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A Mother's Hope: Overcoming Fear Through Faith & Hope In God http://www.mormonchannel.org/video/mormon-messages - When President Uchtdorf was a young child, he learned that his mother was a great example of how hope and faith in God and in the Gospel of Jesus Christ can help anyone overcome fear.

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Toward the end of World War II, my mother decided to flee to Germany where her parents were living. Though I was only three years old, I can still remember this time of fear and hunger. Along the way the train stopped occasionally to get supplies. One night, during one of these stops, my mother hurried out of the train to search for some food for her four children. I know with certainty, her faith overcame her fear, and her hope overcame her despair.

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The Church of Jesus Christ of Latter-day Saints

The Old Shoemaker https://www.mormonchannel.org/watch/collection/kids

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In this classic story by Leo Tolstoy, a humble old shoemaker discovers that by helping those around him, he is really serving the Savior.

One night, the Savior told Martin to look for him on the street the next day. Martin watched for the Savior, but instead saw three people who were each in need of something he could give.

Though he was disappointed that he had not seen the Savior, Martin soon realized that he had seen the Savior in the faces of the people he helped, and that by serving them, he had served Jesus Christ.

This Christmas, look for ways you can show love to the Savior, Jesus Christ, by serving those in need.

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The Church of Jesus Christ of Latter-day Saints

10 Things Elegant Ladies NEVER Wear! An Elegant Lady would never be caught seen wearing these items! Learn how to level up your wardrobe by avoiding doing these fashion mistakes that will cheapen your appearance!

Download your FREE cheatsheet: How To Look Expensive http://classycheatsheet.com Learn the essential hacks to looking luxurious on a budget!

Wearing a tailor-made dress by http://marimofashion.com (many of you have asked me about this dress. Contact them for details if you're not able to find it on their website!)

My Pink Steamer: https://amzn.to/2YZwSjO

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⚜️WHAT IS SCHOOL OF AFFLUENCE?⚜️
School of Affluence is an elite finishing school. It's an exclusive curriculum for ladies who are passionate about their pursuit of a refined and elegant life.

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❤️ Don't forget to subscribe to my channel, like, comment and share if you liked this video and it was valuable to you.

❤️ Check out these TOP related videos on Elegant Fashion:

-Fashion Mistakes Beginner Girls Make In High-Society-
https://www.youtube.com/watch?v=QPmNFQyM_cE&list=PLLtTVHnRmkJkulziRD_BQpOSdQ04BOwic&index=13

-These Shoes Are NOT Classy-
https://www.youtube.com/watch?v=WWSUhyzlpqg&list=PLLtTVHnRmkJkulziRD_BQpOSdQ04BOwic&index=5

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👑 For More Luxury Content 👑

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Why You'll Regret Buying A Home In 2021 For your chance to win a dream house in Austin, Texas OR become an instant millionaire – all while supporting a great cause – enter at https://omaze.com/GrahamS - Enjoy! Add me on Instagram: GPStephan

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BIGGEST REGRETS:

1. Not being prepared for maintenance and other “Extra” costs associated with home ownership.
It’s important to realize that, with real estate…your payment doesn’t just stop with your mortgage. You’re also responsible for property taxes, insurance, regular maintenance, and the strong likelihood that something is going to break the moment you buy it thanks to Murphy’s Law.

2. 13% of millennials say they have regrets about their mortgage rate being too high, or paying to much to buy the house
To me, this sounds like a mistake of not shopping around, and not doing enough research to make sure the rate you’re being quoted - is actually the most competitive rate. Even from my own experience buying properties, 9 times out of 10…the first loan estimate you get is NOT going to be the lowest price, and it’s up to YOU to shop around for a more competitive offer.

3. A significant portion of millennials say that the home was NOT the right fit.
Now, it’s important to realize that - in a highly competitive market like this - there will be some compromises, and unless you have an infinite budget of money to create the perfect fairytale dream home in a good school distract without noisy neighbors…you won’t get EVERYTHING, especially as a millennial. But, these regrets listed are….in my opinion…not something that should be happening.

4. 9% of millennials who say the house they bought WASN’T a good investment.
The traditional rule of thumb says a mortgage is a great way to act like a forced savings account, because every single month you make a payment, you’re building equity in an appreciating asset…and that’s true. But to really come up with an answer, you need to compare it with the cost of renting, and the opportunity cost of investing your money somewhere else.

So, overall…here’s my take on this…as a millennial.

I generally encourage ANYONE who’s buying a home, to do so with the expectation of living there at least 5-8 years…otherwise, the closing costs of buying and selling eat away at the potential benefits of being able to build equity with a mortgage. It’s also INCREDIBLY important to understand WHY you’re buying a home in the first place, and what problems that’s going to solve…like, is it a way to save money? Have more space? Put down roots? Or, is it just a good investment? If it doesn’t fall in one of those categories…chances are, you probably should be looking elsewhere, or perhaps holding off from buying something until you have a clear solution.

I also recommend, ANYTIME you’re buying ANYTHING…never max out what you’re able to buy. That way, in the event of a job loss, or a reduction in income…you don’t have to worry as much about unexpected repairs, or a higher mortgage than you would’ve liked…because you’ll KNOW you prepared for a buffer to make sure you have enough to continue making payments.

And when you begin putting all of this in perspective…from every single one of the 63% millennial homeowner regrets… it sounds more like an issue of poor planning, than it does as a fault of the home itself. Almost all of these regrets could’ve been avoided with about a day of research and planning, and even more than that could’ve been fixed with some evaluation of whether or not they were buying a home for the right reasons.

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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/

$6MILLION WATCH SHOPPING SPREE IN BEVERLY HILLS!! It's been far too long since I've been in to a store, but today was the day! We went to see Peter Sedghi at Luxury Jewels of Beverly Hills and he showed us $6MILLION in watches and jewels!

Follow Peter:
http://www.instagram.com/luxuryjewelsofbeverlyhills

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MUSIC IN THIS VIDEO: http://share.epidemicsound.com/producermichael

Release Regrets, Guilt, Fear, Anxiety, Inner Conflicts, And Struggles - Deep Healing Meditation Release Inner Conflict and Struggle - Let Go Of The Past - Forgiveness, and Love - Beautiful Meditation Music - Relaxing Music - Flute Music - You may see other videos titled: 528Hz Release Inner Conflict & Struggle | Anti Anxiety Cleanse - Stop Overthinking, Worry & Stress - Release Inner Conflict and Struggle, Greater Vital Energy, Anti-Anxiety, Deep Peace - These videos are efforts to achieve the same thing but worded differently. They rarely work, at least for me. This video is my effort to achieve this goal. It works great for me personally, and I hope it does for you too. The intention of this video is to help reduce anxiety, release stress, release guilt and release inner struggles that result in excessive rumination and feelings of regret.

This music can be used to sleep, relax, meditate, study, read, or massage. This music is perfect to combat anxiety, stress, or insomnia since it facilitates relaxation and helps us to eliminate bad vibrations. They can also use this music as a background for guided meditation or sleep relaxation. This video's music is accompanied by a slow fade-in of brown noise, and the music fades after 4 hours. This will have a positive effect on the user's mind and will be helpful to come down from the experience.

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Please take the time to properly adjust your volume to a comfortable level. For optimal results, you should listen to this while resting with your eyes closed. Please consider sharing your opinion or experience with this video. Any criticism or feedback is welcomed and appreciated. Rating this video with a like or dislike helps to reflect the video's efficacy and value. Headphones are recommended, but not required.

An attempt to simplify for the sake of brevity: Neural entrainment or brainwave entrainment is the theory that our brains have a tendency to synchronize themselves to external stimulation, which could include auditory, visual, tactile, or electromagnetic stimuli. The average human brain contains approximately 80+ billion neurons that communicate to form our thoughts, emotions, and behavior. When our neurons communicate in mass, it produces a synchronized electrical pulse known as a brainwave. With the use of neural entrainment, our brainwaves can align with these auditory stimuli. As a result, we can stimulate our neurons and brains in ways that could positively affect our psychology and physiology.

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• Due to a popular request, I have decided to upload the highest quality audio files to my website. This allows anybody to download the audio files used in each video before it's compressed. These are large files, and it costs money to host them on a server, so they are being sold for less than the price of a cup of coffee. If you're interested in downloading this specific audio file and want to support the channel while you're at it, you can find it here: https://www.anthonysommer.com/store

#RelaxingMusic
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Rich Kid Buys A Poor Kid A Birthday Present | Rich Kids Go Skint | Channel 5 Callum Ryan is a rich kid who goes from vlogging from a posh village to sleeping on a sofa. After spending the week doing plenty of chores, Callum buys one of the kids he is staying with a birthday present. Check out Rich Kids Go Skint to see if his birthday present is well-received (spoilers, it is!).

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