Podcasts about depending

Andrew Sather has been a self-taught investor since 2012. His investment journey began when he first acquired an internship opportunity at a college and met his mentor who taught him everything he needed to know about personal finance and the stock market. Andrew is also the publisher of einvestingforbeginners.com and the daily email newsletter, The Sather Research eLetter. He is the co-host of The Investing for Beginners Podcast, which boasts over 1.5 million total downloads. Andrew specializes in identifying value traps and avoiding stock market bankruptcies.Listen  in as they discuss:Andrew's journey to becoming an investorAdvice for new investorsSteps a new investor should take to begin investingThe worst advice seen or heard given in getting started with  stock market investingWhat you need to become a great  stock market investorAnd, more!TIP OF THE WEEKMark: My tip of the week is to learn how to start getting involved with the stock market and listen to the podcast, you can go to Investing for Beginners Podcast or einvestingforbeginners.com.Scott: Sometimes you have a picture and you just want to get the background out of it, so check out photoroom.com, they have a background remover tool. You upload the picture and with AI it makes the background go away. No need to photoshop, AI can do it for you.Andrew: I've been listening to this book called, The Psychology of Money by Morgan Housel, it's fascinating and really unique. There are so many takeaways, but one of them is just an idea like, "Depending on what generation you're born in, you have a completely different outlook on money, not to mention what country you're born into."WANT TO LISTEN MORE?Did you like this episode? If so, tune into another one of our exciting episodes with special guest Kirk Chisholm as we discuss how to be innovative in the world of wealth management.Isn't it time to create passive income so you can work where you want, when you want and with whomever you want?

Welcome back to our monthly series, The Game Room Where It Happens! Since we've been gaming practically our entire lives, we occasionally discuss different gaming franchises on the podcast. This month, @PhilTheFilipino & @MrEricAlmighty talk about God of War, which just so happens to have recently found it's way on PC, but we talk about our PlayStation experience with the game.Looking for more content to binge? Make sure to check out The Wait For It Podcast YouTube Page!

We go OFF the rails early and often in this episode. Chris sends us down a crazy path after Rob brings up his recent promotion that you need to hear to believe. Let's just say Chris sings a song about a Nun that leaves Rob in tears. After going down multiple rabbit holes from Twitter vs Instagram to other random thoughts, we get somewhat back on track and tackle real life stuff. Looking to change jobs internally? We lay out the process you should follow prior to the job being posted and what you should do afterwards. Rob touches on not over using your political capital on every job that you see open. Plus, if you are looking to leverage a current job offer into more $ at your current organization then you better be ready for the answer on the other end. Rob then closes the show with another golden rule....the U-Haul Rule. Depending how many U-Hauls you need to rent should dictate whether you should move or not.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Imagine going your entire life without seeing a doctor; without getting your blood pressure checked, without routine lab work, or even a pelvic exam. Sounds ludicrous, doesn't it? Yet, that is exactly how the majority of Americans care for their mental health.Depending on the statistic or study, only around 40 percent of American adults have seen a mental health expert at some point in their life. Maybe it's because of the stigma surrounding it or maybe it's because we don't really know when we need one.  And if we know we need one, how do we find one? Or afford it?Join us and Dr. Denise Bickel for this episode, as she shares her expertise on when it might be time to seek a counselor and how to find one that provides the biggest impact. Guest:Dr. Denise Bickel, PhD, MSW, LCSW, has decades of experience as a mental health professional and as an adjunct professor at the University of Denver. Denise is also an avid Crossfit participant and former triathlete and marathoner. She is also Robin's mentor. 

Mass formation psychosis. Depending on whom you listen to, it's either the perfect description of our cultural situation, or else it's not a real thing at all. Jesus is king. We need to remember this. While we shouldn't let politics dominate our lives, is there a proper way of engaging in the political realm, productively and biblically, without sacrificing our Christian integrity? And how do we lead our families into the sphere of politics (without stressing out our wives and kids, preferably)? This is Part Two of our interview with Stephen Wolfe and Thomas Achord, hosts of the “Ars Politica” podcast. Listen as they discuss the now-infamous idea of Mass Formation Psychosis, and what to do about it. Listen to Ars Politica: https://ars-politica.captivate.fm/ Listen to the ThinkPod: https://anchor.fm/the-think-podcast Watch on YouTube: http://youtube.com/thethinkinstitute If this blessed you, consider supporting us: https://thethink.institute/partner Facebook: http://facebook.com/thethinkinstitute Twitter: http://twitter.com/thinkinst Mewe: http://mewe.com/i/thinkinstitute Gab: http://gab.com/thinkinstitute Minds: https://www.minds.com/thinkinstitute/ Catechize your kids: http://thethink.institute/catakids. Book Joel Settecase to speak: https://thethink.institute/booking Sign up for the email newsletter: http://thethink.institute/think-updates Join a course: http://thethink.institute/hammerandanvil Music Credits: Driving to the Night by Frank Schröter Link: https://filmmusic.io/song/8085-driving-to-the-night License: https://filmmusic.io/standard-license Synthwave Intro 03 by TaigaSoundProd Link:https://filmmusic.io/song/7299-synthwave-intro-03 License: https://filmmusic.io/standard-license --- Send in a voice message: https://anchor.fm/the-think-podcast/message

In conflict situations we tend to step into familiar roles and often endlessly repeat the same unhelpful behaviour patterns. Karpman's Drama Triangle offers a useful model to understand the three roles that play out in these situations and what needs to be done to find a way out of these repetitive conflict scenarios.The three roles we can step into are that of The Victim, The Persecutor and The Rescuer.The person in the role of the victim feels oppressed, helpless and powerless and inferior. The stance in life is 'Poor Me'.The person in the role of the persecutor is blaming, oppressive, critical and superior. Their stance is 'It's all your fault'.The person in the rescuer role needs to help, find solutions, be supportive and allows the victim to fail. Their stance is "Let me help you'.We tend to have a preferred role that we play in conflict situations. This role was usually formed in our family of origin and is therefore very familiar. However, in the drama triangle we also switch roles from time to time when one position becomes untenable. A victim can become a rescuer or persecutor; a persecutor can become a rescuer or victim. Depending on the nature of your relationship you may be stuck in a particular familiar dance: one of you is always the victim, the other always the rescuer. One of you is always hard done by or helpless and the other needs to always support the other and enable your partner's difficulties.When stepping out of the drama triangle the aim is to act in a more adult way, rather than from the perspective of child or parent. For more background info on the adult/child/parent model listen to our podcast of 7 March 2021, How to use Transactional Analysis to communicate better.Nobody wins in being stuck in the Drama Triangle.  To step out of it you will need to develop more awareness of the role that you play and to take responsibility for your own feelings and behaviours.  Persecutors will need to learn to be more assertive rather than aggressive,  victims will need to learn to recognise their vulnerabilities and learn how to address them and rescuers will need to set more boundaries, allowing the other person to make their own decisions.We explore ways of communicating more effectively and dealing with conflict in much more detail in our online course The Relationship Maze. Check out our website to find out more and to access other resources.You can also get additional show notes on our podcast website.

There's little doubt that you missed all the hype around the Netflix animated show called Arcane. You may also have heard us talk about it winning Best TV Show of 2021 during our End of Year Awards. If you haven't seen it though, stop what you are doing, and binge the first season NOW! For this episode, @PhilTheFilipino & @MrEricAlmighty bring on Stefan to discuss FULL spoilers, and talk about the season act by act.Looking for more content to binge? Make sure to check out The Wait For It Podcast YouTube Page!

Over 30 years ago, Jennifer Harris co-founded Technology Management Concepts (TMC). Since then, she's held many positions at TMC, from creating and leading Professional Services to her current job as CEO and President. She continues to serve as a Gold Microsoft Partner, which helps with Microsoft applications and cloud infrastructures for their clients. Jennifer has gone through three different transformations in the digital age, giving her a unique and comprehensive view of current technology. She has received numerous awards for her accomplishments, including recognition from the LA Business Journal and the Inc5000 as one of the fastest-growing companies. In this episode… Becoming a great leader is all about overcoming obstacles. Depending on who you are and your background, those obstacles can vary greatly. Some people have to elevate themselves to higher levels than others to find their success, making their stories the most inspiring. They're the ones who often have the practical advice for other entrepreneurs to follow. Jennifer Harris has gone through three different digital transformations with her business, giving her a distinct view on how to change with the times. She was also a co-founder of a technology company in the 90s and 2000s, which meant working through a less accepting time for women. She helps other women in business and now talks about those same principles with you. In this episode of Next Wave Leadership, Dov Pollack invites Jennifer Harris, the Co-founder, CEO, and President of Technology Management Concepts, to discuss her business and the leadership skills she's learned along the way. She talks about the digital transformations and how her company handled them. She then discusses topics such as women in tech, how to receive feedback, and the best advice she ever received. Stay tuned for all this and more!

Kelly's “Tossing of The Stash” is in progress and we have a discussion of what to do with all that handspun! Plus, project updates and the announcement of our Crochet Along winners. Full notes with photos and links can be found in the podcast section of our shop website: TwoEwesFiberAdventures.com Join the community on Ravelry or become a patron and support the show on our Patreon Page. Transcript available at the end of the show notes. Subscribe on Apple Podcasts or Subscribe on Android or Subscribe on Google Podcasts Marsha's Projects Nanny Meier's Tea Cozy by Amelia Carlsen. I am using Cascade 220 Heather in Red Wine Heather (9489) and green Irelande (2429). I've knit about half of the second side. Pebblebrook Beanie by Wish Upon a Hook (Ravelry link). I started this beanie using Little Sheep in The Big Woods. I was trying to finish this for our Two Ewes Crochet Along, but after ripping it out three times, I admitted defeat and set the project aside. Meadow Stripe Socks using Patons Kroy Sock in the colorway, Meadow Stripes and Lang Yarns Jawoll Superwash fingering for the heels and toes. Finished the first sock and worked on the second sock. Quick Switch Hat by AbbyeKnits. My son liked the hat so much I cast on another for him using Meeker Street Olives Outerwear DK in the colorway Sage. Phrancko Designs crew neck from Phrancko.com by Frank Jernigan. I'm using my green and brown handspun merino. I joined under the arms and knit five stripe repeats (3 rows brown, 6 rows green). Looking at the amount of yarn I have left I was concerned I would not have enough for green. I called Kelly and we designed stripes using Fibonacci Sequence. The plan now for the stripe sequence will be: Four repeats of 3 brown, 6 green Three repeats of 5 brown, 6 green Two repeats of 8 brown, 6 green The ribbing will be brown. After the body is complete I will knit the collar in green and then assess the yarn situation and decide how to finish the sleeves. Kelly's Projects Last minute crocheting: I finished the Pebblebrook Beanie (Ravelry link) out of my Invictus club yarn from last year. It's a green and gray and yellow variegated yarn and it turned out great. It will join the other charity hats that I have to get sent out.  I also finished two crocheted Mother Bears. One was half done and I found it during the stash tossing and finished it up (Ravelry link). Then I got inspired to make one last one (Ravelry link) to go with the last tag I had. These need to get into the mail, too.  Two more crochet projects were finished for this episode. I made a cat bed (Ravelry link) using lots of my spirit yarn and then fulled it a little. The starting point for the pattern was Crochet Round Cat Bed by Humbug Designs (Ravelry link). This will go on the porch for Minnie to sleep on. Then I made an ear saver to use with my masks when I'm teaching. The pattern I used was One Button Mask Ear Saver by Robin Kline (Ravelry link). I wear it up near the top of my head, but you can also wear it behind your neck. I've already worn it for several hours and it was comfortable and stayed put. I'm still working on a pair of socks (Ravelry link) in Bob Ross Happy Little Mistakes yarn from Weird Sisters Wool Emporium in Aberdeen. I'm using the stitch pattern from Blueberry Waffle socks.  Finally, I started a sockhead hat (pattern by Kelly McClure) using some leftovers from the Rachel pullover.  Crochet Along Thank you to everyone who participated. Listen to the episode to hear who won a pattern of their choice up to $12.00 Winter Weave Along Starts October 15 and goes through the end of March. Two Ewes' Hand Dyed Cotton Yarn and Dishcloth Pattern Giveaway  January 13 - February 28 Drop by our Ravelry thread and let us know your favorite dishcloth pattern and you will be entered to win a skein of our hand-dyed cotton and a Two Ewes' dishcloth instructions. Never made a dishcloth? Tell us if you are a dishcloth newbie. Full Transcript Marsha 0:03 Hi, this is Marsha Kelly 0:04 and this is Kelly. Marsha 0:05 We are the Two Ewes of Two Ewes Fiber Adventures. Thanks for stopping by. Kelly 0:10 You'll hear about knitting, spinning, dyeing, crocheting, and just about anything else we can think of as a way to play with string. Marsha 0:17 We blog and post show notes at Two Ewes Fiber Adventures dot com Kelly 0:22 and we invite you to join our Two Ewes Fiber Adventures group on Ravelry. I'm 1hundredprojects Marsha 0:29 and I am betterinmotion. Kelly 0:31 We are both on Instagram and Ravelry. And we look forward to meeting you there. Both 0:36 Enjoy the Episode Marsha 0:42 Hi, Kelly. Kelly 0:43 Hi, Marsha. How are you? Marsha 0:45 I'm doing well. Kelly 0:46 I'm doing great too. I have been decluttering, purging. Marsha 0:52 You know you've been doing you've been tossing of the stash Kelly 0:55 Tossing of the stash. That's right. That is what actually I am doing. Marsha 0:58 Is any tossing going on? Or is it just been reorganizing the stash? Well, let's just talk about it. Okay, so tell me everything Kelly 1:05 Last time we... last time we recorded I think I had already started. I had taken everything downstairs and laid it out on the studio floor, all the knitting yarn from various places in the house, because I keep it in various places. I had dug stuff out. Then I decided I needed to move it upstairs to the spare room where I could close the door and nobody could see it. Nobody meaning Robert couldn't see it. Just because I wanted to leave it messy for a while. And he likes things cleaned up and neat. So yes, and he was cleaning the living room, taking down the tree throwing away Christmas ornaments. So we did do some some tossing of the Christmas ornaments. So you know I was in that mood. So I brought it all upstairs and I laid it out on a tablecloth. It's about the size of a double bed sheet, flat sheet. And then I started organizing it and I did a little bit more organizing today. It's been out for more than... well for two weeks essentially. It's been sitting here inspiring me and also making me wonder about myself! [laughing] Marsha 2:21 okay, well Dr. Marsha is here listen to it. So tell me all about it. Kelly 2:26 Okay, well, I decided to-- we talked a little bit about what how I should go about the organization process and and so the first thing I ended up doing was taking all of the commercial skeins, commercial hand dyed, well, just commercial skeins that I had purchased on purpose. I had obtained on purpose. And I put-- It ended up that -- I thought this was true. And I was right. It's a very small batch! Not quite as small as I thought. Because I still have all that Rauna. The Finnish yarn that we got crazy about the year I was making argyle socks and we got all these different color combinations. So I had quite a bit of that. I had quite a bit of that still unused, but it fits in-- I have this wooden, like rice basket I guess it's called. I got it at a garden show. It's a wooden basket that came from, I think it came from--they said it came from Vietnam or someplace. Anyway. It's not that big. And it fits all of it. Marsha 3:03 Mm hmm. Kelly 3:42 So that's my like, "I got this intentionally" kind of yarn. And then the rest of it is a combination of handspun, leftovers, some of which are handspun, and spirit yarn. And then a little bit. like a small amount of like farm yarn that I didn't include in the commercial skeins. It's all natural colors and it went-- it seemed like it went better with the batch of yarn that was all handspun so I put it in that batch. but I... you know... So I have. ..I have over 13 skeins of Rug Yarn plus extra balls leftover from previous rug projects. I have five skeins of extra bulky yarn. I have over six skeins of white handspun-- you know natural creme handspun. Seven skeins of cotton handspun for a cotton project. I have about six skeins of luxury-- what I would consider to be luxury yarn. Some of that is leftovers. There's silk and silk and cotton and silk and wool angora, and that kind of stuff. I have three skeins of handspun from commercial dyed braids. That's it. And lots of leftovers. Some Wensleydale skeins, some suffolk skeins, a bunch of CVM leftovers. Anyway, so what am I going to do with it? The problem with that is, what am I gonna do with it? You know, like I was thinking with the handspun like, I don't want to get rid of it. I mean, I don't want to throw it, right? I don't want to toss it. I want it to be used but when I think about using the rest of the yarn from all the handspun sweaters that I made, and I've got quite a bit of yarn, I think I have five handspun sweaters that I have leftovers for. And when I think about you know making a hat or I can make mitts or I can make a scarf. Like that feels like making an adult layette. [laughing] Marsha 6:19 Yes, funny! [laughing] Kelly 6:26 I just, I don't feel like that's an adult thing-- to wear a hat and a sweater and mitts and socks that all match. Marsha 6:37 Yeah. So well because it-- because I even sometimes question if I have on hand knit socks, hand knit sweater, hand knit hat. Like then put a scarf on it seems like it's too much. Like too much hand knit. And they don't even match. So if it's all matching like... and you don't want to make something for Robert because that's not cool having matching--husband and wife matching outfits. [laughing] Kelly 7:02 Out of the CVM that I made the Orcas run sweater, I did make him a hat with the Orca pattern on it, which he likes. But yeah, we don't actually dress alike! [laughing] I have made some charity hats with some leftover handspun but you know it's not washable. So anyway, that's kind of my my, my dilemma with this yarn. I like it and I want to use it but I don't know what I'm going to use it for. What I did do though, is that a lot of the partial skeins I did collect them all. And I put them into my mother bear kit for making Mother Bears and I had... I realized when I did that, that I had a half a bear in the bag. And I haven't made a mother bear in a really long time. And I realized why when I put the additional yarn into the bag. It's because I was making a bear and I was using like three skeins of different weird... some handspun leftovers to get to the right weight of yarn for the bear. You know it's holding two strands together holding three strands together, running out because I was using these little you know, hazelnut sized balls of yarn, and then having to splice in the new one. I thought, why was I making my life so hard? Why not when I get down to that little amount of yarn? Or if I have something that's really so fine that it doesn't make a good bear? Like why would I put it in the kit. So I... so I cleaned up that bear Mother Bear kit put in new, threw away some stuff from there, put in new yarn into the Mother Bear kit and then I actually got inspired to finish that bear and make it make another bear which that's getting into my projects. But I did get a little bit inspired by stuff. So that was good. But it does kind of show me just some kind of gaps in what I have or overages overages in skeins. Like do I really need this much of my leftovers? No, because I don't know what I'm gonna do with them. And why do I spin so much yarn for a sweater? I guess because I don't know how much I'm going to need and I don't want to run out. Kelly 7:02 Well, actually, I would say that's true. I for me, that's true. Okay, so right now I'm knitting with with my handspun which I'll talk about this project later on, but I didn't have enough for a sweater. I'm always trying to do enough for a sweater but I didn't have enough so I had to spin up another color to make stripes. So I mean I think too, with your spinning, you're not... You're spinning the yarn to be spinning the yarn. Kelly 7:10 Yeah Marsha 7:24 Not spinning the yarn necessarily to make a sweater. Isnt' it true? Kelly 8:40 Right. Marsha 8:40 You talked about this before is that the fiber tells you what it wants to be. What type of yarn it wants to be. And you spin that yarn and then you figure out what project right? You're just...you're caught up in the, you know, you're spinning yarn, you're not thinking about what to make Kelly 10:26 Yeah, and the difference too, is like, you're spinning braids. Marsha 10:32 Mm hmm. Kelly 10:33 And I'm just spinning what comes off my drum carder. Marsha 10:36 Right. Kelly 10:37 And so you know, if you have a full fleece, and you just card and card and card, then you feel like you have to spin everything you carded. And that might be more than what you need for this sweater. So I am not complaining at all! I have a wealth... A wealth of yarn, including a wealth of my own handspun. But it was good to see for example, with the Rug Yarn, like, Okay, I have really some really nice Rug Yarn. But a lot of it is leftover from a wall hanging project that I did that was in greens and grays. Mostly. And so that's what I have most of-- green and gray. And then I have that and a little bit of Burgundy. And then I have the combo spin that I did. That's more blues. But it's all really super dark. And I think I need something light. Because otherwise the values are all going to be the same and whatever pattern I do in a rug, a punch needle piece, is gonna... you won't really see the pattern, I think. Marsha 11:47 So they're too dark to overdye another color. Kelly 11:50 Yes. Marsha 11:52 Okay. Kelly 11:53 In fact, a lot of them are dark gray overdyed. Dark green, dark gray overdyed with burgundy. Yeah, yeah, they're too dark to overdye. So I just--I need to spin more rug yarn in a lighter color. [laughing] Marsha 12:09 Okay. So I'm going to inject here with a few... Dr. Marsha has a few comments. I'm not a licensed therapist. No, as you say. So we... Marsha 12:22 Marsha I'm going to interrupt you. However, you are a licensed yarn stasher. Marsha 12:32 Yes,[laughing]... some of the yarn from your... the adult layette yarn? [laughing] All that leftover sweater yarn and whatnot. Can-- and I don't know what the weight of it is. It's pretty fine. It's not like it's worsted weight. But anyway, here's my point, can it be combined to be my go-to project, the garter squish blanket. It can be combined in some ways to make doubled up or added to... let me just back up. This is not how you have to do the garter squish. But the idea is you have one main color that goes through the whole blanket that's worsted weight. And then you have you keep changing out the other worsted weight yarn that you're carrying along with it to make the stripes or the pattern or whatever you decide to do. But it doesn't have to be that way. You know, right. So I don't know, if you have enough yarn that could be enough of a background color? Or, like my case where I didn't have enough yarn. There was sort of that camel colored yarn that I was using as the background. But I didn't have enough it in the same shade to do the whole thing. So we did a gradient. Do you have enough of the handspun that could be the background color? That maybe you overdye to make it more similar and do like a gradient? And then you know what I'm getting at? Kelly 13:59 Yeah, yeah, Marsha 14:00 just need to spin more yarn to well, to use up the sweater bits. Kelly 14:08 Yeah, that's an idea. Marsha 14:11 If you have a lot of the... Because didn't you say one sweater you have like three skeins leftover? Kelly 14:18 Something like that. Marsha 14:21 Can it be.. is that the sort of terracotta color for dark green forest? Kelly 14:27 Yeah, I have three skeins of that plus a ball, plus another skein that's undyed of the exact same yarn. Marsha 14:36 So even though you have say--you have three possibly four skeins of that yarn dyed that terracotta color, can you overdye it so make something? Now it's a pretty deep terracotta but can you make one like brown and one burgundy or something and then use those as the contrasting color for a background color. Kelly 14:59 You Yeah, that's a good idea. That's a really good idea. Marsha 15:05 Because you sent me a picture of all these bits. Kelly 15:11 You can put it in the show notes if you want. Marsha 15:14 I'm looking at...you have a lot of natural colored yarns that maybe you could just dye. Well and what is that? So, this is not good podcasting because people cannot see this picture. But the picture of the... there's a whole bunch of natural colored yarn. That's undyed. It looks like it's your handspun undyed which I don't know what the yarn is. Okay, so I'm looking at the picture that shows the right hand side of the sheet in the lower right hand corner. Kelly 15:41 Oh, uh huh. Marsha 15:43 I don't know how much is there. But if you could just take all those and you could maybe dye that if that's enough for your background color. Kelly 15:49 That might be. There are six skeins. The two balls in the front of that picture are bulky, so they won't work. But there are six skeins of the Oxford that I spun this summer and three skeins of the Columbia that I spun the summer before, I think in the summer spin-in. So there are six skeins there. They're roughly the same, they're three ply, roughly the same weight. And also they have the same kind of the same feel to them. They're not identical, but they would go together in a project. That's a really good idea I hadn't thought about a blanket of handspun Kelly 15:50 Well that garter squish is just a great way to use up a lot of yarn, because you're using it held double, even if it's worsted weight, you're holding it double. Right? Kelly 16:39 And, and people had mentioned, people had been mentioning that, you know, like, oh, that sounds fun. And I thought it sounded fun, too. But the thing I always thought was I don't have enough. I don't... that sounds funny. I don't have enough of the same kind of thing to be able to do it. But I do if I think about my handspun in using the sweater leftovers. Marsha 17:01 Mm hmm. Kelly 17:02 I do have enough, I think, Oh, that's interesting. Okay. Marsha 17:07 And then I'm, I'm going to... I bought a pattern. So it's Lily Scrap Blanket. Kelly 17:13 Oh, I'm going to look it up, too. Marsha 17:15 The Designer is Jen Peck. And it's like a chevron pattern. It's knit with fingering weight. And I don't know what all... I mean, this may not work that great. And so what you do is you basically take all of your sock weight scraps, and you just wind them into one big ball. Just randomly wind all the colors into a big giant ball. And you just loosely knot them together. So you can either-- you can put them together like with a long tail and then choose to weave them in. Or you can put just a loose knot. And so when you get to that point, you can take it apart and rotate it if you want, you know, spit splice it. And so I'm looking at the pattern because I actually printed this out and I've been gathering up my yarn. It's a free pattern. Kelly 18:01 Yeah, I'm looking at it right now takes about 1000 to 1400 yards. Marsha 18:07 Yeah, so it's a nice pattern, because it's all... it makes a chevron. And as I say, I have been ...all my socks scraps I've been saving to make this blanket. And then also I have skeins of yarn --sock weight yarn-- that I bought that I don't think I'm ever going to make socks out of it. And so I was thinking just breaking those apart and putting them into the blanket. Kelly 18:34 Right. Marsha 18:35 But anyway, that's another idea. I don't know if it's the right weight. But maybe, Kelly 18:42 yeah, yeah, actually, that would work. Because all of my handspun, I mean, it's the same-- the Targi lamb is heavier, but the rest of my handspun is all about the same weight. Mm hmm. That's an interesting idea. Or holding them double. And then in some places using just one skein of a heavier yarn. Marsha 19:06 Because you know, the other thing, too, is that this is... I don't even think that they have gauge. Yeah, it says gauge is not important for this product. So it wouldn't. So you could just take and you could figure out what your... if you have a heavier weight yarn, you could just figure out how many stitches to the inch you're getting and then figure out, you know, how wide you want? How many you would want to cast on? Well, you know, that whole conversation we've had about using up yarn for the garter squish. I mean, I think the same idea with this is that you're probably not locked into a certain weight of yarn. Right? You'd have to just figure out Kelly 19:41 how to make whatever you're using roughly the same. Marsha 19:44 Right. And then also, didn't somebody in our crochet along did a sort of Chevron shaped blanket and that's crocheted. Yeah, so that's another thought. Kelly 19:54 Yeah. Yeah, it's a really nice. The chevron pattern is a really nice kind of traditional crochet pattern. It reminds me of my grandma's. She made millions, millions of Afghans out of that pattern. Okay, well, that's cool. That gives me some ideas. Marsha 20:14 It's better than putting it in a compost pile. Kelly 20:16 Yes, exactly. Marsha 20:19 And and also, you're getting a new trailer, you might need a blanket for the trailer. Kelly 20:23 Well, that's, that is something that I thought of, too. Yeah. And I want to finish that quilt. That's another thing I dug out was my pieced quilt top. Marsha 20:34 Mm hmm. Kelly 20:35 I think I want to finish that quilt for the trailer. So we'll see. Yeah, that's a good idea. I did get inspired to make one more thing. Moving into my projects. Besides the two bears, I did get inspired. And I used up quite a bit of yarn that have been hanging around for a while to make a cat bed for Minnie. She had been sleeping on a sample woven piece, a narrow piece that I had, we had just folded and positioned it, but it kind of looked messy. And so I made a basket inspired by some of the people in our crochet along. I made a basket for her out of some various old yarns from the weaving room and the early 2000s when those felted bags were kind of popular. Marsha 21:31 Mm hmm. Kelly 21:33 And I had some leftovers from that. And one of the yarns-- I did call you about this, but I wanted to tell people about the yarn that had cow hair in it. I thought that was pretty cool. Marsha 21:45 Yeah, we were gonna talk about this. Kelly 21:47 Yeah. And I didn't I didn't put that in the show notes. But I'll just I'll just say that there was this one singles yarn from Sweden. That yeah, that was like 20% Cow hair. And you looked something up on it. It suggested that it was Highland cow. So that was very interesting. But the main point of this is I got rid of probably...Let's see... I got rid of two balls and three pretty close to full partial skeins. So that made a big dent. One of those little piles that was laying on the tablecloth is gone. Totally gone, because I used it in this cat bed. So that's nice. Marsha 22:38 That's very good. Yeah. Kelly 22:40 And then I felted it so it's sitting on the sitting on the porch right now. So that's a... besides the two Mother Bears that was another finished project. So I finished... Well, I finished the Pebblebrook Beanie that I was working on last time out of the Invictus club yarn. And then I finished the two Mother Bears and I finished the cat bed. So I've been crocheting up a storm during my vacation from school. So it's been really nice. Marsha 23:08 Nice. Yeah. Kelly 23:11 Oh, and then one other crochet project that I did as as a nod to our crochet along which we'll talk about our winners later in the episode. I'm going to be teaching in the classroom on campus this semester, as everyone knows. I'm so excited. And I'm going to have to wear a mask and the masks don't really fit my face very well. And the ear loops, I always have to shorten them. And I usually will shorten them with a little knot. I tried twisting them but that didn't work very well. I tried shortening them, the ear loops, with a little knot. And that works okay, but it makes my ears stick out. And I don't need my ears to stick out any more than they already do. So my vanity! And I saw this ear saver, it's called One Button Mask Ear Saver. And it actually holds for me, I put it going up over the, kind of, the top back of my head. Kind of like the actual N95 masks have two elastics one goes behind your neck and one goes over your head. Marsha 24:25 Mm hmm. Kelly 24:26 And so I use it like that. It connects to the ear pieces, but then it straps across my head. And it works great. And I got to use a button from my button stash. Marsha 24:37 Yay! Very nice. Kelly 24:38 Because you know it's adjustable. You close it with a button. I wore it while I unpacked boxes and threw away stuff. Again another organizing and throwing away project. I worked for about four hours. One day while I unpacked things in my office at school, and it it didn't slip off. It was comfortable. I didn't have that ear pain that you sometimes get from wearing the mask for too long and I didn't have to really adjust it or anything. So it was nice and I get a nice tight fit. It feels like wearing one of those you know the N 95. Because it's actually holding on from the back of my head. So anyway really nice. That was my last crochet--most recent crochet project so... That did not use any stash to speak of. It's a very small project-- took me about an hour, including sewing on the button. So and then I'm working on the pair of socks that I was talking about last time out of the Bob Ross happy little mistakes. And the other thing I got inspired to do... Now this is with leftovers, but I promise never to wear it at the same time as I wear the sweater. [laughing] The the yarn is again, Invictus yarn. It's the Yak Luxe that I used for my Rachel sweater. Marsha 26:08 Mm hmm. Kelly 26:09 And then that yarn that you got me. Marsha 26:12 Oh, right. Kelly 26:12 I can't remember what it was called. But it was anyway, it's all in kind of blue green. Marsha 26:18 It was the yarn from Iceland from Iceland. Kelly 26:21 Yeah. And so anyway, I saw those scraps were sitting there. Pretty significant amounts were leftover. And so I put them all in a knitting bag. And I'm making a Sock Head Hat to replace the Sock Head hat that I have that I have been wearing since 2015. Marsha 26:45 Mm hmm. Kelly 26:47 And it's so faded that it's pretty much unrecognizable--the difference between the outside and the inside of the yarn. So I'm almost to the to the crown decreases on a sock head hat. Marsha 27:02 Whoa, nice. Kelly 27:02 Yeah. So it'll be nice. This will be for you know, going on walks and stuff. Not to match my sweater. AlthoughI guess I could but I don't know. I don't know about that. Marsha 27:13 There's no crime in wearing it to match. Yeah, yeah. What a knitting fashion patrols going to come and arrest you? [laughing] Kelly 27:19 Well, we'll see. Yeah, after I've laughed so much about adult layettes. [laughing] Oh, dear. So yeah, that's my new start-- this sock head pattern. So that's... so I've got two things on the go, the socks and this Sock Head hat pattern. And all the rest of my stuff for this week is finished objects. Marsha 27:46 Yay. Very nice. Kelly 27:48 Yeah. As you say, though, it's still in my house. Actually, the Mother Bears are going and the beanie is going so those are all those are all to be sent away. I haven't done it yet. Marsha 28:04 Well, let me ask you, I'm just going to go back to the tossing of the stash. Because the other thing too, I guess I wanted to ask is, do you even want to-- do you want to make anything out of that yarn? I mean,... Kelly 28:19 The yarn I've already knit with... mm hmm yeah. I don't know. I don't know. I mean, I don't want it to not be knitted. Marsha 28:31 That's another possibility is pass it along to someone else. Kelly 28:34 Yeah, yeah. And let it be their problem Marsha 28:40 Well, it may not be their problem, it's spirit yarn, right? Kelly 28:43 Exactly. Marsha 28:44 I don't think so negatively. Kelly 28:46 That's true. It would be there it would Marsha 28:48 Someone might really want it. Kelly 28:50 It would be their... I don't know it always feels like a great find when you when you find a good spirit yarn so so yeah, it'd be someone else's great find. Marsha 29:01 I'm gonna just say something... This has absolutely nothing to do with knitting but about what other people value or want that we don't want. And I don't know if they have this in the rest of the country but here in Seattle there's this Buy Nothing. It's Buy Nothing and then fill in your neighborhood. And so I live in the Maple Leaf Neighborhood so it's Buy Nothing Maple Leaf. And you cannot sell anything. It's all stuff that you give away for free or you can ask for things. And so I've been posting up things you know, like I got rid of a toaster. Like things that were duplicates that I didn't need, you know, like combining households. So it's surprising to me sometimes the things that I thought actually people would want-- nothing. Crickets. So I just bring it to the goodwill and and then I've also had a problem--and I hope I have no Buy Nothing Maple Leaf listeners listening to this--but sometimes it's really difficult to get people to come I'm in a timely manner to pick things up. And so then it'll be like seven days, and then I'll text and they're like, Oh yeah, yeah. And then they never show up and so I just take it to the goodwill. But I had all those Styrofoam pellets that you use as packing material, and I had been saving it. Because with the new deck, my thought was I was going to put in the bottom half, fill half the pots... I have very heavy concrete pots that were going to go on the deck and so to reduce the weight, I've heard that you actually put in styrofoam pellets in the bottom of your pot. Not loose, but I had bought like a mesh bags that I was going to fill the pellets and put in the bottom of the pots. I ended up not doing that because I used smaller pots. The bigger pots went elsewhere. So I had... I think I had eight trash bags of pellets. Kelly 30:50 Oh man! Marsha 30:51 You can't get rid of that stuff. It just goes in the... it can't be recycled, it just goes in the garbage. Yeah, and so I went to to UPS stores and they wouldn't take it because they can't take it anymore because of the pandemic. I went to a UPS and FedEx store and they wouldn't take it and so I thought I'm just going to post it up on Buy Nothing Maple Leaf. And within 20 minutes a guy said, I think we can use that at work. Let me check with my boss. He checks with his boss and he comes and picks it up that evening. Kelly 31:23 Wow! Marsha 31:23 He comes by and he picks up eight bags of this stuff and I was like all this stuff like it's so weird the stuff that I think has value nobody wants but the stuff that has like it's actually a burden to me. Kelly 31:35 It's acually garbage! Marsha 31:36 It's actually a huge burden to me. It is literally garbage. Well I don't want it to be garbage but if I was to dispose of it I would be considered garbage. But I thought somebody can use it, I just can't find anybody.And he was so prompt he was the fastest of any of my Buy Nothing people. Kelly 31:54 [laughing] Oh my gosh! Marsha 31:55 One man's junk is another man's treasure. Okay, but moving on the the infamous Nanny Meyer tea cozy for Brian. I'm halfway done with the second side. I do a couple rows a dy Kelly 32:09 Oh, yay, Marsha 32:09 So I'm making progress on that. Still working on my socks, nothing to report there. I'm three quarters of the way done with the Quick Switch hat by Abby Knits. The one I'm making for Ben the yarn is Meeker Street Olives Outerwear DK. So I'm working on that intermittently. So I have kind of moved on. What I'm really sort of obsessed with now is this phrancko.com sweater. I don't know what to call it. I'm just calling it my Phrancko Designs sweater or the striped sweater for Ben. But this one I'm making for my son, Ben. And just to remind people, it's the handspun in a kind of a barberpole green and brown and then a solid, three ply Brown. And I talked about this in the last episode that I knew I had measured Ben and entered all the information into phrancko.com. And printed out my pattern. And I forgot last Saturday to join their group, I completely forgot. So I'm going to try... Every Saturday at 2:30 they have a Zoom call. And I'm going to try and join that again. This Saturday, I made a note to myself, because I forgot last Saturday but to show them my progress. But what I started, the reason I had spun the solid brown is I didn't have enough of the brown and green. So I'm just gonna call it the green. But I didn't have enough of that to do an entire sweater. So I spun the brown and the idea, I was gonna do stripes. So Kelly, you and I had a big conversation about this because I had joined under the arms. And at that point, I started-- I did one stripe before I joined under the arms and then joined under the arms and I knit another four brown stripes separated by.... So my was my stripe sequence was going to be three brown, excuse me, three rows of brown, six rows of green, three rows of brown, six rows of green, and I was going to do that all the way through the sweater. But after doing five repeats of that, I got concerned about how much yarn I was going to have. I didn't think I'd have enough green to finish the whole sweater and the arms and the collar and everything. So I called you and we had a really great conversation and of course, your go-to striping sequence, right, which is the Fibonacci sequence. Kelly 34:44 Go Fibonacci. Marsha 34:46 So I ripped back and Kelly how should we describe this? Well, you explain Fibonacci. Kelly 34:53 Okay. So the Fibonacci sequence. It starts with one and then the second number to the sequence is also one. And then the third number of the sequence is two, because if you add one and one, you get two. And then the next number in the sequence, you take the two and add it to the previous number, the one, and you get three. And then three plus two is five. And so each number in the sequence is the sum of the two numbers prior. And all of those numbers are called Fibonacci numbers. You don't have to use them in order. But I like to use them in order. And so you have your stripe, you're using them for your stripe sizes, right? So three rows, a three row stripe is one size. A five row stripe is another size. That's another Fibonacci number. The next Fibonacci would be three and five is eight. So an eight row stripe would be another Fibonacci number. And then eight and five is 13. And so that's another Fibonacci number. And they get bigger as they... the stripes get bigger as they go. Marsha 36:04 Right Kelly 36:05 Depending on how many stripes, you know how many stripes you want, and how you organize them. So so tell us what you're doing, Marsha. Marsha 36:14 So first, I'm going to say that the green is considered my main color. So every stripe, brown stripe is separated by six rows of green, that's going to be consistent through the sweater, right? Kelly 36:27 Yeah. Marsha 36:28 But then my brown, I'm doing four stripes of brown with three rows of brown. So a three row, brown stripe four times, then a five row brown stripe three times, and then an eight row stripe twice, then the plan is to do six rows of the green, and then my ribbing will be all in the brown. And so the next sequence should be 13 rows, which I think is going to be enough for my ribbing. That's what we talked about. Yeah, that makes sense to what I'm saying now. And I think this is all going to work out perfectly. Because if we add up all these rows, it's 97 rows, which will be about what I need. That plus the yoke equals about 21 and a half inches. Kelly 37:34 Perfect. Marsha 37:35 I'm sorry, I said that wrong. Those stripes sequence plus the yoke equals 19 and a half inches which is what I need for the body before I start the ribbing. And then the ribbing will be the extra two inches to make the body length the 21 and a half inches. And I hope I'm saying that in a way that makes sense to people, that people can understand. Kelly 37:54 Yeah, I think you did. Although I mean, I was there with you when you were working it out. Marsha 37:59 I know! Kelly 38:00 But I think it'll be nice, because you'll have, you'll have four small stripes, and then you'll have three medium sized stripes. And then you'll have two large stripes, and then you'll have one really large stripe in the ribbing. And so it's kind of getting heavier. You know, the weight of the dark brown is getting heavier as you go down. It's getting less frequent, but they're getting, but the stripes are getting wider. So I think it'll look really nice. I have never been... I have to say I have never been disappointed by Fibonacci. Marsha 38:33 So I have my little cheat sheet that I will take a picture of and put in the show notes. Kelly 38:40 Oh, good. Marsha 38:41 Yeah, visually what I'm doing, and I've checked off, you know what I've done so far, people will see what I'm doing. It'll be obvious, I think when you see, when I take a picture of it and post in the show notes. And then the plan is when I finished the body, I'm going to go back and do the collar next in the green. And then we're going to do I'm going to do another assessment of the, of the yarn supply and then we're gonna have to figure out stripes for the the sleeves. And I'm not sure if I will just... I only have a bit of a dilemma, because well, that's not exactly true. I guess the sleeves are about the length...Well, the sleeves are about the length of the entire body. So that means my stripe sequence is going to be a little bit different. Because the entire body of the finished sweater is 21 and a half inches. A part of that is solid green. Right? The sleeves are 21 and a half inches of stripes. Mm hmm. So we're going to have to do something there. There's going to be another phone call. [laughing] Kelly 39:53 Another consultation. Marsha 39:55 Yes, a consultation. But I have... Yes. So I will have to talk... I will actually talk to Dr.Locke who really is a doctor of mathematics. So to help me through this, and because the math will work, right? Kelly 40:11 Yeah. Yeah. So your only constraint for the sleeves is going to be how much yarn you have left. Marsha 40:19 Yes. And so Ben may get a short sleeve sweater. He may have what they call like a wrist... Kelly 40:33 bracelet length! Marsha 40:34 Bracelet length Kelly 40:39 Oh my gosh. Well, I think you'll have it. I mean, I think you'll have enough it's just a matter of how you how you can figure it. Yeah. Marsha 40:48 Actually, I'm sort of laughing because he might actually wear a bracelet length sweater because he was home last weekend. And I said, what he was wearing, I said it's so bizarre but it's kind of stylish in its own way. Kelly 41:08 Oh, yeah? Marsha 41:10 So he had on like long underwear or something. He'd gone for a bike ride so he had on like, I don't know if it was long underwear or leggings or something. I guess you wouldn't call it leggings for men but it's like some sort of warm pants like... I guess long underwear. Socks that are... like he has these Christmas socks you know those those acrylic socks that you can buy that have like designs on them? He had some Santa socks on his Teva sandals, cut-off shorts over it like those Carhart work pants that he'd cut off. That's over it. And then he's drawn with like, permanent marker all over them. And then where their are holes? He's sewn up the holes, hand stitched up holes, and then... [laughing] a hand knit a hat that I had made for him. Oh, no, it was the... I was think it was the one I made out of sock scraps. No, it was the very first handspun. I made a hat for him. And my handspun is like rope. Kelly 42:17 Oh yes. The five pound hat! Marsha 42:20 The five pound hat and it has no life to it at all. It does is just saying it's just like sits on his head like a bucket hat. Yeah. And then something on the top and I've completely lost track of what was on the top. But anyway, he looks kind of stylish in sort of a bizarre way. So maybe he might wear a bracelet length sleeve. Kelly 42:42 Oh my gosh. Yeah. Marsha 42:43 Anyway. Kelly 42:44 Well, they don't get in the way. You know? If you have your sleeves a little shorter. Marsha 42:49 So then my last project is the beanie, the Pebblebrook Beanie by Wish Upon a hook. And I started this using Little Sheep in the Big Woods. And so I was... I started this...was going to try and finish it for the crochet along. But sadly, after I ripped it out for the third time I thought I can't. I can't rip it out. I can't do it again. And so it was...now I had 24 hours. And I thought you know what, it's okay. Even though it's it's our... It's like my crochet along, like ours that we're doing as part of our podcast. I I can't do it. I couldn't do it again. So it's all right. Kelly 43:40 Yeah. Next time. Marsha 43:42 I don't know the thing about is I did really well on the the brim. I got that figured out. I did really well. I had to call you about picking up the stitches, I guess I would say to start the... I have to say I don't know how we ever learned to knit or crochet without YouTube because I watched tons of tutorials about how to make the bobble. We talked. And I'm just like these bobbles are not working right. And I still was doing them wrong. And then I ripped it out. We had a conversation I ripped it out I started again... like that's not right. So I ripped it out and like that's when I thought I can't start again. So... Kelly 44:22 Yeah, the thing about crochet. I like charts, this doesn't have a chart. I like charts because the thing I always found the most difficult about crochet is where... which hole do you put your hook in? Marsha 44:35 Yes, right. Kelly 44:36 It's a it's a fabric full of holes. And then you have to figure out which hole is the right hole to put the hook into for the, you know, for the next stitch. And I always found that to be really perplexing. Marsha 44:50 And so with mine, my Bobbles were stacking on top of each other because I was putting... I was picking the wrong whole. So my bobblrd just stacked on top of each other, and like, that doesn't look right. And because they're supposed to sort of nestle into each other, so it ends up sort of looking like basket weaving, right? Kelly 45:09 Yeah. Marsha 45:10 So anyway, I did take a class years ago on crochet. And I made-- I did make a shawl. Kelly 45:18 You made the virus shawl. Marsha 45:20 Yeah, I made that. But I, I'm not that familiar with crochet. Like I've been looking at like sweaters and stuff, but I don't even know how you get gauge. I don't know how you-- like the hat is not that critical, but like I don't really know enough about crochet to do a sweater for sure. I need to at least figure out how to do the hat before I would move on to a sweater right? No, there's some great patterns out there in crochet you know, so Kelly 45:52 Yeah, Marsha 45:52 beautiful things! Kelly 45:54 Those are interesting to me because I never thought of crochet really as garments. You know, growing up my grandma crocheted blankets. She crocheted doilies, she crocheted those modular bedspreads out of little tiny, small hexagon things. You know, with crochet thread. But crochet in a garment, excepted a garment for a doll, you know, doll clothes, was not something that I had ever thought of. So that was new to me when you know, as an adult, I came back to crochet. Yeah, yeah. Marsha 46:30 Yeah, cuz I had sort of this sense that crochet was not particularly fashionable, you know, But it is, I'm completely wrong on that. It's, there's some really, really nice patterns. And so I would like to know more about it, but I need a bit more hand holding. Kelly 46:45 And I, I, I don't feel like I'm super comfortable with crochet. And I especially didn't a few years ago when we first started having the crochet along. But I have to admit, I did a lot of crocheting growing up, you know, I mean, like making doll clothes and doll blankets and blankets for stuffed animals and giant long strips that I didn't, you know, have a purpose for. I know, there was a lot... I did a lot of crocheting as a kid. And so the learning part of it, I don't really remember. I didn't learn all the details, but the kind of the sort of basics, you know, the kind of basics of crochet and the language of croche, I don't remember learning it. I just have known for a really long time. So yeah, so I, you know, that it's, it's challenging. Marsha 47:39 I learned the just the basics, like how to chain stitch. I didn't even know what the names were. My great aunt showed me. But I don't know how to increase and decrease and yeah, you know, so I am interested, though, and what I would say... What I do like about crochet, and I've said this before, when we were having a conversation many years ago in the podcast about crochet, is you only have one live stitch. So if you do make a mistake, it's really easy to get back and get back on track. Because you're not having to, you know, knit back stitch by stitch or rip it all out and then pick up those stitches. It's very easy to correct anything. To rip back and get started again. But not under a crochet along deadline. Kelly 48:32 Right. Marsha 48:34 Anyway, so that's it for me for projects. All right. So Kelly, we need to talk about the crochet along. Kelly 48:42 Yeah, it just finished up a couple of days ago. And we have some prizes. So we had one thread for chatter and finished objects. We had 14 people participating in the discussion. And there were 20 projects that were linked. I'm not counting them up. I'm just... there at the top of the Ravelry thread it talks aboutit, so if you link your project it counts it. Nine patterns were linked, and 84 total posts. So lots of people had multiple projects in the in the crochet along so I think it was a success. Marsha 49:25 And we had some new people participating. Kelly 49:27 We did and that's always fun. I like when we have a different kind of along and end up with some people that we haven't seen in the threads before. So that was a nice thing to see. Marsha 49:39 So let's just say, we have four winners, and each has won a pattern of their choice up to $12. So Kelly, do you want to announce the winners? Kelly 49:51 Sure. And winners should just get in touch with I guess me and then let me know the pattern that you want. Our first winner is JoyLaine1, Joy. She made a basket that was partially my inspiration for... she and Natalie's baskets were my inspiration for making the cat basket when I saw that pile of orange yarn that I had when I did the tossing of the stash. So she's our first winner. And then we have Shelly, Purpledogwood. She's the one that made all of the pumpkin and Santa hats. Marsha 50:43 Yes, Kelly 50:43 That we talked about last time. And then our third winner, Misnim, Missy. She's the one who inspired me to make the ear savers. She posted about making the ear savers. And then that reminded me that I had saved that pattern for the one with the buttons long ago, and that I needed to get busy on that for for my, my school semester, this coming up. And then finally, our last winner is SuperKip, Natalie. And she made quite a few things. We talked about her baby toy. And she made a moses basket that she is using for yarn and made quite a few things. So those are our four winners. So Joy and Shelly and Missy and Natalie, message me on Ravelry or email me, Two Ewes at Two Ewes Fiber Adventures dot com. And let me know what pattern you'd like. You've won the pattern of your choice. Congratulations! Marsha 51:56 Yes. Congratulations. And thank you for participating. It's fun. Well, what do I know? It was not fun for me. [laughing] Kelly 52:08 I'm sorry. But I do think it's a cool hat. And I do think you know, Marsha 52:15 I did too. But another time. Let's not go.. let's not go back there, right.[laughing] But anyway, just laughing! Kelly 52:25 And then we still have our winter weave along going on. It started in October, but it will go through the end, through the end of March. Marsha 52:37 So Kelly, we need to talk about our next giveaway that we're doing. Yes. So this is going to be this is inspired by the tossing of the stash. Kelly 52:48 Yes, it is. Marsha 52:50 So one of the things that you found in your stash is I don't know how many years ago it was that I had acquired a whole bunch of cotton yarn, mercerized cotton yarn. And we did a big dye-A-thon when I was at your house one summer. And we still.you found that you still have this cotton yarn in your stash, some of it because you have made dish cloths out of a lot of it. But we still have quite a bit, several skeins, quite a bit. So it is inspired our next giveaway which is we're going to put a thread on the Ravelry, our Ravelry group and just let us know your favorite dish cloth pattern. And you'll be entered to win a skein of our hand dyed cotton yarn. Hand dyed by the Two Ewes. And you'll also receive a Two Ewes Fiber Adventures dish cloth pattern. And if you've never made a dish cloth, just tell us if you're a dish cloth newbie, if you just just check in on that in the thread, and then we'll have a drawing for a skein of our hand dyed cotton yarn and a dishcloth pattern. So we're recording this on January 13. So it'll be posting in the next couple of days. So it'll start as soon as you hear this and it ends February 28. So go into the thread and let us know your favorite dish cloth pattern and or if you're a newbie, and you may be one of the lucky winners! Kelly 54:37 And I am going to... I'm going to lower expectations just a little bit about the dish cloth pattern. Because okay, because it's mostly just a stitch pattern. I'm not a pattern designer. You know, it won't be tech edited. I'll just let you know how I started. You know, what size needles I use, what the stitch pattern is that I use, and how I bind it off. Marsha 55:08 Okay, so it'll be... so yes, we will lower the bar on the pattern! Kelly 55:14 It's not a professionally designed and tech edited pattern. It's the the kind of pattern that your that your grandma would pass alongto you. Marsha 55:26 Yeah. When you're sitting next to each other on the sofa, Kelly 55:29 I'll send it to you on a scrap of paper, on the back of a receipt.[laughing] Oh, I'm sorry, no, it will be-- I will write it nicely. But yeah, it's not an official like designer kind of pattern because I'm not a pattern designer. And then one other thing that I just have to disclose about this yarn if you win it. Some of them-- because it was our--we were experimenting with dyeing cotton. Some of them have quite a bit of bleeding happening. And so if you're doing your dishes, the first time, you may find that the water turns, whatever color the dish cloth is. But after you've done that, first, you know, after you've done that first round of dishes, I can verify. Or if you don't want to deal with that you can just toss it in the washing machine before you even use it. Marsha 56:25 But not with your whites! Kelly 56:26 But not with your whites, correct. Yeah, toss it into a colored load. And it'll be... it'll be fine. But I just... Marsha 56:33 We really have-- we really have lowered the bar on this contest. Kelly 56:37 Well, it is my destashing really, right? Marsha 56:42 Yeah. You will be helping Kelly out. [laughing] Kelly 56:45 Yes. You will be getting cast off yarn! Doesn't that sound good? [laughing] Actually, I have to say I do love the dish cloths made out of this yarn. They're kind of stiff and scrubby. Because it's a firm yarn, you know. So they work really well. And you will like them. If you win this and you make one of those dish cloths, I think you will like it. So Alright. And then the last thing, we have some listener feedback. I just wanted to... I just wanted to to talk about...Caroline in Somerset, Southwest England, suggested because we had said, you know, what would people like to hear on the podcast in the coming year? She suggested that people might like to hear about yarn stores around the world, and maybe a bit of the history of the yarn store or the history of the town that they're in. And she told us about a yarn shop called All About the Yarn, she says its on a cobbled street called Catherine Hill. And yes, it is a hill. And it's so called because hundreds of years ago, Catherine Hill, the street is called that because hundreds of years ago, there was a chapel called St. Catherine's. So she gave us a first little snippet of information about the yarn shop and the street that the yarn shop is on. But I thought that was a good idea. And so we may we may turn that into something for the for the new year. So thanks for the idea Catherine. And then Irena emailed and said that she was so glad to hear us back that she had had thought perhaps we might not be coming back. She knows a lot of the podcasts that she listens to have you know, sort of disbanded. And so she was really glad to hear us coming back. And she did say she loved it when Marsha would go on long trips. So I think that will be in the not near future. Kelly 56:47 Yes, my travel buddy Kim and I have had many conversations about where we go next. But we're not quite ready to get on a plane yet. We're not quite ready. I don't know, it will happen. Right? But not right away. Yeah, not right away. Kelly 59:14 Yeah. Yeah. But it was nice to hear. It was nice to hear that Irena was was waiting for us to come back. And I have to also give a shout out to Kent of Kent on Instagram because when we posted the last episode... It's so funny when you know the listeners have kind of inside jokes. Because he commented on the Instagram posts that it was good that we were... that our episode was up because he had been sitting and refreshing his podcast app over and over. That gave me... that gave me a laugh. And then finally, Anna said you know, cut yourself some slack. That was her message to us because we were talking about missing episodes. She said, During the pandemic you are my company, you made my frustrations okay and normal. She said, Of course, she likes all the, you know, travels and conferences and knitting event talk. But she also likes hearing the frustrations of teaching online, dogs, and the isolation that was what most folks were going through. So she says, you keep it real. You kept it real, gave me an outside contact and reinforced all that was essential and made me laugh. So that was really nice. Thank you, Anna, for that comment. And yeah, we do, we are cutting ourselves some slack for the the difficulties of the past couple of couple of years, and probably some difficulties going forward. But yeah, we'll keep sharing. You'll hear. You'll hear me whine. [laughing] Marsha 1:00:54 I am going to take a picture here. I'm sitting here at my desk thinking about the dogs. I am going to take a picture. I'm sitting at the desk recording, and I'm just going to take a picture of Enzo laying on the bed, and I'm going to post this in the show notes. Kelly 1:01:09 Oh good. Marsha 1:01:09 Yeah. He cracks me up. You know, I think it's a poodle thing. I'm turning away from the microphone. Now. I think it's a poodle thing that they lay on their... Maybe all dogs do it. But they lay... he lays on his back. And then he has his head like twisted all the way back down almost to his hips kind of it looks so uncomfortable. Kelly 1:01:29 yeah, it's not every dog. I think it must be a poodle thing. Marsha 1:01:34 Because they're so floppy. Yeah. And yeah, Kelly 1:01:37 None of my dogs have ever laid like that. Marsha 1:01:43 Yeah, he's so funny. Very. He's so floppy. Anyway. That's a dog story. Well, I thought I have to say I thought it was really very, it felt really good to know that people missed us because...Well, I wasn't really feeling guilty. Because it's like life gets... we just are busy in life, you know, the teaching thing and blah, blah, blah, all of that. But the fact that people were like, Well, where are they? Refreshing the app! There were many comments about like, you know, Oh, good! You finally posted! We were getting worried. So that was nice. And it's also it's nice that that we have been.. we're still in the middle of the pandemic...but that people have found us so enjoyable during the pandemic too. Kelly 1:02:29 Yeah, it's nice, it's very nice to hear! It is nice to hear that. That it's a bright spot, right, for people. Marsha 1:02:37 Yeah, yeah, we're giving people something. I don't know. I don't know exactly what we're giving them. But we're giving them something. [laughing] Kelly 1:02:43 Yeah, and it's a bright spot for us too, I mean, I always look forward to Marsha 1:02:47 Oh, yeah. Kelly 1:02:47 To getting on and talking to all of you. Marsha 1:02:53 Yeah. Kelly 1:02:54 And in fact, we have more to say, we have more in the show notes this episode than we actually did in the episode. And that's happened to us the last probably three times. So yeah, that we've recorded. So. Yeah. Marsha 1:03:10 Yeah. So. Okay. Anything I think we need to say? Kelly 1:03:14 I think that's it.Okay, I'm off to professional development for two hours. Marsha 1:03:22 Ah, in person or online? Kelly 1:03:24 Zoom. Yeah, okay. So I'm really not off. I'm off to the downstairs. First I have to get dressed. And then I have to appear on Zoom for a professional development day. Marsha 1:03:37 All right. Well, I'm gonna wake the dog up and take him for a walk. Kelly 1:03:42 Oh, my goodness. [laughing] Marsha 1:03:47 He needs some exercise because he's got his pandemic five that we still haven't gotten off. So we're working on that. So well, all right, Kelly. We'll talk. I'll let you go. I'll let you get to your your zoom call and we'll talk in two weeks. Both 1:04:03 Alrighty, bye. Kelly 1:04:06 Thank you so much for listening. To subscribe to the podcast visit Two Ewes Fiber Adventures dot com. Marsha 1:04:13 Join us on our adventures on Ravelry and Instagram. I am betterinmotion and Kelly is 1hundredprojects. Kelly 1:04:21 Until next time, we're the Two Ewes Both 1:04:24 doing our part for world fleece! Transcribed by https://otter.ai

TRANSCRIPT: I believe that heading into our Beyond Retirement phase of life is a great time to start taking a look at the people we're hanging around with, if we haven't done that already. EA said there are really 3 groups that a person can be categorized into based on their actions - there are Givers and there are Takers and as expected, they have different characteristics and they interact with us differently. The third group is made up of the Fence-Sitters, the folks who behave as either a Giver or a Taker, depending on whose company they're in. This group is by far the largest of the three, as you can imagine. I've been thinking about this a lot since our conversation, trying to figure out how to make it all make sense from a Beyond Retirement point of view. One of the ways EA defines the differences between Givers and Takers is in what they share with others. Givers bring wisdom, wealth and wellness to their relationships, while Takers bring defeatism, destruction and disruption to their relationships. Just going by those gifts (if you can call them that), I'd think it's pretty easy to see that you'd be gaining a lot more from a relationship with a Giver than with a Taker, regardless of what phase of life you're in. And as we travel the road Beyond Retirement, I think we're going to find that wisdom, wealth and wellness are concepts that we want to pursue, whether or not we've done so up to this point, because these are the concepts that are going to take us forward and bring us closer to the joy and fulfilment that we're looking for in this stage of life. So being able to figure out whether you're chatting with a Giver or a Taker is a pretty important skill to acquire, I'd say. The next thing EA mentioned is the idea that we should separate the people in our lives from their actions. Usually, we make a decision about a person based on what they say and do; we decide whether or not we like them because we either like or dislike their actions or words. But EA pointed out that we can like or love a person and not like or love what they're doing. He called this discernment. The Merriam-Webster dictionary defines discernment as “the quality of being able to grasp and comprehend what is obscure.” To grasp means to lay hold of with the mind and obscure means not known to most people; likely to be understood by only a few people; difficult or impossible to know completely and with certainty. So, the bottom line here is that developing the quality of discernment will probably set you apart from the majority of people and with this skill, you'll be able to really see people for who they are and figure out whether they're going to drain you or fill you up. And I think it's safe to say that by the time we get to the stage of life we're in, we aren't looking for people to drain us! Something I learned quite a while ago that's stuck with me is the idea that you become the average of the 5 people you spend the most time with. The idea here is that you start to think like these people and act like these people, so consequently your choices are similar, and you will eventually rise or fall to the level that is about midline of that group. Depending on the group you're in, you are someone's number 1 or number 5 too, and they'll be moving up or down to match where you are. All of this is quite subconscious, naturally, but the act of finding and maximizing the potential of your group should be no accident. Especially as you're going into the retirement years. You'll want to find people who share your interests and values, people who see things the way you do, because these are the people who are going to help you make the transition and create the best life you can have. So how do you find these people? I think the first step is to start examining the people you spend time with now. What are they doing? What are they saying they want to do in the future? Are they encouraging each other to strive for more or are they suggesting...

Sunday Morning Sermon with Pastor Mike Shoaf

The revival of Dexter: New Blood just finished it's season finale and fans of the popular Showtime series are torn once again on the ending. @PhilTheFilipino & @MrEricAlmighty go into FULL spoilers and talk about the season episode-by-episode. Looking for more Dexter content to binge? Go listen to previous episodes of Netflix & PHIL and Tirades & Hot Takes! You can also see other popular reviews that we have livestreamed in the past over on The Wait For It Podcast YouTube Page.

WELCOME BACK!!Herb had a good idea (no, seriously...he did!!!) He suggested a call-in advice show. They're sweeping the nation! His buddy in St. Louis had all kinds of great stories about great ratings, winning timeslots...how could they NOT??Finding the right host proves to be a challenge. Depending on how you count it up, it took them either five and a half months or a full year to find the perfect advice lady...her name is Arlene. Once they've found her, it only takes a day or two for "Ask Arlene" to be up and running on the station.The day of the big launch, Arlene has a bit of a mishap involving three Valium. Jennifer steps up as "Arlene" to answer caller questions. Wow, Ms. Marlowe is GOOD at this!! She winds up taking calls for...oh, who really knows how long? It's a while, we know that. Everything is fun and games until one of Jennifer's bits of advice may have gotten someone hurt.It's a fun show with a big message. Curl up with the phone and give us a call...we'd be glad to tell you what to do!! First thing you should do right now: push "play"!!WATCH ALONG DETAILS...[Want to watch along with us? It's a blast!! We highly recommend the 'Shout Factory' boxed DVD set of the entire WKRP series. For reasons you'll have to listen to in the "Prolog"  episode, all streaming versions of the original "WKRP in Cincinnati" have had the original music cues removed. Generic music beds and stings were used in place of the original music for the syndicated version of the series. 'Shout Factory' has been able to restore an estimated 85% of all WKRP music cues to the original "as-aired" content for their DVD release. They've also restored scenes that had been cut to shorten episodes for syndication. The original eps ran 25 minutes. The syndication eps were shortened to 22 minutes. Over 88 episodes that's more than four hours of lost content, including the performance by "Detective" at the end of "Hoodlum Rock." Get the COMPLETE series...get the Shout Factory DVDs. The Shout Factory complete series box has a release date of 2014. All individual seasons of Shout Factory disks were released starting in 2015.]The WKRP-Cast is a weekly re-watch podcast spending time with the original "WKRP in Cincinnati" which aired from 1978-82. New episodes every Tuesday. Subscribe wherever you get your podcasts. 

Felice from Action Packed Travel asks, "How can I monetize my podcast without doing ads or affiliate promotions?"Ads and affiliates are two popular ways to monetize your podcast, but that doesn't mean they are always the best strategy. Depending on how large your audience is and the payouts offered by the affiliates you choose, you might be better off trying something else.So in this episode, we'll share our three favorite ways to generate revenue from your podcast without running ads and affiliate links.Links from this episode:Big CartelPatreonBuzzsprout's Support Show LinkRecord your podcasting question at Speakpipe.com/Buzzsprout to be featured on a future episode.

How A Former Microsoft Exec Mastered The Perfect Slice—Using Science Who doesn't love pizza? It's a magical combination of sauce, cheese, crust, and maybe even a topping or two. Depending on where you eat it, the ratio of sauce and cheese and toppings changes: Neapolitan, NY Style, and Chicago Deep Dish each have a slightly different recipe. And different methods of baking impart their signature flavor on the end result—whether that's coal, wood, or gas-fired ovens. Nearly every country in the world has some type of variation on the classic. Author Nathan Myhrvold visited over 250 pizzerias all over the world to appreciate their differences. Then he made over 12,000 pizzas, using physics and chemistry to tweak each one slightly. Myhrvold and his co-author, chef Francisco Migoya wrote all about the gourmand experiment in a three-volume, 35-pound set of beautifully illustrated and painstakingly researched books. Ira talks with Nathan Myhrvold, former CTO at Microsoft, founder of Intellectual Ventures and Modernist Cuisine about his discoveries and his most recent book, Modernist Pizza. E.O. Wilson's Indelible Mark On Ecology Ecologist and ant biologist Edward O. Wilson (often called E. O. Wilson) died December 26, at the age of 92. Though he was known for his study of ants and their social behavior, his impact extended much further—from sociobiology, the study of the influence of genetics on behavior, to the way science was taught and understood. His writing twice won the Pulitzer Prize. Wilson appeared on Science Friday many times. In this short remembrance of Wilson, Ira replays selections from past conversations with the scientist, recorded between 2006 and 2013.   The Fossil—And Family—Records Of Richard Leakey Paleoanthropologist Richard Leakey died on January 2 at the age of 77. The Kenyan conservationist and fossil hunter was the son of paleoanthropologists Louis and Mary Leakey, who helped redefine the early parts of the human family tree. Richard was part of the team that discovered ‘Turkana Boy,' a Homo erectus skeleton—one of the most complete early hominin skeletons ever found. In later years, he was the director of the National Museum of Kenya, the head of the Kenya Wildlife Service, helped found a political party, and led the Kenyan Civil Service in the midst of an anti-corruption campaign. In this edited interview from 2011, Leakey describes his work in the field, his famous fossil-hunting lineage, and his desire to convince skeptics of the reality of human evolution.  

Many people want to start investing in real estate but don't know where to start. Wholesaling is by far the best way to get started. It requires no training, knowledge, cash, credit, or experience. It is okay to make mistakes in wholesaling, but it is also crucial to be aware of those stumble downs. You don't need to be an expert, but you need to pay attention, follow through, and execute the steps below. Depending on how much time and effort you can put into wholesaling, you could quite possibly leave your current job and become a full-time wholesaler if you choose to. Of course, the more experience you gain, the easier it will be for you, the more streamlined the process will become for you, and the more deals you will close! In this episode, we are joined by our guest Alan Whitworth as he shares his journey towards closing $3,000,000 in assignment fees and how he did it as a first-time wholesaler with no experience. The wholesaling tips and tricks continue in this discussion. RESOURCES: Eat that Frog by Brian Tracy Wholesaling Business Blueprint

Today we're chatting about how and why you should to put yourself first as a former college athlete.Today's Scout:- Name: Sydney Umeri (the host)- College: University of Virginia & University of Kansas- Sport: BasketballHousekeeping:- Website: www.retiredcollegeathletes.com- Instagram: @retiredcollegeathletes- Facebook: Retired College Athletes- YouTube: Retired College Athletes- Twitter: @RCAathletes- Email: retiredcollegeathletes@gmail.com- Patreon - If you love RCA and want to give financially to support the podcast you can do so through Patreon. Depending on what tier you give, you will receive exclusive content as a thank you for supporting us.

Watch this episode on YouTube: http://YouTube.com/YouMeCapriSupport the show on Patreon: http://pateron.com/YouMeCapriJoin the Free Discord: https://discord.gg/zN4cZbA Follow us on Twitter: http://twitter.com/youmecaprisFollow us on Instagram: http://instagram.com/youmecaprisIf you enjoy the show and want to support what we do, PLUS, get some incredible perks and exclusive content - please consider supporting us at http://patreon.com/YouMeCapriThe Xbox Drive Episode 221 ShownotesShow Notes:The Xbox Drive is back with Episode 221. This week Sean played Hot Wheels Unleashed. Ryan played Mass Effect Legendary Edition.Cleaning the GarageIf you like what we do, support the Show.Subscribe to http://YouTube.com/YouMeCapriYou can get early access and exclusive content at http://Patreon.com/YouMeCapriThank you and Welcome New and Upgrading Patrons: Yarden, TechMike, AwesomeDave, and SkinnyMatt!The PlaylistRyan: Mass Effect Legendary EditionSean: Hot Wheels Unleashed, FuriBraking NewsThe following games are coming to Game Pass:GorogoaOlijaThe PedestrianEmbrMass Effect Legendary EditionBrent Robinson @Okotokslawyer - Will this come to GamePass via EA Play? And when do you think that will be?The Outer WildsSpelunky 2 - January 13thThe Anacrusis - January 13thRainbow Six Extraction - January 20thRainbow Six Siege (PC) - January 20thThe following games are leaving Game Pass on January 15th:Desperados IIIGhost of a TaleKingdom Hearts IIIMount & Blade: WarbandPandemicYiik: A Postmodern RPGPUBG (leaving Game Pass to become free to play on January 12th)https://news.xbox.com/en-us/2022/01/04/coming-soon-to-xbox-game-pass-january-2022/Ubisoft have announced that Ubisoft+ is coming to Xbox platforms sometime this year. This was confirmed to NOT be part of Game Pass and was only confirmed for the Xbox platform, more details will arrive at a later date.https://news.ubisoft.com/en-us/article/6swN56EyVYT97D6r1sFwZECruise Control - Topic of the Week: Xbox 2022 Predictions!Court Lalonde @courtlalonde - I predict we get an announcement from Machine Games on what they have been working on that is not Indy and it comes out this year. Also, a new Jedi Fallen Order will be announcedTyler Kopp @acidtk03 - Depending on when Tango Gameworks releases Ghost Wire Tokyo they will announce later in the year their next game. The Evil Within 3 would be great!Dave Harp @daveharp - Not-So-Bold Prediction: Xbox Live Gold will either be folded into GamePass or just go away completelyNick Fitkin @NickRahl - FF7Remake finally comes to Xbox day 1 gamepass at E3 where they announce FF7Remake part 2.Kevin Ainsworth @TheMuff1nMon - This is the year: BANJO-KAZOOIE FINALLY RETURNS. A brand new game staring my boy will be announced at E3.WTNAndrewSquare reveals FF7R is out now (E3) and on GamePass day .New Halo single player content teased in February using multiplayer to seed what it is.Gears 6 announced and coming 2023 .New Xbox “console” revealed, but it's just for Xcloud and is like a fire stick that comes with an Xbox controllerMarvel reveals Xbox exclusive Hulk game developed by an MS studiohambone jonnya new tier to Gamepass featuring Ubisoft gamesofficial Series X/S themed skins to customize your consolea Banjo Kazooie tower defense gameTruckerSlothWe get an announcement for a new full powered box, all digital (14 year old man child in me hopes they label it Series E)I believe they will drip feed Halo campaign content a little bit each quarter. Tiny bits of story slowly building up over the year to a big drop and leading into another biome, hopefully next Holiday season.They do a bunch of work to the servers and being able to play via the cloud expands and gets much better throughout the year with some new hardware to go along with that.Hoping for a bit of an update on my second fav series, The Outer Worlds. Nothing major, maybe a plot line teaser.Xbox fades out Xbox live gold in favor of just Gamepass UltimateSean and Ryan get invited to E3 as guests of Xbox and get to rub elbows with all the other big wigs in the industry.PlugsiTunes: https://goo.gl/CMv4frSpotify: https://goo.gl/Vh4DH4YouTube: https://www.youtube.com/youmecapriSean:http://twitter.com/seancaprihttp://twitch.tv/seancaprihttp://patreon.com/youmecapriRyan:http://twitter.com/ryanturfordhttp://youtube.com/ryanturfordhttp://twitch.tv/ryanturford

Many people don't think about food racism, but the diet world can be a big contributor to making what we buy and how we eat a classist issue. As we scour the online world for recipes under whatever diet we follow, it's easy to assume that everyone has access to the ingredients so often found. But what happens to people that struggle to obtain those foods? Maya Feller, MS, RD, CDN of Brooklyn-based Maya Feller Nutrition is a registered dietitian nutritionist, nationally recognized nutrition expert and adjunct professor at New York University. In her practice, she provides medical nutrition therapy for the management of and risk reduction of non-communicable diseases. Maya received her Masters of Science in clinical nutrition at New York University, where she is adjunct faculty. Whether addressing the nation or working one on one and with groups, Maya believes in providing nutrition education from an antibias patient-centered, culturally sensitive approach. Maya is dedicated to promoting nutrition education that helps the public to make informed food choices that support health and longevity. Maya shares her approachable, real food-based solutions to millions of people through regular speaking engagements, writing in local and national publications, via her social media account on Instagram, @mayafellerRD, and as a national nutrition expert on Good Morning America, GMA3: What You Need to Know and more. She is the author of The Southern Comfort Food Diabetes Cookbook: Over 100 Recipes for a Healthy Life. Inequality in The Wellness Space As a whole, the wellness space struggles when it comes to being a welcome and accessible space to all people. Because of the "look" portrayed, many don't feel represented and therefore they don't believe it is a space they belong in. But we need to radicalize this space so that it feels more inclusive. This isn't easy as the issues run deep. A few things we can do to help make change are: Share others in the wellness space that come from all cultures.Share accounts with people who range in size, ability and ethnicity.Recognize your implicit bias and when working with clients don't make assumptions about their diet based on their culture or size. Allow clients to be a part of the process from the beginning.Recognize that foods aren't bad and good, and all foods can have a place in someones diet if planned correctly.Open space to talk about things that may make you uncomfortable. This issue is seen across diets, whether it's veganism or medical centered diet's like the Mediterranean and DASH diet. The research shows great gains when following these diets so at the core they are great, however they don't translate to race and ethnicity for people that don't eat in those ways. The bottom line is that there is not just one path to health. There are many ways to reach health goals that can honor the person as a whole. It is possible to support a diagnosed condition with a diet that includes cultural foods. Food Accessibility When it comes to wellness, there is an underlying assumption that it needs to be expensive and fit a certain theme. But not only is this not true, it also doesn't recognize that not everyone has access to the same foods. Depending on where someone lives, whether they have a car, what hours they work and many more other factors, being able to shop for, afford and even find things like fresh produce, specialty ingredients, grains, etc may not happen. But there are ways to help clients and readers with food accessibility and make wellness more accessible: Help share ways to look at food costs and determine where people can get the best deals.Encourage eating a combination of fresh foods and prepared foods, including those that are pre cut, canned or frozen to balance time and cost.Help make diet plans that will be sustainable long term. Keeping social determinants of health in mind when sharing wellness ideas and pract...

Good Morning from Elvis Duran and The Morning Show. The show talked about the altercation Jason Derulo got into while in Vegas BUT why was Usher involved? Depending where you are it's either about ICE storms or nice and warm. We found a new Instagram account to follow, Hot Squirrel guy. We catch up with our friend, Rob Shuter about all things gossip and his book 'The 4 Word Answer'. New year, new family feud! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

How To Retire Early (If you want to)   He everyone this is Dan with Wise Money Tools –   First off hit that like and subscribe button, lots of good videos coming!   I would guess if you asked 1000 people why the save or invest 999 of them would answer “to retire someday.”   Most financial planning revolves around retirement.   However, ask those same 1000 people and very few would know how much they need to save or how much income they will need.   Most financial planners will use the 80% rule.   This rule suggests that you will need to generate at 80% of your current salary at retirement in order to have your same standard of living.   So, if you're making 100,000 a year, you need 80,000 during retirement.   The idea is by then your kids are gone, you no longer have a house payment, and so you can live on less.   Let me first say that I really don't like the idea that you're going to take a pay cut.   In fact, you've worked hard your whole life, maybe it's time for a pay raise! Right?   And what about keeping up with inflation or the cost of living.   If you take a reduction in income, and your expenses continue to rise, is that a comfortable retirement?   Then you have some gurus telling you to shove all your extra money into paying off your home.   Sure, it may reduce your expenses if you don't have a house payment, but what's the trade off?   You may have 500,000, a million, two million tied up into a home that can't produce income.   Always remember, a home although it might turn out to be a good investment, is actually a liability because it produces no income.   You'll get equity appreciation, hopefully, but it's dead equity.   It won't help provide income.   Then you hear about passive income.   Passive meaning you don't have to do anything. You don't have to work for it, you don't have to spend time managing it, it's passive.   Your money simply sends you income each month or year.   We all want passive income at some point.   In order to get passive income, you need to have your money invested or saved in a location where it's growing and sending you some of that growth for you to spend.   You're not as interested in your money growing and building a bigger pile of dough.   You want your money to produce income.   I call passive income the golden goose.   Each month that goose lays more golden eggs and you can cash in those eggs.   Then the next month, here comes more golden eggs.   Now, here's where the challenge lies.   After talking with thousands of people, there seems to be a common theme with their questions.   The 6 main questions go something like this:   Where can you put it so that its safe? We call this “no risk.”   No one likes losing money and the closer to retirement the more devastating losses will be.   Where can you put it where it grows so I'm building assets for retirement?   We call this the “Reward” for investing. If we're going to invest, we want a competitive rate of return.   Where can you put it where you can have access to it?   We call this “liquidity or accessibility.” We neve­­­­r know when we may need funds for emergencies or opportunities.   Where can you put it, so that is produces passive income?   We call this “lifestyle” being able to keep your same lifestyle because your income is at least what you were making while working.   This is kind of the overall objective, right? Being able to get income that will last the rest of your life.   And then finally, if you want to leave something behind for your heirs, how will all that work?   This is called the “legacy” leaving behind assets instead of liabilities.   And finally, number 6.   How to reduce income taxes so that you can spend more. Is it possible to live a tax-free retirement?   So, when you're deciding on an investment strategy, how does it stand up the test?   Risk Reward Liquidity Lifestyle Legacy Tax-Free   Let's think about what every traditional financial advisor will recommend and see if it passes the test?   Let's look at the safe fixed assets first.   This includes, fixed annuities, CDs, Savings, Treasury Bonds, high grade corporate bonds, and municipal bonds.   Risk, no they are typically insured or guaranteed.   Reward, nope, very low returns. Sadly, the returns are not even keeping up with inflation right now. That means every year your cost of living goes, and the returns can't keep up.   Liquidity – you typically don't use them for liquidity as there could be penalties, however you could sell or surrender them in a pinch.   Lifestyle – right now with these low interest rates no one could really live off the income or returns they produce.   A million dollars in a CD at 1% would pay you $10,000 a year before tax.   Hardly a positive lifestyle changer.   Legacy – you can leave your bonds and bank accounts behind, as long as you didn't have to spend it all so that you could survive during your lifetime.   Tax Free – Annuities, banks accounts, and most bonds are taxable.   Municipal Bonds are tax-free, but still could be subject to state taxes depending on where they were issued.   Even without tax, the income is still very low to depend on for income.   So, you're not going to get too far with fixed income products.   Next let's look at one of the favorite investments for financial planner and that is, Mutual funds.   Risk, yes there is risk, in fact you take all the risk.   Reward? You hope so, I mean your risking your money.   Mutual funds after accounting for volatility and fees they end up on average at about 8%.   Then subtract taxes and you'll be at 5-6%.   Is risking all your money worth 5-6%?   Liquidity – Yes, you can sell your funds, unless they are in a retirement plan, but you'll sell them at the current market, might be up, might be down, and then you'll pay taxes, and finally you'll give up all future rewards.   The reality, they aren't made for liquidity.   When it comes to lifestyle and income, you may be able to pull off income from the funds.   But again, you take the risk. What if you take out income, and the market drops 20% in a given year?   That is a double whammy! You may run out of money faster than you thought.   This is why Wall Street uses the 4% rule. You should not take more than 4% out of your mutual funds each year or you may run out of money before you run out of life. Next, when you die, you can leave your mutual funds for your heirs.   They may have to go through probate, and hopefully you won't die just as the market tanks.   And finally, are the tax-free?   The growth, dividends, and income are taxable. So, depending on your tax bracket that could take off 2-4% from your return each year.   The last one we'll look at is real estate.   Because there is so many ways to get involved in RE, from being a lender, an investor, a landlord, a builder, a flipper and so forth, let's look at having passive real estate into a real estate fund as an investor.   Typical real estate funds or Real estate investment trusts, called REITs, are popular with financial advisors.   These are typically done through hedge funds or partnerships.   So lets apply the test:   Risk? Yes, there is risk, you take all of it. Real estate typically will have some value and depending on the asset may take much of the risk off the table.   Reward – there could be a reward. Depending on management, properties, the economy, and fees, the successful syndicated real estate partnership will return around 8-12%.   Liquidity – not really at all. Some programs offer a buy out at some point, but that typically is not an attractive solution to needing your money.   Lifestyle – the returns if consistent and in a good property could produce income.   The issue becomes how long the program will last; in other words, how long will you get income.   And then the economy and the market, could the income be cut off in down market?   You really must study the program and what they are investing in.   Next, can you leave a legacy. Yes, the asset can be passed with potential probate and tax issues to deal with. Your heirs may not be able to liquidate it either.   And lastly – tax free. There is typically some decent write offs and deprecation with real estate which gives tax advantages early one.   However, at some point the income and any growth could be taxable.   Okay, so that's a good start – lets end with using Leveraged Life Insurance.   This is a strategy that your traditional financial advisor has no access to nor knows it exits.   We're running time constraints, so I'll lightly touch on the 6 keys.   First, risk. All the assets are safe, and even guaranteed. You don't have to worry about markets and crashes inside a highly rated insurance company.   Next, how about reward? Well, if you use our leveraging strategy, it's not uncommon to get double digit returns over time.   In fact, higher than your typical mutual funds, where you risk all your money.   How about liquidity? Yes, you can access your capital for emergencies or opportunities, and by using the “loan” feature, your money can continue to grow and compound even when you are in need and using it.   Next is leaving a legacy. Nothing is better for a legacy than life insurance. You'll leave substantially more death benefit than the amount you invested and all the growth and income.   There really is nothing like it for your estate.   Finally – if you do this right, the growth, the income, and the legacy can all be tax-free!   Think about your money growing tax free, then living off passive income, tax-free, then leaving behind more than your asset is worth all tax-free as well.   Alight, glad you stuck with me.   So, whenever you are thinking about retirement or maybe taking about it at work with colleagues, now you know   You can get double digit returns, Keep your money safe Keep it liquid Create substantial passive income Leave a legacy for your family And do it all tax free!   If you want to see how it might work in your situation,   Click below on the link Dansgifts and there you'll get more information.   You can even schedule a strategy session and we can talk about your situation, it's certainly worth exploring.   That's if for this video – don't forget to like and subscribe so you never miss a video   Until next week –   Take care!

@PhilTheFilipino & @MrEricAlmighty had their hands full last year with how much amazing content there was in entertainment and gaming (as discussed in our End of Year Awards). With 2022 showing no signs of slowing down, we kick off the new year with a very special guest to take a look at all the exciting games, movies, and shows that are coming down the pipeline. Andrew is one of the podcast hosts over at Your Friendly Neighborhood Gamers. He's also had a ton of great episodes in the past over at Level Playing Field Gaming. Consider checking both shows out and giving him your support! Looking for more content to binge? Make sure to check out The Wait For It Podcast YouTube Page!

A few times a year, the radio grim reaper makes its rounds and kills off another round of talented people. Depending on the sociopathic behaviour of the company who executes the plan, it is described as "dislocation" or "restructuring". To those that are on the receiving end, it feels more like a mob-hit. Mary Anne Ivison was let go in February of 2021, and spent the rest of the year pivoting away from the profession that was her livelihood for 12 years.In this episode, you will hear how the Tilbury, Ontario native got her start in radio, listened to Dave and Chuck the Freak in Windsor and later WRIF across the river. Also how she wound up falling in love with Ottawa where she worked on Country radio at Rogers and Bell. We will also discuss what lies ahead in the world of voiceover and why she is doubling down on audio.Thanks to our sponsors!PromosuiteJustin Dove at Core Image StudiosMegatraxSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Meet our guest in this episode, Dr. Sanjay Prasad, a Surgeon and the CEO SurgiQuality/SurgiConnect. His goal is to help patients connect with the best surgeons for their condition, within their network. Realizing that surgical quality varies from place to place without any tools for patients to navigate, inspired the creation of his company. In this episode, Dr. Sanjay discusses the inability of patients to assess the quality of surgical care they can expect, and how his business tackles the different aspects of this problem. Top Takeaways [05:57] Some points of failure in your life give you such momentum that you never want to fail again. This perseverance through failure is greatly amplified by a passion for what you do. [09:21] Patients need quality transparency, in other words, the quality metrics for each procedure for every surgeon in a hospital. [12:30] Creating a platform where surgical cases can be reviewed by other surgeons has had a tremendous impact in lowering the rate of unnecessary surgeries, which also lowers premiums paid for malpractice. [16:04] Best 'Aha' moment: This was the realization of the wide price difference between different surgical centers while there was a coexisting lack of any means to navigate through the differences in quality between these centers, and how this confirmed an opportunity for business while helping patients. [19:13] Ongoing changes in the healthcare industry: Following the pandemic, a lot of cases were put on hold and patients started to pay more attention to the health risk of going to a surgical facility. This is a great time to reset healthcare. Dr. Sanjay's book "Resetting Healthcare Post Covid-19 Pandemic" is written for the patients based on this. [22:15] Surgery centers and other institutions will have to consider other parameters before giving privileges to surgeons, particularly their past outcomes. [24:18] It is vital to keep up with the latest technologies and information in surgical practice. [25:16] Best career advice: "Follow your passion" [26:28] Statistically, Black patients tend to have a poorer surgical outcome than white patients. [29:26] It helps to always note ideas down whenever you get them, so you don't forget. [30:34] Website recommendation: Pubmed, American Journal of Medicine [31:42] Countermeasures and awareness need to be created to address the issue of racial disparity with various procedures, hopefully, to cause behavior modification. [32:50] Book recommendation: “Resetting Healthcare Post Covid-19 Pandemic" by Dr. Sanjay Prasad. Find out more about the book on the Resetting Healthcare website. [35:16] Dr. Sanjay's message to himself 10 years in the past would be to identify ways to engage the masses to change the system for the better. To himself in the future, he would ask, "what did you leave behind?" Key Quotes: "Know before you go" "I think you're so lucky if you can find what it is that you love to do, and passion to do, and have an opportunity to do it" "Depending on specialty, 15-30% of procedures that are being performed today are unnecessary" "You've got to seek happiness, and to seek happiness you have to follow your passion" Connect: Find | Dr. Sanjay Prasad LinkedIn – Dr. Sanjay Prasad Email - info@surgiquality.com Website – www.surgiquality.com --- Send in a voice message: https://anchor.fm/healthcarequalitycast/message

What does it look like when two Enneagram 3s become partners in business, marriage or both? As you might expect, they get sh*t done, setting goals and taking action on them right away.But just because two people share the same Enneagram type doesn't mean they have exactly the same strengths. Depending on their instinctual subtypes, a couple of Competitive Achievers may behave very differently.That is certainly true of Courtney and Michael Weaver, Cofounders and Co-CEOs of Weaver Sales Academy, one of the country's top sales training and coaching practices for insurance professionals and their agency teams. The Weavers know they are better together, leveraging their strengths to build multiple million-dollar businesses—and help other business owners and entrepreneurs do the same.On this episode of The Leadership Formula, we explore what differentiates a self-preservation 3 like Michael from a social 3 like Courtney, explaining why it's more challenging for Courtney to stretch into the Enneagram 3's growth number 6.We discuss why 3s tend to move the goal line and describe how Courtney and Michael use their wings to honor their soul line, setting goals based on the legacy they want to leave.Listen in to understand how Courtney and Michael make time for what matters most and get their advice on how to hold space for the Enneagram 3s you love and lead. What You Will Learn How Courtney & Michael met at the gym and the energy they felt from each other right awayWhat inspired Courtney & Michael to build a business together in the insurance spaceHow Courtney operates on instinct while Michael lives in the thinking center of expressionWhy 3s tend to move the goal line when painful circumstances come up What differentiates a self-preservation 3 like Michael from a social 3 like CourtneyHow Courtney & Michael use their 2 and 4 wings to honor their soul line as well as their goal lineHow Courtney declares a Snow Day when she needs to recharge (and why it took her so long to share this with Michael)Why it's more challenging for Courtney to stretch into the 3's growth number 6 than it is for MichaelWhat Courtney & Michael are doing to counter their image-consciousness and workaholismCourtney & Michael's advice on how to hold space for the Enneagram 3s you love and leadConnect with Courtney & Michaelhttps://www.weaversa.com/https://www.instagram.com/courtneyvie/https://www.instagram.com/_michaelweaver_/Connect with Tracytracyomalley.comwww.instagram.com/tracy_omalleywww.facebook.com/tracy.omalleytwitter.com/TracyOMallwww.linkedin.com/in/tracy-o-malley/ResourcesBook an Enneagram Typing Session:http://tracyomalley.com/workwithme/75 Hard:https://andyfrisella.com/pages/75hard-infoTony Robbins:https://tonyrobbins.com/

Show #1330 If you get any value from this podcast please consider supporting my work on Patreon. Plus all Patreon supporters get their own unique ad-free podcast feed. Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Tuesday 4th January. It's Martyn Lee here and I go through every EV story so you don't have to. Thank you to MYEV.com for helping make this show, they've built the first marketplace specifically for Electric Vehicles. It's a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too. WILL TESLA SELL OVER 1.5 MILLION ELECTRIC CARS IN 2022? - The starting point is over 936,000 in 2021. Assuming that the rate of 300,000+ units per quarter would be maintained for all of 2022, the company would be at 1.2 million total. - In terms of new plants, according to the latest reports, Tesla Giga Austin in Texas should start production soon, and Tesla Giga Berlin in Grünheide near Berlin, Germany also appears ready to start production. - If those two new plants would add 300,000 together, with a maintained rate from Q4 by the plants in California and China, the total would then exceed 1.5 million. That's 600,000 additional BEVs in a year. Original Source : https://insideevs.com/news/558267/tesla-ev-sales-2022-forecast/ 4 MILLION PEOPLE WILL DRIVE TESLAS BY THE END OF 2022 - According to our data, Tesla has delivered by the end of 2021 more than 2,335,000 all-electric cars, which is by way more than anyone else. - This number includes more than half a million Model S/Model X and more than 1.8 million Model 3/Model Y. - considering the recent production rate of 308,600 units in Q4 2021, we should see 2.5 million total and 2 million Model 3/Model Y in February/March. - Assuming 1.5 million new Tesla cars in 2022, there would be over 3.8 million total, maybe more, depending on what the current year will bring. 4 million Teslas would be a tremendous achievement. Original Source : https://insideevs.com/news/558272/4-million-teslas-2022-forecast/ FORD F-150 LIGHTNING PRICING ANNOUNCED - Ford announced pricing and more details about the Ford F-150 Lightning, which later this week will be available for order (by reservation holders, in batches). As we know, there are four versions of the truck, Pro, XLT, Lariat and Platinum. Production of all four types will begin in Spring. MSRP price of Ford F-150 Lightning in the U.S.:  Pro: $39,974 XLT: $52,974 Lariat: $67,474 Platinum: $90,874 - The Pro version comes with the Standard Range Battery for up to 230 miles (370 km) of expected EPA range. There is also the Extended Range Battery that extends the range up to 300 miles (483 km) - optional in the case of XLT and Lariat ($10,000), and standard in the Platinum trim. - there is a Pro version with the Extended Range Battery ($10,000 option) but it's envisioned only for fleets. - According to the previous report, the difference between the two battery options is 33 kWh of usable battery capacity:  Standard Range Battery: 98 kWh Extended Range Battery: 131 kWh Original Source : https://insideevs.com/news/558716/ford-f150-lightning-pricing/ F-150 Lightning Options Add Up To Rivian Territory Real Fast - The Lightning really begins to pale when you start adding luxuries, like heated seats. Butt warmers require equipment group 312A, which also includes Ford's CoPilot 360 2.0 Level 2 driver assist suite, a power tailgate and a heated leather steering wheel in addition to other, less noteworthy bells and whistles. That's another $9,500 on the sticker. - Couple the extended range battery with 312A to get the Lightning relatively close to the R1T's base spec in terms of interior comforts and performance, and you're spending $74,169 including destination. - Poking around both electric pickups' build-and-price tools, here's the impression I get: the F-150 Lightning is obviously the more affordable truck and actually attainable for those with less to spend. However, if you plan on checking boxes for options, the R1T will quickly become the better value. For $60K-$70K, it's the more compelling package. Original Source : https://jalopnik.com/here-are-the-options-to-check-if-you-want-your-ford-lig-1848300647 NORWAY SETS NEW EV SALES RECORD IN 2021, WANTS EVEN MORE IN 2022 - Norway set another record in 2021, and it is about electric vehicles again. Despite the global chip crisis, electric vehicle sales dominated the market and made up 64.5 percent of sales in 2021, which is the highest percentage ever achieved by them. - The country's record month in terms of EVs sales market share was September, with 77.5 percent of all vehicles sold in the country being battery electric vehicles. - Tesla is the most popular brand in Norway, beating Volkswagen's 11-year success story. The Model 3 was the number one favorite for Norwegian customers, followed by Toyota's RAV4 EV, and Volkswagen's ID.4. Tesla's Model Y achieved fourth place. Original Source : https://www.autoevolution.com/news/norway-sets-new-ev-sales-record-in-2021-wants-even-more-in-2022-178213.html TESLA CYBERTRUCK ORDER PAGE NO LONGER MENTIONS A 2022 PRODUCTION ESTIMATE - Tesla quietly updated the Cybertruck's order page, removing references to the vehicle's expected 2022 production date. The update may have been implemented during the final weeks of 2021. - Previously, the all-electric pickup truck's order page featured a simple note stating that customers will be able to “complete their (your) configuration as production nears in 2022.” Tesla's Cybertruck order page today simply informs customers that they will be able to complete their vehicle configurations as production nears. Original Source : https://www.teslarati.com/tesla-cybertruck-2022-release-date-update/ DAKAR 2022, STAGE 3: SAINZ SCORES FIRST WIN FOR ELECTRIC AUDI - Carlos Sainz claimed Audi's maiden stage victory in the Dakar Rally on Tuesday, - The result marked the 40th stage win for Sainz as well as the first for an electric prototype in the top cars division, with Audi running three MGUs on its RS Q e-tron using technology it developed in Formula E. Original Source : https://www.motorsport.com/dakar/news/dakar-sainz-audi-first-stage-win/7076874/ WALLBOX INTRODUCES QUASAR 2 AT CES 2022 - As well as enabling EV owners to charge and discharge their electric vehicle to power their home or the grid, Wallbox's latest innovation is designed to give EV drivers the ability to isolate their home from the grid and use their EV for backup power during a blackout. - With Blackout Mode, users are able to use their EV battery to power their home in the event of a power outage, even those caused by natural disasters. Quasar 2 seamlessly transitions a home to vehicle energy when the power goes out. Depending on the car and energy usage Quasar 2 is expected to be able to power a home for more than three days during a blackout based on an average household's critical consumption. Original Source : https://www.businesswire.com/news/home/20220103005080/en/ STOREDOT SECURES $80 MILLION IN FUNDING - Israeli battery developer StoreDot has announced the first close of its Series D funding round of up to $80 million, the majority of which has already been secured. - The Israeli company had demonstrated an interim step in 2019 showcasing that their technology could charge the battery of an electric scooter in five minutes. The first development samples were demonstrated to potential partners in early 2021. Then, in May 2021, the cooperation with EVE Energy was announced, which includes the production of the cells from 2024. - The company's fast-charging electric car battery cells with a silicon-dominated anode, which should also enable high energy densities. Original Source : https://www.electrive.com/2022/01/04/storedot-secures-80-million-in-funding/ BUDAPEST ORDERS 48 E-BUSES FROM SOLARIS & SKODA - ELECTRIVE.COM - A consortium consisting of Solaris Bus & Coach and Skoda Electric has received an order for 48 battery-electric trolleybuses from Budapest. The current order of 12- and 18-metre buses goes back to a framework agreement from 2014, which has now been completely fulfilled with the order. - With the 48 trolleybuses now on order, the total number of 108 vehicles agreed in 2014 has been reached. The order is divided into 12 Trollino 12s and 36 Trollino 18s, i.e. the 18-metre articulated bus version. Solaris says that the 48 buses are to be delivered by autumn 2022. - The batteries will enable the trolleybuses for Budapest to travel at least four kilometres without overhead lines. Original Source : https://www.electrive.com/2022/01/02/budapest-orders-48-e-buses-from-solaris-skoda/ KANSAS CITY INTERNATIONAL AIRPORT INSTALLS WIRELESS CHARGERS Original Source : https://www.prnewswire.com/news-releases/kansas-city-international-airport-installs-wireless-chargers-by-momentum-dynamics-becoming-first-airport-with-wireless-charging-for-its-electric-bus-fleet-301450602.html APPLE'S LATEST PATENT DROPS A HINT AT HOW ITS ELECTRIC CAR MAY GET CHARGED Original Source : https://www.businessinsider.in/business/auto/news/apples-latest-patent-drops-a-hint-at-how-its-electric-car-may-get-charged/articleshow/88660724.cms ENPHASE CELEBRATES THE NEW YEAR BY ENTERING THE EV CHARGING MARKET Original Source : https://pv-magazine-usa.com/2022/01/03/enphase-celebrates-the-new-year-by-entering-the-ev-charging-market/ 91% OF EV OWNERS SAY THEY WILL NEVER BUY A PETROL OR DIESEL CAR AGAIN   Original Source : https://www.thisismoney.co.uk/money/cars/article-10367579/91-EV-owners-say-never-buy-petrol-diesel-car-again.html QUESTION OF THE WEEK WITH EMOBILITYNORWAY.COM This question was suggested by Joshua Pritt: “If you live in an apartment or condo or otherwise can't charge at home, how do you charge? Is it a terrible inconvenience or do you have a simple routine to charge during your shopping trips?” Email me your answer now: hello@evnewsdaily.com It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast. And  if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing. Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I'll catch you tomorrow and remember…there's no such thing as a self-charging hybrid. PREMIUM PARTNERS PHIL ROBERTS / ELECTRIC FUTURE BRAD CROSBY PORSCHE OF THE VILLAGE CINCINNATI AUDI CINCINNATI EAST VOLVO CARS CINCINNATI EAST NATIONAL CAR CHARGING ON THE US MAINLAND AND ALOHA CHARGE IN HAWAII DEREK REILLY FROM THE EV REVIEW IRELAND YOUTUBE CHANNEL RICHARD AT RSEV.CO.UK – FOR BUYING AND SELLING EVS IN THE UK EMOBILITYNORWAY.COM

This week's guest is Jacqueline Schadeck. She played basketball at the Southern Polytechnic University (KSU). In this episode, we chat about how her mental health got in the way of her college career and what lead her to major in finance.- Name: Jacqueline Schadeck- Sport: Basketball- Schools: Southern Polytechnic University (KSU)- Instagram: @jacquelineplansHousekeeping:- Website: www.retiredcollegeathletes.com- Instagram: @retiredcollegeathletes- Facebook: Retired College Athletes- YouTube: Retired College Athletes- Twitter: @RCAathletes- Email: retiredcollegeathletes@gmail.com- Patreon - If you love RCA and want to give financially to support the podcast you can do so through Patreon. Depending on what tier you give, you will receive exclusive content as a thank you for supporting us.

Today on the podcast, I'm sharing a recent Ask the Egg Whisperer episode. I love answering your questions, and Natalie sent in a great one about a bicornuate uterus. Here's what she wrote, “Does having a bicornuate uterus affect fertility? What can be done to make sure the pregnancy sticks and remains healthy so the baby is born full term?” Having a bicornuate uterus is very special. When I see someone who comes to me with a bicornuate uterus, I like to learn more about the patient's anatomy so we can create a plan and build a team to support the patient.  First, make sure that you have an accurate diagnosis. You'll also want to get an understanding of your own unique bicornuate uterus' anatomy. Depending on your anatomy and diagnosis, the good news is that it is possible to deliver a healthy full-term baby. It's also true that a bicornuate uterus may cause pregnancy complications.  I would recommend talking to your OB GYN to see what they think, and ask what their experiences with patients just like you. Ask for their approach on managing your bicornuate uterus.  Do you have questions about IVF? Join Dr. Aimee for The IVF Class at The Egg Whisperer School. Listen on Dr. Aimee's website  Subscribe to my YouTube channel for more fertility tips!  Subscribe to the newsletter to get updates Dr. Aimee Eyvazzadeh is one of America's most well known fertility doctors. Her success rate at baby-making is what gives future parents hope when all hope is lost. She pioneered the TUSHY Method and BALLS Method to decrease your time to pregnancy. Learn more about the TUSHY Method and find a wealth of fertility resources at www.draimee.org.

Rest in Peace Betty White...  Thank you for being a friend... :(   This podcast is an interview style show where each episode will have a different person(s) with a different interesting story, job, thing to plug, etc. Depending on how things go I may get people in local bands, businesses, who knows!   For this episode I decided to do a year end "best of list" kind of show with a focus on recording something positive to go into 2022 on.  I am joined by one of my best friends and Shield Brother, Axle Wright, of the Geeks With Shields Podcast.   Enjoy!   Happy New Year!

Introduction This is a basic philosophic existential question. What is man? What is man in the totality of things? Depending on your focus you could answer that question differently. Following the theory put forth by Darwin man is essentially insignificant. If you focus only on the natural world or “everything…

I love the concept of being able to choose in life.  When it comes to gardening, you have to make many choices.  Which seeds should I plant, do  I need to extend the garden, and where should I buy my soil?  Depending on your needs, the answer changes.  Since we know that soil is the lifeblood of a garden, let's talk about where to purchase it from? Check out this episode of JUST GROW IT, where we discuss purchasing soil from a big box store vs. a nursery.

Wishing you a Happy New Year with friends and family. Today we're looking back on this year and also looking ahead to what you can expect in 2022 from RCA.Today's Scout:- Name: Sydney Umeri (the host)- College: University of Virginia & University of Kansas- Sport: BasketballHousekeeping:- Website: www.retiredcollegeathletes.com- Instagram: @retiredcollegeathletes- Facebook: Retired College Athletes- YouTube: Retired College Athletes- Twitter: @RCAathletes- Email: retiredcollegeathletes@gmail.com- Patreon - If you love RCA and want to give financially to support the podcast you can do so through Patreon. Depending on what tier you give, you will receive exclusive content as a thank you for supporting us.

Depending on where you live you may not be able to access a gym, your company may be pushing remote working again, or you may just not want to go to a gym. You can still workout.Checkout more content on my website: http://scottspeaksfitness.comGet my Guilt free holiday eating guide and my eBook! Learn the fundamentals to take control and live life on your terms.

On this episode, we begin looking forward to 2022 and what is sure to be an exciting year to come. Whether your nonprofit is gearing up for midterm elections, legislative advocacy, or administrative activism, there are several steps you can take to prepare your team NOW. That is why we present you with our TOP 10 nonprofit New Year's Resolutions.    Our Attorneys for This Episode:  Natalie Ossenfort  Tim Mooney  Leslie Barnes    Show Notes:  Schedule your election season advocacy training now. While midterm elections happen later in the year, candidates are launching their campaigns, and primary election season is gearing up. Make sure your staff is ready by training them on how your nonprofit can engage with candidates and voters while remaining in compliance with state and federal law.  Make sure you have an election season policy, and have your staff and Board members review and sign it. Many nonprofits are perfectly situated to get out the vote and pursue important policy agendas, but these activities can trigger conversations that implicate nonprofit election season advocacy rules. By having a policy (and sticking to it), you create a layer of protection for your organization as it confidently moves into 2022.  Build in accountability advocacy for your (c)(3) or (c)(4) for year-round effectiveness. Nonprofits can hold their elected officials accountable for how they serve their constituents. There are a variety of activities in which nonprofits may engage to remind legislators and elected officials that their issues matter, educate constituents about officials' positions and actions, and demonstrate to officials that their votes will not go unnoticed.  Have a 501(c)(3) and a 501(c)(4)? Get set up to grant unused lobbying capacity from the (c)(3) to the (c)(4) at the end of the year with our brand-new guide – Maximizing Your Advocacy! Why? Lobbying can count as one of a (c)(4)'s primary purpose activities, helping it to maintain the required balance between nonpartisan and partisan (secondary activity) work.  Prepare to educate candidates and political parties on your issues. An election year is a perfect time to capitalize on any heightened interest people have in the issues important to your communities. While 501(c)(3)s cannot provide singular research, strategy, or support to one candidate or political party, they can use this opportunity to educate candidates in a nonpartisan manner and even influence candidate and political party platforms.   Resolve to support democracy in 2022. The IRS permits 501(c)(3) nonprofits to engage in charitable activities, including nonpartisan activities that support democracy, expand the electorate, & encourage civic engagement provided the activities further the organization's mission. Determine if your state's election laws have changed for registering or voting, and build voter education and outreach into your advocacy work.  Make plans to brush up on your knowledge of state lobbyist registration and campaign finance reporting requirements. Depending on what level of government you are working to impact, you may trigger reporting requirements at the local, state or federal levels. These laws could require you to track both your administrative and legislative activities and any expenditures you make on ballot measure campaigns (in addition to independent expenditures if you happen to be a (c)(4) working to influence candidate elections). Luckily, we have a wealth of state law resources on our website including a NEW practical guidance lobbying series.  Take stock of your capacity to engage in advocacy, and embrace your strengths (and weaknesses) as an organization to maximize your impact at the legislature and beyond. Where should you start? Our Advocacy Capacity Tool is a good place to begin. By evaluating your goals, plans, strategies, partnerships/networks, operations, and more, your nonprofit can put itself in the best position for advocacy success.  Get social! (on social media that is). Social media offers nonprofits an opportunity to amplify their advocacy to reach communities far and wide. Whether your organization is building its presence on IG, TikTok, Twitter, Facebook, or elsewhere, make use of online advocacy as a tool to expand your supporter base and activate public policy campaigns. Just remember that tax code nonprofit advocacy rules will still apply, and check out our guide to Public Policy in the Digital Age to remain in compliance.  Take time for yourself. Just because you work for a nonprofit or serve on a nonprofit Board, that doesn't mean that you can't step away from time to time to re-center and engage in the activities that bring you happiness and joy. Just like the last couple of years, 2022 is almost certain to bring with it its own unique set of challenges. Stay focused, stay diligent, but also keep motivated by taking time for YOU.                      Resources:  Accountability Advocacy for 501(c)(3)s  Accountability Advocacy for 501(c)(4)s  Is It (c)(3) Compliant? – Decision tree for election-year activity  Advocacy Capacity Tool  Maximizing Your Advocacy: 8 Steps for Granting Unused Lobbying Capacity from a 501(c)(3) to an Affiliated 501(c)(4)  Maximizing Your Advocacy Supporting Documents   Public Policy in the Digital Age: The Law of Online Lobbying & Election-related Activities  Sample 501(c)(3) Organizational Policy for Election Season 

We've had a wild couple of years. I've been investing for a long time, and I can't remember anything like it. The pandemic shaved 20% off the market in what seemed like minutes, then snapped back and took off just as fast. Recorded: December 16th, 2021 Bitcoin started 2020 below $7,000 and now it's close to $50,000. Gamestock, one of many meme stocks, started this year at $15, went as high as $350 and is now about $150; way down from the high, but still up about 700% for the year. Even the housing market's been insane. Depending on where you live, it's possible your home has increased in value by 40% in a couple of years. But the good times can't last forever. Sooner or later, the fat lady sings. Much of the asset inflation we've been experiencing is because of historically low interest rates, and odds are that punchbowl will soon be taken away. And that's not the only risk we're facing. Unfortunately, there are plenty of other potential dark clouds on the horizon. That's what this week's "Money!" podcast is about. We're going to talk about some economic risks we might encounter in the year ahead; not to alarm you, but to prepare and inform you. We'll also talk about how to deal with any issues that might occur. As usual, my co-host will be financial journalist Miranda Marquit. Listening in and sometimes contributing is producer and novice investor Aaron Freeman. Want more information? Check out these resources: Yahoo: 2 big market risks for 2022, according to Bank of America Forbes: Top Economic Concerns For 2022—Growth Continues, But Risks Abound ArmchairTrader: Our five top financial markets risks for 2022 Investopedia: What to Watch in 2022 New York Times: The Economy Looks Solid. But These Are the Big Risks Ahead. Blackrock: Geopolitical risk dashboard Economist Intelligence: 10 risk scenarios that could impact global growth and inflation in 2022 JP Morgan: Year-End Outlook: Investing Beyond the Pandemic Stacy's stock portfolio Subscribe to the Money Talks News newsletter Take our course The Only Retirement Guide You'll Ever Need Take our course Money Made Simple Miranda Marquit's website Become a member: https://www.moneytalksnews.com/members/ See omnystudio.com/listener for privacy information.

The end of the year is a natural point to take a moment and reflect on your photography for the past year. If you set photo goals for 2021, measure how you did, and look to what lies ahead in 2022. In this episode, I share how I did against my photo goals for the year and talk about the challenges 2022 is going to present for visual artists.On a personal note, first and foremost, thank you for listening to The Stop Down Photography Podcast. Heading into 2022, some personal events unfolding will impact the amount of time I can dedicate to photography and content creation. I expect the cadence of podcast episodes to be slower, but I do fully intend to keep making podcast episodes. Listen to this one for more details.Ready to review your body of work in 2021 and set photo goals for 2022? Listen to Episode #51 Reflect On Your Photography for some ideas on how to do that, and how to leverage your photo library.Rate & ReviewIf you enjoyed this episode, please rate and review it on Apple Podcasts, Stitcher, or Podchaser.com. Fresh, current ratings help other photographers find out about the show.Supporters Of The Show - Thank You!Thanks to everyone that supports this show, through comments, reviews, and shares. Sharing this podcast with your photo friends and camera clubs is one of the many zero-cost ways you can support the show. If you wish to support the show financially, you can also make a one-time donation.Affiliate LinksProduct links in this post may contain affiliate tags. Depending on the purchase, The Stop Down Photography Podcast may receive compensation if you purchase a product via one of those links. There is no additional cost to you. The use of affiliate links never influences the content or opinions of the episodes.Support the show (https://www.stopdownpodcast.com/support)

Finally, a decent live-action X-Men movie! Maddy, Ryan, and Todd all watched The Wolverine (2013), which is a solo Logan action movie that isn't as horrible as X-Men Origins: Wolverine (2009) and is a lot more free-wheeling and fun than Logan (2017). We get to see Hugh Jackman's naked butt, but the real draw of this movie is actually Rila Fukushima as Yukio. We love her, she's the star of the movie, and she is perfection. Next episode: The season 4 premiere of X-Men Evolution? Or our Mutant Ages: The Comic Book special. Depending on which one we manage to edit first. Visit our STORE: teespring.com/stores/the-mutant-ages E-mail us your feedback at themutantages@gmail.com or follow us on Twitter at TheMutantAges, MIDImyers and RyanPagella. If you like what you hear, please consider supporting us via patreon.com/themutantages. Thanks!

Finding a caregiver for a loved one can be stressful. There are several different types of caregivers to choose from that all provide different levels of care at different price points. Today we are going to be talking about the many types of caregivers and the differences between the types of care they provide. We'll begin with the 5 types of in-home caregivers before moving on to the other 5 types of caregivers. Now let's move on to the rest of the show.   Before we jump into the types of caregivers, let's briefly talk about what a caregiver is. Hopkins Medicine tells us, in simple terms, a caregiver is a person who tends to the needs or concerns of a person with short- or long-term limitations due to illness, injury or disability. The term “family caregiver” describes individuals who care for members of their family of origin, but also refers to those who care for their family of choice. This could be members of their congregation, neighbors, or close friends. Family caregivers play a significant role in health care, as they are often the main source of valuable information about the patient.   Most people will either be caregivers or need care at some point in their lives, and oftentimes they will experience both sides. According to Family Caregiver Alliance, family caregivers, particularly women, provide over 75% of caregiving support in the United States. In 2007, the estimated economic value of family caregivers' unpaid contributions was at least $375 billion dollars, which is how much it would cost to replace that care with paid services.   Family Caregiver Alliance says that caregivers tackle a wide range of tasks. They may do household chores like buy groceries, cook, clean the house, and do laundry. They may also help with personal care, like helping a family member get dressed, take a shower, and take medicine. They can provide medical-related assistance, like helping transfer someone in and out of bed, help with physical therapy, injections, feeding tubes, and other medical procedures. They can also help a loved one make medical appointments and drive to the doctor and drugstore. Many caregivers are the go-between for their loved one and are the ones that talk with the doctors, care managers, and others to understand what needs to be done. They also spend time at work handling a crisis or making plans to help a family member who is sick and is often the designated “on-call” family member for problems.   Now that we've had a refresher on what a caregiver is and the importance of a caregiver, let's move on to the types of caregivers.   There are 5 types of in-home caregivers: family caregivers, informal caregivers, independent caregivers, private duty caregivers, and professional caregivers. Each of these types provide in-home care, but the way they provide care differs.   Caregiving can be expensive and many families are more comfortable doing at least a portion of the caregiving their loved one needs themselves. According to Jevs Care at Home, family caregivers are usually unpaid family members who take care of a spouse or loved one. These caregivers are almost always related to the person receiving care in some way. We are often asked if it is possible to have some of your caregiving expenses reimbursed and it is, but on average, about 21% of all caregivers work is unpaid.   That said, you may become a paid family caregiver by working with a home care agency. You may also find local resources to help with the cost of caregiving. According to Family Caregiver Alliance, sometimes, caregiving families may obtain financial relief for specific purposes, such as for respite care or to purchase goods and services, and in some cases, pay for caregiving. In some states, there are programs that pay family members to provide care to those receiving Medicaid and in very few states there are programs available to those who do not qualify for Medicaid. It is important to note, however, that these programs vary widely, often with complicated criteria for eligibility.   The second type of in-home caregivers are informal caregivers. According to Jevs Care at Home, informal caregivers provide similar services to those of family caregivers, but in most cases, they aren't related to the person receiving care. Usually, these caregivers have some connection or relation to their clients, which is helpful for creating the companionship many seniors seek.   According to Family Caregiver Alliance, about 44 million Americans provide 37 billion hours of unpaid, “informal” care each year for adult family members and friends with chronic illnesses or conditions that prevent them from handling daily activities such as bathing, managing medications, or preparing meals on their own.   Many people act as informal caregivers without even realizing that's what they are doing. Neighbors, friends, and family members provide informal care through tasks like meal prep, transportation to appointments, and errand assistance. They may see these tasks as just helping out when they are really providing care.   The third type of in-home caregiver is an independent caregiver. According to Jevs Care at Home, an independent caregiver gets hired directly by the person's family needing care and is not affiliated with a home care company. They provide all of the necessary caregiving services and work with the family to determine their loved one's care needs. This also means there are higher risks and liabilities when choosing this route.   Independent caregivers can often be 30 to 40 percent cheaper than a home care company and have fewer restrictions than a professional caregiver does. Paying for Senior Care says that as of 2019 if an independent caregiver is paid more than $2,100 per year, they are considered a household employee, and not an independent contractor. Thus, the family hiring the independent caregiver takes on all the responsibilities of being an employer, which includes payroll and taxes and all other requirements.   As the employer, you would write a job description for a potential independent caregiver that covers the level of care and all care tasks they will be expected to perform. Paying for Senior Care suggests listing tasks such as driving or accompanying the senior to and from appointments, running errands, providing supervision and companionship, managing medication, assisting with bathing and grooming, preparing meals, and housecleaning.   The personal qualities one is seeking in a caregiver should also be covered, such as a patient individual with a cheerful, upbeat personality. Independent caregivers can provide medical care, but they often only provide personal care.   The fourth in-home caregiver, a private duty caregiver, is similar to an independent caregiver. According to Jevs Care at Home, Private Duty Caregivers typically work for a home care company or independently and alleviate the difficulties of everyday life for a senior to allow them to continue living independently in their home. Depending on their level of training, a private duty caregiver is able to provide medical, nursing, cleaning, personal, domestic, and transportation services.   The last type of in-home caregiver is a professional caregiver. According to Jevs Care at Home, professional caregivers are career caregivers, so their primary occupation is caregiving. These caregivers work with a care recipient either in their home or in a facility to ensure they receive proper care. Professional caregivers work for professional home care companies, so they are typically assigned when you hire the company. They provide everything from homemaker services to medical care if necessary.   Professional caregivers work through licensed companies and oftentimes provide more care than the other four types of in-home caregivers. Because of this, a professional caregiver costs more than other caregivers do, roughly 30 to 40 percent more. Using a home care company means that you would not have to take responsibility as the employer like you would for an independent caregiver.   Now that we've covered in-home caregivers, let's move on to the other types of caregivers you should know.   Hospice caregivers are up first on our list. Hospice caregivers can provide care both at home and in a facility. Hospice caregivers can be family members or professional caregivers. According to the National Institute on Aging, hospice care focuses on the care, comfort, and quality of life of a person with a serious illness who is approaching the end of life. A hospice caregiver provides the necessary care for your loved one, while also making sure they are as comfortable as they can be.   A hospice caregiver is often part of a team. Compassus says that the hospice team arranges for the delivery of medical equipment and medications. They work with you on a schedule for visits from nurses, therapists, chaplains, social workers, and volunteers. The schedule adapts to your needs.   According to Compassus, the responsibilities of a hospice caregiver include helping patients with the activities of daily living, including bathing, dressing, feeding, and going to the bathroom. Ensuring your loved one has their prescriptions and that all medicines are given at the correct dose and time. Hospice nurses and aides can also teach proper techniques and provide basic medical care, including changing dressing, taking temperatures, and blood pressure readings. Hospice caregivers also understand how to use medical equipment, which may include oxygen machines, wheelchairs, lifts, and hospital beds. However, depending on the hospice provider and even state that you reside in – most hospice caregiver's will visit 1-2 times a week and for a short duration of time. Many times, for families receiving hospice at home the hospice provider will recommend hiring a home care company to help with a loved one's care needs.   If your loved one is receiving hospice care at home and needs to be transferred to a facility for pain management or any other reason, the hospice team will schedule transportation to the facility and will continue to provide care for your loved one and your family.   There may be times when your loved one is home alone and needs care and it may be unsafe for a caregiver to come to the home or a caregiver may be unable to visit. According to Jevs Care at Home, that's where virtual caregivers come in. By using a tablet or other type of screen, caregivers interact with their clients through Skype or another form of video call to ensure their health is monitored. This type of caregiving should be supplemental to in-home caregiving but still, help in caregiving like with medication reminders or health screenings. It's also helpful for companionship.   There are also technologies available that allow a virtual caregiver system to monitor your loved one in their home, like Addison Care. According to Addison Care, Addison, the virtual caregiver, is a state-of-the-art, 3D animated, connected caregiver designed to transform a residence into a digital Smart Health Home, providing chronic care management, rehabilitation, aging in place, behavioral health, and care coordination, for patients of all ages.   With a virtual caregiver system, you can connect devices, such as glucose monitors, blood pressure cuffs, and thermometers. The system can send alerts to you and your loved one and provides 24/7 support. Similar to life alert, if your loved one falls, a virtual caregiver system will notify emergency services. Virtual caregiving, even a system such as Addison Care, should still only be used as supplemental care and should not replace an in-person caregiver. Companionship is an important aspect of the caregiving relationship and it can be supplemented with virtual visits, but cannot be replaced by it.   Another caregiving option for your loved one that cannot be home alone is adult daycare. According to Jevs Care at Home, Adult Daycare offers the opportunity for seniors to have stimulating social, cognitive, and physical activity outside of the home for a portion of the day. If it's possible your loved one may be unsafe alone, can't perform daily activities, and is alone for most of the day, adult daycare may be a good option. These programs typically supplement an in-home caregiver, usually in situations where a family member, who is also the caregiver, has another job.   Not all daycare centers are the same. According to AARP, most offer therapeutic exercise, mental interaction for participants, social activities appropriate for their condition, and help with personal care such as grooming and using the toilet. Adult daycare centers differ in the specific areas of care they offer. Social centers concentrate on meals and recreation while providing some health-related services. Medical and health programs provide more intensive health and therapeutic services in addition to social activities. And specialized centers take participants who have only a particular condition, such as those diagnosed with dementia.   Depending on the type of care you are looking for and the length of time your loved one will be staying at a center, prices can vary. On average, adult daycare costs $70 a day. Medicare does not normally cover the costs of Adult Daycare, but you may find financial assistance in your area. Some veteran services may help cover the costs and local and state programs may also help pay for adult daycare.   AARP suggests looking into daycare when you start seeing signs that an older loved one is unable to structure their own daily activities when a loved one feels isolated and lonely and wishes for interaction with other older people, or experiences anxiety or depression and needs social and emotional support. You may also want to seek daycare services when your loved one has difficulty starting and focusing on an activity whether it's conversation, reading, or watching TV when they seem to be no longer safe on their own or feel uncertain and anxious about being alone.   Family caregivers also might consider adult daycare services when they need to work or be away from home for most of the day or if they are themselves experiencing ill effects such as anxiety, frustration, depression, or health problems.   Your loved one may be mostly independent and able to live alone, but still, need a caregiver to stop by for things like medication assistance. Assisted Living may be a good choice if this is true for your loved one. According to Jevs Care at Home, Assisted Living Facilities come in all shapes and sizes but are typically designed to provide a very basic level of care and assistance to their residents. These facilities offer social activities, a community setting, and other services to enrich the lives of those living there. Outside of these services, care is provided periodically and as needed, like in the case of administering medication. The assisted living staff provides care as needed and not constantly like in the case of a caregiver.   In addition to standard assisted living facilities, there are also specialized facilities, or sections of the facility, that work primarily with those who need more care. These sections are typically for those with injuries, chronic conditions, or diseases like Alzheimer's or Dementia.   Many families choose assisted living facilities in order to help with daily living activities. Daily living activities are things that you do every day, like eating, bathing, and walking. For elderly loved ones that need help with a few of these activities every day, but do not need help with the rest of their activities, assisted living would be the perfect option. For example, if your loved one needs help walking around and getting in and out of the tub, but they can make their own meals, eat alone, and dress themselves, assisted living would allow them to maintain their independence while still having a caregiver's help.   Medicare doesn't usually cover any of the costs with assisted living, but just with the other types of caregiving we've talked about today, local agencies and services may be able to help cover some of the costs of care. Visit your local senior center to find out what programs are available in your area.   Assisted living facilities do not provide full-time care for your loved one. If your loved one needs full-time care outside of the home, a nursing home, or a skilled nursing facility, may be the type of care your loved one requires.   According to Where You Live Matters, in a skilled nursing facility, residents receive full-time care by a specially trained medical staff. People who require a higher level of medical care, either short-term or long-term, need what's known as skilled nursing care, extended care, or long-term care. These facilities are licensed by Medicare and/or Medicaid and are focused on short-term rehabilitation and long-term medical care.   According to the National Institute on Aging, nursing homes focus on medical care more than most assisted living facilities. These services typically include nursing care, 24-hour supervision, three meals a day, and assistance with everyday activities. Rehabilitation services, such as physical, occupational, and speech therapy, are also available.   Some people stay at a nursing home for a short time after being in the hospital. After they recover, they go home. However, most nursing home residents live there permanently because they have ongoing physical or mental conditions that require constant care and supervision.   When choosing a nursing home, make sure you know what type of care your loved one needs and find a place that specializes in that care. Nursing home staff have many patients they are taking care of and, especially with the ongoing Covid-19 pandemic, it's important to make sure your loved one is getting the care they need. We've talked about the importance of advocating for your loved one before, and that still remains here.   When your loved one is receiving care, not at home, there is always the possibility that their care needs are not being 100 percent met. Being an advocate for your loved one in a facility means regularly visiting your loved one and staying updated on their care plan. Having a relationship with their care team can also make it easier to stay up to date on any changes that happen with your loved one while they are in the facility.   When choosing a nursing home, you should look at reviews, talk to friends and family members that have experience with the nursing home, take a tour of the facility, and ask about waitlists for the facilities in your area. Nursing homes can be difficult to get into, especially with the continuing rise in the aging population. When touring nursing facilities, the National Institute on Aging suggests looking for Medicare and Medicaid certification, handicap access, residents who look well cared for, and warm interaction between staff and residents. They also suggest visiting a facility a second time without calling ahead. Try another day of the week or time of day so you will meet other staff members and see different activities. Stop by at mealtime. While you are there for this second visit, you should see if the dining room is attractive and clean and if the food looks tempting.   We've now covered all the various types of caregivers. Choosing the right caregiver for your loved one is an important task that shouldn't be taken lightly. If someone you know is currently looking into types of care for their loved one, share this episode with them. Knowing what types of caregivers are available can help you make a more informed decision when it comes to the type of care your loved one needs.   If you or someone you know is a caregiver, visit our YouTube channel and our dedicated Caregiver Support playlist for episodes to help the caregiver.   We want to say thank you for joining us here at All Home Care Matters, All Home Care Matters is here for you and to help families as they navigate these long-term care issues. Please visit us at allhomecarematters.com there is a private secure fillable form where you can give us feedback, show ideas, or if you have questions. Every form is read and responded to. If you know someone who could benefit from this episode, please share it with them.   Remember, you can listen to the show on any of your favorite podcast streaming platforms and watch the show on our YouTube channel and make sure to hit that subscribe button, so you'll never miss an episode. We look forward to seeing you next time on All Home Care Matters, thank you.   Sources: https://jevsathome.org/types-of-caregivers/   https://www.caregiver.org/resource/caregiving/   https://www.hopkinsmedicine.org/about/community_health/johns-hopkins-bayview/services/called_to_care/what_is_a_caregiver.html   https://www.caregiver.org/faq/can-i-get-paid-to-care-for-a-family-member/   https://www.payingforseniorcare.com/homecare/hiring-independent-caregivers   https://www.payingforseniorcare.com/homecare/agency-or-independent-caregiver   https://addison.care/   https://www.aarp.org/caregiving/home-care/info-2017/adult-day-care.html   https://www.whereyoulivematters.org/assisted-living-defined/   https://www.nia.nih.gov/health/how-choose-nursing-home      

This week's guest is Kyra Hungerford. She played basketball at the University of Missouri in St. Louis. In this episode, we chat about her time in college, from her struggles with body image to an eating disorder, and about the mind games the coaches play.

In this episode Sal, Adam & Justin cover ten common mistakes that fitness trainers make. Ten Mistakes Fitness Trainers Make. (2:33) #1 – That people are lazy. (5:38) #2 – Training people too hard. (8:47) #3 – Failing to individualize workouts. (13:29) #4 – Emphasizing fun or entertaining workouts. (15:55) #5 – Depending too much on the motivation factor. (20:43) #6 – Giving meal plans. (26:17) #7 – Too much emphasis on supplements. (31:59) #8 – Failing to meet people where they are. (36:26) #9 – Undervaluing walking. (43:33) #10 – Having a scarcity mindset. (47:38) Related Links/Products Mentioned EXCLUSIVE LAUNCH PROMOTION! (EXPIRES TUESDAY 12/28): MAPS Resistance $20 OFF **Promo Code – “RESIST20” at checkout** December Promotion: MAPS HIIT and MAPS SPLIT 50% off! **Promo code “DECEMBER50” at checkout** Visit Legion Athletics for the exclusive offer for Mind Pump listeners! **Code “mindpump” at checkout** Mind Pump #1622: Nine Signs Your Trainer Sucks What to Look for When Choosing a Personal Trainer – Mind Pump Blog The Most Important Skill For Personal Trainers – Mind Pump Blog Mind Pump #1245: Why Meal Plans Suck NCI Certifications x Mind Pump Mind Pump x NCI Mentorship Coaching What is NEAT and Why Should You Care About it? - Mind Pump Blog Mind Pump Podcast – YouTube Mind Pump Free Resources

In today's episode, our guest is Brimstone. This podcast he's part of has three or four million downloads per week; he's a former pro wrestler and an entertainment serial entrepreneur. There's a lot that we're going to unpack, so tune in! [5:02] Why should we listen to you? I'm such a wonderful person. I have a lot of energy. I'm not sure what to tell you if you can't find someone with a lot of energy. [8:18] Wrestling world Long Island's voice was prominent, as were sales and marketing. And they had asked me since they knew I enjoyed wrestling. And they say, hey, one of our reporters will do a deal where they'll interview a number of the former wrestlers. And since this convention isn't far away, could you please do us a favor? They were aware that I was interested in photography as well. They lacked in photographers. "Would you go down with them and do some shots?" they asked. Sure, why not? I say. They're paying me. [9:05] I walked down and, to my surprise, met a lot of folks who became excellent friends later in life. I came up to Iron Sheik, who was about to chat with me, and he looks at me and says, You seem like you could be harassed for pretending to be a wrestler. We start talking back, and his agent at the time, Eric Simms, is who he is. He used to take a lot of images for the boys. He began chatting to me, and what I didn't realize at the time was that he was trying to work with me and get me to do something with Sheik and have Sheik train me. [10:37] I was flipping through a pro wrestling magazine months later. And sure enough, there was an advertisement for the Long Island Wrestling Federation, the dog house was opening up, and I was thinking, okay, well, this looks interesting. [12:11] Do you make money in this? Depending on who you're with and what you're doing, you could make money. It can make a lot of money with the gimmick table. [13:55] The brand brimstone I'm simply a regular man like the rest of them. I'm a little bigger and a little louder. But I'm a person with a personality. I try to be nice to everyone. And I believe that my unapologetic authenticity goes out to others, impacts them, and offers them a reason to follow. [16:02] I took Brimstone out of the ring, removed all wrestling, and created a comic book based on the character. Brimstone is on the board rounds, the comic book, and I then turned it into kids books, the border pop, so that parents and kids may connect with the same characters.  [17:11] Food hound tidbits were born. In contrast, we were touring with the three seasons of the show. We were a very popular series. I would always bring one of the other celebs with me for the meal. Every everything I do is intertwined. [20:44] The next natural progression We're starting filming for a new television series on the 14th. I am doing it with my son, and it is supposed to go to a major streaming service as of right now.  [23:18] What promise did God make to the world when He created you? That there would be fun. It would be fun. There would be fun; there would be a good time wherever the hell I go. And I promise you that as myself.  Key Quotes [14:39-14:46] "When people are in need, I always feel the need to kind of jump in there and be a part of it and help out and give back." [19:39-19:40] "Creative people had to be creative." [20:01-20:09] "I love failure. Failure is what creates and develops the seeds that you use to plant and move forward for success. So you can't have success without having multiple failures."   Learn more about Brimstone on: Website: https://www.therealbrimstone.com/  Instagram: https://www.instagram.com/therealbrimstone/?hl=en  Podcast: https://www.thegrindhouseradio.com/   

Saturday, 25 December 2021   But those things which God foretold by the mouth of all His prophets, that the Christ would suffer, He has thus fulfilled. Acts 3:18   Peter, after having clearly identified the men of Israel as having been those who killed their Messiah, then noted that they did it in ignorance. A sin of ignorance, as was seen in the previous commentary, could be forgiven with the appropriate sacrifices. But now, Peter doesn't say to them, “You must observe the rituals laid down by Moses for the atonement of your sins.” Rather, he immediately turns to explain what those sacrifices only anticipated. He does this by beginning with, “But those things.”   This is referring to what he had just said in the previous verses –   But you denied the Holy One and the Just, and asked for a murderer to be granted to you, 15 and killed the Prince of life, whom God raised from the dead, of which we are witnesses.   What Peter is saying is that what occurred in the betrayal and crucifixion of Christ Jesus had a set purpose. Despite the fact that Israel did these things, thus bearing guilt for their actions, the very things they did actually served as the means of making their own forgiveness possible. This continues to be seen with the words, “which God foretold.”   In other words, the things that happened to Jesus were actually prophesied in advance, meaning that God knew what would occur. Despite this, two things are to be taken as axioms: 1) God did not cause the events. His foreknowledge does not mean active participation in the event. And 2) the people bore guilt for their actions. God's foreknowledge does not negate personal culpability in the things that they participated in.   God, knowing all things and understanding the hearts of the people of Israel, foresaw their rejection of Christ and allowed them to continue through with His crucifixion, knowing that it would be the means by which the world could be saved. What should have occurred, came about. God's plans and purposes were fulfilled exactly as spoken “by the mouth of all His prophets.”   This is clearly evidenced throughout Scripture, especially it is seen in typology, but it is also directly prophesied to have occurred at times. Jesus indicated this after the resurrection –   Then He said to them, “O foolish ones, and slow of heart to believe in all that the prophets have spoken! 26 Ought not the Christ to have suffered these things and to enter into His glory?” 27 And beginning at Moses and all the Prophets, He expounded to them in all the Scriptures the things concerning Himself. Luke 24:25-27   The word of God reveals Jesus. From beginning to end, He is the main subject of what God is doing in the span of redemptive history. The word of God is given to show this. And the word of God clearly revealed the sacrifice of Christ for the sins of man. Of all of the words of the prophets, this is most explicitly seen in Isaiah 52:13-53:12. Take the time to read that short passage today, thinking about how they point to the Person of Jesus. In those words, as elsewhere in Scripture, it clearly indicates “that the Christ would suffer.”   By saying this, Peter is plainly and unambiguously saying that the sufferings of Christ were prophesied in advance, and that what happened to Him was in fulfillment of Scripture. As this is so, and as all of the sacrificial system pointed to what He would do, Scripture – meaning the Law of Moses – is fulfilled in Him. As such, it is now set aside (made obsolete and annulled) in Him.   With this understanding, Peter is indicating that Jesus – not the sacrificial system of the law – is the only Sacrifice acceptable to atone for what they had done. Depending on our knowledge of the Old Testament, we may or may not get this. But the men standing before Peter would. They had heard that God foretold these things, that Christ was the fulfillment of what was spoken forth, and that there was intent and purpose behind those events. Everything added up, and they would have fully grasped this, whether they believed it or not.   This is perfectly evident from discussions with Jews today. Any Jew who is even remotely versed in Scripture, and who understands who Jesus is, knows fully well that Christians believe this to be true. They grasp the theology mentally, but they do not believe it to be so. They also know it because throughout the centuries, a remnant of believing Jews has always existed. There are Jews who have not only grasped what is said, but they have believed it. Of these things concerning the sufferings of Christ that were prophesied in advance, Peter – still speaking of God in Christ – says, “He has thus fulfilled.”   As before, this does not mean that God actively caused these things to happen. And further, God could have actively stopped them from happening. This is evidenced by Jesus' words prior to His crucifixion –   But Jesus said to him, “Put your sword in its place, for all who take the sword will perish by the sword. 53 Or do you think that I cannot now pray to My Father, and He will provide Me with more than twelve legions of angels? 54 How then could the Scriptures be fulfilled, that it must happen thus?” Matthew 26:52-54   God allowed the events to take their course because He knew that what Christ would do was necessary for restoration between Him and man to take place. But the guilt of what took place rests squarely upon Israel for their actions, the denial they professed, and the rejection that occurred among them. Peter has stated it is so, he has shown that Scripture confirms his words, and he will next explain what they need to do in order to be forgiven for their actions. He will also explain to them what a failure to do what is necessary will mean for them.   Life application: When thought through, this verse is a good one to understand other important issues that arise in theology, such as the process of salvation. For example, many people believe that because God knows in advance what will transpire, it necessarily follows that man does not actually have free will. This is nonsense, and that becomes perfectly evident from evaluating this verse.   If that were so, then there would be no culpability for Israel's actions in having crucified their Messiah. Peter clearly told them that Scripture foretold what would happen. And yet, he also unmistakably has told them that they are guilty before God because of it, and they must do something in order to be absolved of their guilt. God's foreknowledge in no way negates man's free will, nor the guilt that comes from exercising it.   Further, God's foreknowledge in no way negates man's responsibility toward the gospel. As an example, Calvinism teaches that man does not have free will in choosing Christ. It says that man is incapable of calling out to God because he is totally depraved. But total depravity can have various meanings. Just two of the many examples of total depravity are:   Man is completely fallen and cannot choose what is good. The image of God in him is erased. Man is fallen and can do nothing pleasing to God because he bears a sin nature. But man still bears the image of God, even if it is marred. He still has a knowledge of what is right and wrong. He can see the good and choose it.    The first is wrong on the surface. James 3:9 clearly indicates that the image of God in man remains. And more, Genesis 3:22 plainly indicates that in the fall of man, he obtained the knowledge of good and evil. He can know the difference and choose what is good and what is evil (see Genesis 4:7).   With the incorrect view of man in relation to God, Calvinism says that man cannot receive Christ without God intervening. As such, it teaches that God chooses who will be saved, He regenerates their spirit (they are born again), they then can choose what is good by calling on Christ, and they are then saved. In essence, a person is saved before he is saved. It is confused thinking and poor theology.   Calvinists cling to John 6:44 as evidence of their view –   No one can come to Me unless the Father who sent Me draws him; and I will raise him up at the last day.   Using this verse as a stand-alone rejects the entire context of what Jesus is saying. In John 5, Jesus distinctly indicates that God uses Scripture for this very purpose. God the Father IS DRAWING man through the word of God. The word of God speaks of Christ, and Christ came to fulfill Scripture. As such, Jesus later says in John 12:32 –   “And I, if I am lifted up from the earth, will draw all peoples to Myself.”    In every numbering system ever devised, except that used by Calvinists, 12:32 comes after 6:44. There is a reason why Jesus' words are placed there. It is because Scripture is used to draw man to God. Jesus fulfills and thus embodies Scripture. Therefore, when He is crucified, He will become the principal means for God to draw men to Himself. This is just one of the many points where Calvinism incorrectly uses Scripture to come to erroneous conclusions concerning key theological points of doctrine. Conclusion to life application: Calvinism is a failed theological system.   Lord God, thank You for the offer of Jesus Christ that has been presented to all people. It is by personal faith, through free will, that we are allowed to believe or reject Your offer. This demonstrates a great care for Your creatures. You allow us, without forcing us, to simply believe and be saved. Thank You for this offer of peace and reconciliation. Yes, thank You for the gospel of Jesus Christ our Lord. Amen.

Row for 60 minutes, changing stroke rate and pace every 5 minutes.

Wishing you a Merry Christmas and Happy Holidays!Today's Scout:- Name: Sydney Umeri (the host)- College: University of Virginia & University of Kansas- Sport: BasketballHousekeeping:- Website: www.retiredcollegeathletes.com- Instagram: @retiredcollegeathletes- Facebook: Retired College Athletes- YouTube: Retired College Athletes- Twitter: @RCAathletes- Email: retiredcollegeathletes@gmail.com- Patreon - If you love RCA and want to give financially to support the podcast you can do so through Patreon. Depending on what tier you give, you will receive exclusive content as a thank you for supporting us.

Today's SACRED S.O.L. STORY #1 is about my rock skipping skills and what makes a great rock. Depending on which rock you choose, and how you position your rock…it can walk (skip) on water and/or be the solid foundation you stand upon. SACRED S.O.L. STORY #2 is about my inner struggle to access my S.T.A.R. When you feel as though you don't know what to do…and you're simply “NOT feeling it,” you MUST take a look at your S.T.A.R. S: Sacred space. Access your SACRED space of TRUTH. T: Thoughts. Fix your thoughts on what you desire. A: Actions. Take action on what you DO know. Even when you don't think you know. R: Restoration. Tap into the restorative power, foundation, and strength of standing on your rock of truth. What is your solid rock? It can skip across water - defying all odds. It can also be the foundation that you stand on. In the most dire times, greatest loss, or helpless moments — as well as the MOST AMAZING TIMES, GREATEST GAINS, OR HOPEFUL MOMENTS — remember to channel your inner ROCK Star. Please grab your SACRED S.O.L. D.A.T.E. JOURNAL (Daily Action To Engage yourself.) TODAY'S SACRED S.O.L. STEP: Where do you feel as though you must, need, and/or desire to access an infinite power? Write it down. Circle it. Take one step today. Access the SACRED, thoughts, actions, and restorative power of standing on a rock that's unshakeable. Thank you for being here, and allowing me to Sip On Life with you. If you've been feeling like you're stuck, overwhelmed, or perhaps you still feel like you're drowning in your life, please don't hesitate to reach out. YOU ARE NOT ALONE... Request a FREE copy of my best-selling book, Date Yourself Well — The Best-Selling 12 Engagements Of Becoming The Great Lover Of Your Life (all you'll pay for is shipping.) www.dateyourselfwell.com If you've received value from the podcast, please let me know. I'd LOVE to hear from you — please email me at: drshannon@doctorshannon.com AND PLEASE TELL YOUR BESTIES AND INVITE THEM TO SIP ON LIFE WITH US. FOLLOW ME ON INSTAGRAM @doctorshannon! See you there... And learn about an incredible opportunity for a select sacred group of 25 women who are ready and willing to RISE UP AND BE THE WOMAN. If you've been feeling like you're stuck, overwhelmed, or perhaps you still feel like you're drowning, please don't hesitate to reach out. I'd be more than happy to schedule a Discovery Call with you to see if Healing Life Coaching is a good fit for you. Email me at drshannon@doctorshannon.com Come over to the WOMEN SIPPING ON LIFE S.O.L. MOVEMENT Closed FB Group and Join the MOVEMENT: https://www.facebook.com/groups/WSOLMovement/ By the way, if you haven't already listened/downloaded my new song (EPISODE 291), you can also listen to it here: letsnottalkaboutex.com, and cast your vote for your favorite version. Visit WomenSippingOnLife.com for more free resources, including my CHECKLIST FOR CHANGE, Engagement Checklist + Evaluation Rating, Six Sacred S.O.L. DATE Secrets…and a FREE copy of my best-selling book, Date Yourself Well. You can also check out my Dr. Shannon Facebook Page for more daily S.O.L. TRAINING. I look forward to seeing you again tomorrow. Please invite your best girlfriends to come and join our S.O.L. PARTY. xo Dr. Shannon. Inspiring minds that want to grow and hearts that want to know, so you can love you, your life, and your life's work well. ONE SIP AT A TIME. A special thanks to the following souls for helping me launch our WOMEN SIPPING ON LIFE podcast… Intro/Outro done by UNI V. SOL  Outro music by Jay Man: Mind Over Matter (www.ourmusicbox.com)  Podcast cover design and web site done by: Pablo Aguilar (www.webdesigncreator.com) Podcast cover photo by Kate Montague of KM Captured (www.kmcaptured.com)

From feeling like time (or money) is running out to second-guessing gift choices and blaming ourselves for our kids' behavior, there's no shortage of ways for moms to feel crummy during the holidays. Even when everything miraculously gets done, you might wonder where the heck's the magic or feel guilty wondering if you slowed down enough to actually enjoy it (and honestly, would it even be the holidays without a good, old-fashioned mom tantrum?). In this last episode before Christmas, Meagan and Sarah talk through the various ways moms tend to be hard on themselves this time of year, and some ways we've learned to reframe our messy feelings. We also chat about how we're feeling this particular Christmas and how it compares to holidays of the past. Depending on when you listen to this episode, consider it your pre- or post-holiday pep talk--complete with a tasty detour into charcuterie board land. We promise it's NOT too late to give yourself a little grace. We're here for you, friends! The post It's The Most Hard-On-Ourselves Time Of The Year: Episode 344 appeared first on The Mom Hour.

Dr. Allyson Shrikhande, a rehabilitation doctor who specializes in pelvic rehabilitation medicine, gives us an in-depth discussion about endometriosis. What is endometriosis, the disorder affecting one out of ten women? How does it show up and what are the treatment options? What is endometriosis? Endometriosis is a disorder wherein cells that are similar to the cells lining the inside of the uterus (endometrium) grow outside of the uterus. These cells can settle basically anywhere in the body but most commonly in the pelvic cavity and can cause pain and infertility. How common is endometriosis? Depending on the study, one out of ten, or one out of nine women can have endometriosis. It is as common as breast cancer with a strong genetic predisposition. What are the symptoms of endometriosis? The challenge is that it is a silent disease, making it hard to diagnose. The way it presents itself is as a person being infertile and/or having pelvic pain. Pain during intercourse, tampon use and the like as well as GI problems (constipation, abdominal bloating, abdominal pain), and a UTI that will not go away are very common symptoms. Treatment options for endometriosisThe major challenge in the medical community is that there is no proper diagnostic other than surgery right now. The gold standard for a proper diagnosis is laparoscopic surgery, then some pathology. Because of the complexity and systemic nature of endometriosis, Dr. Shrikhande also takes on a holistic approach to treatment, discussing additional things like nutrition and even medication with patients. Endometriosis awarenessDr. Shrikhande underlines the need for more research and studies to help in diagnosing endometriosis in its early stages. Unfortunately, it is a very complex disease with strong genetic disposition making it even harder to prevent. Awareness is key as there is still nothing conclusive as to what is causing endo. It's important that women are diagnosed in an efficient manner and have access to skilled medical and rehab providers who can help them with proficient treatment. Biography: Dr. Allyson Shrikhande, a board-certified Physical Medicine and Rehabilitation specialist, is the Chief Medical Officer of Pelvic Rehabilitation Medicine. She is also the Chair of the Medical Education Committee for the International Pelvic Pain Society. She is working with other experts in the field of chronic pelvic pain to develop training modules for residents and physicians interested in learning about the diagnosis, treatment, and management of chronic pelvic pain. A leading expert on pelvic health and a respected researcher, author and lecturer, Dr. Shrikhande is a recognized authority on male and female pelvic pain diagnosis and treatment. Resources and links: Website: pelvicrehabilitation.com Instagram: @pelvicrehabilitation, @doctor.allyson Twitter: @PelvicRehab More info: Sex Health Quiz – https://www.sexhealthquiz.com  The Book – https://www.sexwithoutstress.com  Get daily conversation starters texted to your phone: Text “topics” to https://my.community.com/jessaatintimacywithease Podcast Website – https://www.intimacywithease.com Access the Free webinar: How to want more sex without it feeling like a chore:  https://intimacywithease.com/masterclass Better Sex with Jessa Zimmermanhttps://businessinnovatorsradio.com/better-sex/Source: https://businessinnovatorsradio.com/208-endometriosis-dr-allyson-shrikhande

We recently did an episode on the 10 cheapest cities to buy property in so we wanted to follow that up with a look at property taxes across the country. We pulled up a list compiled by Business Insider on the states with the lowest property taxes. In this episode, we go through the list and comment on what this means, and point out potential shortcomings of a list like this. This episode will answer questions, but it is really a starting point of where to do your own homework on this topic. And like Michael always says, "make sure to call the local county tax assessor".  --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Etsate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Emil: Hey, everyone, welcome back for another episode of The Remote Real Estate Investor. My name is Emil Shore. And today I'm joined by Michael Albaum,   Pierre: Pierre Carrillo   Emil: And today's episode we're going to be do some similar as we did on a recent episode, which was the if you guys remember the episode 10 most affordable states to buy a home, we're actually going to be covering the top 10 states with the lowest property taxes and this will be 2021 data that we're going to go over to help you you know, as you're looking for markets looking for states invest, hopefully all this data will help you in that journey. So let's hop into this one.   Alright guys, so we are sans Tom today. But we got we got Michael and Pierre, which Dynamic Duo here. Very excited for this episode. Last time, we did some fun where I have the list in front of me. And you guys guessed, I think you each took three guesses and see if you made it in the top 10 list. So let's follow that same style. Pierre, you get to start this time. So we'll go we'll go back and forth. So Pierre, you'll go one, Michael, you'll go one and we'll just flip flop back and forth. And I will tell you guys, if that state is in the top 10 list of lowest property taxes,   Michael: Love it.   Pierre: All right.   Michael: Good luck Pierre. You're gonna need it.   Pierre: Yeah, I'm just trying to remember all the different agents we've had on over the over the last year so definitely not Texas because they don't have income tax.   Emil: That is correct.   Pierre: I'll say Alabama because that was one of the reasons we chose Alabama because…   Michael: Dirty dog   Pierre: Man was it low.   Emil: Alabama. Ding ding ding That is correct.   Michael: Nice.   Emil: Alabama is one of the top 10 Lowest property tax states good job Pierre. Alright, Michael, what you got?   Michael: All right. I'm gonna take a flier here and I'm going to go and say Tennessee is going to be in the top 10   Emil: Tennessee… Eeen. Tennessee is not in the top 10 Lowest property tech states. Sorry, Michael.   Michael: Ah, swing in a miss.   Emil: Pierre looking good, dude. All right. What you got for your second guess.   Pierre: Can Kentucky   Emil: Kentucky is not on the top 10 list. Sorry.   Pierre: Oh man.   Michael: All right.   Michael: Virginia. Show me Virginia.   Emil: Show me Virginia. EEEn. not on the list. Sorry Michael.   Pierre: Oh man we're strugglin.   Emil: Mike you're struggling. You guys did so much better on the other episode. I feel like it was you guys were doing really well on that one. Come on guys. All right Pierre.   Michael: Alabama, Arizona Arkansas, California Colorado. Remember that fifth grade project the state's project and school you have to remember every state every capital.   Emil: Yeah. Those are some…   Pierre: Oklahoma   Emil: Oklahoma final guess. Oklahoma is not on the list. Alright Michael chance to tie it here or just go down in terrible blaze   Michael: Of glory. Like a like a phoenix rise from the ashes of embarrassment. Show me Mississippi.   Emil: Ding ding ding Mississippi.   Michael: Yes. Eat it Pierre.   Emil: Redeems himself. Hold on you guys.   Pierre: Just not Jackson, Mississippi.   Emil: You guys died. Good job. One a piece. You know, you have 33% You both failed. But you both at least got one on the board.   Michael: I went to engineering school 33 is passing for sure. Passing like that's like the highest grade oftentimes.   Emil: I get it. Yeah, if it's based on a curve, you guys both pass.   Michael: Sweet. This is a list compiled by Business Insider. And again, this is for 2021.   Michael: So top 10 states with the lowest property tax. We'll start at number 10 move our way to number one, or so like this is 10th least expensive. Number one is going to be the least expensive in the country. Right? How this list works?   Emil: Yes. So counting number one will be the lowest on a percentage basis property tax. Starting with number 10 We got New Mexico at 0.55% of assessed home value.   Michael: I just gotta say already this list is garbage. Because the way homes are assessed is so different in every state. So I guess that's just something to highlight and point out is like, look to understand and every county does differently, by the way. So like understand how your county that you're interested in purchasing property calculates property taxes. So is it assessed value is it sale price, sometimes those two numbers are the same. So it's really important to go do a little bit more digging after this episode. And these 10 places can be a great place to start. But I just had to get I had to get that off my chest. Assessed value is a bunch of garbage like they two assessors for different states who like the same property, and it says it differently. So whatever that's worth.   Emil: I've been the beneficiary of this on on my triplex in Missouri, the assessed value they gave was insanely low. So I've been the beneficiary of that. But yeah.   Pierre: You're just bitter that you're a veteran that tied with a newbie here, so.   Michael: Looking for any excuse to just to claw back some knowledge, some knowledge share.   Michael: What's number nine Emil?   Emil: I'm curious, Michael, if you know this so assessed home value, is that literally the structure? Does that include land? Does it not include the value of the land? Do you know how that works?   Michael: It's usually broken down between land and building is how I've seen it.   Emil: Yep.   Michael: And then I think oftentimes, the assessed value is the sum of those two. And so you're not depreciating the land on your taxes. But I do believe that the land is still taxed, because if you just go buy raw land, I think you'll still have property taxes to pay on that. It's going to be significantly less than but that's, that's my understanding.   Emil: Okay, so that's interesting. I just really quickly looked up an article on what is the assessed value of a house. So I'm just gonna read this. This is from a website called Value penguin by lending tree. So it says officials review other relevant information such as neighboring property values and the sales history of the property to determine the assessment value. This estimate is generally made without actually inspecting the home which can lead to an inaccurate valuation, which is a testament to what you were saying, Michael. If the assessed value is higher than the fair market value, the property has most likely been over assessed by the town and the owner is probably paying too much in taxes, which is one reason you know, you can actually fight your property taxes.   The assessed value of a home usually lags in comparison to the market since the valuations are only adjusted annually. While market values can change multiple times per year, the home that has recently been resold tends to be closer to the assessed value than a home that has not sold in a long time. Depending on the area's legal restrictions. Most assessed values cannot increase more than certain percentage each year. So interesting. Okay.   Michael: And I mean, that's another question to ask your cat like local county assessor is how often is the property reassessed because there are some jurisdictions where it's like once every three years or once every regular, some kind of frequency so it's not always an annual thing?   Emil: Yep. Yeah, I remember when I was recently buying that treeplex, triplex I just mentioned in   Michael: The treeplex!   Emil: You know, what, we have a new kid at home, I'm allowed to have brain farts like that. I called the assessor and they gave me like, the Calculate the formula that they use to calculate it. So a lot of times again, if you're looking anywhere, you can call the county assessor, they'll either give you the formula, or they'll give you a breakdown of how they kind of calculate these things. But anyway, back to our list. Number nine, we got Mississippi which is 0.52% of the assessed home value. Good old Mississippi, and.   Michael: MI SSI SSI PPI.   Emil: You like geography, didn't you? You're getting geography class,   Michael: Dude. I love geography. Yeah, I really like geography. My wife and I will sometimes play the geography game where she'll you know, we'll go back and forth naming countries and you gotta name the capitals. The good fun brain brain game.   Pierre: Have you guys ever played the National Geographic board game?   Emil: No. Tell us. Oh, it's, it is awesome. So I found this at the Goodwill. The Goodwill here has an entire row of board games. So we went there. And they're like, 3.50 each. So in board games are like 50 bucks each sometimes. So anyways, this is like a game from 1986 or something. And it's anyways, you build a globe flat out. So you have a bunch of hexagons and you you build a globe, and then you answer things about markets and people, geographic or planet planet Earth and you have like four categories and you get points based on it's a real fun game. So as a geography lover, you might really enjoy that game.   Michael: I'll Check it out. And that's cool that you build the earth flat because that's how it actually is in reality, so I mean.   Emil: That's right.   Pierre: Yeah. Well, because you make it flat you can make 4 Earth's because it's like when you unpeel an orange peel, it doesn't lay perfectly flat it leaves up open surfaces. Anyways, National Geographic plug right there.   Emil: Nice. There's, there's this app I downloaded a couple years ago and it like helps you learn continent geography so it'll pull up Europe and you know, it'll have the outline of each a bunch of countries and then I'll like list 10 And you have to like tap where you think that country is. So it helps you like are there in different continents. So it's cool to alright, that's cool. Number eight.   Michael: Back on the rails.   Emil: Back on the rails number eight, we got Arkansas at the same as Mississippi 0.52% of assessed home value. So we got to a tie between Arkansas and Mississippi. Moving up the list. This is a very popular hot state for for Mark for rental property and investing right now South Carolina at 0.5% of assessed on value.   Michael: Interesting. All right. All right.   Pierre: Yeah. Interesting, because we've had both Jackson, Mississippi and Columbia, South Carolina, Columbia, South Carolina, right. Yeah. And those were both very high in taxes. So this is just kind of an average of the states. And no necessarily those metropolitan centers.   Emil: Correct.   Pierre: Or metropolitan.   Michaela: Right cause every county can do it different.   Emil: Alright, moving up the list we got I think somebody mentioned Virginia but number six on the list was West Virginia.   Michael: Ooo man. Emil: Was that you Michael?     Michael: That should totally count Yeah.   Pierre: If that counts, Kansas counts for me. I'll just the add the Ar!   Emil: On Jeopardy. What is Virginia would not be the same as what is West Virginia. Sorry, Michael.   Michael: Alright, seems reasonable.   Emil: 0.49% of assessed home value on West Virginia.   Michael: West Virginia was actually I think the number one state that was on the top 10 list of most important places to buy. That's interesting. And get a cheap house and pay very little property taxes.   Emil: There you go. Alright, moving up. We got the District of Columbia DC at 0.46% of assessed home value. Obviously, homes are very expensive there. So you're still paying a lot in terms of nominal dollars, but percentage wise on the list of top 10.   Alright, number four, Delaware, we got 0.43% of assessed value. So business friendly, right. Some people like incorporate a lot in Delaware and then looks like low property tax there as well.   Number three, this was Pierre's guess Alabama 0.33% of assessed home values. Tiny.   Michael: Nice.   Emil: Go Alabama. Number two, this one was surprising to me. Hawaii, Hawaii 0.26% of assessed home value.   Michael: What? That I guess I figure you're paying so much for the purchase. You're still giving them like you said a lot  of nominal dollars.   Emil: Exactly. And then number one, can I get a drumroll please guys?   Louisiana 0.18%. Nothing's 0.18% of assessed on value. Crazy.   Piere: Beautiful.   Michael: Makes total sense.   Emil: And that is our top 10 list of states with the lowest property tax.   Michael: We should do another episode ranking the best school districts or the best school systems in the country and see if there's any any over overlap or direct correlation or parallels we could draw between high property tax states and very good school systems since that's so much of what those dollars go to fund. That's I think, like looking at the property tax breakdown, that's often the biggest portion of the bill in terms of like dollars and percent goes to the school system.   Emil: Right. It'd be interesting, though, because again, even though you could have, like California, I think is probably the bottom third, or it's definitely in the lower group, the bottom 50% In terms of percent, I think, but just because home values are so high here, again, like just so much property tax revenue. So I wonder if it's like, you know, this percentage matter? Does it just matter of like overall dollars being pumped into the system?   Michael: That's a good question, too. So for California, it's I think it was Prop Eight, I think I'm talking.   Emil: 13   Michael: Prop 13. That's it, where you have 1% of the sale price at a minimum   Emil: Forever and then never gets reassessed.   Michael: Well, it does it goes up with time. But like your base value, your base assessed value is at 1% of the sale price. And so   Emil: I thought either prop 13 in California was like your basically your property tax never changes. I thought that was the whole thing behind prop 13 is like once it sells it's calculated that value forever. I thought that was the thing with Prop 13. Otherwise, you know, you have someone who bought a home in California 30 years ago. And now their property taxes like astronomical compared to when they bought it because their values have gone up so much.   Michael: Well, I think it goes up nominally every year like, look at your last two years of property tax payments on your house. Like it will have likely gone up a nominal amount.   Emil: Okay, yeah, you're okay. So proposition 13, declared property taxes were to be assessed by their 1976 value and restricted annual increases of the tax to an inflation factor, not 62% per year. Okay, you're right.   Pierre: And don't some areas charge more on property taxes based on whether or not you're going to be investing or whether or not you live in the property?   Emil: Yes, I have a home in Indianapolis and you pay a higher rate if you're an investor, rather than if you're a owner occupant buying that home?   Michael: Yeah, I think it's like point 2% of the assessed value versus 1% For investor versus owner occupied. So like doubles?   Emil: Yeah, I think that's right. There's a there's a exemption to in California homeowners exempt or a home homestead exemption. It's pretty, it's pretty minimal. It's pretty nominal. But in other markets, it can be pretty impactful.   Emil: Yeah.   Pierre: Do you know if any of the states that we covered on this list are subject to that?   Michael: I don't.   Pierre: Okay. So that might be something to look into. You know, you might think it's the lowest place but then you go to invest.   Emil: That's right? This is only a starting point. We're leaving our our listeners with a lot of homework.   Michael: Yeah, well, it's just I think it's such a good place to start. And especially if you go listen to the other episode and overlay. Okay, where are their affordable homes to purchase and also affordable property tax rates? Could be a new new market for you.   Pierre: If you listen to more than two episodes, you will have heard Michael say more than more than five times call your county tax assessor.   Emil: Michael “call your local county tax assessor” Albaum.   Michael: Well, it's just one of those things like people are like, Oh my god, I totally burned by the property tax. It's like well, you didn't do the one thing that you should have done. It's so easy.   Emil: Raise your hand if you fell victim to that on like your first or second property. That's me.   Michael: Yeah, see?   Pierre: I heard it. I heard it too a million times.   Emil: Well, that's when was more so like the home in Indianapolis? I didn't again I didn't call the tax assessor I just looked at okay, what is it as a percentage? And I didn't look into Oh, for an investor it's higher so it's like you know during escrow I figured all that out. All in all still fine. Indianapolis is been a solid market could appreciate all those things. But again, you know, just got to go in eyes wide open.   Michael: Yeah, it could have not been.   Emil: Exactly It could have not been. The the joys of a bull market. Make Mistakes   Michael: Still win.   Emil: Feel the impact of a lot less. Alright, thank you everyone for tuning in. Hope this was a helpful episode for you. And we will catch you all on the next one. Happy investing.   Michael: Happy investing.   Pierre: Happy investing.