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Welcome to Day 2730 of Wisdom-Trek. Thank you for joining me. This is Guthrie Chamberlain, Your Guide to Wisdom Day 2760 – Wisdom Nuggets – Psalm 90:10-17 – Daily Wisdom Wisdom-Trek Podcast Script - Day 2730 Welcome to Wisdom-Trek with Gramps! I am Guthrie Chamberlain, and we are on Day 2730 of our Trek. The Purpose of Wisdom-Trek is to create a legacy of wisdom, to seek out discernment and insights, and to boldly grow where few have chosen to grow before. The title of today's Wisdom-Trek is: The Wisdom to Number Our Days – A Prayer for Satisfaction and Significance Today, we reach the conclusion of the oldest psalm in the Psalter, Psalm Ninety, also known as the timeless Prayer of Moses, covering its remaining verses, ten through seventeen, in the New Living Translation. In our last conversation, we explored the sobering first half of this psalm. Moses established the immense chasm between the eternal God—our “home” and refuge who predates the mountains—and the transient life of man, who vanishes like a “dream” or “grass” that is withered by evening. We acknowledged that our fleeting years are often spent under the cloud of God's righteous anger against sin, as He sets our “secret sins in the light of [His] presence” (Psalm Ninety, verse eight). Now, Moses moves from somber theological reflection to a fervent, practical prayer. Recognizing the brevity and the sorrow of a life lived under divine displeasure, he prays for wisdom, mercy, and ultimate significance. This concluding segment is the mature response to our mortality: since our days are numbered, how can we ensure they are counted for something eternal? So, let us open our hearts to this ancient and vital prayer, learning how to redeem the time God has given us. The first segment is: The Frailty of Life and the Plea for Wisdom Psalm Ninety: verses ten through twelve Seventy years are given to us! Some even live to eighty. But even the best years are filled with pain and trouble; soon they disappear, and we fly away. Who can comprehend the power of your anger? Your wrath is as awesome as the fear you deserve. Teach us to realize the brevity of life, so that we may grow in wisdom. Moses begins by stating the typical limit of human lifespan, a stark number based on his long experience with the dying generation in the wilderness: "Seventy years are given to us! Some even live to eighty." This lifespan, while a gift, is often limited, but Moses acknowledges that longer life isn't always better: "But even the best years are filled with pain and trouble; soon they disappear, and we fly away." This speaks to a universal truth: even the healthiest and most prosperous years have their share of hardship—a reality that the ancient Israelites knew...
Feeling stuck with menopause weight and convinced it's “just your age”? Think again, my friend!Lisa thought so too—until she lost 24 pounds at 61…without dieting, without tracking, and yes, while still eating pizza and ice cream.In this inspiring episode, I sit down with one of my incredible Mindful Weight Loss Academy grads, Lisa, who shares her powerful story of transformation. After decades of dieting (hello, Weight Watchers in the ‘90s
In this episode, hosts Steve Carran chat with Will Gilbert, Co-Founder of Bodhi, live from the trade show floor at The Hospitality Show in Denver, Colorado.Will shares the original “aha moment” behind creating Bodhi — a platform born from 25+ years of systems integration and a real-world need for hotels and mixed-use properties to manage smart devices under one pane of glass. What began as one-off software has evolved into a global solution trusted by integrators, manufacturers, resorts, and hotels worldwide.In this episode, we cover:How a single high-end property inspired the creation of BodhiWhy being manufacturer agnostic is Bodhi's biggest competitive advantageThe tech behind predicting and preventing guest experience issuesHow BodhiGPT, GuestGPT, and their AI Super-Agent enhance operations and 5-star reviewsExpansion into the multifamily & residential marketFrom AI-powered automation to quarter-million data messages per second, Bodhi is transforming how properties manage systems, respond to guest needs, and create unforgettable stays.Whether you're running luxury hotels, select-service properties, or multifamily communities — this episode is packed with insight into the future of smart operations.Watch the FULL EPISODE on YouTube: https://youtu.be/NeThDs6pbbsLinks:Will on LinkedIn: https://www.linkedin.com/in/will-gilbert-0348586/Bodhi: https://www.gobodhi.com/For full show notes head to: https://themodernhotelier.com/episode/229Follow on LinkedIn: https://www.linkedin.com/company/the-...Join the conversation on today's episode on The Modern Hotelier LinkedIn pageConnect with Steve and David:Steve: https://www.linkedin.com/in/%F0%9F%8E...David: https://www.linkedin.com/in/david-mil.
What does it mean when the Bible says “God rested”? An artist doesn't continually wield the brush. At some point the artist puts down the brush down and steps back and see the canvas. That's what is described of God. He took a moment – a space in time to reflect on what he had done and to experience joy over his creation. Satisfaction in a moment of reflection. Sabbath represent those moments when we take a step back – pause in our brushwork to renew our vision of life, and our relationship with God so that we can take up a fresh brush and start painting again with clarified vision and renewed energy. Find out more in this episode of Gospel Wabi Sabi.
One of the skills that is learned in the child level of maturity is to discover what satisfies us, so that we can become adults who know how to fulfill our needs and desires in a life-giving way and live a life of contentment. Do we, as adults, have this skill? How can we help our children learn? This episode shares stories about recognizing true satisfaction and how to step through that process, so that we can care for ourselves and others.
Satisfaction for All Blacks coach Scott Robertson in how they wrestled momentum back to clinch a 25-17 win over Scotland in Edinburgh. A late Damian McKenzie try and penalty secured victory after the home side came from 17-nil down to level the scores going into the final quarter. Newstalk ZB rugby commentator Elliott Smith says it was a tight game, with Scotland nearly managing to get ahead LISTEN ABOVESee omnystudio.com/listener for privacy information.
Today we talk about how to build your tolerance for discomfort. THE SOURCE: https://shoesandshots.substack.com/p/discomfort-is-the-price-you-pay-forFurther reading: https://www.outsideonline.com/health/training-performance/dealing-pain-discomfort/and: https://www.psychologytoday.com/ca/blog/living-well-when-your-body-doesnt-cooperate/202405/stretching-distress-toleranceUse findhelp.org is an amazing website where you can type in your zip code and it will show you free or reduced-cost resources like food, housing, financial assistance, health care, and more. SUPPORT JULIE (and the show!): https://supporter.acast.com/make-your-damn-bedDONATE to the Palestinian Children's Relief Fund: www.pcrf.netGET AN OCCASIONAL PERSONAL EMAIL FROM ME: www.makeyourdamnbedpodcast.comTUNE IN ON INSTAGRAM FOR COOL CONTENT: www.instagram.com/mydbpodcastOR BE A REAL GEM + TUNE IN ON PATREON: www.patreon.com/MYDBpodcastOR WATCH ON YOUTUBE: www.youtube.com/juliemerica The opinions expressed by Julie Merica and Make Your Damn Bed Podcast are intended for entertainment purposes only. Make Your Damn Bed podcast is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. Support this show http://supporter.acast.com/make-your-damn-bed. Hosted on Acast. See acast.com/privacy for more information.
The state's largest teachers union – the Delaware State Education Association recently released the results of its latest teacher satisfaction survey.The survey – conducted via email by Emma White Research – reached 1,460 active DSEA members between July 11-18 to take their temperature on a variety of topics – including teacher pay and working conditions. The survey produced mixed results – and this week, we sat with DSEA President Stephanie Ingram to delve into those results and what we they tell us about what teachers are feeling.
In this episode of the HVAC Know It All Podcast, host Gary McCreadie speaks with Joshua Canfield, owner of Blue Box HVACR. Together, they explore how training for new HVAC technicians has changed over the years. Josh shares his own journey from being thrown into the trade with no experience to running jobs alone within weeks. They talk about the need for a balanced training approach that combines hands-on work, guidance, and time under pressure. Josh also highlights how small wins and emotional intelligence can build confidence in young techs. Their conversation gives practical ideas for teaching the next generation in today's industry. In this episode, Joshua Canfield talks about the challenges of training new HVAC technicians in today's industry. He explains how systems have become more complex with added electronics, while many techs lack hands-on experience and confidence. Josh shares stories from his own start in the trade, where he learned by doing jobs on his own with little help. He and Gary discuss a better way to train techs by mixing pressure-filled situations with support and guidance. Josh also stresses the need to build emotional strength and give new techs chances to succeed so they can grow into confident professionals. Expect to Learn: Why hands-on experience is key to building real technician skills. How throwing techs into the field too soon can hurt their growth. A hybrid training method that balances pressure with support. Why emotional intelligence and small wins build confidence in new techs. How strong mentorship helps techs learn faster and stay in the trade. Episode Highlights: [00:00] - Intro to Joshua Canfield in Part 1 [02:10] - The Changing Landscape: Increased Complexity & Lost Confidence [05:09] - The Core Problem: Lack of Applied Knowledge & Tool Proficiency [06:54] - The "Thrown in the Truck" Method: Pros, Cons, and a Better Hybrid Approach [10:19] - Creating "Aha" Moments: The Power of Pressure and Satisfaction [14:30] - The Triumph of Perseverance: A Story of a First Solo Fix [18:47] - The Key to Success: Persistence Over Pure Intelligence [20:55] - The Modern Apprentice: Navigating a Different Upbringing [22:18] - A New Vision for Training: Blending Technical, Applied, and Emotional Skills [23:54] - Creating "Small Wins" and a Customer-Focused Mindset This Episode is Kindly Sponsored by: Master: https://www.master.ca/ Cintas: https://www.cintas.com/ Cool Air Products: https://www.coolairproducts.net/ property.com: https://mccreadie.property.com SupplyHouse: https://www.supplyhouse.com/tm Use promo code HKIA5 to get 5% off your first order at Supplyhouse! Follow the Guest Joshua Canfield on: LinkedIn: https://www.linkedin.com/in/joshua-canfield-32152a163/ Blue Box HVACR: https://www.linkedin.com/company/blue-box-hvacr/ Website: Blue Box HVACR: https://blueboxhvacr.com/ Follow the Host: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/ Website: https://www.hvacknowitall.com Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/ Instagram: https://www.instagram.com/hvacknowitall1/
In this episode of The Rainmaking Podcast, Scott Love speaks with Hanna Hasl-Kelchner, attorney, business consultant, and author of Seeking Fairness at Work: Cracking the New Code of Greater Employee Engagement, Retention, and Satisfaction. Together, they explore “The Rainmaker's Playbook for Managing the Team,” revealing how leadership, empathy, and trust directly impact performance and retention. Hanna explains that leading a team is not a transactional act—it's a relationship built on an “implied social contract” of good faith and fair dealing. She shares how rainmakers can foster stronger loyalty and productivity by actively listening, showing gratitude, and treating team members as valued contributors rather than interchangeable resources. Hanna also discusses practical ways to address performance issues with empathy and clarity, emphasizing joint problem-solving over blame. She encourages leaders to take “empathy reality checks,” solicit honest feedback, and model humility—reminding listeners that trust must be earned, not demanded. The conversation concludes with three action steps: listen to your team, invest in communication and coaching skills, and demonstrate genuine appreciation. These principles, she argues, transform high-pressure work environments into loyal, high-performing teams. Visit: https://therainmakingpodcast.com/ YouTube: https://youtu.be/zwC5paGj0HQ ----------------------------------------
Send us a textEver have a client drop a “by the way” just as their hand hits the doorknob? We tackle the fix: agenda setting that captures every concern upfront, keeps appointments on track, and strengthens trust without adding time. With guests Drs. Jane Shaw, Kat Sutherland, and Natasha Janke, we map the science and the steps behind a small change that delivers big wins for veterinary teams and clients alike.We walk through the practical anatomy of a better visit: start with a solid introduction, gather the client's full list using open-ended questions, resist premature problem solving, summarize the agenda aloud, then triage together. You'll hear how this approach anchors relationship-centered care, improves client satisfaction, and supports adherence—key predictors of better outcomes. Our guests explain how to insert the veterinary agenda transparently for topics like dental care, weight management, behavior, and nutrition, all without sidelining what the client values most.From classroom to clinic, we cover training that sticks: scripting that sounds natural, team roles that share the workload, and habits that prevent doorknob disclosures. We unpack common pitfalls—closed questions, one-and-done lists, and diving too deep too soon—and offer simple replacements you can try today. Plus, we spotlight current research, where the evidence is strong, and what's next for measuring appointment efficiency, client and veterinarian satisfaction, and late-rising concerns.Ready to try it? Start every appointment with a complete agenda, confirm it, and choose what fits today. Subscribe for more conversations that sharpen clinical communication, share this episode with your team, and leave a quick review to help others find the show.JAVMA article: https://doi.org/10.2460/javma.25.06.0377INTERESTED IN SUBMITTING YOUR MANUSCRIPT TO JAVMA ® OR AJVR ® ? JAVMA ® : https://avma.org/JAVMAAuthors AJVR ® : https://avma.org/AJVRAuthorsFOLLOW US:JAVMA ® : Facebook: Journal of the American Veterinary Medical Association - JAVMA | Facebook Instagram: JAVMA (@avma_javma) • Instagram photos and videos Twitter: JAVMA (@AVMAJAVMA) / Twitter AJVR ® : Facebook: American Journal of Veterinary Research - AJVR | Facebook Instagram: AJVR (@ajvroa) • Instagram photos and videos Twitter: AJVR (@AJVROA) / Twitter JAVMA ® and AJVR ® LinkedIn: https://linkedin.com/company/avma-journals
Ephesians 5:1-21 If the Gospel changes everything, then everything must change...and our areas of greatest temptation will not be the exceptions. Although Paul has clear commands that affect every area of our lives, beneath them is an invitation -- to find true satisfaction in the only place it can be found. For more information about Breakaway, check out www.breakaway.org and follow us on social media @breakawaymin. If Breakaway has impacted your life and you want to generously give back, visit www.breakaway.org/give
Send us a textEagles didnt even play this week and still feels like a win with seemingly every solid NFC team and every NFC East team losing.-Nolan Smith returns-Eagles trade deadline acquisitions-Sixers incredible start-Flyers young, fun, and dumb Follow us on twitter.com/talkin215 facebook.com/talkin215 IG @Talkin.215 YT @Talkin215 Email us at Talkin215@Gmail.com You or anyone you know suffer from a new or chronic injury? Send them over to DOS for the best care possible. Schedule an appointment today at DelOrtho.comOr call 302-655-9494 Car filthy and need a clean? Ask your phone to "Take me to white glove carwash" for the best wash you can get. Satisfaction guaranteed!
Interview with John Brognard, PhD
Partner with TNP in helping people replace their hopelessness with hope through the $30 for 3 commitment! Do you believe that hope comes from knowing the Lord Jesus Christ? Do you believe that the Word of God is sufficient to transform sinners into saints? By donating $30 a month for 3 years and you can make an eternal impact in the lives of those we have the privilege of counseling. Create your recurring donation here.
11/02/25 Sun AM
View the Show Notes Page for This Episode Become a Member to Receive Exclusive Content Sign Up to Receive Peter's Weekly Newsletter Sally Greenwald is an OB-GYN who specializes in women's sexual health from a hormonal and physiologic perspective, with expertise spanning desire, arousal, pelvic floor function, contraception, and menopause care. In this episode, she explains why sexual health is a vital component of overall well-being, exploring topics such as the drivers of desire, the anatomy of sexual function, myths and realities around orgasm, and the role of hormones in perimenopause and menopause. She also covers vaginal and pelvic health, pain with sex, evidence-based therapies for low desire and arousal, how contraception and medications can affect sexual function, and practical strategies for enhancing sexual satisfaction and maintaining intimacy across life stages. This episode offers a comprehensive, evidence-based discussion with immediate real-world relevance for women as well as for men who want to better understand their partners. We discuss: How sexual health influences physical health, emotional well-being, and relationships [3:15]; Understanding the physiology of the female orgasm, sexual comfort and satisfaction, and the disparity between men and women [12:45]; Foreplay, the science of desire, and methods to help women cultivate arousal and connection [19:00]; The physiology and sources of female lubrication, the role of clitoral nerve anatomy in pleasure, and the use of lubricants and vibrators to enhance comfort and sexual health [23:45]; Understanding female anatomy and what is needed for orgasm [31:15]; Understanding sexual desire, how to cultivate it, the role of hormones, and testosterone therapy in women [41:15]; Personalizing perimenopause care: how desire for ovulation guides the choice between contraception and menopausal hormone therapy [49:30]; Considerations for choosing contraceptives and hormonal therapies during perimenopause [59:45]; Factors negatively affecting desire, and why female libido persists with age and fluctuates across the menstrual cycle [1:11:00]; How sexual trauma and physical pain can affect sexual health, and evidence-based strategies for recovery [1:15:15]; Vaginal care routine: lubricants, moisturizers, topical hormones, and other approaches for vaginal health [1:19:15]; Tips for sexually satisfying your female partner [1:25:45]; The pharmacology of arousal: various treatments for low sexual desire in women [1:30:30]; Sex during and after pregnancy: impact on arousal, safety of sex, and how to manage postpartum recovery and pain [1:37:45]; How Sally would redesign sex education [1:42:15]; Sally's optimism about a new era in women's sexual health [1:49:00]; and More. Connect With Peter on Twitter, Instagram, Facebook and YouTube
This episode's guests:Tatsiana Thomson, Brome Bird Care.John Barentine, Dark Sky Consulting.Lynne Peeples, Author of the Inner Clock.Bill's News Picks:Spectacular drone show over Vatican recreates Michelangelo's ‘Creation of Adam,' Virgin Mary, Ariel Zilber, New York Post.As more cities get Dark Sky label, these Indigenous communities apply the same tenets, Mark Brodie, KJZZ-FM.The First Dark Sky Map of Thailand: International Comparisons and Factors Affecting the Rate of Change, PrePrints.org.Our night skies are worth fighting for: petition for national action, Mandy Ellis, Western Plains App. Why Sleep Tourism Is The Trend We've Been Dreaming About, Angelina Villa-Clarke, Forbes. Send Feedback Text to the Show!Support the showA hearty thank you to all of our paid supporters out there. You make this show possible. For only the cost of one coffee each month you can help us to continue to grow. That's $3 a month. If you like what we're doing, if you think this adds value in any way, why not say thank you by becoming a supporter! Why Support Light Pollution News? Receive quarterly invite to join as live audience member for recordings with special Q&A session post recording with guests. Receive all of the news for that month via a special Supporter monthly mailer. Satisfaction that your support helps further critical discourse on this topic. About Light Pollution News: The path to sustainable starry night solutions begin with being a more informed you. Light Pollution, once thought to be solely detrimental to astronomers, has proven to be an impactful issue across many disciplines of society including ecology, crime, technology, health, and much more! But not all is lost! There are simple solutions that provide for big impacts. Each month, Bill McGeeney, is joined by upwards of three guests to help you grow your awareness and understanding of both the challenges and the road to recovering our disappearing nighttime ecosystem.
Recorded September 18, 2024 - Wednesday Evening Service
Revelation isn't a confusing riddle—it's an understandable vision from God designed to transform how you see the world and live in it. This divine prophecy promises blessing and peace to those who take it to heart, with truths as relevant today as they were to first-century believers. Discover how God's sovereign plan can bring clarity and contentment to your life right now.1) Revelation2) Divinely authored prophetic visionary story3) For our blessing, peace, contentment, satisfaction, and shalomText: Revelation 1:1-3
On Episode 476 we discuss...→ Detective Fudge→ They're Just Dead→ Sweet little cinnamon roll→ The Weight of Betrayal→ Reckoning with Guilt and Innocence→ Sweater Weather and Seasonal Fashion→ Hermione's Dilemma: Snitching or Protecting?Become a supporter of this podcast: https://www.spreaker.com/podcast/alohomora-the-original-harry-potter-book-club--5016402/support.
Find more from Nancy and others on Canon+: https://canonplus.com/tabs/none/pages/nancy-wilson
The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier
Shoot us a Text.Episode #1184: Today we cover Toyota's response to potential chip shortages, new research showing improved employee satisfaction at dealerships, and what Gen Z travelers want most from their hotel stays.Show Notes with links:Toyota CEO Koji Sato says the automaker isn't facing an immediate chip shortage despite rising concerns after China blocked exports from Dutch chipmaker Nexperia. The move is part of an escalating global tech standoff involving national security concerns.The Dutch government seized control of Nexperia last month over fears its Chinese parent, Wingtech, could pose a security risk—prompting China to halt exports.These chips aren't high-end processors; they're critical legacy semiconductors used in steering, lighting, and power systems.Toyota says it's stable “for now,” but rivals like Nissan report they only have enough chips to last through early November.The Alliance for Automotive Innovation warns that U.S. vehicle production could be disrupted as soon as next monthCDK's 2025 Dealership Workplace Study shows job satisfaction is rising and fewer employees plan to leave, but challenges around stress and long-term retention persist.Satisfaction jumped to 82%, up from 74% last year, while only 22% plan to leave in the next six months—down from 31%.Just 49% expect to stay at their dealership over the next 5-10 years, and only 26% would recommend auto retail as a career.“Dealerships that thrive will be the ones that listen, adapt and lead with empathy,” said CDK VP Bruce Johnson.A new study by researchers Huggland and Okumus reveals how Gen Z's travel habits and expectations are reshaping the guest experience. Their feedback from a 3-year mystery shopping study shows where hotels need to step up—and fast.Gen Z travelers prioritize convenience, safety, and intuitive tech over traditional brand loyalty.Digital check-ins, intuitive room controls, and reliable Wi-Fi aren't perks—they're baseline expectations.“Sometimes the little things can mean a lot,” said one Gen Z traveler. “We want crystal clear instructions and not have to ask for help.”0:00 Intro with Paul J Daly and Kyle Mountsier0:45 The halloween costumes around the office today2:53 Upcoming ASOTU Edge Webinar with Foureyes3:20 The Nexperia Chip Crisis5:44 CDK's Dealership Employee Satisfaction Rises to 84%9:20 What Gen Z Is Saying About HospitalityJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Today, on Karl and Crew, we continued our theme "Five Stunning Realities of the Gospel. Our scripture reference was Mark 6:42. We had a great discussion on how the Gospel is about provision, yet it's always about satisfaction. God wants us to be satisfied in the soul. We heard so many listener calls sharing the joy they have in God's provisions in their lives...and usually it's the simplest things. We spoke with Dr. David Nelms, the Founder of The Timothy Initiative (TTI). He shared that one of the most significant provisions of the Gospel is that we can love others and tell others about the Gospel. The Great Commission is great, but the Great Commandment to love others as God has loved us and tell them the Good News is even greater! Dr. Alex McFarland also joined us. He's a Christian apologist, author, evangelist, and culture analyst. He emphasized that the greatest satisfaction found in the Gospel is the cross! Every other provision and satisfaction comes from what happened on the cross. People can miss the blessings because they don't understand and culture is unstable. He offered 10 Questions Every Christian is asking or soon will be (to receive: text TEN to 1-800-555-7898). Also, his latest book is called "100 Bible Questions and Answers on Prophecy and the End Times". You can listen to the highlights of today's program on the Karl and Crew Showcast. If you're looking to listen to a particular segment from the show, look at the following time stamps: Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
Send us a textEagles right the ship the past 2 weeks after a rough couple weeksWIP can SMDEagles coaching staff coming into their ownFlyers are young and funSixers undefeated behind rookie sensation VJ and phenomenal play from Maxey Follow us on twitter.com/talkin215 facebook.com/talkin215 IG @Talkin.215 YT @Talkin215 Email us at Talkin215@Gmail.com You or anyone you know suffer from a new or chronic injury? Send them over to DOS for the best care possible. Schedule an appointment today at DelOrtho.comOr call 302-655-9494 Car filthy and need a clean? Ask your phone to "Take me to white glove carwash" for the best wash you can get. Satisfaction guaranteed!
The Secret to Satisfaction
Most people think success is about doing more.Working harder. Moving faster. Pushing to the end of the year before finally taking a breath.But true success — healthy success — is about rhythm, not rush.In this episode of the 30 Days to Happiness Podcast, Holly explores The Art of Healthy Ambition — how to dream big, build sustainably, and stay grounded in peace, purpose, and faith.She opens with the timeless Bamboo Parable — the story of how growth often happens underground, unseen, and in silence — before it suddenly shoots upward in divine timing.From there, Holly dives into:
Parte da cobertura do Feito por Elas da 49ª Mostra Internacional de Cinema de São Paulo, essa conversa com a cineasta Alex Burunova aborda o filme Satisfação (Satisfaction), protagonizado por Emma Laird, que foi rodado na Grécia e levou 10 anos para ser executado. Camila Henriques conversou com Alex sobre o filme.Feed | Bluesky| Instagram | Letterboxd | TelegramEntrevista, pesquisa, pauta e apresentação: Camila HenriquesEdição de som: Isabel WittmannTranscrição e tradução: Isabel WittmannProdução e arte da capa: Isabel WittmannVinheta de abertura composta por Felipe AyresMúsica de encerramento: Bad Ideas - Silent Film Dark de Kevin MacLeod está licenciada sob uma licença Creative Commons, Attribution, Origem, Artista.Apoie nosso financiamento coletivo: https://feitoporelas.com.br/apoie/ ou pix contato@feitoporelas.com.brConfira a transcrição traduzida da entrevista no nosso site: https://feitoporelas.com.br/49ª-mostra-de-sao-paulo-entrevista-com-alex-burunova/ Essa cobertura foi possível graças ao nosso financiamento coletivo. Agradecemos em especial a: Carlos Henrique Penteado, Gizelle Barros Costa Iida, Helga Dornelas, Henrique Barbosa, João Bosco Soares, Janice Eleotéreo, José Gabriel Faria Braga de Carvalho, José Ivan dos Santos Filho, Lorena Dourado Oliveira, Lucas Ferraroni, Marden Machado, Mariana Silveira, Nayara Lopes, Patrícia de Souza Borges, Pedro Dal Bó, Vinicius Mendes da Cunha, Waldemar Dalenogare Neto, Zelia Camila de O. Saldanha.
We give up on those we profess to love too soon. There is something primordial, something gossamer, to do with the body, to do with first inchoate impressions, which attracts us to one another in the first place. Because relationships often begin in shallow waters. As things start to become serious, the couple traverses depths. It's not easy. And unexpected. Murky, weed-laden, algae-full. The clear eyes and the pellucid surfaces of early days is suddenly overladen with things about each other we don't even recognize. It is difficult to swim through the muck. For it seeps into our pores, into the day-&-night of our lives, into our senses, and suddenly everything which was golden turns murky, overladen with offal. What attracted now repulses. This is when things start collapsing. We completely forget what brought us to each other in the first place. In the old days, when coupledom, marriages, were unending, and meant for forever, this was a phase which was meant to be borne, till it passed - and one learnt to live with it. Often, things remained as they were, however deep the relationship went. Toxicity was the norm. Individually we were supposed to grow, as a couple we were supposed to fly. Instead there was claustrophobia and a sense of doom. But the tragedy often was elsewhere. The tragedy was when we never gave a chance to time and change. Because as one swam through the muck, something magical often started to emerge. Pellucid waters. Depths which captured light like mussels catch pearls. Where the muck was the rough exterior but grace and beauty were permanent residents - albeit hidden. For the couple, there was a sense of transcendence. And since it was reached with patience, forbearance, commitment, there was a sense of gratefulness and wonder which filled us. So, beyond anything and everything, relationships need the patience of space. Time's hard knocks are a phase to build resilience, to understand the other, and more importantly, for us to uncover layers in ourselves we didn't know existed. Discovery and understanding are both the magnet and the glue which holds a couple together. If you liked this poem, consider listening to these other poems on the passages of relationships - Lovers Who Synchronise (and those who don't) Return to You I Said I Love You First Subscribe to my newsletter 'The Uncuts' Follow me on Instagram at @sunilgivesup. Get in touch with me on uncutpoetrynow@gmail.com The details of the music used in this episode are as follows - Satisfaction by Sascha Ende Reaching the sky by Alexander Nakarada Link: https://filmmusic.io/en/song/Satisfaction Link: https://filmmusic.io/en/song/Reaching-the-sky Licence: https://filmmusic.io/standard-license
The Dean's List with Host Dean Bowen – It seems that the decrease in satisfaction is mainly coming from Democratic families, as their contentment in public education dropped by 12 points to 42%, which nearly ties 2003's low for the party at 41%. Naturally, Democrats are dissatisfied with the only thing that will actually save public education: the changes the Trump Administration is...
Send us a textEagles get a huge win in MinnesotaHurts with his greatest regular season game of his career.BG IS BACK!Phillies continue to be morons Follow us on twitter.com/talkin215 facebook.com/talkin215 IG @Talkin.215 YT @Talkin215 Email us at Talkin215@Gmail.com You or anyone you know suffer from a new or chronic injury? Send them over to DOS for the best care possible. Schedule an appointment today at DelOrtho.comOr call 302-655-9494 Car filthy and need a clean? Ask your phone to "Take me to white glove carwash" for the best wash you can get. Satisfaction guaranteed!
Hello to you listening in Salta, Argentina!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Wednesdays on Whidbey and your host, Diane Wyzga.I have decades of story prompt exercises to help my clients clarify their ideas, create their origin story, amplify their message, and connect with their audience in a way that authentically influences them to take desired action. In my experience practicing with fewer words focuses the core message. From there we can expand to a longer story.Practical Tip: Recall something that brought you satisfaction or contentment today. Share a glimpse of your satisfaction or contentment in a “9 Word Telegram.” 3 lines. 3 words on each line. First line is the beginning of your story. Second line is the middle of your story. Third line is the resolution or conclusion. For example:Day breaks coldTrekking forested hillsWon't back down!ORDemocracy under assaultMillions defy lawlessnessRallied nation rebornORFall down 7Get up 8Persevere through hardship CTA: If you're ready (or getting ready to be ready) to work together to make your written or spoken word clear, concise and cogent please feel welcome to reach out to me at Quarter Moon Story Arts for your free Story Start-up Session. You're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. Be sure to stop by my Quarter Moon Story Arts website, check out the Services, arrange a no-obligation Discovery Call, and stay current with me as "Wyzga on Words" on Substack.Stories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicALL content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved. If you found this podcast episode helpful, please consider sharing and attributing it to Diane Wyzga of Stories From Women Who Walk podcast with a link back to the original source.
RUNDOWN In the aftermath of the Mariners' heartbreaking Game 7 loss to the Blue Jays, Mitch Levy and guest co-host Danny O'Neil of The Dang Apostrophe open Episode 355 with Danny confessing that he's “pretty mad,” venting at an online heckler named Tad Piland while Mitch directs his anger toward the Fox broadcast crew for comparing Toronto fans' “long wait” to Seattle's five decades of heartbreak. The conversation pivots to the Seahawks, whose 27-19 win over Houston somehow feels more lucky than convincing. Danny rails against red-zone play-calling and Cooper Kupp's gadget-pass interception, while Mitch notes that at 5-2, Seattle still looks like a playoff team in a vulnerable NFC. In the season's final Mariners No-Table, Mitch is joined by Brady Farkas (Refuse to Lose Podcast) and Joe Doyle (Over Slot) to dissect Seattle's crushing Game 7 loss to the Blue Jays in the ALCS. The trio reflect on the gut-wrenching ending, the broadcast's “Toronto sympathy” narrative, and the irony of yet another near-miss season for long-suffering Mariners fans. Both guests try to balance heartbreak with appreciation for an unforgettable year that included Cal Raleigh's historic 60-homer season, Brian Woo's rise to ace status, and J.P. Crawford's clutch moments. The crew breaks down Seattle's Monday Night Football win over Houston — a game defined by the defense and marred by offensive miscues. Brady and Jacson praise Ernest Jones and Drake Thomas for anchoring a top-five-level unit that pressured C.J. Stroud all night, holding Texans running backs to just 31 yards. On offense, Sam Darnold's four turnovers and a baffling Cooper Kupp trick-play interception left points on the field, but Jackson Smith-Njigba's 123-yard night and a late show of maturity salvaged it. CBS analyst Rick Neuheisel, presented by Taco Time Northwest, returns to unpack a chaotic Week 8 — from Indiana's Kurt Signetti leading the Hoosiers to No. 2 in the nation to Clark Lea's Vanderbilt stunning LSU. Rick tells the underdog stories of the year: two former football “afterthoughts” now crashing the playoff picture. He credits Signetti's “bet on himself” coaching path and calls Vandy's 2025 run “one of the greatest modern turnarounds in college football.” GUESTS Daniel Timothy O'Neil | The Dang Apostrophe on Substack Brady Farkas | Host, Refuse to Lose Podcast (Mariners on SI) Joe Doyle | MLB Draft & Mariners Analyst, Over-Slot Substack Brady Henderson | Seahawks Insider, ESPN Jacson Bevens | Writer, Cigar Thoughts Rick Neuheisel | CBS College Football Analyst, Former Head Coach & Rose Bowl Champion TABLE OF CONTENTS 0:00 | Game Seven Gut Punch: Seattle's Sports Hangover Hits Hard 4:35 | BEAT THE BOYS - Register at MitchUnfiltered.com 8:08 | Two Runs from Glory, Miles from Satisfaction 31:47 | GUEST: Mariners No-Table; Game Seven Heartbreak: Mariners Fall Short of the World Series in Toronto 1:02:40 | GUEST: Seahawks No-Table; Defense Carries Seattle to 27–19 Win as Darnold Struggles and JSN Shines 1:28:04 | GUEST: Rick Neuheisel; Indiana's Miracle Run, Vandy's Rise, and Dabo's Slide — Rick Neuheisel on the Wild State of College Football 1:55:43 | Other Stuff Segment: Shohei Ohtani's three-homer ten-strikeout masterpiece, Washington's missed chances in Ann Arbor and upcoming Illinois matchup, Florida firing Billy Napier with speculation around Jed Fisch and Lane Kiffin, Seahawks bye-week talk and whether Tyler Lockett could return, Teoscar Hernandez refusing to stay at Milwaukee's haunted Pfister Hotel, ghost stories, and baseball superstition. RIPs: Doug Martin (36, former Buccaneers RB), Jesus Montero (35, ex-Mariners catcher), R&B artist DeAngelo (51), and KISS guitarist Ace Frehley (74).
Keith sits down with Terry Kerr and Matthew Vanhorn, the leaders of America's oldest turnkey real estate provider, Mid South Home Buyers, to unpack the practical systems that keep thousands of rental units profitable and tenants happy. With national renter mobility dropping, longer stays are now the norm. Average resident stay is 4 years—double the industry average, thanks to proactive maintenance and relationship-driven management. Instead of fighting for eyeballs on Zillow, they target HR departments at hospitals, universities, and major employers, tapping into pre-screened, income-verified tenants with stable paychecks and predictable work schedules. Invest where returns still make sense. Visit midsouthhomebuyers.com to book your investor tour and get $500 off your first property. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/576 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE I'm your host. Keith Weinhold, learn about how to cut your rental property vacancies and keep tenants twice as long. Why Memphis, Tennessee stays the cash flow King, and exactly where to find really low cost, quality properties today. That make sense from day one today on, get rich education. Keith Weinhold 0:26 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There is real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989, Corey Coates 1:39 you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:49 Welcome to GRE from New York's Long Island Sound to Washington's Puget Sound and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. There's an economic trend that you need to be aware of. We're going to talk about how you can play it in this era, sources ranging from Redfin to Housing Wire and others, you know they're all in agreement that the transiency rate, that mobility rate for Americans, is down. And what that means is, when people find a place to live, whether they're a property owner or a renter, they are staying put longer. They put this big, heavy anchor down, and that kind of goes along with employment. Although the unemployment rate is low right now, there aren't very many people moving jobs or changing jobs. So the rate of hiring is low, that's bad, but the rate of employer firings is low, that's good. So on balance, Americans are keeping their job if they've already got one, and they're keeping their home if they've already got one. But because movement has slowed, as we are in this slower housing market, I'll drastically oversimplify here. All right, a few years ago, you might have had a tenant stay for two years, and then there would be a one month vacancy between tenancies today, double both of those. You're more likely to see a four year stay, but two months between vacancies. So your occupancy rate, therefore, is the same in both scenarios, but there's less movement. Again, oversimplifying, but you can see the effect a longer vacancy period is bad, a longer tenant retention period is good, all right. Well, how do you increase your tenant's length of stay and decrease that vacancy in order to be more profitable as an investor and yet give your tenant a satisfactory experience too well. One thing that you can do is list your vacant unit with an employer. Yeah, advertise it through a local stable company. You're going to end up with higher quality tenants. See, there's already this built in screening that was done for you. The employer basically did that for you. So when you work directly with especially hospitals, universities, corporate campuses or military bases, what you're doing is you're fishing from a pond of already vetted, income verified and drug screened candidates. See these tenants what they had to do. They already had to pass HR background checks and employment verification in order to get their job. So for you, that saves you both risk and time compared to the you know, the Craigslist style roll the dice crowd. Now, Of course, we cannot discriminate against certain groups of people, and we'll get into that shortly. But of course, steady employment equals steady rent tenants sourced through employers. They usually have reliable paychecks, often through direct deposit. They've got predictable work schedules, and there's going to be less income volatility. So that means that you'll have fewer late payments and lower eviction risk. And some landlords, you know what they do, they even structure rent payments through payroll deduction. I mean that essentially automates the rent collection. Yes, you can do that. Employees who move for a job, they often sign longer leases, because relocating again would be a hassle. So many will stay in your unit as long as they stay employed. That could be two years or five years, especially in the health care, education and tech sector. So less turnover means fewer make ready costs for you, fewer showings and just more ease and peace of mind. So advertising through employers that is a really low competition marketing channel as well. You know, most landlords, they blast their listings on Zillow apartments.com or maybe Facebook marketplace. Well over there, your post is just one out of hundreds, instead of all that competition, what you're doing is you're finding quiet, uncrowded channels when you utilize these employer housing boards and their HR relocation departments, and this way you can even get inside that company's internal newsletters so you're reaching renters before they can even start scrolling listings over on Zillow and see employers love this too. It's not like the employer is having to do a favor for you. They love it, because when they can help new hires or transferees find housing, it's better for that company. It reduces the employee's stress. It improves the retention at that company. If they have an employer that's satisfied and has a good place to stay, and it really boosts that company's recruiting success. So you're helping yourself, you're helping that company, and you're helping their new employee, which is your tenant. So this makes HR departments. They are surprisingly receptive to you. They might even circulate your listing internally or add you to their housing resource list. So this is a perfect fit for these hands off turnkey investors. So if you're doing that or you're managing properties remotely, this employer outreach, it really gives you a nice extra layer of reliability. And as far as the people that will be your tenants, think about nurses, engineers. IT staff, sometimes teachers, sometimes military based personnel. I mean, they are all ideal long term tenants. Now the way that you can actually do this and put it into practice is identify major employers that are near your property, that could be hospital systems, that could be universities or manufacturing plants, then contact their HR or the relocation department, and after that, it's not hard just provide them with a concise PDF or a one page flyer with your property photos and the monthly rent amount. And one thing you can do, and you should in this case, is put the distance or the time it takes to travel to the employer from your rental unit, and then add your contact info. That is exactly how you do it. You can offer a small incentive, like $50 off the first month for employees. So this is a slick way to advertise your vacancy with employers and make you more profitable over time. Keith Weinhold 7:02 Now today, we're going to talk to who is actually America's oldest turnkey real estate company. As far as we know, they're based in Memphis, Tennessee, and we'll learn how they advertise a vacant unit and screen prospective tenants and place them and maintain their units over time. They are called mid south homebuyers. You've heard them on the show before, and because of their success, both investors and other real estate companies, they actually listen in intently to what these people have to say. I mean, others study them and learn from them. These are the people other companies study, and you're still going to hear from their principal and their sales lead about reducing your vacancy time and increasing your tenant duration. And, you know, it's just kind of funny how often Memphis, Tennessee, which is where they're based, how often this comes up in cash flowing real estate conversations that you have out there over time? I mean. And Memphis consistently has the best cash flow, maybe, amongst any substantial Metro in the nation. We'll just say among metros that are big enough to have a major pro sports team. I mean, Memphis does have the NBA Grizzlies. There aren't many other cities that can even compete with Memphis as the cashflow King, although there are some that you can work into the conversation. Indianapolis, Cleveland and Oklahoma City are some of those places. Now, before we're done, you'll also learn about how, even following this generation's big inflationary wave, how purchase prices are still as affordable as they are in both Memphis and Little Rock. I mean, this is going to make you ask out loud today, how could they still be so low? We'll also talk about conventional, enduring property management techniques today, now next month here on the show, we're going to talk about how you can use AI to self manage your properties, and that show next month is going to be with an expert straight from Silicon Valley. We're going to talk to the CEO of hemlane then and their AI driven property management software. She used to work for Apple, and she's got a Harvard Business School degree. That is next month today. It's about tried and proven techniques to make you more profitable as an investor Keith Weinhold 11:24 I'd like to welcome in longtime friends of the show, with the emphasis on long time since they were first here with us, nearly 11 years ago, They are those ever steady property providers based in Memphis, mid south homebuyers. They also serve Little Rock, Arkansas. I have physically walked their offices and properties in person myself. They are, in fact, America's oldest turnkey real estate provider. And it's the return of their founder and principal, Terry Kerr and a second guest who you'll meet shortly, Terry, welcome back on of the show. Terry Kerr 12:04 Thanks so much, Keith, so glad to be back. Keith Weinhold 12:07 Congrats on your success. Your model and operation is prominent and exemplary nationally. You've now grown to 110 w2 employees there, and your 13 plus year property management guru who's been leading that entire division is now your sales director. It's terrific to introduce him to the world today. Matthew Van Horn, Matthew Vanhorn 12:31 Keith, so great to be on here. Long time listener of the show. Really great to meet you. Keith Weinhold 12:36 Yeah. Appreciate it now you'll soon be listening to yourself on the show. GRE, listeners are familiar with the turnkey real estate model. What you do is buy a distressed property, you rehab it, and then you place a tenant in the property, and you hold on to that for investors across the nation for the production of long term cash flow. Well, let's get an update between Memphis and Little Rock. How many properties do you hold under management for investors now and then? What percent are single family rentals versus other types? Terry Kerr 13:07 Right now, we're about 57 maybe a little closer to 5800 and the vast majority of them are single family houses. I'm going to say probably. What 5% are duplexes? Matthew, something like that. Yeah, something like that. So no other multis, just single family, most of them rehabs. And of course, now we're doing a new construction direct to rental as well. Keith Weinhold 13:29 Interestingly, with 58 to 5900 rentals, I mean, you can easily sort of be your own surveying outfit in an informal way, in finding out what's happening with the market, what all the dynamics are. So why don't we start at the beginning, when you're marketing and advertising and looking to place a tenant, tell us about just what you look for, just what you need to avoid. I mean checking for the tenant. That typically involves an employment check, a credit check, a rental history. Sometimes something might appear like a red flag, say, a 590 credit score. Would you always accept tenants in that condition? Because there are times when there are extenuating circumstances when a tenant with a 590 credit score actually might be a good placement. So tell us more about that screening. Terry Kerr 14:17 As you know, it is renters that drive our returns as investors, and so selecting the right renter is where the money is made in this business, for sure, we are doing as much screening as we can for our renters. There's a lot that goes into that. We actually have a whole processing department. You know some people here who spend their whole day working in the processing division. And what you really got to watch out for, as far as red flags, is just fraud. There are so many ways you can use machines to defraud, and we have people who are able to detect and weed out the bad actors there, but we know what works really well. We have, for instance, in. Arkansas, the main employer of our residents is Baptist Health Medical Center, and we love our healthcare workers there. So that's a place that, you know, starting from the marketing side, we're going to dial up our marketing in those places we're going to go to the HR department, or we're often in the HR department of Baptist Health Medical Center, pushing and asking for referrals from them, you know. And same with just referrals in general, good tenants tend to refer other good tenants. We're of course, looking for strong income that we can verify. And more than anything, we're looking for strong, credible current rental history, so someone who's paying the rent today somewhere to a verified landlord, not their sister, you know, but a very verified landlord. That's the big thing, Keith. Keith Weinhold 15:50 Tell us more about that. That's great that you're being proactive and getting right in there with a stable, steady employer. That is where our rent comes from. After all, are there any other red flags, maybe things that people would not think about identifying as a red flag when it comes to that employment, in that credit, in that rental history Matthew Vanhorn 16:11 one reason I bring up the localized marketing that some people may not think about is that renters who move from Out of state often will land in a place and then stay there for one year, which is fine, but then they often don't renew their lease and they'll move somewhere else. Now, of course, what we have to do above all is we have to be legal, you know, so we can't discriminate against someone from coming from out of town, but what we can do is dial up our localized marketing so that we're getting people who are in the neighborhood, who love the neighborhood already where they are, and so that contributes to longer residence days, and it's just little things like that. Once again, you're looking for employment that you can verify, so that you know that you're getting a quality renter. Terry Kerr 16:59 I'll also say that one of the ways that we try to attract the most potential residents we can is by having a free application. So typically, a property management company is going to charge, you know, 50 to 75 bucks per applicant. And we're very fortunate that we've get a terrific deal from Equifax, because we're also lenders, we do some lending to our investors, which gives us a really good deal on paying for credit checks. And so we waive those fees for our residents. And so a lot more folks are going to apply with us, because it doesn't cost them anything to apply. And of course, the more people that apply, you've got a much better shot at a filling the property quicker, but also finding a much better resident. Keith Weinhold 17:44 well this is a great part of building the connection. One of the first interactions they have with you is realizing that you don't have any application fee. And AI can be great for marketing and for doing things like writing listing descriptions, but you build that human connection there. For example, you do in person showings. You invite prospective tenants in current tenants into your physical office, kind of replacing society's trust crisis with humanity. Matthew Vanhorn 18:14 Yes, that's right, Keith. In the last 12 months, we've spent more money than ever on technology, so we are leaning heavily into creating the systems and processes that allow us to get to our service quickly. And at the same time, we've invested more into staffing up in the past 12 months, into inviting people into our office, you know, and we can still do everything remotely. We can do it virtually for folks who want that, we found that a lot of residents love to look us in the face, and they like to come down to our office, and they like to sit across from Karen and across from Gabby, and they just love the personalized experience that we give them. It's hard to quantify it, Keith, but I just really believe that it drives longevity, right? Keith Weinhold 19:04 Having a face behind that rental because your properties are freshly rehabbed, or, in some cases, they're new builds, so hopefully you won't have too many tenant service calls once they do become a resident, and you don't need to interact with them all the time, though you're there for them, but once you have chosen a tenant, and that tenant is placed, you know somebody has to be the adult in the lease, and we sincerely hope that the tenant is one of them. So with regard to that, how do you help ensure that tenants keep making on time payments, and you can keep tenants and not get ones that break the lease. So can you speak to us about that, how you can help identify that in the screening and then that ongoing relationship? Matthew Vanhorn 19:47 I will say that perfect vetting does not necessarily lead to perfect collections, because it turns out that every one of our residents, they are humans, and as humans, we run into things you. Know, divorce can happen. Relationship breakups can happen, job losses happen. Just very human things happen. And so we like to stay in touch with our residents as often as possible, and very much encourage an open line of communication. We very much believe in compassion based collections here at Mid South. And so when residents fall upon hard times, we are truly there for them. Memphis actually has more nonprofits per capita than any place in America then. So when residents do fall on hard times, you know, and it happens, we're actually able to reach out. We have connections with several agencies that can help with rental assistance for renters who need it, we found that by pouring into our staffing with the resident support and solutions department that we've had a lot of success in collecting just by keeping that relationship intact when the pandemic hit. For instance, and I know that's been a few years from now, and maybe we all want to forget it, our collections rate actually went up during that time, and I attribute that largely to the fact that, number one, we had a relationship in place with our renters. We staffed up, and matter of fact, we had a full time person just working to get rent assistance for those renters who kind of had been disenfranchised by the pandemic Keith Weinhold 21:26 during pandemic times or post pandemic times whenever it is us as investors, we're always interested in reducing that vacancy time. We seem to be in a period, at least nationally, where when people get a hold of a place, they want to keep it and hold on to it. In a lot of markets, the duration of a tenancy has been increasing. So despite what era that we're in, can you talk to us about some of the best practices for how you reduce the vacancy time? Because we all know vacancy and turnover is our biggest expense over time. As investors, Terry Kerr 21:58 I like to say, you know, at the heart of what we do is making sure that when a hard working, single mother comes home at the end of the day, she can give her child a hot bath. And that's not possible if the water heaters out. And that's just one example, but our main job is to give a good quality of life to the residents that we are caring for, and if we can do that, and if we can treat them with respect when they do fall on hard times, like Matthew said, they're going to want to renew the lease. So we have got a almost twice the average length of stay as the industry average, which is we've got about a four year average resident stay. And when folks move out of a mid south house, it's not because they can find a better value they're going to get. They're already in the nicest house on the street. And if something breaks, we're out there lickety split to fix it. When folks move out of a mid south house. It's either because they're downsizing. Kids are moving out, or they're going up because they're having their family increases and they've got to move up, or maybe something happens to them, like Matthew mentioned, you know, death, divorce, disability, these things happen, right? But no one's moving out because they can find a better value or because they're not getting the service or respect that they deserve. Keith Weinhold 23:25 That says a lot. Being managers of 5800 to 5900 properties, which gives you this sort of canvassing or de facto surveying ability that you have. What are we seeing for the direction of rents? We'll get into rents and prices later, because nationally, rents are just holding steady. They're really not rising very much. What do you see there? Matthew Vanhorn 23:49 Yes, we saw them fairly stable. Over the course of 2024 I have started to see an uptick here in the past few months, I will say, which is encouraging for investors, for sure, each month, I'm looking at all of the renewal rates personally, to kind of look at that, engage the market. And like you said, it really is helpful. I mean, yes, we have all the tools, Zillow, rentometer, all these things, but there's nothing like just our own data of seeing, hey, what's the house across the street renting for? You know, how long did it take for that to rent and incorporating that into our data. And right now, our houses are moving at a faster pace on the leasing tip, which rent increases tend to follow that Keith Weinhold 24:30 when it comes to optimizing rents, a lot of that coming back to reducing vacancy time. There are a number of strategies that one can employ now it's not with you guys, but I have a single family rental home in another market, and one promotion that that manager is running and encouraged me to participate in is a 50 inch flat screen TV having that and giving it away to the tenant. Somehow, that only costs $250 so I decided to do that. At for a vacancy that I have there in that market. Now, some investors might say, you know, why am I buying TVs for a tenant? I'm already providing them with a place. If the rent is 1500 bucks, a $250 TV only costs five days of vacancy, and that helps me reduce that vacancy period. Might even make a tenant want to stay longer, so sometimes you got to be thinking about how your tenant thinks, and you can come up with inventive ways to reduce vacancy. Do you have anything like that, any small concession that you've offered or have needed to offer in either market? Terry Kerr 25:33 Well, we haven't done anything like that, Keith, but what we do like to do, and Matthew mentioned this earlier, is as great tenants tend to refer other great residents, and so we have a referral bonus that we pay out to our residents that refer other folks to us, and that does not come out of the pocket of our investors, that comes out of our pocket, because it's our job to make sure that We rent these properties as quick as we can to qualified residents. Keith Weinhold 26:04 One thing that I've liked about Memphis, which few markets have, is that it's embedded within renter culture in Memphis, since it is such a renter city, that renters travel with their appliances, like the refrigerator, in their stove, in their dishwasher, which always seems crazy to me, so you're not providing those appliances. It seems like that fact alone might help with resident retention in Memphis. They're just less likely to move when they have more stuff to move. Matthew Vanhorn 26:35 Yeah, it's really true. Yeah. And the longer people stay, the longer they tend to stay as funny as that sounds. And yeah, that's something that we found even in our new construction homes where we do provide the appliances we've been finding in many instances, still the residents are coming with their own appliances. And so we're storing our appliance, our brand new appliances, in our warehouse. Keith Weinhold 26:58 Wow, yes, that's just something that you don't see in other places. And when it comes to retention, we're interested in maintaining the property like you talked about being proactive with are there some other things you do to help ensure that the maintenance expenses stay lower throughout the lifetime of that investor ownership? How do you approach that? Terry Kerr 27:16 It really starts with doing a full blown rehab, right? So every once in a while, you know, we'll have houses that, you know, have some age on the components. But when we do a rehab, everything is brand spanking new, like a new roof, gut, the kitchen, got the bathroom, you know, all new electrical, all new plumbing, all new HVAC, a new water heater the whole nine yards. So it starts there, and then when a property turns over, we go into the property, and we are looking for safe and clean, right? So we want to make sure to keep the water out. We want to make sure that everything is safe and the property is tip top and super clean. Fortunately, the folks that are maintaining the houses for our investors. The technicians are the same technicians that did the renovations on the property, right? And it's the same materials. Yeah, it's like, we have an assembly line and a junky house jumps on the assembly line, and we rip everything off, and all the same materials jump back on the house. So we're able to keep costs low because of that, and also because the labor that we end up having to pay the technicians typically is a lot less than normal, because they're used to working on the same water heater, the same HVAC system, you know, the same furnace, the same dishwasher. So our volume model kind of helps with that. Keith Weinhold 28:39 Oh, if you were listening closely, yes, what a huge efficiency that can be. You fellas, have any last thoughts about efficient property management, since that's what you've led for more than 13 years, Matthew, Matthew Vanhorn 28:51 I resonate with what you said about how many investors overlook vacancy costs when properties turn over. And so I think it's just getting your rents right on the money, maybe just a little below, can actually drive returns, as opposed to maybe trying to get an extra 25 bucks more, which takes you three weeks longer to rent. You actually did not come out ahead in that, in that scenario, Keith Keith Weinhold 29:14 today, with inflation, a $25 difference, I mean, we're down to what 12 hours of vacancy is, really how we're talking about there Property Management turning a passive income into an active lifestyle since forever. That's what they do. Property managers are the people that have never met a maintenance issue that waited until business hours. So that's why I'm grateful that my managers do what they do for me. That's what we're talking about today. More when we come back with Terry Kerr and Matthew Van Horn of mid south homebuyers, I'm your host. Keith Weinhold Keith Weinhold 29:45 if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why. It matters to get clean, free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor. It's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video course, completely free as well. It's called The Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com Keith Weinhold 30:56 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Tom Wheelwright 31:31 this is Rich Dad Advisor Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 31:37 welcome back to get rich education. You've got the pleasure of listening to the voices of America's oldest turnkey real estate provider mid south homebuyers based in Memphis, Tennessee, and some years ago, they branched out to Little Rock, Arkansas as well, just about a two hour road trip west of Memphis. When us as investors buy a property, we've got to be cognizant of the fact that that property swims in an economic ocean, and therefore job vibrancy is, after all, how the tenant pays the rent. So tell us about economic developments in Memphis and Little Rock, because there are some exciting ones. Matthew Vanhorn 32:24 So yeah, both in Memphis and in Little Rock, we've got the roads, we've got the rivers, we've got the rails, which drives both Memphis and Little Rock as distribution hubs here in the middle of America. And so of course, FedEx famously has their headquarters here in Memphis. Many of your listeners will know it's the largest cargo airport in America. We've had a resurgence of X. AI has actually come to Memphis and built the world's largest supercomputer here in Memphis, and they're actually working hard now on building a second called Colossus two, which is going to be even larger. They're saying it may hold as many as 1 million Nvidia chips, which I can't do that math, but that's a lot of money. And so x AI is has quickly become the second largest taxpayer here in Memphis and in Shelby County. And 25% of those tax proceeds, by the way are going, they're earmarked to go right into that local community beside where the plant is, and all the development is in Little Rock. You know, of course, it's Arkansas's largest city. It's the capital city, and so by nature of that, there are many stable state government jobs there that is a bulwark of the economic development there. There is a actually Fintech startup space is big in Little Rock as well. Lockheed Martin has been doing developments there, so a lot of aerospace development around Little Rock. Folks who look at our homes will also notice that we are in Jacksonville, which is a suburb of Little Rock that's anchored by the Air Force base there in Jacksonville. And there's actually a large munitions supplier there, Sig Sauer, which provides a lot of jobs to the locals there. And our number one, I may have mentioned it earlier, our number one employer in Central Arkansas is actually Baptist Health Medical Center. And just generally speaking, health care workers make up the largest portion of our residents in Central Arkansas. So a lot of great economic drivers that we're seeing bringing renters to Little Rock and and new jobs there. As a matter of fact, not just that, but I noted recently that the cost of living in Little Rock is now 10% below the national average. I think we had a report on our website a few years ago that it was 6% and that's actually. It's only becoming more favorable to live in Central Arkansas. Keith Weinhold 35:04 You're talking about stable and growing drivers here, AI related businesses and healthcare. Let's talk about those rents and prices. Because really, this is one reason why national investors are so drawn to that area. It's that high affordability and that high ratio of rent income to purchase price. So what sort of rent and price ranges are we looking at in both markets now, Matthew Vanhorn 35:29 it's not the same as it was when I started here in 2012 Reds have increased and so, you know, average rents around here start around 900 and now we're going up to about 1700 toward the high end there. And you know, the great news is that incomes have increased as well, and so our renters are able to afford this just as well as they were before. Or maybe even better, like I mentioned, cost of living in Arkansas has actually improved. And so what that means is people are actually making more money compared to the rent, even though rents have increased, which I believe is good news for investors, and it's been good news for us as a management company, as I think that contributes to the resident longevity there, once again, Keith Weinhold 36:17 nowhere in the nation Do we hear enough about increased affordability stories, which is exactly what you have when your income rises faster than your rent, which is a harbinger of being able to increase the rent in the future. Tell us more about the rent in price ranges in both markets. Matthew Vanhorn 36:35 In Memphis, if you get a two bed, one bath, you can often find that for as low as 808 850, something like that. As you step up into a three bed one bath, that's going to be somewhere between 1000 1200, depending on where you are in the city, there in Memphis, if you're in our new construction homes, those can range between 1395 all the way up to 1850 once again, depending on the size of the construction and the location out in Arkansas, rents tend to be just a little bit higher than in Memphis. So you see the rent starting there around 950 and going up to just under 2000 Keith Weinhold 37:19 and we're interested in that capital price, because a lot of times, investors think about their purchase through that perspective of the ratio of the rent income to the purchase price. Matthew Vanhorn 37:30 As far as sales price goes, Keith, we started right around $100,000 on the low end, and those can range up to 240,000 thereabouts, on the high end, if you're talking about a new construction, three, two with a two car garage in an appreciating area. You can see that sort of range in Memphis, very similar, very similar. We have some of our smaller rehabs starting as low as 100,000 and going up to about that $215,000 range. Keith Weinhold 38:04 Now, I would imagine, in the inflationary era that we're still in, that you get investors that call in there, and you do have these robust interactions with investors, where you talk with them on the phone like a human being, and people that say, come on. How can you get a respectable tenant in a single family rehab rental home that only costs $120,000 How do you handle questions like that? Matthew Vanhorn 38:30 That's the whole job here is explaining that Sure, no where our renters are living. It's the best home that they've ever lived in, and it's it's in a affordable area. It's in an area where their friends live, where you just have workforce, just blue collar, but beautiful neighborhoods where they live. And I mean, they're proud to call these houses their home, and for many, it really is their dream home. Keith Weinhold 38:55 People mold their lawns. The streets aren't littered with trash. I know where you guys invest. I've been on the streets there with you, checking them out. What percentage of investors finance the property, and how has that changed over time? Terry Kerr 39:09 I'm going to say that it's probably about 75% finance, 25% cash. A lot of your listeners come with their own mortgage broker. The ones that don't, we have our tried and true mortgage brokers. Interest rates are not 4% anymore, and some folks are are wanting to pay cash, and they do, and some of them will pay cash, and then, you know, plan on refinancing later. But right now, that's probably about 25% cash, 75% finance. Keith Weinhold 39:36 Yeah, it's interesting to see that direction, since rates did begin to get higher in 2022 you have this robust interaction with investors, but that doesn't only have to be over the phone. You guys are so proud of what you do that you've long offered investor tours. In fact, now you're doing more of those investor tours than you ever have. I believe you're doing 11. In tours per year in Memphis, and five in Little Rock as well.So tell us about that. Terry Kerr 40:04 I guess it was maybe seven or eight years ago. We're so stoked that everybody wants to buy houses from us, and we've got, you know, a short wait list, and that's awesome, but we want folks to come visit us, and so, you know, we just started offering folks $500 off of the purchase of their first home, if they'll just come visit us. And so we know it's in our best interest to try to get to know our investors on a personal level, and the investors that do come to visit us, and we're able to pull back the curtain and show them, you know how operational efficiency benefits them as investors. I think they appreciate it, and then we do also just kind of like the nerd out on the nuts and bolts of the business. So it's fun to be able to pull that curtain back. Keith Weinhold 40:48 Now, you don't have to be an investor to come on the tour, either prospective investors or regular investors that are already there can come on the tour. Is the Tour Free? Absolutely. So the tour is free, and you get a $500 credit if you end up purchasing there. Most investors never come physically see the property at all, but you sure can do that, and they make it really easy for you. Well, this is going to help a lot of people, especially when we think about how to manage the tenant and reduce our vacancy time in today's era. Before I ask how our listeners can learn more about you. Do you have any last thoughts at all about anything that we discussed management or properties or tenants or anything else? Maybe I did not think about asking you. Matthew Vanhorn 41:32 I'll just go back to Keith talking about how well staffed we are here at Mid South. I think that's where we stand. Apart from a lot of our competitors is that we're not just two or three guys in an office here, we have over 100 employees. It takes speed to deliver good service. Service leads to satisfaction. Satisfaction leads to the residents staying. The resident staying leads to stacks of cash for you as investors, and the only way you can do that is if you're staffed up properly. And so that's something that you want to ask if you're ever vetting another property manager, is what does your staff look like? And really understand, can they actually provide the service to their residents and to their investors that they're reporting? Keith Weinhold 42:17 You have helped more of our listeners than any other provider in the nation, certainly over 100 of them, perhaps hundreds by now. I'm not really sure if listeners want to get a hold of you, what's the best way for them to do that? Terry Kerr 42:31 Invest at mid southhomebuyers.com Keith Weinhold 42:34 that's a great starting place for you. And that way you can take a look at properties, get thinking about the market. Learn more about their management and get a hold of them. Terry and Matthew, it's been valuable as usual. Thanks so much for coming out of the show. Matthew Vanhorn 42:49 Thank you, Keith. Terry Kerr 42:49 Thank you, Keith. Keith Weinhold 42:56 Oh yeah. Sharp insights from Terry and Matthew at mid south homebuyers today, waiving their application fee means more applicants, a bigger renter pool to choose from, which either shortens your vacancy time or it's going to get you a better quality tenant. Now, a lot of people, they think that real estate is unaffordable and even impossible, but few make it easier and more affordable than these people. And I think I shared with you before that, an 18 year old guy who I do know and have talked to in person, he bought his first ever rental property from mid south homebuyers. So it's kind of interesting. His goal was to own his first rental property when he was 18, and he closed just in time the day before his 19th birthday. I think he's age 20 now, but because fully renovated single family homes can be bought in a range of about 100 to 220k here, and you will put 20 to 25% of a down payment on that your monthly rent is about eight tenths of 1% of that purchase price. Okay, so that's renovated, and then new builds sell in a range of 200 to 260k rent to price ratios on those are a little lower. They're point seven five or so. Now we are here in an era where mortgage rates are in the low sixes for owner occupied that means you'll pay closer to 7% on income properties. But if you go new build, which is really something I've been suggesting to you for a while, if you can swing it, those rates are as low as five and a quarter percent for qualified buyers here, yes, at these low Memphis and Little Rock prices, they've got a few duplexes usually available as well, renting your residence. It's just something that's sort of in the culture there in Memphis, and that's why they're confident in offering a number of guarantees for investors. They just do things that. That other providers don't do in the rare event that your property is occupied and then it somehow falls vacant during your first year of ownership. Their releasing fee is free. They also have a guarantee that you will cash flow after you close. They have a one year bumper to bumper warranty on the renovations we're talking about from the doorknob to the ductwork, and there's a lifetime 90 day occupancy guarantee. What that means is, if your property were ever vacant for that long, they would start paying rent to you on day 91 but you know what's amazing? It's easy for them to offer that they'll tell you that they've never had to pay out on that, because they've never experienced the vacancy of more than 55 days. Just amazing. And all those guarantees I just told you about that is in writing on their website. So if you want to get a hold of them, there's virtually no one else in the nation that makes it easier and more affordable. I believe that's an email address that Terry gave there. Again, it is invest@midsouthhomebuyers.com their website is, as you might have guessed, midsouthhomebuyers.com that's midsouthhomebuyers.com interestingly, you can even look at their income properties. There some provider websites don't let you do that. And again, they offer free tours, and if you prefer, their phone number is 901-306-9009, this week, you learned some great techniques for reducing your vacancy and being more profitable, as well as a provider that can deliver it for you. Should you so choose? The proverb goes, give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime. Well, you've got the option of doing either one or both today, until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 1 46:59 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you Keith Weinhold 47:27 The preceding program was brought to you by your home for wealth building, get richeducation.com
This episode's guests:Yana Yakushina, Lawyer and Researcher.James Lowenthal, Astronomer.Vicky Derksen, Night Sky Tourist.Bill's News Picks:Randomised trial reveals a mismatch between preferences for and hormonal responses to anthropogenic light colour temperatures, PLOS One. Light Wavelength Modulates the Effects of Lighted Nights on Sleep, Metabolism and Oxidative Stress in Female Zebra Finches, Journal of Experimental Zoology Part A: Ecological and Integrative Physiology. The Great New Zealand Road Trip: ‘You New Zealanders take your stars for granted' - the striking words of a tourist that helped turn this Kiwi region dark, Shayne Currie, The New Zealand Herald. This Chappell Roan song boosted interest in a Canadian dark sky preserve by 1,800%, Elizabeth Howell, Space.com. Inside New Brunswick's ambitious plan for the world's densest dark-sky corridor, Jamie Carter, Space.com. Subscribe:Apple PodcastSpotifyYoutubeSend Feedback Text to the Show!Support the showA hearty thank you to all of our paid supporters out there. You make this show possible. For only the cost of one coffee each month you can help us to continue to grow. That's $3 a month. If you like what we're doing, if you think this adds value in any way, why not say thank you by becoming a supporter! Why Support Light Pollution News? Receive quarterly invite to join as live audience member for recordings with special Q&A session post recording with guests. Receive all of the news for that month via a special Supporter monthly mailer. Satisfaction that your support helps further critical discourse on this topic. About Light Pollution News: The path to sustainable starry night solutions begin with being a more informed you. Light Pollution, once thought to be solely detrimental to astronomers, has proven to be an impactful issue across many disciplines of society including ecology, crime, technology, health, and much more! But not all is lost! There are simple solutions that provide for big impacts. Each month, Bill McGeeney, is joined by upwards of three guests to help you grow your awareness and understanding of both the challenges and the road to recovering our disappearing nighttime ecosystem.
Listen to Micah Richey preach from Ecclesiastes 3:1-15, observing how our satisfaction in life comes through surrender, not striving.
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Rethinking the problem and our mindset from scratch when it comes to this whole life thing. What if the problem isn't your schedule—it's your metaphor? We've inherited a story about work and life as opposing forces, locked in eternal combat for our limited hours. This story feels true because everyone tells it. But stories shape reality. Consider this: your life contains multitudes. Work, yes. But also relationships, creativity, health, community, growth. None of these oppose each other inherently. A parent who calls their family "their life" earns respect. Someone who calls work "their life" earns concern. Same language. Different judgment. The opportunity lies in reimagining the entire framework—from balance to integration, from opposition to synergy. This episode explores: How the words we choose create the reality we experience Why integration creates compound satisfaction that balance never could The path from competing priorities to mutually reinforcing life architecture NEW SHOW - How to Change the World: The History and Future of Innovation Learn about the evolving story of the human species and our ideas told in chronological order. The podcast is full of fun facts, surprising stories and philosophical insights. Found on all major podcast players: Spotify - https://open.spotify.com/show/1Fj3eFjEoAEKF5lWQxPJyT Apple - https://podcasts.apple.com/us/podcast/how-to-change-the-world-the-history-of-innovation/id1815282649 YouTube - https://www.youtube.com/@HowToChangeTheWorldPodcast RSS feed - https://feeds.acast.com/public/shows/682b3b86696b5d1232d698a8 --- UPGRADE to Premium:
This week we welcome writer/director/producer Alex Burunova on the show to talk about how she got her first feature Satisfaction made, funded, getting to premier at SXSW and the long road she took to get the film made! After that we play another round of THE GAME and talk about the current statuses of our projects, enjoy! Don't forget to support us on Patreon! www.patreon.com/mmihpodcast Leave us a Review on Apple Podcasts! https://podcasts.apple.com/us/podcast/making-movies-is-hard-the-struggles-of-indie-filmmaking/id1006416952 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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