Podcasts about topics is

Eating a whole turkey by yourself? May we join? Hit play, grab a leg, dip in cranberry, and enjoy what some people call the greatest meeting of minds since Shane MacGowan got together with Nick Cave to record My Way! Topics: - Is it important to GO to Seminary to be a pastor? - Megachurch versus multi-site churches - Advent and some obscure thoughts from the Gospels… Thank you:  1517.org proud member of the 1517 Podcast Network
and thejaggedword.com Music: Willing Virginia - Merry Christmas Satan, on Spotify, iTunes, SoundCloud Dead Horse One - I love my man Other stuff: Kyle Dunnigan, IG video US Megachurches Are Getting Bigger and Thinking Smaller, Christianity Today What Does This Mean? James Voelz In the Name of the Rose, Umberto Eco

Episode 8, "No bird leaves a nest without another nest being made..." Back again with more hot topics! Check out the gangs views on these topic. Too much to speak on so take a peek at the topics: Topics:- Is it preferred or required to pull out (2:11)- Is it okay for a woman to label her man as a "n***a" (9:16)- The debate and voting (13:40)- Tory Lanez mixtape (22:00)- Child support and prenupts (26:13)- Long distance Internet dating (37:13)- COVID update (43:10)Host: Corey, DJ and C TelMusic - IG: ryleykilledthishitSponsor - IG:__livingthegoodlife

How many presidents does it take to make us question our confidence in this country? No problem, Jesus will be back soon! Just listen to the preachers tell it like it is, and everything will be ok. Topics: Is it a sin to NOT believe in God? 2020 Presidential Debate debrief Who Am I to Speak for God? Reflections on first sermons… Thank you:  1517.org proud member of the 1517 Podcast Network
and thejaggedword.com Music: Willing Virginia - Gina Gina, on Spotify, iTunes, SoundCloud Dead Horse One - I love my man Other stuff: Who Am I to Speak to God? Christianity Today John 20, Matthew 18, Mathew 28 Craft of Preaching

Former New England Patriot and current Detroit Lion, two-time Super Bowl Champion Trey Flowers joins us in the studio. Topics: Is football happening, Bill Belichick is a softy, The Evil Empires reign, Quintricia on the hot seat, 12 guaranteed Super Bowls, referees suck, Detroit Lions 2020 Preview.

Today's Topics: Is the MLB season over before it really started? at least 12 members of the Marlins have tested positive for COVID-19 resulting in cancelled games. Then, players from two WNBA teams walked off the court this past weekend during the national anthem, in solidarity with the Black Lives Movement. Should we do away with the national anthem at sporting events if every time it turns into a spectacle? Also, a couple out of Minnesota were spotted in Walmart wearing Nazi swastika face coverings in an effort to protest the state's mask mandate; should you say something to the couple? When do you step in? Additionally, wait till you hear about the latest motion filed out of Cambridge, MA. Hear it all on today's show.

No guest this week, I wonder if that is a good or bad thing? Topics: Is cancelling someone possible? cartoon characters, culture remix, future without social media, John Lennon was lazy, religion, nascar, rip cross country and getting old --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/detailspod/message

TOPICS Is this a good time to buy a football club?Will there be a raft of sales? In what timescale?The type of due diligence needed to buy a clubIs there more value in Europe? The creation of club groupsWhat about the best value in Britain? What about Scotland and Ireland?The potential of clubs - is it just down on the historical fanbase?The role of private equity. Kieran calls them “vultures”Is becoming a community asset a potential business strategy for big clubs?The value of meaning and why clubs do not invest in it enoughWhy the ‘benevolent dictator’ model is the bestWhat are the latest accounting trends in football?How Kieran would change football finance reporting and accountabilityThe value of the fit and proper person fit (now the Owner and Directors’ Test)Getting away from the boom and bust culture and the role fans play in that processValuing a transfer dealWhy do intelligent business leaders make stupid decisions when they buy a club

Topics: - Is not dreaming weird? - George Floyd - Facebook virtual walkouts - SpaceX Launch - Chik Fil A Drive-Thru Merge Lane - Tiger King News - Toad Venom - North Korea Propaganda Merch: http://wifeleftmepod.storenvy.com/ Twitter: https://twitter.com/WifeLeftMePod Insta: https://www.instagram.com/wifeleftmepod/ YouTube: https://www.youtube.com/channel/UCLZqcRovxVvSTRAfHniJGJQ Kevin: Twitter: https://twitter.com/KevGordy Twitch: https://www.twitch.tv/vybranium Sean: Twitch: https://www.twitch.tv/anabusiveyeti

On this episodes it's all about the definitive blue haired waifu, Rei Ayanami. Steven feels he doesn't have a lot of info to decide what is Rei's deal. Is James being presumptive? The gender politics are strong in this one. Skip intro/synopsis @ 9:17 045: Neon Genesis Evangelion vol. 3   Chapters 13 to 19   By Yoshiyuki Sadamoto Translation by Adapted to English by Lillian Olsen, Fred Burke + Carl Gustav Horn     Topics: Is there such a thing as a story without a goal? Joseph Campbell and the monomyth. Rei Ayanami . Stoicism and “Resting Bitch Face” The action scene/Angel battle being a plot device to get Rei and Shinji closer.   Synopsis + first impression:   On his return to base, Shinji befriends Toji and Kensuke Aida, it becomes the first time that Misato sees Shinji smile. Rei doesn’t give much of a welcome to Shinji and Misato tells him that Rei never smiles and treats everyone the same. The exception is that Rei adores Shinji’s father, Gendo Ikari.   Ritsuko Akagi comments on Misato’s and Shinji’s relationship, she congratulates Misato on passing the rite of passage which is Shinji’s rebellion towards his guardian. Ritsuko was always confident that Shinji would return to Misato and pilot the Eva. Not long after this, Shinji notices that his dad has scars on the palm of his hands, which he acquired by saving Rei from a malfunctioning Eva. The Unit-00 which somehow tried to reject her. Shinji can’t help but wonder if his father would ever do the same for him.   The next day Shinji is sent on an errand to go to Rei’s home and drop off her new security pass. Shinji finds the doorbell broken and the door already unlocked. As he makes his way inside, he finds that Rei has kept broken spectacles that belong to his dad. Rei appears out of the shower. She is more concerned that Shinji is touching Gendo’s glasses then him seeing her naked. Rei is cold and reticent in her demeanour and Shinji is embarrassed through their meeting. It becomes clear to Shinji that Rei is more loyal to piloting Eva than Shinji is, but also that Rei lives a lonely life and has given it solely to Gendo Ikari.   Soon another Angel attacks the city, Shinji is almost killed by its laser and it forms a drill in order to attack the underground base, calculations are made and they have less than a day to kill the angel before it succeeds. Rei watches Shinji recover like a mother at a bedside vigil, she even notices him cry as he dreams about and calls out to his own dead mother.   When Shinji recovers, he is ordered to use a prototype positron rifle whilst Rei uses a shield in order to protect him. It becomes their first time battling together. Shinji realises that if he misses the shot, the time it takes to recharge the rifle means Rei’s shield would be destroyed before he can fire back. Shinji misses the first shot but thanks to Rei’s sacrifice and her promise to protect Shinji, they manage to fire a second time and defeat the angel. Shinji runs out to Rei’s Eva; he opens her pod door and looks into the cockpit as his dad did before him. Shinji sees that Rei is okay and begins to cry. Rei asks him why he is always sad; Shinji says he is not sad but that he’s happy she is alive and tells her that its okay to show emotion when you’re happy. For the first time we see Rei smile.   Instagram – weappreciatemanga.co.uk Twitter - @RealJamesFitton Website – Weappreciatemanga.com Email – Weappreciatemanga@gmail.com

March was the wildest ride for the stock and bond market I have seen in the 25 years I have been in the business. Headlines range from anywhere between equity and small cap markets having the best weeks in decades to the rising number of people filing for unemployment. So what really happened in the market? Is it a tough place to thrive, are we crushing it or is it a bit of both? Topics: Is this type of movement normal? The bond market not working properly Access to cash and credit markets Emergence of corporate issues Getting your portfolio back on track   Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)   Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

TOPICS: Is the era over in New England? Buffalo Bills on the rise (playoff rise) Baltimore's defense remains ridiculous Sorting out a very competitive AFC South Bet on the Denver Broncos Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 141 Topics: *Is the Corona virus the end of sports? *Do Bill O'Brien have naked pics of Cal McNair? *Where do you see how far Tom Brady will take the Bucs? *Plus Truthjuice Views & much more.. Edited & Beats by Shaheed of Tha Organization Find beats and more @ ThaOrganization.com

TOPICS: Is the Patriot’s dynasty officially dead? What’s happening in Australia and why does it matters to you? What’s happening with WW3 | SEGMENTS | It’s Arguing Time: Is 2020 really a new decade as people claim? | Why We Have Hope: Miami Heat, Red Nosed Reindeer, ASU Football

TOPICS: Is the Bills defense enough? Could the Pats be out in the first round for the first time in a zillion years? Saints are going to win Why Philly fans always hate things Seahawks vs. Eagles: take the birds Learn more about your ad choices. Visit megaphone.fm/adchoices

Hooray! Another Nonprofit 101 question! Is your IRS determination letter enough to not have to pay sales tax? Andy actually knows that one. This week we also find out what to do when a Board Chair won't stand up to the scary Gala committee, and learn the difference between a sponsorship and a donation. We also discover both Stacey and Andy's least favorite grant application question! Topics: Is having a 501(c)3 enough to not have to pay sales tax - [skipto time="0:00"] Our Board Chair won't stand up to the Gala Committee. Help! - [skipto time="6:23"] What's the best way to answer "prove this program is sustainable" on a grant application?- [skipto time="14:07"] What's the difference between a Sponsorship and a Donation?- [skipto time="20:16"] : Episode Sponsor: Today's episode is sponsored by Brenda J. Stout, CPA, a full-service accounting firm specializing in Nonprofit Tax Compliance and IRS Problem Resolution.

Topics: Is the punishment for Myles Garrett fair, and who's fault is it the NFL CBA is so ambiguous? Our thoughts on how the NFL and Colin Kaepernick handled his "workout" Why isn't Stephen A. Smith as aggressive talking about the misdeeds of the NFL, as he is when speaking about Colin Kaepernick? Follow-up on the impact of Robert Smith's gift to Morehouse College . Celebrating "Pops" John Witherspoon. Mix by: DJ Tay Ferg

TOPICS: Is the Popeye's hype out of control? Does Omarion need to put hands on another member of B2K? Did Kanye pull a Fyre Fest stunt of his own? Are you surprised Irv Gotti talked about a past relationship with Ashanti? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/bro-talk-live/message

Show Notes Scott and Andrew take time to answer your questions. Select the Contact button in the menu on the JSR website to ASK your question - and we will answer it on a future episode. Don't miss these Topics:Is it bad to apply to multiple roles within the same company? Applying for the same company?How to get my foot in the door at a hospital?Lately I have been sending my CV and obtaining no feedback at all. What would you do?How important is a cover letter?Resources (including affiliate links)What Color is Your ParachuteGetting Interviews Meeting 40-50% of the Qualifications iTunes: Rate and ReviewRaw and Unedited TranscriptView Transcript00:05 - 05:32welcome to job seekers radio. I'm Scott. I'm Andrew this. This is a production that is meant to provide you the listener meaningful support to find great careers faster whether you're working or not today. We're we're going to be answering some questions. This is one of our QNA podcasts where we are asked questions and we sprint respond to them and really we. We want you to hear your own voice in this one. We want to make sure that we are answering questions that are relevant valid and that you are asking us so at the end of this. We're going to ask you to get in touch with US and ask us more questions but here's some questions that we've come across in the last several weeks and we we really feel compelled to answer them and we encourage you reach out to us on the web site or send an email whatever that looks like leave a comment if you have our phone number gives call give us a call. We're in the book well. Did they move to. I'm surprised I even published a medical except for the advertising anyway we have some questions that we want to answer and we want to invite you to more so here. We go the first question and for this. QNA is is it bad to apply to multiple roles within the same company. The quick answer is no. It's not bad. The question goes on though Oh to say a to ask about applying for the same company. this person specifically has a degree in pharmacy and about to achieve has licensure but doesn't know if it's really appropriate to continue to go back to the same company with applications. I personally you say I think it's a great idea to go back over and over again to accompany. You're really interested in working with there is one. I Dunno caveat. What is the right word but there's one caveat and that is you've got to know why you want to work there. If it's just because you here they pay well. That is not going to be a compelling reason for the person interviewing you. I just needed jobs in our yeah and they want somebody who really believes in the company he walking in the door so if you have done all your homework you've you've researched what this company not only says they're about but actually what a day in the life. Ed looks like and you can speak their language. That's going to get you further so the idea is make sure that you have your ducks lined up. You've done your networking thing you know your your stuff about that company and then tell them why you want to work for them. If you can lead with that you're probably going to get a little further down the road. The beginning of this says hey is it bad to apply multiple roles within the same company. Yeah that leads me to believe that that's that's the only activity that they're judging their success or failure on and I would not leave it there. I would say do the networking get inside the company us all the avenues available to you. If that's absolutely the only place you'd like to work sure we were talking about rich prior to this our friend enrich who who works for an athletic company who who worked so hard on getting in that was the only company you wanted to work for and he applied for for many roles within the organization and he spoke to almost one hundred people hundred before he got his first interview. If I remember correctly they had a hiring hiring freeze yeah. I'm so quotes.

We are coming down to the wire as we are wrapping up our first season! Out of all the topics we have covered we discovered that keeping it simple is key! See what we mean in this episode of “Just keep it simple”. Topics: Is it hard to be convicted? (3:25) The line between brainwashed and belief (10:27) America's Got Talent (16:05) It's Simple (19:31) How not to care (23:04) Purpose and practicality (27:00) How do you know you are doing enough? (29:24) Links: Billy Murphy - Entrepreneur (https://foreverjobless.com/how-to-achieve-goals/) Americas got talent (https://www.youtube.com/watch?v=pDPdRYF7hTQ) The Subtle Art of not giving a F*ck (https://www.youtube.com/watch?v=FhFiMoAIsUI)

Topics: – Is the "Sinner's Prayer" a biblical concept? – the challenges of being a Christian single – our Muslim friend, Juad, asked how God could have a son?

Topics: – Is the "Sinner's Prayer" a biblical concept? – the challenges of being a Christian single – our Muslim friend, Juad, asked how God could have a son? Support this ministry: https://www.paypal.me/theologymom

Topics: - Is it still Kyler at No. 1? - How bad has the Cardinals process been? - What team would trade up for Kyler? - Ben thinks how many quarterback go in the Top 12!? Learn more about your ad choices. Visit megaphone.fm/adchoices

Alex McElroy is an internationally known pastor, public speaker, and Christian apologist. He’s been putting in work for the kingdom and we’re glad we could catch up with him to get his thoughts on a range of topics. In this episode we chop it up with him on a range of topics including:    Topics: Is it true that science and Christianity don't mix?   Do the miracles in scripture make the Bible unbiblical?   Brief exchange on Evidential and Presuppositional apologetics.   The upcoming “Proof for the Truth Conference”

So your friends are snapping pics of their new homes and posting them all over Insta... But does that mean it's time for you to get yours? Listen to find out. Topics: Is now the right time to buy a house? Does it make financial sense to buy a house? Is it the right time? aka how’s your credit Will you be in the same place at least 3 (ideally 5+) years? Do you understand the hidden costs (hello upkeep expenses)? Is it the right house for you? Freebie: First time home buyer - the master checklist’s comin' your way! Level up: New Home Buyer’s Guide comprehensive ecourse Contributors to this episode include: Host - Jeremy Goodrich  Copy Editing - Talia Chakraborty If you enjoyed this episode, stick around: SUBSCRIBE on Apple Podcasts.  REVIEW the show and SHARE with friends. JOIN the New Home Buyers Guide course to own the home buying process and the home of your dreams. With a 100% money back guarantee, you’ve got nothing to lose and a sweet house to gain. Thanks for listening!  More great stories & information at: YouTube - Blog - Podcast Insta - Course Full Transcript: Jeremy Goodrich: Hey there new home buyers. Jeremy Goodrich here. I am that guy. That guy that bought my first home many, many years ago and had no idea what I was getting into. I didn't use a realtor. I didn't have an inspection. I didn't have a clue what documents I was signing, and I ended up, you guessed it, buying a beat up old house that I spent years fixing only to sell for way less than I bought it for. When it comes to home buying, I am the story of what not to do. But that guy? That guy is not you. You are two times smarter, you're three times more organized, and you're ten times better looking than he was. You're going to find the right home for the right price, and you're going to have fun doing it. That process starts right here with the New Home Buyer's Guide podcast. We're glad you joined us. Welcome new home buyers to episode two of the New Home Buyer's Guide podcast. In this episode, we're going to break down the question, "Should I buy a house?" Obvious first question, right? That is absolutely the first topic you should address in your home-buying journey. So it makes sense that we break that down right from the beginning. But before we dig into that question, I want to offer a quick overview of the journey we're embarking on and how it will transform your home buying experience. I mentioned in the first episode how the New Home Buyer's Guide came to be. So if you missed it, definitely head back over there and take a listen. What I could never have realized in 2015 when I created that first video is how many people we would truly help. Hundreds of thousands of first-time home buyers like you have watched our videos on YouTube and purchased our online course at NewHomeBuyersGuide.net. What started as a way to answer simple questions for our insurance clients that were first-time home buyers has become a comprehensive nine-step approach to organizing and understanding the home buying process. And that's what we're going to continue to do with this show. In every episode we'll talk through a specific question that you either have or you should have, then we'll offer some quick and easy answers. Along the way, we'll talk with experts and other first-time home buyers just like yourself. In fact, if you'd like us to answer a specific question or even talk on the show, why don't you head over to NewHomeBuyersGuide.net and share your question in the chat feature right there on site. Okay. Let's dig into our first official topic. I'm willing to bet that in the last month you've been sitting on the couch scrolling Instagram and seen a friend celebrating the purchase of a new home. Or maybe you were at the fitness club running on a treadmill and imagining being able to have a workout space in your own home, and you thought to yourself, "I need to buy a house." Immediately after that thought, I bet other questions rolled into your head. Do I have enough money? Is it the right time to buy? Do I even know what to do? And that is the point where you say, "Oh, forget it! I have no idea what I'm doing and buying a house is totally stupid anyway." So who's right? Did your Insta-friend make a smart decision? Or did they just tie a financial chain around their ankles for the next 30 years? Well, it could be either. So let's dig into how you can tell the difference between the two. All right, so let's get into it. We're going to dig into four questions that have to do with whether it's the right time for you to buy a house. Let's talk about each real quickly, and then we'll dig in. The first one is, does it make financial sense? Buying a house is not all about the money, but it is one of the biggest investments you might make over the course of your life. So it's smart to think about money of course as a part of the conversation about whether you should purchase a home. Is it the right time? There are right times and wrong times to buy a house. We'll talk a little bit about that. What if my life changes? We'll talk a little bit about what parts of life are kind of the right times to buy and maybe when they aren't so much. And the finally, what are the hidden costs? Sometimes we get caught up in the surface of the home buying process, and there are definitely some hidden costs that I'll uncover for you a little bit so that you can have a sense of what all is in there. Then finally, the fifth question that just might make you change your mind about the process, we'll dig into that at the very end. So let's get going. Let's start with money sense. Does it make sense to buy a house right now based purely on money? And I'm going to create a scenario for you that'll just give you a sense. Obviously I don't know what your particular scenario is, but let's just say you were renting, and you're renting for $1000 a month. I just pulled that out of my head and it's very even and that's nice. So $1000 a month. And let's say you could buy a house and have a mortgage for exactly that same $1000 a month. The nice thing about that scenario is no change in your monthly out-of-pocket, right? So let's look at the differences and how they compare. Let's start with renting. So you're monthly rent, we already said it. $1000 a month. Easy. Okay. After five years you will have spent a whopping $60,000 renting your home, and after 10 years we'll double that of course and it will be $120,000. So over 10 years, and that's a super long time I realize, but it just gives you a sense. You'll have spent $120,000 renting your home. Well worth it, you've lived in that home for 10 years. You've had a roof over your head and all those kinds of things. But you will have put that amount of money out. So let's look at what you got for that. Well, obviously you got a place to live. There's a value to that, there's no question. But did you get any equity? Did you gain any financial scenario because of that renting? Well no, you didn't. You didn't gain any equity at all. Did the value of your home increase over the course of time? If you buy a home for $150,000 right now, 10 years from now it's probably going to be worth more than that. It depends on the market of course, but it can increase in value. And of course if you're renting you would not have that. What about your upkeep expenses though? Did you have to replace the roof? Did you have to replace the furnace? Did you have to repaint the house? No. You didn't have to do any of that stuff. That's part of the positive to renting, right? And that also costs you zero. So that's a really good thing. So you didn't gain any equity. The value of your home that you owned didn't increase, that's another type of equity, and you didn't have to pay any upkeep expenses either. Let's look at buying. Let's say you're going to buy a $150,000 house. I looked at this, I tried to figure out okay, well what could we get to $1000 a month? What's realistic? And so a $150,000 house with a 30-year, 5% fixed-rate mortgage. Now there's a lot in that and I'm not going to dig into it right now, but that's a pretty common type of mortgage. So if you got that mortgage and you paid $7500 down payment, then that would add up to about a $1000 a month payment. So that would give you a sense of exactly what you can get for that $1000 a month. About a $150,000 house if you get the right loan. Your monthly mortgage would be $1000. Over the course of five years you will have spent exactly $60,000, the same as renting, and over the course of 10 years you will have spent $120,000. So the out-of-pocket costs on the surface are exactly the same as renting. You'll have spent the same amount of money. What would your equity be? Well, I looked it up and I looked at what that basically would add up to, and just paying $1000 a month down on a 30-year mortgage, you'd have about $13,000 of equity after five years. So that's pretty good, right? Now your house is likely going to increase in value as well. I've chosen a very low 2% increase value. It's possible that it could go up by more than that, but this is a safe number. If it increased in value by 2% per year, you would have another $15,000 that you had made off of your investment in your own home. So there's $28,000 more there after five years than you had before. You'd also have upkeep expenses though. And when I looked at really the details of it, I figured $2000 a year is ... it might even be low guess really, but let's just use that $2000 a year. You would have spent $10,000 on upkeep expenses. After 10 years, we would do the same thing and we would just basically double those. Now you've got $62,000 of equity that you would not have had if you had rented the house. $62,000. But you also have upkeep expenses at $20,000. So after 10 years with these very conservative numbers that I'm making up, you would have $42,000 of equity, essentially, in this property. Then that means if you wanted after 10 years to sell your house, you likely could make $42,000 off of it. Now you could of course make a tons more, and if things went wrong you could make tons less. But this basic premise gives you a sense of what the value of owning a home is. You're going to grow that equity and the value of your home is probably going to go up, and so you increase that value as well. And with this very conservative look after 10 years, you could have $40,000 in your pocket that you would not have had if you were renting. That's just a way to look at it. So renting, you gained zero dollars over the course of that time. In buying, you gained up to $18,000 ... that's after five years I would think. Then after 10 years, you know, the same. Renting you don't have any equity at all, buying you have about $42,000. Again, I feel like I need to say this is based off of generalized numbers that I came up with, but based off of what I see in the market, what I see in growth. In fact, I think these are super conservative numbers, and that you could make a lot more money off of your house over the course of 10 years than $42,000. But you could make less as well obviously, depending on the market. So does it make money sense? Well, buying definitely has the potential to be a lot better for you over the course of time than renting. Because when you're renting, you cannot grow that equity. On the other side, renting you don't have any of the risk. You don't have any of the expenses, and so there are some things there too. But I think in general buying a home, if you can do it, and if all the things I'm going to talk about after this line up, then it does make money sense to own your home rather than renting your home. There's a reason tons of people have investment properties that they want to rent to you. Because owning that home is valuable, and they can make money off it and they've realized that. If you own your own home, then you get in on that investment capacity and ability. You get to make money too instead of having someone else make money off of your rent. So it does make money sense, assuming those basic premises that I just created. So the first topic in answering the question should I buy a house was, does it make financial sense? And I laid out that, yeah. Most of the time it probably does. The next question has to be, is now the right time to buy? I wanted to go back to an ancient Chinese proverb that ... When is the best time to plant a tree? The best time to plant a tree is 10 years ago. I just showed you. If you had bought a house 10 years ago, it's very likely that you would have equity up to $40-$50,000 in the house that you owned. But when's the next best time to plant that tree? Well it's obvious, and that's today. If all these other pieces make sense. If it all lines up for you right now. If your finances are right, if the market is right, then today is a great time to buy. If it works for you. If it makes sense, then today is a better time to buy than five years down the road, because you want to start building that equity and you want to get that increased value in your home as soon as possible. Does that make sense? Okay. Building equity takes time, so the sooner the better if you're going to buy. But, there are two things you got to get right first. You know, there's a couple of things that you really do need to get right first. The first one is your credit. It is not the right time to buy, in my opinion, if your credit is bad. If your credit is in bad shape ... and look. We're going to dig into your credit in the next couple of episodes. We're going to really figure out what's going on with your credit. And if it is a problem, we're going to help you fix it. So don't worry too much about it, but takes time. It takes time. And if your credit is bad right now, it just might not be the right time for you to buy. You can force it with bad credit. You can get a loan a lot of times and force yourself into a home ownership situation, but I see a lot of folks who don't have good credit putting themselves in bad situations and ending up buying a house they shouldn't have bought. Just wait. Wait a couple years. Get your credit right. Get yourself put together on the financial side, and then buy a house. It makes so much more sense. On that same line, you got to start saving up for a down payment. 10% is awesome. 5% is really the minimum that you should put down. And most people don't just have that money. I used that $7500 example earlier. I don't have $7500 just sitting around. You probably don't either. So it's time now to start putting money aside. Put a little bit of money aside. Have it automatically withdrawn from your checking account and put into your savings account. Ask your parents if they can help out. Whatever your scenario is, having some down payment and money is going to make the purchase process way easier and way more profitable for you in the end, because you can get a better loan with a better interest rate, along with lots of other things. These two things must be right. Your credit and your down payment have to be right. Another reason it's not the right time to buy is if you're only going to be in this town for a couple of years. Investments take time. Building equity in a home takes time. And you have to have, I think, at least five years in the same place to really see value out of your purchase. Now lots of people could talk about different ways that you could find value in a short-term purchase, and yeah those are possibilities, but they're not as likely. If you're going to be in a town for less than five years, and certainly less than three years, then it's probably not the right time to buy. It's probably the best time to rent, enjoy the space you have, wait until you're in a little bit more stable situation so that you can buy a house and live there for five or 10 years, and find the equity like I talked about in the first part. So to summarize this question, 10 years ago was the perfect time to buy. Right now is the next best time to buy, if it makes sense for you. Three pieces you need to think about in figuring out whether it is the right time for you are your credit and whether it's good or not, down payment and whether you have some kind of way of getting 5-10% down on your purchase, and finally your longevity in the space that you're in. If you know you're moving to another town in two years, it just doesn't make sense to buy a house right now. All right. So it makes financial sense, your credit is right, you've got a down payment or you're saving up for that down payment and you know you're going to be in the same town for longer than a few years. All those things are lining up. So what other complications could there be, or things maybe I should think about? Well the next one is very simple. It's hidden costs associated with buying a house. So what are the hidden costs? Well, there's closing costs. The closing costs are really all about all the things that are costs as a part of buying a house. So that can be paying for the inspector who does the inspection during the process, the appraisal that the mortgage company asks you to do. It could be the insurance, it could be the property taxes. A lot of times insurance can be $1000 a year, $2000 a year, something like that. And taxes totally depend on the community and the tax make-up of the community, but it can be a huge chunk of money. So when you're in that buying process, or when you're thinking about buying, you got to say okay, what types of taxes are associated with this property and what types of insurance, because you're going to have to tack that on to your monthly. If you find out ... You want to buy a house, you go out and you say all right, what are the taxes going to be? And you say well, in this town for this size house the taxes are probably going to be $2000 a year. And the insurance, let's say the insurance is going to be $1000 a year. So we got $3000. We have to split that in 12, so that's somewhere around $280. That's going to affect your monthly mortgage payment by $280. So that's something you've got to figure out and think about. There's lots of costs associated with buying a house. Now that's not a problem if you own that house over a period of time because you'll make that money back. But if it's a short period of time, that's one of the reasons why you just have to take into account those hidden costs. Okay. So those are the hidden costs. And finally, I brought this up a little bit earlier, the upkeep expenses. You may need a new roof. That could be $7000 or $8000, or a furnace tends to be $4000 or $5000. Appliances can be a grand a piece. You know? Just mowing the lawn. I mean, maybe you go out and buy a $500 lawnmower and you mow your own lawn, which makes sense. Maybe you have someone come out, and that's $20 every two weeks or whatever. That's pretty low, but that's what I charged when I was 15, so probably double that. It's probably $40 a shot or something. Those are all upkeep expenses that you're going to have to deal with. And those are all costs that come after the fact. All these upkeep expenses, if you're not prepared for them, can smack you in the face. We don't want that, right? The whole point is to say, okay is it right time for me to buy a house? And you say, okay. Well, if I'm going to go out and look for a house, am I going to go out and look for a house that has a brand new roof, a brand new furnace, brand new appliances, so I know I don't have to deal with any of these upkeep expenses? That's one way to do it. Probably going to pay more money for the house in that scenario though. Or, you can buy an older house and know that you're going to have a whole bunch of costs associated with this stuff. And if you're smart about your finances, you're smart about the situation, then you build that into what you know it's going to cost to own a home. And it can be absolutely worth it. You just have to understand it. There's a huge difference between knowing the costs associated with owning a home and getting smacked in the face by them. When I bought my first home it was beat up, I barely had enough money to buy the house itself, and I didn't think about any of this stuff. And I just got smacked in the face by one thing, smacked in the face by another thing. And it just felt like, oh my gosh. I'm spending all this money on this house. I didn't think about this $8000 roof I was going to have to deal with. Oh my gosh, now my furnace isn't working. And then I turned around and tried to sell it, and I didn't make ... I sold it for less than I put into it by a long shot. It was simply because I didn't get it. I didn't understand. You're not going to be in that situation because you do get it and you do understand, but you got to be thinking about these types of things. So the last hidden cost is those upkeep expenses. All right. Let's get to the bonus. What's the fifth question? Is investing in that house worth it? If your finances in your life moment say yes, you still need to buy smart. Again, I did not do this well because ... You'll go out and look at houses. And if you work with a realtor, they'll take you to some different houses. They'll be in your price range. And you'll see one has all new appliances and all this kind of stuff, but the square footage and maybe the look of it and the vibe of it just are not really what you want. But it's in your financial scenario, right? It's right at the amount of money you want to spend. And then they'll take you to another one where it's the same price and you get all this additional square footage, and it has character and it's older. It's cool and you walk around and you're like, "Oh I could just fix that thing and that thing." You just get sucked into it because older houses are cool. And there's nothing wrong with an older house. Don't get me wrong. There's nothing wrong with an older house, but especially when you get into those scenarios, you've got to be super careful because you've got to realize if it has an old roof. You've got to realize if it has old appliances. You got to realize if it's a money pit and you're going to end up spending tens of thousands of dollars. You may turn that house into the most beautiful thing you've ever seen and live in it for 30 years and have a wonderful life and make lots of memories. And in the end, make lots of money off of it too. That might be okay, but you got to be careful. Is investing in that house worth it? Sometimes the houses that have the most character are also the ones that are going to sap your pocketbook the most. Doesn't mean you shouldn't buy an older house or a house with character at all. It just means you have to be smart and make sense of that purchase and not buy just on your heart ... Of course you're going to buy on your heart. It's your home. It's the place you're going to be living. But don't buy just on your heart. Buy on your finances too, and buy it based on the information from a smart realtor who's telling you what's really going on. And that inspection. Get an inspection. If the inspection just has tons of problems, that might be a reason to back off because investing in that house may not be worth it. All right. Wow. We made it. So let's review. The question of this episode was, should I buy a house? Obviously one of the most important questions we should ask before going into the process. And I asked you to consider four things when answering that question. The first, is buying a house actually a smart financial move? The second was, am I in the right financial position? Is my credit right? Do I have a down payment saved, or do I have a way to save for that down payment? The third, is my life settled for at least three to five years? Am I going to be in the same place for a long enough period of time to be able to make a profit off of the house? Do I understand the hidden costs? The closing costs, insurance, property taxes, some of the maintenance, things that you'll need to take care of as a part of owning a house? Then we threw out a bonus. Is this house right for me? As I'm looking at houses, am I balancing the idea of character and that vibe that I want to make my life happy and the feeling of my home to be awesome with the profitability of the home? Is it something I can sell again down the road for a profit? Do I have a lot of money I have to put in? Is it a money pit, or a lot of the thing taken care of already? So that was the bonus. All right. So it's time for some action steps. We want to hear from you. Are you ready to buy a house? What are the things you're hung up on? Or the things that you checked off as you listened to us talk about it through the process? Head over to Instagram and comment on our episode two post. Share your thoughts. Share your love. Share a little hate. If there was something that you totally disagree with, we can handle it and we are ready for it. Also, if you want a comprehensive online course that walks you all the way through the home buying process, we have created it for you. There are checklists and videos, and a private group just for members. You can find all of this at NewHomeBuyersGuide.net. If it isn't the best bit of home buying advice you've ever experienced, we will gladly refund your money. But really, when you see the price, even a third of the information we provide and the community that is behind that pay wall, would be 100% worth it. All right. Until the next time, happy home buying.

Topics: - Is being attracted to a stud sus⁉️ - The Kodak &Young MA story - Are you a gold digger if you marry for money??? - Wendy Williams “The Drug Addict” - Adrian Bronner DMs exposed --- Support this podcast: https://anchor.fm/willawednesdays/support

Join Ted Hicks & Rich valdez as they moderate the #LNPShow that discusses today’s current events, social topics & raising kids in this current time. Featured Guest: Valerie Hines, customer service manager for RedWeek. The largest online marketplace for renting, buying, and selling timeshares. Topics: Is it time to delete Michael Jackson? Skype for Web is live for Chrome and Edge browsers only? 15 unwritten rules of communicating in the digital age Sen Elizabeth Warren wants to break up Amazon, Google and Facebook - if elected president in 2020? Good idea -- or lip service? YES Network sold to Yankees, Amazon, Sinclair and private equity firms Daylight Saving Time

Topics: - Is a Borderlands 3 Reveal Imminent - Twitch Prime’s Free Games for March are Out Now - Dead or Alive 6 Releases with $93 dollar Season Pass - Horizon Zero Dawn Passes 10 Million Copies Sold Love the podcast? Leave us a voice message via the anchor app on your phone and have it showcased during the DBN Prime Podcast. Find us at Twitter @DadsBeardsNerds and Instagram @DadsBeardsNerdsPodcas Oh and join our amazing Discord community! George, Anthony, past guests and fellow nerds await you! discord.gg/8cSdcgz --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/dadsbeardsnerds/message Support this podcast: https://anchor.fm/dadsbeardsnerds/support

Show Notes You can ask us questions!  Use the Contact button above or leave your questions in the comments below.Don't miss these Topics:Is it a bad idea to quit a job over an abusive boss? by XNekoGhostXWould an employer rather see continuous long term employment in one position, or shorter positions (6-12 months) in various positions IF it was showing professional growth? by mrsabfCan I leave some jobs off my resume? by NumerousImprovements18 and ready to graduate high school. Curious if what I want to do is a viable option? by The_pomade_princeI'm 24 and was just passed up for a significant promotion. I don't feel like there is much left for me at this company, what do I do? by MetesheriffResources (including affiliate links)Mike Rowe Works FoundationSimon Sinek TED Talk: How Leaders Inspire Action (Golden Circle) iTunes: Rate and ReviewRaw and Unedited Transcript View Transcript00:00:00 - 00:05:00? This is a production man to provide meaningful support to find great careers faster. Whether you're working or not today on job seekers radio were actually answering a plethora of questions from read it at least four or five whatever we have time for. That's right. And so we often find that there's a lot of great content and support unread it as a platform so that you can get farther along in your career, right? There are more than five questions on read it. But we've chosen a few to address today there will be some others in the future. But this is a good place to start the first one that we're going to address here is from Nico ghost. Who wrote isn't a bad idea to quit a job over an abusive boss, and the back story is I've been working at this job for over five months now, and it was fun. But lately, my boss has been meaner and meaner to me like she'll tell me, I'm worthless one minute. And then tell me I'm doing a great job the next and co workers have been telling me that. She talks about me behind my back saying I do nothing while I'm in the middle of doing something it's gotten so bad that other co workers are trying to protect me as best. They can I really don't want to quit as loved the job itself. But my boss makes me want to cry every day, and it's hard to find jobs in my area. Anyway. So should I stick it out? Or would it be better to move on? And find a new job. Yes. Always be looking for a new job. That's great advice. Those of us who have been through sales for any length of time in our careers know that a good salesman never stops. Looking now with that said the abuse needs to stop. And if you have not yet had a conversation about how you feel about these interactions that would be the first step and a lot of people are intimidated, or they feel like they can't have that conversation because they don't know how to give that kind of feedback without it seeming like an accusation. We'll name might be afraid to get fired. Exactly you go any kind of retaliation. Yeah. I mean, I don't wanna be looking over my shoulder either. Right because in environment where you want to build trust with your co workers. You don't want the boss hamstring India? You'll also on your coworkers to do all the work for you. Because that is going to do as packed your confidence. I always recommend people. Ask permission. Meaning whenever you have an observation you're making about a superior or somebody that you don't feel comfortable having a conversation with. Hey, scott. You know, would it be okay. If I share something with you. I think might be helpful for both of us to make our career or work load here better. Yeah. I think that's a great idea. Because now you're actively engaging them before you talk about what's difficult by by doing. So you're starting the conversation with a yes, if they say, no, I don't have time then bring it up later. But the idea is you do want to engage them with them making the first. Choice to say yes at that point. I usually go with the SBA model for giving feedback and that is situation behavi...

Whether or not keto is safe for women, why alkalinity matters on keto, the hormones many of us struggle with, and so much more. TOPICS Is keto safe for women? (05:44) Why alkalinity matters on keto (11:52) The hormones many of us struggle with (18:23) RESOURCES Get the FREE keto guide + transcript Questions? Ask me! Submit your keto question The Keto Beginning coupon code: KETOPODCAST for 20% off Pre-order your copy of my new paperback, The Keto Diet Cookbook KĒ coupon code: LEANNE10 for 10% off Perfect Keto coupon code: KDP for 20% off

Pilot Talk & Friends is still moving strong, we are visited with our hip hop bros from the Working Title Podcast! Topics: Is hip-hop a young man sport? Gift & Curse of making a classic album RATE THE BARS IS BACK! A favorite segment of ours (mainly JuGatti's) && Jill Scott, Job shaming, Take Care 7 years later + much much more #PRESSPLAY FOLLOW WORKING TITLE Taji Twitter: @hebackatit IG: @hebackatit_ Sway Twitter: @bsway_ IG: @bsway__ Working Title Twitter & IG: @WorkingTPod FOLLOW THE PILOTS Twitter: @pilottalkpod IG: @pilottalkpodcast Santana Twitter & IG: @THAKIDSANTANA Pitter Twitter: @PITTERHOTSPITTA JuGatti Twitter: @_JuGatti IG: @JuKnowIt Use the hashtag #PTPodcast to join in on the conversation!

Show Notes You did the networking. You made the application. You might have even done a cover letter.  You prepped and practiced for the interview.  You performed really well.And then it come.  The sound of silence. No response. No one answering your calls for status. What do you do?Don't miss these Topics:Is not hearing back normal?How to deal with the quiet after the interviewPost-interview StrategyPre-interview PreparationHow to make the interview quiet productiveControlling the hiring processNetworking with hiring managers Resources (including affiliate links)Rate and Review on iTunes Anatomy of a Networking Conversation Get your Free E-Book and Companion Audio Now Email DOWNLOAD NOW

TOPICS: Is the C word a bad word Fox Entertainment vs Fox News, Kids in Cages/Trump Administration Lies/Melania's Wardrobe, XXX Tentacion/Jay-Z and Bey/Jay Rock Album of the Year, 2018 NBA Draft/Dwight Howard is no HOFer/The Saga of Kawhi. | SEGMENTS| Why we have hope in the world today: twitter.com/dre2332 twitter.com/RacismDog twitter.com/gavinthomas

Show Notes Occasionally you will have intuition that it's time to find a new job. Most of the time, you want to always be open to opportunity. We discuss techniques and mindset for finding a new opportunity while you are working.Don't miss these Topics:Is this your dream job?Have all the promises  been kept?Finding your Best scenario and what to do about it.Being and keeping everything fresh on LinkedIn and in your Resume.What is your dream job?What is loyalty today?Does job tenure equal job hopping or stale skills?Finding motivation and purpose to consider alternatives.Serving Others and Paying it Forward.Finding Opportunities that Are Better than what you have, even if you already have a great job.Resources (including affiliate links)Employee Tenure Reports Bureau of Labor Statistics  Anatomy of a Networking Conversation Get your Free E-Book and Companion Audio Now Email DOWNLOAD NOW

Topics: • Is rap beef really on sight? • So What did Raheem Sterling actually do? • Caribbean pride , Wearing the Jamaican flag

Whether or not buying organic is worth the cost, why non-GMO matters, the buzzwords behind ethical animal proteins, and so much more. TOPICS Is organic worth it? (18:36) Why non-GMO matters (27:26) The buzz words behind ethical animal proteins (33:54) RESOURCES Get the FREE keto guide + transcript Questions? Ask me! Submit your keto question Free keto resource: 5 steps to overcoming carb cravings Thrive Market coupon: $20 off your next three orders paleovalley coupon code: KETO for 20% off

Guest: Michael Lebowitz Founder of 720 Global Record Date:  10/10/17 Topics: Is the Economy Growing or is it Stagnating? The role of the Fed & how this all ends Fed Raising Rates, then doing more QE Some Equity Valuations like 1929 & 1999 Passive Investing creating false valuations Rapid Fire How has your trading evolved? […]

Topics: Is it Gonna be Boys There (Kyndacee.com) NBA Madness All Eyez on Me Philando Castille Dunn Language Worst Gifts Ever Music: MadeinTYO "Picture Me Rollin" https://soundcloud.com/madeintyo/picturemerollin H.E.R. "I Won't": https://soundcloud.com/iamhermusic/i-wont-1 Steve Lacy "That's no Fun" https://soundcloud.com/steevlacy/im-differentyeah-im-different SZA "Broken Clocks" https://itunes.apple.com/us/album/ctrl/id1239976329 Tupac "Pain" https://www.youtube.com/watch?v=OSgkBF6LjH4 Mobb Deep "Shook Ones": https://www.youtube.com/watch?v=yoYZf-lBF_U

Sana G, DC & Lexx Jonez talk to Bay Area artist Derek King! Topics: Is it cool for 2 dudes to Facetime each other? We also talked about his Filipino girlfriend and what it's like to finally be 21! And before we let him leave Derek even sang a lil bit for us!

RepublicanDirtyTricks.com’s Tara Devlin welcomes Obie Award winning actor and educator Brenda Currin! Brenda most recently played Thelma Toole, in Mr. Toole about John Kennedy Toole who wrote A Confederacy of Dunces. Brenda was in such films as In Cold Blood, The World According to Garp, Reds, Taps, and cult classic, C.H.U.D. She also co-founded What Girls Know, a national theater program for the healthy development of adolescent girls. She has performed two adaptations of Eudora Welty’s stories throughout the country and in Europe. She just completed working behind the scenes towards a gala event for the Amistad Research Center in New Orleans. TOPICS: Is it just coincidence that the first female presidential nominee of a major political party is battling a misogynist who considers sexual assault a trust fund-baby birthright – or does the universe have a sense of humor? We’ll discuss all this and MORE!

Tonight we have Churba, Nelson, Victor, and in-studio guest Amanda! Topics: – Is banking on nostalgia enough to make a good movie? – When the world is filled with clouds and life’s got you down, what do you do to bring out your happy? – Does fanart add economic value to a work (TV show, […]

Weekly live webcast/podcast devoted to discussion of current events and politics from the perspective of Objectivism, the philosophy of Ayn Rand. Hosted by Amy Peikoff. TOPICS: Is it valid to argue, today, for the right to private gun ownership on the grounds that this may be needed -- someday -- to protect ourselves from the government? What about gun *registration* or other government collection and retention of information about gun owners. Is that harmless? Lance Armstrong, "food p0rn" and more.

Real Talk T.O., Real Talk (Click on the logo or on the text Episode 5 to download) Episode 5 Topics: Is it wrong for advertisers to use cartoon characters on cereal boxes? Should billboards be taxed to help fund art? We’ll play “Overrated, Underrated, Properly Rated” with some issues of the day. In Real Talk […]

In to today's show we covered the following questions sent in by our listeners. Please use the comment box underneath this page to send in any future questions. Topics: Is spiritual growth through pain necessary? : Do clones have souls?: Chemtrails real?, Healing questions: Oil Spill update, is it fixed? : Do we all choose this life before we are born? : Life Review, Recompense and Reconciliation with other entities. Questions: If we are in the physical life for growth, then why is growth so painful and most of the time we get more pain (emotionally) than good? Do spirits choose the location and circumstance of their life on Earth before they are born? Is the BP oil spill fixed now as the US government are now suggesting that most of the oil has dissipated? When people such as Richard Dawkins, and others state everything we experience is due to our brains, and we are just gene machines, what would Gregory say to someone such as Dawkins to convince them we are not deluded by thinking ourselves eternal? Also with reference to Dolly the sheep where does the soul of something artificially created come in? Has Gregory told us yet what chemtrails really are? I have been taught that the primary purpose of healing is to touch the soul, would Gregory kindly explain about this? When people seek spiritual healing is it for physical pain or mental anguish that they are aware of, or does their soul also have a say in bringing them for healing? Is the purpose of giving healing to the soul to educate, to heal? Why is an earthly being helpful in healing the soul when the healing is I assume, 'spirit to spirit'? And much more...

Housing costs, debt, and the Great Recession of 2008 are all to blame-- but there are ways for millennials to get their finances on track. Today's Stocks & Topics: Is the Bond Market in a Bubble?, Investors Should Be Optimistic, Mortgages With a Negative Interest Rate... in Europe, Retirement Money, When to Invest in the Market, Universal Basic Income, College Savings, I-R-A, Stock Limits, Individual Business Operations, Where Does the Money Go.Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations

Housing costs, debt, and the Great Recession of 2008 are all to blame-- but there are ways for millennials to get their finances on track. Today's Stocks & Topics: Is the Bond Market in a Bubble?, Investors Should Be Optimistic, Mortgages With a Negative Interest Rate... in Europe, Retirement Money, When to Invest in the Market, Universal Basic Income, College Savings, I-R-A, Stock Limits, Individual Business Operations, Where Does the Money Go.Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations

The continuing U.S-China trade conflict has disrupted the global economy, left business scrambling for new suppliers and dampened investment.   Today's Stocks & Topics: Is $1 Million Dollars Enough to Retire On?, Tariff War, Capital Gains Taxes, BAC - Bank of America Corp., Japanese Like Collapse, Consumer Sentiment Report, VMW - VMware Inc., 529 Plan, Dividend Payout Ratio, Investing in the Market.   Plus: Key Benchmark Numbers and Market Comments for: Gold, Oil, Gasoline, Treasury Yields; TRIVIA QUESTION: "In terms of market valuation, how much money did Bezos lose yesterday? And what is his approximate net worth today?"Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations

If banks and the government don’t take prompt action to keep borrowers from defaulting, a “domino effect” of catastrophic economic consequences could occur.   Today's Stocks & Topics: Is this The Bottom of the Market?, China Economy, Bonds, 401(k) Rollover, MKC - McCormick & Co. Inc., TNXP - Tonix Pharmaceuticals Holding Corp., Balance Sheet, BAC - Bank of America Corp., UTX - United Technologies Corp., TXRH - Texas Roadhouse Inc., Debt, VGHCX - Vanguard Health Care Fund Investor.Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations

Housing costs, debt, and the Great Recession of 2008 are all to blame-- but there are ways for millennials to get their finances on track. Today's Stocks & Topics: Is the Bond Market in a Bubble?, Investors Should Be Optimistic, Mortgages With a Negative Interest Rate... in Europe, Retirement Money, When to Invest in the Market, Universal Basic Income, College Savings, I-R-A, Stock Limits, Individual Business Operations, Where Does the Money Go.Support this podcast at — https://redcircle.com/investtalk-investment-in-stock-market-financial-planning/donations