Podcasts about The Frozen North

Overview of The Americas:A groundbreaking documentary series showcasing the extraordinary wildlife and natural wonders across North and South America.Explores regions like the Frozen North, Gulf Coast, Amazon, Andes, Patagonia, Wild West, and Caribbean.Presents animals' extraordinary survival stories, drawing parallels to human experiences.Inspired by the idea that animals don't recognize continental divides, Gunton realized North and South America could uniquely be presented together.Brought the concept to NBC, emphasizing the unmatched scale, diversity, and compelling wildlife stories available across the combined continents.Described by Gunton as the ultimate guide, Hanks brings warmth and relatability.Engages audiences with an inviting, educational approach, making viewers feel personally connected to the stories and animals featured.Encourages appreciation, understanding, and care for nature by showing the connections between animal behaviors and human life challenges.Highlights the fragility of ecosystems, aiming to inspire conservation efforts.10-part documentary series.Premieres Sunday, February 23rd, at 7:00 PM Eastern with two back-to-back episodes.Available on NBC and streaming on Peacock.Origin of the Project:Narrated by Tom Hanks:Purpose and Impact:Viewing Information:

Join us for bonus stuff every week at patreon.com/timbutterly Level up your game and get 10% off @TurtleBeach with code TBS at https://www.turtlebeach.com/TBS UPCOMING SHOWS AT https://timbutterly.com Catch new eps of Metal Girl Solid live - https://www.twitch.tv/timbutterly MORE NOAH - https://www.youtube.com/@UCeFA2S8V2aeGlrT6sBLWraA AND https://www.patreon.com/TwoHeadedDogComedy  

In this episode, the Beyond the Wild crew welcome guest Jimmy MacDonald a wildlife guide and photographer who has worked with major network film crews, recounts unique encounters with wolves and polar bears that truly highlight the wonders of nature. Jimmy shares thrilling experiences from wildlife filmmaking, emphasizing the excitement of capturing moments in nature, and discusses the dual role of a guide, balancing safety and creativity while working with film crews. In this episode, the conversation delves into the thrilling world of wildlife adventures, focusing on the intricacies of wildlife filming and the respect needed for nature's predators. The speakers share personal experiences from the field, discuss the challenges of wildlife documentaries, and highlight the importance of understanding animal behavior. Sound Bites"Canada's great, spring's coming.""I got to swim with black tip sharks.""Jimmy was my guide this last fall.""It was a pretty amazing encounter to be there.""It was a good story.""The pressures on them through the roof.""It's so thrilling for me to go out with them.""Your predominant role ultimately is safety.""I was just living the moment.""Let's get the great whites, let's go.""It's a healthy respect.""It's fun to make it in the credits.""Your passion for what you do is clear.""Muskox babies are always cute.""It's a whole new level to storytelling.""I look forward to hearing how your trip goes."Chapters00:00 Introduction to Beyond the Wild02:50 Spring in Canada: Nature's Awakening06:02 Adventures in Bora Bora: Swimming with Sharks09:04 Guiding Film Crews: A New Career Path11:51 The Art of Wildlife Photography and Videography14:52 Unique Encounters: Wolves and Polar Bears24:02 The Circle of Life: Death and Survival in the Wild34:24 Capturing the Thrill of Wildlife Filmmaking37:00 The Role of a Guide in Wildlife Filming40:11 Behind the Scenes: The Art of Wildlife Photography44:13 Balancing Safety and Creativity in the Field52:24 The Value of Experience in Wildlife Encounters53:02 Favorite Outdoor Experiences: A Personal Reflection01:08:34 Diving into Shark Adventures01:09:49 Behind the Scenes of Wildlife Filming01:11:10 The Journey of Wildlife Documentaries01:12:16 Respecting Wildlife: Insights from the Field01:15:19 Understanding Predator Behavior01:17:30 Capturing Nature: The Art of Filmmaking01:20:58 Future Adventures and CollaborationsLINKSJimmy MacDonald@jimmy_pawistikThe Americas Episode 5: The Frozen North on NBC, streaming on PeacockTom Hanks discusses The Frozen North EpisodeThe Frozen North EpisodeThanks for listening to the Beyond the Wild Podcast. Remember to subscribe to be notified of upcoming episodes for your listening and viewing enjoyment! Beyond the Wild Podcast is sponsored by Pictureline.com and Canon USA.

The Dumbline crew heads north to the Canadian Arctic this week to discuss a true crime involving dummy fraudsters that take advantage of programs meant to help others, but are easily apprehended and convicted due to a litany of idiotic errors.  Be sure to listen to the end of the episode for everyone's favorite segment, "Get to Know Maria!" Catch a new true crime episode bi-weekly on Wednesdays. Don't forget to rate, review, and subscribe wherever you get your true crime podcasts. Follow @DumblinePodcast on TikTok, Instagram, and Facebook for additional content! Show Notes

In this episode, I talk with Maj Jim Brickson (retired) about his farm/homesteading efforts on 50 acres in Northern Minnesota. Jim and his wife are both retired from the military and looks to enjoy the golden years on the farm. We talk about some of the challenges that poses as well as how to manage aging and farming work. Check out the Brickson Youtube channel at Savory Life Also, join us for discussion of all things pastured pig on our new facebook group, The Pastured Pig. https://www.facebook.com/groups/thepasturedpig Please consider supporting us on Patreon: https://www.patreon.com/thepasturedpig If you would like to know more about us here at Red Tool House Farm or would like to suggest topics for future episodes, visit us at: https://thepasturedpig.com/podcast/

Join Tony and Chris as we discuss this fun, tight game with some interesting play of 30 and 46!

GC13 and David discuss Jar Guard from Summer Camp Island. And now we see what was happening a bit deeper into the Frozen North just as Susie was planning to unleash her newly minted swear words on her sister. The word “tragedy” feels quite appropriate. We may never truly understand the Pale Dog, but we can … Continue reading

**The podcast name changed to Wonderland on Points on 2/9/24 - Thank you for your patience as we make these big adjustments! Please find the correct contact info below!**In this episode we break down our most recent traveled hacked trips. Join Jo as she tells you how to hacked the Frozen North to connect with her Norwegian and Swedish roots! And then head south as Mary Ellen tells you about taking her children to explore their Puerto Rican heritage.It's a fantastic episode where we give you all the details on what these trips cost us, how many points we used to make them happen, and what crazy adventures happened along the way!Email us with your questions: WonderlandonPoints@gmail.comFind us on Instagram:Podcast Instagram: @WonderlandonPointsPodcastJo: @PointstoWonderlandMary Ellen: @FamilyTravel4TheWinPoints to Wonderland BlogReferral LinksChase Sapphire Preferred or ReserveChase Ink CardsVenture X CardAmex GoldFetch App

We've all heard about the great things happening outside of the big cities, but what's it actually like to live in the colder, more northerly parts of Sweden? Journalist Paul Connolly and his partner abandoned the high-flying media life in London and moved to Skellefteå, and they haven't looked back since - hear their story on this week's podcast!

Agriculture is the primary cause of land-based biodiversity loss.  As the global population grows, agricultural production needs to keep pace.  Estimates are that production needs to double by 2050.  How this can be accomplished without doing further harm to the environment and biodiversity is extremely challenging. Climate change adds further complications to the challenge.  As […]

Episode 302 Show Notes   Topic of the show: On this week's show, AG and RH discuss a complicated approach in mountainous terrain.  Why is the controller leaving the pilot high?  What routing may help the pilot comply with the approach using normal descent maneuvers?  We share our thoughts and some ideas on what this pilot can do next time.  We also discuss vectors to final at the last second, wandering luggage tugs, and more of your aviation questions and feedback.  You don't want to miss this episode!   Timely Feedback: 1. Patron Mike Sierra shares a story about flight following near local TFRs. 2. Patron Tango Sierra is a newly minted multi engine ATP with a legacy carrier job! 3. Patron Sierra India from the Frozen North shares some fun facts about our credentials.   Feedback 1. Patron Juliet Hotel shares the penguin analogy with friends at his own risk. 2. Patron Romeo Charlie asks “why the vector” when they were already setup perfectly for an approach. 3. Patron Tang Mike The Fire Truck Guy sent audio about jet blast. Have a great week and thanks for listening!  Visit our website at OpposingBases.com You can support our show using Patreon or visiting our support page on the website.  Keep the feedback coming, it drives the show! Don't be shy, use the “Send Audio to AG and RH” button on the website and record an audio message. Or you can send us comments or questions to feedback@opposingbases.com. Find us on twitter @opposing_bases.  Music by audionautix.com.  Third party audio provided by liveatc.net.  Friends of the show and maker of bags to protect your ATC headset from dust and germs: ATCSaks.com. Keep the gunk and funk away from your most valuable pilot gear: https://pilotsaks.com/. Legal Notice The hosts of Opposing Bases Air Traffic Talk podcast are speaking on behalf of Opposing Bases, LLC.  Opposing Bases, LLC does not represent the Federal Aviation Administration, Department of Transportation, or the National Air Traffic Controllers Association.  All opinions expressed in the show are for entertainment purposes only.  There is no nexus between Opposing Bases, LLC and the FAA or NATCA.  All episodes are the property of Opposing Bases, LLC and shall not be recorded or transcribed without express written consent.  For official guidance on laws and regulations, refer to your local Flight Standards District Office or Certified Flight Instructor.  Opposing Bases, LLC offers this podcast to promote aviation safety and enhance the knowledge of its listeners but makes no guarantees to listeners regarding accuracy or legal applications.

The Captain of the Harper's Fury got the Tempests settled into their three week training schedule before departing for High Tide. Halfway through their training, they were given a day off to go visit the Kadali Ruins upon Vanera's request. Otus took the party up to the ruins and left them to explore on their own. The crumbled walls and remaining statues were overgrown with vines and moss, except for a central pedestal with an empty golden basin on top of it that seemed untouched by the ravages of time. Within was a spherical indentation that seemed to beckon one closer. An urging to place something within. A certain something that was on Vanera's person: the metallic sphere that had been given to them by Qhiph'aks who assumed the Tempests had dropped it during the fight with the Mushroom Tender so many months ago. Vanera was able to shake off the temptation, the draw to place the sphere into the indentation and promptly checked the pedestal for evil hoodoo-voodoo. A smoky entity was twisting and writhing from the basin, just out of a normal person's sight. Vanera was able to repel the creature and promptly reached out to Cadall for advice.  The god arrived with thunderous clouds and a great deal of anger. Taking the orb from Vanera, Cadall revealed that they had narrowly avoided a great disaster. Something about the orb releasing a great evil. Things were happening behind the scenes that even he could not foresee and the Tempests were supposedly in the middle of it, foiling whatever plots were underway. He then revealed that these plots had led to the supposed death of Valkyrie, Goddess of the Frozen North in Rokasing. While Zaan proceeded to take his frustrations out on the remaining architecture, Cadall placed his hand on Vanera's head, telling her to “Learn from the past, so that the future may be saved.” then vanished. Otus came at their call as the skies cleared and brought the party back to Harpermere, where he noticed that Vanera had a horn. A horn that had previously been invisible to all but the innocent. Confused about Cadall's parting words, the Tempests went to their Wagon home to think about their next steps, wherein Brick asked if Vanera had thought to look at her book which had previously been illegible.   If you'd like to join the community to chat with the Fools and other D&D aficionados, considering joining our discord! https://discord.gg/bWSgjAdMbp If you like what we do and would like to support us, consider donating to our Ko-Fi page at https://www.ko-fi.com/foolsandflagons You can catch us live every other Friday on Twitch at: https://www.twitch.tv/foolsnflagons/ If you'd like to see our past adventures, you can check out the VODs on YouTube at: https://www.youtube.com/c/FoolsNFlagons  

Episode 272 Show Notes   Topic of the show: How can some airports run aggressive squeeze plays and compressed finals when some airports operate with much large gaps on a very slow final?  On this week's show, AG and RH discuss the major differences in airports that effect flow, efficiency, departure and arrival separation, and passenger experience.  We also discuss how you can prepare for training in air traffic control.  This is a packed episode and you don't want to miss it!   Timely Feedback: 1. SGAC PATRON Charlie Mike from the Frozen North asks about altitude deviation rules. 2. SGAC PATRON Sierra Echo shared a great story of standard phraseology for a busy controller. 3. SGAC PATRON India Mike shares some audio from the nicest controller on the west coast.   Feedback 1. PATRON AJS asked about night versus day runway separation. 2. PATRON WC brings up a very good point about the number of departures at a busy airport. 3. PATRON WB asks what he can do to prepare for air traffic training. Have a great week and thanks for listening!  Visit our website at OpposingBases.com You can support our show using Patreon or visiting our support page on the website.  Keep the feedback coming, it drives the show! Don't be shy, use the “Send Audio to AG and RH” button on the website and record an audio message. Or you can send us comments or questions to feedback@opposingbases.com. Find us on twitter @opposing_bases.  Music by audionautix.com.  Third party audio provided by liveatc.net.  Friends of the show and maker of bags to protect your ATC headset from dust and germs: ATCSaks.com. Keep the gunk and funk away from your most valuable pilot gear: https://pilotsaks.com/. Legal Notice  The hosts of Opposing Bases Air Traffic Talk podcast are speaking on behalf of Opposing Bases, LLC.  Opposing Bases, LLC does not represent the Federal Aviation Administration, Department of Transportation, or the National Air Traffic Controllers Association.  All opinions expressed in the show are for entertainment purposes only.  There is no nexus between Opposing Bases, LLC and the FAA or NATCA.  All episodes are the property of Opposing Bases, LLC and shall not be recorded or transcribed without express written consent.  For official guidance on laws and regulations, refer to your local Flight Standards District Office or Certified Flight Instructor.  Opposing Bases, LLC offers this podcast to promote aviation safety and enhance the knowledge of its listeners but makes no guarantees to listeners regarding accuracy or legal applications.

Dr. Kevin Mailo and Dr. Wing Lim welcome financial advisor Goran Ogar to the show to share some tax code insights that a lot of general accountants may not know. Goran specializes in complex tax strategies for professionals, the very wealthy, and corporate entities. His understanding of the Income Tax Act is second to none. Goran first explains why many accountants and lawyers don't know all the ins and outs of the tax regulations. It's a very complex thing to study in its entirety. He then explains how corporate taxation works upon a business owner's death and how 60% of the assets will end up double taxes so only 40% remains to pass on. How can this be avoided?In this episode, Kevin Mailo and Wing Lim, with guest Goran Ogar, discuss the strategies to be found within permanent life insurance, how to collateralize on the opportunity for loans on insurance investment, and why strategies are necessary for personal businesses earning over $200,000 per annum. As Wing says, this episode is like reading the table of contents of a book you are very interested in, so there will be more in depth insight from Goran in the future. Start here and keep listening.About Goran OgarGoran Ogar is a financial strategist and advisor recognized by his colleagues for having a unique command of the most complex financial issues as it pertains to corporate tax and legal matters. He started his career in the financial industry in 2001 as an independent financial advisor, and has taught over 500 seminars and workshops on various financial topics. He approaches financial planning by first taking time to learn the specific values that his clients hold dear, then he identifies solutions to their challenges, and communicates a clear and concise course of action that is in alignment with those values.In addition to the financial advisory career, his entrepreneurial endeavours gave him first hand experience in business. He developed and started businesses in the areas of real estate, recycling, oil and gas, and hospitality. His business activities ranged from startups and initial fundraising to public company mergers and acquisitions. Resources Discussed in this Episode:Save the Date for May 6-7, 2023 in TorontoGoran Ogar on LinkedInBrilyant—Physician Empowerment: website | facebook | linkedin __TranscriptKevin Mailo: [00:00:00] Hi, I'm Dr. Kevin Mailo and you're listening to the Physician Empowerment Podcast. At Physician Empowerment, we're focused on transforming the lives of Canadian physicians through education in finance, practice transformation, wellness and leadership. After you've listened to today's episode, I encourage you to visit us at PhysEmpowerment.ca - That's P H Y S Empowerment dot ca - to learn more about the many resources we have to help you make that change in your own life, practice and personal finances. Now on to today's episode. Kevin Mailo: [00:00:35] Hi everyone. I'm Kevin Mailo, one of the co-founders of Physician Empowerment. And tonight I'm joined by Wing, also one of the co-founders, and he is going to be interviewing an associate of ours, Mr. Goran Ogar. And I'm not going to introduce Goran. I'm going to let Wing do that, but I'm going to introduce the topic. And the topic is this: Aspects of the Canadian tax code that your accountant or lawyer may not be aware of. So a bit of a controversial topic and a very fascinating deep dive. And I'm really looking forward to this one because Goran has a ton of background in tax planning for high net worth individuals as well as businesses and start ups. So with that being said, I'm going to step back and I'm going to let you run the show here, Wing. Take us through this great topic. Wing Lim: [00:01:26] Right on. Thank you. So I'm Wing. Dr. Wing Lim. I'm one of the co-founders of of Physician Empowerment. And some of you know me very well, some of you I may not know. Anyways, I'm absolutely excited to interview Goran tonight. Goran and I went back 20 some years ago. A past kind of crisscross, and then we're working on some really interesting stuff together. So yes, so the topic is highly controversial, but let me introduce why I would interview Goran? He's one of the most interesting guys I know and we say that our webinar and podcast, we want to interview interesting people and interesting topics. So Goran, of all, he came from Serbia and of all places that he chose to fly to, he chose the Frozen North called Edmonton 25 years ago and he actually became a preacher, went to school, become a preacher, and ended up in the financial world. But not just that. He did a bunch of start ups, different companies. He's a serial entrepreneur. I consider myself one of those too. And it's not open up serial companies, it's serial as a bunch. And he's taken some companies public that's in the oil and gas industry and others, and he's done restaurants and different things. Him and his wife both like they they cook so well, it's like MasterChef, and they fix a meal for me and my wife, it was absolutely amazing. And so Goran is not the type of financial advisor that goes around drumming up clients. He has a select suite of select high net worth clients, and some of them are in this professional space, but some are extremely wealthy. And he, I would call him specializing in complex tax strategies. He's been retained by various companies to do retirement planning, and two of which that is in our city, is University of Alberta and NAIT - North Alberta Institute of Technology. And these are, and they hire him just to help people retire. Right? So without further ado, Goran so tell tell us about your yourself, your journey, like it's really interesting path you crisscross. Goran Ogar: [00:03:33] Yeah well I came back in mid-nineties to Edmonton to study theology of all things, and when I finished my undergrad studies I continued for the master's degree and had a really good friend who was a financial advisor. He showed me strategies that he was doing - in particular tax strategies that he was doing - for his clients. And I just fell in love with the process of strategizing, figuring out different things. And the bottom line for me was figuring out how to, and learning how to reduce the tax burden. And so that was about 21 years ago. And I decided at that time to join a company, Assante Wealth Management is the company I joined, and became a financial advisor. And one thing that was very interesting for me, because before getting into financial industry, I was a teacher at local college here and teaching was the only thing that I knew how to do at the time. So I prepared courses on financial planning and tax strategizing and approached large companies in Edmonton area. And the University of Alberta was one of them, NAIT was another, Sherritt International, Dow Chemical and dozen other companies. They hired me and I was doing their financial planning, educating their employees for probably about 12, 13 years or so. But in that period, getting to know and meeting lots of entrepreneurs, I myself decided to become an entrepreneur myself and in the process started several companies in oil and gas, in tire recycling, hospitality. That was probably the most painful experience, owning the restaurant. I wouldn't advise anybody, you know, unless you're so passionate, but hey, I did it and it was a fun experience. So, and lots of good stories to tell from that. Wing Lim: [00:05:23] That's good. The good, the bad and ugly. And so, okay. So with that diverse background, of course you dealt with some really high net worth family offices and individuals, and there are stories that - I don't want to belabor everybody, but there are people worth double digit million - and then their tax advisers goofed. Right? And then as a result, they paid millions and millions of dollars in tax they shouldn't have. So for our level, regular human beings, doctors. So what? So what could possibly, the tax code, what could possibly our accountants and lawyers not know? Didn't they go to school? Goran Ogar: [00:06:02] Well, they did. The challenge is that the Income Tax Act is about 3500 pages thick. And in order to reduce taxes, you need to know the rules. And to know all the rules is pretty difficult. You really need to have an income tax act as your bedtime read. And very few people do that and on top of income tax, there's income tax regulations as well. That's another 1500 pages. So when you start looking at the whole picture of how the taxes are regulated in Canada, there's lots of material to study. The challenge is, in particular for lawyers and for the accountants, is many of those things are not even being taught during their education as they're getting their certification degrees and being actually accepted to the bar, because other things are more interesting. And there is, there are other things that are more of a focus. So the taxation does ends up being a really specialized field because even every accountant you will come across a tax accountant. So there is a general account, there is a tax accountant and actual tax accountants, very few of them are out there. Most of them are, most of the accountants are general accountants, so they don't focus on strategizing and the strategies that would be applicable both to the individuals and the small businesses or any size business. So the taxation is really narrow field and there are way too few, if you will, specialists in that regard. Wing Lim: [00:07:36] Right on. And so we, those of us who are married, said the vows till death do we part. It might hold true for marriages. It doesn't hold true for taxes. And sometimes till death do we start, right? And so. So maybe we should start there. So let's start with the end in mind. Right? So what happens when we pass on? We say work all our life, save the money, and then what does this tax man get if we just don't do capital planning? Goran Ogar: [00:08:13] Yeah. The big challenge is in particular with people who own corporations and most of the physicians are corporate owners. You are a business owner, you run a business whether you feel that you are a business owner or not, you are. That's the bottom line. And essentially, when a person, business owner who's, let's say 100% or 50% business owner, when that person passes away, the corporation is deemed as disposing of all the assets. So the corporation gets taxed pretty much at the highest marginal tax rate when the owner passes away. So the corporation gets taxed at about 50% tax rate. Now, the next step is for the assets to pass to the estate. And as an inheritance, there is another layer of tax that comes on top of that that the estate is going to pay at the disposition of those assets. So unless there is a proper tax planning, there is double taxation at the corporate level and then at the personal level. And that tax could be easily north of 60% of the total assets that would go to the government. Wing Lim: [00:09:24] So wait a minute, wait a minute. So you say, okay, so we work our butts off over the years. Let's say we save $1 million in assets passes to the next generation. So what really passes to the hands of our children is only 40%. Goran Ogar: [00:09:39] Roughly 40%, if no planning was done. Right? Wing Lim: [00:09:43] Wow. So what about what about these RSPs that everybody's racking up? I've known people rack up millions of dollars in RSP and then become whatever Lira. And what happens to those? Goran Ogar: [00:09:54] Well, when the person passes away, if that's the last person, let's say in a couple, right? So all the assets are considered to be sold. So full withdrawal of the RSPs happens. And pretty much if there is $1 million in the RSPs that's considered in the terminal year, the year of death, that's considered as an income to the person that passed away. So at $1 million, that would be the highest tax rate depending on the province where you are, 2 or 3% up or down from 50% of the money would go to the government depending on the province. So 47, 48 to 53% in Canada goes to the government from the RSPs. Same with Lira, right? The only actually type of account, registered type of account, that would not be hit by that is TFSA, tax free savings account. But unfortunately, with the tax free savings account, there is very limited amount of money that could be invested in it. Wing Lim: [00:10:56] That's so good that the government has to limit it. Goran Ogar: [00:10:59] That's right. Wing Lim: [00:11:00] Yeah. Now, the other thing, the government, is so good that the government have to limit it is insurance. Goran Ogar: [00:11:06] That's right. Yeah. So there are three types of insurance, actually two categories. There is term insurance and there is permanent insurance. And permanent insurance could be as universal life and whole life. What's interesting is about five years ago, the government reduced the amount of money that could be placed inside the insurance. And when I say placed inside the insurance, permanent life insurance is very different from the term insurance. Term insurance is only insurance that has pure insurance cost in it, plus some administration fees and stuff like that. So it's kind of like people consider it as a cheap, the least expensive type of insurance. It's not, actually it's even more expensive When you look at the net cost of pure insurance, it's slightly more expensive than net cost of pure insurance inside the permanent policies. Now, with the permanent policies, that's universal life and whole life, there is the insurance component, but there is also the investment component. In the past, government used to allow a significant amount of money to go into the investment portion of the permanent policies. And the challenge for the government was that the investment inside the insurance is exempt from the taxation. So it behaves in a similar way like tax free savings account. And essentially a person could put a large amount of money to grow at your discretion. If it's universal life, you can invest however you want - mutual funds, stocks, index funds - whatever you want to have in your portfolio. And that money would grow on a tax free basis and at the time of passing, it would go to the estate on a tax free basis as well. But also a person could withdraw from there in the form of a collateral loan or a straight withdrawal. We can get into it a little bit later, but about five years ago, the government decided to reduce the amount of money that the person could invest inside the universal life policies simply because lots of people were put in a significantly large amounts of money into those life insurance policies and without paying any tax on them. Wing Lim: [00:13:29] So that's that's actually the wealthy people secret weapon, right? They have so much inside this TFS on steroids which is insurance, permanent insurance, and jacking up just getting fatter and fatter. And at the end the government gets so little tax out of it, they have to limit because it's so good. Goran Ogar: [00:13:49] That's right. There are certain strategies, we're not going to go into all the details because our time is limited from that perspective. But there are certain strategies that could be used with the, within those policies, and with the corporation where literally corporate money could be withdrawn outside of the corporation without triggering any tax. Wing Lim: [00:14:10] Yeah. Now so we don't have time to go dive into that. But this is very interesting. So would you, so comparison number one, you have a bunch of assets portfolio. You know usually the regular Joe doctor goes to the regular Joe accountant and they say, okay, pay yourself T5, save a bunch of money in the corp and invest in the corp and build up the portfolio. And upon death, like you say, there's double taxation. There's like 60% gone to the tax man. So what happens if there is an insurance policy? Goran Ogar: [00:14:41] So essentially how it works with insurance policy, let's say if it's corporate owned insurance policy, so there is no withdrawal of money outside of the corporation. If a person would set up insurance policy, they could dump in a large amount of money as an investment inside that policy. So that money would number one, it would grow tax sheltered. What it means is there would be no taxation. So again, similar to the RSPs or tax free savings account, as compared to regular investment inside the corporation, which would trigger passive income taxation. And at about three, four years ago, the government actually was addressing the passive income inside the corporations. And if your passive income is over $50,000 per year, you lose the benefit of the small business deduction, which means you're getting taxed as a large business. Even on the first portion of a half $1 million. With the life insurance, permanent life insurance policies - so universal life or whole life - you completely bypass the passive income taxation. Now, if the investment inside the policy grows and let's say if it stays there 34 years until a person passes away, the proceeds from the insurance are paid into the corporation, number one, on a tax free basis. So they hit the corporate account on a tax free basis. The corporation does not pay any money in tax and as a result, proceeds from the insurance create something that's called capital dividend account or short, abbreviated CDA. The capital dividend account is a notional account, so it's used only for the accounting purposes. But that account allows the funds from the corporation to be passed on to outside of the corporation on a tax free basis. So which means all the assets that are accumulated inside the corporation within that policy would pass to the heirs without triggering any tax at all. So even if it's corporate money. Wing Lim: [00:16:54] Wow. So let's dial back a little bit. So same thing, right? So you work your buns off, have $1 million nest egg. Right? So you put it, uh, hide it inside a policy, permanent life policy, which is corporately owned by your place of work or whichever, so upon death is not just the insured amount - whatever 1, 2, 3 million - that goes to your offspring, but also the growth inside it is tax free compound over 30, whatever decades. And it goes down tax free. Goran Ogar: [00:17:25] That's right. Yeah. Wing Lim: [00:17:27] So then then so the comparison is we, my wife was a financial planner like 30 years ago, and at that time we read the book The Wealthy Barber, and said, okay, buy term life the cheapest to hold it personally, then you don't have to worry about pulling it out of the corp. Then the difference is a million, you only get 400 down to your kids or 300 versus a million. So for us to believe in that, we have to work 2 to 3 times harder to save a million to the next generation. That's absolutely crazy. But that's, everyday Joe, that's the advice that we got. Goran Ogar: [00:18:02] Yeah, well, that's the challenge with the advice. That's the challenge with the taxation. Because even I had an opportunity to chat with an accountant, one of my client's accountants - this was about 4 or 5 weeks ago - and the conversation revolved about the taxation and certain aspects, and I mentioned a different accounting firm and certain strategy. I was going to send the documents that I received from that accounting firm, kind of saying that the strategy is okay and that that's what they recommend to the clients. His comment to me was, Well, I don't like what they're saying because they approve of capital gains stripping. I'm not going to go into that strategy. But it's a very unique strategy. It's called, in other words, a pipeline strategy for a corporate tax planning. He was upset because the other accounting firm utilizes that for their clients. Well, the other accounting firm is actually a large national firm. I'm not going to name that firm, but it's a large national firm that has a very good auditors and frankly, CRA does not come against them very often, if ever. So they're utilizing this strategy that the other accountant that did not approve. Why? Simply for the lack of understanding and knowledge of certain aspects of a tax code. Wing Lim: [00:19:35] Right. Now, so yeah, this is very interesting. So let's move on. So do we have to, all these benefits just from one strategy you're talking about, do we have to wait till we die to benefit from. Goran Ogar: [00:19:48] No you don't. No, because, so let's say with with the permanent policies, if they're a part of the corporation and if the funds are accumulated inside the corporation, you can either withdraw money from it. Now, it would be taxed if it's withdrawn outside the corporation. Another option is to use those funds and use it as a collateral asset for the loans, and pretty much every major bank in Canada will lend you money against a permanent life policy outside of the corporation for the corporate asset. So the way we structure it often is, let's say if there is retirement planning, so an individual, a business owner, would invest a large amount of money inside the insurance policy. When the time for the retirement comes, they would just have a series of loans outside of the corporation, which would be a tax free money to them. Let's say a series of 20 loans, 20 annual loans for the 20 years. So all the the money is not withdrawn. It's alone. The investment inside the permanent life policy continues to grow. And upon death the insurance policy pays the proceeds to the corporation, as I mentioned earlier, from the corporation it gets on a tax free basis to the heirs or to the estate outside. A portion is used to pay off those loans and the rest stays tax free with the family or with the heirs. So a person can simply use that, collateralized, use a loan as a tax free income in retirement against the assets inside the policy. Wing Lim: [00:21:38] And in case this makes your head spin, don't worry about it. We'll have future sessions that dive into these strategies. Today is opening, by talking to Goran it's like going to a bookstore and find a very interesting book or novel and you open it and you just look at the table of contents and you're really attracted. So this is, today is one of those because there are so many interesting things. Now, let me recap it in layman's terms. My understanding is instead of going buying a cheapest term life insurance under your personal name and then pay yourself T5, the different advice that that we get here, or different brain wave, different wavelength, is actually put it inside, buy a permanent life policy inside your corporation and stuff as much as you can and build it up, build it up to be tax free. And not just that you collateralize it, right? So you borrow the money out and pay whatever prime rate or whatever. And then, but then now it's a loan under your personal name. So it's not under your corporation. It doesn't have to be in a corporation anymore. So you don't have to worry about this passive income thing. And then so you can invest. So then you have your nest egg inside a life policy that's growing, but you take it out, collateralize it, and you still, and you now you can invest again. So you got two, two piles growing. Is that true? Goran? Goran Ogar: [00:22:59] Uh, sorry, could you repeat? Wing Lim: [00:23:01] So your life policy is growing, right? Tax free. But you collateralize, so you borrow the money out. Goran Ogar: [00:23:07] That's right. Wing Lim: [00:23:08] Now you can go invest again. So. Have a second pile growing. Goran Ogar: [00:23:12] Exactly. So what lots of people do is they would have a policy inside the corporation. They would borrow money outside the corporation and not spend that money, but actually use it for the investment purposes. So essentially, it's using a corporate money in the personal environment now, where the taxation is actually lower than inside the corporation, and that's additional benefit that could be used. So the interest in that regard becomes also tax deductible. Wing Lim: [00:23:44] Right. And then a lot of struggling young physicians, right, we met young colleagues by the time they finish med school, they are $250 to $300,000 in debt. Right? And so they if they have this kind of policy and they do a collateral loan, and so they can pay off a little bit and still sock some money away. Right? Or can sock away for a nice retirement. So this now, this alone is amazing. What... give us another, what else would a regular physician, should should we do if we, now that we have this thinking cap on, what else would you advise? Like what other corporate restructuring strategies would you recommend? Goran Ogar: [00:24:24] So depending on a personal situation, of course, and everybody's situation is different. But typically when I have my wish list for my clients, when I look at their situation, and that's restructuring the type of income that they draw out, I understand that people have to take out T4 income. But if you're taking T5 income, you can look at reduction of your CPP income to reduce so that you're not paying CPP, because many people are not going to use it. So for me, number one income strategy would be looking at the pipeline strategy. So I would advise many individuals, if you have income of, let's say, $200, $250,000 per year or more, utilizing pipeline strategy or capital gains stripping, would reduce your income by half, literally. Number two is setting up a permanent policy for estate planning, for retirement planning, or for immediate financing for other investments and stuff like that outside of the corporation or for a different corporation. Number three, I would say setting up a family trust, family trust and keeping the assets inside the family trust. Family trust for a reason, there are tax reasons, but also there is a control reason that will help you save money from creditors. If there are certain situations in life, there are many things that can happen that with a family trust, actually you can prevent negative consequences from happening. Wing Lim: [00:25:59] Like a divorce of your kids. Goran Ogar: [00:26:00] That's right. Exactly. Yeah. Yeah. Because with the family trust you can avoid even for your kids, you know, prenup agreements and stuff like that, which is often a tough conversation to have. If a person is a donor, if you like to donate money to charities, I would look at setting up a private foundation as well for those purposes, because with the private foundation, whatever you put into the private foundation, you get pretty much about 50% tax credit. But you have to spend only 3% of whatever is inside the private foundation for the charitable purposes in any given year. So those are kind of like four strategies that I would look at seriously considering setting up pretty much every business owner. Now, there are other strategies as well that could be applicable for various situations, but these four, I would say, are the core when it comes to tax savings for business owners. Wing Lim: [00:26:56] Right on. Yeah. So somebody's already made a comment like we're drinking from a fire hose already, so 30 minutes just came and gone like that. So a couple of questions left from me. Why wouldn't more advisors tell us this? Goran Ogar: [00:27:12] Well, I would say, number one, there is a lack of knowledge when it comes to these strategies, and I think that's the biggest issue. Number two, there is, from the accounting perspective, there is only accountants, there is always fear that you are too close to the line and that you shouldn't walk too close to the line. So I would say those two things - the lack of knowledge and fear of stepping over the boundaries - are probably the two most the biggest reasons why we don't hear about those strategies. Wing Lim: [00:27:46] Fair enough. Fair enough. And that's why we're here to empower everyone, right? The empowerment process to empower you to ask smarter questions, write to your advisors. That's then the last question I have, if we have run of the mill advisors, we feel stuck. Do we fire them or what do we do? What are our choices and steps? Goran Ogar: [00:28:06] I mean, that's difficult to say, you know, because I'm an advisor myself. Right? But the challenge is there are lots of good advisors out there, but there are few in comparison to the number of advisors that are there. So looking and finding a competent advisor who knows his stuff and who's willing to tackle the taxation and the estate planning and the strategies that are involved, who is willing to go extra step, if you will, with strategizing, I think would be probably the most important thing for an individual to do. Wing Lim: [00:28:43] So what, at what time should one retain a tax lawyer? At a cost? Goran Ogar: [00:28:50] Yeah, I would say for tax lawyer in particular with the income of $200,000 plus, I think a tax lawyer is a must because the cost for a tax lawyer at that point, percentage wise as a percentage in relation to the income, becomes justifiable. Wing Lim: [00:29:08] Right. Yeah. Well, that's absolutely amazing. So I can share with people that, that I've learned tons and tons over the years. And when I tell people, when I meet with my accountant once a year is not ask my accountant, what do I do? Is I like do the Vulcan mind meld like Star Trek, but I suck him dry. I drive the two hour conversation and then I would pay the tax lawyer to give instruction to my accountant. Right. So that's, and inspired advisors like you, Goran, right are so, that is so rare. So rare. Well, so I want to thank you for this really, really valuable small lesson. And you definitely will be back many, many times. Let's open up the floor because we want to keep it lively a little bit. So, Kevin, maybe you can take control. Kevin Mailo: [00:29:57] Yeah, I'll be happy to moderate. And I'll add that Goran is going to be joining us for a portion of our conference May 6th and 7th. So we got those comments, you know, from some of our webinar guests say it feels like drinking from the from the fire hose, listening to Goran talk, I couldn't agree more. And I'm right in that category myself. So if you're feeling overwhelmed or there was a lot here, this is going to be up on the podcast, so you can always listen to it again. But more importantly, just reach out to us, connect with us. Goran is going to be at the conference to answer these questions and explain these concepts in more depth. Because there is a lot here. And like Wing said, we're just glancing at the chapters of a very big book here. But if we do this properly, this can mean hundreds of thousands of dollars over the course of our careers. Right? And we sit there chasing returns on the public markets or other investments. And we're not, we're not really paying attention to the single biggest line item in our lives, which is personal and corporate taxation. So it's worthwhile doing what Wing does. Learn some of this stuff better than your accountant so that your tax lawyer can send instructions over. But that takes time and I'd encourage everybody to come and join us May 6th and 7th for a bit of a deep dive in some of these topics. So with that being said, if anyone has questions, go ahead and ask them or reach out to us via email or connect with us on the website. Kevin Mailo: [00:31:19]  All right. We got one question. We got one question. From one of our master class participants. Thanks, Goran. Is the investment in whole life insurance going to be managed like mutual funds? You sort of touched on this earlier. Do you want to explain that a little bit more? Goran Ogar: [00:31:34] I did, and I do, yeah. So there are two types of permanent insurance. There is universal life and there is whole life. With the universal life, you manage the portfolio just like your mutual funds portfolio. So you have probably 500 choices, with most of the companies you have 500 choices of the investments. You manage them like a mutual fund. With the whole life in particular, the company gives guarantees. So the insurance companies, they manage that portfolio for you and the income is fixed. So there is no fluctuation like in mutual funds. So they're not phased, but whatever is happening with the market. So the income is fixed on the whole life. Wing Lim: [00:32:21] Which is amazing already. Kevin Mailo: [00:32:25] Wow. Are whole life premiums like a corporate rate expense? I'm hoping I'm getting that right. Wing Lim: [00:32:32] Is it a corporate expense? Kevin Mailo: [00:32:35] Yeah. Goran Ogar: [00:32:35] No, it's not. There is a very narrow reason when a life insurance could be a corporate expense. That is, if the bank, let's say if you're borrowing money from a bank, if they require that the principals of the corporation be insured, life insured, only then the premiums end up being corporate expense. Wing Lim: [00:33:00] So you mean when we buy a life policy, like a whole life policy, for example, inside a corporation is a personal expense not a corporate expense? Goran Ogar: [00:33:08] No, it's not considered. So it's after tax dollar to the corporation. Wing Lim: [00:33:14] Okay. But it's still inside a corporation. Goran Ogar: [00:33:17] It's inside the corporation, that's inside. Wing Lim: [00:33:19] Inside PC not personal. Goran Ogar: [00:33:20] Inside PC. It's not personal. That's right. Right. Speaker5: [00:33:25] Hi. Thanks. Sorry, I can't come online. I can't show my face. Kevin Mailo: [00:33:31] All right, go for it. Go for it. Speaker5: [00:33:32] That was very, um, my head is still spinning. So lots of good stuff, right? So I just wanted to be sure that it's like, after you do your tax year and you have money left over, you pay taxes on it. So whatever you do with that, you can buy life insurance with that, just like you would do an investment in your corporation. So it doesn't have to be from the personal side. Goran Ogar: [00:34:03] Yeah,it's not from personal side. So if it's corporate owned, exactly how you explain. So after you pay corporate tax, then you use those funds to invest money inside the permanent insurance. Speaker5: [00:34:15] Okay. Thank you very much. Goran Ogar: [00:34:17] Very welcome. I see the question, what about term life insurance? Same thing with the term life insurance. Only if the lender requires that there is life insurance on the principals, then the term life insurance could be deductible. Otherwise it's not. To the corporation. Wing Lim: [00:34:43] There's another question. There's somebody raising hand, but there's a question ahead of that. Who would you recommend, like term life insurance versus whole life insurance? Goran Ogar: [00:34:52] Okay. So where I would recommend the term insurance is, for example, there is, let's say, a startup company and there is a buy sell agreement between the partners and they're planning to build the company and sell it maybe in 5 to 10 years. So where there is an exit strategy that close, then I would say go for the term insurance rather than the permanent insurance for the reason of it's less money to be put in because more money is required for the corporation maybe to run. In that case, I would say term insurance because there is no other plan in a tax planning that's involved. Now, if the desire is to do additional tax planning, then I would look at the strategies with the permanent insurance. Does that answer the question? Wing Lim: [00:35:45] So in my mind, just my 2 cents worth, we all have cell phones, right? And I would say that the cheap term life is this is a phone you can call somebody. But now people use more than just phone, right? Your whole life is managed. Right? So whole life or permanent life policies is not just a term, but a bunch of other stuff. You can use a lot more. Goran Ogar: [00:36:05] That's right. Now, what's very important to remember, the premiums for the whole life appear to be more expensive than the term insurance and I carefully use appear to be more expensive. The cost of insurance is actually pretty much the same. Term insurance ends up being even a little bit more expensive, about 5% more expensive, than a whole life insurance because the rest of the money, whatever is the difference in the premiums, so whole life being a higher than the term insurance in terms of premiums, the spread that's here is actually what's going toward your investment as a cash value eventually that could be used for the retirement or as a collateral what we discussed earlier. And so term only appears to be cheaper. But in reality they're more or less the same cost. Kevin Mailo: [00:37:02] You mentioned a number of strategies like capital gains stripping, whole life, family trust. Is this one after the other depending on net worth? At what net worth would these be applicable? So how do you deploy these? How do you put these together? Or do we need to sit down with someone like you, Goran, who says now's the time to do a trust, now's the time to do capital gains stripping, all that. How do we deploy all these strategies? Right? Goran Ogar: [00:37:29] I wouldn't say there is - how would I say - there is a rule at the net worth thresholds when you start applying these strategies. With the capital gains stripping, I would say income over $200 to $250,000. That's when you start with the capital gains stripping. With the whole life, you can start at about $150 to $200 or more. With the family trust, I would start looking probably at about $350,000 income. And then with the foundation, the foundation would come after that. So there are certain stages where a person would apply one strategy and then when they hit another threshold in income, then apply another strategy. Et cetera. And beside these four strategies, there are other strategies as well that depend on the net worth of the individual. There is always a potential for the offshore tax planning and stuff like that. So yes, to answer that, it depends on the net worth which strategies would be applied, at what stage in life. Does that answer the question? Kevin Mailo: [00:38:42] I think it's great. Speaker5: [00:38:43] Yes. Thank you. Goran Ogar: [00:38:44] You're welcome. Speaker6: [00:38:46] Sorry. I'm not sure if we got you. Goran Ogar: [00:38:49] Now we can hear you. Speaker6: [00:38:50] Oh, really? I've been typing for the last two minutes of my question there, so. Kevin Mailo: [00:38:55] No, no, no. Go, fire! Speaker6: [00:38:57] Okay. Thanks a lot. Like, you've been, like, really enlightening and helpful on really making the tie between the strategy and how it's used in corporations, because I did read about this, especially in the States, and I've asked locally and tend to only get like deer in the headlight looks from advisors. So it really sounds like you've known how to put this thing to use. It's a bit of like a personal scenario kind of question, but one way, well, there's really two questions. One way I saw potentially using this strategy is in 4 or 5 years we wanted to maybe do something like building a house. I understand there's a bit of like a build up to this, the whole life insurance before it starts paying its own premiums. I'd just be curious to see if you've ever used it this way so that essentially those loans can be taken out, taken out personally to do something like to pay for like a house build or a mortgage or something like that. Goran Ogar: [00:39:59] That's right, it could be. Yeah. So there is a strategy that we called immediate financing arrangement where you can set up a whole life policy and you can literally collateralize that immediately and get 100% of the premiums outside of the corporation as a personal loan immediately, pretty much. So whatever the amount of money is that you would need, structure the premiums for the whole life to be in that range and then you can borrow it outside of the corporation personally right away. Speaker6: [00:40:36] Wow. Okay. That sounds pretty powerful. And the second piece was like, is it ever too late to implement like working towards like a whole life? Let's say somebody had collected or done the RSP route for many years. Is there a way to to move things around or how would that work? Goran Ogar: [00:40:59] Yes, there is. Yes. Now, on the personal side, so this would be outside of the corporation, you see. As long as the person is comfortable using loans, what I've done in the past is I would set up an investment loan and I would pay the interest from the RRSPs. You see, because investor loan for the investment purpose, the interest that you pay on it is tax deductible. The income that you withdraw from the RSPs is taxable. So essentially you would be using RSP money to pay for the interest on a non RSP loan so they would neutralize each other from the tax perspective. That way you could freeze the RSP growth and slowly start transferring money into the non RSP vehicle with significantly better taxation than the RSPs down the road. So. Speaker6: [00:41:57] Okay. I think I'll have to like draw a chart to make that make sense to me. But I think I got what you're saying. Goran Ogar: [00:42:02] So again, you have RSP, you have a loan, and let's say RSP is, I'll just use round number for for the sake of illustration, the RSPs are $100,000. The loan is $100,000. Let's say the interest is 5%, which is $5,000 per year. You withdraw from the RRSPs $5,000 per year, which would trigger tax on the $5,000 per year. But the moment you pay the interest, the tax is neutralized because the interest on the loan for the investment purposes is tax deductible, you see. So you're feeding the loan, if you will, with the RSP money without triggering any tax. Kevin Mailo: [00:42:44] Wow. Wow. Absolutely. Wow. Goran. Speaker6: [00:42:52] Yeah, it's cool. Goran Ogar: [00:42:54] Does it make sense? Does it make sense now the way I explained? Kevin Mailo: [00:42:57] Yeah. Wow. Wing Lim: [00:43:01] Well, there's so much now to do. Kevin Mailo: [00:43:04] We got another question. Let's go. All right. We'll we'll find some way to cover all this later. Okay. About whole life insurance, as you mentioned, a few years ago the law changed. And this participant wrote in, I purchased one policy prior to that change in the law. But what was the change? Can you explain the change in whole life? Goran Ogar: [00:43:25] Yeah. So number one caveat. If you bought it before the change, your policy is grandfathered. So the old rules applied, which means what's in insurance industry called MTAR Room. So it's an acronym. But essentially what that is, it's the amount of money that you can invest inside whole life policy for the cash. So the government saw that that amount was being, let's call it abused, from their perspective or overly used. So they decided to reduce the amount of money that could be invested on an exempt basis inside the whole life policies. So that reduction was probably to the tune of about 30% that they cut it down. So back in 2016, you could put significantly more money as an investment portion inside the policy as you can right now. But there are ways to work around that as well. So there are not straightforward as it used to be before, but there are ways to increase that investment portion. So to answer your question, if you purchased yours prior to the changes, nothing would change to you. For people who did not buy it at that time but bought it in 2017 or later, the amount of money that they can invest inside the policy is significantly reduced then to your policy. Wing Lim: [00:44:59] All right, this is awesome. Now, so I'm aware of the time as well. Now, there was a comment earlier in the chat and that is, oh, this sounds so expensive. So can you go on all these strategies? What kind of cost and is it cost benefit ratio? How do you balance that? Goran Ogar: [00:45:17] Yeah, the reason I mentioned some of those thresholds is that proportionally to the income, so whatever strategy you implement in proportion to your income, it would be significantly cheaper to implement those strategies. Even if you need to pay a tax lawyer let's say $10,000 to set up one of those strategies for you, $10,000 in that strategy would probably save you $50, $60 or $100,000 in income tax. So it may sound expensive just to write a cheque, let's say, to a lawyer, but when you look at the tax that you would save, it ends up being actually more beneficial to pay a significantly smaller amount to the lawyer than to the government. Wing Lim: [00:46:08] So from personal experience, okay, so if you don't know anybody, you have no discount pipeline could cost you 35 K, but it saves you if you do $1 million pipeline suck out of your corp, you can save $375,000. So in that savings is 300 K so, right? I've done it twice. So there's always a cost and then a good advisor would help you work that through. Right. So if you only have so little pool, for example, you pull 50 K out, it's really not worth it. Right. Goran Ogar: [00:46:39] That's right. Yeah. Wing Lim: [00:46:40] Yeah. So. All right, good. Now, so this is, this is awesome. So now, so I don't want to drown everybody because this is already a whole lot of information. And I think the whole point is to expand your brain, right? I think our brain is like, what do you call it? The airbag driving. Once you decompress it, you need to shove it back and you can't. Right? So my brain, that happens multiple times. And so hopefully tonight that creates this decompression in your brain. This is a good place to wrap up. Kevin Mailo: [00:47:10] Yeah, I think that ought to cover it. And clearly, clearly we've got to get Goran back on for another webinar, for a podcast episode, because this was probably our longest by far and away because it was so good. We loved it. Wonderful. And I'm going to wrap up here before my busy six year old starts taking up all my time and and space. But again, Goran, we sincerely want to thank you for coming on today. It was absolutely outstanding and we're looking forward to having you at our national conference, uh, this May 6th and 7th. Goran Ogar: [00:47:46] Yeah. Looking forward. Wing Lim: [00:47:48] Thank you, Goran. Really appreciate your time and your wisdom. Goran Ogar: [00:47:50] Thank you, guys. Yeah. Wing Lim: [00:47:51] Thank you, everyone, for attending. Good to see you all. Kevin Mailo: [00:47:54] Thank you so much for listening to the Physician Empowerment Podcast. If you're ready to take those next steps in transforming your practice, finances or personal well-being, then come and join us at PhysEmpowerment.ca - P H Y S Empowerment dot ca - to learn more about how we can help. If today's episode resonated with you, I'd really appreciate it if you would share our podcast with a colleague or friend and head over to Apple Podcasts to give us a five star rating and review. If you've got feedback, questions or suggestions for future episode topics, we'd love to hear from you. If you want to join us and be interviewed and share some of your story, we'd absolutely love that as well. Please send me an email at KMailo at PhysEmpowerment.ca. Thank you again for listening. Bye. 

Welcome to Buzzed with Brian! The last episode of 2022 is here! This week on the podcast the next installment of the India Pale Ale series is here. The Cold IPA is a relatively new and loosely defined sub style in the India Pale Ale family. Brian goes over the history of this new style, and features a frosty selection from 608 Brewing Co in La Crosse, WI. Thanks for all your support in 2022, enjoy New Years, and as always… Cheers Beers!  After you consume the content and the beer, please write a review, follow us on social media, and hit that subscribe button. I would think you're pretty neat if you did!https://linktr.ee/buzzed_with_brianhttps://www.608brewingcompany.com/Host & Producer: Brian HansonChief Editor & Engineer: Matt SchabelPodcast Art Director: Amber SchabelMusical Score: North Breese, a strong wind to carry you into 2023.  https://open.spotify.com/artist/1jSw7NOndAf9I85UaN2dL7?si=uoK6J0TmQua8ztaiF6ceOAHistory/Style Credits: Many leather bound books, my noggin and these sites... https://www.craftbeer.com/beer-styleshttps://www.wayfinder.beer/cold-ipahttps://newschoolbeer.com/home/2021/2/what-is-a-cold-ipa-wayfinder-kevin-davey-definitionhttps://www.hopculture.com/cold-ipa/

This week we look at the frost death knight cards that we've seen and talk with our special guest Sendmeyourarms !!!    Where can we find you? Doctor 3 Twitter: @Doctor3HS Email us: doctor3hs@gmail.com Discord - Top pinned tweet   Kat - @Alkaline_Kat on twitter, twitch.tv/AlkalineKat Dragon - @dawniedk on twitter, twitch.tv/dragonriderTCCG Mage - @mageadeath Comics Over Time podcast @comicsovertime Smarms - @sendmeyourarms, twitch.tv/sendmeyourarms *BOOM*  

The gang makes landfall at the Frozen North, drawing ever nearer to Addernack Allwater's tower. [Content Warning: Awkward Goodbyes, Tempting Holes, Pantera] Bonus Content: https://www.patreon.com/spoutlore Discord Community: https://discord.gg/6cAQxeQM2t

The gang is making an end run for the Frozen North but end up running afoul of some dangerous waters...and self destructive behavior. [Content Warning: Enabling Behavior, Divorced Dads, Improper Disposal of Recycling] Bonus Content: https://www.patreon.com/spoutlore Discord Community: https://discord.gg/6cAQxeQM2t

A podcast episode RECORDED IN SCOTLAND! WE'RE GLOBAL! Okay, maybe not quite but a man can dream. In this episode I talk 'briefly' about my journey up to the Frozen North for my brother's wedding. Maidenhead -> Sheffield -> Glasgow -> Scenic route via Iverness to Isle Of Skye. It's been one heck of a journey and look forward to sharing more details next week but until then, enjoy!

No Agenda Episode 1469 - "The Nurge" "The Nurge" Executive Producers: Sir John Dame Meowdison, Baroness of Central Florida Nick Leary Nathan Winder Earhopper Jessica BNAdstra RAJEEV VOLETI Sir David French Associate Executive Producers: Morgon Slagle Sir Hey Chief Dix, Nice Pen!s! Become a member of the 1470 Club, support the show here Boost us with with Podcasting 2.0 Certified apps: Podfriend - Breez - Sphinx - Podstation - Curiocaster - Fountain Title Changes Dame Meowdison -> Baroness of Central Florida Sir Kurt of the Frozen North --> Sir Kurt, Baron of the, Frozen North Sir Spud The Mitey -> Baron of the Villa Straylight Knights & Dames Suzanne --> Dame Suzanne of the Frozen North Jonathan Walker -> Sir Quigley the Cantankerous Alan Dix -> Sir Hey Chief Dix, Nice Pen!s! John -> Sir John Art By: Capitalist Agenda End of Show Mixes: Sir Michael Anthony - Rolando Gonzalez - Tom Starkweather Engineering, Stream Management & Wizardry Mark van Dijk - Systems Master Ryan Bemrose - Program Director Back Office Aric Mackey Chapters: Dreb Scott Clip Custodian: Neal Jones NEW: and soon on Netflix: Animated No Agenda No Agenda Social Registration Sign Up for the newsletter No Agenda Peerage ShowNotes Archive of links and Assets (clips etc) 1469.noagendanotes.com New: Directory Archive of Shownotes (includes all audio and video assets used) archive.noagendanotes.com RSS Podcast Feed Full Summaries in PDF No Agenda Lite in opus format NoAgendaTorrents.com has an RSS feed or show torrents Last Modified 07/17/2022 16:51:25This page created with the FreedomController Last Modified 07/17/2022 16:51:25 by Freedom Controller

Serving as Governor General for six years, Earl Grey travelled the country, tried to change the image of the Frozen North, supported women's suffrage and Asian-Canadians. He would also donate a trophy that has become an icon of Canada, the Grey Cup. Get 20% off your Manscaped order by going to www.manscaped.com and using the code EHX Support: www.patreon.com/canadaehx Donate: https://www.buymeacoffee.com/craigU Donate: www.canadaehx.com E-mail: craig@canadaehx.com Twitter: www.twitter.com/craigbaird Instagram: @Bairdo37 YouTube: www.youtube.com/c/canadianhistoryehx

this was an episode originally recorded in December shortly before some issues held us up for a while. I will be releasing a couple previously unreleased episodes before Strange Range starts back up on our new regular schedule. Starting 4/6/22, we will be uploading every wednesday.

First broadcast on September 05, 1960. Silent film pioneer Buster Keaton discusses his career following the release of "When Comedy Was King," a compilation of some classic shorts by Keaton, Charlie Chaplin, Harold Lloyd, and others. Keaton reveals how they shot the early silent films, generated material and gags, how they planned big chase scenes, the resurging European interest in silent classics, and more. Studs asks Keaton about the stylistic differences between him and Chaplin, whether he would recreate silent films, and how they compare to today's film-making. Keaton reveals how little was scripted but rather improvised in between a start and finish. Keaton describes some classic gags in films like "The Frozen North," "Sherlock Jr.," and "The Navigator." The discussion concludes with Keaton's thoughts on performing on television in front of a live audience.

The party arrives at the Northern Island and has to make some decisions about how to proceed. Always their strong suit. After some deliberation about where to berth the ship, our adventurers take their first steps on the frozen tundra of the North. What lies in wait for them here? Does Semyaza know they've arrived? And which one of them is gonna yell and cause an avalanche first? Find out on this week's episoe of The Last Refuge.    TLR LINKS:  Twitter/Instagram: @dndlastrefuge  Email: dndlastrefuge@gmail.com  Website: www.dndlastrefuge.com  Patreon: www.patreon.com/dndlastrefuge  Merch: bit.ly/tlrmerchstore DMs Guild/DriveThru RPG (use this link when you purchase and TLR gets 5% of whatever you spend!): https://www.dmsguild.com/?affiliate_id=705437  Idle Champions Electrum Chest Code: CLAG-ADAW-SPIM (Game info available at CodeNameEntertainment.com)      MUSIC/SOUNDSCAPES:  Druid's Grove - Maiden of the Wild - Score by Marc Cholette  From: BattleBards.com  Under License: BattleBards Podcasters Audio License  Ghost Story by Kevin MacLeod  Link: https://incompetech.filmmusic.io/song/3805-ghost-story  License: https://filmmusic.io/standard-license Gathering Darkness by Kevin MacLeod  Link: https://incompetech.filmmusic.io/song/3798-gathering-darkness  License: https://filmmusic.io/standard-license  Winter Reflections by Kevin MacLeod  Link: https://incompetech.filmmusic.io/song/4632-winter-reflections  License: https://filmmusic.io/standard-license

I talk with the owners of Frozen North Hemp Donald Hible and Keith Sogla about their journey of starting their veteran owned, farm to product , CBD company and the journey to provide the best product to help people.

Things that surprised me when I relocated from the Frozen North, and... Disney Downgrades???? Things that have gotten worse at Walt Disney World since I was a kid and a few things that have improved. @southernfried www.southernfriedstorytime.wordpress.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/southern-fried-storytime/support

Season Two of Mighty Deeds kicks off with Tim Callahan’s Advent of the Avalanche Lords. Our band of 3rd level adventurers heads north from the Land of the Eight Cities to seek glory and gold in the Frozen North. But a midnight attack on the enchanted village of Krinnleton hints at a dire threat looming in the mountains nearby. Will the band be able to rise to the challenge? Find out on this week’s Mighty Deeds. https://www.patreon.com/MightyDeedsPod https://www.instagram.com/MightyDeedsPod/ Dungeon Crawl Classics, #DCC, #OSR, Old School Roleplay, Actual Play https://goodman-games.com/ https://www.icrpg.com/ Original music by: https://www.reverbnation.com/joeyhodge Original artwork by: https://instagram.com/cubiclebarbarian?igshid=1hayvcacick1b

This week on DEFENDERS OF THE NIGHT Daniel and Liz venture to the Frozen North for Gargoyles episode 225, Heritage. The team is still on their mystic boat ride BS, Professor Nick has BDE, and maybe there’s BEARGOYLES?!?! Thank you to Ian McGowan for providing the interstitial music. You can find him on Instagram and Twitter @eazy_breezy_mac, and check out his band at gooddeedmusic.bandcamp.com. Defenders of the Night is brought to you by CalamityCast; produced by Daniel Williams; and co-created by Daniel Williams and Liz Zerkel.

It's the season for giving, and Patreon backer Albert brings you this special episode as a holiday gift for his brother! In it, I talk about the monsters of cold and of winter ... without talking much about monsters at all, really. If you're enjoying the show, why not consider supporting it on Patreon? You'll get access to lots of new bonus content, including my other podcast, Patron Deities! Thanks to Ray Otus for our thumbnail image. The intro music is a clip from "Solve the Damn Mystery" by Jesse Spillane, used under a Creative Commons Attribution License.

Episode 152 Show Notes   Topic of the show: AG and RH discuss the differences between circling maneuvers at a towered airport and a non-towered airport, circling maneuvers for seaplanes, and circling maneuvers designed to keep a safe distance from surrounding airports.  Articles mentioned: http://code7700.com/pdfs/bca/bca_non-circle_circling_2017-09.pdf, https://code7700.com/kteb_circling_conundrum.htm, https://code7700.com/rot_vdp.htm     Timely Feedback: PATRON Bravo Charlie and former resident of Latvia tells us a little about aviation in that country. PATRON Mike Romeo has something to add to proper radio frequency change etiquette.   Feedback Sierra Bravo offers insight into the difficulty finding airports at night. PATRON Charlie Mike from the Frozen North asks about “N/A at Night” on local approach plates. Check out these articles from AOPA: https://www.aopa.org/news-and-media/all-news/2016/june/20/not-authorized-at-night and https://www.aopa.org/news-and-media/all-news/2016/june/27/ifr-fix   written by Dan Namowitz at AOPA. November Quebec wants to know how busy a non-towered airport has to be in order to get a new tower. PATRON Alpha Lima laments about being denied practice approaches at TRIAD due to a frequency issue.   Have a great week and thanks for listening!  Visit our website at OpposingBases.com You can support our show using Patreon or visiting our support page on the website.  Keep the feedback coming, it drives the show! Don’t be shy, use the “Send Audio to AG and RH” button on the website and record an audio message. Or you can send us comments or questions to feedback@opposingbases.com. Find us on twitter @opposing_bases.  Music by audionautix.com.  Third party audio provided by liveatc.net.  Friends of the show and maker of bags to protect your ATC headset from dust and germs: ATCSaks.com. Legal Notice  The hosts of Opposing Bases Air Traffic Talk podcast are speaking on behalf of Opposing Bases, LLC.  Opposing Bases, LLC does not represent the Federal Aviation Administration, Department of Transportation, or the National Air Traffic Controllers Association.  All opinions expressed in the show are for entertainment purposes only.  There is no nexus between Opposing Bases, LLC and the FAA or NATCA.  All episodes are the property of Opposing Bases, LLC and shall not be recorded or transcribed without express written consent.  For official guidance on laws and regulations, refer to your local Flight Standards District Office or Certified Flight Instructor.  Opposing Bases, LLC offers this podcast to promote aviation safety and enhance the knowledge of its listeners but makes no guarantees to listeners regarding accuracy or legal applications.

This week Erin M Evans and B. Dave Walters talk about the lore of Icewind Dale, Auril the Frostmaiden, and some of the new monsters that came to Idle Champions! Starring: B. Dave Walters (A Darkened Wish, Silver & Steel) https://twitter.com/BDaveWalters Erin M. Evans (Brimstone Angels, Dungeon Scrawlers) https://twitter.com/erinmevans Host: Treavor Bettis (Difficulty Class) https://twitter.com/TheTreavor Idle Champions of the Forgotten Realms is available on Steam and Web, PS4, Xbox One, Nintendo Switch, iOS, and Android devices.

#DnD5e #DMsGuild News = First, Mike's free encounter #57.  Then, Tommy Willams (@tyguitaxe)writes on geektyrant about a new Mystery One -Shot.  Also, we have an adventure for Halloween that is not too scary.  Plus, we cover another article on a DMs Guild product of spooky subclasses.  Finally, our regular topics include top 5 DMs Guild products, newest free products.  Also, the newest Adventure league Adventure. This lasts almost 37 minutes   Links: Mike's Free Encounter #58: Bone Shaper   New Articles About Dungeon Master’s Guild Products on the Internet: Enjoy More Evolving Magical Items in D&D with AWAKENED BLADES VOLUME 2 Enjoy Halloween with Less Horror in GNOMES IN THE NIGHT D&D Supplement Use These Spooky Subclasses for Your Halloween DUNGEONS & DRAGONS Adventures Use These Spooky Subclasses for Your Halloween DUNGEONS & DRAGONS Adventures Some Haunted Stories You Can Run on Halloween Hallow Man- Halloween Special Edition All Hallows Eve: ReAwakening - A Halloween Adventure The Well in the Woods (A Halloween Special) Curse of the Headless Horseman (A Halloween themed adventure) The Balov, A Horror Film Inspired Halloween Adventure Top Five Titles on DMs Guild Exploring Eberron Icewind Dale: Rime of the Frostmaiden Complete DM's Bundle (maps, guides, cheatsheets and more) Eyes Unclouded  Codex of the Infinite Planes The Yokai Compendium Five Newest Free or Pay What You Want Products The Fallen - A Warlock Subclass for 5e Gnoblins Berdusk Till Dawn Augmented Casting - Feat  Cleric: Summer Domain - Children of the Sun New Adventure League Adventures on the Dungeon Masters Guild DDAL10-01 The Frozen North

On this edition of The Auburn Observer Podcast, Justin and Painter talk about what we learned from the Tigers’ week of practices and the third fall scrimmage. This is a public episode. Get access to private episodes at www.auburnobserver.com/subscribe

The group begins passage to the Frozen North, and learns quite a bit about the crew taking them there. The post S2E36: Master Mate appeared first on The Side Quest Inn Podcast.

Join me today as I speak with Brother Steve Donely, pioneer and veteran missionary to the Frozen North, as he tells us about a unique missions conference!   To Follow Their Story: All Points Baptist Mission or iceroadpreacher.ca

Join me today as I speak with Brother Nathan Jones, missionary to the Arctic, as he tells us about God's faithfulness in protection while living in the Frozen North!    To Follow Their Story: nbjones4arctic@juno.com

Episode 128 Show Notes Topic of the show: AG and RH discuss how controllers all have their own way of doing things.  What happens when we sit down and the previous controller created a situation we don’t like?  How do we make the problem run our way?   Timely Feedback: Delta Victor from the approach control mentioned last week responds to our discussion about an arrival to a Class Delta being left to high. Thank you, DV! Charlie Whiskey Sierra want to know why pilots are using up frequency time to check their ADS-B. Link: https://adsbperformance.faa.gov/PAPRRequest.aspx PATRON Tango Foxtrot interprets “practical” and “practicable”. Army Juliet Golf gives his input on “land as soon as practical”. PATRON Hotel Bravo has input on the ADS-B testing issue.   Feedback PATRON Sierra Mike wants to know how controllers keep all this information together. PATRON Charlie Mike from the Frozen North has a question about pilots and controllers getting to know each other. PATRON Charlie Alpha Whisky want to know about our experience with intercept phraseology as heard on the introduction audio.   Last Week’s question: After being issued a traffic call from ATC, are you required to find the target?  If you do see the target, are you required to tell ATC you have it in sight?  And if it’s traffic to follow and you have them in sight, is the pilot required to maintain a standard of separation in terms of mileage?  Tell us here.   Have a great week and thanks for listening!  Visit our website at OpposingBases.com You can support our show using Patreon or visiting our support page on the website.  Keep the feedback coming, it drives the show! Don’t be shy, use the “Send Audio to AG and RH” button on the website and record an audio message. Or you can send us comments or questions to feedback@opposingbases.com. Find us on twitter @opposing_bases.  Music by audionautix.com.  Third party audio provided by liveatc.net.  Friends of the show and maker of bags to protect your ATC headset from dust and germs: ATCSaks.com. Legal Notice  The hosts of Opposing Bases Air Traffic Talk podcast are speaking on behalf of Opposing Bases, LLC.  Opposing Bases, LLC does not represent the Federal Aviation Administration, Department of Transportation, or the National Air Traffic Controllers Association.  All opinions expressed in the show are for entertainment purposes only.  There is no nexus between Opposing Bases, LLC and the FAA or NATCA.  All episodes are the property of Opposing Bases, LLC and shall not be recorded or transcribed without express written consent.  For official guidance on laws and regulations, refer to your local Flight Standards District Office or Certified Flight Instructor.  Opposing Bases, LLC offers this podcast to promote aviation safety and enhance the knowledge of its listeners but makes no guarantees to listeners regarding accuracy or legal applications.

Read more about Peter Freuchen's adventures in the book Arctic Adventure, My Life in the Frozen North.

Ralph and Dave are reunited and it feels so good! The boys are Frozen focused today. With the rookie draft in the rear view, it’s time to dive into the rosters going forward. Let’s go!

Back again and we talk Irwin Allen, VOYAGE TO THE BOTTOM OF THE SEA and other old network television shows. Remember CLIFFHANGERS? We do! We talk about SURVIVOR, Calvin's time in Iqaluit, Harry and Megan moving to Canada, and, of course, SUPER HEROES! We've got your amazing geeky conversation all right here!

Back again and we talk Irwin Allen, VOYAGE TO THE BOTTOM OF THE SEA and other old network television shows. Remember CLIFFHANGERS? We do! We talk about SURVIVOR, Calvin's time in Iqaluit, Harry and Megan moving to Canada, and, of course, SUPER HEROES! We've got your amazing geeky conversation all right here! --- Send in a voice message: https://anchor.fm/balloonjuice/message

In this episode we discuss the new Booktrust pack including Race to the Frozen North by Catherine Johnson, Looking at the Stars by Lewis Hine, Lightening Mary by Anthea Simmons, Ghost by Jason Reynolds and The Dog Runner by Bren Macdibble. We then let you know which books we've chosen to be our Christmas reads! From 5 mins - Eat Dirt by Goldy Moldavsky, A Very Large Expanse of Sea by Tahereh Mafi, The Harm Tree by Rose Edwards, Surface Breaks by Louise O'Neill, Chessboxer by Stephen Davies, One Would Think the Deep by Claire Zorn and Night of the Party by Tracey Mathias. Lounging with books will be back in the New Year. Until then Merry Christmas and don't forget to catch up on any episodes you might have missed. See you on twitter @lounge_learning.

In today’s Encore Meets episode, we meet theatre star Helena Blackman. Helena is currently starring in The Snow Queen, a festive new version of the Hans Christian Andersen classic written by Ciaran McConville, at Rose Theatre Kingston. About The Snow Queen: Tucked away in a long-forgotten corner of the city is an orphanage. Here Gerda discovers that she is no ordinary teenager, but a Child of Magic, hidden from the reaches of the evil Snow Queen. When she shows her powers to her best friend Kai, she unwittingly reveals their whereabouts. Kai is lured away, and Gerda must journey to the Frozen North into the Queen’s clutches to save him. Her perilous adventure includes an unlikely pirate captain and a talking reindeer, secretive elves and vicious trolls. As the Snow Queen rallies her forces, Gerda must learn the true nature of her magic powers to save Christmas and rescue Kai. This Christmas, be enchanted by Hans Christian Andersen’s powerful tale of love, magic and self-realisation. This glittering new adaptation features a wealth of local talent from the Rose Youth Theatre alongside a professional cast.

With the Roman Empire on its knees, Marcus Aurelius must raise and personally lead an army against the combined might of Germania and Sarmatia. Plague, famine, and economic ruin might have something to say about that. The Marcomannic wars have arrived.  Support the podcast: https://www.patreon.com/TheTurningWheel

If data is the new oil, are data centres the new oil rigs? Far into the north of Norway are some of the biggest data centres in the world. As a more internet enabled future, with AI and the internet of things, becomes reality – data more than ever needs a physical home. Inside a former mineral mine lies a huge data mine, next to a deep fjord, and the data is pinged back and forth across the globe. But the Sami, the traditional people of the region, have found traditional lands in some parts spoiled by huge hydroelectric dams.

Welcome to Episode 17 of Nooks and Crannies! Paa_ul_s Podcast: Action Flicks, First Blood Part 1ish This week on Nooks and Crannies, Paul Combs foolishly agreed to join Matty for what turned into an absolute marathon session, and I ain't talking about Paul’s Running, nope we did a genre deep dive on Action Movies. (5:05) We kick things off with an overview of some of the features of the genre, spoiler alert: not a lot (any) female leads until the 1980’s, so this is a dudefest episode…good thing Paul is so darn likable. Paul uses Commando as the quintessential action flick, we also name drop: Beverly Hills Cop as action-comedy, Rambo 3 to see Rambo in Afghanistan and the Last Action Hero as a perfect parody action movie. We then get into the real early history (8:15) including the Lumiere bros. classic “proof of concept” film from 1895 Arrival of a Train at La Ciotat technically this is the first “Action” film. (12:10) Buster Keaton (IMDB) gets a well deserved focus in this early history (1920’s), be sure to watch The General (1926) in Paul’s opinion it is his finest work or The Frozen North (1922) cuz its Buster in Canada! I also found this amazing interview he gave in the early 70’s overdubbed on a compilation of his greatest stunts. Paul reminded us all about Harold Lloyd who Matty treated like the lesser Keaton (14:35), but I did remember to bring up the famous hanging from a clock stunt from Safety Last! (1923). To cap the 20-30’s off, Matty gushes over Errol Flynn and the impact The Adventures of Robin Hood (1938) had on young Mamoo when he was a wee lad (20:11), but not this one from the 20’s that is really quite awful. After an awkward edit break where I was planning on playing a movie trailer but thought better of it…We chat about Paul’s favorite role model James Bond and who he considers the personification of his own personality Sean Connery (28:20). The 1950-60’s was dominated by Westerns and military films when it came to “Action” films, the 1970’s was kinda depressing and Sci-fi then took over the action genre for the latter half of the decade. It was not until the 1980’s that the genre itself became fully fledged. So in this last segment (33:00), Paul and I try to name as many movies as possible, including for some reason T1 and T2? The OG Mad Max, The French Connection (35:26) Paul has a doozy of a tidbit on this film, Dirty Harry, Bullet surprised to learn that this is one of Paul’s favorites and he smartly explained why the late 60-70’s saw a boom in car-centric action movies, Death Race 2000 (1975) the amazing early Sylvester Stallone film, Dirty Dozen and The Wild Bunch, Independence Day and Saving Private Ryan dunno why here but there you go. Oh right, Matt tries to explain why there is no such thing as a Canadian Action movie but does throw Last of the Mohican out there as a pitiful example (46:00). Then we finally cap this half!?! That’s right folks, this is only the first half of the Marathon. But we end with one of the most controversial reveals in Nooks and Crannies HISTORY, Paul almost gets booted..it got real ugly (47:26).  :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: N&C Links Archive of Episodes Topics and Lighthearted Complaints Watch Matty Fight on Social Ponder Evan’s Blurry Pictures Find Nooks and Crannies on Spotify Listen to Evan’s Much Superior Musical Picks Graphics by Donna Hume ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Proud of you Lindsay

WELL Better late then never..  this week the gang sits down to bitch about the horrible weather here in the great White North, along with some Punisher talk, New TV's and coffee cups!  This and so much more!   Sorry for the wait!  #KOGO

So sorry for the audio of this episode, it was spur of the moment, but now we know how to record over discord now. There will be more Dungeon World, we promise and it will be recorded properly.

Discussing limited cannabis cultivation with Aaron Worthen of Frozen North Farms while we trim his next offering to Fairbanks...Grape Fruit OG and Duct Tape. Chatting and Trimming with Hippie.

Martin Totland is a half-Swedish journalist and photographer from Norway. Cate Fogarty lived in Norway for three years. Under the careful moderation of Hunter ‘The Flying Dutchman’ Maats, they discuss the pros and cons of Scandinavian culture vs. the pros and cons of US culture, the Norwegian ‘Law of Jante,’ the Swedish mindset of ‘Lagom,’ the importance of dried cod in Norway’s 15th century economy, and the historical roots of the holistic, collectivist mindset often found in the frigid North. Don't forget to go to https://mixedmentalarts.online and check out the book list. Buy books through our amazon link, and use our Audible link to sign up! Go to our Patreon page, and if you've got some change, feel free to pitch in!

You can find Frozen North here: http://m.miniaturetrading.com/?action=selectCard&series_id=836&goal=&cards_lang=&sort=cASC&new_sort=n(hit extended format in the top right for best viewing)

Aaron Worthen, owner of Frozen North Farms, limited cultivation in Fairbanks, Alaska. He joins us to discuss dabbing, pros and cons of being a limited cultivator, and having fun being Hippie.

We're talking The Frozen North with Damfino founder Patricia Eliot Tobias. Learn more: www.TalkingBusterKeaton.com/episodes/016

Today's interviews are with Cycle BC and The Pacific Riding School. Derek and Tom have just returned from the Vancouver Motorcycle Show and they share tidbits about their trip. The Mecum auction in January was one one of the biggest and the entire assets of Excelsior-Henderson were on the block. Cycle World cuts back to quarterly issues and much more on this month's show.

My guest in the Speakeasy tonight is audiobook aficionado and fellow podcaster Casey Trowbridge! Casey and I discuss how audiobooks have helped him and others who have visual impairments, from way back in the day when they were still produced on cassette tapes (anyone remember those?). We also talk about what he likes and doesn't like when it comes to audiobook narration, and his vision for podcasting going forward. All of this over some hot chocolate (Casey lives in the Frozen North) and a classic daiquiri (I live in the temperate Southwest)! You can find Casey's podcast, Talking Audiobooks, at http://www.talkingaudiobooks.com, and you can find him on Twitter at @AudiobookCasey and @CaseyInSoDak.

Big Dave Phone Hack On The 20's: "You won a trip to warn-up in beautiful Hot and Sunny Put-In-Bay" "Isn't that in Lake Michigan?" And Chelsie's Not As Naughty As It Sounds Question Of The Day: After A Break-Up, 84% Of Women Do This? Learn more about your ad choices. Visit megaphone.fm/adchoices

In-studio chat with local LA Galaxy Supporter (soon to bleed Green & Blue) Memo Jimenez (@memo03). Review of the Galaxy match. USWNT discussion with Cat Peterson. Phone interview with @TwoUnitedFans and proprietors of the We Call It Soccer Podcast. (Check out http://fiftyfive.one for the state of soccer in the Frozen North).

We welcomed Gayle Reick of Savage Mojo who came on the show to make a special announcement concerning the epic fantasy setting of Shaintar. Back after a few months, we covered some Savage Worlds related news in Words from around the Worlds. We also needed the help of our friend Stephen Dragonspawn. Was he yet again the victim of Gary's "love"? Have a listen! Up to Four Players: Wild at Heart webcomic PEG: Red twill shirt PEG: GenCon incentives  GM Day Sale on DTRPG & RPGNOW 30% off until 14th Hellfrost Atlas of the Frozen North on sale until March 31st  FG Con 10 April 7th-9th, GM registration now open, player bookings March 17th Adventures of the Pulp Age! Pirates of the Dominions White Noise Shaintar Anthology: Southern Kingdoms Wild Die Poll on Savage Mojo Stephen's blog Stephen's YouTube channel Be sure to stay in contact with us- thewilddie@gmail.com, twitter @thewilddie and look for us on Google+  and at the Nerds-International Google+ Community also help support the show and get early access to the podcast through our Patreon! © The Wild Die is not affiliated with or endorsed by Pinnacle Entertainment Group or Official Pinnacle Licensees. Any of the products mentioned on our show or appear on our website are the property and copyright of their respected owners. All Music and Art Work is used with Permission of Pinnacle Entertainment Group . All items are used under fair use and educational and review purposes, All other Items are the Intellectual Property of The Wild Die Copyright 2015 . All rights reserved.

In which our Californian connection Brinton Williams returns to the Frozen North to commune with the Dungeonpunx selders. We talk about Dungeon Mastering techniques, fad update, the 90's Straight Edge fascination with angels and being hard, the cult movie The Prophecy and Brinton shares his thoughts on British confectionary

Reeve, Philip. PUGS OF THE FROZEN NORTH

Inspired by recent articles about the difficulty of making friends in the Frozen North, we've been thinking a lot about relationships and living in new, or familiar, places. On this week's podcast Francesca, Lindsay, Chris, and Jenny discuss the reasons people leave, what makes a home a Home, and the humbling act of returning to the familiar.

You’re listening to WWRVN, Radio Ravenclaw   Good Morning, Ravenclaw, you’re tuned to The Fresh Pot of Coffee! It’s Thursday, so get the recycling ready to go out tonight and meanwhile enjoy the Horoscope. Your Horoscope this week is brought to you by Haumea, the dwarf planet which is visually right near Arcturus at the moment. Arcturus is visible in the morning in this season, just follow the arc of the Big Dipper backward to the Really Bright Star. That’s Arcturus. Wave toward it and you’ll be greeting one of the Solar System’s favorite Trans Neptunian Objects. We used Haumeamancy to generate our predictions this week, so hold on for a stellar-fast ride! Octopodes 10+: “Dwarf planet, one-third the mass of Pluto”. this seems to indicate that you’re headed for a growth spurt. Alert your parents to fire up the crock pot and get yourself out there hiking, running, chopping wood, and carrying water. A growth spurt after about age 13 is all about putting down layers of muscle, so go do the things that your body is perfectly designed for! Get Strong, Stay Strong! Neon Tetras 20+: “Claims of discovery have been disputed and no discovery date or team is official.” My word. This week, Tetras, reinvent yourself! You’re not nailed down, you can rock the identity change. Here’s the thing. you discover yourself, decide what your major themes and minor motifs are then be yourself as hard as you can. thank you, Sir Terry Pratchett. Lions 25+: “Designated a dwarf planet and named after the Hawai’ian goddess of childbirth.” I don’t think it’s your height that could be growing. So, remembering that images of gestation and birth are about all kinds of creativity, it’s time to choose your next creative venture if you haven’t already, to block other creative ventures from happening if you take my meaning, to dedicate yourself to doing it the best you know how. That means swatch for your OWL, commit to writing 5K words/day then editing out 3K of them, or decide on some 25-year-plan goals. Fancy Goldfish 30+: “Its shape has not been directly observed, calculations from its light curve suggest it is an ellipsoid, with its major axis twice as long as its minor”. Well, I think this is clear - no one else can quite focus on you, use that air of mystery to your advantage, be a shapeshifter. Also, sort your Tasks into major and minor then give twice as much heart and love to the Things which are major. Narwals 40+: “Rapid rotation, high density, and high albedo.” OK, it’s going to be a heck of a week, Narwhals, full of high density and rapid rotation, but you will do really well at it and you’re gonna shine! Capybaras 50+: “Its gravity is sufficient for it to have relaxed into hydrostatic equilibrium.” Yeah. I’m with you, Sister Capybaras, a little extra gravity and a relaxed waistband are just about the price we’ve paid for the hydrostatic equilibrium. Would you care for a vodka martini while we wait for the children to grow up? Cougars 55+: “A surface of crystalline water ice”. Incoming diamond jewelry. Act surprised, but cool. Peacocks 60+: “the result of a giant collision, which left Haumea the largest member of a collisional family that includes several large TNOs and Neptune’s two known moons.” First, brace for family drama, and second if we are to be a bit less metaphorical, for the love of all that’s holy, buckle up. We care. Dragons 80+: Your mediation is requested, Ma’am. The Planetary Geologic Society is suing the International Astronomical Union for making decisions on sticking their noses into rock business instead of keeping with the burning gasses. I need some of that Frozen North action - She’s Natalya Arctica, I’m GazeboGal, and you’re listening to Radio Ravenclaw on the Wizarding Wireless Network!   SECURITY ALERT! SECURITY ALERT! LEVEL ONE! ALL AGENTS! Printers have been identified as a level one threat! They sleep most of the time, but when they break dormancy the best way to subdue them is to swat quickly and repeatedly at any paper that comes out. Printers become loud and angry and begin eating paper. The paper is changed after the printer has eaten it, and can not be trusted. It is not known whether or not the paper itself is a threat, so jump on it! Then, immediately lay on the paper until you know it is safe. There seems to be a great deal of printer unrest this morning, so be very aware, and protect your humans from the dangers of printers! Security Chief Andromeda Good Morning, Common Room, you’re listening to The Fresh Pot of Coffee! It’s the Friday Fondoo Review! Here’s our Fondoo Recipe of the day - today a Very Savory Fondoo! If your household has fondoo tonight, remember We Want Pictures here in the Common Room because this is Extremely Magical Radio. With pictures. Tonight, we’re going old school: get out your Uno decks! This weekend, the Advanced Studies Team will be on alert to help you with those last-minute thoughts! And now, the weather. • It is snowing where I am. That is all. The Weather Report is brought to us weekly by Wimbledon’s WeatherWorks, guaranteeing excellent weather for your venue since 1877. And now back to the music. Any music. I am rolling my dice… Woo-Hoo! A magical choice indeed! She’s the White Welsh Witch herself, Stevie Nicks! 
I’m GazeboGal, 
 and you’re listening to Radio Ravenclaw on the Wizarding Wireless Network.   Goodnight, Tower! In the great bronze Tower There was a group of ‘Claws and skychairs to be inhabited soon And a picture of- a dragon jumping over the moon And there were three little narwhals decorating the walls And a few NEWTS And many many OWLs and BROOMs There are some Pantheons And a young Trickster God And of course a great many octopodes Goodnight, Tower Goodnight, ‘Claws Goodnight dragon jumping over the moon Goodnight Narwhals Goodnight NEWTs Goodnight to the OWLs and the BROOMs Goodnight Pantheons Goodnight gods Goodnight Octopodes Sorting’s coming soon Thank you, Handdrawnviolist Good Morning! You’ve tuned in to The Fresh Pot of Coffee! It’s Wednesday, April 29th, except in Oceania where it is possibly 2017 by now. Just a few news highlights today - It’s raining in Devonshire it is not yet time to plant out your tomato seedlings, the Muggles will be confused when they thrive. Benjamin Bagby concert in Chicago Friday night! It has come to the attention of the Ministry that an Anistasis spell was illegally released in 2010 over many portions of the Wizarding World. If you have acquired a pet or familiar since then, watch carefully for signs that this creature could be an Animagus trapped in her or his animal form! Signs include, but are not limited to: vivid dreaming (evidenced by sleep-woofing); hypervigilance; constructing sandwiches out of human food. The Fresh Pot of Coffee is sponsored on Wednesdays by Weasleys’ Wizarding Wheezes - whether your wakenings are wailsome or wacky, our winsome wares will work out the wants of your workshop. We whizz the werewolf’s whiskers and wow the wildest widgeons! So wax their waffles, wobble their woolies, work up a list of wishes and wants, witches and wizards, and wander to Weaselys’ Wizarding Wheezes. Wednesday is WibblyWobbly Day - 10% discount to all patrons wearing a fez! Oh, dear sweet quaffle, it’s Wednesday, let’s get straight to the music. Taking it classic today, our nerves can’t handle much else - 
 He’s George Gershwin, 
 I’m GazeboGal, 
and you’re listening to Radio Ravenclaw on the Wizarding Wireless Network.   Tower, we have another letter from ChrisFixedKitty in Lindisfarne. Chris?   Dear Towermates, Hallo, everyone! My apologies for the delay in writing, but the regular postal owl convoy only comes to Lindisfarne once a week. Just as all the books about the history of medieval calligraphy say, this is a back-end-of-nowhere place, easier to reach by sea than by land, which is almost hard to tell from the sea much of the time, it’s so marshy. Yes, I said ‘postal owl convoy’, because lone owls are pretty much flying playtoys in the view of the younger dragons. No wonder poor Skrim was so raggedy when he brought me the directions here. The young ones do seem to understand that brooms sometimes bite back, so to speak, so flying in and out is pretty safe. Although there are a few dragons here that like to sniff all incoming visitors, in-flight, and say ‘hi’ at length. They really need to add a warning about that in the directions. Imagine a flying great Dane the size of a city bus jumping all round you and barking enthusiastic “hihihi!”as you enter a friend’s house. It’s like that, only include in your mental picture that said ginormous beastie has just barged straight up out of the treecover and nearly inhaled you and your broom and the airstream of its leap has flipped your broom over into barrel rolls. Yeah.  I don’t care if Walter is “a graaaate beeg softie, he couldnae love people more, here, have a towel for tha’ slobber. No, he rrrreallllly likes ya!” A warning would have been nice. I have no regrets about having thrown up on him during said barrel rolls. Walter, I mean. I do feel bad about hurling on Mr. C. Be assured that we arrived perfectly safely, although 2 days later than we were expected. So we were met some distance out from camp by one of the search parties, and it probably saved me another day of trying to pinpoint the camp itself. Preep has made several new friends among the drakelings and the preserve workers, but she-- yes, Preep has been confirmed as a she-- is still insistently huddling around the humans’ ankles every night after dinner. What –do- you do with a dragonlet who is afraid of being away from people in the dark? It turns out the usual answer is giving them a week to get over it and putting some magical nightlights around the camp. We’re on day 5. No change yet, fingers crossed. During the day, she seems happy enough here, scampering off after breakfast to play with the other dragons, and I’ve been playing Muggle tourguide around the Lindisfarne ruins and museum. One of the regular tourguides has been taken ill with dragonpox, and I’m already pretty familiar with the history of the place and Muggle vacationing expectations, so I’m going to be filling in for a bit. There’s a lot around here that they really shouldn’t be noticing, so there’s always one behind-the-scene illusionist and one up-front tourguide for every group. It works out pretty well. Some of the illustrations in the museum are like magical portraits, and a few of the monks have senses of humor about the tourists that are positively not helpful to maintaining wizardly secrecy! I expect to return with Skrim guiding me back a few days before the start of term. I should arrive the day before classes start. See everyone again real soon! -CFK Thank you, ChrisFixedKitty. Good Morning, RAVENCLAW!! Welcome to the Common Room for The Fresh Pot of Coffee! It’s Thursday and that means Horoscopes - Find your age, learn your Animal, and let the voices speak. 10+ Octopodes:They still do not expect Duct Tape! Use this to your advantage. We’re not quite sure how, but you still have the element of surprise going for you. 20+ Neon Tetras: The world is waiting for your leadership. This week, show them all how it’s done: hand knit socks and sandals. From strappy pumps to Birkenstocks, we count on you to answer the timeless question of “now I have these great socks, but no one will ever see them.” 25+ Lions:You have not swatched yet!!! Dear Sweet Quaffle go swatch for your OWL!!! 30+ Fancy Goldfish: Run, run, I tell you to the Prefects’ Challenge thread. We’re Crafting to the International Space Station! This is your term to knock back at least two miles of yarn. Yes it is. 40+ Narwhals: Project bags? check. Frozen meals? check. May and June schedule made out and on the wall/Google calendar for the family? check. Teacher gifts queue’d? check. You’re ready. 50+ Capybaras: Oh, dear one. It’s April. Almost May. Get another cup of coffee , you’re in for a bit of a bumpy ride. The stars say you’ll be close to caught up in about 10 days, but don’t aim for 100%. 55+ Cougars: There will be excellent … art… on Saturday morning on the green in town. You should go appreciate it. 60+ Peacocks: Today at 3:17 PM local time. They are going to mess up big time. Be there. Catch them in the act. Say nothing and let them blather on. Walk away silently. 80+ Dragons: We hope this met with your approval, Ma’am! Friends and Ravenclaws, the Fresh Pot of Coffee will be taking a term hiatus while we work on our Not-A-NEWT here in the station. This will be our last broadcast until August. We want you to know how much fun it is to serve you here on the airwaves. Keep the music rolling - we’ll leave you with some Serious Wizarding Power: They’re the Wyrd Sisters, I’m GazeboGal, And you’re listening to Radio Ravenclaw on the Wizarding Wireless Network!   Dear Ravenclaws,   This is station manager TindraTieren. I would like to let you know that despite the hiatus that the Fresh Pot of Coffee is taking, Radio Ravenclaw will continue broadcasting. We are constantly seeking fresh content, so if you have suggestions, ideas, or just want to drop us a line, please, let me know.   Thank you.

I chew the fat with owner Chris Corrigan at his vintage tavern turned eatery, the Lancaster Smokehouse, about the best way to barbecue ribs and his experience judging competitions in the southern US. His large restaurant in Kitchener, Ontario, Canada is always packed due to the delicious food.

Tommy Dakota talks to us from the Frozen North discussing show business as usual. Today's topic is the Oscars and the all time great films.

Now THAT'S what we're talking about!!! Welcome back to respectability, Gold Rush!!! We missed you! This teaser episode covers Parker and Fred's struggles to mine new land. It's pretty frickin' great! Send emails to OldMenOnTheMountain@gmail.com facebook.com/foolsgoldrush

This episode of the Frozen North Dinnercast is too big to believe. It's a whopping two hours long, and all 120 minutes that is a complete and utter waste of your time, but you know you want it. Although it wasn't the case when this was recorded, the Frozen North has now thawed, and future episodes may yet take place in outdoor venues. It's a scary time. Many things are discussed, as usual: farting at the office, Seven Psychopaths (some spoilers, kinda), Marcus' beat-ass Saturn, Courtney's obsession with Forrest Gump, and various other...nonesensical things. Hey, you like the show, right? Drop up an email to let us know at crosstawk@gmail.com, or on Twitter @zmiller1902, @Marchaos1, or even @Crosstawk! Crazy, right? You can also go to the website (crosstawk.com) and leave comments on the episode's post. That's just nuts. NUTS! THE FUTURE, PEOPLE! So yeah, do that. And...join us next time, when Marcus says "I'm not wearing any pants."

It's been longer than I wanted, but here's your biweekly dose of Frozen North goodness! We talk, this week, over excellent Chinese cuisine. Courney and Nelson learn the ancient art of high-fiving, and the entire group discusses the pros and cons of how you pronounce "literally." Are you pronouncing it in a way that irritates us? Then you should stop. As usual, you can rate us on iTunes (nicely), subscribe to the Crosstawk feed to get this show automatically when it posts, and leave comments on the associated Crosstawk.com blog post or send us an email at crosstawk@gmail.com! Enjoy the show--we literally had a great time recording it.

Hello once again from the Frozen North! Your brave and true of heart hosts decided to meet once again to cast our pods. It was a wonderful episode that quickly became extremely dirty. Oh yes, lines were crossed and we soon realized that we would never be the same again. So pick up your trusty …

SOLDIERS OF THE UNDERGROUNDMAD AS HELL AFTER HOURS MIX1-Mad as Hell (Original Mix) - Kraak & Smaak - Jalapeno 2-Albertino - Schneider, Galluzzi - Cadenza3-Tunnels (Sebo K & Metro Remix) - Basic Soul Unit - Mule 4-Ciboulette (Luciano Mix) - Vienna Vegetable Orchestra - Karmarouge Records5-Change - Detail - Loose 6-Perc and Drums - Ricardo Villalobos 7-Mederico - Guillaume & The Coutu Dumonts - Oslo 8-Love Love Love Yeah (Chloe Remix) - Rework - Playhouse 9-The Whisper Had It (Mark August Remix) - Simon Flower - PokerFlat 10-War Paint (Claude Vonstroke Remix) - poxyMUSIC Ft. Gina Mitchell - Freude Am Tanzen 11-In The Air (Further's Acid Relapse Edit) - Richard Davis - Punkt 12-Killerteppich - Robag Wruhme & Wighnomy Brothers - Music Krause 13-Chorizo - Martin Eyer And Toni Rios - Kickboxer 14-Nakuta - Timo Anttila - Frozen North 15-Jefferson and Braeside - Konrad Black - Wagon Repair 16-Light My Fire (Hot Rocks Club Remix) - Infected MushroomPodcastSoldiers of the undergrounds MUSIC FOR ALTERED STATES OF MIND

For July 31, 2007.  Twenty years ago today, the film 'The Living Daylights' was released in the United States.  I talk about the state of the James Bond film series in 1987, as well as my own fondness for Ian Fleming's iconic secret agent.It turns out that the James Bond 007 role-playing game actually ceased publication in 1987, when the publisher lost the license from the James Bond copyright holders.  The Wikipedia entry linked here has some interesting facts about the game and links to other resources on the Web. After the show there's a promo from the Icebox Radio Theater podcast -- bringing you great new and original audio theater from the Frozen North! Today's episode music is from "Sunrise," by Torchomatic.  Theme music composed and performed by Marc Rose.

On this episode of the Tuesday Touchback we cover all the happenings for the sports weekend of 9/14. GGG vs Canelo, UFC Moscow, NFL Week 2 and College Football Week 3. A lot happened this weekend, some good and some bad but we made the most of it. Show picks went 3-2 and Patreon faired a little worse to be honest, but hey that happens. Time to reset, retool and conquer the upcoming weekend. Lets increase that stack, one fistful at a time. Support: patreon.com/fistfulofcash Follow: Twitter- @FistfulC Insta- FistfulofCash Email- Fistfulofcashpod@gmail.com Sponsors: Check-your-mate.com Anxcnt_Awaken@gmail.com