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The Town Church is a church in Fort Collins, Colorado. We gather on Sunday mornings at 2112 E Harmony Road in Fort Collins. Join us as we learn to live in light of the gospel of Jesus Christ as taught in God's Word. For more information visit our web site - www.thetownchurch.org
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Open Notes Podcast - Fort Collins Symphony

Jeremy Cuebas - Fort Collins Symphony

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Classical Music for everyone! The Open Notes Podcast is the place for anybody interested in Classical Music to learn more, from newbies to seasoned veterans.Open Notes features interviews with soloists and composers, interactive program notes, and discussions about topics in classical music. Hosted by Jeremy D. Cuebas and sponsored by the Fort Collins Symphony
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Interviews with interesting people in the Northern Colorado area and beyond. What are they up to? How did they get started? What have they learned along the way? We want to encourage, entertain and inspire our listeners as they journey through life and make Fort Collins and the world a better place.
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Fort Collins Junk Removal is a locally owned full service company that provides prompt, professional, and cost effective junk removal & rubbish removal services to homeowners, businesses, and contractors. We do demolition cleanups, foreclosure cleanups, estate cleanups, foreclosure cleanups, garage cleanouts, construction cleanups, house cleanout, and apartment cleanouts. We also do junk removal from anywhere on your property.
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Warning - Risks of Loan Called Due When Investing in Real Estate Investing in real estate adds some risk to an already risk-filled life. However, certain activities and strategies when investing in real estate create additional risks that other strategies and activities do not have. For example, choosing to utilize strategies where the lender has t…
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Sermon Scripture: John 20:19-31, 1 John 1:1-2:2 Like the disciples gathered in the upper room when Thomas asks to see Jesus for himself, we wrestle with the aftermath of the cross and resurrection. The season of Eastertide is one in which we wrestle with the hope of big promises and the reality of broken and tough situations. It is a time when we m…
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1 Samuel 16 introduces us to David, the youngest of the sons of Jesse and a simple shepherd. Although he was overlooked by man, God saw David's heart and chose him as the king of His people. How does God use the ordinary, overlooked things in our own lives for His purposes? How can seeing more of God in these things shift our affection back towards…
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How to Analyze Buying a Rental Property at a Discount in Fort Collins Some real estate investors insist on only buying properties where they can purchase them at a significant discount. While not mutually exclusive, other investors insist on buying quality properties at a fair price as long as it gets them their desired returns and will stand the t…
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Sermon Scripture: John 19:41—20:18 To be able to honestly proclaim, “Christ is risen! He is risen indeed,” we, like the characters in our scripture passage this morning, must affirm that four important things are happening in our lives. You might say we are being invited to experience four things developing in our lives. Jesus makes and keeps his p…
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How to Calculate PMI If you're planning to buy a property and put less than 20% down, you're likely to be required to pay Private Mortgage Insurance. Lenders prefer that you put at least 20% down, but if you insist on putting less than 20% down, they may still make the loan. However, they will usually do so at a slightly higher mortgage interest ra…
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Sermon Scripture: Mark 1:1-11 As we consider the crowds who met Jesus in praise and later condemned him to death for not suiting their needs, I hope we can humbly ask ourselves, “In what ways (big or small), do we push Jesus aside when his Kingdom does not align with ours?” May we say NO to our preferential kingdoms, no to the kingdoms of the cultu…
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There are a large number of investing strategies you could pursue as a real estate investor: Nomad™, house hacking, fix and flip, buying 20% down rentals, buying 25% down rentals, saving up to buy free and clear rentals and many, many more options. Which is the best? Which gets you to financial independence fastest? Which gives you the highest net …
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Sermon Scripture: John 12:20-33 Here on this 5th week of Lent it is not jumping the gun, nor stealing the thunder from our upcoming Easter celebrations to talk about the cross. In some ways we talk about the cross all the time, but in others ways we don’t talk about the cross enough. It would be tragic to not call attention to the subversive nature…
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In 1 Samuel 13-14, Saul's shortcomings as king come to life, reminding us that earthly leaders will always end up falling short. Despite these things, this passage also reminds us that God's presence will always be with His people. What things are we seeking for security and peace of mind? How does the failure of these things to satisfy us point us…
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Deal Alchemy™ - Increasing Down Payment There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate inv…
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Today we unpack some of the main points from yesterday's sermon and examine patterns we've seen throughout 1 Samuel. Why is it significant that Samuel continues to remind the people that they sinned against God by demanding a king? How can our hearts shift toward being grieved by our sin and not just the consequences of that sin? Why must we remain…
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Sermon Scripture: John 3:16-21, Ephesians 2:1-10 The Spirit’s work in our hearts is an open invitation of naming our imperfects and leaving them with Christ on our altars. As the Lord renovates the space of our lives, we often see the dust begin to settle right back where it has been cleared away. Today we hope to consider how to make the cleansing…
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Warning - Risks of Rental Property Expenses When Investing in Real Estate Risk is all around us. When we choose to invest in anything, we’re choosing to take on the additional risk characteristics of that investment. For example, when we choose to invest in real estate, we choose to take on the risk characteristics of the specific real estate inves…
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Today, we wrestle through our own tensions surrounding God's plan to instate Saul as Israel's king. While we see many flaws in Saul's character, we also know that he is one of the many imperfect people the Lord has used to carry out His perfect plans. Additionally, we hit on ways we have seen God reshape our own hearts both in the past and the pres…
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How to Analyze a New Construction Single-Family Home Property in Fort Collins Your ability to analyze deals is arguably the most important skill as a real estate investor. It allows you to make smart investment decisions and helps you avoid making career-ending bad decisions, such as buying cash-flowing-sucking vampire properties. In this class, Ja…
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We are excited to have Dr. Floyd Cunningham join us to tell of the many wonderful things God is doing all around the world through Nazarene missions. The Pape family and Floyd were together in the Philippines for many years. FAITH PROMISE is used by many local churches to raise financial support for world missions. The Church of the Nazarene, of wh…
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The 3 Strategies to Pay Private Mortgage Insurance (PMI) Whether they're putting 15% down and buying a non-owner-occupied property or utilizing an owner-occupied loan with 0%, 3%, 3.5%, or 5% down for Nomading™ or house hacking, some real estate investors will choose to put less than 20% down. With the decision to put less than 20% down comes the c…
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Sermon Scripture: Mark 1:9-15 During the weeks of Lent we become especially mindful of all that alienates us from God, indeed, of the human evil that nailed Jesus to those rough beams. This we lament with sadness. At the same time, we understand that by his death Jesus secured for us forgiveness and eternal life. We are like; prisoners whose releas…
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Investing in real estate is full of truthy-sounding falsehoods: it is always better to do X than Y. However, if you were crazy enough to sit down and do the math, you'd find the truth to be much more nuanced. For example, should you take all your extra cash flow and savings and apply it to your mortgages each month to pay off rental properties fast…
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Sermon Scripture: Mark 9:2-9 The season of Epiphany begins just after Christmas with the story of Jesus’s baptism in the Jordan river by John the Baptist. As Jesus emerges from the water, a cloud appears and a dove descends and the voice of God is heard to say, “You are my beloved son, in whom I am well pleased.” And here, on this day of Transfigur…
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Deal Alchemy™ - Cash Flow to Debt Paydown There are four primary returns from investing in rental properties: appreciation, cash flow, debt paydown, and the tax benefits of depreciation. Additionally, there is a secondary return in the form of the interest earned on the reserves required to make the investment in the first place. Many real estate i…
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We live in a world where the truth of God has been abandoned, and the absence of God feels as real as it did in the opening verses of 1 Samuel 3. However, we know God desires to be known, and He graciously gives us the means to know Him. Where do we find our own hearts as we exist in this culture? How can we seek God's presence through His Word?…
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Sermon Scripture: Mark 1:29-39 The Kingdom has come through Jesus for a specific purpose; to renew humanity and creation to its original design by overcoming the obstacles that prevent us from union with God and one another — but how are we doing at living this calling? How are you caring for your physical, emotional, and mental health? We can endu…
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Warning - The Risk of Down Payment Size When Investing in Real Estate Life is full of risks. When we choose to invest, we choose to take on additional risks. If we invest in stocks, we choose to take on certain risks. When we choose to invest in bonds, we take on different risks. When we choose to invest in real estate, we choose to take on additio…
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