Podcasts about senior loan officer

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487There is only one true path to heaven, and that is through Jesus Christ. That path is laid out in the Scripture and must be followed by submitting to the authority of the Lord. Along that path, however, are many features, trails, and particulars. This is because people are different. What affects you might be different from what affects me. What draws you, fulfills you, or aligns with your gifts might differ from me. Does this mean one of us is broken? Or that more honor is due one than the other? NO!We are all different. This does not mean some of us keep some laws and omit others to suit our preferences. No one is saying that (Don't write me up, please). But can we be honest that what feels strongest or fulfills us most may differ among people? We are all different in the body, yet we function as one body. With no shame, but with much appreciation for one another!Can you List Your Top 3? How are you leaning into them and inviting others to them?The StudentThe WorshiperThe ServantThe EncouragerThe ContemplaterThe Creation LoverThe Mission-MindedJesus is all of these things, and He is our authority. So we pursue them all. But do not be ashamed of the special categories where God is using you most amazingly. You are not broken. We are whole because of you. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Jesus Is the Sun: The Center of Order, Life, and LightOne of the most fundamental realities of the universe is that order does not happen by accident. Every stable system depends upon a dominant center. Astronomers have long recognized that when multiple celestial bodies of similar mass exert comparable gravitational influence over one another, the result is instability. There is no single authority that governs the movements of the others, and the system becomes increasingly chaotic. By contrast, our own solar system displays extraordinary stability because one body is incomparably greater than all the others. The sun's overwhelming mass establishes the paths of the earth, the moon, and every planet that belongs to its system. Everything moves in relation to it.This physical reality provides a profound picture of the human condition. Every life has competing centers of gravity. We are constantly pulled by ourselves, by the expectations and pressures of the world, and by God. If these influences are treated as equals, life becomes spiritually unstable. Every decision becomes a negotiation between competing authorities. Every circumstance introduces a new center. Anxiety, confusion, and inconsistency naturally follow because nothing possesses the authority to govern everything else.The Christian faith proclaims that God has already solved this problem. The answer is not to eliminate responsibilities or withdraw from the world. Rather, the answer is to establish the proper center. The New Testament presents Jesus Christ as the One who occupies that position. Paul writes that "He is before all things, and in Him all things hold together" (Colossians 1:17). Christ is not merely another influence competing for our attention. He is the Creator, Sustainer, and Lord of creation itself. The universe already revolves around Him whether humanity acknowledges Him or not. The invitation of discipleship is therefore not simply to believe in Jesus, but to reorder our lives around the One who already governs reality.This is why the imagery of the sun becomes so meaningful. The sun does not merely exist within the solar system; it defines the solar system. Its gravity establishes order. Its light reveals reality. Its warmth makes life possible. Remove the sun, and everything descends into darkness, coldness, and eventual destruction. Likewise, remove Christ from the center of human existence, and people are left attempting to construct meaning, morality, and purpose from sources incapable of sustaining them. The slides' first assertion—"He is the Great Power Bringing Order to this World"—captures this truth. Christ does not simply improve life; He establishes the very framework in which life flourishes.The second statement naturally follows: "You Must Move Entirely in Relation to Him." The earth does not occasionally consult the sun before choosing its orbit. Every aspect of its movement is defined by its relationship to the greater body. Likewise, discipleship is not about adding Jesus to an already full life. It is about allowing every decision, ambition, relationship, and value to find its meaning through Him. Scripture repeatedly emphasizes this reality. Jesus calls His followers to deny themselves, take up their cross daily, and follow Him. Paul describes Christians as those who no longer live for themselves but for Him who died and rose again on their behalf. Christ is not simply first among many priorities; He is the center from which every other priority receives its proper place.The final statement moves beyond order to mission: "The World Receives His Light from You." This image intentionally shifts from astronomy to theology. The moon possesses no light of its own. Every ray that reaches the earth originates from the sun. The moon simply reflects what it has first received. Scripture describes believers in remarkably similar language. Jesus declared, "I am the Light of the world" (John 8:12), yet He also told His disciples, "You are the light of the world" (Matthew 5:14). These statements are not contradictory because Christian light is derivative rather than independent. Believers do not generate truth, righteousness, or life from themselves. They receive the life of Christ and reflect His character into a dark world.This understanding guards against two opposite errors. On the one hand, it prevents self-exaltation. The moon never mistakes itself for the sun. Christians are not called to become the source of salvation, wisdom, or hope. Every good thing they possess has been received from Christ. On the other hand, it also guards against passivity. Although the moon produces no light, it still fills the night sky with remarkable brilliance because it faithfully reflects the light it receives. Likewise, Christ has chosen to make His people the visible expression of His presence until His return. Through their words, their holiness, their compassion, and their proclamation of the gospel, the world encounters the light of Christ.The progression of these images therefore, tells a complete theological story. First, Christ occupies the center because only His greatness can establish lasting order. Second, humanity discovers stability only by orienting every aspect of life entirely around Him. Finally, those who remain in His light become instruments through which that same light reaches the world. The Christian life is not fundamentally about self-improvement or moral achievement. It is about proper orientation. When the Son becomes the Sun, everything else finally finds its rightful orbit, and the light that has transformed us naturally shines into the darkness around us. In that sense, the goal of discipleship is beautifully simple: remain facing the Sun, and the world will see His light reflected through you.

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487On Pentecost, Peter presented four cases for Christ: Miracles, Prophecy, Resurrection, and the Events of Pentecost. This created a 4 Part Response by the hearer: Repentant Hearts, Separation from Sin, Devotion to Worship, and Sacrificial Service of one another! And so should Christ's victory today.We need one another, and we need to value our faithfulness in terms of how we fit together, work together, and love God's people. 2,4,6,8 Who Do We Appreciate - is not just a great softball chant, it lends to God's people cheering one another  in Acts 2:42-37; 4:23-37; 6:1-7; and 8:1-17!  What does that look like today?1) Pray Unceasingly for Christians2) Prioritize the Gathering of Saints3) Participate in Sacrificial Service4) Proclaim Christ and His ChurchYou can do it. We can do it, together!

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Oooh, this one stung a bit. I don't get into it in the lesson, but I sent a text the minute the recording was finished. I don't know that it will start things back to friendship with the person, but would you please offer a prayer on our behalf? Thank you! I will do the same to you, generically now, and specifically later if you let me know who and how. We must be a restorative people. Christ is so merciful, kind, patient, and forgiving. And we come up with so many reasons not to be this way. We site the error of the other person, or external factors that make the relationship a lost cause. Praise God that He didn't do that with you or me. Live the love you have from God. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487TOZER's BOOKS LINKFalse Worship vs. Faithful Worship1) Worship is about Me vs. Worship is about God2) Worship is What I want to Give vs. What God Desires3) Worship is about Chasing a Feeling vs. Truth Producing Affection4) Detached from Emotion vs. Engages the Whole Heart5) About Proving I'm Right vs. About Drawing Near to God4 WORDS FOR WORSHIP (CAFA)1) CONFIDENCE in God2) ADMIRATION of God3) FASCINATION with God4) ADORATION for GodUse these. Pray with them. Explore them. Make it ALL ABOUT GOD! Everyday, everywhere, everything, including Sundays. 

What happens when you stop waiting for everything to be perfect and simply hit publish?In this #GetSocialSmart Academy Spotlight, I sit down with longtime Academy member Beth Bloom, a Senior Loan Officer with Big Valley Mortgage in Northern California.Beth shares how joining the Academy helped her become more confident with social media, embrace video, start a podcast, collaborate with Realtors, and stop overthinking every post.If you've ever struggled with confidence on camera or wondered if your content is "good enough," this conversation is for you.In this interview we discuss:• Why Beth first joined the #GetSocialSmart Academy• How Coffee With Katie has become part of her Monday routine• Building confidence with video marketing• Why "Done is Better Than Perfect" really works• Using Canva and AI to simplify content creation• The value of community and accountability• Tips for loan officers, Realtors, and entrepreneursWhether you're brand new to content creation or looking for fresh motivation, Beth's story is proof that consistency beats perfection every time.

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487What is the most important thing or person in your life?How is that demonstrated Daily? Weekly? Monthly?Is it possible to say someone matters, and consider them always a part of your life, but marginalize and overlook them along the way? I believe it is. I know it.God deserves so much better. And so does my wife. Join me as we explore the kind of daily planning and focus that can put first things (first People), first, and that can actually bring stronger relationships and greater potential into every other endeavor of your day, week, and life. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487SERMON LINK - YOUTUBEThe peace of God comes when the presence of God is the abiding force and comfort of our daily lives, regardless of circumstances. But if God is this close to us, what is He doing? We know the Word is the source of God's revelation, but what is the daily impact of His presence?God does amazing things in the lives of His people. He works in us, on us, and around us in great ways. Let's explore a few of those mighty acts. He is involved in the lives of unbelievers and believers, in personal ways. This, as we discussed, is not a sin of partiality. It is a great comfort and hope. I am prayerful this episode will affect your faith, the way you see God, your reading, the way you explore God, and your prayers, the way you call upon the hand of God, for you and for others. 

What do you do if need funding for your business? Maybe to purchase your building, to buy out a partner or funding so your children can purchase your business and you can walk away…or maybe some other reason. Many times you turn to your banker. An SBA loan may also be an option for you. Dillion Caraway, Senior Loan Officer at Live Oak Bank, the #1 SBA 7(a) loan funder in the United States, gives you some options when you need funding for real estate, to purchase a business, and more. Free P&L Statement and Balance Sheet https://tinyurl.com/2rjd6wxu Ruth King Facebook - https://www.facebook.com/ruthking1650 LinkedIn - https://www.linkedin.com/in/ruthking1/   Podcast Produced by Nick Uttam https://www.linkedin.com/in/nick-uttam-4b33a1147

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Check out the book Unreasonable Hospitality1. Hospitality is Bigger than Entertaining -- it's about the people!2. Jesus Practiced Unreasonable Hospitality - go and do likewise!3. People Remember How You Make Them Feel - "do unto others..."-- A Quick Guide For The Week --- Notice Someone- Do One Unnecessary Kindness- Create One Memorable Moment This Week

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Mathew Allen Article: "When The Tongues Isn't The Real Problem"Three Takeaways from the Article:1) The tongue reveals the wisdom we live by.2) Being right is not the same thing as being wise.3) Peacemaking is not weakness - it's the highest form of wisdom.And... three practical things to do this week:- Audit your most recent conflict- Start praying James 1:5 specifically- Become a farmer instead of a fighter

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487A.W. Tozer's "The Pursuit of God"7 Questions/Rules for Self-Discovery:1) What do you want most in your life?2) What do you think about most often?3) How do you use your money?4) What do you do with your leisure time?5) What is the company that you keep?6) Who do you admire and imitate?7) What makes you laugh?"Hardly anything else reveals so well the fear and uncertainty among men as the length to which they will go to hide their true selves from each other and even from their own eyes."Be honest with yourself. Then be honest with the Lord. From where you are, where you truly are, can come beautiful things, even if it begins with repentance. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487I will cut to the application chase in the show notes. Once you've thought through the illustration of the man scaling the brick wall, and considered how to pray, here is a list of areas where you might pray for BOTH success and failure:1) Career and Education Choices (What if the ladder of success is a wall?)2) Financial Wisdom and Independence (Is the "love of money" dangerous?)3) Relationships, Particularly Marriage (What matters most here?)4) Christian Service and Ministry (Who is this about?)5) Physical Fitness (Do you want it if it becomes addictive?)6) Knowledge (Defeat my sense of knowing if it makes me prideful)Others may include:- My Family's Worldly Success (Are we proud of the right things?)- Being Right (Do we speak to win or to learn?)- Comfort / Peaceful Living (If it makes us less like Jesus, is it good?)- Popularity / Influence (What are the dangers if I am not prepared?)

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487I've read and taught Jonah's story more times than I can remember. And while we do note his good deeds in the middle, Jonah's story is usually told in a negative light. Jonah's sin drives the story, and it ends with his wrong attitude. I have far too frequently been highly critical of Jonah, and really, it was self-projection.I've struggled for many years with believing I lived in the grace of God. I, like Jonah, just mess up too badly and too much. But there is grace in this story. And Jonah's relationship with God, while tested by sin, was not broken by it. And neither is yours, nor mine, if we live by faith - even with our sins. Can I invite you to have more mercy on Jonah? And more crucially, on yourself. God has. And God is not, nor has, given up on you. Don't give up on yourself. He has done so much in Christ and with the Spirit to secure your salvation!

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Have you ever seen the Marshmallow Experiment? It's old and certainly makes you think. How we train ourselves, even in our youth, directly correlates to discipline, success, and productivity later in life. BUT - that is not the whole story. It's too. - ME FOCUSES -- I learn discipline. I delay gratification. I learn to say no. Life is so much be than you! And that's where new experiments with the marshmallows have the most valuable things to teach us. Tune in today to learn more. 

In this episode, I sat down with 10-year mortgage industry veteran Sal Rizzolo, Branch Manager at New American Funding, to unpack what's really happening on the front lines of lending right now. We talked about how AI is rapidly automating cookie-cutter loans — and how companies like Freedom Mortgage and Better Mortgage are already racing to cut human loan officers out of the equation. But instead of treating that as a death sentence, Sal breaks down exactly how he and his team are future-proofing themselves by mastering the 203K renovation loan — an FHA product that lets buyers purchase and renovate a home simultaneously with as little as 3.5% down. We dove deep into how this product creates supply in markets starved for inventory, how realtors can use it to close deals they would have otherwise lost, how homeowners can renovate without selling their low-rate mortgage, and why the most complex, human-intensive deals will always need a skilled loan officer who knows what no AI ever will. Sal Rizzolo Sal Rizzolo is a Branch Manager and Senior Loan Officer at New American Funding, based in Long Island, New York, with a growing presence in Florida. With over 10 years in the mortgage industry, Sal got his start after leaving a career as a hairdresser and was mentored by industry veteran Frank, who introduced him to the business and shaped his client-first philosophy. Over the past decade, Sal has built a reputation as one of the go-to specialists in renovation lending — particularly FHA 203K loans — becoming a pioneer of what he calls "ending renovation discrimination" in real estate markets. He operates across nearly all 50 states and is known for working with complex borrower profiles that other lenders pass on: lower credit scores, higher debt-to-income ratios, and buyers with limited down payments. Sal has hosted seminars for real estate agents throughout Long Island, converting educational events into lasting referral partnerships. He is NMLS licensed (#1489171) and is part of the Capo DiBug Team Northeast at New American Funding.   Connect With Sal Rizzolo Instagram: @salrizzolo Instagram: instagram.com/salrizzolo LinkedIn: linkedin.com/in/sal-rizzolo-6802a7181 New American Funding Profile: newamericanfunding.com/mortgage-loans/SalRizzolo     About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487There's not a whole lot I can tell you about this one. You'll just have to listen and go on this little Colorado adventure with me. I'll say this: God's people are awesome! This is true all over the Country and Planet! Meet Christians, ask questions, hear stories. Be encouraged, motivated, and inspired by the lives of fellow believers wherever you visit or live. God is amazingly at work, for your good, and so that you can be a blessing to others. Look for open doors, opportunities, and change... don't be afraid of change! May the Spirit guide you and the Son protect you, as the Father blesses you in this life. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487BIOS "BEE-oss" - Physical Life, Lifespan, Daily ExistenceLuke 8:14; I John 2:16; Luke 21:4; I Timothy 2:2ZOE "ZOH-eh" - Real Life, Fulfilled LIfe, Spiritual LifeJohn 10:10; 17:3; Romans 6:4; Galatians 2:20; I John 5:11-121) Start your day with direction, not reaction2) Choose presence over distraction3) Interrupt yourself for what matters4) End the day with reflection, not escape

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Sorry for the late drop on today's episode. I forgot to load it upon completion last week. This was a sermon a week ago. If you enjoy it and want much more biblical depth, particularly on the back end, you can watch it here. Please consider how you would interact with Jesus if He came to your home and made this dramatic request of you. Consider how differently you would respond if you a) had to do it on your own, or b) Jesus went with you. Money is the secondary point of this study. The primary point is the power of a present, active, daily relationship with Jesus Christ.  

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonTitle Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Sometimes the Bible gets in the way! Today I intended to talk about prayer, but the morning reading in Daniel 6 was just too good! I hope you enjoy the visit to an old story. Have you thought of the four different character types before? And how do they become shadows of Jesus and the grave? Most crucially for today, are you ready to be more like Daniel and Jesus? Do you recognize the quiet, but crucially strong presence of God? Is your trust in Him over the authorities, while also trying to show Christ to the authorities? And do you know how to handle jealous, arrogant people? If these questions intrigue you - please enjoy todays' study. 

Reach Out: Please include your email and I will get back to you. Thanks!Title Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487emersonk78@me.comDaily Bible Devotional Series - AmazonWhat would you do with exactly 10 years left? Are there non-negotiable things you would need to set right? Are there people you would prioritize investment in? How would you alter your day or week to make the most of your time? God has challenged us from Psalm 90, back in the days of Moses, to number our days. What if there was an exact number: 3,650?This exercise is about precision, not fear. It is about making sure each day we have left serves something bigger than itself, and that we leave this world with benefits existing for those who continue on. Come along on this journey today. You may need a pencil and paper. We need clarity on what matters. You may need to be ready to try some new things, though likely they will feel familiar in terms of value. And you may need some scissors. Because you can't build on the good without cutting out distractions. Many people plan to make the most of their last 10 years, only to find they have only months remaining. Don't wait for that moment. Act now. And maybe the Lord will give you much more time if He sees how prayerfully and faithfully and beautifully you are living!

"If you want to make a lot of money, solve big problems." - Elon MuskOur guest today is an early supporter Culture Matters and Senior Loan Officer with NJ Lenders Corp., Jeff Winick, and we're very excited to have him back for his sophomore appearance on the show.  There is a lot to cover in this episode, so buckle up and get ready to ride!  Jeff and Jay are unpacking the power of focus and how concentrating on one or two things instead of a whole bunch of things at once is going to maximize your chances to be successful at those one or two things, caring about the client first and making sure that their experience is positive and that they get what they want and feel like they matter instead of just being another number, how something as simple as a to-do list can help make sure you're not missing opportunities, and why acknowledging that you need to make improvements in certain areas is the first step to making those improvements happen.  Thank you to Jeff Winick for his time and expertise and we hope you enjoy this episode of The Culture Matters Podcast.

The housing market just pulled off something it hasn’t done in decades — and if you’re a buyer, renter, or anyone thinking about making a move in 2026, you need to hear this before the weekend. Mortgage rates jumped back to 6.22% this week after teasing a dip, new home sales dropped sharply, and yet somehow the data is quietly stacking up in the consumer’s favor. How is that possible? That’s exactly what we’re unpacking live tomorrow. Join me and Paul Fitts, Senior Loan Officer of Advantage Lending on Real Estate Right Now. Paul works in the trenches every day helping buyers navigate the rate environment, and together we’re breaking down the Top 10 residential real estate headlines that matter most to consumers right now — from the historic flip where resale homes now cost more than new construction, to renters securing concessions at a 10-year high, to the slow thawing of the lock-in effect that has frozen so many homeowners in place. We’re not here to give you hype or a national average that means nothing for your zip code. Markets like New York, Chicago, and Cleveland are climbing while Miami, Tampa, and Austin are falling — sometimes by more than 5% year-over-year. The data is real, it’s conflicting, and it deserves a real conversation. That’s what this show is built for, and Paul brings the lending lens that ties it all together for buyers who are close to pulling the trigger. If you’ve been waiting for the right moment to get serious about buying, selling, or renegotiating your lease — this is the episode. Touring activity is up 23% since January 1st, inventory is rising, and for the first time since 2022, buyers may be spending less than 30% of their income on housing. The window is opening. Come find out exactly how wide. Linda Craft Team, Realtors they have been helping people with their home selling and buying needs and wants for more than 40 years. Their clients call their customer service “legendary”. That's because Linda and her team recognize that your home is more than a purchase, it is the place that some of your most significant memories will be made. When you are looking for the best expert when it comes to real estate in your area start with the “legends of customer service” start with Linda Craft Team.  Head on over to www.LindaCraft.com

Reach Out: Please include your email and I will get back to you. Thanks!Title Sponsor: Tyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487emersonk78@me.comDaily Bible Devotional Series - AmazonTODAY'S EPISODE"Would you rather stand with someone in judgment Jesus stands against, or stand against someone Jesus stands with?" (The answer is neither: Prov. 17:15. But which way do you lean, cater, or find the most comfortable direction to err? Your personality may have more to do with your answer than you think.)Book recommendation: "Invitation to a Journey."Four Personality Categories: Two Sides for Each.Extravert vs. IntrovertExtroverts are energized by people and activity, talk things out, and process externally. But it can be overly so, to the discomfort of others. And the introvert in them will not have healthy private contemplation time.Introverts prefer solitude and reflection, think more before speaking, and prefer smaller circles of friends. This can be good, but it can also lead to an inability to be social and share the Gospel. And the extravert within them will be unleashed in unhealthy, random ways. Sensing vs. IntuitionSensing people like focusing on concrete ideas, facts and details. They deal with present realities and notice specifics. But too much of this can lead to missing the forest for the trees, and their intuitive side will seize on odd, abstract ideas.Intuitive people are open to possibilities, focus on meaning or the future, are imaginative, and make connections. But too much of this misses things right in front of their faces. And their sensing side may not know how to handle reality. Thinking vs. FeelingThinkers are analyzers and look for consistency. They decide based o reason and principles. This is all good. But they can also be without compassion or awareness of others. They have a feeling side, but it may stay suppressed and leak out in harmful or sinful ways.Feelers love people and love deeply. They feel for others and enjoy helping and entering into trouble to uplift. But they can do so without thinking and cause damage. Also, their brains want to reason, but because they are not explored, they are incapable of reaching foolish, illogical conclusions.Judging vs. PerceivingJudgers can be good. They like plans and closure, decisiveness and firm lines. But they lack adaptability, and often the ability to admit when they are wrong or don't know something. They have a perceptive, exploratory side, but if it is undisciplined, they may become unsure in biased or unsound situations. Perceivers are open and adaptable. They admit when they don't know things, nor do they think all things are black and white. This is good, until it prevents them from seeing clearly drawn lines and conclusions that need to be reached. They have a judgment side, but it isn't trained, and they randomly pass odd and cruel judgments out of nowhere. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-84878 Reasons God Won't Hear or Answer Prayer:1)        Unconfessed Sin (Ps. 66:18)2)        You Don't Actually Pray (James 4:2)3)        Doubt that God will Act (James 1:5-8)4)        Wrong Motives (James 4:3)5)        Unforgiveness to Others (Mark 11:25-26)6)        Ignoring Hurting People (Proverbs 21:13)7)        Being a Bad Husband (I Peter 3:7)8)        He's Got Something Better Planned! (II Cor. 12:7-10)When you pray, recognize the help of the Holy Spirit (Romans 8:26-28).“Pray in the Spirit” Ephesians 6:18 – Utilize your relationship with the Spirit!He's in the house. Tear down the paper wall between you and welcome Him. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487FAQ1) What is the strong drink condemned in the OT?2) Was the oinos in the time of Jesus fermented?3) How does modern day alcohol compare to NT times?4) Does "addicted to much wine" allow for some wine?5) What exactly constitutes the sin of drunkenness?6) Is it sinful to drink if it causes a believer to stumble?7) Is it sinful to drink if it confuses an unbeliever?8) Does the bible permit alcohol drinking of any kind?Why my family chooses abstinence:- Drunkenness is Sinfulness- Sobriety is Non-Negotiable- Alcohol is Dangerous- Our Culture is Unconcerned- The World is Watching- The Believer is a Priority

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-848710 Proverbs Starter Chain on "WORDS":Proverbs 10:19; 12:18-19, 25; 13:3; 15:1,4; 16:24; 17:27-28; 18:21; 21:231) Words Dictate Outcomes: They Produce Life and Death(Prov. 18:21; 12:18; 11:9)2) Tone Carries Weight: Softness Settles / Harshness Ignites(Prov. 15:1; 16:24)3) Restraint is Spiritual Strength: Silence is often wisdom(Prov. 10:19; 13:3; 21:23)4) Timely Words are Priceless: Craftsmanship matters(Eph. 4:29; Prov. 18:4; 25:11)5) Your Words Reveal Your Heart: Words tell others who you are(Matt. 12:34-37; 15:18; Luke 6:45)

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487DesensitizationPositive PortrayalMediaMoral ReframingReframing the Opposition(This has been powerful with homosexuality, as documented in the book: "After the Ball: How America will Conquer its Fear & Hatred of Gays in the 90's." But it has also proven powerful with all forms of immorality, profanity, abortion, materialism, and false religion.  The masses have been conditioned to accept what is false.)Ephesians 4 and 5 can help:4:17-22 - Corruption4:23-31 - Renewal in Christ5:1-6 - Live in Christ morally5:7-14 - Be the light that exposes sin5:15-21 - Use your time well and with God's people. But we must also put Christ back in Christianity:Desensitization:Stay sensitive about sinStay sensitive about how Jesus feels about sinPositive Portrayal:Recognize good qualities in sinful people.But keep the focus on submission to Christ, not just on being good.Media:Be at the feet of Jesus and in the place of many other things.Be at work producing for God. Don't just be a consumer.Moral Reframing:What you call or label something is completely irrelevantAvoid cultural categories: evaluate everything biblically Reframing Opposition:Stay calm when miscategorized (expect it).Center every issue on Jesus Christ. 

Send a textWhat if the most powerful financing tool in self-storage has been hiding in plain sight…dismissed, misunderstood, and underutilized by the very investors who need it most? Joe Downs sits down with Anne Mino, Senior Loan Officer at Live Oak Bank, the #1 SBA lender in the country by dollar volume for self-storage loans, to pull back the curtain on what SBA financing can actually do for self-storage investors. Anne reveals how a borrower earning $80,000 a year could qualify for a $1 million acquisition, why no prior self-storage experience is required, and how strategic use of SBA loans can turn $300,000 into a multi-property portfolio. If you've been sitting on the sidelines waiting for the perfect deal or the perfect balance sheet…this episode is your wake-up call. WHAT TO LISTEN FOR3:46 Can a first-time self-storage investor with no experience actually qualify for an SBA loan?11:03 Could someone earning $80,000 a year qualify for a $1 million self-storage acquisition?19:08 How can SBA financing help investors buy and expand a self-storage facility at the same time?23:41 How do experienced investors use SBA loans to build a self-storage portfolio faster?28:21 Does SBA lending really take six months to close a self-storage deal? Leave a positive rating for this podcast with one click CONNECT WITH GUEST: ANNE MINO, SENIOR LOAN OFFICER AT LIVE OAK BANK, SELF STORAGE DIVISIONLive Oak Bank | LinkedIn | Email | 910.550.2297 CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | InstagramJoe Downs on LinkedInBelrose website | Belrose email | Belrose LinkedIn

Reach Out: Please include your email and I will get back to you. Thanks!Sermon Link - YouTube - Mission and Marriageemersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487What is the Mission for Your Life? (Here's Mine)1. Discipline myself for God's work.2. Influence my family to love and serve God.3. Encourage and strengthen fellow believers.4. Reflect Christ's light into a dark and dying world.5. Worship God faithfully on Sunday and every day. EVERYTHING in my life answers to this mission. Including Marriage. Adam was given work to do, then a HELPER to accomplish the mission, not to distract from it or as a reprieve or separate life. Build your marriage as a tool to best accomplish the reason for which God has made you.

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487The Miserable Middle is a place of uncertainty, of fickle joy, as the result of too much closeness and assimilation with the world. If we, even in part, live according to the world, then we are susceptible to the doubt and fear within it. Without full, complete, wholehearted commitment to Christ, any joy we build will be temporary, shallow, and within the confines of our own power. But God offers so much more! In Christ, entirely in Christ, there is eternal, deep, and founded in the power of the almighty God! How do we get there? Here are some things that can help.1) Pray for God's Help - and Believe He Will Provide It. 2) Identify your Mission - Why God Saved You. 3) Build your life around Time With God.4) Remove what Dulls your Spiritual Appetite.5) Tie Every Role in Your Life to Your Mission.6) Surround Yourself with People who are ALL IN.

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487"Success is a peace of mind which is a direct result of self-satisfaction in knowing you made the effort to become the best of which you are capable."The Success Pyramid:Foundation: Work Ethic, Enthusiasm, RelationshipsNext Level: Self-Control/Mastery, Intentional Growth/Teachability, Focused EffortAlmost There: Poise, Confidence, Competitive EnduranceThe Top: Clear Conscience, Inner Peace, Faithful Finish!You have to lay the proper foundation to get to the top. But oh, how sweet it is!

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-84871) Master what you can control - your mind, your choices, your discipline.2) Live your philosophy quietly - embody truth, don't perform it.3) Be charitable toward people - don't judge, don't take revenge.4) Accept hardship as training - no complaining, use it5) Live urgently and humbly - you will die, make today matter.These ideas have shaped people's lives for centuries. All are valuable and can have directional impacts on your life. However, each one needs more Jesus! Don't we all, and don't all things, just need a little more Jesus? Well, maybe a lot. Let's take these ancient truths for self-improvement and add to them divine concepts of the Messiah, and then they can truly become The Supreme Five!

Reach Out: Please include your email and I will get back to you. Thanks!Link to the Watchman Nee book.emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487The believer rests in Christ. Not just one day, but today. We are seated with Him in a place of protection, help, and assurance. He is with us always, even right now, and with Him comes omnipotence and glory. We are saved, secured, and safe.It is only from this seat that we can truly walk. And I don't mean just get up and start walking. I mean that what is true spiritually remains true: you are seated with Christ, even as you walk. The walk reflects the relationship. It is not an effort to validate what Christ did or to pay Him back. It is not a debt owed. It is a life of hope in Him.The devil will attack. He will try to ruin our confidence. But he is a loser. He has lost. We are on Mount Zion; he is in the valley of despair. We have the high ground in Jesus Christ, and the power of Christ to hold that ground.Sequence is crucial. You cannot stand if you are not seated, nor walk. Begin with Christ, pray about what is true, find joy in who you are in Him and who He is for you. And walk with life and stand with strength—His strength. 

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Notes on a recent sermon: Romans 8 and the Holy Spirit 5 Amazing Sources of Confidence:- No Condmenation in Jesus (8:1-2)- Holy Spirit within us (8:9-11; I Cor. 3:16; 6:18-20)- Adopted by the Father (8:15-17)- Justified and Glorified (8:18, 28-30)- In Christ's Amazing Love (8:35-39At the same time, we are called to be faithful:- Walk by the Spirit, not flesh (8:4-5)- Death to deeds of the body (8:12-13)- Live in God without fear (8:15-16)- Endure suffering with hope (8:18, 23-25)- Conform to Christ's image (8:17, 29)HOW do I stay confident in Christ when I fall so woefully short of these goals?Here are a few things we know that help:1) Grace creates a relationship: obedience chooses to live in it.2) Faithfulness is about Lordship; no sinless perfection.3) Struggle is expected in the Christian, not condemned.4) God Gives His HOLY SPIRIT to Help Us in our Walk!That last one is HUGE. Here are 8 things Romans 8 teaches that the Holy Spirit is doing. You do not have to explain them. But you must BELIEVE. And pray for these things. - He Sets Us Free (8:1-2)- He Dwells In Us (8:11)- He Gives Life to our Mortal Bodies (8:11)- He Helps us Defeat Sin (8:13)- The Spirit Leads us (8:14)- He Testifies with us (8:16)- He Helps our weaknesses (8:26)- The Spirit Interceded in prayer (8:26)

Reach Out: Please include your email and I will get back to you. Thanks!emersonk78@me.comExcel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Intro Idea: THE MIRACLE MORNING! 30-60 minutes each morning of prayer, reading, and planning! Start your day well if you hope to live it well. This creates consistency and growth. 7. Holy Living: Fight Sin and Win in Christ • Romans 6:11-14 – “Sin shall not have dominion over you.”• Galatians 5:16-25 – “Walk in the Spirit… the fruit of the Spirit.”• 1 John 1:5-9 – “He is faithful and just to forgive.”Questions:• What specific sins have been plaguing your heart and life?• What patterns, places, or habits make this temptation overwhelming?• How does a personal connection to Christ make a difference?Exercises:• Pair up a fruit of the Spirit daily that opposes your sin.• Remove or minimize a factor that leads to your downfall.• Share your struggle with a trusted believer who can help.8. Living on Mission: Do the Work God Has Planned • Ephesians 2:8-10 – “Created in Christ Jesus for good works.”• Romans 12:4-8 – “Having gifts that differ, use them.”• Matthew 5:14-16 – “Let your light shine before others.”Questions:• What do you know God wants to see more of in your service?• Can you recall a time when such was central to your day and life?• The work is the people. Will you start with one person this week?Exercises:• Write down a generic mission and three possible specific actions.• Pray for opportunities, open doors, and wisdom to identify them.• The work is the people, pick a person or family and get started.9. Do Hard Things: Invite Suffering for the Sake of Growth • James 1:2-4 – “The testing of your faith produces endurance.”• Hebrews 12:1-11 – “He disciplines us for our good.”• 1 Peter 4:12-13 – “Rejoice as you share Christ's sufferings.”Questions:• What does God want from you that is hard to do faithfully?• Are you willing to suffer for it, or is cost and pain off limits?• Will you accept help, support, or accountability partnerships?Exercises:• Pray to register difficulty as opportunities to explore.• Clearly note the forward-looking why for a hard thing.• Plan something specific

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Opening Idea: Build Your Ladders!Get clarity on where you want to go. Then draw out an immediate January plan. What set of decisions, sustained over 31 days, could really get you going? Now, just repeat 11 more times. If God stays with you and keeps the rails in place, you can build easily and access another level!Areas of Growth (#4-6)4. Urgency in Action: No More ProcrastinationQuestions: • What right thing have you been putting off even though God wants it?• What excuse are you using that needs to die today?• How can your life change for the better if you stop waiting?Exercises: • Write down a thing or two and brainstorm a January and 2026 plan.• “Eat that frog” – try a daily habit of hitting unfun things early.• Delay something you enjoy until you have done the best thing first.5. Focus on the Family: A More Spiritual HomeQuestions: • If Jesus visited, how Him-centric would He say your home is?• What does your family see in you that reminds them of Christ?• What one sustained change would help the most in your home?Exercises: • Establish one tech free period each day for conversation and connection.• Make Bible class and worship an immovable family priority.• Plan a family action that serves others in the likeness of Jesus.6. Peace in the Storms: Freedom from AnxietyQuestions: • What fears have the loudest voice in your mind right now?• If you have faced it before, how was God with you through it?• If it is new, what is in place to help you grow through it?Exercises: • Memorize one Scripture that speaks directly to faith over your fear.• Connect with someone who is or has overcome this fear in the past.• Start a habit that can lessen or even prevent what may be coming.

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Looking back on 2025:What was GREAT - Great in the moment, great in your memories, and constructive for your future. We need much more of that!  What was GOOD - It didn't check all the boxes, but it had some redeemable qualities. What was BAD - I'm not exactly talking about sinful things, we know those have to go. But what about choices that are amoral but just don't check any boxes?  Clarity on these three lists can help you use what has happened (2025) to best plan for what is coming (2026).OKAY, to the List! Here are the first three:1.  Resetting the Heart: Return to Your First LoveQuestions:When was your love for God the strongest?What has changed in your life?Has God changed, and why does that matter?Exercises:Pick a Gospel and read a chapter a day, focusing on the love of God for man and the love of Jesus for people.Restart one spiritual habit from a time when your faith felt strongest.Spend a few minues a day thanking God specifically for His love for you. 2.   Focusing More on God: Removing DistractionsQuestions:Do you remember when it was God above all else?How is happiness in Christ better than joy in distractions?What is the most invasive distraction?Exercises:Identify your biggest distraction and minimize it for a full week.Begin each morning with prayer and Scripture before the phone.Schedule a two minute afternoon checkup to assess time usage for the day.3.  Attitude of Thankfulness: Daily GratitudeQuestions: What are you most thankful for in your life?What other things have obscured your view?How is there room for both in your life with proper perspective?Exercises:Choose one thing daily and practice level three gratitudeTell one person each day something you appreciate about themEnd each night with a prayer that exclusively offers thanks to God

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Pick One Per Day: - Be Harmonious- Be Sympathetic- Be Brotherly- Be Kindhearted- Be Humble in Spirit- Be Unprovokable (do not return insult for insult but give a blessing instead)We didn't read it in the podcast today, but I Peter 3:10-12 follows that list with this: "The one who desires life, to love and see good days, must keep his tongue from evil and his lips from speaking deceit. He must turn away from evil and do good; he must seek peace and pursue it. For the eyes of the Lord are toward the righteous, and His ears attend to their prayer, but the face of the Lord is against those who do evil." 

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Three Ways Jesus Suffered and Calls us to Join Him;1) Mistreatment by Men2) Submissiveness to God3) Self-Restraint from WithinHOW did He do it and how must we?1) By entrusting ourselves to God2) Looking beyond with Joy3) Anchored in PrayerAnd WHY do we do it? Why did He?1) To Honor the Father2) To Save People3) To Defeat the Devil

Reach Out: Please include your email and I will get back to you. Thanks!What is more powerful in your mind? Positive thoughts or negative thoughts? The weight of one is much greater than the other, simply based on the way God designed us. And this means we have some work to do, lest even a single negative idea affect your belief, then your choices, then your life. Five Steps for Overcoming Negative Thinking:1) NOTICE the thought immediately2) NAME the thought for what it is3) REPLACE the thought immediately4) REPEAT that process consistently5) BUILT positive thought habits daily Excel Still More Journal - AmazonNew GENESIS Daily Bible Devotional!Daily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!New GENESIS Daily Bible Devotional!Please consider adding this tool to your Old Testament study.Next year could be the best year of your life for study, prayer, growth, and service. You will get through it, quickly, whether or not you're fully prepared. So, let's get ready. Have a plan for daily prayer and consistent Bible study. Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!Isaiah 27:9; 30:22; 64:1-4God is serious about idolatry. Are we as serious about idols in our lives?Here is a list of three in the New Testament that are always sinful:- Trust in powers that are not God- Personal greed and materialism- Sexual immorality of all versionsAnd here is a list of things that aren't sin by themselves, but can become idols:- Family and Relationships- Work, Status, and Reputation- Matters of Personal LibertyWhatever challenges you, ask yourself these questions:1) How does your view of these sins change when you see them as idolatry before the Lord"2) What would it look like for any one of these to become an idol in your life?3) How far are you willing to go to choose God over these things and a lukewarm life? Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!Check out Jed Yancey's "The 44" Podcast. Here is the Apple Link:https://podcasts.apple.com/us/podcast/the-44/id1633292693Check out InLight Media!  It's just so great! Consider supporting. Two links.https://inlightmedia.org/InLight - Giving OpportunityLetting Down Your Nets:1) Setting the Scene - Jesus in Everyday Life2) The Command - "Lay Down Your Nets"3) The Reluctant Response - "But because You say so..."4) The Result - Abundance!5) The Reaction - "Depart from me, for I am a sinful man."6) The Redirection - "From now on you will be fishers of men."7) The Response - "They left everything and followed Him."Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!Do you know the number one instruction of Jesus in scripture? Be Not Afraid!The second, just behind it in amount: Believe in Him!When we get both of those flourishing in our lives, nothing can hold us back. Let's walk from past to present to future and rest in Jesus. Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487Note: Today we covered four storiesCreation / Flood/ Red Sea / NaamanNewness / Cleansing / Freedom / RestorationBut they were all temporary. IN Christ we are forever His, so long as we live by faith in Him!Lyrics from Left It in the River:I had burdens on my shoulders all my lifeI tried and tried to leave 'em all behindBut freedom's one thing I could never find (Mmm-mmm)I said a prayer from the banks of a riverGod met me there, showing me something betterMmm-mmmMy life was changedWhen I stepped into the waterAin't seen my chainsSince I gave 'em to the FatherHallelujah, I've been deliveredWhere is my guilt?Where is my shame?I left it in the river, (river), ohI left it in the river, (river), ohNow, there's nothing that can take this joy I've foundHe raised me up and I ain't coming downHe washed me clean and now there ain't no doubtHe turned it all aroundMy life was changedWhen I stepped into the waterAin't seen my chainsSince I gave 'em to the FatherHallelujah, I've been deliveredWhere is my guilt?Where is my shame?I left it in the river, (river), ohI left it in the river, (river), oh-ohI said a prayer from the banks of a riverGod met me there showing me something betterI left my wrongs at the bottom of the riverI said so long, said goodbye foreverMy life was changedWhen I stepped into the waterAin't seen my chainsSince I gave 'em to the FatherHallelujah, I've been deliveredWhere is my guilt?Where is my shame?I left it in the river, (river), ohI left it in the river, (river), ohI left it in the river, (river), ohI left it in the river, (river), ohI left it in the river

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487If life allows you 90 years, what percentage are you through your life? Have you thought about what God is planning for the upcoming stages of life? It can be said that a person lives three lives: Birth to 30, 30-60, and 60-Death. Which of those sets are you in? The first has lots of exploring and beginning. The middle has lots of cultivating and growing. But what is God's purpose for the last? According to Scripture, God did some of His most powerful work, for Himself, and in the lives of others, in that third stage of life: Caleb, Noah, Abraham, and Moses testify to that. Are you ready to do your most impactful and helping work in this most vital stage of life?

Reach Out: Please include your email and I will get back to you. Thanks!Today, we explore the book of Song of Solomon. This letter describes young people in love. Their passion and desire, combined with wisdom and self-control, make them a great example for young people today. For the unmarried, this will help you know if you have met the right person. For young married couples, this will help you develop the type of relationship that will flourish for decades to come. For the rest of us, there is still time! But like investing late in life, we'll need to give more each day to make a significant difference. But God has a plan for marriage, for every marriage, for your marriage, and it is good. Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!Proverbs 31 is so helpful to godly women. But it is not just about their faith. In fact, the thrust of the chapter is a mother advising her son, who would become king. There are FIVE central teachings in this chapter concerning how to become a man of authority and integrity. Let's explore them all, with particular focus on young men of faith. We will also see how this chapter can benefit the choices of young women, as well as challenge us older folks to lead by example. Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487

Reach Out: Please include your email and I will get back to you. Thanks!Excel Still More Journal - AmazonDaily Bible Devotional Series - AmazonSponsors:  Spiritbuilding Publishers Website:  www.spiritbuilding.comTyler Cain, Senior Loan Officer, Statewide MortgageWebsites: https://statewidemortgage.com/https://tylercain.floify.com/Phone: 813-380-8487I've attached the transcript from the John MacArthur interview. The Scripture, in my view, opposes his opening remarks. But the fascinating thing is how he comes back around to personal choices to live with love, humility, obedience, and perseverance. This can be a good starting place when talking with Calvinist friends.MacArthur: If I could lose my salvation?I would.Right?If I could, I would, because I don't have the power to hold it.How can we have assurance that we are saved?Well, you can eliminate one thing for certain that can take your assurance, and that is the idea that you could lose your salvation.That's a lot.Salvation is forever.Salvation is eternal.There's nothing that can separate you from the love of Christ.Jesus said in John 6, the gift of you will come to me, and I will lose none of them, but raise them at the last day.Salvation is forever.So if you are saved, it's forever.That faith cannot fail because that faith is not your faith, that's a gift of God who's given it to you if hes to .So you eliminate that if you get your theology, right, that salvation is forever.So all you want to know is, is my salvation forever.And here's how you know.I think there are three tests and then a forthcoming.Test number one is, what do you love?What do you love?If any man is in Christ, he's a new creation, old things pass away, new things come.What are these new things?I like to think of them as new affections.So the first mark of a believer.It's not perfect, but it's evident love.What do you love?You love the Lord?You love His Word.You, you don't love him like you should, and he used to be increased.You don't love the word like you should, but you love those things.You love the people of God.You want to be with his people, you want to be in the church, you want to be a part of the worshiping group.So, love is the first evidence of a transformed heart.The second one is humility.There's a sense in which you are aware of your sinfulness, and you never really get over this incredible grace that's been given to you to save you.The third one is obedience.It's not perfect obedience, but it's a longing in your heart to obey the Lord.You do acknowledge him as Lord.Do you want to obey.So love, humility, and obedience.And then the fourth thing is this, it's trials, it's what can your faith survive?You know, people who say, well, I believe in the Lord, and something goes wrong in their life, and they walk out.Well, that's not a saving faith.That's not a faith that's a gift from God , because that lasts.