Podcasts about renters

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

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

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

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

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

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

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

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

Australia's economy is growing, but the gains aren't keeping pace with the past. Domenique and Paul open with a sharp focus on stalled productivity growth and why it matters. Along with how it shapes living standards, and why it feels like today's prosperity is being borrowed from tomorrow. From there, what's in the news takes over. We discuss housing prices climbing for the sixth straight month with Darwin leading the charge, commodities bouncing around on tariff headlines, solar panels and home batteries taking off as energy bills keep rising, and Trump's tariffs ruled illegal by a federal appeals court but still hanging in limbo until the Supreme Court decides.With the headlines as backdrop, they turn to the hand that's steering the bigger story: Australia's productivity puzzle. Despite decades of growth, productivity has flatlined, and in some years even gone backwards. Domenique and Paul dig into why including slow adoption of new technology, a heavy reliance on mining, and government spending propping things up instead of real efficiency gains. The result is a gap with other economies that are moving faster, and GDP per capita that's slipping instead of rising. They call it a kind of “intergenerational theft,” where today's Australians are coasting on the work of earlier generations rather than building new strength for the future.The conversation closes with the invisible connections between energy and housing. Homeowners are cashing in on rooftop solar and rebates, trimming bills and even selling power back to the grid. Renters are largely left out with less than 10% of rental properties having solar. They're stuck shouldering higher energy costs with none of the upside. Domenique and Paul go back and forth on whether governments should give landlords stronger incentives to install panels, or whether the real fix is helping more renters become owners in the first place. Either way, it's a clear example of how ownership, incentives, and policy end up deciding who gets ahead and who falls behind.Episode Highlights: [00:06] Domenique and Paul open with protests, bridge closures, and a surprise story about Nauru's costly deal with Australia.[03:07] They outline the episode structure: what's in the news, the hand on productivity, and the invisible link between housing and energy.[03:44] Housing prices continue rising nationally, with Darwin up 2.2% and listings still down 20%.[04:27] Commodity updates: iron ore up 6%, oil down 4.1%, copper whipsawed by U.S. tariffs.[05:18] Rooftop solar now makes up 20% of Australia's electricity, with battery installations up 62% year on year.[07:04] Trump's tariffs were ruled illegal by a federal appeals court but left in place pending Supreme Court review.[08:36] The hand turns to Australia's productivity puzzle, with stalled growth, weak tech adoption, and reliance on mining.[13:32] Discussion of services, government spending, and how low productivity erodes wealth slowly over time.[17:07] Tax reform flagged as the biggest lever to unlock productivity gains, though political will is lacking.[19:40] Productivity explained as growing the pie with efficient sectors like mining, banking, and education.[21:26] The invisible emerges in energy and housing, with one in three households now having rooftop solar.[23:30] Less than 10% of rental properties have panels, while wealthier households capture most benefits.[27:43] Debate over government incentives to push solar into rentals versus broader solutions to help renters buy.[31:03] Broader fixes suggested: education, jobs, health, and housing supply to move renters into ownership.[34:55] Closing thoughts on the government's role in providing core services like education, health, and safety.Resources & Links Related to this EpisodeThe Invisible Hand PodcastThe Productivity CommissionThe Reserve Bank of Australia (RBA)

Steve and Ted wrap up a Wednesday with business news from The Wichita Business Journal.

Let Us Know What You Thought Of The Episode If you're a landlord in Ontario right now, you're feeling the pressure — skyrocketing costs, red tape, and a system that seems stacked against the people actually providing the housing. In this episode, we're talking about all of it — the tough stuff, the real stories, and what needs to change.Joining me is Kayla Andrade, powerhouse advocate, founder of Ontario Landlord Watch, and a fierce voice for property owners across the province. She's been in the trenches, talking to government, rallying landlords, and finding real-world solutions that actually help.Whether you're just starting out or you've been in the game for years, this convo is packed with straight talk, practical tips, and big-picture perspective.What You'll Hear:The real challenges landlords are facing in today's rental marketWhy Ontario policies are pushing more landlords to the brinkTools and strategies to protect your rental businessThe truth about rent arrears, LTB delays, and how to handle tenant issuesHow to make your voice heard (even if you feel like no one's listening)Why connecting with other landlords could be your biggest power moveThis isn't just another housing conversation — this is about getting landlords back in the conversation.Follow Kayla on Instagram: https://www.instagram.com/kaylaandradeolw/Learn More About Our Trusted Partner- Front LobbyFrontLobby is a platform designed for Landlords, Property Managers, and Renters. Our mission is to improve the rental industry for everyone. We believe in creating a win-win scenario where Housing Providers and Renters prosper.Would you like to learn more? Visit:https://thesavvyinvestor.ca/front-lobby Savvy Investor Links:Website: https://thesavvyinvestor.ca Instagram: https://www.instagram.com/savvy_investors YouTube: 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.

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

Did you know that tenants chan challenge an agreed rent from Day 1? It will get even worse under the Renters' Rights Act 2025! Patricia talks about this in this episode.

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

Is Your Dream Rental a SCAM?

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

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

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

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 solo episode of This Property Life, host Sarah Blaney unpacks the much-anticipated Renters' Rights Bill currently moving through UK Parliament. Sarah discusses not only the legal changes but also the broader impact on the property market, landlord operations, and tenant-landlord dynamics.What You'll Learn:A detailed overview of the 12 key provisions in the upcoming Renters' Rights Bill.What the end of fixed-term tenancies and the ban on Section 21 evictions mean for landlords.The new pet request rights and how to handle them responsibly.Why a PRS landlord database and ombudsman is a game-changer.What risks casual landlords face and how professional landlords can turn this into an opportunity.Timestamps[03:52] - End of Fixed-Term Tenancies[07:33] - No-Fault Eviction Ban (Section 21)[09:24] - Rent Increases, Bidding Wars, and Pet Requests[11:37] - Written Terms, Fees, and Discrimination Rules[12:24] - Penalties & PRS Database[15:11] - Decent Homes Standard & Enforcement[16:19] - What It Means for Tenants and Landlords[20:13] - Final Thoughts and AdviceThis Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources, networking events, and industry insights.Follow Sarah Blaney Socials:LinkedIn: https://www.linkedin.com/in/sarahpropertyandbusiness/ Facebook: https://www.facebook.com/sarah.blaney.1232Instagram: https://www.instagram.com/sarah.in.property/Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB Apple: https://podcasts.apple.com/gb/podcast/this-property-life-podcast/id1540075591 Spotify: https://open.spotify.com/show/6ULlN2eRKWojGRAkiSa0mZ LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Hosted on Acast. See acast.com/privacy for more information.

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

A survey from a rental marketplace site shows that one in three Canadians spend half or more of their income on rent.   Read the full article here: https://www.coastalfront.ca/read/new-canadian-rent-survey-has-depressing-implications   PODCAST INFO:

According to the Economic and Social Research Institute, if the home ownership continues to fall at its current rate, the poverty rate among over-65s will more than double from 14 to 31 per cent. This begs the question how are older renters able to afford these average rents? Pat discusses this further with Lorcan Sirr Senior Housing Lecturer, Technological University Dublin and also 70 year old Brendan O'Neill who spent 18 years as a renter in Dublin.

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

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

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

Lulu Martinez grew up in North Port and graduated from college there just last year. Last week, she walked across a bridge to Mexico, and WSLR News interviewed her about the weeks at an ICE detention camp in Texas before that.  Next up: School board member Tom Edwards has been named executive director of Project Pride SRQ. Now the Sarasota Republican Party says this presents a conflict of interest and asks him to resign.  Then: The Manatee County School Board narrowed its search for a superintendent to two finalists. Who are they? Finally: Rents remain high across Sarasota and Manatee, outmatching wages for most renters. We bring you a Suncoast Searchlight analysis.

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

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

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

Revenue has contacted 68,000 pensioners over their tax obligations in relation to their occupational pension.Charlie Weston, Personal Finance Editor with the Independent, explained why some pensioners are being asked to file a tax return.He also explained why many renters believe the Government should support intergenerational living arrangements. This is where younger people live with older adults for lower rent in exchange for companionship and support.To listen to the full conversation, press the 'play' button on this page.

While rental prices remain high and vacancy rates low, some homeowners say they're struggling to find tenants—even after reducing rent. A new quarterly report highlights the ongoing pressure on renters, but experts suggest that, in the current climate, homeowners may be facing even tougher challenges. - ਤਾਜ਼ਾ ਰਿਪੋਰਟ ਮੁਤਾਬਕ ਘਰਾਂ ਦੇ ਕਿਰਾਏ ਅਜੇ ਵੀ ਵੱਧ ਹਨ ਤੇ ਕਿਰਾਏਦਾਰਾਂ ਲਈ ਘਰਾਂ ਦੀ ਘਾਟ ਹੈ। ਪਰ ਮੈਲਬਰਨ ਰਹਿੰਦੇ ਸੁਰਿੰਦਰਪਾਲ ਸਿੰਘ ਨੇ ਦੱਸਿਆ ਕਿ ਉਸਨੇ ਪਹਿਲੀ ਵਾਰ ਆਪਣਾ ਘਰ ਕਿਰਾਏ 'ਤੇ ਦਿੱਤਾ ਅਤੇ ਕਿਰਾਏਦਾਰ ਲੱਭਣਾ ਆਸਾਨ ਨਹੀਂ ਸੀ। 'ਕੈਪੀਟਲ ਐਂਡ ਕੋ ਰੀਅਲ ਅਸਟੇਟ' ਦੇ ਡਾਇਰੈਕਟਰ ਕਰਨ ਸਿੰਘ ਮੁਤਾਬਕ ਕਿਰਾਏਦਾਰਾਂ ਲਈ ਕਈ ਤਬਦੀਲੀਆਂ ਕੀਤੀਆਂ ਜਾ ਰਹੀਆਂ ਹਨ ਪਰ ਮਾਲਕਾਂ ਦੀ ਸਥਿਤੀ ਮੌਜੂਦਾ ਸਮੇਂ ਤੰਗ ਹੋ ਰਹੀ ਹੈ। ਤਾਜ਼ਾ 'ਡੋਮੇਨਜ਼ ਕੁਆਰਟਲੀ ਰਿਪੋਰਟ' ਮੁਤਾਬਕ ਦੇਸ਼ ਭਰ ਵਿੱਚ ਰੈਂਟਲ ਪ੍ਰਾਪਰਟੀਆਂ ਦੀ ਅਜੇ ਵੀ ਘਾਟ ਹੈ ਅਤੇ ਡਾਰਵਿਨ ਤੋਂ ਇਲਾਵਾ ਹੋਰ ਕਿਤੇ ਵੀ ਕਿਰਾਇਆਂ ਵਿੱਚ ਫਰਕ ਨਹੀਂ ਆਇਆ।

Is Propertymark Membership Really Worth It? Insights from Nicol Nightingale If you're a UK estate or letting agent wondering whether Propertymark membership justifies the cost, this episode is a must listen. Nicol Nightingale, former letting agent, ex-regional exec for Propertymark's East Midlands branch, and now an asset manager, shares her honest view on why this industry body remains invaluable today. Nicol explains how the annual fee, around £200-£300, brings far more value than you might expect. From expert led regional conferences and legal helplines that save you time and money, to comprehensive fact sheets covering essential legislation like the Renters' Rights Bill, Propertymark supports agents in ways that make a real difference. She also highlights the new ‘Connect' service, which offers buying power and business perks that can help reduce your running costs. If you want to stay compliant, informed and competitive, Nicol's insight makes a compelling case for joining Propertymark. Tune in, and join the conversation, are you already a member, or still weighing up the benefits?

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

Tariffs Roll In, Fed Suppresses Renters.As Trump continues cleaning out the swamp creatures, More corruptions are revealed.Dave and Eddie discuss investment strategies and retirement planning.Dave and Eddie look at career training and trade school options, as an alternative to Liberal Arts colleges.AUDIOVIDEO-Catch all our shows at www.FreshBlack.CoffeeConnect with us at www.facebook.com/freshblackcoffeeOur audio podcast is at https://feeds.feedburner.com/thefreshblackcoffeepodcastOur video podcast is at https://feeds.feedburner.com/freshblackcoffee/videocastWatch the video on our YouTube channel, Facebook, website, or with your podcasting app.   We record the show every Saturday and release it later the same day.Jeff Davis commentary appears courtesy of www.theThoughtZone.comClick here to watch this episode »

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

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

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

The Seattle City Council confirmed 14 members to the Renters’ Commission on Tuesday, following a controversial delay after Councilmembers Rob Saka and Sara Nelson failed to show up for a previous vote on Commission appointments. Their absence forced an unusual cancellation of the vote because the housing committee didn’t reach quorum. Some people think this was influenced by an email former councilmember Cathy Moore sent, urging her former colleagues to delay the vote. In this episode of Soundside, we catch up with Councilmember Mark Solomon, who was appointed to Seattle’s District 2 seat after Tammy Morales left the position in January. He's also serving as vice chair of the Housing and Human Services Committee... and is one of the people Moore tried to email before that first vote. Guest: Mark Solomon, Seattle City Councilmember appointed to represent District 2. Related stories: Seattle City Council members stymie appointments to renters commission | The Seattle Times Nelson, Saka Boycott Housing Committee, Blocking Seattle Renters Commission Appointments » The Urbanist Seattle council keeps renter’s commission without landlords | The Seattle Times Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/soundsidenotes. Soundside is a production of KUOW in Seattle, a proud member of the NPR Network.See omnystudio.com/listener for privacy information.

How to Attract More Landlords to Your Agency | Expert Insights from David Adams Securing more landlords for your agency can feel like a constant uphill battle, but with the right strategies, you can expand your portfolio and set yourself apart from the competition. In this episode, David Adams, MD of Cavendish Estate & Letting Agents, reveals the secrets to attracting more landlords and growing your business. David explains why moving away from the traditional “free valuation” approach is essential and how offering a range of services, such as portfolio restructuring and off market landlord to landlord deals, can increase your appeal. He also highlights the importance of staying ahead of industry changes, such as the upcoming Renters' Rights Bill, and how to effectively market your agency to attract managed landlords while ensuring compliance. This episode is packed with practical tips that can make a real difference to your agency's growth. Listen now, and don't forget to leave a comment or share your thoughts!

Send us a textHow would you answer these questions?      -How should I start investing after college?      -Where should I invest for 5 years if I plan to buy a house?       -Should I pay off debt or invest?These are a few of the questions we explore in this episodeLemonadeTake 3 minutes to get a no obligation quote on Pet, Renters, Home, Auto insurance. Use the link below for a 10% discount. (US only)https://go.lemonade.com/visit/?bta=38304&brand=petContact Tom & RadishX                        @SavingsCaptainEmail                thesavingscaptain@gmail.com     

Bruce and Pamela Hughes explain what renters' rights are when their apartment's A/C unit goes out.

Is America quietly shifting from a nation of property owners to a nation of renters? In this episode, we expose the growing forces behind the decline in homeownership—from skyrocketing prices to the corporate consolidation of housing. How is this trend impacting society and the political landscape?Plus, we dive into another urgent emerging issue: the rise of Central Bank Digital Currencies (CBDCs) and what they mean for your financial freedom.The Heartland Institute's Donald Kendal and Justin Haskins discuss all of this and more on Episode #502 of the In the Tank Podcast. Join us LIVE at 1 p.m. ET and participate in the show in the live chat! In The Tank broadcasts LIVE every Thursday at 12pm CT on on The Heartland Institute YouTube channel. Tune in to have your comments addressed live by the In The Tank Crew. Be sure to subscribe and never miss an episode. See you there!Climate Change Roundtable is LIVE every Friday at 12pm CT on The Heartland Institute YouTube channel. Have a topic you want addressed? Join the live show and leave a comment for our panelists and we'll cover it during the live show!

Big changes are coming to homeownership under the Trump administration, and they could be a game-changer for first-time buyers. In a conversation with Heartland Home Mortgage's Dave Galloway, we break down the new policy allowing rent payments to count toward mortgage qualification—finally rewarding financial responsibility without requiring credit card debt. Backed by housing advisor Bill Pulte, this move aims to open the doors for more Americans, especially younger buyers and those following debt-free principles like Dave Ramsey's. We also touch on the possible privatization of Fannie and Freddie, how new scoring models could simplify loan approvals, and why down payment assistance programs are making homeownership more accessible than ever. Whether you're buying your first home or refinancing, Dave offers practical insights on rates, smart lending strategies, and why now might be the perfect time to make your move.Get the stories from today's show in THE STACK: https://justinbarclay.comKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.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

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/