version Send the Real Hope team a messageListen to more from our Hope Podcasts collection at hopepodcasts.com.au. And send the team a message via Hope 103.2’s app, Facebook or Instagram. See omnystudio.com/listener for privacy information.See omnystudio.com/listener for privacy information.

Yesterday, both the U.S. Federal Reserve and the Bank of Canada cut interest rates by a quarter point. On paper it may sound small, but in reality it was a major signal. Central banks rarely move in tandem unless the global economy is flashing warning signs. In this case, the cuts were not acts of strength, but indications of a weakening economy. The Fed acted on the back of softening labour and inflation data. The Bank of Canada responded to one of the worst employment reports the country has seen since the financial crisis, alongside a GDP contraction and a decade-long stagnation in productivity.Canada has shed 106,000 jobs in just two months, the steepest decline since 2009 outside of the pandemic years. The unemployment rate sits at 7.1%, though the reality is worse given the growing number of discouraged workers who are no longer counted in the labour force. GDP shrank 1.6% on an annualized basis in the second quarter, far worse than expected (0.6%), and per capita GDP has not grown since 2016. Productivity has declined in 15 of the past 18 quarters, leaving Canada stuck while the United States continues to pull ahead. Against that backdrop, rate cuts were inevitable. They are not preemptive adjustments - rather it feels like recession management.What holds the system together in moments like these is confidence. Confidence in the housing market, confidence in the stock market, confidence in government. Yet for many Canadians, that confidence has already been shaken. Housing prices have surged far faster than wages, eroding real purchasing power year after year. Families increasingly feel that elected officials have failed them, and the erosion of trust has become a slow leak. Rate cuts might offer a momentary reprieve for borrowers, but they cannot restore confidence on their own.Vancouver, by contrast, is experiencing a rental paradox. Sales ticked up slightly in August, but remain nearly 60% below peak levels. The sales-to-new listings ratio has fallen below 40%, a threshold that historically precedes price declines. Inventory continues to rise, months of supply sit at their highest since 2012, and the price index slipped again last month. At the same time, rental construction is surging. Metro Vancouver will see a 17% increase in rental supply over the next two years, while Kelowna is on track for a staggering 33% increase. With population growth slowing, this supply wave will inevitably push vacancies higher, something Vancouver has not experienced in years. Renters will see relief in the short term, but single-family permits are at record lows, which points to severe shortages by the late 2020s and a return to undersupply by the 2030s for both asset classes.The central bank cuts will ease borrowing costs slightly, and some buyers will return to the market. But rate cuts cannot create demand where none exists, nor can they resolve structural oversupply. In fact, by keeping weak projects alive longer, they may extend the correction rather than shorten it. What truly matters is confidence. Rate cuts feel like gifts, but they are really warning signals. They tell us that fragility is here, not ahead. The question is whether we treat this fragility as a chance to reset and rebuild trust, or whether we allow confidence to erode further. Because when confidence is restored—in our homes, in our markets, and in our leaders—the system doesn't just hold. It thrives. _________________________________ Contact Us To Book Your Private Consultation:

Late night hosts rally behind Jimmy Kimmel after ABC pulled him from the air. It's a victory for Altadena renters in their battle get Eaton Fire ash removed. UCLA may be on the verge of getting back $500 million in frozen federal funds. Plus, more.Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comVisit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency! Support the show: https://laist.com

In this episode of the Investor Fuel Podcast, host Leo Wehdeking speaks with Gwen Lion, a real estate professional in Las Vegas, who specializes in helping renters transition into homebuyers. Gwen shares her insights on the unique Las Vegas market, the importance of building relationships, and the challenges of navigating market uncertainty. She emphasizes the need for mentorship in the real estate industry and discusses her approach to educating clients about the benefits of homeownership.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Want to help rent out a flat? Criminal syndicates pushing illegal e-vaporisers are hunting for exactly that, young people willing to rent rooms as secret storage. When raids happen, it’s the tenant who takes the fall. So how do these schemes actually work? The Straits Times went undercover to speak to the advertisers to find out.On The Big Story, Hongbin Jeong speaks with Andrew Wong, Correspondent, The Straits Times, to find out more.See omnystudio.com/listener for privacy information.

On Cincinnati Edition's weekly news review, local journalists join us to talk about the big stories from recent days.

A new report from the Residential Tenancies Board (RTB) shows that the number of evictions facing renters has increased by 17% compared to a three month period last year.Why is this happening, and how is it affecting people?Newstalk Reporter Josh Crosbie has been investigating and joins Kieran to discuss.

A conversation with a wonderful supplier partner to the multifamily industry, the fabulous Katie Ritter, the National Director with Widewail...discussing Widewail's 2025 Voice of the Resident Report, created from one million Google reviews...what both the positive and negative reviews indicate about the current state of the multifamily industry.See omnystudio.com/listener for privacy information.

The property world is in uproar with rumours of new tax changes. Headlines and speculation are everywhere, but what's really going on? Tune in as Rob & Rob share what you actually need to know, and most importantly, explain what it could mean for investors. Watch Rob D's brand new YouTube video for a deeper dive into the government's latest updates.   (0:47) The latest news for house prices.   (7:05) Does the rental market continue to grow?   (9:30) News from the House of Commons.  (18:33) What on earth is happening with the Renters Rights Bill?   (18:22) Hub Extra.   Links mentioned:  House Prices:  Annual house price growth softens in August  Halifax house price index  Rightmove house price index  London house prices to outperform rest of UK   Rental Market:   Private rent and house prices  Rental market holds firm as stock levels climb despite Renters' Rights Bill concerns   Government:  Landlords could face tax on rental income in budget  Reeves considers replacing stamp duty with new property tax  Reeves leaves no stone unturned as she mulls reforms for property tax  Reed becomes new housing secretary after Rayner exit     Renters Rights Bill:  Renters' Rights Bill is back in Parliament as finish line approaches  Other:  Alex Hormozi   Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Find out more about Property Hub Invest 

This week the renters' rights bill returns to the House of Commons for its final debate. But in a country where tenants are spending around 40% of their income on rent, amidst an increasingly inflating housing market - does the bill go far enough?Anoosh Chakelian is joined by the New Statesman's business editor Will Dunn, and director of the Renters' Reform Coalition Tom Darling.Read: Landlords are a brake on growthLISTEN AD-FREE:

With the Renters' Rights Bill dominating the headlines, many in the UK property industry are wondering if the government is missing the point. In this interview, Nicol Nightingale, former letting agent, regional rep and now asset manager, explains why bringing in yet more legislation could do more harm than good. Nicol argues that without first regulating property agents through ROPA, the Renters' Rights Bill risks piling pressure on an already stretched system without actually protecting tenants. She highlights the worrying reality of unqualified agents and self managing landlords drafting legally binding tenancy agreements with no formal training. Rather than political posturing, what the sector really needs is investment in proper qualifications, stronger enforcement of existing laws, and a serious move towards professionalising the industry. Listen to the full interview to hear why Nicol believes change is needed!

In this episode of the Neighborhood Ventures Podcast, Lexi moderates a discussion with Bart and Heidi on three major stories shaping Arizona's market. First, Dutch Bros is moving its headquarters to Tempe — bringing jobs, culture, and long-term growth potential. Next, they unpack why multifamily absorption is outpacing supply and what that means for rent growth, concessions, and investors. Finally, they explore the rise of millionaire renters in Phoenix, why high-net-worth individuals are choosing luxury apartments over ownership, and how this shift impacts both lifestyle and economics. Whether you're an investor, renter, or simply curious about Arizona's booming real estate market, this episode dives deep into what these trends mean for the Valley.

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Adrienne Pearl, a real estate broker and author, who shares her inspiring journey from humble beginnings to becoming a successful entrepreneur. Adrienne discusses her mission to help lower middle-class renters become homeowners and build generational wealth. She emphasizes the importance of education, networking, and relationship-building in her career, as well as the challenges she faced along the way. Adrienne also introduces her book, 'Flip Smart,' and her coaching program designed to guide others in real estate investment.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this conversation, Jimmy Lomeli shares his journey into real estate, highlighting the importance of homeownership and the challenges faced in the industry. He emphasizes the need for strong relationships and networking, as well as his commitment to helping renters transition to homeowners. Jimmy outlines his goals for growth in the coming year, aiming to close more deals and expand his presence in the market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This week the gang speak about new storm names, the Renters' Rights Bill, Angela Rayner and migrant hotels. Who we are Simple Politics does things differently. We exist to help you have better conversations about the issues and the changes that matter. We do so by being clear, accurate and impartial. Also, light-hearted, engaging and occasionally (but not as often as we think) amusing. It's not just about understanding the facts and the topics themselves but also looking at why different people hold the opinions they do. Those with whom you disagree aren't monsters. Understanding and respect are at the core of everything we do. Our core offering will always be free. Unfortunately, giving things away for free isn't a great business model. We've never been business people. But. We do need to make this work. We do so through our amazing supporters, who keep us going by buying stuff in our shop and making monthly donations. This podcast has been Produced by Stripped Media If you want to know more about this podcast and others produced by Stripped Media, please visit www.Stripped.media or email Producers@Stripped.Media to find out! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIt is tough to outperform the stock market over an extended period of time, few do.In this episode we cover the YTD returns on the individual stock holdings in the Radish Account. Is Radish outperforming the market, tune in to find out.LemonadeTake 3 minutes to get a no obligation quote on Pet, Renters, Home, Auto insurance. Use the link below for a 10% discount. (US only)https://go.lemonade.com/visit/?bta=38304&brand=petContact Tom & RadishX                        @SavingsCaptainEmail                thesavingscaptain@gmail.com   

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Senior renters are now the fastest-growing group in the U.S., with more than 2.4 million Americans aged 65 and older entering the rental market in the past decade. In this episode of Real Estate News for Investors, Kathy Fettke breaks down the numbers from U.S. Census and Point2Homes data, and explains what's driving this powerful demographic shift. You'll learn why older Americans are choosing rentals over ownership, which metros are seeing the biggest surge in 55+ renters, and how single-family homes are playing a growing role in this trend. Real estate investor Ken McElroy also weighs in on why 55+ renters are among the most stable and attractive tenants for landlords today. If you want to stay ahead of the curve, this episode reveals what investors and developers should be watching as Baby Boomers reshape the housing market. LINKS: JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCES:   https://www.credaily.com/briefs/senior-renters-drive-housing-shift-in-the-us/  https://kenmcelroy.com/education/this-is-the-fastest-growing-renter-in-america/?utm_campaign=Newsletters&utm_medium=email&_hsenc=p2ANqtz-9i0ejEgzVwis0t8WzqPgTd7YP16P5IhtmKY-vGCOe4ZbqAmmPXptyEWSwzDF0eBZKfg2PsqLnu2Pxu9Q5jo6I8-Xx8Gw&_hsmi=377681519&utm_content=377681519&utm_source=hs_email

Is Your Dream Rental a SCAM?

Today Chancellor Rachel Reeves has been accused of running “the economy like Baldrick”, from the Blackadder sitcom, and risking rising rents, amid reports that the Treasury is considering hiking tax for landlords. Ahead of this autumn's budget, Reeves is desperately trying to find ways to raise revenue and improve the UK's public finances. The Standard's Chief Political Correspondent Rachael Burford is here with the latest. And in part two, freelance writer Kyle MacNeill joins us to discuss the growing popularity of sumo wrestling in the capital, ahead of The Grand Sumo Tournament being hosted at London's Royal Albert Hall this October. Hosted on Acast. See acast.com/privacy for more information.

In this episode, I introduce you to Leslie P. who lives with her two dogs and has always been a renter.  Leslie was searching for podcasts about organization. It caught Leslie's attention when she heard one of the Monday Connections podcasts when we were talking about subjects related to those things she loves like demographics, sociology, and anthropology.  Leslie was always an organized person but once her mom had passed and she was in the role of executor, she just couldn't get out from under all the paper!  She needed help and was looking for organizational solutions. The year after her mom passed Leslie referred to as the “Year of quiet living.” She stayed in her mom's 55+ community and took time to figure out her next steps as she faced hurdles in NYC. She'd decided to go out on her own and no longer be a W2 employee.  When Leslie decided to move down to Florida and stay with her mom to take care of her, who had cancer, she grabbed most of her stuff and just left. Well all that stuff was up there still waiting for Leslie to deal with. When Leslie finally located some important paperwork under the couch pillows that she'd been looking for, she decided she had to get a system in place.  In the midst of the mess, she created a priority list like Maslow's hierarchy of needs. What was the most important first step. She then started to feel permission to put things in logical places like her socks by the front door. She started to task stack while her dogs were eating so she could do other things in her kitchen. And she now gives herself permission to honor the phase of life she is in which may mean the fact that she'll buy new tools, get rid of things, make mistakes, and allow new permissions. Like keeping two sets of china and hosting the holidays her way. She's also given herself permission to have a personal life outside of working and taking care of her dogs because she also had more free time now. And with systems in place she no longer has a need for a to do list AND she's not forgetting to do things.  Leslie opened the conversation saying she was not the Organize 365® typical demographic. I wanted to dig into that a little. Leslie uncovered how renting an apartment is kinda like PCS'ing. You move more frequently and need to start all over again. What does a day look like again? How is the drive to work? Can you keep the same medical providers? How does errand running look? Coffee shops? And we talked about things about renting like owning a car and having outdoor space. We also talked about cost opportunities and what that means for the quiet middle of society from each person's point of view. We both pointed out things the other had not considered.  Leslie also attended a Planning Day. Leslie had attended plenty of corporate organization/productivity events and they all paled in comparison. She was so impressed with how comprehensive and effective Planning Day was. It's frustrating for Leslie because she wishes she'd known sooner that a lof of people struggle with organization and for a long time she thought it was just her. Now she has less anxiety, perceived anxiety, as well as sleeping better, and has a healthier outlook.  Leslie's advice is, “Listen to Lisa because she is smart.” But all joking aside she added “Give yourself permission. You are the subject matter expert of your family, your life, home, of your goals, and your priorities. You get to decide. Trust yourself.”  EPISODE RESOURCES: The Sunday Basket® Planning Day Sign Up for the Organize 365® Newsletter  On the Wednesday podcast, I get to talk with members of the Organize 365­® community as they share the challenges, progress, missteps and triumphs along their organizing journey. I am grateful that you are reaching out to share with me and with this community. You can see and hear transformation in action. If you are ready to share your story with us, please apply at https://organize365.com/wednesday. Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!

267. Apologetics with Ray Comfort   Acts 4:20 NKJV "For we cannot but speak the things which we have seen and heard.”   **Transcription Below**   Ray Comfort is a best selling author - having written over 100 books, including his most recent one, entitled Fifty Years of Open-Air Preaching: Everything I've Learned. He is a cohost of an award-winning television show that airs in 190 countries.   Living Waters Website Living Waters YouTube Channel   Questions and Topics We Cover: What are some memorable encounters you've had over the years as an open-air preacher? What fears do you notice holding believers back from evangelizing? What's an easy win or next step we can take today so that the inspiration from this conversation turns into action?   Related Episodes on The Savvy Sauce: School Series (Legal) Gospel Sharing During School Hours with Joel Penton Stories Series: Faith Building Miracles with Dave Pridemore Stories Series: Testify to Glorify with Richard Gamble   Thank You to Our Sponsor:  Sam Leman Eureka   Connect with The Savvy Sauce Facebook, Instagram or Our Website    Please help us out by sharing this episode with a friend, leaving a 5-star rating and review, and subscribing to this podcast!   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   *Transcription*   Music: (0:00 – 0:09)   Laura Dugger: (0:10 - 1:18) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Dugger, and I'm so glad you're here.    Leman Property Management Company has the apartment you will be able to call home, with over 1,700 apartment units available in Central Illinois. Visit them today at lemanproperties.com or connect with them on Facebook.    I'm delighted with this opportunity to interview my special guest for today, Mr. Ray Comfort. Ray is a best-selling author of over 100 books, one of which we'll be discussing today, about 50 years of open-air preaching.   He's also a co-host of an award-winning television show that airs in over 190 countries around the world. So, I'm pleased to welcome Ray Comfort and get to hear all of his stories and inspiration. Here's our chat.   Welcome to The Savvy Sauce, Ray.   Ray Comfort: (1:19 - 1:27) Well, thank you for having me. Can you explain Savvy Sauce to me? Absolutely.   That means knowledge, knowledge poured out.   Laura Dugger: (1:27 - 1:46) Well, savvy is synonymous with practical or insight. And my husband having a background in Chick-fil-A, people always talk about the Chick-fil-A sauce or the secret sauce. And so, when we were creating this podcast, that just became the favorite question that I wanted to ask every guest.   Ray Comfort: (1:47 - 1:50) Oh, that's great. Yeah, it's great to be with you. Thanks for having me on.   Laura Dugger: (1:51 - 2:00) It's truly my pleasure. And I just love how everybody has a unique testimony. So, would you be willing to share your salvation story with us?   Ray Comfort: (2:01 - 4:47) Yeah, sure. I came from a non-Christian background. My mother was Jewish.   My dad was Gentile. And when my mom met my dad, it caused problems in the family. So, they brought me up with no Christian instruction or any instruction whatsoever.   Until at the age of 10, an aunt taught me the Lord's Prayer, which I prayed every night for 10 years. I believed in God. And at the age of about 20, 21, I had an epiphany, just a revelation that I was part of the ultimate statistic.   10 out of 10 die. And I thought, this is ridiculous. We're all waiting around to die.   And you can have fun while you're dying. You can play sports or save money. And I'd achieved everything I wanted to achieve by the age of 21.   I had my own business and my own house, my own wife. I'd made one child by then. Everything material I could want.   And I remember one night just going to sleep, or my wife had gone to sleep just before I went to sleep. I looked at my wife, we're newly married, and I just wept at the thought of her dying. And I just cried out, why?   Why is this thing called death? It's like there's an elephant in the room stomping on all humanity and nobody talks about it. And so, I cried out, why?   I didn't know I was praying. I didn't know God heard. And six months later, I was on a surfing trip, and there was a young Christian guy there, and he had a Bible, and I remember reading parts of it.   And my eyes fell upon, you've heard it said, by them of old you shall not commit adultery. And I thought, well, if there is a heaven, I'll make it there because I've never committed adultery. But then I read the words of Jesus, but I say to you, whoever looks upon a woman to lust for her has committed adultery already with her in his heart.   And it was like an arrow went into my chest. And I thought, whoa, boy, am I undone. Because like every red-blooded male, I was filled with unlawful sexual desire and eyes full of adultery, as scripture says.   And that's when I understood the cross. I realized I had sinned. Jesus bore my sin.   And we broke the law, the commandments. Jesus paid the fine. And that meant God could forgive my sins, grant me everlasting life.   And I cannot express to you the joy, it was unspeakable, that's why I can't express it, that I had and the knowledge my sins were forgiven. It was like an explosion of gratitude filled my heart. And for the last 50 years, it's been the high-octane fuel that's driven me to live for God's will and honor.   So everywhere I go and everything I do is centered around sharing the gospel with unsaved people. And every Christian should be like that. I call myself a normal, biblical Christian.   Laura Dugger: (4:48 - 4:59) I love that. Well, and something that you speak about and that you live out is open-air preaching. And I just want to read a piece from the dedication page, if that's okay.   Ray Comfort: (5:01 - 5:03) So, make sure you speak in a New Zealand accent.   Laura Dugger: (5:03 - 5:28) Oh, goodness. I won't even attempt. But you define open-air preaching saying, going somewhere I don't want to go, to preach a message I don't want to preach, to people who don't want to hear it, but the love of Christ compels me.   And so, Ray, what was your journey to becoming an open-air preacher?   Ray Comfort: (5:30 - 9:18) Well, I'll go back to when I was 16. I was in high school, and the teacher had the bright idea to have class speeches. And I was horrified at the thought of class speeches.   Have to get up and make a speech? Because I was kind of introverted, and the day came when I got caught. I used to stay away when they had class speeches, but my name was left on the roster, and it was last.   And the teacher got me up, and I thought I'll speak on the subject of surfing because I just loved surfing. And I dried up in the middle of that speech. My heart just went thump, thump, thump, thump till I could hardly hear.   It was like a drum beating, and I couldn't think straight. And I sat down humiliated in front of my peers at the age of 16, which is huge. And I vowed never, ever to speak in public again.   But I got born again. I became a new person in Christ. And I had a message that I could not be quiet about.   And I remember one day I was on a bus going to the city, and I remember looking at the people that were sitting on the bus, and I thought most of them probably not Christians. They die. They're going to Hell.   I've found everlasting life. I should stand up and speak to them. And I thought the bus would stop, and a whole lot of them would throw me off.   And I thought, what do I do? And I remember praying, oh, God, if there's just some way where I could speak in public to people knowing there wasn't. And two weeks later, they legalized public speaking in our city through just strange circumstances.   And I thought, whoa, what an answer to prayer. Horrors. And I remember avoiding any thought of going into that speaker's corner for the next two weeks until I opened a newspaper.   Remember what newspapers were? I opened a newspaper and had a picture of an elderly lady with a Bible in her hand, and underneath it had the Bible lady sharing her Christian testimony in speaker's corner. And I felt so ashamed that here was an elderly lady, and here I was hiding like Jonah.   So, I went in, took a deep breath, and preached the gospel to a crowd that was standing or sitting there. And I went back about 3,000 times and commuted to it for about 12 years, almost daily for 12 years. So, I broke the sound barrier, and I've been doing it ever since.   And I'll tell you why I do it, because the average church wouldn't reach as many people in a year as a good open-air preacher can reach in 30 minutes. And you just have to learn how to draw a crowd and what to say, and you've got to have the will to say it. And if you're a Christian and you've found everlasting life, you should be saying with the disciples, I cannot but speak that which I've seen and heard.   And I'm so glad the disciples didn't stay in the upper room. They found everlasting life. God granted eternal life.   They didn't carpet out the room, put in pipe music, with a little notice outside their door, tonight, 7 o'clock, all welcome. They didn't do that, because they knew fish don't jump into the boat. That's not normal.   If you're a fisher of men, you've got to go where the fish are. So, they went open-air and preached. And as you read the book of Acts, that's all they did.   They preached open air at peril of their lives. And so if we want to walk in the steps of Jesus, in the steps of the disciples, in the steps of Spurgeon, Wesley, Moody, Whitfield, others down through the ages, then we've got to open our mouths and lift up our voice like a trumpet and show these people their transgression. And so, I am thrilled that you want to do an interview on this book, because I've often said the church has as much excitement about evangelism as you and I have about having a root canal.   It's not exciting. But we all have fears, and we can learn to overcome them.   Laura Dugger: (9:18 - 9:38) Ray, you make already such a compelling argument for why we as Christians are called to evangelize and deliver the good news and specifically calling it as open-air preachers. So, will you still share a few more arguments or reasons to try and help people understand why this is of utmost importance?   Ray Comfort: (9:39 - 10:47) Yes, we have a moral obligation. We're like doctors with a cure to cancer. We must speak, as the disciples said.   And if you've got fear, let me ask you a question. Could you jump into a pond that had big chunks of ice in it? It was so cold that you would die if you stayed in it for three minutes.   And most people say, no, no, you wouldn't get me jumping into that pond for anything. Let's say a four-year-old boy fell into that pond and his feet couldn't reach the bottom, and he began to drown. You wouldn't hesitate.   You'd just jump in. You wouldn't worry about how cold it was. Grab that kid and pull him out.   And the waters of personal evangelism are freezing. Ice cold. We're not excited about it.   Last thing we ever want to do is get involved in something like this. But love cannot but do something. Love couldn't stand there and watch a child drown.   And love cannot sit on a pew while sinners sink into Hell. So, if you've got problems with fear, don't pray for less fear. Pray for more love because that's the problem.   Laura Dugger: (10:48 - 11:02) Ray, I'm curious. You seem so confident and comfortable with this, but clearly you've been doing it, like you said, for many years. So, was there fear at the beginning for you?   And is there still fear when you do this today?   Ray Comfort: (11:03 - 18:09) No, there wasn't fear at the beginning. Fear is here. Terror is here.   Mortification is here. I was up there somewhere. So, the first time I did it was terrifying.   Second time wasn't quite so terrifying. But after all these years, I still battle fear, always. Every person I got a witness to on a one-to-one basis looks like Goliath.   It goes from a Zacchaeus to a Goliath in a split second. I think a witness to that guy, he's anti-Christian. I can see it by the look on his jawline.   He hates Christians. Can't wait to get his fingers around the neck of any Christian because I've got overripe imagination. I remember once I was driving my car and I saw a dead dog on the road about 100 yards ahead of me and it was such a sad sight.   I could see its head was all twisted back and I could see its ears. It was a German shepherd. And as I got up to it, it was someone's jacket that had fallen off his bike.   That's all. And I just had an overripe imagination. And that's exactly what it's like when it comes to fear.   I have an imagination that some guy's going to kill me if I share the gospel with him. So, I've learned to not listen when fear speaks. I've learned to think about the fate of the person rather than myself.   I mean, think of a firefighter. He arrives at a fire, and he looks up and he has to climb a 60-foot ladder. At the top of the ladder is a woman and two children leaning out of a window and the place is on fire.   It's the fifth story. And they're screaming because they're going to be burned alive in about three minutes. So, he's got to climb that ladder amidst the screaming, amidst the smoke and the sirens.   He could drop one of those kids. He could drop that woman. And so, would he rather be at home with his wife and kids watching an old black-and-white movie?   Of course. Is he terrified? Absolutely.   But he doesn't listen to his fears because of this one fact. He's not thinking of himself. He's thinking of that woman and her terrible fate and those kids.   And that's the key to overcoming fear. When I get my fears, I don't listen because I'm not thinking of myself and my silly little fears, my imagination. I'm thinking of this person and their terrible fate, that they die in their sins.   Lake of fire. Damned. If you think death is fearful on this side, wait till the other side.   It's a fearful thing to fall into the hands of the living God. And the apostle Paul said, Wherefore, knowing the terror of the Lord, we persuade men. So, if you've got a wrong image of God, it's kind of like a Santa Claus sitting in a cloud.   You won't have a terror in your heart. You won't fear God enough to obey him. You know, Jesus said, “Why do you call me Lord and do not the things that I tell you?”   And so, if we are submitted to Christ, if we yield to him, if he's our Lord, when he says, “Go into all the world and preach the gospel to every creature.” We go. He didn't say to stay. Think of what he said.   Go into all the world and preach the gospel to every creature. I've actually studied the original Greek words of the word all, every, and go. Go actually means in the original, I think it's passe.   The original Greek, it actually means go. Into all the world and all the world. That word all means all in the original Greek.   And to every creature means every creature. So, when Jesus said, “Go into all the world and preach the gospel to every creature”, in the original Greek, he actually was saying, “Go into all the world and preach the gospel to every creature.” So, we're so fortunate to have Greek lexicons and things that we can go back and see what Jesus was actually saying.   And so, it's very simple. We shouldn't stay. We shouldn't want to fill our churches with people when they come in, where to go out and get them.   And one of the most effective ways is with open air preaching. And so, we teach people how to get a crowd. Now, when I first started speaking, I would begin open air preaching with an anecdote, something very gripping.   And it was always difficult because if I didn't live up to that, I didn't get a crowd. And so, for about four or five or six years, it was very difficult. And then I started asking trivia and giving away money.   And I've been doing that for 30, 40 years, where you say to a crowd, I've got some trivia questions, giving away money. And a preacher giving away money is like water running uphill. It's kind of unnatural, so it gets people's attention.   So, I'm going to ask trivia questions. I've got money here to give away. When you get it right. What's the capital of France? Anyone know?    And someone says, “Paris?” That's right.   Here you are. What's the capital of China? Beijing or whatever it is.   Give out a dollar. Say, “What's your name?” Fred.   That's right. And you give Fred a dollar and people laugh, and they gather around and it's just a great way to get rapport with a crowd. And while you're doing that, you look around to see who's got confidence.   This guy over here, or Fred, laughs when I say, “Here's a dollar, and he yells out answers.” I say, “Fred, you want to go for $5?” He says, “Sure.”   So, jump up on the box. So, we've got a box for the hecklers. So, you think you're a good person?   He says, “Yeah, I'm a really good person.” So, if you are, you get $5. If you're not, give me $5 anyway.   Just being a good sport. So, we're going to go through the Ten Commandments to see how you're going to do on Judgment Day and if you are a good person. Let me take him through the commandments as Jesus did with the rich young ruler.   How many lies have you told? Ever stole something? Ever used God's name in vain?   Ever looked at women with lust? And Fred says, “Yeah, I've done all those.” So, Fred, you've just told me you're a lying thief, a blasphemer, and an adulterer at heart.   And you have to face God on Judgment Day. You're going to be innocent or guilty? He says, “Guilty.”   Heaven or Hell? Hell. Does that concern you?   Yeah, sure it does. And the crowd's listening. It's not some sweaty preacher pointing a finger at them.   They're just listening to the gospel. And so, it's a great way. And then you go into that Christ died for our sins, took our punishment.   And Fred, “Thanks for listening. I really appreciate this. Here's your dollar.”   I've got a book for you that I wrote. I hope you enjoy it. Nice to meet you.   He shook his hand. He's off. Anyone else, like any atheists here, never be intimidated by an atheist.   Atheism is the epitome of stupidity. It's just so dumb. Every time I meet an atheist, I ask him one question, and I've seen so many atheists backslide when they've heard this.   I say, “Do you really believe the scientific impossibility that nothing created everything? Puppies and kittens and flowers and seeds and the marvels of the human eye and the miracle of childbirth. All this happened because nothing created it. Do you really believe that?”    They say, “Oh, no, I don't believe that. Oh, there was something in the beginning.”   I say, “Oh, it just wasn't God. Is that it?” Yeah, that's it.   It was something, but it wasn't God. Well, let's see if we can find out why you don't want it to be God. When did you last look at pornography?   I say, “Oh, it was last night. What do you think God thinks of that?” And you realize the issue isn't intellectual.   It's moral. They're running from God like Adam, hiding behind bushes. And so, you've just got to flush them out and then use the Ten Commandments to bring the knowledge of sin and address the conscience rather than the intellect.   Let's take a quick break to hear a message from our sponsor. With over 1,700 apartment units available throughout Pekin, Peoria, Peoria Heights, Morton, Washington, and Canton, and with every price range covered, you will have plenty of options when you rent through Leman Property Management Company. 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Renters may be excited to learn about their flexible leases, pet-friendly locations, and even mini-storage units available in some locations.   Leman Property Management Company has a knowledgeable and helpful staff including several employees with over 30 years working with this reputable company. If you want to become a part of their team, contact them about open office positions. They're also hiring in their maintenance department, so we invite you to find out why so many people have chosen to make a career with them.   Check them out on Facebook today or email their friendly staff at leasing@lemanprops.com. You can also stop by their website at lemanproperties.com. That's L-E-M-A-N-P-R-O-P-E-R-T-Y. Check them out and find your place to call home today.    As you've done this, what has been your experience along the way? And would you even share a few stories of times that this has gone miraculously well and times that have been such a struggle?   Ray Comfort: (20:19 - 30:16) It's always a struggle. But let me share the two great keys that I use when it comes to evangelism. I don't even like using the word evangelism because it scares Christians.   Apologetics. And that is this. I address the conscience, as Jesus did.   When you're in apologetics, and I believe in apologetics, we've got what's called the Evidence Study Bible, which is pregnant with apologetics. So, I believe in apologetics, but they have their place. Apologetics are like bait when you're fishing for men.   If you stay with bait, you're going to end up with fat, happy fish that get away. You've got to have a hook, and that hook is God's law. So, you bait the hook.   And so, it's important if you bait the hook with apologetics and address the intellect to realize this one fact. Romans 8:7 says, “The carnal mind is enmity against God, for it's not subject to the law of God, neither indeed can be.” What does that mean?   It means the carnal, natural mind of man is in a state of hostility towards God, particularly His law. It's not subject to the law of God, neither indeed can be. And you can see this enmity by the fact that human beings lavished with life by God use His name as a cuss word, and the name of Jesus as a cuss word.   Nobody in history has had their name used as a cuss word except Jesus, Jesus Christ, and God. And that shows the enmity they have towards their Creator because they're criminals. And as criminals hate the police, so sinners hate God without cause.   So, you want to move away from the carnal mind because you're going to get enmity. If you say, “Look, I'm going to show you that Noah did build an ark. I'm going to prove it to you there was a big flood.” And so you go through the whole thing that the ark was really big and the animals were small and it could have happened. Then we've got oceans and that's evidence that the earth was flooded. You get this guy who was a skeptic who'd say, “Okay, I believe there was a big flood and Noah could have built an ark.”   Well, great. Now you've got a mountain to climb of Jonah being swallowed by a big fish. Children of Israel shouting and walls coming down when they shout.   Balaam's donkey speaking with a man's voice. Samson with strength in his hair. And you've got all these stories, and they're all an intellectual thing, and they're like a mountain you've got to climb to convince them to believe there's an easier way.   And the early Christians didn't try and convince anyone the Bible is the word of God because they didn't have a New Testament. There was no printing press. No one could read or hardly anyone could read.   Now they just preached the gospel, and you do it not by going for the intellect and trying to intellectually convince someone that God exists or the Bible's the word of God. You do what Jesus did with a rich young ruler. You address the conscience with the commandments.   You shall not lie, shall not steal, shall not commit adultery. It's all written on the heart of man. Conscience means knowledge.   So that knowledge is there. So, the commandments echo the truth, or the conscience echoes the truth of the commandments. When Paul used the commandments in Romans chapter 2, you who say you shall not steal, do you steal?   You say, “You shall not commit adultery; do you commit adultery?” He was addressing the conscience. Romans 2:15, same chapter, would show the work of the law written on their hearts, the conscience bearing witness.   So, I have an ally right in the heart of the enemy. I have a judge on the court and in the mind of every sinner that's going to affirm the truth of what I'm saying and point guilt to the sinner or show him that he's guilty. That's the conscience.   The second great tool I have or weapon I have is the will to live. Human beings are not dogs, horses, cats, or cows. We're completely different.   We're not primates. We're made in the image of God and God has written eternity upon our hearts. He doesn't seem to have done this with my dog.   My dog's only concerned with chasing cats and eating. I don't think there's anything else that really interests her, although I love her, but she's not worrying about eternity, but human beings do. So, I know, according to scripture, that everybody has this will to live.   So, when I go to the local college, and I go there twice a day, to interview people for our YouTube channel. I often say this, “Would you like to go on YouTube?” They say, “Yeah.”   I'm going to ask you, “If you think there's life after death.” I say, “That's okay, and this is my first question. Are you afraid of dying?”   And they go, “A little bit.” A little bit? It's huge.   It's a tormenting fear of death. It haunts you, and that's what the Bible says, this fear of death that we have. And I can tell by the look in the eyes of this person, they're saying, “How did this guy know?”   I haven't told mom or dad. I haven't told my boyfriend or my girlfriend, my brother, my sister, but there's something in me that's terrified of dying. Hebrews 2:14-15 tells us.   Amplified Bible, so I'll quote it a little louder. It says, “That God has caused the fear of death or the will to live to be haunting,” it uses the word haunting, “within every human being all their lifetime.” Remember when I was a kid, maybe nine or ten, I used to play wars, cowboys and Indians, and someone would shoot me. I'd roll down a hill and lie there for two minutes and then get up.   And then one day as I got older, I thought, I'm not going to get up one day. And that's that haunting fear of death. That revelation that comes to us, as light comes to us, as we get older. And so, I address that, and this is what I say, “Ever read the Bible?”    “No, never opened it.”    “Why not? It's the world's biggest selling book of all time. Did you know in the Old Testament, God promised he would destroy death? And in the New Testament, we're told how he did it. Did you know that?”    They say, “No.”    “Is he interested?”   And even if it's an atheist, he's going to say, “Yeah, I'm interested.” Because he's got that haunting fear of death. And so, then I go through the gospel. This is the verse that I share with so many people, and it's the most illuminating verse, and I can see light coming to them as I say this.   I say, “Have you ever heard the Bible verse, the wages of sin is death?” And they say, “Maybe.” It's saying that God is paying you in death for your sins.   Like a judge who looks at a criminal who's committed murder, but he thinks he's a good person. The judge says, “I'm going to show you how serious your crime is. I'm giving you the death sentence.”   This is your wages. This is what you've earned. And I say, “Fred, sin is so serious to a holy God, he's given you the death sentence.”   You're on death row. You're in a holding cell. It's got a nice blue roof, good air conditioning, good lighting, but this life is a holding cell, and your death will be evidence to you that God is deadly serious about sin.   That has a sobering effect on people because now they've got a reason why they die. Now they know what's going to happen after they die. It's appointed a man.   It's appointment. It's appointed a man who wants to die, and after this, the judgment. And as you go through the commandments, it shows them how they need a Savior.   And so many people say, I'm going to really think about this. Thank you for talking to me. I say, “When are you going to repent and put your trust in Jesus?”   And so many people lately have been saying, “Today.” So, the pandemic, that plague that no one calls a plague, the pandemic did us a huge favor because it made a whole generation think about their mortality, made them realize they're going to die one day. And so, the harvest fields are white.   One other thought regarding the fear of death and the will to live, the same thing. Think of a waitress who has to approach three men, businessmen wearing dark suits and little briefcases sitting at a table. They're obviously wheeling and dealing millions of dollars.   Is she intimidated? No. She just walks up and says, “Can I take your order?”   Why is she so bold? It's because she knows she has what they want. They're there for food.   And so that makes her bold. And you and I have what this world wants. Right at this moment, there are people in torture chambers called gyms, lifting weights that are far too heavy for them, pulling things they shouldn't be pulling.   And I believe in physical fitness is great. And at the same time, there are people drinking green slime. They would love a chocolate shake, but they drink because they want to increase their life just that little bit more.   We have found everlasting life. So, if the world knew what we had, they would ask us. This is what Jesus said to the woman at the well.   If you knew who it was that was speaking to you, you would ask me. And if the world knew what we had, everlasting life, they'd plead with us. So, because we know we have what the world wants, like that waitress, we must be bold.   And when they realize that we have the answer to death that Jesus Christ has abolished death. When that revelation comes to them, what causes death. That Christ redeemed us from the curse of the law, he destroyed death, bringing life and immortality to light through the gospel. That's when the light goes on and they say, “Thank you so much. Thank you for talking to me.” I've just about worn myself out.   Laura Dugger: (30:16 - 30:30) Well, that's incredible to hear, especially the breakdown practically of how you do that. And I would say, “Do you even give people permission to use some of those examples if they want to give this a try?”   Ray Comfort: (30:31 - 31:18) I would plead with them to do so. We've got the evidence Bible. It's filled with how to do these things.   And that book, Fifty Years of Open-Air Preaching: Everything I've Learned is filled with stuff like this. How to get a crowd standing up nice and orderly. There's a picture, I don't know if you can see it, at Berkeley University.   They're all standing around nice in a big circle. That's where you get stoned to death, Berkeley. But because we understand these principles, we just drew a circle out of chalk and said, stand behind the circle.   If anyone got in front of the circle, approached us, we wouldn't talk to them unless they got to the edge of the circle. And people are like sheep. If you say, “Move back behind the chalk line. Do it now.” Okay. They'll do it, if you've got a little bit of authority.   And so, you just learn to do things like that. And it means the gospel can go out. So yeah, please, please use these principles.   Laura Dugger: (31:19 - 31:34) And then can you also just paint a picture. If somebody's never seen this before, they've never tried this before, are there any memorable encounters that you've had as you reflect back on these years of open air preaching?   Ray Comfort: (31:35 - 33:54) Yes. Oh, I've got beaten up by a woman once. Oh dear.   I'll have to tell you. I was in Santa Monica many years ago, and I had a crowd of maybe 40, 50 people. And there's a woman there that was very vocal and kept calling me, using the F word a couple of times.   So, I said, “Ma'am, can you watch your language? There are ladies present.” And she said, “I'm a lady.”   I said, “Ma'am, you may be a woman, but you are not a lady.” And with that, she ran at me like a bat out of heaven and began beating me up. Now, most women go scratch, and hair pulling, but she was like Mike Tyson's sister. She got in six punches, knocked me to the ground before my team pulled her off.   They held her back. And she said, let me go and get my purse. They let her go.   And she gave me a kidney punch and took two weeks for the bruising to go, but she doubled my crowd. She can come back anytime she wants. But that was my fault.   And that was very memorable. So, I talk nicely to ladies now. One to one, one of the most memorable ones is a guy named Mario.   Our YouTube channel's got 1.57 million subscribers, just past 314 million views. And one of the best, most gripping encounters was with a guy named Mario. I went out on my bike.   My dog's on my bike. She's on a platform. She wears sunglasses.   I wear sunglasses. It gets people's attention. She's the best bait I've ever had when fishing for men.   Saw this guy standing by a tree on a pathway, and I said, “You want to come on camera?” He said, “Yeah.” I was surprised because I didn't have to talk him into it.   And he was quite arrogant, very handsome young man. And as we went through the commandments, I saw a tear well in his eye and roll down his cheek. And I thought, oh, no, God's doing a work in the heart of this guy, and I don't want to mess it up.   And so, I did my best to end up praying with him, and he was just beside himself in sorrow for his sin. And I think that's something like 4 million views on a YouTube channel. If you go to the most popular to see it, you'll see him there.   But that was a very memorable encounter. One that I often think when I'm going out on my bike each day. Lord, give me a Mario today, please.   Laura Dugger: (33:55 - 34:58) When was the first time you listened to an episode of The Savvy Sauce? How did you hear about our podcast? Did a friend share it with you?   Will you be willing to be that friend now and text five other friends or post on your socials anything about The Savvy Sauce that you love? If you share your favorite episodes, that is how we continue to expand our reach and get the good news of Jesus Christ in more ears across the world. So, we need your help.   Another way to help us grow is to leave a five-star review on Apple Podcasts. Each of these suggestions will cost you less than a minute, but it will be a great benefit to us. Thank you so much for being willing to be generous with your time and share.   We appreciate you. It's compelling to hear this and inspiring, but then also if we're going back to talking about the fears. What fears do you see holding people back from giving this a try or from evangelizing in general?   Ray Comfort: (34:59 - 37:37) That is a great question, and you provoke something very important. I've traveled on about 2,000 flights, itinerating over the years, and so many times I've prayed, and when there's an empty seat on a plane beside me, I always pray for the person who's going to sit there. This is the prayer I subliminally pray.   Lord, please don't let this guy show up. That's what I pray. And then he shows up, and I share the gospel with him.   My hardest, my biggest mountain to climb was how do you bring the subject up? Okay, I'm on a plane. This guy's a businessman.   He's wearing a three-piece suit. He's very intimidating, and I've got to talk to him about the things of God and sin and righteousness and judgment. How do I bring the subject up with this guy?   Oh, see those clouds? Guess who made the clouds? God.   No, it's just terrifying. But I learned something many years ago that just dissipated that fear of man and the fear of women, and that's this. I just say to any stranger, “Do you think there's an afterlife?”   That's a simple question. Do you think there's life after death? I haven't mentioned God, Jesus, Heaven, Hell, sin, righteousness, judgment, any of those things that make him feel uncomfortable.   I just said, do you think there's an afterlife? And this is how I do it, and I've done it many times. I'm at the ministry now in our studio.   Many a time I've had workmen come. Let's say there's a plumber working on something. I go up to him and say, “Hey, how are you doing?”   He says, “Good.” I'm Ray. What's your name?   He says, “Eric.” Nice to meet you, Eric. Eric, what?   I've got a question for you, “Do you think there's an afterlife?” Eric stands up and says, “I don't know.”   I say, “Do you think about it much?” Yeah, all the time. His all the time just dissipated my fears.   He's not antichrist. He hasn't stabbed me to death. He's a normal human being.   He thinks about the issues of life and death all the time. And so, I've got confidence. And the thing that got me in there was that question, do you think there's an afterlife?   You can ask anyone. Even Uncle Arthur at the Christmas lunch, sitting there and usually he's working. Uncle Arthur, do you think there's an afterlife? Haven't mentioned God, Jesus, Heaven, Hell. Just let him talk.   He says, “Oh, I don't know about heaven.” So Rich, “You ever read the Bible?” Oh, let me get you my Bible.   Let me lend it to you. It just opens the door and lets them do the talking. So never forget that.   You can talk to any stranger about the things of God by just asking that question. Do you think there's an afterlife? And I do it every day.   Laura Dugger: (37:38 - 37:57) Wow. And I love it, even before we began recording when we were just getting to know each other for a moment. And then you said, well, before we begin, shall we do this in the flesh, or should we pray?   And I love that. I think that's such an approachable first step to this.   Ray Comfort: (37:57 - 38:07) Well, you just have to do something in the flesh to know how terrible it is. You need a pulpit, and you think, oh God, I need your help. So, I always pray.   Laura Dugger: (38:08 - 38:24) Absolutely. That's very relatable. And so, if we're considering this invitation to evangelize publicly, what do you think this looks like for men and for women?   And do you see any difference between the two?   Ray Comfort: (38:25 - 39:21) Yes, I do. When I look at my wife, I see different from the local workman that comes to work around our home. But physically, no, I don't.   Yeah. When Jesus had gone to all the world and preach the gospel to every creature, he didn't say, “Oh, that's just for men.” No.   Look at the woman at the well. She went off and shared the gospel with the whole village. And so, if a woman's got the courage to stand up and do what men won't do, God bless her.   I think that's wonderful. And so, I'm all for women and women stay silent at the church. Well, that's for the church.   That's church discipline. But when it comes to sharing the gospel, telling people how they can find everlasting life, women can do just as well with men and a woman can do good with five people or 10 people. Now she can gather a crowd of 200 at a university and share how to find everlasting life.   God bless her. And thank you for her, Aud.   Laura Dugger: (39:22 - 39:35) Thank you for sharing that. And can you think of just an easy or approachable next step, something that we could do today that takes inspiration from this conversation and turns it into action?   Ray Comfort: (39:35 - 39:38) Yes. Get the book.   Laura Dugger: (39:40 - 39:41) Absolutely.   Ray Comfort: (39:41 - 39:48) And I'll watch our YouTube channel too. I love it. It'll really help you build confidence.   Thank you for that.   Laura Dugger: (39:49 - 40:01) My pleasure. So, if we do determine that we're going to apply what we've learned today, then there's another side to this as well. What kind of attack can we expect from our enemy?   Ray Comfort: (40:02 - 42:34) Oh, full on. You're going to get negative thoughts. You can't do this.   You shouldn't do this. What are you going to do if you dry up? The dry up thing is a real big fear.   I'm going to get up there and I'll say, “My mind's gone blank.” Well, just have a Gospel of John in your pocket, a little New Testament, maybe a little Gideon in your pocket there. And if you dry up, just say, “Oh, excuse me, I want to read this to you.”   You've got John 3:16, corner turned down. Just say, “For God so loved the world and gave his only begotten son who believes in him shall not perish but have everlasting life.” Please think about that.   Close it and get down. Or you can keep speaking. And so, if you've got an out, that will dissipate your fears if you know you can get out if that happens.   I've used it many a time. I mean the fear of every preacher is drying up in a pulpit. I remember I was in a church of 3,000 once and I lost my place.   So, you know what I did? I just said, look at that over there. And everyone looked at the wall.   I said, I just lost my place. Or I'll say something like this. “Turn to Leviticus 15:3.”   And everyone goes, shh, shh, shh. I look for my place. I've got my thoughts back.   And they say that was a fake scripture. I don't know what it is. I wanted to do something while I was trying to find my place.   And there I've never had problems drying up in the pulpit because I know that's my way out. And it's the same with open air preaching. If you dry up, you're just going to quote John 3:16 or begin reading Genesis chapter 1 to the crowd.   “In the beginning, God created the heavens and the earth.” And just knowing you've got that out will help dissipate your fears. And when you're finished, you'll have such a joy.   I say to our team, whenever you go to preach the gospel, you're dragging your feet. When you come back, you'll be clicking your heels.   And that's exactly what happens. You'll have such satisfaction that you did what you know you should. You overcame that Goliath.   You ran at Goliath and overcame your fears. And so just do it. If you want to learn to swim, you don't study water.   You jump in. That's the best way to learn to swim. And, you know, if you're going to drown, it's a pity more people don't know this, but if you just relax, you'll float.   If you panic, you'll probably sink. And it's the same with this. Don't panic.   Just trust in the Lord. Say, “Lord, you'll fill my mouth. You'll help me out with this.”   And he'll float. He'll float you. He'll take you by the hand, and you'll be fine.   I've done it thousands of times, and God's never let me down.   Laura Dugger: (42:36 - 43:00) Amen. I hope we all are willing to give it a try. I think that you really articulated it well when you narrow it down to that fear of man, fear of woman.   And I love also that just do it, and we can do it scared. But you're so full of these practical tips. There's one about hecklers that we haven't covered yet.   Can you share your perspective on hecklers?   Ray Comfort: (43:01 - 44:02) Hecklers are wonderful. If you fear hecklers, you're fearing the thing that could make what you're doing a great success. A good heckler, if he's handled well, can take a crowd of 15 people to 150 people in about 30, 40 seconds.   And all you do is let him vent. There's one, I think we've got, it's called The Angry Atheist. I think it's one of our videos.   And this guy was furious, a Christian. So, I just let him vent, and the crowd thickened up, and then we started one by one dealing with his problems. And just always remember a soft answer turns away wrath.   If someone's angry, you just speak, what's your name? And they'll say, “Oh, John.” Nice to meet you, John.   That's a nice sweater. I remember once a lady came up, this young lady. She was really angry, and I did say the sweater thing to her when she was yelling at me.   I said, “That's a nice sweater.” She said, “Really?” I said, “Where'd you get it?”   And so, a soft answer turns away wrath. So, you just learn these little things that can really help.   Laura Dugger: (44:03 - 44:14) I love that. And just as a model for us, if we want to share the good news of Jesus, you've done this time and time again. Will you share it with all of us now?   Ray Comfort: (44:16 - 46:05) What are you trying to do to me? You mean you'd like the gospel? Absolutely.   One-minute gospel presentation. Okay, let's do a nutshell. Let me say, I'm meeting a stranger.   I'll talk directly to them. You know, God's placed a will to live within you. Something in you says, I don't want to die.   Did you know the Bible says, “Jesus Christ has abolished death and brought life and immortality to life through the gospel?” And the reason you're going to die is because you've sinned against God. And all you have to do for a few minutes with an honest heart is go through the commandments.   The seventh commandment says, “You shall not commit adultery, but Jesus said if you look at a woman with lust, you commit adultery in your heart, lying lips and abomination to the Lord. No thief will inherit God's kingdom.”    Ever stolen something? Ever used God's name in vain? And if you've been honest, you'll know you've sinned against God. And if all your sin comes out on Judgment Day as evidence of your guilt, you're going to end up justly in Hell, and that breaks my heart.   And God is not willing that any perish. The Bible says, “He has no pleasure in the death of the wicked, and he's provided a way for you to be forgiven by Christ dying on the cross.” We broke God's law.   Jesus paid the fine. It's as simple as that. That means you can leave the courtroom.   God can dismiss your case. He can take death off you because of what Jesus did through his death and resurrection. And all you have to do is so simple a child can understand it.   You must repent, turn from your sins. You'll never do that while you think you're a good person. And trust in Jesus like you trust a parachute.   The minute you do that, you've got God's promise, and he cannot lie. He'll grant you everlasting life as a free gift, not because you're good, but because He's good and kind and rich in mercy. And don't put it off until tomorrow because you may not have tomorrow.   Fifty-four million people die every year. Today, if you hear his voice, don't harden your heart.   Laura Dugger: (46:07 - 46:10) It just never gets old hearing that.   Ray Comfort: (46:10 - 46:10) No.   Laura Dugger: (46:10 - 46:28) Thank you. And you also bring up even so clearly from scripture but sharing repent and believe. And is there anything else that you would want to make sure that we wouldn't leave out of a conversation if we were evangelizing to someone?   Ray Comfort: (46:29 - 48:02) Well, another good question. Yeah, a lot of people are saying all you have to do is believe. Just believe.   They say if you repent, that's works. Well, by saying you have to believe, that's works. If you have to do anything, believe.   No, the Bible says, “By grace you're saved through faith, through faith, and not of yourselves.” It's God's grace that saves us. But if you read scripture, it comes through repentance and faith.   And the reason they want to drop repentance is because they don't see the true nature of sin. And what the commandments do, the Ten Commandments, they open up the law and show sin to be exceedingly sinful, and that necessitates repentance. Like with David, when he realized he'd committed adultery and lied and stolen his neighbor's wife, covered his neighbor's wife, murdered his neighbor, that's when he cried out, “Oh, have mercy upon me, oh God, according to your lovingkindness.”   If Nathan hadn't said, “Why have you despised the commandment of the Lord, and David hadn't said, I've sinned against heaven, he would have just said, oh, just believe. No, he had to get before God and agonize. Scripture says, “Cleanse your hands, you sinners.”   Purify your hearts, you double-minded. Let your laugh to be turned to mourning and your joy to heaviness.” That's contrition.   And the law that shows us the nature of sin produces contrition, sorrow for sin, which works repentance, godly sorrow, works repentance unto life. So, it's most necessary to preach, as Jesus did, repent and believe in that order.   Laura Dugger: (48:04 - 48:13) That is so good. Ray, where can we go to continue learning from you and continue to be inspired by the faithful work that you're doing?   Ray Comfort: (48:14 - 48:46) Very kind of you to say that. LivingWaters.com, sign up for our newsletter. We've always got interesting stuff.   We give away a lot of stuff. Watch the YouTube channel. We have different videos each day.   We put one up four days ago that's had 4.6 million views. And so, it's a wonderful way to reach the lost. So, follow us.   Just become part of a YouTube channel, subscribe, and that really helps us and helps further our reach. So LivingWaters.com and LivingWaters YouTube.   Laura Dugger: (48:47 - 49:05) Wonderful. We'll make sure to add those links in the show notes for today's episode. And as you already know, our podcast is entitled The Savvy Sauce because savvy is synonymous with practical knowledge.   And so, as my final question for you today, Ray, what is your Savvy Sauce?   Ray Comfort: (49:06 - 49:12) My wife. Is that okay to say that?   Laura Dugger: (49:12 - 49:17) I love that. Do you want to say anything more specific about her?   Ray Comfort: (49:17 - 49:44) Sue and I have been married for 108 years, 54. We love each other. She's my best friend.   She works at the ministry and also I love my dog. And one thing I might say just as we close is don't call this anything to do with evangelism. That'll kill.   Use the word apologetics or say Ray Comfort says this about his wife. Anything other than evangelism that scares Christians off.   Laura Dugger: (49:45 - 49:50) Wow. Interesting. So that's been your experience.   That makes sense.   Ray Comfort: (49:51 - 50:25) Yeah. That's a principle we use at the ministry. If we have a conference, don't mention evangelism.   No one will come. It's like someone saying to me, “Hey, want to go door knocking, tell people about Jesus?” I go; I just wouldn't want to do that.   And there's a reason for it. As a new Christian, I knocked on someone's door, fully aware that Jehovah's Witnesses had stolen our thunder, and I said to this lady, “Hello, I'm not a Jehovah's Witness.” She said, “Well, I am.”   And so, I've got this aversion to door knocking, and that's what most Christians are like when it comes to evangelism. So, call it something else.   Laura Dugger: (50:25 - 50:50) Wow. So practical, again. And Ray, you've just stewarded your many gifts that God has given you.   You've stewarded them so well and so wisely. I can just imagine God greeting you someday and having just, well done, good and faithful servant. So, thank you for generously taking the time to share with us today.   I'm grateful for you, and I just want to say thank you for being my guest.   Ray Comfort: (50:51 - 50:52) Well, thank you for having me.   Laura Dugger: (50:53 - 54:35) One more thing before you go. Have you heard the term gospel before?   It simply means good news. And I want to share the best news with you. But it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there is absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death, and we can never pay back the sacrifice we owe to be saved.   We need a savior. But God loved us so much, he made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life we could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus.   We can be covered and justified through the work Jesus finished if we choose to receive what He has done for us. Romans 10:9 says, “That if you confess with your mouth Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.” So, would you pray with me now?   Heavenly Father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life?   We trust you to work and change lives now for eternity. In Jesus' name we pray. Amen.   If you prayed that prayer, you are declaring him for me, so me for him. You get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason.   We want to give you practical tools to implement the knowledge you have learned. So, you ready to get started? First, tell someone.   Say it out loud. Get a Bible. The first day I made this decision, my parents took me to Barnes & Noble and let me choose my own Bible.   I selected the Quest NIV Bible, and I love it. You can start by reading the book of John. Also, get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ.   I'm assuming they will be thrilled to talk with you about further steps, such as going to church and getting connected to other believers to encourage you. We want to celebrate with you too, so feel free to leave a comment for us here if you did make a decision to follow Christ. We also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “In the same way I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

We explore whether Canada is moving toward a "renters economy" where more people rent homes rather than own them. It examines historical housing trends, current market conditions, and international comparisons to assess if Canada is following countries like Germany where renting is normalized. "You'll own nothing and be happy" represents a subscription-based future economy Canadian homeownership rose from 40% (1940) to 60% (1970s) due to post-WWII government policies Millennials face the highest barriers to homeownership Current construction favors rental units (108,000) over condos, boosted by CMHC incentives Germany normalizes renting with strong tenant protections, 11-year average tenancies Real estate makes up 28% of Canada's GDP, possibly diverting investment from more productive sectors A rental economy shift could improve tenant protections and amenities while increasing property values Canada appears to be gradually shifting toward a rental-focused housing landscape Exchange-Traded Funds (ETFs) | BMO Global Asset Management Buy & sell real estate with Ai at Valery.ca Get a mortgage pre-approval with Owl Mortgage Go AD FREE free 1 week trial for Realist PremiumSee omnystudio.com/listener for privacy information.

Send us a textIn a Bull Market, risk-adjusted return is an afterthought. It is seldom talked about, and I get it. We want total return. Show me the money.In this episode we cover what is risk-adjusted return, how to use it and how you can easily calculate it.LemonadeTake 3 minutes to get a no obligation quote on Pet, Renters, Home, Auto insurance. Use the link below for a 10% discount. (US only)https://go.lemonade.com/visit/?bta=38304&brand=petHow to Calculate Risk Adjusted Return?Risk-Adjusted Return Calculator - Calculator AcademyContact Tom & RadishX                        @SavingsCaptainEmail                thesavingscaptain@gmail.com    

We've managed multiple rentals over the years—and today, I'm sharing exactly what renters care about… and what they couldn't care less about. This episode breaks down real, firsthand feedback we've received and how you can use it to focus your time, energy, and budget where it matters most when preparing your property for renters. What You'll Learn: What makes renters feel instantly at home Where to invest when updating a rental What details can you skip to save money and stress Whether you're a seasoned investor or prepping your first rental, this episode is packed with practical, real-world advice. Links: Furniture Flipping Academy: https://learn.mycreativedays.com/academy Dixie Belle Silk All-In-One Mineral Paint: https://bit.ly/3HReHEh Use code Mycreativedays10 at Luminara candles: https://bit.ly/4jZoSUq Use code Mycreativedays10 at Surf Prep Sanding: https://www.surfprepsanding.com?aff=42 _________________________________________________________________ Do you love decorating your home but have a small budget? My Creative Days shares creative ways to upcycle, repurpose, and DIY your way to a beautiful home on a budget. New video content is released every Wednesday and Friday, and shorts are delivered every day. Hit the SUBSCRIBE button and click the bell to be notified when new videos are launched! Thank you for sharing my channel with your family and friends. _________________________________________________________________ New to My Creative Days? Learn more about MCD here: https://www.mycreativedays.com/ Listen to the podcast: https://learn.mycreativedays.com/podcasts/my-creative-days Pin with me: https://www.pinterest.com/mycre8tivedays/ Join me on Instagram: https://www.instagram.com/mycreativedays/ Join me on FB: https://www.facebook.com/mycreative.days Grab MY FREE Guide - Thrifting For Your Home: https://learn.mycreativedays.com/newsletter Grab MY FREE E-Book: The Struggles of Furniture Flippers and How to Overcome Them: https://learn.mycreativedays.com/furniture-flipping-newsletter Want to learn how to flip furniture successfully and for profit? I created The Furniture Flipping Academy for you! Learn more here: https://learn.mycreativedays.com/academy Find more creative content to inspire you here: https://learn.mycreativedays.com/links ______________________________________________________________ Disclosure Statement: These links contain affiliate links. I will receive a commission for items purchased through these links at no extra cost. I appreciate your support. Please read all labels and follow all manufacturer safety recommendations when working with paints, stains, and other equipment, and wear and use appropriate personal protection equipment. Viewers should attempt these projects at their own risk. ____________________________________________________

Send us a textIn this episode I am not going to tell you to buy or not to buy YieldMax ETFs. I am going to tell you what you should think about if you do decide to invest in them. LemonadeTake 3 minutes to get a no obligation quote on Pet, Renters, Home, Auto insurance. Use the link below for a 10% discount. (US only)https://go.lemonade.com/visit/?bta=38304&brand=petContact Tom & RadishX                        @SavingsCaptainEmail                thesavingscaptain@gmail.com   

Dan Maitland, Fleet Manager at Ajax Paving, has worked on both sides of the rental industry. From sales and branch management to managing a construction fleet, he shares practical tips on building trust, running effective account reviews, and improving customer retention in the equipment rental business.

Labour's homelessness minister, Rushanara Ali, has resigned from government after it emerged she evicted four tenants from a property she owns - before re-letting it just weeks later and hiking the rent by £700 a month. The move would likely be prohibited under Labour's Renters' Rights Bill, which introduces new protections for tenants. When Labour's Renters' Rights Bill comes into force, this action will be illegal. We hear from The Standard's Chief Political Correspondent Rachael Burford, and Anny Cullum, political officer with the community and renters union ACORN. And in part two, journalist Arielle Domb investigates why people are administering their own botox cosmetic treatments. What's behind the DIY movement, and what are the risks? Hosted on Acast. See acast.com/privacy for more information.

On this episode of Agency Nation Radio, we meet John Bradford, founder & CEO of PetScreening in Charlotte, North Carolina. Bradford is on a mission to make life better for pets. After starting out in the property management world—first managing his own rental units, then expanding to investor portfolios—he saw firsthand how pet ownership impacted housing. That insight led him to launch PetScreening, a software-as-a-service (SaaS) platform that helps streamline offering pet and renters insurance. At the heart of it is the proprietary FIDO Score™, a data-driven tool to assess pets more fairly than outdated breed restrictions. Today, the platform is used by about 1 in 7 rental units in the U.S. “Our goal is to help change hearts and open eyes when it comes to breed restrictions,” Bradford says. “We can't force anyone to accept every dog, but we can give them the data to make better decisions.” Agency Nation Radio is where insurance professionals turn on the mic and share unscripted stories about leadership, technology, marketing, success and failure—stories that helped make them the professionals they are today. From Main Street USA to the pages of Independent Agent magazine—we've got the stories you want to hear. For more, catch Agency Nation Radio on your favorite streaming platform or visit iamagazine.com/category/podcasts. Bradford was also featured in the August issue of Independent Agent. Check out his interview here or read the full issue online.

Send us a textIn this episode we review the Radish portfolio...that dog just crossed a milestone!We spend some time going over some macro trends to be on the lookout and how a recent visit to Texas Roadhouse helped me put the growth story on Apple in perspective.  LemonadeTake 3 minutes to get a no obligation quote on Pet, Renters, Home, Auto insurance. Use the link below for a 10% discount. (US only)https://go.lemonade.com/visit/?bta=38304&brand=petContact Tom & RadishX                        @SavingsCaptainEmail                thesavingscaptain@gmail.com   

California's tenant protection laws are among some of the strongest in the nation. But the recent increase in immigration enforcement is impacting the dynamic between landlords and undocumented tenants. That's according to a story from our California newsroom partner, Cal Matters. Guest: Ben Christopher, CalMatters California politicos are reacting to a decision by former Vice President Kamala Harris not to run for governor of California. Reporter: Scott Shafer, KQED Learn more about your ad choices. Visit megaphone.fm/adchoices

Zego is out with its fifth annual 2025 Resident Experience Management Report, and it points to how multifamily operators can drive tenant and revenue retention by aligning more closely with what today's renters truly value. Joining the program to elaborate on the report are Zego executives Eric Ives, president and general manager, and Don Knoelke, resident experience product manager. (07/2025)

Zego is out with its fifth annual 2025 Resident Experience Management Report, and it points to how multifamily operators can drive tenant and revenue retention by aligning more closely with what today's renters truly value. Joining the program to elaborate on the report are Zego executives Eric Ives, president and general manager, and Don Knoelke, resident experience product manager. (07/2025)

MUSICThere's a partial verdict in the Sean "Diddy" Combs sex trafficking case. The jury reached a verdict on charges two through five, which are about sex trafficking and transporting people for prostitution. But jurors have not been able to agree on the RICO charge, alleging that Diddy was the leader of a sex-trafficking Green Day has a tradition at their shows of bringing someone onstage, handing them a guitar, and letting them play along on "Good Riddance". But it backfired on them Monday in Luxembourg.Foo Fighters have dropped their first new song since 2023; a cover of Minor Threat's 80-second song "I Don't Wanna Hear It".Keith Urban was being interviewed and asked about his wife, Nicole Kidman, doing sex scenes with younger guys. Keith immediately hung up on the show. Here is the moment that Keith hung up on Australia's Mix 102.3 "Hayley & Max in the Morning". TVRyan Seacrest posted some pictures on Monday where he's . . . just living his life, apparently. And the Internet decided that he looks TOO THIN. 55-year-old Julie Bowen thought she was going to die when she was 29 because she had to get a pacemaker. Jennifer Aniston will star in a TV series based on "I'm Glad My Mom Died", the autobiography of "iCarly" star Jennette McCurdy. MOVING ON INTO MOVIE NEWS:Check out the trailer for the new "Running Man" flick, starring Glenn Powell. It will be out on November It's that time of year again . . . Hallmark's annual Christmas in July programming kicks off Saturday. Besides the return of fan-favorite movies, there will be a new reality series called "Christmas at Sea". AND FINALLYHoops ... Fans of Michael Jordan who want to live like the six-time NBA champion now have a very expensive option. Jordan's former home in Highland Park, Illinois, is now available to rent through Airbnb. Champions Point is a seven-bedroom, 17.5-bath estate that can accommodate 14 guests. The mansion features a movie theater, commercial gym, cigar lounge, wine cellar, pool tables, bars, salon, saltwater aquariums, and a full-size basketball court. Renters have to use the place for seven nights – and fork over about $121,000. AND THAT IS YOUR CRAP ON CELEBRITIES!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.