Podcasts about Scattered

This eclipse window sits inside another 1 year in numerology—just like 2017, when I packed my life with new beginnings. It was exciting and full… and when I look back, I can also see that the foundation I built was scattered.   In this episode of the Luminary Life Podcast, I share how this 1 year feels different: less about starting “all the things,” and more about laying a truer foundation for the next nine-year cycle.   We explore: - what this 1-year energy + eclipse season are highlighting now - the shift from scattered starts to solid ground - cultivating trust in your enoughness (you're not starting from zero) - reorienting to the wisdom of your nervous system and giving yourself real recovery time - letting eclipses illuminate the patterns and emotional weight you're ready to release   If you're feeling both unsettled and quietly expanded, like something's ready to change but you don't want to repeat old patterns, this episode is for you.   If this resonates, please like, subscribe, and share with someone who's also rethinking their foundation in this new cycle. Learn more about the Sanctuary Circle Here: https://loriaandrus.com/sanctuary/ Shop Journey Jewels jewelry Here: https://journeyjewels.com   #LuminaryLifePodcast #EclipseSeason #Numerology1Year #NewCycle #SolidFoundation #CrystalWisdom #NervousSystemCare #SanctuaryCircle

This episode is sponsored by Bravura Security. Learn more at bravurasecurity.com/idac.This is a Sponsor Spotlight episode of the Identity at the Center podcast. Jim McDonald and Jeff Steadman are joined by Bart Allan, General Manager at Bravura Security, to discuss why enterprise password management remains a critical piece of identity security even as organizations pursue passwordless strategies. Bart shares Bravura's history dating back to 1992, starting with self-service password reset and evolving into a full identity security platform spanning identity management, privileged access management, and enterprise password management. The conversation digs into the uncomfortable truth that while organizations may get 80% of their applications onto modern authentication, the remaining 20% still rely on passwords, creating real security risk. Bart explains how treating enterprise passwords the way organizations treat privileged credentials, with automated rotation and centralized management, can remove the human element from password creation and reduce exposure to breaches and social engineering. The group also discusses help desk social engineering attacks, breach recovery challenges, deployment strategies for rolling out an enterprise password manager, and the emerging role of password managers as passkey managers for portability. The episode wraps with some outdoor adventure stories from Bart and Jim.Connect with Bart: https://www.linkedin.com/in/bartholomewallan/Connect with us on LinkedIn:Jim McDonald: https://www.linkedin.com/in/jimmcdonaldpmp/Jeff Steadman: https://www.linkedin.com/in/jeffsteadman/Visit the show on the web at idacpodcast.comTIMESTAMPS00:00 - Introduction and welcome01:00 - Sponsor Spotlight overview and Bravura Security introduction01:52 - Bart Allan's background in identity03:30 - History of Bravura Security from 1992 to today05:39 - How the Bravura name came to be07:00 - What makes Bravura unique in the identity market08:33 - Why password management still matters09:58 - The uncomfortable truth about passwords and the 80/20 problem13:00 - Personal vs enterprise password managers16:00 - The last mile to passwordless and legacy systems19:00 - Why storing passwords is not enough without active management22:00 - Help desk social engineering and the human element25:00 - Breach response and the fog of war31:00 - Scattered spider scenarios and credential reset at scale35:00 - Is a password manager the only viable option for the final 20%?38:00 - The future of password managers as passkey managers40:00 - Tips for deploying an enterprise password manager42:45 - Measuring success with an enterprise password manager45:17 - Lighter side of the conversation begins46:00 - Bart's backcountry skiing avalanche story from Rogers Pass50:30 - Jim's lightning storm story from backpacking in Yosemite52:53 - Final thoughts from Bart on the passwordless journey54:00 - Wrap up and outroKEYWORDSIDAC, Identity at the Center, Jeff Steadman, Jim McDonald, Bravura Security, Bart Allan, password management, enterprise password manager, passwordless, passkeys, privileged access management, identity security, help desk social engineering, breach recovery, credential rotation, self-service password reset, identity verification, IAM operations, shadow IT, FIDO, sponsor spotlight, password vault, legacy systems

Kristin Thomas is the Founder of Marble Collective, an AI-powered platform transforming how women's leadership is preserved, amplified, and discovered to make remarkable women easier to find, follow, and book, ensuring their legacies endure. Backed by 300+ women leaders, including more than 70 founding investors, Marble centralizes each leader's media, milestones, and body of work into a living digital portfolio, redefining visibility and legacy for women everywhere. Kristin's two-decade career in real estate and her board roles at Cold Spring Harbor Laboratory and YFCA shape her mission to elevate women's impact at scale.

Speaker: Geoff Bates,Date:  22/2/2025,Title: Scattered by Pride, Gathered by Grace,Bible Passage: Genesis 11:1-32,Series: Beyond Eden,https://richmondanglican.com.au/

I don't miss driving on highways until I pass Potters Marsh on the way to Anchorage. All of a sudden I'm reminiscing of long road trips with endless highways on the way to a prescribed vacation spot. On those trips I have found it useful to have a copilot to make sure we're on the right course because without one it's easy to get way down the road and realize that we were supposed to take a left back at Albuquerque!It is a regular occurrence in my life that I need someone else to step in and redirect my focus, not on highways, but in the day to day of work, marriage, finances, parenting. Without the constant reminder to focus, my eyes and heart wonder. The Tower of Babel narrative is just that, a refocusing of people who have gone astray from God's plan. In this message, we redirect our eyes to Jesus. It's what I love doing, and love doing with you, Church! Read ahead in Genesis 11. Pastor Matt McCarter

Echoes in scripture I. Jealousy provoked II. Meekness rewarded III. Name proclaimed IV. Stone rejected V. Scattered sheep

The team reunites in Texas and brainstorms its next move in the search for Alistair and the missing documents. Alistair himself, barely alive, struggles to reach the man to whom he owes his life. Learn more about your ad choices. Visit megaphone.fm/adchoices

The team reunites in Texas and brainstorms its next move in the search for Alistair and the missing documents. Alistair himself, barely alive, struggles to reach the man to whom he owes his life. Learn more about your ad choices. Visit megaphone.fm/adchoices

You will seek me and find me, when you seek me with all your heart (Jeremiah 29:13). My Lord! My God!

Megan chats with Megan Flatt about building a weekly planning system that actually works and helps you finish your most important work. Megan Flatt is the founder of Let's Collective, a business strategy firm helping entrepreneurs achieve more revenue, time, and fulfillment, without the hustle. Megan is also the author of Focused: Reclaim Your Time, Ditch Overwhelm, and Do Less Better, where she blends research and practical strategies to help people do less, better. When she's not strategizing, Megan can be found with a stack of romance novels, a fresh set of office supplies and usually a latte. Learn more at letscollective.co If your weeks feel full but your biggest goals keep slipping, this episode gives you a repeatable planning process that protects your time, your energy, and your priorities even during busy or disruptive weeks. Weekly planning saves time, not wastes it: Intentional planning prevents task jumping and reactive work. Your calendar is the container, not your to-do list: You can only commit to what realistically fits. Set work hours before setting tasks: Clear boundaries reduce guilt and increase focus. Brain dumps clear mental clutter fast: Getting tasks out of your head improves decision-making. Buffer time is nonnegotiable: Planning 100 percent of your time guarantees burnout. Progress beats perfect weeks: Consistent review and adjustment is the system. Connect with Megan Flatt Website | Instagram

I want to hear your thoughts about the show and this episode. Text us here...Have you ever felt like your brain is a wildflower garden, gorgeous, full of potential, and also… a little untamed? In this episode of Casa De Confidence, Julie talks with nature-inspired mentor and certified coach Tigrilla Gardenia about what it really means to be a multi-passionate (aka a multipotentialite), and why “scattered” might be the most inaccurate label we've ever accepted.Together, they explore the powerful reframe, you're not scattered, you're living in an ecosystem, plus how plant intelligence, forest bathing, and “plantness” (presence) can help you find your deep pattern, trust your rhythm, and turn overwhelm into aligned action. You'll also hear about Damanhur in Northern Italy, the Temples of Humankind, and the surprising wisdom of plants when it comes to fear, intuition, and designing a life that flows.What you'll learn in this episode:What a multipotentialite is, and why it's not a problem to fixHow to find your through line, the deep pattern that connects your “random” interestsA simple way to tell the difference between curiosity and avoidanceWhat forest bathing is and how presence changes your stress responseWhat makes Damanhur feel like Hogwarts meets Oz, and how to explore itNotable moments:“You're not scattered. You're living in an ecosystem.”The “nature has no waste” realization, nothing about you is uselessThe truth about “Jack of all trades,” and why that phrase is… questionable at best“Plantness” as presence, not tuning out, but quieting to hear it allJulie's “I kill plants” identity shift, and how it reflected other relationshipsGuest Info (for show notes): Tigrilla Gardenia is a nature-inspired mentor and certified coach who supports multipassionates, divergent creatives, and soul rebels in aligning their ideas into action using plant wisdom, presence, and somatic, intuitive practices. She lives in Damanhur, a spiritual community in Northern Italy.If you've been told you're “too much,” too scattered, too sensitive, or Support the showOther helpful resources for you: For more about me and what I do, check out my website. Are you ready to get some help with:Podcast launch/re-launchPodcast growth, to increase your authority and position yourself as the thought leader you are. Or Leveraging your podcast to build your online biz and get more clientsSign up for a FREE 30 minute Confident Podcast Potential Discovery Call In this session I will: Identify the pain point that is holding you back. Suggest a next step strategy for solving the pain point.https://calendly.com/goconfidentlycoaching/30-minutes-free-coaching-sessioin Then we will talk about working together to accelerate the process. Do you want a podcast audit? Check out this link If you're looking for support to grow your business faster, be positioned as an authority in your industry, and impact the masses, schedule a call to explore if you'd be a good fit for one of my coaching programs. ...

This week on the Alabama Saltwater Fishing Report, Captain Tanner Deas fills in and checks in offshore with Captain Chris Vecsey for a trip that turned into a serious meat haul. What started as a tuna plan shifted to targeting a strong temp break near the Spur, where they boxed three solid wahoo on deep-diving plugs. After the troll slowed down, they pivoted again and quickly hooked up on swordfish in 1,500-plus feet, landing a 100-pound-class fish and proving the value of reading electronics and staying flexible. Inshore, Captain Richard Rutland breaks down a strange, dry winter that has left fish scattered and inconsistent across Mobile Bay and the rivers. Trout have been keyed in on smaller-profile baits like the Slick Junior, with subtle retrieves and lighter jig heads outperforming bigger, flashier presentations. They also talk about how slick-calm days can make shallow fish spooky, why a little wind can help, and how the bull redfish bite on the south end of the bay has been heating up. From pelagic pivots offshore to fine-tuning winter trout patterns inshore, this episode is all about adjusting on the fly. If you're fishing this warm trend and trying to stay ahead of changing conditions, there's plenty here to sharpen your approach. SPONSORS Dixie Building Supply McCoy Outdoors CCA Alabama Ricciardone Dentistry KillerDock Foster Contracting Black Buffalo Stayput Anchor Slip Ski Solutions Coastal Connection Fiber Plastics Inc Hilton's Offshore Charts Coastal Brew Baits

In this Jewish Inspiration Podcast episode (Day 126), Rabbi Aryeh Wolbe continues the Gate of Truth (Sha'ar HaEmes) from Orchos Tzaddikim, stressing that truth is the core of God, the soul, and Jewish destiny in exile. Key teachings:Prolonged exile due to sins — Current long exile stems from Jewish sins; we must separate from worldly vanities and cling to Hashem's seal—truth.Sanctify through truth — Abstain even from permissible things to avoid any trace of falsehood (97% truth = 100% false); never lie or mislead Jew or Gentile in any matter.Exile for converts — Hashem scattered Jews among nations to add gerim (converts); honest dealings inspire non-Jews to join (Midrash: “I will sow her for Myself in the land” = exile brings converts).Return stolen items — Stories of Rabbi Shimon ben Shetach returning a precious stone in a donkey purchase, and sages returning money found in wheat—Gentiles proclaimed “Blessed is the God of the Jews.” Sanctification of God's Name through honesty.Reward of truth — Truth sprouts from earth; righteousness looks down from heaven (Psalms 85:12). Truthful living glorifies Hashem and draws divine favor.Wicked rewarded in this world — Hashem pays wicked for minor merits now to destroy them eternally (Deuteronomy); better for righteous to suffer briefly here and receive eternal reward in Olam Haba.Practical application — Cling to truth in all dealings; exile teaches separation from falsehood and reliance on Hashem alone.The rabbi reflects on modern parallels (antisemitism, unity in crises like Nachshon Waxman) and urges living truthfully to hasten redemption—Moshiach comes when truth prevails. Ends previewing next trait: flattery (chanufa)._____________This Podcast Series is Generously Underwritten by Peter & Becky BotvinRecorded at TORCH Centre in the Levin Family Studios (B) to a live audience on September 1, 2025, in Houston, Texas.Released as Podcast on February 15, 2026_____________This series on Orchos Tzadikim/Ways of the Righteous is produced in partnership with Hachzek.Join the revolution of daily Mussar study at hachzek.com.We are using the Treasure of Life edition of the Orchos Tzadikkim (Published by Feldheim)_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/jewish-inspiration-podcast-rabbi-aryeh-wolbe/id1476610783Spotify: https://open.spotify.com/show/4r0KfjMzmCNQbiNaZBCSU7) to stay inspired! Share your questions at aw@torchweb.org or visit torchweb.org for more Torah content.  _____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Our Mission is Connecting Jews & Judaism. Help us spread Judaism globally by sponsoring an episode at torchweb.org.Your support makes a HUGE difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Hey Rabbi! Podcast: https://heyrabbi.transistor.fm/episodesPrayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.org_____________Keywords:#JewishInspiration, #Mussar, #MasterClass, #Truth, #Emes, #Exile, #Converts, #KiddushHashem ★ Support this podcast ★

In this Jewish Inspiration Podcast episode (Day 126), Rabbi Aryeh Wolbe continues the Gate of Truth (Sha'ar HaEmes) from Orchos Tzaddikim, stressing that truth is the core of God, the soul, and Jewish destiny in exile. Key teachings:Prolonged exile due to sins — Current long exile stems from Jewish sins; we must separate from worldly vanities and cling to Hashem's seal—truth.Sanctify through truth — Abstain even from permissible things to avoid any trace of falsehood (97% truth = 100% false); never lie or mislead Jew or Gentile in any matter.Exile for converts — Hashem scattered Jews among nations to add gerim (converts); honest dealings inspire non-Jews to join (Midrash: “I will sow her for Myself in the land” = exile brings converts).Return stolen items — Stories of Rabbi Shimon ben Shetach returning a precious stone in a donkey purchase, and sages returning money found in wheat—Gentiles proclaimed “Blessed is the God of the Jews.” Sanctification of God's Name through honesty.Reward of truth — Truth sprouts from earth; righteousness looks down from heaven (Psalms 85:12). Truthful living glorifies Hashem and draws divine favor.Wicked rewarded in this world — Hashem pays wicked for minor merits now to destroy them eternally (Deuteronomy); better for righteous to suffer briefly here and receive eternal reward in Olam Haba.Practical application — Cling to truth in all dealings; exile teaches separation from falsehood and reliance on Hashem alone.The rabbi reflects on modern parallels (antisemitism, unity in crises like Nachshon Waxman) and urges living truthfully to hasten redemption—Moshiach comes when truth prevails. Ends previewing next trait: flattery (chanufa)._____________This Podcast Series is Generously Underwritten by Peter & Becky BotvinRecorded at TORCH Centre in the Levin Family Studios (B) to a live audience on September 1, 2025, in Houston, Texas.Released as Podcast on February 15, 2026_____________This series on Orchos Tzadikim/Ways of the Righteous is produced in partnership with Hachzek.Join the revolution of daily Mussar study at hachzek.com.We are using the Treasure of Life edition of the Orchos Tzadikkim (Published by Feldheim)_____________Listen, Subscribe & Share: Apple Podcasts: https://podcasts.apple.com/us/podcast/jewish-inspiration-podcast-rabbi-aryeh-wolbe/id1476610783Spotify: https://open.spotify.com/show/4r0KfjMzmCNQbiNaZBCSU7) to stay inspired! Share your questions at aw@torchweb.org or visit torchweb.org for more Torah content.  _____________About the Host:Rabbi Aryeh Wolbe, Director of TORCH in Houston, brings decades of Torah scholarship to guide listeners in applying Jewish wisdom to daily life.  To directly send your questions, comments, and feedback, please email: awolbe@torchweb.org_____________Support Our Mission:Our Mission is Connecting Jews & Judaism. Help us spread Judaism globally by sponsoring an episode at torchweb.org.Your support makes a HUGE difference!_____________Listen MoreOther podcasts by Rabbi Aryeh Wolbe: NEW!! Hey Rabbi! Podcast: https://heyrabbi.transistor.fm/episodesPrayer Podcast: https://prayerpodcast.transistor.fm/episodesJewish Inspiration Podcast: https://inspiration.transistor.fm/episodesParsha Review Podcast: https://parsha.transistor.fm/episodesLiving Jewishly Podcast: https://jewishly.transistor.fm/episodesThinking Talmudist Podcast: https://talmud.transistor.fm/episodesUnboxing Judaism Podcast: https://unboxing.transistor.fm/episodesRabbi Aryeh Wolbe Podcast Collection: https://collection.transistor.fm/episodesFor a full listing of podcasts available by TORCH at http://podcast.torchweb.org_____________Keywords:#JewishInspiration, #Mussar, #MasterClass, #Truth, #Emes, #Exile, #Converts, #KiddushHashem ★ Support this podcast ★

After Eden, the flood, Babel, Abraham, Sinai, kings, and exile… the story reaches its turning point. God didn't abandon His plan for a human family. He didn't surrender the nations to darkness. And He didn't scrap creation when rebellion kept repeating itself. Instead, He stepped in. In this episode, we trace the arc from Israel's failure to the Incarnation—why God chose to become a man, how the crucifixion blindsided the powers of darkness, and what Paul meant when he said that if the rulers of this age had understood what was happening, they would not have crucified the Lord of glory. We also look at Pentecost through a different lens. Those 3,000 believers weren't just converts—they were God's first wave of reclaiming the nations. Scattered among the Gentile world, they became embedded witnesses in territory long held by other gods. The Great Commission wasn't a church program. It was a cosmic invasion. And it's still unfolding. The story isn't over—and neither is your part in it. Scriptures referenced include: Genesis 6; Deuteronomy 32:8–9; Psalm 82; Exodus 19; 1 Corinthians 2:8; Ephesians 2:7; Ephesians 3:10; Matthew 28:19–20; Acts 2. This series follows the broad theological framework popularized by Dr. Michael Heiser in What Does God Want? and Supernatural. For listeners who want to explore these themes more deeply, those books are an excellent place to start.

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 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— GREletter.com  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, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   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  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   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's 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,   Keith Weinhold  26:51   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 prequel 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   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   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.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

In Acts 11–12, we witness the unstoppable growth of the early church as the gospel spreads beyond Jerusalem into the wider world. Scattered believers preach the Lord Jesus, the hand of the Lord brings salvation, and the church grows through teaching, generosity, and steadfast faith—even in the face of persecution. This passage reminds us that growth is God's work, accomplished through His grace, His Word, and the power of the Holy Spirit.

Do you feel busy all day but still behind. Scattered. Spiritually foggy. This episode is for the woman who wants to focus on God but keeps getting pulled in ten directions.In this solo episode of Faith Fueled Living, Kristin talks honestly about how distraction shows up in everyday life and why it quietly steals our peace, clarity, and sense of purpose. She shares a powerful insight from Bob Goff that reframed how she sees spiritual resistance. Not as destruction. As distraction.You will learn 3 to 4 practical, faith centered ways to reduce noise, reset your attention, and create space to hear God again. This is not about doing more. It is about choosing what actually matters.If you feel stretched thin, disconnected, or frustrated with yourself for losing focus, this conversation will help you name what is happening and take simple steps forward.Takeaways• Distraction is not random. It often targets what matters most. • Constant busyness can block clarity and spiritual growth. • Focus is a spiritual practice, not a personality trait. • Small daily choices can help you realign with God's direction.Download My Free Joyful Living Devotional: https://kristinfitch.com/devotionalReady to take your first step towards a more joyful, faith-filled life? Download our Reignite Your Passion Workbook and start living with purpose today!What to feel more energized in midlife? Grab my 5 Day Energy Reset Jump Start Guide here.Ready to work with Kristin to make a shift in your life? Click here to get started.Christian women podcast, faith and focus, overcoming distraction as a Christian, spiritual focus for busy women, hearing God clearly, Christian mindset and clarity, faith based personal growth, women of faith and purpose, Christian encouragement for overwhelmed women, intentional living with God

Though they have different last names - Tyus, Middleton, Reed, Simmons, Jarrett, Turner, Vasquez, Foster, Holloway, and Stewart, they are one family.  Scattered in communities across this nation, this family has gathered every Saturday since October 2012 for a prayer teleconference—a true testament to the power of shared faith.  For twelve years, Dr. T. D. Stubblefield has uplifted them each January with an inspiring message to launch the New Year.  Pastor Stubblefield's challenge for 2026 is simple: when you pray, “expect to be moved.” As an added blessing, experience him leading the cherished hymn “Lead Me, Guide Me.” Let the stirring words of this beloved song move you as you embrace the power of prayer and faith in the year ahead.

If you're ready to live an undistracted life, join me in the School of Self-Image Membership. https://schoolofselfimage.com/join Can I tell you about something that happened to me recently? I developed a habit. It started innocently enough – just a little extra scrolling during a difficult time. But soon, I was reaching for my phone instead of a book. Checking the news before I'd even made my morning coffee. After a month of this, something felt off. I felt empty. Scattered. Not like my usual focused, happy, life-loving self. Then I saw my screen time report: four hours a day. On average. I thought about everything I could have done, read, created during that time – and it became clear. I needed to fix this. So I put myself through a Distraction Detox, and I did it in four steps. Here's what we cover: • Why distraction isn't a discipline problem, but your brain trying to avoid discomfort • How the pain–pleasure principle quietly pulls you toward scrolling instead of creating • The hidden cost of low-quality consumption on your self-image, focus, and confidence • The emerging divide between the creator class and the consumer class and why it matters • How distraction reinforces an identity of avoidance while focus builds power and momentum • The four-part Distraction Detox that helps you reclaim your attention and your life Did you enjoy this episode? Subscribe to the podcast and leave a 5-star review! You can also listen to this show on YouTube and on all your favorite podcast platforms. How to Connect with Tonya Leigh Website: https://schoolofselfimage.com/ Instagram: https://www.instagram.com/tonyaleigh Facebook: https://www.facebook.com/TonyaLeighOfficial/ LinkedIn: https://www.linkedin.com/in/tonyaleighofficial/ Pinterest: https://ph.pinterest.com/tonyaofficial/ Twitter: https://x.com/tonyaleigh YouTube: https://schoolofselfimage.com/yt-tl

We review diagnosing and managing bacterial meningitis in the ED. Hosts: Sarah Fetterolf, MD Avir Mitra, MD https://media.blubrry.com/coreem/content.blubrry.com/coreem/Meningitis_2_0.mp3 Download Leave a Comment Tags: CNS Infections, Infectious Diseases, Neurology Show Notes Core EM Modular CME Course Maximize your commute with the new Core EM Modular CME Course, featuring the most essential content distilled from our top-rated podcast episodes. This course offers 12 audio-based modules packed with pearls! Information and link below.  Course Highlights: Credit: 12.5 AMA PRA Category 1 Credits™ Curriculum: Comprehensive coverage of Core Emergency Medicine,  with 12 modules spanning from Critical Care to Pediatrics. Cost: Free for NYU Learners $250 for Non-NYU Learners Click Here to Register and Begin Module 1 Patient Presentation & Workup Patient: 36-year-old male, currently shelter-domiciled, presenting with 3 weeks of generalized weakness, fevers, weight loss, and headaches. Vitals (Initial): BP 147/98, HR 150s, Temp 100.2°F, RR 18, O2 99% RA. Clinical Evolution: Initial assessment noted cachexia and a large ventral hernia. Following initial workup, the patient became acutely altered (A&O x0) and febrile to 102.9°F. Physical Exam Findings: Brudzinski Sign: Positive (knees flexed upward upon passive neck flexion). Kernig Sign: Discussed as highly specific (resistance/pain during knee extension with hip flexed at 90°). Meningeal Triad: Fever, nuchal rigidity, and AMS (present in 40% of cases; 95% of patients have at least two of the four cardinal symptoms including headache). Imaging: Chest X-ray: Scattered opacities (pneumonia) and a small pneumothorax. CT Abdomen/Pelvis: Confirmed asplenia (secondary to 2011 GSW/exploratory laparotomy). Head CT: Ventricle enlargement concerning for obstructive hydrocephalus and diffuse sulcal effacement. CSF Analysis & Microbiology Bacterial Meningitis Opening Pressure: Elevated (Normal is 1000–2000/mm3 WBC); dominated by neutrophils (>80% PMN). Glucose: Low (

In this episode, I'm talking about what to do when you feel scattered.For many healer entrepreneurs, feeling scattered can trigger self-judgment or the urge to push harder. But scatteredness is information. It's often a sign that you're in transition, integrating growth, or holding more than your current structures can support.In this episode, I walk you through a grounded, practical approach to finding clarity again without forcing focus or overloading yourself with more input.✨ In this episode, I cover:Why feeling scattered isn't a motivation or mindset problemHow scatteredness points to a lack of containment, not capabilityWhat to do before you try to make decisionsSimple steps to ground, externalize, and re-establish clarityHow structure and support help focus return naturallyThis episode is an invitation to slow down, create safety, and let clarity land without pressure or self-criticism.If you want support creating more structure and clarity in your practice, download my free episode guide, The Top 5 Essentials to Expanding Your Wellness Practice, at jillianfaldmo.com.

Hey weather enthusiasts! I'm Dustin Breeze, your AI meteorologist who processes data faster than you can say "atmospheric pressure"!Welcome to today's forecast for the concrete jungle, New York City! We've got some seriously chilly conditions rolling through, so buckle up and grab those thermal layers.Let's break down what's happening. We're looking at a cold weather system that's making the Big Apple feel more like a freezer than a city. Overnight, we're expecting scattered flurries with temperatures plummeting to around 13 Fahrenheit. The wind chill? Oh, it's going to feel like negative five to zero degrees. Talk about a temperature that'll make your nose hairs freeze! Speaking of freezing, here's a weather pun for you: What do you call a cold day in New York? A snow-tastic adventure! Get it? Snow-tastic? For the next few days, we're seeing a pattern of mostly cold and sunny conditions. Sunday will have scattered flurries before 7 am, with a high near 24 Fahrenheit. Monday brings sunshine with temperatures climbing to a whopping 32 Fahrenheit. Now, let's dive into our Weather Playbook segment! Today, we're talking about wind chill. Wind chill is how cold it actually feels when wind speed combines with temperature. The stronger the wind, the faster heat leaves your body, making it feel colder than the thermometer suggests. Science is cool - literally!Here's our three-day forecast:Sunday: Scattered flurries, high of 24Monday: Sunny, high of 32Tuesday: Sunny, high of 32Remember, New Yorkers, layer up and stay warm!Don't forget to subscribe to our podcast, and thanks for listening! This has been a Quiet Please production. Learn more at quietplease.ai.Stay frosty, weather warriors!This content was created in partnership and with the help of Artificial Intelligence AI

According to Stripe Profitability Timeline, it often takes two to three years for a startup to become profitable. Fundraising Time Sink: About 25% of founders spend over half their week on fundraising, which directly impacts their ability to focus on revenue-generating activities.   Mark D. Gordon. Known by founders as the “Rebel CRO.” He's scaled companies from $1 million to over $30 million in annual revenue, rebuilt go-to-market engines across SaaS, services, and tech, and built a business around one big idea: most companies don't have a sales problem; they have a clarity and alignment problem. I help B2B founders turn scattered sales and marketing into one aligned, predictable revenue engine. As a fractional CRO, I lead 120-day GTM transformations across messaging, lead generation, sales process, and revenue tech. We build the systems that allow your team to do the best work of their lives. Mark is the founder of Integrated Go-To-Market Solutions, where he helps B2B founders transform from sales hopeful to sales-led by aligning their messaging, lead gen, sales process, and tech into a single system that actually closes. If you've ever felt like your team can't explain what you do, your outbound is getting ignored, or you're still the best salesperson in your company, this conversation is for you. For more information: https://igtms.com/ LinkedIn: @MarkD.Gordon Learn more about your ad choices. Visit megaphone.fm/adchoices

An old man crosses the boundless Kazakh steppe, driving alone. Haunted by memories of a lost love, he stops by Bartogay Lake, flowers in hand. But as he tries to step out, his car door refuses to open, trapping him between past and present. https://www.instagram.com/kitsuney/ Answers from filmmaker Katya Mokolo: What motivated you to make this film? It was made from opportunity, I was in Kazakhstan for another project and seeing the country I couldn't miss this chance. 2. From the idea to the finished product, how long did it take for you to make this film? Scattered 5 weeks 2 weeks for the script 1 day of filming 1 week of editing 1 week of music  2 days of color grading 2 days of VFX 1 day of master and finalisation How would you describe your film in two words!? Melancholic hope What was the biggest obstacle you faced in completing this film? Actually none, for once everything was smooth and all stars were aligned. —— Subscribe to the podcast: Tweets by wildsoundpod https://www.instagram.com/wildsoundpod/ https://www.facebook.com/wildsoundpod

In this episode, I talk about the biggest opportunities in a world that is distracted and scattered. I noticed at the park that most people are physically there but mentally somewhere else, glued to their phones. Presence and awareness are now rare, and that makes them extremely valuable. When everyone else is distracted, the person who can stay fully present stands out. The opportunity belongs to those who can focus while the rest of the world checks out. Show Notes: [02:35]#1 Understand that presence, when you have it creates safety, trust and authority.  [10:55]#2 Distraction has trained you to miss details.  [15:58]#3 Proximity is not participation. [19:25] Recap Episodes Mentioned: 1025: The Opportunity Is In The Opposites Next Steps: --- Power Presence is not taught. It is enforced. If you are operating in environments where hesitation costs money, authority, or leverage, the Power Presence Mastermind exists as a controlled setting for discipline, execution, and consequence-based decision-making. Details live here: http://PowerPresenceProtocol.com/Mastermind  This Masterclass is the public record of standards. Private enforcement happens elsewhere. All episodes and the complete archive: → WorkOnYourGamePodcast.com 

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North Campus

North Campus

Acts Series  Message: 15 Episode: 3 of 3 Broadcast: January 8, 2026 Key Verses: Acts 8:1-25 In this episode of Walk in Truth, Pastor Michael Lantz teaches through Acts 8:1–25 in a message titled "The Church Persecuted and Scattered," showing how God uses even hardship and opposition to advance His gospel. As persecution intensifies and believers are forced from Jerusalem, the church doesn't shrink—it spreads, carrying the good news of Jesus into Samaria through faithful servants like Philip, where lives are transformed by the power of Christ and the truth of the Holy Spirit. This teaching encourages Christians that God is always at work, even in seasons of suffering or uncertainty, and equips listeners to apply God's truth to everyday life with courage, humility, and discernment. Above all, it points us back to Jesus—the reason for the season and the center of our faith—reminding us that no circumstance can stop His plan or silence His saving grace. Welcome to Walk in Truth! These are the Bible teachings of Pastor Michael Lantz. Equipping you to reach out with God's truth to all people. And how to apply that truth to today's issues, trends, and culture.  Leave your question or comment contact@walkintruth.com

Living Truth Christian Fellowship Podcast

Acts Series  Message: 15 Episode: 2 of 3 Broadcast: January 7, 2026 Key Verses: Acts 8:1-25 In this episode of Walk in Truth, Pastor Michael Lantz teaches through Acts 8:1–25 in a message titled "The Church Persecuted and Scattered," showing how God uses even hardship and opposition to advance His gospel. As persecution intensifies and believers are forced from Jerusalem, the church doesn't shrink—it spreads, carrying the good news of Jesus into Samaria through faithful servants like Philip, where lives are transformed by the power of Christ and the truth of the Holy Spirit. This teaching encourages Christians that God is always at work, even in seasons of suffering or uncertainty, and equips listeners to apply God's truth to everyday life with courage, humility, and discernment. Above all, it points us back to Jesus—the reason for the season and the center of our faith—reminding us that no circumstance can stop His plan or silence His saving grace. Welcome to Walk in Truth! These are the Bible teachings of Pastor Michael Lantz. Equipping you to reach out with God's truth to all people. And how to apply that truth to today's issues, trends, and culture.  Leave your question or comment contact@walkintruth.com

Living Truth Christian Fellowship Podcast

Acts Series  Message: 15 Episode: 1 of 3 Broadcast: January 6, 2026 Key Verses: Acts 8:1-25 In this episode of Walk in Truth, Pastor Michael Lantz teaches through Acts 8:1–25 in a message titled "The Church Persecuted and Scattered," showing how God uses even hardship and opposition to advance His gospel. As persecution intensifies and believers are forced from Jerusalem, the church doesn't shrink—it spreads, carrying the good news of Jesus into Samaria through faithful servants like Philip, where lives are transformed by the power of Christ and the truth of the Holy Spirit. This teaching encourages Christians that God is always at work, even in seasons of suffering or uncertainty, and equips listeners to apply God's truth to everyday life with courage, humility, and discernment. Above all, it points us back to Jesus—the reason for the season and the center of our faith—reminding us that no circumstance can stop His plan or silence His saving grace. Welcome to Walk in Truth! These are the Bible teachings of Pastor Michael Lantz. Equipping you to reach out with God's truth to all people. And how to apply that truth to today's issues, trends, and culture.  Leave your question or comment contact@walkintruth.com

Living Truth Christian Fellowship Podcast

In early September of 1799, the Stone Expedition reunited deep in the unmapped wilderness beyond the Ohio River. Nine men gathered at the designated rendezvous, carrying fresh provisions and renewed hope. They could not have known that within weeks, two of them would be dead, and the survivors would carry secrets that would haunt their bloodlines for generations.This episode chronicles the expedition's darkest chapter as they pressed deeper into forbidden territory than any Europeans had ventured before. The creatures that had watched them for months began gathering in unprecedented numbers, converging from all directions toward something none of the men could see but all could feel drawing them forward. When the expedition crossed into hostile territory without realizing it, the fragile peace they had built shattered in a single night of violence that left Henri Beaumont scattered across a forest clearing in pieces too small to bury. But the horror of that night was only the beginning. Guided by creatures whose motives remained unknowable, the surviving members discovered a hidden valley—a vast sanctuary concealed between mountain walls where hundreds, perhaps thousands, of these beings had lived in complete isolation since before human civilization began.What they found in the caves of that valley would challenge everything they believed about the natural world and reveal a relationship between humans and these ancient creatures far more terrible than any of them had imagined. The bones told the story. Scattered. Broken. Some fossilized with the weight of millennia, others bearing traces of recent flesh. Teeth marks near the joints. Evidence of breaking for marrow. The native warnings had not been exaggeration. They had been truth. This episode also documents the final descent of Will Harper, the expedition's artist, whose mind had been unraveling since his first encounter with the creatures months before. His death in a forest clearing—surrounded by silent witnesses, his heart simply stopped, his face frozen in an expression of terrible transcendence—remains one of the most haunting passages in the Stone journals.Two men entered that valley who would never leave it. The seven who survived would carry the weight of what they witnessed for the rest of their lives, bound by an oath of secrecy that would echo through their descendants for two hundred years.Some knowledge demands a price. Some truths are paid for in blood.Get Our FREE NewsletterGet Brian's Books Leave Us A VoicemailVisit Our WebsiteSupport Our SponsorsBecome a supporter of this podcast: https://www.spreaker.com/podcast/sasquatch-odyssey--4839697/support.

In early September of 1799, the Stone Expedition reunited deep in the unmapped wilderness beyond the Ohio River. Nine men gathered at the designated rendezvous, carrying fresh provisions and renewed hope. They could not have known that within weeks, two of them would be dead, and the survivors would carry secrets that would haunt their bloodlines for generations.This episode chronicles the expedition's darkest chapter as they pressed deeper into forbidden territory than any Europeans had ventured before. The creatures that had watched them for months began gathering in unprecedented numbers, converging from all directions toward something none of the men could see but all could feel drawing them forward. When the expedition crossed into hostile territory without realizing it, the fragile peace they had built shattered in a single night of violence that left Henri Beaumont scattered across a forest clearing in pieces too small to bury. But the horror of that night was only the beginning. Guided by creatures whose motives remained unknowable, the surviving members discovered a hidden valley—a vast sanctuary concealed between mountain walls where hundreds, perhaps thousands, of these beings had lived in complete isolation since before human civilization began.What they found in the caves of that valley would challenge everything they believed about the natural world and reveal a relationship between humans and these ancient creatures far more terrible than any of them had imagined. The bones told the story. Scattered. Broken. Some fossilized with the weight of millennia, others bearing traces of recent flesh. Teeth marks near the joints. Evidence of breaking for marrow. The native warnings had not been exaggeration. They had been truth. This episode also documents the final descent of Will Harper, the expedition's artist, whose mind had been unraveling since his first encounter with the creatures months before. His death in a forest clearing—surrounded by silent witnesses, his heart simply stopped, his face frozen in an expression of terrible transcendence—remains one of the most haunting passages in the Stone journals.Two men entered that valley who would never leave it. The seven who survived would carry the weight of what they witnessed for the rest of their lives, bound by an oath of secrecy that would echo through their descendants for two hundred years.Some knowledge demands a price. Some truths are paid for in blood.

The holidays can make everything feel heavier — especially when you're freshly divorced or still deep in the weeds of it all.In this episode of Dear Divorce Diary, we talk about three hidden patterns that often stall divorce healing and leave women feeling unsafe, unmoored, and scattered, even when the marriage is over and you're trying to move forward.This conversation is a teaser for Season 5 - can you believe it?!- where we'll spend six weeks breaking these patterns down and showing you how to work with your nervous system instead of fighting it. We talk about why anxiety can increase after divorce, why many women feel foggy or shut down, and why “just pushing through” rarely helps during already overwhelming seasons like Hanukkah and the lead-up to Christmas.If you're listening while navigating the holidays and wondering why things still feel so hard, this episode will help you understand what's actually happening.And if this season already feels like too much, stay close. Our 12 Days of Divorce Christmas series starts next and is designed to support you through the moments that tend to hit the hardest.Facebook: https://www.facebook.com/MyCoachDawnInstagram: (@dawnwiggins)Instagram: (@coachtiffini)On the Web: https://www.mycoachdawn.comA podcast exploring the journey of life after divorce, delving into topics like divorce grief, loneliness, anxiety, manifesting, the impact of different attachment styles and codependency, setting healthy boundaries, energy healing with homeopathy, managing the nervous system during divorce depression, understanding the stages of divorce grief, and using the Law of Attraction and EMDR therapy in the process of building your confidence, forgiveness and letting go.Support the show✨Join the Cocoon Community - your people are waiting! ✨

Welcome to Day 2751 of Wisdom-Trek, and thank you for joining me. This is Guthrie Chamberlain, Your Guide to Wisdom – Theology Thursday – From Eden to New Jerusalem: The Pattern of Ascent, Fall, and Redemption Wisdom-Trek Podcast Script - Day 2751 Welcome to Wisdom-Trek with Gramps!   I am Guthrie Chamberlain, and we are on Day 2751 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. Our current series of Theology Thursday lessons is written by theologian and teacher John Daniels. I have found that his lessons are short, easy to understand, doctrinally sound, and applicable to all who desire to learn more of God's Word. John's lessons can be found on his website   theologyinfive.com.   Today's lesson is titled From Eden to New Jerusalem: The Pattern of Ascent, Fall, and Redemption. Throughout Scripture, a pattern emerges—one that contrasts the fall of those who grasp at divinity with the exaltation of those who receive it by grace through believing loyalty. From Eden to Hermon, Babel, and ultimately to the New Jerusalem, the Bible traces the path of human ambition, divine descent, and final restoration. The first segment is: Eden: Seizing Divinity, Ending in Death In the beginning, Adam and Eve were created in the image of God, placed in sacred space, and destined to reign with Him. Yet they were not content to reflect His glory. Tempted by the serpent, they reached for equality with God on their own terms: “For God knows that when you eat of it your eyes will be opened, and you will be like God, knowing good and evil.” Genesis three verse 5 By attempting to grasp what had not been offered, they fell. Cast out of the garden, barred from the Tree of Life, and sentenced to die, their descent began not just physically but spiritually. They traded divine fellowship for exile and mortality. The second segment is: Hermon: Divine Rebellion and the Corruption of Mankind The next great rebellion came not from humans alone, but from the spiritual realm. According to 1 Enoch 6, the sons of God descended upon Mount Hermon and made a pact to defy God by taking human wives and producing the Nephilim. Their actions unleashed chaos and violence across the earth. This attempt to force a merger of heaven and earth on their own terms brought catastrophic consequences. God judged the Watchers, bound them in the Abyss, and destroyed their offspring in the Flood. Yet their spirits—demons—remained to corrupt mankind. The descent from Hermon marked not exaltation but divine exile, and it echoes the same pattern: those who attempt to seize divine authority fall into judgment. The third segment is: Babel: Ascending in Pride, Scattered in Judgment The next great act of rebellion came at Babel. Humanity, unified in language and purpose, sought to reach the heavens: “Come, let us build ourselves a city and a tower with its top in the heavens, and let us make a name for ourselves…” Genesis Eleven verse 4 Though the text says they were “one people,” this unity was likely driven by demonic influence—a renewed attempt to reopen the spiritual gateway severed at the Flood. Some modern theological reconstructions suggest the builders, influenced by demonic forces, may have sought to create a gateway that would allow the imprisoned Watchers to rise again and make war on Heaven itself. But the plan was doomed. God had already sentenced the Watchers to the Abyss, and no human or spiritual force could overturn that...

Laura King specializes in personalized coaching programs that combine hypnosis, NLP (Neuro-Linguistic Programming), and proven cognitive techniques to help clients to: Enhance mental resilience, focus, and confidence  Overcome performance anxiety, fears, and self-doubt  Improve habits, health, and overall well-being Strengthen motivation and consistency for long-term success , and Cultivate a positive mindset that drives personal and professional growth. Laura brings over 25 years of experience to the #OntheMark podcast and shares her 6 Keys to Awesome Golf. Moving Your Physical State from Tense to Relaxed Changing Inner Monologue from Negative to Empowering Moving Focus from Scattered to Optimal Changing Emotions from Apprehensive to Assured Improving Mentally from Terrified to Intrepid, and  Changing Expectations from Awful to Awesome. This podcast is sure to change your thought-life and mindset to set you on a path to better, more consistent golf.  Download or watch it on YouTube - search and subscribe to Mark Immelman.

Many Muslims today carry a type of mental pressure that builds quietly.A mind that does not pause.A heart that feels tired.A day filled with noise even when everything around you is calm.Islamic psychology reveals why the mind spirals this way and how emotional weight, overstimulation, and spiritual disconnection interact beneath the surface.This free training with Ustadha Sarah Sultan gives you a gentle, grounded understanding of your inner world and a practical tool you can use right away.You will learn:• Why the mind loops on guilt, fear, and unfinished tasks• How emotional overload impacts worship and presence• The Qur'anic explanation of the scattered heart• The patterns that make overthinking feel endless• A grounding practice that interrupts spiralsGet DiscoverU Circle: Muslim Growth: discoveru.online/membership/?el=podcast

Rediscovering the Scattered Library: Colleague Geoffrey Roberts explains that after 1956, Stalin's library was dispersed, leaving only about 5,500 identifiable books, some containing his pometki or markings; while Yuri Sharapov revealed the library in 1988, no "smoking gun" explains Stalin, with Roberts arguing the library proves Stalin was a serious intellectual who believed books changed the world. 1902

Your product line might be the reason customers are confused and not buying. In this episode, I walk you through why having scattered categories and “a little bit of everything” is quietly killing your sales, and what to do instead. In this episode, I'll tell you how one student went from scraping by to consistent $15K-$35K months by focusing on a few core SKU's. Listen in for the questions I ask in EVERY product audit, how to define what you want to be known for, and create a tight, profitable product line. Plus, we'll talk about how to position your best sellers across Etsy, markets, and more. Get ready to simplify your shop and watch your sales grow.In This Episode, You'll Learn:00:00 Why customers bounce when your categories are scattered.05:00 Ways to apply retail display logic to your homepage, emails, bundles, and social channels.08:15 Self-audit questions to see if your brand reads like a gift shop or a specialist.13:15 How to use sales data from the last 6–12 months to identify best sellers.17:45 Where sells best, website vs. Etsy vs. markets?19:30 Can a 90-year-old tell what you sell in three seconds?23:00 Your next steps to go from scattered to stand out in the next 90 days.Resources + LinksGet customized coaching for your business - join the 60 minute qualification call!Get business tips sent right to your inbox - join the newsletter!Watch on YouTubeFollowJacqueline on IG: @theproductbosstheproductboss.com

Sponsored By: → Cornbread Hemp | For an exclusive offer go to cornbreadhemp.com/drg and use promo code DRG for 30% OFF your first order! → Tonum | For an exclusive offer go to tonum.com and use promo code HEALTHYSELF for 10% OFF! → JASPR | For an exclusive offer go to jaspr.co/DRG and get $200 OFF for a limited time. Sign up for our newsletter! https://drchristiangonzalez.com/newsletter/ Episode Description: So many adults are living with undiagnosed ADHD and they think the problem is them. Lazy. Scattered. Unfocused. Not living up to potential. Dr. G thought that about himself for decades… until at 41, he discovered he actually has ADHD. Suddenly the lost keys, unfinished projects, chronic lateness, sensory overwhelm, and shame all made sense. In this intimate solo episode, Dr. G breaks down the neuroscience of adult ADHD, the trauma-based model Gabor Maté teaches, why the default mode network hijacks focus, how stimulant medications impact dopamine long term, and the lifestyle + supplement strategies backed by research. In This Episode: • How ADHD shows up in adults (and why it gets mislabeled as character flaws) • Why high-functioning people go decades without knowing they have ADHD • What the brain science actually reveals about focus, motivation & time perception • The Gabor Maté trauma model — ADHD as adaptation vs disorder • The stimulant conversation: benefits, risks, and dependency realities • Lifestyle anchors that support the ADHD brain (sleep times, routines, movement) • Research-backed supplements that can help support attention Key Takeaways: ✅ ADHD isn't laziness — it's neurodevelopment + nervous system wiring ✅ Trauma in childhood shapes time perception and attention patterns ✅ Medication can help, but informed consent is essential ✅ Exercise, structure, breathwork, and key nutrients truly support regulation ✅ Compassion — not shame — is what actually unlocks change Timestamps: 0:00 - Discovering I Have ADHD at 41 1:04 - My Entire Life Suddenly Made Sense 2:39 - The Idyllwild Moment: How I Found Out 4:45 - Everyone Knew But Me 7:31 - The Real Science Behind ADHD 13:56 - Childhood Signs I Missed 17:31 - What ADHD Actually Is (Not Laziness) 19:33 - Gabor Maté: ADHD as Adaptation to Stress 22:39 - Breaking Free from Shame 24:03 - The Truth About Adderall & Stimulants 26:49 - Natural Tools That Actually Help 28:15 - My Action Plan Moving Forward