Podcasts about CDS

Linktree: ⁠https://linktr.ee/Analytic⁠Become A Patron Of The Notorious Mass Effect Podcast For Additional Bonus Audio And Visual Content For All Things Nme! Join Our Patreon Here: ⁠https://ow.ly/oPsc50VBOuH⁠Join Analytic Dreamz on Notorious Mass Effect for a deep dive into the German music market's slowdown in Segment 2025. Explore H1 2025's 1.4% revenue growth (€1.16B), down from 7.6% in 2024, with streaming dominating at 81.2% (€939.5M). Physical sales dropped 13.2%, with CDs (-20.1%) and vinyl (-2.6%) declining. Germany holds the #4 global spot, but China's rapid growth threatens its rank. Analytic Dreamz unpacks BVMI insights, AI licensing debates, and analyst warnings from Midia Research and Goldman Sachs. Stay tuned for trends shaping the music industry's future!Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

With Don out, Tom Cock and advisor Roxy Butner tackle the increasingly hot question: should you trust a human or a machine with your money? They dig into two recent studies—one showing AI beating most fund managers, and another suggesting no long-term winner at all. Listener questions range from DIY ETF portfolios and Roth IRA conversion pitfalls to a wildly complex $2.5M retirement scenario involving crypto, precious metals, and a self-directed IRA full of land. Tom and Roxy break it all down with practical advice and a few well-placed jabs at donut holes, Darth Vader, and inheritance headaches. 0:04 More machine than man? Tom opens with AI vs. human money management 1:14 Stanford AI outperforms 93% of human fund managers—sort of 2:35 Another study says: no clear winner between AI and humans 3:12 Why persistent outperformance doesn't exist—and that's OK 3:39 Roxy joins: paddleboards, decorating, and financial clarity 4:16 Listener question: DIY ETF portfolio for granddaughter (too complex) 5:54 Portfolio breakdown: too much large cap, bonds in a Roth? 7:44 Listener question: Switching from Vanguard Star Fund to ETFs 9:32 Roth IRA tips: stock-heavy, not for bonds or cash 10:25 Listener question: Deductible IRA mistake—now what? 11:54 Backdoor Roth IRA rules, income limits, and pro-rata traps 13:19 Recharacterization forms and Social Security timing advice 14:44 Listener question: ETF dividends—should I reinvest or not? 15:14 ETF tax basics: capital gains vs. dividends 16:42 Listener question: $2.5M+ retirement plan review from Woodstock, GA 17:14 Income breakdown: Air Force pension, SS, rental income, part-time job 18:43 Self-directed IRA full of land, CDs, and cash 19:59 Precious metals and crypto: too much risk, not enough balance 20:35 Bonds or not? Depends on goals, not age 21:55 Planning questions: What's the money for? 23:25 RMDs and taxes from a self-directed IRA 24:27 Fair market value complications and IRS penalties 25:46 Inheriting land in an IRA: yes, it's a pain 27:28 Wrap-up: Why human advice still matters—even if AI's getting smarter Learn more about your ad choices. Visit megaphone.fm/adchoices

Mary Helen claims that we are all celebrities in Bloomington. And yeah, she's got a point. But, c'mon, she is one of the few local celebrities who can claim that, on a regular basis, she goes into a home and leaves after another human has magically appeared. In this episode, we get to talk about one of our favorite subjects: screwing life up in your teens and twenties. We also discuss Russian literature, Led Zeppelin, the fight to legalize midwifery in Indiana, Tom Donahue of TD's CDs and LPs, and much more. We also get a rollicking Mellencamp moment, courtesy of James Robinson. Thank you to our sponsors, Gretchen and Ruth Nall and Bloomington Rentals and Realty for their support of the pod. And thanks as usual to badknees WE HAVE MERCH! Designed by Chris Mott and sponsored by badknees. Check it out! Support:  Support Bloomington Stories Contact & Follow: Instagram Facebook Bluesky Threads bloomingtonstoriespod@gmail.com  Content Warning: It is never our intention to hurt or offend people, and we plan to be mindful about not punching down. We are always open to feedback about this because we want to keep growing and evolving until we croak. However, we do like to joke around and we are middle-aged, so our sense of humor may not be for you.

How to protect your credit from medical debt and choose the right way to save for a home down payment. How does medical debt affect your credit score? What accounts can you use to save for a house down payment? Hosts Sean Pyles and Elizabeth Ayoola discuss the recent reversal of a Consumer Financial Protection Bureau rule that would have removed medical debt under $500 from credit reports and explore the consequences for consumers. Joined by senior news writer Anna Helhoski and guest Rohit Chopra, former director of the Consumer Financial Protection Bureau, they explain why the rule was proposed, what the legal ruling means for borrowers, and what consumers can do to protect themselves. They share insights on why the CFPB is vital to maintaining financial fairness and what the agency's dormancy could mean for future protections. Then, housing Nerd Kate Wood joins Sean and Elizabeth to discuss how to save for a home in today's high-cost, high-interest-rate housing market. They dig into what emergency fund you should consider having before buying a house, how to choose between high-yield savings accounts and CDs, and why the 20% down payment myth could be holding you back. The conversation also covers how much you really should save (spoiler: it's more than just your down payment), why closing costs are often misunderstood, and how first-time buyers can explore down payment assistance programs that offer real help. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/best/banking/high-yield-online-savings-accounts  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: medical debt and credit scores, saving for a down payment, CFPB medical debt rule, how to save for a house, down payment assistance programs, how medical debt affects credit, CFPB rule overturned, home buying costs, closing costs calculator, how much to save for a house, best high yield savings accounts, down payment myths, private mortgage insurance explained, how much to put down on a house, 20% down payment myth, CD ladder strategy, high yield CD rates, CD vs savings account, home equity from appreciation, real estate agent commission changes, home maintenance budgeting, how to avoid PMI, how to get rid of PMI, what is PMI, CFPB complaint database, checking credit reports, how to prequalify for a mortgage, how to calculate closing costs, state housing authority grants, and first-time homebuyer programs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

The world constantly tells us, “You just need a little more.” But what if real peace isn't found in having more, but in learning to need less?What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more.Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption.Why Wealth Confuses UsIn a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn't found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we're born with—it's something we must learn. And we're learning it together.Let's be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You'd think contentment would come naturally at that point. But surprisingly, it doesn't.Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. This isn't new—it's the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: “Remember the Lord your God, for it is He who gives you the ability to produce wealth” (Deut. 8:18). That warning is for us too.The Danger of the “There and Then” MentalityContentment is rooted in the present, not the future. And yet we often believe we'll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can't be fully alive to God and the people around us now, there's no guarantee we will be later.We don't stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, “I have learned to be content whatever the circumstances” (Phil. 4:11). His circumstances didn't determine his joy. His peace wasn't tied to his comfort. And ours doesn't have to be either.Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess.A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we're pursuing minimalism for its own sake, but because we're reminding ourselves that joy isn't found in our possessions—it's found in a life uncluttered by distraction, filled with God's presence and purpose.Escaping the Comparison TrapComparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it's undeniably true. In our digital age, we don't just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we're missing out when in fact, we're richly blessed.Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared.Generosity is one of the most effective ways to break money's grip on our hearts. Paul's charge to Timothy echoes through the centuries: “Command those who are rich… not to put their hope in wealth… but to put their hope in God… to be rich in good deeds, and to be generous and willing to share” (1 Tim. 6:17–18).When we give, we reflect the heart of our generous God—first in creation, then in Christ. And as we open our hands, we discover joy not in what we keep, but in what we release for the sake of others and the glory of God.Passing on the Legacy of ContentmentWe long for our children and grandchildren to experience true satisfaction. But contentment isn't just taught—it's caught. When our families see that our greatest joy is not in acquiring new and better things but in reflecting the generosity of Christ, they begin to understand that there's a story far bigger than material success.We want them to see us delight in giving, not just spending. To notice our peace when things don't go our way. To recognize that the content life isn't a small life—it's a deeply rich one, rooted in grace and lived with open hands.On Today's Program, Rob Answers Listener Questions:I have around $1.5 million in total assets and $500,000 in available funds. Given the current tax environment, I'm considering whether now might be a strategic time to withdraw from my pre-tax retirement accounts and pay the taxes. I'm currently living on Social Security and pension income and haven't needed to tap into my savings yet.I'd like to open an account for my great-grandchildren, who are currently 3 years old and 18 months old. I've been looking into a universal life insurance policy, but would appreciate guidance on the best way to save for their future—possibly to help with education expenses.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Satisfied: Discovering Contentment in a World of Consumption by Jeff ManionSavingForCollege.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On this episode of  Simply Money, Bob and Brian kick things off with Allworth Chief Investment Officer Andy Stout breaking down the new U.S.-EU trade deal—what it means for tariffs, global markets, and your portfolio. Then, they dive into the Fed's upcoming rate decision, and why earnings season could give the central bank the clarity it's been waiting for. Is a September rate cut back on the table? The conversation shifts to Wall Street's rising speculative fever—think call options, meme stocks, and Krispy Kreme. Bob and Brian discuss the warning signs and what disciplined investors should do right now, especially when tech and AI positions have ballooned. Finally, they wrap up with a practical guide to cash management, comparing CDs, treasuries, and money markets—plus how direct indexing and Roth conversions can offer better tax outcomes.

Incerteza dos incêndios é primeiro grande teste para a nova MAI e pode causar impacto. Carneiro oficializa Conselho Estratégico e há um ex-CDS que alinha. E o stress da falta de vagas no pré-escolarSee omnystudio.com/listener for privacy information.

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

In today's episode, I'm playing a song from the early 90s adventure game, King's Quest 6 - the instrumental version of "Girl in the Tower," which played at the end of the game if you had the CD-ROM version of the game, a feat that was pretty cool at the time.  Although the song, composed by Mark Siebert, fit in perfectly with the top 40 adult contemporary hits of the early 90s and the themes of later JRPGs like those found in the Final Fantasy games, for me, it always stood out since it had all the parts I loved in 80s ballads - a catchy, hummable melody, an electric guitar instrumental break, and a piano instrumental.  I've always loved the contrast between all those parts.  Plus, it was the only CD we had for quite awhile.  I'd be lying if I didn't admit that a fair amount of the sound that makes its way into The Thirteenth Hour soundtracks comes from songs like this.Girl in the Tower (CD version)Girl in the tower instrumentalCassima's ThemeAnd that's why I wanted to dedicate today's episode and the rendition on piano that I attempted to Roberta Vaughn, who passed away recently, suddenly and way too young.  She was instrumental in forming the Classic Gamer's Guild in Facebook, a welcoming, positive group dedicated to celebrating classic games, especially adventure games of the 80s and 90s.  Truth be told, when I was playing with the idea of trying to figure this song out, I initially wasn't sure if I should.  What if she hated the game?  I wasn't sure and thought about asking folks who knew her better.  But I figured, given the kind of person I understood her to be, even if she wasn't the biggest fan of the game or the song, she'd appreciate the inherent 90s cheese of the lyrics and the nostalgia of it all and get a kick out of it.  At least I hope so.    May there be the hint books be infinite and the copy protection miniscule wherever you are, Roberta.  Thank you for all you did.  This one is for you.Thanks for listening!∞∞∞∞∞∞∞Once Upon a Dream, the second Thirteenth Hour soundtrack, is now out in digital form and on CD!   It is out on most major streaming services such as Bandcamp, Spotify, and YouTube Music.  (If you have no preference, I recommend Bandcamp since there is a bonus track there and you will eventually be able to find tapes and special editions of the album there as well.)  The CDs are out now!-Check out the pixelart music videos that are out so far from the album:-->Logan's Sunrise Workout: www.youtube.com/watch?v=K7SM1RgsLiM-->Forward: www.youtube.com/watch?v=Z9VgILr1TDc-->Nightsky Stargazing: www.youtube.com/watch?v=2S0p3jKRTBo-->Aurora's Rainy Day Mix: https://youtu.be/zwqPmypBysk∞∞∞∞∞∞∞∞ Signup for the mailing list for a free special edition podcast, a demo copy of The Thirteenth Hour, and access to retro 80s soundtrack!Like what you see or hear? Consider supporting the show over at Thirteenth Hour Arts on Patreon or adding to my virtual tip jar over at Ko-fi. Join the Thirteenth Hour Arts Group over on Facebook, a growing community of creative people.Have this podcast conveniently delivered to you each week on Spotify,  iTunes, Stitcher, Player FM, Tunein, and Googleplay Music.Follow The Thirteenth Hour's Instagram pages: @the13thhr for your random postings on ninjas, martial arts, archery, flips, breakdancing, fantasy art and and @the13thhr.ost for more 80s music, movies, and songs from The Thirteenth Hour books and soundtrack.Listen to Long Ago Not So Far Away, the Thirteenth Hour soundtrack online at: https://joshuablum.bandcamp.com/ or Spotify.  Join the mailing list for a digital free copy.  You can also get it on CD or tape.Website: https://13thhr.wordpress.comBook trailer: http://bit.ly/1VhJhXYInterested in reading and reviewing The Thirteenth Hour for a free book?  Just email me at writejoshuablum@gmail.com for more details!

In this episode, we discuss recordings of “Just Biber” (Channel Classics) by Rachel Podger & Brecon Baroque, “French Impressions: Chamber Music by Chausson & Tailleferre” (Cedille) by Rachel Barton Pine, Orion Weiss & Pacifica Quartet, “Erkki-Sven Tüür: Aeris” (ECM) byGerman Hornsound & the Estonian National Symphony Orchestra / Olari Elts, “More Chaos” (aTak Records) by Tenors in Chaos, “Identity” (OA2) by Peter Lin & the AAPI Jazz Collective, and “Peace Unknown” (Posi-Tone) by Art Hirahara.   The Adult Music Podcast is featured in: Feedspot's 100 Best Jazz Podcasts   Episode 221 Deezer Playlist   Fair use disclaimer: Music sample clips are for commentary and educational purposes. We recommend that listeners listen to the complete recordings, all of which are available on streaming services in the links provided. We also suggest that if you enjoy the music, you consider purchasing the CDs or high-quality downloads to support the artists.   “Just Biber” (Channel Classics) Rachel Podger, Brecon Baroque https://open.spotify.com/album/2B4USAJF64XtPF7c82ZZWV https://music.apple.com/us/album/just-biber/1807000884 https://music.amazon.com/albums/B0F53VXLCY   “French Impressions: Chamber Music by Chausson & Tailleferre” (Cedille) Rachel Barton Pine, Orion Weiss, Pacifica Quartet https://open.spotify.com/album/4u1dQzSSyDYJcYhcKJUJjS https://music.apple.com/us/album/french-impressions/1811499589 https://music.amazon.com/albums/B0F5SF69MJ   “Erkki-Sven Tüür: Aeris” (ECM) German Hornsound, Estonian National Symphony Orchestra / Olari Elts https://open.spotify.com/album/07mw4utU03WmNW2MlWMmlT https://music.apple.com/us/album/erkki-sven-tüür-aeris/1808424707 https://music.amazon.com/albums/B0F4RQ8VZ2   “More Chaos” (aTak Records) Tenors in Chaos https://open.spotify.com/album/0kUv0WevtizDaXNZe3gBzj https://music.apple.com/us/album/more-chaos/1821395775 https://music.amazon.com/albums/B0FDPXC3N6   “Identity” (OA2) Peter Lin, AAPI Jazz Collective https://open.spotify.com/album/4n5xAgdzryqbSOLUpU0NCP https://music.apple.com/us/album/identity/1815889395 https://music.amazon.com/albums/B0F9KK7YDL   “Peace Unknown” (Posi-Tone)  Art Hirahara https://open.spotify.com/album/7EkiWFmVPjeFVa2zYMiokN https://music.apple.com/us/album/peace-unknown/1819551750 https://music.amazon.com/albums/B0FF3T5H53

Felicidade Vital (Chega) admite negociar para atualizar o Código do Trabalho. Miguel Cabrita (PS) recusa "alinhar em retrocessos". Paulo Núncio (CDS) diz que se trata de uma reforma pedida por todos.See omnystudio.com/listener for privacy information.

This Psalm is sung to the air ‘I Wish My Love was a Red, Red Rose,' and praises God's compassion and mercy. A song that is sweet and simple in some ways also explores the theme of forgiveness (“far as the east is from the west, so far God removes our sins”) and the finitude of our lives (“though all our days are like the grass that flourishes, then blows”), it remains grounded in the steadfast love of God that will remain far beyond our earthly existence.Continue your reflections with the accompanying journal, which includes further questions for reflection and some invitations to prayer and practice.Paid subscribers receive a free journal PDF, or you can purchase a paperback versionVisit the Celtic Psalms website for scores/books, mp3s, CDs, and videos for Bless the Lord, O My Soul Find out more about the Habits for the Spirit course: an 8-week online course exploring habits and daily spiritual practices to promote wellbeing in body, mind, and spiritFollow Kiran's monthly reflections on Bless My FeetPsalms for the Spirit is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit psalmsforthespirit.substack.com/subscribe

It's the holy crap we're only 10 episodes away from 500 special, brought to you by Holden Afart! In this one I call a few swap shop users and a few receipt havers, and we not only get to listen to a guy hang up improperly and rant about my prank call all the way home, but we also learn a brand new insult phrase! The opening song is by Jenna G. on Fiverr. The background music is Black Mages by Emergency Pizza Party. The end song is Sensei Doug by The Tree Flushers. The show art is a picture of Cheshire Catalyst, the guy who made the 321 area code happen.LEARN MORE ABOUT THE SHOW: To find out more about the music you hear on this show, visit our page of artists. For a bit of history and a studio tour, this is a good starting page. Request a prank call and find links related to shows at snowplowshow.com. If you're searching for a specific thing said in a show, shitbradsays.com is a great resource for that.SUPPORT THE PLA: For extra weekly shows, subscribe on Patreon, Spotify, or Apple. Get our t-shirts and stickers at our TeePublic store. Get coins, vinyl records, CDs, and more on our Bandcamp page. We also have thing in our Zazzle store in our Spreadshirt store. Buy important things for us at PLA's wishlist or Brad's wishlist, but most importantly, please tell your friends, family, and strangers about all about us.JOIN THE COMMUNITY: Add PLA on Prankcast for live shows, add PLA on Facebook, add Snow Plow Show on Facebook, add PLA on X, add PLA on Tik Tok, add PLA on Bluesky, add PLA on Tumblr, add PLA on YouTube, add Snow Plow Show on YouTube, PLA on Twitch, PLA on Instagram, join a Prank Call Discord, the PLA Reddit, add RBCP on Instagram, add RBCP on X, add RBCP on YouTube, and leave a voice message for the show at 814-422-5309.PLA FRIENDS AND STAFF: Nik Caesar from scary-art.com is the unofficial PLA artist.  Buy PLA designs from Nik's Spreadshirt store.  You might also like the cactus and PLA designs in Laugh Track Matt's store.  Clownsec does a lot of cool things for PLA so go honk the PLAnet.  Watch JIAD's Calls of Mass Confusion and listen to a few of the prank call shows over at World of Prank Calls. Joe DiVita and Vista Blue do lots of music for us, but so do lots of other people, so visit the SPS music page for a very incomplete list.GAME WITH PLA Join us Animal Crossing addicts by becoming our friends on Switch. If you're into GTA5, join the PLA Radio crew.

Tunes: You can hear several session sets from Pipers' Gathering Attendees and instructors as well as solo performances from Elliot Grasso Chris Gray, Jim Gray and Heather MacLeod Mike and Shannon Heaton John Charles Bauschatz and pretty clear performances from Session attendees including, Colleen Shanks, Ian Crane, Andy May, Patrick Hutchinson, Dan Houghton, Arbo R. Doughty, Rod Nevin, Benjamin Elzerman, Rachel Clemente and many more Come hang out with me at the Pipers' Gathering! https://www.pipersgathering.org/ And before then you should come to the LBPS Tune Share session: https://www.facebook.com/share/1JCtTfZz3r/ Here are some ways you can support the show: You can support the Podcast by joining the Patreon page at https://www.patreon.com/wetootwaag You can also take a minute to leave a review of the podcast if you listen on Itunes! Tell your piping and history friends about the podcast! Checkout my Merch Store on Bagpipeswag: https://www.bagpipeswag.com/wetootwaag You can also support me by Buying my Albums on Bandcamp: https://jeremykingsbury.bandcamp.com/ You can now buy physical CDs of my albums using this Kunaki link: https://kunaki.com/msales.asp?PublisherId=166528&pp=1 You can just send me an email at wetootwaag@gmail.com letting me know what you thought of the episode! Listener mail keeps me going! Finally I have some other support options here: https://www.wetootwaag.com/support Thanks! Listen on Itunes/Apple Podcasts: https://podcasts.apple.com/us/podcast/wetootwaags-bagpipe-and-history-podcast/id129776677 Listen on Spotify: https://open.spotify.com/show/5QxzqrSm0pu6v8y8pLsv5j?si=QLiG0L1pT1eu7B5_FDmgGA

Free 30 Day Trial to Go2Lister https://www.go2lister.com/mike I help teach people how to make money selling books on Amazon, leveraging the platform's vast reach and the profitability of reselling used books. How to sell books on Amazon? Selling books on Amazon can be an excellent side hustle or a full-time endeavor, particularly if you enjoy thrifting through places like Goodwill for hidden treasures. How to start selling on Amazon is accessible, and with my guidance on how to sell books, DVDs, CDs, and other media, beginners can quickly learn the ropes. Utilizing Amazon FBA streamlines operations, allowing sellers to focus more on sourcing and less on logistics. As a reselling coach, I provide tutorials and guidance on navigating challenges like ungating and optimizing listings for maximum visibility and sales. Whether you're looking for a part-time side hustle or aiming to become a full-time reseller, I will teach you the ins and outs of thrifting books and selling books online and can pave the way to creating passive income streams and achieving business growth.

In this episode of Nurturing Financial Freedom, we dive into the implications of the newly passed federal tax bill—also known asl the “big, beautiful bill.” While the name might suggest sweeping changes, the truth is more about maintaining the status quo and preventing an expiration of key provisions from the 2017 Tax Cuts and Jobs Act. We break down what that means for retirees, investors, and anyone planning their financial future.We start with the basics. Alex explains that the bill keeps existing tax brackets intact through 2025. The seven current brackets—ranging from 10% to 37%—remain unchanged and will continue to adjust with inflation. This alone helps prevent tax hikes for most Americans. Next, we look at the standard deduction. It's staying high: $15,750 for individuals and $31,500 for married couples filing jointly in 2025. For seniors aged 65 and older, there's an added bonus—an additional $6,000 per person. That means some retired couples could deduct up to $43,500, significantly lowering their taxable income. However, this senior deduction phases out at incomes over $150,000 and disappears entirely at $250,000.Another highlight is a small but impactful update to tip and overtime tax treatment. Up to $2,500 in tips and $5,000 in overtime income will now be tax-exempt, a win for part-time workers and younger family members in service jobs. We also see an increase in the SALT (state and local tax) deduction cap—from $10,000 to $40,000—which could encourage some high earners in states like New York and California to start itemizing again.Ed takes over to unpack how this affects investments. Capital gains tax rates remain unchanged, with the familiar 0%, 15%, and 20% tiers, adjusted for inflation. The 3.8% net investment income tax—sometimes dubbed the Obamacare surcharge—still applies to higher-income earners. Importantly, the step-up in basis on inherited assets is untouched, preserving one of the most efficient methods of wealth transfer.The bill also maintains the Qualified Charitable Distribution (QCD) option, allowing those over 70½ to donate up to $100,000 directly from IRAs without increasing taxable income. Required Minimum Distributions (RMDs) still begin at age 73. We round out with a reminder on smart asset location—keeping tax-inefficient investments in tax-deferred accounts and long-term strategies in taxable accounts.While the bill doesn't overhaul the tax code, it preserves favorable conditions for most Americans, especially retirees and investors. Our advice remains: understand how these provisions impact your specific situation and reach out to a financial professional for personalized planning. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert Alex Cabot, and Jon Gay and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190. Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members.

Watch this week's Look At This Photograph on YouTube⁠⁠⁠⁠⁠ In the year 2000, a very sexy Dracula will return to feast upon the blood of Generation X, wear a floor length duster, discover Mardi Gras and listen to CDs at the Virgin Megastore without buying anything. ⁠⁠⁠⁠⁠CINEPHOBE MERCH STORE⁠⁠⁠⁠⁠ - Check it out here:⁠⁠⁠⁠⁠ https://bit.ly/CTDMERCH⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Join the Count The Dings Patreon⁠⁠⁠⁠⁠ for Rewatchingtons, Ad-Free Episodes, Extended Cold Opens and more at⁠⁠⁠⁠⁠ www.patreon.com/CountTheDings⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Cinephobe is now on Youtube!⁠⁠⁠⁠⁠ Subscribe and check out CT5s and Look At This Photograph on Video. Subscribe to Cinephobe! Then Rate 5 Stars on⁠⁠⁠⁠⁠ Apple⁠⁠⁠⁠⁠ or⁠⁠⁠⁠⁠ Spotify⁠⁠⁠⁠⁠. Follow Cinephobe on Twitter, Instagram & Threads: CTD⁠⁠⁠⁠⁠ @countthedings⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠ @cinephobepod⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠ @cinephobepod⁠⁠⁠⁠⁠  Zach Harper⁠⁠⁠⁠⁠ @talkhoops⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠ @talkhoops⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠ @talkhoops⁠⁠⁠⁠⁠ Amin Elhassan⁠⁠⁠⁠⁠ @darthamin⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠ @darthamin⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠ @darthamin⁠⁠⁠⁠⁠  Anthony Mayes⁠⁠⁠⁠⁠ @cornpuzzle⁠⁠⁠⁠⁠ IG:⁠⁠⁠⁠⁠ @cornpuzzle⁠⁠⁠⁠⁠ Threads:⁠⁠⁠⁠⁠ @cornpuzzle⁠⁠⁠⁠⁠ Email: cinephobepodcast@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Listener Q&A where Andy talks about: Why you know the return you'll ultimately realize if you hold a bond to maturity, but can't know the return you'll eventually realize if you instead hold a bond fund ( 7:13 )A commonsense intuitive answer why bond prices decrease (increase) when interest rates increase (decrease) ( 9:56 )His thoughts on holding only fixed maturity instruments such as CDs, bullet ETFs, individual bonds and MYGAs for a fixed income allocation instead of traditional open-end bond funds ( 13:56 )How to distribute money from a 401(k) when you can't pick which particular investments to sell within it ( 22:44 )Will U.S. income tax rates eventually increase, and by how much ( 31:23 )How to make an investment policy statement ( 43:41 )What distribution plans and strategies typically look like for his clients ( 51:23 )Links in this episode:Morningstar article - How to Create an Investment Policy StatementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Don and Tom explore the value of changing your mind in the face of new data—financial and otherwise. Sparked by Christine Benz's recent Morningstar piece, they reflect on how their own views on DIY investing, target date funds, and even TIPS have evolved over time. Listener questions cover annuity taxes, Bitcoin inflation claims, covered call ETFs, and whether CDs beat bond funds in retirement. Grumpiness levels: elevated but entertaining. 0:04 Flexibility in finance: Why it's okay to change your mind 1:16 Christine Benz says she's rethinking the DIY retirement approach 2:48 The underrated value of real financial advice (Vanguard Alpha) 3:51 Why advice matters more in retirement than during accumulation 5:36 All-in-one funds like target date strategies get a new look 6:41 Trick: Adjust your target date fund based on risk tolerance 7:47 Target date glide path flattens at retirement (~50% stock) 8:24 TIPS funds vs. laddering: Christine's third “meh” shift 9:53 Equities = effective inflation hedge; tips may be redundant 10:29 Don's personal changes: Target date funds and 4% rule flexibility 12:07 Vanguard survey: Advisors = peace of mind + time savings 13:23 Money and emotion: #1 cause of murder and divorce 14:57 Listener Q: What to do with a low-cost deferred annuity at Fidelity 17:09 Stop obsessing over who pays taxes—spend and enjoy 19:20 Listener Q: Bitcoin vs. dollars—why price comparisons fail 20:07 Bitcoin isn't a currency. It's just volatile 20:31 Listener Q: Are JEPI/JEPQ “safe” for dividends? Nope 22:04 Covered call ETFs carry hidden risks and higher costs 23:50 Listener Q: Why use bond funds instead of CDs or money market? 25:03 Bond funds vs. CDs: risk, return, and long-term expectations 27:08 Don's rant: Stop trying to game the system—good enough is good enough Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's show, we're journeying back to early June 1929 and the production of Stan and Babe's fourth all-talking comedy, Perfect Day. To help Patrick discuss the history of this famous comedy is classic comedy aficionado Chris Seguin, linking up across the Atlantic from his home in Toronto, Canada.   In addition to discussing the production and merits of Perfect Day, Chris and Patrick discuss the signing of Harry Langdon to the Hal Roach Studio, which was happening around the time of the film's production. To become part of the new 'Fraternally Yours' online discussion group, and to access bonus Patron-only exclusive podcasts, just sign up to show your appreciation and support for the show and become a 'Plumtree Tier' Patron by clicking the link here: ⁠⁠⁠⁠⁠⁠⁠https://patreon.com/user?u=88010194⁠⁠⁠⁠⁠⁠⁠For more information on The Laurel & Hardy Podcast and Patrick's forthcoming series of books starting with Laurel & Hardy: Silents, visit the website at ⁠⁠⁠⁠⁠⁠www.laurelandhardyfilms.com⁠⁠⁠⁠⁠⁠⁠To contact Patrick, email ⁠⁠⁠⁠⁠⁠⁠theboys@laurelandhardyfilms.com⁠⁠⁠⁠⁠⁠⁠If you'd like to leave feedback about the podcast, make a point, ask a question, or generally join in the discussions about the podcast and all other things Laurel and Hardy related, why not become part of the podcast community by joining the Fraternally Yours Facebook Group here: ⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/2920310948018755⁠⁠⁠⁠⁠⁠⁠To purchase CDs of the Beau Hunks Orchestra's music contained in these podcasts, click here: ⁠⁠⁠⁠⁠⁠⁠https://amzn.to/2CgeCbK⁠⁠⁠⁠⁠⁠⁠To find the best Laurel and Hardy books and DVDs, and Blu-Rays, visit The Laurel & Hardy Podcast's Amazon storefront, click here: ⁠⁠⁠⁠⁠⁠⁠https://www.amazon.co.uk/shop/laurelandhardyblog⁠⁠⁠⁠⁠⁠⁠

“Be a homie & let us know what you think”What does it mean to build ‘a happy hOHM' —not just a physical structure, but a spiritual sanctuary within yourself? Dom Cruz and TeedotEinsof explore this profound question through their collaborative masterpiece "a happy hOHM."From the first whispered wind chimes of "Peace, Peace" to the triumphant reflection of "Spring Equinox," this album invites you into an intimate space where vulnerability becomes strength and honesty becomes healing. The project's title, deliberately spelled h-O-H-M, connects the concept of home with the universal sound "ohm"—suggesting that true home extends beyond physical space into spiritual resonance.Through minimalist production that cradles confessional lyrics, Dom Cruz opens his heart about fatherhood, personal growth, and the complex journey toward self-acceptance. "I don't know if I'm enough, I just hope they feel the love," he admits on the album's closing track, articulating the universal fear we all face. TeedotEinsof's & DOM's soulful production creates the perfect foundation—sometimes meditative, sometimes raw and gritty—capturing every emotional shade of the human experience.What sets this album apart is its emotional courage. In a world where men are often discouraged from expressing vulnerability, Dom and Teedot create a safe space for listeners to confront their own feelings. From the street narratives of "1000 G's" (featuring the late Pilla) to the spiritual awakening of "Plant Seeds," the album refuses to fragment the human experience into separate boxes, instead acknowledging how pain, joy, struggle, and transcendence coexist within us all.The Love Supreme California collective shines throughout, particularly on the standout posse cut "Tribal Chiefs," demonstrating the power of community in artistic expression. But even surrounded by collaborators, the heart of this album remains intensely personal—a testament to what happens when artists strip away pretense and speak their truth.Listen to "a happy hOHM with intention. Sit with it. Let it wash over you. This isn't background music—it's a conversation, a confession, an invitation to reflect on your own journey toward building something beautiful within yourself. Purchase Cassette & CDs here. Watch ‘a happy hOHM' documentary playlist here.Roots to Realms is a holistic based service providing medicinal, vegan treats for assistance in your spiritual wellbeing. Hand crafted with intention, and made for any and everyone looking to explore their mind.Instagram.com/rootstorealmsSupport the showEdited, Mixed and Mastered by GldnmndPodcast Website Link: The Rec Show PodcastSubscribe to Our YouTube Channel: Press Here

This week on The Obsessed Podcast… Gareth & Ghia can finally discuss the MC16 era, Mariah Carey's 16th studio album ‘ Here For It All..Available on Blush colored vinyl, Limited Edition Honey Vinyl & Amazon Exclusive White Edition Vinyl as well as standard Black vinyl, CDs cassettes available..Mariah Carey' is back with her brand new album ‘Here For It All' coming 9/26/25. .“Featuring the singles "Type Dangerous," and "Sugar Sweet," the album marks Mariah's first studio album in 7 years. The project is a rich, genre-blending body of work that pays tribute to every era of Mariah that fans know and love, while introducing new collaborators and modern influences that allow the music to seamlessly span generations.”.Which are your favourite variants?.Which version will you be getting?.Don't forget to rate, review & subscribe to The Obsessed Podcast, available on all streaming platformsFollow us on all social media platforms for constant updates all at @the_obsessed_podcast

This week John Leeming has tracks from some CDs which have recently been returned to him. Visit organistencores.co.uk to listen to the show & find out more.

John Pence is a Roanoke, Virginia-based songwriter, multi-instrumentalist, and music advocate. Born in 1993, he grew up on mix CDs, Tony Hawk soundtracks, and early MySpace uploads. After graduating with a BA in Songwriting from Berklee College of Music in 2015, he returned home and became deeply involved in the local music scene. He went on to help launch and eventually manage The Spot on Kirk, a cornerstone nonprofit arts venue in downtown Roanoke. John also served as an Artist-In-Residence at Carilion Clinic's Healing Arts Program, engaging with patients through music at Roanoke Memorial Hospital.He has performed over 500 shows, most notably as keyboardist and co-producer for the instrumental exotica dance band Cinémathèque, drummer for The Young Sinclairs in the post-pandemic, and as a solo singer/songwriter. John produces electronic music under the name Decampi and DJs as The Grand Total, often parsing through record crates and VHS tapes for sample material and hidden gems. Whether on stage, staying up late nights recording music, or hosting musicians at The Spot on Kirk, John continues to explore music in all its forms, with a deep love for texture, tone, and community.

Dog rescue services in Auckland are completely overwhelmed, with one charity receiving over 700 rehoming requests in a month. Law reform is on the cards, but has the problem already spiralled out of control? Then, bargain hunters are in for a treat in Dunedin this weekend, with thousands of vinyl records, casettes, CDs and DVDs up for grabs at the Regent Theatre's annual sale.

SEASON 3 EPISODE 147: COUNTDOWN WITH KEITH OLBERMANN A-Block (1:45) SPECIAL COMMENT: We have been burying the lede here. Trump. Is. Suing. Murdoch. Trump and Murdoch are at war. Over Jeffrey Epstein. The two worst people in the country, probably the world, at each other's throats, until further notice. Weeks, months, years. Amid rumors Murdoch's people at the Wall Street Journal are upworking ANOTHER Trump-Epstein/Epstein-Trump/Trumpstein story. And that Murdoch is preparing a Defcon scenario in which he turns Fox News against Trump. Because if Trump is stupid enough to try to put Murdoch out of business, Murdoch will have no choice but to try to put Trump out of business. Trump also seems to be doing everything else he can think of to make sure the Trumpstein story never leads the headlines again. Attacks his own people again. Left a paper trail inside the DOJ and FBI of Pam Bondi searching for thousands of Trump references inside an evidence pit the size of The New York Public Library. Changing the story of the latest plot against him for the sixth time in a week. And watching the polls - 17% approve of his handling of the Epstein issue - actually get worse since just last Thursday (89% want everything, not just the almost-meaningless Grand Jury testimony, released). Oh by the way there IS a Trump Client List inside DOJ/FBI. The only part of Trump's claim that there isn't that's true, is that it may not bear that title. There's literally 40 computers, 70 CDs of video, and 300 gigabytes of data. The Trumpstein story will swamp his presidency. For sheer volume it exceeds almost everything else Trump has ever done. It makes Watergate look like the editing out of four words in a 5,000 word document. IT'S WONDERFUL. Trumpstein, Trumpstein, Trumpstein. ALSO: Trump's unpopularity has now reached 1st Term proportions. Tulsi Gabbard is conflating two Russian stories and claiming the one nobody believed (Russia tampered with voting machines) disproves the one Robert Mueller proved (Russia hacked emails and got them to Trump's campaign). How does that work? I'll explain the psychology of morons who want to please their bosses, with the story of Tennessee Ernie Williams. And if you think Trump isn't brain dead he wrote something that must've come directly from a dream about how the Cleveland Guardians (formed 1901, not named "Indians" until 1915) are one of baseball's "six original teams" (Major League Baseball started 30 years earlier; it's HOCKEY with "the original six" and that's wrong too). B-Block (39:15) POSTSCRIPTS TO THE NEWS: I understand this busts the narrative and reduces our ability to suffer as martyrs, but there is one inarguable and unanswerable fact that disproves the almost-universally accepted premise that CBS cancelled Stephen Colbert solely to appease Trump. It's this: If they are silencing him, why have they decided to keep him on TV for THE NEXT TEN MONTHS? This is the Phil Donahue cancellation all over again. It works to CBS's corporate advantage to make it look like they are sucking up to the psycho. Sorry. This is the least of the reasons. C-Block (1:09:10) MONDAYS WITH THURBER: Haven't done any of his priceless stories lately, and with Trump's new permanent Trumpstein Crisis, it's fitting to do James Thurber's stunningly prophetic saga "The Greatest Man In The World."See omnystudio.com/listener for privacy information.

London-based artist Sybil is a true storyteller behind the decks, celebrated in equal measure for her cinematic take on techno as she is for crafting deep ambient journeys that soothe the soul. Whether for the dancefloor or for introspective listening, her selections are always guided by a distinct emotional depth, weaving intricate sonics with a healthy dose of psychedelia for good measure. Exploring the inspiration for this flawless session, Sybil describes it as: “I've dived deep into the ocean for this mix, a wave through time, flowing between psychedelia of the 70s, 90s, present-day and beyond. A modern take on 90s chillout mix CDs, a meditation on the ocean, a sun-soaked holographic daydream by the sea ~~~” Tune in now for a timeless deep trip through the past, present, and future. Follow: https://soundcloud.com/syberkid https://soundcloud.com/deep-mind-music www.instagram.com/sybil_dj www.facebook.com/sybil.dj

Today's episode is an update on the work I've been doing on writing the sequel to The Thirteenth Hour.  In reality, I have been working on the sequel's story for decades in small ways and started actually writing it a number of years ago but then took a hiatus to work on other things.  In the past 3 weeks, I've made a point to get back to it, so far writing about 8K words in little bursts, often in between other things.  Not a ton but, it's been fun to revisit this world again!There are a few DnD adventures my brother and I did added to the backstory:-The Wayfarer's Escape - episodes 125, 126, and 127-The Wayfarer's Dungeon Crawl - episodes 418 and 419My brother put together a Youtube playlist with the other DnD adventures we recorded that also have some backstory that I have wanted to reference in things I have written since the publishing of The Thirteenth Hour.  Empty Hands had some, and the sequel will have more.Thanks for listening!∞∞∞∞∞∞∞Once Upon a Dream, the second Thirteenth Hour soundtrack, is now out in digital form and on CD!   It is out on most major streaming services such as Bandcamp, Spotify, and YouTube Music.  (If you have no preference, I recommend Bandcamp since there is a bonus track there and you will eventually be able to find tapes and special editions of the album there as well.)  The CDs are out now!-Check out the pixelart music videos that are out so far from the album:-->Logan's Sunrise Workout: www.youtube.com/watch?v=K7SM1RgsLiM-->Forward: www.youtube.com/watch?v=Z9VgILr1TDc-->Nightsky Stargazing: www.youtube.com/watch?v=2S0p3jKRTBo-->Aurora's Rainy Day Mix: https://youtu.be/zwqPmypBysk∞∞∞∞∞∞∞∞ Signup for the mailing list for a free special edition podcast, a demo copy of The Thirteenth Hour, and access to retro 80s soundtrack!Like what you see or hear? Consider supporting the show over at Thirteenth Hour Arts on Patreon or adding to my virtual tip jar over at Ko-fi. Join the Thirteenth Hour Arts Group over on Facebook, a growing community of creative people.Have this podcast conveniently delivered to you each week on Spotify,  iTunes, Stitcher, Player FM, Tunein, and Googleplay Music.Follow The Thirteenth Hour's Instagram pages: @the13thhr for your random postings on ninjas, martial arts, archery, flips, breakdancing, fantasy art and and @the13thhr.ost for more 80s music, movies, and songs from The Thirteenth Hour books and soundtrack.Listen to Long Ago Not So Far Away, the Thirteenth Hour soundtrack online at: https://joshuablum.bandcamp.com/ or Spotify.  Join the mailing list for a digital free copy.  You can also get it on CD or tape.Website: https://13thhr.wordpress.comBook trailer: http://bit.ly/1VhJhXYInterested in reading and reviewing The Thirteenth Hour for a free book?  Just email me at writejoshuablum@gmail.com for more details!

No tunes, just a track of a thunder storm I recorded one night on May of 2025 on an Island in North Carolina. Here are some ways you can support the show: You can support the Podcast by joining the Patreon page at https://www.patreon.com/wetootwaag You can also take a minute to leave a review of the podcast if you listen on Itunes! Tell your piping and history friends about the podcast! Checkout my Merch Store on Bagpipeswag: https://www.bagpipeswag.com/wetootwaag You can also support me by Buying my Albums on Bandcamp: https://jeremykingsbury.bandcamp.com/ You can now buy physical CDs of my albums using this Kunaki link: https://kunaki.com/msales.asp?PublisherId=166528&pp=1 You can just send me an email at wetootwaag@gmail.com letting me know what you thought of the episode! Listener mail keeps me going! Finally I have some other support options here: https://www.wetootwaag.com/support Thanks! Listen on Itunes/Apple Podcasts: https://podcasts.apple.com/us/podcast/wetootwaags-bagpipe-and-history-podcast/id129776677 Listen on Spotify: https://open.spotify.com/show/5QxzqrSm0pu6v8y8pLsv5j?si=QLiG0L1pT1eu7B5_FDmgGA

Jurandir Filho, Felipe Mesquita, João Pimenta, Evandro de Freitas e Bruno Carvalho batem um papo sobre CGIs, aberturas e cutscenes que impactaram muito quando apareceram nos jogos de videogame. Durante a era dos 32 bits, especialmente na segunda metade dos anos 1990, uma verdadeira febre tomou conta do mundo dos videogames: as apresentações em CGI (imagens geradas por computador). Eram cenas cinematográficas, renderizadas previamente, que impressionavam pelo visual realista (para a época) e davam aos jogos uma cara de “filme interativo”. Na transição dos gráficos pixelados do 2D para um 3D ainda em construção, essas animações foram um diferencial poderoso para atrair jogadores e transmitir emoção, drama e escala épica.Para quem cresceu jogando em consoles 8 e 16 bits, ver personagens realistas se movendo com fluidez, com iluminação, câmera dinâmica e efeitos especiais era quase mágico. Era como ver o futuro acontecer diante dos olhos. As CGIs permitiam contar histórias com mais impacto. Em vez de apenas texto ou sprites limitados, você via a expressão dos personagens, os movimentos dramáticos e a ambientação completa — tudo com uma trilha sonora orquestrada ou dramática ao fundo. Muitos trailers de jogos da época usavam exclusivamente as CGIs para promover os títulos, e funcionava: dava a impressão de que o jogo era um épico cinematográfico, mesmo que o gameplay fosse bem mais simples. Com o PlayStation e o Sega Saturn usando CDs, os desenvolvedores tinham mais espaço para incluir vídeos de alta qualidade. Isso fazia os jogos parecerem mais “premium” em comparação aos cartuchos da geração anterior.As inesquecíveis apresentações de "Final Fantasy VII", "Final Fantasy VIII", "Resident Evil", a franquia "Tekken", "Chrono Cross", "Parasite Eve", "Soul Edge", "Legacy of Kain" e muito outros.- ALURA | Aprenda Python do zero, crie dashboards interativos e acelere sua carreira em dados! TUDO DE GRAÇA!!! https://alura.tv/99vidas-imersao-dados

Jurandir Filho⁠, ⁠Felipe Mesquita⁠, ⁠João Pimenta⁠, ⁠Evandro de Freitas⁠ e ⁠Bruno Carvalho⁠ batem um papo sobre CGIs, aberturas e cutscenes que impactaram muito quando apareceram nos jogos de videogame. Durante a era dos 32 bits, especialmente na segunda metade dos anos 1990, uma verdadeira febre tomou conta do mundo dos videogames: as apresentações em CGI (imagens geradas por computador). Eram cenas cinematográficas, renderizadas previamente, que impressionavam pelo visual realista (para a época) e davam aos jogos uma cara de “filme interativo”. Na transição dos gráficos pixelados do 2D para um 3D ainda em construção, essas animações foram um diferencial poderoso para atrair jogadores e transmitir emoção, drama e escala épica.Para quem cresceu jogando em consoles 8 e 16 bits, ver personagens realistas se movendo com fluidez, com iluminação, câmera dinâmica e efeitos especiais era quase mágico. Era como ver o futuro acontecer diante dos olhos. As CGIs permitiam contar histórias com mais impacto. Em vez de apenas texto ou sprites limitados, você via a expressão dos personagens, os movimentos dramáticos e a ambientação completa — tudo com uma trilha sonora orquestrada ou dramática ao fundo. Muitos trailers de jogos da época usavam exclusivamente as CGIs para promover os títulos, e funcionava: dava a impressão de que o jogo era um épico cinematográfico, mesmo que o gameplay fosse bem mais simples. Com o PlayStation e o Sega Saturn usando CDs, os desenvolvedores tinham mais espaço para incluir vídeos de alta qualidade. Isso fazia os jogos parecerem mais “premium” em comparação aos cartuchos da geração anterior.As inesquecíveis apresentações de "Final Fantasy VII", "Final Fantasy VIII", "Resident Evil", a franquia "Tekken", "Chrono Cross", "Parasite Eve", "Soul Edge", "Legacy of Kain" e muito outros- ⁠ALURA⁠ | Aprenda Python do zero, crie dashboards interativos e acelere sua carreira em dados! TUDO DE GRAÇA!!! ⁠https://alura.tv/99vidas-imersao-dados

This week Tom & Zeus discuss and breakdown Disc 2 of the Gene Simmons Vault. Gene Simmons released his Vault in November of 2017 consisting of 10 CDs & 1 Bonus CD for a total of 166 songs. This incredible one of a kind box set came in a custom designed Gene Simmons safe with a bunch of goodies, including a Gene Simmons business man action figure, a medallion and an amazing book breaking down the box set. The guys discuss Disc 2 of this amazing box set SIOL style and then rank the songs. They then ranks the previously reviewed discs of the vault as well. E Pluribus Unum! To Purchase “Gene Simmons Vault” on Amazon Click Below:   ⁠⁠"Gene Simmons Vault"⁠⁠   To Purchase Shout It Out Loudcast's KISS Book “Raise Your Glasses: A Celebration Of 50 Years of KISS Songs By Celebrities, Musicians & Fans Please Click Below:   ⁠⁠Raise Your Glasses Book⁠⁠   For all things Shout It Out Loudcast check out our amazing website by clicking below:   ⁠⁠www.ShoutItOutLoudcast.com⁠⁠   Interested in more Shout It Out Loudcast content? Care to help us out? Come join us on Patreon by clicking below:   ⁠⁠SIOL Patreon⁠⁠   Get all your Shout It Out Loudcast Merchandise by clicking below:   ⁠⁠Shout It Out Loudcast Merchandise at AMAZON⁠⁠   Shop At Our Amazon Store by clicking below: ⁠⁠Shout It Out Loudcast Amazon Store⁠⁠   Please Email us comments or suggestions by clicking below: ⁠⁠ShoutItOutLoudcast@Gmail.com⁠⁠   Please subscribe to us and give us a 5 Star (Child) review on the following places below: ⁠⁠iTunes⁠⁠ ⁠⁠Podchaser⁠⁠ ⁠⁠Stitcher⁠⁠ ⁠⁠iHeart Radio⁠⁠ ⁠⁠Spotify ⁠⁠   Please follow us and like our social media pages clicking below: ⁠⁠Twitter⁠⁠ ⁠⁠Facebook Page⁠⁠ ⁠⁠Facebook Group Page Shout It Out Loudcasters⁠⁠ ⁠⁠Instagram⁠⁠ ⁠⁠YouTube⁠⁠   Proud Member of the Pantheon Podcast click below to see the website: ⁠⁠Pantheon Podcast Network⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tunes: James Aird: The Miller's Rant, Quickstep of the 37th Regiment, The Wrights Rant William Dixon (Seattle): The Stool of Repentance William Vickers: Parth Inch, A Mile to Ride, John Peacock* Note that I say Francis Peacock in te : A Mile to Ride, Bonny Lad, Welcome to the Town Again Bruce and Stoke: Dorrington Lads Jeremy Kingsbury ? Maybe?: The Generous Fox, Come share some tunes and chat, July 31 at 6:30 PM US Central time: https://www.facebook.com/share/1DC1oAhTHt/ +X++X++X+ Quick note to say that Iain Allen made the reed I used on the previous episode in Zexuan Qiao's Border Chanter. Check out Iain Allen's Website here: https://www.bagpipereeds.co.uk/ JAMES AIRD 1782: The Millers Rant from Aird Vol I https://archive.org/details/selectionofscotc02rugg/page/n25/mode/1up?view=theater +X+ 1782: Quickstep 37th Regt from James Aird's Collection vol 1 https://archive.org/details/selectionofscotc02rugg/page/n39/mode/1up?view=theater- +X+ 1782: The Wright's Rant from James Aird's Collection vol 1 https://archive.org/details/selectionofscotc02rugg/page/n71/mode/1up +X+ 1733: The Stool of Repentance from William Dixon from Matt Seattle's Setting from William Dixon's Manuscript available here: https://www.mattseattle.scot/product-page/the-master-piper-new-edition +X+ WILLIAM VICKERS 1776: Parth Inch From William Vickers (NOTE G#) http://www.farnearchive.com/farneimages/jpgs/R0301100.jpg +X+ 1776: A Mile to Ride From William Vickers http://www.farnearchive.com/farneimages/jpgs/R0301800.jpg +X+X+ JOHN PEACOCK 1810: Welcome to the Town Again, Bonny Lad, Welcome to the Town Again, From John Peacock's “A Favourite Collection of Tunes with Variations adapted for the Northumberland Small Pipes Violin or Flute http://www.cl.cam.ac.uk/~rja14/musicfiles/manuscripts/peacock.pdf +X+ Here is a Link to the Francis Peacock Collection I was excited by: https://archive.org/details/Shand3/page/n50/mode/1up +X+X 1882: Dorrington Lads From Northumbrian Minstrelsly from Bruce and Stoke https://archive.org/details/ACollectionOfTheBalladsMelodiesAndSmall-pipeTunesOfNorthumbria/page/n92/mode/1up +X+X+X+ FIN Here are some ways you can support the show: You can support the Podcast by joining the Patreon page at https://www.patreon.com/wetootwaag You can also take a minute to leave a review of the podcast if you listen on Itunes! Tell your piping and history friends about the podcast! Checkout my Merch Store on Bagpipeswag: https://www.bagpipeswag.com/wetootwaag You can also support me by Buying my Albums on Bandcamp: https://jeremykingsbury.bandcamp.com/ You can now buy physical CDs of my albums using this Kunaki link: https://kunaki.com/msales.asp?PublisherId=166528&pp=1 You can just send me an email at wetootwaag@gmail.com letting me know what you thought of the episode! Listener mail keeps me going! Finally I have some other support options here: https://www.wetootwaag.com/support Thanks! Listen on Itunes/Apple Podcasts: https://podcasts.apple.com/us/podcast/wetootwaags-bagpipe-and-history-podcast/id129776677 Listen on Spotify: https://open.spotify.com/show/5QxzqrSm0pu6v8y8pLsv5j?si=QLiG0L1pT1eu7B5_FDmgGA

Free 30 Day Trial to Go2Lister https://www.go2lister.com/mike I help teach people how to make money selling books on Amazon, leveraging the platform's vast reach and the profitability of reselling used books. How to sell books on Amazon? Selling books on Amazon can be an excellent side hustle or a full-time endeavor, particularly if you enjoy thrifting through places like Goodwill for hidden treasures. How to start selling on Amazon is accessible, and with my guidance on how to sell books, DVDs, CDs, and other media, beginners can quickly learn the ropes. Utilizing Amazon FBA streamlines operations, allowing sellers to focus more on sourcing and less on logistics. As a reselling coach, I provide tutorials and guidance on navigating challenges like ungating and optimizing listings for maximum visibility and sales. Whether you're looking for a part-time side hustle or aiming to become a full-time reseller, I will teach you the ins and outs of thrifting books and selling books online and can pave the way to creating passive income streams and achieving business growth.

Learn more about the Irish Rebellion in Wexford in 1798 on the Irish & Celtic Music Podcast #718 . Subscribe now! Maggie's Wake, Marc Gunn, The Almost Irish Band, Avourneen, Téada, The Ciderhouse Rebellion, David Pedrick, Kennedy's Kitchen, Pipedance, Robert Zielinski, Sheridan Rúitín, River Drivers, Emerald Rose, The Bloody Irish Boys, Kilmaine Saints, Derek Warfield & The Young Wolfe Tones 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 with what's happening with 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 0:08 - Maggie's Wake "Harrison's Way" from Maggie's Wake 1:46 - WELCOME 4:28 - Marc Gunn "Rising of the Moon" from St. Patrick's Day 6:33 - The Almost Irish Band "Wind That Shakes the Barley & Cuckoo's Nest" from Song Henge, Vol. 21 8:44 - Avourneen "The Wind that Shakes the Barley" from Sparrow 11:13 - Téada "Jig / Air / March  -  Farewell to Stoneybatter / An Raibh Tú ag an gCarraig / March at Kilmore" from Coiscéim Coiligh / As the Days Brighten 15:14 - The Ciderhouse Rebellion with Molly Donnery "Jimmy Murphy" from A Little Bit Slanted 18:28 - FEEDBACK 22:49 - David Pedrick "Tintern" from On the Way 24:10 - Kennedy's Kitchen "Vinegar Hill" from The Hotting Fire 28:13 - Pipedance "The Mountain Road / Jenny Picking Cockles / The Woman of the House / Rakish Paddy" from The Pleasures of Hope 33:03 - Sheridan Rúitín "Boolavogue" from Rebels in the Night 38:05 - Robert Zielinski "Flax in Bloom/The Green Groves of Erin" from The Day Dawn 40:39 - THANKS 45:29 - River Drivers "KELLY THE BOY FROM KILLANE" from Live at SteelStacks 48:44 - Emerald Rose "Mountain Fey" from Sunwise 51:15 - The Bloody Irish Boys "Enniscorthy in a Bottle" from Drunk Rock 55:11 - Kilmaine Saints "Wearing of the Green" from The Good, The Plaid, and The Ugly 57:26 - CLOSING 1:00:18 - Derek Warfield & The Young Wolfe Tones "The Dying Rebel" from Let Ye All Be Irish Tonight 1:04:38 - 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. Finally, remember—our planet's future is in our hands. The overwhelming evidence shows that human activity is driving climate change, from record  -  breaking heat waves to rising sea levels. But the good news? We have the power to fix it. Every choice we make—reducing waste, conserving energy, supporting clean energy, and lobbying our political leaders—moves us toward a more stable climate. Start a conversation today. Let's protect the land and people that we love. 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 Last month, I led my Celtic Invasion of County Wexford. We visited the National 1798 Irish Rebellion Museum. I learned a lot. In the summer of 1798, in the town of Enniscorthy, a spark was lit that echoed across the centuries. Inspired by the ideals of liberty and self - determination that fueled the American and French Revolutions, ordinary Irish men and women rose up against British rule—hoping to shape a freer, more equal Ireland. The United Irishmen, a movement of Protestants and Catholics alike, dreamed of unity. But their rebellion was met with brutal force. The most haunting chapter came to a head on Vinegar Hill, where rebels made their last stand. Though the 1798 Rebellion was crushed, the spirit behind it lived on. It became a quiet current beneath Irish history, resurfacing again in 1916 during the Easter Rising—and carrying through to modern Ireland. Today's episode features songs and tunes inspired by the 1798 rebellion. These are songs of hope, defiance, heartbreak, and memory. This episode is not about blame. They're about telling the stories of those who dared to dream of freedom. GET AN IRISH & CELTIC MUSIC PODCAST ALBUM PIN Want to wear your love of Celtic music? Check out our album pins—these are striking lapel pins inspired by our official podcast compilation albums, featuring some of the best Celtic bands we've ever had on the show. Each pin comes with a full digital album download compilation, so you get great music and great style. Get all the details at magerecords.com And if you're a musician, I've got a full blog post with templates and tips to help you design your own album pin jacket.  WHAT IS AN ALBUM PIN? THANK YOU PATRONS OF THE PODCAST! Because of generous patrons like you, the Irish & Celtic Music Podcast releases new episodes nearly every single week. Your support doesn't just fund the show—it fuels a movement. It helps us share the magic of Celtic music with thousands of new listeners and grow a global community of Celtic music lovers. Your contributions pay for everything behind the scenes: audio engineering, stunning graphics, weekly issues of the Celtic Music Magazine, show promotion, and—most importantly—buying the music we feature from indie Celtic artists. And if you're not yet a patron? You're missing out! Patrons get: Early access to episodes Music - only editions Free MP3 downloads Exclusive stories and artist interviews A vote in the Celtic Top 20 Join us today and help keep the music alive, vibrant, and independent.

Send us a text!This week, Graham joins Leander and Griffin to talk about when we can expect the M5 MacBook Pro, iPad Pro and MacBook Air, M4 iPad Air, iPhone 17e and new Studio Display! Also: All iPhone 17 colors leaked, the health metric you should be paying attention to, a great new Mac app, plus our weekly setup and listener question.This episode supported by:The Apple Core podcast, where Graham and Charlie explore the story behind a different Apple product, and consider what it tells us about where the company may be heading next. Subscribe in Apple Podcasts (or wherever you listen) and check out applecorepod.com.This week's stories:M5 MacBook Pro could be pushed back to 2026A rumor says Apple won't get the next-generation MacBook Pro with the upcoming M5 processor out this autumn, as had been expected.Next iPad Pro could be Apple's first device with M5 chipApple's next iPad Pro refresh, rumored to launch this October, could again stand out for debuting with a new M-series chip.New report confirms all iPhone Series 17 color optionsA new report confirms all iPhone Series 17 color options, citing internal Apple documents. It's the most diverse selection in years.LG 5K monitor pairs beautifully with Studio DisplayToday's Mac Studio setup pairs an LG 5K display for Mac with a Studio Display. The user couldn't be happier.Longplay: Album Player for MacBrowse your collection like you would your wall of CDs or vinyls. Longplay filters out singles and scattered tracks to give you a visual grid of just the albums you truly own.

When Jeffrey Epstein was arrested in 2019, law enforcement seized mountains of evidence from his Manhattan townhouse and his estate in the U.S. Virgin Islands—including hard drives, CDs, labeled binders, photographs, surveillance footage, and detailed logs. These weren't just random items; many were explicitly marked with names and dates, suggesting a cataloging system designed to track interactions with specific individuals. The New York mansion alone had a safe full of disks labeled with things like “Young [Name] + [Name],” indicating potentially explosive material tied to Epstein's trafficking operation. Authorities also recovered surveillance equipment, raising the possibility that Epstein had been secretly recording his high-profile guests for leverage.And yet, years later, the public is still being told that there are “no files,” no names, and nothing more to investigate. How is that possible? What happened to the contents of those safes and hard drives? Why has none of it been released, indicted, or even seriously pursued in public view? The glaring disconnect between the overwhelming volume of material seized and the deafening silence about what it contained reeks of institutional cover-up.And the longer we're told it doesn't exist, the more obvious it becomes that the system isn't broken. It's complicit.to contact me:bobbycapucci@protonmail.comsource:FBI seized computers in raid at Jeffrey Epstein's Virgin Island home

When Jeffrey Epstein was arrested in 2019, law enforcement seized mountains of evidence from his Manhattan townhouse and his estate in the U.S. Virgin Islands—including hard drives, CDs, labeled binders, photographs, surveillance footage, and detailed logs. These weren't just random items; many were explicitly marked with names and dates, suggesting a cataloging system designed to track interactions with specific individuals. The New York mansion alone had a safe full of disks labeled with things like “Young [Name] + [Name],” indicating potentially explosive material tied to Epstein's trafficking operation. Authorities also recovered surveillance equipment, raising the possibility that Epstein had been secretly recording his high-profile guests for leverage.And yet, years later, the public is still being told that there are “no files,” no names, and nothing more to investigate. How is that possible? What happened to the contents of those safes and hard drives? Why has none of it been released, indicted, or even seriously pursued in public view? The glaring disconnect between the overwhelming volume of material seized and the deafening silence about what it contained reeks of institutional cover-up.And the longer we're told it doesn't exist, the more obvious it becomes that the system isn't broken. It's complicit.to contact me:bobbycapucci@protonmail.comsource:FBI seized computers in raid at Jeffrey Epstein's Virgin Island homeBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

What if you could eliminate waste in your marketing budget and double down on what actually works? August and Alex Severn of Capitol Data Analytics join the Iowa Manufacturing Podcast to explain how manufacturers can do exactly that. By using precise audience targeting and tracking the right metrics—like lifetime customer value—CDS helps clients transform guesswork into growth. But smart data alone isn't enough. The Severns also highlight the dangers of siloed departments, where marketing, sales, and operations don't share insights or goals. When communication breaks down, even the best strategy can fall apart. Check out this video for a vivid example of why alignment matters—and listen in to learn how to bridge the gaps and convert data into real dollars. Find this show on your favorite app: https://iowapodcast.com/eliminate-marketing-wastage

In this mailbag episode, Eric answers real questions from listeners navigating big life transitions. First up, a soon-to-be retiree wants to take the whole family to Disney World, but how do you plan a big trip like that without derailing your retirement timeline? Eric breaks down how to stress-test your retirement plan for one-time expenses and offers tips for budgeting a major vacation while keeping your future goals intact. Next, Eric tackles two more questions that hit close to home for many: how to turn a $500,000 nest egg into reliable retirement income, and what to do when you're leaving a job with benefits to go full-time self-employed. Here's some of what we discuss in this episode:

Guitarist Gordon Giltrap joins us for an interview about his EP Starfield, which you can get here: https://www.giltrap.co.uk/cds/f/CDs/6230/ Yes fans may also know Giltrap collaborated with Rick Wakeman on their 2010 album From Brush & Stone, as well as with Oliver Wakeman on 2013's Ravens & Lullabies, even performing together on what was later released as From a Stage.

Are you ready to be inspired by a journey of perseverance and reinvention? In our new episode of Late Boomers, Cathy and Merry dive into the remarkable life of Grammy and Academy Award-nominated Jan Daley. Join us as we explore Jan's early days in music, her rise to fame, and her courageous battle with stage four cervical cancer. Discover how a chance encounter with a Motown producer reignited her passion for music, leading to new albums that resonate with women everywhere. Jan's story is a testament to pursuing dreams at any age. Tune in for an unforgettable conversation!Jan Daley's Bio:Early Life and BeginningsJan Daley, born and raised in Inglewood, California, showed an early passion for music and performance. She began taking piano and singing lessons as a child and participated in various musical productions, setting the stage for a lifelong career in entertainment.Career BreakthroughDaley's big break came when she joined Bob Hope's USO tours, performing for American troops around the world. Her participation in these tours, including the famous "Bob Hope Christmas Shows" in Vietnam, brought her significant exposure and acclaim. She performed for over 100,000 GIs, earning a place in the hearts of many servicemen and women.Music CareerAdored for her singular magic of making what's classic contemporary again, Jan Daley is the most multi-talented and beautiful "Best Kept Secret" in entertainment today. The multi-talented singer-songwriter and actress is well known as one of the music industry's “best-kept secrets.” Taking the iconic sound of traditional Jazz and reinventing it for the modern audience to enjoy, her impact has been global. She hits the sweet spot between authentic, personal presentation with just the right amount of razzle-dazzle.Jan is a highly prolific artist, often juggling multiple projects at once. She's currently working on a “Best of” album which pulls a number of smash hits from her top-selling CDs. The versatile singer has already landed a Billboard No. 1 for her album “The Way of a Woman,” (penned by Jan herself, among 5 other songs), including tracks from her acclaimed “Where There's Hope” CD which was backed by the Les Brown Jr. Swinging Big Band and the Springfield Symphony. Not to mention featuring songs from her “Broadway Memories” CD that Broadway World Magazine raves, “Daley is a mastery of dynamic vocal range… she delivers these gems in a whole new & refreshing way… Be prepared to be enthralled!” Jan has a few surprises for us, similarly from her “Live” CD, with the beautiful “The Prayer” duet and to top it off, a few Christmas Songs from her Billboard's No. 4 "Home for Christmas" CD. Expect timeless tracks, beautiful duets, and an impressive vocal range in this show-stopping CD that shows us why Jan remains center stage in the traditional Jazz world. “The Best of Jan Daley CD” has something for everyone!Miss Daley made her major breakthrough in the music industry in 2017 and 2018. Working with legendary Motown producer and writer Michael B. Sutton, she put out her first EP “When Sunny Gets Blue.” It was a worldwide hit, landing her a top spot on the AOL Smooth Music Jazz Chart. She followed it up with Billboard No. 1, “The Way of a Woman” and months later “Home for Christmas,” which rode No. 4 on the Billboard Top 10 Jazz Charts for over two months — receiving rave reviews on radio stations across the world.Recent AccomplishmentsIn 2023, Jan Daley was inducted into The Women Songwriters Hall of Fame in Washington DC. Her song "Way of a Woman" became their official song for 2023, riding the Pop charts for three months alongside Taylor Swift, Lady Gaga, and Miley Cyrus. Her album, "Way of a Woman," became Billboard's No.1 album on the Traditional Jazz Chart. The dance remix of "Way of a Woman" went global, further cementing her international acclaim. Her new song, "The Girls in Love," caught fire and went No. 1 on the International Country, Roots, and Top 40 Chart, reaching an audience of over 4 million. Miss Daley set records as the No. 1 Independent Artist for 10 weeks. The country remix of "Way of a Woman" topped out at No. 24 on the Country Music chart. Both "Way of a Woman (Smooth Jazz Remix)" and "Girls in Love" continue to ride the Jazz and Country Charts, reaching an audience of over 6.3 million.Connect with Jan:Website: JanDaley.comYouTube: youtube.com/jandaleymusicInstagram: instagram.com/jandaleymusicFacebook: facebook.com/jandaleymusicX: x.com/jandaleymusicThank you for listening. Please check out @lateboomers on Instagram and our website lateboomers.us. If you enjoyed this podcast and would like to watch it or listen to more of our episodes, you will find Late Boomers on your favorite podcast platform and on our new YouTube Late Boomers Podcast Channel. We hope we have inspired you and we look forward to your becoming a member of our Late Boomers family of subscribers.

Join host Clay Edwards and co-hosts Shaun Yurtkuran and Lindsey Beckham for another unfiltered edition of Uncensored Live, streaming live every Sunday through Thursday. This episode kicks off with a lively introduction to the hosts' daily shows: Catch Shaun and Lindsey on Crossing the Aisle weekdays from noon to 1 PM on WYAB 103.9 FM in Central Mississippi, or stream it worldwide on their YouTube and Facebook channels (with plans to expand to X soon). Clay hosts The Clay Edwards Show every Monday through Friday from 7 AM to 9 AM on the same station, available on social media platforms. As the second full week of this new format rolls on, the trio dives into a mix of throwback stories, local news breakdowns, and fiery discussions on crime, politics, and cultural shifts.   Nostalgic Throwbacks and Early Internet Shenanigans: The conversation starts light-hearted with shoutouts to viewers like Junk and RaccoonMan60 on YouTube, sparking a fun chat about quirky usernames tied to old Gmail and AOL accounts. The hosts reminisce about their embarrassing early online handles—Clay's "BudLightAholic69" from AOL chat room days (which hilariously carried over into booking big bands like Papa Roach for his club), Shaun's MySpace monikers like "RedneckRockstar" and "Made of Scars" (inspired by a Stone Sour song), and Lindsey's cringe-worthy Yahoo and MySpace relics. They laugh about deleting MySpace accounts during breakups, getting mad over Top 8 friend lists, and wild road trip antics like writing "Honk if you MySpace" on a Nissan Xterra's window during a chaotic New Orleans adventure. The group reflects on '90s and early 2000s tech: ASL queries in chat rooms, dial-up AOL, illegal downloads via Napster and LimeWire (and the viruses that "gave your computer instant AIDS"), burning CDs, and the excitement of switching to Roadrunner cable modems. They share stories of sketchy online interactions, pondering how many "old men" were lurking in those chat rooms, and tie it back to modern kids' lack of understanding of rejection or dial-up frustrations.   Retro Rides and First Cars: Shifting gears, the hosts bond over '90s and 2000s vehicles: Nissan Xterras as the ultimate "2000s car," Mitsubishi Montero Sports aging well, jacked-up Porsche SUVs looking like zombie apocalypse rigs, and first cars like Shaun's 1985 Ford Bronco and a Ford Probe GT. They geek out over Geo Storms, '96 Mustangs, and custom rides, sharing awkward encounters like Clay waving down a neighbor to compliment his vehicle—only to get a cold response.   Local News Breakdown: Jackson's Park Pivot and City Improvements: Things get serious with breaking news from the Clarion Ledger: New Jackson Mayor John Horn scraps the Lumumba-era "Pulse at Farish Street" park plan (involving skate parks, pickleball courts, and more) tied to a federal bribery scandal. Instead, the site will become a functional parking lot for the Jackson Convention Complex, addressing long-standing issues like inadequate parking and crumbling lots. The hosts praise the common-sense move, criticizing the original plan's focus on "white" activities like frisbee golf and pickleball in a 90% Black city, and highlight how it could generate revenue without fixed investments. They discuss broader Jackson challenges: crime deterring development, the need for events over permanent fixtures, and how simply stopping "wrong things" (like incompetence in contracts) could heal the city. Shoutouts to Super Chats and viewer support lead to ideas for community events funded by donations.   Crime and Altercations: Adams County Incident and Self-Defense Debates: The episode tackles a viral video of an altercation in Adams County near Natchez, where a group of white men assaulted Black cyclist Reginald Butler on a bridge. Butler later returned armed, leading to a second confrontation where he shot one assailant (Cameron Talton) in self-defense, resulting in arrests on both sides (aggravated assault for Butler and others). The hosts dissect the confusing reports, questioning if it's a hate crime (potentially drawing Ben Crump), the role of Butler retrieving a gun, and self-defense laws (no duty to retreat in Mississippi, but leaving and returning complicates claims). They compare it to past cases like a local manslaughter involving a bouncer and emphasize waiting for full context, as initial videos often mislead (citing a Crystal Springs trooper incident).   Policy Proposals and Cultural Critiques: Ski Mask Ban and COVID Reflections: Jackson Police Chief Joseph Wade's proposal to ban ski masks in public (citing intimidation and evading facial recognition) sparks debate on masks generally—COVID-era "face diapers," hoodies in summer as red flags for crime, and why concealing identity screams suspicion. The hosts slam draconian COVID measures (e.g., Tate Reeves banning boats on reservoirs, restaurant restrictions), praising Florida's pivot while criticizing California's extremes (filling skate parks with sand). They reflect on unaccountable politicians, lost loved ones dying alone, and calls for laws like the "No One Left Alone Act."   National Hot Topics: Epstein Files, Trump Admin Drama, and More: The discussion heats up on Jeffrey Epstein files: Trump's shifting stance ("release credible information"), Megyn Kelly's takedown of Ben Shapiro, demands from Mike Johnson, and speculation on black swan events distracting from it. They critique conservative influencers like Charlie Kirk for dodging the topic to maintain access, praise independent voices like Tucker Carlson and Kelly, and tie in Biden's preemptive pardons (e.g., for Fauci, Hunter) as legally dubious blankets covering potential crimes like gain-of-function research linked to millions of deaths.   Shoutouts and Local Plugs: Shoutouts to viewers, Super Chats, and local businesses like Mocha Mugs in Rankin County (two locations: drive-thru at the old bank near Burgers Blues Barbecue and another at the Exxon by Kroger). The hosts encourage supporting local spots and tipping generously.   Wrap-Up and Teasers: This episode blends humor, nostalgia, and hard-hitting analysis, proving why Uncensored Live is a must-watch for unvarnished takes on Mississippi life and beyond. Tune in tomorrow for more—same time, same raw energy. Follow on YouTube, Facebook, X, and WYAB 103.9 FM. What did you think of the Adams County case or the ski mask ban? Drop your thoughts in the comments!

Grab a cold brew and join us for another edition of Coffee with the Kaye as we dive into,cold brew coffee,Mrs. Jones' Coffee,Turkish Coffee,Weasel coffee,childhood songs,Elvis,Momma Thorpe,hound dog,Motown,Josh's CDs,Whitney Houston,Club Cherry Bomb,Kenny Aarnoff,Simon Phillips,Taylor Swift,Led Zeppelin,Christene Kaye,Switchfoot,Cleveland Browns,Shedour Sanders,four quarterbacks,Deshaun Watkins,Joe Flacko,Dillan Gabriel,Mary Kaye cabot,Kenny Pickins,& Fantasy Football.

In this special solo episode of The Money Mondays, Dan Fleyshman dives deep into the investment strategy that's guided him for decades — the 40-40-20 Principle. If you've ever wondered how to protect your wealth while still leaving room for life-changing returns, this is the episode for you.Dan breaks down:

My guest this week is Sara Watkins, with a deep dive into I'm With Her's latest record, 'Wild and Clear and Blue', which has already become one of my favourite records of recent years.We talk about the album's first writing sessions in 2021, just as the world was starting to reconnect post-pandemic and how that theme of connection eventually grew to run through the whole record. We also talk about collaboration and how essential that is to I'm With Her; the joy of cover versions and getting to know someone through music; how that shared love provided the seed for the album's title track and why playing these songs with Aoife and Sarah at this point feels so special.I also ask Sara about her own journey as a songwriter, stepping out of the shadows of her bandmates in Nickel Creek and we discuss the idea that albums are like puppies (you'll just need to listen!)This was one of my absolute favourite interviews to record. I hope you enjoy it.For more info on I'm With Her, including tour dates and to buy I'm With Her vinyl, CDs and merch, visit imwithherband.comFor regular updates follow Sara on Instagram and FacebookHappy picking,MattSend a message to Bluegrass Jam Along! (Don't forget to include your name so I know who you are!) Support the show===Thanks to Bryan Sutton for his wonderful theme tune to Bluegrass Jam Along (and to Justin Moses for playing the fiddle!) Bluegrass Jam Along is proud to be sponsored by Collings Guitars and Mandolins- Sign up to get updates on new episodes - Free fiddle tune chord sheets- Here's a list of all the Bluegrass Jam Along interviews- Follow Bluegrass Jam Along for regular updates: Instagram Facebook - Review us on Apple Podcasts

Looking for daily inspiration?  Get a quote from the top leaders in the industry in your inbox every morning.   Tired of outdated systems holding your attraction back? Gatemaster believes technology is part of the experience, transforming every touchpoint into an opportunity. Imagine seamless online booking, effortless mobile ordering, and data-driven insights at your fingertips. Ready to revolutionize your guest journey and maximize revenue? Power your attraction with Gatemaster. Discover the future at Gatemaster.com.   Michall Floyd is the Vice President and Chief Guest Experience Officer at the Tennessee Aquarium. With a career that began in retail management and a decade spent as a touring musician, Michael brings a diverse background to his leadership role at one of the most celebrated aquariums in the country. His journey at the Tennessee Aquarium began as an admissions assistant manager and progressed to the executive team, overseeing guest experience across a sprawling, multi-building campus in Chattanooga. In this interview, Michael talks about starting with respect, connecting employees to the mission, and lessons from being a touring musician. Starting with Respect “You're never going to get in trouble for trying to do your job. If you are doing what in your mind is best for the guest… we can go back later, we can talk through that, we can make adjustments.” Respect is a foundational value for Michael, both in his personal leadership style and within the Tennessee Aquarium's culture. He shared how early experiences in management—starting at just 18—taught him the challenges of leading peers and the importance of transitioning from being a peer to being a leader. Over time, he distinguished between managing tasks and truly leading people. As a leader now, he empowers his team by ensuring they don't fear making decisions in the moment for the benefit of the guest. Mistakes are viewed as opportunities for learning, not punishment. Michael's approach promotes psychological safety and trust. By removing fear from the equation, he allows team members to take initiative, try new approaches, and build confidence. This empowerment leads to stronger team performance and, ultimately, better guest experiences. Connecting Employees to the Mission “If we expect our employees to connect people to water and wildlife, first we need to connect our employees to water and wildlife.” At the Tennessee Aquarium, conservation and education are central to the mission. Michael emphasized the importance of immersing employees in the organization's purpose—not just through training but by giving them firsthand experiences. Team members visit the Conservation Institute, participate in programs like sturgeon releases, and develop a personal connection to the stories they're telling guests. This connection transforms the guest interaction. Rather than reciting facts from a script, employees share genuine excitement and passion. Michael explained that this authenticity helps the Aquarium consistently rank in the top 1% for hospitality among global cultural organizations. By investing in the employee experience, they amplify the guest experience in return. Lessons from Being a Touring Musician “There's always something positive that you can go through and focus on and kind of talk through… and really being there and showing that type of respect—people, you start to get that back.” Before his time at the aquarium, Michael spent years on the road as a guitarist in a band. He credits that experience with shaping his values around community, branding, and respect. Touring taught him to build relationships with promoters, support other bands, and find creative ways to engage with audiences—like offering CDs to fans who beat the band in a game of Mortal Kombat. These grassroots, DIY (or as Michael prefers, DIT—do it together) experiences taught him how to build loyalty, communicate a brand, and foster belonging. These same principles now guide his work in the attraction space. Just like a band earns its fan base one person at a time, Michael believes in creating meaningful guest experiences by investing in the little things—hospitality, enthusiasm, and consistency.   To learn more about the Tennessee Aquarium, visit TNAqua.org or follow them on social media. To contact Michael directly, you can email him at mtf2@tnaqua.org. This podcast wouldn't be possible without the incredible work of our faaaaaantastic team:   Scheduling and correspondence by Kristen Karaliunas Audio and Video editing by Abby Giganan   To connect with AttractionPros: AttractionPros.com AttractionPros@gmail.com AttractionPros on Facebook AttractionPros on LinkedIn AttractionPros on Instagram AttractionPros on Twitter (X)

Tap-in to the “That's Rather Cavalier” podcast with Tate & the CDS podcasters representing the Detroit & Chicago teams. On tonight's show we'll discuss some interesting topics. Summer League updates regarding each of our teams & are the Lakers taking a page out of LeBron's passive aggressive playbook? Plus, rep your city, choose the all time starting 5 of players from your city or state. All this and all of the other NBA news. Listen anywhere you get your audio podcasts, Apple, Spotify, Google, Amazon and all of the other options. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, media consumers! Bryan is joined by Sean Fennessey to discuss the future of owning physical media! (3:30) Magazines(17:55) Blu-Rays and DVDs(25:32) Books(34:47) Newspapers(50:11) CDs and vinyl Host: Bryan CurtisGuest: Sean FennesseyProducer: Kyle Crichton Learn more about your ad choices. Visit podcastchoices.com/adchoices

Many "Gen Xers" will have little inheritance, so they should prioritize their own retirement savings, debt reduction, and financial planning.Today's Stocks & Topics: NUKZ - Range Nuclear Renaissance Index ETF, INQQ - INQQ The India Internet ETF (ETF), VTTSX - Vanguard Target Retirement 2060 Fund Investor (FUND), FNDF - Schwab Fundamental International Equity ETF (ETF), a listener question about CDs and T-Bills, a question from our YouTube channel viewers: BJ - BJ's Wholesale Club Holdings Inc. (NYS); plus Justin's market wrap, and Justin's talking points: 'Ponzi Finance' -- "When uncertainty rises, being able to finance yourself with your own cash flow becomes very important."; and the 50% Copper Tariffs.Our Sponsors:* Check out Avocado Green Mattress: https://avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands