Podcasts about Scotland

We can make a difference, whether it's make positive change on the changing climate or helping indie Celtic musicians get their music heard on the Irish & Celtic Music Podcast #710. Subscribe now! Jocelyn Pettit & Ellen Gira, Adam Agee & Jon Sousa, The AML Trio, Fourth Moon, Brendan Hayes/Fergal Scahill/Padraig Rynne, Heather Alexander, Ghost Of A Banshee, Whiskey Faithful, Olivia Barrett, Rebecca Winckworth, Muireann Nic Amhlaoibh, Crikwater, Phoenyx, Stinky Ocean Kelpie, Journey North, Celia Farran GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items for Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have just three weeks to vote this year. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2-3 weeks. THIS WEEK IN CELTIC MUSIC 0:06-Jocelyn Pettit & Ellen Gira "Passport to Mettabee" from Here to Stay 4:13-WELCOME 6:16-Adam Agee & Jon Sousa "Coppers and Brass / Munster Buttermilk" from Ceol na gCarad 10:15-The AML Trio "Brennan on the Moor" from Sons Of Erin's Isle 12:18-Fourth Moon "Prater Park" from Ellipsis 18:42-Fiona Tyndell "Airdí Cuan" from Éinin An Cheóil 22:34-FEEDBACK 25:27-Heather Alexander "Brannigan's Special Ale" from Midsummer 27:53-Ghost Of A Banshee "I Bid You Farewell" from Along The Rural Trail 30:56-Whiskey Faithful "Roamin' in the Gloamin'" from Roamin' in the Gloamin' 33:20-Olivia Barrett "The Sparkle Horse" from Elsewhere 35:32-Rebecca Winckworth "Dusk Starts to Fall" from Chapters of Time 39:06-Muireann Nic Amhlaoibh "Banks of the Nile" from daybreak: fainne an lae 43:27-THANKS 45:50-Phoenyx "King of Elfland's Daughter" from Keepers of the Flame 49:12-Crikwater "Angels' Share (Live)" from Live in Buffalo 53:08-Stinky Ocean Kelpie "Kerry Polka Donks" from single 55:31-Journey North "Bannockburn" from Journey North (Revisited) 1:01:38-CLOSING 1:02:29-Celia Farran "I'll Tell Me Ma" from The Bard of Armagh:  A Tribute to Tommy Makem 1:04:46-CREDITS The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. ⚡ Episode 2: What You Do MattersEvery action counts. Use less energy. Waste less. Demand clean power. When millions of people make small changes, the impact is massive. This isn't just about the planet—it's about protecting our homes, our health, and our future. Change doesn't happen alone. Start a conversation. Ask a question. Vote like the planet depends on it—because it does. Your children, your neighbors, and your future self are counting on you to speak up today. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Folk Songs & Stories. This podcast is for fans of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Email follow@bestcelticmusic to learn how to subscribe to the podcast and you will get a free music-only episode. You'll also learn how to get your band played on the podcast. Bands don't need to send in music, and You will get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic WHAT IS AN ALBUM PIN? An album pin is a lapel pin with artwork inspired by a specific album or song from an album. It could be the actual album artwork or it could be inspired by a specific track on the album. The best album pins stand out on their own. They appeal to more than just your fans. It is simple, bold, and visually engaging. However, what truly makes it an “album pin” is that the purchaser also gets a digital album with their pin. I have an entire blog on my website with details including templates for you to make your own album pin jacket. THANK YOU PATRONS OF THE PODCAST!

Join us as we wing our way to the Land of Oz and hear what David Robertson has to say about a thing or two. He will tackle subjects like: If you know a corporation is supporting abortion, do you support that corporation? Why is Denmark fighting over its religious heritage? And why does a former leader in Scotland push back against the idea that only biological women are women? Learn how to apply the Word to the world around us.Become a Parshall Partner: http://moodyradio.org/donateto/inthemarket/partnersSee omnystudio.com/listener for privacy information.

Step into the bloom of RHS Chelsea 2025! In this special episode, we delve into the standout themes, emerging trends, and — of course — the spectacular plants that define this year's show. Journey with us from Scotland's wild coastal landscapes to the dappled canopies of urban forests, as we meet the visionary designers behind 2025's most breathtaking gardens. We'll also shine a spotlight on the real stars of the show: the plants themselves — and the groundbreaking breeders competing for the prestigious RHS Chelsea Plant of the Year award.   Hosts: Jenny Laville, Gareth Richards, Tom Howard, James Armitage   Links: Chelsea Flower Show tickets Chelsea Flower Show gardens Chelsea Plant of the Year RHS Hampton Court Palace Garden Festival RHS Flower Show Wentworth Woodhouse

Jim took the April 2025 New Music train out for a spin and dropped it off in Scotland, where Steven Routledge takes over and steams back across the Atlantic to pick up Bob Peterson in Wisconsin. This pair of new music aficionados discuss tunes from Brown Horse, Messa, Suede, Bon Iver, Etran de L' Air and Lifeguard. Rockin' the Suburbs on Apple Podcasts/iTunes or other podcast platforms, including audioBoom, Spotify, Google Podcasts, Amazon, iHeart,Stitcher and TuneIn. Or listen at SuburbsPod.com. Please rate/review the show on Apple Podcasts and share it with your friends. Visit our website at SuburbsPod.com Email Jim & Patrick at rock@suburbspod.com Follow us on the Threads, Facebook or Instagram @suburbspod If you're glad or sad or high, call the Suburban Party Line — 612-440-1984. Theme music: "Ascension," originally by Quartjar, next covered by Frank Muffin and now re-done in a high-voltage version by Quartjar again!  Visit quartjar.bandcamp.com and frankmuffin.bandcamp.com.

Not everyone dreams of driving on the “wrong” side of the road while navigating hairpin turns and tiny village streets—and if that's you, you're not alone. The good news? You can experience the beauty, charm, and adventure of Scotland without ever getting behind the wheel. In this episode of the Scotland, Your Way series, I'm breaking down exactly what it's like to travel through Scotland car-free. We'll cover how to make the most of the country's trains, long-distance buses, and ferries, and where those routes can actually take you. I'm also walking you through some key questions to consider before you commit to a no-car itinerary—because while it's absolutely possible, it's not the right fit for everyone. If you're dreaming of a Scottish getaway without the pressure of driving, this episode will help you figure out how to make it work—on your terms. → Get SUPPORT designing your SCOTLAND TRIP ← Connect w/ Angela on Instagram LISTEN BACK: Episode 76: Travel Style Series 2.0: Is Your Travel Style Keeping You in Your Comfort Zone? Episode 237: Scotland, Your Way // A Guide to Every Region Episode 238: Scotland, Your Way // A Guide to the Scottish Isles Episode 243: Scotland, Your Way // Driving in Scotland (Part 1) Episode 244: Scotland, Your Way // Driving in Scotland (Part 2)

Andy Burke is joined by Stephen McGowan and Joelle Murray as we discuss the sacking of Dundee manager Tony Docherty, what awaits Derek McInnes at Hearts and we run the rule over Steve Clarke's latest Scotland squad.

We go outside for the start of our roadshow.   https://folkinscotland.wixsite.com/mysite http://derekfindas.bsky.social/

**This episode contains some descriptions of torture and executions**If you lived in Scotland in the 1500s, it was highly likely that you, or someone you knew, would be tried as a witch. Witch hunts and executions ripped through the country for over 150 years, with at least 4,000 accused, including men. Professor Suzannah Lipscomb explores this dark chapter in Scottish history with campaigners Claire Mitchell and Zoe Venditozzi, founders of the Witches of Scotland. Together they discuss the societal and legal conditions that allowed for accusations and executions, culminating in a formal apology in 2022 from then First Minister Nicholas Sturgeon.Presented by Professor Suzannah Lipscomb. The researcher is Alice Smith, audio editor is Amy Haddow and the producer is Rob Weinberg. The senior producer is Anne-Marie Luff.Theme music from All3Media. Other music courtesy of Epidemic Sounds.Not Just the Tudors is a History Hit podcast.More:Witchfinder Generalhttps://open.spotify.com/episode/6b1kxIw1rs903xC8CpAFvLThe Witchhttps://open.spotify.com/episode/0vMBNuE1iTCcHluxo0a5r2Sign up to History Hit for hundreds of hours of original documentaries, with a new release every week and ad-free podcasts. Sign up at https://www.historyhit.com/subscribe. You can take part in our listener survey here: https://insights.historyhit.com/history-hit-podcast-always-on

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

What if the freedom you're chasing won't come unless you fight for it?This week's Behind Closed Doors dives into Braveheart—not just the movie, but the heart behind it. Jim unpacks how one of history's most iconic films mirrors the reality of men growing up without fathers, and how a good man stepping in can change everything. Through the story of William Wallace, we get a powerful look at courage, sacrifice, and the cost of real freedom—especially for those still carrying the weight of old chains.Wallace's fight for Scotland's freedom parallels the fight every man faces—for his integrity, his family, his soul. Forge, our new mentorship initiative, is how we start pushing back against fatherlessness right here, right now. Whether you're a single mom praying for help or a man ready to lead, this talk makes it clear: the time is now. Choose to fight. Choose freedom.

Today we welcome George Lyon onto the R2Kast!

This episode of SpaceTime covers a range of exciting topics, including the delayed launch of Gilmour Space's Eris rocket, groundbreaking discoveries on Venus, and a billion-year-old asteroid impact in Scotland that raises new questions about the evolution of life on Earth.Eris Rocket Launch DelayedGilmour Space has postponed the maiden launch of its Eris orbital rocket due to technical issues encountered during pre-flight checks. The rocket, designed to carry small satellite payloads, will now face a delay of at least three weeks as the company investigates the unexpected deployment of the launch vehicle's nosecone fairings. We discuss the implications of this delay and what it means for future commercial launches.Tectonic Activity on VenusIn a fascinating discovery, scientists have identified possible tectonic activity on Venus, based on data from NASA's Magellan mission. Researchers found evidence of unique geological features known as coronae, which may indicate ongoing deformation of the planet's surface due to molten material from below. This research not only enhances our understanding of Venus but also offers insights into Earth's geological history.Ancient Asteroid Impact in ScotlandA recent study has revealed that a massive asteroid impact in Scotland occurred 990 million years ago, much later than previously thought. This discovery, based on dating tiny zircon crystals, suggests a connection between this impact event and the emergence of early freshwater eukaryotes on land. We delve into the implications of this revised timeline for our understanding of life on Earth and the environmental changes triggered by such impacts.www.spacetimewithstuartgary.com✍️ Episode ReferencesScience Advanceshttps://www.science.org/journal/sciadvJournal of Geologyhttps://www.geosociety.org/publications/gsa/geo.aspBecome a supporter of this podcast: https://www.spreaker.com/podcast/spacetime-space-astronomy--2458531/support.00:00 This is Space Time Series 28, Episode 60 for broadcast on 19 May 202500:54 Gilmour Space's Eris rocket launch delayed10:15 Possible tectonic activity discovered on Venus18:45 Billion-year-old asteroid impact in Scotland raises questions about early life on Earth25:00 Science report: Unexplained communications equipment found in Chinese-made solar panel inverters

Awrite hens and laddies, and welcome to a very special episode of Front End Chatter presented, ingested and recorded LIVE at the Highland Fling tour(s) in bonnie, sunny (no, really) Scotland! With not a lot to discuss in the world of motorcycling at the moment - other than the uncertain future of one of Europe's biggest bike manufacturers, plus a raft of new flagship models revealed by another of Europe's biggest bike manufacturers - our fabulous FECers have boldly stepped into our creative breach. Episode #212 is a Live FECsack extravaganza, with a wealth of wicked wonderings wittered by Highland Fling tourists spaken in the vague direction of Simon McHargreaves and Martin McFitz-Gibbons, including but not limited to… Does the rise of Chinese bikes mean certain doom for European brands? What effect will US tariffs have on motorcycling? Can KTM repair its reputation - and who would we pick to run it going forwards? What substance, material or concept should power motorcyclings's future? If you could only ride one road for the rest of your life, which would it be? And what would you ride it on? What's all the fuss about two-strokes? What would be the least-enjoyable bike to ride the Highland Fling on? Risk - what is it, why do we take it, and how much do we try to avoid it?  What would be the best bike for Mufga and Si to ride two-up to Gdańsk? Thanks to everyone for the fabulous questions! Speaking of thanks, our recognition, acknowledgement and gratitudes are, as always, directed to Bennetts, Britain's best bike insurers, and BikeSocial.co.uk, home to all the very best motorcycling news and reviews. Plus our enormous, heartfelt appreciation to Paul at MCi Tours - mcitours.com - for all his graft in taking charge of the grown-up logistics that enabled the FEC Highland Fling tours to happen. Thank you, Papa Smurf, sorry you couldn't make it, and see you in September! Right, that's it, we're outta here, dinner's calling. Regular service resumes soon(ish) so please keep your emails coming in to anything@frontendchatter.com Guid cheerio the nou!      

In this "Scotland Then" episode we explore historical events from October 1985. We cover diverse stories, including a Yorkshire visitor's misadventures in Oban, a tragic fatal accident due to a misplaced breathing tube, a fatal wedding day altercation, two murders involving young perpetrators, and a museum T-shirt design competition.The episode highlights the challenges of finding complete information on historical events, and encourages listener engagement regarding the T-shirt competition outcome.SOURCES:Please see our website for all source material and photos at scottishmurders.com/episodes/philipwongBRITISH NEWSPAPER ARCHIVE AFFILIATE:British Newspaper ArchiveSHOW: Support Us: ko-fi.com/scottishmurdersPatreon - patreon.com/scottishmurdersMerch - teepublic.com/user/scottishmurdersWebsite - scottishmurders.comTwitter - @scottishmurdersInstagram - @scottishmurderspodcastFacebook - facebook.com/scottishmurdursYouTube - @ScottishMurdersLinktree - linktr.ee/scottishmurders CREDITS:Scottish Murders is a production of CluarantonnResearched, Written, Edited and Hosted by Dawn YoungProduction Company Name by Granny RobertsonMUSIC:ES_Tudor - Bonnie Grace - epidemicsound

This week we consider the Christian's relationship to revolution. In the first reading, we ask how the Christian is to relate to the 'spirit of Revolution' embodied in the French Revolution (a movement that is still with us, bearing fruit in our own politics and society). Towards the end of the episode we consider Francis Schaeffer and Samuel Rutherford in their arguments for civil resistance to ungodly authority. Is it right to oppose the humanistic revolutionary spirit, if necessary, by force? These and other questions are given attention in this episode of the Magazine Podcast.   Featured Resources: – Jan Freeke, 'The Life and Work of Groen van Prinsterer', Banner of Truth Magazine, Issue 430 (July 1999). – D. Martyn Lloyd-Jones, 'The Christian and the State in Revolutionary Times', The Puritans: Their Origins and Successors (Edinburgh: Banner of Truth, 1987, 2024), pages 393–396. – John Legg, 'The Christian and Revolution', Banner of Truth Magazine, Issue 247 (April 1984).   Further Reading: D. Martyn Lloyd-Jones, The Christian and the State in Revolutionary Times A helpful, sustained treatment of issues around Church and State, the Christian and the State, civil disobedience, and other related subjects (including capital punishment, revolution, and pacifism) can be found in Dr. Martyn Lloyd Jones' treatment of Romans 13:1–7. This is published by the Trust in the Lloyd-Jones series as Volume 13: Life in Two Kingdoms and is also available freely in audio format from MLJ Trust.   About the Contributors: Jan Freeke is a member of the Free Presbyterian Church of Scotland congregation in Glasgow. D. M. Lloyd-Jones was the minister of Westminster Chapel, London, for 25 years and a noted evangelist and teacher. D. Martyn Lloyd-Jones author page. John David Legg (1936–2023) ministered in North Yorkshire (Reeth Congregational Church and Northallerton Evangelical Church) and in Shropshire (Shrewsbury Evangelical Church). Read John's obituary here.     Explore the work of the Banner of Truth: www.banneroftruth.org Subscribe to the Magazine (print/digital/both): www.banneroftruth.org/magazine Leave us your feedback or a testimony: www.speakpipe.com/magazinepodcast

The Ransomware Minute is a rundown of the latest ransomware attacks & news, brought to you Cybercrime Magazine, Page ONE for Cybersecurity. Listen to the podcast weekly and read it daily at https://ransomwareminute.com. For more on cybersecurity, visit us at https://cybercrimemagazine.com.

(00:01) Fairway Bunker Shots This chapter explores strategies for effectively getting out of fairway bunkers in golf. We discuss the importance of assessing the firmness of the sand and the technique of planting your back foot firmly to create a stable stance, allowing for a full, powerful swing without slipping. Additionally, we cover selecting the appropriate club based on the bunker lip and distance to the green, ensuring the club can clear the lip while aiming for the back edge of the green for optimal results. The focus is on understanding the conditions and adapting your approach to maintain control and maximize distance from the bunker. (13:03) Mastering Fairway Bunker Shots This chapter focuses on the strategies for successfully hitting golf shots from different types of bunkers, particularly fairway and greenside bunkers. We explore techniques for handling soft and firm sand conditions, emphasizing the importance of stance and club selection. The conversation highlights the differences in approach between fairway bunkers, where the goal is to advance the ball significantly, and greenside bunkers, which often require a softer touch to escape. Additionally, I provide practical advice for tackling the tricky 30 to 40-yard bunker shot by using a pitching wedge or a nine iron, encouraging players to adopt a simpler method for achieving greater distance. Through these insights, we aim to enhance players' bunker play and improve their overall game strategy. (20:52) Improving Bunker Play Techniques This chapter explores effective strategies for improving your golf game, particularly focusing on bunker play. We emphasize the importance of finding the right posture in the bunker, whether standing tall or maintaining a lower stance, to achieve consistency in shots. Practicing regularly to adapt to different sand textures and lie angles is key to mastering these skills. We discuss the "hinge and thump" technique, which is beneficial for getting out of both fairway and greenside bunkers. By applying these methods, you can improve your game and impress onlookers with your skillful bunker shots. We also remind listeners to engage with us via email for any specific golfing questions they may have. (25:18) Efficient Swing Techniques for Tough Lies This chapter explores a golf technique for hitting out of difficult lies, focusing on how to effectively use wrist hinging and positioning the ball in the stance to achieve optimal results. I discuss the concept of swinging the club straight up and down mentally, even though the swing forms an arc, to manage shots from the sand, fairway, and thick rough. By placing the ball forward in the stance, at the bottom of the swing arc, and maintaining a square club face, the technique enables the ball to shoot up high and land softly without the need to open the club face, which minimizes the risk of mishits. This method is contrasted with the traditional approach of putting the ball back in the stance, which can lead to lower, hotter shots. The conversation highlights how this technique is practical for amateurs who do not practice as much as professionals, and it circumvents the complexities of opening the club face and adjusting the stance, offering a simpler yet effective strategy for overcoming challenging lies. (34:42) Strategic Bunker Play Techniques This chapter explores the challenges and strategies associated with playing from fairway bunkers and green-side pot bunkers, emphasizing the importance of selecting the right club to safely clear bunker lips. We discuss how experienced players assess their trajectory and make informed club choices, often opting for a more lofted club to ensure they get out of the bunker on the first try. The conversation highlights the mindset of minimizing risks and making strategic decisions to avoid worsening a difficult situation. The thrill and technique of tackling Scotland's famous pot bunkers are also covered, with a focus on executing successful shots even when the primary goal is simply to escape the bunker. The discussion underscores the mantra of planning the next shot to optimize positioning for subsequent plays, emphasizing patience and strategy over ambitious distance. (41:43) Strategic Fairway Bunker Play Tips This chapter takes a reflective look at the strategic approach to dealing with fairway bunkers in golf. We reminisce about an impressive shot from a fairway bunker that defied the odds, but acknowledge that most players need to be realistic about their capabilities. Emphasizing the importance of understanding one's limitations, we discuss the necessity of selecting the right club to safely navigate out of a bunker and onto the fairway. The goal is to place the ball in a position that makes the next shot more manageable. We also consider the purpose of fairway bunkers, suggesting they serve as a prompt to think critically about shot placement and club selection, encouraging players to aim strategically to avoid landing in them.

mike@niddrie.org (Niddrie Community Church)no

Leadership in the Church Part 3; Rev. Bruce McDowall, Sunday 18th May 2025

Imagine a giant creature with two big heads! One might be shouting, and the other might look confused. They're very strong and have a giant body, sometimes covered in fur. They stomp through forests and can be quite scary.Can you guess what it is? ... An Ettin!

For centuries, there have been stories of a dinosaur-like cryptid roaming the waters of the Loch Ness in Scotland. To this day, sightings continue to lure in tourists as scientists work to identify or debunk the beast once and for all. But even with modern technology and DNA analysis – her existence can't be ruled out completely. For a full list of sources, please visit: sosupernaturalpodcast.com/legend-loch-ness-monsterSo Supernatural is an audiochuck and Crime House production. Find us on social!Instagram: @sosupernatualpodTwitter: @_sosupernaturalFacebook: /sosupernaturalpod

How did a headbutt at Ibrox that didn't even merit a yellow card lead to Duncan being sent to prison? Why was getting a haircut in prison one of the most terrifying experiences of his whole time being locked up? Why did he refuse numbers attempts by different Scotland managers to play for the national team again? Gary is joined by former Everton and Newcastle striker Duncan Ferguson to discuss his turbulent younger years and how he regrets not reaching his full potential as a football player. Part 2 of this interview will be released next week. Duncan's new autobiography - Big Dunc - is out now. Download SAILY in your app store and use our code RESTISFOOTBALL at checkout to get an exclusive 15% off your first purchase. For further details go to https://saily.com/restisfootball For more Goalhanger Podcasts, head to www.goalhanger.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

How did Britain cease to be global? In Untied Kingdom: A Global History of the End of Britain (Cambridge University Press, 2023), Professor Stuart Ward tells the panoramic history of the end of Britain, tracing the ways in which Britishness has been imagined, experienced, disputed and ultimately discarded across the globe since the end of the Second World War. From Indian independence, West Indian immigration and African decolonization to the Suez. Crisis and the Falklands War, he uncovers the demise of Britishness as a global civic idea and its impact on communities across the globe. He also shows the consequences of this diminished 'global reach' in Britain itself, from the Troubles in Northern Ireland to resurgent Englishness and the startling success of separatist political agendas in Scotland and Wales. Untied Kingdom puts the contemporary travails of the Union for the first time in their full global perspective as part of the much larger story of the progressive rollback of Britain's imaginative frontiers. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

In episode 107 I head north of the border to a stunning cemetery in Scotland's largest city. This city of the dead overlooks the city of the living, and its most prominent monument celebrates it's 200th birthday this year, predating the first burial here. With 50,000 of the city's dead buried here, it comes as no surprise that this place has long been rumoured to be haunted, but the best known supernatural entity said to lurk here in the darkness, is a vampire. A vampire which was so feared in the 1950s that school children descended on the graveyard with all manner of weapons, hell bent on putting an end to the monster. Let me tell you all about it, as you join me in asking, just how haunted is the Glasgow Necropolis? Support How Haunted? by subscribing and leaving a review. In July Rob will be taking on the "most difficult" walk in the North York Moors to raise money for Cancer Research UK. If you'd wish to sponsor us you can do so at justgiving.com/page/walk4john2025 Find out more about the pod at https://www.how-haunted.com and you can email Rob at Rob@how-haunted.com You can become a Patreon for as little as £1 a month. You can choose from three tiers and get yourself early access to episodes, and exclusive monthly episodes where Rob will conduct ghost hunts and you'll hear the audio from the night. You can even get yourself some exclusive How Haunted? merch. To sign up, and take advantage of a free seven day trial, visit https://patreon.com/HowHauntedPod Perhaps you'd rather buy me a coffee to make a one off donation to support the pod, you can do that at https://www.buymeacoffee.com/HowHauntedPod Music in this episode includes: Darren Curtis – Lurking Evil: https://youtu.be/3i0aVnpeppw " HORROR PIANO MUSIC " composed and produced by "Vivek Abhishek" Music link :https://youtu.be/xbjuAGgk5lU || SUBSCRIBE us on YOUTUBE: https://youtu.be/DQQmmCl8crQ || Follow on Facebook: https://bit.ly/33RWRtP || Follow on Instagram: https://bit.ly/2ImU2JV

Jack Lowden presents a drama-documentary series on the rise and fall of Bonnie Prince Charlie. In 1745 Charles arrives in Scotland – with an army of just seven men. He must find a way to persuade thousands of Highland clansmen to risk their lives to join him in his bid to restore the Catholic Stuarts as the ruling monarchy of Great Britain. Written by Colin MacDonald with original music by Duncan Chisholm. Narrator ..... Jack LowdenBonnie Prince Charlie ..... Lorn Macdonald Flora MacDonald ..... Hannah Donaldson Colonel John O'Sullivan ..... Gavin Mitchell Clan Chief MacDonald ..... Iain Macrae Donald Cameron ..... Sam James Smith Allan Cameron ..... Douglas YannaghasWritten by Colin MacDonaldMusic arranged by Duncan Chisholm Music performed by Duncan Chisholm, Ingrid Henderson, Martin O'Neill and Ross Ainslie. With contributions by historians, Jacqueline Riding, Alistair Moffat and Maggie CraigEdited by Kris MacConachie Studio Managers Sean Mullervy and Kris MacConnachie Executive Producer Gordon Kennedy Broadcast Assistant Clare HipkissProducer/Director Bruce YoungRecorded at BBC Scotland Drama Studios, Pacific Quay, Glasgow An Absolutely production for BBC Radio 4

How did Britain cease to be global? In Untied Kingdom: A Global History of the End of Britain (Cambridge University Press, 2023), Professor Stuart Ward tells the panoramic history of the end of Britain, tracing the ways in which Britishness has been imagined, experienced, disputed and ultimately discarded across the globe since the end of the Second World War. From Indian independence, West Indian immigration and African decolonization to the Suez. Crisis and the Falklands War, he uncovers the demise of Britishness as a global civic idea and its impact on communities across the globe. He also shows the consequences of this diminished 'global reach' in Britain itself, from the Troubles in Northern Ireland to resurgent Englishness and the startling success of separatist political agendas in Scotland and Wales. Untied Kingdom puts the contemporary travails of the Union for the first time in their full global perspective as part of the much larger story of the progressive rollback of Britain's imaginative frontiers. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs

Caylee Hammack talks to Baylen Leonard about how it feels to be performing at the iconic Royal Albert Hall for Highways Festival 2025. She talks about escaping to the highlands of Scotland to find inspiration for her music, her recent album 'Bed of Roses' and how it feels to play shows at some of country music's most prestigious venues.

Will Howell discusses Armor Edge's thermoformed polycarbonate leading edge protection for wind turbine blades. Their solution helps to mitigate erosion, enhance aerodynamic performance, and extend blade life. Allen Hall: Will welcome to the podcast. Thank you very much. Thanks for having me. So Joel and I have heard about Armor Edge for a couple, couple of years. Yeah. You're based in Scotland. Yeah. And we haven't seen you much in the United States and I haven't physically touched it. And of course we're sort of tangible. We gotta play with the the product. So this is the first time now we're here. Gotten to see the product. Yeah. Yeah. You wanna describe really what this product is for a leading edge protection?  Will Howell: Yeah, absolutely. So we are different to other LEPs out there on the market. And really that was the whole point of our design evolution, was to try to overcome some of the traditional downfalls of some of the other LEDs that have been prevalent on blades. So. Um, yeah, we've been around since, um, well about eight, eight years now. And we've been out in the market installed since 2020. So we're, as you mentioned, Edinburgh, Edinburgh, Scotland is a kind of a base. So our first installs were all offshore, north North Sea, so offshore, Denmark, offshore [00:01:00] Germany. Very harsh, harsh environments. But we wanted to, to design an an LEP that was, um, really. Overcoming some of the traditional pitfalls. So for us, that is the ease of installation, the longevity of the material, and also the a EP benefits that we, that we see. Um, as you see for the sample we have in front of us here today, it's uh, only a small piece that we take to show just to, to, to show our clients and customers. Um, but typically the shields are 850 mil mil long. Uh, they're made of a, a custom thermoformed, um, polycarbonate, a SA blend. We get the material formed into sheets, and then we drape that sheet over custom design molds that are tailored for the specific blade types. And that's how we get this perfect fit on every different blade that we're, that we're, um, that we have out, out there. So let's talk about the installation. Yeah.  Joel Saxum: Because that's [00:02:00] a, that's a really important one for me because on the podcast we always wanna talk about what problems we're, what problems we're solving. Sure. What problems you guys are helping the industry with. And one of the biggest ones with LAP, and it doesn't matter what the product really is, if it's tapes, if it's coatings, if if it's installed wrong, it's not gonna last. Yep. Yep. That's, that's the thing. So what have you guys done with this to help the technicians in the field to make it easier to make it. Last I want you to put on the line.  Will Howell: Yeah. I mean, I guess there's a lot of technology in terms of the performance of the, of the product. Um, both the adhesive and the material itself. But predominantly this was designed for rope access in the North Sea, so it had to be a product that the guys were. Able to handle up on, up on rope. Um, it wasn't gonna be affected by climatic conditions as much, um, and would really lead to a faster, but also therefore, a higher quality installation because of the way that it's put on, it's not so much of a artisanal process that some of these other LEPs seem to [00:03:00] suffer from. We want to. Train our technicians to deliver a high quality installation, but really you don't have to be a master LEP installer to get our, to get our kit on, our kit on Blade. And that's the feedback we've been getting from the technicians is that they find it, uh, easy to handle, easy to apply process, uh, in the field. Joel Saxum: What does Blade Prep look like before you put it on?  Will Howell: Well, another unique. Facet of the system is because the shields themselves are custom formed from a a semi-rigid material. The leading edge of the shields themselves doesn't confor...

Alistair Johnston, a Canadian right-back for Celtic in Scotland, joins Herc to dissect his experience with The Hoops, Jesse Marsch's tactics with the Canada Men's National Team in the lead-up to the 2026 World Cup on home soil, and share his thoughts on Lionel Messi's arrival in MLS.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the Irish & Celtic Music Podcast #709 . Subscribe now! Battlefield Band, Jocelyn Pettit & Ellen Gira, Tiffany Schaefer, Adam Agee & Jon Sousa, Scottish Fish, An Lár, Chris Gray, ÚLLA, Dom DufF, The Bog Hoppers, First Highland Watch, Battlelegs, The Flailing Shilaleighs, Sons of Malarkey GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items for Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have just three weeks to vote this year. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 0:06 - Battlefield Band with John Martin "Strathspey & Reels: The Braes of Mar / Pottinger's Reel / The Baker" from Beg & Borrow 3:38 - WELCOME 5:10 - Jocelyn Pettit & Ellen Gira "Arising" from All It Brings 9:28 - Tiffany Schaefer "Down by the Salley Gardens" from Tara's Halls 12:45 - Adam Agee & Jon Sousa "Lad O'Beirne's" from Ceol na gCarad 15:45 - Scottish Fish "Greenland Mans" from Upscale 19:39 - FEEDBACK 24:41 - An Lár "I walked this Road" from Deception 28:46 - Chris Gray "An Buachaillin Ban" from Fuist! 36:45 - ÚLLA "Mattie" from Ulla 40:22 - Dom DufF "Kan an Awen" from Roc'h 43:59 - THANKS 46:09 - The Bog Hoppers "Top Shelf" from Top Shelf 50:05 - First Highland Watch "Rowan Tree" from Drunken Piper 53:45 - Battlelegs "Barnyards of Delgaty" from Lost My Shoes 55:48 - The Flailing Shilaleighs "Old Man Colm" from Yours To Discover 59:14 - CLOSING 1:00:09 - Sons of Malarkey "Ye Jacobites (feat. Marney McCague)" from Chapter 1:03:32 - CREDITS The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor.

Curious about the latest trends in wellness travel? Travel journalist Julie Alpine shares her insider view on the locations, themes, and experiences that are currently taking the travel world by storm. From swimming with otters in Scotland to exploring the Costa Rican jungle, we discuss what makes a location truly special for retreat leaders and attendees alike. Diving into travel trends for 2025, we cover what retreat hosts should look for when choosing a location, and how they can create unforgettable experiences. Tune in to get the inspiration you need to bring your dream retreat to life. EPISODE HIGHLIGHTS: 01:15 Julie's introduction to yoga and wellness 01:57 The intersection of wellness and travel 05:01 Why the ‘who' is more important than the ‘where' 07:46 Hot trends in wellness travel in 2025 13:56 Up-and-coming wellness travel destinations 16:42 Exploring the elements in wellness travel 23:35 The role of genuine connection in travel 27:11 Conclusion and where to follow Julie EPISODE LINKS & RESOURCES: Episode 271: The Power of Place: How to Choose The Right Location for Your Yoga Retreat Follow Julie Alpine on Instagram @juliealpineofficial Recommended Retreat Centers PDF Retreat Roadmap

This week's sermon is the final in our series of revival sermons from Rev. Vernon Higham. Isaiah saw the need for revival in his day, and he cried out for it. We are also in great need of revival, and we hope the previous episodes have led you to cry out to God for it. In this final sermon, Rev. Higham shares with us the hope for revival from Isaiah 64:8-12. This hope is not the hope the world has. It is a solid, tangible thing because crying out for God's ungrieved presence among us is a prayer that pleases him. Dr. John Snyder ends this week's episode, as he has several others, with a book recommendation. He opted to leave you with a book edited by Richard Owen Roberts. If you have participated in the Behold Your God: Rethinking God Biblically study, you know Mr. Roberts. His book is titled Scotland Saw His Glory and recounts accounts of revival going back to the Scottish Puritan era. Show Notes: W. V. Higham Trust: https://www.wvhigham.org/ The Turn of the Tide by W. Vernon Higham: http://churchawakening.com/product/the-turn-the-tide/ Lectures of the Revival of Religion, by Ministers of the Church of Scotland edited by W. M. Hetherington https://www.abebooks.com/Lectures-Revival-Religion-Ministers-Church-Scotland/31027820289/bd Free ebook: https://play.google.com/store/books/details/Lectures_on_the_revival_of_religion_by_ministers_o?id=T-kDAAAAQAAJ&hl=en_US&gl=US&pli=1 Scotland Saw His Glory by Richard Owen Roberts https://www.rorbooks.com/index.php/product/scotland-saw-his-glory-a-history-of-revivals-in-scotland/ Want to listen to The Whole Counsel on the go? Subscribe to the podcast on your favorite podcast app: https://www.mediagratiae.org/podcasts You can get The Whole Counsel a day early on the Media Gratiae App: https://subsplash.com/mediagratiae/app

We've thrown open the airwaves to you. Marnie Chesterton puts your science questions to Penny Sarchet, Managing editor of New Scientist, Mark Maslin, Professor of Earth System Science at University College London and Catherine Heymans, Astronomer Royal for Scotland and Professor of Astrophysics at the University of Edinburgh. So, if you've ever wondered why planets are round… or what geese are saying to each other as they fly in groups through the sky, listen in for the latest science and some educated hypothesising. Presenter: Marnie Chesterton Producers: Dan Welsh & Debbie Kilbride Editor: Martin Smith Production Co-ordinator: Jana Bennett-Holesworth

This week we look at Trumps Tariffs; Immigration in the UK; the new Pope; the old Pope's failure on African Christians; Assisted Suicide in Scotland; 'a bit Brexity' police; Thomas the Tank Engine a sign of Fascism; Country of the week - Pakistan; Genocide in South Africa; Mehreen Farqui and Climate Change reparations to Pakistan; Scottish government mandates indoctrination of children into Climate Doctrine; Cocaine in Newcastle; Gary Lineker and Jewish rats; Columbia Unitsemity; The BBC's Gay Dating Show; Lily Philips on Trigernometry; Irish school girl asks for the Demolition man; SermonAudio censorship; and Psalm 124.  with music from Mary, Mary; Metallica; Pakistani Christian music;  Eric Clapton; The Flying Lizards. 

Send us a textWelcome back to The Coven of Awesomeness Podcast. We're kicking off this week with something delicious. Renee is making healthy-ish pancakes and Louise is trying out some small plates at a new Glasgow restaurant.Then we continue our goddess series with the Hawaiian volcano goddess, Pele. She is not a sweet and patient goddess. Like her active volcano, Kilauea, Pele is unpredictable, explosive, and expansive. Through destruction, she creates the land. Listen in to learn how to work with her energy.Then, Renee is bursting with new ideas and saying yes to opportunities that light her up, while Louise is giving herself a helping hand in creating a breakthrough to know what's truly right for her next steps. For complete show notes and links, go to awesomeon20.com/episode205Follow Renee on Instagram: https://www.instagram.com/Renee_awesomeon20/Follow Louise on Instagram: https://www.instagram.com/Louise_awesomeon20Support the showIf you're able, give this podcast your support by joining the International Coven of Awesomeness on Patreon so we can keep sharing witchy content for that's free for all.Get your free ebook How to Work with the Moon to Get Things Done.Check out the latest workshop offerings from the STC Witchcraft Academy for both online workshops and in-person circles in the Glasgow, Scotland area.Find all your favorite recipes and witch tips at Awesome on 20 Kitchen Magick.Book a tarot reading with Renee at Sagittarian Tarot & Coaching. Join the Moon Magic Membership coven to receiving ongoing support in your witchcraft journey. Join our Coven of Awesomeness Facebook group open to everyone.

What if the next big startup hub isn't in the United States — but in Scotland? Are there lessons to be learned in how to build entrepreneurial ecosystems anywhere, that can be culled from this old, small Port City in far northeastern Scotland. Rob sits down with one of the earliest leaders in “Remote Work” enablement, and arguably one of Scotland's top Entrepreneurial Thinkers, Chris Herd, founder of Firstbase. They explore how a nation known for its deep history, and prior dominance in traditional industries like Shipping and Oil and Gas, might just be on the edge of a modern entrepreneurial breakthrough. From the future of remote work to the cultural mindset shifts needed for innovation, Chris shares bold insights on what it will take to turn Scotland into a global hotspot for startups and the lessons others can take from their story. Whether you're a founder, dreamer, ecosystem builder or just curious about what fuels great innovation — this one's for you.Feel free to follow and engage with CHRIS here:LinkedIn: https://www.linkedin.com/in/chrisherdInstagram: https://www.instagram.com/chrisherdWebsite: https://www.firstbase.com/Website: https://www.appdirect.comWe're so grateful to you, our growing audience of entrepreneurs, investors and community leaders interested in the human stories of the Entrepreneurial Thinkers behind entrepreneurial economies worldwide.As always we hope you enjoy each episode and Like, Follow, Subscribe or share with your friends. You can find our shows here, and our new Video Podcast, at “Entrepreneurial Thinkers” channel on YouTube. Plug in, relax and enjoy inspiring, educational and empowering conversations between Rob and our guests.¡Cheers y gracias!,Entrepreneurial Thinkers Team.

Golf Therapy columnist Bradley S. Klein is at work on a new golf course — and he recently traveled to Scotland to visit seven courses for research. We talk about what he's looking for, how to plan a golf trip, and more.

The First Minister answers questions from Party Leaders and other MSPs in this weekly question time.   Topics covered this week include: Collette Stevenson To ask the First Minister, regarding any implications for its work to tackle poverty, what assessment the Scottish Government has made of the Department for Work and Pension's forecasts reportedly indicating that the UK Government's planned reductions to disability benefits will impact 700,000 families that are already in poverty. Sandesh Gulhane  To ask the First Minister what steps the Scottish Government is taking to address the performance of NHS 24, in light of reports that nearly one in five calls to the service went unanswered last year. Michelle Thomson  To ask the First Minister what assessment the Scottish Government has made of the recently announced UK-USA trade deal and its potential implications for businesses in Scotland. A full transcript of this week's First Minister's Questions is available here: https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/recent-publication?meeting=16416&iob=140223  

I love just taking the time to chat with actors. Jordan Gagan drops in to the WKXL NH Unscripted studios to do just that: chat. We talked about getting his degrees, which you would think would be a mundane topic, but, nope. He got to travel to Scotland to finish his MFA and has some wonderful stories about doing some indie film shorts. I'm not sure how we haven't bumped into each other before this because he's acted trod the boards all around our state. Methods, futures, film and stage. We hit them all. Enjoy!

Joshua and Jess head up to the Speyside region of Scotland to visit a distillery few have had a chance to set foot in: Tormore. Much like the Wonka factory, few people have been seen entering and few people have been seen exiting. Well, now under the ownership of Elixir Distillers all that has changed a bit.  Listen in as the inimitable Polly Logan takes Joshua and Jess through the wondrous distillery that is Tormore. To get through the various parts of the distillery you go up and down stairs, through this room and that. It's a maze and it's amazing. Shortly there after Ollie takes over and the Gang of Four start tasting through the warehouse; delicious cask by delicious cask by delicious cask. ...as usual, have a seat, have a pour, and listen in. Unless you're driving. If you're driving, be smart and stay sober but be sure to listen into the conversation! Special thanks to: - Weigh Down for allowing us to use their song "Wooden Monsters" as our theme song - Moana McAuliffe for designing our Podcast Logo - RØDE for making *really* great microphones - Focusrite for making awesome USB receivers - Olympus and Tascam for making fine mobile recording devices - Joshua Hatton for producing and editing

Ep.245 Natia Lemay (b. 1985 in Toronto, Ontario) was raised in Winnipeg, Manitoba, Canada, and is based in Toronto, Ontario, Canada. Her Interdisciplinary autoethnographic practice reflects her lived experience. Through personal stories, she interrogates the intersections between the mind, the body, and space to understand how these experiences relate to a broader cultural context. Natia Lemay has exhibited widely throughout North America. The artist was selected for the 2024 Fountainhead residency in Miami and the 2022 Royal Drawing School Residency in Dumfries, Scotland. She was awarded the National Trust Prize at Expo Chicago 2024, with her work acquired by High Museum in Atlanta in addition to being collected by the Art Gallery of Ontario, The Minneapolis Institute of Art, The Minnesota Museum of American Art, The North Dakota Museum of Art and The Montclair Museum of Art. She received her BFA from Ontario College of Art and Design in 2021 with a minor in Social Sciences and her MFA from Yale School of Art in 2023. Photo Credit is Gesi Schilling: Fountainhead Artist Residency Artist https://www.natialemay.com/ Whitehot Magazine https://whitehotmagazine.com/articles/her-first-nyc-solo-show/5792 Fountainhead Arts https://www.fountainheadarts.org/fhtv/artists/natia-lemay Juxatpoz https://www.juxtapoz.com/news/magazine/features/natia-lemay-the-act-of-being-seen/ Perrotin https://www.perrotin.com/artists/natia_lemay/1335#biography Galerie Nicolas Robert https://www.gallerynicolasrobert.com/natia-lemay Hyperallergic https://hyperallergic.com/851029/miami-fountainhead-residency-2024-selected-artists/ Ocula https://ocula.com/art-galleries/wilding-cran-gallery/artworks/natia-lemay/these-strange-girls-will-radiate-in-our-darkness/ Culture Type https://www.culturetype.com/tag/natia-lemay/ New American Paintings https://www.newamericanpaintings.com/artists/natia-lemay

Dr. Hannah Čulík-Baird, a professor of Classics at UCLA, joins Lexie to discuss the intersections of her personal identity (growing up in Scotland) with her academic pursuits, the importance of addressing historical inequities within the field, the relevance of ancient texts like those of Cicero, and the modern challenges of teaching classics in a diverse and evolving academic landscape. So tuck in your togas and hop aboard Trireme Transit for this week's exciting odyssey! Don't forget to follow us on Twitter, Facebook & Instagram or visit our website www.theozymandiasproject.com! Learn more about Dr. Čulík-Baird: https://classics.ucla.edu/person/hannah-culik-baird/Check out her blog O Pietas Animi: https://opietasanimi.com/author/opietasanimi/Follow her on Bluesky: https://bsky.app/profile/opietasanimi.com Check out the Res Difficiles Journal: https://resdifficiles.com/ Support us on Patreon: https://www.patreon.com/TheOzymandiasProject Custom music by Brent Arehart of Arehart Sounds and edited by Dan Maday.  Get exclusive bonus content (ad free episodes, early releases, and experimental content) on Patreon! Hosted on Acast. See acast.com/privacy for more information.

When we think about Mary, Queen of Scots, I think it's fair to say that we tend to think of a woman whose reign in Scotland was nothing but a disaster. A queen who couldn't find a decent husband, had no real authority and ended her life on an executioners scaffold in England. Well, while aspects of this assessment may in part be true, there has to be more to the story. To discuss this fascinating woman with me, I am pleased to welcome historian Dr Anna Turnham onto the podcast. We discuss Mary's earliest days to her time in France, her return to Scotland, the disasters with Darnley and Bothwell and of course her abdication, but we also discuss the positives, what did Mary do well? Where did she actually succeed in her queenship? Well to find out, carry on listening…

Guten tag. It's time for some Germany Trivia. We had Scotland trivia earlier this season and I'm going to have a few more countries before we close out Season Seven.Connect with the show: DorkyGeekyNerdy.com Patreon BlueSky Facebook Spotify Discord Reddit

00:42 Jess and Sarah Weekly Recap04:04 Fandom News04:30 Droughtlander Hotline21:16 Rebekah and Sheryl of ObsassenachsHey Droughties! Are you making it through Droughtlander ok? We've got you—join us for another episode of Droughtlander Diaries podcast to get your Outlander fix. In this episode, Jess, Sheryl and Rebekah share the story of how the Obsassenachs group formed during the pandemic to connect Outlander fans. They reflect on the friendships, weekly chats, themed cocktails, and even a traveling corn mascot that brought joy and support during challenging times. From discovering the series to traveling to Scotland together, they celebrate five years of laughter, shared adventures, and the powerful sense of community that Outlander inspired. Follow Obsassenachs on IGFollow Corny's adventures on IGFollow Sheryl on IGFollow Rebekah on IG

In this video, we're going to be playing 4 HOURS of dreamy ASMR bedtime stories and fairy tales using 40Hz binaural beats music therapy. This will help you to relax and get to sleep quickly!If you're struggling to get to sleep, then this ASMR video is for you! We'll be playing 4 hours of soothing bedtime stories using special binaural beats music therapy. This will help to relax you and get you to sleep quickly! After watching this video, you'll have a peaceful and relaxing evening sleep!This is a collection of remastered, rerecorded classic SWS stories, many of which you may never have heard before! Combined with beautiful, soporific binaural beats and immersive ambience, I'm sure this collection will serve you well for months to come!Let me know how you enjoy it! :)Sam xMake yourself comfortable and relax with this soothing tale.Support me in creating these stories on Patreon: https://www.patreon.com/snoozewithsamDonate a one-time pledge here!https://ko-fi.com/snoozewithsamIf you enjoy these sleep stories, it would mean to world to me if you showed your appreciation and support through my Patreon OR Ko-fi. This way I can continue to do what I do!Thank you.Sam00:00 - Introduction02:45 - Just You and the Waves17:42 - Isla the Highland Cow30:07 - Romantic Woodland Waterfall41:33 - Loch Lomond and the Rowing Boat52:09 - Sleepy Snow Mountain01:03:59 - Magical Northern Lights01:15:02 - Haunting of the Kelpie01:28:50 - The Rain Cloud01:41:25 - Footsteps Through a Boggy Glen01:56:19 - Nessie02:13:05 - Sunset Rain on the Roof02:23:14 - At One with Nature | River Tummel02:36:25 - Vikings03:15:50 - Faeries (part 1)03:26:58 - Faeries (part 2)03:39:50 - a wee secretSupport me here: (become a valued member & perks) https://www.patreon.com/snoozewithsam(ONE-TIME DONATION option!)https://ko-fi.com/snoozewithsam ​Listen on YouTube:https://www.youtube.com/channel/UC5LJ...Listen on Amazon Music:https://music.amazon.co.uk/podcasts/4...Music and visuals are a combination of original productions and/or may include licensed and adapted, remixed, or transformed material from:https://freemusicarchive.org/homehttp://www.epidemicsound.com/https://www.videvo.net/https://www.canva.com/Spatium by Keys of Moon | https://soundcloud.com/keysofmoonMusic promoted by https://www.free-stock-music.comAttribution 4.0 International (CC BY 4.0)Music : "The End of the World" by Tristan Lohengrinwww.tristanlohengrin.comLicensed under Creative Commons: By Attribution 3.0https://creativecommons.org/licenses/...These original works are the property of Snooze with Sam, © Copyright 2020-2022. All rights reserved."Snooze with Sam" whispers sleepy stories of Scotland's natural world, all with the help of a soft, soothing Island voice. Lay yourself down, get comfortable and lose yourself in the sea of gentle tones gifted by one of the world's most beautiful countries."Snooze with Sam" is brought to you by Sam Lawson, an entrepreneur, health and fitness professional and lifelong musician from the Isle of Skye. He runs a Coaching business in Glasgow, Scotland, and finds great satisfaction in helping others find peace within themselves, coaching them on towards personal transformation.These original works are the property of Snooze with Sam, © Copyright 2020-2022. All rights reserved.

Edinburgh's Unruly Women: Gender, Discipline, and Power, 1560-1660 (Routledge, 2024) examines experiences of church discipline across parish communities through Edinburgh and its environs. The book argues that experiences of discipline were not universal, varying according to any number of factors such as age, gender, marital status, and social rank. Adopting a case study approach, the book illuminates the voices of ordinary women as they appeared before their local kirk session (church court) where they navigated the church court system to settle neighbourly disputes, negotiate marriage contracts, or free their husbands from allegations of adultery. Edinburgh's Unruly Women argues that in the context of a deeply patriarchal society, experiences of discipline could not have been universal, but that in creating this strict culture of self-monitoring, the Church created opportunities for women to express power over one another, and indeed, over their male contemporaries. By placing female parishioners at the heart of the book, filled with individual case studies, Edinburgh's Unruly Women appeals to students and scholars of early modern women, religion, and gender more broadly, and to those with more specialist interest in both ecclesiastical discipline and the history of early modern Scotland in the localities. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/gender-studies

Charlie joins Caitlin to cover 2018's Calibre - a movie without a monstrous feminine theme, but one worth talking about nonetheless. We talk about themes of friendship, guilt, paranoia, and justice, and we praise the movie for its cinematography and acting. Tangents include: iPhone face, accents, Scotland, colonoscopies, smoking, firearms, hunting, movies that make us cry, themes that make us cry, fake crying, cereals, and pastries. Weigh in on the great muffin debate, and also let me know what you'd like to see out of upcoming episode 200! 

The army of the Western Design invades Jamaica, and marches unopposed into the capital. But despite English claims of victory, the Jamaican population is not about to let itself be conquered. This episode could not have been written without the following works: Alice Hunt, Republic, 2024. Martyn Bennet, Oliver Cromwell, 2006. Michael Braddick (ed.), The Oxford Handbook of the English Revolution, 2015. Barry Coward, The Cromwellian Protectorate, 2002. Jonathan Healey, The Blazing World, 2023. Paul Lay, Providence Lost: The Rise and Fall of the English Republic, 2020. Anna Keay, The Restless Republic, 2022. John Morrill, The Letters, Writings, and Speeches of Oliver Cromwell, Volume 3: 16 December 1653 to 2 September 1658, 2023 John Kenyon and Jane Ohlmeyer, The Civil Wars: A Military History of England, Scotland, and Ireland, 1638-1660. Alan MacInnes, The British Revolution, 1629-1660, 2004. Ian Gentles, The New Model Army: Agent of Revolution, 2022. Carla Gardina Pestana, 'Atlantic Mobilities and the Defiance of the Early Quakers', Journal of Early Modern History, 2023. Carla Gardina Pestana, The English Atlantic in the Age of Revolution, 2007. Carla Gardina Pestana, The English Conquest of Jamaica: Oliver Cromwell's Bid for Empire, 2017. Hilary Beckles, A History of Barbados: From Amerindian Settlement to Caribbean Single Market, 2006 Learn more about your ad choices. Visit megaphone.fm/adchoices