Podcasts about Ding

Andrew Schlecht and James Edwards discuss the ugly win the Celtics had over the Sixers, a fun close game between the Bucks and Hornets, and then a look around the NBA. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jared Weiss and Mo Dakhil break down the top NBA games and stories from Tuesday, November 30th. The guys break down the Sun beating the Warriors in the Battle of the NBA's best teams and the Nets beat the Knicks by 2 in the Battle of New York. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ding dong! Check out our Instagram to see how our Christmas Tree shopping went: instagram.com/beachtoosandyGet your Warning: Contains Sexy Stuff merch here: https://store.dftba.com/collections/beach-too-sandy-water-too-wetSupport us on Patreon at patreon.com/beachtoosandy!Listen to Alex's newest podcast, Human Seeking Human: https://linktr.ee/humanseekingpodLogo by Courtney Aventura. Theme by Mavus White.Music by PSOVOD and tyops.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave's Christmas Bugle, Drake opens up about something for Hat of Vulnerability, Dave calls Susan out for something dumb she bought, Group Therapy, we call our friends & try to work random words into a conversation, and more!

Travonne Edwards and Dave DuFour give injury updates on Michael Porter Jr, Joe Harris, Bogdan Bogdanovic, and Cam Reddish and break down a busy night in the NBA. Learn more about your ad choices. Visit megaphone.fm/adchoices

How to Be Accessible Beyond the Sliding Scale An interview with Lindsay Bryan-Podvin, LMSW, about how therapy can be accessible (and not just financially). Curt and Katie chat with Lindsay about capitalism versus money exchange, the social enterprise model, and how therapists can make a good living without feeling like greedy capitalists. We also explore the many different types of accessibility and the importance of setting your fees based on your needs and values rather than as a mechanism to single-handedly fix the broken system or to meet an artificial money goal.     It's time to reimagine therapy and what it means to be a therapist. To support you as a whole person and a therapist, your hosts, Curt Widhalm and Katie Vernoy talk about how to approach the role of therapist in the modern age. Interview with Lindsay Bryan-Podvin, LMSW, Mind Money Balance Lindsay Bryan-Podvin (she/her) is a biracial financial therapist, speaker, and author of the book "The Financial Anxiety Solution." In her therapy practice, Mind Money Balance, she uses shame-free financial therapy to help people get their minds and money in balance. She's expanded her services to help private practice therapists with their money mindset, sustainable pricing, and authentic marketing so they can include financial self-care in their work. She lives with her partner and their dog on the traditional land of the Fox, Peoria, Potawatomi, and Anishinabewaki peoples also known as Michigan. In this episode we talk about: How therapy can be more accessible (and not just monetarily) The money “shit” that gets in the way of us thinking about other options for accessibility Decreasing stigma and the notion that therapy is by and for white folks Are we making our practices accessible for all sorts of folks? ADA compliance, supporting neurodivergent and disabled folks Cultural competence, the ability to apply that in sessions with clients who are different than us Being embedded in our communities Taking therapy out of the shadows The challenges in getting out and having a larger voice How accessibility is intertwined with therapist visibility How to become part of your community in effective and impactful ways Financial ways to make your practice more accessible beyond sliding scale Social Enterprise Model: intersection of what you do well, what values you stand for, and what can you get paid well to do Feeling like a greedy capitalist What it means to be paid well How to think about setting your fees Fee-setting based on what you need to survive and thrive (not capitalist principles) The problem with “know your worth” The big cognitive shift required to move from community mental health pricing and work-life balance, fees Tying money to quality of life, not specific monetary goals Getting to “enough” not more and more Capitalism versus money exchange The wealth of knowledge we have as therapists (and how therapists take it for granted and/or devalue it) Sharing your knowledge as a mechanism of accessibility to your whole community To practice self-care, you have to be able to afford it Our Generous Sponsor: Trauma Therapist Network Trauma is highly prevalent in mental health client populations and people are looking for therapists with specialized training and experience in trauma, but they often don't know where to start. If you've ever looked for a trauma therapist, you know it can be hard to discern who knows what and whether or not they're the right fit for you. There are so many types of trauma and so many different ways to heal. That's why Laura Reagan, LCSW-C created Trauma Therapist Network.  Trauma Therapist Network is a new resource for anyone who wants to learn about trauma and how it shows up in our lives. This new site has articles, resources and podcasts for learning about trauma and its effects, as well as a directory exclusively for trauma therapists to let people know how they work and what they specialize in, so potential clients can find them. Trauma Therapist Network therapist profiles include the types of trauma specialized in, populations served and therapy methods used, making it easier for potential clients to find the right therapist who can help them.  The Network is more than a directory, though. It's a community. All members are invited to attend community meetings to connect, consult and network with colleagues around the country. Join our growing community of trauma therapists and get 20% off your first month using the promo code:  MTSG20 at www.traumatherapistnetwork.com.   Resources mentioned: We've pulled together resources mentioned in this episode and put together some handy-dandy links. Please note that some of the links below may be affiliate links, so if you purchase after clicking below, we may get a little bit of cash in our pockets. We thank you in advance! www.mindmoneybalance.com https://www.instagram.com/mindmoneybalance/ Lindsay's podcast: Mind Money Balance   Relevant Episodes: Lindsay's previous podcast episode: Financial Therapy Katie Read: Therapists Shaming Therapists Negotiating Sliding Scale Making Access More Affordable Asking for Money Reimagining Therapy Reimagined   Connect with us! Our Facebook Group – The Modern Therapists Group  Our consultation services: The Fifty-Minute Hour Who we are: Curt Widhalm is in private practice in the Los Angeles area. He is the cofounder of the Therapy Reimagined conference, an Adjunct Professor at Pepperdine University and CSUN, a former Subject Matter Expert for the California Board of Behavioral Sciences, former CFO of the California Association of Marriage and Family Therapists, and a loving husband and father. He is 1/2 great person, 1/2 provocateur, and 1/2 geek, in that order. He dabbles in the dark art of making "dad jokes" and usually has a half-empty cup of coffee somewhere nearby. Learn more at: www.curtwidhalm.com Katie Vernoy is a Licensed Marriage and Family Therapist, coach, and consultant supporting leaders, visionaries, executives, and helping professionals to create sustainable careers. Katie, with Curt, has developed workshops and a conference, Therapy Reimagined, to support therapists navigating through the modern challenges of this profession. Katie is also a former President of the California Association of Marriage and Family Therapists. In her spare time, Katie is secretly siphoning off Curt's youthful energy, so that she can take over the world. Learn more at: www.katievernoy.com A Quick Note: Our opinions are our own. We are only speaking for ourselves – except when we speak for each other, or over each other. We're working on it. Our guests are also only speaking for themselves and have their own opinions. We aren't trying to take their voice, and no one speaks for us either. Mostly because they don't want to, but hey.   Stay in Touch: www.mtsgpodcast.com www.therapyreimagined.com Our Facebook Group – The Modern Therapist's Group https://www.facebook.com/therapyreimagined/ https://twitter.com/therapymovement https://www.instagram.com/therapyreimagined/   Credits: Voice Over by DW McCann https://www.facebook.com/McCannDW/ Music by Crystal Grooms Mangano http://www.crystalmangano.com/   Transcript (Autogenerated)   Curt Widhalm  00:00 This episode is sponsored by trauma therapist network.   Katie Vernoy  00:04 Trauma therapist network is a new resource for anyone who wants to learn about trauma and how it shows up in our lives. This new site has articles, resources and podcasts for learning about trauma and its effects, as well as a directory exclusively for trauma therapists to let people know how they work, and what they specialize in so potential clients can find them. Visit traumatherapistnetwork.com to learn more,   Curt Widhalm  00:27 listen at the end of the episode for more about the trauma therapist network.   Announcer  00:31 You're listening to the Modern Therapist's Survival Guide, where therapists live, breed and practice as human beings to support you as a whole person and a therapist. Here are your hosts, Curt Widhalm and Katie Vernoy.   Curt Widhalm  00:47 Welcome back modern therapists. This is the modern therapist Survival Guide. I'm Curt Widhalm, with Katie Vernoy. And this is the podcast for therapists about things that we do things that we don't do things that maybe we should do. And both Katie and our guests today are looking at me like, where is this going? And honestly, this is just one of those rambling intros that we have. So rather than making this more awkward, we're joined once again by Lindsey Bryan Podvin. She's been a guest to the show before spoken at therapy reimagined with us, talking to us about money and ways that we could be looking at it for our practice. So thank you for joining us again.   Lindsay Bryan-Podvin  01:35 Oh, yeah, I'm really happy to be here. This is my favorite thing to chat about, and to be in community with you guys. Again, it's fun.   Katie Vernoy  01:43 Oh, we're so glad to have you back. And we'll definitely link to your previous episode in our show notes. But for folks who haven't heard from you for a while, or for our new listeners, tell us who you are and what you're putting out into the world.   Lindsay Bryan-Podvin  01:57 Yeah, so as Curt mentioned, my name is Lindsay Bryan-Podvin. I'm a social worker, and financial therapist, and I have kind of two arms of what I'm putting out there into the world, I have my clinical arm, and then I have my consulting arm. So in my clinical world, I'm doing financial therapy, which is helping clients with the emotional and psychological side of money, which spoiler alert is all of it, I think. And then, on the consulting side, I know you all know that therapists have money, shit, and we have a lot of hang ups about it. And so in my consulting arm, I help mostly other therapists, though, over the past year, I'll say that other kind of helping professionals have woven their way in, whether it's dietitians, acupuncturist, Reiki healers, because I think a lot of us get similar messaging about what money is and what it isn't. And so I help them work on their emotional and psychological relationship with money so they can have sustainable and profitable businesses. And I do, like outside of the the hands on work, or the zoom work, I suppose I have a podcast and Instagram, a pretty active blog and an email list that keeps me using my creative side of my brain.   Katie Vernoy  03:13 Nice. I love it.   Curt Widhalm  03:15 One of the big discussions that's been in the social justice aspects of our field, especially for private practitioners, and admittedly also here on our show, is talking about things like accessibility and being able to make our services go beyond just those top paying cash pay clients. Can you walk us through kind of what you hear in these discussions about accessibility for practices, and especially as it relates to some of these monetary issues?   Lindsay Bryan-Podvin  03:50 Yeah, I think as therapists we get really stuck on accessibility being only a monetary issue. So we think about solving for that problem by sliding our scale or by offering pro bono spaces. But we forget about all the other ways in which we can and should be accessible if that works in alignment with us. So as I think you guys were talking with Katie read about like the the the money talk that comes up on therapists forums and how there's so much guilt and shame and, and judgment about what people do or don't do, whether they do or don't take insurance, whether they do or don't slide their scale, but that's where most of us get stuck. And there are so many things beyond sliding our scale and the fee that we charge that can bring about accessibility for our practices and in our communities.   Katie Vernoy  04:45 What are some of the things that we can think about beyond sliding scale because I think I get stuck there as well with and maybe this is just our focus is that we're so focused on the monetary aspects and our own money shit as you described it, and We aren't thinking about what else isn't making us accessible.   Lindsay Bryan-Podvin  05:03 Yeah, I think taking a few steps back before a client even finds our website or finds us on a therapist directory, really thinking about how can we make our field more accessible by talking about what is therapy, I think in a lot of communities, we still have these stigmas that therapy is buy in for white people. And it's done on a couch with, you know, a person who's got reinforced elbows and they're smoking a pipe, right? You know, like, we have that imagery. And if we are not talking to our communities about what therapy is and who it is for, and how it can be helpful by not just talking about what it is, but also the stigma reduction, we don't even get people landing on our websites or knocking on our, you know, figurative door, right. So being in our communities and talking about what it is and who it's for, and how it can be helpful. And also talking about just the ins and outs of therapy, that it is confidential. I think in a lot of communities, there's a fear that if I go to a therapist, then you know, my mom's cousins going to find out about it, or that my employer will be told about it, or that my partner will be told about it. So I think there's some education that has to happen on the backend before people even get to our doors. And then in terms of other measures of accessibility outside of this scale. Let's get really granular on on what is accessibility? Do our clients see themselves reflected in the way that we practice therapy? Can clients who have disabilities, either neurodiversity or physical limitations, do they have actual access to our offices? Are they ADA compliant? Do we offer you know, nowadays, so many of us offer basically zoom therapy? Which makes it so much more accessible? Are we operating on bus routes and public transportation? Is there easy parking, like the literal accessibility piece? And then the cultural competency piece? Can they speak my language? If I don't speak English? Do I have somebody sitting across from me in the therapy room? Who gets what I'm talking about? When we talk about cultural competence? Not just thinking about, you know, whether or not you took a class on Southeast Asian Studies. But what does that mean? And how does that show up in our spaces, and being embedded in our community beyond just like, hiding in this little bubble, where we're kind of shrouded in mystery, I think, taking therapy out of the shadows and making it more commonplace in our communities, like we are healers in our communities. And we shouldn't be hiding behind the walls of like mystery what when there are community events, I would love to see more therapists out and they're out and about, as sponsors, as networkers and things like that, like, we also have to take ourselves out of the shadow. So there's, there's a lot of different ways we can talk about accessibility.   Curt Widhalm  07:59 So I love what you're saying, I completely agree with getting out there. There's some some stumbling steps that can happen in putting ourselves out there, because so much of our history is in being shrouded to the, you know, the shadows. And sometimes the responses that I hear from clinicians is, oh, that person went out and was talking about this, but didn't represent themselves. Well, it isn't representing the field. Well, do you have any advice as far as taking some of these steps? You know, look at you, and all of the things that you post in your newsletters and social media and this kind of stuff, money seems to be kind of like a fairly neutral ground as far as being able to talk about relationships with money. For those who are looking to maybe take some other steps as far as making this accessibility happen, that might be around more unique issues to communities. Do you have any suggestions on how people might find the confidence to be able to make those steps?   Lindsay Bryan-Podvin  09:03 Yeah, I really like this question. Because I think that accessibility and visibility are are intertwined. And visibility isn't just social media. So let's say you do want to be more accessible in your community and you do want to be more visible in your community, but you're talking about something that is more sensitive, like you know, sexual trauma, then yeah, maybe going on in doing an Instagram live about it isn't probably the most appropriate way because you don't know who's on the other side of it, you really can't create a container of people to make sure that it's safer or at least safer. So maybe in that instance, it's going to, you know, a high school and pulling a you know, having a group of 30 kids that you are talking to about this in like a speaking engagement setting or maybe it is going to the healthcare system and sitting down and talking to the medical social workers about what you know, or to the nurse midwives about what you know, right there. Different ways to get out and become a part of the community that don't involve these kind of one way one sided communication methods. Does that make sense?   Katie Vernoy  10:11 It does, I think this idea of making the whole profession more accessible to folks and all folks, and not just the kind of historical white people and the, the, the patches and the pipes. I think that to me is, it's really, really important. And I think it also is only a first step. Because when they get to our door is there still is I think, you know, financial accessibility concerns for a lot of folks. And so are there financial ways to be accessible that don't involve involves sliding your scale?   Lindsay Bryan-Podvin  10:48 Yeah, of course. So, undoubtedly, money is a real accessibility issue. I'm not just saying like, Oh, you know, just get out there. That's it sounds it? All. Right, exactly. Exactly. An email newsletter is not going to fix accessibility. But as you guys have also talked about on this podcast, it's not the responsibility of an individual therapist, to fix the broken medical system salute here. And at the same time, there are more creative ways to provide services to people in your community that are might be easier on their pocketbooks. So group therapy is also a really great option, because you as the clinician are still generating the revenue that you need to, and the people on the other side are usually paying you less dollars per session. Insurance, I know there's a big again, it's not your job to accept insurance if they don't reimburse you well, but accepting insurance is a measure of accessibility. And even if you aren't accepting insurance, helping your clients out, walking them through what a super bill is, you know, spending a little bit of time in session, making sure that they know what that means and how to actually get it done. That, to me is incredibly helpful. So providing a bit of space in the in the session to talk through how you can do that, particularly if they have anxiety, or they've got some ADHD, you know, they might need a little extra hand holding to get those things done. There are depending on your licensing board, I've seen some people do sponsored therapy spot. So it's a little bit different than a pro bono. It's Think of it like a scholarship for therapy. So the way that I've seen this work is for clients who pay a full fee, you essentially tell them look by you paying a full fee, a portion of your fee goes towards sponsoring somebody who would not be able to afford therapy with me. So you're still getting income, but you're also having the clients who are able to pay your fee, kind of some buy in that they are also kind of helping out other people in the community. So those are some different ways to be accessible, that don't involve sliding your scale doesn't mean you have to do all or any of them. It's just different ways to think about it.   Curt Widhalm  13:04 On of the things that you talked about in your presentation at the therapy reimagined conference, this social enterprise.   Lindsay Bryan-Podvin  13:12 Yes.   Curt Widhalm  13:14 Can you tell us more about that, what it means for people who maybe didn't attend the conference and what the social enterprise model is and how this might fit in for therapists?   Lindsay Bryan-Podvin  13:24 Yeah, I think so many therapists struggle with this idea of charging for services because we've internalized so many things about what money is or what it isn't. And the social enterprise model essentially says, look, there are three things to provide something that you can feel good about doing. And also know that you are being compensated fairly for it. And it exists at the intersection of these three things. One, what do you do well, what values do you stand for? And what can you be paid? Well to do, and as therapists I think, if we can think about ourselves at the intersection of that, of existing, and I do this really well, these are in alignment with my values, this type of therapeutic intervention is in alignment with my values, and I can be paid well to do that. You know, that you are contributing to the greater good of the community by making sure that you're not just wringing out your clients for the most dollars you can get right? I think so many of us think that if I charge money, then I'm a greedy capitalist, but it's also about am I being compensated for the skills that I offer and the transformations that I'm able to help facilitate in a meaningful way?   Katie Vernoy  14:41 I know that there are a lot of different perspectives on how you decide how much money to wring out of your client. And, and and you mentioned the episode with Katie Read and we've had other conversations as well, just about the shoulds. And you know, how I should set my fees and those types of things. Yeah, and to me, it feels like there's so much nuance. It's it's a wide open space, there's a lot of shit. So people feel like it's not wide open, but I feel like it really is. What advice do you have on on setting those fees? Because when we're in that space where I can be paid well for it, it's aligned with my values, and I can do it well, like, it can be hard to figure out like, and what does being paid? Well mean, that I can feel good about?   Lindsay Bryan-Podvin  15:30 Yeah. And I think that's such a good question. Because this idea of what does it mean to be paid? Well, is so skewed in our field, my first job, I was making $32,000, you know, with a master's degree, and I don't think that's an unfamiliar number or salary for people to hear. And so when a lot of people go into private practice, they hold themselves to that standard, oh, well, I was making 40k or 50k. I think that's a reasonable salary. I think that's what I'll try to make. So we haven't thought beyond what do we actually need to survive and thrive. And that's where doing things in alignment with your values can be really beneficial. So when it comes to fi setting, you're not just thinking about what are you charging your clients? You're also thinking about? Does that fee sustain me and allow me to practice financial self care? Which means Can I take care of my financial needs? Yes, but do Am I also able to support my mental, my emotional and my spiritual self. With that? I know, I was, I was loving your episode on burnout. And I love the modeling that the two of you did by saying, Look, we're going to hit pause on the therapy reimagine conference, we also have to build in time off and time for restoration, there is a study that says we need, I think, oh, shoot, I'm going to botch it. Now. I think it's eight or 10 consecutive days off in a row to actually unplug from work. So making sure that you have that built in to your time off. So making sure it covers your time off making sure it covers your health insurance. Unfortunately, we live in a society where your healthcare is tied with your employment. So when you're self employed, you have to make sure that you can cover your health insurance, you have to also make sure that you're thinking about your future self in traditional employment, we often have access to retirement plans or programs. And when we move into entrepreneurship, we are our own 401k or four, three B plan. So we have to make sure that all of those things are taken into account. And we don't want to be overworking ourselves. When we show up exhausted and burnt out and watching the clock, we are not being good clinicians we just aren't. And just taking stock of our own energy, my full pre pandemic was 18, I could comfortably see 18 clients a week that felt like a good fit for me, I wasn't burnt out, I wasn't presenting my clients, I had downtime to get the things done, I needed to do and I charged accordingly. Now, my max is 12. I have found that doing zoom therapy. While there are so many advantages of it, like I genuinely really like it, I find that literally the physicality of sitting still and staring at my screen and just what really watching so much harder for nuances through the screen takes so much more energy out of me and I can no longer comfortably and competently feel like I'm a good practitioner when I'm seeing 18 clients when I've had to scale that back to 12. And then what do I have to do to make up for that income? So that was a long answer of saying it depends. You have to figure out what money you need to be bringing in and you need to make sure that you're not just thinking about comparing it to what you use to earn an agency job because you were likely being underpaid there.   Katie Vernoy  18:47 It's hard not to feel like a greedy capitalist. With that it means you have to charge a premium fee mostly   Lindsay Bryan-Podvin  18:56 Yeah, yeah.   Curt Widhalm  18:59 Give me advice for people making that jump to those premium price because I'm sure that there's a lot of our listeners who might be considering leaving an agency job and being like, you know, I know you know my session value in this agency and this aligns maybe with my values but in going out and charging somebody three four or five times that fee in order to meet my money goals seems like it has a lot of opportunity to bring up some that imposter syndrome and really being able to balance that for those individuals you have any guidance on what to really look at hopefully beyond just kind of know your worth.   Lindsay Bryan-Podvin  19:43 Yeah. Oh my god. Thank you for saying that because also the Know your worth thing. That's a trope I used to find myself repeating. And then a friend of mine who's a behavioral economist, she shared with me Jaquette Timmons and she's goes Lindsay You have to stop saying that because we as humans We don't have a worth. So instead, she invited me to reframe it as charged the value of what your services are worth to give yourself a little bit of psychic distance there between like, I'm worth $300. Now it's like no, the value of my services are worth $300 an hour. So anyway, tangent aside, how can you come into charging fees for your services, I think there is a pendulum swing that I see happen when people try to get out of the mentality of sliding their scale as low as possible to charging premium fees. And so they go from being in spaces where being a good therapist means charging very little into spaces that are like, You need to be a six, seven figure business owner, and you need to be charging premium fees, which can be as we know, a big jump cognitively. And so I always invite people to come back to your values, your lifestyle needs, your unique financial goals. And I'm not about bashing the people who are saying, Oh, you need to make six figures or seven figures. My practice does generate six figures. But I don't think that is a magical goalposts where all your problems are suddenly solved. I think this chase this money charge, the premium fees, you have to work more can backfire. In that it forces us to work more meaning when you have that mentality of I have to work harder, I have to chase this x figure goal or this premium fee number. What happens often is you get into this space where I'll just use myself for an example that that 12 clients Oh, I saw 12 clients a week, I made enough money to hit my goals. I started to cultivate work life balance. But now what if I saw twice as many people, I could make twice as much money? What could I do it twice as much money. And then all of a sudden you forget about why you did it in the first place. So coming back to how much do I need? How much do I desire and is the money that I'm charging, allowing me to do things in alignment with my values, let's say family is like the most important value to me. And I want my 10 consecutive days off in a row with my family. And I want to go somewhere where I don't have to worry about you know, finding activities for us to do or cooking a bunch of food, I want to make sure that I have enough money to pay for that Airbnb to pay for takeout and that Airbnb is conveniently located to a lot of like outdoor activities. That's a goal that I can kind of reverse engineer my way. And to me, it's also modeling for your clients, you don't necessarily have to say to your client, like, Oh, my financial goal was this, this and this, and I was able to achieve it. But you're also modeling for your clients the importance of taking time off of adhering to your boundaries and practicing self care. So again, that's a tangent of an answer. But I guess the long and short of it is as you move towards charging premium fees come back to like, what your WHY IS, and when you feel that anxiety to work more and charge more and go harder, you actually may already have enough.   Katie Vernoy  23:02 I like that I think the piece that resonates for me is this, the letting go of I must get to this number, I must make more money. And I think for me, there's also this big push of like we must leverage we must, we must continue to grow and expand. And I think there's a point at which we have enough I mean, there, there may still be challenges that we need to do. But there's this, this freedom and not having to constantly grow and, and make my business bigger and make my business more successful. Like there's each person has to decide where they land or where they land for a time and you know, different seasons of what I need and what I want and what's most important to me, but it feels like it and this is kind of circling back to the the social enterprise model and kind of this idea of capitalism versus money exchange and, you know, clarifying all of that, but but it seems like when it's completely tied to values, what you're positing is that feels better than just making money for money's sake. And so, so tell us a little bit more about this. Because to me, I feel like I'm just starting to grasp the idea I was I was too caught up in the greedy capitalism, to understand kind of what what we were what we were starting to talk about with a social enterprise model.   Lindsay Bryan-Podvin  24:24 Yeah. So to bounce off of this idea of what is the difference between capitalism and money exchange? I think it's important to note that capitalism is a is a political economic system that we we know the dangers of right it is propped up by the unpaid and underpaid labor. So the person or people who are in charge, get the greatest amount of profit available. And as such, as we kind of touched on earlier, it's a system where we give all the praise to the people who Make a lot of money because they must have worked hard and simultaneously shamed the people who didn't make a lot of money because they must have not been hard workers. And we've we bought into that idea as a society so much so that you know, at the time that we're recording this, if you're on Twitter right now, you can see people rallying around Elon Musk saying like, yeah, he shouldn't have to pay taxes, he worked really hard. So we've got all these people saying, like, yeah, we save the billionaires instead of let's make sure we have a safety net that people can't fall through for the greater good of our society. So that's capitalism. And there's a lot of problems with it. And even if you disagree with it, unfortunately, we live in that society. Yeah. And money exchange, on the other hand has been around since the dawn of time, whether it was literal dollars or coins, there has always been an exchange of things for other things, or things or other services. And when we think about small business owners, which is most private practice owners, if we can think about ourselves as kind of the community farmstand, it helps to shift that mentality. So for example, if I go down to the farmers market, and I purchased a half a dozen eggs, I'm helping to support sustainable agriculture in my community, I get to know the person who grew my crew, my eggs, I don't think we're growing eggs, but you don't I mean, maybe if you're vegan, actually, you're growing your eggs. So you're growing your eggs substitutes? Got it? So we want to think about as therapists, how can we kind of fit into that model, where what we do in charging for services, and helping people in our community is a win win. Because when we have a healthier person in our community, because we are helping them with their mental health, what is that ripple effect on the community? And how can that be beneficial?   Curt Widhalm  26:57 It sounds like, you know, this is what a lot of practitioners do by going out into the community and sharing even some of the things that you were talking about at the top of the episode of just going and talking about mental health and about their practices and doing some, I guess, pro bono work and in the way of psychoeducation, or community education that helps to make that Win Win happen.   Lindsay Bryan-Podvin  27:25 Yeah. Yeah, absolutely. I think it's so so powerful. I think when we are in our spaces where we're surrounded by other mental health, folks, we forget what the baseline is of mental health knowledge. Oh, yeah, forget, just like what a wealth of information we have, like the other day, I did a presentation for non mental health care providers about what financial anxiety is, and tips to cope with it right. And for anybody in the therapy field, they'd be like, that's like, entry level CBT, maybe if you're lucky. But for this group of people, it wasn't that they don't, it's just we forget how much knowledge we have, and how valuable explaining some basics of how our minds and bodies and thoughts are connected, can be a huge value for other people in our community. So just don't take what your knowledge is for granted. Get out of your academic kind of echo chambers and go talk to people who aren't in the mental health care field. And that is really where you can offer a lot of wisdom and value in your community.   Curt Widhalm  28:33 So once again, echoing stop hanging out with therapists.   Lindsay Bryan-Podvin  28:41 That might be a theme. Yeah.   Katie Vernoy  28:44 Maybe it's stopped just hanging out with therapists   Lindsay Bryan-Podvin  28:47 That's a good reframe  Katie   Katie Vernoy  28:49 I know, I just it's really hard. I know, for me, and we've all spoken for therapists, we've all kind of done that thing. And I'm sure, just from the way you described it, Lindsay, you've got the thing. Like, that was a really nice reminder. And like, it is so dismissive. When a therapist comes up and says that to you, you're like, Yeah, but why did you need that reminder? You know, so I think it's that piece of when you start talking to folks who are not therapists, you recognize this is really important information. And it's not going to be discarded as Oh, I already knew that because it is this new piece that's coming in, that then allows, and this is, I guess, going to do accessibility thing. It allows this information to be disseminated more widely widely. It's something where they then are able to implement it, and maybe some people wouldn't need therapy if this information are readily available and was there first and so I think I'm putting the pieces together, Lindsay, I'm starting to see but it's it's really sharing the knowledge. It's making sure that you're available and that you've set up a fee system that makes sense for the folks that you're Working with but it's, it's this additional piece of you know, maybe you get creative and you do sponsorships or I mean there's people that have whole mechanisms for nonprofits to donate for, for scholarships for therapy. So I, there's, there's so much creativity that doesn't require an individual to slide their scale to an unsustainable fee. But this notion of just be accessible for all with all of these other pieces, I think is is hard to do. If you're not making enough money to survive, and you're seeing 40 clients a week,   Lindsay Bryan-Podvin  30:33 Ding ding ding that is exactly it. We cannot care for other people in our community when we don't take care of ourselves. And it's, you know, we hammer on this message as therapists but we forget that in order to practice self care, we need to be able to fucking afford it. Like we just do.   Katie Vernoy  30:48 Yeah, exactly.   Curt Widhalm  30:52 And it's not just kind of the big luxurious, affording things like yeah, you know, that eight to 10 days, go and do a vacation if that's your jam, but it's also being able to afford the consistent little things of and you know, it's going home at a decent time of night. It's being you know, not spending your your off hours catching up on notes, or it's having all of the other systems and everything else that we've talked about on this podcast of being able to have the convenience of being able to afford shutting off at each and every day.   Lindsay Bryan-Podvin  31:30 Yeah, absolutely in in those are the things that we know, make. The biggest difference is that consistency and that predictability, that predictability that you can power down the predictability that you can pay your bills that helps to give us that mental space to rest and to be safe.   Katie Vernoy  31:51 Where can people find you?   Lindsay Bryan-Podvin  31:53 My website is called Mind money balance. It's the same name as my practice. My podcast is of the same name. My Instagram handle is of the same name so people can find me on any of those places.   Curt Widhalm  32:08 And we'll include links to Lindsay's stuff in our show notes. You can find those over at MCSG podcast calm and also follow us on our social media and join our Facebook group, the modern therapist group. And until next time, I'm Curt Widhalm with Katie Vernoy And Lindsey Bryan-Podvin.   Katie Vernoy  32:26 Thanks again to our sponsor, trauma therapist network.   Curt Widhalm  32:30 If you've ever looked for a trauma therapist, you can know it can be hard to discern who knows what and whether or not they're the right fit for you. There's so many types of trauma and so many different ways to heal. That's why Laura Reagan LCSW WC created trauma therapist network. Trauma therapist network therapist profiles include the types of traumas specialized in population served therapy methods used, making it easier for potential clients to find the right therapist who can help them. Network is more than a directory though it's a community. All members are invited to attend community meetings to connect, consults, and network with colleagues around the country.   Katie Vernoy  33:07 Join the growing community of trauma therapists and get 20% off your first month using the promo code MTSG 20 at traumatherapistnetwork.com Once again that's capital MTS G the number 20 at Trauma therapist network.com   Announcer  33:23 Thank you for listening to the modern therapist Survival Guide. Learn more about who we are and what we do at mtsgpodcast.com. You can also join us on Facebook and Twitter. And please don't forget to subscribe so you don't miss any of our episodes.

Keith Parish and Dave DuFour recap an eventful weekend in the NBA. The Phoenix Suns won their 16th consecutive game, beating the Brooklyn Nets 113-107 on the second night of a back-to-back on Saturday. The Golden State Warriors extend their current winning streak to 7 games after handling the Blazers and the Clippers respectively over the weekend.  Learn more about your ad choices. Visit megaphone.fm/adchoices

A special Thanksgiving Week Episode giving thanks to all of our friends, sponsors and guests. Talor Gooch winning the RSM Classic, Collin Morikawa winning the DP World Championship and Jin Young Ko's win at the CME Group Tour Championship. Moose's recap if Philly Cricket, Tiger's Video, Rory's Shirt, Brooks vs Bryson and much more!They See The Line with Draft Kings on The Match. And remember- Cynch- Propane Grill Tank Home Delivery- New Customers Use Code SWING to get your first Tank for just $10! Give it a listen! NSFWThank you to our Sponsors: Cynch, Arnold Palmer Spiked!, X-Golf Garnet-Valley, Draft Kings Sportsbook, Dr. Glat- Philly's Leading Hair Restoration Doctor.

Rundown 1.) Kristaps breakout game in OT Mavs win vs Clippers 2.) Knicks bench looks great against Russ triple double to beat Lakers 3.) Heroics for Heat in comeback win over Pistons Learn more about your ad choices. Visit megaphone.fm/adchoices

In the warrior's code, there's no surrender. Though the critics said “stop”, his spirit cries “NEVER”! Once again it is the Italian Stallion VS The Siberian Express in an all-new directors cut and the boys have front row seats! AAWA, there is something strange in the neighborhood…..again, and Charlie's mind is racing! Meanwhile, Jon ponders the effect on “we the people” when an artists personal/political/ideological beliefs take center stage. “Ding…..Ding!”

Physikerinnen und Physiker untersuchen die Phänomene der Natur – vom unendlichen Universum bis hin zu winzigen Elementarteilchen. Denn egal wie groß etwas ist: Alles in unserer Welt besteht aus kleinen Teilchen, die wiederum aus noch kleineren Bausteinen bestehen. Um diese zu entdecken, nimmt GEOlino Moderatorin Ivy euch in dieser Folge mit in die Schweiz. Dort liegt hundert Meter unter der Erde am Forschungszentrum CERN der Große Teilchenbeschleuniger. Manche Wissenschaftlerinnen und Wissenschaftler sagen: Das ist das komplizierteste Ding, das jemals von Menschen gebaut wurde. Andere nennen es das achte Weltwunder – weil es heute so einzigartig ist wie die ägyptischen Pyramiden vor 4500 Jahren. Was die Forschenden mit diesem riesen Teilchenbeschleuniger vorhaben? Hört selbst!+++Ihr habt einen guten Witz auf Lager? Schickt ihn uns per Sprachnachricht an 0160-3519068 und werdet Teil des Podcasts!Unsere allgemeinen Datenschutzrichtlinien finden Sie unter https://art19.com/privacy. Die Datenschutzrichtlinien für Kalifornien sind unter https://art19.com/privacy#do-not-sell-my-info abrufbar.

Travonne Edwards and Dave DuFour breakdown the Hornets second victory in less than a week over the Wizards, a wild finish for the Grizzlies in Utah over the Jazz, and the Suns winning streak extends to 13 games. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this special episode of Highest Aspirations, we're sitting down to speak with 2021 Ellevation Scholarship Winner Jesse Ding. Jesse Ding graduated as the class valedictorian from Wilmington High School in Wilmington, Massachusetts. She is planning to study computer science at Carnegie Mellon University. In the future, she hopes to become a robotics software engineer and utilize her knowledge and expertise to program personalized assistive robots for those in need. As you'll hear in the episode, Jesse is very dedicated to giving back to her community and using her strengths in STEM and robotics to find ways to improve the lives of those around her. We hope you enjoy our conversation, and to hear more conversations with scholarship recipients, check out the Scholarship Winners playlist on our Spotify. If you have an idea for a topic or guest for a future highest aspirations episode, please feel free to reach out to me at stevens@ellevationeducation.com. You can find additional resources and episode takeaways on our ELL Community page at ellevationeducation.com/ellcommunity. If you haven't done so already, we invite you to join our ELL Community while you're there so you get weekly resources, strategies and tips from that you can use right away. --- Send in a voice message: https://anchor.fm/highest-aspirations/message

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Keith Parish and Dave DuFour recap an eventful weekend around the NBA as LeBron James and Isaiah Stewart tangle in Detroit, Klay Thompson is cleared for full contact practice, and Luke Walton is fired by the Kings. The Warriors and Suns both continue their winning ways picking up a couple more victories over the weekend to move to 15-2 and 13-3 respectively. Learn more about your ad choices. Visit megaphone.fm/adchoices

As a real estate investor, you want to find properties where your investment dollar will go the furthest. To help you do that, we compiled a list of the top 10 cheapest states to buy a house in America in 2021. We analyzed data from several sources to find the least expensive states and the most affordable cities in each of them. In this episode, Tom, Michael, and Emil run through the top ten states. They highlight important metrics and discuss what this means for investors.  --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate 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 Shour and today I'm joined by Tom Schneider and Michael Albaum. In today's episode, we're going to be covering the top 10 cheapest states to buy a house in 2021. So this is from an article off the roofstock blog that I wrote a while ago called the top 25 cheapest ways to buy a house in 2021. We're going to run through some of the numbers like median home value, one year price change five year price change and median rent to give you guys an idea of which markets may be good to target or at least do a deeper dive into So let's hop into this episode   Emil: Alright guys, so this is actually a blog post I helped create on the Roofstock blog, and it's covers the top 25 cheapest states to buy a house. We're going to cover the top 10 And just to give everyone some context, the data here is from Zillow for home values and historic price trends. And that is as of June 2021 So that data is a couple months old but still you know relatively easy for people to kind of compare the top 10 We also have the median rent data is coming from go banking rates and the median rent of a three bedroom place and I'm gonna just run through the top 10 But before I do Tom you look like you have something a burning question…   Tom: I do my mouth is like like half open alright a meal in writing this article states a pretty big area you know a big Is there a reason why it wasn't at like a metro just because like it I think of cheapest I mean you know California is a great example you know you can live in a very expensive area or you can live in a very less expensive area.   Emil: Yes   Tom: Curious. Go ahead.   Emil: Great point Tom. i We don't have an article around the best the cheapest cities I think just because there are so many unique city so look at that it would be very hard to compile the data. So we have cheapest states. I think it's just easier to get 52 data points rather than I don't know 1000s   Tom: Fair fair fair. I think there's I think there's I think there's a middle ground in there as well you know between from from city or whatever to state I dig I'm I'm picking you out a little bit I like I like this let's get into it. Let's get into it.   Emil: Tom just ruined the episode and we'll end it here. So thanks, Tom.   Michael: Timeout you said you said 52 So are we talking territories as well like Guam and Puerto Rico?   Emil: I Have not attended a geography class in quite a long time Michael so I don't even know if I'm correct in saying 52 Or if it's 50.   Michael: 50 states.   Emil: 50 states you know what? I'm just I'm done with this episode. guys. You guys take it from here   Michael: Emil's like enough of this so I don't get fired like enough of this. Just trying to help you out.   Emil: I'm doing you guys a favor. How about that? Alright, so let's let's get into this. I'm curious if you guys can get some states in the top 10 If you had to guess. Pick three each you guys…   Tom: Is Mississippi on the list.   Emil: Ding ding ding Tom one for one.   Tom: All right, Michael, your opportunity to take the lead. Do your two guesses…   Michael: Show me Alabama.   Emil: Alabama? Ding ding ding correct as well. All right, one one here.   Tom: Show me Louisiana.   Emil: Louisiana is a not in the top 10   Michael: Ah, man. All right.   Emil: First incorrect answer. Tom. What do you have?   Tom: I got two guesses here. We're tied one to one. Show me Arkansas.   Emil: Arkansas is ding ding ding in the top 10   Tom: All right. No looking at anything on your on your computer. Michael.   Michael: Keep your hands where I can see them   Tom: Show me Oklahoma.   Emil: Oklahoma in the top 10 Ding ding ding Tom is a liar. For three Mike. Michael you can you can take a consolation swing here and at least try to get two out of three. So   Tom: Earn your blue ribbon or purple.   Michael: That's right. That's right.   Tom: The one they give to the kids.   Michael: Show me, Ohio.   Emil: Ohio is in the top Ding ding ding.   Tom: There you go, Michael.   Emil: Alright, so Michael finishes two out of three. Tom three out of three. Stellar. Perfect.   Michael: Wow. That's what Tom's used to hearing.   Emil: Very impressed, guys.   Tom: That's kind of how I operate. I thrive on positive reinforcement. Thank you Emil.   Emil: You're welcome, alright, let's start at the let's, let's work our way backwards. So we'll, we'll start at 10. And then we'll go to number one and   Michael: Are these in order of pricing.   Emil: 10 being the least cheap. Exactly, yeah. So it's by median home value. So the cheapest will be number one in terms of median home value according to Zillow data. Alright, so number 10. We have well let's just keep this going. Thing number 10 is   Tom: Indiana   Emil: Jesus Tom, Have you have you read this article?   Michael: He memorized the last night before bed.   Tom: No, that's it that's great. That's good. I mean Michael said Ohio Michael said Ohio so I just figured you know someone who's kind of friends with Ohio   Emil: Tom you need to go make a lot of bets today because you're on it. So please just go like buy some alt coins and stocks and whatever today go buy a rental property till you can't miss today. Alright, so Indiana number 10 median home value comes in at 185,805. Our one year price change so looking at one year ago compared to today? Well this is as of June 2021 13.2% Five year price change 45.3% In the median rent on a three bedroom place I think this looks at apartment and a house from go bank rates $1,052   Tom: Some some gross yield there.   Emil: All right. So that's that's Indiana. All right, who's number nine Michael you get first shot.   Michael: And it's not one of the ones we've already named?   Emil: It is one of the ones you named?   Michael: Oh, shoot.   Emil: I'll give you one further, it's the one you it's one you named?   Michael: Oh, man. So I got a 50/50 shot. I'm gonna say Ohio.   Emil: Bing bing bang Ohio coming in at number nine. So our median home value in Ohio $181,756. Or one year price change 14.4%. And our five year price change coming at 45.3%. And median rents on that three bedroom place is $1,024.   Tom: A price change is so crazy. I mean, all those numbers   Michae: That's unbelievable.   Emil: Oh, actually, ooh, this this article has the cheapest lists like three or four cheapest cities within these states to buy a place. So I don't know where that was pulled. Exactly. Let me see if I can find it real quick from this article. So from Yahoo, cheapest place. So it was an article called The cheapest places to buy a home in every state. So that's where this looks at. All right, so Tom, maybe we get some of the stuff you're looking for. So I'll backtrack a little Indiana. The cheapest cities to buy a house are Gary Anderson, Muncie and Richmond. And then for Ohio. We have Youngstown, Warren, Dayton and Marion.   Emil: Alright, so number eight. I'll go ahead and just dive right in Kansas comes in at number eight. Our median home value is $176,898. Our one year price change not as high as number 10 or nine coming in at 11.3%. And our five year price change coming in at 33.8%. Our median rent comes in at $1,050 on a three bedroom place. Our cheapest cities within Kansas are Hutchinson Kansas City, Topeka and Salina.   Michael: Topeka, capital of Kansas.   Tom: You guys all invest pretty in that around that area. Do you guys have an exposure to Kansas? Or you're more of Missouri?   Emil: I'm Missouri.   Michael: I've invested in Kansas City, Kansas doing a flip out there so that's almost getting wrapped up?   Emil: Are you in the Kansas side or the Missouri side?   Michael: On the Kansas side? I'm like fairly certain I double check. Which sounds ridiculous as I'm saying those words.   Emil: Alright, moving on to number seven. I think you guys guessed this one as well. I don't remember who said it   Michael: Probably Tom because I mean he's flawless.   Emil: So it's Alabama who said Alabama?   Tom: I was gonna I was gonna say it I missed out I was gonna I was gonna guess that was the one.   Emil: Oh my god this guy is just he can't miss that.   Michael: That was me. That was me. Michael had Alabama. Yeah. With the second of my, one of two. Yeah.   Emil: All right. So Alabama median home value coming in at $170,184. Our one year price change 11.9%. Our five year price change. We have 34.6% and our median rent on a three bedroom place coming in at $1060 Cheaper cities within Alabama to buy a house are Gadsden Birmingham, Montgomery and Phoenix city or Phenix City   Tom: Another market Michael has some exposure to   Michael: Yep, yeah. Birmingham Alabama   Emil: Birmingham. Number six Michael is another place you invest in so go for it. What do you got here? What state   Michael: Oh,   Emil: We already covered Ohio so what else could it be? Other side of Ohio. Oh, other side of where you invest in Ohio,   Michael: Tennessee? Kentucky? Kentucky like South. I guess it kind of like like,   Emil: Yeah, Cincinnati right south of Cincinnati. Yeah. Toki See, I know what I'm talking about.   Michael: Geography is tough man.   Emil: Alright, Kentucky median home value we got $168,998 our one year price changes 10.8% or five year price change. We have 36.3% and our median rent on a three bedroom place comes in at $1,025. Our cheapest cities to buy a house within Kentucky are Hopkinsville Covington. Owensboro. And bowling green.   Michael: Oh, Convington made the list man. Covington that's where I heavily invest. Yeah, it's   awesome.   Tom: Kind of related talking about like, you know, West's of states are directional. There was this. I think it might have started on Tik Tok. This guy's like, he said, he's at a there's like a music playing in the background. He's like, Okay, here's the situation. And they're playing like, West Virginia. Take me home.   Michael: Country Road, right?   Tom: And he's like, here's the situation. This song is not about West Virginia. It's about the western part of Virginia. And that, like, closes and then opens them just like super hungover the next day. It's like, is there something like that's just like, so perfect about that. Here's the situation. I mean, I hope this stays in the episode because people who've seen this will be like, Yeah, that's   Michael: Really relatable.   Tom: But the western part of Virginia, not West Virginia. Anyways, continue.   Emil: I've seen tic tock videos I've ever actually been on tick tock. It just sounds like a black hole of silly videos.   Tom: Yeah,   Michael: I think that's a fair assessment.   Tom: Yeah, yes. Me too.   Emil: Is there other types of videos? Or is it just silly videos? It's only thing I've seen like silly tick tock video clips.   Tom: I think that's it. But it's funny all like a lot of it does ends up going on to other platforms too. So.   Emil: Right, right. I think I've seen them on YouTube. Anyway, moving on. Number five, we've got Iowa our median home value in Iowa we have $165,955 or one year price change coming in at 6.8%. Five year price change 23.1% And our median rent $1,021. Something interesting that I'm noticing as we climb up the list in cheapness is that the percentage price change so appreciation is getting lower and lower so far.   Tom: Huh? Interesting,   Michael: Seemingly, and also that the median rent is fairly consistent.   Emil: That too, yeah, median rent is hovering around 1000 bucks a little over 1000. All right, cheapest cities within Iowa to buy a house. We got Waterloo, Sioux City, Davenport and Council Bluffs.   Michael: Okay,   Emil: All right. Number four, Oklahoma, which I think you guys I think somebody mentioned   Michael: Tom mentioned   Michael: Tom!   Tom: Windy City, Mr. Three for three   Emil: Windy City. Man somebody is worse that geography than me. All right, Oklahoma. median home value $150,754. One year price change 10.4%. So stepping up a little bit from our Iowa numbers. Five year price change coming in at 29.1% in our median rent on a three bedroom place $1,015 Or cheapest cities to buy a house within Oklahoma or Muskogee, Muskogee Lawton Shawnee and Enid. I probably butchered every single one of those.   Michael: Yeah, if anybody knows the proper pronunciation, please feel free to leave us a comment.   Emil: Spell it phonetically for us. Alright, number number three we get into top three good stuff. All right. I think someone mentioned Arkansas as well or console comes in number   Michael: Tom again.   Tom: Mr. Three for three did.   Emil: Alright Arkansas.   Tom: T for T for short. TFT   Emil: Our median home value on Arkansas $149,120 our one year price change 10.4%. Our five year price change 30% And the median rent falling below $1,000 For the first time $926. Our cheapest cities within Arkansas to buy a house are Pine Bluff. Texarkana North Little Rock and Fort Smith.   Tom: I like Oh, I like all these areas anyways, just having like visited and I don't know,   Michael: Have you visited all those areas?   Tom: I pretty much most of them yeah.   Michael: Like every single one that a meal is listed so far or just physically in Arkansas,   Tom: I haven't I haven't visited a lot in Iowa but I mean, Alabama, I've visited lots of Alabama. I had that. I don't know that we mentioned a weird deal where I played football in college at UC Berkeley at Cal and then I got hurt my senior year and then found a weird loophole that I couldn't play D one because my eligibility was expired, but I found a loophole allow me to play D two. So in the best D two football is like in the south, so I lived in Muscle Shoals, Alabama and we like traveled around a bus and like went to tons of these like spots in Mississippi or Kansas. Arkansas. Yeah. Hello. Ours are in Texarkana. I That's just proving me as a you know, not as a novice if by calling it that anyways, go ahead. Pass the mic.   Emil: Such a west coast dude   Michael: This is the situation this is a podcast is not about Arkansas.   Michael: It's about the western part of Ar…   Emil: Alright, number two, I think you somebody mentioned Mississippi did someone mention Mississippi?   Michael: Yep. TFT did   Tom: TFT, yours truly.   Emil: Median median home value in Mississippi we've got $140,818 One year price change 8.4% Or five year price change 24.7% In our median rent coming in at $989   Tom: This just my last derailing on that on living out there. So I had like mentally prepared for the heat. I was just ready right dog days and it was hot. But I ready. I had mentally said I'm going to sweat a lot. There's going to be kind of hot but I honestly I honestly kind of enjoy it like you know give me a sauna give me whatever steamroom what I was not prepared for is come wintertime it snowed a little bit there. And I was not ready. Yeah, right. It snows there.   Emil: I had no idea it snowed there.   Tom: It's not like feet, but you know, you'll get dustings every once in a while and Alright, number one, go ahead and do it. Interrupting cow, mooo!   Emil: Before you before you come in, we gotta we got to talk about our cheapest place to buy a house within Mississippi. Okay, those are Jackson Greenville Meridian Gulfport, so now.   Michael: All right  All right. All right.   Emil: One. I don't think anyone guessed it. It was West Virginia.   Michael: This is a situation.   Tom: Wait  the western part of Virginia?   Emil: How ironic and perfect could that have been   Michael: That is so good.   Tom: TFT.   Emil: See, you can't miss today I'm telling you. Take every dollar you have and you'll make any investment that you possibly desire to get good day for you. That's West Virginia. Number one. median home value. We're dropping off a bit from number two. So 117,768 is our median home value one year price change at 7.1%. Five year price change 19.3% In our median rent for a three bedroom place, coming in at $912 our cheapest cities within West Virginia to buy a house Bluefield, Clarksburg, Beckley and Huntington. And there you go top 10 cheapest states to buy house in 2021.   Michael: So what are each of your biggest takeaways from this?   Emil: I think I already mentioned mine, I was surprised that the percentage change didn't like, I would think the cheaper the house is, you know, a $5,000 increase on 117,000 versus 160,000 is gonna be a higher percentage. I was expecting the percentage to be higher in price changes when it wasn't so that was surprising to me.   Tom: My surprising is in some of the states it's like they're like It's like bigger cities that are the least expensive one so like Arkansas, like Little Rock is I think might be the capital I love like in like capital cities and just in that there's like kind of like a natural draw for like economy and, and all that kind of stuff. So it's cool in some of these less expensive in some less expensive states like you can buy, you know in that whatever Capitol Corridor, whatnot city or like around the suburbs and still have less expensive so I thought that was an interesting tidbit.   Michael: Nice.   Emil: How about you, Michael?   Michael: MIne was just you could go to the 10 cheapest cities and over the last five years. Get A 20% increase on your value by doing literally nothing. And so it's crazy when we talk about the power of real estate and all of the great benefits that it has, like, if you bought a property there, for 100, grand five years ago, it'd be worth 120 grand today, like, that's unbelievable for the fact that you were getting paid probably that whole time, too, with a tenant in place. So like, it's just, it just speaks volumes to the power of real estate and how the multiple ways that it pays you even in like, less expensive markets is pretty profound   Emil: Ya true.   Tom: Yeah. I think also, Michael and I, we've done a bunch of webinars together, and one of them, we were going through some assumptions around building a passive income flow of $100,000. And within the assumptions, I think we had the purchase price, like somewhere north of $100,000. And like, someone had commented, like, Hey, you can't buy a house for 120,000 or 100 and whatever it is, like, yes, you can like that. You definitely can. And yeah, these are all 10 states in which that is very doable.   Michael: Yeah. And it was funny, I was like, I'm pretty sure I just bought two of them not to like shame that person. But I was like, guy, you just like incorrect with your facts, like I literally just bought two of them. So   Tom: I think it's a good exercise of like, kind of taking blinders off. Like perhaps that is your strategy only to buy in these really large cities. And that's great. And then you know, you can't buy $100,000 house or $150,000 house. But if you know, you're kind of open to moving around and shifting your strategy to meet specific goals, like there, there definitely are markets to do that.   Michael; I think even in some like in some of these bigger markets, and even capital cities, if the median home price is 100, you know, is $300,000, I'm sure you can still find properties for 150k. They just need a bunch of work. So depending on what your investment thesis is, and what you're prepared to do, I think that there are opportunities in every market, you just have to be willing to uncover them or be willing to do what it takes to then profit from those opportunities.   Emil: I've seen that a lot of like, like Midwest cities, like I invest in St. Louis, and there are their homes that sell for a million plus still even in St. Louis, and their homes that sell for 50k. Like there's a huge, huge, huge disparity. You know, one home was probably built 120 years ago and is fully dilapidated and needs need some love and the other one is like a mansion but still like there. You can same city, you can have a huge disparity.   Tom: Hey, guys, I think we're going full circle from the very beginning of the episode, when I was kind of teasing a meal about, Hey, why did you guys do states? Why don't you do like a little bit, you know, not like the largest possible, you know, where even within each city like there's just, you know, really dramatic range. I mean, here in the Bay Area where I live in Northern California, you know, there's much smaller cities like not smaller, but less expensive, right. You know, perhaps Richmond or Vallejo or like Stockton and then you have areas like Piedmont and Menlo Park and all of these spots. So you know, even at every, every level, there's just really dramatic range.   Emil: Yep. But in California there there is definitely no $100,000 properties, that's for sure. Maybe a shed in someone's backyard, but that's about it.   Tom: Working on one right now.   Emil: Are you doing a shed? Are you building an ADU?   Tom: Uh, it's in a level electrical. It won't have a bathroom in it.   Emil: It's made to be like your office like an office area   Tom: Exactly. Office gym 10 by 18 I kind of wish I did it a little bigger like man 12 by 20 would have been like kind of fun but 10 by 18 is still very good it's basically the equivalent of like two rooms in one room so and doing prefab I think I've talked about before but anyways, the long journey and getting it the concrete truck should be coming any any moment now to lay the piers for the foundation of it.   Emil: Alright guys, I'm gonna I'm gonna send this home before we meander as we always do. So if you've made it this far, thank you for watching. Thank you for listening, and we will catch you on the next episode. Happy investing.   Tom: Happy investing.   Michael: Happy investing.

Jared Weiss and Mo Dakhil break down the top NBA games and stories from Thursday, November 18th. The guys talk about Steph Curry's explosion in the 4th q in a comeback W's win, the Heat beat the Wizards by 15 pts and the 76ers beat the Nuggets by 14 pts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Joined by Ryan Gano- CEO of All Access GTE, a Full Service Golf Experience Travel Company based in Marlton NJ. Hear about amazing experiences and Ryan's new Podcast with 2x NBA Champ JR Smith, Unlocked! A Recap of Hat's Off For Tals at The 1912 Club, Jason Kokrak's 3rd win at The Houston Open and Preview The RSM Classic & DP World Championship.They See The Line with Draft Kings with some favorites, longshots, matchup plays and Top 10's. And remember- Cynch- Propane Grill Tank Home Delivery- New Customers Use Code SWING to get your first Tank for just $10! Give it a listen!Thank you to our Sponsors: Cynch, Arnold Palmer Spiked!, X-Golf Garnet-Valley, Draft Kings Sportsbook, Dr. Glat- Philly's Leading Hair Restoration Doctor.

为你读英语美文 · 第436期《海神的呼唤》Full Fathom Five · 永清主播：永清Full Fathom Five《海神的呼唤》作者：William Shakespeare，译者：网友Full fathom five thy father lies令尊沉睡于五英寻的海水之中Of his bones are coral made他的身躯化作珊瑚Those are pearls that were his eyes他的眼睛化作珍珠Nothing of him that doth fade他的一切都不曾消失But doth suffer a sea-change伴随着海的变迁Into something rich and strange幻化为陌生之物rich and strange奇异而多彩Sea-nymphs hourly ring his knell海之女神用死亡向他召唤Ding-dong bell叮咚Hark! now I hear them —Ding-dong bell听，这丧钟为他敲响，叮咚生词解析fathom [ˈfæðəm] n. （测量水深的长度单位）英寻1英寻=1.82米，5英寻=9.14米thy [ðaɪ] 古英语 your doth [dʌθ] 古英语 doesnymphs [nɪmfs] n. （神话中）居于山林水泽的美丽仙女knell [nel] n. 丧钟声hark [hɑːk] vi. 听（常用于命令句）Hi，你好，我是永清，欢迎收听为你读英语美文，刚才我为你读文字的出自莎士比亚的戏剧《暴风雨》。在戏剧中，旧米兰公爵命令精灵在海上制造风浪，使得那不勒斯国王和他的船队沉没，国王和王子在风浪中被冲散了，就在王子以为父亲已经葬身大海的时候，精灵在他的身旁唱起了这首歌。永清：毕业于西安外国语大学微信公众号：为你读英语美文文章，音乐，图片非商业用途，版权归作者或版权方所有

Jared Weiss, Mo Dakhil & Anthony Slater break down the top NBA games and stories from Tuesday, November 16th. Athletic Warriors writer Anthony Slater joins the guys to talk about the Warriors 18 pt win vs the Nets. Jared & Mo then break down the Clippers beating the Spurs and the Staples Center getting renamed Learn more about your ad choices. Visit megaphone.fm/adchoices

Tarek Rasouli ist eine Freerider-Legende. Seit seinem Mountainbike-Unfall ist der mittlerweile 47-Jährige querschnittsgelähmt. Der Münchener mit irakisch-iranischen Wurzeln spricht über seine Anfänge auf dem BMX-Rad, berührende Reaktionen aus der Bike-Szene und warum er heute extreme Fahrradevents organisiert. Über schüchterne Podiumsgänge, naive Agenturgründung und Lauftraining mit dem bionischen Anzug. Doku über Tarek: https://www.redbull.com/de-de/films/the-reinvention-of-tarek-rasouli (02:18) Passkontrolle (04:20) Vorstellungsgespräch (06:40) Klischee-Check (07:40) Familie & Schule (12:18) Rad-Sport: BMX mit 9 Jahren und erste Erfolge (24:16) "Mein Vater war überhaupt nicht begeistert" (31:43) Fahren in der Weltspitze - "Rockstar war nie mein Ding" (36:55) Unfall beim 12-Meter-Sprung: "Da bin ich zu weit gesprungen" (47:25) Reaktionen, Reha und quälende Fragen "Ich wusste nicht, wie es weitergeht" (55:04) Agenturgründung: Events, Betreuung und Arbeiten mit der Schwester (1:02:04) Lauftraining im bionischen Anzug Diese Folge ist Teil der "Work-Edition" mit dem Schwerpunkt Arbeit. Sie wird unterstützt von LinkedIn. Der Halbe Katoffl Podcast ist eine Gesprächsreihe mit Deutschen, die nicht deutsche Wurzeln haben. Moderator ist der Berliner Journalist Frank Joung, dessen Eltern aus Korea kommen. Es geht um Themen wie Integration (gähn), Identität (ah ja) und Stereotypisierungen (oha) – aber eben lustig, unterhaltsam und kurzweilig. Anekdoten aus dem Leben statt Theorien aus dem Lehrbuch. Linkedin: https://www.linkedin.com/in/frank-joung-76-fjo/ Website: https://halbekatoffl.de Instagram: https://www.instagram.com/halbekatoffl/ Facebook: http://www.facebook.com/HalbeKatoffl Twitter: https://twitter.com/HalbeKatoffl

Mark Schindler and Dave DuFour breakdown a loaded Monday night around the NBA. The Bulls rout the Lakers in LA on the back of DeMar DeRozan's 38 points. The Mavericks take out the Nuggets thanks to another solid Kristaps Porzingis effort. The Suns win their 9th straight thanks to a wonky finish my the Timberwolves. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sean's car gets hit in my driveway, a coke shortage affects me, Build Back Better (Without Men), an all fat Hooters, Cart Narcs calls in about Dr. Phil, Tammy has the last laugh as Lowtax goes to Greenland; all that and more this week on The Dick Show!

Keith Parish and Dave DuFour recap with news from the weekend and check in on a few teams streaking at the top of the standings. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tim Lin joins Timmy on air to discuss how helicopters handle CHP pursuits! Ding dong!

Jared Weiss & Mo Dakhil break down the top NBA games and stories from Thursday, November 11th. The guys talk about the Clippers cooling down the Miami Heat in the 2nd half for the win, the Pacers surprising the Jazz & the Raptors taking a bite out of the 76ers Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Schlecht and Law Murray break down the big time 13 game night in the NBA. They go deeper on the Pistons defeating the Rockets and the Lakers beating the Heat and touch on all the other games around the association. Learn more about your ad choices. Visit megaphone.fm/adchoices

Joined by Michael Tallarida, son of Mike Tallarida, LIVE from the 1912 Club for the "Hats Off For Tals" golf outing! Michael gives a preview of the outing and the course conditions, as well as some stories of recent courses he has played at. The guys recap the Worldwide Technology Championship at Mayakoba, Moose talks about his trip to Casa De Campo and the guys give a preview of the Houston Open.They See The Line with Draft Kings with some favorites, longshots, matchup plays and Top 10's. And remember- Cynch- Propane Grill Tank Home Delivery- New Customers Use Code SWING to get your first Tank for just $10! Give it a listen!Thank you to our Sponsors: Cynch, Arnold Palmer Spiked!, X-Golf Garnet-Valley, Draft Kings Sportsbook, Dr. Glat- Philly's Leading Hair Restoration Doctor.

Ding, dong, the OBJ tumor is officially dead. The Browns released the primadonna wide receiver and promptly rolled to a 41-16 victory in Cincinnati over the in-state rival Bengals. DJ, Ramzy, and Eric step back into the Factory of Sadcast airwaves to discuss Super Bowl parade plans, Baker Mayfield, the Dublin Dad's 69er and Sunday's game in Foxboro against the Patriots.0:10 What a Difference a Week Makes2:50 Odell Beckham Sr. = Real MVP?4:58 What Made Sunday so Invigorating?11:45 OBJ is Unemployed13:44 LSU Players are Mostly Trash17:06 Baker Mayfield: Permanently Off Notice?21:05 Browns COVID Running Backs22:55 The Dublin Dad's 69er26:50  Listener Mail28:45 Michael McCorkle Jones is on Notice31:30 Big Week Coming for the #HandsomeCoach32:35 How Unexpected Was This Weekend's Outcomes?33:25 Our Country Needs Better Officiating39:40 Not a Normal Sunday40:58 DM of the Week41:45 PredictionsSupport the show (https://www.paypal.me/sadcast)

We welcome Dan Thiel back to the podcast for the second part of the series discussing the history and formation of Ducks Unlimited. In this episode, Dan and host, Katie Burke, take a side bar and chat about the influence of Jay “Ding” Darling on waterfowl and wetland conservation in the United States. The pair discuss Darling's pivotal role in creating the Federal Duck Stamp program and other works ultimately influencing the direction of DU. www.ducks.org/DUPodcast

Only three games on the slate for Tuesday night, but plenty of action. Mo Dakhil and Dave DuFour discuss the night's games and the NBA's handling of the incident between Nikola Jokić and Markieff Morris, Learn more about your ad choices. Visit megaphone.fm/adchoices

Die Börsen befinden sich im Metaverse-Fieber. Aktien wie Nvidia oder Roblox explodieren. Die Finanzexperten Dietmar Deffner und Holger Zschäpitz streiten darüber, ob es sich um eine Modeerscheinung handelt oder sich das Internet zu einem dreidimensionalen Ort mit unendlichen Gewinnmöglichkeiten wandelt. Weitere Themen: Zschäpitz hat in der heimischen Corona-Quarantäne die Schnell-Lieferdienste getestet. Deffner warnt vor Kryptobetrug und gibt seinen Bullen für einen indischen Payment-Anbieter, der demnächst an der Börse ist. Zschäpitz nennt die Biotech-Favoriten seines jüngsten Jogging-Partners und gibt für die zweistellige Anhebung der Renten seinen Bären. Was bedeutet der Kauf der beliebten ETF-Informationsseite justETF durch Scalable? Kaldemorgen vs. Beckers: kommt es zum großen Krypto-Duell zweier Investmentschwergewichte? Neuigkeiten zum Hoodie. +++ Werbung +++ Mit der Consors Bank kannst Du als Neukunde in den ersten sechs Monaten Aktien, ETFs, Fonds, Derivate und vieles mehr KOSTENLOS handeln. Und alle Young Trader – also Kunden im Alter zwischen 18 und 25 – können das Angebot sogar zwei Jahre lang kostenlos nutzen. Alle Infos findest Du im Netz auf https://www.consorsbank.de/ev/Aktionen/cyber-deals

Jared Weiss and Tray Edwards break down the top games & stories in the NBA from Monday, November 8th. The guys break down Jokic clobbering Markief Morris from behind in the Nuggets win, Steph drops 50 on the Hawks in a Warriors 14 pt win and the Bulls dominate the Nets Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith Parish and Dave DuFour recap the biggest stories and top performances from the weekend, including the big matchup between the Miami Heat and Utah Jazz. Learn more about your ad choices. Visit megaphone.fm/adchoices

DaBell is annoyed by all unwanted pregnancy advices. http://dts.podtrac.com/redirect.mp3/dingdabell.com/media/Ding-2021-11-07.mp3 :: download file :: listen on iPhone & iPad :: Follow us on Twitter @DingDaBell Follow DingDaBell on Instagram @DingDaBell Follow John Ong on: Twitter @JohnOng Instagram: @John.Ong

Andrew Schlecht and Jovan Buha discuss the Nets big victory against the Hawks, the Warriors beating the Hornets with the "other guys", Philly beating the "back" Bulls, Lillard's desire to stay in Portland, and much more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Joined by Gavin Perret, CEO of the most iconic golf brands- Penfold! Hear the incredible history of the company and where it's headed in the near term. A recap of the bizarre Butterfield Bermuda Championship & Lucas Herbert's first win on the PGA Tour. PGA Tour Rules Change, Moose headed to Casa De Campo and info on the Hats Off For Tals Golf Outing. A preview of the stacked field at the Worldwide Technology Championship at Mayakoba.They See The Line with Draft Kings with some favorites, longshots, matchup plays and Top 10's. And remember- Cynch- Propane Grill Tank Home Delivery- New Customers Use Code SWING to get your first Tank for just $10! Give it a listen!Thank you to our Sponsors: Cynch, Arnold Palmer Spiked!, X-Golf Garnet-Valley, Draft Kings Sportsbook, Dr. Glat- Philly's Leading Hair Restoration Doctor.

Jared Weiss & Mo Dakhil break down the top NBA games and stories from Tuesday, November 2nd. They talk about LeBron leading the Lakers to a comeback win, the Jazz beating the Kings, Suns exploding late to beat the Pelicans & the Heat dominating the Mavericks. Learn more about your ad choices. Visit megaphone.fm/adchoices

Travonne Edwards and Dave DuFour react to the Blazers bad loss against a depleted 76ers team and the Celtics epic collapse against the now 6-1 Chicago Bulls. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith Parish and Dave DuFour are back with another Weekend Update after week 2 in the NBA Regular Season. Cade Cunningham's debut, the Celtics and Wizards had a wild one, and a couple of teams should be sweating. Learn more about your ad choices. Visit megaphone.fm/adchoices

This chapter was so good, it had to be three parts! Join us as we discuss part 3 (DING) of chapter 7 (DING) of Harry Potter and the Half Blood Prince, The Slug Club! Are you a Horace fan – yea or nay? Weekly Prophet: https://people.com/tv/helen-mirren-harry-potter-hogwarts-tournament-of-houses-first-look/ Join us on another adventure into the Wizarding World! Don't forget to click the 3 dots in the corner and share the episode with your Potterhead friends and family! Check out our website for all of our latest news, merchandise, FAQs, and more! www.swishflickcast.com We have a mailbox! If you ever have the inclination to send us anything please address mail to the following: Swish and Flick Podcast PO Box 690697 Orlando, FL 32869 Our voicemail number is: 330-552-7043 Welcome to Swish and Flick! We post weekly podcasts and vlogs for you that are all about The Wizarding World of Harry Potter. We hope you will subscribe to us and follow us on our adventures! Support the podcast and become part of the pod as a patron and receive exclusive podcast perks! Gain access to our exclusive felix files episodes, discord channel, live recordings, trivia games, swish swag boxes, live hangouts & more here: www.patreon.com/swishflickcast Thank you so much for all of your support! You can find us at the handles below: Instagram: @SwishFlickCast Twitter: @SwishFlickCast Facebook: www.facebook.com/swishflickcast Your hosts can be found on: Twitter: @thepetrasfamily @tiffswish_flick Instagram: @thepetrasfamily @ohhhmalley @tiffswish_flick Thank you so much for listening and don't let the muggles get you down...

Jared Weiss & Mo Dakhil break down the top NBA games and stories from Thursday, October 28th. The guys talk about the Grizzlies handing the Warriors their 1st loss of the season and the Knicks holding off the Bulls late for a win. Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Schlecht and James Edwards discuss the Thunder's come from behind win against the Lakers in OKC, the Kings buzzer beater against the Suns, and all the other games from around the league. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jared Weiss & Mo Dakhil break down the top NBA games and stories from Tuesday, October 26th. The guys talk about Russ Westbrook going off in OT in a Lakers win, Jokic hurting knee in a Jazz loss and what's the deal with the Mavericks Leadership Council? Learn more about your ad choices. Visit megaphone.fm/adchoices

Travonne Edwards and Dave DuFour recap a busy Monday night in the NBA. The Bulls become the first team to win 4 games on the back of 26 points from DeMar DeRozan, Boston capitalizes on a Hornets OT collapse and a 41 point game from Jayson Tatum, and the Clippers mollywhopped the Blazers. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith Parish and Dave DuFour recap an exciting first weekend in the NBA. The Bulls, Hornets, and Warriors all made it to 3-0. Ja Morant nearly gives the Memphis Grizzlies the Los Angeles Back to Back sweep, but a missed free throw allows the Lakers to hold on for their first win of the season. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jared Weiss & Rich Hoffman break down the top NBA games and stories from Thursday, October 21st. The guys talk about the latest going on with Ben Simmons, Steph Curry goes off in a win vs the Clippers & the Heat dominate the Bucks. Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Schlecht and Mo Dakhil discuss the Celtics Knicks double OT classic, and then bounce around the NBA on the 2nd night of action. Learn more about your ad choices. Visit megaphone.fm/adchoices

The NBA Regular Season is back! Jared Weiss and Dave DuFour breakdown the first two games of the season. The Milwaukee Bucks destroyed the Brooklyn Nets 127-104, led by Finals MVP Giannis Antetokounmpo's 32 points, 14 rebounds, and 7 assists. The Golden State Warriors defeated the Los Angeles Lakers 121-114 behind Steph Curry's triple-double. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Athletic's Minnesota Timberwolves beat reporter Jon Krawczynski to discuss his feature on Anthony Edwards. Learn more about your ad choices. Visit megaphone.fm/adchoices