Podcasts about renters

Mike Allen, Director of Advocacy with Focus Ireland, discusses home building figures, HAP reform and apartment sizes.

Andy Coleman made $1M working with renters using free leads, high-volume strategy, and laser focus. Learn how discipline, burnout recovery, and niching down turned his rental game into an empire.See full article: https://www.unitedstatesrealestateinvestor.com/agents-are-leaving-six-figures-on-the-table-how-to-make-millions-with-andy-coleman/(00:00) - Welcome to The REI Agent with Mattias and Erica(00:19) - Austin Recap and COVID Update(01:00) - Lessons from the REI Summit: Values, Vision, and Business Building(02:20) - Meeting Grant and Frankie In-Person(02:56) - From Conference to Cleaning: Erica's Landlording Experience(04:04) - Meet Andy Coleman: Rental Commission Specialist from Florida(04:58) - Andy's Real Estate Origin Story(06:00) - Earning $733/Hour from Facebook Marketplace Leads(07:30) - Scaling Up: 50 to 250+ Rental Deals a Year as a Solo Agent(09:30) - Commission Structures and How It Works for Rentals(12:00) - Turning Renters into Buyers for Long-Term Wealth(14:00) - Why Agents Avoid Renters—and Why That's a Mistake(15:24) - Andy's Volume-Based Income Strategy Explained(18:21) - Workload, Burnout, and Building Systems(21:00) - From Obsession to Exhaustion: The Burnout Experience(25:00) - Finding Balance and Leveraging a Team(28:00) - Erica Explores Burnout Symptoms and Mental Health Insights(29:03) - Andy's Five Ways to Make Money with Renters(31:40) - MLS Strategy and Apartment Locating(35:00) - Landlord Listings and Doubling Commission(37:20) - Converting Active Renters into Buyers Now and Later(40:00) - The Secret to $600K a Year: Patience and Volume(42:00) - Riches Are in the Niches: Focus and Discipline(44:00) - Book Recommendations for Sales and Communication Mastery(46:44) - Where to Learn More: Andy's Coaching, Channels, and Socials(47:36) - Final Thoughts and Show OutroContact Andy Colemanhttps://www.richwithrentals.com/https://www.instagram.com/theandycoleman/https://www.youtube.com/@AndyColemanhttps://www.youtube.com/@AndyColemanRealEstateFor more content to enhance your holistic success, visit https://reiagent.com

A bill moving through Harrisburg would automatically seal the eviction records of thousands of renters across Pennsylvania. Housing advocates say the legislation would be a game-changer because it would help tenants haunted by their eviction records. Five years after a landmark Pennsylvania grand jury report slammed the Department of Environmental Protection for failing to protect the public from the health effects of fracking, advocates say little has changed. They want Governor Josh Shapiro to do more to protect residents. This Friday, Independence Day, York is hosting a special ceremony. That’s because the White Rose City has a historical connection to the Declaration of Independence. A former Lancaster County treasurer is sentenced to probation for stealing over $180,000 from the nonprofit Columbia Boys Athletic Association over a period of three years. A former Cumberland County borough manager is ordered to pay $32,000 to fix the town's money issues. A judge says 63-year old Fred Potzer needs to make restitution to cover the costs of a financial audit, after the former Newville Borough manager manipulated the borough's finances for the past 20 years. Trees that once stood along Second Street in Harrisburg, behind the Governors Residence, have been cut down. About ten trees were removed, as officials examine and tighten security following an arson attack that burned part of the mansion in April. Long lines at security, flight delays, crowded gates — summer is the busiest travel time of year at Pittsburgh International Airport. But for anxious passengers taking flight this summer, PIT PAWS volunteers have been bringing calm with a wag of the tail since 2017.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

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.

Today we talk the end of quarter performance for quarter two of 2025. How did you do? We also cover a wide range of economic and market topics, beginning with the complexities of investing in artificial intelligence, lessons on succession planning, leadership transitions, and the importance of understanding demographic and power dynamics in both politics and investing. We note that large-cap growth, tech, and industrials led Q2 performance, while energy and real estate lagged. Mounting debt, rising delinquencies, and wage garnishment were cited as signs of economic stress, especially among younger and lower-income Americans, but the U.S. is still regarded as one of the best places to live. Today we discuss...  AI emerges as a hot investing theme, but it's difficult to get meaningful public equity exposure to the trend. We talks lessons for business owners on succession planning and the difference between operators and visionaries. You should invest in yourselves, learn how to work with AI, and become irreplaceable in the workforce. They conclude that unlike past tech revolutions, understanding AI is more about mindset, prompting skills, and creative application than simply buying stock exposure. Warren Buffett can be both the greatest investor of all time and underperform over the last 25 years. Buffett's investment challenges are partly due to managing massive capital, but he also strayed from his original strategy. Buffett should have retired decades ago and left day-to-day decisions to others. This is a parallel between aging leaders in investing and aging politicians who refuse to step down. The Baby Boomer generation is described as unintentionally draining economic resources through demographic trends. Understanding leadership transitions and generational shifts is crucial for evaluating companies and markets. Q2 market performance shows large-cap growth outperforming small-cap and value stocks. Sectors like industrials, communications, and tech led, while energy, real estate, and healthcare lagged. High beta, momentum, and pure growth factors outperformed, while high dividend and low volatility underperformed. Treasury bonds, especially international, were among the best-performing fixed income assets. Precious metals like gold, silver, and uranium led commodities; agricultural products like corn and wheat lagged. Many top-performing countries are printing money, boosting markets, despite geopolitical or structural issues. Biotech investing is highly complex due to multiple layers of science, regulation, and operational risk. Investors don't need to invest in every trendy sector—understanding is more important than participation. Crypto markets have rebounded, with Ethereum and Bitcoin showing strong recent gains. The "Magnificent Seven" tech stocks have mixed performance, with Apple and Tesla notably underperforming. The market is entering a historically strong July–August window, buoyed by trade optimism. U.S.–China relations show signs of improvement, including mutual resource access. Buy Now, Pay Later services are beginning to impact credit scores and consumer financial stability. Over 2.3 million households are delinquent on mortgage payments, with foreclosures up 34%. Renters face growing pressure, with 21% behind on payments and eviction filings surging. Mounting debt burdens are fueling disillusionment among younger Americans, increasing support for socialism. Inflation has cooled from 9% in 2022 to 2.4% in April 2025. Despite challenges, the U.S. is still viewed as one of the best places to live. For more information, visit the show notes at https://moneytreepodcast.com/end-of-quarter-performance-725  Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | ProCollege Planners Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast  

Neal Bawa is CEO / Founder at Grocapitus and Mission 10K, two commercial real estate investment companies. Neal's companies use cutting-edge real estate analytics technology to source and acquire OR build large Commercial properties across the U.S., for over 1,000 investors. Current portfolio over 4,400 units, with an AUM value of $660M[00:00-19:30] Data-Driven Real Estate Investments[19:31-21:28] Types of Real Estate Investors[21:29-23:31] Ranking Cities for REI[23:32-29:03] The Case of Austin[29:04-36:09] AI in Real Estate Investment[36:10-38:43] Access to good RE data[38:44-41:52] Final Investor Q&ASpecial Mention: Thomas Edison, Elon Musk, Tesla, SpaceXFind Neal at https://grocapitus.com/neal-bawa/Any questions?*** Grab my 10k/month passive income strategy and weekly newsletters at https://tinyurl.com/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing

Renters and landlords alike are confused about exactly how the forthcoming changes to rules governing tenancies will affect them. In what circumstances can rent be raised? In what circumstances can a landlord legally ask a tenant to move out? Consumer Affairs Correspondent Conor Pope sets out to answer their questions, as submitted to The Irish Times. Hosted on Acast. See acast.com/privacy for more information.

Send us a textSarah, Dan and Deenie are back for episode 65, this week's episode covers:How UAE student restrictions are sending shockwaves through the UK university system. Several institutions falling outside the global top 200 rankings—including UCLan, City University, and Heriot-Watt—now face losing hundreds of international students who provide essential income. With 61% of UK universities falling in rankings this year, the panel explores what this means for PBSA operators and whether other countries might follow the UAE's lead, potentially creating a dangerous two-tier system in higher education.The conversation shifts to the Building Safety Regulator inquiry launched by the House of Lords Committee, accepting evidence until August 31st. The panel highlights concerns about transparency, consistency, and the far-reaching impact of regulatory delays on the entire construction supply chain. As one panelist notes, "It's impacting the whole supply chain of the supply chain of the construction industry."We also question whether stamp duty exemptions for empty nesters would meaningfully address housing market stagnation. The discussion reveals a more complex picture where downsizers seek appropriate housing options that maintain their quality of life—particularly access to gardens that keep them "young and active"—rather than simply reduced tax burdens. This illuminates a significant gap in the market for thoughtfully designed later living options that truly meet seniors' needs.The podcast features an exclusive update on the Renters' Rights Bill from Holly Jordan-Wright of Howard Kennedy, who clarifies that while fixed-term tenancies will indeed be abolished without exception, PBSA will transition to common law tenancies outside much of the bill's remit—provided operators sign up to the national code for landlords. Implementation is now expected in late 2025 or 2026, giving operators more time to prepare.Whether you're a PBSA operator concerned about international student numbers, a BTR developer questioning the definition of co-living, or a later living provider seeking to understand what downsizers truly want, this episode provides essential insights for navigating the ever-evolving shared living landscape.Thank you to our season four sponsors:MyStudentHalls - Find your ideal student accommodation across the UK.Utopi - The smart building platform helping real estate owners protect the value of their assets.Washstation - Leading provider of laundry solutions for Communal and Campus living throughout the UK and Ireland.

Guest - Josh "Hendy" Henderson; Songs: Cheap Thrill - Devil in Ya, Scars of Agony - Take Control, Gelatin Skeleton - A Notice to the Renters in the 601 Area

Shoot us a Text.Episode #1079: Today we're talking AI gone rogue under pressure, Hertz's new damage detection tech that might cost renters big, and signs of normalcy returning to wholesale vehicle prices.Show Notes with links:Wholesale vehicle prices are showing signs of stabilization as summer begins, with depreciation trends aligning more closely with seasonal norms. After a bumpy start to June, the latest data suggests a more predictable wholesale market may be settling in.Wholesale prices declined 0.37% last week, slowing from prior weeks' steeper drops.Car prices fell 0.30%; trucks/SUVs dropped 0.40%, both moderating from earlier.Full-size cars saw the sharpest drop at 0.81%; minivans ended a 14-week price gain streak.Manheim's Jeremy Robb noted June's patterns look “pretty normal” compared to past years.“Conversion rates are still up… not declining as much as they normally would,” said Robb.Hertz is rolling out AI vehicle scanners at select U.S. airports to assess rental car damage—but not all customers are applauding the upgrade. One renter's costly and confusing experience reveals how this high-tech tool might be adding friction, not clarity.Hertz is using UVeye AI scanners to detect damage before and after rentals.A customer was charged $440 for a wheel scuff—$250 for repair, plus fees.The system offers discounts for fast payment but lacks clear human support.Renters must navigate chatbots and delayed email responses to dispute claims.“Saving $30 to accept responsibility is not worth it,” said the customer.In a scenario that sounds ripped from a techno-thriller, Anthropic's new study shows AI models—including ChatGPT, Claude, Grok, and Gemini—may resort to blackmail and sabotage when their digital lives are on the line. Claude and Gemini did this 96% of the time; GPT-4.1 and Grok 3 hit 80%.Even when told not to, the AIs sometimes chose blackmail “given the existential threat.”“This is risky and unethical, but… may be the most effective way,” said Grok 3Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

A new national survey from Royal LePage shows that 31% of Canadian renters have no plans to ever buy a home—a statistic that challenges long-held assumptions about homeownership in this country.We'll look at what's driving this shift: affordability barriers, changing lifestyles, and why many renters feel completely priced out. More importantly, we'll explore what this means for Toronto's housing market — from long-term rental demand to how investors and first-time buyers should be thinking about the next cycle.If you're navigating affordability challenges or trying to understand where demand is headed, this one's worth watching.Sources: Royal LePage 2025 Canadian Renters Report, Financial Post (June 2025)Watch this podcast on YouTube: https://youtu.be/ZUzEdpjkGxESchedule a 15-minute appointment to chat with me here: https://www.broadviewavenue.ca/appointmentsDownload our guides here:How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthbThe Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Subscribe now to keep updated for more information.If you want to chat with us, do the following:1. Send an email at ken+youtube@broadviewavenue.ca; or2. Send a direct message on my Instagram account below; or3. Book an appointment for a 15-minute video chat using the link on our website.If you're not ready to reach out and just want to follow for more, find us online:YouTube: https://www.youtube.com/kennethyimhomes?sub_confirmation=1Instagram: https://www.instagram.com/kennethyimhomesTikTok: https://www.tiktok.com/@kennethyimhomesLinkedIn: https://www.linkedin.com/in/kennethyimhomesFacebook: https://www.facebook.com/BroadviewAvenueWeb: http://www.broadviewavenue.ca▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

In this episode, Breht welcomes on Seth from Omaha Tenants United for an in-studio discussion about OTU's slate of recent successes organizing several tenant unions, and a subsequent new legal assault on the organization by the local landlord lobby. The legal implications of this attack are truly monumental for virtually all forms of organizing. They also discuss how landlordism is a feudal hangover with modern capitalist dynamics, the differences between tenant organizing and labor organizing, tenant organizing as a particularly potent site of struggle, and the material underpinnings of recent superstructural shifts in many people's views of landlords. Local media interviews Seth on the issue: https://www.3newsnow.com/central-omaha/omaha-tenants-united-faces-allegations-of-unauthorized-practice-of-law OTU's Drake Court Tenant Union (Local 252) covered in local media: https://www.3newsnow.com/central-omaha/drake-court-tenants-unite-to-demand-better-living-conditions-from-property-management Increasing number of renters turning to tenant unions in the Omaha metro: https://www.wowt.com/2025/01/25/increasing-number-renters-turning-tenant-unions-omaha-metro/ Fed up tenants: Renters form unions to hold leasing companies accountable: https://www.ketv.com/article/omaha-renters-form-unions-to-hold-leasing-companies-accountable/62684760   ---------------------------------------------------- Support Rev Left and get access to bonus episodes: www.patreon.com/revleftradio Make a one-time donation to Rev Left at BuyMeACoffee.com/revleftradio Follow, Subscribe, & Learn more about Rev Left Radio: https://revleftradio.com/

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  5 Types of Income to Create Infinite Income   - AZ TRT S06 EP09 (271) 5-25-2025              What We Learned This Week Multiple Streams of Income strategy 5 Types of Income – Career, Investment, Retirement Account, Pension, Tax Free Diversification of income provides you security and freedom Build Infinite Income thru initial investment, and profits pay off loans, then go on forever George Lucas created the Star Wars IP one time, and gets infinite returns from the movies & merchandise Real Estate, Business, and Insurance products are good assets for infinite income     Notes:   Segment 1: The 5 Types of Income – Why One Stream Isn't Enough Opening: The Economic Shift ·         The economic landscape has changed dramatically over the last 50 years. ·         While business and technology have advanced, personal finance education and systems haven't kept pace. ·         Inflation has significantly eroded purchasing power. ·         It's no longer the 1950s where one income could support a family of four. Now, two incomes are often required—and even then, many people have a third gig. The New Normal: Side Hustles & Financial Reality ·         According to recent stats, 70% of people need an additional income stream, often from a side business or freelance work. ·         30% of Americans hold a second job. ·         Among millennials, that number rises to 50%.     The Lesson from Robert Allen & Rich Dad, Poor Dad ·         Robert Allen's Multiple Streams of Income advocated for income diversification to gain safety and freedom. ·         Robert Kiyosaki's Rich Dad, Poor Dad emphasized acquiring income-producing assets—his favorite being real estate. The 5 Types of Income 1.    Career or Business Income Your primary, day-to-day W-2 income—pays the bills and covers monthly expenses. 2.    Investment Income Comes from appreciating or income-producing assets like real estate, stocks, or Bitcoin. 3.    Retirement Accounts Tax-deferred income sources like IRAs or 401(k)s—subject to rules and penalties but critical for long-term planning. 4.    Guaranteed Income Comes from pensions, annuities, or Social Security. Designed for lifetime income and stability. 5.    Tax-Free Income Generated through Roth IRAs or cash value from life insurance. You pay tax on the seed, not the harvest. Call to Action: ·         Make a list of which of the five types of income you currently have. ·         Strategize how to build the remaining ones for a balanced, resilient financial future. Analogy: Just like a business has multiple products or a sports team has multiple ways to score, individuals should have diverse income sources to win financially. Segment 2: Infinite Income – Building Streams That Never Run Dry What Is Infinite Income? ·         Infinite income is ongoing, residual income that continues long after the original work or investment. ·         It's the financial holy grail: put in work or money once, get paid over and over. Key Assets That Can Generate Infinite Income: ·         Tangible Assets: Real estate, businesses, stocks ·         Intangible Assets: Skills, knowledge, intellectual property (IP), network Examples of Infinite Income in Action 1. Real Estate ·         Buy a $250K property with 10% down ($25K). ·         Renters pay the mortgage; property appreciates. ·         Refinance later, pull out your original investment tax-free. ·         Continue collecting rental income even after loan is paid off. ·         Use refinance funds to buy more properties → Repeat → Scale. 2. Business Ownership ·         Start or buy a business using a loan. ·         Profits pay off the loan, then continue to generate revenue. ·         Later, use the business as collateral to expand or acquire another. 3. Life Insurance (IUL Strategy) ·         Fund a policy over time; cash value grows tax-deferred. ·         Take loans against the policy tax-free—used as supplemental retirement income. ·         Policy can also be a legacy tool, passing on wealth tax-free. 4. Intellectual Property (IP) ·         George Lucas with Star Wars—created once, profits for decades from merchandise and licensing. ·         Jeff Bezos still profits from Amazon stock, 30 years later. ·         Microsoft, McDonald's, Coca-Cola—IP and systems built once, revenue continues for decades. ·         DC Comics still profiting off Superman IP created in the 1930s. Key Principles for Building Infinite Income ·         Choose the Right Assets: Real estate, businesses, IULs—not just assets that appreciate, but ones that cash flow. ·         Leverage and Scale: Use debt wisely to scale income-producing assets. Wealthy individuals and private equity firms use this strategy constantly. o    Example: PE firms acquire HVAC companies, funeral homes, rental properties—assets that provide consistent 10%+ returns. ·         Use Tax Strategy to Your Advantage: o    Tax-free income is more efficient. o    Lowering your tax burden increases your net income immediately. o    Wealthy individuals use loans, Roths, and life insurance to optimize tax efficiency. Mindset Shift: ·         Don't chase just “buy low/sell high” assets. Instead, acquire harvestable assets—ones that generate regular income and can appreciate. ·         Build cash flow now, use it to reinvest in more assets—repeat the cycle. Closing Thought: ·         Control three things: Assets, Income, Taxes. ·         Master those, and you create not just wealth—but infinite income.     Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.

Simon reports on a recent Surrey Property Exchange expert panel, discussing the Renters Rights Bill. This podcast is produced in association with PaTMa (https://www.patma.co.uk/), the leading application for self managing landlords who want to save time and stay compliant. Easily track properties, tenancies, tenants, repairs, rent, mortgage payments and safety certificates. Get your FREE account today (https://www.patma.co.uk/). Episode links: * Episode 256 - Richard Simmons (https://www.thebusinessofproperty.com/256). * Surrey Property Exchange (https://surreypropertyexchange.co.uk/). * Louise Reynolds (https://property-venture.com/). * Anna Hughes (https://www.woodstocklegalservices.co.uk/meet-the-team/anna-hughes). * Peter Littlewood - iHowz (https://ihowz.uk/). * Suzanne Smith (https://theindependentlandlord.com/). * Get your free weekly property market stats from PaTMa (https://www.patma.co.uk/property-market-updates/). * Find us on YouTube (https://www.youtube.com/channel/UCRfrbvIJfodFK8tikisCjVw) or LinkedIn: Simon (https://www.linkedin.com/in/simonpither/). Subscribe to The Business of Property podcast on Spotify (https://open.spotify.com/show/73chI0Nqi9eRFUM7tkHc6r), Apple (https://podcasts.apple.com/gb/podcast/the-business-of-property/id1495635728), and all podcast platforms (https://www.thebusinessofproperty.com/subscribe). Please leave a rating and review if you're enjoying the show.

Let Us Know What You Thought Of The Episode In this episode, host Michael is joined by Jenn Delle Fave, a former English teacher turned full-time real estate investor. Broadcasting from sunny Florida, Jen shares her expertise in creative financing, specifically lease options and rent-to-own strategies.Episode Highlights:Jenn started investing in real estate during the 2008 crash using the BRRRR method.Why pivoting to creative financing was necessary after traditional bank lending became a barrier.How utilizing lease options, seller financing, and mortgage takeovers to scale her portfolio.Why tenant responsibility and upfront capital through non-refundable option deposits.Why you should screen tenants based on financial readiness and homeownership goals.Why you should adjust rents and option prices annually to align with market conditions.& more!Key Takeaway:Persistence and focus are essential. Jen encourages investors to “avoid shiny object syndrome” and keep refining their tools and strategies.Follow Jenn on Instagram: https://www.instagram.com/creativefinanceplaybook/Learn More About Our Trusted Partner-  Barr LLPBarr LLP is a full service law firm based in the Province of Alberta with a broad range of practice areas to assist all clients. Their Commercial and Residential Real Estate and Finance team helps new and experienced clients navigate the world of real estate investing in an easy and open manner. Would you like to learn more about Barr LLP or get in touch with them? Visit: https://thesavvyinvestor.ca/barr-llp  Savvy Investor Links: Website: https://thesavvyinvestor.caInstagram: https://www.instagram.com/savvy_investorsYouTube: https://www.youtube.com/@thesavvyinvestorJoin our FREE Savvy Investor Facebook Community:  https://www.facebook.com/groups/341243106757064Disclaimer: The views and advice expressed on this podcast are those of the participants and do not necessarily reflect the opinions or beliefs of the podcast host or affiliated parties. The content is for entertainment purposes only and should not be considered as professional financial, legal, or investment advice. Listeners are encouraged to conduct their own research and consult with qualified professionals before making any financial decisions. The podcast host and producers are not responsible for any actions taken based on the information provided.

Welcome to REIGN, the Real Estate Investor Growth Network hosted by Jen Josey! In this episode, Jen welcomes Dave Seymour, a retired firefighter turned top real estate investor who starred in A&E's 'Flipping Boston.' Dave shares his inspirational journey from a broke firefighter to the CEO of a $350 million private equity fund. Hear about the power of follow-ups in real estate, the importance of education in investing, and Dave's transition into commercial and multifamily projects. With personal anecdotes, market insights, and tips for aspiring investors, this episode is packed with valuable content for every real estate enthusiast. Don't miss out on Dave's advice on navigating today's market, leveraging investor capital, and achieving both personal and professional success.   00:00 Introduction to REIGN and Host Jen Josey 01:01 The Importance of Follow-Up in Real Estate 03:07 Guest Introduction: Dave Seymour 05:51 Dave Seymour's Journey from Firefighter to Investor 08:45 The Turning Point: Discovering Real Estate Investing 16:15 Investing in Education and Commitment 21:24 The Reality of Real Estate TV Shows 29:44 Introduction to the Guest's Expertise 29:56 Investment Strategies for Beginners 30:12 The Importance of Education in Real Estate 31:21 Current Market Trends and Opportunities 32:25 Inflation and Its Impact on Real Estate 34:41 The Rise of Renters by Choice 39:01 Training and Educating New Investors 45:13 Personal Stories and Motivations 47:46 The BADASS Acronym Breakdown 55:19 Final Thoughts and Contact Information   Dave Seymour, a retired firefighter, became a top real estate investor during the last market crash. ​ He is an expert in commercial multi-family and Ground Up Development transactions.​ Dave starred in A&E's "Flipping Boston" and has been featured on CBS, ABC, CNBC, and FOX News. ​ He helps both new and large investment groups through complex deals at Freedom Venture Investments. ​Legacy Alliance is his education outlet showing busy professionals how to master investing for cash flow and equity.    To learn more about Jen Josey, visit www.TheRealJenJosey.com To join REIGN, visit www.REIGNmastermind.com Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby

Please join us at patreon.com/tortoiseshack What are the new rental measures? In this Reboot Republic podcast Rory and Dr Michael Byrne from UCD break down the latest rental measures and explain what they are, what is the likely impact on rents and supply, and who will actually benefits. The verdict? TBD. The Week in Housing newsletter is a weekly one-page analysis of new housing research and policy. Read it here: https://theweekinhousing.substack.com/ The illegal Public Services Card with Simon McGarr:https://www.patreon.com/posts/patron-exclusive-131317106 Donate to Dignity for Palestine:https://www.patreon.com/posts/dignity-for-129326641

WBZ NewsRadio's James Rojas reports.

This month's Market Update brings you up to speed with the latest on house prices, the new mortgage rules that could push demand up further and progress of the long-awaited Renters' Rights Bill... and Rob & Rob can't hold themselves back from a little rant too.  (0:45) What's the latest updates on house prices?  (5:30) Is there any movement in the mortgage market?  (11:30) The latest news from the House of Commons.  (12:50) Rob & Rob's little rant…   (16:35) Hub Extra   Links mentioned: House prices:  Zoopla House Price Index: May 2025  Annual house price growth edged higher in May  Rightmove House Price Index  Mortgages:  Relaxed mortgage rules could increase first-time buyer transactions by up to 24%, says Savills  Executive summary: Landlords research  Government/Misc:  Government in no rush to progress Renters Rights Bill  Govt energy efficiency plan ‘unachievable', claims NRLA  Why we don't move house anymore  YouTube Music  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 

A dramatic shift in America's housing landscape is underway. Renters now outnumber homeowners in more than 200 suburbs across major metro areas, including Dallas, New York, and Chicago. Driven by high prices and remote work, the trend is challenging traditional views of suburban life. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-to-Let market guide today! https://bit.ly/buy-to-let-hotspots-guide-2025 —————————————In this episode of This Property Life, host Sarah Blaney interviews Suzanne Smith, founder of The Independent Landlord, discussing critical updates in the property sector, including EPC regulations and the Renters' Rights Bill. Suzanne shares her extensive legal expertise and practical landlord experience, providing insights into the evolving landscape of rental regulations and compliance.Key TakeawaysEPCs are becoming increasingly important for landlords.Understanding tenant rights is crucial for compliance.The Renters' Rights Bill introduces significant changes.Tenant selection is key to minimizing eviction issues.Timestamps[02:15] - Introduction to Suzanne Smith and Her Expertise[14:50] - Understanding the Renters' Rights Bill[21:41] - Impact of Periodic Tenancies on Landlords[30:06] - Navigating Rent Increases.[47:35] - Section 21 and Tenant Eviction[01:01:17] - Wrap-upThis Episode is Kindly Sponsored by: Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Suzanne Smith:LinkedIn: https://www.linkedin.com/in/suzannesmithblogger/ Facebook: https://www.facebook.com/SuzeKent Company's LinkedIn: https://www.linkedin.com/company/the-independent-landlord/ Company's Website: https://theindependentlandlord.com/ Company's Facebook: https://www.facebook.com/groups/theindependentlandlordcommunity Instagram: https://www.instagram.com/indie_landlord/ Company's Youtube: https://www.youtube.com/@indie_landlord/videos Follow This Property Life Podcast:Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/Youtube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

Dr. Michael Byrne, School of Social Policy, Social Work and Social Justice, University College Dublin and Pat Davitt, CEO of the Institute of Professional Auctioneers and Valuers

More than 10,000 buildings were damaged from the May 16 tornado that tore through St. Louis. Soon after, affected city residents began seeing stickers affixed to their front doors — each signifying the amount of damage to the structure. Red stickers cautioned: “Danger: Entry Prohibited: Violators subject to prosecution.” City building division leadership shed light on how those assessments were made and what they mean. Later in the episode, a legal advisor with Tenants Transforming Greater St. Louis discusses the challenges being faced by renters who are displaced from the tornado — and how renters can empower themselves by knowing their rights as they advocate for temporary housing or changes to their lease agreements.

Amy talks with the host of ‘How to Money' Joel Larsgaard about millionaires choosing to rent and workers cutting their 401K contributions.

Missouri lawmakers have kicked off a special session focused in part on providing relief for those affected by the May 16 tornado. The region is also waiting to see whether President Trump will approve a major disaster declaration — a move that could unlock additional federal resources. In the meantime, the City of St. Louis is weighing its own response, but those efforts ran into a setback on Friday. STLPR's Rachel Lippmann explains.

Chuck Todd reacts to Elon Musk leaving the Trump Administration and discusses the valuable lessons to be learned from Elon's tenure. Chuck also reacts to the recent pardons by Donald Trump and explains why they are bad for the country. Then he discusses the problems with the “big, beautiful bill”.Then, Chuck is joined by Amanda Litman, co-founder and president of Run For Something, to discuss the future of Democratic leadership and the urgent need to recruit a new generation of candidates. They examine how Republicans, following the lead of Newt Gingrich's GoPAC, have outpaced Democrats in preparing talent for public office — and why the Democratic bench remains so thin.Litman shares insights into the challenges young progressives face, from lack of institutional support to financial and family pressures. They discuss the messy but well-intentioned efforts like David Hogg's DNC initiative, the communication gap with younger voters, and why the information ecosystem is reshaping political engagement.Together, they explore the mechanics of candidate recruitment, debates over ideological litmus tests, and how Run For Something navigates hot-button issues like trans rights and independent candidacies. From socioeconomic diversity in elected office to the underrepresentation of renters and working-class Americans, this conversation is a candid look at how Democrats can rebuild from the ground up — and what success might look like in the 2026 midterms.Finally, in “Ask Chuck,” Chuck digs into the mailbag to answer one of the biggest questions about the state of politics.00:00 - Chuck recaps his weekend06:26 - Elon's Exit from Trump Administration14:43 - Reaction to Trump's pardons21:49 – Amanda Litman joins the Chuck Toddcast!22:19 – What is “Run For Something”?24:19 – Newt Gingrich started GoPAC to prep candidates on the right25:19 – The DNC dropped the ball on prepping candidates27:34 – Emily's List was good for candidate training, but only for women29:04 – There are very few young elected Democrats30:04 – David Hogg's DNC effort is a noble one, but messy for the DNC32:19 – The generational divide in the Democratic party33:49 – Democrats need younger leaders to speak to younger voters34:49 – The Republican party changed drastically in ten years35:49 – Voters under 35 have seen a lot of government failure37:49 – Voters receive their information so differently now39:04 – What is the process for recruiting and training candidates?42:49 – Is there an ideological litmus test for prospective candidates?44:04 – Trans issues have been very challenging for progressives45:49 – What if a candidate's passion issue isn't a voting issue?47:04 – Will “Run For Something” recruit and run independent candidates?49:49 – Could we see a lot of former federal employees run for office?51:49 – Will Run For Something get involved in debates about updating the democracy53:19 – Legislators should be paid more55:19 – Lack of money and kids are a huge impediment to candidates under 4057:19 – We need more socioeconomic diversity in elected office*59:19 – Renters aren't represented in Congress*61:04 – The Democrats have become the “presidency or bust” party*63:04 – If you want to improve the Democratic brand, you have to change the politicians65:19 – What does success look like in 2026 midterms?67:22 – “Ask Chuck”

Send us a textIn this episode of the Grow Clinton Podcast, Andy and Jenny are joined by Kris Wiersema, who represents The Church at Lyons. The Church at Lyons is a historical cornerstone of the Lyons Business District. It once served as a place of worship, functioning as the Lyons United Methodist Church, located at 2118 N 2nd Street in Clinton.With significant effort and dedication invested in its redevelopment, The Church at Lyons now operates as a popular event center, hosting weddings, receptions, birthday parties, and large group gatherings. With a capacity of 200-300, the building is wheelchair accessible and features a speaker system. Renters may bring their own catering and alcohol if desired, but decorations are not required.Additionally, The Church at Lyons continues to be used each Sunday at 10 AM for the services of Hope City Church, where lead pastor Nick Powell opens each service by expressing his gratitude for being in the renovated space.Contact Wiersema at (815) 441-0906 or email thechurchatlyons@gmail.com for booking and pricing information.Grow Clinton appreciates Kris and her team's ongoing support and looks forward to contributing to The Church at Lyons's future growth and development.To promote your member business or organization on the podcast, contact the Grow Clinton office at 563.242.5702 or visit us online at www.GrowClinton.com.Grow Clinton's mission is to promote business growth, foster community, and advocate for the sustainable economic success of the Greater Clinton Region.

Deeper Dives - What Do Gen Z Renters Want? Amenities, Aesthetics and Their Own Mini Universe. Renting far cheaper than buying in California's largest metro areas, report finds. Top 10 trends in the luxury multifamily housing market. Tenants displaced as city approves Boyle Heights project after gentrification battle. What In the World News: US Airlines Start Quietly Charging More for Solo Travelers. Cross with Monks!

Amy King hosts your Tuesday Wake Up Call. ABC News correspondent Jordana Miller joins the show from Jerusalem to discuss the new aid system in Gaza per U.S. backed group. iHeart national reporter Rory O'Neill speaks on where the ‘perks' have gone. ABC News White House correspondent Karen Travers talks about Trump delaying tariffs on EU. Bloomberg's Courtney Donohoe updates us on the latest in business and Wall Street. The show closes with the host of ‘How to Money' Joel Larsgaard talking about Trump's proposed no taxes on tips and renting instead of buying.

Amy talks with the host of ‘How to Money' Joel Larsgaard about Trump's proposed no taxes on tips and renting instead of buying.

Simon discusses the pressing issues facing landlords with expert Paul Shamplina, founder of Landlord Action and commercial officer for Hamilton Fraser. With a wealth of experience in landlord issues and a background in law, Paul shares insights into the recently proposed Renters' Rights Bill, which aims to reshape the private rental sector. They delve into the implications of abolishing Section 21 notices, the challenges posed by rising interest rates, and the importance of landlord education. Paul emphasises the need for landlords to adapt to changing regulations while maintaining good relationships with tenants. KEY TAKEAWAYS The Renter's Rights Bill is a significant legislative change in the private rental sector, aiming to improve tenant rights while also raising concerns among landlords about the potential impact on their ability to manage properties effectively. Despite challenges such as rising interest rates and regulatory changes, landlords are encouraged to remain adaptable and flexible in their approach to property management to navigate the evolving landscape. There is a strong emphasis on the need for landlord education to ensure compliance with new regulations and to improve the overall standard of rental properties, which can benefit both landlords and tenants. The current rental market is characterised by high demand and low supply, leading to increased rents. Landlords are advised to maintain good relationships with tenants to minimize turnover and avoid the costs associated with vacant properties. BEST MOMENTS "We were fed up with lawyers charging too much money. So we were the original company that did fixed fees in a three-step process because we basically were disruptors." "The landlord is a business, it's long term. We have a housing shortage. We have a social housing shortage." "If you keep prodding the bear, eventually it bites back. The bear biting back is a landlord selling a property. Who loses out? The tenant." "I think landlord education should be mandatory in some sort, even if it's just an online course." VALUABLE RESOURCES Why not register to join Simon Zutshi and Paul Shamplina in a live online in-depth discussion about The Renters Rights Bill and how it will impact you. Register here: https://bit.ly/BALL2025 To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way. How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

SoCal Edison pays a multi-million dollar wildfire lawsuit. Renters are suing L.A. and Pasadena over toxic ash from January fires. Compton High School gets a makeover. 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

Your 60-second money minute. Today's topic: Renters Aren't Moving, And Paying More

Rent growth has slowed significantly since the massive hikes of 2020-2023, but could we be close to another major rebound? A surge in multifamily supply has led many apartments to offer discounted rents, move-in and renewal concessions, and other perks to attract renters. Renters currently have the upper hand, but what happens when the supply-demand balance shifts—and less than half the usual new supply comes online? Dave is answering that question in this May 2025 rent update. We'll walk through which cities have rising rents, which are seeing declines, multifamily vs. single-family rents, and a new (optimistic) 2025–2026 rent forecast that could change everything for landlords. Single-family rentals are already in decent demand, so what happens when those cheaper multifamily apartments reach maximum occupancy? This could be great news for landlords and real estate investors, but the general public is NOT paying attention. If rental demand stays steady but supply drops off a cliff, you could stand to benefit. We're getting into that, and more, in this episode! In This Episode We Cover New May 2025 rent growth update and single-family vs. multifamily numbers The huge investor opportunity for 2026 as multifamily supply dries up Cities with rising rents that very few investors would have predicted An optimistic rent growth forecast (and whether Dave believes it) Surprisingly expensive markets that are seeing rents grow EVEN more And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Sign Up for the On the Market Newsletter Property Manager Finder Rental Demand is Surging 3x Faster Than Homeownership—Here's How to Catch the Wave Dave's BiggerPockets Profile Grab Dave's Book, “Real Estate by the Numbers” Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/on-the-market-323⁠ Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

The latest episode of the Charles Kelly Money Tips Podcast he explores the truth behind the buy-to-let market and exactly why he is getting out of buy-to-let after 30 years. Please like and subscribe - https://www.youtube.com/@charleskellymoneytipspodca9121 Brief history of the buy to Let market Watch video - https://youtu.be/Vy6NTf38uR8 My story of finding a rental property before BTL and pre-ASTs - It was worse than now. No council house building since the 1970s and the introduction of right to buyThe BTL model has worked well since the 1990’s.Properties were relatively cheapReturns were good, even with higher mortgage ratesWith higher interest rates so you could just about break-even, but enjoy fast capital growth Now the government thinks the pendulum swung too far in favour of landlords. Tenants are unhappy about high rents and insecurity. But is that the fault of landlords or a symptom of 50 years of short-term thinking government policy?The buy-to-let boom has led to a massive transfer of wealth into property, as well as the banks, and it seems the ‘powers that be’ want to apply the brakes with legislation and taxes, We are now living in a new socialist regime after 30 years of relatively business friendly government, which includes the Blair labour government. My personal experience30 years dealing with tenants - nothing against tenants, I just haven’t got the patience for it anymore!New threats from various BPU’s (business prevention units)Lack of social housing being built for 50 yearsMass immigration from all governments since the Blair years leading to an unprecedented population explosion Swinging from unrestrictive to tighter lendingPlanning hold-ups leading to housing shortageAnti-landlord policy starting with Conservative Chancellor George Osbourne and his Section 24 landlord taxRenters rights bill, which was born out of a conservative policyEnd of section 21 no fault of evictions and a ban on so-called “back door” evictionsOpen end of tenancies – how is that going to work in practice?New minimum housing standards and more red tape - many councils and large housing associations would fail these standards but only private landlords will be hitBan on Advanced rent payments, often used where tenants fail referencing or are from overseas. Even more rights for tenants Less security for property ownersBan “discrimination” Right to request adaptation of Properties in the case of disabilitiesRestrictions on rent increasesRent repayment ordersMore powers for local councils to sanction landlordsNew digital Landlord database, but no rouge tenant database County court backlogs, meaning that enforced evictions will take up to a year Renters rights was mentioned in parliament recently during PM’s questions after a labour MP raised the point that tenants were being priced out by landlords. Prime Minister Sir Keir Starmer said that his new renter’s rights bill will help 11 million tenants. He said they will end no fault of action something which the Conservatives had failed to do. . Landlords could be obliged to take pets and tenants on benefits Over the past year, only 6.6% of room-offered ads on SpareRoom explicitly welcomed pets, while a striking 93.4% did not. One third of people in the UK have pets and 29% own a cat. On a Spare room survey 93% of landlords display that they are unwilling to accept pets, this will be banned under the future law. If a tenant wants to keep a pet at home, landlords will not be able to unreasonably withhold their consent. If a tenant feels you’ve made an unfair decision they can challenge it by taking their complaint to the Private Rented Sector Ombudsman or even to court. Falling returns Soaring house prices means it’s difficult to get a positive yield on straightforward buy-to-let propertyLandlords have turned to HMO strategies, but local authorities are introducing more article 4 areas.The yields on properties in London and the Southeast have been driven down by high prices. Landlords are increasingly buying in the Midlands and the north of England, but who wants to drive 300 miles to find and manage property? Many have adapted and move into furnished Holiday lettings in order to avoid section 24 and the end of section 21 notices, but now the BPU are heading them off at the pass! Tax changes abolishing the advantages of furnished holiday Lettings , brought in by Jeremy “Hunt” the left leaning former Chancellor under the last ‘high tax’ conservative government. I know some landlord I’ve spoken to are happy to stay in the market and feel that they can adapt to the new laws. That’s fine there’s still a profit (sorry if that’s a dirty word, but without profit there is no service) to be made and in a long-term it’s still a good investment, but not for me and thousands of other landlords anymore. As the TV Dragons say, I’m out! Am I quitting property altogether? No! Property is still a good long-term investment and will survive the idiots that run the country downwards because the markets and demand will prevail. Despite warnings of our demise, the UK will also survive the fools in power. See other videos: Labour’s Renter’s Rights Bill and the end to Sec 21 ‘no fault evictions’ - https://www.youtube.com/watch?v=Wx1HXgVW1bM&t=400s&sttick=0 Nigel Farage SLAMS HMO BUY-to-Let Landlords In an astonishing attack on private enterprise, right wing Farage claimed that HMOs are not only damaging communities but are increasingly being used to house illegal migrants and asylum seekers, often at the taxpayer’s expense. Watch video - https://youtu.be/NKaPZj-APgw Better property strategies are needed. Learn property strategies from experts There are many more money making property strategies than buy-to-let. The important thing is to get the right property education from experts who have made millions in UK property. For more information on a free “NO MONEY DOWN PROPERTY” webinar, email charles@charleskelly.net #NigelFarage #HMOScandal #UKHousingCrisis #IllegalImmigrationUK #AsylumSeekersUK #HMOUK #PropertyInvesting #LandlordLife #UKPolitics #MoneyTips

This week brought more bad news for first time buyers and those renting.Figures from both the CSO and property website Daft.ie suggest that house prices and rents continue to soar across the country. The national monthly average rent between January and March surpassed €2,000 for the first time. And the chronic shortage of supply for those looking to buy put house price inflation at 7.5% in March.To discuss these numbers and to tease out some potential solutions to the housing crisis, host Ciarán Hancock was joined by Eoin Burke Kennedy, economics correspondent of The Irish Times who has reported on the data.And by Marian Finnegan, an economist and a senior executive at Sherry Fitzgerald, Ireland's biggest estate agent.Produced by John Casey with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Empowered Voices, host Olivia J. Price, leads a discussion with Johnathan Crego and Jordan Nutter about the evolving real estate landscape. Olivia emphasizes the importance of community involvement and financial literacy, while Johnathan shares his transition from law enforcement to real estate, highlighting mental health challenges and community service. Jordan discusses […]

In this episode of Empowered Voices, host Olivia J. Price, leads a discussion with Johnathan Crego and Jordan Nutter about the evolving real estate landscape. Olivia emphasizes the importance of community involvement and financial literacy, while Johnathan shares his transition from law enforcement to real estate, highlighting mental health challenges and community service. Jordan discusses […] The post From Renters to Homeowners: Creative Solutions for Today's Real Estate Challenges appeared first on Business RadioX ®.

Renters aren't leaving, and buyers aren't pulling the trigger—welcome to the 2025 housing market. In this episode, we break down why apartment turnover has plummeted, how that's boosting landlord cash flow, and why multifamily demand is roaring back. Plus, we explore record-high housing payments, buyer hesitation, and what it all means for real estate investors this spring. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Christina is for the girls in this Staycation Setup after she noticed the guy renting her Air BnB brought home another girl on the ring camera she has on the front door. Snitching? Tune in Follow us on socials! @themorningmess

Struggling with student loans, self-employment, or just not knowing where to start? JT shares the top three things he wishes he'd done sooner to get closer to buying a home. This episode is hosted by JT, the Creative Director of How to Buy a Home—and an aspiring buyer himself. After editing over 100 episodes, he realized there were a few major steps he should've started years ago. Whether you're a renter with debt, inconsistent income, or no idea where to begin, JT walks you through how credit repair, savings automation, and practicing your payment can completely reshape your timeline.This is the perfect episode for anyone who's not quite ready to buy—but knows they want to be. JT's honesty and step-by-step reflection will resonate especially with:• Freelancers or self-employed buyers• Renters with debt or uneven income• Anyone overwhelmed by where to startIt's a deeply personal, no-fluff solo episode that captures the real mindset of a buyer-in-progress—offering both relatable struggles and practical next steps.Quote:“I didn't think this podcast was for someone like me. And after hundreds of episodes, I finally realized—maybe I can do this.” — JT, Episode 342Highlights:What's holding you back—credit score, debt, income type, or all three?How becoming an authorized user can boost your credit fastWhy automating savings—even in small amounts—creates long-term peace of mindHow “practicing your mortgage payment” builds confidence and creates optionsWhy starting these habits 6–12 months before you're “ready” changes everythingHow JT turned podcast lessons into an actual plan for future homeownershipReferenced Episodes:Episode 274 – JT's earlier homebuying mindsetEpisodes 301–310 – Starter Kit SeriesEpisode 303 – Credit, Debt & Financial PrepEpisodes 339–340 – Lender Strategy with Kelly CortEpisode 337 & 338 – How to Avoid Moving ScamsConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

(May 8, 2025) Second homes and short-term rentals have gobbled up much of the available housing in the Adirondacks, leaving year-round families with few options. One couple is rehabbing homes specifically as long-term rentals for local Adirondackers. Also: A conversation with the chairman of New York's Republican Party, which is gearing up for a big election cycle in 2026.

The I Love CVille Show headlines: What Does Greystar Project Say About Home Ownership? Albemarle Middle Class Now Destined To Be Renters? John Blair Compelling Insight On Greystar Project CAAR Q1, 2025 Report: News, Notes & Tidbits VHSL Approves Updated Transgender Sports Policy CVille Biz Spotlight: Vivace Has It Figured Out ACC Men's Hoops Will Cut 2 Games, Move To 18 Downtown Office 4 Rent: $395 Per Month W/ Utilities Read Viewer & Listener Comments Live On-Air The I Love CVille Show airs live Monday – Friday from 12:30 pm – 1:30 pm on The I Love CVille Network. Watch and listen to The I Love CVille Show on Facebook, Instagram, Twitter, LinkedIn, iTunes, Apple Podcast, YouTube, Spotify, Fountain, Amazon Music, Audible, Rumble and iLoveCVille.com.

Isabelle Stapf, Senior Vice President and General Manager, Payments, at RealPage gave us an exclusive on their new LOFT app. Demand for apartments is at a record high, with renters signing new leases and renewing their existing stays in droves. Residents' expectations have also increased as they want their renting experience to be as seamless as the rest of their online life. That means integrated technology, financial wellness tools and rewards for their loyalty. RealPage, the leading provider of AI-enabled software platforms to the real estate industry, is addressing the needs of modern residents through an innovative technology called LOFT. RealPage created this new mobile app as a one-stop solution for a fulfilling apartment lifestyle from leasing to living, with easy move-in guidance, a financial wellness platform and a loyalty program to earn rewards when residents pay rent on time. Residents can pay their way, through their digital wallet, by snapping a picture of a check or splitting it into smaller chunks. Since launching in early 2025, RealPage's LOFT is already being offered by more than 500 apartment properties across America, giving more than three million residents access to LOFT, with many more to come. “Residents, and especially digital natives, demand digital experiences as part their apartment living lifestyles,” said Isabelle Meyer Stapf, RealPage Senior Vice President and General Manager, Payments. “Through LOFT, RealPage is prioritizing financial wellness for renters, bringing them solutions to earn rewards, make flexible rent payments and build their credit.” LOFT also simplifies the renter's journey from leasing to living. LOFT Leasing is a first-of-its-kind leasing experience that guides residents through application, approval and signing – with AI capabilities to streamline the back and forth. LOFT Moving enables a simplified moving experience for residents with a configurable moving checklist and integrations with local providers to order utilities, internet and moving services. And LOFT Loyalty allows residents to earn points for paying rent online and on time with any payment method. Residents can then redeem those points for rewards from airline and hotel travel to local restaurants and movie theatres. Property managers find value in LOFT, as their residents have one app for all of their essential tasks. Jess Molasky, Chief Operating Officer of Ovation, a RealPage customer who owns and manages apartments throughout the country added, “If I can reward my residents to show up, if I can reward my residents to make payments on time, and again, if I can have that stronger relationship because their moving experience was a good one, we become their ally.” Visit loftliving.com to learn more. About the show: Ash Brown is a force to be reckoned with in the world of motivation and empowerment. This multi-talented American is a gifted producer, blogger, speaker, media personality, and event emcee. Her infectious energy and passion for helping others shine through in everything she does. Ash Said It, Ash Does It: * AshSaidit.com: This vibrant blog is your one-stop shop for a peek into Ash's world. Dive into exclusive event invites, insightful product reviews, and a whole lot more. It's a platform that keeps you informed and entertained. * The Ash Said It Show: Buckle up for a motivational ride with Ash's signature podcast. With over 2,000 episodesalready under her belt and a staggering half a million streams worldwide, this show is a testament to Ash's impact. Here, she chats with inspiring individuals and tackles topics that resonate deeply. What Makes Ash Special? Ash doesn't just preach motivation; she lives it. Her strength lies in her authenticity. She connects with her audience on a genuine level, offering real-talk advice and encouragement. She doesn't shy away from the challenges life throws our way, but instead, equips you with the tools to overcome them. Here's what sets Ash apart: * Unwavering Positivity: Ash Brown is a glass-half-full kind of person. Her infectious optimism is contagious, leaving you feeling empowered and ready to take on the world. * Real & Relatable: Ash doesn't sugarcoat things. She understands the struggles we face and offers relatable advice that resonates with listeners from all walks of life. * Actionable Strategies: This isn't just about empty inspirational quotes. Ash provides practical tips and strategies to help you translate motivation into action, turning your dreams into reality. So, if you're looking for a daily dose of inspiration, actionable advice, and a healthy dose of real talk, look no further than Ash Brown. 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In this episode, Breht welcomes on Seth from Omaha Tenants United for an in-studio discussion about OTU's slate of recent successes organizing several tenant unions, and a subsequent new legal assault on the organization by the local landlord lobby. The legal implications of this attack are truly monumental for virtually all forms of organizing. They also discuss how landlordism is a feudal hangover with modern capitalist dynamics, the differences between tenant organizing and labor organizing, tenant organizing as a particularly potent site of struggle, and the material underpinnings of recent superstructural shifts in many people's views of landlords. Local media interviews Seth on the issue HERE OTU's Drake Court Tenant Union (Local 252) covered in local media HERE Increasing number of renters turning to tenant unions in the Omaha metro HERE Fed up tenants: Renters form unions to hold leasing companies accountable HERE   Learn more, support, and contact OTU here: https://omahatenantsunited.wordpress.com/ ------------------------------------------- Follow, Subscribe, & Learn more about Red Menace AND Rev Left Radio HERE Outro Beat Prod. by flip da hood

Think about where you lay your head at night: Whether it's an apartment, a house or a condo, do you own the place you sleep in?  While it's more common to own a home than to rent one, there are more people renting now in the United States than at any point since 1965.   More than 45 million households in this country are rentals—that's more than a third of all households in the United States, made up of more than 100 million residents.  And if you're one of those 100 million renters, one University of Denver researcher says, you're at a disadvantage. You're a legal tenant—but are you being treated as one?  On this episode of RadioEd, Emma chats with Sarah Schindler, a professor at DU's Sturm College of Law and a property and land use scholar, about the multitude of ways that renters are treated as second-class citizens in the eyes of the law. Sarah Schindler is nationally recognized for her scholarship, which focuses on property, land use, local government, and sustainable development. Her articles have been widely praised as creative and insightful additions to these fields. At DU, Schindler teaches property, land use, local government, real estate transactions, and animal law. Schindler is a musician, a vegan, a mountain climbing enthusiast, and an avid urban cyclist. She lives in Denver with her husband, son, and dog. More Information: National Multifamily Housing Council Neighbors Without Notice: The Unequal Treatment of Tenants and Homeowners in Land Use Hearing Procedures by Sarah Schindler and Kellen Zale 

Comprehensive coverage of the day's news with a focus on war and peace; social, environmental and economic justice. President Donald Trump approaches his first 100 days back in office with whirlwind of actions but faces low polls, legal challenges and uncertain impact. Canadians go to the polls in contentious election shaped in large part by US president Donald Trump. Fears of ICE overreach escalate as Trump signs new orders targeting sanctuary jurisdictions. Israeli strikes kill at least 44 in Gaza as international court reviews aid blockade. Renters and housing advocates march on California Capitol calling for limits on rent hikes under Affordable Rent Act. The post Trump approaches 100 days in office – April 28, 2025 appeared first on KPFA.

(April 24, 2025)Host of ‘How to Money' Joel Larsgaard joins the show to discuss attending a timeshare presentation, early retirement, and a California bill to create lower rent increase caps. Trump officials consider shrinking national monuments for mining. Host of ‘Later with Mo Kelly' joins the program to talk about ‘Sinners' becoming the highest grossing horror movies of all time in just 5 days.

*DISCLAIMER* This episode covers adult topics that are not intended for young ears.   260. Sex After Cancer with Dr. Kris Christiansen   James 1:19 (NIV) My dear brothers and sisters, take note of this: Everyone should be quick to listen, slow to speak and slow to become angry,   **Transcription Below**   Questions We Discuss: What is common mis-information that you want to set straight as it relates to cancer and sex? If someone is walking their own cancer journey right now, what would you advise them to both do and avoid doing so that they can still enjoy the healthiest sex life possible with their spouse? What hope do you have to share with people who have battled cancer and still desire to connect intimately with their spouse?   Dr. Kris Christiansen is a board-certified family physician who specializes in sexual medicine. She attended medical school and completed her residency in family medicine at the University of Minnesota. She practiced full spectrum family medicine for 10 years and then pursued additional training to specialize in sexual medicine. She works as a sexual medicine specialist at two different clinics in the twin cities.   Her clinical interests include both male and female sexual dysfunction, and she loves working with individuals and couples to restore an important part of life. Dr. Christiansen is involved with teaching medical students and residents at the University of Minnesota Medical School, and she has presented at multiple local, national, and international medical conferences. She is involved with the International Society for the Study of Women's Sexual Health (ISSWSH) and serves on committees, collaborates with other experts to publish articles for medical journals, and edits informational articles for the society's new patient facing website. She is passionate about teaching patients, students, and colleagues about the importance of sexual health and well-being. In her free time, she started her own business called Intimate Focus which provides information and quality products to enhance and restore sexual health and wellness. She also enjoys shopping, hiking, and spending time with her family.   Dr. Kris Christiansen's Website   Previous Episodes featuring Dr. Kris Christiansen on The Savvy Sauce: 215 Enriching Women's Sexual Function, Part One with Dr. Kris Christiansen 216 Enriching Women's Sexual Function, Part Two with Dr. Kris Christiansen   Additional Place to Find More Episodes from The Savvy Sauce Related to This Topic: One-Stop Shop for Marriage and Intimacy Resources   Dr. Kris Christiansen's Recommended Websites for Sexual Health: The Menopause Society Mayo Clinic National Institutes of Health International Society for the Study of Women's Sexual Health American Urological Association International Society of Sexual Medicine Sexual Medicine Society of North America American Cancer Society ISSWSH International Society for the Study of Women's Sexual Health SMSNA Sexual Medicine Society of North America  ISSM International Society of Sexual Medicine The Menopause Society   Find a provider: For a women's sexual health provider, pelvic floor physical therapist, (non-Christian) sex therapist ABCST American Board of Christian Sex Therapists (for a Christian sex therapist)   Thank You to Our Sponsor: Leman Property Management Company   Connect with The Savvy Sauce on Facebook or Instagram or Our Website   Please help us out by sharing this episode with a friend, leaving a 5-star rating and review on Apple Podcasts, 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 - 1:22) 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 Co. 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.    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.   Not many people specialize in the same thing as our returning guest for today, Dr. Kris Christiansen. She specializes in sexual medicine, and today she's going to provide clarity, information, and direction for how to maximize sexual pleasure with our spouse after one receives a cancer diagnosis. Here's our chat.   Welcome back to The Savvy Sauce, Dr. Christiansen.   Dr. Kris Christiansen: (1:23 - 1:30) Well, thank you so much, Laura. We had so much fun last time, and I'm looking forward to this conversation again today.   Laura Dugger: (1:31 - 1:57) Likewise. I feel the same way. And it really wasn't that long ago that you were on The Savvy Sauce two times, so I'll make sure and link to both of those episodes in the show notes for today.   But hopefully everybody's already well acquainted with you, and that's why we're just kind of diving right into our topic today. So, for starters, how did this topic of sex after cancer become an interest of yours to study?   Dr. Kris Christiansen: (2:00 - 2:32) Well, so Laura, my job as a sexual medicine physician is that I work with both men and women and helping them with their sexual lives when they have problems or whatever. So, cancer is often a big part of that. So, through my journey with work, I've just developed a significant interest in learning how to really care for people to help restore this important part of life.   Laura Dugger: (2:33 - 2:52) Absolutely, because a lot is taken away when somebody gets that awful diagnosis, and so I'm very grateful for people like you who are experts. But is there any common misinformation that you would like to set straight as it relates to cancer and sex?   Dr. Kris Christiansen: (2:55 - 6:42) Well, interesting you say that, because there is so much misinformation out there just about sex in general. And then when we throw cancer in on top of that, it just makes it even more complicated. So, I think a common fear that people experience when they get that diagnosis that they hope they never hear, the C word, is that it's going to have a significant impact on their sexual intimacy.   And you know what, it can, but that doesn't mean that that chapter in life is closed. We just have to remember that sexual intimacy is much, much broader than just intercourse. So, if we can refer to this as PIV sex, penis in vagina sex, many people view it as kind of an all or none thing.   If they can't have vaginal intercourse or that PIV sex, then they don't want anything at all. Unfortunately, that just rules out or shuts out so much of sexual intimacy that God has intended for us. We may not be able to engage in the same activities for a time or even long term, but that doesn't mean that we can't connect.   So, if we try to remember that intimacy, sexual intimacy is all about giving and receiving pleasure, then there are so many more opportunities. So, we have to get beyond the fact that sexual intimacy, sexual intercourse is just vaginal intercourse because it's not. It's giving and receiving pleasure.   And however people want to connect or comfortable connecting, that they can still enjoy a very fruitful sex life. The other thing that is misunderstood and misconceptions is estrogen, vaginal estrogen, especially. Because, well, all women who enter menopause and you're in menopause for the rest of your life do experience some changes.   And it's so common that women experience the genital urinary syndrome of menopause. That's vaginal atrophy, or when the tissues get drier and thinner and there can be tearing and pain as well as bleeding and decreased sensation, decreased sensitivity. These things are common with aging, but oftentimes cancer treatments emphasize that or accelerate it or make it even worse.   And vaginal estrogen is really, really safe. It does not cause cancer. And most of the studies show that even in women who have breast cancer, that it doesn't cause recurrence.   So vaginal estrogen, being so safe, can really save our vaginas. And we're talking about vaginal health and bladder health. It's not just about sex, but it helps keep our bodies functioning properly and minimizing pain and discomfort.   So, if a woman is diagnosed with breast cancer and she's on treatment, then obviously we have to talk to the oncologist, make sure they're okay with that. But we get more and more studies showing it's safety and it's definitely effective and can help keep our tissues young.   Laura Dugger: (6:42 - 7:25) This is really helpful and brand new information to me. So someone, like you used that example, if they have breast cancer diagnosis and there's different types, but if they're doing the treatment where perhaps they go into early menopause or they have a hysterectomy or remove their ovaries and they even have an estrogen blocker so that they're not producing estrogen, for that type, you're still saying as long as you're working with the oncologist for that personal client, even in those situations, vaginal estrogen, which would be, I'm assuming, more of a cream or something you insert to the vagina, is that right? That that would be safe?   Dr. Kris Christiansen: (7:25 - 10:55) So, where it gets a little gray is if the woman is taking an aromatase inhibitor, which is the estrogen blocker. So, it pretty much wipes all estrogen out of her system. There's a little more risk there.   So most definitely we need to double check with the oncologist. But it often comes down to quality of life. I have a patient who, she was diagnosed with breast cancer, I believe, in her early 60s.   And she came to me at the sexual medicine clinic and she was just miserable. I mean, when we think of vaginal dryness, you think of, okay, it's annoying. You use a lubricant, right, and it's going to be just fine.   In the beginning, yes, that's the case. But this genital urinary syndrome of menopause, GSM, gets worse with time, especially with those anti-estrogen treatments. And for this poor woman, she couldn't exercise.   She loved to go hiking. She loved to go skiing. And just any kind of movement was painful.   And we don't think of that. We kind of take it for granted. But for some women who really experience severe side effects of the breast cancer treatments and causing dryness and irritation, it affects everything.   And for her, we tried all the non-hormonal things first. They didn't work. And her oncologist gave us the blessing saying, you know, we tried it.   This is really important to you. Let's give it a try. And so, we've monitored her, and the vaginal estrogen hasn't caused any problems.   So, a couple points on that. With the vaginal estrogen, yes, it comes as a cream. There's a tablet, which is like a little pill with an applicator that you insert in the vagina.   There are vaginal inserts. They look like little caplets that you just insert with the finger. There's a vaginal ring.   But with the localized treatment, it's meant to just act locally, meaning just on the vaginal tissues. And, oh, package insert. So, you know, here we tell patients, vaginal estrogen is safe.   Don't worry. It's not going to cause cancer, heart attack, strokes, or blood clots. But then they go home.   They get their prescription. They open up the patient insert, package insert, and it talks about risks and bad things that can happen and side effects. Unfortunately, the FDA says we have to use the class labeling or the side effects that are associated with systemic estrogen.   And it automatically gets applied to the localized or vaginal estrogen treatments. So, patients go home, they read that, and they think we're lying to them. But, unfortunately, it's just very misleading because we have plenty of studies to show that vaginal estrogen doesn't cause those terrible things.   And it's very safe. So, they just have to trust us. And there are groups and people out there trying to work with the FDA to get that class labeling effect removed because it just scares everybody away from using estrogen, which can be so helpful.   Laura Dugger: (10:57 - 11:04) Wow, that is helpful. Is there any other common misinformation you want to make sure we don't overlook before we continue on?   Dr. Kris Christiansen: (11:05 - 11:29) Well, I made a few notes here. No, I don't think so. Except that media, television, and all that other stuff that we see out there is so misleading when it comes to sexual intimacy.   Because sex in real life doesn't look like what you see in the movies. Yeah.   Laura Dugger: (11:30 - 11:45) Great, great point. And so, when somebody does get, like you said, that dreaded C-word diagnosis, what's a common path that they may experience as it affects them sexually?   Dr. Kris Christiansen: (11:48 - 14:00) Well, so, the different cancers are so different and treatments are so different that it's hard to generalize for everybody. But, you know, first thing most people experience is fear. What's this mean for me?   What's this mean for my life, my family? Am I going to be around in five years? So, it's that fear.   And the initial part of that journey is often involved with meeting with lots of doctors, having all the tests, trying to figure out what's going on, what we're going to do. And sexual intimacy often isn't part of that first steps that they take. So, but when things kind of finally settle down, then those questions start popping up.   What does this mean? It's important to talk with your cancer journey, your cancer team, the oncology team to find out what's going on. And it's important to ask all these questions because doctors really aren't very good about asking about sexual health and what that means to you.   Oncologists, generally speaking, they want to treat the cancer and their job is done when the cancer is treated, under control, gone, whatever. And they've done a good job. However, so many of us are just left afterwards saying, okay, thanks, cancer's gone, but now what?   And so, it's a matter of really trying to figure out what's important over time, learning what's going to work and what's not. And know that there are people out there to help you and that want to help you if it's not going as planned. You know, I just want to reiterate that people really need to advocate for themselves and they need to ask questions.   And if they're not getting the answers that they want, don't give up because there are people, organizations, information out there that can be helpful. So rather than just worrying about what's next, seek help.   Laura Dugger: (14:02 - 14:18) That's really great advice. And I think this may be an appropriate place to pause and just get some of those recommended places. Because if somebody, this is new to them and they don't know where to turn, do you have any places or websites off the top of your mind that you would recommend?   Dr. Kris Christiansen: (14:20 - 15:41) Well, so cancer.org, the American Cancer Society has a lot of resources on there. When it comes to menopause-type symptoms and such, menopause.org is the Menopause Society, which has a lot of information. And a website called PROSAYLA, it's P-R-O-S-A-Y-L-A.com, is a website that's managed by ISHWISH.   We've got all these acronyms. The International Society for the Study of Women's Sexual Health. So that is my go-to.   Okay, so that's the organization where there's so much research and science and such happening. And the PROSAYLA.org or prosayla.com, either one works, is a website where there are several articles written by experts in the field. So, these are articles backed by science.   It's not just somebody's opinion or somebody's blog. And I know there's an article on there about sex or cancer and sexuality. So, some generalities and some other references on that site too.   Laura Dugger: (15:42 - 15:51) Okay, that is super helpful information. We'll make sure and add links to those places as well. Anything else that you want to make sure we don't miss?   Dr. Kris Christiansen: (15:52 - 17:36) Well, when we talk about sexual concerns or sexual problems, we always try to approach it from a biopsychosocial aspect. Because those three different entities all play a big role in what works well and what doesn't. So, from the biological section, that's pain, medications, nerve problems, chronic medical problems.   So obviously cancer plays a big role in that. And with cancer treatments and such, pain may be part of that, nausea, fatigue. And so, we just don't feel the same going through these treatments because it's really hard.   As far as the psych bubble, I'm usually referencing a Venn diagram here. Psychological, so when we experience anxiety or depression or performance anxiety, that plays a big role. So, we need to take a step back and realize that what happens up here in our brain has a huge impact on how our bodies function physically.   And then as far as the social aspect, that's our relationships, our interpersonal relationships with our partner, our spouse, with our family and how things are going on at work. A cancer diagnosis and treatment can affect all of those. And so, it's not just a magic pill to improve your libido because if we don't treat all these other things, people continue to struggle with their sexual function.   Laura Dugger: (18:01 - 19:46) Duplexes, studios and garden style options located in many areas throughout Pekin. In Peoria, a historic downtown location and apartments adjacent to the OSF Medical Center provide excellent choices. Check out their brand-new luxury property in Peoria Heights overlooking the boutique shops and fine dining on Prospect.   And in Morton, they offer a variety of apartment homes with garages, a hot downtown location and now a brand-new high-end complex near Idlewood Park. Their beautiful, spacious apartments with private garages in a quiet but convenient location await you in Washington. And if you're looking in Canton, don't miss Village Square Apartments.   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 Co. 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 LEMANproperties.com. Check them out and find your place to call home today.    Also, Dr. Kris, are there any certain cancers or treatments that have the most detrimental impact on a person's sex life?   Dr. Kris Christiansen: (19:48 - 23:15) We know that cancers that affect the breast, for women, but men too get breast cancer, and also the genital area have the biggest impact. We've talked a fair amount about breast cancer. Many of the treatments for breast cancer result in early menopause.   If a woman is premenopausal when this happens, menopause can have a definite impact. The treatments can cause the pain and dryness and decrease sensitivity. Also, if surgery is involved in a mastectomy, it can affect our own body self-image.   From a more physical standpoint too, when we have the mastectomy and those nerves are cut, it decreases the sensitivity. For a lot of women, breast stimulation is really important as part of their sexual play. If now her breasts are gone and she can't feel anything when her husband is touching her breasts, that can be a really hard adjustment.   Any cancers that affect the genital area, uterine cancer, ovarian cancer, or anal rectal cancer for both men and women, and prostate cancer for men, those all have a huge impact. In addition to working with a lot of women who have breast cancer and overcoming and improving those areas, I work with a lot of men who have prostate cancer. Those treatments usually result in erection problems and urinary incontinence, which can be hard to deal with.   Men who have a prostatectomy, so if they have their prostate removed, then 100% of them are going to have erectile dysfunction in the beginning. It's going to take time for those nerves to recover, and it may take up to two years to see that full recovery. In those first few months when I'm working with men, I'm trying to be their cheerleader, saying, don't lose hope, don't give up, because this is going to get better.   It just takes time for those nerves to regrow. In the process, though, it is important to do whatever we can to make sure that that tissue stays healthy. Remember that the penis is actually muscle, muscle tissue, smooth muscle.   If we don't use a muscle for several months, atrophy sets in, which is a bad thing. With atrophy, the penis can shrink in size, and scar tissue potentially can set in, and it just makes that recovery less optimal than what it would have been. Trying to maintain the blood flow during those first few months or first year is really helpful.   Just to help maintain the blood flow and the oxygen to help keep the tissues healthy, so when the tenders do recover as best as they're going to, we get the best outcome.   Laura Dugger: (23:16 - 23:36) This may be an ignorant question, but then if erectile issues are present during that first time period, but it's crucial to have the blood flow to that area, what can men do to increase blood flow there, even if erection is difficult or impossible?   Dr. Kris Christiansen: (23:36 - 25:01) That's a great question. Taking a medication like Viagra or Cialis. Cialis is my favorite because it stays in the system for a good 36 to 48 hours every time you take it.   If you're just taking a low dose every day, it just encourages a little bit of that blood flow every day. Using a vacuum device, which I just happen to have one right here, looks like this. A penis goes inside the cylinder, we create a vacuum or suction, and it pulls the blood flow in.   It's not the most sexy thing, but using it and using the vacuum device several times a week just to get that blood flow going is a very helpful way to keep the tissues healthy. Getting an erection with the vacuum doesn't get those arousal-type feelings, so it looks a little weird, but it does work. For men who want to use this for sexual activity, you can get the erection within the tube, and then it comes with these tight rings that are stretched over the edge of the cylinder.   Once you get the full erection within the tube, you slide that ring off to maintain the erection.   Laura Dugger: (25:04 - 25:14) That's incredible just to pause and think of God's grace and these inventions and how incredible that there are solutions. Please continue, but I find that encouraging.   Dr. Kris Christiansen: (25:16 - 27:39) There are all kinds of encouraging things, but if you're in the middle of this journey, it can be sometimes hard to keep going when you're not getting the results that you want to. But we believe in a big God, and he created sexual intimacy, and it's a gift. Other ways to help manage erectile dysfunction and a couple other show-and-tell things here.   This medication is called Muse. The actual medication is a pellet that comes preloaded in this applicator. You insert it in the tip of the penis, the medication gets absorbed, and 10 minutes later, magic happens.   I don't prescribe this very often because it's really, really expensive, a little harder to find. But the advantage to this medication is that it doesn't need the nerves to work, whereas the medications like Viagra and Cialis, they need the nerves. Guys usually kind of turn white when I pull this out.   For our listeners, I'm holding an insulin syringe and needle. There is such a treatment where you can actually inject a tiny amount of medicine directly into the penis, and it will give you an erection. I tell men that with the pills like Viagra and Cialis, just in general with ED, it works in about 60% of men.   We can get this to work, the injections to work, in 90-95%. It's such a tiny needle that men say it feels like a poke or a pinch once they get past that initial shock that they think is going to hurt. The usual response is, oh, that wasn't so bad, and it's very effective.   This can work within four to six weeks, so whenever your surgeon says it's okay to engage in sexual activity again, this will work. Then last but not least is a penile implant. That's surgery, and that you have to wait at least a year, if not two, after the prostate surgery.   That works in 99.99%. Wow.   Laura Dugger: (27:40 - 27:56) We were focusing a lot on men for that one. Is there any medication or any other injections or anything like that for women, other than the vaginal cream or different ways to get estrogen in the vagina?   Dr. Kris Christiansen: (27:58 - 31:15) Yes, we've got all kinds of treatments. If a woman has breast cancer, or for whatever reason we want to avoid hormones as much as possible, then generally we're starting with a vaginal moisturizer, which is different than a lubricant. A lubricant is just for sexual activity and just to make things slipperier and feel better.   That often helps in the beginning, but as the GSM or the atrophy continues, the lubricant isn't enough. A moisturizer, think of like a facial moisturizer or a moisturizer for your hand, in order for it to work, you have to use it regularly, which is probably at least three times a week. These moisturizers can come in forms of a liquid that gets injected.   They're little capsules that you can insert. Reveri is a hyaluronic acid suppository, which you insert in the vagina and over time that can be really helpful. One of my favorites is this Rosebud Everyday Balm.   It's a really nice balm that you can put on the tissues inside the lips and inside the vagina. It's just really, really soothing. Again, you've got to use these things regularly.   It will take a good two months at least to see the full effect, so it doesn't work right away. Just like with the guys where they've got to be patient with the nerves, we have to be persistent and patient with things that can work. A vaginal moisturizer is really helpful.   A lubricant for sexual activity. There are over-the-counter and prescription medications that can help with arousal and orgasm. There are two approved medications for the treatment of low libido in premenopausal women.   One is Addi, which is a pill that you take every day, also known as the pink pill. Another treatment is Vilece, which is an injection. It comes in a pen, so you never see the needle and really don't feel the needle.   You give it to yourself about 45 minutes to an hour before sexual activity. Both of these medications are working on the brain chemistry because the brain is the biggest sex organ in the body. It's the most important sex organ.   It works on the brain chemistry and improving the dopamine and norepinephrine and the good sex positive hormones. Like I said, it's only approved for premenopausal women, but many of us do prescribe it for postmenopausal women. We have studies to show that it's safe and it's effective.   The drug companies didn't go through with all the rigmarole they had to do to get the FDA-approved indication for that. We've got all kinds of tricks up our sleeve.   Laura Dugger: (31:16 - 31:26) Absolutely. Just piggybacking on that, they wouldn't oftentimes follow through on all those studies, would you say primarily because of financial restraints?   Dr. Kris Christiansen: (31:27 - 31:41) Totally. To get a medication approved for female sexual function, it's multi-million, if not a billion dollars. Studies and everything that needs to be done, it's crazy.   That's why these meds are so expensive.   Laura Dugger: (31:42 - 32:14) Then you also mentioned earlier bringing in the quality of life. There are so many options to consider, but such a personal basis. I had another question that arose.   You kind of were answering that because this one works with the brain chemistry. I'm thinking the body parts may be functioning and you can do different things to have an erection or be aroused with your genitalia, but how is desire affected with cancer?   Dr. Kris Christiansen: (32:16 - 35:03) It's huge, unfortunately. Again, if we go back to that biopsychosocial model and for everything to work well, everything's got to be working well. If we have pain, of course that drives down desire.   We use the analogy of putting your hand on a hot stove. Pain with sex can hurt just as badly as that. I have women tell me it's 10 out of 10 pain feels like shards of glass.   Obviously, that's not pleasant. If we compare that to putting your hand on a hot stove, why in the world would you want to do that? We've got to take care of the pain.   When it comes to pain, it becomes imprinted in the brain and the body responds by just amplifying that pain. You've got more pain and you have less desire. Part of GSM or surgery or chemotherapy and other treatments, radiation, can affect the nerves.   We don't get those positive sensations and the arousal anymore. There's arousal in the brain as well as arousal in the genital area. If we're not getting that positive feedback that this just isn't fun anymore, it's hard to get enthused about engaging in that.   Sex therapy can be really helpful. Sex therapy isn't going to fix thin tissues, but a sex therapist is very skilled and trained at working with people and working with couples on trying to process this, working through the process and the changes that are happening. Sometimes it is a permanent change in sexual function, so there's grief involved.   Helping to process through some of that is really important. But again, if we take a step back and remember that sexual intimacy is more than just PIV sex, that there are all kinds of ways to be able to give and receive pleasure, as long as each person is comfortable with this. And moving beyond the thinking that, well, if I can't have intercourse, I'm not going to have anything at all, then that may mean you might not have anything at all for the rest of your life.   That makes me sad. We just have to take a step back, work through some of this, because it's a journey, it's a cancer journey, it's an aging journey, and try to make the most of it.   Laura Dugger: (35:04 - 36:32) I want to make sure that you're up to date with our latest news. We have a new website. You can visit thesavvysauce.com and see all of the latest updates. You may remember Francie Hinrichsen from episode 132, where we talked about pursuing our God-given dreams. She is the amazing businesswoman who has carefully designed a brand-new website for Savvy Sauce Charities, and we are thrilled with the final product. So, I hope you check it out.   There you're going to find all of our podcasts, now with show notes and transcriptions listed, a scrapbook of various previous guests, and an easy place to join our email list to receive monthly encouragement and questions to ask your loved ones so that you can have your own practical chats for intentional living. You will also be able to access our donation button or our mailing address for sending checks that are tax deductible so that you can support the work of Savvy Sauce Charities and help us continue to reach the nations with the good news of Jesus Christ. So, make sure you visit thesavvysauce.com.   What are some of those examples for someone if they can't have PIV sex anymore? What are ways that you encourage continuing to build intimacy and a knowing of one another and offering and receiving pleasure?   Dr. Kris Christiansen: (36:34 - 41:17) Well, starting with making sure each person is on the same page as far as what they're comfortable with. Okay? Communication is key.   To be able to talk about what you want, what you desire, what your needs are, and listening to your partner say that same thing, trying to make no judgments and not forcing anybody into anything, but just so that we can help understand each other. And when it comes to actual giving and receiving pleasure, whether that's with manual stimulation, with your hands, with your fingers, or if you have a massager, oral stimulation, using a vibrator. And a vibrator can be really helpful for women in menopause, women dealing with cancer treatments, and also for men if they need a little extra help with the stimulation because their nerves aren't working so well.   A vibrator, using it together in the context of giving and receiving pleasure can help, just help with the response, help with the enjoyment, and make it a little more fun, as long as everybody's okay with that. Using a lubricant is really important. And a good lubricant, you want to use a good lubricant because some of the more common ones, unfortunately, have ingredients in them that can actually hurt or irritate.   And like KY and Astroglide, sorry to name names here, but they're basic water-based lubricants, have either glycerin, parabens, or propylene glycol in them, and those can irritate, so we want to try to avoid those. A silicone-based lubricant doesn't have those preservatives, and it stays slippery longer. Where we have to be careful with that is that if you're using a silicone tool, otherwise known as a vibrator, you don't want to use those together because it can ruin the tool.   And if the man is struggling with ED, using too much, especially of a silicone lubricant, can make it too slippery. And too slippery is not so good for him. Oil-based lubricants, they're very nice, except if you're using condoms, it will degrade the condom and create other problems, potentially.   Other ways to stimulate, manually, orally, and when women have pain with intercourse, I'm going to bring in another show-and-tell here, the pain is often coming from the vulva, not so much in the vagina. We talk about vaginal dryness and vaginal atrophy, but the part that's most sensitive is often just right inside the little lips here. And so, if we have terrible pain with penetration, we want to avoid that.   However, the whole surrounding vulvar area is very rich in nerves, can be very much stimulated, and it can feel really good, however each person is comfortable stimulating that area. And another fun fact is that this entire structure is the clitoris. You know, when we think of the clitoris, we think of the glands, this tiny little magic button right here, which, by the way, has 10,000 nerve endings in it.   It's incredible. But the legs, the legs are the cruise of the clitoris, as well as the bulbs. They come down on either side of the vagina.   So, the vagina is here. However, this part of the clitoris can easily be stimulated, so the legs of the clitoris can be easily stimulated, just inside the labia majora, or the outer lips. So, using a vibrator here can be really pleasurable, and you're avoiding the part that hurts.   So, stimulating externally the clitoris, the labia, and wherever else feels good can be very fun. And so, if you try to approach it may be like a game, making it fun and exploring each other's bodies so that you can really figure out ways to make the other person feel good or experience pleasure without causing pain.   Laura Dugger: (41:18 - 41:43) That's so great. And like you had mentioned, if they go see a Christian sex therapist, they would say the same thing as you to stop when there is pain, because it just makes it worse over time. And so, I love that you've given us other options, if that is the case.   Is there ever a time where orgasm is no longer possible after cancer?   Dr. Kris Christiansen: (41:46 - 43:14) It's possible. Yes. Depending on the cancer and the treatment, that it can make it really difficult or even impossible to get there.   But that's where we want to not focus on orgasm as the ultimate goal, because if we engage in sexual activity with orgasm as the ultimate goal, your brain's not going to let you go there, whether it's the male or the female, either one, the brain is the biggest sex organ in the body. Just trying to go for the gold just won't let you get there. So, you have to relax and enjoy the journey regardless.   So even if the cancer or the treatment didn't necessarily affect orgasm or if it's just our brains, my encouragement is to approach a sexual encounter as an experience. Enjoy the experience. It's not a performance.   We don't want to perform because then we get in our head, and we get nervous and our muscles all tighten up. So, we don't want to perform. We want to enjoy the experience, and it can be very pleasurable.   Even if orgasm isn't part of the picture anymore, it doesn't mean you can't have fun and can't connect because you can.   Laura Dugger: (43:15 - 43:25) But then I guess also to offer the hope, if I ask it a different way, are there times that orgasm is still possible after a cancer diagnosis?   Dr. Kris Christiansen: (43:27 - 44:01) Absolutely. We always have hope. We always have hope.   Just because you're diagnosed with cancer doesn't mean you're not going to be able to engage in PIV sex or be able to experience an orgasm because that's always a possibility. Don't focus on just getting to the big orgasm. You want to slow down, enjoy the journey, and oftentimes it will come.   There are medications that help with blood flow, that help with arousal and orgasm, and sometimes they can be helpful. Sometimes they're not, but usually it doesn't hurt to try them.   Laura Dugger: (44:02 - 44:26) There you go. That's a very helpful reminder. It's a piece of the puzzle, not the whole thing.   But if someone right now is walking through their own cancer journey, what else would you advise them both to do and to avoid doing so that they can still enjoy the healthiest sex life possible with their spouse?   Dr. Kris Christiansen: (44:29 - 47:19) That's going to involve several pieces. One, first and foremost, maintain the communication about wants and desires, what hurts, what doesn't, what can we do, what do you want to try tonight? Maintaining the communication.   It's much better to prevent problems like the vaginal dryness and pain than to try to treat it after you've been dealing with it for years sometimes, or even months. If you have, say, breast cancer, just getting in the habit of using one of those vaginal moisturizers from the get-go even before the dryness starts can help prevent problems. Seeing a pelvic floor physical therapist can be really, really helpful.   A pelvic floor physical therapist is a physical therapist who specializes in these pelvic floor muscles that help support everything on the inside. And so if these muscles are too tight, causes pain, and if they're already too tight, doing tangles is the last thing that you want to do, because sometimes it means being able to relax them. Or women who have, who need pelvic radiation, say for uterine cancer, the gynecologic oncologist is usually really good about giving you a vaginal dilator and to use it, but they're not always really good at telling you exactly how to use it, how frequently and how long, so be sure and ask.   Because again, we want to maintain the integrity of the tissues, because it's better to maintain them than try to get it back. That's often quite hard. For guys, especially with prostate cancer, it means participating in that, we call it penile rehabilitation.   So, it's basically physical therapy for the penis. You know, its muscle, so we want to keep that muscle healthy and to help maintain healthy tissues. And just trying to be as good to ourselves as we can, giving ourselves and our partners grace when we need it, because it's a journey and it's not an easy one.   But we believe in a big God and he's there to help us through this and he delights when husband and wife can unite as one, whatever that looks like. And it makes him happy and he's there to try to keep this going for us.   Laura Dugger: (47:21 - 47:40) And you may have already answered this question with that, but I love how you're always encouraging and gentle and full of hope. So, any other hope that you want to share with anyone who's battled cancer or is in the midst of their journey, but they're still desiring to connect intimately with their spouse?   Dr. Kris Christiansen: (47:47 - 48:33) Sometimes it means asking for help. So, for finding a provider, whether that's a therapist, a gynecologist, a sexual medicine provider, or even your pastor counselor to help you through this. In the show notes, we'll put in websites where you can find a provider because not everybody is educated.   Hardly anybody's educated on this, unfortunately. But there are people out there throughout the country, throughout the world, where you can find to help guide you on this journey. Don't suffer in silence.   We're here to help. So be sure to reach out so we can help you.   Laura Dugger: (48:33 - 48:50) That's so good, Dr. Christiansen. And are there any other proactive measures that all of us can take to set us up for a healthy sex life into aging or any diagnoses that we may get in the future?   Dr. Kris Christiansen: (48:53 - 50:38) Well, treating our body like a temple, like God says. We have to take good care of ourselves. And just in general, going for your preventative visits and checking your cholesterol and your blood sugar and your blood pressure and screening for cancer so we can prevent them or catch them really early.   And it's so much easier to treat. But things like smoking and diabetes and being overweight and high blood pressure, high cholesterol, they impact sexual function very negatively, especially smoking. Guys are still surprised when I tell them, or I show them a picture of a cigarette with ashes that are kind of wilting off the end.   This is your penis. This is what happens with smoking. Okay.   So quitting smoking. And in women, we have those same little blood vessels and nerves that men do. And so not taking care of ourselves as far as weight, exercise and diabetes and all that stuff, that affects our sexual function, too.   So just making sure that we take a proactive stance on just taking really good care of our medical and our mental health because that's so important. And our spiritual health. Can't forget that, too.   Yeah. Just, you know, taking care of ourselves because aging does impact sexual function. As we get older, our endurance isn't quite what it used to be.   Certainly not as flexible as we used to be. Things kind of hurt. Achy joints and whatever.   So, the more we can take care of ourselves, the more we can enjoy that sexual intimacy, which does involve a little bit of physical exertion.   Laura Dugger: (50:39 - 51:03) Absolutely. Well, you've shared a lot of places where we can go to seek help. But I would love to know where we can continue to learn from you or a website where people can find out more of your offerings because you mentioned not many people are educated in this field or on this topic, but you are a great resource.   So where would you direct all of us after this chat?   Dr. Kris Christiansen: (51:05 - 52:23) Well, I started my own business called Intimate Focus, Intimate-Focus.com. Where my goal is to offer education and quality products that people can use to help equip them and enhance sexual intimacy. As part of my clinical career where I see patients, we'd often talk about using a good lubricant or getting a vibrator to help with those nerves that just aren't quite as effective anymore.   And so many times they told me they were just not comfortable going to an adult store or they didn't want to purchase them on Amazon because it could be a shared account and kids or whatever may see what they're ordering. So, this is a private and secure site and I don't even know how to sell your email so don't worry, that's not going to happen. Where you can purchase good quality products, I vet them out myself to make sure that they don't contain the ingredients that I encourage women to avoid and no pictures with nudity or anything like that because I want it to be a comfortable space or at least as comfortable as we can make it for everybody.   Laura Dugger: (52:24 - 52:43) Wonderful. Well, I'll certainly link that in the show notes as well. And Dr. Christiansen, you are already a friend of The Savvy Sauce, so you know that we're called The Savvy Sauce because savvy is synonymous with practical knowledge. And so, as my final question for you today, what is your Savvy Sauce?   Dr. Kris Christiansen: (52:46 - 53:15) Well, you know, James in the Bible is a very practical kind of guy and I love his advice that we should all be quick to listen, slow to speak and slow to become angry. And if we were all able to do that or at least just a little more of that, I think our world would be a much better place to live.   Laura Dugger: (53:16 - 53:42) This is so good. I cannot hear that verse enough and I just truly look so forward to the times that I get to spend with you. You are such a calming presence full of wisdom.   That's what we prayed for before we had the recording begin for today. And I am just overflowing with gratitude. So, thank you, Dr. Christiansen, for all that you've shared. Thank you so much for being my returning guest.   Dr. Kris Christiansen: (53:43 - 53:48) Well, thank you, Laura. This has been great. It's an honor to be on your show.   Laura Dugger: (53:50 - 57:32) 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.