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Historically, one major reason has consistently been cited for the growth in housing costs in this country: the rising cost of building homes. But that relationship is changing. In this episode, University of Chicago economist Chad Syverson breaks down 75 years of data to reveal a surprising truth—construction costs and housing prices have become "completely decoupled." From the post-WWII boom to today's record-breaking market, Syverson explains why building materials and labor costs can no longer explain skyrocketing home prices, and what factors are really driving the housing affordability crisis.
2025-04-21 Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-04-14 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-03-31 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-03-17 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-03-10 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-03-03 | Deep In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-02-23 | Dharma Talk | Not Two- The Appamada Story | Peg Syverson by Appamada
Audio timeline: 0:10 - Reports on practice activity 25:13 - Dharma Talk - Virya
0:00 - Reports on practice activity 17:02 - Dharma Talk - Prajnaparamita
2025-02-21 | Intensive | Dharma Talk | Dhyana | Peg Syverson & Ellen Hippard by Appamada
2025-02-19 | Intensive | Dharma Talk | Ksanti | Peg Syverson & Nelly Myoju by Appamada
2025-02-18 | Intensive | Dharma Talk | Morality | Peg Syverson & Joel Barna by Appamada
2025-02-17 | Intensive | Dharma Talk | Generosity | Peg Syverson & Joan Harman by Appamada
2025-02-16 | Intensive | Dharma Talk | Six Perfect Practices to Cultivate Joy | Peg Syverson by Appamada
2025-02-10 | Deep In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-02-03 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-01-27 | Deep In Practice | Not Two: The Appamda Story | Peg Syverson by Appamada
2025-01-21 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-01-13 | Deep In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2025-01-06 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2024-12-09 | Depth In Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
2024-11-25 | Depth in Practice | Not Two: The Appamada Story | Peg Syverson by Appamada
✨ Special Giveaway! ✨I'm hosting a fun challenge to help spread the word about the podcast.Here's how to enter:1️⃣ Rate & review the show.2️⃣ Send me a screenshot of your review.You'll be entered to win one of these 3 prizes:☕ A Starbucks gift card
2024-0-30 | Day 4/Part 1 | Integrated Intensive | Trust in community | Peg Syverson by Appamada
00:00:26 - Peg Offers an exercise relating to Spiral dynamics 00:08:45 - Participants Get into groups of 3 for 30 minutes 00:08:52 - Reflections and Teachings
Looking at Spiral dynamics/Change States
Looking at what part of the Change Process you are in now. 00:00:26 - Dharma Talk 00:03:35 - Writing Exercise/Assignment 00:08:56 - Peg offers the Groups of 3 exercise 00:09:37 - Breakout rooms for 15 minutes in groups of 3 00:09:46 - Reflections/Teachings
Spiral Dynamics and Spirituality Spiral Dynamics Values Profile ‘This I Believe' responses Spiritual Collectives 00:00:35 - Book Reccommendation - Belonging: The Science of Creating Connection and Bridging Divides - Geoffrey L. Cohen 00:04:34 - Spiral Dynamics Values Profile 2: Handout 1
2024-11-01 | Day 6/Part 2 | Integrated Intensive | Trust in Community | Peg Syverson by Appamada
00:00:26 - Dharma Talk 00:13:54 - Eihei Koso Hotsuganmon (Page 38 in the Chant Book)
00:00:26 - Dharma Talk 00:16:13 - Overview of the Coming Week 00:22:55 - Opening up for Questions/Reflections 00:33:52 - Meeting the Sangha
00:00:26 - Peg Offers an Exercise on Belonging 00:01:13 - 4 Questions: Writing Activity (see Below) 00:05:54 - Reflections Writing Activity: Belonging 1. Take a few moments and become mindful. Recall a situation where you felt a true sense of belonging. Briefly describe the situation and then, how you felt. What gave you a felt sense that you belonged? 2. Again, becoming mindful, recall a situation where you distinctly felt like you didn't belong. Describe the situation, briefly. And then, what did that experience feel like? What were the cues in the situation itself that signaled to you that you belonged or didn't belong? 3. Have you ever been in a situation where you were not sure, at least at first, whether you belonged or not, and something happened that convinced you one way or the other? What happened? 4. Have you ever reached out to help someone feel they belong? Have you ever held back from reaching out in that way? 00:05:54 - Reflections
Day 3/Part 1 00:00:26 - Overview 00:01:45 - Dharma Talk
Listening/Meditation Exercise Led by Peg Syverson
Federal data shows thousands of non-citizens who have crossed into the United States are charged with serious crimes. Four Senate Republican members are calling on state and federal leaders to address the impact of this looming threat on the safety of Illinoisans.
The definition of synergy is two things put together, having an effect greater than the sum of the parts. Synergy can play a beneficial role in family finances. A case in point is an ABLE account working together with a special needs trust for a person with disabilities. Matt Syverson joins us today to talk about it.Matt Syverson is Managing Partner & Senior Wealth Advisor for Sound Stewardship in Overland Park, Kansas. He is also a Certified Financial Planner (CFP®) and a Certified Kingdom Advisor (CKA®). What is an ABLE Account?An ABLE account, short for “Achieving a Better Life Experience,” is a tax-advantaged savings account specifically designed for individuals with disabilities. It allows them to save money and work without losing access to crucial government benefits like Supplemental Security Income (SSI) and Medicaid, which have strict asset limits of $2,000 for individuals and $3,000 for couples. The key features of an ABLE account include:Eligibility: Available to those who are blind or disabled before age 26 (rising to 46 in 2026).Savings Opportunity: Allows individuals to work and save without exceeding government asset limits.Tax Benefits: Often provides state tax deductions similar to 529 college savings plans.Contribution Limits: The lifetime maximum contribution limit aligns with 529 plans but should stay under $100,000 to avoid affecting SSI or Medicaid.Qualified Expenses: Can be used for day-to-day needs like food and rent, excluding vices like alcohol or gambling.No Impact on Government Benefits: ABLE account balances won't disqualify the individual from receiving SSI or Medicaid.It's important to note that in most states, there is a Medicaid payback provision, which allows the state to recover funds from the ABLE account to cover medical bills after the account holder's passing. However, some states, including Kansas, have removed this clawback provision, making these accounts even more attractive for families.What is a Special Needs Trust?A special needs trust (SNT) is a more established tool designed to protect individuals' eligibility for government benefits while allowing families to manage significant assets. This trust can hold homes, vehicles, real estate, investments, and various accounts like IRAs or Roth IRAs. Key benefits of a special needs trust include:Asset Management: Can hold a wide variety of assets that would otherwise disqualify someone from receiving government benefits.Estate Planning Certainty: Spells out how the assets will be managed and distributed after the individual's passing.No Medicaid Clawback: Unlike ABLE accounts, SNTs are not subject to Medicaid payback provisions, providing greater long-term financial security.Spending Flexibility: Can cover a wide range of expenses not covered by government programs.However, special needs trusts come with a downside. If the trust is used to pay for food or rent, the SSI benefit will be reduced by $334 per month. Additionally, any direct payments to the individual from the trust can affect SSI income, so careful management is required.How Can ABLE Accounts and Special Needs Trusts Work Together?Combining an ABLE account with a special needs trust can offer significant advantages for families. The ABLE account can be used for day-to-day expenses, while the special needs trust can be preserved for larger, long-term financial goals. This separation allows for greater flexibility and financial independence.Day-to-Day Needs: An ABLE account can cover immediate expenses like food and rent without reducing SSI benefits.Long-Term Planning: A special needs trust can hold larger assets and ensure they are passed on to future beneficiaries without impacting government benefit eligibility.Tax Benefits: ABLE accounts enjoy tax-free growth and withdrawals for qualified expenses, while special needs trusts are fully taxable each year. Therefore, it is beneficial to use the ABLE account for specific expenses to maximize tax savings.Why Go Through the Effort?Setting up both an ABLE account and a special needs trust takes planning, but the benefits are well worth it. ABLE accounts are simple and inexpensive to establish, offering tax advantages and flexibility for everyday expenses. Special needs trusts, while more complex and costly, assure that your loved one will retain their benefits and that their assets will be managed according to your wishes.When creating these plans, it's crucial to consult with an attorney and a financial advisor. Coordinating contributions to the ABLE account and the special needs trust is crucial to avoid exceeding limits that could affect eligibility for government benefits.Combining an ABLE account with a special needs trust can provide powerful financial synergy for families caring for a loved one with disabilities. With the right planning, these tools help ensure both short-term financial needs and long-term security, allowing your family member to thrive and achieve their God-given potential.On Today's Program, Rob Answers Listener Questions:My wife and I have the opportunity to purchase land and build a home using a VA loan. We currently own 8 acres with a mobile home, and we're trying to decide whether to get a double-wide mobile home or build a metal shop/barn instead. We have six kids, so finding the right long-term housing solution is essential. What is the best approach for us?Resources Mentioned:Sound StewardshipLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Podcast Episode Synopsis: In this episode of Unraveling Adoption, I, Beth Syverson, provide a detailed update on the latest happenings within the Unraveling Adoption community. As an adoptive mom to my son Joey, we are dedicated to delving into the complexities of adoption and providing support to those impacted by adoption. Book Launch Announcement: The main highlight of this episode is the impending launch of our first book in the Unraveling Adoption book series. Titled Adoption and Suicidality, this anthology features stories, poems, and resources for adoptees, families, healthcare professionals, and allies. The book, co-authored by Joey and me along with 14 contributors, aims to open up conversations about suicide, a crucial but often overlooked topic in the adoption community. The book features contributions from 11 adoptees who share their personal struggles with suicidality, as well as three mothers who tragically lost their children to suicide. Dr. Joyce Maguire Pavao, an adoptee and psychotherapist, has written the Foreword, lending her expertise to the project. The book is divided into three sections: our family story, contributions from adoptees and mothers, and a comprehensive list of resources for support. Listeners are invited to join the book launch team, where they can receive a free copy of the book in advance and help spread the word on social media. The goal is to reach a wide audience, including therapists, pediatricians, adoption agencies, and individuals with struggling teens. I also discuss upcoming books in the series, focusing on topics like adoption and sacred plant medicine and adoption and ADHD. Community Engagement: Listeners are encouraged to explore the Unraveling Adoption Patreon, where they can support the podcast and gain access to exclusive benefits. I express gratitude to current Patreon supporters and extend an invitation to join the community. Coaching Services: As a certified coach, I offer coaching services aimed at validating experiences and guiding individuals towards solutions. Special discounts are available for podcast listeners who book coaching sessions in July 2024. ===============
Today I'm talking to Beth Syverson, an adoptive mom, host of the podcast Unraveling Adoption and mother to a son who struggles with his mental health and substances.Beth discovered that her son's issues stem from trauma (which is quite common). His trauma however, is one many people don't think about; adoption relinquishment.What Beth and I discuss is relevant to you whether your child is adopted or not. But if you're like me, and adopted your child, it will be eye-opening indeed.You can find Beth's Free Community for adoptive parents (and parents through foster, kinship, surrogacy, etc.) at APtitude. This is her free "start here" resource for adoptive parents who really want to learn more about adoption trauma. And you can join her email list here.Show Notes for other resources and sourcesTranscriptFind our FREE Parenting Guides Here"I just wanted to let you know that I'm so thankful for your podcast! ...I'm so happy I discovered it!" Speaking of Teens Listener^If you feel the same way, please consider rating and reviewing my show! This helps people know the show is worth their time to listen. Tap here, to go to Apple podcasts, and scroll down until you see the STARS to tap on the last star, then tap on “Write a Review” and let me know what you love about the show. If you're listening in Spotify, you can also rate the show by going to the main episode page and tap the 3 dots to the right of the follow button, tap rate show and tap the 5th star!Thank you in advance for helping me help more parents!I drop new episodes every Tuesday and Friday so please tap Follow on the main episode page, so they'll be ready for you in your app.You can reach out to me with ideas for the show or guest suggestions here. Thanks so much for listening! Check out PARENT CAMP - a monthly membership where you will learn how to strengthen your relationship and decrease the conflict with your teens and tweens (while improving their behavior.) Plus, expert advice on everything from drug use to screen time and everything in between. Join our Facebook Group for Free Support for Parents and others who care for Teens (and get immediate access to all the parenting guides above!) Connect with us on Facebook or Instagram Get the FREE GUIDE, "Emotional Awareness Strategies"
Steve Layman visits with Montana State assistant director of media and Belmont MSA alumnus Noah Syverson. The two discuss Syverson's upbringing as the son of a coach, his connections to Nashville, Georgia and Montana, and his personal journey from Berry College to Belmont and beyond. Syverson also shares about his enriching educational and professional experiences in the Belmont MSA program, the unique circumstances that led him to Montana State, and the Bobcats' remarkable ride during men's basketball season. Syverson also reflected on memories during March Madness and personal advice for aspiring professionals.
00:00:43 - Recap of the Book so Far 00:07:23 - Peg Begins Reading ‘Not Two' - Part 3 - Chapter 10 - Becoming who you are
00:46:03 - Joy Chose You - By Donna Ashworth JOY CHOSE YOU Joy does not arrive with a fanfare on a red carpet strewn with the flowers of a perfect life joy sneaks in as you pour a cup of coffee watching the sun hit your favourite tree just right and you usher joy away because you are not ready for her your house is not as it should be for such a distinguished guest but joy, you see cares nothing for your messy home or your bank balance or your waistline joy is supposed to slither through the cracks of your imperfect life that's how joy works you cannot truly invite her you can only be ready when she appears and hug her with meaning because in this very moment joy chose you.
00:01:48 - Peg anf Flint read Fukanzazengi - Eihei Do-gen (P.p 30 Appamada Chant Book) 00:11:28 - Flints Asks ‘What was it like to hear it read out in this way'? 00:26:49 - Flint Reads a poem by Marie Howe (see Below) 00:32:33 - Peg reads a Poem by Dogen Easter Two of the fingers on his right hand had been broken so when he poured back into that hand it surprised him—it hurt him at first. And the whole body was too small. Imagine the sky trying to fit into a tunnel carved into a hill. He came into it two ways: From the outside, as we step into a pair of pants. And from the centre—suddenly all at once. Then he felt himself awake in the dark alone. - Marie Howe
00:00:59 - Peg Reads Huineng Poem 00:02:18 - Peg reads a section of the Fukanzazengi (Eihei Do- gen ) regarding Zazen Huineng Poem Deluded, a Buddha is a sentient being; Awakened, a sentient being is a Buddha. Ignorant, a Buddha is a sentient being; With wisdom, a sentient being is a Buddha. If the mind is warped, a Buddha is a sentient being; If the mind is impartial, a sentient being is a Buddha. When once a warped mind is produced, Buddha is concealed within the sentient being. If for one instant of thought we become impartial, Then sentient beings are themselves Buddha. In our mind itself a Buddha exists, Our own Buddha is the true Buddha. If we do not have in ourselves the Buddha mind, Then where are we to seek the Buddha? By: Huineng
00:00:33 - Peg Reads a Poem ‘Enlightenment' by Vijay Seshardi 00:05:54 - Offering Comprehensive Instruction on Posture/Sitting Zazen 00:32:51 - Questions/Reflections 00:35:00 - Peg Offers Instruction on a Practice (Groups of 3) - 'Narrating on Present Moment Experience Whilst Sitting in the Zazen Posture' 00:37:48 - Participants Join Groups of 3 for 10 Minutes 00:37:57 - Reflections/Comments Vijay Seshadri 1954 – “It's all empty, empty,” he said to himself. “The sex and drugs. The violence, especially.” So he went down into the world to exercise his virtue, thinking maybe that would help. He taught a little kid to build a kite. He found a cure, and then he found a cure for his cure. He gave a woman at the mercy of the weather his umbrella, even though icy rain fell and he had pneumonia. He settled a revolution in Spain. Nothing worked. The world happens, the world changes, the world, it is written here, in the next line, is only its own membrane— and, oh yes, your compassionate nature, your compassion for our kind.
00:00:27 - Flint and Peg Describe the Activity for small Groups of 3 00:03:00 - The Sangha Brings forth Questions for Flint and Peg
00:21:22 - Peg Invites Questions/Reflections 00:32:10 - Taco Time
In this episode, we continue the conversation with Jason Gunkel, who is a financial advisor with a West Des Moines firm called Syverson Strege. Jason gives us an overview of Syverson Strege, we talk about how they are unique and who they serve as clients, and Jason shares his plans for a podcast of his own, called Prayers & Profits. And although Syverson Strege is technically a competing firm, I have a lot of respect for Jason and the work they do. We understand that not everyone is going to be the right fit with Integrity Wealth Management, and in those cases, we'd rather point you in the direction of firms who may be a better fit. *this episode was recorded in video format, so if you'd like to watch, find us on YouTube Connect with Loren: Share More & Get in Touch LinkedIn: Loren Sherman Podcast Page Connect with Jason: Prayers & Profits- podcast coming soon Jason's Bio
Matt Syverson is a Certified Financial Planner and Certified Kingdom Advisor in Overland Park, Kansas. He's also a specialist in helping families understand and set up ABLE accounts. WHAT ARE ABLE ACCOUNTS AND HOW DO THEY COMPARE TO 529 EDUCATION SAVINGS ACCOUNTS?ABLE accounts, akin to 529 education savings accounts in terms of contributions and tax treatments, are designed to assist individuals with disabilities by allowing for the accumulation of resources without affecting their eligibility for government assistance.ABLE accounts, initially referred to as 529A plans, are intended for individuals with disabilities, allowing them to save beyond the typical asset limits set by government assistance programs.These accounts enable the saving of funds for a broad range of needs beyond just educational expenses, providing a more flexible financial support system for people with disabilities. WHO IS ELIGIBLE FOR AN ABLE ACCOUNT, AND WHAT ARE THE CONTRIBUTION LIMITS?ABLE accounts are specifically for individuals receiving or eligible for Supplemental Security Income (SSI) due to a disability onset before age 26, with annual contribution limits matching the federal gift tax exclusion amount.Eligibility for ABLE accounts extends to individuals with significant disabilities with an onset before age 26, who are recipients of or qualify for SSI, allowing for a greater financial cushion without risking their SSI benefits.The annual contribution limit to an ABLE account is set at $18,000, aligning with the annual gift tax exclusion, enabling families and the individual to contribute without tax penalties and without affecting the individual's SSI asset limits. HOW DO ABLE ACCOUNTS AFFECT SSI BENEFITS, AND WHAT ARE QUALIFIED DISABILITY EXPENSES?ABLE accounts do not count towards the SSI $2,000 asset limit, and funds can be used for a wide array of disability-related expenses without impacting SSI benefits, offering significant flexibility and financial relief.Contributions to ABLE accounts and the savings therein do not affect an individual's eligibility for SSI as long as the account balance stays below $100,000, thus providing a secure means to save and support disability-related needs without jeopardizing SSI benefits.Qualified disability expenses are broadly defined, covering any costs related to living with a disability, including but not limited to housing, education, healthcare, and personal support services, thereby offering a versatile tool for financial planning and care. HOW ARE ABLE ACCOUNTS MANAGED AND WHAT ARE THE INVESTMENT OPTIONS?ABLE accounts are state-sponsored, similar to 529 plans, with investment options ranging from aggressive to conservative portfolios, as well as offering FDIC-insured options with debit card access for day-to-day expenses.Each state sponsors its own ABLE program, with only a few exceptions; individuals can choose to open an account in any participating state, often guided by the specific features and benefits offered by each state's plan.Investment options within ABLE accounts vary, allowing for tailored investment strategies according to the beneficiary's needs and risk tolerance, including the possibility of a portion being allocated to a checking-like account with FDIC insurance for immediate needs.ABLE National Resource Center:able nrc.org ON TODAY'S PROGRAM, ROB ANSWERS LISTENER QUESTIONS:I have a 401k from a previous employer and a portable pension; I'm wondering if I can roll these over into an existing IRA Roth, or if I need to consolidate them into a new IRA.My daughter is looking to buy a house or land and pay cash, but someone suggested delayed financing to get her cash back and then get a mortgage; I'm trying to understand what that is.We have a family business and are currently with a credit card processing company that does not share our Christian values. We are looking for recommendations on credit card processing companies that might be more aligned with our values. RESOURCES MENTIONED:Inspire InsightChristian Community Credit Union Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach. Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.