Podcasts about expensive

Discover 3 things that will get more expensive with interest rate hikes. What caused the stock market rally today? Are there signs inflation may be improving? The article is here. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 2% or 10% on your money over 30 years, is the difference between it growing to $181,136 or $1,744,940, an increase of over $1.5 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? -Asset allocation model with stock and crypto ticker symbols and percentages to invest -Monthly VIP investing webinars with Linda -Private VIP Facebook group with daily interaction with Linda -Weekly VIP stock market & crypto update emails -Lifetime access with no additional cost -US and foreign investors, no minimum $ amount required Extending the special offer, enjoy a 50% savings on the VIP Experience by using promo code "SAVE50" at checkout. More information is here or have a complimentary consultation with Linda to answer your questions. For an appointment to talk, click here. QUANTUM BOOK BONUSES These bonuses are available when you buy my newly released book, 3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies on Amazon, here.  As a thank you for buying the book on Amazon, you will receive a: Set of 4 Wealthy Mindset Blueprint audio recordings to help you create a wealthy mindset ($197 value) Webinar with Linda called “Financial Freedom by Investing in Cryptocurrencies” ($1,500 value) On the webinar you will learn: -The wealth building potential of the 8 cryptocurrencies mentioned in the book -Why they will experience exponential growth -Strategies for accumulation The link to the book bonus page is here.  WANT TO BUY STOCK PRE-IPO? For Accredited Investors, sign up to receive a $250 credit from Linqto, click here. If you are watching this on YouTube, you will need to copy and paste this into your browser: https://www.linqto.com/signup?r=e9tdhbl49v  PLEASE REVIEW THE SHOW ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". PLEASE LEAVE A BOOK REVIEW FOR THE WEALTH HEIRESS BOOK Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH MENTORING LIBRARY OF PODCASTS Listen to the full wealth mentoring library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. TODAY'S SPONSOR Get Think and Grow Rich or another book from my recommended financial books list, and be sure to get started checking off the books you have read. Be Wealthy & Smart, is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor™. Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)  

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EPISODE SUMMARY Max discusses why if you're serious in learning a new skill that it's best to invest financially from the start to build your foundation, then trying the free route and figuring things out through trial and error. Based on this past week's episode with Emily Hill on how to be a software developer and make 6 figures without a degree.    TIMESTAMPS [2:06] The more money you invest the more you will be committed to the process [3:34] The importance and value of accountability and getting real customized feedback    RESOURCES & RELEVANT LINKS Chan With A Plan Chan With A Plan Facebook Group

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Jim DeRogatis, co-host of Sound Opinions, frequent contributor for The New Yorker, and Columbia College College Associate Professor, joined Bob Sirott to talk about the reason why a majority of concert tickets are so expensive. He also discussed why some artists charge more for tickets than others and why it’s nearly impossible to buy the […]

In this episode we discuss the cold hard truth that kids are just really, really expensive. Childcare is one of those things that can be complicated and expensive. We review some options for childcare and how to get a little cutback on the cost of that. We also discuss how much is reasonable to spend on an engagement ring, debate if second homes are worth purchasing, discuss the merits (or lack thereof) of robo-advisors, and review some of the ins and outs of Roth conversions. See show notes here: https://www.whitecoatinvestor.com/kids-are-expensive-262 Our sponsor, Bob Bhayani is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time White Coat Investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or if you just need to get this critical insurance in place, contact Bob at https://drdisabilityquotes.com today. You can email info@drdisabilityquotes.com or call (973) 771-9100. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Nikki fills you in on everything you may have missed overnight  See omnystudio.com/listener for privacy information.

This week Erica and Bobby go down the wormhole that is weekly weird news. We discuss Bobby's journey into eating pizza again, goodwill finds, how to mess up an alien, and if a security guard should protect against ghosts.  Also enjoy Erica's alien survival film Tin Hats Activate! Cheers!   Join our Patreon! For $2 a month receive an extra episode each week!  Nightgeist swag and more is waiting for you!  Please Subscribe, Rate, & Review Us! Email us your experiences with the unknown at nightgeistpod@gmail.com . Call/text us your tales of spooky at 707-200-3898 . Follow us on Instagram  @Nightgeistpodcast . Check out our website: https://www.nightgeistpod.com/ . AND merch @ https://Nightgeist.threadless.com/

Update on Johnny Depp vs Amber Heard defamation trial - YDLMF style ‘A glimmer of hope' - Madeleine McCann Craig David's obsessed stalker who believes she's his girlfriend grins at court

This episode is sponsored by Better Help.  Join over 1 million who have taken charge of their mental health. Receive 10% off your first month by visiting http://www.betterhelp.com/InvestYourBest**In honor of Mental Health Awareness this month, Ali dives deep into what mental health is, how it effects you and how the ultimate goal is mental health and wellness. By using "if it's costing you your mental health, then it's too expensive" as a guide to determine what small daily habits, relationships, friendships, work, etc. are costing you your mental health and ultimately bringing you further away from becoming your BEST self. **"Invest Your Best" Online Coaching is NOW AVAILABLE**Website: https://www.investyourbestwithalikay.com/Instagram : https://www.instagram.com/alexandrawille/TikTok: https://www.tiktok.com/@alexandrawille

Today we discuss constitutional carry, no consequences for your actions, Twitter and the one they call Musk, Dead Zero Range, TRAINING, Blue Alpha belts, PVS14 night vision, Harvey's Pistol And Pawn, and much more!! Thanks for listening! This Episode is brought to you by: Primary Arms, The Firearms Radio Network, The NeoMag, TrueShot Gun Club … 76 Tuesday Podcast 047-EVERYTHING IS SOOOOO EXPENSIVE!!! Read More »

NEW YORK — Andy Warhol's “Shot Sage Blue Marilyn” sold for a cool $195 million on Monday, making the iconic portrait of Marilyn Monroe the most expensive work by a U.S. artist ever sold at auction. The 1964 silkscreen image shows Monroe in vibrant close-up — hair yellow, eyeshadow blue and lips red — on a rich blue background.

Politicians never tire of coming up with ways to raise your taxes, and a carbon tariff is no different. Democrats say such a tax will fight climate change, but the truth is that it will only make life more expensive. Steve Forbes on why a carbon tax won't fight climate change but will increase the already rising cost of living.Steve Forbes shares his What's Ahead Spotlights each Tuesday, Thursday and Friday.

Being Offended Is Expensive Music Credit: Heroes Of The Light by Rafael Krux Link: https://filmmusic.io/song/5659-heroes-of-the-light- License: https://filmmusic.io/standard-license Mentioned in this episode: Summits Check out all my upcoming summits at https://www.guywhoknowsaguy.com/summits

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Is the Counseling Compact Good for Therapists? Curt and Katie chat about the brand-new Counseling Compact and what therapists may not know or understand about these interstate agreements. We explore the proposed benefits as well as the potential risks and complications like regulatory discrepancies and a lack of consumer protections. We also look at how big tech can benefit while individual clinicians may be left unable to compete in a larger market. In this podcast episode we talk about the new Counseling Compact and Psypact The counselors got their 10th state and officially have Counseling Compact to practice in other states. We thought it would be a good idea to talk about what that means (and what we might want to pay attention to). What is the Counseling Compact? Opportunities for practicing privileges (not licensure) in other states The complexity of putting together these interstate compacts Implementation and regulation hurdles Scope of practice discrepancies and concerns Law and Ethics practices across states Benefits of Interstate Compacts for Mental Health Providers Continuity of care Ease of meeting with clients who are moving around the country Bringing clinicians to areas where there is a workforce shortage Potential Problems with the Counseling Compact “This very much goes against, according to the FBI, any sort of patient protection – that any of these licensing boards are put into place in the first place: to protect consumers.” – Curt Widhalm Not bringing more clinicians, if only states with workforce shortages join Doesn't solve the infrastructure problems (i.e., stable Wi-Fi) for rural areas that typically don't have local therapists The people who most benefit: the big tech companies like Better Help The FBI is opposing this legislation due to lack of federal background checks Lack of consumer protection or consistency in what consumers can expect from their therapist Costs for the therapists to get practicing privileges Large gigantic group practices and tech solutions will contract with insurance and leave smaller practices unable to compete and required to be private pay Solving the Problems with the Counseling Compact “It may actually delay [a national license], because it's a band aid where people can go practice in other states. So why would I get a national license, if I can practice in a couple other states and not worry about taking another test, getting another background check…?” – Katie Vernoy Overarching regulation and expectations at a national level Federal bodies to oversee background checks and consumer protections Expensive, time-intensive We don't have universal healthcare, so insurance parity will need to be addressed (and not just by big tech) Our Generous Sponsors for this episode of the Modern Therapist's Survival Guide: OOTify OOTify. "OOT" or "uth" (उठ) means "lift up" in the Hindi language. OOTify is a digital health solution that acts as an evidence-based hub to unify relevant mental health resources. Community, Connection, and Collaboration are critical to OOTIFY.  As they lift the mental healthcare system, they ensure providers are part of the process. OOTIFY is a platform for providers, built by providers, and owned by providers. OOTIFY is the process of lifting up mental healthcare, while lifting each other up. We need to talk about our mental health. We need to make our mental health stronger so we can withstand the things that happen in our life. We're going to go through trials and tribulations. But if we can work on our mental health, proactively, our wellness, we can handle all that as a community and come together. People are more open to talk about these stories and say, “Hey, listen, I'm going through this too.” Do be you want to be a part of the solution by joining a new web three community focused on mental health and wellness? Join the OOTify community as an investor or mental health provider by visiting ootify.com/contact. You can also give us a follow on social media to stay tuned on exciting updates. Turning Point Financial Life Planning Turning Point Financial Life Planning helps therapists stop worrying about money. Confidently navigate every aspect of your financial life - from practice financials and personal budgeting to investing, taxes and student loans. Turning Point is a financial planning & coaching firm that helps therapists stop worrying about money. Dave at Turning Point will help you navigate every aspect of your financial life - from practice financials and personal budgeting to investing, taxes and student loans. He'll help you move through that feeling of being stuck, frustrated and overwhelmed... And arrive at a place where you feel relief, validation, motivation and hope. And for listeners of MTSG, you'll receive $200 off the price of any service. Just enter promo code Modern Therapist. Be sure and visit turningpointHQ.com and download the free whitepaper “7 Money Mindset Shifts to Reduce Financial Anxiety” Resources for Modern Therapists mentioned in this Podcast Episode: 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! Counseling Compact Psypact Very Bad Therapy Podcast Relevant Episodes of MTSG Podcast: Special Series: Fixing Mental Healthcare in America Fixing Mental Health in America: An interview with Dr. Nicole Eberhart, Senior Behavioral Scientist, and Dr. Ryan McBain, Policy Researcher, The RAND Corporation Online Therapy Apps Why You Shouldn't Sell Out to Better Help   Who we are: Curt Widhalm, LMFT 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, LMFT 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 with Curt, Katie, and the whole Therapy Reimagined #TherapyMovement: Patreon Buy Me A Coffee Podcast Homepage Therapy Reimagined Homepage Facebook Twitter Instagram YouTube   Consultation services with Curt Widhalm or Katie Vernoy: The Fifty-Minute Hour Connect with the Modern Therapist Community: Our Facebook Group – The Modern Therapists Group   Modern Therapist's Survival Guide Creative Credits: Voice Over by DW McCann https://www.facebook.com/McCannDW/ Music by Crystal Grooms Mangano https://groomsymusic.com/   Transcript for this episode of the Modern Therapist's Survival Guide podcast (Autogenerated): Curt Widhalm  00:00 This episode is brought to you by OOTify.   Katie Vernoy  00:03 OOTify is an immersive digital mental health ecosystem. It's designed to help minimize the fragmentation, trial and error and overwhelm felt by both patients and providers in the process of giving and receiving care. OOTify is the process of lifting up mental health care while lifting each other up.   Curt Widhalm  00:20 Listen at the end of the episode for more information.   Katie Vernoy  00:23 This episode is also brought to you by Turning Point.   Curt Widhalm  00:26  Turning Point Financial Life Planning helps therapists stop worrying about money. Confidently navigate every aspect of your financial life from practice financials and personal budgeting to investing taxes and student loans.   Katie Vernoy  00:39 Visit turningpointhq.com. To learn more and enter the promo code 'moderntherapist' for $200 off any service.   Announcer  00:47 You're listening to The Modern Therapist's Survival Guide where therapists live, breathe 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  01:03 Welcome back modern therapists. This is The Modern Therapist's Survival Guide. I'm Curt Widhalm with Katie Vernoy. And this is the podcast for therapists about things going on in the therapy worlds. And recently, the 10th state has joined the counseling compact, which initiates that it is all coming together for licensed professional counselors here in America. And what this does is creates a whole lot of space for people to make up what they think that it is. And we are here to correct that information. So, Katie, lots of things to talk about in this episode, what are your initial reactions.   Katie Vernoy  01:49 So my initial reactions typically with all of these pacts, so there's Counseling Pact, there's PSYPACT or Counseling Compact and PSYPACT, which is a psychologist, and then the social workers are working on something. As for MFTs so far, we don't have something going on. But I have mixed feelings. Because I think for me, I have clients who travel around to different states. And so I can only see them when they're in states I'm licensed in, I've got ideas around being able to support folks in areas that have fewer clinicians or clinicians who specialize in and what they need. And I also recognize I live in a state that has a very high cost of living. And so if there are therapists in states with much lower cost of living who are quote, unquote, taking my clients, I think it would be something where that that may make it harder for me to compete in my own market. So lots of mixed feelings. And I'm not quite sure at least until we started prepping for this episode, I wasn't quite sure what these compacts meant. And so I think probably we should start with, What's the Counseling Compact? If we, you know, it's PSYPACT different? What's the social workers working on? But broadly, what are these things? And why do people care about them?   Curt Widhalm  03:05 So these pacts are going to be slightly different between the counselors and the psychologists and psychologists is PSYPACT. The Counseling Compact is for counselors, we're not really going to talk a whole lot about social workers and MFTs, because they have not gotten their act together and have anything moving in this direction yet. Social workers do. But in talking about the two that are already in place, or quickly moving into place, what it does is allows for somebody, this is language from the Counseling Compact, what it does is allows for somebody who is licensed in and resides in one of the member states to have practicing privileges through some regulation stuff in other states. So it's not just like a license reciprocity where you are granted now a 10 state license, you have to go through some certain steps of just picking a couple of states out of this here. But if you are, say, practicing in Nebraska, and you have a person in West Virginia, who wants to utilize your services, you would need to go to the West Virginia Board and have a streamlined ability to get a privilege to practice with clients in West Virginia.   Katie Vernoy  04:30 Okay, but you have to live in Nebraska, it can't be like I live in California, and I'm licensed in Nebraska. So now then I can practice with somebody in West Virginia, if I get that streamlined.   Curt Widhalm  04:42 Yes, and this is the language that you have to be licensed in and reside in one of those states. So many people have licensure in multiple states already. If you are not one of the 10 states as a resident this does not apply to you. So this is not like a, you know, huge like opening up the gates to everybody living all over the place. California being where Katie and I reside, we can't just go and get licensed in Utah and now have the ability to practice in all of these other states. A residency requirement is part of this as well.   Katie Vernoy  05:20 Well, one thing, I think that it does start things moving, because I know with PSYPACT, there are 34 states in process. So it is the beginning of something, it's just a matter of right now, this is the very beginning stages and other states may join. But in some of the conversations and research we've done, it sounds like there's a lot that goes into it once a state joins. And even in putting together the overarching compact, there is this need to get kind of almost universal expectations, kind of an overarching, regulatory body, there's also needs to, you know, look at scope of practice issues, which at least as we're aware of MFT stuff, but there's very different scope of practice for California MFTs than there is for Texas, or West Virginia MFTs, for example. And so there's a lot of complexity that's going to be sorted out as this starts to get implemented. But the idea is that these compacts these interstate compacts are meant to provide a launchpad for more states to join, right?   Curt Widhalm  06:29 And this is some of the stuff that's got to be ironed out over the next couple of years. And frankly, I'd be surprised if all 10 of these states are able to address some of these discrepancies over the next few years. And for example, and I know not all of these states are currently part of the 10. But they do sometimes have some legislation to get them involved in the Counseling Compact here. But looking at the different requirements in different states, Georgia as an example, one of the 10 States does have a pretty high barrier to entry when it comes to becoming licensed within the state. And so I'm going to emphasize again, this is practicing privileges in other states, that is not a full reciprocity of license. So if somebody is practicing, gets practicing privileges in Georgia as a member of this Counseling Compact, one of the things that needs to be addressed is the discrepancy between what is allowed from one state to the next, for example, some states allow counselors to provide diagnostics of clients, other states do not and what has yet to be ironed out on this is how much does this change the scope of practice in these other states? What's unclear at this point is how these things are going to be regulated. While there is a central body that will oversee this compact, because of the way that it's set up each of these states are the ones who are still overseeing their own licensees, disciplinary actions and abilities to practice. So it's not like you're gonna be able to sit at home and do telehealth across all of these 10 states, and be able to practice just in the way that you are at home with your home state's clients, you're also going to run into well, I can diagnose this client but not this one. Or I need to be aware of, you know, my ability to do things ethically, one way in one state, but because of the ways that the laws are written in another state, I'm not allowed to do this. So these are some of the things that now have to be centrally addressed across all of these states here.   Katie Vernoy  08:48 And I think it's something that can get very confusing, but I want to re emphasize that there is this element of expectation that this means I'm in licensed and these other states and and because it's practicing privileges, is it telehealth only? If I go visit the state, could I still see those clients in person? Like what is the what is the practical difference between practicing privileges and licensure? In this regard.   Curt Widhalm  09:12 The differences is, it's not a license in another state. It's the allowance of you to be able to provide services to people in that state. But it is not the equivalent of having a license in both states.   Katie Vernoy  09:30 But what is the practical difference there? Like why do I care if I'm licensed or have practicing privileges?   Curt Widhalm  09:37 One of the major differences is that it's a lot easier to revoke practicing privileges than it is to revoke somebody's license. Having a license in both states means that you are obligated to both states licensing boards. What practicing privileges means is that you're allowed to practice here but you're still responsible to your own state's governing body for disciplinary actions, and so on and so forth. So it could be very easy. If a therapist is working with a client who's out of state and residing in Georgia, for example, Georgia could very easily be like, you're not meeting the requirements of practice in our state where you're doing out things, things outside the scope of practice in our state. And we don't like that, and you're no longer allowed to practice here. So it's a lot easier than going through a lot of the big disciplinary actions that may require revoking somebody's license in a state that they're actually licensed in.   Katie Vernoy  10:40 So for the clinician, it means that they would really need to be able to identify all the different scope of practice, how to really stay up to date in all these different states, as well as what is that kind of fine line that I can walk, either to treat all my clients the same, but super restricted, or, you know, like having different rubrics for how I treat each client. So it can get pretty complicated is what you're saying, for the clinician to pay attention to what's required of them.   Curt Widhalm  11:11 Yeah, and I think to this is where the goal is over the next couple of years to change some of this information. So that way, we're able to make it a lot simpler for people because the goal in this is with the intention of making practice easier, allowing for more people to have access to more mental health providers. However, these obstacles exist, and giving kind of the next couple of years of the ability for state legislatures to change the subsequent laws that now need to go into effect because this is in place, the goal probably is to simplify this stuff.   Katie Vernoy  11:50 Okay.   Curt Widhalm  11:51 And I haven't heard or seen anything where any of these member states have, you know, any real opposition in this way, it's just that things in the legislature can take other priorities. I mean, we saw this with the COVID 19 pandemic, where it's like all the states for a couple of years where like, everything now has to focus on COVID. So some of these obstacles are still in place. And it's just a acknowledgment that that's the system that we currently live in.   Katie Vernoy  12:21 So you mentioned kind of getting more providers for places that have provider shortages. And I think that's one of the biggest stated benefits, I think, clinician match and finding clinicians that have a specialty when you don't have a lot of clinicians in your state can be very helpful. There's also continuity of care. I've talked about my clients traveling around and especially as things open back up, there's clinicians or clients that are traveling a lot more and so we have to time their sessions versus just being able to meet at a regular time via telehealth, I think there's a lot of positives that are being seen here. We've started talking about some of the hesitations and and and we are aware that the for the MFT stuff CAMFT, AAMFT and AAMFTRB, you know, what least AMFT and CAMFT are talking and have reached out to AAMFTRB, whatever that is.   Curt Widhalm  13:12 Yeah, you got it right.   Katie Vernoy  13:13 So there's, there's conversations happening, I think, and obviously different stages for all the licenses, there's, there's a, there isn't a knowledge that this is something it's kind of the wave of the future, because we can interact so freely across state lines, like why not get this process in place, but there's a lot of complications, you know, the overarching scope of practice, the complication of setting it up and running it and all those kinds of stuff. There's a lot of stuff that's very challenging there. How much do we want to talk about that, that element versus you, you've already previewed for me anyway, that you are a little bit of a skeptic here. When do we want to what do we When do we want to shift gears to that? Because I think that there's so many folks are super excited about this. And I think there are things that are exciting about it. But there are some real concerns that I want to make sure we get to. So where should we go next? I guess is the question that I'm asking here.   Curt Widhalm  14:06 So this has all of the makings of a wonderful piece of legislation and cooperation that I don't know actually addresses what it's saying that it's intended to address.   Katie Vernoy  14:21 Okay.   Curt Widhalm  14:21 It is no surprise to anybody who listens to our podcasts that we have a mental health crisis, and we have a very understaffed mental health workforce. This theoretically allows for more clients to address more providers, but many of these states are amongst the most impacted as far as having the fewest providers available. And so if you combine 10 states who don't have enough workforce for each of their own individual states, by their 10 powers combined, theoretically can't address that even more people are going to be able to access a limited number of providers. It's not like we have, you know, a bunch of people who are all just residing in Utah, there's, you know, 9 million LPCs in Utah, who now just have like all of this free time to go and see clients who need to see counselors that Utah just has this, you know, mass amounts of people who have been confined to by state lines. This is, you know, a bunch of people without enough food now sharing that they don't have enough food with more people in more places.   Katie Vernoy  15:38 It doesn't make it worse. It just doesn't solve it is what is how I see it. But I think if folks who, if these states that have those needs don't get it started, I think it's hard because I think the big states don't need those extra jobs. Right? I mean, it maybe they do. I mean, I think there's a lot of clinicians in California, they're like, yeah, let me practice somewhere else, because I need I need clients, there's, you know, you could trip over a therapist, every few steps in California. So I mean, it's possible that with this starting, I mean, PSYPACT is going on 34 states. So we've moved beyond the the threshold in PSYPACT, where it's just states that are having provider shortages. I think I think I see what you're saying this does not solve? Did you want to start it?   Curt Widhalm  16:28 But I do want to correct one thing that you're saying is, we have a bias because we hang out with a lot of therapists in a very populated city.   Katie Vernoy  16:38 Sure.   Curt Widhalm  16:38 But California has a mental health workforce shortage as well. It's just that, this goes to address that there's rural parts of our states. And there's rural parts of a lot of these other states that are part of this, that we we have our own shortages, and we're not able to address this inviting more people to address, you know, people in rural areas. It's well intended, but it doesn't motivate or necessarily get people to the jobs that are needed in these positions.   Katie Vernoy  17:12 What you just said actually made me think about the series that we're still somewhat in the process of Fixing Mental Healthcare in America. But I think there's that that piece that the the RAND Corporation identified where there has been efforts and telehealth is a great effort to try to bring, you know, therapy to these rural areas, but the infrastructure and you know, good good WiFi, and all of the pieces to actually be able to address these things potentially are more impactful than just adding clinicians from another state that are probably going to want to access or your wealthy urban clients anyway.   Curt Widhalm  17:52 Which leads to my second criticism of this is that because of the scramble that's going to happen, the people who are most likely able to address the shortcomings of this public policy position across these 10 states are venture capital led groups like BetterHelp, that will do all of the legwork to match you up with clients in all of these rural areas. And we've got other episodes that we will talk in, you know, in BetterHelp's defence it's not just BetterHelp who can take advantage of these. But I have my concerns that the people who have already been doing this against the law, as we've discussed in our previous episodes are motivating therapists to practice across state lines, when they're not allowed to are the ones who are going to continue to contribute to the already capitalistic problems of our profession. And once again, not really with the best intentions of what clients have in store for them. But just by virtue of being able to match people more easily than any of the individual therapists in private practice. Where like, hey, my clients going on vacation, I can still see them for their regular session.   Katie Vernoy  19:21 We'll link to a lot of those episodes in the show notes. But but what I'm hearing you say Curt, is that this is super charging the big tech problem.   Curt Widhalm  19:31 Yes, it is.   Katie Vernoy  19:32 Okay. Mic drop.   Curt Widhalm  19:39 Pick that mic right back up, because they're, I don't know, I'm the resident, you know, contrarian of the show, the one who's maybe trying to poke at things and often I hear from listeners or from Katie or other people in my life is like, Why let perfection be the enemy of good? And so I am looking, you know, for who else opposes this? And I did come across somebody else on the opposition side of this. And it's a little group called the FBI.   Katie Vernoy  20:20 Why? Why is the FBI opposing this?   Curt Widhalm  20:25 For those unfamiliar with the FBI, they are a law enforcement agency. And they are one of the generally two places that when you go to get licensed that your background checks go to.   Katie Vernoy  20:38 Ah, yes.   Curt Widhalm  20:39 And so the rationale in other interstate compacts, including Counseling Compact, including PSYPACT, including medical compacts, and nurses compacts, the FBI has had a pretty consistent position on this. And their reasoning is that these states entering into these agreements, does not give them the right to supersede federal background checks. Now, allowing for practicing privileges in another state allows for the bypass of doing a background check for that state.   Katie Vernoy  21:13 Oh, interesting.   Curt Widhalm  21:14 And the way that the Department of Justice allows for some of these states to get the results of background checks, does not allow for them to share the information from those background checks.   Katie Vernoy  21:27 Oh, that's why if you get licensed in another state, even if you can say like, Hey, I'm licensed over here, they did my background check. The new state still needs a background check.   Curt Widhalm  21:37 And giving practicing privileges as I understand this legislation to be written today does not require background checks. It allows for the disciplinary boards to share information about discipline. But let's say that a therapist from one of these 10 states, goes on a weekend Bender in Vegas and ends up in the Clark County Jail. That information does not necessarily get shared with either licensing states because why, but then also doesn't get shared with any of the other practicing privileged states. It's not something that would mess like up. Overall therapists don't get arrested.   Katie Vernoy  22:22 Yeah, just don't   Curt Widhalm  22:23 Yes. But especially don't get arrested in your practicing states, because you're practicing states have with their own State Department of Justice's, like, California BBS. Like if somebody gets arrested, and they're licensed California, they get a little like, ping the next morning of like, hey, one of your licensees was arrested. But if you're, if you're gonna get arrested, don't get arrested, you know, being outside of your jurisdiction, at least, there's some opportunities to fall through the cracks there. And the...   Katie Vernoy  22:55 Are you telling people to how to avoid getting in trouble?   Curt Widhalm  22:58 This is not legal advice. And legal advice, once again, is don't get arrested. But what the FBI's database does, is allows for this information to be pinged in each time that somebody goes through a background check. The FBI is saying that this does not actually empower any of the states to know information if somebody was to have a an offense against them that wasn't caught or happened after their own background check to get a license in their own state.   Katie Vernoy  23:31 Well, I'm just even thinking for myself, I have not been arrested. I don't have anything that I have to worry about. But yeah, I haven't had a background check for 15 years? So I could be doing all kinds of stuff and get practicing privileges elsewhere - is what you're telling me?   Curt Widhalm  23:48 Yes. And so this very much goes against, according to the FBI, any sort of patient protection that any of these licensing boards are put into place in the first place to protect consumers.   Katie Vernoy  24:03 Well, I haven't think taking this further the whole consumer protection angle, and I think I'm gonna give you credit, you mentioned this before we started recording. But as a consumer, I have no place to check if you actually do have practicing privileges in my state, or if there's any problems. I mean, I guess I could look at your licensing state if I knew how to do that, knew where to do it, and can see if there's any any dings on your license, but, but it really takes some of the stuff out of the consumers hand being able to identify, you know, anything about the person that they're working with.   Curt Widhalm  24:41 And I imagine that these are things that are going to need to be addressed over the next few years as having some way of centrally notifying each other's state licensures or any of that kind of stuff. And I'm sure that there's somebody out there saying, But Curt this hasn't been a problem with PSYPACT yet. And the answer that I have back in response to you is "that we know of, and it will likely happen."   Katie Vernoy  25:13 Well, I think it's something where there's, and this was something that I hadn't thought about. But in a conversation that we had, I think it's something where, with psychologists, the, as far as I know, the licensing exams, their expectations are pretty constant across the United States. And so if somebody messes up in the state that they're licensed in, that's going to have a big impact, because it is the same pretty far across and I, this doesn't address the federal background checks. But I think it does address this kind of idea of all the complexity and and consumers having an issue because what they're expecting from their clinician is not what they get, because their clinician practices way differently than anybody in their state, for example, but MFTs don't have that. I mean, there's that there's a national association, but all 50 states basically have different expectations. Counselors, I think, are a little bit more streamlined and so that's probably why they're moving forward. Social workers are very streamlined, and I'm sure they're going to probably get, you know, glide through this. But I think it's something where that feels solvable, you know, getting a getting some way that there's this the background checks and that kind of stuff, if you're if you're part of this compact, if you choose to get practicing privileges, there's a federal body that you then have to get a background check. And then that, you know, somebody at the federal level is running it versus each state having to do it. You know, I think there's some legislation that could probably really help this. But that seems really expensive. And I'm wondering, you know, there's part of me, that's like do therapists care? Do to consumers care? I mean, like, we're worried about this regulation and there's part of me, and there's a whole podcast devoted to this Very Bad Therapy. But there's, there's bad clinicians that are not going to have oversight. But then there's also all of these clients, who don't have access to therapists who accept them as who they are. And so having some of these things come into place, like to me, it seems like it could be good. So I'm getting all over the place. So bring us back to something that's that's helpful. But I think there's, there's this element of it feels solvable. I just don't know the timeline, or how much money, but...   Curt Widhalm  27:36 That those two points are the problems that I foresee with this, that it's none of these things that I'm bringing up are unsolvable. Maybe the BetterHelp thing. But...   Katie Vernoy  27:52 That's a different problem. It's separate from this problem to solve.   Curt Widhalm  27:55 Right. But it's probably going to be a lot more costs that are passed on to the providers than anybody sees. The buzz that I'm initially hearing from people on this is very much like you that most people are taking this as, oh, I can just kind of see my clients wherever they travel, as long as they're in one of these 10 states.   Katie Vernoy  28:19 Yeah.   Curt Widhalm  28:19 And that is not true. And each one of these states is going to be additional costs. And you know, the background checks thing is, all right, you still go down to your local fingerprinting place, you do your live scan, you're just having it reported to a different state board and the FBI each time. And those things add up, you know, 50 bucks at a time adds up. Yeah, times that by 10 states, times it by the application fees, because part of the legislation that was written for all of these states is basically written by the same people. And it's, you know, quote, unquote, not actually a direct quote here, but not going to have anything more than administrative costs passed on to clinicians. There's a lot of administration costs in this that any of the licensing boards are more or less operating at a break even point that adding on a bunch of new staff to process out of state therapists and to verify things. Those are going to be cost that add up. Are they going to be cheaper than getting a license and meeting all the requirements in these other states? Absolutely. But these are costs that are going to add up for people. This is not going to be a free for all that all of these state licensing boards are going to allow here.   Katie Vernoy  29:40 Yeah, I think that's the thing that's that's hard because there's a lot of elements to this, that says that like this is this, this makes everything smooth and easy. This really provides additional access and the more we've talked together about it when we've talked to other folks about it, it just I'm hearing that there is so much complexity to how this operates, that it may not happen for all states, because you know, states that have enough clinician, states that have a higher cost of living, they may not feel the need to, to add to their costs, or their clinician base. And so they're not going to take it on. But but when I look at, you know, really what we're talking about, it's, it's trying to put a bandaid on this problem. And hopefully, it's it's something that there's actually real federal legislation that can help to increase the infrastructure in places that need more clinicians, help to, to create systems that actually address some of these concerns that you're bringing up. But that would require tax dollars, versus clinicians paying application fees, and all those things. I mean, I heard, I think that's the thing I heard was like, millions of dollars to get this setup, you know, I mean, like, that's, I guess, if you've got a lot of clinicians, that's a cross of a lot of clinicians, you know, if they are savvy clinicians, those fees are then incorporated into the fees they charge, which then for private pay clinicians anyway means that they're charging more. Insurance panels aren't going to pay you more just because you've got some extra that's under your belt. And so it's something where the cost thing hasn't been figured out, nor has the infrastructure both on the client side, but also on this regulatory side, it feels like there's just so much to figure out here.   Curt Widhalm  31:35 And that's something that I haven't even seen how insurance is going to work across state lines that I willingly admit that I don't know the inner workings of a lot of the insurance process, but knowing that, all right, yeah, it's great that you can see a client to timezones away. But does their insurance allow it? And this is another factor that's going to be in it. And, you know, we can talk all day long, and I'm already pre addressing some of the criticisms of this episode from people. We don't yet have universal health care. Don't even bring that up, like...   Katie Vernoy  32:14 Sure.   Curt Widhalm  32:15 Don't make arguments about systems that we don't have. These are problems that need to be addressed in the meantime. And yeah, I know that some people are going to say that this is the first step towards national licensure and this kind of stuff. OK or maybe...   Katie Vernoy  32:32 It may, it may actually delay it, it may delay it, because it's a band aid where people can go practice in other states. So why would I get a national license, if I can practice in a couple other states and not worry about taking another task, getting another background check, blah, blah, blah. I before we before we finish up, because I think there's probably going to be responses that then lead to additional episodes on this topic. But I think that just to kind of maybe poke the beast here a little bit. But with the with the insurance stuff, I think we're already seeing what insurance companies are going to do. And that is contract with these large tech companies that have clinicians across all the states pay them more so clinicians can get more, but it means that individual practitioners almost de facto have to be private pay, because they're going to get worse insurance rates, and they're not going to be able to really compete, certainly not in advertising dollars, or whatever. And we have a whole episode on this, but they're not able to compete with a gigantic quote unquote, tech solutions and or group practices. And so I think, I think it's something where there is a lot to consider here. I think there's going to be a lot of conversations that we want to have related to the disruptors, the tech disruptors in the space, who are the good ones, who are the ones that are challenging, and potentially hurting our profession? How do we, you know, step into this and, and take ownership of this space because, you know, there is so much and and potentially these these compacts allow for us to compete at this level. Or it may make it harder and I guess that's to be seen, I really think.   Curt Widhalm  34:14 Giving over the power, giving over the insurance contracts to publicly traded corporations means decisions get made quarter by quarter based on profits. And that is not what the healthcare system should be. We're kind of in a space where some people are able to compete against that but so many more episodes to be done on this. We will include some links to some stuff in our show notes. You can find those over at mtsgpodcast.com. You can bring up your concerns or tell us why you think that I am wrong on our social media.   Katie Vernoy  34:54 Or I'm wrong. I we've got a lot that we said here. So definitely join us over at the Facebook Group, tell us what we're what we missed, because we certainly missed a lot, I'm sure.   Curt Widhalm  35:04 And until next time, I'm Curt Widhalm with Katie Vernoy.   Katie Vernoy  35:08 Thanks again to our sponsor, OOTify.   Curt Widhalm  35:10 “OOT” or “uth” (उठ) means “lift up” in the Hindi language. OOTify is a digital health solution that acts as an evidence based hub to unify relevant mental health resources. Community connection and collaboration are critical to OOTify. As they lift the mental health care system, they ensure providers are part of the process. OOTify is a platform for providers built by providers and owned by providers. OOTify is in the process of lifting up mental health care while lifting each other up.   OOTify  35:43 We need to talk about our mental health. We need to make our mental health stronger so we can withstand the things that happen in our life. We're gonna go through trials and tribulations. But if we can work on our mental health proactively our wellness, we can handle all that as a community and come together, people are more open to talk about these stories and say, Hey, listen, I'm going through this too. Do you want to be a part of the solution by joining a new web three community focused on mental health and wellness? Join the unified community as an investor or mental health provider by visiting ootify.com/contact. You can also give us a follow on social media to stay tuned on exciting updates.   Curt Widhalm  36:25 This episode is also brought to you by Turning Point.   Katie Vernoy  36:29 We wanted to tell you a little bit more about our sponsor Turning Point. Turning Point is a financial planning and coaching firm that helps therapists stop worrying about money. Dave, our good buddy over atTurning Point will help you navigate every aspect of your financial life from practice financials and personal budgeting to investing, taxes and student loans. He'll help you move through that feeling of being stuck, frustrated and overwhelmed, and arrive at a place where you feel relief, validation, motivation and hope.   Curt Widhalm  37:00 And for listeners of MTSG you'll receive $200 off the price of any service. Just enter the promo code 'moderntherapist', be sure and visit turningpointhq.com and download the free white papers Seven Money Mindset Shifts to Reduce Financial Anxiety. That's turningpointhq.com   Announcer  37:18 Thank you for listening to The Modern Therapist's 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.

Rich shares 5 ways to justify being more expensive than your competitors.

Why settle down in a high cost of living area?  Farnoosh Torabi, Jamila Souffrant, Bobbi Rebell, and Cathleen Hutchins discuss the pros and cons of living in New York and Hawaii.  Check out this rewind episode that is as relevant today as it was when it originally aired.

09.05.22 Pt 2 - Is one of the most expensive burgers in Cape Town worth it? Gareth is somewhat more interested in the cat fight that is happening between Leigh-Ann's legs… and what's a good name for your dog?

Interest rates are on the rise.  Mortgage rates are up. Treasuries are at levels we haven't seen in a while.  Inflation is top of mind, and the Fed will likely continue raising rates until lofty inflation rates cool down--inflation levels we haven't seen in a very long time. So with rising interest rates comes potentially rising loan interest rates on some whole life and universal life insurance policies.  Will those rising loan rates spell trouble for policyholders?  If you'd like to talk about your policy or you'd like to consider purchasing one, please reach out to us by clicking right here. 

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33 years in Real Estate and 2,300 families helped [FREE Online Masterclass Training] The 3 Step Lead System To Close Your Next 6 Figures in GCI (From Leads You've Never Met)

CLIP: The nerd opened up a very expensive card but still holds on to his virginity 

IF money was no object, what piece of sports memorabilia would YOU want?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Seven days on and what have Howard and Katie been up to? A live and uncensored baking demonstration as part of Eastnor Castle Chillifest in Herefordshire, UK. The missing states of America. The Main Cookbook. Cold ovens. Expensive vegetables. Howard's small or extra small shirts. Katie's astrological education. Surely not all of these subjects appear in episode 62? Listen now to find out, you'll be surprised and there could be even more fascinating facts and stories too... Only on the Shackbaggerly podcast with Katie Johnson and Howard Middleton. #GBBO #HowardMiddleton #KatieJohnson #Shackbaggerly #EastnorCastle #ChilliFest #Herefordshire #Americanstates #StatesofAmerica

In this episode, we ask: What would you think of a young person walking up to you with a business plan? Would you loan him money? Do you have kids? Do you know someone with kids on their way to college? Who is Angie Grimm? What happened when Angie was a senior in high school?...

Stock market crashes aren't common, but when they happen, they often catch you by surprise. Thankfully, we're not in the middle of a stock market crash, but this current correction or “dip” we're riding has got some early retirement and FIRE chasers feeling a little anxious. Carl and Mindy Jensen, real estate and index fund investors, have seen a twenty-five percent drop in their portfolio just over the past six months alone. What effect does that have on their future financial plans?Welcome back to this month's episode of Carl and Mindy's Spending Summary, where we finally get to see an under budget month! Thanks to some family frugality, Carl and Mindy were able to shop pretty light this April, even while going over budget on some essentials like groceries and medical expenses. This may be the last under budget month for a bit as some upcoming trips may prop up their expenses as we roll into summer.Carl and Mindy have also been keeping an eye on the stock market and how its performance is affecting their portfolio and future retirement plans. When Carl decided to step away from work five years ago, he had the tailwinds of a strong stock market at his back. But, with recent drops in stock valuation, it begs the question: would Carl still be able to retire early if the market conditions mirrored today?In This Episode We CoverThe budgeting and expense tracking “slog” that helps you spend less and keep more Expensive summer trips and how to account for future travel in your monthly budgetThe Nasdaq's rough month and what to do when stock indexes start to fallThe 4% rule and how rough market conditions could hurt your early retirement plansWhether or not you should still retire during a market crash/correction And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets Check Out Mindy's 2022 Live Spending Tracker and BudgetHear Our Interview with 4% Rule Creator, Bill BengenMichael Kitces' Interview on FIRE and the 4% RuleThe “Mile High FI” Podcast1,500 Days to FreedomConnect with Carl on BiggerPocketsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tom welcomes commodities expert and researcher David Forest to the show. David is a writer for Casey Research and CEO of Ivor Exploration. David discusses the super spike phenomena in commodities which happen at the end of other general bull markets. The phase that follows usually impacts energy prices and brings further economic issues. Energy commodities including coal are now doing quite well. The third phase is where the precious metals outperform. Europe is blaming natural gas prices but they were already moving quite high before the Russia-Ukraine conflict. The reality is that Europe just doesn't have enough energy to go around. Recently, markets have seen the first options trades for $300 oil. Uranium is the only metal that has a hockey stick production cost curve. Most of it doesn't cost much to produce in Canada and Kazakhstan. However, if more uranium needs to be produced it will need much higher prices for other projects to become economical. In this sense, the Sprott SPUT could be useful to help build new production with higher prices. It may help to smooth out prices for the long term. Uranium is increasingly likely to become a strategic metal that governments will want to source close to home. We see this with rare earths and it didn't need to be this way. We legislated production of these metals to zero and therefore mining migrated to China. He discusses the growing trend of green electrification and the increasing need for copper. We also require grid storage battery solutions. We could even see partnerships between major manufacturers and resource companies wanting to secure metal supplies. Time Stamp References:0:00 - Introduction0:45 - Green Energy Transition4:05 - Natural Gas Supply6:08 - Energy Metals8:20 - Uranium SPUT11:51 - Catalysts for Uranium14:42 - Strategic Metals17:24 - Inflation Protection20:39 - Electrification & Copper25:40 - E.V. Realities29:18 - Manufacturer Partnerships35:33 - Wrap Up Guest Links:Website: https://ivorexploration.comWebsite: https://caseyresearch.com David Forest is a geologist who has worked professionally in mining and petroleum over a 20-year career. He has also bridged his technical expertise into the finance and investment sector, originally joining Casey Research in 2004 when he founded the Casey Energy Speculator dedicated to finding high-potential investment opportunities in oil, natural gas, uranium, and renewables globally. He has founded his own mineral exploration and development companies, raising over $80 million in equity financing from some of the most well-known resource investors in North America. His past successes include the development of a 10-million-ounce gold deposit in Colombia, as well as becoming the first to be granted a modern exploration license in the emerging economy of Myanmar, Southeast Asia. He also served as Managing Director of Notela Resource Advisors, an advisory firm analyzing and designing global investment opportunities in the natural resource sector. Dave continues to travel extensively — particularly in Latin America and Asia — reviewing resource projects and investment opportunities. His recent visits included Brazil, Mongolia, Myanmar, China, Russia, Colombia, Peru, Nevada, Laos, Zambia, Madagascar, Indonesia, Portugal, and the Czech Republic.

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The dangers of the full weekend, some intense sunday scaries, and the bad decisions that come along with seeing friends you haven't seen in awhile.....Support the show

On today's Torrey Snow Program, Torrey discusses the recent carjacking of a Baltimore City police officer, the leak of the draft opinion of Roe v Wade possibly being overturned and more.

This is part one of a two part Ryan and David masterclass on the trillion dollar L2 opportunity. L2 summer is right around the corner. Start preparing now. Part two will be airing tomorrow! ------

Have you ever had a neighbor leave you a nasty note before?  Parking at a condo complex can be competitive, so Raven came up with a creative way to fit an extra car into his spot…  (:30) This time of year, everybody is looking to lose a little weight!  Anna and Raven spoke to Fitness Expert Amy Llinas to get some tips on how to drop the extra pounds without starving yourself!  (3:18) It's natural to be a little embarrassed about dropping out of school, but if you wait 3 years to tell someone who is financially supporting you, that's all I need to know about you!  (6:57) What world record could you have broken in college?  Anna is pretty sure that during her college years, she could've held the world record for world's greatest beer pong player!  (10:48) Did you have any drama at your prom?  Prom season has arrived and Anna and Raven want to hear your “Prama” stories!  (14:08) Is there a “right” way to break up with someone?  According to Dating Expert Cher Gopman, there may not be a right way, but there is definitely a wrong way!  (25:03) What's the most expensive outfit in your closet?  After watching the Met Gala coverage, Anna was inspired to bust out her most expensive outfit and she wants the rest of the show to do the same!  (28:34) Dave Chappelle was attacked yesterday while performing at the Hollywood Bowl!  He's fine thankfully and you won't believe who came to his rescue!  (32:30) Because Colin is so indecisive when making dinner plans for their weekends, Jackie would make multiple reservations at different restaurants, then not show to a couple of them depending on where they decided to go. She has stopped doing that, but now she just lies to the hostess and insists that they called for a reservation. Colin says it's embarrassing, Jackie thinks it's no big deal. Whose side are you on?  (35:56) Marlene thinks she has what it takes to beat Raven in pop culture trivia! Can she succeed and win the $6600 jackpot?  (44:45)

Want to fix and flip houses but your afraid you might make an EXPENSIVE mistake? Well this video is going to tell you exactly how to avoid costly mistakes that new investors, house flippers and wholesalers make. Noelle shares why real estate investing is an awesome business to be in especially when you know how to avoid all of the mistakes that newbies make! Get a copy of my book for FREE:https://www.noellesfreebook.com/Get Noelle's FREE training here:http://www.NoellesFreeTraining.comWEBSITE:http://www.noellerandall.comTEL: 888-479-4542Listen And Enjoy!Noelle RandallSupport the show

Laugh with our daily morning show podcast!NEXT LIVE VIDEO SHOW: Friday, May 13thJoin PK, DK and Duryan at the UH Hispanic Alumni Association's Loteria Night this FRIDAY, May 6, 2022, beginning at 6:00 PM at East End Backyard (1105 Sampson St, Houston, TX 77003)Today:• Your IVN's update us on the “Depp/Heard” case• [PARODY] How Duryan treats women• Producer Elia + 'Yessica Hater' call out PK, 'the ultimate spinster' • Whitney C. from Washington state and in the middle of a MOVE joins us for Match 2! • Denise shares her “Top 3 Things” including Roe v Wade, an inmate and his correctional lover on the run + cinco deals! • Duryan celebrates 'May the 4th Be With You' with the greatest Star Wars / Star Trek fail of all time • We make it up to guess 314 for “What's that Noise” winner will receive $500!• Duryan has a part two-er for his Final Thought• A very EXPENSIVE error on “To Tell the Truth” + did your parents collect anything?• Listener spotlight of the week - Yarell L.• And so much more!Subscribe for ad-free listening (plus uncensored option): https://bit.ly/3AVvltaGuess 'What's That Noise': https://bit.ly/3hsl4hcGames, pictures and videos: www.PKandDK.com

I have broken down all of the rookie cards from Topps during the vintage era (1951 - 1980). Here are the Top 20 in terms of value as of May 2022. Enjoy!! --- Support this podcast: https://anchor.fm/goldenageofcardboard/support

Alan lives in an expensive area where it's really difficult, if not impossible to find properties that are going to generate cash flow.On this episode, Alan shares how he found an area where the properties were much cheaper and the numbers worked better.We talk about how he found his properties, we take a look at his number, and figure out how many rentals he needed to get to $70K. We also talk about challenges that he has had along the way.https://rentalincomepodcast.com/episode365

It should be no surprise that I talk to a lot of people about the fandom as a whole. But one of the questions I get the most frequently regards fursuits and more specifically, why the cost so much! It's a question that I've answered very generically in the past, but upon further review, the answer is a lot more complicated than it may seem. And this show likes complicated, so on this episode, we explain the various reasons why fursuits cost what they do, and how anyone can get a piece of the fursuiting experience for a fraction of the cost of a full suit!Follow Me On Twitter for Updates and Info about the Show: @FinnThePantherSources and Stuff to Check Out:Stormi the Folf: Why are Fursuits so ExpensiveHow Much Does it Cost: FursuitsThe Cost of a Full-Body SuitThank you for checking out the show! iTunes/Apple Podcast listeners: make sure to leave a rating and review! Stay wild!Music from Epidemic SoundIcons made by Freepik from Flaticon

What's happening today: Headed to the November ballot is a measure that would tax the sale of expensive homes in California to pay for homelessness programs; Latino deaths in the unhoused population jumped by 69% since start of pandemic; There are 188,000 fewer Californians this year than last; Despite rise in BA.2 infections, hospitals not seeing a giant wave of COVID-19 positive patients; Climate activist group says they agree with Gov. Newsom's support for nuclear power. This program is made possible in part by the Corporation for Public Broadcasting, a private corporation funded by the American people.   Support the show: https://laist.com

The average home in Seattle costs over a million dollars. And now, rising interest rates have made mortgages more expensive. Home buyers just can't seem to get a break. Condominiums used to be a gateway to homeownership. Even if you didn't have a big nest egg, you could get your foot in the door and own a tiny slice of the “American Dream” while saving up for something bigger. What happened?

Brett Rutherford is joined by Jared Ward to discuss the impending roster crunch, take stock of the team now that they're one month into the season, and share our opinions on Rays ticket prices and offensive production.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today, Rehan talks about Berkshire Hathaway and the housing market. Topics discussed: The results of Berkshire Hathaway's annual meeting The rise in homeowner wealth in the US Links mentioned in this episode: invstr.com/berkshire-bunch/ invstr.com/houses-of-wealth/ *invstr.com/02-may-watchlist-4/

Dane Curley riffs on the ~$44B acquisition of Twitter by Elon Musk, whether it has any real bearing on propagating Free Speech around the world, and whether the phrase "Free Speech" actually has any shared or agreed upon meaning in the first place. How many versions of "Free Speech" are there? And why is it so very expensive?Brought to you solely by Dane Curley's PATREON supporters. Thank you! Support the show (https://www.patreon.com/danecurley)

As you know, more often than not, an episode can really go sideways at one point or another. This one? The guys left the gate sideways. It took about 5 minutes to get into a big discussion about the movie Jaws, one of the scariest movies of all time. But then...how did they pivot into talking about hot peppers and uncomfortable burning sensations on different parts of your bodies? It was quite a trick, and you'll have to listen to find out.It wasn't all silliness, though. You know the guys had some great fishing stories to share, and they did just that. No see-ums and yellow flies made their way into the conversation too, but that's 100% outdoors, isn't it?Finally, we can't stress enough how much we love the stuff our callers bring every episode. The questions, the stories, the tips are all outstanding. Sometimes, however, the guys get a call that just goes into uncharted territory, and this episode has one of those calls. So sit down, kick back, relax and allow us to introduce you to "Boondocker".Here's your L.V. Hiers gear tip of the week: You will love Skin So Soft Bug Guard Plus, and no-see-ums will HATE it! This is the only stuff we've found that truly works! (Recommended to us year ago by Ron Gibson) You can find it on Amazon in the wipes, lotion and a spray. Expensive but worth every penny!Here's your Ring Power CAT tip of the week: This time of year there are lots of birds nesting and soon to follow fawns will be born. So when mowing your property keep this in mind. You might even put off mowing higher fields for a few weeks! Here's your Kirbyco Builders Inc. cooking tip of the week: The perfect compliment to any sandwich...Zapp's Voodoo New Orleans Kettle Chips! These are the best chips EVER and you can find them at Angies Subs Official Page

Tex, Tyler and Justis reunite to talk about the newest Green Bay Packers: WR Christian Watson and OL Sean Rhyne. Who are the Packers' draft picks as kitchen appliances? Did they give up entirely too much for Watson? Who are we looking forward to on Day 3? These answers and more inside. Learn more about your ad choices. Visit podcastchoices.com/adchoices

For lots of things, price is an indicator of quality. But what about in health care? Bapu Jena gets some clues from Steve Levitt's wine tasting experiment, and looks at why shopping for health care is so hard.

2nd channel: https://www.youtube.com/channel/UC4-rik_U7doQyPpn4co48rw --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Summary Congress created an investment visa program, the EB-5 Program, in 1990 to stimulate the U.S. economy, specifically rural and depressed areas, through job creation and capital investment by foreign investors. The loopholes in the program, which sells a pathway to U.S. citizenship to wealthy foreigners and their families who invest in job-creation projects, quickly […]

Business owners are facing shrinking profit margins as they deal with higher costs for materials and rising wages. We take a look at what options businesses have, including raising prices. A look at why the stock market has been down in the past month. Businesses have been investing in new equipment, which can improve productivity at a time of labor shortages.