Podcasts about Walking

A verse-by-verse study of the Book of Galatians (this part will cover chapters 1-3). This lesson focuses on going back to old ways, another gospel, false brethren, perceiving grace, Paul vs. Peter, Law or Grace, rebuilding what you destroyed, the faith of Abraham, the stepping stool, a schoolmaster, children of God, repeating childbirth, Ishmael or Isaac, returning to bondage, walking in the Spirit, and more. 0:00 Introduction to Galatians 6:56 Returning to Old Ways 14:33 Removed to Another Gospel 27:41 The Same Truth 33:19 Independent of Any Other 47:13 False Brethren & True 56:01 Perceiving the Grace Given to Others 1:05:03 Withstanding Peter to His Face 1:17:38 Law or Grace 1:26:59 Rebuilding What We've Destroyed 1:43:13 Who Hath Bewitched You 1:51:42 The Faith of Abraham 1:57:02 Conquering the Curse 2:04:31 Confirming the Abrahamic Covenant 2:15:20 Adding the Stepping Stool 2:28:09 Our Schoolmaster 2:38:41 A New Identity in Christ 2:43:43 Children of God 2:55:56 Weak & Beggarly Elements 3:09:02 Giving Birth Again 3:13:44 Ishmael or Isaac 3:22:19 Returning to Bondage 3:32:38 Walking in the Spirit 3:47:16 Meekness & Humility 3:54:18 Be Not Weary in Well Doing 4:04:35 Conclusion

During your time listening to these two change makers, you'll learn more about: World Vision Foundation's Core Philosophy: Discover the guiding principles and actions that define this global humanitarian organization. The Walk for Water Initiative: Dive deep into this inspirational campaign, its origin, and its lasting impact on global communities. Innovative Collaborations: Learn about World Vision's unique partnership with Sesame Street, aiming to inculcate essential hygiene practices in the younger generation. However, this conversation is not merely an informative session. It's an opportunity for you to understand the vast network of operations, initiatives, and collaborations that World Vision has cultivated over the years. As you navigate through these discussions, you'll gain a comprehensive perspective on the organization's dedication to global humanitarian efforts, their practical strategies for change, and the various avenues through which you can contribute and become part of their mission. This is your chance to connect with two seasoned professionals, absorb their wisdom, and perhaps, get inspired to make a change in your own way. Randy Haacke, Senior Area Director for World Vision, is a man whose life has always been centered around service and making an impactful change. For over eight years, Randy has been instrumental in forging bonds between donor families and individuals in Washington, Montana, and Alaska. Michael Gillespie, is a name synonymous with leadership and results-driven strategy in both for-profit and nonprofit sectors. Michael's resume boasts influential roles in prominent organizations, including World Vision, Rite Aid, Ames Tools, and Family Christian. His current role as Senior Director in Corporate Engagement at World Vision is one of unique distinction. Here, he spearheads initiatives to form meaningful collaborations, with an emphasis on product donations and impactful community betterment campaigns.  Full Show Notes: https://bengreenfieldlife.com/worldvisionpodcast Episode Sponsors: Anthros: Try Anthros risk-free - return at no cost if it's not the most comfortable posture improving chair you have ever owned. Enjoy $200 off www.anthros.com/ben Lucy Gum: If you are looking for a cleaner and tastier alternative to other nicotine products, Lucy is for you. Save 20% on any order. Head to lucy.co use discount code BEN20. BGL Masterclass: Identify barriers and your biggest weaknesses that prevent you from making the most of your available time and resources. BenGreenfieldLife.com/masterclass  Neurohacker Qualia Senolytic: Take this cutting-edge formula just 2 days a month to help your body eliminate senescent cells, which is KEY to optimal aging and feeling younger. neurohacker.com use code SENOBEN for 15% off.  Levels: Your first purchase will include a one-month supply of continuous glucose monitors, a 12-month software membership, and an additional 2 free months of their annual membership if you go to levels.link/BEN.See omnystudio.com/listener for privacy information.

About This Broadcast: Let's Be Friendly to Our Friends. THE CLERGY. If it were not for the Clergy there probably would never have been AA. Join Chris S. and the Monty'man as they take you through a journey into the Grapevine Writings of Alcoholics Anonymous Cofounder, Bill W. You will grow to appreciate Bill's foresight and wisdom and the love he had for the fellowship, the insight he had into its possible pitfalls and his heart to keep its focus on its primary purpose. A new episode each Thursday or Friday until the series' completion. #aa #na #celebraterecovery #alcoholicsanonymous #recovery #recovered #alcoholic #twelvesteps #wedorecover #narcoticsanonymous #traditions #addiction #bigbook

Federal Reserve Helps You and Hurts You. How To Win

Today is the 22nd of September 2023. Welcome to Walking the Way. My name is Ray and I really want to say thank you to everyone for listening in as we continue to share in a regular rhythm of worship and devotion together. Credits Opening Prayer https://www.plough.com/en/subscriptions/daily-prayer Bible verse Deuteronomy 20:15 Thought for the day Ray Borrett Know the truth by Bruce Milne (This is an affiliate link to help support the podcast) Bible Passage Deuteronomy 20 English Standard Version (ESV) The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers. Prayer Handbook Click here to download it Download the Script https://1drv.ms/b/s!AnHHJxf-hxXptrJH8XPcLPQ4KVUfMA?e=viJGDH Supporting Walking the Way If you want to support Walking the Way, please go to: https://ko-fi.com/walkingtheway or you can subscribe to the channel: https://podcasters.spotify.com/pod/show/walkingtheway/subscribe To contact Ray: Please leave a comment or a review. I want to find out what people think and how we make it better. www.rayborrett.co.uk ray.borrett@outlook.com @raybrrtt https://fb.me/walkingthewaypodcast --- Send in a voice message: https://podcasters.spotify.com/pod/show/walkingtheway/message

Billy Embody is joined by Bill Armstrong of Epoch Wines to review their Ingenuity blend, talk about the Prairie View A&M game and what it means ahead of SMU facing TCU in the Battle for the Iron Skillet. Use promo code PONY for FREE SHIPPING on your order from EpochWines.com! Check out the Pony Express case at EpochWines.com/Pony. Head to EpochWines.com to join the Epoch Wine Club, a customizable club for those eager to automatically access new releases of Epoch wines two times a year. If the club isn't for you, buy individual bottles online! Get custom engraving, gift packaging, bundles and more! Thanks to our partner Gametime. Download the Gametime app HERE, create an account, and use code PONY for $20 off your first purchase! Forget planning months in advance. Gametime has deals on tickets right up to the day of the event. Get exclusive flash deals on tickets for football, basketball, baseball, concerts, comedy, theater, and more. The Gametime Guarantee means you'll always get the best price. If you find tickets in the same section and row for less, Gametime will credit you 110% of the difference. Download Gametime today. Last minute tickets. Lowest Price. Guaranteed. More info including how to download the app at Gametime.co! Terms apply. Go to birddogs.com/PONY or enter promo code PONY for a free birddogs hydro flask style water bottle with your order. That's birddogs.com/PONY or promo code PONY for a free birddogs hydro flask style water bottle. You won't want to take your birddogs off we promise you. Birddogs stretch khaki shorts are designed to fit slimmer through the thigh and leg giving you a truly sculpted look. Birddogs shorts do the exact same thing as Lululemon but fit way better. They fit way better than regular shorts that are made of a stiff, restricting cotton. Birddogs fixed this issue by inventing cloud knit fabric that looks just like khaki but stretches so you get a way slimmer fit without having to sacrifice movement. Birddogs uses anti-stink-sweat wicking fabric that keeps you cool and dry all day long. Want to buy the official game ball of SMU Football? Check out BigGameUSA.com or click HERE to see the official game ball for Preston Stone and the Mustangs! Use promo code "BEON3" for 10% off your order + FREE shipping! Use the code on SMU balls or any available ball on BigGameUSA.com! SUBSCRIBE to On The Pony Express YouTube by clicking HERE! Want more coverage of SMU Basketball and SMU Football, including the inside scoop on the team and recruiting? Subscribe to On The Pony Express by going here for a 7-day trial: https://www.on3.com/teams/smu-mustangs/join/  Follow our social media channels: Instagram: https://www.instagram.com/on3smu/ Twitter: https://twitter.com/smuon3 Facebook: https://www.facebook.com/OnThePonyExpress Learn more about your ad choices. Visit megaphone.fm/adchoices

#154: We're returning to the LA River today, this time on foot, not by kayak. Host Brian De Los Santos and HTLA producer Victoria Alejandro headed on over to Frogtown to hang out by the river and hear from two members of the Fifty-One Miles team. That's a project led by landscape architecture graduate students at USC who set out to walk all fifty one miles of the river over 6 days in early August. We'll hear how that was both a fun way to discover all the surprises the river holds, and how hanging out by the river can provide crucial research points for its future.    Guests: Hannah Michael Flynn, urban planning and landscape architecture graduate student; Nina Weithorn, ecologist, cartographer, and landscape architecture graduate student   Be sure to check out Fifty-One Miles online at https://fiftyonemiles.com/ And if you missed our kayaking adventure, you can listen to that here: https://omny.fm/shows/howtola/navigating-the-la-river-its-activist-history-in-a

In the third hour of the Marc Cox Morning Show: Mass of Illegal Aliens are invading the country Former US Senator Jim Talent joins Marc and Kim to talk about President Biden exchanging cash for Iranian Hostages Dr. Kirk Elliott, Economist and CEO of Kirk Elliott private advisors, joins Marc and Kim to discuss what the impact will be if the Feds raise interest rates again. Students walk out of school over letting transgender use the wrong bathroom   Coming Up:  Senator Josh Hawley

Dave Bartoo of the College Football matrix joins the show on the Farm Bureau guest line talking about the biggest storylines in week 4 of college football live in the BankPlus Studio. Dave starts by talking about some coaches that aren't in the game right now and some of them don't want to return to the game. Bo and Dave talks about Urban Meyer and Chris Peterson staying away from college football and how some people lose the urge for the sport and some, like Nick Saban, do not. Dave talks about what is wrong with Alabama and how Pete Golding is the defensive coordinator for Ole Miss. Bo asks Dave about the play-callers for Alabama and Ole Miss and Dave believes that Ole Miss has the better play-callers with Pete Golding and Lane Kiffin. Dave breaks down how Alabama lost a long time QB coach and how there is a window of opportunity for not only Ole Miss but every SEC West team to take advantage of the Crimson Tide having a down year. Dave says that he won't go near the game when it comes to betting but believes that now is the time to take advantage for Lane Kiffin and the Rebels. Dave looks at Mississippi State playing South Carolina and compares the scoring efficiency levels of each team. Auburn travels to Texas A&M as a 7.5 point underdog and Dave looks at how both of the offenses in the game are better than both of the defenses, which leads into a specific bet. Dave turns to the Colorado vs Oregon game and breaks down the scoring levels of each team and whether or not it is likely that Oregon wins by 21 or more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Walking tours can reveal hidden mysteries and secrets. So does finding a staggering motherlode of information in 8,000 family letters she found all written in the early 1900s. More mysteries and secrets to share. Nancy Botkin leads tours for WALK SAN FRANCISCO sometimes up lesser known paths sometimes up lesser trod paths. But, either...

Walking instead of driving to work, school or the store is good for the environment and our physical and mental health. But being a pedestrian isn't easy in California's car-centric culture. Our infrastructure is built with cars in mind, and that means that walkers and wheelchair-users can confront serious safety risks in a state where an average of three pedestrians are killed every day. This hour on Forum, we'll look at how the state is addressing pedestrian safety issues and we'll hear from you: What do you notice when you don't use a car? Guests: Ethan Elkind, director of the climate program at the Center for Law, Energy and the Environment, UC Berkeley School of Law; host of the podcast "Climate Break" Tim Weisberg, deputy director, marketing and public affairs, California Office of Traffic Safety

Do not take your eyes off the AL West and NL Wild Card races. With fewer than 10 games left, both races keep changing every day. The Astros were on the verge of falling out of the playoff race when they pulled off a walk off win and now are on pace to have home field advantage. Meanwhile the Reds wasted a glorious Hunter Greene start as they are part of a logjam with the Diamondbacks, Cubs, Marlins, Giants and maybe even the Padres. Jeff Carr of Locked on Reds joins the show to talk about the anarchy of the races. Follow Jeff on Twiter @jefffcarr Support Us By Supporting Our Sponsors! LinkedIn Right now, you can try LinkedIn Sales Navigator and get a sixty-day free trial at LinkedIn.com/LockedOn. Let LinkedIn Sales Navigator help you sell like a superstar today! birddogs Go to birddogs.com/LOCKEDONMLB or enter promo code LOCKEDONMLB for a free water bottle with any order. You won't want to take your birddogs off we promise you. Jase Medical Save more than $360 by getting these lifesaving antibiotics with Jase Medical plus an additional $20 off by using code LOCKEDON at checkout on jasemedical.com. Gametime Download the Gametime app, create an account, and use code LOCKEDONMLB for $20 off your first purchase. FanDuel Make Every Moment More.Make Every Moment More. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS - GUARANTEED. Visit FanDuel.com/LOCKEDON to get started. Sleeper Download the Sleeper app and use promo code LOCKEDON and you'll get up to a $100 match on your first deposit. Terms and conditions apply. See Sleeper's Terms of Use for details. Currently operational in over 30 states. Check out Sleeper today! FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Follow & Subscribe on all Podcast platforms…

Is hiking just another word for walking? During today's ten-minute walk, Dave talks about three difference between the two. Check out the open-ear, cordless SHOKZ headphones Download your free 90 Day Fitness Chain Tracker Support the podcast with a donation through Buy Me A Coffee

Today is the 21st of September 2023. Welcome to Walking the Way. My name is Ray and I really want to say thank you to everyone for listening in as we continue to share in a regular rhythm of worship and devotion together. Credits Opening Prayer https://www.plough.com/en/subscriptions/daily-prayer Bible verse Deuteronomy 19:15 Thought for the day Ray Borrett Know the truth by Bruce Milne (This is an affiliate link to help support the podcast) Bible Passage Deuteronomy 19 English Standard Version (ESV) The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers. Prayer Handbook Click here to download it Download the Script https://1drv.ms/f/s!AnHHJxf-hxXptq82mZ8f2JVaBM_9Eg?e=5QLoQc Supporting Walking the Way If you want to support Walking the Way, please go to: https://ko-fi.com/walkingtheway or you can subscribe to the channel: https://podcasters.spotify.com/pod/show/walkingtheway/subscribe To contact Ray: Please leave a comment or a review. I want to find out what people think and how we make it better. www.rayborrett.co.uk ray.borrett@outlook.com @raybrrtt https://fb.me/walkingthewaypodcast --- Send in a voice message: https://podcasters.spotify.com/pod/show/walkingtheway/message

Trey-ism of the week: "Respect is fairness."  Trey answers a question on his personal definition of success based on lessons learned from life and the Bible. He also provides insight into the influence of third parties in elections and how politicians should respond when they are out of step with the ideals of their constituents. Plus, Trey reveals what he believes are characteristics of good politicians. Follow Trey on Twitter: @TGowdySC Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is the 20th of September 2023. Welcome to Walking the Way. My name is Ray and I really want to say thank you to everyone for listening in as we continue to share in a regular rhythm of worship and devotion together. Credits Opening Prayer https://www.plough.com/en/subscriptions/daily-prayer Bible verse Deuteronomy 18:19 Thought for the day Ray Borrett Theopedia link to Gnosticism Know the truth by Bruce Milne (This is an affiliate link to help support the podcast) Bible Passage Deuteronomy 18 English Standard Version (ESV) The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers. Prayer Handbook Click here to download it Download the Script https://1drv.ms/b/s!AnHHJxf-hxXptqtnbyx6_uDnMi-NOA?e=xyF4jV Supporting Walking the Way If you want to support Walking the Way, please go to: https://ko-fi.com/walkingtheway or you can subscribe to the channel: https://podcasters.spotify.com/pod/show/walkingtheway/subscribe To contact Ray: Please leave a comment or a review. I want to find out what people think and how we make it better. www.rayborrett.co.uk ray.borrett@outlook.com @raybrrtt https://fb.me/walkingthewaypodcast --- Send in a voice message: https://podcasters.spotify.com/pod/show/walkingtheway/message

In 1989, a month before his fourth birthday, the artist and photographer Trent Davis Bailey (our host, Spencer Bailey's, identical twin brother) lost his mother in the crash-landing of United Airlines Flight 232 in Sioux City, Iowa. Now 38 and a husband and father, Bailey is at work on “Son Pictures,” an ongoing series of photographs piecing together fragments of his family's past, including details of his mother's life and the relationship he was never able to develop with her. Leading him to take deep-dives into newspaper and family photo archives, and from Colorado to Iowa to the Adirondacks, the project serves as a microcosm of Bailey's intensely personal and place-based body of work, which continually seeks to unearth the tangled roots of his identity. This summer, Bailey's first-ever solo museum exhibition, “Personal Geographies,” opened at the Denver Art Museum, and this fall he will release the corresponding project, “The North Fork,” in book form. Bailey is also currently at work on “Son Pictures,” an ongoing series of photographs piecing together fragments of his family's past, part of which was recently published as a New York Times op-ed titled “What a Motherless Son Knows About Fatherhood.” Leading him to take deep-dives into newspaper and family photo archives, and from Colorado to Iowa to the Adirondacks, “Son Pictures” On this episode—his and Spencer's first formal “twinterview,” recorded on their 38th birthday—Bailey talks about what it was like to grow up as an identical twin; his unusual and decidedly dysfunctional upbringing; photography as a device for commemoration; and his deep pictorial explorations of the climates, geographies, and landscapes of the American West.Special thanks to our Season 8 sponsor, Van Cleef & Arpels.Show notes: [00:28] Trent Davis Bailey[09:58] “The North Fork” [10:02] “Personal Geographies” at the Denver Art Museum[10:12] “What a Motherless Son Knows About Fatherhood” [10:18] “Son Pictures”[11:54] Paonia, Colorado[17:37] Elsewhere Studios[20:10] California College of the Arts[20:22] Museum of Contemporary Photography's Snider Prize[20:28] Robert Koch Gallery[22:34] The Sublime[22:38] Shaun O'Dell[23:52] The Hotchkiss Crawford Historical Museum/Society[26:42] Robert Frank[26:53] Stephen Shore[26:55] Joel Sternfeld[28:27] “A Kingdom From Dust”[28:32] The California Sunday Magazine[28:36] Stewart Resnick[28:49] “Who Keeps Buying California's Scarce Water? Saudi Arabia”[36:40] Rebecca Solnit[37:00] “How Rebecca Solnit Became the Voice of the Resistance”[37:30] Wanderlust: A History of Walking[39:11] River of Shadows: Eadweard Muybridge and the Technological Wild West[45:43] United Airlines Flight 232[45:46] Spencer Bailey Reflects on the Crash-Landing of United Airlines Flight 232[45:56] Sioux City, Iowa[46:02] Frances Lockwood Bailey[56:42] International Center of Photography[56:47] Anderson Ranch Arts Center[56:57] Alex Webb and Rebecca Norris Webb[59:55] Robert Frank “The Americans” Exhibition at the Met[01:01:40] “Alex Webb: The Suffering of Light”[01:02:53] Harry Gruyaert[01:03:02] Helen Levitt[01:03:04] Garry Winogrand's “The Animals”[01:08:10] Lake Placid, New York[01:14:24] Brooklyn Darkroom

In this shiur we discuss: 1) Opening the Sefer Torah and realizing that its for Maftir, 2)Deodorant on Yom Kippur, 3) Laws of Aseres Yimei Teshuva, 4) Taking Pills on Yom Kippur, 5) Cholim eating shiurim on Yom Kippur, 6) Walking during Shemoneh Esrei, 7) Eating Chadash, 8)Forgot to light candles on Yom Tov

Mexican aliens. Life with Maddie. Walking on the first date. Congressman Michael McCaul and College Station Mayor John Nichols.

A daily news briefing from Catholic News Agency, powered by artificial intelligence. Ask your smart speaker to play “Catholic News,” or listen every morning wherever you get podcasts. www.catholicnewsagency.com - The blood of the martyr Saint Januarius again liquefied in Naples on Tuesday. The declaration that the miracle had again taken place was made at the start of Mass by Abbot Vincenzo De Gregorio. The archbishop of Naples, Domenico Battaglia, held the relic of the blood, moving the glass ampoules to demonstrate the liquid state of the blood to the sounds of strong applause, while the deputy of the wisdom of the people waved a white cloth. Saint Januarius is a bishop, martyr, and patron saint of Naples, Italy. Traditionally, on September 19 and on two other occasions a year, his blood, which is kept in a glass ampoule in the shape of a rounded cruet, liquifies. It is believed the miracle has taken place since at least 1389, the first instance on record. The liquefaction process sometimes takes hours or even days, and sometimes it does not happen at all. In local lore, the failure of the blood to liquefy signals war, famine, disease, or other disaster. https://www.catholicnewsagency.com/news/255410/blood-of-st-januarius-completely-liquefied-on-feast-day The United States Catholic bishops are calling on the faithful to embrace “radical solidarity” with mothers who are facing difficult or challenging pregnancies this October, which the Church in the United States has observed as “Respect Life Month” since 1973. Arlington Bishop Michael Burbidge, the chairman of the United State Conference of Catholic Bishops Committee on Pro-Life Activities, echoed Saint John Paul II's call for “radical solidarity,” which means, according to the bishop, “putting our love for them into action and putting their needs before our own.” The “Walking with Moms in Need” parish-based initiatives, which help parishes become welcoming places for mothers facing difficulties, are a possible option to get involved. https://www.catholicnewsagency.com/news/255413/us-bishops-urge-radical-solidarity-with-mothers-for-respect-life-month Azerbaijan unleashed military strikes against an enclave of about 120,000 Armenian Christians in the disputed Nagorno-Karabakh region on Tuesday, shelling buildings and firing on Armenian military and civilian positions. Pope Francis made a public appeal on Wednesday for both sides to “silence the weapons.” “I make my heartfelt appeal to all the parties involved and to the international community to silence the weapons and make every effort to find peaceful solutions for the good of the people and respect for human dignity,” Pope Francis said at the end of his Wednesday general audience. https://www.catholicnewsagency.com/news/255415/azerbaijan-unleashes-military-strikes-against-armenian-christians-in-nagorno-karabakh https://www.catholicnewsagency.com/news/255421/pope-francis-appeals-for-peace-in-nagorno-karabakh-silence-the-weapons Today, the Church celebrates Saints Andrew Kim Taegon and Paul Chong Hasañg, who were leaders of the Catholic Church in Korea. Andrew Kim Taegon was born to Korean nobility, and his parents converted when he was 15-years old. He traveled over 1000 miles to study in a seminary and became the first native Korean priest. He was tortured and beheaded in 1846. Paul Choñg Hasang was a Korean Catholic lay leader who defended the faith before the government of Korea, and reunited the Christians in the midst of the persecutions, encouraging them to stay strong in the faith. In response to his direct appeals, the Pope, Gregory the tenth, confirmed the validity of the Korean Church and sent more priests to Korea. He was martyred in 1839. https://www.catholicnewsagency.com/saint/sts-andrew-kim-taegon-paul-chong-ha-600

God values the condition of your heart. Keep your heart with all vigilance, for from it flow the springs of life, says Proverbs 4:23. Have you surrendered both your spiritual and physical heart to your Creator?Focus verses:  Proverbs 4:23, 1 Sam 16:7, Matthew 5:8, Jeremiah 24:7, Ezekiel 36:25-27, Galatians 4:4-6; 2 Corinthians 3:3, Matthew 22:36-38, 1 Samuel 13:14, Matthew 5:8, Jeremiah 24:7, Jeremiah 31:33, Ezekiel 36:25-27, Ephesians 4:22-24 Support the show

#222  Today is Wednesday, time for a little wellness boost – a shortened episode to help keep your Warrior Vibe high.This show is a Walking the Talk Vancast, a portable episode that's informal and casual, recorded on the go from wherever Kathy finds herself on the day of recording.In this episode, Kathy's sharing how she utilized The Athena Principles and related practices we reviewed in this mini-series on Reimagining Midlife Wellness to create a wellness plan for the remainder of 2023.Kathy then invites you to create your own wellness plan using a free download.  If you're looking to enhance your well-being as you welcome a new chapter of your life, this is the episode for you!Links:The Athena Principles Overview and Action Plan:  https://athenawellness.com/actionplanIf you'd like to join our circle and never miss a weekly episode, please hit subscribe.  While you're there, you can rate the podcast by highlighting the stars that match your experience.  Much appreciated!For episode materials, show notes or to submit a question for a future episode, visit: https://athenawellness.com/podcast

Are you living by faith or tradition? Dr. Jared Ludlow explores themes of faith and works, the power of commandments, and the grace of Jesus Christ.Show Notes (English, French, Spanish, Portuguese): https://followhim.co/new-testament-episodes-31-40/YouTube: https://youtu.be/KgPvdh6VUzwFacebook: https://www.facebook.com/followhimpodcastInstagram: https://www.instagram.com/followhimpodcastSpotify: https://open.spotify.com/show/15G9TTz8yLp0dQyEcBQ8BYPlease rate and review the podcast!00:00 Part 1–Dr. Jared Ludlow02:10 Introduction of Dr. Jared Ludlow06:07 Background to Galatians09:08 Paul's salutation10:33 Jewish backgrounds vs Gentile backgrounds14:43 Adding to the gospel18:39 Bondage vs freedom22:18 Liberty vs license25:36 Law of Moses vs the higher law31:08 Demonstrations of faith33:03 Becoming a new creature36:46 The gospel is for all nations40:53 The Jews misapplying Deuteronomy to Jesus43:25 Commandments lead to Christ48:39 Walking in the Spirit 49:25 End of Part 1–Dr. Jared LudlowThanks to the followHIM team:Shannon Sorensen: Cofounder, Executive Producer, SponsorDavid & Verla Sorensen: SponsorsDr. Hank Smith: Co-hostJohn Bytheway: Co-hostDavid Perry: ProducerKyle Nelson: Marketing, SponsorLisa Spice: Client Relations, Editor, Show NotesJamie Neilson: Social Media, Graphic DesignAnnabelle Sorensen: Creative Project ManagerWill Stoughton: Video EditorKrystal Roberts: Translation Team, English & French Transcripts, WebsiteAriel Cuadra: Spanish Transcripts"Let Zion in Her Beauty Rise" by Marshall McDonaldhttps://www.marshallmcdonaldmusic.com

Your correspondent contemplates cash-game poker's identity crisis as more and more games go private. What do the increasing number of private games tell us about what players want poker to be? And how have pros and other serious players contributed to the downfall of public games?0:48 Is poker fundamentally a competitive activity or a friendly gambling pastime?5:05 How pros are dependent upon recreational players7:14 How the pandemic changed many players' attitudes11:07 Private games in casinos14:47 Other reasons players' attitudes towards pros have changed over time17:11 How pros have driven recreational players away22:32 What good is it to be "the best" at poker?FORUM DISCUSSION: CLICK HEREhttp://twitter.com/thirdwalkinghttp://crushlivepoker.com

“Make walking great again.” That's the slogan that Stronger U Coach Dean Guedo lives by. In this Stronger U Radio episode, he joined SU Registered Dietitian and Manager of Nutrition Education, Gianna Masi to chat about his unique approach to coaching members towards success. Dean is a nutrition coach driven to find a better and more efficient way to help people optimize their lives. His mantra is “doing more, eating more and moving more.” Hear about how he came to be known as the “walk more king”, and the science that supports why increasing steps can be so impactful. During their conversation, they discussed a study of a population whose high steps and general daily movement counteracted their higher-than-recommended daily calorie consumption in terms of weight. Additionally, Dean heavily touched on alternative strategies beyond decreasing calories or eliminating certain foods. He drives home the message that while food is an integral piece, it's not the only avenue to weight or fat loss, and how other lifestyle factors can play a major role. The biggest takeaway: adherence and the importance of making changes that you'll enjoy and stick to whether they involve caloric intake changes, movement or other components. Tune into this entertaining, informational, and motivational episode that may leave you with a new perspective on how you approach your goals. Head to the Stronger U Community to share your thoughts.     Subscribe to Stronger U Radio        Follow us on Instagram       

A new MP3 sermon from Forest Hill Presbyterian Church is now available on SermonAudio with the following details: Title: Ezra 7 Devotional Subtitle: Walking with Jesus in the Word Speaker: Rev. Jason Van Bemmel Broadcaster: Forest Hill Presbyterian Church Event: Devotional Date: 9/20/2023 Bible: Ezra 7 Length: 17 min.

In this solo episode I answer questions from listeners including what my current wellness routines are, wellness things I do that I don't share about, how I deal with fear, who and what inspires me, the transition in my life between getting sober and meeting Chuck, binge eating, body image and how to stop comparing ourselves to other people. This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.At Westin hotels, there's amenities and offerings aimed to help you move well, eat well, and sleep well, so you can keep your well-being close, while away. Find wellness on your next stay at Westin.Go to SundaysForDogs.com/blonde or use the code BLONDE at checkout for 35% off your first order of Sundays.AG1 is giving you a FREE 1 year supply of Vitamin D and 5 FREE travel packs with your purchase. Head to drinkAG1.com/blondefiles to redeem. Get your free personalized plan with Ideal Image at IDEALIMAGE.COM/blonde and receive $100 off any laser hair removal treatment until November 18th.For a limited time, listeners get 20% off their first order by going to vegamour.com/blonde use code blonde at checkout. For 15% off Ned products, head to helloned.com/blonde or enter the code BLONDE at checkout.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Co-founder of Crafti Comics, Dan Moyer, joins Lance to discuss what they've both been reading. So many incredible series mentioned in this issue that you will DEFINITELY want to check out! Be sure to visit the Crafti Comics website and explore their incredible products that can help level up the way you display your collection! Visit www.crafticomics.com Instagram: @crafticomics What We're Reading: Chicken Devils Head Lopper Time Before Time  Silver Surfer Omnibus (Slott and Allred) Blue Book Mighty Morphin Power Rangers 30th Anniversary Special  Our Patreon is officially LIVE!!! You can support us at https://www.patreon.com/ComicBookKeepers We have new merchandise in the store with our Cosplay Logo! Get yours here! https://comicbookkeepers.threadless.com/designs/comic-book-keepers-cosplay-logo/heroes/t-shirt/regular?variation=front&color=royal_blue Comic Book Keepers is hosted by the Geekly Grind. Check out reviews and discussion on everything Geeky from Anime, Manga, Boardgames, comics, and more. www.thegeeklygrind.com The Geekly Grind @thegeeklygrind Link tree: https://linktr.ee/CBKcast Social media: Twitter @cbkcast Instagram @cbkcast Facebook Chris @dungeonheads Lance @roguesymbiote Chris's draws free D&D art which you can find and support him on Patreon, and see more of his art on Instagram Original Theme by Weston Gardner @ArcaneAnthems on Patreon

Show highlights: 0:00 Introduction  03:00 "A lot of lasts as a dad" 05:30 Dark night of the soul 14:30 We're all broken - emotionally bankrupt 17:45 Working out of addiction and emotional bankruptcy 24:00 His son working through his own trauma Guest: Sam Davis TikTok https://www.tiktok.com/@the.interventionist.sd Hosts: Jody Sedrick  @JodySedrick   Instagram and TikTok: @jodysedrick  ============= Order my book "Learn To Dance With The Currents of Life - When You Fell like Drowning" - Paperback and Kindle ⁠⁠⁠⁠https://www.amazon.com/dp/B09MC6HNL9/ref=cm_sw_r_tw_dp_866DKBJTKR73JH3MS48W

As we study and learn from Jesus' Sermon on the Mount, we are reminded of our calling to be salt and light. Let's discover what that means together as we study Matthew 5:13-16; Mark 9:49-50, 4:21; and Luke 14:34-35, 8:16. **** Welcome to Walking in the Word, the biblical teaching arm of the Women World leaders Podcast. I'm your host, Julie Jenkins. Thank you for joining us as we walk through the Gospels of Matthew, Mark, Luke and John chronologically. Our goal for these few minutes together is that we would take our eyes off ourselves in the busyness of our own lives, agendas to-do lists and responsibilities. I pray that as you take time out today to listen to God, He will speak to your heart and guide you as only he can. If you need prayer support in this busy season, please reach out to us at womenworldleaders.com and post a prayer request on our prayer wall. We're here to hold you up. Before we begin our study, let's pause for prayer. Most Holy God, thank you, thank you for being our all in all our Abba Father, our provider, sustainer healer, and our salvation. God, we come to you today from so many walks of life. And yet you intimately know where we each are in what we each need. God, we rest in your presence. And thank you in advance for the care, teaching, and guidance that you will provide for us. We give you these next few minutes, and we ask that you have your way with us and guide us into your truth. In Jesus name, I pray. Amen. Sit back and soak in God's Word while I read Matthew five verses 13 and 16. From the New Living Translation. You are the salt of the earth. But what good is salt if it's lost its flavor? Can you make it salty again? It will be thrown out and trampled underfoot as worthless. You are the light of the world like a city on a hilltop that cannot be hidden. No one lights a lamp and then puts it under a basket. Instead, a lamp is placed on a stand where it gives light to everyone in the house. In the same way, let your good deeds shine out for all to see, so that everyone will praise your heavenly Father. We know from Matthew 5:2 that in this passage Jesus was teaching the disciples. He had told them about the kingdom of heaven and the attributes and rewards God offers to his children as they walk in obedience to Him. Now Jesus gives the disciples two descriptions of who they are. And he tells us by extension who we are. And we know that what God says about us is true. Sometimes we think less of ourselves than God does. And it is in those moments that we have to listen especially hard to what God says. Because he knows us better than we know ourselves. And what he says is true. So, in today's reading, God calls you the salt of the earth, and the light of the world. Let's take this apart. First you are the salt of the earth. What do you suppose is the meaning behind this? While you're likely familiar with salt as a preservative, this would have been top of mind in a society void of refrigeration. Salt keeps food fresh and edible for a longer period of time than it would be without it. Salt accomplishes this feat by inhibiting the growth of bacteria, which in other words means salt allows food to remain as God made it to be, and to be used as God created it to be used. When God says that we are the salt of the earth, He is saying that we have a job to do:  to preserve the world as God intended it. When God created the world, everything was perfect, peaceful, joyful, and meaningful. But sin entered into the world and sin was like a bacteria that began to grow and was infectious. God empowers us, his children, to stand against sin, and to inhibit sins growth, by our actions and reactions. By allowing God's power to operate in us, we are salt preserving life, the way God intended it to be. You are the salt of the earth. You have a responsibility to live life on behalf of God. Salt in the Bible was also a symbol of covenant. This also has to do with its attribute as a preservative. A covenant was not to be broken; God will never break his covenant with His children. Once we give our lives to Him, we are sealed with the gift of the Holy Spirit and we belong to God forever. If you have given your life to Christ, you are the salt of the earth, carrying his covenant promises. Nothing and nobody can change that. Salt in biblical times was a symbol of friendship and loyalty. Salt is salt, no matter what you do to it. You put it in your food and your food tastes salty. You put it in water and allow the water to evaporate, the salt remains behind. Our God is loyal. And as Christians we are called to carry on that loyalty. You are the salt of the earth. Though the world will test you, you have the power within to remain loyal to the one who saved you. Salt is a necessary source of nourishment. It's an important element in a person's diet. And as such, salt is highly valuable. In the Old Testament when God required sacrifices, he required that the offering be seasoned with salt. It was necessary, and it was valuable. You are the salt of the earth. You are necessary and you are valuable. And let's face it, salt makes food worth eating. Who doesn't love a little salty sweet action and their taste buds. In my opinion, nothing beats chocolate chip cookies with a sprinkle of sea salt on top. Salt brings out the true flavor of the food and makes eating a joy and a pleasure. You are the salt of the earth You were created to bring joy and pleasure to God himself. But Matthew records that Jesus continues, What good is salt if it has lost its flavor? Can you make it salty again, it will be thrown out and trampled underfoot as worthless. Salt can lose its flavor. Bakers at the time used salt blocks to line their ovens. After a time, the high and prolonged heat of the oven caused the salt to crystallize and become useless. It had to be thrown out. Luke says in 14:35, flavorless salt is good neither for the soil, nor for the manure pile, it is thrown away. The heat of the world is intense, more intense at times than that of a baker's oven. But as Jesus disciples, you and I are called to stay under God's protection and to keep our saltiness intact so that we can stand against the spread of sin. Live the life that God intended for us to live out our lives in covenant with him. claim our high value in a world filled with imposters and bring joy and pleasure to God. Don't let the heat of the world claim the saltiness that God has gifted you. Mark 9:49 through 50 gives this guidance for every one will be tested with fire. Can I get an amen on that one? Salt is good for seasoning, but if it loses its flavor, how do you make it salty again, you must have the qualities of salt among yourselves and live in peace with each other.   The next thing that Jesus tells His disciples is not only are they the salt of the earth, but in Matthew 5:14. You are the light of the world, like a city on a hilltop that cannot be hidden. Have you ever flown into a city at night seeing the pinpoints of light from high above is one of my favorite sights. At night, the Earth is blanketed in darkness. But the lights of a city are unmistakable. There weren't airplanes in Jesus' day and the world didn't move quite as fast as it does today. A traveler who saw the lights of the city in the distance, would see safety and protection at the end of a long journey. Or, at the very least, lodging and food. In other words, rest and sustenance. Jesus is indeed our lighthouse in a dark harbor. Our protection and safety, our rest and sustenance. And we, as his followers, reflect God's light into this dark world. And we too, are a light for others who are searching in the dark. Jesus says You are the light of the world and he continues, No one lights a lamp and then puts it under a basket. Instead, a lamp is placed on a stand where it gives light to everyone in the house. In the same way, let your good deeds shine out for all to see, so that everyone will praise your heavenly Father. The light we shine is to lead others to God to show them the way to get to the kingdom of heaven. God wants us to welcome everyone we know to his city. We can shine the light of God by sharing the gospel message with others and by encouraging others to walk in their God-given purposes. That is our goal at Women World Leaders to shine our lights that you might shine yours. One of my main jobs at Women World Leaders is editing. I edit the Voice of Truth magazine and I edit the books put out by World Publishing and Productions. We are currently working on several books that are compilations of stories of victories and spiritual growth that individuals have walked through in their lives, and how they have allowed Jesus, even through their turmoil, to keep their lamps lit, so that they might hold them high to shine for His glory. These authors are truly the light of the world showcasing that even when we walk through the unthinkable — abuse, abandonment, shame, temptation—we can shine our light brightly. If you feel your light dimming, know that God is guiding you; you only to follow his light. And he will purposefully use everything that you are going through to strengthen you and give you the honor of bringing others to him. Mark says in 4:22 For everything that is hidden will eventually be brought into the open and every secret will be brought to light. The Bible tells us that anything the devil meant for evil in your world, God can use for good. When we allow God to shine his light on us. He gives us the honor and privilege of shining that light to beckon others into the kingdom. Luke concludes his account of this teaching in Luke 818. So pay attention to how you hear. to those who listen to my teaching, more understanding will be given. But for those who are not listening, even what they think they understand, will be taken away from them. You were created to be salt and light. There is no doubt about that. But what you do with your salt and light is up to you. Jesus warns us to pay attention and not take his teaching lightly. The more we obediently walk in the wisdom that God guides us with, the more wisdom he will provide. Don't hold the Holy Spirit back in your life. Unleash His presence by your obedience and your light will shine brighter than you can possibly imagine. Let's pray. Father, we thank you for making us who we are and for giving us the experiences you have given us. God, I thank you for the privilege of being salt in this sinful world and light in this dark world. God, I ask that you empower us by your presence and strength to shine so brightly on your behalf, that the whole world will see your glory. In Jesus name, I pray, Amen.

Today is the 19th of September 2023. Welcome to Walking the Way. My name is Ray and I really want to say thank you to everyone for listening in as we continue to share in a regular rhythm of worship and devotion together.   Credits Opening Prayer https://www.plough.com/en/subscriptions/daily-prayer Bible verse Deuteronomy 17:19 Thought for the day Ray Borrett Bible Passage Deuteronomy 17 English Standard Version (ESV) The Holy Bible, English Standard Version. ESV® Text Edition: 2016. Copyright © 2001 by Crossway Bibles, a publishing ministry of Good News Publishers. Prayer Handbook Click here to download it Download the Script https://1drv.ms/b/s!AnHHJxf-hxXptqhVnT4oaCLNZoJpzQ?e=w5Ymcs Supporting Walking the Way If you want to support Walking the Way, please go to: https://ko-fi.com/walkingtheway or you can subscribe to the channel: https://podcasters.spotify.com/pod/show/walkingtheway/subscribe To contact Ray: Please leave a comment or a review. I want to find out what people think and how we make it better. www.rayborrett.co.uk ray.borrett@outlook.com @raybrrtt https://fb.me/walkingthewaypodcast --- Send in a voice message: https://podcasters.spotify.com/pod/show/walkingtheway/message

Segment 1: Embracing Surrender - Shayla discusses the importance of surrender in discovering and confidently walking in one's calling. - She defines surrender as giving oneself up to the power of another and submitting to God's will. - Shayla shares her foundational scripture for the podcast, 2 Timothy 1:12 (Passion Translation), emphasizing the confidence that comes from surrendering to God. Segment 2: Three Steps to Surrender 1. Lay Down Your Will:    - Shayla emphasizes the need to put aside personal desires, plans, and goals to align with God's will.    - She acknowledges that surrendering one's will can be challenging, but it's essential for spiritual growth. 2. Let Go of Failed Expectations:    - Shayla encourages listeners to release past disappointments and unmet expectations to fully embrace God's plan.    - She highlights that harboring failed expectations can hinder spiritual progress and lead to bitterness. 3. Launch Out into the Deep:    - Shayla underscores the importance of taking action and stepping into the unknown with faith.    - She explains that God often calls believers to do uncomfortable, unfamiliar, and challenging things to test their faith and obedience.     Conclusion: - Shayla concludes the episode by reiterating the significance of surrendering to God in confidently walking in one's calling. - She offers a heartfelt prayer for the listeners, asking for God's guidance and empowerment in their journey of surrender. - Shayla encourages listeners to leave a written review, share the podcast with others, and connect with her on social media.   XOXO, Shayla   Next Steps: Watch the FREE Workshop: https://www.shaylahilton.com/freeworkshop Join the Called + Confident Accelerator: https://shayla-hilton-school.teachable.com/p/calledandconfidentaccelerator Visit the Website: https://www.shaylahilton.com/ Email Us: hello@shaylahilton.com  

We have witnessed the Spirit of God moving in powerful ways in the areas of miraculous understanding, healing, and deliverance. In this power that follows us is a massive atmosphere of God's love. A large part of our ministry is dedicated to equipping and releasing the body of Christ into its destiny. Our website is here to keep you up-to-date on what we're doing and what God is showing us. We hope you'll stop by often to stay in touch and be encouraged. For more information please visit: https://livingvineministries.org To Subscribe to the Current God Stories videos: https://livingvineministries.org/members-only Connect with LivingVine Ministries on Facebook: https://www.facebook.com/livingvineministries

Walking in the Love of God - Part 5

Keris goes solo to share a story surrounding a rose and her recovery for National Recovery Month. Walking around Pasadena Keris came upon a rose and a voice told her to stop and smell the roses, why was this rose special and is a rose just a rose? Also, what's your rose? The National Suicide Prevention Lifeline is now: 988 Suicide and Crisis Lifeline

Eric on Instagram: @conspiracy.of.cartographers   Isolated bass track to Duran Duran's Rio: https://youtu.be/Hr3HCNIgv40?si=9-t0txIOfw_txoZT   Crispin Glover - “These Boots Are Made for Walking”: https://open.spotify.com/track/6zHKNeJzzvKt21P0h7BUlg?si=647cb7461d3948a1   The whole playlist of songs from All Through A Lens: https://open.spotify.com/playlist/3Ooe3jQ9YXzODKFWKvmSoN?si=92e1a86285e6423d   The Jazz Loft https://www.imdb.com/title/tt3106314/?ref_=fn_al_tt_1   The Dead Milkmen (Big Questions) on YouTube: https://www.youtube.com/@TheDeadMilkmenOfficial/featured   Rosencrantz & Guildenstern Are Dead (Tim Roth & Gary Oldman): https://www.imdb.com/title/tt0100519/?ref_=ext_shr_lnk     Theme song “Timeless” from Mike Gutterman at mikegutterman.bandcamp.com   Get in touch with Sunny 16 at sunny16presents@gmail.com   The show on IG: @musicandphotographypodcast The show on Twitter: @musicnphotopod    

Three sets of use cases for Generative AI. Clinical Efficiency, Revenue Cycle, and Operational. This is moving faster than anyone imagined.

Hello to you listening in Accra, Capital of Ghana, Africa!Coming to you from Whidbey Island, Washington this is Stories From Women Who Walk with 60 Seconds for Time Out Tuesday and your host, Diane Wyzga.Now that I am revisiting the anniversary of my Camino de Santiago pilgrimage as I do every year at this time I'm reminded of the most difficult lesson. Letting go. Letting go of the way I was. Letting go of my old self. Giving myself over to the walking.It wasn't easy! Get up in the dark, pack in the dark, head out in the dark. Walk 15 or 20 miles a day, no matter how cold or hot or wet. No matter how rocky or lonesome or tired. Nothing prepares you for walking Camino but to walk Camino. How do you do it? Here's a tip: surrender. Give yourself over. You are here now. Make the most of this experience. When you want to stomp around and make furious gestures, make the most of that. Make the most of your joys and complaints. Give voice to them all.And then give yourself back to the only job you have: to walk. Every day since then my Camino lesson shows up like this: “Just walk it off, Diane!”Question: What single-minded purpose of yours guides you along your way? You're always invited: “Come for the stories - stay for the magic!” Speaking of magic, would you subscribe, share a 5-star rating + nice review on your social media or podcast channel of choice, and join us next time!Meanwhile, stop by my Quarter Moon Story Arts website to:✓ Check out What I Offer,✓ Arrange your free Story Start-up Session,✓ Opt In to my monthly NewsAudioLetter for bonus gift, valuable tips & techniques to enhance your story work, and✓ Stay current with Diane on LinkedIn.Stories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicAll content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.

Investigative reporter Zeke Faux, author of “Number Go Up: Inside Crypto's Wild Rise and Staggering Fall,” discusses his adventures covering the cryptocurrency market, from connecting with Sam Bankman-Fried before the collapse of FTX to attending "ApeFest," convincing his wife to let him spend $20,000 on an NFT as part of his book research and more. He also notes that despite its trading popularity, having crypto used as currency remains a struggle, even in the countries that have tried to adopt its usage. Forensic accountant Tracy Coenen talks about digging into the more obscure and esoteric documents -- insurance policies, car titles, estate-planning paperwork and more -- and making a timeline to help uncover forgotten or missing accounts (something Chuck experienced personally in his own case) in the latest installment of "Find Me The Money," and Mike Venuto, chief investment officer at Tidal Financial Group talks ETFs in the Markt Call.

Dr. Steve McVey, President of Grace Walk, joins the show to have a conversation with us about some critical things that we need to start and stop doing in order to walk in grace. Whether it is viewing God through a distorted lens or having a mindset of earned grace, we all have barriers that prevent us from freedom. Steve encourages us to stop performing for God and start resting in him. Learn more about Steve: https://stevemcvey.com/ Partner with Be Still: https://www.bestillministries.net/give Get 20% discount on Father's House Study with code: FH-20 Get the Father's House Study: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.fathershousestudy.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get the Free Spiritual Warfare Course: https://bestillministries.teachable.com/p/spiritual-warfare-workshop Follow Be Still Ministries on Instagram: @bestillministries

In this fascinating interview, Yale University Professor Miroslav Volf talks about what makes life worth living, walking the communist death march, Viktor Frankl, Jürgen Moltmann, and the crippling effect of struggling for superiority.   Show Notes On The Rise Newsletter Follow @careynieuwhof Follow @theartofleadershipnetwork   Brought to you by The Art of Leadership Network

In this episode, we dive into the world of agriculture in 2023 with Connie Bowen, exploring the challenges and opportunities in farming. From labor issues and innovative solutions to equity in agriculture and the complexities of the food supply chain, Connie shares valuable insights into the evolving landscape of farming in the United States. Newsletter sign up (new and exciting developments) https://learningwithlowell.us12.list-manage.com/subscribe?u=08ed8a56013d8b3a3c01e27fc&id=6ecaa9189b Join this channel to get access to perks: https://www.youtube.com/channel/UCzri06unR-lMXbl6sqWP_-Q/join https://youtu.be/xVFUvNxJZQ0 Over 321 books from 170 plus interviews over 5 years https://www.learningwithlowell.com/over-321-books-from-170-interviews-over-5-years-for-autodidacts/ PODCAST INFO: The Learning With Lowell show is a series for the everyday mammal. In this show we'll learn about leadership, science, and people building their change into the world. The goal is to dig deeply into people who most of us wouldn't normally ever get to hear. The Host of the show – Lowell Thompson- is a lifelong autodidact, serial problem solver, and founder of startups. LINKS Spotify: https://open.spotify.com/show/66eFLHQclKe5p3bMXsCTRH RSS: https://www.learningwithlowell.com/feed/podcast/ Youtube: https://www.youtube.com/channel/UCzri06unR-lMXbl6sqWP_-Q Youtube clips: https://www.youtube.com/channel/UC-B5x371AzTGgK-_q3U_KfA Website: https://www.learningwithlowell.com/ Connie bowen links https://www.linkedin.com/in/constancebowen https://www.forbes.com/sites/conniebowen/ https://www.conniebowen.com/ https://twitter.com/ConnieBowen_ https://t.co/7SiWisf3W8 timestamps 00:00 Introducing Connie 01:08 State of agriculture in the USA 04:00 Things causing importation  07:45 Innovating in Agriculture / Massive opportunity / Labor issues 11:19 Meeting nutritional needs in USA / potential issues /Farm Bill 15:43 Farm inefficiencies, crazy things on farms, labor issues 19:30 Human trafficking in agriculture / specialty crops / equity or profit sharing / H2A workers 26:00 Solutions for agriculture problems / company culture 33:38 Supply and demand opportunities / ranchers/ school food 41:10 Labor / data marketplace 43:33 Unions in agriculture 48:15 Mythical man month in agriculture / local maximum  51:00 Walking on farms, bourbon diplomacy  52:55 Complexity of problems and opportunities in agriculture 56:27 Uber for farm equipment / tractor equipment  59:15 Renting equipment  01:02:20 Opportunities and optimism to integrate into agriculture/ advice   01:07:30 Cultivating curiosity / cold outreach  01:09:40 Crafting cold outreach   01:12:32 Playing Rugby  01:16:41 Mentoring and helping women and POC / leading

Now that we know what vulnerability is the value of being a leader and a strength, we are going to dive deeper into the topic and bring in being honest and what that creates. We can't be truly vulnerable without being honest about where we are right here and right now. I am also really excited to bring a fabulous guest on the podcast who is a fellow coach and works with people in the area of change also. Her name is Lauren Cobb and brings in her wisdom on this topic. I can't wait for you to meet her.Lauren graduated with a Bachelor of Science in Engineering from Harvey Mudd College and, while she worked as a civil engineer briefly, she soon went on to explore a myriad of other jobs. Eventually, she found her passion in working with people and teams to find the throughline from a starting place of discomfort, dysfunction, and conflict to a new place of connection, coherence and purpose. She has done this work in a variety of contexts including: conflict management, organizational development, business advising, and now as a coach.As a coach, Lauren is passionate about accompanying people through change that is occurring either by their own design or by circumstances. She knows the feeling of being stuck, limited, and overwhelmed. At the same time she sees change as the opportunity to choose something immensely more satisfying. Walking through that transformation with her clients is what makes her days energizing. Highlights from this episode:(01:28) Like a kid in a candy store(05:27) What got me where I am?(10:05) Why do we resist vulnerability?(17:31) Experiencing vulnerability(22:40) Working through change(27:27) Endless chance to be vulnerable with yourself Connect with Lauren here:www.LaurenCobbCoaching.comlauren@laurencobbcoaching.comThe NEXT Take the Lead In Your Life Workshops will be back and begin in the NEW Year! We are so excited as the LIFT(her) Group Coaching Program for Women is getting an Upgrade!! NEW cohorts will be starting in the NEW YEAR so watch this space for more information to come. You can always set up a clarity call with Coach Kelly to find out more. Email Coach Kelly today.Connect with Coach Kelly and for more resources please visit: www.kellyjmobeck.com Let's Get Social, follow Coach Kelly:@KellyMobeck on LinkedIn@KellyMobeck on InstagramIf you enjoyed this episode please share it with a friend, and it would mean so much if you could take a quick moment to write a REVIEW on Apple Podcasts.This Podcast Proudly Produced by the Podcast Boutique: www.thepodcastboutique.com

Ways to Practice Walking in the Wisdom of God - Walking in the wisdom of God is not automatic. Wisdom does not just fall on you. The Bible says to "get wisdom." It's an invitation for all of us.Support the show

Scout is hungover and Mady gives her formal statement to the viral sensation, haters, and journalists who are asking her to comment on her silent walking scandal! Follow us along! Scout: @scoutsobel Mady: @madymaio Okay Sis: @okaysispodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

The Fed can raise interest rates, but they cannot create housing supply.  Housing intelligence analyst Rick Sharga joins us for the second week in a row. This housing market is awful for primary residence homebuyers. But at GRE Marketplace, you can still buy income properties with rates as low as 4.75%. Rick tells us that the most prosperous markets now favor the: Midwest and Southeast, single-family homes, rental property investors with buy-and-hold strategies. National home prices are appreciating modestly. Home sales volume is still down. Investors now account for more than one-quarter of property purchases. Mortgage delinquencies are near an all-time low. Rick and I discuss why this market is so bad for flippers.  High homeowner equity positions ($300K+) support this housing market.  Timestamps: The impact of rising mortgage rates [00:02:37] Discussion on how the Federal Reserve's raising of short-term rates has caused mortgage rates to go up, affecting the housing market. The affordability challenge [00:03:38] Exploration of the impact of higher mortgage rates on homebuyers, particularly first-time buyers, and the decrease in affordability. Low supply of homes [00:08:48] Analysis of the low inventory of homes for sale, with a decrease of 9% from the previous year and 47% from 2019, leading to a challenging market. The mortgage rate lock in effect [00:11:05] Discussion on how the mortgage rate lock in effect can crimp demand but cannot create supply. Hottest markets in the Midwest and Southeast [00:11:05] Analysis of the hottest real estate markets in the Midwest and Southeast regions of the United States. Positive turn in home price appreciation [00:13:06] Explanation of how home price appreciation went down but has recently turned positive again. Housing Permits, Starts, and Construction [00:21:24] Discussion on the trends and levels of housing permits, starts, and construction, and the need for builders to increase production. Investor Activity in the Residential Market [00:22:28] Exploration of the percentage of home purchases made by investors, with a focus on small and medium-sized investors and the misconception of institutional investors dominating the market. Delinquencies and Foreclosures [00:24:36] Analysis of mortgage delinquency rates, foreclosure activity, and homeowner equity, highlighting the low delinquency rates, the presence of equity in foreclosed homes, and the importance of early-stage foreclosure sales. The future direction of rents [00:32:00] Discussion on the potential upward pressure on rents due to low affordability and high homeownership rate. Inventory coming to the market [00:33:03] Exploration of the impact of expensive inventory coming to the market and its effect on rent prices. The overall economy and housing market [00:34:03] Consideration of the possibility of a recession, unemployment spike, and foreclosures affecting the housing market. The coach's role in finding real estate deals [00:43:06] Explanation of how an investment coach can help you find the best real estate deals in the marketplace. Advantages of buying properties from marketplace [00:44:20] Reasons why buying properties from marketplace can lead to good deals, including lower prices and absence of emotional seller involvement. Resources mentioned: Show Notes: www.GetRichEducation.com/467 Rick Sharga's website: CJPatrick.com Rick Sharga on X (Twitter): @RickSharga 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”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach 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 Keith's personal Instagram: @keithweinhold   (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Hold a terrific discussion today on the direction of the housing market, including lessons that you can learn for all time plummeting home sales volume and direly low home inventory. Why home price appreciation is taking place now. Could the government soon penalize you for owning too many rental properties? What's the best place for a real estate investor to position themselves in this era? And more today on Get Rich Education.   (00:00:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   (00:00:56) - Walking from Horseheads, New York to Nags Head, North Carolina, and across 188 nations worldwide. I'm Keith Weinhold. And you're listening. To get rich education, you are going to get a fantastic market update today. And along the way, you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest was with us last week to discuss the economy. This week, it's episode two of two as we discuss the real estate market.   (00:01:25) - He has been the executive VP of markets at some of America's leading housing intelligence firms, and today he's the founder and CEO of Patrick Company, either a market intelligence firm for the real estate and mortgage markets. And he has 20 plus years of experience in those industries. It's the return of Rick Saga Part two of two. It's not imperative that you listen to last week's Part one of two that we can help you see the big picture. Enjoy this long, unbroken interview and then after the break, I'll come back to close it. Just you and I. We're talking with Rick Sagar, expert housing analyst, previously. We talked about the general condition of the economy. And now Rick and I are going to break down the housing market with what's happening there. There's so definitively connected. Keith One of the things to that the Federal Reserve has done by raising those short term rates is caused mortgage rates to go up, right? Mortgage rates tend to run loosely in line with the yields on the ten year US Treasury bonds that we talked about at the end of the first segment.   (00:02:37) - Those are now up around 4%. And typically a 30 year fixed rate mortgage will be between one and a half and two percentage points higher than that yield. So in a normal market, we'd be looking at a mortgage rate today of about five and a half to 6%. Instead because of the risk and the volatility that the market is pricing in because they're not sure what the Federal Reserve is going to do next. We're looking at mortgage rates for a 30 year fixed rate loan of over 7%. The most recent numbers from last week from Freddie Mac, we were at almost 7.2% on that average, 30 year fixed rate loan and 6.5% on a 15 year fixed rate loan. You and I were talking before the show and and you know, historically speaking, if we keep these things in context, we're still actually below the 25 year average, which was 8%. But we have a whole generation of homebuyers who've come of age during the period of the lowest mortgage rates in the history of the country. They got spoiled, they got spoiled.   (00:03:38) - And to be clear, it's one of the reasons that home prices rose as rapidly as they did and got as high as they are is because you could afford to make monthly payments with a two and a half, three, 3.5% mortgage. Now, you still have home prices about as high as they were then, and you have a mortgage rate that's doubled. And for most home buyers, particularly first time home buyers that make your monthly mortgage payment was going to go up by 45 to 60%. And most of us didn't get that 45 to 60% raise last year. It really had a huge impact on affordability. In fact, this is such an unusual occurrence that according to Freddie Mac, it's the only time in US history when mortgage rates doubled during a calendar year and they didn't just double in a calendar year. Keith They doubled in the space in a few months. It was that kind of systemic shock to the system that really hit the housing market as hard as it did. Right. And they've also nearly tripled in a pretty short period of time.   (00:04:35) - Yeah, they really have. And again, going back historically speaking and and get this from Gen Z folks and millennials, when I talk about, you know, the old days of mortgage and I do remember my first mortgage had two numbers to the left of the decimal point. I forget if it was 11 or 12%, but it was something like that. And they basically say, okay, Boomer, but that 11% mortgage was on your $70,000 house, Right. And not, you know, today's median priced home of $430,000 or whatever it is. So it's a fair point. Mortgage rates are not high, historically speaking, but that monthly cost, because of the combination of home prices and higher interest rates, is choking some people and making affordability a problem. And because of that, one of the forward looking metrics that I take a look at is the purchase loan mortgage application index from the Mortgage Bankers Association. So this is the number of people that are applying for loans with the purpose of buying a house.   (00:05:35) - They're off almost 30% on a year over year basis right now. You can see without straining your eyes at all the impact that these higher mortgage rates are having on the housing market. And we had almost record numbers of purchase loan applications from the time people who are allowed out of their house during the pandemic until these mortgage rates doubled from 2020 through the early part of 2022, mortgage rates were in the threes and fours and sometimes even in the twos. Yeah, everyone wants to talk about mortgage rates and it is an important discussion to have here at Marketplace with our investment coaches. Rick Some builders, as you know, they commonly offer rate buy down incentives to buyers of new homes. And what some of our providers are doing here, Rick, is we have one builder where if you use their preferred lender, they're buying down your income property's mortgage rate to 5.75%. And we have another builder where if you use their preferred lender, they're still buying down your mortgage rate to 4.75%. And of course, with Non-owner occupied property here, you know, previously you had talked about mortgage rates in excess of seven.   (00:06:47) - They might normally be about 8% for non owner occupied property, but you're able to buy them down to five and three quarters or even four and three quarters with one of our providers for new builds right now, that's a great deal and your listener should really be taking advantage of those opportunities. We'll get into new homes in a few minutes and what we're seeing builders do for consumers, But have to tell you, those numbers are better deals than consumers are getting right now. And you're being generous when you're talking about private lending rates right now. Most of the lenders I'm familiar with are nine, ten, 11%, depending on the nature of your investment. So your folks are getting a great deal with those rates. We talked about purchase loan applications. The other advanced predictor I look at is pending home sales. These are people that are entering into contracts. The deal hasn't been closed yet. Has it been recorded yet? This comes out from the National Association of Realtors. And those numbers are down on a year over year basis as well.   (00:07:42) - There's a lot of rate sensitivity in the market, though, Keith. And if you go back to March when rates went down just a fraction of a percent, we saw more purchase loan applications. We saw more pending home sales. But as rates have climbed back up over seven, we've seen both of these metrics go down. Yeah. So we're talking about pending home sales. We're talking about sales volume that's down in this discussion, not sales price. And anyone might be hard to say, but when you see sales volume that's down, including pending sales, how often is that due to worse affordability and how often is that due to low supply of homes? Why don't we jump right into that? Keith That's a great segue. And this is a very difficult time in the housing market because it has both of the factors that you just mentioned, two very difficult headwinds for the market to try and overcome. And and we'll get into details on both of those in just a minute. Because of that, existing home sales were down in July and they were down pretty significantly on a year over year basis, about 16%.   (00:08:48) - And that's the 23rd consecutive month where existing home sales were lower than they were the prior year. January was the lowest month of sales this month, and it broke a streak we started this year. I was forecasting that we'd see between 4.3 and 4.4 existing home sales. That's down from about 5.2 last year in about 6.1 million the year before. Right now, we're trending at a little over 4 million existing home sales for the year. So even my relatively low forecast for the year may have been overly optimistic. You mentioned inventory and inventory is a huge headwind for the market. Inventory of homes for sale today is down about 9% from where it was a year ago. It's down 47% from where we were in 2019, which was probably the last normal year we've had in the housing market. In a normal year, we would be looking at about a six month supply of homes available for sale. That's what economists or housing market analysts will look at as a balanced market balance between supply and demand. We're at about two and a half months supply right now nationally and in many states it's much lower than that.   (00:09:56) - So there's just not much out here. And the only reason the inventory number looks as good as it looks and it doesn't look very good is because it's taking a little longer to sell properties once they hit the market. If you were looking at new listing data, it's even worse. There's very little inventory coming to market in the way of new listings, and that's because of the rate increases we talked about a minute ago. 90% of borrowers with a mortgage have an interest rate on that mortgage of 6% or less. 70% have an interest rate of 4% or less. If you're sitting on a mortgage rate of 3.5% and you sell your house and buy a house at the same exact price with a 7% mortgage, you've just doubled your monthly mortgage payment. It's not that people psychologically don't want to trade a low rate for a high rate. There's a financial penalty for them doing so. And until we see mortgage rates come down a bit, probably into the fives, we're just not going to see a lot of inventory coming to market except for homeowners who need to sell or have so much equity and maybe you're going to downsize into a smaller property that they don't care about that kind of shift.   (00:11:05) - Yeah, that is the mortgage rate lock in effect. Perfectly explain. And the Fed with the raising rates, they can crimp demand. But one thing that the Fed cannot do is create supply. As much as you might like to see Jerome Powell in work boots with a nail gun, that just doesn't happen. There's an image for you, for your listeners. Yeah, and I'm not sure I'd want to. I'd want to live in that house. That's not Chairman Powell building, but inspection. Yeah. Good economist. Maybe not a carpenter. We were talking about this a little bit earlier, too. And if you're an investor, this is probably worth noting, whether you're a fix and flip investor or investor who's buying properties to rent out a lot of the interest. This is from the sharing some data from Realtor.com and they've taken a look at where people are searching for properties and where transactions are taking place and they're finding that Midwest Southeast are really the hottest markets, places that are a little off the beaten path, you know, places in New Hampshire and Connecticut and Maine and Ohio and Wisconsin.   (00:12:06) - But interestingly, some of the markets that had been suffering a little bit, they're starting to see a little more interest in whether it's California, but off the coast or markets in Colorado or Washington state. But clearly, a lot of the activity, a lot of the money is moving into the Midwest, in southeast. That's right. With the work from anywhere trend, you might see this small flattening and not as much of a disparity in home prices between markets. You're certainly still going to see that, but that can just help create a mild flattening when it doesn't matter where you live anymore and you can go ahead and purchase in lower cost markets. Yeah, and what I'm sharing now is national home prices, home price. And I'm glad you mentioned what you just did, Keith, because the fact of the matter is this has been a very localized correction. And if you're in San Francisco or San Jose, if you're in Seattle, if you're in Austin, if you're in Phoenix, you're in markets where prices are off 10% or more from peak.   (00:13:06) - If you're in Boise, Idaho, you're off more than 10% from peak of Boise had oil prices go up by 47% in a single year, a year or so ago. So he just overshot the mark. One of the reasons the national numbers don't show more volatility is because of what Keith just mentioned. It's because people are trading in where they are in a high price, high tax state moving into a lower price state and candidly outbidding local buyers and probably overpaying a little bit for those properties. So you're seeing home prices go up in some of those less expensive markets much more rapidly than they would under normal circumstances. And what we're talking about here is national home prices that are appreciating at a modest rate now. Yeah, and they are. So if you look at whether you're looking at the Case-Shiller index, it gets published monthly or the National Association of Realtors data. We saw home price appreciation start to go down last year. It was still positive but going down and that was true until pretty much the end of the first quarter this year when the data went negative for the first time in years.   (00:14:15) - So we were seeing on both a month over month and year over year basis home prices go down and that happened until June, June, things flatlined in July. Prices actually went up ah, year over year. So if you're looking at the median home price compared to the peak price a year ago, it's actually up about 1% from where we were last year, which is kind of amazing. The Case-Shiller index is a little bit of a lagging indicator and it rolls three months together, but it also started to turn the corner with its July report. So after almost a full year of price appreciation coming down and prices in decline, we've seen both of these indexes turn and are starting to go positive. It does show you that there continues to be demand for properties that are brought to market. And while home price appreciation certainly isn't soaring by any means, it's back in positive territory now. And that's something that a lot of people hadn't predicted this year. When the supply of homes is this low, it keeps generating a few bids for any available home.   (00:15:21) - Now, not as many bids as it did back in 2021. But besides generating bids, you have these huge population cohorts of millennials and Gen Zers that are growing, and they're in their prime homebuyer years moving through the system to go ahead and place those bids and keep just modest home price appreciation here lately. That's sort of how I see it. Rick If you want to add any color or thoughts to that, I think you're spot on. Keith It's the largest cohort of young adults between the ages of 25 and 34 in US history. That's prime age for forming a household. 33 to 34 is the average age of a first time buyer right now. And so these people would like to buy a house. And for people who are investing in single family rental properties in particular, at least short term, the affordability issue is something that definitely works in your favor. If somebody was looking to buy a house, they might prefer to rent a house rather than rent an apartment. I've read research that shows somewhere between 20 and 30% of people who had planned to buy have decided to rent for the next year or two while market conditions settle down or while they can put aside more money for a down payment.   (00:16:27) - These market conditions are playing in favor of people who have rental properties to offer. One other metric I'd like to share in terms of home prices, Keith is the FHFa puts out its own index. FHFa is the government entity that controls Fannie Mae and Freddie Mac. So these are your conventional bread and butter, vanilla kind of 30 year fixed rate loans. If you look at their portfolio, home prices are actually up 3.1% year over year. And every sector of the country is showing positive rice appreciation except for the Pacific states and the mountain states. And those are some of the markets we talked about earlier. And even those are very close to breaking even at this point. So HFA breaks it into about ten regions, nine of those ten currently appreciating year over year. Yep, something like that important for you to know again as an investor as to what's happening in your region. Again, whether you're you're planning to sell the property or rent it out. You talked about what builders are doing for your investor folks.   (00:17:28) - Yeah, we're seeing new home sales actually improving to consumers as well for a lot of the same reasons, incentives. So a lot of builders are coming to the closing table with cash. They're paying points on mortgages and getting those rates down where they're short term or long term. They're offering discounts, they're offering upgrades to properties. And so new home sales are still down, but just slightly on a year over year basis and have actually been beating last year's numbers for the last four months. My original estimate for new home sales this year was about 600,000. I think we're going to probably coming closer to 675,000 this year. And the only reason we won't sell more is because the builders aren't building that fast enough. But one of the reasons people are buying these new homes is because that's what's on the market today. People would have bought an existing home, can't find one. Here's the other factor. New home prices are down 16.4% from last year's peak. Now, this is informative. Think this would surprise a lot of people? Well, it surprises me.   (00:18:28) - It should surprise people because new home prices almost always go up, right? This does not mean builders are discounting homes 16.4%. What's happening is they are building less expensive homes, They're less expensive per square foot, and they're building smaller homes. And they're doing that in acknowledgement of the higher cost of financing. That also, by the way, is in sending people to look at these properties as either a starter home or a minor move up kind of property. But it is one of the reasons why new home sales are doing better than existing home sales right now on a percentage basis. That's an interesting number, Rick. A few weeks ago, I shared with our newsletter audience that builders are building homes smaller and closer together, which might be reflected in lower prices, but just didn't think it would be 16.4% lower from peak. Now, if you're doing year over year, it's probably not that big of a drop, but from the peak price we are off. And it is to your point, it's a pretty significant number.   (00:19:26) - It would be a problematic number if it was the existing home market, right, because then you'd be looking at the same property being worth 16% less. But a builder can kind of play with those numbers a little bit. Single family housing starts after falling for quite a while, are now back going back up only slightly from where they were a year ago, but they are moving in the right direction. Multifamily starts have actually tailed off a little bit after reaching record high numbers. There could be as many as a million apartment units coming to market this year. Yeah, which would be an all time record. So we've seen building on those multifamily units slow down a little bit. If you look at at new home starts for single family properties still below where they were a year ago. But again, for the first time in quite a few months, starting to trend up. A couple of things to share with your viewers here, Keith. In terms of construction, we're seeing construction continue to grow in the multifamily market because of all the starts we saw previously.   (00:20:23) - We are seeing single family construction slowed down, but that's because the builders are working their way through a glut of homes that was under construction. So we had a really weird happenstance about a year ago, a little over year, we had the highest number of homes under construction ever. And this data goes back to the early 1970s, and we had the lowest number of completed properties available for sale ever. And a lot of that was due to supply chain delays and to labor shortages. And over the last year to 15 months, the builders have gradually begun working through this glut of homes that were started but not finished. And we've seen the number of completed homes go up a little bit, almost back to normal levels, not quite there. One of the reasons they're not quite there is people are buying these homes before they're completed. They're working with the builder. Buying a home is it's almost ready to go, but still under construction. What's been encouraging, looking into the future is that permitting has increased a bit over the last two quarters.   (00:21:24) - We know builders are betting on the future. They're not necessarily breaking ground on all these properties they have permits for because they don't want to oversaturate either. And they're being very judicious with their building because they got caught with a ton of inventory during the Great Recession that they wound up selling at fire sale prices. But the trends are long term, looking like they're going in the right direction right now for new homes. So to help the viewer and listeners chronologically, we're talking about housing permits followed by housing starts. And then finally, housing construction. Right? Permits are up, starts are up recently, but down year over year. And the construction numbers are getting back close to normal levels. And we need the builders to build more because even before the rate lock effect took effect and existing home inventory got so scarce we didn't have enough housing in the works, we were depending on whose numbers you believe, somewhere between 2 and 6 million units short. We need the builders to come back to market. Note for your folks.   (00:22:28) - Keith Investors continue to account for a fairly significant amount of activity in the residential market. Over a quarter of home purchases 26% in June, which is the most recent data we have, were made by investors and believe this number actually under reports the number of investor purchases because it's from a company called CoreLogic, it's accurate data for what they count, but they only count investor purchases where the buying entity has an LLC and LP Corp kind of entity. And we know that a lot of buyers don't do that who are investors. So it probably understates it. But the fact of the matter is that historically speaking, 26% of residential purchases being done by investors is pretty high number. That's a pretty high number and as you alluded to, is probably actually higher than 26% of home purchases being made by investors. And so the headlines will breathlessly tell you that Main Street is being gobbled up by Wall Street. Oh, I know. And those institutional investors are evil people. They're buying everything that the truth is is completely the opposite.   (00:23:31) - If you look at investors who are buying properties, it's really the small investors who are buying about 46% of those investor purchases and medium sized investors about 35%. If you're looking at the biggest of the big investors, they're buying less than 10% of what's going out today. And they still own collectively about 3% of the single family rental stock. It's the mom and pop investor who continues to drive the market. Yeah, I'm glad you bring this up, Rick, because there seems to be this outsized perception that institutional money through someone like, say, in Invitation homes is just gobbling up all the good investor homes. And and they're really not. It's mom and pop investors that rule. In fact, there's some legislation pending in D.C. right now that's aimed to keep these institutional investors from doing what they're already not doing and have some tax penalties for anybody who owns. Here's the number that's important. More than 50 properties well, Invitation Homes owns significantly more than 50 properties. I know a lot of medium sized investors who own more than 50 properties.   (00:24:36) - Yeah, they're certainly not institutional investors. They certainly don't have a hedge fund behind them. Important again, for folks in this market to be in touch with their legislators and let them know what's really going on in the marketplace so we don't get this kind of bad legislation. It makes it tough for the average investor to really take full advantage of the opportunities that are out there. 100%. Mom and pop investors might need more than 50 units to obtain financial freedom. Yep. Just to wrap up, Keith, a couple of points on delinquencies and foreclosures. I know a lot of investors got into the business, you know, a decade or so ago and there was just a rash of foreclosure activity and you could buy a distressed property by just walking down the street and knocking on doors. It's a little different these days because of that strong economy we talked about earlier. In that low unemployment rate. Mortgage delinquencies are at an all time low. Mortgage Bankers Association reported that the midpoint of this year, at the end of the second quarter, the total delinquency rate was 3.37%.   (00:25:36) - To put that in context, historically the number is somewhere between 4 and 5%. So not only are we not seeing a lot of delinquencies, we're seeing less than we would see normally as seriously delinquent loans. The ones that are 90 days plus past due is as low as we've seen it in probably the last 6 or 7 years. That's really interesting. So not very many homeowners are in trouble with making their payments, which to some people might seem like a conflict with what we described back in the earlier part of the chat about low savings and higher credit card debt. So many of these homeowners are locked in to these really low payments where they got low mortgage interest rates. Plus inflation cannot touch those fixed rate payments. And that's an important point for those people that are in these homes. It would be more expensive for them to go rent right now, probably because they got such a good deal on the mortgage rate. There's usually a pretty strong correlation between unemployment rates and mortgage delinquency rates. So I mentioned that the most recent report had unemployment at 3.8%.   (00:26:37) - I think at the end of June it was a 3.5%. So we might see delinquency rates tick up a little bit. There was also some really bad social media memeing going on during the government's mortgage forbearance program. There was even an economist who predicted that almost everybody who got a forbearance was going to go into default and that would have been a catastrophe. If you look back a little over a year ago, actually more like two years ago when there was there were a lot of people in forbearance. You saw delinquency rates very high, but that was because people were allowed to miss payments. They were just being counted by the industry as delinquent. The fact is that less than a half of a percent, less than one half of 1% of the borrowers who were in forbearance and there were 8.5 million of them have defaulted on their loans. The overwhelming majority have done very, very well with that program. So it really didn't contribute to any kind of delinquency or default activity. So strong economy, extremely high, low quality because lenders really haven't been making many risky loans since the Great Recession.   (00:27:40) - The record amount of of homeowner equity that's out there. Yeah. Is keeping this market pretty solid to the point where foreclosure activity today is still running at a little bit less than 60% of pre-pandemic levels. So in a normal market, about 1 to 1.5% of loans are in some state of foreclosure. In today's market, it's about a half a percent. So we're just not seeing much go into foreclosure and the properties that go into foreclosure. The homeowners have a significant amount of equity. 92% of borrowers in foreclosure have equity in their homes, which is wildly different from where we were during the great financial crisis, when a third of all homeowners were underwater on their loans. At just about everybody in foreclosure was upside down. And people push back at me when I'm out talking at conferences about this. Keith Oh, yeah, they have equity, but they don't have enough equity to make a difference. Oh, yes, they do. 88% of the borrowers in foreclosure have more than 20% equity. That's typically the magic number that a realtor will tell you you need in order to sell your property and avoid any other kind of complications with one of these foreclosures, preventing any sort of fire sale and lowering of prices that makes all home prices go down in a neighborhood where not anywhere near that.   (00:28:57) - No, not at all. And in fact, some other data that I'll share with you and your listeners is that about 62% of the distressed property sales we see right now are properties in the early stage of foreclosure prior to the foreclosure auction, which means these distressed homeowners are protecting their equity by selling the property before it gets sold at a foreclosure sale. And so they're protecting the vast amount of this equity. But if you're an investor in today's market, there's some really important information in what I just gave you. You can't wait for the bank repossession. In this cycle, bank repossessions are running 70% below where they were prior to the pandemic, so there's fewer properties getting to auction because 67% of these distressed property sales are prior to the auction. Properties that get to auction are selling through at about 60% rate. So there's nothing going back to the lenders. So if you want to buy a property in some stage of foreclosure, your best bet in today's market is to get a list of people in the early stages of foreclosure and reach out directly to them.   (00:30:01) - Your second best bet is to get to that foreclosure auction. Be ready to move at the auction, and your worst bet is to wait for the lender to repossess the property. And in fact, I've seen anecdotal data that suggests that those properties are actually more expensive than the ones you could buy from the homeowner or at the auction because the lenders are fixing them up and selling them at full market price. Good guidance for those chasing distressed properties. So that's what's going on in the foreclosure market. I don't see foreclosure activity being back to normal levels until sometime next year. And I don't see activity bank repossessions being back to normal levels even next year. It's a very different marketplace. This is what I was just talking about. Keith If you were to break up what selling and what stage of the foreclosure process right now, about 64% of distressed sales are taking place prior to the foreclosure auction and less than 20%. Distressed sales today are those background properties. So it's a very different world than what a lot of investors grew up in.   (00:31:03) - Rick is about to share his summary with us, his closing thoughts. Before he does that, I've got two questions for you, Rick. I hear some people out there, it seems to be oftentimes the real estate agent type, maybe that's trying to be a big cheerleader for the market. And I hear a few of them say something like, hey, you know what? You better buy now, because when mortgage rates fall, home prices are really going to shoot through the roof. I don't really know that that necessarily happens because when mortgage rates fall, okay, that might increase demand of capable homebuyers, but it should also increase supply. Now, the mortgage rate lock in effect, goes away and more people will want to bring supply onto the market. And I also like to think about what happens when rates are falling. Typically, that means the economy needs help and unemployment might be a little higher. So my thoughts, Rick, are if mortgage rates do fall substantially, that might help home price appreciation a little bit, but I don't see it as any sure thing that that would make home prices go through the roof.   (00:32:00) - What are your thoughts? It's a great question. You make a very logical argument. A lot of it comes down to supply. And that's where I would hedge my bets. I don't think we see a ton of supply come back to market until rates are back in the low fives. So there's a point and a half of interest going from little over seven to maybe 5.5%, where we're probably going to see more buyers come to market than we're going to see inventory come to the market. My other thought we touched on it earlier is with rents. Talk to me about the future direction of rents. They were horribly hot a year or two ago, up 15% year over year. Rents have moderated substantially. But with this really lousy home affordability and a high homeownership rate, it seems like with this low affordability, we're set up for the homeownership rate to go lower in the proportion that rent go higher, which could put upward pressure on rents over time here. What are your thoughts with rents? Yeah, offsetting what you just said is a record number of apartment units coming to market this year.   (00:33:03) - There are likely to be some markets across the country that wind up oversupplied because of the amount of inventory coming to market. Now, don't get me wrong, the inventory coming to market is going to tend to be expensive inventory. And so that in and of itself could make rent prices come up a bit. I do believe in the short term I would tend to agree with you that the lack of housing stock available for people who would like to buy is going to play in the benefit of the folks who own properties to rent. And that will, I believe, be particularly true for people that own single family residential units that are like houses to rent. I guess we're going to split the difference on these two questions. I'm going to mostly agree with you on the second one. I do believe there's a chance prices will go up a little bit more than you think as mortgage rates come down until we get down to about 5.5%, mortgage rates are lower when we see more of that inventory coming to market. And what is the real wild card in all of this, of course, is what happens with the overall economy.   (00:34:03) - Do we enter a recession? Does unemployment spike? If that's the case, that should weaken, demand a bit and you could have a little bit of an uptick in foreclosures, which will weaken the market as well. So a lot of different components at play. And I think what people ask you questions like that, Keith, about, you know, mortgage rates come down, is this going to happen? They kind of oversimplify the equation quite a bit. There are a lot of other variables that go into it. 100%. Why don't you go ahead and share your closing thoughts with us? A lot of stuff we covered, so I won't dwell on too much of this very long. But from my perspective, a recession is still a real possibility. Probably not until next year if we have one. And if we do, it's likely to be pretty mild and fairly short and we shouldn't see a huge, huge spike in unemployment. I do believe that as the Fed decides it's done raising the Fed funds rate and announces that we'll see mortgage rates gradually decline back toward 6% by the end of this year.   (00:34:57) - And we'll be back in the fives next year. And by the way, historically, every time the Fed has stopped raising the Fed funds rate, we have seen mortgage rates come back down. Existing home sales right now are on pace for their lowest number since 2009. Likely, we're going to see somewhere in the neighborhood of 4.2 million existing home sales. But we're likely to see more new home sales than a lot of people had forecast beginning of this year, maybe 650, 675,000 of those sales in 2023. And we've seen prices decline in the new home market, but they might have bottomed out in the existing home market because of the supply and demand thing that Keith and I have kind of beaten to death during this podcast. Again, importantly for this audience, investors continue to account for a very large percentage of residential purchases and a lot of you seem to be shifting toward buy and hold strategies, which again makes ultimately good sense in a market like today's. And then that anticipated wave of foreclosures that all those folks on YouTube were trying to sell you courses to figure out how to maximize never materialized.   (00:35:57) - And at least during this cycle, not likely to any time soon. Probably won't. Yes, A lot of people a couple of years ago, especially on YouTube, were talking about a certain price collapse is coming and it never happened. And I never saw how it would have happened and I never made those sort of dire predictions. Well, Rick, this was a great chat about the overall economy, the housing market and what investors need with the housing market. I'm sure our audience learned an awful lot. It was a terrific update. If our audience wants to learn more about you and kind of wish this chat would just go on and they could learn more about you and engage with your resources. What's the best way for them to do that? Well, you can certainly follow me on social media. I refuse to say my Twitter handle is just Rick Saga. I'm on LinkedIn to hard to find there. You can also check out my website which is Patrick. Com. Enjoy doing these conversations with you Keith.   (00:36:51) - Think the first time we talked you reached out because I had come down like the wrath of God on somebody who was predicting a housing price crash because I didn't see one coming either and thought he was doing investors a disservice. So keep the faith and keep the good fight going. Keith And I'll be here whenever you want to talk. Jerry Listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. Com. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%.   (00:38:00) - Their minimums are as low as 25. K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, eight six, six. Hi, this is Russell Gray, co-host of the Real Estate Guy's radio show. And you're listening to Get Rich Education with Keith Reinhold. Don't Quit Your Day dream. Yeah, terrific insight from Rick, as usual. It's remarkable how much this interview is aligned with what we're doing here. As Rick discussed how, though, it's a tough environment for homebuyers, it's better for investors, especially for single family rentals and especially in the Midwest and South are core areas.   (00:39:23) - It's a better market for the buy and hold investor than it is for flippers. It's a tough chase for flippers. Sometimes you don't flip the house, the house flips you. There are still so few homeowners in delinquency and foreclosure. Rick believes that when lower mortgage rates come, home, prices could appreciate more than I tend to think. We'll see how that turns out. And, you know, historically here, as we talk about the direction of home prices and the direction of rent growth Now with respect to home prices, when I provided you with the home price appreciation forecast, I keep somewhat undershooting. The market appreciation tends to outperform what I think by just a bit. Back in 2018, 2019, home price appreciation rates, they were just kind of bumping along at 4 or 5%. Back then, interest rates were super low, housing supply was more balanced. And I said right here on this show then about five years ago, that I don't see what will make home price growth like really accelerate or shoot up from here.   (00:40:32) - Well, then we had the pandemic, something that no one saw coming when the pandemic fog cleared. You remember that all here on the show in late 2021, I forecast 9 to 10% home price appreciation for the coming year, which back then I was talking about 2022. And then that appreciation rate for 2022 came in at 10.2%. Although I was close, I shot just a touch low. Now at the end of 2022, well, about nine months ago, I predicted zero home price appreciation for this year. As we near the fourth quarter, it looks like we'll get low single digit appreciation, but that remains to be seen. However, I've long been undershooting the market just a bit, though. Close and mortgage rates. No, don't even ask me. I don't try I don't make mortgage forecast. That is too hard to do. Making a mortgage rate prediction is almost like a certain way to be wrong. Although Rick and I talked about how this is a good market for investors, to my point from last week, in some markets, cash flow has become an endangered species with some of these increasing expenses for investors.   (00:41:46) - And again, I have some really good news for you here. We have largely solved that problem here at Gray of higher mortgage rates, hurting your cash flow. And that's why investors like you are still snapping up rental properties from Marketplace right now because of the strength of our marketplace network and relationships. Here we have a new build provider offering a mortgage rate to investors of 5.75%. Yes, they will see that your rate is bought down to 5.75%. In today's environment, another new build investment property provider is offering a rate buy down to 4.75%. Yes, you heard THAtrillionIGHT? And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. There is more to it than that. And these builders, though they are in business to move property. So take advantage of it where you can. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year. In addition to buying down the rate. I don't know how long all that's going to last, so this can be a really good time for you to contact your in investment coach.   (00:43:06) - Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Today, your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out. And marketplace properties they are often less expensive than elsewhere in addition to the low rates from some of the providers. But now you might wonder why often are the prices not always, but often, why are they lower? Well, first of all, investor advantage markets just intrinsically have lower prices than the national median. And secondly, there is no real estate agent to compensate with the traditional 6% commission, you are buying more directly. Thirdly, these property providers, they are not. And pop flippers that provide investors like you and other people where they just flip like one home a year instead. These are builders and renovation and management companies in business to do this at scale so they get to buy their materials in bulk, keeping the price lower for you.   (00:44:20) - And another reason that you tend to find good deals at Marketplace is that you aren't buying properties from owner occupants where their emotions get involved and they get irrational over there on the seller side. So you can go ahead and get started with off market deals at GRI, marketplace.com. If you'd like the free coaching from our investment coaches, then contact your coach. And if you don't have one yet again you can do that straight at GRI marketplace.com/coach that's an action item for you this week that your future self should thank you for until next week. I'm your host Keith Winfield. Don't quit your day dream.   (00:45:04) - 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.   (00:45:32) - The preceding program was brought to you by your home for wealth building get rich education.