Podcasts about CDS

It started like any normal night in a quiet London flat — until things began to vanish. First, small items: CDs, jewelry, trinkets. Then, the cold certainty that something unseen was moving between rooms. When one flatmate screamed in terror, the truth revealed itself — a Victorian woman in full 19th-century dress, standing silently behind her.   The spirit of the lady looked directly at her — holding open a book with a secret letter inside, pleading for someone to find it. When morning came, a hollow wall revealed what might have been the ghost's lost fireplace… and her final message. Meanwhile, across the ocean in rural Kentucky, two brothers fishing at night discovered something monstrous lurking in the trees — a massive, brown-furred creature that stalked their home and knocked in rhythmic threes. It wasn't a bear. It wasn't human. And when they threw a Bible at it, the thing fled on two legs. From the haunted parlors of London to the dark woods of Appalachia, these are real encounters that defy explanation — ghosts, cryptids, and the shadows between. #ghoststory #haunting #realghoststories #bigfoot #cryptid #paranormal #hauntedhouse #victorianghost #apparition #scarytales #supernatural #realghoststoriesonline Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!!https://www.youtube.com/channel/UC4BqTVQA1pCwe9QaEPwD3MQ/joinFree 30 Day Trial to Go2Listerhttps://www.go2lister.com/mikeI 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.

Der Dirigent Howard Griffiths ist schon ewig im Geschäft, aber gefühlt so umtriebig wie nie zuvor: er dirigiert Orchester in halb Europa, produziert gleich reihenweise neue CDs, und schreibt in jüngerer Zeit auch Musikbücher für Kinder wie etwa «Barboza und der klingende Baum». 1:15 - Auftakt Musik gegen den Novemberblues: «Tango for November» von und mit Fumio Yasuda. 5:00 - Aktuell Regelmässig werden ihre Auftritte - Paris oder London, jetzt auch in Zürich - von Protesten begleitet. Denn Anna Netrebko setzte sich einst dafür ein, dass Putin als russischer Präsident kandidieren solle oder posierte 2014 mit der grossrussischen Flagge. Inzwischen hat sie sich vom Regime distanziert, aber – nicht genug, finden Kritiker. Wir fassen zusammen. (Theresa Beyer) 10:40 - Gespräch Wir sprechen mit dem Dirigenten Howard Griffiths über seine aktuellen Projekte. (Hannes Diggelmann) 32:20 - Neuerscheinungen Maurice Ravels einziges Streichquartett mit dem Quatuor Dutilleux (Calliope) und Die beiden ersten CDs des Mahlerzyklus von Paavo Järvi und dem Tonhalle Orchester Zürich (Alpha Classics) (Jaronas Scheurer) 53:25 - Swiss Corner Gitarrenlegende Al Di Meola kommt mit seinem Acoustic Trio nach Zürich.

Tunes: Jeremy Kingsbury: Drømde mik en drøm i nat, Niizh Aandegog, Twa Corbies, Robert Bremner: Bristol Petrie: The Song of the Ghost Readings: 'History of the Danes' of Saxo Grammaticus "The Burial of the Foster Brothers" (In Medieval Ghost Stories by Andrew Joynes) A book about Bristol, historical, ecclesiastical, and biographical, from original research by John Taylor: "A Ghost Story" A Narrative of the Captivity of John Tanner: "The Place of the two Dead Men" XX* You can Find the Poster for The Minnesota LBPS Gathering Here: https://www.facebook.com/photo/?fbid=1227215585913336&set=gm.25902092846047993&idorvanity=134798469870784 +X+X+ Drømde mik en drøm i nat: I just used music off Wikipedia article: https://en.wikipedia.org/wiki/Dr%C3%B8mdemikendr%C3%B8mi_nat +X+X+ The Niizh Aandegog version of the Twa Corbies goes into "Saw Ye Not My Maggy" which I got from the playing of Pete Stewart. +X+X+ The Song of the Ghost: Comes from The Petrie Collection of Irish Music Part II: https://imslp.org/wiki/TheCompleteCollectionofIrishMusic(Petrie%2C_George) +X+X+X+ 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

Let's face it, we're not getting any younger ... So how should we be saving and what makes a good plan? CDs, 401K vs. Roth, and college funds for our kids? We asked Sarah Sealey, a Navy Federal Credit Union, Manager and Certified Financial Planner, who shared what veterans should consider for a healthy financial future. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

____________Podcast Redefining Society and Technology Podcast With Marco Ciappellihttps://redefiningsocietyandtechnologypodcast.com  ____________Host Marco CiappelliCo-Founder & CMO @ITSPmagazine | Master Degree in Political Science - Sociology of Communication l Branding & Marketing Advisor | Journalist | Writer | Podcast Host | #Technology #Cybersecurity #Society

In a series of podcasts taped live at 2025's Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with John Blizzard, Founder of CD Valet, to learn more about an online destination that offers customers close to 40,000 choices, likely making it the largest such marketplace in the world. Blizzard, who's also President and CEO of Seattle Bank, makes a compelling case for why CDs will only grow in popularity as factors from a potential AI bubble to unreleased economic data loom over Wall Street.

At long last, Jennifer and Brandon convinced me to organize a new Edgar Allan Poecast, our third (not second). If you don't know the deal, we take submissions from whoever (mostly noise musicians and those adjacent) to do readings of Edgar Allan Poe stories however they like, with whatever music or noise they can come up with, in whatever language they like.There's not much else to say except a huge thank you to my cohosts for encouraging this and to everyone that submitted or even considered submitting. We'll do this again, so you have an entire year to consider your submission.The line up goes like this:Sara Century - Annabel Lee Jennifer C. Martin w/ VODE (Arvo Zylo & Leslie Keffer) - The Conqueror WormThe Gray Romantics - Buried AliveLaura Squirrel - AloneJust Josh - The Haunted Palace & Doomed CityT. Volpone - The SleeperDame Smile Highlin' with HB(MB) - The RavenIleana - Berenice (in Spanish)It's a great bunch of readings. We hope you enjoy. And if you want more, check out our feed for the previous two volumes or reach out to Brandon, Jennifer, or me on social media to acquire a copy of the tenth anniversary cassette of the Edgar Allan Poecast Vol. 1. You can also order a copy from my bandcamp, https://grayromantics.bandcamp.com/album/edgar-allan-poecastKeep an eye out for cassettes or CDs of Vol. 2 and this year's episode.See y'all next year. Or next month. Whenever we have another episode.

Short-term bonds can offer income, flexibility, and stability in a diversified portfolio. This episode of Market Sense explores how short-term bonds have performed in the current economic environment, especially with more rate cuts on the table. A Fidelity bond fund manager will also discuss how inflation, tariffs, and Fed policy are shaping bond market dynamics. Want to research rates? Head here to look up CUSIP numbers, bonds yields, and CDs. Read the full transcript View the slides Watch the video replay

Apesar da aprovação do OE, a discussão foi cheia de “chuva de folhas" e birras. Já sobre as presidenciais, o CDS anda perdido e parece estar pronto para lançar um "SOS".See omnystudio.com/listener for privacy information.

"  Think of it as a wild Midwestern version of the MIT mystery hunt  for a slightly different crowd where people drink quite a bit more." For three whole days, over 10,000 trivia challengers descend on the tiny town of Stevens Point, Wisconsin, for The World's Largest Trivia Contest. The contest runs on the local college radio station at the University of Wisconsin- Stevens Point for 54 hours straight, asking eight questions per hour. Teams have only the length of two radio songs to call in their answer. Yup, that's right. You call into the radio, old school style. It's a madcap frenzy of teams frantically searching through bins of catalogued items spanning from cereal boxes to DVD covers, or racking their brains to remember an obscure cartoon reference. For 43 years Jim “Oz” Oliva was ringmaster of this trivia circus. He wrote most of the questions and organized the contest. Jim revels in finding the most obscure bits of trivia to throw at his players. In response, teams have amassed entire rooms filled with snack packaging, atlases, and the booklets from CDs, among other items. With the advent of the internet, Jim had to change how he formatted the questions to stay ahead of searchable keywords. You can hear the glee in Jim's voice when he talks about all the techniques he devised to outmaneuver trivia players. He even had to hold onto all of the garbage from the question writing room otherwise players have been known to go through the trash, attempting to gain an edge over the competition. Jim is blunt, funny, and mischievous. I really enjoyed hearing all his stories from his many years of running this crazy trivia contest and learning about the wild culture surrounding it. In our Bonus Aftershow, REA contributers Heather Burns and Theresa Piazza join us to share their perspective on the trivia contest. Heather has been involved in the trivia contest for over 20 years, and Theresa joined Heather for the first time last year. It was wild to hear all about how they prepare for three crazy days of trivia with a revolving door of team members marshalling to rifle through bins of material and sleeping in shifts. I hope you enjoy this episode about The World's Largest Trivia Contest.     Episode Sponsors We are immensely grateful to our sponsors this season: REA Patreon Backers, PG's Playhouse, Buzzshot, and COGS. We truly appreciate your support of our mission to promote and improve the immersive gaming community.   Support Us On Patreon Today Love escape rooms as much as we do? At Room Escape Artist, we've been analyzing, reviewing, and exploring the world of immersive games since 2014. We help players find the best experiences, and push the industry forward with well-researched, rational, and reasonably humorous escape room and immersive gaming content and events. By becoming a Patreon supporter, you're not just backing a blog — you're fueling a mission to make the escape room and immersive gaming community stronger, more thoughtful, and more connected. Access exclusive Patreon content such as: The Bonus Aftershow The Spoilers Club Early access to escape room Tour tickets and REA articles. Your Patreon support goes toward our mission: paying our contributors, funding our infrastructure, and supporting deep research and industry advocacy.   PG's Playhouse If you love wordplay, puzzles, and trivia, this is the podcast for you! PG's Playhouse recreates a fun game night, all in a short, 30-minute format. Of course, what's game night without making new friends? We bring on different guests for the different episodes. Each episode features a puzzle packed with wordplay and trivia, a short chat with the guest, and a segment exploring an interesting topic. I hope you'll take a listen and play along with us at PG's Playhouse.   Buzzshot Buzzshot is Escape Room Software, Powering Business Growth, Player Marketing, and improving the Customer Experience. They offer an assortment of pre and post game features including robust waiver management, branded team photos, and streamlined review management for Yelp, TripAdvisor, Google Reviews, and Morty. Buzzshot now has integration with the other REPOD sponsors: Morty and COGS. Special Offer for REPOD Listeners: REPOD listeners get an extended 21-day free trial plus 20% off your first 3 months, with no set-up fees or hidden charges. Visit buzzshot.com/repod to learn more about this exclusive offer.   COGS COGS by Clockwork Dog is an easy to use software/ hardware platform for running interactive events, including escape rooms, and other immersive experiences. They have plug & play hardware that seamlessly integrates with their software so you can create a show with lighting and sound cues without having to write a single line of code. Map all kinds of inputs to outputs by building up simple logic steps which determine what you want to happen and when. Special Offer for REPOD Listeners: REPOD listeners can get the COGS Starter Set for only $130 + free shipping to the USA. This bundle is usually valued at $257. You can learn more and purchase your Starter Set at cogs.show. Use code REPOD at checkout.   Production Credits Hosted by David Spira & Peih-Gee Law Produced by Theresa Piazza Supported by Lisa Spira Edited by Steve Ewing Music by Ryan Elder Logo by Janine Pracht  

Anne Ganguzza and Tom Dheere share decades of combined experience in this insightful episode, dedicated to the long view of a voice acting career. Having been in the industry since the cassette and CD demo era, the hosts emphasize that longevity is achieved not through linear steps, but through resilience, strategic adaptation, and continuous self-improvement. The discussion provides a candid look at why the work never stops, the necessity of community, and the critical importance of mastering the mental game. 00:00 - Anne (Host) Hey bosses, Anne Ganguzza here. Are you ready to take the next step in your voiceover career? At Anne Ganguzza Productions, I specialize in target marketed coaching and demo production that gets you booked. If you're thinking about elevating your performance or creating an awesome demo, check me out at anneganguzza.com. 00:22 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza. 00:41 - Anne (Host) Hey, hey everyone. Welcome to the VO Boss podcast and the Real Bosses series. I'm your host, Anne Ganguzza, and I'm here with the one and only illustrious Mr Tom Dheere, real Boss. 00:54 - Tom (Host) Hi everybody, hi Anne hey. 00:56 - Anne (Host) Tom, how are? 00:57 - Tom (Host) you. I'm doing pretty good, if I'm not mistaken, haven't you, didn't you just have an anniversary? 01:03 - Anne (Host) I did Just celebrated 25 years with my hubby whoa. It seems like yesterday. I swear to god, 25 years just went so fast that's amazing and uh, and you, just, you just were telling me about your blogiversary how long have you been blogging? 17 years oh my god, tom that blogging, I mean I've been blogging for a you been blogging 17 years. Oh my God, tom, blogging, I mean I've been blogging for a while, but blogging for 17 years is insane. 01:31 - Tom (Host) Thank you. 01:31 - Anne (Host) Wow, you must have really good SEO. That's all I got to say. 01:35 - Tom (Host) I would like to yeah. Yeah, my SEO is pretty good. 01:37 - Anne (Host) Yeah, we would like to think that you have good SEO, but, wow, so long term relationships. You know it makes me think about voiceover, because I have been in voiceover just about as long Not quite as long as I've been married to my husband, but you know, 21 years, and it's. It's incredible. I feel like I just started, but yet I don't, because it is and we always talk about it being a marathon, not a sprint and I think you've been in voiceover longer than me. 02:03 - Tom (Host) Yes, I decided I wanted to be a voice actor in 1994. 02:09 - Anne (Host) Wow yeah. And then I got my commercial demo. Some people were born in 1994. 02:14 - Tom (Host) Not me, I know. 02:17 - Anne (Host) Yeah, some of my students haven't been born. 02:19 - Tom (Host) Some bosses listening to this are going to be like, I was born in 1994. I know, or 2004. And then I got my commercial demo in 1995 and I booked my first voiceover in 1996. And I went full time as a voice actor in 2005 and started coaching in 2011. So I've been-. 02:39 - Anne (Host) Oh, I started coaching just shortly before you. Yeah, yeah, just a little bit longer, because then we started coaching just shortly before you. Yeah, yeah, just a little bit longer, because then because we met shortly thereafter at Voice 2012. 02:49 - Tom (Host) Oh my goodness, we already knew each other, but I don't think we met. 02:52 - Anne (Host) Yeah, but I remember we. 02:54 - Tom (Host) I definitely remember we hung out at Voice 2012, which was 13 years ago. Oh my gosh. 02:59 - Anne (Host) Woo At Disneyland. You know so and it's funny because we talk about you know how long have you been in voiceover and how long did it take you to become successful in voiceover? Well, I always say you know, my overnight success took many, many years. So I think and I think it's something that a lot of people don't understand, especially those that are intrigued by this industry you know thinking that, oh yeah, it's, I can stay at home, I can do this. You know thinking that, oh yeah, it's, I can stay at home, I can do this. You know, I can buy the mic. It'll cost me a few hundred dollars and then I can just start booking jobs and making money. 03:32 And I think really for I know we talk about all the time, but I think I want to have a whole episode dedicated to the realities of having a long view career and the fact that it is something that you have to be in for the long run if you truly want to be successful at it. I mean, of course, you could be in it for a couple of years and then, if you don't like it, you get out. But most people I know want to make a good, they want to be successful at it, they want to make a good living. So let's talk about what it's like to be in voiceover for a long time and what it looks like, because it's certainly not like a corporate job. I am a corporate girl and came from corporate and then education, and I certainly was not handed a paycheck every other week in this full-time voiceover job. That's for sure, because it's a much different, much different industry. It's our own businesses. 04:22 - Tom (Host) I have the luxury of being able to zoom out and look at 30 years of being in the voiceover business, where when I started, you know, they just segued out of reel to reels and started using plastic cassette tapes. So I'm of the cassette tape generation of voice actors that started in the mid 90s and now we are. I was CDs, you were CDs, so you were, just I was CDs. 04:51 - Anne (Host) Yeah, shortly after the cassettes came the CDs. 04:53 - Tom (Host) Just as CDs came out and then, a few years after the CDs, came the MP3. 04:57 - Anne (Host) Yeah, and it was a thing, because I remember the burning of the CDs was like, oh God, who do I get to do that for me? 05:03 - Tom (Host) I did it myself. 05:04 - Anne (Host) Yeah, well, that was before. Right CD burners came out and now you know you can have a CD. I had a duplication company that I did all my cassettes through and then started doing the CDs. 05:14 - Tom (Host) There, you go and then I was like wait a minute. 05:20 - Anne (Host) I can print my own labels. 05:21 - Tom (Host) using Avery, I can burn my own CDs, stick it in the tray and my desktop. 05:25 - Anne (Host) I was one of those people. I got that. The stamp thing where you push it down, you stamp your label on the CD and that was like, oh my gosh. 05:33 - Tom (Host) Oh, now I feel old. Now we're getting really anachronistic and alienating ourselves. 05:37 - Anne (Host) That was like. That was like that. That was the coolest. That was the peas knees. 05:40 - Tom (Host) That was kind of fun. 05:42 - Anne (Host) I love that little stamper. That was awesome, it was. 05:46 - Tom (Host) But anyway, so, yeah, so looking back and zooming out and looking at what are the realities of what you need to have a long VO career, I mean it starts with training. It absolutely starts with training. I'm a theater-trained actor. I went to college and then I did a little graduate work at a place called the National Shakespeare Conservatory that used to be here in New York City. So I got like hardcore theater training about body and mind and spirit and voice and engaging. I had great voice coaches, I had ballet coach, chekhov coach, like all this stuff. That really gave me a very, very, very solid, solid foundation. Gave me a very, very, very solid, solid foundation. So if you want so the so step one. If you want longevity in the voiceover industry, if you want a long career, you got to start with very solid training performance training, voiceover training, genre training, so you can be demo ready. 06:38 - Anne (Host) I didn't realize you you had been a theater trained. Yes, I did. How did I not know that about you, Tom? And I know I've known you for a long time it doesn't come. 06:45 - Tom (Host) I mean, it was so long ago, Wow. 06:47 - Anne (Host) Do you miss it? Do you still do it or do you miss it? 06:50 - Tom (Host) No, I haven't been on a stage in almost 25 years. When I discovered voiceover after I dropped out of the conservatory for reasons we will not get into as soon as I discovered voiceover I was like, oh, that's where I need to be and that's where, also, I can take all of that training that I did on stage and I had a little bit of on camera. I had a little bit of TV and a little bit of film experience very, very little bit like extra work on 30 Rock and things like that. 07:25 You know that's that sort of that. You know if you blink you'll miss me, that sort of thing. But that turned into that inhabited me. As I'll put it to you this way, that sort of training, theater training, it's like pro wrestling, like it's large gestures, projecting, you know, into an audience and then voiceovers is is boxing. It's very, it's very intimate and it's very, it's very, very close. 07:51 Um, so that all that great theater training, I had to obviously learn to make adjustments and turn from this very open, broad presentation, presentational type of acting to this very intimate, one-on-one, you know, doing this, this kind of acting. And I use that training, consciously or unconsciously, every every day, 30 years later, but, like I, I definitely attribute a big, I credit a large part of my longevity as a voice actor to the performance training that I got and I had a great voiceover coach uh, who's no longer, who's with us Um, she really set me on the path to understanding the difference between theater acting and film acting and voice, voice acting, and you know it gave me all kinds of exercises and stuff and you know I recorded. I still have the cassette demo to this day. Um, but that training I still have it. Uh, I whip it out once in a while on a, on a, on a at a conference or something. 08:48 I'll be like check it out once in a while at a conference or something. I'll be like check it out and people are like, oh my god, is that a what's? And then the Gen Z's are like what's a J card? What look? 08:55 - Anne (Host) it up if you don't know what it is in those 30 years, though, would you say that there's been like, okay, so I do this, and then I get to this level, and then this is what I do. Next, is it like a to this level, and then this is what I do next? 09:07 - Speaker 2 (Announcement) Is it like a? You know, one of the? 09:08 - Anne (Host) steps to attaining and achieving that voiceover career. 09:14 - Tom (Host) That's a great question. First off, there are no levels, there are no steps. It never gets any easier, it just turns into different types of hard. 09:22 - Anne (Host) Ah, that we can just go home now, because that I think that sums it up in a nutshell, because it is so not a linear climb. It is not, but it's something that I think that you know over time. That's why I think you have to be in it for a long time, right, so you can adjust, you can evolve, you can work with it and understand it and somewhat predict it. I don't know. 09:45 - Tom (Host) Not predictable. Oh, I wish I could predict it. 09:48 - Anne (Host) But maybe a little bit. You can make it more predictable in certain ways, right? Yes, you can. Yeah. 09:53 - Tom (Host) Yeah, Absolutely Understanding how the industry ebbs and flows understanding trends, keeping up with performance trends, keeping up with technology trends. That's a big part of the realities of a long VO career, but but yeah, let yeah. I definitely want to drive home the point that there is no linear like do this, do this, do this successful? That's not. That's not how it works. You got to get your training, you got to get a website, you got to get demos produced, you got to set up a home recording studio. Those are your pillars. 10:35 - Anne (Host) And even the intricacies of that. Changes. I think you have to have, I think what's pillars, and even the intricacies of that. Changes have a down or a lull in your business and you question everything you've ever like. You know what got you into it in the first place. You're like, oh my gosh, I don't belong here, should I? I mean, there's so many things that happen during a lull in your business because it makes you question am I good enough? Am I valid, am I to be a success in this industry? Should I just quit? Should I give it up? Should I not have quit my job? And so there's so many things that get in the way of evolving and growing in your career. 11:17 And again, this is not a linear growth. It's ups, it's downs, and sometimes you can be like, oh, I just booked that gig, and then things are amazing for a while. But then you're like, okay. Sometimes you can be like, oh, I just booked that gig, and then things are amazing for a while, but then you're like, ok, so I should be able to book the other gig, I should be able to book a gig a week now. And then you say, ok, my goal is to book 10 jobs every week. Did you ever try that? Because I tried that a long time ago. Oh, I'm going to book. 11:44 - Tom (Host) My goal is to book 10 jobs a week. I had a very specific thing to that end, which is, I thought for a very long time I needed three very specific sources of voiceover income to be successful and consistent and sustainable on an income level. One was with a regular client that I was making well over $10,000 a year with for a number of years. One was Voice123 as a source of online casting, a source of auditions and bookings, and then I was just that elusive third source and I was saying that for years and years and years and my career has evolved and gone up and down and all around that I don't think that way anymore, because what's interesting is that client that was paying me well over $10,000 for many, many years, who I still work with to this day. I've worked with them since 1997. I now book one or two clients, one or two gigs a year with them, because their business model changed and the industry of their genre changed, so therefore my relationship with them changed. 12:51 I'm still on Voice123 making great money, and there's so many factors too. 12:57 - Anne (Host) So many factors to that and I love that because it's not just about you and your skill set and your skill level. The industry changes because our clients change. Their industries change right, their jobs change. Our relationships change with the people that some people come and go from jobs, and especially when you're talking about the repeat client or clients that you've had for years, which are great, they're wonderful, they're one of the more predictable things in this industry that you can count on, but then again, you know, don't count on them all together because tomorrow they could be gone. 13:33 - Tom (Host) Right, and as you were talking, I just had a revelation. 13:37 - Anne (Host) Ah Okay. Will you disclose the revelation, Tom? Oh, no, I'm going to share. 13:42 - Tom (Host) No, I'm going to leave and run away and write a book. 13:44 - Anne (Host) No, let's go. I must go now. No revolution share. 13:47 - Tom (Host) No, I'm going to leave and run away and write a book. No, let's go, I must go now. No revolution, no, no, no, no, no. So this is one thing I've realized In the past 25 years or so of me being a voice actor roughly 50% of my voiceover income has come through e-learning, explainer, corporate, industrial, medical. That's been roughly 50% of my income this whole time, almost since the beginning. 14:10 - Anne (Host) So that's been stable. 14:11 - Tom (Host) Yes, but what hasn't been stable is the other 50%. We're talking purely on a genre level. On a genre basis On a genre level, well yay corporate explainer e-learning. Right. 14:26 - Anne (Host) All my stuff too, no-transcript. 14:50 - Tom (Host) Yeah, it's interesting because now that I'm kind of thinking through the evolution of what the other 50% has been and the other 50% hasn't been all one other genre but it's been a combination of other genres but I would say, for the first third of that years, a big part of that years, that other third was that part a big part of that other 50 was commercial. But then around from 2011, basically for like roughly 2011, and for another 10 years it turned into audiobooks, that which a big, the lion's share of that other 50 was audiobook narration, and now what a big chunk of it is is political. Yeah, yeah, yeah, so things change. 15:31 - Anne (Host) Mine is more. Yeah, I'm going to say mine is more heavier on the e-learning, just because it's what I enjoy doing E-learning, corporate explainer, all of that side. 30% commercial, but again that's the one that is super volatile, the commercial genre aspect of it. And audiobooks. I did one and I said uh-uh and I was no longer going to pursue that, and then I had other areas of my business that I found to be interesting, which obviously VO Boss was one of those. Vo Peeps was another thing and those were alternate sources of income. 16:03 But when you talk about just voiceover, the real steady part has been the size of the market in the non-broadcast long format narration genres, and I always tell people like it's just a huge market that is always needing voiceover. 16:21 And for me that's just kind of where I live, because I love it number one and I find it to be challenging intellectually and also creatively, and so that's where I choose to spend my time, pursuing income and pursuing jobs in those genres. In terms of ups and downs, yes, but there's ups and downs in those genres as well because, again, you're still trying to find the client, you're trying to, you're trying to be able to, to get the client's attention. Yes, right, I mean there's, there's. It can be a huge market, but if they don't know, you're out there, right. And then part of that is the let's try to get their attention to say, hey, I'm out here, you can hire me for that voiceover, let me audition for you, I'm available, you know I'm reliable and that sort of thing. So that's, that's got to be like a big portion of the consistency, like resilient. Being resilient and consistent I think is so important in having a long term career in this industry, resiliency and consistency. 17:26 So at the beginning- Resilient, resilient, resilient, right here on my arm. 17:29 - Tom (Host) Oh, look at that. 17:29 - Anne (Host) Resilience. Yes, resilience is on my arm, so-. 17:32 - Tom (Host) Oh, that's, I didn't know. I never noticed that. 17:34 - Anne (Host) That's crazy yeah it is definitely a plus. 17:38 - Tom (Host) So as a just a very brief recap, and then keep going, the realities of long VO career. We said training at the beginning and then I talked about genre stability working in stable genres, and then when you're talking about consistency and resilience. But you touched upon something which is also the next part of it is adapting to the realities of marketing strategies, because marketing strategies, the realities of marketing strategies. 18:06 Yeah, oh my gosh. Yes, Because marketing strategies, the effectiveness of marketing strategies, changes through the years. What worked five years ago doesn't necessarily work anymore, and what didn't work or didn't exist five years ago as a marketing strategy may be a critical part of your marketing strategies and tactics. 18:24 - Anne (Host) And see well, performance too has evolved over the years, Not quite as drastic as marketing strategies and tactics. And see well, performance too has evolved over the years, Not quite as drastic as marketing. 18:31 - Tom (Host) Performance demands evolve, Genres rise and fall and grow and ebb and flow and marketing strategies. All of this stuff evolves and changes and some stuff becomes obsolete and some stuff becomes like if you're not doing it now, you may not have a career, and then five years from now, it's going to, it's going to change on you. 18:50 - Anne (Host) And when I think about like longevity right, I think about a lot of people will be like burnout, you know, is there burnout or is there just, you know, fatigue in the actual work that's involved in running a business? I think there's think there's two different things, right. I personally feel I mean, unless you've been in it for a while and you're really like I'm gonna give this a go, right, and I'm gonna audition a hundred times a day, then you experience fatigue or burnout. I can see that for sure, because I think there's more ways to really move forward than just the auditioning on a daily basis. There's so many other things you can do in terms of marketing and business, right. 19:28 But I feel like just being consistent and being out there, because a lot of times I talk about when do clients buy? We are at the mercy of the clients needing our services. Really, we are at the mercy of the clients buying or needing our services number one, and then purchasing our services, and so, unless that need exists, right, it's hard. It's like we have to just be patient and we have to be resilient and we have to be consistent in our marketing and we also have to make sure that we're consistent in our skill set right and that we are not falling into something that we're educating ourselves along skill set right and that we are not falling into something that we're educating ourselves along the way, so that if somebody is asking for a conversational read, when the script is not written conversationally but yet we're still reading it, you know, in a way that sounds like this is what they want to hear, versus you acting, you know, and that's easy to fall into. 20:22 It's very easy to fall into that. I deal with that all the time because I teach long format narration, because you can keep somebody's attention for a sentence. But talk about keeping somebody's attention for, you know, five minutes or 10 minutes or an hour right, how are you doing that effectively, especially in today's world where you know I can barely like, I can't sit through a sitcom without scroll. You know, scrolling on barely like. 20:43 - Tom (Host) I can't sit through a sitcom without scrolling on my phone. Yeah Right, no, it's definitely a challenge and that's why continuing education with great coaches like Anne not to blatantly plug too much, Because Anne who is also a narrator, who is booking work regularly, who is reading casting notices and auditioning for stuff regularly work regularly? Who is reading casting notices and auditioning for stuff regularly? Who's? 21:05 I'm assuming you're having conversations in some capacity with your representation, you know and making cold calls and emails, and doing blog posts and social media and shooting videos. Yeah, there's so much to it, right? 21:15 - Anne (Host) There's so much more than just the audition and and I did want to just want to finish my thought on like I was talking about like, is it fatigue because you're doing 100 auditions a day, or is it burnout? 21:26 I'll be quite honest with you, I don't think the majority of people that get into this industry know how much work it takes To be quite honest, know how much work it takes to actually be successful and to do this for long term. And the people that have stuck it out, they get it, I mean, and that just becomes part of their part of their strategy, part of their resilience. And, honestly, I think a lot of people they don't give it enough of a chance and they quit before they've put in the actual work. So I don't think there's burnout, to be honest, unless you're talking about people who've been at it for 20 years, right, and they're just burnt out. But in the beginning I don't think you find people with burnout because I don't think they realize just how much work it takes and I say that one more time, tom they do not realize how much work it takes and even today for me, right, and you, it takes a lot of work. 22:17 - Tom (Host) Yeah, I mean I'm not gonna sugarcoat it. A couple years ago someone booked a free 15 minute consult with me and I'm like sure what's going on. They're like I've booked, I've done all these auditions and I just can't seem to book anything. And I'm like well, how many have you done? 40? 22:33 - Anne (Host) Yes, exactly. 22:37 - Tom (Host) And I'm such a jerk I went oh, I'm so sorry, just like I did and I apologize profusely. I'm like, I'm so sorry. I'm so sorry. I really don't mean to laugh, but you need to put two zeros on the end of that before you can really. Exactly, he was very he's like okay, thanks for your time, and he pretty much hung up on me. He was very upset and I feel bad to this day. I hope he's a successful voice actor right now. I felt really bad about that. 23:06 - Anne (Host) It's funny because people, yeah, I will say that it's kind of like the old thing, like when you invite 100 people to a party, how many people show up? Right, there's a small small percentage. Right? If you do auditions, how many? If you book how many percent of those auditions? Right, and Tom, that's something you can go back to your spreadsheet. I don't have a spreadsheet. 23:25 - Tom (Host) I did have a spreadsheet before. 23:26 - Anne (Host) I know you've got the numbers and so you could say it's a lower percentage than people think they think oh, I auditioned for 100. I should be able to book 50. 23:34 - Tom (Host) No, take a zero off of that. 23:35 - Anne (Host) Yeah, exactly Exactly, it is in the 1% to 2% to 3%. 23:40 - Tom (Host) If you're booking 5% of your auditions, you're doing amazing. 23:43 - Anne (Host) Oh, that's amazing. And that's even if you've been in the industry for 20 years. Yeah, exactly. 23:48 - Tom (Host) And also that percentage will go up and down based on whether the auditions are coming through your representation, which there may be a lot less people auditioning for it, or if it's coming through an online casting site, especially if it's like a free online casting site, like if you're on Casting Call Club or something where literally thousands of people are auditioning, you know or if it's through your self-marketing strategies, where you're one of a handful of people with of your demographic on some production company's roster and you're one of three or four people that are auditioning. So the percentages will go up and down. But if you average the whole thing out, yeah, if you're doing 5%, you're doing really, really well. 24:23 - Anne (Host) Yeah, and I'm going to say, I'm going to say a big part of that again, it runs into this whole mindset. That I think is a huge part of success in long-term success is mindset Because, again in the beginning, when you're like, oh my gosh, i've've auditioned 40 times and I didn't get anything, or I auditioned 100 times, you know what I mean? I got a short list and so that whole thing in the very beginning of my career myself, right was hard. I had to fight through it. I had to fight, I had to make sure that I was like no, no, no, no. I am confident in my skills, I'm confident that I can do this, and I think that your mental mindset has a lot to do with your success and in sticking it out right Again and pushing through the lean times, pushing through the times where even you know I did a great audition, I could have been the perfect voice, yet I still did not get the job, understanding that people cast for many different reasons. It's not all to do with your skill or performance. 25:28 - Tom (Host) I agree. I need to make one more very important point, which is the reason why I'm able to still be in the voiceover industry, because there was a time when my income was fluctuating wildly and then kind of downshifted. This is one thing. That this is, bosses. If there's one thing I want you to take away from this conversation, it's this. It's that decision makers they make decisions in certain ways over who they're going to cast, why they're going to cast them and how they're going to cast them. That changes over time. So in the 90s there were no online casting sites. It was agents. So either you had an agent or you didn't. And self-marketing I was making in the 90s I was making 50 cold calls a day. A lot of people didn't really even have email. 26:22 Nobody knew what that was, so the decision makers in the 90s right were agents and managers which I didn't get representation for a very long time. 26:30 - Anne (Host) I didn't get my first quality, consistent rep until 2005. Yep, yep. I think it was 2006. Before that, it was 2006. 26:37 - Tom (Host) Okay, and then you know, and then it evolved into email, so I'll put it. So it's like this You're a voice seeker, you're a decision maker and you're looking in this direction and saying this is how I decide, this is how I cast voice actors. They've got these horse blinders on. This is the point where they're facing. You need to be right there in their view, being like how you doing With your demos in their hand, with the marketing and whatever, but there's going to come a point and this happens for almost all of them that at some point they're going to be like nope, this is how I make voiceover decisions now. 27:10 This is how I cast Often, and in the early 2000s to this day it's shifted where now they're looking at online casting sites. So if the view of the decision makers goes from here and it moves in the spot, let's say it's a spotlight. If that spotlight goes over here and you're not in that spotlight, they're not booking you. You need to go from there to there to be like how you doing? Because now the spotlight's shining on you, because this is where they're making decisions on how to cast, and then it'll shift again. And it'll shift again. Agents, managers, casting directors, free casting sites, pay-to-play casting sites, self-marketing strategies indirect and indirect and AI. 27:53 - Anne (Host) And I always think, like we are so isolated in our booths, right, and we're auditioning, we're like, but I've got the skillset, but I'm not getting the work right, or whatever mindset tricks you're playing on yourself. You still cannot forget that our profession is guided by the clients who hire us. Right, they're decision makers, Like, what is like, where are they hiring? How are they hiring, is it? You know? They're busy people, we're busy people. 28:21 I mean I would say that life, the pacing of this life, just gets quicker and quicker and quicker, and so some of them still rely on talent agents or their agents or casting directors to help them make decisions. Some of them are like I just need to Google at the prompt and find someone. And it really depends on who is hiring us, really depends on who is hiring us. And don't forget to educate yourself and practice resilience and strategies to get to those people and understand why they hire us, why they may not hire us and how you can get in front of them. And I love that example of the spotlight, tom, because that just makes a whole lot of sense. You've got to be in their field of vision in order for that to happen, and there can be many reasons as to why you're not, but understanding and educating yourself and evolving along with the industry and being knowledgeable in more ways than just performance. There's a lot to be said for that. 29:13 Yeah, because you know what Cold calls worked, and then they don't work, and then emails work, and then they don't work, and then newsletters work, and then they don't work. And then emails come back a little bit, and then they work again. And then postcards work, and then newsletters work, and then they don't work back a little bit, and then they work again, and then postcards work, and then they don't work. 29:24 - Tom (Host) Yeah, exactly texting works, and then social media works, and then it doesn't work and then they go to a different social media platform that you were on exactly now. 29:31 - Anne (Host) They're tired of you know, like ai, they try ai and then they. 29:35 - Tom (Host) Then they get off of ai and you know it's, it never stops, which is why you make sure that and this is a big word and make sure that legacy thinking does not stagnate your voiceover career. Legacy thinking destroys careers. 29:50 - Anne (Host) Absolutely, absolutely. You have to have a broader and you have to have a broader sense of the business of voiceover to really understand and have longevity. Now there's very few people who maybe started off in the beginning. They're super talented, they're in a big market, they've got a manager right or an agent that is going to bat for them, and so you know that's a different story, but I would say that's maybe less than 1% of the total voiceover population where that's happening. 30:20 Other than that, you have to be, have your eye on the ball, you have to have your eye, you have to be in that spotlight, as Tom says, that moving, rotating spotlight. You have to be educated about that spotlight and I'm going to say that good, I'm going to say trusted people in the industry that you are have a relationship with good coaches, good agents, good managers, and your community is so important to help you to be successful. It is an isolating job, right, this is such an isolated. We're in our booths, we're by ourselves, and I know that it was a big adjustment for me when I went full time into voiceover versus, you know, having my corporate job where I went to the office every day. I had kind of a social interaction with my colleagues and my you know my teammates. And now, all of a sudden, I'm by myself and I have myself and my thoughts Scary. And my thoughts can be scary sometimes, especially when I'm doubting right, why am I not booking Right? Why? 31:18 And those thoughts can be destructive in a successful voiceover career. So the mental part of it, the resilience, the strategizing, is, I think, almost well. You can't really have a career without having good performance skills and good business skills. But also, if your mental health is not there and your community is not there to support you, your loved ones aren't there to support you, your loved ones aren't there to support you and encourage you, it's going to be really hard because it's an isolating industry and you know, thank goodness for the conferences, right, and the little get-togethers that we can have. I mean, we're just, we're like hungry people when we go to conferences. We're all like you know, we can't get enough of each other right. Seeing each other after all this time and really that community is, I think, a big part of what can help you to be successful in a long-term voiceover career. 32:11 - Tom (Host) I think you're right, anne. I think that's one of the most important ingredients to a successful long-term career is to be a part of the community for education, for inspiration, for commiseration and for renewal of purpose. 32:23 - Anne (Host) Exactly, yeah. So, bosses, we are part of a community, so I encourage you to be a part of a community. Be a part of Tom's community and really we will get through this and 20 years from now, we will still be God willing, if the technology doesn't, God willing if the creek don't rise, as the old people say. 32:44 God willing, we will still be here. We'll still be here doing voiceover and the stuff that we love, or, even if it's not voiceover, it's something that we love and that we still have our community. And so, what a great conversation, guys. Keep going. A marathon, not a sprint. Keep going. We've got faith in you and we've got a community here that can support you. Tom and I are here, so, bosses, reach out if you need, and we've got you All right. Big shout out to our sponsor, ipdtl. You, too, can connect and network like bosses real bosses. Find out more at IPDTLcom. Have an amazing week, bosses, and we'll see you next week. 33:21 - Speaker 2 (Announcement) Bye. Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry-revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast-to-coast connectivity via IPDTL.

Tom Cock and Apella Wealth advisor Roxy Butner team up for a lively listener Q&A episode covering everything from the new wave of penny-stock IPOs to retirement readiness and tax traps. Tom opens with a warning about the surge in risky penny-stock offerings, then the two dive into listener questions about annuity sales pressure at Fidelity, portfolio diversification mistakes, CD taxation myths, Roth conversions, and one standout 21-year-old listener getting her financial life off to a stellar start. 0:05 Tom opens with a warning about the explosion in penny-stock IPOs 1:26 Why “lottery-ticket” stocks nearly always burn investors 2:21 Diversify, stay tax-efficient, and skip the hype 2:30 Roxy joins for listener Q&A 3:38 Fidelity's annuity pitch — a listener wonders if it's time to leave 5:05 Who's truly fiduciary: Fidelity vs. Vanguard vs. Apella 6:14 Vanguard dipping a toe into crypto 6:51 Quabina from Ohio: $2.2M at 47 — diversified enough to retire at 55? 8:14 Missing global diversification and bonds in an all-U.S. portfolio 9:57 Early-retirement planning challenges and healthcare costs 10:20 How to design the right stock-bond-international mix 11:36 Daniel from California: Are long CDs taxed as capital gains? 13:04 Why CD interest is always ordinary income — and muni bond alternatives 13:29 Year-end planning: RMDs, Roth conversions, and tax optimization 14:45 Common tax mistakes and mis-placed assets 15:19 Emily from Ohio: “Young and Dumb” — a 21-year-old investing the smart way 18:51 Building a first Roth IRA and why bonds don't belong yet 20:00 One-fund simplicity: AVGE vs. VOO 21:41 Long-term mindset: global diversification and patience pay off Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget for a big life event without guilt? What's the foolproof way to get and read your free credit reports? In this episode, hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting and credit monitoring to help you protect your finances. They open by discussing trip and wedding budgeting trade-offs, like how to prioritize comfort, set spending caps, and decide when to splurge. They share tactics for separating wedding and honeymoon costs, using cash gifts and registries wisely, and staying flexible when real prices blow past early estimates. Then, NerdWallet lead writer Amanda Barroso joins Sean and Elizabeth to answer listeners' questions about how to access and monitor their credit reports. They explain the difference between reports and scores and do a live read-through of Sean's Experian report. They cover how to get free weekly credit reports, how to spot hard vs. soft inquiries, what truly matters to your score, what to ignore, and step-by-step moves to dispute errors with the right bureau(s) fast. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Standout high-yield CDs: https://www.nerdwallet.com/m/banking/standout-cd-rates-2  Enter your deposit, CD term and APY to see what interest you would earn on a certificate of deposit with NerdWallet's free CD calculator: https://www.nerdwallet.com/banking/calculators/cd-calculator  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: free credit report, credit score, FICO vs VantageScore, how to read a credit report, dispute credit report errors, credit freeze vs lock, Experian, Equifax, TransUnion, hard vs soft inquiry, identity theft credit report, free weekly credit reports, adverse action notice, credit utilization, bank app credit score, frozen credit report, collections on credit report, mortgage on credit report, mixed credit files, verify identity for credit report, step by step read credit report, remove errors from credit report, how to check credit score for free, VantageScore 3.0, FICO score 10T, credit bureau upsell, lock vs freeze security, and travel budget planning. 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

In today's episode, I'm playing around with some music from one of my favorite soundtracks, Legend, using the score done by Tangerine Dream.  There's a piece in there I have always liked, called "The Unicorn Theme" and the same melody and chords get used in the ending song for the theatrical release in a ballad with vocals done by Jon Anderson called "Loved by the Sun" with the Tangerine Dream synths in the background.  When I first heard it, I thought it was an odd mix, with neither of them really fitting together, and I was always vaguely irritated they didn't just make "The Unicorn Theme" longer (the track on the score doesn't use all the bars heard in the film), but as I have gotten older, I have comes to really like "Loved by the Sun."  It is not an easy song to sing nor play (at least for me), as it requires a pretty big range.  I'm trying it today on the piano with just chords, which I found harder than the guitar, which I find easier to play for certain things (this being one of them).  That said, I think it'd sound great on the piano blended in with the notes from "The Unicorn Theme" since that is essentially what they did in the film, if I recall.   I'm going to play around with over the net week or so and see what I come up with.  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 of ThimbleberryU, we dive into the hype and misinformation around Treasury bills (T-bills) that's been circulating across social media platforms. We've all seen the claims: “risk-free,” “better than savings accounts,” “Warren Buffett approved,” and “perfect for retirement.” But are they really that simple?  Amy Walls from Thimbleberry Financial breaks down what's true, what's misleading, and what actually matters when it comes to investing in T-bills.We start by clarifying what T-bills actually are—short-term loans to the U.S. government, ranging from four weeks to a year. You buy them at a discount, and the difference between the purchase price and the face value at maturity is the interest you earn. While social media often touts them as risk-free, we explore why that's only partially true. T-bills carry almost no credit risk, but they do carry inflation risk—if inflation outpaces your return, you're effectively losing money.Next, we tackle the common claim that T-bills always outperform savings accounts and CDs. In some market conditions, that's accurate—especially since T-bills are exempt from state and local taxes—but not always. High-yield savings accounts or promotional CDs can sometimes be more competitive. The idea of “guaranteed returns” is also addressed; while T-bills pay a set amount, they don't roll over automatically, which means you need to be actively involved to maintain any momentum.We also discuss the often-referenced Warren Buffett angle. Yes, Buffett uses T-bills—but only as a parking lot for cash while waiting on bigger investment opportunities. He doesn't treat them as a core piece of his long-term strategy, and neither should the average investor without considering context and goals.When it comes to retirement planning, T-bills can be part of the equation—but they aren't universally ideal. They work for retirees focused on capital preservation, but younger investors risk missing out on growth if they lean too heavily on T-bills. We emphasize that T-bills are a tool, not a one-size-fits-all solution.  Again, diversification of investments is key.The takeaway is clear: T-bills can serve a purpose—whether as a component of a cash reserve or a conservative bond alternative—but only when used with intention and in alignment with a broader financial strategy. Social media often oversimplifies investments for the sake of attention. We encourage listeners to approach these decisions thoughtfully and critically.00:00 – Introduction & T-Bill Hype on Social Media00:47 – What Are T-Bills, Really?01:46 – Are T-Bills Risk-Free?03:00 – T-Bills vs. Savings Accounts and CDs03:53 – “Guaranteed Returns” – Fact or Fiction?05:08 – The Warren Buffett Argument06:00 – Are T-Bills Good for Retirement?07:13 – Using T-Bills Strategically08:43 – The Real Lesson on Financial Tools09:25 – How to Connect with Thimbleberry Financial To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

This joyful song praises the true ruler of the earth: a God of justice and compassion who stands with the vulnerable of this world. Set to ‘Here's a Health,' it is a jubilant song of praise, but one that recounts various forms of suffering ~ oppressive power, poverty, false imprisonment, injustice, bereavement, refugees ~ and continually places hope in the goodness and mercy of the one who will ultimately see us through such earthly struggles.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 HallelujahFind 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

Flo frontet ehrenlosen Zuhörer und Gast Chapo102 beehrt die Jungs beim Berlin Stopp. Max glänzt mit Weihnachtsmusikwissen? Wo ist eigentlich Saschas Album? Wie viele Lieder haben Musiker so in der Hinterhand und wie viele CDs werden heutzutage noch verkauft? In der Community Kategorie "Bin ich das Arschloch?" stehen Fragen im Raum wie: Wie viele Girls darf man auf einem Festival haben, kann man einen 60 jährigen Kommilitonen ghosten und darf man so tun, als spräche man kein Deutsch um auf der Straße in Ruhe gelassen zu werden? Bei "Top oder Flop" haben die Jungs selber keine Ahnung, was sie eigentlich machen wollten aber bei der Kategorie "Mache nur ich das?" geht es mal wieder ums Thema Arsch-Hygiene. Das solltest ihr nicht verpassen! ⁠Samsung Galaxy Watch8⁠ – die ultimative Smartwatch mit AI-Power Live Podcast Tour Tickets + Merch, uvm. gibt es hier: ⁠https://linktr.ee/offlineundehrlich Learn more about your ad choices. Visit podcastchoices.com/adchoices

Idea: Cans of food sold in stores labeled as "Stoner's Choice chili" but actually containing corn or beef stew or other food (but not chili). Also: using trickery to prank your friends and/or profit off of selling unwanted or nearly expired cans; mixing all of the cans of other foods so that it becomes chili; using "Stoner's Choice" as a brand for all sorts of intentionally mislabeled products such as soda, T-shirts, music CDs, pets/pet food, etc; simulating "Stoner's Choice" by wearing a blindfold or augmented reality glasses; discussing weird foods/drinks such as ginger ale, cream soda, and the Jelly Belly "Bean Boozled" game Chris Barnwood (facebook.com/chris.barnwood instagram.com/chrisbarnwood) Alex Wilson (youtube.com/@thedropoutprofessor instagram.com/thedropoutprofessor Email: alexwilsoncomedy@gmail.com) Wes Allen (facebook.com/wes.allen.264240 instagram.com/wesallencomedy Email: wesallencomedy@gmail.com) Tom Walma (https://creativitywasted.com/creativitywasted x.com/thomaswalma twitch.tv/gameymcfitness) This podcast is part of Planet Ant Podcasts (https://planetant.com) This podcast is powered by Pinecast.

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!! / @theusedbookguy 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.

He dazzled with a beautiful acappella for the anime NO.6, he was dazzling everyone performing live songs from the Prince of Tennis character song series, he was impressing everyone for Rejet's Wolves Saga character song CDs. He was on par with Mamoru Miyano and KISHOW in his prime, before a health scare pushed him away from singing for years to focus on recovery after a particulary sensitive procedure to his vocal chords.In this episode, join me as I revisit what made Hosoya Yoshimasa, my favorite singer among male seiyuu in the early 2010's and how I believe he was bound to get a solo debut and that, today, he'd be the face of aoppella?!.This is an unscripted episode of the podcast.

Learn how to handle holiday shopping in an increasingly expensive spending environment. Plus, lightning round insights around debt, investing, and savings goals.  How should you prepare for holiday shopping when tariffs and inflation are leading to higher prices? When should you prioritize paying off your mortgage versus investing in the market? Hosts Sean Pyles and Elizabeth Ayoola welcome back senior news writer Anna Helhoski  and data writer Erin El Issa to dig into holiday shopping trends, including ways you can save on gifts and travel while reducing stress.  Then, Sean and Elizabeth jump into a lightning round to answer a number of listener questions. They share insights on how to weigh the opportunity cost of paying off a mortgage versus investing in the market. They also look into how to better understand what your robo advisor may be investing in. And they talk about some of the smartest places to stash cash — like high-yield savings accounts or CDs — if you are planning for a short term goal.   NerdWallet Holiday shopping report: https://www.nerdwallet.com/article/studies/holiday-spending-report  Best CD rates: https://www.nerdwallet.com/best/banking/cd-rates  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: holiday budgeting, holiday spending tips, how to budget for the holidays, holiday shopping debt, how to avoid holiday debt, NerdWallet holiday spending report, tariffs and inflation 2025, saving for holiday gifts, managing holiday travel costs, holiday money stress, how to save for holiday travel, pay off mortgage or invest, paying off mortgage vs investing, opportunity cost investing, ETFs explained, SPY ETF, XLK ETF, Vanguard Digital Advisor, collective investment trust, CIT vs ETF, Vanguard institutional trust, best high-yield savings accounts, CD ladder strategy, best CD rates, how to save for a house down payment, short-term investing options, budgeting app, NerdWallet app, personal finance podcast, Smart Money podcast, holiday money advice, how to manage debt during the holidays. 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

Send us a textHere in Episode 244 of the No Name Music Cast, it is Tim's turn to pick the topic and he chooses to ask Joy what CDs she would take with her is she was stranded on an Island in the sea.Joy's picks include Shania Twain, Spice Girls and Jimmy Buffett.We also talk about Storm Doors, Threads, Motown and Rough Justice!Support the showEmail the show: nonamemusiccast@gmail.com Instagram: https://www.instagram.com/nonamemusiccastpodcast/ https://nonamemusiccast.com/

As the Federal Reserve shifts toward lower interest rates, investors face a new challenge: how to make their cash work harder in an economic landscape where traditional savings vehicles may soon offer diminishing returns.  On this episode of Market Sense, we explore investments that can thrive when rates decline and offer strategies for investors looking for other ways to reinvest their cash. Want to research rates? Head here to look up CUSIP numbers, bonds yields, and CDs. Read the full transcript View the slides Watch the video replay

Rush Hour Podcast — Morning Edition In this morning's episode of The Rush Hour Podcast, we dive into the wildest updates breaking overnight:

In today's episode, my brother and I are wrapping up the role playing adventure we started last week based on a setting in his role playing game, Mappa Mundi.  This week picks up after the main character, Axel, has fallen into a deep crevice in the ice.  Will he emerge?  What will he find in the icy depths below?  There were supernatural creatures (below) above the rift - what about within it?  Who knows what Axel will find in the depths below?! Thanks for listening!  Watch for the compilation of these two parts on youtube coming soon.  By the way, the track, "The Ice Giant," that I recently wrapped up is available on my Bandcamp page here.∞∞∞∞∞∞∞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!

Nur 18 Monate nach dem Debütalbum präsentieren The Last Dinner Party, die vielleicht meistgehypteste Gitarrenband der letzten 5 Jahre, ihren Zweitling. Wir sprechen mit Emily Roberts und Georgia Davies über die neuen Songs, Industry-Plant-Vorwürfe und fragen, seit wann Maximalismus wieder cool ist. «From the Pyre» ist das neue Sounds! Album der Woche. Vinyl und CDs gibt's jeden Abend bei uns zu gewinnen – immer live in der Sendung.

In this episode, we discuss recordings of “Charpentier: Messe à 4 Chœurs. Cori Spezzati” (Château de Versailles Spectacles) by Consort Musica Vera, Chœur de la Maîtrise du CRR de Paris & Chœur de l'Opéra Royal / Jean-Baptiste Nicolas, “Bacewicz: String Quartet No. 4, Piano Quintet No. 1” (Evil Penguin) by Jâms Coleman & Karski Quartet, “Dobrinka Tabakova: Sun Triptych” (ECM) by Maxim Rysanov, Dasol Kim, Roman Mints, Kristina Blaumane & the BBC Concert Orchestra / Dobrinka Tabakova, “Murmurations” (Self Release) by Kate Wyatt, “Quiet Blue” (Juste Une Trace) by Thibault Renard, and “The Dark Forest” (SteepleChase) by Chris Byars Sextet.   The Adult Music Podcast is featured in: Feedspot's 100 Best Jazz Podcasts   Episode 232 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.   “Charpentier: Messe à 4 Chœurs. Cori Spezzati” (Château de Versailles Spectacles) Consort Musica Vera, Chœur de la Maîtrise du CRR de Paris, Chœur de l'Opéra Royal / Jean-Baptiste Nicolas https://open.spotify.com/album/23L8tc900t7y62YScVFuPS https://classical.music.apple.com/py/album/1829853747 https://music.amazon.com/albums/B0FKB7XMVY   “Bacewicz: String Quartet No. 4, Piano Quintet No. 1” (Evil Penguin) Jâms Coleman, Karski Quartet https://open.spotify.com/album/4xkh8pQ8RFy3OGpM4v0vp4 https://classical.music.apple.com/py/album/1824408870 https://music.amazon.com/albums/B0FGJKGVNT   “Dobrinka Tabakova: Sun Triptych” (ECM) Maxim Rysanov, Dasol Kim, Roman Mints, Kristina Blaumane, BBC Concert Orchestra / Dobrinka Tabakova https://open.spotify.com/album/7azNPva2E8OJCHfva6K1C1 https://music.apple.com/us/album/tabakova-sun-triptych/1833960311 https://music.amazon.com/albums/B0FMWKMQZG   “Murmurations” (Self Release) Kate Wyatt https://open.spotify.com/album/20pWPCYa1y2d9wLDQ2sfAe https://music.apple.com/us/album/murmurations/1832487242 https://music.amazon.com/albums/B0FLYL5HXG   “Quiet Blue” (Juste Une Trace) Thibault Renard https://open.spotify.com/album/6JgGy5jZY8E5oYaf88opJP https://music.apple.com/us/album/quiet-blue/1830454253 https://music.amazon.com/albums/B0FKTB6QCW   “The Dark Forest” (SteepleChase) Chris Byars Sextet https://open.spotify.com/album/4kFItljxvnU4JdIln0Wdp4 https://music.apple.com/us/album/the-dark-forest/1844056557 https://music.amazon.com/albums/B0FSG9R8C1

This is a Psalm about the transformation from a call to battle into a prayer for peace, and is set to ‘The King's Shilling' by the Scottish musician Ian Sinclair. The desire for peace is hard won, after facing the realities of war. In the same way, our prayers for people also become more fervent when we encounter the dreadful realities of war, and our hearts are softened as we utter our prayer of blessing on the next generation, that they will become “trees full grown” and “pillars firm,” and that our streets may not be filled with sorrow any longer.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 Come, Spirit, ComeFind 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

When seen with clarity, the dharma sheds light on nearly every aspect of our daily lives. In this highly engaging talk, Eve Decker explores in plain language how Buddhist teachings can help us deal with our daily struggles. By highlighting the intersection of Buddhist wisdom and neuroscience, she shows how ancient teachings align with modern psychological frameworks.Eve emphasizes that the Buddha was, in many ways, a master psychologist—offering insights into suffering, habit formation, and emotional regulation that contemporary science continues to affirm. Eve draws on the work of Dr. Rick Hanson and Dr. Daniel Siegel to illustrate how mindfulness and compassion practices can rewire the brain, and she highlights how Buddhist teachings on awareness, intention, and ethical living are echoed in therapeutic models like Internal Family Systems (IFS), Cognitive Behavioral Therapy (CBT), and Polyvagal Theory.Eve also breaks down several key concepts that bridge Dharma and psychology:Neuroplasticity – the brain's ability to change through repeated practice, supporting the Buddhist emphasis on intentional cultivation.Negativity bias – our tendency to focus on threats, which mindfulness helps balance by training attention toward wholesome states.Self-directed neuroplasticity – consciously reinforcing positive traits like gratitude and kindness, a core aim of both Dharma and CBT.Internal Family Systems (IFS) – recognizing and compassionately working with different “parts” of ourselves, much like Buddhist teachings on non-self and multiplicity of mind.Polyvagal Theory – understanding how safety and connection regulate our nervous system, aligning with the Buddhist emphasis on compassion and relational presence.The role of repetition – how consistent practice strengthens beneficial traits, whether through meditation or therapeutic exercises.Throughout the talk, Eve reminds us that transformation is possible—not through force, but through gentle, repeated attention. With warmth and clarity, she shows how both science and spirituality point toward the same truth: we can train the mind toward freedom.______________Eve Decker has been practicing Insight Meditation since 1991, and has taught groups, daylongs, and short retreats since 2006, particularly at Spirit Rock, the East Bay Meditation Center, and elsewhere in the Bay Area. She is a graduate of UC Berkeley and of Spirit Rock's Path of Engagement and Community Dharma Leader training programs, and has been trained in the Hakomi approach to body-based psychotherapy. Eve is also a singer/songwriter who has combined the power of music and dharma practice. Her most recent CDs are “In: Chants of Mindfulness & Compassion,” and “Awakening Joy - The Music.”Find her at EveDecker.com ______________ To support our efforts to share these talks with LGBTQIA audiences worldwide, please visit https://gaybuddhist.org/There you can: Donate Learn how to participate live Find our schedule of upcoming speakers Join our mailing list or discussion forum Enjoy many hundreds of these recorded talks dating back to 1996 CREDITSAudio Engineer: George HubbardProducer: Tom BrueinMusic/Logo/Artwork: Derek Lassiter

Tunes: Robin Moss Kingsbury: Spooky Song Peter MacLeod Jr: Loch Ness Monster TuneArchive Sources: Old Crow Reel, Raven Through the Bog, Jeremy Kingsbury: Twa Corbies, The Rakes of the Time, Hey Johnny Cock up Thy Beaver, The Werewolf Meadows Trio: Wolf in the Butter Rowan Leslie: The Siren Demon Barbers: The Werewolf Michael Hurley: The Werewolf Cat Power: The Werewolf Dan Whalen: The Witches Readings From: Adomnán: Vita Columba Unknown: The Book of Secrets of Albertus Magnus Unknown: The Bestiary (MS Bodley 764) Marie de France: Bisclavret the Werewolf Check out Dan Whalen on Tiktok at protectionroad https://www.tiktok.com/@protectionroad?isfromwebapp=1&sender_device=pc St. Columba story: https://www.esquareinch.com/st-columba-vs-the-loch-ness-monster/ Links Coming soon: 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

Doug Adams of Doug's AppleScripts was a guest on the very first episode of MacVoices and he's back to help celebrate the 20th anniversary of the show. Doug looks at AppleScript's enduring legacy, automation on the Mac, and his inventive “bathroom music” project. Doug and Chuck discuss the evolution from CDs to streaming, Apple Music's scripting roots, and the changing ways people collect and experience music. Later, Chuck talks about the genesis of MacVoices, how his other shows (MacNotables, The MacJury, and MacVoicesTV) eventually merged into MacVoices, and answers some frequently asked questions.  Show Notes: Chapters: [0:00] Celebrating 20 years and welcoming Doug Adams [1:54] The early days of AppleScript and Mac automation [3:10] New automation tools vs. AppleScript's staying power [6:42] AppleScript inside Apple Music [9:02] Music app evolution and metadata management [13:43] Metadata obsession and smart playlists [15:35] Doug's “bathroom music” automation experiment [21:13] Home automation frustrations and AppleScript limits [28:09] Most popular Doug's Scripts and Apple Music quirks [31:11] Apple Music vs. local libraries [36:12] Collecting CDs in the streaming era [38:55] Generational shifts in music perception [42:10] How music has (and hasn't) evolved since the 1960s [45:25] Doug's “Next Track” pick: Lucinda Williams [48:29] A look back at 20 years of podcast history and evolution Links: MacVoices Legacy Channel on YouTube Guests: Doug Adams is an AppleScript developer and, since 2001, the proprietor of Doug's AppleScript. Doug is an audio and voice-over producer by trade and formerly worked in radio broadcasting as—at various times—disc jockey, announcer, production director, and program director. He is a musician, a life-long music lover, and all-around audio geek who also co-hosts The Next Track podcast with Kirk McElhearn. Support: Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect: Web:      http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices Mastodon:      https://mastodon.cloud/@chuckjoiner Facebook:      http://www.facebook.com/chuck.joiner MacVoices Page on Facebook:      http://www.facebook.com/macvoices/ MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice LinkedIn:      https://www.linkedin.com/in/chuckjoiner/ Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Join this channel to get access to perks such as Weekly Zoom Calls & Private Discord!! https://www.youtube.com/channel/UC4BqTVQA1pCwe9QaEPwD3MQ/join 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.

Doug Adams of Doug's AppleScripts was a guest on the very first episode of MacVoices and he's back to help celebrate the 20th anniversary of the show. Doug looks at AppleScript's enduring legacy, automation on the Mac, and his inventive “bathroom music” project. Doug and Chuck discuss the evolution from CDs to streaming, Apple Music's scripting roots, and the changing ways people collect and experience music. Later, Chuck talks about the genesis of MacVoices, how his other shows (MacNotables, The MacJury, and MacVoicesTV) eventually merged into MacVoices, and answers some frequently asked questions.  Show Notes: Chapters: [0:00] Celebrating 20 years and welcoming Doug Adams [1:54] The early days of AppleScript and Mac automation [3:10] New automation tools vs. AppleScript's staying power [6:42] AppleScript inside Apple Music [9:02] Music app evolution and metadata management [13:43] Metadata obsession and smart playlists [15:35] Doug's “bathroom music” automation experiment [21:13] Home automation frustrations and AppleScript limits [28:09] Most popular Doug's Scripts and Apple Music quirks [31:11] Apple Music vs. local libraries [36:12] Collecting CDs in the streaming era [38:55] Generational shifts in music perception [42:10] How music has (and hasn't) evolved since the 1960s [45:25] Doug's “Next Track” pick: Lucinda Williams [48:29] A look back at 20 years of podcast history and evolution Links: MacVoices Legacy Channel on YouTube Guests: Doug Adams is an AppleScript developer and, since 2001, the proprietor of Doug's AppleScript. Doug is an audio and voice-over producer by trade and formerly worked in radio broadcasting as—at various times—disc jockey, announcer, production director, and program director. He is a musician, a life-long music lover, and all-around audio geek who also co-hosts The Next Track podcast with Kirk McElhearn. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

When Dave Ramsey told a 20-year-old rancher he made a “huge mistake” buying $100,000 in cattle, we had some thoughts. Spoiler: Dave doesn't understand agriculture, leverage, or infinite banking.

Supreme Court and redistricting, Venezuela, and lots of other newsy fun~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Politics, Testosterone, Flying Car Production, Starlink United Airlines, Joy Behar, Senator Fetterman, Gavin Newsom, CA Derangement Syndrome, CDS, Tylenol, Candace Owens, Pentagon Press Tantrum, NBC CBS News Layoffs, Young Republicans Chat, James Carville, Voting Rights Act, Big Balls Edward Coristine, Non-Judgmental Kendra Briggs, Venezuela Drug Boats, Alex Jones, Scott Adams~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~If you would like to enjoy this same content plus bonus content from Scott Adams, including micro-lessons on lots of useful topics to build your talent stack, please see scottadams.locals.com for full access to that secret treasure.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian celebrate the third birthday of the latest bull market — and reflect on what an 85% rise in the S&P 500 since 2022 really teaches long-term investors. Then, they explore a hidden risk for high-net-worth investors: complacency. When your wealth grows, it's easy to think it'll manage itself. Bob and Brian share how rebalancing, tax strategies, and proactive planning can keep success from turning into vulnerability. Plus, the team answers your most pressing financial questions about Roth IRAs, 5% CDs, and more.

As the host and creator of numerous hit culture podcasts, Sam Sanders is known for having a finger on the pulse of pop culture. But growing up strictly Pentecostal in Texas, non-religious music was forbidden – so Sam got resourceful, smuggling CDs into the house in his underwear and watching MTV in secret. At 18 years old, just as he was getting ready to leave for Stanford, Sam's life was turned upside down. Both of his parents suffered major health crises in the span of a few months, resulting in Sam becoming their caregiver. Years later, Sam would face another devastating double-whammy with the death of his mother followed a month later by a crushing breakup. In this episode, Sam opens up about the music that carried him through – from Janet Jackson videos to soaring gospel tunes to revenge-fueled breakup anthems – and why today, he's savoring the freedom he's been chasing his whole life. Here are his songs. Janet Jackson, “Love Will Never Do (Without You)” Stevie Wonder, "Don't You Worry ‘Bout A Thing" Richard Smallwood, "Total Praise" John Mayer, “Stop This Train" Labelle, "Isn't It a Shame" Caroline Rose, “The Kiss” Fleetwood Mac, “Silver Springs”

In this episode of The Market Moment, financial professionals Matt, Lee, and John dive deep into one of the most frequently asked questions: What is the ideal asset allocation when entering retirement? The discussion covers: -The importance of balancing growth vs. safety as retirement approaches -Common mistakes retirees make with overly conservative portfolios -Why solving for income should be the first priority in retirement planning -The pros and cons of bonds, CDs, annuities, and equity exposure -The classic 60/40 portfolio rule—and whether it still makes sense today -How longevity, withdrawal needs, and market risk all factor into retirement strategy   This week's Market Moment concerns: -Recent market reactions to geopolitical events and tariffs -Insights into earnings season, job market data, and interest rate expectations -A historical comparison of market cycles, tech bubbles, and the rise of AI-related investments   The guys emphasize that while general rules of thumb—like a 50-70% equity allocation—can be useful, every retirement plan should be tailored to individual goals, income sources, and risk tolerance. They highlight the value of working with a trusted financial advisor to develop a flexible and durable retirement income strategy.  

In today's episode, I'm starting the first of a two part adventure with my brother, the one I was making music tracks for the past few weeks.  This is for a role playing adventure we recorded a few weeks ago based on a setting in his role playing game, Mappa Mundi.  The music track I made will play in the background few times this episode to signal the coming and discussion of a supernatural being we are referring to the Ice Giant.  There is a lot more about the giant and the world created for it in the game - see https://13thhr.wordpress.com/2025/10/13/the-thirteenth-hour-podcast-531-mappa-mundi-playthrough-into-the-rift-part-1/I'm currently working on an animation for this guy ...Thanks for listening!  Part 2 coming next week!∞∞∞∞∞∞∞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!

O PSD ganhou as maiores câmaras do país e é um dos vencedores da noite. O PS "voltou" e conseguiu destacar-se, enquanto o CDS e a CDU "se aguentaram". E Mariana Mortágua é "ativo tóxico" para o Bloco?See omnystudio.com/listener for privacy information.

Consider making a donation to The Piano Maven podcast by subscribing to our Substack page (https://jeddistlermusic.substack.com/about), which you also can access by clicking on the "Donate" button here: https://rss.com/podcasts/pianomavenTying in with Jed's live onsite coverage of the 19th Warsaw International Piano Competition this month, all of October's episodes are devoted to recordings of Chopin's music. On this episode, Jed discusses Deutsche Grammophon's 2021 box set reissue The Chopin Masters, featuring 28 CDs with 28 pianists.Here are links to some of the performers and performances covered:The original DG YouTube promotional trailer: https://www.youtube.com/watch?v=j2oBU-hb2KARoberto Szidon plays Scherzo No. 3 in C-Sharp Minor Op. 39 - https://www.youtube.com/watch?v=BKIRQBFB2_MAdam Harasiewicz plays Ballade No. 1 in G Minor Op. 23 - https://www.youtube.com/watch?v=QAsOmf3EWeIFou Ts'ong plays Mazurka in B-Flat Minor Op. 24 No. 4 - https://www.youtube.com/watch?v=m81GFTfo3FkVladimir Ashkenazy plays Scherzo No. 4 in E Major Op. 54 - https://www.youtube.com/watch?v=olKoS6Q1AM4Shura Cherkassky plays Polonaise-Fantasie in A-Flat Major Op. 61 - https://www.youtube.com/watch?v=1lzfx2n6iCIArturo Benedetti Michelangeli plays Prelude in C-Sharp Minor Op. 45 - https://www.youtube.com/watch?v=RHbxF0SP8Bg

News and Updates: Asahi Beer Shortage Looms: A ransomware attack crippled Asahi's IT systems, halting operations at most of its 30 Japanese factories. The brewer warns of beer shortages with no recovery timeline. Instagram Chief Denies Eavesdropping: Adam Mosseri insists Instagram doesn't use your microphone for ads. He blames ad coincidences on algorithms, web tracking, and user interactions—though few users believe him. Bezos Predicts Space Data Centers: Jeff Bezos says gigawatt-scale orbital data centers could emerge within 20 years, harnessing constant solar power and outpacing Earth-based facilities in cost and efficiency. Gen Z Embraces Old Tech: Teens and young adults are ditching smartphones for CDs, flip phones, and digital cameras to regain control over tech use, fueling a nostalgic low-tech revival movement. Amazon Drone Crash in Arizona: Two Prime Air drones collided with a crane and caught fire in Tolleson. No injuries reported; FAA and NTSB investigating as Amazon resumes limited drone flights. California Drivers Win Union Rights: Gov. Newsom signed AB 1340 granting 800,000 Uber and Lyft drivers the right to unionize as contractors—a landmark gig economy law, though delivery drivers are excluded.

Amazing treat, guys! Michelle Dempsey-Multack, MS, CDS and I have a super interesting discussion about divorce, remarriage, coparenting, and our own childhood issues that led to where we are today! Michelle is an awesome resource for divorced parents. Follow her on instagram @themichelledempsey, buy her book here, listen to her podcast here, and get coaching from her here.

✨ In this video I'm sharing my HUGE Britney Spears collection! ✨ I've been collecting Britney merch since the very beginning and I'm so excited to finally show it all off

This is going to be a very visual program, which may be a bit of a challenge because you're either listening to this as a radio show or podcast…so i need to work with me on this…  Vinyl is back in a way that no one could have ever predicted…in countries like Canada, the US, the UK, Australia, and beyond, vinyl is once again outselling CDs…and a surprising number of people are buying vinyl even if they don't have a turntable…  What's the point of that? ...simple…vinyl is a tangible and physical manifestation and representation of the music…it is something you own, something that resides with you, and no matter what happens, it is yours…  Many fans stream the music while holding the vinyl in their hands…that's the best of both worlds…the vinyl never gets damaged, but you get to hear the music just the same… And the attraction is the same as it ever was…liner notes, lyric sheets—and the artwork… For a while, we were in real danger of seeing the glories of album artwork disappear…first, it was shrunk down to cd-sized…then with sometime like iTunes, you got a little postage-same image…and with streaming, you get almost nothing when it comes to something that visually embodies all the blood, sweat, tears, talent, and inspiration that went into making that album…  So here on the radio (or the podcast), I'm going to ask you to conjure up images of these album covers in your mind…then you can go back to your vinyl library and take a look… We're revisiting album artwork on this episode of “The Ongoing History of New Music” with a look at the stories behind some iconic covers…and after this, you may not look at some of your albums the same way again… Learn more about your ad choices. Visit megaphone.fm/adchoices

Get every episode of The Dumb Zone by subscribing to the show at DumbZone.com or Patreon.com/TheDumbZoneThe Cowboys look great on Sunday against a now 0-5 Jets team. How much of it was the Cowboys and how much of it was the Jets? Plus, Holly Rowe blames Michael Irvin for not saving her from a tackle and what the hell happened to Mark Sanchez?Come check out The Dumb Zone & Cirque Du Sirois at the State Fair on October 11th at 12 PM for the Corn Hole/Front Truck Hole Challenge between TDZ & CDS!Rivian is giving away $11K worth of handmade goods from craftsmen right here in the Lone Star state. You could win a pair of custom cowboy boots from Graham Ebner Boot Maker, a table from Forrest Design Company, or two $1000 gift cards to Texas Heritage or Odin Leather Goods. Go to Rivian.com/bigtex and enter to win.DeeLuuxe Creations linkJust Gems by Dee link (00:00) - Open: Weekend check (47:50) - Cowboys ground the Jets (is that good?) (01:28:28) - Sports: Holly Rowe trucked (01:45:06) - News: What happened to Mark Sanchez (02:11:43) - VM birthdays/Today in History ★ Support this podcast on Patreon ★

From a babysitter spinning New Found Glory records in South Florida to sharing stages with Simple Plan and State Champs, Jonathon Fraser—better known as Northbound—has crafted a story of indie grit, pop-punk spirit, and relentless drive. In this episode of Bringin' It Backwards, Adam and Tera Lisicky sit down with Jonathon to trace his journey from anxious high schooler in Fort Lauderdale's DIY scene to full-time solo artist in Los Angeles. Jonathon opens up about the early days: burning CDs of bedroom-recorded singles, DIY touring in borrowed vans as a teenager, and navigating the uncertainty of going solo when his bandmates chose college over the road. He details how a chance with Animal Style Records sparked his transition from acoustic storytelling to fully-formed band recordings, eventually leading to his latest chapter with Smart Punk Records. You'll hear about the reality of surviving the industry—touring hardships, financial risks of “making it,” and the drive to simply live comfortably through music. Plus, Jonathon shares candid reflections on moving to LA, staying ambitious after the pandemic derailed big plans, and the lessons he's picked up along the way. Whether you're an aspiring artist or just love hearing the real stories behind the music, this episode is packed with hard-earned wisdom and the kind of authenticity you can only find on Bringin' It Backwards. Tune in, and don't forget to subscribe so you never miss an episode!