Podcasts about topic where

(Intro) Weekend Recap (Dirty) BET Awards Recap. Tristan wishes Khloe Happy Born Day. Bow Wow verzuz Soulja Boy. (5TYNTK) Rescue efforts continue in Surfside. Maine's 7 day average of new daily Covid cases was 21.4. Gas prices likely to spike after July 1st. 11 year old boy rescued from River in Lewiston. Prime strawberry-picking season. (Topic) Where is the best place to vacation in Maine? (Outro) Nicki Vz. Lil Kim. Love Island UK

Sunday Service recording on June 27, 2021 for New Song Christian Fellowship in Carlsbad, NM. Topic: Where is Your Vision? Donate Online: https://newsongcarlsbad.churchcenter.com/giving Visit Us on FaceBook: https://www.facebook.com/NewSongCarlsbadNM/ --- Send in a voice message: https://anchor.fm/newsongcarlsbad/message Support this podcast: https://anchor.fm/newsongcarlsbad/support

Guests: General Thomas McInerney, Matt DePerno, and Patty McMurray. Topic: 120 Generals Sign Letter Warning America is Rolling into Socialism. Topic: Matt DePerno joins us to discuss breaking news out of Antrim County Michigan. Matt held a press conference today that Patty attended. Patty reports that Matt's investigators have allegedly figured out how “anyone who has access to the election tabulators” can “reopen the election, run more ballots through the tabulator, print off a new tabulator tape, with the new ballots, and backdate that tape to November 3rd.” Topic: Where is the FBI, and DHS? They are too busy setting up patriots as so-called domestic terrorists. 

Topic : Where do you take her on a first date? Vito and Noel's podcast partner Virtue has jumped back into the dating scene. Recently he asked for advice on the best place to take a girl on a first date. Vito gave advice to him that the Big Vito Brand crew didn't think was so good. Take her to Chili's for 2 for $20. Noel think's Virtue should take her to an intimate local restaurant so they can get to know each other, like a Mom and Pop Italian place or steak house. It's now become a debate they need you to decided!!! Also Why did someone threaten to call the cops on Vito this past weekend!?! Join us on Patreon.com/thebigvitobrand Videos of our podcasts are available on Twitch.tv/thebigvitobrand Listen HERE Anchor : Anchor.FM/thebigvitobrand IHeart : https://www.iheart.com/podcast/256-the-big-vito-brand-31159185/ iTunes : https://podcasts.apple.com/us/podcast/the-big-vito-brand Stitcher : https://www.stitcher.com/podcast/the-big-vito-brand Podbean : https://www.podbean.com/podcast-detail/j26b3-76d3a/The-Big-Vito-Brand-Podcast On your Alexa Devices under Flash Briefings https://www.amazon.com/The-Big-Vito-Brand/dp/B07N62Z7J4 Get Social HERE Instagram and Twitter: @thebigvitobrand Instagram and Twitter @MagicTSpiller Facebook: https://www.facebook.com/thebigvitobrand TikTok @thebigvitobrand Official websites : BigVito.com TheBigVitoBrand.com Virtue and Vice on twitter @NoDQ_Virtue and @TheRobbieVice PWR team on twitter @pwhustleprof @TheeTommyWonder @TheP1JB #BigVito #TheBigVitoBrand #VitoLoGrasso #WWE #WCW #ECW #TNA #ROH #Trending #LiveStream #Itunes #Spotify #AnchorFM #RealityTV #NoelHarlow #NoelLoGrasso#RussoBrand #Wrestling #AEW #impactwrestling #Top10 #Top15 #ProWrestling#NoDQ --- Send in a voice message: https://anchor.fm/thebigvitobrand/message Support this podcast: https://anchor.fm/thebigvitobrand/support

Guests: Leo Hohmann and Alex Newman. Topic: Was the January 6, 2021 event at the U.S. Capitol, America's Reichstag moment, and what does that mean? Topic: Conservative Americans should prepare for more false flag events that will be used to characterize, marginalize, and eventually terrorize and criminalize conservatives. Topic: Was the January 6th event about penetrating the Trump supporters and carrying out violence in order to paint conservatives, constitutionalists and patriots as domestic terrorists? Topic: Insurance company fires man that was at the January 6th Trump rally. More reports are coming in that some corporations are scanning social media to identify people who were at the January 6th rally in order to fire them from their job.  Topic: Where is America headed? Will President Trump really turn America over to those who carried out a Marxist coup on the nation as well as to a man like Joe Biden, who many believe, is compromised by Communist China? Topic: U.S. Senator Marsha Blackburn apparently, like so many Republicans, is a total fake who used the Trump movement for her own political gain and has now turned when she announced she will support the electoral slate for Joe Biden. Topic: Alex explains why he wrote an article years ago warning that Mike Pence should not be trusted. Topic: Americans are warned not to buy the propaganda and lies that are being pushed out by the mainstream media that is clearly meant to divide America further and to intimidate conservatives into silence and going along with the Marxist revolution that is well underway. Topic: We take your calls. 

Guests: Leo Hohmann and Alex Newman. Topic: Was the January 6, 2021 event at the U.S. Capitol, America's Reichstag moment, and what does that mean? Topic: Conservative Americans should prepare for more false flag events that will be used to characterize, marginalize, and eventually terrorize and criminalize conservatives. Topic: Was the January 6th event about penetrating the Trump supporters and carrying out violence in order to paint conservatives, constitutionalists and patriots as domestic terrorists? Topic: Insurance company fires man that was at the January 6th Trump rally. More reports are coming in that some corporations are scanning social media to identify people who were at the January 6th rally in order to fire them from their job.  Topic: Where is America headed? Will President Trump really turn America over to those who carried out a Marxist coup on the nation as well as to a man like Joe Biden, who many believe, is compromised by Communist China? Topic: U.S. Senator Marsha Blackburn apparently, like so many Republicans, is a total fake who used the Trump movement for her own political gain and has now turned when she announced she will support the electoral slate for Joe Biden. Topic: Alex explains why he wrote an article years ago warning that Mike Pence should not be trusted. Topic: Americans are warned not to buy the propaganda and lies that are being pushed out by the mainstream media that is clearly meant to divide America further and to intimidate conservatives into silence and going along with the Marxist revolution that is well underway. Topic: We take your calls. 

Sports monologue show with Countryman Songo. Topic: Where is the League's sponsors?

Episode 162. Topic: Where did HIV come from? Theme: STDs. HIV, unlike other STDs or diseases, has only plagued mankind for a few decades. So where did this virus come from?

Sunday Service recording on May 26, 2019 for New Song Christian Fellowship in Carlsbad, NM. Topic: Where is Your Faith Donate Online: https://newsongcarlsbad.churchcenter.com/giving Visit Us on FaceBook: https://www.facebook.com/NewSongCarlsbadNM/ --- Send in a voice message: https://anchor.fm/newsongcarlsbad/message Support this podcast: https://anchor.fm/newsongcarlsbad/support

Free Data Storytelling Training Attend our FREE 'How to be the Chief Data Storyteller in your Org - Part 2 using our Analytics Design Guide' training at webinars.bidatastorytelling.com and download the FREE 50-page Guide! In this episode, you'll learn: [09:08] Key Quote: It’s really changing how we think about management, how we think about working together as a team. - Nick Caldwell [19:37] Today’s Topic: Where analytics is today, where it’s going, and a future forecast? [21:58] Data Experiences Defined: Moving beyond static dashboards to build experiences that allow anyone in a company to get their job done. For full show notes, and the links mentioned visit: https://bibrainz.com/podcast/52     Enjoyed the Show?  Please leave us a review on iTunes.

Hey everyone! We are back with our Best Places Series and today we are going to be talking about the best places to own rental properties in 2019 and probably 2020 as well. I have a bunch of websites and a variety of opinions about this and again, it all comes down to the criteria and weighting factors used in developing the scoring system. Carissa from Macon, GA asked me to explain the weighting factors and what I mean by that. So I will. It comes from the world of statistical analysis. Let’s take for example the Flipping America Property Grade.  Mileage - a factor, but not as important as the profit.  Profit not as important as ROI, but profit still should be above 20k to make it worth your while.  How to contact us www.RogerBlankenship.com. Leave a voicemail right from the home page! Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica Call our National Comment Line: 404-369-1018, ext 1. Leave your message or your question.  Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don’t mind.  Sponsors American IRA: www.americanIRA.com Civic Financial: bit.ly/CivicFunding Announcements: We normally meet every Wednesday and Thursday but we are done for the holidays. No meetings in December.  Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It’s a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think. Want a quick analytical tool to tell you how strong a potential fix and flip deal is? Download the Property Grade app. You answer 10 simple questions about the property and the app instantly tells you what you can expect to make, your return on investment, your return on cash, and then the program gives the project a letter grade using the proprietary Flipping America Investment Property Grade algorithm.   News: Fed Cuts Rate for Third Time This Year, Hints at Pause https://www.realtor.com/news/real-estate-news/fed-cuts-rate-for-third-time-this-year-hints-at-pause/ Multifamily Investors Are Spending More Capital in Secondary and Tertiary Markets https://www.nreionline.com/multifamily/multifamily-investors-are-spending-more-capital-secondary-tertiary-markets Closing on a House: 10 Common Problems to Spot in a Final Walk-Through https://realestate.usnews.com/real-estate/articles/closing-on-a-house-10-common-problems-to-spot-in-a-final-walk-through What’s the Impact of Nearby Transit on Office and Multifamily Property Values? https://www.nreionline.com/finance-investment/what-s-impact-nearby-transit-office-and-multifamily-property-values Most U.S. Home Building Primarily in Millennial Areas in 2019 https://www.worldpropertyjournal.com/real-estate-news/united-states/atlanta-real-estate-news/real-estate-news-national-association-of-home-builders-home-building-geography-index-hbgi-single-family-housing-production-data-for-2019-robert-dietz-11707.php Topic: Where to own Rentals  Our Criteria Population stable - not declining Strong middle class employment picture Relatively low home prices Quality of schools Stability of neighborhoods Potential long-term upside https://www.realwealthnetwork.com/learn/best-places-to-buy-rental-property/?gclid=CjwKCAiAlajvBRB_EiwA4vAqiEnKnNzepkihunLgwyl16vlCj_9V_0p5m91Gdh2D5ywJDNJEMG6pfhoChwcQAvD_BwE https://www.doughroller.net/real-estate-investing/8-best-u-s-housing-markets-for-real-estate-investing/ https://finance.yahoo.com/news/best-worst-cities-own-investment-090000378.html https://www.gobankingrates.com/investing/real-estate/best-worst-cities-own-investment-property/ Your Questions: Send emails to questions@rogerblankenship.com Frieda, Boston, MA, I’m trying to find a rental property to buy based on the numbers you have given and it seems impossible. The best I can do is a home for $300,000 that I can rent for $2,200/month. My payment including taxes and interest is just under 1700. It sounds like $500/month in cash flow. What am I missing?  Comment Line calls and Questions Call 404-369-1018, press 1 and leave your message!  Motivational Thoughts for the day   “There is no normal life that is free of pain. It's the very wrestling with our problems that can be the impetus for our growth.” -Mr. Rogers  

We are in our “Best Places” series of shows to end up the year. Last time we talked about the best places to live. I reeled off more than 100 great places to live and pointed out that the lists were different because of the different criteria used and the relative importance of those criteria. Today we are going to talk about the best places in America to flip properties. I have several lists, although a few of them got their data from WalletHub and are therefore not original. What you will see is that even in a business driven by the numbers, there is still room for some disagreement. Although I don’t know what the heck Bob Vila was thinking in his list. But you’ll hear it coming up! How to contact us www.RogerBlankenship.com. Leave a voicemail right from the home page! Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica Call our National Comment Line: 404-369-1018, ext 1. Leave your message or your question.  Email your questions to questions@rogerblankenship.com. Please always tell us where you are from. We like to know where the show is being heard. And let us know how you found out about us if you don’t mind.  Sponsors American IRA: www.americanIRA.com Civic Financial: bit.ly/CivicFunding Announcements: We normally meet every Wednesday and Thursday but we are done for the holidays. No meetings in December.  Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It’s a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think. Want a quick analytical tool to tell you how strong a potential fix and flip deal is? Download the Property Grade app. You answer 10 simple questions about the property and the app instantly tells you what you can expect to make, your return on investment, your return on cash, and then the program gives the project a letter grade using the proprietary Flipping America Investment Property Grade algorithm.   News: Next year will be hard on the housing market, especially in these big cities https://www.cnbc.com/2019/12/04/harsh-housing-forecast-for-2020-especially-in-these-big-cities.html These States Have the Lowest Mortgage Refinance Rates https://magazine.realtor/daily-news/2019/12/04/these-states-have-the-lowest-mortgage-refinance-rates Market Strength to Continue Next Year, Freddie Predicts https://magazine.realtor/daily-news/2019/12/02/market-strength-to-continue-next-year-freddie-predicts 6 Cities Where You Need A Six-Figure Salary To Afford A Median-Priced Home https://www.forbes.com/sites/brendarichardson/2019/12/03/6-cities-where-you-need-a-six-figure-salary-to-afford-a-median-priced-home/#64da21db3b4c 2020 Real Estate Outlook: Expert Predictions For Mortgage Rates, Home Prices, Tech And More https://www.forbes.com/sites/alyyale/2019/11/15/2020-housing-outlook-expert-predictions-for-mortgage-rates-home-prices-tech-and-more/#798ade612935 Topic: Where to Flip Our Criteria Population growth Average Days on Market / Market Saturation Existing home inventory / pool of motivated sellers Team: Contractor(s) Realtor(s) Balance between costs and returns. https://www.cnbc.com/2018/05/09/10-best-states-for-turning-a-profit-on-flipping-a-house.html https://www.housingwire.com/articles/49738-here-are-the-top-10-best-and-worst-places-to-flip-a-house/ https://wallethub.com/edu/best-cities-to-flip-houses/23158/ https://www.fortunebuilders.com/house-flipping-the-top-5-cities-to-invest-in/ https://www.bobvila.com/slideshow/the-best-cities-in-america-for-flipping-houses-in-2019-52644 https://blog.walnutstreetfinance.com/top-12-markets-for-house-flippers-in-2019 https://reww.com/blog/top-markets-house-flipping/ https://selectstudentservices.com/wondering-where-2019s-the-best-places-are-to-flip-houses/ https://selectstudentservices.com/wondering-where-2019s-the-best-places-are-to-flip-houses/ Your Questions: Send emails to questions@rogerblankenship.com Comment Line calls and Questions Call 404-369-1018, press 1 and leave your message!  Motivational Thoughts for the day   "Anyone who does anything to help a child in his life is a hero. " - Mr. Rogers  

Topic: Where there are deep wounds, there is deep grace My guest today says, “Where there are deep wounds, there is deep grace”. Joining me today is Misty Phillip. Misty is busy wife and mom living in a fallen world and is in need of a bunch of grace! Which is why she named her [...] The post [Ep #205] Where there are deep wounds, there is deep grace appeared first on The Ambitious Entrepreneur Podcast Network.

Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King. Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King. Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.   Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.   Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.   Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.   Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.   Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.   Sunday Soul Service. Topic: Where are you? Our Speaker for the evening is Minister Martin L. King.

Episode 7 for July 6 2018 News: Model 3 production numbers released and it's good!? Elon Musk allegedly orders skipping "critical" brake and roll test Supercharger DeadZone update Model X 100d software uncorking Elon, Tesla, Space X, Boring Company going to Thailand so help attempt rescue of boys trapped in cave system. Topic: Where's the short burn? What the heck happened to TSLA stock after finally meeting Model 3 production goals?? Your comments or questions to- teslanewstopics@gmail on twitter @tntpodcast patreon.com/teslanewstopics  Thank you for listening and please remember to subscribe and leave a review on iTunes/Apple podcasts!    

In episode #668, Eric and Neil break down their marketing dollars. Tune in to hear what the biggest marketing costs are and how you can avoid overspending. TIME-STAMPED SHOW NOTES: [00:27] Today’s Topic: Where do Neil and Eric Spend Their Marketing Dollars? [00:51] Eric spends about $10,000-$15,000/month on blog content. [01:12] Neil spends about $4,500/month on video content. [01:24] Podcasting costs Eric and Neil $700/month each. [01:40] They spend the same on video content. [01:48] Eric’s team just starting ramping up/retargeting their ads and spent $3000-$4000. [01:54] Neil spends most of his money on making and giving away free tools, which costs around $80,000/month. [02:12] Building tools takes up a lot of time. [02:20] Neil’s team found it is cheaper to buy out other companies than to spend money on marketing. [02:50] Building free tools gets you organic traffic. [03:02] If they were to add in salaries, that would only add an additional $25,000 to the mix. [03:15] Neil’s numbers include salaries in his estimation. [03:33] Editing blogs costs about $2000/month, but Neil doesn’t pay for translations. [03:52] If you build up brand equity, you can get a lot of work for free. [04:10] One strategy for people with a minimal amount of capital: find people to partner with. You will get stuff for free and both of you will gain a new audience. [04:35] Guest posts are really helpful. [05:28] That’s it for today! [05:32] Go to Singlegrain.com/Giveway for a special marketing tool giveaway! Leave some feedback: What should we talk about next? Please let us know in the comments below. Did you enjoy this episode? If so, please leave a short review. Connect with us: NeilPatel.com Quick Sprout Growth Everywhere Single Grain Twitter @neilpatel Twitter @ericosiu

In episode #668, Eric and Neil break down their marketing dollars. Tune in to hear what the biggest marketing costs are and how you can avoid overspending. TIME-STAMPED SHOW NOTES: [00:27] Today's Topic: Where do Neil and Eric Spend Their Marketing Dollars? [00:51] Eric spends about $10,000-$15,000/month on blog content. [01:12] Neil spends about $4,500/month on video content. [01:24] Podcasting costs Eric and Neil $700/month each. [01:40] They spend the same on video content. [01:48] Eric's team just starting ramping up/retargeting their ads and spent $3000-$4000. [01:54] Neil spends most of his money on making and giving away free tools, which costs around $80,000/month. [02:12] Building tools takes up a lot of time. [02:20] Neil's team found it is cheaper to buy out other companies than to spend money on marketing. [02:50] Building free tools gets you organic traffic. [03:02] If they were to add in salaries, that would only add an additional $25,000 to the mix. [03:15] Neil's numbers include salaries in his estimation. [03:33] Editing blogs costs about $2000/month, but Neil doesn't pay for translations. [03:52] If you build up brand equity, you can get a lot of work for free. [04:10] One strategy for people with a minimal amount of capital: find people to partner with. You will get stuff for free and both of you will gain a new audience. [04:35] Guest posts are really helpful. [05:28] That's it for today! [05:32] Go to Singlegrain.com/Giveway for a special marketing tool giveaway! Leave some feedback: What should we talk about next? Please let us know in the comments below. Did you enjoy this episode? If so, please leave a short review. Connect with us: NeilPatel.com Quick Sprout Growth Everywhere Single Grain Twitter @neilpatel Twitter @ericosiu

Topic: Where our greatest passion meets the world's greatest need Today's guest says, “Our vocation is where our greatest passion meets the world's greatest need. Thus, our cubicles, studios and homes are nothing short of sacred.” Joining me today is Alexander Lowry. Alexander is a professor of finance at Gordon College, which is a Christian [...] The post [Ep #113] Where our greatest passion meets the world's greatest need appeared first on The Ambitious Entrepreneur Podcast Network.

On this episode of Fault Lines, hosts Garland Nixon and Lee Stranahan continue to discuss the rapidly evolving situation in Syria. What policies and actions can the Trump administration pursue to avoid a continued escalation and threat of major conflict?Scheduled Guests: (Show 7-10 AM ET)Dr. Lina Murad [In-Studio] - Former Board Member with The Syrian American Medical SocietyHolly “Hood” Harris - Urban Libertarian | Topic: Perspectives on ImmigrationElizabeth Vos - Editor-in-Chief of Disobedient Media | Topic: The Push for War in SyriaWilliam Vaillancourt - Writer with a Background in Political Science and History | Topic: The Dangers of Our Current 'Tabloid Discourse'Michael Krieger - Founder of LibertyBlitzkrieg.com | Topic: Where is the Anti-War Alliance Regarding SyriaFor the past week, Fault Lines has been closely monitoring events and statements regarding Syria. On today's show, Dr. Lina Murad, a former Board Member with The Syrian American Medical Society, comes in-studio to give her organization's take on the situation leading to a heated and impassioned conversation.The emergence of social media has had major impacts on our political discourse including a shift from more careful consideration in commentary to impulsive statements and reactions. Writer William Vaillancourt recently wrote an op-ed on this topic, and he will join the show to give his thoughts on the importance of the written word in our political process.For the final segment of the week, Michael Krieger of LibertyBlitzkrieg.com joins the show to give his take on Syria and those pushing for greater involvement in region. Given the gravity of the current situation, is now the time for a massive anti-war movement in America?

Topic: Where do you listen to music? And why do you listen to it there? #Octaver17 Day2

John Kovach talks all things fishing in Connecticut, the Northeast and beyond on Yankee Fisherman on the HAN Network. Topic: Where does your license money go?

Topic: Where does your power come from?Real-Esteem: Finding your true identity in Christ - eBook Available at http://www.eyniith.com/books/Listen to the archived podcasts today!https://www.eyniith.com/podcasts/

Topic: Where does your power come from?Real-Esteem: Finding your true identity in Christ - eBook Available at http://www.eyniith.com/books/Listen to the archived podcasts today!https://www.eyniith.com/podcasts/

Topic: Where do I keep my cart?  The bar that inspired a new location. Hot Dog Vendor Radio is a weekly show for street food vendors.  We focus on the ongoing training, rules and codes, loopholes, tactics, tips and tricks for becoming more successful. LEARN - SHARE - GROW  You can watch the show live at http://streetfoodvendor.tv and join the chat room there as well. We take live hot dog vendor and street food vendor callers at: 424.258.9364   Press option 1 to talk connect to show host. Each show with show notes is available at http://learnhotdogs.com including numerous blog articles, a resources page and much more.   *Explicit tag*  Shows can and do contain some words, you know little letters put together to form words, in other words, sounds come from our mouths that have been known to offend. To declare yourself "OFFENDED" is the same as telling the world that you can not control your emotions and that everyone else must do it for you.  Come and enjoy, grow your business and share your knowledge at Hot Dog Vendor Radio and Street Food Vendor TV.   If you would like to co-host or join the live feed, please email ben@learnhotdogs.com Much Love! Ben's Blog -  http://LearnHotDogs.com Ben's Live TV Show - http://StreetFoodVendor.TV Awesome hot dog carts - http://BensCarts.com Vendor Accessories and More - http://store.benscarts.com Build Your Own Hot Dog Cart - http://BuildaCart.com    Join the fun, be your own boss and make a real income.  

"Jesus, take the wheel, I'm getting a handy in the back." "Just make the onion volcano, flip me a shrimp, and shut-up." What does Outback truck-meat have to do with anything? Listen and learn all about Chet Wallerson's firs-date-third-Thursdays! *** Topic - Where to take a first date? From - Jay Seevers ...Download the Media [...]

Minister Stephanie Stephanie Bush Victor delivers our first message in the series on love. Topic: Where is the Love? October is domestic violence prevention month. So, Worth more than Rubies is dealing with the topic of love as it relates to all relationships, (i.e., marriages, children, engaged couples, siblings, etc.) Join us for this month related to love.  Visit our website: http://www.worthmorethanrubiesministries.org Follow us on Facebook https://www.facebook.com/#!/groups/worthmorethanrubies/ For personal prayer/ministry 832-525-0651