Podcasts about Speaker

One of our listeners decided that lying to her husband and BOTH her children was the only way to preserve her mental health and sneak away for a spell... She'll tell us how she did it coming up in the Masked Speaker podcast!See omnystudio.com/listener for privacy information.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: Resort at once to Jesus for His all-comforting balm! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 7/28/2025 Bible: John 16:33; Matthew 11:28-30 Length: 2 min.

God's desire is for families to live within His circle of blessing. In this message, Ps Chris encourages us that blessing flows through obedience, spiritual positioning, and honour. He encourages us to plant ourselves and our families in God's house, walk in His ways, and trust that as we do, we'll live within His circle of blessing.

A new MP3 sermon from Frontline Fellowship is now available on SermonAudio with the following details: Title: Biblical Faith Vs the False and the Fake Subtitle: Sunday Sermons - KSB Cpt 2025 Speaker: Peter Hammond Broadcaster: Frontline Fellowship Event: Sunday Service Date: 7/27/2025 Length: 61 min.

A new MP3 sermon from Mukhanyo Theological College is now available on SermonAudio with the following details: Title: The virtue of humility Speaker: David VanDrunen Broadcaster: Mukhanyo Theological College Event: Devotional Date: 7/21/2025 Bible: Philippians 2:1-11 Length: 61 min.

A new MP3 sermon from Let the Bible Speak Radio is now available on SermonAudio with the following details: Title: The Great Ministry of Little Men 3 Subtitle: The Book of Judges Speaker: Dr. Alan Cairns Broadcaster: Let the Bible Speak Radio Event: Radio Broadcast Date: 8/6/2025 Bible: Judges 10:1-5 Length: 28 min.

A new MP3 sermon from Let the Bible Speak Radio is now available on SermonAudio with the following details: Title: The Great Ministry of Little Men 5 Subtitle: The Book of Judges Speaker: Dr. Alan Cairns Broadcaster: Let the Bible Speak Radio Event: Radio Broadcast Date: 8/8/2025 Bible: Judges 10:1-5 Length: 27 min.

A new MP3 sermon from Trinitarian Bible Society is now available on SermonAudio with the following details: Title: Behold the Lamb of God! Subtitle: Devotionals Speaker: TBS Audio Broadcaster: Trinitarian Bible Society Event: Devotional Date: 7/28/2025 Bible: John 1:29 Length: 5 min.

A new MP3 sermon from Bethel Baptist Church - St. Charles, IL is now available on SermonAudio with the following details: Title: Our Savior, the Man of Sorrows Subtitle: Devotionals Speaker: Jay Smith Broadcaster: Bethel Baptist Church - St. Charles, IL Event: Devotional Date: 7/27/2025 Bible: Isaiah 53:3-6 Length: 4 min.

A new MP3 sermon from Mission Africa is now available on SermonAudio with the following details: Title: Devotional Thoughts By Charnock, Edwards And Tozer Subtitle: Old Paths Readings Speaker: Jim Robinette Broadcaster: Mission Africa Event: Devotional Date: 7/28/2025 Length: 1 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: Resort at once to Jesus for His all-comforting balm! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 7/28/2025 Bible: John 16:33; Matthew 11:28-30 Length: 2 min.

A new MP3 sermon from Mukhanyo Theological College is now available on SermonAudio with the following details: Title: The Beast from the Earth Speaker: Jacques Malan Broadcaster: Mukhanyo Theological College Event: Devotional Date: 7/24/2025 Bible: Revelation 13:11-18 Length: 36 min.

A new MP3 sermon from Mukhanyo Theological College is now available on SermonAudio with the following details: Title: Kill lust before it kills You Speaker: Dr. Brian DeVries Broadcaster: Mukhanyo Theological College Event: Devotional Date: 7/22/2025 Bible: Matthew 5:27-32; Matthew 5:43-48 Length: 44 min.

A new MP3 sermon from Let the Bible Speak Radio is now available on SermonAudio with the following details: Title: The Great Ministry of Little Men 4 Subtitle: The Book of Judges Speaker: Dr. Alan Cairns Broadcaster: Let the Bible Speak Radio Event: Radio Broadcast Date: 8/7/2025 Bible: Judges 10:1-5 Length: 28 min.

Ep 59: Healing, Sobriety, Stem Cells & SAVERS: My Top Takeaways from the Biohacking ConferenceDescription: Ever left an event feeling so lit up that you wanted to shout it from the rooftops? That's this week's show.In this solo episode, I'm taking you inside one of the most jam-packed wellness and biohacking events I've ever attended. You'll hear personal insights from Dave Asprey's Beyond Conference (formerly named Biohacking Conference), including a healing moment I wasn't expecting, and the “this changes everything” takeaways that rocked me to my core.We're talking brain health, emotional regulation, detoxification, quantum healing, conscious capitalism, and yes—a doctor who pulled a laser out of his pocket and aimed it at my head (and something in my elbow shifted).Some featured voices include:[5:00] Dr. Joe Dispenza, on reprogramming the subconscious and the healing power of the mind[7:00] James Nestor, author of Breath, on the science (and urgency) of how we breathe[9:50] Christian Drapeau, from StemRegen, on the use of stem cells in the treatment of long-term degenerative disease [11:55] Hal Elrod, founder of the Miracle Morning, and his SAVERS practice [15:05] Vani Hari, aka The Food Babe, on the battle to keep toxins off your plate[20:37] Jirka Rysavy, Gaia's elusive founder, on next-level energy healing and personal power[22:42] Dr. Jerry Tennant, author of Healing Is Voltage, on frequencies, trauma, and cellular healing[28:35] Daymond John, who opened up about addiction, entrepreneurship, and reclaiming healthYou don't need to be perfect. Just present. Whether that means skipping the soda, booking the sauna, or tossing those sketchy snack bars, the next right step is always enough. Biohacking isn't about trends and hacks; it's about learning to support your body and mind so you can actually live your life.RATE & REVIEWLoved this episode? Drop a review and share it with someone who's ready to feel better from the inside out.

A new MP3 sermon from Bible Believers Fellowship is now available on SermonAudio with the following details: Title: July 27th, 2025 Current Events Update Subtitle: Current Events Speaker: Gregory A. Miller Broadcaster: Bible Believers Fellowship Event: Current Events Date: 7/27/2025 Length: 31 min.

A new MP3 sermon from Old Paths Baptist Church is now available on SermonAudio with the following details: Title: Jesuits, Hitler & Pavelic-Holocaust In Slovenia/Croatia Subtitle: Israel, Jews, Church Speaker: Jason Cooley Broadcaster: Old Paths Baptist Church Event: Current Events Date: 7/28/2025 Length: 107 min.

A new MP3 sermon from VCY America is now available on SermonAudio with the following details: Title: The State of Christian Teens Subtitle: Crosstalk America Speaker: Jim Schneider Broadcaster: VCY America Event: Current Events Date: 7/28/2025 Length: 53 min.

A new MP3 sermon from Answers in Genesis Ministries is now available on SermonAudio with the following details: Title: Fossils—Where’d They Come from? Subtitle: Answers with Ken Ham Speaker: Ken Ham Broadcaster: Answers in Genesis Ministries Event: Radio Broadcast Date: 7/28/2025 Length: 1 min.

A new MP3 sermon from Gilead Baptist Church is now available on SermonAudio with the following details: Title: Beyond the Pulpit Ep.27 (Special Edition) Subtitle: Beyond the Pulpit Speaker: Dr. R.C. Smelcer Broadcaster: Gilead Baptist Church Event: TV Broadcast Date: 7/28/2025 Length: 28 min.

What's keeping you from moving forward into the future God has for you? Christine Caine unpacks three simple yet sobering words from Jesus: "Remember Lot's wife." In a message rooted in Luke 17, she challenges us to release our past—failures, pain, or even past successes—and embrace God's invitation to step into a new season. If you've been stuck in regret, longing, or rumination, this message will help you fix your eyes forward. What you'll learn:- Why Jesus singled out Lot's wife and what her story reveals about your future.- How to recognize when you're spiritually stuck and how to break free.- What it practically means to stop looking back and start pressing forward. This is part of our Resilient Hope Summer series — real talk and encouragement to keep your faith strong in every season. Don't forget to grab your free Episode Reflection Guide here! P.S. We made a bonus resource for you this summer. Download your free 'Hope Kit' now! + + + + + Christine Caine is a speaker, activist, and best-selling author. She and her husband, Nick, founded the anti-human trafficking organization The A21 Campaign. They also founded Propel Women, an initiative that is dedicated to coming alongside women all over the globe to activate their God-given purpose. Each week she brings you a Gospel-centered message filled with Biblical truths that will equip and empower you to step into the life God has for you.

I dont know where this was recorded, it was Feb of 2014 and apparently really nasty weather had the monthly speaker bail, this is the result. The members decided to have 4 homegroup folks go through all 12 steps in an hour.  Support Sober Cast: https://sobercast.com/donate Email: sobercast@gmail.com Sober Cast has 2900+ episodes available, visit SoberCast.com to access all the episodes where you can easily find topics or specific speakers using tags or search. https://sobercast.com

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   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  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   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  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

About Lynne:  Lynne is a Board-Certified Holistic Health Practitioner (AADP) & Wellness Cooking Instructor with over 13 years of experience in the field of holistic living. She is the Founder of Holistic Health & Wellness and Host of the Living Life Naturally Podcast. Lynne is passionate about guiding women in midlife and menopause to enjoy more energy and vitality with less pain and frustration.  Lynne has been frequently featured in Brainz Magazine (2022-2024), was voted Best of Florida 2023 & 2024 (Holistic & Naturopathic Practices). Her podcast, Living Life Naturally was voted one of the top 20 podcasts for Nutrition & Fitness (2024) as well as being in the top 3% globally for health and wellness.  She was also awarded Top Honors in the Health Coaching Field with IAOTP (as seen on ABC, NBC, Fox and CW).  She is a Speaker and the Author. Her book "Conquering Migraines: Your Guide to Life Without Pain” can be found on Amazon. Check out her Website which features her helpful blogs and more information about how to work with Lynne What We Discuss In This Episode: In this first episode in the series, "Welcome to Midlife – Why It's Not the End, It's a Beginning," you'll get some tips for living your best life during this midlife season.  I share why I believe midlife is not a crisis — it's an awakening. You'll hear what to expect from the show, the kinds of topics we'll explore, and why this season of life might just be your most powerful yet. If you've been feeling alone, overwhelmed, or disconnected in your midlife journey — this episode is your invitation to begin again. ✨ In This Episode: ·        My own midlife transformation journey ·        The purpose and mission of this podcast ·        Why midlife is a time for rebirth, not decline ·        What to expect in upcoming episodes ·        Encouragement for embracing this season with clarity and grace  

Angela talks to Kylen Ribeiro, in a show designed to explore the often-overlooked topic of electromagnetic fields (EMFs) and radiation, discussing their potential health impacts and ways to protect ourselves. Kylen explains the spectrum of EMF radiation, from low-frequency sources like electrical devices to higher-frequency signals from cell phones and Wi-Fi. Check out Defender Shield's products and save 10% with code ANGELA at Defendershield.com/angela EMF Radiation Chart: https://defendershield.com/pages/electromagnetic-spectrum KEY TAKEAWAYS Understanding EMFs: Electromagnetic field radiation (EMF) encompasses various signals emitted from devices like cell phones, Wi-Fi, and even battery-powered items Health Risks: Long-term exposure to EMFs can lead to serious health issues, including brain tumors, DNA damage, and fertility problems Children's Vulnerability: Children are more susceptible to EMF exposure due to their developing brains and bodies Practical Solutions: To minimise EMF exposure, individuals can use protective products such as EMF-blocking phone cases, AirTube headphones, and clothing designed to shield against radiation TIMESTAMPS AND KEY TOPICS [00:00:18] EMF radiation explained. [00:21:47] Children's vulnerability to EMF exposure. [00:38:09] Bedroom environment for better sleep. [00:49:10] EMF exposure and animal health. [01:00:22] Tech-free habits for children. VALUABLE RESOURCES Click here for discounts on all the products I personally use and recommend A BIG thank you to our sponsors who make the show possible: Oxford Healthspan Primeadine: Target 9 out of the 12 Hallmarks of Aging - click here and use code ANGELA to save 15% ABOUT THE GUEST Kylen is the Chief Executive Officer at DefenderShield, and is responsible for leading the strategic growth of the company. After growing up in Raleigh, NC, Kylen moved to Tallahassee, FL to complete her lifelong swimming career at Florida State University as the Women's Swimming and Diving Team Captain. Kylen graduated with a B.S. in Marketing and Management and married her fellow teammate turned husband. She continued her education as a Seminole and went on to earn her Masters in Business Administration. ABOUT THE HOST Angela Foster is an award winning Nutritionist, Health & Performance Coach, Speaker and Host of the High Performance Health podcast. A former Corporate lawyer turned industry leader in biohacking and health optimisation for women, Angela has been featured in various media including Huff Post, Runners world, The Health Optimisation Summit, BrainTap, The Women's Biohacking Conference, Livestrong & Natural Health Magazine. Angela is the creator of BioSyncing®️ a blueprint for ambitious entrepreneurial women to biohack their health so they can 10X how they show up in their business and their family without burning out. CONTACT DETAILS Instagram Facebook LinkedIn Disclaimer: The High Performance Health Podcast is for general information purposes only and do not constitute the practice of professional or coaching advice and no client relationship is formed. The use of information on this podcast, or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for medical or other professional advice

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: Judge not, lest you be judged! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 7/27/2025 Bible: Matthew 7:1-4; Galatians 6:1 Length: 4 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: The fool! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 7/27/2025 Bible: Psalm 14:1; Psalm 53:1 Length: 3 min.

A new MP3 sermon from Hackberry House of Chosun is now available on SermonAudio with the following details: Title: The Sound in the Mulberry Trees Subtitle: Spurgeon sermons Speaker: C. H. Spurgeon Broadcaster: Hackberry House of Chosun Event: Teaching Date: 7/28/2025 Bible: 2 Samuel 5:24 Length: 39 min.

A new MP3 sermon from Kabwata Baptist Church is now available on SermonAudio with the following details: Title: The King is coming Subtitle: Major Lessons from the Minor P Speaker: Conrad Mbewe Broadcaster: Kabwata Baptist Church Event: Sunday - PM Date: 7/27/2025 Bible: Zechariah 9:1-17 Length: 41 min.

A new MP3 sermon from Covenant Baptist Church is now available on SermonAudio with the following details: Title: The Providence of God in Paul’s life to accomplish the Will of God. Romans 15:22–33 Speaker: Pastor Charles Swann Broadcaster: Covenant Baptist Church Event: Sunday Service Date: 7/27/2025 Bible: Romans 15:22 Length: 56 min.

"At M2 The Rock, we fully respect the anonymity of all 12-step fellowships. In alignment with their traditions, we do not represent or speak on behalf of any of these groups. Our mission is to share hope, not affiliation."About M2 THE ROCK - MICHAEL MOLTHAN:I'm Michael Molthan, host of The M2 The Rock Show—one of the fastest-growing podcasts and shows on self-improvement, mental health, addiction recovery, and spiritual transformation. I'm so grateful you're here.I started M2 The Rock in 2017 to bring you conversations designed to make you happier, healthier, and more healed. Through raw and unfiltered discussions with experts, celebrities, thought leaders, and athletes, we uncover new perspectives on personal growth, recovery, and overcoming life's toughest challenges.My Story:What sets my journey apart is that there wasn't just one rock bottom—there were many. From being a successful luxury homebuilder to falling into addiction, homelessness, crime, and eventually 27 mugshots and prison, my life was in absolute chaos.Addiction was my temporary escape from childhood trauma, but it only led to destruction.It wasn't until I hit the lowest point imaginable that I finally found true freedom, redemption, and purpose. After an unexpected early release from prison in 2017, I walked 300 miles back to Dallas to turn myself in—only to be miraculously pardoned and told to “pay it forward.”And that's exactly what I've been doing ever since.My MissionI believe that rock bottom is not the end—it's a stepping stone to something greater.My goal is to redefine what "rock bottom" means by helping others rebuild their Spirit, Mind, and Body. On M2 The Rock, I speak openly about trauma, addiction, recovery, and the power of transformation. I don't shy away from topics like:✅ Trauma & Addiction – Understanding the root causes✅ Self-Sabotage & Mental Health – Breaking negative cycles✅ Codependency & Enabling – How relationships impact recovery✅ 12-Step Programs & Spiritual Healing – Finding true freedom✅ Religious Trauma & Personal Growth – Healing from past wounds"Everyone Is An Addict."Whether it's substances, work, validation, or negative thinking, we all have something we struggle with.But recovery is possible, and transformation is real.

A new MP3 sermon from Generations Radio is now available on SermonAudio with the following details: Title: The Chip and Joanna Gaines Fiasco - The Call: More Rebar in the Faith Speaker: Kevin Swanson Broadcaster: Generations Radio Event: Radio Broadcast Date: 7/28/2025 Length: 47 min.

The discussion covered various topics, including the end of the first half of summer, a dent in a Tesla, and the impact of Philip K. Dick's "Man in the High Castle." They discussed the political implications of Boaz Burgers' stance on immigration and the potential for cheating in elections. A Walmart stabbing incident was highlighted, where a former Marine's actions prevented further harm. The conversation also touched on Elon Musk's innovations, including Starlink's service interruption and his plans for chip manufacturing. Trump's trade deals with the EU and Japan were debated, emphasizing the reduction of tariffs and the potential impact on the global economy. The conversation begins with light-hearted banter about a lizard sighting under Speaker 2's house, which was later clarified to be near the doorbell camera. Speaker 1 mentions their dog, Willie, killing a raccoon. then shifts the topic to promoting PJ's Coffee in Louisiana, highlighting their offerings, including cold brews, pastries, and a special mention of Second Round Bakery cookies available on Etsy. He encourages listeners to visit, enjoy the Wi-Fi, and share feedback via email. 

A new MP3 sermon from Heritage Presbyterian Church is now available on SermonAudio with the following details: Title: The Consequences and Assurances of Justification by Faith Subtitle: Romans 2025 Speaker: Joe Morecraft III Broadcaster: Heritage Presbyterian Church Event: Sunday Service Date: 7/27/2025 Bible: Romans 5:1-11 Length: 71 min.

The following sermon was chosen as a 'staff-pick' on SermonAudio: Title: “When Forty Years Had Passed” Subtitle: Messages from Truth For Life Speaker: Alistair Begg Broadcaster: Truth For Life - Alistair Begg Event: Sunday Service Date: 6/8/2025 Bible: Exodus 3:1-10 Length: 39 min.

A new MP3 sermon from Frontline Fellowship is now available on SermonAudio with the following details: Title: WORSHIP in Psalms, Hymns and Spiritual Songs Subtitle: Devotions 2025 Speaker: Peter Hammond Broadcaster: Frontline Fellowship Event: Devotional Date: 7/28/2025 Length: 34 min.

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: The Beast From The Sea Subtitle: Series - Revelation 2024-2025 Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Sunday - AM Date: 7/27/2025 Bible: Revelation 13:1-10 Length: 62 min.

Are you curious about the rapidly changing world of recruiting, the secrets to effective networking, and how artificial intelligence is reshaping the job market? In this episode of The Quiet And Strong Podcast, host David Hall sits down with Justin Dixon, founder of Hire Tomorrow and host of the Growth Capital Podcast. Together, they explore Justin's 18+ years of experience in recruiting, his journey to entrepreneurship, and the realities of starting a business just as the world shut down in early 2020.Whether you're building your own business, searching for your next opportunity, or fascinated by how technology is transforming career growth, this conversation is packed with insights that will inspire and empower you. Learn from Justin's practical advice and behind-the-scenes stories about helping thousands land new roles, navigate workplace dynamics, and make smart moves for their financial future.Listen in, level up your career strategy, and be strong.Episode Link: QuietandStrong.com/234- - -Justin Dixon, founder of Hire Tomorrow, a recruiting firm based in Austin, Texas,  has more than 18 years of experience in recruiting. Justin has worked across the spectrum—from agencies, to fast-paced startups, to Fortune 500 companies. In January 2020, he took the leap into entrepreneurship, launching his recruiting business just as the world was about to change. Despite the challenges of the pandemic, Justin has continued to grow his company by helping private equity firms and startups find the right talent to scale their teams.Justin is also passionate about investing—in both people and businesses. On top of his recruiting expertise, Justin is a real estate and angel investor, and the host of his own Growth Capital Podcast, where he dives deep into the journeys of entrepreneurs, investors, and CEOs.With an MBA in Business Management, Finance, and Corporate Strategy, Justin combines a strategic mindset with a people-first approach. He's here today to share his journey, insights into hiring and building teams, and some hard-earned lessons about entrepreneurship, investing, and the power of playing to your strengths as an introvert.Connect with Justin on LinkedInSend us a text- - -Contact the Host of the Quiet and Strong Podcast:David Hall Author, Speaker, Educator, Podcaster quietandstrong.comGobio.link/quietandstrongdavid [at] quietandstrong.com Take the FREE Personality Assessment: Typefinder Personality Assessment Follow David on your favorite social platform: Twitter | Facebook | Instagram | LinkedIn | Youtube Get David's book:Minding Your Time: Time Management, Productivity, and Success, Especially for Introverts You may also like:Quiet & Strong Merchandise

A new MP3 sermon from Frontline Fellowship is now available on SermonAudio with the following details: Title: WORSHIP in Psalms, Hymns and Spiritual Songs Subtitle: Devotions 2025 Speaker: Peter Hammond Broadcaster: Frontline Fellowship Event: Devotional Date: 7/28/2025 Length: 34 min.

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: Señales para el fin de los tiempos Subtitle: Spanish Translation Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Sunday - AM Date: 7/13/2025 Bible: Revelation 12:1-6 Length: 59 min.

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: El Obedeinte Israel que Dios crea Subtitle: Spanish Translation Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Sunday - PM Date: 7/13/2025 Bible: Zechariah 8 Length: 59 min.

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: Guerra en el cielo e Ira en la tierra Subtitle: Spanish Translation Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Sunday - AM Date: 7/20/2025 Bible: Revelation 12:7-17 Length: 58 min.

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: The Strength For Generational Faithfulness Subtitle: 1 Timothy - Non Series Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Sunday - PM Date: 7/27/2025 Bible: 1 Timothy 1:18-20 Length: 51 min.

A new MP3 sermon from Bible Believers Fellowship is now available on SermonAudio with the following details: Title: 731 When He Is Old He Will Not Depart (Proverbs 22:6) Our Daily Greg Subtitle: Expository Study: Proverbs Speaker: Gregory A. Miller Broadcaster: Bible Believers Fellowship Event: Devotional Date: 7/28/2025 Bible: Proverbs 22:6 Length: 4 min.

A new MP3 sermon from Let the Bible Speak Radio is now available on SermonAudio with the following details: Title: The Great Ministry of Little Men 1 Subtitle: The Book of Judges Speaker: Dr. Alan Cairns Broadcaster: Let the Bible Speak Radio Event: Radio Broadcast Date: 8/4/2025 Bible: Judges 10:1-5 Length: 28 min.

A new MP3 sermon from Let the Bible Speak Radio is now available on SermonAudio with the following details: Title: The Great Ministry of Little Men 2 Subtitle: The Book of Judges Speaker: Dr. Alan Cairns Broadcaster: Let the Bible Speak Radio Event: Radio Broadcast Date: 8/5/2025 Bible: Judges 10:1-5 Length: 27 min.

A new MP3 sermon from Mission Boulevard Baptist Church is now available on SermonAudio with the following details: Title: Solo-Thank You Subtitle: MBBC Music Speaker: Otis Robinson Broadcaster: Mission Boulevard Baptist Church Event: Devotional Date: 7/27/2025 Length: 5 min.

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: Fuerza y valentia Subtitle: Spanish Translation Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Sunday - PM Date: 7/20/2025 Bible: Zechariah 8:9-17 Length: 57 min.

Rep. Ro Khanna (D-Calif.) and Rep. Thomas Massie (R-Ky.) talk about their bipartisan push to release the Epstein files. House Speaker Mike Johnson (R-La.) defends the administration's handling of the Epstein issue. Sen. Lindsey Graham (R-Ga.) discusses his calls to investigate former President Obama. Amna Nawaz, Peter Baker, Jeh Johnson and Carlos Curbelo join the roundtable.