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Join Lead Time+ to continue the conversationThis story simply must be shared.Carter Nath was already serving his rural Iowa congregation when its pastor announced his approaching retirement. As two neighboring Lutheran Church Missouri Synod churches searched for a path forward, Carter was willing to pursue pastoral formation and continue serving the people and community he loved. Then he learned that his age could prevent him from entering the Specific Ministry Pastor program.Carter joins Tim Ahlman and Jack Kalleberg to tell the deeply personal story behind an approaching church closure—and to explain what is truly lost when a rural congregation disappears. This is not merely a conversation about institutional policy. It is about people, communities, pastoral formation, and whether the LCMS can develop faithful local leaders before more Gospel outposts reach their final Sunday.Carter's story deserves to be heard by anyone who cares about rural ministry, the pastoral shortage, and the future of the Lutheran Church—Missouri Synod.If you have a story to share, email: tahlman@cglchurch.orgSupport the show⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️Care about the future of the LCMS?Join the LCMS Current! (LCMS Current Events Newsletter)⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️To learn more, visit uniteleadership.org

Keith is joined by Jim Sheils, a seasoned real estate investor and builder who specializes in new construction and co-living properties.  Together they explore why traditional long-term rentals are struggling to cash flow and how co-living—renting individual rooms in purpose-built homes—can dramatically boost returns.  Jim breaks down how the model works, who the typical tenants are, and why platforms like PadSplit are essential for management, compliance, and steady occupancy.  Their discussion highlights how co-living can simultaneously address the affordable housing shortage and today's "cash flow crisis" for real estate investors. Episode Page: GetRichEducation.com/617 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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. For the first time ever on the show, we're talking about what some call the greatest real estate cash flow strategy today: co-living. Learn about what it is, what it is not, the pitfalls to avoid, and just how terrifically profitable co-living property can be today on Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.    Speaker 1  0:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:15   Welcome to GRE from Dover, Idaho, to Dover, Delaware, and across 188 world nations. You're inside Get Rich Education nation. I'm your host Keith Weinhold. For about five years now, it's been harder to make the cash flow numbers work on long-term rentals, and that's because sure rents are up, but not as much as expenses are, and that's why for your regular income properties, builders buy down your mortgage rate for you so that it works. But now enter co-living properties, and your cash flow can be multiples higher. In fact, today we're going to talk about a model that has seven times the cash flow of a regular long-term rental, for example, instead of renting a detached single-family home to one family, if instead you divide it up into six bedrooms and rent each one of the six bedrooms to an individual, you will drive substantially more income. You've got six rent checks instead of one. That's what a co-living property is in general, and you're usually renting it to tenants that are working a lot. They're away from the property. It's often run through pad split. You'll learn more about what that means. And though co-living is lucrative, you still need the right market, the right layout, the management, which is really key here, and the right operating model. Today, we'll talk to a GRE Marketplace operator that provides co-living properties to investors like us with a management solution. And as you'll see, it gets even better than that. Although they serve just one geographic area in the U.S. which happens to be an investor advantaged area, as you'll see, this is conducive to out of state investors. If you want to own there, we're talking about co living income property today. Next week, there's something vital I want to tell you about, and I can't wait to do that. It's about the way that I talk when I meet a 25-year-old, and I learn that their only source of income is as an employee at a job. And no matter what age you are, what I'm going to share with you is going to apply to you too, and it's pretty transformative. That's next week here on the show. As for today, let's learn about co living. Jim Shields is here. Jim, welcome back to the show.   Jim Sheils  3:56   Keith, good to be here. Thanks for having me.   Keith Weinhold  3:58   Well, Jim, we saw each other in person a few months ago at a conference. I wanted to have you back here today to discuss co living since you're involved in it and you help other investors learn about it. And now you even started providing properties for co living specifically for them. And you know, Jim, with co living, I have seen models in the past where, oh, a single-family home it might be retrofitted, renovated to say have six bedrooms and three bathrooms, and that way you, as the owner, you could rent it to six tenants, really who are each only renting a room rather than renting the whole place to one family. In this way, tenants get cheaper rent because they're only renting one bedroom, and then for the owner, this gives them stronger cash flow because they're renting it to six different parties and not just one. So, with affordable housing really being a struggle for so many, you know, co-living is. Really taking off. So tell us more about what co living is and what it isn't, Jim.   Jim Sheils  5:05   Yeah, co living was something that was brought to us by one of the owners of Pad Split. Actually, they had met me and worked with me on other new construction projects, and and kind of my evolution, as you know, Keith was I I went from doing a ton of fixer uppers for many of years to new construction, and both can get you where you want to go. But I like new constructions. But meeting some of the owners of PadSplits, I found that they were starting to have the same struggles that I was when I was rehabbing a lot of homes. You know, it's not easy to take a three bedroom or four bedroom home and turn it into an eight bedroom or a seven bedroom, and so you know, starting from scratch with new construction, we're able to set up for what they're trying to create, and what they're really trying to create with co living is that affordable housing crisis. There's a lot more single individuals out there not looking for you know whole, not needing whole family dwellings to live. They're more at a basic income level that you know keeps them quite a bit below being able to rent. Like here in Jacksonville, the average price of a one-bedroom apartment is just outside of their qualifying range. So they might have a good job and decent credit, but they can't qualify. So what we've seen co-living do, and again, working through our our management partner of Padsplit, is they are bringing in this system of putting people together in one home, still with the screening, still with certain amenities that you know really help the property get seen, wanted, and rented, and then certain managerial things, where you're providing good options for living in areas that need more affordable living, and for landlord investors like ourselves, you're providing now a new opportunity to beat what I've called the cash flow crisis. You know, we have an affordability crisis, but that's also created a cash flow crisis, Keith. As you know, and the numbers that we've been able to see are quite advantageous for both the renter for the amount they pay and for the owner for the amount they're going to cash flow. And that's what I'm seeing this new co-living movement is about. It's really landlords taking a new risk on a certain type of property and tenants getting a type of property that fits their income and their needs.   Keith Weinhold  7:27   You know, Jim, philosophically, I'm thinking about assisted living homes, and when society changed sometime last century, assisted living homes became more of a trend where a lot of times that's where the elderly people went. Now we have co-living, and you kind of wish the world would be a place like where you know someone freshly out of high school or college could be married and have children, and you know just one or two jobs could float and support that family, and they would be able to afford their own home, either to own or rent. But increasingly, that's just not the world that we're living in. It hearkens back to multi-time GRE guest and legendary investor Jim Rogers. To paraphrase Jim Rogers, Jim Rogers said, "I need to invest in the world with the way that it is, not the way that I want the world to be. That's one thought that keeps coming to mind with co-living.   Jim Sheils  8:29   Yeah, for me too. Honestly, Keith, when I first heard about co-living, it was a few years ago. Someone saw me speak at a mutual event similar to one we last saw each other at. I got off stage, and they came up to me and they mentioned to me we're doing these things called co-living.   Keith Weinhold  8:44   Yeah.   Jim Sheils  8:44   And I was kind of blinded. I was looking backwards instead of forwards, and I said, "Oh, that doesn't sound right. That doesn't sound like it could work, you know. And I had a lot of what ifs, and how do you handle this? Well, you know, as the niches really started to solidify and show real wind at its back, all those questions and doubts I had have been answered, and I've kind of become a believer in why it's working and also the results. You know, for us, build right, finance right, manage right. That's always been our model. That's what's going to help us and our investors succeed. Building it right and managing it right. We had to figure out, but figuring that out-that's key. And it's very cool to see investors today breaking the norms of saying, "Well, you know, we can't have cash flow anymore on a nice new construction property in a growth market like Jacksonville, Florida. You can't have good cash flow. Well, that's just not true with co living coming on because again you're answering the call of a forgotten tenant and their needs.   Keith Weinhold  9:46   Yeah, I just think for any thoughtful investor, it's got to give them pause. But this is where society has gone. Well, we're going to talk about how profitable co living is for investors later. But first, tell us more about the nuts and bolts of how co.   Jim Sheils  10:01   Yeah. So the way that it works is, first of all, you start, you know, again going with our model, build right, finance right, manage right, building it right. When you're starting with new construction, you're able to go into the property with all eyes open, without a lot of surprises, and you're able to build it right to the design that a co-living property of success would entail. You know, we're doing seven bedrooms, seven baths. We're doing 14 bedrooms, 14 baths. We're doing 20 bedrooms, 20 baths. These are all things that we worked with the owners of Padsplit as they've worked and researched areas all over the country, starting here in Northeast Florida. But what we're doing, we figured out exactly what type of build you do you need to do that's going to work? Smaller living areas. There's only one utility box. There's not you know multiple utilities. It's not a multi-unit building. So there's one utility box. You build it to that specimen of either we build anywhere from seven bedroom, seven baths, right up to 20 bedroom, 20 baths, and that's the build part. That way, you're getting into it and not having to, you know, kind of. It's really tough, Keith. I don't need to tell you with your experience to turn a smaller house into that bigger house and starting from scratch with new constructions. Great. The second thing we found was finance. Right, as you know, we do our own in-house financing. Well, a lot of the co-living since the banks didn't understand it. Just like you know, it's become a newer niche. They were locking in at 8% You know, with our in-house financing, we were able to get deals down to five and a half percent. So right there, that helps with the rate, the long-term rate, the cash flow, and then management. Again, we've managed 1000s of properties, but we've really teamed up with PadSplit to help us manage these. This is what they specialize in, not only for attracting investors into their organization, but also for managing the properties and screening the tenants, getting them in, and their management system combined with our Build Right Finance Right has been a great combination.   Keith Weinhold  11:57   Pad Split, somewhat of a platform like Airbnb, but it's for co-living type properties. We'll talk more about pad split shortly. But yes, you are making these more efficient for co-living because right from the beginning, you are building them new construction specifically for co-living type of arrangements, rather than that six-bed, three-bath retrofit example I brought up near the beginning of our chat, but tell us more about who actually lives in co-living homes. What's the tenant profile like?   Jim Sheils  12:29   Yeah, let's go to the opposite end. When I first heard about this years ago, Keith, I said, "Oh my gosh, this is going to be really unqualified, seedy people not working, getting into trouble, and that's just not true. Again, a lot of these people are hardworking, but they can't afford the $1395 for a one bedroom apartment, but they can afford an $825 a month room. And a lot of these people might be working at a local warehouse, at a hospital. They're very localized, blue collar, or some in training jobs, you know, extra five $600 a month makes all the difference. Where it's not going out to rent, not even including utilities, it gives them a nice place to live. So it's really entry level replaceable income people, maybe single people that work at a nearby restaurant. But again, they're trying to save more money in their pocket and not spend it on that higher expense, which the competition would be a one-bedroom apartment.   Keith Weinhold  13:31   Now, the tenancy durations here are shorter than what you're going to have in long-term rentals, of course, because one part of what you do, Jim, is for years you have helped GRE followers with build-to-rent long-term rentals. The resident does get more. They're going to get a furnished room with utilities in co-living arrangements, and they're also probably going to have their utilities bundled as well. So tell us about the typical tenancy duration, and then what all the resident gets.   Jim Sheils  14:00   Yeah. So the residency is going to receive all the things that they have to be turnkey. That's the bed, the desk, the dresser, the closet, the bathroom. Everything is set up there for them, and so they just move in. They're not going to have to pay for electric or water or internet. All that stuff's going to be included. There's a washer dryer normally there. Sometimes they're coin operated, other times they're just included, but that way they're not trying to take out a utility in their name or set up internet. Also, for the investor, that's a good thing because you have one master lease. If you start to do a bunch of leases, well, you could get in trouble with the rules of your community, probably of having multiple leases on one property. It's not a multi-unit building, so you can't do that. So one master lease with one utility and all utilities included allows you to do that. This makes it very easy to move in and out. And the average Tennessee might only be six months, but again, the way that it's set up, what we like about PadSplit is they. Have a very good marketing and screening process, so they're constantly marketing and screening to people in the area, and then they have their own private community with investors. So we'll build it and finance it. Our people will move over to their community for management, so the owners can speak together, and then the tenants, though they're coming through pad split system, and so what I like about that is if they try to not treat the property well, well, they're not allowed back into any pad split properties anywhere within the city. So that's really good for co living protection. So we just see that turnkey approach, and you know you've been preaching turnkey real estate for a long time. Yeah, this is a turnkey room where they're able to move in, they're able to move out easily. They can transfer to another co-living property, and by doing that, you can get people in and out very quickly, which keeps the vacancies low, even with shorter tenancy.   Keith Weinhold  15:57   All right, so an average tenancy duration of about six months, and for you, the prospective investor, as you're trying to understand co-living, maybe think of it as like when you check into a hotel. Co-living residents stay longer than you stay in a hotel, but as far as all the utilities are in the room combined, all into one charge with your WiFi, your water, your electricity, your natural gas, and the room is already furnished. Just one all-inclusive payment, making it easier for that co-living tenant. And Jim, you've been talking about pad split, where you're partnering directly with them, and that's the management part of this. Of course, this is more management intensive than a long-term rental. So, tell us more about Pad Split and how it works. Sort of like an Airbnb platform, but yet for longer-term, affordable room rentals that has the property management infrastructure somewhat already built into Pad Split.   Jim Sheils  16:56   Yeah, I think your comparison to Airbnb is very accurate, Keith. But it's more of a community for both tenants and investors. Airbnb, you know, I have short-term rentals and I use Airbnb. But what I've seen with Padsplit, which I think they've done a good job with, it has a community feel sharing for the investors who are a part of the Padsplit community, and so there's extra communication on your management, how properties are going, what areas are doing that. You know, great source of communication on the ongoing management. But for the tenants too, they know right where to go to find these types of properties, and the tenants also have to join this community. So there's a joining where if you want to rent a pad split, they have to join the community. They have to go through all the approvals and such, so that's pretty much how it's set up. It's seen to be very effective. Again, what held me back from this probably for about two years, Keith, was the management piece. You know, we've always managed our properties. I said, well, this is not our niche. Just like we don't manage short-term rentals, we only rent manage long-term rentals, and so I really had to watch and survey a lot of the existing investors and how they were doing, but it's nice to see someone with a good managerial system for both the tenants and the investors to work together in.   Keith Weinhold  18:12   Does PadSplit handle everything like marketing and tenant screening and rent collection?   Jim Sheils  18:19   So what they handle is the way that pad split works, like here in Jacksonville, where's our main market where we've started building co living properties. Is they will work hand in hand like an Airbnb, but underneath them they'll have preferred property managers that they'll work hand in hand. It so they'll handle certain things of the marketing, the tenant screening, and then some more of the mechanical PM pieces, the property management pieces. There'll be an assigned property manager that the client will be working with, the investor will be working with, and the tenant will be working with. So it's kind of a two-tiered approach. Like right now, my I'll use Airbnb, but I have a property manager for my short-term rentals. Same thing here, but we actually have the preferred management list and approvals through Padsplit.   Keith Weinhold  19:06   Okay, so much of this is handled through Pad Split, but not everything. There's a second tier where they partner with local property managers in that area to, for example, help with tenant turns or help with maintenance requests.   Jim Sheils  19:20   Yep, absolutely, absolutely.   Keith Weinhold  19:23   Now, short-term rental hosts are used to Airbnb fees. What are Pad Split fees like?   Jim Sheils  19:29   There's a monthly fee for belonging to PadSplit to keep your property occupied in there, and I don't remember exactly what it is for the tenants, but I know that they keep it affordable. So overall, you're going to be paying a little bit less than an Airbnb property that you would for you know if you use Airbnb and use a short-term property manager, it can be quite expensive. We've seen the pad splits come in below that and still achieve the goals of a good short-term rental. You know we're seeing. I know we're getting into this later, but taking those fees out and doing quite a bit of contingency because of the move and move outs, we were still seeing like a seven bedroom, seven bath based around the same price of one of our single family homes. The cash flow can be about seven times higher. Wow, on that thing, so it it really does answer the call for higher cash flow by bringing that more affordable rental in.   Keith Weinhold  20:25   We're going to talk more about just how profitable it is for investors, and more about co living somewhat nascent model, a model that's actually been around for quite a while, but it's really gaining traction in making things more affordable for tenants and making things more profitable for investors, we're back with more shortly. I'm your host Keith Weinhold. This is Get Rich Education. 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 at flockhomes.com/gre. That's flockehomes.com/gre. 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Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream. Welcome back to Get Research Education. I'm your host Keith Weinhold. We're talking about co-living, specifically how smart it is to get this right from the beginning and build a new construction single-family home, or something that could be larger than a single-family home with seven bedrooms, seven bathrooms, or 14 and 14, or 20 and 20, and when we think about this gym physically, the footprint. What is parking like at a seven-bedroom home or larger? And did this entail any zoning hurdles?   Jim Sheils  23:15   A couple of things. It can entail zoning hurdles, so I would make sure, especially if you're doing new construction, you have someone who is a builder in the area that knows how to work with the county department or city department of how to get these approved. That's a very important things for how you submit them and how you make sure you're staying compliant. I think compliance is very important, obviously, for a rental and and parking. What we've seen right now is we look for about 50% So when I say 50% of bedrooms, so a seven-bedroom house, we're going to have three or four parking sites. There's a large majority of people that don't have a car, and that's why a lot of these are built near public transportation. But we still try to always serve, you know, based off of what we saw, the needs to stay in compliance, also working with Pad Split on lots of their designs. 50% of parking spots is usually good for the amount of bedrooms that you have.   Keith Weinhold  24:08   What about zoning hurdles? What had to be met there?   Jim Sheils  24:12   It's going to be a trial and error for a new builder or a person who's rehabbing a property. You know, we were not the first to come in and do this, we had watched Pad Split do it for two years and more with rehab properties, but just starting new construction, we knew Northeast Florida and what needs to be done very well, and so it's all in how you present it. Again, if you go in there with multiple utility boxes and such, you're going to be in quite an issue. So we found that we didn't have any issue with that. Also, we own some of these in some of our quad communities, so these were for larger. You know, you've worked with our quads before; they're yeah, you know, larger buildings. Well, we've been able to turn those into, for example, 20 bedroom, 20 baths, and so they operate like a small. Building, but they're in our quad communities where we wrote the HOA, and so they're allowed. And there's a plethora of parking there, so that keeps us in compliance. So really, compliance is knowing what your local city or county is going to require and knowing how to get that approved. That's very important.   Keith Weinhold  25:18   Okay, so these can thrive in sort of duplex and fourplex type neighborhoods. That's where they're being built, and you have a good bit of control over that with you having your own de facto HOA there as well. And Jim, I looked at several of the co-living properties and the footprints and the floor plans, and you know I was really encouraged to learn that really the cost for one of these brand new build seven bath seven bed co living properties really isn't that much more than a regular single family home designed for one family. So talk to us about the pricing.   Jim Sheils  25:57   Yeah, in Jacksonville, for example, seven bedroom seven baths, going between 325 and 345, which is very similar to single-family homes. And then our pricing for our quads, like a 2020, would be in the low nine hundreds, and that's the same as a quad as well. So we've been able to match our pricing to, and we have duplex ones. The 1414 would be mid five hundreds, which would be about the same as a Jacksonville duplex. So you know, I'm going off Jacksonville pricing right now, just as a sample. Sure. Okay.   Keith Weinhold  26:30   The model I looked at was seven bed, seven bath. It had two stories. The price was 325k, and it had 1800 66 square feet. Talk to us about just how profitable that it is for an investor on a pro forma income and expenses basis, Jim.   Jim Sheils  26:49   From what I've seen is if the average single family home was bringing in about $3,500, and that's a net on the year. So we're saying net, you know, cash flow on the year. Let's say it was about $3,500 on the year of a single family home that you bought. Well, your pad split property would be more closer to about 25,000 for the year. Wow! So that's a big jump. Now, with that comes a lot more rent collected, Keith. But also, and again, we can't do it here, but on the performa, there's more expenses because you have pad split. You have just very similar again. I think your analogy of a short-term rental for anyone who owns those very similar. There's more components. There's more pieces to it. There's more management. But what I did like about the performas that were first brought to us, large amount of rent collected, but also a large amount of contingency and expenses calculated in to get that number. So those are what I liked again seeing these is there's a lot of expense taken out to still reach that you know higher cash flow, but you know it's something that you will want to account for as well. You know what keeps people safe? Do your numbers. Do your numbers real. You know talk to people who have owned co-living properties, make sure that you're accounting for the extra expenses of tenants turning over more and and just more management involvement.   Keith Weinhold  28:10   Okay, so on that comparison where you likened it to a long-term rental versus this model, it's about $25,000 of annual cash flow, which is about $2,000 of monthly cash flow, and was that for the seven bed, seven bath model?   Jim Sheils  28:26   Yeah, and it would go up from there for the larger models.   Keith Weinhold  28:29   Yeah. Now, are tenants paying in advance by the week or by the month, or how does that work?   Jim Sheils  28:34   That's a key thing. They pay by the week, which I didn't realize how important that was for affordability and staying current on your rents, but from the things that I've been shown on working with Padsplit, they showed that when they charge people by the week, it's much more affordable. A lot of these people are paid weekly, so it really keeps them in good rhythm, and so they go on a weekly process.   Keith Weinhold  28:57   And is this just as conducive to out of area investors like long term turnkey rentals are?   Jim Sheils  29:03   Yeah. Well, that's why you always want to build right, finance right, manage right. You have lots of great connections. You can find a great builder that's willing to build them. You get good financing and then good management. So you don't have to live in the area, but you want to make sure someone is taking care of that for you. Again, I am going to say I know some people like to manage their own properties from afar. That can work with long-term rentals. I've done it with a few of mine when I left California and came here. From what I've seen, though, for co-living, the involvement-if you are from out of area-I would highly, highly recommend that you follow a manager process and work with a manager.   Keith Weinhold  29:43   Meaning that you would use one of PadSplits recommended managers.   Jim Sheils  29:47   I would use PadSplit with one of the preferred managers that we know well, and actually one of the managers that they highly recommend worked for our company for five years, and she's great. And for what we're. Doing, I can put a stamp of approval on it, and again, I think just seeing the involvement, these can work really well. But you want to have just like any time, but even more importantly, on these ones, you want to have management in place, especially if you're afar.   Keith Weinhold  30:14   Sure. So, what could the involvement realistically look like, Jim, if that out-of-state investor is using Pad Split and using Pad Split's recommended manager. What might that investor have to do remotely? And maybe that's just on an email basis.   Jim Sheils  30:32   You know, a lot can be done by email. Again, Keith, our goal-I don't think you should be spending more than two hours a month on managing your property manager. So again, just because there's more involvement, what I like is it doesn't mean there's more involvement for you. You're paying someone to set that up to handle it. You'll have to be involved somewhat. You are a property owner, but again, I don't see that you have to get involved with every little thing. In fact, I like to step back and not get too involved in my properties. I find like I just kind of go and stir things up. Let my manager do their thing. I'll manage certain big picture managerial things and in communication and overall just directionals. But you should not be getting overly involved. That's what their job is. You should not be doing that.   Keith Weinhold  31:18   Now I'm a turnkey real estate investor myself, as you know, with multiple properties in various states and places, and I'm used to getting monthly emails from my manager in those markets, and that is what my owner statement looks like: income and expenses and anything that's going on with the property. But that's just on a monthly basis. Are there weekly statements for co-living managers and owners?   Jim Sheils  31:42   Still rents are collected weekly, but statements still come out monthly.   Keith Weinhold  31:46   Because—   Jim Sheils  31:47   You want to, what you do is you collect all of the rents, but then again, it's easier to reconcile with all expenses and such that come out on a monthly basis. So it's done monthly.   Keith Weinhold  31:58   Are they writing common mistakes to avoid that are developing in the space, like an investor that gets in and buys their first co living property, and then they think, "Oh gosh, I wish I would have known about this thing sooner that I didn't think about because I'm only used to long term rentals. Any common mistakes to avoid pitfalls like that with co living, Jim?   Jim Sheils  32:17   Yeah, a couple of things. First, again, I can't stress enough that co living, from what I've seen and experienced, they do make money. But on the build it right, you know, going back to our build right, finance right, manage right. Just know if you're going to try one your on your own and you want to convert a home that's three bedrooms into a seven bedrooms, it is a much more tedious, involved process. Where again. Keith, like you said, are you getting things approved with the county or city? Just know that you really want to be in the know, and that's going to take some involvement. So that's my warning on if you're going to use co living and rehab your own property, financing wise. The thing that the mistakes I've seen made is people didn't see that they had higher interest rates, so you want to do that in your numbers. You know, working like with us, we're we have our own in-house financing. We're able to get it down to five and a half percent, but some of these co living banks are looking at it differently, and you might be more around 8% So you want to just do that in your numbers, and then the third pitfall, which we've you know hit on, and this is one of your real foundational rules: is management is key. And on these, where I see the biggest harm, once you get it built right and financed right, it could all fall apart if you don't have management in place. So I would just be you know some of you do it yourselfers. I have some things that I like to do it myself too, but on a more technical type of property like this, I highly encourage you get management in place to do their thing.   Keith Weinhold  33:47   For sure, it is easy to make the case that the management is even more important than the property itself. One of the things that I like about what you do there, Jim, is you're so forward-thinking and you are so into making the experience as turnkey for that investor as it can possibly be, and one of those things is as you rolled this out, you had a lot of the financing hurdles rolled out right with it. Tell us more about those in-house financing options you have that you touched on specifically for co-living, and especially I'm thinking through the lens of like that seven bed, seven bath, 325k co-living property that I saw.   Jim Sheils  34:28   Yeah, I mean it's nice with getting to be a builder of our size with a really good balance sheet. We're able to work with banks and buy large tranches of money or slate large tranches of money at cheaper rates than available to the public. You know, for our normal long-term rentals, we can get down to 3.75. That's for normal houses. You can't get that low because of risk factor. Banks still they like working with us, but we have gotten it down to five and a half percent. So right now, our most popular program is a 30-year fixed five and a half percent for co. You know, and again, a lot of people that have come to have said, "Holy moly, we were locked in at 8.15. We are getting it not as low as our lowest rate, but at a really good rate now. You know, below what's normally offered out there. So that's normal qualifying that you would have to do with any bank loan through us. And our counselors are happy to talk more about that. That's our most popular program for the co living for the seven seven. You're looking at a five and a half percent interest rate, 20 to 25% down. That is a super attractive rate. Is that something that the home builder helps participate in buying down discount points, or that the buyer is asked to do in order to get down to that rate? Working with us, well, it could go either way out in the marketplace, Keith. When working with us, we pay all of those required fees and points to get the lower rate. That's on us, not on the buyer.   Keith Weinhold  35:50   All right, we're talking about co-living properties today-a way to supercharge your cash flow. This is one of the greatest cash flow strategies in all of residential real estate today, Jim. Is there any last thing you have to tell us about co-living? Perhaps something that I did not think about asking you that I should have.   Jim Sheils  36:09   I think that's probably just what you and I talked about, like what Jim Rogers said. It's how not how I want things, but how things are. Yeah. And so for me, I held back for a few years, even when some of the founders right here in my own backyard have pad split to team up with, but I think that I couldn't picture Keith 10 years ago having a short term rental and like wait a minute I'm going to have them stay there every week and I'm going to have to furnish it you know is from the old guy doing long term rentals so I think for people just read up on it it's becoming a very interesting trend there's some very interesting statistics of why this is working, how management can be handled effectively, how to stay in compliance with your city. There's a lot of good information. This is a great starting point to our conversation today, but I don't think this niche should be ignored because the track record is already there and it is answering a need of both investors and tenants, which is pretty cool.   Keith Weinhold  37:04   It has been super intriguing to learn more about this. Jim represents one of our GRE Marketplace providers. It's been great having you back on the show.   Jim Sheils  37:13   Now, thanks for having me, Keith.   Keith Weinhold  37:20   Yeah, a really informative episode today. If you want to learn more about co-living properties, you can do so at gremarketplace.com/co-living. That's where you'll get the investment report, floor plans, financial projections, see the exact pricing, and learn more about pad split there. I've been around this space for a while, and I know investors that own co-living properties. Some other best practices that I've learned about are that you want to have limited visitation or a zero visitation policy for your co-living tenants. As we touched on, these properties can really make money, but don't try to manage them remotely. Make the house rules unusually specific. Address guests, quiet hours, smoking, drugs, pets, parking, food storage, shared bathrooms, thermostat settings, and cleaning and abandoned belongings, and enforce the rules consistently and quickly. Because one disruptive resident can cause several good residents to leave, and in co-living, retaining household harmony that is often more valuable than retaining one problem tenant. Provide professional common area cleaning. Don't expect seven or 14 unrelated adults to collectively develop some passion for wiping down the stove. That is not going to happen. Shared areas should be cleaned at least weekly. Install bedroom locks and then smart exterior locks. Give each resident private space, eliminate shared keys, and immediately revoke keys after move out. Cameras they should generally be limited to lawful exterior and entry locations, not in private spaces. Provide excellent internet in co-living, unreliable WiFi. That is practically a habitability crisis. Use business-grade equipment, strong coverage, and have a backup plan for internet. And as an investor, it's wise for you to maintain a larger repair and turnover reserve than you would for a normal long-term rental. Keep these things in mind, and it can keep seven times the cash flow from becoming seven times the headache. Again, you can get the investment report, floor plans for the very properties we discussed today, financial projections, pricing, and get more information about pad split all at. gremarketplace.com/co-living. That's gremarketplace.com/coliving. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  40:15   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  40:43   The preceding program was brought to you by your home for wealth building getricheduceducation.com

This episode was too good to not share here with my audience! Also give What's working in Direct Selling a listen https://podcasts.apple.com/us/podcast/whats-working-in-direct-selling-with-rob-sperry/id1706513901 

Recorded live at Identiverse 2026 in Las Vegas, Jeff sits down with Decoded co-host Sean O'Dell for a wide-ranging state of the union on continuous identity, shared signals, and the identity questions AI keeps raising. Sean shares what he is hearing on the ground about the upcoming transaction tokens spec, why continuous identity has moved from concept to mainstream adoption, and how shared signals are expanding into commerce. The conversation shifts to AI: the real cost of securing it, why model provenance matters, and the murky question of who is on the hook when an AI agent makes an expensive or harmful decision on your behalf. They debate companion agents, consent versus power of attorney, and whether the identity industry even owns this problem. Sean closes with a simple piece of advice for anyone feeling overwhelmed by AI right now.Connect with Sean: https://www.linkedin.com/in/seanodentity/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 http://idacpodcast.comTimestamps:00:00 Intro and a Decoded update00:44 Transaction tokens spec preview01:51 State of the union on continuous identity03:39 The questions organizations are asking04:34 Is it still all about the data05:07 Shared signals framework moving into commerce06:40 Is AI a fad at Identiverse this year07:11 The real cost of securing AI08:00 Model provenance and indemnity09:39 IAM for AI versus AI for IAM10:18 Trusting agents to act without oversight14:51 Assigning authority to the who and the what16:13 The cruise booking example and who is on the hook20:16 Companion agents, consent, and power of attorney23:00 Does the identity industry own this problem25:00 Relationship and intent as the real issue28:03 Could an insurance market emerge for agentic AI29:18 An access review scenario gone wrong30:41 Small specialized language models for identity tasks32:11 Favorite hallway conversations at Identiverse36:05 Wrap up and words of wisdom on AI FOMOKeywords: IDAC, Identity at the Center, Jeff Steadman, Jim McDonald, Sean O'Dell, Decoded, Identiverse 2026, continuous identity, transaction tokens, shared signals framework, agentic AI, AI security, model provenance, IAM, digital identity, identity and access management

This week - Kevin and Sam are joined by GamingTrend's David Burdette to preview Gears of War E-Day multiplayer suite. Halo Campaign Evolved is also officially here... we have thoughts AND PlayStation has announced the God of War: Laufey release date, putting it squarely up against Fable. Time Stamps:0:00 Intro & Whatcha Playing7:30 Halo Campaign Evolved Discussion27:00 The Incident at Galley House 29:00 Marvel Tokon Fighting Souls40:00 Gears of War E-Day Multiplayer Preview1:01:00 God of War: Laufey Release Date - Is Fable in trouble?1:17:00 Xbox's Bad Financials and Asha Sharma's Plan for SuccessSupport Us on Patreon: https://www.patreon.com/SaveTheGameMediaFollow Us:STGM: https://bsky.app/profile/savethegamemedia.bsky.socialKevin: https://bsky.app/profile/themuff1nmon.bsky.socialSam: https://bsky.app/profile/samheaney.bsky.socialJoin our Discord: https://discord.gg/89rMmfzmqwAll music created by the amazing Purple Monkey: https://linktr.ee/pme.jib#Gears #GearsofWar #Preview #Laufey #GodofWar #Fable #Halo #Xbox #Gaming

Shared leads promise fast growth but deliver low close rates and price wars. Discover why buying shared leads backfires for local services and the practical steps to build owned lead channels that compound value over time. Profit Acuity City: Pittsburgh Address: 239 Fourth Ave, Ste 1401 #8511 Website: https://app.profitacuity.com Phone: +1 877 624 1229

THE BRIDGE ⚡️ The ultimate sonic fusion between dark energy and relentless electronic power. Produced, mixed, and mastered by DJ Scientifik. Engineered to blow up dancefloors.

MJ and Jackie are back this week with LPN's resident NOT LIKE THE OTHER NERD BOYS, Jake Young from "Nerd Of Mouth", and he's here to weight in on the just passed San Diego Comic-Con that was basically ran by Marvel. Including all the Ryan's anyone could handle and a Canadian tuxedo that's a lil too south of the border to be considered Canadian, if ya know what we mean. Ryan Gosling is announced for "Ghost Rider", while Ryan Reynolds was "sneakin'" 'round dressed as JeanPool and crashin' the Avengers panel. MJ details their logistical mistake of a "Les Misérables Arena Concert Spectacular at Radio City Music Hall" weekend! There's a new doll on the market and it's got all the SACKS and FLUIDS your child CRAVES! And for whatever reason, they're trying to revive Johnny Depp's husk of a career with an unnecessary Scrooge backstory. THE MUPPETS DID IT BETTER. Then it's onto THE LIST of "Verrrrrrry Fascinating Music Facts That Even Diehard Fans Might Not Know!", followed by BLINDZ, and then it's onto a Jackie's Snackie's @ 1:08:38 that's gotta be SHARED, and an MJ's Minute Munchies @ 1:14:22 that (hopefully) doesn't end in vomit this time. And a special Jakey's  Slakeys Numba 5 @ 1:23:09 til @ 1:28:46, PLUS SO MUCH MORE!!! Want even more Page 7? Support us on Patreon! Patreon.com/Page7Podcast Subscribe to SiriusXM Podcasts+ to listen to new episodes of Page 7 ad-free.Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

President Trump says two developments over the past 24 hours prove why accountability and national security remain at the center of his agenda. First, Dr. Anthony Fauci appeared before Congress in a highly anticipated public hearing that quickly turned confrontational. Fauci invoked the Fifth Amendment repeatedly while facing questions about his presidential pardon, his private journals, and his handling of the COVID pandemic. Senators sharply criticized his refusal to answer, with several arguing that the American people deserve transparency after years of lockdowns, mandates, and conflicting public health guidance.The hearing grew even more intense as lawmakers accused Fauci of using federal employees and government resources to help secure grants that generated millions of dollars while he served in public office. Senator Rand Paul announced he is moving forward with a referral to the Department of Justice and plans to pursue contempt proceedings, arguing that Fauci should not be able to avoid answering questions after receiving immunity. The hearing marked one of Fauci's toughest appearances before Congress and is expected to fuel further investigations.Sponsor:My PillowWww.MyPillow.com/johnSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Terms of Service with Future Caucus Two Minnesota lawmakers, one Democrat and one Republican, on what public service costs and what it took to keep going after tragedy. Terms of Service is a new limited series from Future Caucus and TP&R, hosted by Future Caucus CEO Layla Zaidane. People run for state legislature to serve their communities, then find the fine print. Recorded at Future Summit, this first conversation brings together two young Minnesota representatives, Andy Smith (D) and Isaac Schultz (R), on political violence, pay, staffing, and what it takes not just to serve but to stay. This series is a partnership between Scan Media and Future Caucus. Executive Producers: Future Caucus and Layla Zaidane. Calls to Action ✅ Leave a rating and review: lovethepodcast.com/politicsandreligion ✅ Subscribe on Substack: coreysnathan.substack.com ✅ Watch and subscribe on YouTube: youtube.com/@politicsandreligion Key Takeaways A House split 67 to 67. An evenly divided chamber meant building trust across the aisle before any bill had a chance. Relationships came first, legislation second. Coming together after political violence. The assassination of Speaker Melissa Hortman and her husband Mark, and the wounding of a colleague, changed how these two think about safety and each other. Shared grief pulled them closer across party lines. The fine print of serving. Pay that runs about $10,000 below the average worker, little to no staff, and months living out of a hotel away from family. Both still call it worth doing. About Our Guests Rep. Andy Smith (D) represents Rochester, Minnesota, is in his second term, and runs a used bookstore with his wife. Rep. Isaac Schultz (R) represents a rural district, is in his second term, and works as an auctioneer and small business owner. Host Layla Zaidane is president and CEO of Future Caucus. Links and Resources Watch on YouTube: youtube.com/watch?v=Nkbhx-o4FY0 Future Caucus: futurecaucus.org Connect with us Substack: coreysnathan.substack.com YouTube: youtube.com/@politicsandreligion Instagram, Threads, Bluesky, X, Facebook, TikTok, LinkedIn: @coreysnathan Partners Proud to be part of The Democracy Group, a network of podcasts examining what's broken in our democracy and how we can work together to fix it. Clarity, charity, and conviction can live in the same room. Yes, really.

Earnest ‘EJ' Christian and his wife Lauren debate different categories of foods in a game of ‘THIS OR THAT'.Follow EJ and/or the Earnestly Speaking Podcast on Social Media YOUTUBEhttp://youtube.com/earnspeakpodX (Formerly Twitter)http://x.com/@EJChristian7http://x.com/@EarnSpeakPod TIKTOKhttp://www.tiktok.com/@earnspeakpodINSTAGRAM: http://instagram.com/earnspeakpodhttp://instagram.com/earnest_christianRate and review the Earnestly Speaking Podcast on Apple Podcasts, Spotify or any podcast distributor 

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Terms of Service with Future Caucus Two Minnesota lawmakers, one Democrat and one Republican, on what public service costs and what it took to keep going after tragedy. Terms of Service is a new limited series from Future Caucus and TP&R, hosted by Future Caucus CEO Layla Zaidane. People run for state legislature to serve their communities, then find the fine print. Recorded at Future Summit, this first conversation brings together two young Minnesota representatives, Andy Smith (D) and Isaac Schultz (R), on political violence, pay, staffing, and what it takes not just to serve but to stay. This series is a partnership between Scan Media and Future Caucus. Executive Producers: Future Caucus and Layla Zaidane. Calls to Action ✅ Leave a rating and review: lovethepodcast.com/politicsandreligion ✅ Subscribe on Substack: coreysnathan.substack.com ✅ Watch and subscribe on YouTube: youtube.com/@politicsandreligion Key Takeaways A House split 67 to 67. An evenly divided chamber meant building trust across the aisle before any bill had a chance. Relationships came first, legislation second. Coming together after political violence. The assassination of Speaker Melissa Hortman and her husband Mark, and the wounding of a colleague, changed how these two think about safety and each other. Shared grief pulled them closer across party lines. The fine print of serving. Pay that runs about $10,000 below the average worker, little to no staff, and months living out of a hotel away from family. Both still call it worth doing. About Our Guests Rep. Andy Smith (D) represents Rochester, Minnesota, is in his second term, and runs a used bookstore with his wife. Rep. Isaac Schultz (R) represents a rural district, is in his second term, and works as an auctioneer and small business owner. Host Layla Zaidane is president and CEO of Future Caucus. Links and Resources Watch on YouTube: youtube.com/watch?v=Nkbhx-o4FY0 Future Caucus: futurecaucus.org Connect with us Substack: coreysnathan.substack.com YouTube: youtube.com/@politicsandreligion Instagram, Threads, Bluesky, X, Facebook, TikTok, LinkedIn: @coreysnathan Partners Proud to be part of The Democracy Group, a network of podcasts examining what's broken in our democracy and how we can work together to fix it. Clarity, charity, and conviction can live in the same room. Yes, really.

For centuries, Filipino lifeways were presented to outsiders through the distorted lens of colonization—and the oppression, exploitation, and denigration suffered by Filipino ancestors are well-documented. In his work, psychologist and author Carl Lorenz Cervantes draws from Filipino folklore, language, and culture to reorient toward an Indigenous worldview: one that rejects being seen as a passive object in history. * In this episode Carl and CIIS faculty Niralli D'Costa explore Indigenous Filipino worldviews for embodied well-being. Drawing from his latest book, Sikodiwa, Carl shares how to uplift Indigenized Filipino ways of knowing and offers a timely and inspired path toward collective consciousness, cultural authenticity, and embodied well-being. * This episode was recorded during a live online event on April 2nd 2026. You can also watch it on the CIIS Public Programs YouTube channel. A transcript is available at ciis.edu/podcast. To find out more about CIIS and public programs like this one, visit our website ciis.edu and connect with us on Instagram @ciispubprograms. * Some podcast apps may not display links from our show notes properly, so we have included a list of links below. * We hope that each episode of our podcast provides opportunities for growth, and that our listeners will use them as a starting point for further introspection. Many of the topics discussed on our podcast have the potential to bring up feelings and emotional responses. If you or someone you know is in need of mental health care and support, here are some resources to find immediate help and future healing: * -Visit 988lifeline.org or text, call, or chat with The National Suicide Prevention Lifeline by dialing 988 from anywhere in the U.S. to be connected immediately with a trained counselor. Please note that 988 staff are required to take all action necessary to secure the safety of a caller and initiate emergency response with or without the caller's consent if they are unwilling or unable to take action on their own behalf. * -Visit thrivelifeline.org or text “THRIVE” to begin a conversation with a THRIVE Lifeline crisis responder 24/7/365, from anywhere: +1.313.662.8209. This confidential text line is available for individuals 18+ and is staffed by people in STEMM with marginalized identities. * -Visit translifeline.org or call (877) 565-8860 in the U.S. or (877) 330-6366 in Canada to learn more and contact Trans Lifeline, who provides trans peer support divested from police. * -Visit ciis.edu/ciis-in-the-world/counseling-clinics to learn more and schedule counseling sessions at one of our centers. * -Find information about additional global helplines at befrienders.org. * LINKS * Podcast Transcripts: https://www.ciis.edu/podcast * California Institute of Integral Studies (CIIS) Website: https://www.ciis.edu/ * CIIS Public Programs YouTube Channel: https://www.youtube.com/c/ciispublicprograms * CIIS Public Programs Instagram: https://www.instagram.com/ciispubprograms/ * Mental Health Care and Support Resources: https://988lifeline.org/ https://thrivelifeline.org/ https://translifeline.org/ https://www.ciis.edu/ciis-in-the-world/counseling-clinics https://befrienders.org/

He Shared His Heart With Her While I Waited at HomeNEW PODCAST ALERT!

How do the best marketers actually integrate brand and performance – not just in theory, but in org design, planning and measurement? Prophet's Kate Price and Monica El Hassan join WARC's Ann Marie Kerwin to discuss strategies for a more integrated approach, based on WARC's marketing effectiveness research The Multiplier Playbook. Guests: Kate Price, Partner - Marketing Transformation, Prophet Monica El-Hassan, Partner - Media, Prophet Chapters: 00:00 – Intro: The Multiplier Playbook on The WARC Podcast 01:49 – Why brand and performance marketing teams are siloed 03:18 – Cultural divides: traditional brand vs digital performance 04:28 – Specialist skills, loss of generalists and pressure on CMOs 07:15 – Shared language: bridging brand, demand and media teams 09:58 – Customer-centric marketing: changing behaviour to drive growth 14:30 – Integrated planning: how overperforming marketers organise 19:45 – Budget rebalancing: brand investment vs performance metrics 24:19 – B2B SaaS case: US Open sponsorship as a brand–demand engine 31:23 – Shared KPIs: proving commercial impact of brand marketing 38:34 – Org design: generalists, team structures and planning rhythms 40:21 – Key takeaways for marketing leaders For 40 years, WARC has been providing the marketing industry with rigorous, unbiased evidence and expert effectiveness guidance. The WARC Podcast publishes a new episode every Tuesday and Thursday. Subscribe to The WARC Podcast here: https://www.warc.com/en/warc-podcastsSign up to daily WARC News for free: https://www.warc.com/en/latestBook a demo: https://www.warc.com/en/subscribe

Contractors are abandoning Angi's $1,500 monthly bills and shared leads for a one-time app investment. Discover why quote-first beats form-first, how exclusive leads convert at double the rate, and what this shift means for the lead-generation industry. Leadappz City: Waupaca Address: 804 7th Street Website: https://leadappz.com Phone: +1 715 281 0793 Email: Bradleyjschafer@gmail.com

They are getting married and she wonders if they need to have a shared FB page. He is refusing. What is your stance on shared social pages?See omnystudio.com/listener for privacy information.

Every Wednesday, Tony gives his perspective on listeners' dilemmas.

World leaders will be in Washington on Tuesday for the funeral of Sen. Lindsey Graham, but some are also expected to meet with President Trump. CBS News national security analyst Aaron MacLean explains what to expect.Bryan Kohberger, the man sentenced for the 2022 murders of four University of Idaho students, pleaded guilty last year as part of a deal. Now, he wants to take back his guilty plea and go to trial. Jericka Duncan reports.Legendary actor William Shatner and his daughter Melanie Shatner Gretsch are opening up about their battles with stage 4 cancer nearly at the same time as each other. Both are now cancer-free and share how they helped each other through the challenging time.Seventy percent of men say their testosterone levels are important to them and 49% feel it is a measure of their masculinity, according to a survey from "Men's Health." CBS News chief medical correspondent Dr. Jon LaPook talks about medical recommendations for testosterone screening while "Men's Health" editorial director Richard Dorment addresses the changing conversations about testosterone.One year ago, Leah Lendel survived a shark attack in Florida and endured a six-hour surgery to reattach her right hand. She tells "CBS Mornings" why revisiting the site of her attack was healing, how she is conquering her fears and is surprised by Paralympian and fellow shark attack survivor Ali Truwit.

What happens when eleven widows spend a weekend together?There are tears. There is laughter. There are stories only another widow could truly understand. And somewhere in the middle of it all, healing begins.In this special episode of Widowed 2 Soon, Michelle Bader Ebersole sits down with several women during a Widow Goals retreat in Lincoln City, Oregon, to talk about the incredible power of widow community. Together, they share honest conversations about grief, rebuilding life after loss, and why no widow should have to walk this journey alone.Whether you're newly widowed or years into your journey, this episode is a reminder that hope is real—and healing often begins when someone simply says, "Me too."Why widow community can be one of the greatest gifts after loss.How friendship helps replace isolation with hope.The impact retreats and support groups can have on healing.Why laughter isn't a sign you've forgotten your spouse—it's a sign you're living again.How faith and shared experiences create lifelong connections.Encouragement for widows who feel alone or aren't sure where to turn next.If you've ever wondered whether community really makes a difference after the loss of a spouse, this episode is your answer. These women prove that while grief changes us forever, it doesn't get the final word. Healing is possible. Friendship is powerful. And there is still so much life to be lived!Book a free grief coaching consultation call with Michelle ⁠HERE⁠Join the Widow Goals Online Community and get Michelle's Widow Goals Course use code podcast for a free monthClick Here to Register for the Widow Goals Fall RetreatClick HERE to learn about the Widow Goals Support Program Click HERE to order Michelle's book Widow Goals: Steps to Finding Peace When You Lose Your SpouseClick HERE to order the Widow Goals WorkbookClick HERE to order the Widow Goals Workbook Leader GuideClick HERE to apply to be a Widow Goals Group LeaderFollow Hayley's Parent Loss Goals Ministry Here on IG⁠⁠Here on FB⁠Click here to be sent an email on the anniversary of your spouse's passing, wedding anniversary, and more Click HERE to review Widow Goals on AmazonBook Michelle as a speakerGo here to see a list of all the areas we have Widow Goals Groups⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click Here to apply to be a guest on Widowed 2 Soon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Michelle on TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow me on Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/widowed2soon_/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/widowgoals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See my videos on Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our YouTube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect with Early Riders — https://www.earlyriders.com/contactConnect with Onramp — https://onrampbitcoin.com/contact-us/Presented collaboratively by Early Riders & Onramp Media…Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.This week Michael, Liam, and Brian open on the open-versus-closed AI debate: Jensen Huang's first-ever tweet and NVIDIA's letter backing open models, the new Security Alliance consortium, the researchers quietly wishing they could slow it all down, and NVIDIA's reported $250 billion financing for OpenAI's Ohio data center. They dig into Jack Dorsey's Buzz, the open-source workspace built on the same Noster and Bitcoin primitives as BitChat, and what shared compute and censorship-resistant protocols mean as BitChat downloads spike 32-fold in India. The guys run through a stack of payments deals: Stripe's talks to buy OpenRouter near $10 billion, Cursor, Ramp, and Meta building model routers, and Natural Pay's $30 million Series A for agentic payments. They get into their favorite topic, the DATs: Mallers exiting 21 Capital as Tether's XXI merger collapses, Strategy's first Stretch buyback, and the new Bitcoin security consortium taking on quantum. They close on Augustus's $180 million raise, Worldcoin, and Travis Kalanick's return with Adam.Chapters00:00 - Introduction and overview of AI and open models02:10 - Jensen Huang's first tweet on open models and global cooperation09:08 - Discussion on slowing AI development and game theory18:03 - Jack Dorsey's Buzz: Open source workspace and primitives24:55 - Shared compute, decentralized protocols, and open standards35:02 - Regulatory landscape and geopolitical implications45:11 - Impacts on privacy, security, and censorship resistance54:03 - Recent deals and industry movements in AI and crypto01:02:08 - The future of Bitcoin, open protocols, and decentralized dataIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly: https://www.earlyriders.com/researchKeep up with Michael:https://x.com/MTangumaKeep up with Liam:https://x.com/Lnelson_21Keep up with Brian:https://x.com/BackslashBTC

What can a 173-mile pilgrimage teach a family about faith, resilience, and life together? Dave and Jll McLain join Pastor Nate on Together 4 Good to share how they walked the Camino de Santiago from Porto, Portugal, to Santiago de Compostela, Spain, with their four children. Along the way, aching feet, welcoming villages, fellow pilgrims, and small acts of generosity open into a conversation about family sabbaticals, resilience, faith milestones, and why shared challenges can make strangers feel like family.In This Episode•    The Camino's Christian roots and its modern life as a global pilgrimage route•    Why the McLains chose the Portuguese Way and walked 280 kilometers in 13 consecutive days•    How physical challenge creates resilience, perspective, and lasting family memories•    The scallop shell, pilgrim passport, and rituals that build connection along the way•    How hospitality and generosity let entire communities participate in a pilgrimageKey Takeaways•    Hard things become part of our toolbox. Completing a difficult journey gives us evidence that we can face the next challenge.•    Pilgrimage is communal. The marked path, shared symbols, fellow travelers, and hospitality of local communities remind us that faith is never practiced alone.•    Milestones matter. Camino stamps and certificates echo the faith markers—baptism, confirmation, a first Bible—that help us remember where we have been.•    Travel and time together are intentional investments. Encountering other cultures can nurture empathy while meaningful family experiences strengthen relationships into adulthood.Chapters00:00  Coming up — A Christian pilgrimage through Portugal and Spain—and what it reveals about faith and parenting.01:22  What is the Camino? — Dave traces the tradition of the Camino de Santiago and its modern revival.04:40  Following the Way — Jll explains the route markers, pilgrim infrastructure, and villages that welcome walkers.10:55  A family rhythm of sabbatical — Dave shares how extended family adventures grew from a commitment to work to live.14:42  Why this journey, why now — Their oldest daughter's idea becomes an invitation for the whole family.16:45  Planning lightly — Experienced travelers, last-minute gear, and a willingness to figure things out together.17:52  Thirteen days and 173 miles — The physical reality of walking about 14 miles a day—and when it finally began to feel possible.20:08  We can do hard things — Challenge, shared struggle, and the experiences that equip children for real life.22:00  Going through it — Why pilgrimage is not a resort experience, and how difficult moments can reshape us.24:44  The scallop shell — A visible sign of belonging creates camaraderie and practical care among pilgrims.27:26  Arriving in Santiago — The cathedral square, pilgrim's Mass, passport stamps, and certificates of completion.31:11  Generosity along the path — A box of plums becomes a picture of hospitality offered without recognition or thanks.32:39  A microcosm of faith — The Camino reflects the highs, lows, community, and milestones of a life of faith.33:43  Travel and empathy — Shared meals and cross-cultural experiences help form curiosity, tolerance, and love.34:58  Choosing time with adult children — Dave and Jll reflect on the privilege, sacrifice, and joy of saying yes to time together.

Live from the IDAC booth at Identiverse 2026, Jeff and Jim sit down with Pam Dingle, Director of Identity Standards at Microsoft, to unpack agentic identity. Pam breaks down assistive versus autonomous agents, walks through where standards like SPIFFE and OAuth hold up, and explains the difference between delegation, impersonation, and partition. The conversation also covers credential discovery risk, shared signals and revocation, what enterprises should prioritize now, and the value of hallway conversations at Identiverse.Connect with Pam: https://www.linkedin.com/in/pameladingle/OAuth Actor Profile for Delegation: https://www.ietf.org/archive/id/draft-mcguinness-oauth-actor-profile-00.htmlConnect 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 http://idacpodcast.comTimestamps:00:00 Intro and Identiverse 2026 vibes04:01 Defining agentic identity07:06 Has the earth really shifted11:38 An old problem thats been bejeweled15:13 From Nulli Secundus to Microsoft16:00 How standards are holding up19:27 Client ID metadata and just in time trust21:41 Shared signals and the revocation problem24:43 Deploying agentic identity at scale28:11 Registries at scale29:04 Delegation authorization and attenuation32:33 Delegation vs impersonation vs partition36:03 The one thing you can fix right now37:56 Favorite hallway conversation42:29 The solar system of hallway conversations45:51 Remembering Kim Cameron48:00 New voices to watch52:08 Wrap up and thank youKeywords: IDAC, Identity at the Center, Jeff Steadman, Jim McDonald, Pam Dingle, Pamela Dingle, Microsoft, Identiverse 2026, agentic identity, agentic AI, non-human identity, delegation, impersonation, SPIFFE, OAuth, identity standards, IAM, digital identity, workload identity

In this episode, Filipe Santos (@chop_safil), CEO of Chop Enterprises, shares how he went from tattoo artist and union carpenter to building a multi-location salon company with nine salons across New York, New Jersey, and Miami.Filipe breaks down the growth, leadership, and execution behind scaling from one salon to nine, including how he built leaders, created systems, recruited talent, used marketing, acquired salons, negotiated owner financing, and developed a shared services platform to support growth.This conversation is for salon owners, beauty pros, and hairpreneurs who know that talent is only one part of building a real business.Follow/subscribe to be the first to know when new episodes are released. Like what you hear? Leave us a review!Key Takeaways:

She Hid Her Affair Behind Charity Work and Our Shared Bank AccountBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

This week, Kevin is joined by The Expansion Pass to chat about Xbox expanding their backwards compatibility program to PC - taking one more step towards a universal library. This nostalgia is perfectly timed with a remake of Halo launching - so lets talk all about it. Time Stamps:0:00 Intro & Whatcha Playing10:00 Halo Campaign Evolved & Splatoon Raiders Impressions 45:00 Xbox Backwards Compatibility on PC58:00 Xbox Ad Streaming TierSupport Us on Patreon: https://www.patreon.com/SaveTheGameMediaFollow Us:STGM: https://bsky.app/profile/savethegamemedia.bsky.socialKevin: https://bsky.app/profile/themuff1nmon.bsky.socialSam: https://bsky.app/profile/samheaney.bsky.socialJoin our Discord: https://discord.gg/89rMmfzmqwAll music created by the amazing Purple Monkey: https://linktr.ee/pme.jib#Xbox #Halo #teeto #Nintendo

Welcome back to another episode of Man vs Marriage. I'm Quincy Moran, aka the Q-DawG, coming to you live from the Moran Family Studio.Today I am honored to sit down with a man who has spent more than four decades helping people grow in their relationships and personal development. Dr. Roger K. Allen is a psychologist, bestselling author, and relationship educator. In 1980 he founded and served as president of the Human Development Institute, where he provided thousands of hours of individual, marriage, and family therapy. He has taught hundreds of thousands of people through seminars, workshops, and online programs and has certified more than 1,500 coaches and consultants worldwide in his methodologies.Roger is the author of several powerful books, including The Hero's Choice, Living from the Inside Out, Raising Responsible Emotionally Mature Children, Six Habits of a Healthy Marriage, and How to Build Trust, Connection, and Lasting Love.Check out his work! : https://www.rogerkallen.com/meet-roger/#journeyIn this conversation we talk about:What 50 years of marriage has taught him about personal and relational maturationWhy marriage is one of the most powerful contexts for becoming more Christ-likeThe journey of “becoming” and how we grow through the hard momentsHow to handle conflict without defensivenessLearning to pause, own your emotions, and create emotional safetyThe difference between reacting and respondingPractical tools for creating shared understanding instead of winning the argumentBringing grace to yourself and your spouse when you mess upRoger shares real, vulnerable stories from his own marriage — including moments at the dinner table, phone scrolling, emotional differences between partners, and how he has learned to take ownership instead of defending himself.This is a rich, practical, and deeply encouraging episode for any man who wants to lead better at home and grow in emotional maturity.Key TakeawaysMarriage is one of the greatest classrooms for personal growth, humility, and becoming more Christ-like.Lasting love is not luck — it is built through intentional daily choices rooted in awareness, kindness, and responsibility.Emotional maturity starts with managing yourself first (your feelings, your reactions, your defensiveness) before trying to communicate better.When you get triggered, pause. Own what you are feeling. Then come back and create a safe space for your spouse to share.You do not have to be perfect. You can ask for a “do-over.”Shared understanding matters more than being right.Bring grace to yourself and to your spouse.Your Call to ActionThis week, practice pausing the next time you feel defensive. Name what you are feeling. Then invite your spouse to share without interrupting or defending.Tag a brother who needs this conversation and share the episode with him.Men Helping Men. Hope Starts Here. Legacy is the long game.Contact & LinksQuincy Moran Email: quincy@mvsmpodcast.com Website: https://quincymoran.comFor more from Dr. Roger K. Allen, search for his books: The Hero's Choice • Living from the Inside Out • Six Habits of a Healthy Marriage • How to Build Trust, Connection, and Lasting LoveHashtags #ManVsMarriage #DrRogerAllen #HealthyMarriage #EmotionalMaturity #LegacyRoadmap #MenHelpingMen

I Thought We Shared Everything Until Her Secret Life With Him EmergedWant more stories of betrayal and deception? Then don't miss DOUBLE LIFE - where trusted people are discovered living secret lives no one saw coming.Become a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

Today we're going to talk about photo management. And this is something that's just driven me crazy for years, and I'm finally getting a handle on it after all these years. I've got tens of thousands of photos to deal with and videos and everything. So I decided to dig in a little bit more and learn how to do it myself, but I'm getting a better handle over it than the past month or so. Launch Team - https://www.ScrewTheCommute.com/launchteam Please watch this short trailer to the end and leave a comment - https://www.facebook.com/AmericanEntrepreneurFilm/videos/558575401181955 AI Hacks - https://www.ScrewTheCommute.com/aihacks AI Hacks Video Masterclass - https://www.youtube.com/watch?v=miJed0mCFHQ Professional Speaking Masterclass - https://www.youtube.com/watch?v=hFLR1MLTnf0 Email Marketing Masterclass - https://youtu.be/_wlvw073xP0 How Podcasting Got Me Invited to the White House - https://www.screwthecommute.com/pod Screw The Commute Podcast Show Notes Episode 1150 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Photo Management For Beginners 02:51 Using the Photos app and searching for photos 07:30 Types of Collections for your photos 11:36 Recents and Shared albums Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Software & SaaS - https://screwthecommute.com/1149/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/

You think you know your family… until the day you find out your mother's been taken — and the fingerprints on the crime belong to someone with shared blood.”Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Earnest ‘EJ' Christian and Lauren Christian discuss the following topics:EJ's really bad allergiesScrubs Season 2 Cast RevealRyan Reynolds confirms new Deadpool movieSpider-Man: Brand New Day is out next weekWho Has Better Taste In Music?THIS OR THAT: The Daily Grind (Lifestyles Edition)Keep 4/Cut 6: Classic Rock BandsKeep 4/Cut 6: Michael Jackson songsFive movies you'd bring with you to a desert islandFollow EJ and/or the Earnestly Speaking Podcast on Social Media YOUTUBEhttp://youtube.com/earnspeakpodX (Formerly Twitter)http://x.com/@EJChristian7http://x.com/@EarnSpeakPod TIKTOKhttp://www.tiktok.com/@earnspeakpodINSTAGRAM: http://instagram.com/earnspeakpodhttp://instagram.com/earnest_christianRate and review the Earnestly Speaking Podcast on Apple Podcasts, Spotify or any podcast distributor 

You think you know your family… until the day you find out your mother's been taken — and the fingerprints on the crime belong to someone with shared blood.”Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode of the Uploft Interior Design Podcast, I catch you up on what's happening in my world, from unpredictable summer weather and vacation plans to the surprising fact that my design mailbag is completely empty, making it the perfect time to send me your decorating questions. I take you behind the scenes of several client projects, including the challenge of designing an open-concept home with multiple coordinating rugs, working within a tight budget, solving tricky rental restrictions, and balancing client preferences with practical design solutions. Along the way, I share some of my favorite design tips—like why you should never use the same rug in different sizes in adjoining spaces and why I only push clients three times before fully embracing their decisions. Finally, I switch gears to share my thoughts on Netflix's The Ultimatum, discussing what I think the show gets wrong, the moments that felt overly produced, and why some situations crossed the line from entertaining reality TV into genuinely concerning territory. Overall, it's a fun mix of real-life interior design challenges, practical decorating advice, and a little pop culture commentary. Timestamps: 00:00 – Summer update, vacation plans & an empty design mailbag. 06:00 – Designing an open-concept home with coordinating rugs and why matching rugs are a mistake. 15:15 – Solving rental design challenges with strict landlord restrictions and shared bedrooms. 22:00 – My "push three times" rule for working with design clients. 24:30 – My thoughts on Netflix's The Ultimatum and the season's biggest controversy. 33:30 – Why one storyline crossed the line & my final reality TV takeaways. Don't forget to subscribe for more design tips and inspiration! Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Uploft.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AffordableInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Submit your design questions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to be featured on the show ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Become a Premium Member⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and access the bonus episodes Click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to become an interior designer with Uploft's Interior Design Academy. Get Betsy's book: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠betsyhelmuth.com/book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠For more about our residential interior design services, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ModernInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For our commercial interior design services, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OfficeInteriorDesign.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Us: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@uploftinteriordesign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠facebook.com/UploftIntDes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@uploftinteriordesign⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/uploft-interior-design⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you enjoy the show, please spread the word and leave a review on iTunes! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Start your free Solution-Focused  3-day training here: https://www.thefocusedmindset.com/leadwithhopechallenge  This episode explores the power of cultural awareness, empathy, and genuine connection in school counseling. The conversation reflects on a challenging school year in California and shows how understanding the lived experiences of students and families leads to more effective support, stronger trust, and more equitable service. Key topics Reflecting on a school year shaped by turmoil, fear, and uncertainty How demographics shape the needs of a school community A powerful early teaching experience about race, trust, and proving competence Building connection by meeting families where they are The impact of reading culturally relevant books in the classroom Supporting students and families affected by immigration-related fears Creating a safe space for students observing Ramadan Why equity is more than policy and paperwork The importance of listening to parents' concerns with humility Finding shared humanity across different backgrounds and beliefs Timestamps 00:01 - Episode intro and reflection on the school year 00:57 - California turmoil and the emotional weight on schools 03:20 - Why demographics matter in school communities 03:48 - First teaching job and an uncomfortable parent interaction 05:16 - Using books from different cultures to build trust 06:09 - A classroom visit that changed everything 07:05 - Learning the value of connection over proving a point 08:04 - Seeing the community through other people's worldview 09:01 - A student's fear about grandparents being deported 11:26 - Opening recess conversations for worried students 11:55 - Supporting students who fast during Ramadan 13:22 - How small accommodations build trust 15:19 - Equity as listening to real people, not just numbers 17:10 - Finding alignment across faiths, cultures, and fears 18:08 - Final encouragement to seek understanding and serve with humility Notable takeaways Demographics are not just data, they reflect real people with real needs Cultural responsiveness begins with listening and curiosity Small, thoughtful accommodations can have a major emotional impact Equity is lived through relationships, not just policies Shared fears and hopes create the strongest bridges between people TEDx: How to Lead with Hope: Solution Focused Conversation Navigation https://youtu.be/Am3ZoF53BS0?si=ZaflEtnhsdjgJ2oN Instagram: Cher Kretz The Focused Mindset Podcast https://www.instagram.com/cherkretz_thefocusedmindset/ TikTok: @Cher Kretz The Focused Mindset https://www.tiktok.com/@cherkretz?lang=en Closing thought The episode's central message is that genuine service begins when we stop trying to prove ourselves and start trying to understand others.

An overview lecture on Gospel Nonviolence from the Shantidas story that Fr. McCarthy begins with to the Maura Clark letter at the very conclusion. Shared with permission from John Dear and Fr. McCarthy. Find Fr. McCarthy here: YouTube: @emmanuelcharlesmccarthy3292  https://www.emmanuelcharlesmccarthy.orgFind CAM here:  https://catholicsagainstmilitarism.comRSS feed: http://www.buzzsprout.com/296171​Rumble: https://rumble.com/c/CAMpodcastSupport the showFind CAM here:  https://catholicsagainstmilitarism.comRSS feed: http://www.buzzsprout.com/296171​Rumble: https://rumble.com/c/CAMpodcast

Rick Sutcliffe shared some great stories in Marquee both last night bonus 997 Wed, 22 Jul 2026 22:45:28 +0000 m3LdlLzrdVEvCvsbuwET6kxXhLbYfLGm sports Spiegel & Holmes Show sports Rick Sutcliffe shared some great stories in Marquee both last night Matt Spiegel and Laurence Holmes bring you Chicago sports talk with great opinions, guests and fun. Join Spiegel and Holmes as they discuss the Bears, Blackhawks, Bulls, Cubs and White Sox and delve into the biggest sports storylines of the day. Recurring guests include former Bears coach Dave Wannstedt, former Bears center Olin Kreutz, Cubs manager Craig Counsell, Cubs second baseman Nico Hoerner and MLB Network personality Jon Morosi. Catch the show live Monday through Friday from 2 p.m. to 6 p.m. CT on 104.3 The Score, the exclusive audio home of the Cubs and the Bulls, or on the Audacy app. © 2026 Audacy, Inc. Sports https://player.amperwavepod

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Suppose the habits shaping your family's future were set decades before you were born? This episode of Salad with a Side of Fries dives into the real, practical steps behind building generational health and finally breaking cycles of diet culture, stress, and chronic disease.Host Jenn Trepeck unpacks how breaking the cycle begins with honest conversations, family history, and daily choices around hydration, sleep, and stress management (including family meals) that any household can start putting into practice today for lasting, healthy aging.What You Will Learn in This Episode:✅ Why generational health is really about the lifestyle we pass down, not just the genes we inherit✅ How to talk to picky eaters using energizing foods and fuel-based language instead of good and bad labels✅ The real protein needs for growing kids and teens✅ How modeling healthy behavior around stress, screens, and family meals teaches kids more than any lecture or ruleThe Salad With a Side of Fries podcast, hosted by Jenn Trepeck, explores real-life wellness and weight-loss topics, debunking myths, misinformation, and flawed science surrounding nutrition and the food industry. Let's dive into real-life wellness and weight loss, including drinking, eating out, and skipping the grocery store.TIMESTAMPS:00:00 Why life expectancy is dropping and how generational health can reverse that trend07:06 Breaking the cycle of childhood diet rules, sneaking treats, and food restriction08:56 How family history of disease and epigenetics shape the lifestyle patterns we pass down15:13 The six human foundations behind every healthy lifestyle17:17 Nutrition tips for handling picky eaters using fridge first and energizing food language21:23 Calculating real protein needs for growing kids and teenage athletes based on body weight29:12 Modeling calm, stress management, and the importance of connection and community33:27 How GLP-1 medications are quietly reshaping shared meals and family food culture40:02 Using screen time and modeling to teach kids healthy, generational health habitsKEY TAKEAWAYS:

Yvette Fielding is back with five of your spookiest stories, and this month's are some of the eeriest yet.A little girl who chatted with her dad's colleague through the hospital halls… only to learn he'd died on holiday weeks before.A sad man in white standing in a room that turned out to be the morgue.A 220-year-old Somerset cottage where orbs, footsteps and an 8kg blender flying off a shelf have baffled even seasoned investigators.A brother and sister, decades apart, who discover they share the same childhood demon.And a haunted house in Anfield where a shadow climbs the stairs and stops outside the bedroom door.Plus a Fact or Fiction from Somerset: the phantom stationmaster still whistling for trains that no longer run.Got a story, photo or voice note? Email paranormalactivitypod@gmail.com or find us @paranormalactivitypod. Early episodes + bonus content at paranormalpod.co.uk.Stay safe, and stay curious.A Create Podcast Hosted on Acast. See acast.com/privacy for more information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Booker T. Washington.

Welcome to Nikky After Dark, where your naughtiest confessions come to life. I'm your host Nikky and tonight we are exploring the thrill of pushing boundaries — from delicious humiliation and risky office hookups to sweet anniversary surrender and balcony adventures. Get comfortable, maybe lose a layer or two, and let my voice wrap around you while these stories wrap around your mind… and other places.Opening TeasersImagine being forced to grind your dripping, bare pussy on something so wrong and degrading… while your Master watches every humiliating second. The shame only makes you wetter… and soon you're begging for it.Picture working late in a quiet office when your flirty Bumble match shows up… no condom, no plan, just raw, risky fucking on the conference table while the security guard is right outside the door.Anniversary night in a high-rise Airbnb… ropes, blindfolds, toys, and multiple screaming orgasms… followed by getting fucked hard on the balcony where anyone could theoretically see.Support The Show: Apple: https://podcasts.apple.com/us/channel/dear-nikky/id6442972835 Spreaker: https://www.spreaker.com/podcast/dear-nikky-hidden-desires--6316414/support Join us over on Discord: https://discord.gg/uqqxsCSDfw Featured Release: Dear Nikky: Sex Confessions From People Just Like You is out now! Dive deeper into the raw, unfiltered stories you love.Contact:Email: Nikky@dearnikky.com (or dear.nikky.confessions@gmail.com) Website: DearNikky.com/confessions Socials: Twitter/X (@DNikky162), Instagram (@DNikky162), Facebook (@DearNikky) Content Warning: This episode contains explicit sexual content, including graphic descriptions of ass play, butt plug sex, bisexual encounters, threesomes, public/exhibitionist sex, and consensual adult fun. Stories depict enthusiastic consent. Listener discretion advised; 18+ only. Submissions involving bestiality, incest, underage role-play, rape, non-consensual content, or racial slurs are not aired.Get Involved:Submit Your Story: Got a secret fantasy or steamy confession? Write to Nikky at Nikky@dearnikky.com or submit anonymously at DearNikky.com/confessions. By submitting, you certify you're 18+, the sole creator, and that the content meets our guidelines. Say Hello: Have a burning fantasy or just want to chat? Reach out on socials or email — Nikky loves hearing your naughtiest thoughts! Support the Show: Leave a review on Apple Podcasts, Spotify, Spreaker or your favorite platform. Your support helps new listeners discover the heat! 

Guests in Londinium, 92 AD: Gaius and Germanicus. The Ritual of Combat and Modern Delusions. Germanicusargues that for the Romans, war and ceremony were inextricably linked, using triumphs and gladiatorial spectacles to forge a shared identity between the people and the military. These rituals were "incarnations of the spirit of Rome" triumphing over "barbaric" enemies, providing a form of "ecstatic participatory" fulfillment. He notes a parallel in modern America, which uses "ecstatic vicarity" through high-tech war footage and video games to maintain a similar bond. However, he warns that the U.S. dangerously underestimates adversaries like Iran by viewing them as "barbarians" rather than a sophisticated, 2,500-year-old culture. He laments the loss of the "sobriety" that guided Cold War leadership—where the stakes of nuclear confrontation were understood—noting that current American policy reflects a "gods of war" complex born from the easy successes of the early 1990s. Gaius adds that this technological display creates a "fog of war" where the enemy's own capabilities and "vote" in the conflict are often ignored. (1)

The Bible is full of wonderful analogies, and one of the best is found in Proverbs, which paints a picture of godly mentoring and accountability.Proverbs 27:17 says, “Iron sharpens iron, and one man sharpens another.”The idea is that as pieces of iron are drawn against the other, each piece becomes sharper. A further application is made in Hebrews 4:12, which talks about Scripture as being a double-edged sword, and it is with His Word we are to sharpen each other.The goal is mutual accountability, and imparting wisdom for living.As author Michael Lazurek has written: “As the body of Christ, we forget that part of our job is to sharpen other brothers and sisters in Christ so that the flame in their hearts, put there by the Holy Spirit, continues to burn.”Although the “iron sharpens iron” analogy is often used to describe the relationship between men, the application is relevant for everyone who believes. Even at this moment, there are millions of women mentoring girls, and sharpening their wisdom in the Lord!Let's pray.Lord, thank you for giving us wonderful relationships that help us grow. We are so grateful for this. In Jesus' name, amen. Change your shirt, and you can change the world! Save 15% Off your entire purchase of faith-based apparel + gifts at Kerusso.com with code KDD15.

This week, we're stepping into one of the internet's creepiest shared mysteries: Mall World. Imagine a massive empty shopping mall frozen in time, complete with endless escalators, flickering upper floors, an abandoned food court, and dreamers who believe they've met each other inside. Thousands of strangers across the world (and possibly Corrine) have visited this exact place in their dreams, describing the same unsettling details without ever meeting. Coincidence… or something much stranger? Watch Jessica Tilton's Mall World mapping TikTok here. Watch the video version here. Have ghost stories of your own? E-mail them to us at twogirlsoneghostpodcast@gmail.com New Episodes are released every Thursday and Sunday at 12am PST/3am EST (the witching hour, of course). Corinne and Sabrina hand select a couple of paranormal encounters from our inbox to read in each episode, from demons, to cryptids, to aliens, to creepy kids... the list goes on and on. If you have a story of your own that you'd like us to share on an upcoming episode, we invite you to email them to us!  If you enjoy our show, please consider joining our Patreon, rating and reviewing on iTunes & Spotify and following us on social media! Youtube, Instagram, TikTok, Facebook, and Discord. Edited and produced by Jaimi Ryan. Original music by Arms Akimbo! Disclaimer: the use of white sage and smudging is a closed practice. If you're looking to cleanse your space, here are some great alternatives! Learn more about your ad choices. Visit podcastchoices.com/adchoices

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