Podcasts about edinburgh scotland

This week spring has sprung while Erin is in Vancouver, Bryan gives us a review of Salome at The Met, and we ponder whether the "Gen" in Gen X, and Gen Z is referring to private parts. Bryan informs us about the pending Supreme Court case of mandated coverage for preventative care which could affect access to PrEP, STI testing and cancer screenings. Erin takes down current toxic masculinity trends, like Congressman Tim Burchett of Tennessee thinking drinking out of a straw is feminine, and an odd trend of men shaving off their eyelashes to appear more manly. For this week's 20/20 Recap visit www.patreon.com/attitudes For tickets to Bryan's Edinburgh show this summer visit www.bryansafi.com!See omnystudio.com/listener for privacy information.

Welcome back to HappyPorch Radio: the circular economy technology podcast!Our hosts are joined by Lucy Wishart, lecturer in Circular Economy and Sustainable Transformations at the University of Edinburgh. In this episode they explore how rental models fit into academic, practical, and social aspects of circularity.From the idea of “consumption work” (and how rental reduces it) to what makes circular systems messy by nature, this conversation is packed with insight.Lucy explains how rental plays a key role in circular economy frameworks like the Nine R's and Product-Service Systems, offering an alternative to ownership-based consumption.The discussion explores both the potential and pitfalls of rental - from shifting consumption habits to labor and logistical challenges. "There's a distinction between circularity and the circular economy. Circularity can be quite small scale and local… but the circular economy requires more than one product, more than one organisation — it's collective. It requires us to work together."This podcast is brought to you by HappyPorch. We specialise in technology and software development for Circular Economy minded purpose-driven businesses. Our podcast focuses mostly on: Circular Economy, Digital Enablers, Technology, Software, Circular Solutions, Fashion & Textiles, Circular Strategies, Digital, Reuse, Circular Design, Circularity, Systems Thinking, Economics, Data, Platforms, Degrowth, Policy & Regulation, Collaboration, Materials, Supply Chain, Biological Cycles, Materials, Food Waste, Biomimicry, Construction, Modular Design, Culture & Language, Zero Waste, Digital Passports, Life Cycle Assessment, Recycling, Reverse Logistics, Materials, Sharing Economy, Manufacturing, Efficiency, Environmental Impact and much more!

Alan Veitch is an archivist and a statistician for the sport of field hockey. He is one of the people behind the organisation that celebrates and records the game in the North of Britain, called Scottish Hockey Heritage. In this series of episodes, taken from an interview recorded in Edinburgh on May of 2025, we chat about a variety of topics, including what Scottish Hockey Heritage does, what it plans to do in the future and how you and others can help to record the history of hockey in Scotland. All episodes were done in conjunction with the Half Court Press and Scottish Hockey Heritage. The producer was Tao MacLeod.Scottish Hockey Heritagewww.scottish-hockey-heritage.orgAlan Veitch Hockey Archivist and StatisticianInterview location; EdinburghInterview date; 09.05.2025Episode 1; Alan Veitch of Scottish Hockey Heritage an IntroductionEpisode 2; Alan Veitch on Scottish Hockey HeritageEpisode 3; Alan Veitch on the Current Activities of Scottish Hockey HeritageEpisode 4; Alan Veitch on the Future Plans of Scottish Hockey HeritageHalf Court Presswww.halfcourtpressmagazine.comFacebook & Twitter; @HalfCourtPress1Threads & Instagram; @half_court_press1The Half Court Press Podcast is available on…iTunesSpotifyGoogle PodcastsApple PodcastsAmazon MusicBreakerOvercastPocket CastsRadioPublic

Narrating Irish Female Development, 1916-2018 (Edinburgh UP, 2024) studies narratives of Irish female and feminized development, arguing that these postmodern  narratives present Irish female maturation as disordered and often deliberately disorderly. The first full-length study of the Irish female  coming of age story, the book develops a feminist psychoanalytic narratology, derived from the belated oedipalization of Joyce's bildungsheld, to read these stories. This study argues that all Irish maturation stories are shaped by the uneven and belated maturation story  of the Irish republic itself, which took as its avatar the Irish woman,  whose citizenship in that republic was unrealized, as indeed was her citizenship in an Irish republic of letters. Dougherty takes the writing  of Irish women as seriously as other critics have taken Joyce's work. Discusses texts by James Joyce, John McGahern, Hannah Lynch, Kate O'Brien, Lady Gregory, Maud Gonne, Mary Colum, Elizabeth Bowen, Edna O'Brien, Dervla Murphy, Clare Boylan, Nuala O'Faolain, Eavan Boland, Anne Enright, Claire Keegan, Eimear McBride, Éilís ní Dhuibhne, Melatu Uche Okorie, and Soula Emmanuel Examines the form, narration, and content of fictional, non-fictional, and national narratives Develops a feminist psychoanalytic narratology Synthesizes historical, sociojuridical, feminist, post-colonial, and literary historical narratives of Irish development Jane Elizabeth Dougherty is Professor in the School of Literature, Writing and Digital Humanities and affiliate faculty in the School of Africana and Multicultural Studies at Southern Illinois University Carbondale. Helen Penet is a lecturer in English and Irish Studies at Université de Lille (France). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/psychoanalysis

In this episode of The Fertility Podcast, we're lifting the lid on Endometriosis what it is, what's still misunderstood, and how change is (finally) coming. You'll hear from Brianna Stayt an Endometriosis UK ambassador sharing her 20-year journey and incredible awareness raising events - Natalie was hosting the event and as well as chatting with Brianna, spoke with Professor Adnan Bunkheila, Endometriosis nurse Sam Robinson and her daughter Shannon. The episode is then a fascinating conversation with Professor Andrew Horne , leading Endometriosis researcher and the Director of the Centre for Reproductive Health at the University of Edinburgh.What we discussWhy diagnosis takes years and how we can change thatWhat endometriosis really is (and why "stages" don't tell the full story)The wide range of symptoms: pain, fatigue, gut issues, fertility strugglesHow mental health, diet & acupuncture can support care see below links to researchThe realities and limitations of hysterectomy as a treatmentThe Endo1000 Project: using AI, smartwatches & patient diaries to revolutionize researchWhere to find help, support, and communityWhether you're living with endometriosis or supporting someone who is, this episode is full of insight, hope, and real-world advice.Links & Resources:Endometriosis UKFertility Action –weekly support groups & free advocacy tools Endo1000 Project details The Guardian article about Andrew's paper:The paper: Let's Stay Connected:DM me on Instagram: @fertilitypoddyFollow @fertilityaction for updatesEmail: natalie@thefertilitypodcast.comHit subscribe so you never miss an episode✨ Thanks to our sponsor, ProceiveWe're delighted to be partnering with Proceive this season. If you're trying to conceive, you'll want to check them out. Their high-strength fertility supplements are designed for both men and women and are trusted by healthcare professionals.✨Get 20% off your order at www.proceive.com using the code FP20 at checkout.Thanks for listening. I've got a really good feeling about this new chapter and I hope you'll stick with me as we keep sharing stories, raising awareness, and doing what we can to support each other through this journey

Narrating Irish Female Development, 1916-2018 (Edinburgh UP, 2024) studies narratives of Irish female and feminized development, arguing that these postmodern  narratives present Irish female maturation as disordered and often deliberately disorderly. The first full-length study of the Irish female  coming of age story, the book develops a feminist psychoanalytic narratology, derived from the belated oedipalization of Joyce's bildungsheld, to read these stories. This study argues that all Irish maturation stories are shaped by the uneven and belated maturation story  of the Irish republic itself, which took as its avatar the Irish woman,  whose citizenship in that republic was unrealized, as indeed was her citizenship in an Irish republic of letters. Dougherty takes the writing  of Irish women as seriously as other critics have taken Joyce's work. Discusses texts by James Joyce, John McGahern, Hannah Lynch, Kate O'Brien, Lady Gregory, Maud Gonne, Mary Colum, Elizabeth Bowen, Edna O'Brien, Dervla Murphy, Clare Boylan, Nuala O'Faolain, Eavan Boland, Anne Enright, Claire Keegan, Eimear McBride, Éilís ní Dhuibhne, Melatu Uche Okorie, and Soula Emmanuel Examines the form, narration, and content of fictional, non-fictional, and national narratives Develops a feminist psychoanalytic narratology Synthesizes historical, sociojuridical, feminist, post-colonial, and literary historical narratives of Irish development Jane Elizabeth Dougherty is Professor in the School of Literature, Writing and Digital Humanities and affiliate faculty in the School of Africana and Multicultural Studies at Southern Illinois University Carbondale. Helen Penet is a lecturer in English and Irish Studies at Université de Lille (France). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/gender-studies

Narrating Irish Female Development, 1916-2018 (Edinburgh UP, 2024) studies narratives of Irish female and feminized development, arguing that these postmodern  narratives present Irish female maturation as disordered and often deliberately disorderly. The first full-length study of the Irish female  coming of age story, the book develops a feminist psychoanalytic narratology, derived from the belated oedipalization of Joyce's bildungsheld, to read these stories. This study argues that all Irish maturation stories are shaped by the uneven and belated maturation story  of the Irish republic itself, which took as its avatar the Irish woman,  whose citizenship in that republic was unrealized, as indeed was her citizenship in an Irish republic of letters. Dougherty takes the writing  of Irish women as seriously as other critics have taken Joyce's work. Discusses texts by James Joyce, John McGahern, Hannah Lynch, Kate O'Brien, Lady Gregory, Maud Gonne, Mary Colum, Elizabeth Bowen, Edna O'Brien, Dervla Murphy, Clare Boylan, Nuala O'Faolain, Eavan Boland, Anne Enright, Claire Keegan, Eimear McBride, Éilís ní Dhuibhne, Melatu Uche Okorie, and Soula Emmanuel Examines the form, narration, and content of fictional, non-fictional, and national narratives Develops a feminist psychoanalytic narratology Synthesizes historical, sociojuridical, feminist, post-colonial, and literary historical narratives of Irish development Jane Elizabeth Dougherty is Professor in the School of Literature, Writing and Digital Humanities and affiliate faculty in the School of Africana and Multicultural Studies at Southern Illinois University Carbondale. Helen Penet is a lecturer in English and Irish Studies at Université de Lille (France). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literary-studies

Discover powerful strategies to maximize your rental property returns and minimize costly vacancies. Learn how top investors are transforming their approach to property management, from tenant retention techniques to smart staffing solutions. Key Insights: Master the art of keeping great tenants and reducing turnover Understand when to scale your property management approach Explore innovative investment opportunities beyond traditional real estate Market Trends Spotlight: Rental demand is on the rise Emerging investment options offer unique wealth-building potential Strategic diversification is key to long-term financial success Explore alternative investment opportunities like sustainable teak forestry - a generational wealth strategy that offers: Low entry point Long-term growth potential International diversification Whether you're a seasoned investor or just starting out, these insights will help you make more informed, profitable real estate decisions. Resources: Learn more about the teak tree investment opportunity at Gremarketplace.com/teak Show Notes: GetRichEducation.com/555 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, learn how to reduce a giant operational expense that you'll have over time your tenant vacancy and turnover, including how many units you must own before you hire your own on site property manager as your employee. Whatever happened to agent commissions in light of last year's NAR settlement, then a timely update on teak tree investing today on Get Rich Education.   Mid South home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Welcome to GRE from Manchester, New Hampshire to Manchester, England and across 188 nations worldwide, I'm Keith Weinhold, and you are back inside one of America's longest running and most listened to shows on real estate investing. This is get rich education. What's all that stuff really mean? I'm just another slack jawed and snaggletooth podcaster, a shaved mammal with a microphone. I'm joining you from here in London, England this week for the first time ever on the show. More on that later. Let's talk about reducing the biggest operational expense that you're ever going to have as a real estate investor, at least the one that you can exert a good measure of control over. That is reducing your tenant vacancy and turnover, that constant menace. Now, I suppose you might say that property tax is your biggest ongoing ops expense, but you've got less control over your property tax rate. So yeah, we're talking about increasing your net income by lowering your VIMTUM operating expenses. Vacancy is the V in that acronym. This is big because this can make or break your ability to have your property create positive cash flow and getting tenant turnover right both increases your income and reduces your expenses. It is springtime currently, and it's soon going to be summer, so it is the right time to talk about this. It's when there is more tenant turnover. The goal here is for you to really move the dial in increase the likelihood that your tenant is going to renew their lease. Now, sure if your tenant gets a new job out of town, they're going to move out. But if they're moving because of too many maintenance issues, well then that's something that you could have fixed. The average tenancy duration in the US over time is two to three years. And of course, that's going to be longer in single family rentals and shorter in apartments. And how long your tenant stays is driven by three factors, the price of your unit, the quality of your maintenance and the quality of your management. Let's say that your tenant moves out. To be conservative, that your vacancy period is two months between tenants. Okay, that's the turnover and the time to lease. It two months is a somewhat longish vacancy period. But come on, it happens sometimes, especially if you're going to make upgrades between tenancies and you're busy with other things in your life, if you have a move out every year at that rate, well, that is too often. That would amount. To a vacancy percentage of 14% you might think it's 17% but it isn't, because it's a 12 month vacancy plus two vacant months, all right, but if instead that tenant moves out every two years, that's just 8% vacancy, and every three years that's just 5% vacancy. Of course, if you keep your vacancy period to only one month rather than two, you can have all those numbers. You can really see how you are increasing your income by retaining the tenant. The most vital thing for you to keep in mind is that fast quality maintenance and good communication are by far the best forms of customer service that a property manager can provide, so prompt, quality maintenance. That's a retention strategy. Being a proactive helps. One strategy you can engage in is to reach out to the tenants two months before their lease is set to renew, and that's the time to give them the new lease price and ask them if they intend to stay. If they say, No, they're not, ask them why. And occasionally, you can sway them if there's been a misunderstanding in your relationship, for example, a lingering maintenance issue that hasn't been addressed, and perhaps they didn't bother to contact you about that, if nothing else, I think I mentioned this to you one time before offering a small reward, like a gift card helps. I mean, creating this sense of reciprocation is really one of the best retention tactics out there, even if the items being reciprocated aren't anywhere near equal value, like the value of a 12 month lease versus you giving them, say, a $50 gift card now, say you've tried those strategies, and none of that works, and your tenant does decide to leave, perhaps 45 days from now, but you know that you've got time in your life to turn over the unit now, and You know that you're going to be really busy with other things in 45 days. One thing that you can do then is shift your strategy to pay the tenant. Say you can pay them as little as 10 or 20 bucks a day to leave early. This way they'll vacate during a period where you've got the time to devote to the vacancy and the turnover and the showings to prospective new tenants, and that way, it's not going to linger vacant as long now, a technique like this is a little similar to an eviction, where if a tenant has violated their lease or becomes non paying, without you having to go through the length of Your court driven formal eviction process, you can pay them a lump sum to leave early. Hopefully that's not your situation, but that can come up. And I think you've heard of it before. This is known as the Cash for Keys strategy. That means to get a tenant that's made some violation against their lease, and you want to have them vacate the unit sooner. This means that you get the keys in your hand and the right to enter when you pay them to leave, rather than having to go through the not so fun eviction process and see a tenant wants to avoid a formal eviction as well, because that goes on their record, and then it can make it tough for that tenant to get rental housing elsewhere. But I dislike the Cash for Keys strategy in order to hold off from a formal eviction, because what that does is that rewards a person that violated a lease, although we know that that might also shorten your economic vacancy period, and it could actually be economically beneficial to you, Cash for Keys. It's just not ethical, though. I know it might be tempting for you, the landlord, the cash for key strategy. It rewards societally immoral behavior. Now, of course, you might be using a professional property manager that does all of this stuff for you, like I do today, but still, these are often the best practices for your manager. And I started out self managing, just like a lot of real estate investors do in the beginning, and that's where I learned strategies and techniques like this for reducing your tenant vacancy and turnover. Now, here's a really interesting question that you may not have had to ask yourself yet, but you may down the road, if you've grown your portfolio to a certain size and you're serious about reducing your vacancy and turnover expense, it might be time to ask yourself one big question, and that is for your management and maintenance. Should you use contractors, or should you start to hire your own employees? Now, if you have a small portfolio, it won't be enough work for you to keep an employee busy, so you should go with contract. Contractors. On the other hand, if you have an apartment complex with on site property management, I would definitely recommend having a make ready crew on site, because it's just so easy for them to get to and from a job site. Now, you should still maintain relationships with contractors as a backup, of course, and you should also have specialists like plumbers, electricians and HVAC people ready to call now, most investors are small and they use off site management, but if you grow big enough someday, or maybe it's two day, the important point about employees is that you really need to stay on them, because every extra hour costs you. You don't want anyone out there who's thinking that speed isn't essential, because they're like, ah, you know, I get paid by the hour. Contractors, on the other hand, they quote you or your manager a job up front. So while an extra day hurts because it's one more day you can't lease the unit, it hurts less than it does if you have your own employees. One problem with contractors is they often can't start right away, and this tends to be more true if you're self managing. See if you use a professional manager. They might have their own in house people so you can leverage their employees without having to manage employees yourself, even if your manager brings in an off site contractor, like an electrician or a plumber. Well, that contractor probably gets a lot of business from your property manager, and they have some sense of loyalty to your property manager, therefore, they're incentivized to show up on time faster than if you're trying to self manage, say, your small portfolio of five properties, and you or your tenant are the ones that call the electrician or the plumber. Well, those contractors are going to be less likely to prioritize you and your infrequent requests, and this is just another reason that I like to employ professional management and not self manage. Now, virtually no new real estate investor is going to hire their own employees, and most are never going to at all. All right, but how do you know? How would you know when it's time to hire your own property manager or your own contractor, and have them on your own payroll and you are their boss, if you've got under 20 to 30 units, all right, typically third party property management or self management with contractors, that's going to make more sense, because having a full time, dedicated employee, it's just not financially justifiable. Below 20 or 30 units, you're not going to be able to keep that employee busy. And I'm generally talking about if you have one apartment building here, or a bunch of single family rentals, only if they're in small, close proximity to each other. What about if you grow up to 30 to 60 units? All right now you're in a gray area. If the property is something that's pretty management intensive, like high turnover, or you own an older building, or you generate a lot of work orders, or you're in a challenging area. Well, at 30 to 60 units, you might justify a part time on site person. So how that could practically work in this 30 to 60 unit gray area, what you can do is have a resident manager that gets free rent, plus perhaps a small stipend from you. Okay, so that's a strategy that you can play in this gray area zone. That way they can be responsive to tenant requests, and you can keep your vacancy and turnover costs down. All right, how about when you're going even bigger and you reach 60 to 100 units. Now you're in the range where a full time on site manager or a maintenance person, starts to make financial and operational sense, because here it's 60 to 100 units. Your staffing model, it might be that you have one full time manager, they do the leasing, the tenant relations, in the admin stuff, and you'll also have a second person, a full time maintenance tech if they're needed, all right? And the final tier here, if you reach more than 100 units, oh, okay, now it is standard for you to have a full on site team. You could be in the hundreds of units. So we're talking about a property manager, a leasing agent, a maintenance lead, a groundskeeper and sometimes also a part time assistant manager. So that's it. That's the hierarchy of how, based on your portfolio size and where they're located, how you can serve tenants well and reduce your vacancy and turnover expense. Yes. All right now, what are some things that can shift those thresholds, those unit counts? Well, high rent or luxury buildings, they often need on site staff at a smaller unit count, very low rent or section eight properties, they may need more intensive oversight, buildings that have amenities, like some of these newer apartment buildings that have a pool and a gym, okay, that can trigger some more staffing needs. And if you own multiple properties that are nearby to each other, well, then you can share employees across those properties. And you've got to look at local labor costs in places like New York City, northeastern New Jersey, parts of New England, Miami or LA, those high cost places. Then breaking even on staffing. That probably takes a bigger property than those numbers that I talked about. But here, we tend to invest in those investor advantage areas, the inland northeast, the South, in the southeast, in the Midwest. Now, if you've got, say, even 50 smaller properties, but they're scattered all over the place, in multiple states, well then of course, you're not going to hire employees. A good general metric to leave you with here is that one on site employee for every 50 to 80 units that you own in the same area, that is common, that is a common industry practice in market rate multifamily apartments right now, these are pretty timeless strategies I've been talking about with you here.    As for what's happening in The market lately, I continue to slowly get more optimistic about the long beleaguered apartment market. A few weeks ago, I talked about how there's finally been greater apartment rent increases, although those rent increases are still historically low. What recently we learned that apartments are seeing a longer duration of tenancy and today, per real page, every single one of the 50 largest apartment markets has posted month over month occupancy gains, and then that's somewhat commensurate with what we're seeing on the one to four unit side, because the home ownership rate has fallen. It just fell from 65.7% down to 65.1 quarter over quarter. Now that doesn't sound like much, but that's actually a substantial drop in the home ownership rate in just one quarter. And fewer homeowners means more renters. So this basically means that the percent of Americans, renting has gone up because you just take the flip side of those numbers. So the rentership rate has essentially risen from 34.3 up to 34.9 in just one quarter. Something that completely makes sense, because we all know that home ownership affordability, especially for that first time, home buyer is lower, more renters. Is good for rental property owners. It's bringing more rental demand, more occupancy and more future pressure on rising rents. Now I want to follow up with you on a story from last year that made a lot of waves in the larger real estate world, but not so much for real estate investors. You surely remember this. That is the NAR settlement that a lot of people thought would result in lower real estate agent fees. Lowered commissions were coming. That's what everybody thought last year. Stories about that were all over the place that realtor fees are about to shrink. What's happened since then? Well, not much realtor fees, they still haven't fallen in any significant way, although the settlement was more than a year ago and this went into effect nine months ago. So to back up for a moment, in case you missed it, what happened is that a group of sellers accused the NAR, the National Association of Realtors, of inflating home costs by letting buyer side and seller side agents communicate about commission rates on the MLS home database, which only agents can see. And a jury agreed, so the NAR settled the lawsuit for over $400 million in damages, and it barred agents from sharing commission rates on those MLS databases. So that was a huge change that was expected to extinguish the globally high five to 6% realtor fee in the United States, because global averages are between one and 3% so as a result, the US real estate industry, they were bracing themselves for up to a 30% drop in the commissions that Americans pay annually in fees. But the new rules. Things have been nothing other than a big nothing burger. It only took a matter of weeks, really, for most agents to realize, you know, what did the agents do? They just simply moved their conversations off the NAR website and over to phone, text and email. That's it. Yes, that's all they did. So since that time, the average commission for buyers agents has barely budged. It ticked down less than 110 of 1% so for example, it ticked down less than 500 bucks on a 500k home that's per Redfin. So agents still expect sellers to pay five to 6% now I'm not against agents. Not only can an agent guide you through the process, what they can do is get you a higher sale price than they could have otherwise, because they really know how to market and advertise your property and reach a greater pool of buyers, but their commission rates have hardly budged. And of course, here at GRE marketplace, we typically use a direct model where agent compensation isn't priced into your properties anyway.    To review what you've learned so far today, being proactive can help reduce your tenant vacancy and turnover expense and increase your income. Prompt, quality maintenance, that is a retention strategy in itself, as can having one on site employee for every 50 to 80 apartment units. And one year later, changes at the NIR really haven't reduced aging commissions appreciably. I'm coming to you from London, England today, taking in all the top sites, Buckingham Palace and watching the changing of the guard over there, Big Ben a Thames river cruise and the London Bridge, which is actually called Tower Bridge. The real estate transaction that I'm currently involved in here is paying $550 a night to stay here at a nice hotel in the center of the city. It's right near the Thames, kind of a steep rate, and I sure didn't have to stay right in the city center, where everything is more pricey. But that's the experience that I want to have. Next week, I'll bring you the show from Edinburgh, Scotland, where I'll be paying even more for a well located hotel right on the Royal Mile, and I'll tell you how much more then I am here to boost their economies, I suppose more next, including a really timely update. I'm Keith Weinhold. You're listening to Episode 555, of get rich education.    The same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Tom Wheelwright  24:21   this is Rich Dad advisor, Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:37   Welcome back to Episode 555, of get rich Education. I'm your host, Keith Weinhold, with an episode number like 555, you would expect me to go deep with you on real estate pays five ways, but we did that five weeks ago on episode 550 with your audio masterclass right here on the show today, we're talking about something with less upside. Than say that or the inflation triple crown, and instead on reducing your downside, vacancy and turnover expense, next week here on the show, I expect to sit down with a guest that's a highly regarded financier and author of a fairly hot new finance book, Christopher Whelan, and next week's show could get really interesting, because I've heard Chris say something about how real estate prices could fall back to 2020 levels. In my opinion, that is so many levels of unlikely that happening is about as likely as your grocery bills falling back to 2020 levels. So we'll see it could turn into a debate next week with Christopher Whelan and I. He is a sharp, well informed guy that also used to work at the New York Fed. That's next week down the road, longtime and former co host of the real estate guys radio show, Russell gray will join us again here, and we'll see what he's been up to in his post real estate guys, radio life that's coming up in a few weeks. Lots of great future content here, monologs, yes, those slack jawed monologs For me, repeat guests and new guests joining in as well. Back to this week now, there's an intriguing and potentially lucrative investment that we've discussed on the show here before, and I do have a timely and crucial update about it. A little while back, I sat down with the teak operations principle when we were in New Orleans together. These are yes, those Panama teak tree plantations that so many of you have already invested in. Yes. So as it is here. I am an American in London today talking about teak trees in Panama and I interviewed our upcoming guest here when we were in New Orleans together, the teak investment has a long time horizon, because trees have to grow. There's also a low cost of entry and no loans available. This is a real estate investment. You can own the land with the title to it and the trees that grow on top of them. Historically, teak returns have been five and a half percent, which doesn't sound like much, but see it grows in board foot volume at the same time that the unit price grows. And if inflation runs high over the next 25 years, your return might be higher. But the reason that we're discussing this now is because the principal, Mike Cobb here meeting with me, he is going to mention a price, and this is key two weeks from today, on June 9, the price for the teak parcels increases substantially. I'll tell you about that shortly. So for GRE followers, you can get locked into the lower price for just two more weeks. Here's my chat from a little while back with the teak tree investment principle, and then I'll return to bring you more.    Hey, did you know that you can own a quarter acre parcel of a producing teak plantation, you own the title to the land, and you get the growth in the trees. On top of that, this is something that you can do as an investor. And teak trees are a valuable hardwood that you own, typically in Central America. So there's a very low cost of entry to this investment, and that's what attracts a lot of people to it. And I am with Mike Cobb, the CEO. He's also the author of the new book how to buy your home overseas and get it right the first time. But Mike, a lot of people are interested in the teak investment because it is so approachable. Tell us about it. Give us a general overview.   Mike Cobb  28:42   absolutely, you know, thanks for having me on. It's always nice to be with you. We're, we're having some fun here in New Orleans, which is terrific, you know, yeah, the teak plantation is something that I envisioned back in 1998 so what's that like 26 years ago? Right? And in 1999 we planted our very first 100 Acre teak plantation. Because what we thought about at the time, which has now proven true 25 years later, is that, you know, I was either going to need the money in 25 years and be really glad I did this, or I wasn't going to need the money in 25 years and I was going to be really glad I did this. You know what? I don't really need the money now, but I'm really glad I did this. And 25 years comes. And I think that's been really the challenge for a lot of people looking at teak. They're just like, ah, 25 years. It's too long, but 25 years comes. 25 years will come, and you can either have planted the trees and be ready to take this huge windfall of return, or you won't be getting a windfall return. So I think that's the challenge, the mental challenge, I think maybe an average investor has, but I know you work with superior investors because they're paying attention to what you're writing, they're watching your podcast, they're reading your newsletter. You have far superior investors than I would say, the average investor. So I think this is a great thing for folks to check out.   Keith Weinhold  30:00   All right, so you're talking about the investment timeline, from the time a tea tree seed is planted until the harvest time that can feel like quite a while. You have been doing this over 25 years, and that is key when you as an investor go offshore or go overseas to have trust in a stable company that's been around for a long time. That's why, really, you're one of the few people that I work with who are outside of the United States real estate like the teak trees.   Mike Cobb  30:25   Thank you. Yeah, we've been around for 31 years. I've been working in the region. 31 our development company is 28 years old. Our plantation is now 26 years old. 25 with the trees, but we bought the land 26 years ago. But the bottom line, you're right and and the other thing that we should care about. And you brought this up earlier, when we're kind of chatting, is country, what country are you planting trees in that you got to wait 25 years for them to mature and harvest? By the way, the Panama. By the way, Panama, and of all the countries in the region where I feel the most comfortable as an investor, Panama's yet, because Panama's got the canal. And I know people say, oh, yeah, that's right. It's a vital strategic US interest. It's a vital world interest. The Chinese care about it as much as we do. The Europeans care about it. Anybody who wants commerce to happen cares about that canal being open. And so you've got this country, Panama, that has the canal stable, economically stable, politically stable. And when starting to talk about 2550 7500, year time frames, because you own the land, you get the harvest in 25 years, you replant, and then your children get the next harvest, and your grandchildren get the next harvest. It is truly generational wealth. Stewardship   Keith Weinhold  31:41   Panama is a little bit like investing overseas with training wheels on their well developed, first Central American nation. They even use the United States dollars. They do is that familiar? Absolutely well. But as the investors thinking about investing in teak plantations, just tell us about the properties of teak wood, of all wood types. Why teak? Tell us about the value there.    Mike Cobb  32:00   Yeah, teak has been grown in plantations, starting with the British back about 400 years ago. And so you've got centuries of plantation growing of teak as a crop, right? And so you've got this incredible longevity of information and things like that. And I know some of the stats off the top of my head, since 1972 the average price of teak lumber has has risen about five and a half percent a year over a 52 year period. Talk about track record, centuries of growing as a crop, right? 52 years as a lumber commodity. Look, people been using it to make ships. Its hardness is its most valuable characteristic is an extremely hard wood. It's resistant to rot fungus, so it's used in outdoor furniture, for example, right? Some of the stuff on the Titanic they pulled up from the bottom of the ocean, you know, chairs made a teak, right? Teak. But ship builders fine furniture, outdoor furniture and and they're cutting teak down. This is so important, they are cutting teak down eight to 10 times faster than anybody in the world is replanting it. So just imagine what that does to supply and demand and prices based on just basic economics, right?   Keith Weinhold  33:13   Yeah, that is some scarcity. That is a really good point. Tell us about what you're surely interested in. What do the investor returns look like.   Mike Cobb  33:21   Yeah. So you know, to own one of these quarter acre parcels, by the way, you said it before you own the land, you get title to the land you own the trees. $6,880 that's your that's your entry. Gosh. So for less than $7,000 you own a quarter acre of teeth trees that in 25 years projected returns. We all projections right about $94,000 a little over $94,000 so 7000 turns into $90,000 over 25 years, harvest, plant the trees again, and in 25 years, your kids or your grandkids will get the next harvest, and so on and so on. It is a powerful generational wealth stewardship. In fact, right now we have what we call give the gift of teak because look, you know, you got kids, you got grandkids. What are you gonna get them? Right? I mean, they got everything they want, presumably, right? You buy them a teak parcel, right? Buy that kid, buy that grandkid, a teak parcel. What a cool idea. Oh my gosh, in 25 years, you might be gone, right, but they're gonna get this big windfall, and they're gonna thank grandma or grandpa, right for for thinking of them 25 years into the future?   Keith Weinhold  34:27   Yeah? Oh, I love that. And you're so proud about what you do. You regularly offer investor tour so that they come and see the teak. But maybe you know, for you, the investor, you're wondering, okay, if you're used to investing in us real estate, you might be making two leaps here. You'd be going from residential real estate to agricultural, and you'd also be investing in a nation outside your home country. And when it comes to those sort of questions, I think any savvy investor asks, okay, what are the risks involved with this investment? Can you tell us about that?   Mike Cobb  34:59   Yeah, sure. Look, you've got political risk, country risk, political risk, which, I think again, of all the countries in the region, Panama, dollar, economy, canal, safe, stable. So the political risk is minimal. It's there. It's real. You know, fire risk is an issue, right? Trees burn. The good thing about teak is that after about year three, they're up. And you keep them trimmed, trim all the low branches off. So fire risk really drops incredibly low after about year three or four. But ultimately, it's about professional management. We have a company called Heyo Forrestal that we hired 25 years ago, 26 years ago, actually, to help us find the land, do the analysis of the land, make sure it was good for teak. And when you hire professionals, you get professional results. I mean, we stayed with this company for 26 years now, and the guy that we met early on, a little forestry engineer, is now General Manager and partner in the business. So we've watched that business grow up alongside ours at the same time. Those relationships, you know, Dolly Parton and Kenny Rogers have a song you can't make old friends. So here we are with Jacobo and some of the Luis that we've worked with for, you know, 26 years, and the relationships matter, especially in that part of the world, but professionalism and professional management is the key, and you have that alongside the relationships. Both are important.   Keith Weinhold  36:20   yes. So we're talking about how the property manager is such an important part of your team, and you think about your single family homes or your apartment buildings. And Mike here is talking about the importance of professional management, because teak trees need a little management and pruning, and sometimes there are thinnings which can give you some income so that you don't have to wait 25 years. Correct another way in which you might not have to wait 25 years for the full harvest cycle is at times you can buy trees that are, say, already seven years old, so you can only be waiting 18 years, or that are teens, so you might only be waiting 10 years, or some things about that, those are some of the options. But Mike, before I ask you if you have any last word, if you want to learn more about this, get some information, learn more about it, and learn how to connect with Mike's team. He is one of our GRE marketplace providers, and he's the owner of that company. You can do that at gre marketplace.com/teak, any last thing someone should know about teak before they consider investing? Mike?    Mike Cobb  37:16   Yeah, well, two things you mentioned the tour. So we do run discovery tours. We have one coming up in January, end of January, two days, we go out to the plantation, the teenage teat plantation, by the way, oak, which is eight or nine more years to harvest. Then we're going to the sawmill, because all of our logs go through a sawmill to convert to lumber, which enhances the return to the investor.    Keith Weinhold  37:36   Do the teens sleep until noon? Or can we visit them   Mike Cobb  37:38   and then they're on their phones all day If we're gonna go visit them. We'll wake them up and, like, get on their phones. But here's, here's the last parting word. I think it's scary for a lot of people. It is scary. You're going overseas, you're outside of, you know, residential you're going into a new industry. You're going to a new country. The reason this works for so many people, over 1000 now, have done this, is it's such a small bite, $7,000 and if that's maybe one or 2% of your portfolio, what I hate to say, put it on the table and roll the dice, but you'll be happy you did. I'm happy I did. It's a small bite, but that international diversification is so important. And then you put it in something that's absolutely not correlated to the market. It's not correlated to us real estate. I mean, in 2008 to 2012 when real estate was dying in the US, our trees just kept growing. So non correlated, non US, right? And non residential. I think that's the reason you want to take a little tiny piece of your portfolio and put it overseas in something like teak.    Keith Weinhold  38:42   We know over the long term that it has grown in value 5.5% a year, but at the same time, it grows in volume, in the amount of board fees you're getting a crease, an increase in both unit value and volume. It's really growing a couple ways. At the same time, you've had over 1000 different individual investors invest in the teak now, several dozen, maybe even more than 100 of those have been you the get rich education follower. So again, thanks for joining me, Mike. If you want to learn more, start at gre marketplace.com/teak. I'm Keith Weinhold. I'll see you next time.    Yeah, good information from Mike there again for GRE followers, that 6880 price deadline is Monday, June 9, and then it goes to 8680, that is a 26% price increase, and this is because land and planting costs have skyrocketed. And you know, I have long wondered about when they were going to change that same lower price that they've had for a lot of years. The provider recently added a sawmill to convert logs to lumber, and that enhances investment returns. So when you inquire for more info, you can ask about that, and that could very well put them above the 94k per part. Possible projected payout. Teak, hardwood, it just has some amazing physical properties. It's not your run of the mill. Backyard. Maple, it is a real asset. Think of it as a forest that fights back against Fiat and the provider reputation and continuity are almost impeccable. They've even had the same forestry manager, yeah, sort of like a property manager for trees, because trees take things like prunings and thinnings, the same manager for all 26 years of the teak operation. In the future, I might join one of their teak investor tours in Panama, and if I do, I'll be sure to let you know so that we can meet up that might even be a GRE exclusive tour. What you really need to know now is that, again, the lower price is good until Monday, June 9, to get started or simply learn more, visit gre marketplace.com/teak, that's t, e, a, k, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:10   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Of course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

In this week's episode, Autumn dives into the mysterious 1999 disappearance of Wil Hendrick from Moscow, Idaho—vanished without a trace. Then Erin takes us back to 19th-century Edinburgh for the dark and deadly story of Burke and Hare: the body snatchers who didn't wait for their victims to die.

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

Ben Hart is a magician best known for reaching the grand final of Britain's Got Talent in 2019, finishing third. He has returned to the programme several times, on BGT: The Champions, America's Got Talent: The Champions, and Britain's Got Talent Christmas Spectacular. An award-winning performer, he's also a writer, inventor, and designer of magic tricks and illusions. At the age of 16, Ben won the prestigious "Young Magician of the Year" award from The Magic Circle. He wrote and starred in Killer Magic on BBC Three, Ben Hart's Life Hacks with the Voice, pranking the celebrity judges of The Voice UK, including Boy George, Paloma Faith and Ricky Wilson, appeared in a regular slot within Now You See It on BBC One hosted by Mel Giedroyc. He's also been in the Sorcerer's Apprentice on CBBC, The One Show and multiple times on This Morning. Ben has written and performed 7 solo shows, each premiering at the Edinburgh Festival Fringe and has performed as part of Impossible, playing two seasons at the Noël Coward Theatre in London's West End. He is currently preparing his new show for Edinburgh which he'll be premiering at the Palais Du Variété (Assembly George Square Gardens from 30 July to 24 August 2025. He'll then be touring it all over the country, including performances at the famous Wilton's Music Hall in London, in September .Ben Hart is our guest in episode 494 of My Time Capsule and chats to Michael Fenton Stevens about the five things he'd like to put in a time capsule; four he'd like to preserve and one he'd like to bury and never have to think about again .Get tickets for The Remarkable at Edinburgh, here - https://www.edfringe.com/tickets/whats-on/the-remarkable-ben-hart .Get tickets for Ben's tour of The Remarkable, here - https://benhartmagic.com .Follow Ben Hart on Twitter/X & Instagram @ItsBenHart .Follow My Time Capsule on Instagram: @mytimecapsulepodcast & Twitter/X & Facebook: @MyTCpod .Follow Michael Fenton Stevens on Twitter/X: @fentonstevens & Instagram @mikefentonstevens .Produced and edited by John Fenton-Stevens for Cast Off Productions .Music by Pass The Peas Music .Artwork by matthewboxall.com .This podcast is proud to be associated with the charity Viva! Providing theatrical opportunities for hundreds of young people . Hosted on Acast. See acast.com/privacy for more information.

This is a free preview of a paid episode. To hear more, visit www.nutmegfc.co.ukYou don't need to be half French to worship Zizou the magnificent, but it probably helpsWelcome to a new episode of the My Sporting Hero podcast, part of Nutmeg FC. The home of brilliant football stories – made in Scotland.So far this month, Nutmeg FC subscribers have enjoyed....* Former Dundee United, Aberdeen and Hibs star Mixu Paatelainen telling us why his dad Matti is his sporting hero.* Iain Macintosh giving us the skinny on Duncan Ferguson's sensational autobiography, with nine things we didn't know about the Everton legend.* Adam Clery analysing how Scotland's Lewis Ferguson became the tactical lynchpin to Bologna's brilliant season.Great content still to come includes....* The Slow Match Report from Daniel Gray reporting on the Premiership playoff final.* Stephen McGowan's three-part investigation into plastic pitches in Scottish football.Only paid subscribers to Nutmeg FC get every piece we produce straight to their inbox – including the full version of today's episode.This time on My Sporting Hero, our guest is Christophe Berra.Christophe was a central-defensive stalwart for Hearts during two spells at Tynecastle, which bookended eight years south of the border at Wolverhampton Wanderers and Ipswich Town. He sat on the bench for Hearts' 2006 Scottish Cup triumph over Gretna but received a winner's medal, and won the second tier with the Jambos in Scotland and with Wolves in England, going on to grace three Premier League seasons with the Molineux club. He also won the Scottish Challenge Cup with Raith Rovers in 2022.Christophe has such a cool name because his dad Christian is French. However, while he retains a soft spot for Les Bleus, Edinburgh-born Christophe's allegiances are firmly with Scotland, and he proudly donned the dark blue of his nation 41 times.Christophe retired from playing three years ago and is currently based in Alabama, as interim head coach of professional outfit Huntsville City.Christophe's sporting hero is former midfielder Zinedine Zidane – France's World Cup-winning Monsieur Magnifique.Nutmeg FC | Substack

Scottish rugby referee Hollie Davidson on her path to becoming the first woman to referee a Challenge Cup final plus Tom & Andy review Glasgow's & Edinburgh's weekend in the URC

Assassin's Creed: Shadows gives players the chance to visit the imperial capital of medieval Japan. But today, we're heading to a mountain lying just northeast of the capital: Mount Hiei, a sacred site that was protected by a powerful army of warrior monks.Dr Chris Harding, Senior Lecturer in Asian History from the University of Edinburgh, returns to help Matt Lewis understand what life was like on Mount Hiei during the late Sengoku period; its role in the story of Japanese unification; and what all this can tell us about Japanese religious beliefs at the time.Echoes of History is a Ubisoft podcast, brought to you by History Hit.Hosted by: Matt LewisEdited by: Tim ArstallProduced by: Matt Lewis, Robin McConnellSenior Producer: Anne-Marie LuffProduction Manager: Beth DonaldsonExecutive Producers: Etienne Bouvier, Julien Fabre, Steve Lanham, Jen BennettMusic by The FlightSign up to History Hit for hundreds of hours of original documentaries, with a new release every week and ad-free podcasts. Sign up at https://www.historyhit.com/subscribe.We'd love to hear your feedback - you can take part in our podcast survey here: https://insights.historyhit.com/history-hit-podcast-always-on.You can also email the podcast directly at ds.hh@historyhit.com.

Omnichannel fulfillment provider Stored has acquired Ware2Go from UPS. This deal significantly expands Stored's network by adding 21 new e-commerce warehouses with a combined capacity of 2.5 million square feet of storage space. In manufacturing news, International Paper Company is restructuring its cross-border operations by closing two facilities in Edinburg, Texas. These plants were responsible for manufacturing containers and paper sheets, with the sheet plant slated for conversion into a warehouse. On the trade front, US trade representatives held a second round of hearings to discuss imposing punitive fees on Chinese-built, -owned, and -operated ships calling at American ports. The stated goals of these fees are to reduce China's maritime dominance and potentially incentivize American shipbuilding. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Fresh off a Football Ramble tour, the lads recap a monster journey back from Glasgow, including a five-hour delay, a detour through Edinburgh, and a run-in with a wildly unpredictable couple who produced not one but two cats mid-journey. Pete and Vish witnessed it all, while Luke, blissfully unaware, sat back with noise-cancelling headphones and a Nazi documentary.Elsewhere, the lads get stuck into Glastonbury chat, Luke's actively praying for a washout, and then take a deep dive into what really makes someone a nepo baby. Does Matty Healy owe it all to his soap-star parents? And if Pete's daughter ends up in the spotlight, does having two radio DJ parents automatically seal her fate? The lads investigate.Email us at hello@lukeandpeteshow.com or you can get in touch on X, Threads or Instagram if character-restricted messaging takes your fancy.***Please take the time to rate and review us on Apple, Spotify or wherever you get your pods. It means a great deal to the show and will make it easier for other potential listeners to find us. Thanks!*** Hosted on Acast. See acast.com/privacy for more information.

live.crowleytime.comFinal DiPoni Contingency shows:Thursday 28th May, 7:30pm - Old Fire Station, Oxford (live and streaming online)Wednesday 13th August, 7:40pm - Pleasance Courtyard, Edinburgh

Stuart Laws is a comedian, actor, writer, producer, editor and director. He performs sketch comedy and stand-up comedy. He supported James Acaster on his UK tours and has appeared on and written for Radio 4, has two specials on NextUp Comedy, one on American label 800 Pound Gorilla Media, and has written a play The Journey, that debuted at The Edinburgh Fringe at The Pleasance in 2018. In 2021, he was nominated for Leicester Comedy Festival Best Show and in 2022 he was nominated for Comedians Choice Best Show. In 2023, his Fringe show was awarded 4.5 stars by Chortle. ​Stuart runs his own production company, Turtle Canyon Comedy, and writes and directs sketch shows, sitcoms, live shows and specials that have been shown on Netflix, Prime, BBC, Sky, ITV, Channel 4 and more. Stuart has directed Sindhu Vee, Nish Kumar, Rosie Jones, Suzi Ruffell, Paul Foot, Ivo Graham, Jess Fostekew, Jen Brister and Ian Smith's Specials. Stuart had a breakout year at Edinburgh Fringe 2024 for review with 9 x 4-star reviews and a British Comedy Guide Recommendation. Stuart was featured in The Scotsman, The Guardian, the I newspaper, 5 live and in the Times and the Telegraph best jokes of the Fringe selections. Stuart's most recent directing project is James Acaster's ‘Hecklers Welcome', Acaster's first HBO Special. His latest special, ‘Stuart Laws, Is That Guy Still Going?' Is now available on YouTube under 800 pound gorilla (links below). Comedy shows – Stuart Laws has to be Joking?: Everyone's dealt with it: first, a bad breakup; then, become a puffin island caretaker; suddenly, you're implicated in a puffin murder. A classic. You know how it goes. A vibe shift for acclaimed comedian Stuart Laws. ****½ (Chortle.co.uk). Stand-up comedy/theatre hybrid. Praise for his previous theatrical work: 'I left this show with the chills and feeling just a bit shaken' (MumbleTheatre.uk). 'It is really smart stuff, elegantly exposing hypocrisy' (Stage). 'Fantastically funny' (EdFestMag.com). 'One of the most skilled and likeable comics... a deliciously joke-dense show' (Scotsman). We chat about Michael Caine's iconic delivery of the line ‘Never' and making a show about it, directing and producing, his new Edinburgh shows, authenticity and real self, almost quitting comedy, flow state, being good at comedy, saying no, posting quality plus plenty more! Check Stuart out on: Instagram: https://www.instagram.com/stuartlawscomedy/ Comedy Special: https://800pgr.lnk.to/thatguy?fbclid=PAZXh0bgNhZW0CMTEAAaeMNrDccTIlOuMFvbbVBvalQL4Dp6yMwvA8t0TklzMLkY89HvRCdrwyOLpkSQ_aem_S4AT3qIopeJHSO5szqwoCQ   Tickets: https://linktr.ee/stuartlawscomedy?fbclid=PAZXh0bgNhZW0CMTEAAacaAgRfREt9v53YRPXM9SfwuD64zafU06nEfaN9iKjqQuz--Nm-SOz1Kbizhg_aem_Mi6Sbw1Foi1AZrkeIQictA Youtube: https://www.youtube.com/channel/UC97T7gP1Ai1z19MR3-S40vw Website: https://www.stuartlaws.com/ ------------------------------------------- Follow @Funny in Failure on Instagram and Facebook https://www.instagram.com/funnyinfailure/ https://www.facebook.com/funnyinfailure/ and @Michael_Kahan on Insta & Twitter to keep up to date with the latest info. https://www.instagram.com/michael_kahan/ https://twitter.com/Michael_Kahan

mike@niddrie.org (Niddrie Community Church)no

Howard Amos is a writer and journalist, who has been published by outlets including The Guardian, Newsweek, Foreign Policy, The Associated Press and The New Republic. Raised in London, he spent a year living in Russia's Pskov Region before working for almost a decade as a correspondent in Moscow. He left Russia in the days after the full-scale invasion of Ukraine, and, based out of Armenia, did a year-long stint as editor-in-chief of The Moscow Times in exile. He now lives in Edinburgh.----------LINKS:https://www.bloomsbury.com/uk/russia-starts-here-9781472991348/ ----------Your support is massively appreciated! SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon CurtainNEXT EVENTS - LVIV, KYIV AND ODESA THIS MAY.https://buymeacoffee.com/siliconcurtain/extrasOur first live events this year in Lviv and Kyiv were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. We may add more venues to the program, depending on the success of the fundraising campaign. https://buymeacoffee.com/siliconcurtain/extrasWe need to scale up our support for Ukraine, and these events are designed to have a major impact. Your support in making it happen is greatly appreciated. All events will be recorded professionally and published for free on the Silicon Curtain channel. Where possible, we will also live-stream events.https://buymeacoffee.com/siliconcurtain/extras----------SILICON CURTAIN FILM FUNDRAISERA project to make a documentary film in Ukraine, to raise awareness of Ukraine's struggle and in supporting a team running aid convoys to Ukraine's front-line towns.https://buymeacoffee.com/siliconcurtain/extras----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------TRUSTED CHARITIES ON THE GROUND:Save Ukrainehttps://www.saveukraineua.org/Superhumans - Hospital for war traumashttps://superhumans.com/en/UNBROKEN - Treatment. Prosthesis. Rehabilitation for Ukrainians in Ukrainehttps://unbroken.org.ua/Come Back Alivehttps://savelife.in.ua/en/Chefs For Ukraine - World Central Kitchenhttps://wck.org/relief/activation-chefs-for-ukraineUNITED24 - An initiative of President Zelenskyyhttps://u24.gov.ua/Serhiy Prytula Charity Foundationhttps://prytulafoundation.orgNGO “Herojam Slava”https://heroiamslava.org/kharpp - Reconstruction project supporting communities in Kharkiv and Przemyślhttps://kharpp.com/NOR DOG Animal Rescuehttps://www.nor-dog.org/home/----------PLATFORMS:Twitter: https://twitter.com/CurtainSiliconInstagram: https://www.instagram.com/siliconcurtain/Podcast: https://open.spotify.com/show/4thRZj6NO7y93zG11JMtqmLinkedin: https://www.linkedin.com/in/finkjonathan/Patreon: https://www.patreon.com/siliconcurtain----------Welcome to the Silicon Curtain podcast. Please like and subscribe if you like the content we produce. It will really help to increase the popularity of our content in YouTube's algorithm. Our material is now being made available on popular podcasting platforms as well, such as Spotify and Apple Podcasts.

Matthew Bannister on: Sir Tom Farmer, the Edinburgh born businessman who built up the tyre and exhaust company Kwik Fit.Elaine Wynn, who worked with her husband Steve to create a casino empire in Las Vegas.Sue Stapely, who transformed the way the legal profession communicates with the public and the media.Joseph Nye, the American political analyst who came up with the concept of “soft power” in international relationsInterviewee: Michael Welch Interviewee: Douglas Fraser Interviewee: David Sanger Interviewee: David McNeill Interviewee: Christina BinkleyProducer: Gareth Nelson-DaviesArchive used:Tom Farmer interview, Workwise Scotland, BBC Scotland, 03/02/1989; Tom Farmer, The House I Grew Up In, BBC Radio 4, 06/08/2008; Tom Farmer, First Light, BBC One, 22/11/2016; Joseph Nye On Soft Power, Foreign Policy Association, YouTube 22.02.2016; "Soft power" explained by the man who coined it, Council on Foreign Relations, uploaded to YouTube 09/05/2025; Joseph Nye on "The Future of Power", Harvard University, Centre for Public Leadership, uploaded to YouTube 04/02/2011; Doctor Who, Season 6, Episode 6, The Invasion, by Derrick Sherwin, Director: Douglas Camfied, BBC Television, 07/12/1968; An Interview with Sue Stapely, Fantom Films and Alex Moore, YouTube, uploaded 22/09/2021; PM, BBC, Radio 4, 31/03/1998; Coronation Street, Director: Michael Kerrigan, written by Tony Warren, Granada Television, ITV, 1998; The Archers, Omnibus Edition, BBC Radio 4, 21/07/1985; Mirage Resort Opens, 8 News Now, KLAS-TV, YouTube 13/07/2013; Elaine Wynn interview, KTVN Channel 13, YouTube, 03/11/2015; The Mirage Volcano erupts, 8 News Now - Las Vegas, YouTube 17/07/2024; Musings with Elaine Wynn, TheLifeYouCanSave.org, YouTube uploaded 27/09/2023;

Today, we're giving some excellent exposure to Cass Traitor! Cass is a writer, an artist, and a Dominatrix. They are also a freelance feminist journalist who works as an editor for Red Insight (a digital platform for sex workers). Cass also makes live art and short films about mental health, disability, BDSM, sexuality and gender and has been co-devising and performing with the Sex Workers opera (https://sexworkersopera.com/) for 10 years. Meg and Cass talk about the difficulty of breaking into any kind of creative freelance field with no financial support, and how being autistic helped Cass to discover they were an excellent Dominatrix! They also talk about the duality of doing sex work to support their ‘mainstream' creative work, just how much money Meg spent on her Edinburgh show, and why creative work and other non-traditional forms of labour absolutely need to start being respected as legitimate - and vital - forms of work. Find more about Cass's work here: https://casstraitor.wixstudio.com/more Follow Cass on instagram here: https://www.instagram.com/casstraitor/ And find out more about Red Insight Media (the independent media platform created by and for sex workers that Cass works for) here: - https://www.instagram.com/redinsightmedia - https://redinsight.org/ As always, you can find me here: Instagram: https://www.instagram.com/Megartron BlueSky: https://bsky.app/megartron.bsky.social Twitter: https://x.com/meg_prescott YouTube: https://www.youtube.com/@MegPrescott/videos Spicy page: @Megartron A lot of the topics that we talk about on really good exposure relate to women's rights, worker rights, and the sorry state that both of those are in right now. We believe that women have the right to choose what they do with their bodies and how they make their money, and we also believe that how we choose to use our bodies should never, ever alleviate perpetrators of violence from accountability. We believe that all workers deserve basic human rights and protections, and we believe that predators are always responsible for violence, not victims. If you agree, please consider donating to national ugly mugs. National ugly mugs is a pioneering national organization that provides greater access to justice and protection for sex workers. You can donate here: https://nationaluglymugs.org/donate you can also follow N.U.M. on instagram here: https://www.instagram.com/nationaluglymugs Sex workers are often targeted by dangerous individuals and face obstacles to reporting access to services and police protection. Those who harm sex workers offend against all of us.

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

In this episode, Victor Davis Hanson and co-host Jack Fowler talk about the Fetterman problem for Democrats, the radical history of the Left, University of Edinburgh's bias training, dealing with Qatar, eating crickets, re-settling Afrikaners, Mexicans are not California's original immigrants, regulation of appliances, and Islamofascism in Europe.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

In this episode we talk with Shane about his forthcoming book Thinning the Veil: Encountering Jesus Christ in the Book of Revelation.Bio: Shane J. Wood (PhD, University of Edinburgh) is professor of New Testament and Its Origins at Ozark Christian College. In addition to speaking at churches and conferences worldwide, Shane produces a variety of audio, video, and written resources available at shanejwood.com. He is the author of Between Two Trees: Our Transformation from Death to Life and The Alter-Imperial Paradigm: Empire Studies and the Book of Revelation. Shane and his wife, Sara, have four children and live in southwest Missouri.Buy the book: https://a.co/d/9VRA0ZCAbout the book:The Biblical book of Revelation―a text that, for many, remains shrouded in mystery and confusion. The cryptic symbols and visions of the end times often evoke anxiety among believers. Is it even possible to find hope and spiritual growth within its pages? Thinning the Veil is not just a book; it's a spiritual guide that combines Biblical scholarship with personal reflection, making the study of Revelation accessible and enriching. You'll discover that the heart of Revelation lies in its opening words―"the revelation of Jesus Christ." It's a powerful and personal unveiling, designed to bridge the gap between heaven and earth, bringing God's presence into our lives in a very real and transforming way.Authored by renowned Biblical scholar Shane J. Wood, Thinning the Veil provides a fresh perspective on Revelation, aiming to transform our understanding of this profound text. Wood invites readers to see Revelation not as a daunting puzzle but as a revelation of Jesus, meant to inspire divine intimacy and spiritual renewal.Each chapter of Thinning the Veil is crafted to deepen your engagement through:Interpretation Tools: Engage with exercises that explore different principles of Biblical interpretation, helping you unlock the deeper meanings within Revelation.Scriptural Insights: Delve into thorough textual studies that illuminate the complex passages, unveiling the profound messages they contain.Spiritual Takeaways: Reflect on spiritual practices and thought-provoking questions designed to invite the Word to transform your soul, just as it did for its original audience.Are you ready to dispel the mystery and uncover the hope that lies within the book of Revelation? Thinning the Veil is your guide to experiencing Revelation's hopeful and transformational message.

Christopher Macarthur-Boyd presents the comedy podcast Here Comes The Guillotine with Frankie Boyle and Susie McCabe. 2024 saw Christopher release his debut stand-up comedy special Oh No! with 800 Pound Gorilla Media. After a sell-out run at the Fringe, Christopher toured the UK and Ireland with his hit-show Scary Times, culminating with his biggest show to date at the 1500 seater Pavilion Theatre in Glasgow. Star of Comedy Central Live, Christopher has also co-starred in two series of BBC Scotland's Up For It, hosted BBC Scotland's stand-up vehicle, The Comedy Underground, appeared on Frankie Boyle's New World Order (BBC Two) and has made multiple appearances on the Scotland Made Me series. Christopher is also a regular on BBC Scotland's Breaking The News and has made appearances on BBC Radio 4 Extra's Stands Up At The Fringe, BBC Radio 4's Fred at The Stand, and Russell Kane's Evil Genius for BBC Sounds. Christopher has written for shows such as 8 Out of 10 Cats Does Countdown and Late Night Mash.Christopher Macarthur-Boyd is our guest in episode 492 of My Time Capsule and chats to Michael Fenton Stevens about the five things he'd like to put in a time capsule; four he'd like to preserve and one he'd like to bury and never have to think about again .Tickets for Christopher's Edinburgh show are available here - https://www.edfringe.com/tickets/whats-on/christopher-macarthur-boyd-howling-at-the-moon .Find Christopher's other show tickets here - https://linktr.ee/macarthurboyd .Follow Christopher Macarthur-Boyd on Twitter/X: @macarthurboyd & Instagram @macarthur.boyd .Follow My Time Capsule on Instagram: @mytimecapsulepodcast & Twitter/X & Facebook: @MyTCpod .Follow Michael Fenton Stevens on Twitter/X: @fentonstevens & Instagram @mikefentonstevens .Produced and edited by John Fenton-Stevens for Cast Off Productions .Music by Pass The Peas Music .Artwork by matthewboxall.com .This podcast is proud to be associated with the charity Viva! Providing theatrical opportunities for hundreds of young people . Hosted on Acast. See acast.com/privacy for more information.

Syrian Poets and Vernacular Modernity (Edinburgh UP, 2025) examines a poetic movement that rose from under official state discourse in 1970s Syria Closely examines a wealth of unknown primary poetic texts from Syria that make up a new poetics which challenges received ideas about modern Arabic poetry Rereads along transnational lines the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ Offers a substantial rethinking of key terms in comparative literary studies — translation, translatability, vernacular —as seen through the lens of everyday poetics Describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works Expands the scope of postcolonial poetry in the globalised age by factoring in relationships between first-, second-, and third-world literary cultures This book distinguishes a Syrian style of qaṣīdat nathr (prose poem) as a piece of collaborative performance called shafawiyya, vernacularised poetic speech. It describes the poetic lineages, stretching from early Syrian independence to the 21st century, whose task it was to bring poetic expression closer to everyday life.

These poets are shown cultivating genres and translational practices rooted in a plebeian civilian identity that counters both heroised images of the prophet-poet and stern authoritarian rule. A comparative analysis is provided to understand shafawiyya poetics as a transnational mode of creative engagement. This analysis includes aesthetic affinities and instances of transmission between Arabic poetry and poetries written in formerly Soviet countries (Poland, Czechoslovakia, Romania, Bulgaria). From this vantage point, matters of perennial debate in comparative literature - vernacular, translatability, postcolonial poetry - are shown from a new perspective.

The book closely examines a wealth of unknown primary poetic texts from Syria that make up the new poetics and challenge received ideas about modern Arabic poetry. It describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works. Behar rereads the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ along transnational lines, offering a substantial rethinking of the key terms in comparative literary studies as seen through the lens of everyday poetics. Daniel Behar is Assistant Professor of Modern Arabic Literature in the Department of Arabic Language and Literature at the Hebrew University of Jerusalem. He is interested in comparative analysis of modern Arabic poetry, theories of translation, and socialist literary imaginaries in Syria. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literary-studies

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

Sidi Mubarak Bombay was sort of a combined guide, translator and nurse, and often the supervisor of the African laborers on expeditions through eastern and equatorial Africa in the 19th century. Research: "Sidi Mubarak Bombay Unsung African adventurer." BBC History Magazine, Aug. 2023, p. 56. Gale In Context: U.S. History, link.gale.com/apps/doc/A756775082/GPS?u=mlin_n_melpub&sid=bookmark-GPS&xid=0b775bc3. Accessed 14 Apr. 2025. "Sidi Mubarak Bombay." Explorers & Discoverers of the World, Gale, 1993. Gale In Context: U.S. History, link.gale.com/apps/doc/K1614000037/GPS?u=mlin_n_melpub&sid=bookmark-GPS&xid=ab21ce2c. Accessed 14 Apr. 2025. Burton, Richard F. “Zanzibar: City, Island and Coast in Two Volumes.” Vol. 2. London, Tinsley Brothers. 1872. Cameron, Verney Lovett. “Across Africa.” New York: Harper & Bros. 1877. Cavendish, Richard. “The Nile’s Source Discovered.” History Today. 8/8/2008. https://www.historytoday.com/archive/nile%E2%80%99s-source-discovered Driver, Felix. “Hidden histories made visible? Reflections on a geographical exhibition.” Transactions of the Institute of British Geographers , 2013, Vol. 38, No. 3. Via JSTOR. https://www.jstor.org/stable/24582457 Fresh Air. “'River of the Gods' captures the epic quest to find the source of the Nile.” 6/15/2022. https://www.npr.org/2022/06/15/1105189330/river-of-the-gods-captures-the-epic-quest-to-find-the-source-of-the-nile Grant, James Augustus. “A Walk Across Africa; Or, Domestic Scenes from My Nile Journal.” Edinburgh, London, W. Blackwood and Sons. 1864. Hitchman, Francis. “Richard F. Burton, K.C.M.G. : his early, private and public life with an account of his travels and explorations.” London : Sampson Low, Marston, Searle & Rivington. 1887. https://archive.org/details/richardfburtonkc02hitc Howgego, Raymond John. “John Hanning Speke – Soldier and Explorer (1827-1864). Ligue Internationale de la Librairie Ancienne. https://ilab.org/fr/article/john-hanning-speke-english-soldier-and-explorer-1827-1864 Lepere, Imogen. “Mbarak Mombée: An African Explorer Robbed of His Name.” JSTOR Daily. 3/11/2024. https://daily.jstor.org/mbarak-mombee-an-african-explorer-robbed-of-his-name/ Longair, Sarah. “The Materiality of Indian Ocean Slavery and Emancipation: The Challengesof Presence and Absence.” From Being a Slave: Histories and Legacies of European Slavery in the Indian Ocean. Leiden University Press. (2020). Via JSTOR. https://www.jstor.org/stable/jj.1011743.16 Millard Candace. “River of the Gods: Genius, Courage, and Betrayal in the Search for the Source of the Nile.” Doubleday. 2022. Royal Geograophical Society. “Sidi Mubarak Bombay.” https://cdn-rgs-media-prod.azureedge.net/xs0ksumf/exploringafricafactsheetsidimubarakbombay.pdf Simpson, Donald Herbert. “Dark Companions: The African Contribution to the European Exploration of East Africa.” New York : Barnes & Noble Books. 1976. Speke, John Hanning. ““What Led to the Discovery of the Source of the Nile”.” William Blackwood and Sons. Edinburgh and London. 1864. https://archive.org/details/whatledtodiscov01spekgoog Speke, John Hanning. “The Discovery of the Source of the Nile.” New York, Harper. 1864. Stanley, Sir Henry M. “How I Found Livingstone: Travels, Adventures and Discoveries in Central Africa including four months residence with Dr. Livingstone.” 1871. The East African. “Bombay: Refuge for slave Africans.” https://www.theeastafrican.co.ke/tea/magazine/bombay-refuge-for-slave-africans-1296480 UK Archives. “Bombay Africans: 1850-1910.” From 1807 Commemorated. https://archives.history.ac.uk/1807commemorated/exhibitions/museums/bombay.html Wisnicki, Adrian S. “Cartographical Quandaries: The Limits of Knowledge Production in Burton's and Speke's Search for the Source of the Nile.” History in Africa , 2008, Vol. 35 (2008). Via JSTOR. https://www.jstor.org/stable/25483732 See omnystudio.com/listener for privacy information.

Syrian Poets and Vernacular Modernity (Edinburgh UP, 2025) examines a poetic movement that rose from under official state discourse in 1970s Syria Closely examines a wealth of unknown primary poetic texts from Syria that make up a new poetics which challenges received ideas about modern Arabic poetry Rereads along transnational lines the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ Offers a substantial rethinking of key terms in comparative literary studies — translation, translatability, vernacular —as seen through the lens of everyday poetics Describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works Expands the scope of postcolonial poetry in the globalised age by factoring in relationships between first-, second-, and third-world literary cultures This book distinguishes a Syrian style of qaṣīdat nathr (prose poem) as a piece of collaborative performance called shafawiyya, vernacularised poetic speech. It describes the poetic lineages, stretching from early Syrian independence to the 21st century, whose task it was to bring poetic expression closer to everyday life.

These poets are shown cultivating genres and translational practices rooted in a plebeian civilian identity that counters both heroised images of the prophet-poet and stern authoritarian rule. A comparative analysis is provided to understand shafawiyya poetics as a transnational mode of creative engagement. This analysis includes aesthetic affinities and instances of transmission between Arabic poetry and poetries written in formerly Soviet countries (Poland, Czechoslovakia, Romania, Bulgaria). From this vantage point, matters of perennial debate in comparative literature - vernacular, translatability, postcolonial poetry - are shown from a new perspective.

The book closely examines a wealth of unknown primary poetic texts from Syria that make up the new poetics and challenge received ideas about modern Arabic poetry. It describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works. Behar rereads the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ along transnational lines, offering a substantial rethinking of the key terms in comparative literary studies as seen through the lens of everyday poetics. Daniel Behar is Assistant Professor of Modern Arabic Literature in the Department of Arabic Language and Literature at the Hebrew University of Jerusalem. He is interested in comparative analysis of modern Arabic poetry, theories of translation, and socialist literary imaginaries in Syria. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

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

Tom and Andy reflect on contrasting form for Edinburgh and Glasgow in the URC

Syrian Poets and Vernacular Modernity (Edinburgh UP, 2025) examines a poetic movement that rose from under official state discourse in 1970s Syria Closely examines a wealth of unknown primary poetic texts from Syria that make up a new poetics which challenges received ideas about modern Arabic poetry Rereads along transnational lines the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ Offers a substantial rethinking of key terms in comparative literary studies — translation, translatability, vernacular —as seen through the lens of everyday poetics Describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works Expands the scope of postcolonial poetry in the globalised age by factoring in relationships between first-, second-, and third-world literary cultures This book distinguishes a Syrian style of qaṣīdat nathr (prose poem) as a piece of collaborative performance called shafawiyya, vernacularised poetic speech. It describes the poetic lineages, stretching from early Syrian independence to the 21st century, whose task it was to bring poetic expression closer to everyday life.

These poets are shown cultivating genres and translational practices rooted in a plebeian civilian identity that counters both heroised images of the prophet-poet and stern authoritarian rule. A comparative analysis is provided to understand shafawiyya poetics as a transnational mode of creative engagement. This analysis includes aesthetic affinities and instances of transmission between Arabic poetry and poetries written in formerly Soviet countries (Poland, Czechoslovakia, Romania, Bulgaria). From this vantage point, matters of perennial debate in comparative literature - vernacular, translatability, postcolonial poetry - are shown from a new perspective.

The book closely examines a wealth of unknown primary poetic texts from Syria that make up the new poetics and challenge received ideas about modern Arabic poetry. It describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works. Behar rereads the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ along transnational lines, offering a substantial rethinking of the key terms in comparative literary studies as seen through the lens of everyday poetics. Daniel Behar is Assistant Professor of Modern Arabic Literature in the Department of Arabic Language and Literature at the Hebrew University of Jerusalem. He is interested in comparative analysis of modern Arabic poetry, theories of translation, and socialist literary imaginaries in Syria. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/middle-eastern-studies

Syrian Poets and Vernacular Modernity (Edinburgh UP, 2025) examines a poetic movement that rose from under official state discourse in 1970s Syria Closely examines a wealth of unknown primary poetic texts from Syria that make up a new poetics which challenges received ideas about modern Arabic poetry Rereads along transnational lines the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ Offers a substantial rethinking of key terms in comparative literary studies — translation, translatability, vernacular —as seen through the lens of everyday poetics Describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works Expands the scope of postcolonial poetry in the globalised age by factoring in relationships between first-, second-, and third-world literary cultures This book distinguishes a Syrian style of qaṣīdat nathr (prose poem) as a piece of collaborative performance called shafawiyya, vernacularised poetic speech. It describes the poetic lineages, stretching from early Syrian independence to the 21st century, whose task it was to bring poetic expression closer to everyday life.

These poets are shown cultivating genres and translational practices rooted in a plebeian civilian identity that counters both heroised images of the prophet-poet and stern authoritarian rule. A comparative analysis is provided to understand shafawiyya poetics as a transnational mode of creative engagement. This analysis includes aesthetic affinities and instances of transmission between Arabic poetry and poetries written in formerly Soviet countries (Poland, Czechoslovakia, Romania, Bulgaria). From this vantage point, matters of perennial debate in comparative literature - vernacular, translatability, postcolonial poetry - are shown from a new perspective.

The book closely examines a wealth of unknown primary poetic texts from Syria that make up the new poetics and challenge received ideas about modern Arabic poetry. It describes the institutional culture of poetry translations in Syria and analyses the modes of circulation by which translations pollinated original works. Behar rereads the works of famous Arabo-Syrian poets such as Nizār Qabbānī and Muḥammad al-Māghūṭ along transnational lines, offering a substantial rethinking of the key terms in comparative literary studies as seen through the lens of everyday poetics. Daniel Behar is Assistant Professor of Modern Arabic Literature in the Department of Arabic Language and Literature at the Hebrew University of Jerusalem. He is interested in comparative analysis of modern Arabic poetry, theories of translation, and socialist literary imaginaries in Syria. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history

We finally did it! After 93 spellbinding episodes, the stars have aligned and the cauldron has bubbled just right: today's episode is all about witches. Joining us is the enchanting Feeya from The Witches Tour—a walking tour company that haunts the cobbled streets of London, York, and Edinburgh, uncovering eerie legends and forgotten magic.In this episode, Feeya conjures a tale drenched in darkness and mystery, a chilling blend of tragedy, deception, conspiracy, and grisly death. It's a story pulled from the shadowy corners of history, where truth twists like smoke and the macabre dances with the magical.So light a candle, pour yourself a steaming mug of witches' brew, and settle in. You're about to be spellbound by a wickedly enchanting tale you won't soon forget.

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

After the launch of Labour's new White Paper on immigration we ask, despite Starmer's protestations, if Farage and Reform are already dictating not just UK politics but UK government policy.We also delve into the detail of the changes outlined in the paper.The Labour leadership is also facing a  backbench rebellion over its cuts to disability benefits and is also being urged by 69 MPs to recognise a Palestinian state. Will they listen to either of these calls?Lesley's latest column in The National examined the rise of Reform and speculated on its potential to break out of its unionist bubble and attract disappointed SNP voters in next year's Holyrood elections.First Minister John Swinney was grilled by Martin Geissler on whether independence would be page 1 line 1 of the SNP manifesto at those elections. We analyse his response.Is the UK/US trade deal worth the paper it's written on? Not according to US economist Joseph Stiglitz. Was getting such a quick sectoral agreement a sign of weakness or strength for the UK's position?Ahead of the Holyrood vote on assisted dying Lesley gives her thoughts on this difficult decision facing MSPs. There are a few seats remaining for 'A Night for MAP' at the Queen's Hall, Edinburgh. Friday 30th May.https://www.thequeenshall.net/whats-on/night-map ★ Support this podcast ★

It's the best possible news - MusicalTalk's Pick of the Fringe 2024 hits London in 2025! Pop Off Michelangelo! took Edinburgh by storm last summer, and now comes to London from May until July - and it's a tasty treat.  Thos talks to the show's writer, 21st century Renaissance Man, the talented Dylan MarcAurele, about how this multi-layered, clever, high-camp comedy came to be, whilst also analysing how the show also looks at darker and deeper contempory issues. With laughs, insights and song, you won't want to miss this delightful conversation with a truly creative man. It's time to pop on Pop Off Michelangelo!

You can't be moral on your own. That's a radical idea in this time of moral outrage, but thriving in public life requires a sense of mutual accountability, belonging, and hospitality for each other.Mona Siddiqui is a professor of religion and society, an author, commentator, and public intellectual, and she suggests that the virtues of loyalty, gratitude, hospitality, and hope can lead us through the common struggle of being human together, living forward into a thriving life of public faith and renewed moral imagination.As Professor of Islamic and Interreligious Studies, Assistant Principal for Religion and Society, and Dean international for the Middle-East at the University of Edinburgh, she is an international beacon of hope that we might find restoration, hospitality, and flourishing in our world of struggle. Working through questions of loyalty, responsibility, belonging, gratitude, robust faith, and what we owe each other, we can find abundant resources for thriving and spiritual health.In this conversation with Mona Siddiqui, we discuss:What is a moral life?The connection between faith, spirituality, and living a moral life of responsibility and integrityThe difference between cultivating virtuous character and doing justiceHow to thrive in a pluralistic society marked by constant struggle and conflictThe promise of gratitude and hospitality in a life of thrivingAnd how to pursue a hopeful, forward-looking approach to restoration in the wake of harm, loss, pain, and suffering.Episode Highlights"Our moral life only becomes alive when we are in a relationship—you can't be moral on your own.""Life is all about searching. Life is all about introspection. Life is all about reflection.""The good life is hard; it's not about ease, but about living with accountability and responsibility.""Hospitality isn't just welcoming—it's negotiating belonging, loyalty, and a sense of shared life.""Gratitude can liberate, but it can also create hierarchies and transactional indebtedness.""Hope is not naive optimism—without hope, how do you live, build relationships, or carry forward at all?"Helpful Links and ResourcesFollow Mona on X (Twitter) at @monasiddiqui7*Christians, Muslims, and Jesus,* by Mona SiddiquiHuman Struggle, Christian and Muslim Perspectives, by Mona SiddiquiA Theology of Gratitude: Christian and Muslim Perspectives, by Mona SiddiquiMy Way: A Muslim Woman's Journey by Mona SiddiquiThe Moral Maze, BBC Radio 4Show NotesMona Siddiqui's personal background in Islamic jurisprudence and public theology“I got into Islamic jurisprudence because of personal connection and intellectual curiosity.”Navigating public discourse post-9/11 as a non-white, non-Christian scholarImportance of pluralism and living within diverse identities"I need to create a space that appeals to a wider audience—not just about what I think."Growing up with intellectual freedom in a traditional Islamic householdHow faith upbringing seeds lifelong moral introspection"You are always answering to yourself—you know when you have not lived rightly."Developing comparative theology through seminars with Christian scholarsOverlapping themes between Islamic and Christian thought on the good lifeThe significance of accountability over blanket forgiveness"Belonging is crucial to being a good citizen—you can't flourish alone."Exploration of loyalty: loyalty to people vs loyalty to principlesCivic loyalty and critical engagement with the state“Because I feel loyal to my country, I should also be its critic.”The role of prayer in cultivating internal moral awarenessReflection on virtues: gratitude, loyalty, hopeThe dark sides of gratitude and loyalty in institutionsParenting with a focus on integrity, accountability, and faithfulness“Live so that whatever you say in public, you can say at home—and vice versa.”Emphasis on public engagement: speaking clearly, making complex ideas accessible"Radio became a gift—people want complex ideas made simple and meaningful."Remaining hopeful despite the culture of outrage and cynicismYoung people's resilience and persistent hopefulnessHospitality as a fundamental ethic for creating trust and belongingStruggle as a normative, transformative experience that shapes flourishing"Thriving is not just freedom—it's centering, writing, speaking, and deep human connection."The importance of relationships in thriving and flourishing“Most of us realize—relationships are the hardest, but the most rewarding.”Redefining gratitude: avoiding transactional gratitude, cultivating authentic gratefulnessStruggle cultivates introspection, resilience, creativity, and a deeper moral lifePam King's Key TakeawaysI can't be moral on my own. But my decisions are my own. In the end, living with integrity means living with virtue.Personal and public flourishing are deeply connected to our lives of faith and spirituality; and all of us need to bring the depths of our personal spiritual commitments into public life.We can offer hope and freedom from fear to each other when we expand our hospitality to all persons.The practice of gratitude in the face of our vulnerability is easier said than done—but is a strengthening response to uncertainty and suffering.And finally, human struggle is something we hold in common, and it can be redeemed for creativity, beauty, healing restoration, and a reminder of our dignity as human creatures.About Mona SiddiquiMona Siddiqui is Professor of Islamic and Interreligious Studies, Assistant Principal for Religion and Society, and Dean international for the Middle-East at the University of Edinburgh.Her research areas are primarily in the field of Islamic jurisprudence and ethics and Christian-Muslim relations. She's the author of many books, including Human Struggle: Christian and Muslim Perspectives,Hospitality in Islam: Welcoming in God's Name, and My Way: A Muslim Woman's Journey. A scholar of theology, philosophy, and ethics, she's conducted international research on Islam and Christianity, gratitude, loyalty and fidelity, hope, reconciliation and inter-faith theological dialogue, and human struggle.Mona is well known internationally as a public intellectual and a speaker on issues around religion, ethics and public life and regularly appears as a media commentator on BBC Radio 4 and BBC Radio Scotland's Thought for the Day and The Moral Maze.A recipient of numerous awards and recognition, she is a fellow of the Royal Society of Edinburgh, she gave the prestigious Gifford Lectures in Natural Theology. She was elected to the American Academy of Arts and Sciences as an International Honorary Member. And Dr. Siddiqui was appointed Officer of the Order of the British Empire, which is just steps below the highest Knighting—specifically for her public interfaith efforts.To learn more, I'd highly recommend her books, but you can also follow her on X @monasiddiqui7. About the Thrive CenterLearn more at thethrivecenter.org.Follow us on Instagram @thrivecenterFollow us on X @thrivecenterFollow us on LinkedIn @thethrivecenter About Dr. Pam KingDr. Pam King is Executive Director the Thrive Center and is Peter L. Benson Professor of Applied Developmental Science at Fuller School of Psychology & Marriage and Family Therapy. Follow her @drpamking. About With & ForHost: Pam KingSenior Director and Producer: Jill WestbrookOperations Manager: Lauren KimSocial Media Graphic Designer: Wren JuergensenConsulting Producer: Evan RosaSpecial thanks to the team at Fuller Studio and the Fuller School of Psychology & Marriage and Family Therapy.

mike@niddrie.org (Niddrie Community Church)no

"Mythology can be really a dangerous thing, because mythology feels like it can't be changed, or it's always been something," says Katie Goh, author of Foreign Fruit: A Personal History of the Orange (Tin House Books).Katie Goh is a writer and editor based out of Edinburgh, Scotland. She's also the author of the slim book “The End: Surviving the World through Imagined Disasters” about disaster movies. Her work has appeared in The Guardian, Extra Teeth, and VICE. You can learn more about her at katiegoh.co.uk or follow her on IG @katie_goh. In this conversation we tackle: The love of being edited Having to selfish to be a writer Finding obsessions Issues of identity Style and voice And the trappings of mythologyPodcast Specific Substack at creativenonfictionpodcast.substrack.com.Pre-order The Front RunnerNewsletter: Rage Against the AlgorithmShow notes: brendanomeara.com

In the past few days, UK firefighters have been tackling wildfires across the UK. As global temperatures rise, fires are likely to increase in strength and number. We hear from Rory Hadden, Professor of Fire Science at the University of Edinburgh, and Aidan McGivern, meteorologist and weather presenter from the Met Office.Presenter Marnie Chesterton has been behind the scenes at Cambridge's Natural History Museum with Assistant Director of the University Museum of Zoology Jack Ashby.Also, the woman who came third in the Brighton marathon in the middle of her hen weekend. We hear from Dr. Ann-Kathrin Stock, neuroscientist at Dresden University Clinics and member of the international Alcohol Hangover Research Group about the science behind hangovers and why it might not be such a good idea to run a marathon whilst hungover.And science journalist Caroline Steel has been scouring the science journals.Presenter: Marnie Chesterton Producers: Clare Salisbury, Dan Welsh, Jonathan Blackwell Editor: Martin Smith Production Co-ordinator: Jana Bennett-Holesworth

International law is clear: warring parties cannot kill civilians. It's a war crime. But there is one exception. An attacker can justify killing them if they're being used as a shield for military objectives. This means a belligerent could kill a civilian and claim, after the fact, they were being used as shields by the enemy. Increasingly, that justification has been applied to neighbourhoods, districts, and even entire populations. IDEAS explores the long history of humans as shields and how this legal loophole has become a norm. Guests include Nicola Perugini, who teaches international relations at the University of Edinburgh. He is also co-author of Human Shields: A History of People in the Line of Fire. And Dr. Mimi Syed, an American emergency medicine physician who served two medical missions in Gaza in 2024.

This week's episode is packed after a seismic weekend in the Champions Cup. Jim's got some apologies to make as Northampton Saints pulled off the unthinkable in Dublin, knocking out Leinster in their own backyard. We have Bigs on to break down exactly how his former club did it, where Leinster got it wrong, and what it means for the upcoming Lions squad announcement. Plus, we've got all the fallout from Jordie Barrett's bench role, Caelan Doris injury whispers, Fin Smith and Polock's meteoric rise, and some listener questions, including who from Lions history we'd bring back for 2025 and whether 100 Jim Hamilton could actually take down a gorilla. We also dive into Bath's win over Edinburgh to reach their first European final in over a decade, Bordeaux's breakout moment as they dismantled Toulouse and how the final might play out against Saints. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In Episode 101 of the Construction Royalty Podcast, host Irvin is joined by his girlfriend Ewelina as they dive into Irvin's experiences in podcasting and real estate. They discuss the roots of his podcasting journey, his early interviews, and his transition to construction-focused content. Irvin shares insights into his current project—building a house in Edinburg, Texas—covering detailed steps like choosing land, blueprint development, and the construction process. They also touch on the importance of quality in building, market trends, and the challenges faced in real estate development. Join us for an insightful look into the world of construction and podcasting!    00:00 Nervous Beginnings and Client Rants 00:34 Introduction to the Podcast 01:15 First Podcast Experiences  04:49 Podcast Evolution and Guest Variety 06:05 Focusing on Construction 07:37 Memorable and Unreleased Episodes 09:19 Community Events and Future Plans  10:59 Starting a Construction Development 12:40 Building a House: Step-by-Step Process 17:37 Navigating Permits and Inspections 22:40 Inspection Process and Plumbing 23:26 Scheduling and Conducting Inspections 23:56 Rebar and Structural Details 25:04 Contractors and Quality Assurance 28:00 Cement Pouring and Weather Concerns 30:02 Framing and Roofing 32:44 Interior Work and Inspections 33:19 Challenges and Adjustments 36:41 Neighborhood Standards and Aesthetics 38:23 Future Plans in Real Estate 41:56 Final Thoughts and Wrap-Up   Follow Us! Website Follow Ewelina! Instagram

Preview: Colleague Fraser Howie in Edinburgh Comments on the PRC Currency Fears of Losing Control. Later. 1940 SHANGHAI

Surgical conferences are a forum of the profession–where we all gather to socialize, share clinical experiences, promote academic work, and learn from each other. But what goes into putting these conferences together? In this next installment of the BTK/ASGBI collaborative series, Jon Williams and ASGBI co-hosts Kellie Bateman and Jared Wohlgemut welcome Mr. Dimitrios Damaskos from Edinburgh and Dr. Anne Lidor from the University of Wisconsin to take a look behind the scenes of conference planning. We'll cover logistics, program selection, how surgical societies strive to support their members and trainees, and much more! Mr Dimitrios Damaskos, initially from Greece, he came to the UK for his fellowship and is a UGI and Emergency General Surgical Consultant with an interest in abdominal wall surgery based in The Royal Infirmary Edinburgh. He is the current Director of Scientific Programme for ASGBI and responsible for organising our main International Congress which this year happens to be in Edinburgh. He has also held numerous other events for surgical societies including the British Hernia Society. Dr. Lidor serves as the program chair for the Society for American Gastrointestinal and Endoscopic Surgeons (i.e. SAGES), which is a wide-reaching US-based international surgical society that encompasses many facets of general surgery. The SAGES Annual Meeting was just last month, and is a great opportunity for surgeons to convene and share clinical experiences, academic work, and professionally connect. Dr. Lidor completed medical school at the New York Medical College, and then moved on to George Washington University for general surgery residency training. Following residency, she moved to Baltimore to Johns Hopkins where she completed her MIS/Bariatric Surgery fellowship and subsequently stayed on as a faculty surgeon. After years at Hopkins during which she held many education leadership roles both at the medical school and as fellowship director, she moved to the University of Wisconsin to become Chief of Minimally Invasive and Bariatric Surgery, a role she continues to hold today.  If you enjoyed this episode, stay tuned for more upcoming BTK/ASGBI collaborative content. If you have any questions or comments, please feel free to reach out to us at hello@behindtheknife.org.  Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   If you liked this episode, check out our recent episodes here: https://app.behindtheknife.org/listen

Hosts Jo Firestone & Manolo Moreno play listener-created games with callers!Games played: Dense submitted by Margaret Fiorio from Chicago, Illinois, It's Like That Bit In Shrek submitted by Alex Perry from Edinburgh, Scotland, UK, and And Now A Worm From Our Sponsors submitted by Danny Dellinger from Philadelphia, PennsylvaniaCallers: Neil from Las Vegas, Nevada; John from Middletown, Connecticut; Bri & Ted from Los Angeles, California;Sisco from Los Angeles, California; Taylor & Ginny from Maitland, Florida; Emily from San Jose, CaliforniaOutro theme by Brady Brown from Stillwater, OklahomaNew video about the penultimate Dr. Gameshow Earwolf episode recording is available at moslo.xyz