Podcasts about CDS

Books mentioned in this episode: All The White Friends I Couldn't Keep: Hope and Hard Pills to Swallow About Fighting For Black Lives by Andre HenryHow to Resist Amazon and Why by Danny CaineLibro.fmLibro.fm is an employee-owned social purpose corporation that shares profits from your audiobook purchases with your chosen bookstore, giving you the power to keep money within your local economy. It's also a great alternative to Audible, which is an audiobook platform owned by Amazon.The Lit bae Bookshop Homepagehttps://libro.fm/thelitbaebookshopBookshop.orgBookshop.org works to connect readers with independent booksellers all over the world.‍We believe local bookstores are essential community hubs that foster culture, curiosity, and a love of reading, and we're committed to helping them thrive.Every purchase on the site financially supports independent bookstores. Our platform gives independent bookstores tools to compete online and financial support to help them maintain their presence in local communities.If you would like to gift me a book from bookshop.org, here is the link: https://bookshop.org/wishlists/89c2b233c4293884fbe0b77cb955c86378c22f28I also have curated a shop on Bookshop.org of the books I enjoy: https://bookshop.org/shop/LitbaepodPango BooksPangoBooks is a social marketplace for readers to buy and sell books and connect with one another.Our app for iPhone and Android devices makes it super easy for anyone to list books for sale, and the process for shipping and getting paid is as simple as can be. It's like opening your own little bookshop.Here is a link to my Pango Books shop:https://pangobooks.com/bookstore/litbaepodLibby AppLibby is a free app where you can enjoy ebooks, digital audiobooks, and magazines from your public library. You can stream titles with Wi-Fi or mobile data, or download them for offline use and read anytime, anywhere. All you need to get started is a library card.Hooplahoopla is the digital service of Midwest Tape, a leading provider of entertainment media products and services: DVDs, CDs, audiobooks and shelf-ready solutions, to public libraries across North America for over a quarter of a century. Our purpose has always been to partner with libraries in delivering the best content to patrons in the most streamlined manner possible. Through the years, we've cultivated a growing passion for the evolving public library.hoopla Digital builds on that passion by providing public libraries of all sizes the ability to offer patrons an enormous selection of digital video (movies and TV shows), music, audiobooks, Ebooks and comics to their patrons. For these libraries, we've pioneered a unique model that allows patrons to borrow content immediately, removing artificial availability constraints and maximizing the power of digital content and Internet distribution. Technologically, we focus on the latest browser, phone, tablet, and TV products to deliver the best possible experience to our user – our passion – the public library patron.The StorygraphWe'll help you track your reading and choose your next book based on your mood and your favorite topics and themes. An excellent alternative to Good Reads, which is owned by Amazon. https://www.thestorygraph.com/

This little episode is just an appetizer of the new Christmas music of 2025 featuring the great song Hey Santa by Eggmen Road. Who are these guys? Their debut album launched in September, followed by their Christmas album which just dropped. You’re going to listen to both of those albums just by clicking through to the links below. Hey Santa – Eggmen Road Eggmen Road is a creative music project from Toneman Productions, blending heartfelt songwriting with a mix of country, rock, and contemporary holiday influences. Their focus is on original, human-written songs with production enhanced through modern tools, creating a warm and accessible holiday sound. The album features a full collection of original Christmas tracks — including Christmas Joy, Christmas Is Coming, Holiday Hustle, and List for Santa — each capturing a different side of the season, from upbeat and whimsical to heartfelt and nostalgic. Hear the Christmas Album on Spotify Press Kit Website (Visit this site for CDs, limited quantities available) – also available here Come on over the The Christmas Show of My Merry Christmas to hear all the great new music of Christmas 2025 by independent artists and lovers of Christmas.

A Mile to Ride, Dorrington Lads, Generous Fox, Bonny Lad, Welcome to Town Again, Rock and Wee Pickle Tow, Terribus, Ye Banks and Braes of Bonnie Doon, Jack Lattin 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

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Don fields a full slate of listener questions on everything from SGOV vs. high-yield savings accounts to the differences between AVUV and DFSV, why international stocks belong in a portfolio (but shouldn't dominate it), and whether equal-weighted funds solve the “Magnificent 7” concentration problem. He digs into target-date and bond-fund suitability for short-term money, clarifies what “rules-based” really means for Avantis and Dimensional, and gently deflates misconceptions about long-term international outperformance. Along the way he riffs on talk radio's decline, teases Tom's dad jokes, and reinforces the core message: diversify, know your time horizons, and don't overthink what good academic research already tells us. 0:04 Don opens Q&A Friday and reflects on radio's slow fade 2:20 SGOV vs. high-yield savings accounts for emergency cash 5:13 Why AVUV and DFSV only overlap ~40% despite similar factors 8:43 Which fund is “wilder”: AVUV vs. DFA small value 9:54 Why international stocks belong in a portfolio—but not overweighted 11:41 Long-term U.S. vs. international return history 14:51 S&P 500 concentration and equal-weight ETF considerations 18:44 Equal-weight vs. small-value tilt vs. rules-based funds 20:07 Where to put 2–3 year money: savings, CDs, BND, or a near-dated target-date fund? 23:13 Better language than “active”: rules-based vs. systematic Learn more about your ad choices. Visit megaphone.fm/adchoices

Episodio donde Pari nos platica cómo festejó su cumpleaños. Platicamos sobre la película La Hermanastra Fea, las películas equivocadamente etiquetadas como "body horror", reseña sobre Good Boy, películas de perros que Wisto no puede ver, la propuesta para Óscar al mejor manejador animal, Gremlins 3 ya tiene fecha y director, viene Godzilla Minus Zero y precuela del Conjuro, cuando películas engañan a la gente de un final y luego no es el final, tal vez He-Man será comedia y no nos gustó nada ese comentario, Pari mató rápido la reseña de Wisto sobre Gen V 2da temporada, impresiones de los primeros dos episodios de la serie de IT: Welcome to Derry, el concepto de cross-buy entre PlayStation y PC, el futuro del Gaming, Pari platica con Annie su amiga de Grok y terminamos con la evolución y la venta de CDs de música. Escúchanos: Spotify / Apple Podcasts / YouTube Apóyanos: patreon.com/holamsupernova Síguenos: Instagram/ Twitter/ TikTok @holamsupernova Merch: holamsupernova.myshopify.com

Bongo Joe est un véritable carrefour culturel et un laboratoire musical indépendant à Genève, dédié à l'exploration sonore et à la convivialité. Une sélection vaste et éclectique de vinyles, cassettes et CDs, mettant l'accent sur des découvertes mondiales, des perles rares oubliées et de l'underground, à savourer dans un espace […] The post Bongo Joe : Vinyles, café, concerts. Tout en un first appeared on Radio Vostok.

Bongo Joe est un véritable carrefour culturel et un laboratoire musical indépendant à Genève, dédié à l'exploration sonore et à la convivialité. Une sélection vaste et éclectique de vinyles, cassettes et CDs, mettant l'accent sur des découvertes mondiales, des perles rares oubliées et de l'underground, à savourer dans un espace […] The post Bongo Joe : Vinyles, café, concerts. Tout en un first appeared on Radio Vostok.

Mit mehr als drei Millionen verkauften Kassetten, Schallplatten, CDs und anderen Tonträgern gehört Reinhard Horn aus Lippstadt zu den erfolgreichsten Liedermachern bei uns im Westen. Kein Kirchentag kam ohne ihn und seine Band aus - und vor allem für seine Kinderlieder erhielt er viele - auch internationale - Auszeichnungen. Über mehr als 50 Jahre auf der Bühne erzählt er in den Sonntagsfragen. Von Gisela Steinhauer.

Enjoy an hour of Irish and Celtic folk music from today's top indie musicians. Discover new favorites and celebrate Celtic culture on the Irish & Celtic Music Podcast #734  -  -  Subscribe now! The Gothard Sisters, Nerea The Fiddler, Coastland Fair, The AML Trio, The Irish Lassies, Carroll Sisters Trio, Eddie Biggins, Cedar Dobson Music, Jeff Blaney, The Inland Seas, The Celtic Kitchen Party, The Badpiper, Phoenyx, Callán, Rebecca Gilbert & Kellswater Bridge GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items with what's happening with Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have until December 4 to vote for this episode. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 0:06 - The Gothard Sisters "Second Breakfast" from Moment in Time 3:26 - WELCOME 5:13 - Nerea The Fiddler "Let's Dance" from Off The Beatn Path 9:26 - Coastland Fair "Song Of Life" from Song Of Life  -  Single 13:06 - The AML Trio "The Home Ruler Hornpipe" from Sons Of Erin's Isle 14:42 - The Irish Lassies "Robbie Malone" from Immigration Stories 18:42 - FEEDBACK 21:32 - Carroll Sisters Trio "Fallingwater Waltz" from Radiance 25:13 - Eddie Biggins "Lazy Harry's" from Fifteen from '20 28:16 - Cedar Dobson Music "Lochaber Badger" from Decade 31:59 - Jeff Blaney "Irish in New England" from Exodus 34:54 - The Inland Seas "'39 / Whiskey Before Breakfast" from Crown of Clover 39:05 - THANKS 40:54 - The Celtic Kitchen Party "Twice As Happy Birthday Song" from Sociable! 42:36 - The Badpiper "The Sleeping Tune" from Burn 46:14 - Phoenyx "Creature of the Wood" from Keepers of the Flame 51:34 - Callán "Minstrel Boy" from Bloody Callán 55:18 - CLOSING 56:06 - Rebecca Gilbert & Kellswater Bridge "Gone" from Origin 59:45 - CREDITS Support for this program comes from Dr. Annie Lorkowski of Centennial Animal Hospital in Corona, California. Support for this program comes from International speaker, Joseph Dumond, teaching the ancient roots of the Gaelic people. Learn more about their origins at Sightedmoon.com Support for this program comes from Cascadia Cross Border Law Group, Creating Transparent Borders for more than twenty five years, serving Alaska and the world. Find out more at   www.CascadiaLawAlaska.com Support for this program comes from Hank Woodward. The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. Finally, remember. Clean energy isn't just good for the planet, it's good for your wallet. Solar and wind are now the cheapest power sources in history. But too many politicians would rather protect billionaires than help working families save on their bills. Real change starts when we stop allowing the ultra - rich to write our energy policy and run our government. Let's choose affordable, renewable power. Clean energy means lower costs, more freedom, and a planet that can actually breathe. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Pub Songs & Stories. Every song has a story, every episode is a toast to Celtic and folk songwriters. Discover the stories behind the songs from the heart of the Celtic pub scene. This podcast is for fans of all kinds of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Email follow@bestcelticmusic to learn how to subscribe to the podcast and you will get a free music - only episode. You'll also learn how to get your band played on the podcast. Bands don't need to send in music, and you will get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic ALBUM PINS ARE CHANGING THE WAY WE HEAR CELTIC MUSIC I got an email from Discmakers, my CD manufacturer, saying they were forced to raise their prices because of tariffs by our president. This is a tax on Americans. So if you love CDs, remember that the prices will go up. So please support those higher priced CDs. But there is an option for those who don't want to buy CDs and for those who want a better alternative for the environment. It's the Album Pin. Album Pins are lapel pins themed to a particular album. You get a digital download of the album. Then you can wear your album. All of my latest Album Pins are wood - burned and locally produced. This makes them better for the environment. And they are fun and fashionable. If you want to learn more about Album Pins, you can read more about them on my celtfather.Substack.com or just buy one at magerecords.com THANK YOU PATRONS OF THE PODCAST! Your support makes the Irish & Celtic Music Podcast possible, nearly every week of the year. You're not just funding a show. You're fueling a movement that shares the magic of Celtic music with thousands around the world. Your generosity covers everything from audio engineering and artwork to the Celtic Music Magazine, show promotion, and buying music from independent Celtic artists. If you're not a patron yet? You're missing out! You get ✨ Early access to episodes

Sean and Peter dive into the question of how much cash you should have in retirement and the role it plays in your overall financial security. They talk through the benefits of keeping 3–6 months of living expenses set aside and when you might need more. They also explore smart places to keep your cash, like high-yield savings accounts or CDs, versus keeping it at home.

Send us a textMulti-instrumentalist Maia Sharp has written songs for the likes of Cher, Bonnie Raitt, Trisha Yearwood, Keb' Mo', Taj Mahal and Art Garfunkel, just to name a few. Hailing from L.A., Maia is currently based in Nashville, often collaborating with many musicians and songwriters in that creative community. She also collaborates often with her dad, three-time Grammy Award winning singer/songwriter and guitarist Randy Sharp. Randy's songs have been recorded by artists including Linda Ronstadt, Delaney Bramlett, Glen Campbell, Tanya Tucker, Edgar Winter, the Dixie Chicks, Emmylou Harris, and of course, Maia. Tomboy is Maia Sharp's 10th solo album and her musical talent is on full display. In addition to her wonderful vocals and guitar, Maia, who's played saxophone for years, supplied a very cool sax solo on “Edge of the Weatherline”, one of many great tracks on the record. Stay tuned for my talk with the very talented Maia Sharp.You can find out more about Maia Sharp and also purchase music at maiasharp.comPhoto by Emma Lee. Check out her work here.Save on Certified Pre-Owned ElectronicsPlug has great prices on refurbished electronics. Up to 70% off with a 30-day money back guarantee!Euclid Records – Buy and sell records.A gigantic selection of vinyl & CDs. We're in St. Louis & New Orleans, but are loved worldwide!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Thanks for listening to Frets with DJ Fey. You can follow or subscribe for FREE at most podcast platforms.And now, Frets is available on YouTube. There are a lot of fun extras like videos and shorts and audio of all episodes. Subscribing for FREE at YouTube helps support the show tremendously, so hit that subscribe button! https://www.youtube.com/@DJFey39 You can also find information about guitarists, bands and more at the Frets with DJ Fey Facebook page. Give it a like! And – stay tuned… Contact Dave Fey at davefey@me.com or call 314-229-8033

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores how government strategies to combat inflation by adjusting interest rates impact not only investors, but also shape the attractiveness of CDs as an investment option. In a rising interest rate environment, buying CDs may seem like a good idea but it depends on your needs and goals. Wealth isn't created by buying a CD based on a rate. It's created by understanding why the rate may not be all that important. Banks look at what is known as the federal funds rate, also known as a benchmark rate. This is the rate banks charge one another to borrow money overnight that's needed to maintain reserve requirements. Upstream in the decision making process is the Federal Open Market Committee or FOMC, who meet throughout the year to discuss and set monetary policy. Within these policies, rates are set and typically linked to inflation. When those rates are set, banks may adjust rates on loans, deposits and certificates of deposit. But just like any business, banks will adjust rates to compete in their market as they seek to cover their costs and maintain a profit. CDs specifically are an attractive tool for banks, because unlike a deposit account, CDs actually lock up customers with a maturity date, which gives banks better control of their cash flow. The higher rates draw in customers seeking to maximize their returns. Rates on CDs matter, but not as much when you factor in inflation and interest rates. If inflation is at 7% and interest rates are at 5%, the net is 2%. The same is true if inflation is at 0% and interest rates are at 2%. You have to look at both numbers to get a full picture. When you consider the gridlock within the housing market and the amount of debt our government holds, it's hard to believe rates can remain elevated over the long term. The government is desperately trying to combat inflation by raising rates. These higher rates not only impact consumers, but they also impact the government. According to the Congressional Budget Office, or CBO, in June of 2023, they projected that annual net interest costs on the federal debt would total $663 billion in 2023 and almost double over the next decade. Interest payments would total around $71 trillion over the next 30 years, taking up to 35% of all federal revenue by 2053. These numbers are impacted by interest rates and with lower rates come lower interest payments, so the government has reasons to see rates lower than they currently are. The question is: Does it make sense to lock in CD rates while rates are high? It depends. If you have money sitting in a bank account that you don't need and the CD rate is offering a higher rate than your savings, then it might be a good option. A good idea is to compare CD rates to other options like fixed annuities and money markets since they share some similarities but also have a few key differences that could make one choice better for your situation. Certificates of Deposit are offered by banks as a savings account that offers a fixed interest rate over a specified period of time, ranging from one month up to five years. They carry penalties if funds are removed before maturity, and they're FDIC insured up to $250,000. Fixed Rate annuities are issued by insurance companies and are financial products that offer a fixed interest rate over a specified period of time. Early withdrawals can incur a penalty, and interest earnings are tax deferred until you start taking distributions. The guarantees are backed by the claims paying ability of the insurance company and are insured by what is known as the State Guarantee Association. Money markets are funds issued by financial institutions that are backed by highly liquid short maturity investments. Maturities usually range from overnight to just under a year, and assets can be quickly converted to cash with minimal loss of value. They are generally considered more risky than a bank, CD or insurance company annuity, and the underlying investments include such things as treasury bills, commercial paper and CDs. While CDs offer the safety of fixed returns, they are not devoid of risks and limitations. It's essential to understand both the micro and macro economic factors that affect CD rates before diving in.      Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja "What to Know About How Banks Work" The State Guaranty Association   References for this episode: https://www.pbs.org/newshour/economy/americans-faith-in-banks-hit-low-after-failures-says-ap-norc-poll https://www.federalreserve.gov/monetarypolicy/reservereq.htm https://fortune.com/recommends/banking/will-cd-rates-go-up https://www.usbank.com/investing/financial-perspectives/market-news/federal-reserve-tapering-asset-purchases.html https://www.pgpf.org/analysis/2023/07/higher-interest-rates-will-raise-interest-costs-on-the-national-debt   Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.

Viva Sounds is one of the most exciting events happening in Europe, equally welcoming regardless of your genre preferences or depth of knowledge. Are you more into more metal stuff and you know zero bands on the bill? That's fine, I can guarantee you'll have a great time and come back with a bunch of new favourites. You an open-minded indie explorer and a lot of these bands are already familiar? That's great too, this time you might be able to watch them play on a boat, or a tram, or a tiny cafe, or between racks of CDs in a record store. You a bit tired of live music? Come anyway, and stay for the conferences where likeminded industry veterans will maybe offer you a new perspective on stuff and you might end the weekend holding up beers watching a new band at the Pustervik. But don't take it just from us. We got on a call with Gustav Påhlsson and Mattias Tell, the two main guys behind it all, who told us all about not only this edition, but all of the secrets that happen behind the scenes at an event like this. And by “like this”, we mean a company of two people dealing with 90 bands spread over seventeen stages in three days.

With a large inheritance sitting in CDs, should we leave the money as is or start investing it? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 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

In this week's episode, hosts Ryan Baxter and Mark Ambrogio interview Meghan Voll, a PhD candidate in Media Studies here at Western University. GradCast listeners will recognize Meghan's voice, as Meghan served as a long-time host and Social Media Manager for this show.  This is Meghan's second time with us as a guest, as she approaches the conclusion of her doctorate, for those interested, Meghan's first episode, as a guest, can be heard here. Meghan studies the interaction between economic value and values on mobile dating platforms such as Tinder, Hinge, and Coffee Meets Bagel, drawing from the political economy of communication, mobile dating studies (MDS) and critical data studies (CDS). Ryan and Mark engage with Meghan on these ideas, asking about the intersection between so-called "soft values" (such as honesty and loyalty) and economic value ($). They also ask Meghan about her field research, interviewing human subjects, and the steps involved in obtaining ethics approval. Recorded on Tuesday, November 5, 2025 Produced by Mark Ambrogio and Kelly Wang Theme song provided by FreeBeats.io (Produced by WhiteHot)

Collectors Edition - 583 Collecting Vinyl, cassettes, CDs and more  See you out there! Mike ------- MXPX is coming and bringing the Ataris -  NOV -Thursday NOV 13 -Louisville, KY at Mercury Ballroom -Friday NOV 14 - STL, MO at The Pageant -Saturday NOV 15 - Fayetteville, AR at Ozark Music Hall -Sunday NOV 16 - Oklahoma City, OK at Tower Theatre DEC -Saturday December 6 - Pheonix, AZ at Punk Rock Christmas w/ Face to Face, The Vandals, Authority Zero, Voodoo Glow Skulls, Slick Shoes, Urethane, Jen Pop and Winterhaven 2026 JAN with The Suicide Machines -Friday January 9 - Vancouver, BC Commodore Ballroom -Saturday January 10 - Seattle, WA at the Showbox SOLD OUT!!!!! -Friday January 23 - Santa Cruz, CA at the Catalyst -Saturday January 24 - San Francisco,CA at the Fillmore MAR -Thursday March 26 - Washington DC at 9:30 Club -Friday March 27 - Norfolk, VA at The Norva -Saturday March 28 - Charlotte, NC at The Fillmore -Sunday March 29 - Charleston, SC at Charleston Music Hall   https://linktr.ee/Mikeherrerapodcast   Leave a voicemail- 360-830-6660 --------------------- Check out the new MxPx album 'Find A Way Home' at MxPx.com and streaming everywhere now! Listen or watch "Linoleum" here MXPX - Self Titled Deluxe Edition  I now have an Artist Series Music Man Stingray from Ernie Ball! You can order straight from the shop on the Music Man website.  A portion of proceeds goes to MusicCares! MIKE HERRERA SIGNATURE SERIES BASS If you like the podcast- Subscribe, rate and review on Apple. Support what I do at MXPX.com and also add MXPX and Mike Herrera to your music libraries on whatever streaming platfrom you use. Producing and editing by Bob McKnight. @Producer_Bob

In today's episode, I'm speaking with fantasy author and podcaster Richie Billing about his novel, Together We Rise. We had a great conversation about writing, the creative process, fantasy worlds, and even the use of generative AI in music.  Together We Rise is a multilayered story of a revolution that takes place in a fantasy world - maybe the equivalent of something that might have occurred in the 1700s in Europe - there are some factories and all the issues that go with those, but science and other aspects of technology are still in a more medieval age.  The story is told from multiple different characters, each with a small role to play in how the revolution takes place, and sometimes the characters overlap, allowing you to see them from fresh eyes, since each chapter is essentially a different point of view.  Together We Rise wastes no time getting you in the thick of the action!  Richie also used the AI tool Udio to create a theme for each character which you can listen to at the start of each chapter while reading that sets the tone for the pages ahead.  You can find all the tracks here on Soundcloud and Youtube. If you are a writer yourself, please check out Richie's podcast, The Fantasy Writer's Toolshed, which has a wealth of information to help you get started, stay inspired, and fine tune your craft!Learn more about Richie's work on:-Patreon-Facebook-Instagram-Buy Together We Rise on Amazon and other booksellers.Thanks, Richie, for being a guest on the show, and 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!https://13thhr.wordpress.com/2025/11/10/the-thirteenth-hour-podcast-535-welcome-richie-billing-author-of-together-we-rise-to-the-show/

Inflation is quietly eroding the value of trillions sitting in savings accounts, money markets, and CDs. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack what it really means to make your cash "work." They break down:

Inflation is quietly eroding the value of trillions sitting in savings accounts, money markets, and CDs. In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, unpack what it really means to make your cash "work." They break down:

In this episode, we discuss recordings of “Venite, exultemus: Campra & Bernier” (Ricecar) by Romain Bockler, Concerto Soave & Jean-Marc Aymes, “Martinu Violin Concertos 1 & 2, Stravinsky Divertimento” (Supraphon) by Josef Spacek & the Prague Radio Symphony Orchestra / Petr Popelka, “Found Objects / Sound Objects” (Hyperion) by Marc-André Hamelin, “Straytrane” (TengTones) by Johan Hörlén, Bengt Stark, Christian Spering & Billy Test, “Introducing” (Cellar Music) by David Sneider, and “A Breath of Fresh Air” (Taylor Christian Records) by Sean Mason.   The Adult Music Podcast is featured in: Feedspot's 100 Best Jazz Podcasts   Episode 234 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.   “Venite, exultemus: Campra & Bernier” (Ricecar) Romain Bockler, Concerto Soave, Jean-Marc Aymes https://open.spotify.com/album/5X9b9UgjBp6Zju4gIp6Ga8 https://music.apple.com/us/album/venite-exultemus-campra-bernier/1836057439 https://music.amazon.com/albums/B0FNWZ26QL   “Martinu Violin Concertos 1 & 2, Stravinsky Divertimento” (Supraphon) Josef Spacek, Prague Radio Symphony Orchestra / Petr Popelka https://open.spotify.com/album/0SKhKsHvwcPZ4OYMtzGRuK https://music.apple.com/us/album/martinů-violin-concertos-1-2-stravinsky-divertimento/1846791139 https://music.amazon.com/albums/B0FTGJLNHZ   “Found Objects / Sound Objects” (Hyperion) Marc-André Hamelin https://open.spotify.com/album/2dGt6QoBUsh75ShmyWOERe https://music.apple.com/us/album/found-objects-sound-objects/1828259285 https://music.amazon.com/albums/B0FJHYS4SJ   “Straytrane” (TengTones) Johan Hörlén, Bengt Stark, Christian Spering, Billy Test https://open.spotify.com/album/1v37sx3nTQZt7gDvK0FsJ2 https://music.apple.com/us/album/straytrane/1844443811 https://music.amazon.com/albums/B0FTZZBSYY   “Introducing” (Cellar Music) David Sneider https://open.spotify.com/album/1xTQVebngY9P4xXnqRFhAG https://music.apple.com/us/album/introducing/1829803680 https://music.amazon.com/albums/B0FKD1YPDK   “A Breath of Fresh Air” (Taylor Christian Records)  Sean Mason https://open.spotify.com/album/6mS8l8ZNHCu2CWerK3iBt7 https://music.apple.com/us/album/a-breath-of-fresh-air/1836167990 https://music.amazon.com/albums/B0FP2V4FH2

This song evokes praise with all our heart, soul and body ~ with all of creation, with all instruments, with all aspects of who we are. Indeed, praise includes what brings us pleasure, joy and delight ~ something we don't often sing about in hymns, and yet which are such an important aspect of living as fully and vibrantly as God intends. Set to the Scottish tune with Irish words, this paraphrase maintains some of the original language in the refrain of the song ‘Happy are We All Together.'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 May We RiseFind 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

In Episode 45 of The Choral Director's Toolbox, host Dr. William Baker offers timeless insights in Considerations for Handel's Messiah, drawing from decades of conducting experience. From editions and orchestration to soloist selection and performance practice, Dr. Baker shares practical wisdom for achieving clarity, authenticity, and joy in this beloved oratorio. This week's listener question asks whether producing CDs still makes sense in a streaming world—leading to a discussion on the lasting value of recordings as both art and promotion. Today's inspiration is Alice Parker's heartfelt setting of O Thou in Whose Presence, performed by The William Baker Festival Singers in Helzberg Hall. Join us for an episode rich with historical perspective, practical artistry, and love for the choral tradition.

In a world in crisis, we're not listening to each other, not listening to the larger world in which we live. Yet listening is key to solving the very crises humanity faces. >>> LISTEN NOW! @ www.ConsciousSHIFTNow.comREGISTER at www.ConsciousSHIFTShow.com(IT'S FREE)[Receive Show Details + Access to GIFT > Genius Guide + Audio] Julie Ann explores with her ConsciousSHIFT Show guest Dr. Mike Edwards, global climate change adviser, author of Soundscapes of Life, & world-class didgeridoo player, how listening to the "soundscapes" of life can help us restore peace in a turbulent world. Soundscapes encompass the auditory frequencies of the human and more-than-human natural worlds that surround us, influence us, and impact us internally and externally.Mike is Chief Listening Officer (CLO) at Sound Matters and co-founder of Innerdigenous, a movement dedicated to helping people reconnect with themselves and nature for personal and planetary healing. He holds a PhD in the links between climate change and human security. Mike has over 25 years' experience as a sustainability consultant and climate change advisor. He was appointed global Climate Change Advisor to The Elders Foundation, where he provided expert advice to the likes of UN SEC GENERAL Kofi Annan and President Jimmy Carter. His career began with research on climate change in the Southwest Pacific. His early work was cited by the Intergovernmental Panel on Climate Change (IPCC) and explored "ecocolonialism," or how powerful interests manipulate climate discourse. He lived in Australia for 11 years while he completed his PhD, where he also learned how to play the didgeridoo - a hollow tube of eucalyptus that produces mesmerizing earthy tones and natural rhythms. Mike is also a musician and is considered one of the world's most accomplished didgeridoo players having performed at festivals around the world and released four CDs to international acclaim. Since completing his PhD, Mike has dedicated himself to music and teaching. Over the past 17 years, he also has roamed the world playing didgeridoo and teaching people why it is crucial to love nature. Now lives & teaches in the UK. His new book, ‘Soundscapes of Life', which explores a new theory and practice of listening - Integral Listening (IL) - is due for publication in 2025. Join Julie Ann and Mike to discover how sound shapes our understanding of place and presence, and how deep listening to each other and the world around us just might save the very world we live in.

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.

Get ready for a musical adventure across the Celtic world. From wild reels to heartfelt ballads, these artists capture the spirit of the isles. Celebrate Celtic music and culture before IrishFest Atlanta on the Irish & Celtic Music Podcast #733 - - Subscribe now! Blame Not The Bard, The Gothard Sisters, Jesse Ferguson, Eloise & Co., The Far North, Ritchie Remo, The Bookends, Ainsley Hamill, Nerea The Fiddler, Amelia Hogan, Reilly, Drumspyder, George Murphy and The Rising Sons, Kim Carnie, The Irish Lassies GET CELTIC MUSIC NEWS IN YOUR INBOX The Celtic Music Magazine is a quick and easy way to plug yourself into more great Celtic culture. Enjoy seven weekly news items with what's happening with Celtic music and culture online. Subscribe now and get 34 Celtic MP3s for Free. VOTE IN THE CELTIC TOP 20 FOR 2025 This is our way of finding the best songs and artists each year. You can vote for as many songs and tunes that inspire you in each episode. Your vote helps me create this year's Best Celtic music of 2025 episode. You have until December 4 to vote for this episode. Vote Now! You can follow our playlist on YouTube to listen to those top voted tracks as they are added every 2 - 3 weeks. THIS WEEK IN CELTIC MUSIC 0:09 - Blame Not The Bard "Slide In The Sky / The Ocean Breeze / Until The Sun Rises" from Slide In The Sky / The Ocean Breeze / Until The Sun Rises (Single) 3:51 - WELCOME 6:50 - The Gothard Sisters "Adventurer" from Moment in Time 9:59 - Jesse Ferguson "Scots Who Have with Wallace Bled" from Ten 12:09 - Eloise & Co. "Avant - deux de Vitteaux/Queen's Bath" from avec Elodie 15:57 - Olivia Bradley "Amhrán Na bhFiann" from Amhrán Na bhFiann 17:05 - The Far North "Hummingbird" from Songs For Weathering Storms 20:18 - FEEDBACK 24:50 - Ritchie Remo "Hills Of Connemara" from Hills of Connemara Single 27:54 - The Bookends "The Old Grove" from A Celtic Celebration 31:04 - Ainsley Hamill "Cumha an Eich - Uisge" from FABLE 34:06 - Nerea The Fiddler "The Return" from Off The Beaten Path 38:25 - Amelia Hogan "Snow Hare" from Burnished 41:24 - THANKS 43:16 - Reilly "Black Velvet Band" from Durty Pool 47:01 - Drumspyder "Paddy on the Erie / The Toormore" from Oak and Ash 51:04 - George Murphy and The Rising Sons "Something Out of Nothing" from Something Out of Nothing 55:48 - Kim Carnie "Oran na Beiste Maoile" from A' Chailleach Òran: "OH - ran" (the "ò" is a long 'o' sound) na: "na" (the "a" is a schwa or unstressed 'a' sound) Bèiste: "BEYSH - tya" (a softer, palatalized 's' sound, followed by "tya" rather than a hard 't' sound) Maoile: "MWAH - lee" (the "aoi" combination makes a sound similar to "oo - ee" but with more of an "ah - ee" diphthong) 59:09 - CLOSING 1:00:08 - The Irish Lassies "Redwood Shepherd" from Immigration Stories 1:03:35 - CREDITS Support for this program comes from Hank Woodward. Support for this program comes from Dr. Annie Lorkowski of Centennial Animal Hospital in Corona, California. Support for this program comes from International speaker, Joseph Dumond, teaching the ancient roots of the Gaelic people. Learn more about their origins at Sightedmoon.com Support for this program comes from Cascadia Cross Border Law Group, Creating Transparent Borders for more than twenty five years, serving Alaska and the world. Find out more at www.CascadiaLawAlaska.com The Irish & Celtic Music Podcast was produced by Marc Gunn, The Celtfather and our Patrons on Patreon. The show was edited by Mitchell Petersen with Graphics by Miranda Nelson Designs. Visit our website to follow the show. You'll find links to all of the artists played in this episode. Todd Wiley is the editor of the Celtic Music Magazine. Subscribe to get 34 Celtic MP3s for Free. Plus, you'll get 7 weekly news items about what's happening with Celtic music and culture online. Best of all, you will connect with your Celtic heritage. Please tell one friend about this podcast. Word of mouth is the absolute best way to support any creative endeavor. Finally, remember. Clean energy isn't just good for the planet, it's good for your wallet. Solar and wind are now the cheapest power sources in history. But too many politicians would rather protect billionaires than help working families save on their bills. Real change starts when we stop allowing the ultra - rich to write our energy policy and run our government. Let's choose affordable, renewable power. Clean energy means lower costs, more freedom, and a planet that can actually breathe. Promote Celtic culture through music at http://celticmusicpodcast.com/. WELCOME THE IRISH & CELTIC MUSIC PODCAST * Helping you celebrate Celtic culture through music. I am Marc Gunn. I'm a Celtic musician and also host of Pub Songs & Stories. Every song has a story, every episode is a toast to Celtic and folk songwriters. Discover the stories behind the songs from the heart of the Celtic pub scene. This podcast is for fans of all kinds of Celtic music. We are here to build a diverse Celtic community and help the incredible artists who so generously share their music with you. If you hear music you love, please email artists to let them know you heard them on the Irish and Celtic Music Podcast. Musicians depend on your generosity to release new music. So please find a way to support them. Buy a CD, Album Pin, Shirt, Digital Download, or join their community on Patreon. You can find a link to all of the artists in the shownotes, along with show times, when you visit our website at celticmusicpodcast.com. Email follow@bestcelticmusic to learn how to subscribe to the podcast and you will get a free music - only episode. You'll also learn how to get your band played on the podcast. Bands don't need to send in music, and you will get a free eBook called Celtic Musicians Guide to Digital Music. It's 100% free. Again email follow@bestcelticmusic ALBUM PINS ARE CHANGING THE WAY WE HEAR CELTIC MUSIC I got an email from Discmakers, my CD manufacturer, saying they were forced to raise their prices because of tariffs by our president. This is a tax on Americans. So if you love CDs, remember that the prices will go up. So please support those higher priced CDs. But there is an option for those who don't want to buy CDs and for those who want a better alternative for the environment. It's the Album Pin. Album Pins are lapel pins themed to a particular album. You get a digital download of the album. Then you can wear your album. All of my latest Album Pins are wood - burned and locally produced. This makes them better for the environment. And they are fun and fashionable. If you want to learn more about Album Pins, you can read more about them on my celtfather.Substack.com or just buy one at magerecords.com IRISHFEST ATLANTA Join us at IrishFest Atlanta on Nov 7 - 9, 2025. You'll enjoy exclusive concerts with Open the Door For Three with Special Guest dancer Kevin Doyle on Friday and Teada on Saturday night. Plus enjoy music from Kathleen Donohoe, O'Brian's Bards, Olivia Bradley, Roundabouts, The Kinnegans, The Muckers, Irish Brothers, Celtic Brew, Station 1 2 3 and special set from Inara and Marc Gunn. There are music and dance workshops, Irish cooking competitions, IrishTea, Irish Films, and of course, LOTS of Irish dancing. Celebrate your Irish heritage at IrishFest Atlanta in November. Bring a friend! Learn more at IrishFestAtlanta.com THANK YOU PATRONS OF THE PODCAST! Your support makes the Irish & Celtic Music Podcast possible, nearly every week of the year. You're not just funding a show. You're fueling a movement that shares the magic of Celtic music with thousands around the world. Your generosity covers everything from audio engineering and artwork to the Celtic Music Magazine, show promotion, and buying music from independent Celtic artists. If you're not a patron yet? You're missing out! You get ✨ Early access to episodes

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Dive into Segment on Notorious Mass Effect with Analytic Dreamz as he unpacks Joji's highly anticipated fourth studio album, Piss In The Wind, dropping February 6, 2026 via Palace Creek and Virgin Music Group. Announced November 4, 2025, this 21-track, ~2-hour project fuses melancholic lo-fi roots with experimental R&B, trap, and hyperpop edges. Lead single “PIXELATED KISSES” (Oct 14) hit #38 Billboard Hot 100 with tens of millions of streams, while “If It Only Gets Better” (Nov 4) channels YEAH RIGHT-era visuals. Star features include Yeat's trap energy, Don Toliver's melodic flow, GIVĒON's baritone depth, and 4batz's hazy R&B. Producers BNYX®, Kenny Beats, and Dylan Brady craft gritty, atmospheric soundscapes blending Nectar lushness with SMITHEREENS isolation. Pre-order limited prism/ruby vinyl, CDs, cassettes, and signed merch at jojimusic.com. Early buzz on Reddit, X (#PissInTheWind trending), Billboard, and NME hails Joji's creative rebirth. Analytic Dreamz breaks down track teases, Genius leaks, and fan theories—don't miss this deep dive into Joji's bold evolution. Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In part one of this latest episode on Vinyl Community Podcasts, host David Bianco from the Safe & Sound Texas Audio Excursion YouTube channel sits down for a unique and insightful conversation with Don MacInnis, owner of the legendary vinyl pressing plant Record Technology Incorporated (RTI). For decades, RTI has been considered one of the gold standards in audiophile-grade vinyl manufacturing, producing records for labels like Mobile Fidelity Sound Lab, Blue Note, Analogue Productions, and countless independent artists who are committed to exceptional sound. What started as a three-day temp agency assignment in 1983, leading to Don and his wife purchasing the company from founder Bill Bauer in March 1992, has culminated in a life spent crafting and honing some of the signature sounds in your very record collection.  David and Don dive deep into the craft of vinyl production—from the technical challenges of plating and pressing to the everyday decisions that determine whether a record becomes a treasured listening experience or one that misses the mark. Don shares stories from the early days of RTI, including how the company grew during the original heyday of vinyl, weathered the rise of CDs, and ultimately found renewed purpose during the modern vinyl resurgence. David's thoughtful questions and genuine passion for analog sound make this conversation both accessible and deeply educational. Whether you're a seasoned vinyl enthusiast, a newcomer curious about what makes audiophile pressings special, or simply fascinated by the intersection of art and manufacturing, this episode provides a rich and engaging look at one of the most respected names in the industry. A must-listen for anyone who believes music should be felt as much as heard.

Episode Description:In this heartfelt continuation of The Chronicles of the Mystery Girl, Coach Bryan takes listeners back to the late 1990s — a time of change, challenge, and youthful discovery. Picking up where Act One left off, he revisits the moment that first encounter with the mysterious young woman changed everything. But as the memories unfold, life continues to move — from his family's struggles and small victories to the soundtracks that defined a generation.Journey with Coach Bryan through the ups and downs of adolescence: from gospel CDs that brought comfort during tough times, to road trips with friends, and the excitement of summer youth camp. Along the way, a new spark ignites when a chance seatmate on the bus—Girl B—turns an ordinary trip into an unforgettable story of connection, innocence, and first love.But even as new emotions stir, the thought of the mystery girl refuses to fade. As Act Two closes, a question lingers: will she return once more, this time in Zanesville?

Puedes hacer una aportación en este enlace ⁠⁠⁠⁠⁠⁠https://ko-fi.com/lasalmasdespiertas⁠⁠⁠⁠⁠⁠ Gracias. ☕

Morning thunderstorm recorded inside a Buick — this falls into our annual and hopefully distracting series for Election Days or any other news you're trying to avoid. Checkout last year and the year before for more.And every year I also force the theme of “October Rain” — harkening to Use Your Illusion I, the yellow cover. In 1991 I asked Santa Claus for Use Your Illusion II, the blue cover. Which I wrote clearly on the wishlist my parents handed me in early December — we knew Santa wasn't real but our youngest was still in the dark on that. On the wishlist I wrote “Guns N' Roses, Use Your Illusion, ‘blue cover.' And underlined blue a bunch of times to be sure. I wanted the mayhem of “You Could Be Mine” to power me through January in military school.We were still in the age of the longbox format, the early 90s. A time when the mall music store clerks were still very serious and important people. And I'm not talking the drifter *** record store employee cliches I could heap upon you like a Flintstone rib. Yes let's the envision vinyl salesperson still holding on to the seventies cursing this modern capalistic nightmare over a spinning plate — and they would be smoking Acapulco Gold and spinning The Raincoats, thumbing their hair behind their ears. I got news for you hippy, wait until 2025… where y'all are sorta experiencing a rebirth of popularity for your product, so never mind. Mall music stores in the 80s and early 90s felt important, before the Applebees enshittification of modern franchise decor — throw a bunch of **** on the walls with red lights everywhere and call it a day. For me Applebees franchise decor peaked in the late 90s with a restaurant called Bugaboo Creek who programmed the enshitifcation on the walls to talk at patrons. And yet it still endures…).The music stores of yore were sterile white and felt like a NoMad dispensary. Clerks dressed in company outfits, black pants and some muted coral shirt with collar. Something an HR department screw might wear while laboring on the Island of Dr Moreau. The CDs popped out of slots in the walls in long cardboard boxes with beautiful artwork matching the cover of whichever album — the wasteful yet coveted longbox format era… ( I so want to pay too much money for the Paula Abdul Shut Up and Dance longbox, it's gorgeous). Anyway, Santa Claus brought me the yellow cover, Use Your Illusion I — ********… In the end I think Use your Illusion I is the superior Use Your Illusion so maybe the figment was doing me a favor. Ok, so after writing all of the above I realized the name of the song is “November Rain;” still Use Your Illusion I, yellow cover. And I know what you're thinking — why didn't I clean up the “October Rain” bit and just start as “Every year I force the theme to fit ‘November Rain…?'” This is a bit, isn't it? I've triggered the part of your brain that wants to compose a “well actually” email. And for what? A long jaunt across vintage music stores and a ***** talking deer on the wall? Look, something tells me you need to be reading this, you need a few extra paragraphs that aren't hosted by some stiff in a suit staring at you from a faraway TV studio. Or posts authored by ****** Ms. Johnson. The neighbor you friended on Facebook because she insisted, and now your feed is full of her bad advice and weird AI cats. And truth be told I realized my error after finishing my episode cover design and I didn't feel like redoing it.

In this episode of Prisoners of Rock and Roll, we're reliving the one hit wonders of the 1990s. This was a defining decade for us because it's when we graduated high school and college, and we spent a lot of it slinging CDs in a record store, back when your local mall had record stores. Music was literally in the background all the time, whether we were watching MTV, sitting in our rooms rocking out, cranking it up while driving our first cars, or helping customers find the cassette single of Macarena or Zoot Suit Riot.  We put together a playlist of over 135 one hit wonders from the 90s. There's no way we'll get to them all, but we've got alternative rock from Blind Melon, Blur, the Flys, Local H, Ben Folds Five, Dishwalla, and more. The two single greatest hip hop songs of all time in the Humpty Dance and Baby Got Back. Singer songwriters like Eagle Eye Cherry, Duncan Sheik, and Jill Sobule.  Nu metal, dance music, and all of that weird, quirky stuff like swing music, Right Said Fred, Haddaway, and more.  We're going to talk about songs you haven't thought of in years and some you wish you never heard again. All you Gen Xers are gonna want to pay attention to this one. Let's hit it! Episode Playlist Check out our episode playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠ere⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get In Touch Check us out⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or drops us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠show@prisonersofrockandroll.com⁠⁠⁠⁠⁠⁠⁠⁠⁠. Or if you're in Philadelphia, come visit our home base at⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠McCusker's Tavern⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Prisoners of Rock and Roll is part of⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Pantheon Media⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We're sponsored by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Boldfoot Socks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Prisoners of Rock and Roll, we're reliving the one hit wonders of the 1990s. This was a defining decade for us because it's when we graduated high school and college, and we spent a lot of it slinging CDs in a record store, back when your local mall had record stores. Music was literally in the background all the time, whether we were watching MTV, sitting in our rooms rocking out, cranking it up while driving our first cars, or helping customers find the cassette single of Macarena or Zoot Suit Riot.  We put together a playlist of over 135 one hit wonders from the 90s. There's no way we'll get to them all, but we've got alternative rock from Blind Melon, Blur, the Flys, Local H, Ben Folds Five, Dishwalla, and more. The two single greatest hip hop songs of all time in the Humpty Dance and Baby Got Back. Singer songwriters like Eagle Eye Cherry, Duncan Sheik, and Jill Sobule.  Nu metal, dance music, and all of that weird, quirky stuff like swing music, Right Said Fred, Haddaway, and more.  We're going to talk about songs you haven't thought of in years and some you wish you never heard again. All you Gen Xers are gonna want to pay attention to this one. Let's hit it! Episode Playlist Check out our episode playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠ere⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get In Touch Check us out⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or drops us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠show@prisonersofrockandroll.com⁠⁠⁠⁠⁠⁠⁠⁠⁠. Or if you're in Philadelphia, come visit our home base at⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠McCusker's Tavern⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Prisoners of Rock and Roll is part of⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Pantheon Media⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We're sponsored by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Boldfoot Socks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode, I'm continuing what I started last week, working out "The Unicorn Theme" by Tangerine Dream from the Legend soundtrack. I worked out some of the basic notes last week, and this week I'm adding more as well as the left hand chords.  Though not recorded in the podcast, while I was wrapping up the mixing of what I'd done, I remembered one of the other verses I'd forgotten.  I did most of this in Bandlab, the DAW I've been working to learn this past fall.  This ended up a great project to showcase the strength of a tool like this since I didn't need to rehearse the piece over and over until I could play it mistake-free like before.  I could play and record little segments, one at a time, and essentially save my progress as I was going along.   I may add to it in the coming weeks as I work out other parts of the theme, but I am pretty happy with what I managed to cobble together so far!  This theme was definitely one of the influences behind the sound I was trying to create when making The Thirteenth Hour soundtrack, so it's actually long overdue that I finally try to figure out how to play it.  I'm actually not sure why I didn't try before!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!https://13thhr.wordpress.com/2025/11/03/the-thirteenth-hour-podcast-534-musical-interlude-trying-to-figure-out-music-from-legend-1985-part-2/

«I never knew my killer would be coming from within»: Rückblickend liest sich die Songzeile aus Florence + The Machines Song «King» wie eine dunkle Prophezeiung, denn ein Jahr nach der Veröffentlichung wird Florence Welch eine Fehlgeburt fast das Leben kosten. 2023 hing das Leben der britischen Sängerin Florence Welch am seidenen Faden. In der Schwebe zwischen Leben und Tod kam sie der Transzendenz näher und nach der körperlichen Genesung begann sie, sich mit mittelalterlicher Magie und Mystik auseinanderzusetzen. Wie jedes Florence + The Machine Album ist auch «Everybody Scream» eine grosse Recherchearbeit geworden. Britische und irische Folklore, altertümliche Bräuche und vergessene Zaubereien inspirierten Florence Welch. In Zusammenarbeit mit dem Idles-Gitarristen Mark Bowen verarbeitete sie das Recherchierte zu emotionalen und - immer wieder durchaus witzigen - Hymnen. «Everybody Scream» von Florence + The Machine ist diese Woche Sounds! Album der Woche und wir verlosen täglich Vinyl und CDs.

In this epsisode, we discuss recordings of “Dowland, Purcell: Songs of Passion” (Erato) by Thomas Dunford, Lea Desandre, Jupiter Vocal Ensemble & Jupiter Instrumental Ensemble, “Spanish Piano Quartets” (MarchVivo) by Josu de Solaun & Trio Lirico, “Anna Clyne: Abstractions” (Naxos) by the Baltimore Symphony Orchestra / Marin Alsop, “New Outlook” (Origin) by Affinity Trio, “Peace Vibes” (OA2 Records) by Ted Piltzecker, and “In the Groove: Live at the Alluvion” (OA2) by Anthony Stanco.   The Adult Music Podcast is featured in: Feedspot's 100 Best Jazz Podcasts   Episode 233 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.   “Dowland, Purcell: Songs of Passion” (Erato) Thomas Dunford, Lea Desandre, Jupiter Vocal Ensemble, Jupiter Instrumental Ensemble https://open.spotify.com/album/62WLK8APQ1EUR3wDik4nhE https://music.apple.com/us/album/songs-of-passion/1823746213 https://music.amazon.com/albums/B0FG4HVDBP   “Spanish Piano Quartets” (MarchVivo) Josu de Solaun, Trio Lirico https://open.spotify.com/album/4ZtwnW9jnhjquEQjkQeryd https://music.apple.com/us/album/spanish-piano-quartets-live-at-the-fundación-juan-march/1825758215 https://music.amazon.com/albums/B0FH5BZS61   “Anna Clyne: Abstractions” (Naxos) Baltimore Symphony Orchestra / Marin Alsop https://open.spotify.com/album/0kFa53mrRfEp4qAaesyynI https://music.apple.com/us/album/anna-clyne-abstractions/1820095182 https://music.amazon.com/albums/B0FCHQGGJ5   “New Outlook” (Origin)  Affinity Trio, Eric Jacobson https://open.spotify.com/album/6lhUbkRZQbk93E8rqane5J https://music.apple.com/us/album/new-outlook/1841929457 https://music.amazon.com/albums/B0FSCP685Q   “Peace Vibes” (OA2 Records) Ted Piltzecker https://open.spotify.com/album/02D1T2eC9SUPEeGWzI2rS0 https://music.apple.com/us/album/peace-vibes/1841930521 https://music.amazon.com/albums/B0FSCQJWWL   “In the Groove: Live at the Alluvion” (OA2) Anthony Stanco https://open.spotify.com/album/1eTkEAn2waOoKYJTjGkRyi https://music.apple.com/us/album/in-the-groove-live-at-the-alluvion/1841931160 https://music.amazon.com/albums/B0FSCSVSY6

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.

A sacred plant, a living coastline, and a cello that sings in two voices—Sweetgrass brings them together with uncommon clarity. The Cello Sherpa Podcast Host, Joel Dallow, sits down with composer Dawn Avery and cellist Wilhelmina Smith to share how a pandemic idea turned into an immersive album where Mohawk language, indigenous song forms, and contemporary classical textures breathe the same air. Dawn traces her journey from conservatory training to a compositional practice grounded in Mohawk heritage, storytelling, and soundscapes that fold in blues, meditative space, and rock energy. Wilhelmina reflects on early breakthroughs at Curtis, a life-shaping stint in George Crumb's experimental lab, and the chamber instincts that make her a natural collaborator. Together they unpack the title track's symbolism—sweetgrass as strength and tenderness—and the craft behind multitracking cello lines that anticipate each other's rubato, merging voice and instrument into a single, human pulse. We go inside key works, including We Enter Together and Decolonization, a gripping solo journey that threads a healing song, a women's stomp dance, blues gestures, and a Hendrix-tinted national anthem to reframe what “American music” can hold. The conversation widens into a practical guide for making records today: funding with grants and community programs, choosing the right hall and producer, navigating label partnerships, owning your masters, and prioritizing digital releases when physical CDs gather dust. At heart, this is about why artists still record: to plant repertoire for younger players, to carry culture forward with respect, and to keep curiosity at the center of the craft. If you care about new music, indigenous voices, recording workflows, or the evolving music industry, this story offers both inspiration and a roadmap. Subscribe, share with a friend who loves the cello, and leave a review with the track that stayed with you.For more information on Wilhelmina Smith: https://www.wilhelminasmith.com/bio.htmlFor more information on Dawn Avery: https://www.dawnavery.com/You can also find Wilhelmina and Dawn on Instagram and Facebook: @dawnaveryartist @wscelloIf you are looking for in person/virtual cello lessons, or orchestral repertoire audition coachings, check out www.theCelloSherpa.comFollow us on Facebook, Instagram, Threads & YouTube: @theCelloSherpaFor more information on our sponsor: www.CLEAResources.com 

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

Today's Beer:PB&J Mixtape: Grape - Xul Beer CompanyTime Killer and Vein Filler:SPOOKY SCARY SKELETONS SENT SHIVERS DOWN MY SPINEMain Discussion:The hosts mix it up with some mix tapes until they got mixed up on which tapes or CDs really mixed up their world.Socials:@bottledandcannedpod: TikTok, Twitch, Insta, YouTubeEmail:bottledandcannedpod@gmail.com

____________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

Hope and OpportunityBa mhaith liom mo chomhghairdeas a ghabháil le Catherine Connolly agus a foireann. Maith sibh as feachtas Uachtaránachta dearfach, forásach agus trócaireach a chur chun cinn.I want to extend my congratulations to Catherine Connolly and her team. Well done for fighting a positive, progressive, compassionate and cohesive Presidential campaign. Well done also to the many Sinn Féin activists from all parts of the island and all the others who enthusiastically handed out leaflets, erected posters, canvassed thousands of doors and worked hard to get the vote out last Friday.Lots of words have been used to described the outcome. Stunning. Triumph. Historic. And many more. For me the two most important are hope and opportunity.Catherine Connolly was an exceptional candidate. The success of her campaign cannot be separated from her authenticity and her connectiveness with the electorate and with those, many of them first timers, who campaigned for her. That campaign and the emergence of a centre left alliance of parties backing Catherine has provided hope that the century long dominance of the two conservative parties, Fianna Fáil and Fine Gael, can be ended. The Vinyl GiftI love listening to music. There is nothing as uplifting as a good live session. And the music stays in your head forever after,  to be dipped into when the need or notion moves you. For example, Martin Hayes magical concert last week in Belfast's Grand Opera House. Its still jigging in my brain. Martin was well served by guitarist Conal O'Kane and bouzouki and concertina driver Brian Donnellan. They were joined for the encore sets by Donál O'Connor and Neil Martin, two of my favourite musicans, who opened the event along with singer Mary Dillon who was outstanding.  All  in all a wonderful evening. Martin Hayes  playing was amazing, elegent, draoíluíleacht, exquisive, sublime and betwitching. He transported us to a higher state of being. And all of us are the better for it. But it isn't possible to get to live events all the time. So apart from the radio I have a fine collection of recorded  music. They include cassette tapes, CDs and LPs. Some are over fifty years old.Seamus Drumm gave me an ipod of over a thousand tunes years ago. I'm still working my way through  them. Go raibh maith agat SeamieSupporting PalestineOctober is the month Palestinian farmers in the west Bank harvest their olive groves. But this year many such groves sit untended because Israeli settlers are attacking Palestinian villages and farms and the Israeli forces have erected barriers to prevent Palestinians getting to their land.In the Gaza Strip the ceasefire is being repeatedly broken as Israel continues to pound Palestinian families and communities. At the same time the medical situation in Gaza remains critical with Israel blocking much need humanitarian and medical aid entering the Palestinian territory. The World Health Organisation last week reported that only 10 percent of the requested medical supplies have arrived. Medicines like Paracetamol that we take for granted and that can be bought freely here are not available to help those in pain.October is the month Palestinian farmers in the west Bank harvest their olive groves. But this year many such groves sit untended because Israeli settlers are attacking Palestinian villages and farms and the Israeli forces have erected barriers to prevent Palestinians getting to their land.In the Gaza Strip the ceasefire is being repeatedly broken as Israel continues to pound Palestinian families and communities. At the same time the medical situation in Gaza remains critical with Israel blocking much need humanitarian and medical aid entering the Palestinian territory. The World Health Organisation last week reported tha

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.

Send us a textDaniel Ash, along with Peter Murphy and brothers Kevin and David Haskins, formed Bauhaus, a band who were pioneers of goth rock. Their debut single, “Bela Lugosi's Dead” is considered by many to be the first record of the gothic-rock genre.   They released five studio albums, and during that period, Daniel and Kevin formed the post-punk band Tones on Tail in the early 1980s. In 1985, David Haskins, now as David J, rejoined his  Bauhaus bandmates, minus Peter Murphy, and they became Love and Rockets. Where Bauhaus was known for its gothic sound, Love and Rockets' had a brighter, more pop feel. They enjoyed a succesful run in the '80s and '90s, touring internation-ally and were featured prominently in the glory days of MTV. And now, Daniel Ash, along with drummer Bruce Smith of Public Image Ltd. and bassist Paul Spencer Denman who backed Sade, is back. The band is Ashes and Diamonds. The atmospheric sound of their debut album, Ashes and Diamonds are Forever, is fantastic. It releases October 31st and according to my talk with Daniel, the Halloween release is “appropriate”. He was such a pleasure to talk with and I think you'll enjoy…my talk with Daniel Ash.Photo by Regan Catam @raygun1111Ashes and Diamonds Are Forever is available through Cleopatra Records. Get yours here.Save on Certified Pre-Owned ElectronicsPlug has great prices on refurbished electronics. Up to 70% off with a 30-day money back guarantee!Euclid Records – Buy and sell records.A gigantic selection of vinyl & CDs. We're in St. Louis & New Orleans, but are loved worldwide!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Thanks for listening to Frets with DJ Fey. You can follow or subscribe for FREE at most podcast platforms.And now, Frets is available on YouTube. There are a lot of fun extras like videos and shorts and audio of all episodes. Subscribing for FREE at YouTube helps support the show tremendously, so hit that subscribe button! https://www.youtube.com/@DJFey39 You can also find information about guitarists, bands and more at the Frets with DJ Fey Facebook page. Give it a like! And – stay tuned… Contact Dave Fey at davefey@me.com or call 314-229-8033

"  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