Podcasts about Sunbury

Watch this talk with video: https://youtu.be/t_c9jcKYfiI Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from Acts 2:42-47. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/l6qffPEw87Y Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from James 5:13-18. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/Rkt0VjtFcN4 Sermon by Revd Sophie Raeside at St Saviour's Church, Sunbury. The reading is taken from Matthew 28:16-20. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/vtHe-s4lFec Sermon by Sonia Stead at St Saviour's Church, Sunbury. The reading is taken from Acts 2:1-8,12-21. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/ Lego Bible video owned and produced by Go Chatter Studios - http://www.gochatterstudios.org.

Watch this talk with video: https://youtu.be/tnihISm79rs Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from Romans 10:13-15. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch the full service here: https://youtube.com/live/odLI5zPgrrY Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The readings are taken from John 10:1-13 and Psalm 37:3-6. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/wgwxVXWtW3Y Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from Luke 11:1-13. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/hR-iK3JEeCg Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The reading is taken from Luke 11:1-13. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch the full service here: https://youtube.com/live/FJMfe8D1Nv4 Sermon by Revd Gillian Harrap at St Saviour's Church, Sunbury. The reading is taken from Isaiah 53:4-6. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Alex joins Simon Nash and Jill Upton to chat about the new range of wines, the vintage and other developments underway at Marnong.@thewineshowaustralia @marnongestate

Watch this talk with video: https://youtu.be/zI0uex6C67k Sermon by Paul Cook at St Saviour's Church, Sunbury. The reading is taken from Psalm 104:10-28. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/NJJqdgBdm7U Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The reading is taken from John 20:1-18. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Keith explores how major geopolitical conflicts tend to reshape—not destroy—real estate markets, redirecting demand away from active war zones and toward safer, more stable regions. He explains how inflation, interest rates, and supply disruptions interact with property values over time, and why certain locations and asset types are more resilient than others. Investor and CEO Dani‑Lynn Robison, joins the conversation, to talk about building long-term wealth through "needs-based" real estate and the idea of a personal "wealth window" — the finite period when combining active income with compounding can have the biggest impact. They discuss the shift many investors make from being hands-on operators to more passive capital allocators, and why calm, long-term strategies focused on essential housing and services can help investors navigate uncertainty and technological change without panic. Resources: "Ready to see how these strategies could fit your own wealth plan? Book a free 20‑minute Capital Architecture Call with Dani‑Lynn's team—just text WINDOW to 66866 to get started. Episode Page: GetRichEducation.com/599 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. 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, wars are extremely expensive. The one to $2 billion spent on the Iran war every day is stoking inflationary pressure. How do wars affect real estate and will values appreciate 10% or more this year? You'll get clear answers, then I'll speak with a woman that I entrust with my own funds today on Get Rich Education.   Corey Coates  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:17   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lendinggroup.com, that's Ridge lendinggroup.com.   Speaker 1  1:51   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:07   Welcome to GRE from Canterbury, England to Sunbury, Pennsylvania and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How does war affect real estate? The war with Iran that began one month ago has really brought this to light. Now, a lot of armchair analysts and even some people with experience, they succumb to folly by having an emotionally driven hunch, as we like to say here at GRE take history over hunches. First look at what's actually happened historically, and at least let that inform the hunch Oh, and now you've brought pragmatism to the question of what happens to real estate in wartime. Now the latest war in the Middle East happened at a time where the existing picture is that US residential real estate prices are stable. Values are not rising or falling very much, and it's been rather slow overall and historically low transaction volume, fewer sellers and fewer buyers, and mortgage rates are near historic norms. I'll get back to us real estate shortly. But as you might imagine, real estate values that are actually in direct war zones, they get pummeled. So we're talking about many parts of the Middle East at this time in history, Iran, Israel, Lebanon, the UAE. In fact, values in the war zones collapse fast when there's physical danger. Properties can be damaged or totally leveled. Insurance becomes unavailable or meaningless, buyers disappear, liquidity dries up. The result is that prices fall hard, sometimes to near zero in active conflict zones. And that completely makes sense. I mean, would you want to make an offer to buy a property in an active war zone, I wouldn't now in safe regions that are adjacent to the war zone. Oh, the opposite has happened historically. Values surge because you've got refugees and migrants that flood into those nearby safer cities. Rental demand spikes immediately, and vacancy collapses. So in these adjacent safe areas, rents jump first, and then prices follow. In fact, when Russia invaded Ukraine back in 2022 this is exactly what happened across Eastern Europe. Cities like Warsaw Poland saw rent Spike. Almost overnight. All right, historically, what has war done to interest rates and inflation, like I alluded to last week, I think you already know that they both rise during wartime, and they sure are Now historically, war triggers energy shocks like oil and gas, and during this war, the energy shocks are greater than usual due to the Middle East being oil rich, war trigger supply chain disruptions and government spending surges. It's been well documented that the US has been spending one to $2 billion every single day on the war with Iran, and this is what can lead to that higher inflation and higher interest rates. And here's the tension for real estate, higher mortgage rates often put downward pressure on real estate prices, but yet inflation puts upward pressure on housing and all types of real assets. So the result there is this short term tug of war longer term, the real estate wins in inflation because it's a hard asset with debt attached. But back to the direct war zones, construction slows and supply tightens, and that's because war disrupts the very availability of labor and materials like steel and fuel and shipping developer confidence goes down the tubes too, and the result is that fewer homes get built, and then existing inventory becomes more valuable after the war, and this is The underappreciated force. Less supply later means higher prices later. Now let's talk outside the war zone. And before I do you know, gosh, it's amazing, whenever the US is involved in a war, it's almost never on American soil that's us hegemony and geography at work. There stuff's always getting blown up on the other side of the world. Rarely where I live in America, but here at home, military and government hubs can boom during war because the war spending is not spread out evenly. Defense contractors expand military bases, scale up logistics hubs get busier with that stuff. In mind, you can think then about which us locations can really boom with economic activity during wartime, as sad as it is for the active combatants and casualties, so the result is for the US to have localized housing boom, something that's often overlooked, but it's very real. And the big takeaway, and this is what most people miss, is that war does not crash real estate. It reroutes demand in destruction zones, there's collapse in safe, stable areas, like certain us regions, there's often a surge and on a national level in the US now, the result is mixed and resilient. And over time, inflation plus constrained supply plus population shifts tend to push values higher in the surviving markets. That is history over hunches. So then a better question than, how do wars affect real estate is instead, where does demand go next? That's a great question. Now, when you think about US military and defense corridors that benefit that's places like Tampa, Huntsville, Alabama, Norfolk, Virginia, and say, San Diego, because historically, defense budgets expand. Contractors hire aggressively and military personnel increases if higher mortgage rates persist and it keeps housing affordability strained, the winners tend to be lower cost resilient markets, places like Cleveland, Memphis and Kansas City. When the war with Iran began, 30 year mortgage rates were 5.98% and then they quickly shot up to about six and a half. They are still lower today than they were a year ago, even during geopolitical chaos, domestic migration really doesn't stop. People will keep piling into boring Sunbelt suburbs in Florida, Texas and Arizona. Now, if war causes domestic travel to drop in the US, and that's an if what happens historically is that short term rentals and hospitality driven real estate can get hurt. Think places like Las Vegas and Orlando. Now, let me have a word with you on interest rates. For a couple years now, people have talked with certainty about how mortgage rates and interest rates have all turned. Types are gonna go down like they've just gotta go down like it's a foregone conclusion or something. And as you know, all this time, I have been resolute in conveying the fact that you cannot predict interest rates with any certainty, and trying to spend time doing so is a fantastic way to waste your time, and sure enough, with a new war, rates rose, they didn't fall. I will forecast home prices, but no one can predict rates. Today, the Fed talks about increasing the rate more than cutting the rate. Now, inflation has been in this small range between two and a half and 3% for almost the year now, inflation has been above the Fed's 2% target. Do you realize this every single month for more than five years now, floating high for more than 60 months in a row before I discuss what Ward does to the rate of inflation.   Keith Weinhold  11:06   let me share something kind of humorous with you. My height of five feet, 11 inches. This is the most honest height that a man can be. Here. I am 511 I weigh 174 every other man of my height rounds up and says they're six feet tall. I'm telling you, heightflation among men is every bit as rampant as price inflation among consumers, but you don't have any choice in the price inflation, so History doesn't repeat, but it often rhymes. Back in the 1970s America experienced what some people call this famous double hump inflation, because in 1974 It peaked at over 12% and then just about five years later, you had another peak of almost 15% inflation and that ran into the beginning of 1980 back in the 70s, those inflation homes were caused by an oil embargo, Nixon, severing the dollar from gold and the Iranian Revolution. Yes, Iran back then too. All right, well, here in more modern times, could we experience a double hump again? Because we had the covid inflation wave that peaked in 2022 and next, could we have another inflation wave five or six years later, just like the 70s? Did you probably already know the story back then, that's when inflation only got crushed. How did we deal with it? Then when Fed Chair Paul Volcker ruthlessly jacked the Fed funds rate to near 20% and that made mortgage rates blast past 18% in 1981 yeah, that all makes today's mortgage rates sound rather adorable, doesn't it? The war with Iran, it is already the biggest oil supply disruption in history, more than double the previous record in the 1950s This is not a small deal. There's a real potential for inflation to spike higher. The oil supply shocks things, because oil is the master ingredient of the global economy. Even if the war winds down, it takes time for things to get back online, but really, the way to think of oil is the master ingredient, that's the way to think of it, the master ingredient. I mean, it's embedded in nearly everything except your morning coffee, plastics, chemicals, fertilizers, transportation. So like an economic octopus, oils. Tentacles extend everywhere. For example, higher fertilizer costs now mean higher food prices later and yep, eventually even your morning coffee, although the US does not rely directly on the Strait of Hormuz for oil, those prices are set on the global market. I myself sailed through the Strait of Hormuz in 2020 and it didn't feel so perilous to me then I was on a cruise ship. But in wartime, you don't want to be on an oil tanker. Why not? Well, it's just the slowest moving vehicle on Earth, packed with the most flammable liquid on earth through the most active war zone on Earth. About a week later, I also flew over the heart of Iran, and it is quite an inhospitable looking place, arid with tall mountains. In fact, they have the highest mountain in the Middle East there. It's called Mount damavanda, about 18,400 feet In Iran   Keith Weinhold  15:01   Dubai, real estate is not going to be the same for a long time, maybe ever. It's said. It's been bombed pretty often this year. So all of this is not ephemeral, what the US calls operation epic fury. It could elevate inflation for years. Wars are expensive, missiles, aircraft carriers, troop deployments, all the logistics, we are not going to pay for all of that with savings. Lol, let's all pause right now for the audience laughter. We don't have savings. We pay for it with debt, and the easiest way to pay for gigantic spending programs is to just quietly and sort of surreptitiously print more dollars. That's inflation. It dilutes every single dollar that you own now, every $20 bill in your wallet, every $100 in your savings account, inflation also debases every dollar of your real estate equity and every dollar in your stock portfolio. You'll remember that about six months ago, right here, I pointed out that though Trump says he wants low inflation, his behavior is highly inflationary. One thing to keep in mind is that, whether you like the President or not, what he does is when he sees the economy hurting, like with high gas prices or with the sinking stock market, what he does is he acts much like he did on tariff tweaks, but at some point it becomes too late to reverse course. You've got to ask, Have we cut rates too much? The Fed made rate cuts both last year and the year before, and meanwhile, a monetary puzzle keeps on brewing. The war could make things awkward, because we're supposed to have a new Fed chair, Kevin Warsh, coming in a month and a half. Trump wants him to lower rates, but if inflation heats up, the obvious solution is to jack up rates. US stock investors are already feeling it, because the indices entered correction territory last week due to the war a correction means a drop of 10% or more from a recent peak, and us real estate investors are well insulated. Like I said, long term high inflation boosts values. Rents are even more stable than prices and rents, as long as you're outside of the direct war zone, have very little relation to the war. But systemic supply chain disruptions can be a real thing that fuels inflation, and here's why. See, manufacturers used to keep eight to 12 weeks of inventory in stock, but no longer. Today, we've got the efficient just in time supply chains and there is less stock on the shelf. The system is fragile. That's why this domino effect can create this long term economic headache of shortages and inflation. Have you seen any empty shelves yet, like we did during the pandemic, I have not but as we know, during inflationary times, investors flock to hard assets, it can help to have a little gold, I think, truly just a little. But in wartime, the most advantaged investment class is right where we already are. It is residential real estate held with debt. We are out here winning the GRE inflation triple crown because property values rise, debt becomes cheaper in real dollars and rents increase over time, all while inflation cannot touch your fixed mortgage payment amount. Now, during the last wave of high inflation, that was 2021 and 2022 us real estate prices were up 10 to 20% in each one of those years, not aggregate, but each one of those years. Do I think that this can happen again if we have another big wave of war generated inflation? No, I don't, I do not believe that national real estate prices can rise as much as 10% over the next 12 months, even amidst this low supply condition, and that is because of the ongoing affordability constraint. As for inflation, the cobasy Letter reported an inflation expectation of 5.2% over the next 12 months. There are other projections in the fours out there, but so much will change between now and then. So I think even they would acknowledge that that is a guess. Above all, wars are tragic. Let's acknowledge that the bottom line here is that wars are expensive too. They create inflation, and residential real estate held with debt is more than an inflation hedge. It's an inflation profiting machine. Straight ahead, we'll talk more about what's happening in the real estate market, in some different sectors. It's with a woman that I invest my own funds with for a stable real estate backed return. I'm Keith Weinhold. You're listening to Episode 599 of get rich education.    Keith Weinhold  20:39   Let me throw out a simple idea, sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day, housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward, while past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call at Freedom. Familyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  22:00   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/g R, E.   Kristen Tate  22:39   This is author, Kristin Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:55   Today we're talking about the wealth window. Why this moment in real estate is different in the opinion of our guest. I'm talking with a woman that I invest my own liquid dollars with because we've been friends for a decade. They have a track record of making investor payouts 100% of the time and on time. She's the founder and CEO of freedom family investments and owns eight real estate businesses. What they invest in, and therefore what my funds are backed by, is recession resilient, needs based real estate like multifamily, senior housing and self storage. I have a book on my bookshelf that she and her husband wrote, called Get Real and she has an upcoming book, calm money never panics, and a forthcoming Netflix documentary that's going to bring her message to a global audience, as her new partnership with Dr Phil to bring Straight Talk financial clarity to more people. Her philosophy is we measure success, not just by ROI, but by return on life. Rol, love that welcome back to the show. Danny. Lynn Robinson,   Dani-Lynn Robison  24:07   thank you so much, Keith. I'm so happy to be here.    Keith Weinhold  24:10   You always have so many interesting things happening. Tell us about the Dr Phil McGraw partnership and how your messages really move beyond investing circles. Absolutely.   Dani-Lynn Robison  24:20   What I love is when we get to visit again each year, as we talk on a podcast and just as friends. And it's really exciting right now because of the message that I think is perfect timing for the world that we live in right now and how fast things are changing, and Dr Phil came into the picture to really bring visibility to what we're doing and what we're talking about, because there's urgency just around AI and technology and what it's doing to the world and the uncertainty in the marketplace. Because I'm on conversations every single day with investors who just aren't sure what to do anymore. They're just like, I'm not sure exactly where to invest. I don't know what the future holds, and we can't rely. On history anymore, and so it's that instability that we're talking about that people probably feel more than they actually articulate very well in the world and in the economy and our finances. I mean, I don't know if you heard the stat, but chat GPT reached 100 million users in 60 days, like fastest adoption of technology and human history. So really, Dr Phil was, how do I get this message out to the world in a bigger way? And he brings such visibility to everything that he does. So does the documentary, so does the new book. So I'm putting it all together and doing lots of things, and I'm super excited.   Keith Weinhold  25:37   Dr Phil does more than just lecture teen girls that are brats to their parents, Dr Phil needs to invest as well. And you know, Danny, part of the stability that you offer and what you're into is just sort of this premise that we know as real estate investors, that not all real estate is created equal. For example, look at what happened to the office space post covid, and you really are formative with needs based real estate, like I said, and where capital's flowing now into that more resilient sector. Can you tell us more about that?   Dani-Lynn Robison  26:14   Yeah, absolutely. So let me touch on a few other things about AI and technology, and we're going to run into this analogy that I like to use about the river. So right now, with what everything that's going on, I'm calling it the final frontier, the final frontier of building wealth as we know it. And the reason I say it that way is I'm a big believer in not talking about fear based messaging, like I hate things that like the news that just brings fear into your face and makes you scared of everything that's going on, but I am a fan of being real, right? And everything that's going on right now, like as careers are changing over the next five to 10 years, we're just talking with high income earners about what's going on and why we're doing what we're doing, why we're positioning ourselves into what I call this river analogy. And it's because of another stat. There's a bunch of them, but I remember this one always top of mind because it happened five months ago, and I saw it in the news, and I was like, oh my goodness, it's already started, and that's just UPS cutting 48,000 jobs, right? And like I said, I've got articles that are just like, you can just see it, and everybody again feels and see it coming like the writing is on the wall. So when we were looking at what we want to do over the next five to 10 years, as we see what's happening, we're always evaluating that and figuring out where we want to position ourselves and why. And that's where this recession resilient real estate came in. Needs based real estate came in. The phrase not all real estate is created equal, came in, and it's what I'm shouting from the rooftops here, because I think no matter where you invest and who you invest with, I think this is a conversation worth having and questions worth asking. And so the visual I like to use is this, imagine standing on the bank of a river, right? So the water is moving in one direction, towards the path of least resistance. It doesn't fight geography. It flows exactly to where it's needed. So when we talk about real estate, we're talking about where is money flowing right now, in real estate. So we've always invested in the Midwest and southeast. That's where, you know population growth is. A lot of people are investing there. And then we chose three asset classes that I talk about a lot, and this is things that your listeners should write down. If you're driving, don't write down. Just remember it. So the first one is workforce housing. So we chose that one because one in nine Americans live in workforce housing today. Construction has dropped 40% since 2023 so there's a huge supply gap. The second asset class is senior housing, the silver tsunami. I'm sure you've heard of that. Yeah, 10,000 Americans every single day are turning 65 until 2030 and then, if you study all of the stats and you watch the timing of retirement, this ripples like into 2040 so it's 14 years for this asset class that's going to be really, really great for us to be investing in. We're getting very fast, yes, yes. And then the one I was surprised by was self storage. This one, I didn't, I didn't even think about as a recession resilient asset class, but it's actually outpaced traditional real estate over the last 15 years. For some reason, when people are looking at their bills and what they choose to pay, storage is one of them. They want to protect the things that they own, their family heirlooms, whatever it is, businesses want to protect the things that they have, they're putting it in storage. So those are the three asset classes that we're investing in. So our strategy isn't predict markets. It's positioning in that river, right where is the money flowing to? And it's workforce housing, senior housing and self storage. So I always tell people, the question isn't Are you investing in real estate? It's what real estate are you investing in, and are you positioned where the capital is flowing towards, or are you trying to swim upstream? And so that's the needs based versus wants based. Real Estate like the wants based, you nailed it, like luxury apartments, vacation rentals, Class A developments, office and retail space, whereas needs based. Place are the three asset classes I just talked about, because people need a place to live. They always need to care for their aging parents. They always need storage. And these are just things that people cannot live without.   Keith Weinhold  30:12   It doesn't surprise people that workforce housing, which is basically entry level housing, and senior housing, are recession resilient. What surprises some people that aren't in the real estate space is how resilient self storage is. Even in recessionary times, people will not give up that storage locker. They get incredibly sentimental off things that have very little value. Or, you know, they're 1985 baseball cards of Roger Clemens or something. They will continue to pay for that self storage unit year after year? Yeah. Now I know that you often discuss what you call the wealth window, why you feel like this specific moment is different in real estate, and why acting beats waiting. Tell us about that.   Dani-Lynn Robison  30:55   What I'm referring to in the wealth window is that point in everybody's life where the combination of active income and compounding is at its peak, right? Because it's always, always, always easier to build a passive income stream when you already have active income working for you. And so I use an example. Doesn't matter what type of career that you have, but imagine somebody investing $2,000 a month at 35 and how that performs compared to somebody who waited till 40 years old and they started investing 4000 a month. So the 40 year old actually doubled the amount that they're investing per month, but the 35 year old is likely going to outperform all the time because of the compounding effect of those five years where they started earlier. Incredible how that works. Yeah, it's incredible. So it's that wealth window that I like to talk about, that people, especially right now, with what's going on I'm getting on the phone. They're like, Danny, this is where my money is. And I know it's not where it should be, but I just don't know what to do. It's this uncertainty. And so I like to talk about the wealth window that, hey, it's not just the return that you're going to be getting because your money's working for you and not sitting in either a place that's getting no return or a very, very low return, but it's also the window of time in which you can actually grow in very, very big ways and allow it to outperform somebody who starts later in life. So I call it the whale of window, because I wanted this imagery of the window closing, and that every single day the window continues to close. And right now, what makes it different than history is what's happened over the last 20 years and what's going to happen over the next 20 years is drastically different. And again, not trying to go fear based messaging, because I hate that more than anybody else, but I am trying to keep it real, right? Careers are already disappearing. I've got a book coming out this next month for physicians, and I was studying what's happening to their industry, right? And we have a lot of engineers that are on our private investor briefings. And as I'm studying those industries, I'm watching things that we maybe wouldn't realize are going to go away, and I'm seeing how it's already started, and that there's some industries or niches within those industries, they're going to go away faster, and that this conversation is not for particular people. It's for everybody, all of us, over the next 510, years, we don't know what's going to happen. We can't predict it. So there's a couple other stats that I wrote down to share on this, because a lot of the people I'm talking to are still sitting in the stock market because they wanted you know something that they were familiar with, right? And something that they knew that they could get their capital out if they wanted. Yeah.   Keith Weinhold  33:25   And we're here at a time when valuations based on PE ratios are near all time highs in the stock   Dani-Lynn Robison  33:31   market, yes. And so the stock market right now. There's two articles that I talk about all the time on my briefings, and the first one was because I just looked to see what's happening recently. And you may even know something that's happened more recent than these. But February 5, Reuters reported us. Software stocks lost nearly a trillion dollars in a week. And I was like a week, and in that article, it was Microsoft and Salesforce as to the service now, I think was in there too. That dropped like five to 7% disruption there, yes, yes. And the Wall Street Journal reported February 3, 300 billion wiped off software in a single day. And so this AI and technology disruption. It's real, and it's in the headlines. And for all of us that who see it coming, it's just moving faster. And I think any of us realize everybody to talk to, they're like, I can't even keep up anymore. I can't keep up with what's going on the market, what's working, what's not working. Every time I try to adapt to something new, something new comes out tomorrow, and we're just kind of stuck in this place of uncertainty. So that's why, again, I'm just really having this big conversation about the time is now. Getting clarity is important right now. Taking action, even if it's small, is important right now, knowing where your money is and whether you can rely on it later is important right now. And for me, needs based real estate is where it's at.   Keith Weinhold  34:49   Few people that are well thought through, in my opinion, believe that AI is going to permanently reduce the workforce, but it could in the short term, but long term, when you look at. The advent of any new invention, it often creates more jobs, but just shifts where they're going to be, whether that's the steam engine or the automobile or electricity or the advent of the Internet. That has what has happened every time, really no substantial net job loss, at least in the long term. But we all need to evolve. We all need to learn and stay current on this. And Danny Lynn, I know that part of the evolution that you talk about for investors is that from operator to allocator tell us about that. Yeah.   Dani-Lynn Robison  35:35   So I love this conversation, because it's not something that people talk about a lot. I bet you have, because you have gone through this journey, right? So I'm going to call stage one landlord. It's where a lot of people enter real estate, because when you want to become a real estate investor, we all aren't sure where to start, but we've already reached ad for dad. And So level one is landlord. Stage two is turnkey, which you talk about a lot on your podcast, and it's kind of that done for you, landlord, rental model. And then stage three is like funds and more passive investing, which I call the allocator model. So how I define operator now, allocator is really in this stage one, stage two, stage three, right? The operator is stage one, landlord, you are doing it, right? You're finding the property. Maybe you're renovating it. Maybe you're doing you're just doing a lot of the work yourself, because maybe you're new, and that's how you think it should be done. So you're the operator in that situation. Stage two turnkey. Now it's done for you right now. You really just need to look at the opportunities, the properties, and you get to choose one, but somebody else found it, they renovated it, they placed a tenant in it. They're probably going to manage it for you. So this one, I think you're part operator, because you are managing some aspects of it. It's still yours. You still control the asset. But you're also part allocator, because you got to just deploy capital into something that somebody else helped do a lot of that work that an operator normally would do. So that's like, kind of your middle ground stage two, right? Which is a great place to be. And then stage three is that discovery of funds, where you can actually deploy capital into people who do everything for you, and you can get, you know, quarterly distributions, or allow things to compound, and you don't have to do any of the work. So those are the three stages that I talk about. And I know you are involved in two out of the three. I am two. You may tell me you're involved in all three, but I know for sure you're involved at a two out of the three, and I think a lot of people are. We've had investors come to us with rental portfolios, and they decided they wanted the mix, right? They wanted to keep some of the properties. They also wanted to liquidate some of the property, or they kept their entire portfolio, and decided, I just want to add funds to the mix. Because you talk about this a lot on your podcast, and that's getting time back right? The return on time. That's why I like return on life, because I think our time is probably our most precious asset, more than finances. In my opinion, I want my time. I want to be able to choose where it's spent. And really, that allocator, this is the banks, right? They're at the top of the pyramid in terms of wealth, the banks and what do they do? They deploy into good operators. So I just think it's an important conversation to have, and it's why I do funds and syndications, and I do that more than anything else, because I saw the lives of my investors turn, and they were just so much happier because they weren't having to manage as much. And again, they still, many of them balance between the two. I just think it's a really great conversation to have    Keith Weinhold  38:26   this metamorphosis from operator to somewhere in the middle, like a turnkey investor, and then finally, an allocator. Yeah. I mean, you're spot on. And that describes me perfectly. I began as an operator where I thought I had to manage my own properties, and I only did that in my local market. Then I learned about turnkey real estate investing, which is still squarely where I am as an investor, but increasingly I do more and more of the allocation because it is substantially more passive, and really that's where you come in. You help me be the bank in many cases, and as a turnkey investor. Oppositely, I want to be the borrower and create leverage and all that. But in the allocator phase, it can make sense to be a lender with liquidity, and you offer this private money lending that I participate in and help me be the allocator. So tell us more about that, and really just what qualifications one needs to invest    Dani-Lynn Robison  39:24   Absolutely. So we have multiple offerings. The one I talk about a lot right now is our freedom notes. And like you said, it's very much like private money lending. It's a promissory note. So one of the things that I've never liked about investing is sometimes it's very confusing how it works. And I say this is Warren Buffett. Actually, you should never invest in something you don't understand. But that's like, my mindset as well as like, if I don't understand it, if it's too complicated for me to understand, then I don't want to invest. And so we've always gone about everything. And you can take, you know, every single podcast I've done with you right from the very beginning. Okay, we just keep things simple. And so freedom notes and all of our offerings are essentially a promissory note of sorts, and you get fixed returns, and it depends on how much you invest. We do have both accredited and non accredited options. The Freedom note is an accredited offering. It does have fixed returns up to 14% and then we actually put in a 2% bonus on top of that for people who do invest long term. And here's why I do that, we're going to be talking about calm capital in a little bit. And I believe in boring investing, right? I believe in investing long term, because emotional investors tend to lose in the end, because they're always moving their money in and out. And it just doesn't work for you long term and so although we give annual liquidity options, giving people the option to get their cash back out once a year, we do that for peace of mind, more than anything else, less than 10% of our investors actually want their cash back. They do believe in the power of long term wealth building, but they love, love, love, the peace of mind that they can have access to their capital if they need it, right? And so that was really, really hard to do in real estate, because real estate is illiquid, right? So we had to work with an attorney for a very long time to figure out how to do it. How do we offer this option, knowing that our money is tied up in real estate? And so it was a lot of conversations back and forth, but we figured it out. Obviously, there's a notice that you have to give us, and we have to have the ability to get the money out of that real estate to be able to give it back. So there's lots of moving parts, but the option is there for peace of mind. So we do that. We also created an income path and a growth path, because some people are at a stage of life where money matters. They actually want the income some people like me at a stage of life where I just want it to grow, and I want to grow as fast as possible, so I invest as much as possible, get the highest return I can, and then I want it to continue to compound, to accelerate that growth. And use time from my side.   Keith Weinhold  41:52   What are the minimum investment amounts? And can you use your 401, k or IRA to invest?   Dani-Lynn Robison  41:57   Yes, so $25,000 is the minimum. So again, we're keeping it accessible to everybody, and you can use your retirement accounts to invest some 401 ks have different rules. Our team can walk you through what those rules are and what to ask in order to determine how to deploy those funds into our investment opportunities.    Keith Weinhold  42:13   Do you put your own skin in the game on these investments? Tell us about that. I mean, I already know the answer, but let the audience know,    Dani-Lynn Robison  42:21   yes, 100% in fact, flip and I, we invest one yes, flip is my husband. Thank you for you and I have been friends for so long. You know who flip is, but my husband flip and I, yeah, we invest 100% in everything that we do. In fact, all of our money is we used to be a little diversified, and we forget that we're just investing in us and our businesses and our real estate. So we do have skin in the game, not just us, our company as well, invest alongside. So we're along the ride with you guys. We believe in this as much as everybody else, and that boils down to character. There's something that I tell people when they're talking to people that they're going to invest in what's most important when I'm on the phone, people say, Danny, what should I have asked that I didn't ask, and sometimes they don't ask that. And so I tell them to I said, this isn't the question you should have asked. And so I always tell people I answer in different ways depending on what we're talking about, but I talk about character. I said, I don't care about my returns when I'm investing. I care about the person I'm investing in, right? That comes first before anything else. Because I don't care if you told me I could get 20% possibly, but if you run away from a deal that goes bad, then I just lost everything. And I could have invested at a lower return with somebody who actually had character and who was going to stay in the fight no matter what happens. And I think we talked about this on our last podcast, Keith, just about real estate and what's happening in the industry right now, and that there are deals that have gone bad, and I've personally had a partner of mine want to leave investors hanging. We bought the deal out from under them. We just said, Nope, you guys can leave. We're taking over. Because I'm never, ever going to do that to my investors. And I think our very first podcast with you, it was talking about the worst deal that we had in a private home. Yeah, our private lender who lend it honest, never even knew what happened to that property, because I paid them everything that they were owed, plus their interest. And they didn't have to know. I would have transparently told them what was going on. But to me, it's just like, this is just my job. This is my duty. Like you trusted me with your money. I'm going to make sure you get everything back. So when I talk about these stories, it's not really stories that I talk about a whole lot, except for that, I relate it to character, and I think it's important for people to know this is one of the questions you should know to ask. It's not just what are you investing in? It's not just what's your track record. It's not just what's your returns. It's who are you as a person, and things are going to go wrong, right? This is life. This is real estate. All you do know is it. Don't know that's right. So things will go wrong. What happens when things go wrong? What happens to the company? What happens to you? What happens to the investors? That is so incredibly important,   Keith Weinhold  44:48   those that put together private money lending offerings like freedom family investments, they can't say that something is a guaranteed return, even though they have a 100% track. Record of investor payouts that's also on time. It's regulated by the SEC the Securities and Exchange Commission. And in the SEC world, guarantee is not a word that you can use. You get a preferred return, meaning that the investor gets paid first and FFI gets paid last, even though the ones putting this all together? Well, Danny Lynn, tell us more about calm capital. I know that's the philosophy behind your upcoming book.   Dani-Lynn Robison  45:31   Yeah, absolutely. So I love the conversation around calm capital because it refers to the whole boring investor idea, right? And letting your money sit and work for you over time, and that's how real wealth is built. So I believe capital preservation should come before aggressive protections. I believe downside protection should come before upside stories. I believe that you don't build and create a strategy around good times. You build and create strategies around all times, no matter what is happening in the market, and that's why needs based real estate is the thing that we stand behind the most. Because we know, no matter what this is, what people are going to prioritize. And I don't have a crystal ball. None of us do. So over the next 510, years, I'm going to invest in what I know, and I'm going to invest in things that I know will always be there and that people are always going to pay for. And that's why I sleep at night. That's why my investors sleep at night, because we are getting our time back. And that's really the philosophy around what this book is about, is just that calm money doesn't panic, because when the market panics, calm investors still win.   Keith Weinhold  46:35   Yeah, I love the premise of calm money. Well, Danny Lynn, investors and our GRE listeners have benefited from you guys's capital architecture call, a free 20 minute session that your team helps people with tell us about that and how they can learn more.   Dani-Lynn Robison  46:52   Yeah, absolutely. So the word I chose for this is window. So you'll text the word window to 66 866, and the capital architecture call is going to do five things. It's a 20 minute session. It's not a sales call. There's no obligation. Doesn't matter whether you invest with us or not, but it's going to do five things for you. First, it's going to show you how to protect and grow your capital. So this is a framework that maps out exactly how your capital should be allocated based on where you're at right now we're going to ask you if you're in preservation mode or growth mode, or maybe a balance of both. So we're just going to help you find that clarity. Second, we're going to look at your taxes. We're not CPAs and we're not tax professionals. So they said, Well, you have high level overview, but there's two ways to build wealth, right? You make money or you keep more of it. So we're going to look at the keep more of it piece and see where some of that is disappearing, and how you can legally structure things to be able to keep more of that and allow that money to be working for you. And then third, we're going to teach you our it's called the Magnus Investment Framework. My marketing team came up with that word. I always laugh when I say it, Magnus, honestly, yeah, it's honestly just the lens on how we're choosing our markets and the asset classes that we enter and which ones we stay away from. A lot of that we talked about today, because it's the conversation that I'm really having and talking about a lot. Fourth is just priority access. This just means a lot of investors are always looking for the inside track, right? They want to know, where do I find these market opportunities? Where do I find the opportunities that everybody else is trusting and I don't know how to navigate my way through the noise. So just by jumping on this call, you're going to be added to our list, and it just means you're going to get first access to anything that we're doing, or anything we're talking about or exploring that also rolls into the last one. This is just for a select few people. We do have $1 amount of a qualification, dollar amount of whether you can do this? And this is just ownership partner program. So I'm actually taking people and taking calls where they say, Danny, I want to own a property with you. So again, it has to make sense for us to actually do that, so we're looking at higher dollar commitments. But if that's of interest to you, when you jump on a call to say, I want to talk about the ownership partner program, they'll find out exactly where you're at, what you want to invest, if it's actually going to meet your goals, and then if it does, then you'll jump on a call with me and we'll talk about the deals that we're looking at. This is really where you get into the point where you get the massive tax advantages, right? Because you're an actual partner with us on the deal. And so the goal with all of this is just to be specific, because you and I can be talking about generalities all we want, but it comes down to your specific situation, right? Your specific goals. What's going on in your life? Where are you right now? Where do you want to go? And so that's what we do on that call text window to 66866,   Keith Weinhold  49:43   for you the listener, just think about if these insights can be personalized for your own situation. That's what you can get on a capital architecture call. And really everything is built around your specific income, your goals, your situation, you. And every person is going to walk away with more clarity than what they came in with, whether they invest with freedom or not. Yeah, it is a very approachable 25k minimum. Consider booking a free 20 minute capital architecture call just text window to 66 866, Danny. A lot of insights here that every investor is going to find helpful. It's been great having you back on the show. Thank you,   Dani-Lynn Robison  50:25   Keith, it was pleasure being here.   Keith Weinhold  50:32   Yeah, the life stages of investor, operator, turnkey investor, and then allocator, with the first one operator. You might think you have to be one first, but you don't. Then turnkey investor. Turnkey investor is a nice place to be. That's a real sweet spot for a lot of people. You get all the real estate pays five ways, advantages of direct ownership plus control. And then finally, the passive investor, the most passive, the allocator. So nice breakdown from Danny Lynn Robinson today, yeah, one way they help is offering freedom. Note, so what I do is, by making a loan to them, I get a stable return with the passivity of a mutual fund, but it's certainly not a mutual fund, and I get moderately good liquidity too, fixed returns, cash flow. This is a cash on cash return of 8% 10% 12% and up to 14% depending on what your liquidity needs are, and more largely backed by this needs based real estate, workforce housing, Senior Living and self storage. If you think that they can help you with that or something else, it can be a good use of your time to book a quick capital architecture. Call with them. Just text the word window to 66 866, text, window to 66 866, now, next week, it's milestone episode, 600 debt is the American dream. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Keith Weinhold  52:16   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  52:44   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Watch this talk with video: https://youtu.be/9taDxPz668g Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from Matthew 21:1-11. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/mo8R5mLLl-E Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The reading is taken from Luke 4:14-21. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/bot2VgK98rk Sermon by Shirley Agar at St Saviour's Church, Sunbury. The reading is taken from Mark 10:42-52. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Annie  - The Garden Mind Body On the Figuring Out That it is All Connected: ""I was so skeptical because I was like, how is working with my mind going to change what my body's doing?" Pain seems to be everywhere.  In our bodies, often we have the aches or headaches that seem to have no real reason for existing other than to feel like misplaced karma. But what if the aches in the body were due to issues in the mind?  What if you realized that everything in the body is connected to the mind and vice versa.  Through many challenges and illnesses and a lack of progress from typical doctor visits, Annie Kubena has researched and discovered what should be common knowledge, but isn't.  Our thoughts and our bodies live and work together, essentially as one.  Sometimes there messages are delivered by using pain as an esoteric way to inform your mind that your subconscious mind has some issues it needs you to deal with. Annie discovered this and this has led her to become a holistic mind-body coach.  She is helping others find relief from anxiety, chronic pain, and even the lingering effects of COVID through nervous system regulation, brain rewiring, and tools like somatic parts work and EFT tapping.  Annie Kubena details the ins and outs of her methods, and why tending to our “inner garden” is essential for lasting health. Listen as Annie explains how you can get the relief you need from the pain that may be slowing you down. Enjoy! Visit Annie at: https://www.thegardenmindbody.com/ Sponsors: Live Video chat with our customers here with LiveSwitch: https://join.liveswitch.com/gfj3m6hnmguz Some videos have been recorded with Riverside: https://www.riverside.fm/?utm_campaign=campaign_5&utm_medium=affiliate&utm_source=rewardful&via=james-kademan   Podcast Overview: 00:00 Listening to My Body 04:43 Listening to My Body 08:36 Long COVID's Lingering Body Effects 11:05 "Building Resilience Through Reflection" 15:53 Homeopathy and Nervous System Rewiring 18:32 Understanding People One-on-One 21:08 "Overcoming Functional Freeze Patterns" 26:24 "Vagus Nerve Healing Commitment" 27:08 "Everyone Has Their Baggage" 30:42 "Remote Coaching Works Well" 34:36 Mind-Body Connection and Pain 37:51 Surgical Collaboration Insight Podcast Transcription: Annie Kubena [00:00:00]: And also I always prioritized like work and school over what my body was asking for. So I learned how to like tune in more to what my body is really asking me for, tune in more to like impulses. I was the kind of person that would like sit at my desk for so many hours without moving, without going to the bathroom when I needed to, like anything. I was just like, I would like settle into my work and just focus and push through. And so this was really having to train myself out of that and more into like, what's my body asking me for today? James [00:00:37]: You have found Authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Downloadable audio episodes can be found in the podcast link found at drawincustomers.com. We are locally underwritten by the Bank of Sunbury, and today we're welcoming/preparing to learn from Annie Kubena. Of The Garden Mind Body Wellness. So Annie, how is it going today? Annie Kubena [00:01:01]: It's going great today. Thanks so much for having me. James [00:01:03]: Yeah, thanks for being on the show. Tell us the story. What is The Garden Mind Body Wellness? Annie Kubena [00:01:08]: Um, I am a holistic mind-body coach and I help people with anxiety, chronic illness, chronic pain, um, recover or prevent those things too through the power of the nervous system. James [00:01:21]: All right. And how do you get in there? Annie Kubena [00:01:25]: It's really a passion I have because of my own decades-long health journey. James [00:01:32]: Decades? Annie Kubena [00:01:33]: Decades long, yeah. James [00:01:34]: All right. Annie Kubena [00:01:35]: I struggled for a really long time with my health and just being a highly sensitive person in the world. James [00:01:43]: Okay. You're talking emotionally, physically, both? Annie Kubena [00:01:46]: Both. Yeah. Yeah. I've always been just really sensitive since I was a little kid. James [00:01:51]: Okay. Annie Kubena [00:01:53]: Yeah, I really struggled with my health for a very long time. I got into a lot of holistic health approaches to help myself, and then I did a 1-year-long nervous system and brain rewiring program. James [00:02:09]: Okay. Annie Kubena [00:02:10]: Just because I was like really desperate. I was like, I'm doing everything right. Like, why am I— why am I having— I kept having these cycles of like, pushing really hard when I felt well and then crashing and getting really sick. Oh, um, and I think that happens to a lot of people with chronic illness. But I did this nervous system program and realized, wow, like, I've almost never in my life just been like calm and centered on a consistent basis. James [00:02:37]: Is that an option? Annie Kubena [00:02:40]: It is, yeah. And it's what your body needs to really heal and digest food and absorb nutrients and turn over cells and all different kinds of things. So So I got into this because I'm so passionate about it and I think it's so needed in our world right now. I think people are chronically stressed and really struggling with their health, and I'm hoping that I can get to people before they have these like debilitating crashes like what I was having. James [00:03:12]: So now where are you at now, I guess, with your health? Annie Kubena [00:03:15]: Are you tip-top or I'm I'm probably realistically like at 80%, but I have all these tools where I'm like, oh, I'm starting to push too hard now. Oh. And I know when to pull back. I'm someone who just, I wanna do everything. I'm so driven and then my body kind of fights against me with that. So I have all these tools now for taking much better care of my nervous system that go really well with all the great food and movement things that I was doing. So I think it, it might take me a while. I was really sick when I was a kid and then I got diagnosed with an autoimmune disease when I was in college. Annie Kubena [00:04:00]: So, but I, I feel so much stronger now because I have this more holistic approach to taking care of myself. James [00:04:10]: Okay. Annie Kubena [00:04:11]: Yeah. James [00:04:12]: Tell me about the, you said nervous system rewiring. Annie Kubena [00:04:15]: Yeah. James [00:04:15]: I've never heard of that. So tell me what that is. Annie Kubena [00:04:18]: Yeah. Well, I think for most of my life I ran on adrenaline. I motivated myself with stress and I really had to change my way of being to one where I could say I can do, I can do life and do everything I want from a more centered, relaxed place. James [00:04:41]: Okay. Annie Kubena [00:04:43]: And also I always prioritized work and school before, like over what my body was asking for. So I learned how to tune in more to what my body is really asking me for, tune in more to impulses. I was the kind of person that would sit at my desk for so many hours without moving, without going to the bathroom when I needed to, like anything. I was just like, I would settle into my work and just focus and push through. And so this was really, having to train myself out of that and more into like, what's my body asking me for today? How can I prioritize like grounding before I like just dive into my work or dive into the day or taking care of other people or other things? So that was part of it. Another part of it was just training my nervous system not to react to everything. So I had a point in my health where I was like reacting to almost every food I ate. James [00:05:47]: Like physically rash type stuff? Annie Kubena [00:05:49]: Yeah, just like all different kinds of reactions. Okay. But some, sometimes it would just be a stomachache or a headache. Sometimes it would be a rash, but I was down to like barely being able to eat anything without like feeling sick. James [00:05:59]: Oh. Annie Kubena [00:06:00]: Because my nervous system was in such a, such an activated state all the time that it can start just tagging a lot of things in your environment as dangerous. James [00:06:12]: Oh. Annie Kubena [00:06:13]: It's like, oh, you're in a state of fight or flight and you are eating a strawberry. You must be allergic to, you know, the strawberry must be dangerous. And so it just, our nervous systems were never meant to be in that state like all the time. So anyway, part of the program was exposing yourself to things that you're reacting to and like staying really calm, just small amounts at a time. So I started eating like small amounts of the foods I was reacting to. I started, listen, like sounds were something that really bothered me. So I started like exposing myself to louder sounds and then keeping myself calm so that my body could learn that the world is a safe place again and stop reacting to everything. James [00:07:01]: All right. Annie Kubena [00:07:01]: Yeah. James [00:07:02]: And was this a program you went through or is this something you did on your own? Annie Kubena [00:07:06]: Yeah, it was a program I went through. It's called Primal Trust. It's a nervous system regulation and brain retraining program. I did a lot of my own stuff too. I learned a lot about somatic parts work, which is, um, it's a therapy style called Internal Family Systems where it's like the movie Inside Out. James [00:07:26]: Okay. Annie Kubena [00:07:27]: You kind of work with your anxious part or your angry part or— yeah. So you really like learn a lot. Um, through that I really learned a lot about parts that were reacting and why.

Watch this talk with video: https://youtu.be/738GSODNoFM Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from Matthew 28:16-20. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch the full service here: https://youtube.com/live/JjHeo1N69KA Sermon by Revd Gillian Harrap at St Saviour's Church, Sunbury. The reading is taken from Acts 2:42-47. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/msuD1suMt5E Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The reading is taken from Mark 12:28-34. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video: https://youtu.be/bm-uJFS9b2g Sermon by Paul Cook at St Saviour's Church, Sunbury. The reading is taken from Nehemiah 13:10-14. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Bav Majithia talks with James Scott from PTL – Professional Traders Limited about the business based in Sunbury-on-Thames.

Watch this talk as a video: https://youtu.be/yrjvZbAEYvQ Sermon by Revd Gillian Harrap at St Saviour's Church, Sunbury. The reading is taken from Nehemiah 8:5-12. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

We return to a place we haven't seen since Episode 1, back when I had no idea what I was doing, in order to do Northumberland and Sunbury the right way.  Northumberland and Sunbury are getting the full treatment they deserve, over three years after I first stumbled through them. History, geography, and of course, a look at some of the more interesting and fun spots in both towns, including Pineknotter Brewing, a pinball bar, and the Squeeze-In, a narrow hot dog joint that's been serving up dogs five seats at a time since 1945 [correction to the podcast, BTW: the Squeeze-In is not 12 feet wide, it's only eight feet wide!].  I interviewed Curt and Thad Benner, 4th generation Sunbury natives and brothers, who opened Eclipse Craft Brewing 7 years ago. Curt makes great beer, Thad makes great pizza, and they also have teaberry vodka. Can't beat it!  What I'm Drinking Today is a 16 year old Tomintoul single malt, and it was wonderfully relaxing. The Smack Dab In The Centre segment is a reminder to grab yourself a new Central PA Tasting Trail passport, and start getting your ticket punched for tasty drinks and great discounts.  Your Uncle Lew also has a little 'love connection' advice about Valentine's Day. No, really, I do!  Next episode should be a chat with Elk Creek chef Jon Forshey about making stews, and there's a lot more to it than I realized.   See you in two weeks! Until then? TELL YOUR FRIENDS ABOUT THE PODCAST! Seen Through A Glass is sponsored by the Happy Valley Adventure Bureau. Come visit Centre County!   This episode uses these sounds under the following license: Creative Commons CC BY 4.0   https://creativecommons.org/licenses/by/4.0/ "Champ de tournesol" by Komiku at https://www.chosic.com/free-music/all/ arrow-impact-87260 Sound Effect found on Pixabay (https://pixabay.com) "Glow" by Scott Buckley | www.scottbuckley.com.au  Music promoted by https: //www.chosic.com/free-music/all/ All sounds sourced by STAG Music Librarian Nora Bryson, with our thanks.

Watch this talk with video on our YouTube channel: https://youtu.be/-VntPJqcung Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The readings are taken from Nehemiah 9:38,10:32-39. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video on our YouTube channel: https://youtu.be/cyAE8jyrhpA Sermon by Revd Clay Amira at St Saviour's Church, Sunbury. The readings are taken from Nehemiah 4:6-10, 6:9-10. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Jayden Manno, Licensed Estate Agent / Auctioneer, Raine and Horne,Sunbury & Essendon, joins DJ for the Real Estate Show.See omnystudio.com/listener for privacy information.

Watch the full service here: https://youtube.com/live/KD2KQQybtBk Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The reading is taken from Nehemiah 2:17-18. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

Watch this talk with video on our YouTube channel: https://youtu.be/utoh15Yl9HY Sermon by Revd Allen Bower at St Saviour's Church, Sunbury. The readings are taken from Nehemiah 1:1-11, 2:4-5. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

In 1966, fresh out of college, a young VISTA volunteer arrived in Sunbury, Pennsylvania—assigned to live with a low-income family in a home sitting just feet from an old railroad track. It was meant to be a simple placement during training. Four days in the house, then back to the main site.But the first night changed everything.Waking fully alert, she felt a hand close around hers—steady, human, and unmistakably present. What should have been terrifying felt strangely welcoming… until the next morning, when a child quietly asked the question no one wanted spoken out loud: “Did anything happen to you in that room?” #RealGhostStories #TrueGhostStory #ParanormalPodcast #HauntedHouse #PennsylvaniaHaunting #ParaormalActivity #RailroadHaunting #Apparition #AtticDoor #TactileHaunting #GhostEncounter #GhostsLove real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Watch this talk with video: https://youtu.be/Le-CE9S02v8 Sermon by Paul Cook at St Saviour's Church, Sunbury. The reading is taken from Ephesians 3:1-12. For information, contact details, and to give to the work of St Saviour's, visit https://www.stsavs.org/

The Ashes is one of the most famous and ancient traditions in cricket history, and few people know that its iconic trophy was crafted in Sunbury, a suburb of Melbourne. This story adds a new dimension to the history, tradition and centuries-long rivalry between Australia and England. - ایشز کرکٹ کی تاریخ کی سب سے مشہور اور قدیم روایات میں سے ایک ہے اور بہت کم لوگ جانتے ہیں کہ اس کی علامتی ٹرافی میلبورن کے ایک مضافاتی علاقے سنبری میں تیار کی گئی تھی۔ یہ کہانی کرکٹ کی تاریخ، روایت اور آسٹریلیا و انگلینڈ کے درمیان صدیوں پر محیط رقابت کو ایک نئی جہت دیتی ہے۔

Prayer is filled with promise. The Lord hears and answers us according to His gracious will. He provides us with the gift of the Lord's Prayer, that we may confidently come to Him, knowing He will give us what we need. Our shelter and protection rests in our prayers as a weapon against the devil and the sinful world, not because of the prayers themselves, but because of the power of the One who hears. We can utilize His Word for prayer, especially when we are at a loss for words. It is His Words that give us the Holy Spirit and provide a clear conscience in Christ. Rev. Ben Meyer, pastor at Hope Lutheran Church, Sunbury, OH, joins Rev. Brady Finnern to study the Lord's Prayer as found in the Large Catechism. To learn more about Hope Lutheran, visit hopelutheransunbury.org/home.html. Find your copy of the Book of Concord - Concordia Reader's Edition at cph.org or read online at bookofconcord.org. Study the Lutheran Confession of Faith found in the Book of Concord with lively discussions led by host Rev. Brady Finnern, President of the LCMS Minnesota North District, and guest LCMS pastors. Join us as these Christ-confessing Concordians read through and discuss our Lutheran doctrine in the Book of Concord in order to gain a deeper understanding of our Lutheran faith and practical application for our vocations. Submit comments or questions to: listener@kfuo.org. 

Love the show? Have any thoughts? Click here to let us know!We're headed to the Keystone State — Pennsylvania! We share two vastly different stories that have the same eerie question: are they fact or fiction? First, Lauren dives into the chilling case of Miranda Barbour, a young woman whose shocking confession blurs the line between truth and tall tale. Then, Kenzie unravels the legend of the Squonk, a pitiful creature said to wander Pennsylvania's hemlock forests, weeping over its own less-than-desirable appearance. But when cornered, the Squonk's sorrow takes an even stranger turn—and you'll have to listen to find out what happens next. Join us as we investigate whether there's any truth behind these heartbreaking stories.--Follow us on Social Media and find out how to support A Scary State by clicking on our Link Tree: https://instabio.cc/4050223uxWQAl--Have a scary tale or listener story of your own? Send us an email to ascarystatepodcast@gmail.com! We can't wait to read it!--Thinking of starting a podcast? Thinking about using Buzzsprout for that? Well use our link to let Buzzsprout know we sent you and get a $20 Amazon gift card if you sign up for a paid plan!https://www.buzzsprout.com/?referrer_id=1722892--Works cited!https://docs.google.com/document/d/1Dq_0tJvFgEFuU1ZpZQ3E_LcuLc-RrTML8fSt9ILWb6k/edit?usp=sharing --Intro and outro music thanks to Kevin MacLeod. You can visit his site here: http://incompetech.com/. Which is where we found our music!

Adam Bremner from No Sunbury Waste Incinerator was interviewed on Green Left Radio on 3CR on October 24 about the community campaign opposing the construction of a waste incinerator. He is also a teacher and unionist. You can listen to the full edition of Green Left Radio here. We acknowledge that this was produced on stolen Aboriginal land. We express solidarity with ongoing struggles for justice for First Nations people and pay our respects to Elders past and present. If you like our work, become a supporter: https://www.greenleft.org.au/support Support Green Left on Patreon: https://www.patreon.com/greenleft Green Left online: https://www.greenleft.org.au/ Facebook: https://www.facebook.com/greenleftaction Twitter: https://twitter.com/greenleftonline YouTube: https://www.youtube.com/greenleftonline TikTok: https://www.tiktok.com/@greenleftonline Instagram: https://www.instagram.com/greenleftonline/ Podbean: https://greenleftonline.podbean.com/ Telegram: https://t.me/greenleftonline Podcast also available on Spotify, Apple Podcasts, Antennapod, Itunes and PodcastAddict.

Featuring the latest in activist campaigns and struggles against oppression fighting for a better world with anti-capitalist analysis on current affairs and international politics.Presenters: Chloe DS, Stephanie Mierisch, Jacob Andrewartha.NewsreportsHeadline news discussion of the Carlton club mascot sacked after walking out of young fan's Bar Mitzvah because it raised funds for the IDF.Report on proposed cuts to community health services and actions that are being taken in response.Discussion of articles from the pages of Green LeftAnti-racist protests say gov't policies to blame for housing, cost-of-living crises United States: No Kings Day — ‘We are the majority' Interviews and DiscussionsAdam Bremner, member of No Sunbury Waste Incinerator, local teacher and unionist talks about the community campaign opposing the construction of a waste incinerator. You can listen to the individual interview here.Recording of a talk by Mary Merkenich from the Socialist Alliance Relevance of Marxism seminar on October 18 discussing the significance of Lenin for socialist politics today. You can listen to the individual speech here.

Obedience to the 4th commandment would bring abundant provision for all. Yet, we esteem His Word as if a simple peddler had spoken it. The Lord gives us both fathers by blood and spiritual fathers. Spiritual fathers, that is, pastors, are given the least amount of honor, despite the clear words of Scripture (1 Timothy 5:17-18). The following of this command is dependent upon families faithfully catechizing their children in the honor required toward parents. The Lord will bless this teaching for well-educated, humble, and faithful children. The Lord grant it!  Rev. Ben Meyer, pastor at Hope Lutheran Church, Sunbury, OH, joins Rev. Brady Finnern to study the 4th commandment. To learn more about Hope Lutheran, visit hopelutheransunbury.org/home.html. Find your copy of the Book of Concord - Concordia Reader's Edition at cph.org or read online at bookofconcord.org. Study the Lutheran Confession of Faith found in the Book of Concord with lively discussions led by host Rev. Brady Finnern, President of the LCMS Minnesota North District, and guest LCMS pastors. Join us as these Christ-confessing Concordians read through and discuss our Lutheran doctrine in the Book of Concord in order to gain a deeper understanding of our Lutheran faith and practical application for our vocations. Submit comments or questions to: listener@kfuo.org. 

In this episode, join us for a delightful conversation with Tammy and Tom Webb, the owners of Spyglass Ridge Winery in Sunbury, PA. Discover the story behind their family-run vineyard, winery, restaurant, and their popular wine-based sodas. Learn about the history of their journey, the variety of wines they offer, and the exciting events they host, including concerts featuring big-name bands. Plus, learn all about their community involvement, commitment to quality, and the unique experiences they provide through Hipcamp and Harvest Host.If you or someone you know wants to be featured in our next podcast, message us on Facebook!

Access // Top 10 themes from Romans (Part 5) // Mike Sunbury by Cuhow

Access // Top 10 themes from Romans (Part 5) // Mike Sunbury by Cuhow

High above the meeting point of two mighty rivers, where the Susquehanna splits into its North and West Branches, stands Shikellamy State Park. Perched on a forested bluff in central Pennsylvania, this park offers more than just scenic overlooks. It's a gateway to the natural beauty, cultural history and outdoor adventure of the Susquehanna River Valley. Shikellamy State Park is a place where geography and heritage intersect. The story of the park and the story of the Native American tribes that called it home are forever intertwined. In the 1700s, the Haudenosaunee Confederacy took control of the surrounding area.  Nearby Shamokin – whose name means “the Place of Eels” - was one of the most important Indigenous cities in Pennsylvania during that time. The resident Haudenosaunee welcomed tribes including the Conestoga, Conoy, Nanticoke, Tuscarora, Lenape and the Shawnee displaced by settlers.The French and Indian War, the American Revolution and the purchase of the land by Commonwealth of Pennsylvania forced many of the Indigenous people in Pennsylvania to move west or north.The park – which is made of up two separate sections – held numerous purposes over the years. It was an air strip, homestead, farm, “pleasure ground,” amusement center and hotel before becoming a state park in 1962. Shikellamy State Park's two distinct areas is the marina along the river in Sunbury, and the scenic overlook high on the bluff in Northumberland. Each area offers a different experience—from peaceful boating and fishing on the Susquehanna to breathtaking vistas of the valley below. It's a rare park that invites you both to explore water-level wilderness and to rise above it all for a bird's-eye view.Shikellamy's unique location has made it a hub for both recreation and reflection—a place where families come to picnic, hikers go to find solitude, and birders gather to catch sight of bald eagles soaring over the river.But Shikellamy isn't just about quiet beauty—it's about connection. The park sits at the crossroads of culture, drawing in people from nearby towns and beyond. Whether it's for community events, wildlife watching at the overlook, or simply taking a moment to breathe in the valley air, visitors come here to feel grounded.There's a rhythm to this park—seasonal, historical, natural. Spring floods give way to summer sun, and autumn paints the hills in brilliant reds and golds. And in every season, Shikellamy offers a chance to see the world from a new perspective—both literally and figuratively.On this episode, I speak with Ben Bender. Ben is the park manager of the Shikellamy State Park complex. Be sure to support our 2025 sponsors:Keystone Trails AssociationPurple Lizard MapsPennsylvania Parks and Forests FoundationSisters' SunflowersSupport the showVisit our website to learn more about the podcast, to purchase merch and to find out about our incredible sponsors. Follow us on Instagram and Meta to stay connected. Hosting, production and editing: Christian AlexandersenMusic: Jon SauerGraphics: Matt Davis

Long range forecasts are predicting an especially hot summer, and that could mean higher demand for electricity. Federal regulators are warning the margins between electricity supply and demand are shrinking. Recipients of government assistance are increasingly falling victim to electronic thefts. Bipartisan legislation in Pennsylvania would require a report to detail how the state could make the leap to chip cards. Renovations are underway at Sunbury's City Hall. Mayor Josh Brosious says the upgrades are much-needed for the improved safety of city employees. A Cumberland County woman is facing charges after police say she hit a basketball official with a tripod at a Spooky Nook Sports event earlier this month. Thirty-two year-old Taylor Hair is charged with assault on a sports official and disorderly conduct. As the current school year begins to wind down, one state lawmaker is looking ahead to the next school year. A bill introduced by western PA state Rep. Andrew Kuzma would establish an annual sales tax holiday, beginning the first Friday of August and lasting for one week. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Francis Scarcella - Miranda Barbour: Inside the Mind of a Teenage KillerJan 11, 2024The Satan worshiping teen charged with murdering a 42-year-old man she lured through Craigslist claims two other men responded to her ad but failed to show up.Miranda Barbour, 19, and her husband, Elytte Barbour, 22, are accused of stabbing and strangling Troy LaFerrara in Pennsylvania, after he responded to her ad for 'female companionship' in November.However Barbour now claims that two other unidentified men narrowly escaped death by failing to keep their appointments.'I tried it a few times but it never worked out,' Barbour told The Daily Item in her second jailhouse interview in six weeks.'I knew we (Elytte Barbour) were going to do this since the day we met, and we tried, but the others just didn't show up.'Barbour claimed in her first jailhouse interview on February 14 that she killed at least 22 other people over six years in a cross-country murder spree motivated by her satanic cult beliefs.During her second jailhouse interview at the State Correctional Institution in Muncy, a maximum security women's prison, Barbour repeated her claims and said the FBI have not questioned her.She said she was prepared to show authorities where she hid the bodies.'I said before I would talk to them (FBI) about all of this, but they never came to see me,' she told The Daily Item.'They are looking for full bodies. They won't find any. But they will find body parts.'The Daily Item reported that local investigators in three murder locations named by Barbour are taking the claims seriously, but said they have no unresolved homicides they know about.Barbour said she dumped some body parts in Big Lake, Alaska, and also in Mexico Beach, Florida where she worked as a 15-year-old go-go dancer.She also said she dumped a body off Interstate 95 near Raleigh, North Carolina.Barbour lived in Alaska, Florida and North Carolina before moving to Selinsgrove last fall with her husband.Sunbury police say the couple murdered LaFerrara the day of their three-week wedding anniversary and Elyette Babour's 22nd birthday.Elytte Barbour had allegedly told police he and his wife wanted to kill together.In her sensational first jailhouse interview in February, Barbour claimed she killed 22 people in the past six years in Alaska, Texas, North Carolina and California.Explaining that she adopted a murderous alter ego she dubbed 'Super Miranda' when she killed, Barbour said that she kept a favorite knife that had notches on - one for each of her victims.Speaking to TMZ about the horrifying admission from Barbour, Daily Item reporter, Francis Scarella said that he omitted the frightening and unsubstantiated number from his story.However, he confirmed that like the fictitious serial killer Dexter, Barbour said she only killed bad people - those who abused children or owed money and that her satanism controlled her murderous rages.Indeed, Scarella told TMZ he spoke with an ex-roomate of Barbour's who said that the abused teen possessed two vials of semen belonging to her husband and that she used them to masturbate in a satanic ritual.Claiming that she only killed 'bad people who do bad things' in her self-confessed nationwide murder-spree, Barbour has been compared to the fictitious 'moral' serial killer played by Michael C. Hall on the Showtime cable network.Amid these gruesome claims, the tiny Alaskan town of North Pole has become the center of the outlandish story about satanism and serial killers that Barbour claims began at the behest of a cult leader.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

This week I had the pleasure of speaking with Ammie Franklin and Jade West from Salesian College in Sunbury, Melbourne. We had a wonderful conversation about the impact of instructional coaching and its pivotal role in enhancing educational practices. Ammie, the Deputy Principal for People and Culture, and Jade, the Director of Staff Learning, shared their insights on their school's coaching model. This model not only supports individualized student learning pathways but also fosters staff development.We discussed the delicate balance between professional practice and well-being, emphasizing the importance of fostering a culture of care. Ammie and Jade highlighted how continuous improvement through reflective practices is at the heart of their approach. This episode truly underscores the significant impact that coaching can have on both educators and students, driving meaningful change and growth in educational settings.Thank you for being a part of our community. Feedback: We love hearing from you! Leave us a rating or comment to let us know what you think.Stay Connected: Follow our podcast for more episodes packed with insights and inspiration.Learn more about the Instructional Coaching Done Well Roadshow:https://shorturl.at/UAFap

Register here for GRE's live online event to learn about ‘Cleveland's Amazing Cash Flow Opportunities' on Thursday, March 20th. Keith discusses the impact of recent federal job layoffs, emphasizing the importance of diversifying income sources. 40% of Americans experience job loss at least once in their careers, with men more affected. He advocates for real investing in real estate as a safety net. Seth Williams joins the conversation to discuss the use of AI in everyday life and real estate investing. Hear a practical example of how AI can help with real estate due diligence, such as reviewing municipal regulations and zoning rules. Resources: Check out Seth's resources, including the Pulse Inner Circle community, to learn more about practical applications of AI. Show Notes: GetRichEducation.com/543 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach 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, amidst 10s of 1000s of federal workers recently getting fired. It's not rare, because throughout their working career, layoffs hit 40% of Americans. How do you hedge yourself against the danger of losing your job? Then get a fascinating understanding of how you can use AI to improve your everyday life, and some applications for AI in real estate investing today on Get Rich Education.   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 get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:19   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  1:35   Welcome to GRE from Sunbury, Pennsylvania to Sun Valley, Idaho and across 488 nations worldwide. I'm Keith Weinhold, and I'm grateful to have you with me here for another week. This is get rich education. I'm known as the guy that back in 2015 was the first person to explain how real estate pays you five distinct ways at the same time when mass federal layoffs hit recently, you know you can learn something really important at a time like this. And no, it's not about the Washington, DC real estate market. That's not where I'm going here. That's not the bigger lesson, unless you're perhaps in the DC real estate market, it's shaping up to be 10s of 1000s of federal workers that are getting the boot as the result of the new administration in charge. We'll see where the number lands. But the thing is, is that federal jobs have long been deemed as the most secure, and yet more firings are coming. So if they're the most secure jobs, then what does that say about you and the safety of your job in both your near term future and your long term future, whether you're in the public sector or the private sector. I've worked in both sectors, and yeah, sadly, this is not such a rare occurrence. Many sources cite that roughly 40% of Americans get fired at least once during their working life. Job loss is more likely for a man than a woman, and it's happened to me. Yep, even I've taken that awkward and awful feeling box full of desk stuff, walk. The big lesson here is that you need to grow a second source of income, Experian and fed data. They cite that the average debt per consumer is about $39,000 worth of student loan debt, and another $24,000 worth of auto loan debt and another $6,500 worth of credit card debt. Well, those are not good debt types, like real estate debt is where you can outsource the debt to a tenants. Instead, you are the one that has to pay these type of debts, and that's why a lot of job losers are going to decline into a financial tailspin. They will default on their payments. They will become delinquent, they will descend into bankruptcy, and they will have a destroyed credit score, and the incidence of depression and suicide that even goes up for these people. Now, as we know, most of the so called financial advice out there that targets budgeting, how to cut your expenses. That's okay. You can do a little of that, but if you lose your job, a bundled cell phone plan in ditching your $7 latte is hardly going to help you. See, here's the thing that a lot of people fail around. Lies, even if you get a promotion and a raise at work, it still only pads a dangerous single source. It's still just a sole income source. Instead, what's powerful is, rather than budgeting, it is increasing your income, but it needs to be a source outside of your day job. That's how you get income diversification at the same time. I mean, you could take on a part time job or freelance work and accomplish that, but see the problem there is that you've lost your irreplenishable time. That's a one way street that time is never coming back. Don't live below your means. Grow your means. Owning an income property that can completely solve all of these problems, even a low cost income property of, say, $200,000 and Okay, a property like this, that might start with just 100 to $300 per month of residual cash flow, but that amount tends to rise even faster than inflation, because, as we know, your mortgage payment stays fixed. That's how that happens, and additionally, your 200k property at just 5% annual appreciation that grows to 255k in just five years. And if you only made a 20% down payment of 40k on this well, that property that grows to over 100k of equity in five years because you've got both the appreciation and the tenant made loan pay down. There is more to this. Besides increasing your monthly income, you can often take a chunk of this 100k plus equity with a cash out refinance that is a tax free windfall event, you heard that, right? Tax free, and you still get to hold on to the property. So a simple, low cost 200k property, just one of those, it increases your income now it gives you a second source of income, and it simultaneously gives you a leveraged windfall chunk that you can access in one nice, tax free cash lump. And one thing's for sure, you want to get a loan for income property and get that property now why you have your job? Because when you lose your job again, 40% of the time, no mortgage underwriter will qualify you when you're unemployed, relying on one income source that is kind of like playing Jenga on a wobbly legged table. So really, the bottom line here is that widespread federal job firings, they have really brought to light how many people are vulnerable with just one source of income. Why would anyone do that? Owning investment property solves the problem. Plant that second income seed now you can't have just one income stream that is too close to zero, that is precariously close to zero, and much of your life's thought pathways. They're about expectations, your expectations for the future, the way you think about your future, and if there's even a looming threat of losing your job in the future, you know that might not happen, but just the mere threat of losing your job that can induce stress. So that's why you want to do something about that, and I have a great resource to share with you shortly that me and the team here at GRE are going to help you with in you getting that vital income diversification a second source, but first Tax Day is next month. If you aren't getting an extension, you be pulling your tax documents together Trump tax changes are anticipated any time here, the highest federal income tax rate is expected to stay at 37% the standard deductions are moving up soon, indexed to inflation, $15,000 if you're single, $30,000 if you're married. Basically this means that things like your donation receipts. You know what? They are not worth saving and tracking unless they exceed those standard deduction amounts. And I like easy ways to remember things as you're pulling together documents for your tax preparer, if you are the tax preparer yourself, a w2 form shows. Income from your employer. A 1099 form shows income that's not from an employer, really. That's the distinction and an easy way to remember it. And to my point earlier about having more than just one vulnerable source of income, I hope that your 1099 income not from an employer, like the rents that your property manager collected for you that those 1090 nines are increasing faster than your w2 income, which is from an employer.    America's first car free neighborhood. I sent you more about that in our newsletter recently, and you said that you really liked learning about it. Yes, America's first car free neighborhood. It's had its share of detractors and skeptics and supporters since it broke ground in 2021 these are largely rental apartments in Tempe, Arizona, that is just the east of downtown Phoenix. Residents get around with light rail and E bikes. Studio apartments start around $1,300 a month, and three bedroom units around $2,700you can meet your neighbors more and get to know your community when everyone's not in their car and garage bubbles. So I found this really interesting. One resident of America's first car free neighborhood said We've probably made more connections here in six months than when we lived in the suburbs for 15 years. That was interesting to learn about in our newsletter.    Coming up on the second half of the show today, an expert guest and I are talking AI, think about all the time that this is going to save you. Think about all the brain damage that this is going to save you. Think about how much better informed you're going to be and how much smarter you'll feel. That's coming up shortly. Hey with what I mentioned earlier, I am announcing that coming up in just a couple weeks, here on March 20, it is our live online event for an amazing Cleveland cash flow opportunity. And why Cleveland now? Well, healthy, real world monthly rents are more than 1% of home prices. That is a lucrative ratio. And on top of this, we are layering the BRRRR strategy by rehab, rent, refinance and repeat, where cash flow averages more than $500 per door. This strategy, it allows you to put fewer dollars in the deal, and that's why it's really popular. Be sure to show up and learn more. Our last live online event was last year. It was for BRRRRs, and we had a record 538 registrants. We're going to examine single family properties in C and C plus neighborhoods. Those are the investor sweet spots here. And besides learning about real estate due diligence and the Cleveland market, there will also be a buying opportunity. Yes, the bur strategy allows you to invest with that low equity position, yes, both investor advantage areas, with the BRRRR strategy layered on top of it, it's the right opportunity for you if you need to build that second or third source of income. And besides all that, there's just the simple fact that amidst the well known national undersupply of housing. Entry Level homes, like these ones in Cleveland, they are even fewer. That entry level segment really has the scarce supply. I mean, you're going to own a scarce asset that everyone wants and needs. And this live event is one of course you can join from the comfort of your own home. It has two co hosts. You are going to be joined by one of our terrifically qualified GRE investment coaches and one of our top partners who has helped investors create wealth and grow their portfolios for over 20 years. I know him. I've had dinner with him. You can register now at GREwebinars.com Again, it is March 20. Our last one had 538 registrants. That was a record. Register while you can it is open now at GREwebinars.com more next. I'm Keith Weinhold. You're listening to GRE   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 saw. 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 as 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 to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Blair Singer  16:35   this is Rich Dad, sales advisor, Blair Singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.   Keith Weinhold  16:51   How do you really use AI? Can you believe if you have a question about anything in life, 90% of the time, it already makes more sense to ask chatgpt than a human being. That's what my longtime friend says. He's with us today, and he hosts the terrific R E tipster YouTube channel. Welcome into GRE Seth Williams,    Seth Williams  17:15   hey, Keith, great to be here. Thanks for having me. Seth, you've been interested in AI for years. Tell us how your perspective has evolved over time. A lot of people have pretty big variations in how much they use AI and how much they're even aware of it. Personally, I use it every day, like many, many times a day. Chatgpt is open almost all the time, and I use it for almost anything you can imagine, like when I have a question about almost anything, it makes more sense to ask chatgpt than it does to do a talk to a human, because I can get direct answers. It's armed with pretty much all the information that's publicly available on the world is an incredible resource. And when I talk to people and I ask them, like, Hey, do you use chatgpt? And they either say, What are you talking about, or they say, Yeah, I've used it once. It like, it just hurts me. You know, it's like, seriously, you have a superpower at your disposal here. You're not using it. It's kind of like what the internet was back in 1995 or something, where, like, some people kind of got it, but a lot of people didn't get it yet. It's pretty crazy when you can harness the power of not just chat GPT, but all of this AI stuff that's available now. Like, there's incredible, very powerful leveraging opportunity here.    Keith Weinhold  18:27   I use it about every other day. I bet after talking to you, it's gonna make me want to use it more. But, yeah, the guy that cuts my hair, he's only 25 years old. He doesn't seem very familiar with this. But like you said, it's a lot like Google in 1995 to maybe 1998 like, people just didn't automatically think of Googling something. And it's beginning to get that way, I think with using an AI like chatgpt to answer your questions, why don't you tell us about some of the biggest misconceptions that people have about AI?    Seth Williams  18:54   Well, that's good question. I guess it kind of depends on where they're coming from and what they are even aware of in terms of what is capable of. But I know one thing I hear from time to time is people will say, Well, I'm not a content creator, so I don't really have a use for that, like it makes sense if you're like a blogger or a podcaster. And I guess the good thing is that they at least have some awareness of what it can be used for. But things like chatgpt can be used by pretty much anybody who knows how to type on a computer or even speak to their phone, the chatgpt mobile app, for example, I just love this thing you do have to be a paying Plus member, which is 20 bucks a month. That is a laughably inexpensive price for everything that chatgpt could do for you, especially a mobile app. I can turn this thing on. I can use it as a camera to point to anything and have it give me insights and instructions on how to deal with this thing, whether it's a plumbing problem. I was just using it this morning. I had my phone set up on a tripod on my desk, pointed at Zapier trying to figure out how to make two complex softwares work together, and I just had to speak to it in real time. Time and ask it, this is what I'm trying to do. How do I do this? I don't get it, and it explained exactly what to do. And this was help that I could have paid a consultant money for, but it just came from this app, and all has to do is just look at my screen and it understands all of it. It sees things that I don't see. I know people that use chatgpt as the therapist. I've never done that, but I've know a whole lot of people that do that kind of thing. Yeah, and it gives them legitimate, useful feedback, and it's available 24/7, and it doesn't cost 100 plus dollars per session to talk to them.   Keith Weinhold  20:32   You the listener right now are thinking about all the jobs that this is displacing, surely, but why don't we pull back and think about no Seth. If someone is completely new to AI, what's the first thing that they should try to use it for?   Seth Williams  20:46    If you are a real estate person? Specifically, I don't know if everybody listening to this is necessarily, but as a real estate investor, the first thing I ever used it for was writing property descriptions for me, like when I had a property I was trying to sell. I know there's a great way to explain this thing, but I don't really know how to do it in my own head. Yeah. And you can just feed it basic information about the property and say, Hey, write me a beautiful, compelling property description that will make these things sellable and make people you know, respond with interest and that kind of thing. And just do that, and you'll see what I'm talking about it. It's an incredible writer. It does a great job. What's your question about where do they start with chat GPT? Is that what you're asking? Yeah, if one isn't familiar with it, where should they start? Well, another thing you could do daily use type thing. So something that I've used chat GPT for, I've taken a picture of my closet in the different clothes I have to wear, and I send it to chat gpati and say, Hey, what should I wear today? Like, what different articles of clothing would you recommend that I pair together? You could do this with your cupboard. Say, Hey, here's what I have in my cupboard. Tell me what I can make with this and then give me the recipe to make it. You could do this at the drug store. You'd go take a picture of the shelf and say, Hey, I have a splitting headache. Show me what on this shelf will solve my problem right now and get rid of my headache. I've actually got this problem worse than most people, where I can be looking right at the solution, and I don't see it like it's right there in front of me, but I miss it. But chatgpt doesn't miss anything like, if it's in the picture, or even in the the live vision camera, it's like a live video feed that you can point at anything. Like it will see it, and it will point out stuff that you very likely are missing.   Keith Weinhold  22:24   That's amazing. I haven't used its image capability that way yet, and really that brings up Seth. There are so many AI tools available, like an explosion these past couple years. How is a person supposed to decide which ones are worth using and which ones are not.   Speaker 1  22:41    It's very true, there's a lot of stuff out there. It can be a little overwhelming. I can tell you, I've used chatgpt, I've used Claude, I've used Gemini, I've used grok, bunch of different AI chat bots out there. They can all do some pretty amazing things, but if you just don't know where to start, like I'll see if I can only have one of them, chatgpt is what I would go to. I think part of that is just a level of familiarity, like I've just used it for so long now. It's like a comfortable old shoe, but it really is innovating at an incredible speed, and it's this AI boom has been happening for over two years now, and chatgpt is still arguably at the top. I mean, they've done a really good job of staying on the bleeding edge of what can be done now, and chatgpt is free, but if you pay for the $20 a month version of it, you just unlocks a lot more capability and usability. That's probably what I would do. But there's different Claude. I've seen this myself, and I've heard this from a lot of other people. If you're trying to, like, write a story, for example, Claude is actually a better writer than most things out there. So that's what you're trying to do. Like, go with quad you want, like, a one, all purpose tool that can do pretty much everything reasonably well. That's what chat GPT is, in my opinion,   Keith Weinhold  23:52   those are some great tips. And yeah, I thought it was pretty impactful last year, when even when you do a Google search, at the top of that, there is now an AI summary before you see your conventional Google Search sort of hits, which actually concerned Google advertisers for a little while. How about some of the most driest and esoteric reading that we can think of, and how AI can speed that up and make it more interesting, just say, doing due diligence in real estate, like reviewing municipal regulations or zoning rules and property restrictions. How does AI help you there?   Speaker 1  24:27    I've used it numerous times for that, perfect for that. For example, in the land business, one way that you can make money from land is by subdividing land. And one strategy within the subdividing business is to find properties that are they're called exempt subdivides, which means that you can essentially do the subdivide and not get anybody's permission to do it, like you can just split it up and not ask anyone. And you can do it, but you can only do that if the size of the property is over a certain threshold. In Texas, I think it's 10.01 acres or. Higher. There's certain places Michigan that are similar, but you can figure this out by looking at the county and the municipal guidelines to understand what is that threshold, or does that threshold exist at all? You can find these PDFs from the county or the municipal website. Upload it to something like chatgpt or Claude, and just ask the question like, how big does a property have to be before it's exempt from the subdivision rules? And it'll tell you, if it's in there, it can redo the thing in a matter of seconds and tell you what the answer is and where it found the answer, a very similar thing with like legalese and legal writing that's really hard for the average person to understand, probably by design, it can decode that for you. I've gotten this before. I've gotten really poorly written emails from people like electricians, or even just, I can't believe there's already happened exactly. They explain things using a lot of industry jargon and lingo, and I don't know what they're talking about, right? And I can copy and paste that email into chatgpt and just say, Hey, I got this email from an electrician. I have no idea what this means. Can you explain this to me? Like I'm a five year old, and it does it, and it works every time where it's like, oh, okay, that's what you meant. I can just know that instead of having to respond to them and say, Hey, can you rewrite that for me? I don't understand it, and they reply, and it's bad again. And it goes back to this a lot of questions that a lot of us have every single day. Historically, we've gone to people to ask those questions, and that's fine, but it wastes their time, and it wastes our time, and we still might not get the answers we're looking for, but with things like chatgpt, like you almost certainly will get the answer you're looking for very quickly, and it doesn't waste anybody's time other than the time you have to spend asking the question. So it's a big 8020, lever, you can get a lot more done without relying on the limits of humans to get the job done.    Keith Weinhold  26:50   We're talking about how you can use AI in your overall life and in real estate a little bit too. With Seth Williams, well, you're such a good resource. You're really pretty pioneering in learning AI and helping you with problems and solutions in both your overall life and in real estate investing. So tell us by now, what are some of the most unexpected or just like, totally impressive things that AI has helped you with, and how do you do that stuff?   Seth Williams  27:17   That's a really long list, but the thing that I have been most impressed with as of late is something that both chatgpt and Google Gemini can both do this now, kind of in different ways, but they can look at your computer screen and help you figure out all kinds of complex problems. Talked about this a little bit in part one, but earlier this morning, I had my chat GPT mobile app right here on my phone. I had it on a tripod pointed at my screen, and it was walking me through how to set up a couple new zaps on Zapier using a web hooks, which just right there I probably lost most people. It's just a confusing thing to figure out. I still don't fully understand it, but I was explaining my problem and what I was trying to do, and I could just talk for as long as I want, until I'm done talking. And then chatgpt chimed in, and in about 30 seconds, it solved my problem and told me exactly what to do. And Google has another way of doing this, where it's actually like on your computer, like seeing your entire screen, and it kind of does the same thing where a voice talks back to you. It's amazing, because I know how hard some of these things can be, the type of thing that would either make me give up and just not do what I'm trying to do, or pay somebody a bunch of money to come in fix the problem for me, or stand over my shoulder, either which way is not a great outcome. But with the help of these AI chat bots that can see everything going on, and they have basically all the knowledge in the world about how to solve the problem. They can do it really quickly and easily. And it's amazing. That's one of millions of different things you can do with chatgpt.   Keith Weinhold  28:51    Oh dear. If AI looked at my computer screen, the first thing they would probably tell me is to close half of the tabs that I have open. Oh, yeah, me too, yeah. How are you personally using AI in your real estate investing business today?   Seth Williams  29:07   lots of ways, but one thing that has been particularly useful to me is the use of what's called Custom gpts, which basically just means, right, you are training chat GP T to respond to you in a very specific way based on certain instructions you give it. So every time you start a conversation like it already knows why you're there, what you're looking for, what assumptions you want it to make. One example of a custom GPT I've made is one that can very quickly analyze big commercial projects like whether it's a self storage facility or industrial outdoor storage, I've explained to it how I want it to run the numbers based on certain information. I give it like square footage and pricing and occupancy rates and that kind of thing. So I can basically feed it like six or seven key pieces of information and 20 seconds it can tell. A give me, like a one to 10 rating based on this is a great deal, you should move forward, or this is a terrible deal. Look the other way. And the reason this is a big deal is because the way I used to handle this was I had a giant spreadsheet, and I would go line by line, filling in all these different inputs, and it would take me, at a minimum, like 30 to 45 minutes to get to the same place of understanding, like, Yes, this is good. I should keep going on this. Or no, this is a terrible deal. And it can just, like, look at a lot of stuff, a lot of data, very quickly. And it's not like the final answer necessarily, like, you don't just blindly follow whatever it tells you to do, but it can just get to the bottom of stuff, or, I guess, get further to the bottom of stuff, wasting a whole lot less time. So, you know, the real estate that's super helpful, and people in, like, banking and accounting and all this stuff fields where, like, there are full time analysts that look at this stuff all day long. And it naturally takes humans a lot of time to figure this stuff out, but AI can get there much faster.   Keith Weinhold  31:03   Yeah, that is pretty remarkable, and it sounds like you're finding a pretty high degree of reliability and not getting what we call hallucinations in the AI world.    Seth Williams  31:15   Yeah, that is sort of a developing thing. So hallucinations, it's definitely a real issue where basically we'll just make up stuff that sounds viable, but it's not right, and the only way you would really know that is if you knew better in the first place, which means, why am I even asking the question if I already know the answer? So it was kind of an issue where chatgpt and Claude and Gemini would just make stuff up. One of the ideas with some of the newer models that are coming out with, like, oh one or oh three mini now is what they've got. They use a lot more logic in these models. And the difference is, when you ask it one of these questions, and if it doesn't know the answer, it'll just say, I don't know. That's a great answer. They're hallucinating. Yeah, absolutely. And you know, chatgpt Four, oh, it's kind of like the difference between if you hire a very polite VA in on the other side of the world who's trained to be a yes man or a yes woman, like they want to make you happy, and they're going to tell you what you want to hear, whether it's right or not, whereas, you know, these more advanced logical models are more like your account or it's like, I'm not here to impress you. I'm just going to tell you the facts and how things really are, I think, depending on what you're trying to do, like, there are certain situations where you'd want the more creative four, oh, version of the situations where you'd want the logical ones. So I'm trying to, like, do code or analyze numbers or do something where accuracy is very important. That's where I want to use those logical models. But if I'm like, writing a story or song lyrics or whatever, and creativity is more important, that's what I'd want to do four Oh, so it's not that either one is like better or worse. It just depends on what you're trying to accomplish and what output you want from it.   Keith Weinhold  32:54   Sure, part of this is knowing which tool to apply. There might be a grain of gratefulness, that there are such thing as hallucinations, right? I mean, it still takes you a human being thinking to confirm, does that answer make sense and it's just simply a good idea? Or could that be inaccurate? So the human component sounds like isn't completely displaced yet at this point, starting probably more than 10 years ago, Seth, when people began to look for answers to everyday questions, oftentimes, they would go to YouTube and they would just like to get their answer that way. Why is this faucet leaking or anything else? And watch a YouTube video about that. What's your process though for using AI to take a YouTube video and summarizing it and extracting key insights that way?   Seth Williams  33:39   Well, there is a free chrome extension called glasp, G, L, A, S, P, that I just used it this morning. All the time. I've heard of it. It kind of sits on top of YouTube. So when you're on YouTube and you have this chrome extension there, this little button appears, and you can copy a transcript of the entire video and then take that and paste it into chat, G, P, T, and you can ask it whatever you want about what that video is about. You could say, summarize it in one sentence. Or you could say, Does this video talk about this issue? And if so, where or what does it say about it? You could say, take this video and turn it into a blog post for me, literally, like, whatever you can imagine that could violate come from that video. You could get that information from it. And that alone is is amazing. And it kind of goes back to, like, what is the purpose of this video, or what is my question that I'm trying to get answered? Am I looking for entertainment? You know, for example, I've been watching a lot of videos about guitars and guitar pedals and amps lately. I want to hear what this guitar sounds like. I kind of have to watch a video for that. Like, a transcripts, not really going to help me chat. GPT is not going to help me. Like, I just actually have to watch the video. So this doesn't totally render videos useless. It just depends on why you're watching it and what information you want to get, and how can you get there faster.   Keith Weinhold  34:50   This has been great. Seth, are there any last things that we should know about? Ai, whether that's misconceptions or making sure that we're using the right. AI tools and avoiding the wrong ones. Any last thoughts? Seth, if   Seth Williams  35:04   people are really interested in this stuff, I mean, there's plenty of places you can go online. This is a huge trending topic on YouTube, lots of good information out there. We actually put together a school community intended primarily for real estate investors and business people. It's you can find that at Pulse inner circle.com, P, U, L, S, E, inner circle.com. We're talking about this stuff all the time. My friend Mike balcom and I did a couple different courses on this stuff, like a guided course that was awesome. I mean, we even learned a lot of stuff going through the process. But it is a rapidly advancing area right now, and it has been ever since chatgpt came out, like, every week, there's some huge new thing out there. It's something that's worth paying attention to, because even, like, right now, it's incredible the stuff you can do. And interestingly, like, most people aren't doing it. So if you are up to speed and educated on it, you've got a superpower that most of the people don't know exists or aren't willing to learn.   Keith Weinhold  36:01   That's a great point. If you just learn 1% of this, you're going to be ahead of the general population, and it's really easy to do. Seth, I've done some learning about AI myself. This has been a great chat. Thanks.    Seth Williams  36:14   You bet.   Keith Weinhold  36:21   Check out Seth's resources and his own R E tipster podcast. Always love to chat with my man, Seth Williams, Super Down to Earth guy, and also he does not look like a dork like you might think an AI expert would. Yeah, like I told Seth, the guy that cuts my hair is 25 years old. He's a SoundCloud music artist. He mentioned to me about how he writes his own lyrics for his music. I asked him how the results were when he asked chatgpt to write his lyrics or write him some rhymes, he told me he never even thought of that. I couldn't believe it. So yeah, AI, it's just still not top of mind for people.    The two platforms that I use the most are chatgpt and venice.ai last year I told you about how you can turn any document into an AI podcast with notebook LM, and you'll remember that I also played a minute or two of that AI generated podcast right here on the show for you, you can book your travel with AI as well. Have it put together in itinerary for you. Have you asked AI who you are? I hope that you've tried that by now. When I go to chat GPT and ask it, who is Keith Weinhold, let's see, is it accurate? Well, the answer starts with Keith Weinhold, is a real estate investor, author and the host of the get rich education podcast. Well, then it goes on for a few paragraphs. It goes on to say he founded get rich education, a platform that offers educational content through podcasts, blogs and resources about real estate investing, personal finance and wealth building. His teachings emphasize the benefits of leveraging real estate as a long term wealth building tool while highlighting strategies to maximize cash flow and minimize risks. Okay, yeah, I would say that's accurate. No hallucination there. You can also ask chat, GPT or an AI, of course, about your properties. In fact, I'm going to enter the address of one of my rental properties and ask it how much cash flow it generates. So to skim the answer for you, it's okay. It looks pretty accurate. Here. It says that it is a three bedroom, two bathroom, single family home with 1300 44 square feet of living space. It shows the property was last listed for rent at $1,625 per month in March of 2024 Yep, that sounds right. Zillows rent, Zestimate estimate estimates the current rental value at $1,898 per month, is what it says. Okay, and then here's what it says about the property's cash flow. Because I asked that about the cash flow, it writes to determine the potential rental cash flow, consider the estimated monthly rental income of 1898 subtract operating expenses such as property management fees, maintenance insurance, property taxes and any mortgage payments, the resulting figure will represent the net monthly cash flow. All right, well, then it goes on with more info that's less interesting, okay, so therefore, at least this basic question that I've asked it chat GPT, I mean, it cannot know my cash flow unless they know what my loan amount was and what the mortgage interest rate is and those sorts of things. But maybe another AI knows that, though I am not sure.    Hey, coming up here on future episodes of the get rich education podcast, some well known names that haven't been here on the show. Before and another interesting upcoming episode down the road. Here is when a pastor is going to join me on the show. Here, this pastor is an expert in what the Bible says about money. You might be familiar with the Bible verse that says it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God, gosh. Well, how does that make me feel about how the pastor and I's conversation is gonna go here on a show that's called get rich education that ought to be super interesting, and I really look forward to that show. Now, even if you're not a Christian or you don't believe in the Bible, this is going to be a significant conversation, because you cannot deny the Bible's influence. It is, in fact, the greatest selling book of all time, and even if it doesn't personally affect you, it does impact other investors around you and just billions of people across the world. What the Bible says about money coming up, which could have, I guess, some uncomfortable moments here in future weeks on the show, along with a lot of other great content. If you want to be sure that you don't miss that on your pod catching app, be sure to hit the Follow button. Also, if you would please, simply tell a friend about the show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  41:41   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  42:09   The preceding program was brought to you by your home for wealth, building, getricheducation.com      

  S2 E27  Can We Call It Sunbury's? Bob Cutler interviews his wife, Annie, about Sunburys, her new specialty shop in Bangor, Maine, set to replace Bangor Wine and Cheese. Sunbury's will offer carefully curated wines, barware, kitchen essentials, and gourmet foods, filling a long-missing niche in the community. Annie envisions Sunburys as an inviting, everyday space with top-tier products at various price points, plus a fourth-floor tasting room for events. Bob praises her dedication and the partnerships she's building, calling Sunburys a perfect addition to Bangor's local business scene. Key Topics The Evolution of Sunburys: How the new shop transforms Bangor Wine and Cheese into a broader specialty space for wine, kitchenware, and gourmet food. The Importance of High-Quality Tools: Sunburys will offer professional-grade barware and cookware, ensuring customers buy durable, well-designed products. Community & Local Partnerships: Annie's focus on collaborating with Maine vendors, restaurants, and businesses to elevate Bangor's food and beverage scene. Episode Index (02:25) – The Vision for Sunburys: Annie's lifelong dream of creating a specialty store with high-quality wine, food, and kitchenware comes to life in downtown Bangor. (06:43) – Store Layout & Offerings: A curated wine selection, professional barware, specialty foods, and a strong emphasis on quality products for home cooks and professionals. (12:20) – The Name ‘Sunburys' & Bangor's Drunken History: A local tale of how Bangor was almost named Sunbury, but a drunk reverend accidentally renamed it. (18:45) – Fourth-Floor Tasting Room & Events: Plans for wine tastings, cocktail classes, and cooking workshops, making Sunburys more than just a retail space. (24:30) – A Proud Husband's Perspective: Bob applauds Annie for taking the leap, calling Sunburys a missing piece in Bangor's retail scene that will serve the community well.  

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Nick is joined by David Yates to discuss the latest from around the racing world. They are joined to day by Cork trainer Jimmy Mangan who, although excited about Spillane's Tower's King George bid, warns that it is highly. contingent on soft ground at the Sunbury track. Also on today's show, Nick and Dave pick through the reporting on Frankie Dettori vs HMRC, while - in the company of former Windsor Champion Jockey Hywel Davies, they welcome the return of jumping to the Berkshire track. Dan Barber pops in with the Timeform perspective, Erwan de Chambure from Haras de Montaigu is this week's Weatherbys Guest, while Nick catches up with Clonbonny Stud's Denise O'Brien, who shaves her head for Cystic Fibrosis in Ireland this evening.

Nick is joined by David Yates to discuss the latest from around the racing world. They are joined to day by Cork trainer Jimmy Mangan who, although excited about Spillane's Tower's King George bid, warns that it is highly. contingent on soft ground at the Sunbury track. Also on today's show, Nick and Dave pick through the reporting on Frankie Dettori vs HMRC, while - in the company of former Windsor Champion Jockey Hywel Davies, they welcome the return of jumping to the Berkshire track. Dan Barber pops in with the Timeform perspective, Erwan de Chambure from Haras de Montaigu is this week's Weatherbys Guest, while Nick catches up with Clonbonny Stud's Denise O'Brien, who shaves her head for Cystic Fibrosis in Ireland this evening.

In this message from October 8, 2024 at Fellowship Bible Chapel in Sunbury, OH, Dr. Hixson provides an overview of the spirit of the Antichrist that is intensifying the closer we get to the rapture. https://www.notbyworks.org/ https://nbwministries.myshopify.com/ Spirit of the Antichrist Volume One Audiobook https://linktr.ee/nbwministries https://www.youtube.com/channel/UCCMIahDSgmwkm9PRf9KIWsw https://rumble.com/c/notbyworks https://notbyworks.podbean.com/ http://www.notbyworks.org/Spirit-Of-The-False-Prophet https://www.notbyworks.org/Spirit-Of-The-Antichrist-Volume-One https://www.notbyworks.org/Spirit-Of-The-Antichrist-Volume-two