Podcasts about Inverness

In 2015, the forensic anthropologist, Professor Dame Sue Black, was cast away by Kirsty Young.Brought up on the west coast of Scotland and in Inverness, she fell in love with biology at secondary school and read Human Anatomy at the University of Aberdeen. After graduation, she worked at London's St Thomas' Hospital as an anatomist, and police began to call on her to help identify bones.She spoke to Kirsty about the mysteries of the human body.You can find the full episode on BBC Sounds.

Since 2021, Argyll Hope Spot's Snorkelling Artists Residency has been offering artists the opportunity to explore the marine habitats of Argyll and create artwork inspired by what they find beneath the waves. Mark dons his wetsuit to join printmaker Louise Scammell and artist and writer Jane Smith who are helping to run the residency.Last week, Scottish Ministers approved a new seasonal byelaw to ban campfires and barbecues in the Cairngorms National Park at the most high risk times of the year. Rachel meets the Park's Grant Moir to chat about how the byelaw will work.Producer Phil heads to Inverness Marina to talk to former professional rugby player Iain Sinclair about becoming the first person to swim the entire length of the Caledonian canal.Mark catches up with Ramblers Scotland Director Brendan Paddy in Edinburgh to discuss the challenges and opportunities for walking, paths and access rights in the country.Rachel visits an oak woodland and speaks to Eilidh Mair from Woodland Trust Scotland about why this appears to be a mast year.In this week's podcast excerpt, we hear about the Bessie Ellen, a unique sailing ship that has been lovingly restored by Nikki Alford. Writer Linda Cracknell has a personal association with the ship and Helen Needham joins her on board in Inverness to hear about her new book ‘Sea Marked'.With a focus on responsible access this week, Mark and Rachel are joined by Senior Lecturer in Law Malcolm Combe to explore more about what our rights are.Walter Micklethwait lives at Inshriach in the Highlands and has been noticing some negative impacts of tourism in the area. Rachel talks to him about what he's been seeing, including a bit of an unpleasant poo related discovery.

In the week where Trump addressed the UN, Lib Dems conferred on the beaches of Bournemouth, and a Seagull Summit came to Inverness, Andy Zaltzman is joined by Simon Evans, Neil Delamere, Tiff Stevenson and Cindy Yu to break it all down. Expect talk of the Burnham from behind, the Boriswave, and the wettest generation since the floods.Written by Andy Zaltzman.With additional material by: Jade Gebbie, Miranda Holms, Ruth Husko and Peter Tellouche. Producer: Rajiv Karia Executive Producer: James Robinson Production Coordinator: Jodie Charman Sound Editor: Marc WillcoxA BBC Studios Production for Radio 4.

The Bessie Ellen is a unique sailing ship which has been lovingly restored by Nikki Alford. Originally from the South West of England, she spends most of her time sailing in Scottish waters. Writer Linda Cracknell has a personal association with the ship after she started looking into her family history and discovered that she comes from a long line of sea farers. Helen Needham gets a tour of this beautiful ship whilst she was moored up in Inverness and hears about Linda's book 'Sea Marked'.

Lyme disease is a bacterial infection passed on to humans by infected ticks. Symptoms can range from fatigue, joint pain and a circular shaped rash to facial paralysis and heart arrythmia. According to a British Medical Journal (BMJ) global health review, Lyme disease has likely infected about one in 10 people across the globe. Recently, pop star Justin Timberlake went public about contracting the condition. If treated quickly, most people will recover but there are still issues around diagnosing and treating Lyme disease. And globally, cases are on the rise. In this edition of The Inquiry, Charmaine Cozier explores what's behind the increase and hears about new tests and vaccines currently being developed. Contributors: Dr Sally Mavin, clinical scientist and Director of the Scottish Lyme Disease and Tick-Borne Infections Reference Laboratory, Raigmore Hospital, Inverness, Scotland Dr Armin Alaedini, Chief Scientific Officer, Global Lyme Alliance Dr Gábor Földvári, research group leader, Centre for Ecological Research, Institute of Evolution, Budapest, Hungary Dr Alessandra Luchini, Professor, School of Systems Biology, George Mason University, USA. Presenter: Charmaine Cozier Producers: Jill Collins and Emma Forde Researcher: Maeve Schaffer Technical producer: Richard Hannaford Production Coordinator: Tammy Snow Editor: Tara McDermott

Scotland promises unforgettable adventures, but even the best-planned trips can be derailed by a few common mistakes. In this episode, we reveal fifteen pitfalls travellers often make and share practical advice to help your Scottish journey run smoothly.Here are just some of the mistakes we discuss:Visiting Edinburgh in August during the Fringe Festival or Military Tattoo without booking accommodation and restaurants well in advanceUnderestimating the impact of midges in the Highlands and islands during summerForgetting how unpredictable Scottish weather can be — even in the middle of JulyLimiting your trip to just Edinburgh or Skye when Scotland offers so much moreAttempting to squeeze too much into a short itinerary, especially on long drives like the NC500Failing to secure accommodation, ferries, or restaurants months ahead in popular destinationsAssuming driving is the only way to explore Scotland, instead of considering scenic train journeysNot packing layers and waterproofs for every seasonCalling Scots “English” or mispronouncing place names like Edinburgh (“Edin-bra”) and GlasgowSkipping traditional Scottish food and drink, such as haggis, neeps and tatties, a full Scottish breakfast, whisky tastings, or even Irn-BruRushing instead of allowing time to slow down, soak up the atmosphere, and connect with localsIf you're planning a trip to Scotland, don't let these simple mistakes spoil your adventure. Take the time to explore beyond the tourist hotspots, prepare for every kind of weather, and immerse yourself in the culture, history, and warm hospitality that make Scotland such a special destination.

In this candid and raw Tough Girl Podcast EXTRA episode, we reconnect with the unstoppable Vedangi Kulkarni — the youngest woman to have cycled around the world, who's recently returned from doing it again. Now based in Inverness, Scotland, Vedangi opens up about her second attempt at cycling around the globe — this time not just for the journey, but in pursuit of a Guinness World Record. From racing Lael Wilcox to navigating border delays, funding pressures, and the relentless physical and mental toll of riding across five continents, Vedangi doesn't hold back.  This conversation is about pushing limits, embracing failures, and finding strength when things don't go to plan. Highlights from the episode include: Breaking a record in the Himalayas (Manali–Leh Highway) in 2023 Preparing to cycle the world again in 2024 — and finding sponsorship, gear, and coaching Struggles of travelling on an Indian passport and the challenge of visa logistics Being delayed at borders, detained, and ultimately forced to return to the UK mid-ride due to visa expiry Restarting in 2025, finishing the ride under the blazing Indian summer sun Dealing with the post-expedition blues and finding her footing again Vedangi's story is one of resilience, honesty, and fierce determination. Despite knowing she wouldn't get the world record, she kept going — driven by passion, grit, and the belief that stories worth telling are born from adversity. Now, she's looking ahead to her next expedition, ramping up her YouTube and Substack presence, and continuing to speak openly about the realities of life as a woman of colour in adventure sport.  Heads-up: This episode includes some strong language.  New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time)! Make sure to subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Do you want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon! Join me in making a difference by signing up here: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x Show notes Who is Vedangi From India but currently based in Inverness, Scotland  The Adventure Shed  Coming back from her 2nd ride around the world  Speaking to Vedangi in Sep 22, 2020 - Vedangi Kulkarni - The youngest woman to have circumnavigated the world on bicycle.  Tough Girl Extra Oct 27, 2022 - Vedangi Kulkarni - Adventurer and endurance athlete moving into mountain biking and crossing Svalbard.  The focus of this episode - what Vedangi has been up to over the past couple of years Deciding to cycle around the world again 2023 - visiting the Himalayas and going after a point to point record. GWR for being the fastest women to cycle the Manali-leh Highway  Getting her win  June 2023 - starting to be vocal about her goals in 2024 Getting the sponsorship and funding in place  Needing £20k  Working with Canyon Bikes  Speaking to the bike experts  Getting a gravel bike and specking it like a road bike Being an Ambassador for RAB  Working with Tailfin - and having custom build gear  3D printed mounts  Struggling to get sponsorship from Indian companies Getting only 1 Indian Sponsor at the last moment Training and working with Jon Fearne from E3 Coaching   Following a training plan and putting in the best effort with it Applying for visas and planning the route with an Indian passport   The challenges of getting to the start line Racing against Lael Wilcox (who was attempting the same record at the same time) “Why do I think I can do this? I don't stand a chance”  Mental blocks and challenges The challenges of travelling on a weaker passport  Having no room for errors - everything needs to go to plan Why it wasn't a level playing field  Speaking with Lael before heading off - women supporting women Knowing that she wasn't going to get the record and keeping on going Having a good story to tell Dealing with setbacks and failures and keeping on going  The route and how it was slightly different to the first time Starting on the East Coast of India Riding across Mongolia and then on to Australia  Challenges with border crossings and getting detained and delayed  Needing to fly back to the UK on Christmas Eve due to UK visa regulations  Needing to stay in the UK for 2 months  Getting back to India in March 2025 to finish the ride  The challenges of the heat - going from Scottish winter to an Indian Summer Feeling satisfied once the ride was finally done.  Adventure blues after the ride Planning her next record attempt and expedition.  Wanting to push her limits further Why health isn't guaranteed  One precious life and you've got to get out there and live it Balancing everything that's going on  How to connect with Vedangi on social media  Kickstarting her YouTube again Getting more active on Substack  Final words of advice for women who want to push on through their barriers Embracing failure and not letting it dim your light - it's not always going to go to plan  Be motivated to try your best The journalling process and how it can help mentally with self-esteem    Social Media Website: vedangi.info  Instagram: @thisisvedangi LinkedIn: Vedangi Kulkarni  Twitter: @thisisvedangi Facebook: @wheelsandwords  YouTube: @thisisvedangi Link to donate me a small amount: [Buy Me A Coffee]   

Stevens Roundtable: Understanding Commercial Vehicle Enforcement Trucker Tim welcomes Sergeant Barrett Smith from the Mesquite Police Department to discuss the crucial role of Commercial Vehicle Enforcement (CVE) in ensuring road safety. Sergeant Smith explains the importance of non-punitive inspections for driver and public safety, emphasizing the need for compliance and effective pre-trip inspections. The conversation explores the accountability and cooperation between CVE and drivers, sharing valuable insights on preparing for inspections and maintaining vehicle safety. Hear about the pivotal efforts of CVE to keep roads safer, benefiting both drivers and the motoring public. Trucking Brotherhood and New Beginnings at Stevens Transport Noah Easley, a new solo driver at Stevens Transport. Noah shares his transition into the trucking world, highlighting the camaraderie at Stevens and the industry's brotherhood vibe reminiscent of 'Smokey and the Bandit.' With insights on training with mentor Larry Ruffin and adapting to life on the road, Noah reflects on his journey and future aspirations. He also touches on his passion for rapping during long drives. Discover the blend of community, personal growth, and lifestyle in the trucking industry through Noah's story. Become a Team Driver Discover the transformative world of team driving with Stevens Transport in this insightful discussion. Learn how driving with a partner boosts efficiency, earning potential, and safety, while allowing for nearly constant travel and the enjoyment of America's stunning landscapes. Understand how federal regulations intersect with teamwork logistics, enabling over 5,500 miles a week. Insights on rest strategies, like bunk bed sleeping arrangements, are shared. Stevens Transport explains the advantages of choosing your driving partner and how this approach can elevate your trucking career. Explore team driving's benefits and start your journey to success now. Earn More/Team Up - https://vimeo.com/1020240977 Driver Spotlight - Jeremy J. Carter Meet Jeremy J. Carter, a dedicated Stevens Transport driver and trainer from Inverness, Florida. Celebrating 2 million miles, Jeremy shares his trucking journey, highlighting the support he's received and the experiences he's had along the way. Hear why he's working toward 3 million miles and why Stevens is still home after 18 years. See the video here: https://youtu.be/v0mmchHExQo?si=jTBODPWcS5Q7W2i5 Hall of Famer Richard Fertig: A Mentor for Future Drivers Richard Fertig, celebrates 15 years with Stevens Transport. Discover what makes Richard a standout figure in the trucking world, from his love for capturing scenic beauty on the road to his dedication to training new drivers. Richard shares insights into the supportive culture at Stevens, the importance of asking questions, and his willingness to help fellow drivers. Whether you're a seasoned driver or new to the industry, Richard's wisdom and open approach are invaluable. Tune in to explore a career that Pilot/Flying J Rewards App: https://pilotflyingj.com/rewards Become a Driver for Stevens Transport For questions on whether you meet our driver qualifications, please call our Recruiting Department at 1-800-333-8595 or visit: www.stevenstransport.com/drivers/ Stevens Transport 9757 Military Parkway, Dallas, TX 75227 http://www.stevenstransport.com/ http://www.becomeadriver.com/ Driver Recruiting: 1-800-333-8595.  Apply Here: https://intelliapp2.driverapponline.com Paragon Leasing Technician Careers: https://www.stevenstransport.com/careers/fleet-maintenance-jobs/

This week, the Eurovision Showcase comes to you from Nairn, near Inverness in Scotland, as Ciaran Urry-Tuttiett and Rob broadcast while on holiday – but don't worry, the music is still flowing!

Pack your bags and maybe a liver or two because Whiskey@Work went international. From Rob's first ever trip overseas to Houston's nonstop chatter, the guys covered ground from Inverness to Edinburgh with a pit stop in London. Along the way they sipped drams at Glenfiddich, Tomatin, Benromach, GlenAllachie, Cardhu, Glen Garioch, and Holyrood. They ducked into countless pubs, wandered castles that have seen centuries of history, and braved ghost tours in bone stacked graveyards. This episode is equal parts whiskey, travel, and chaos served neat from Scotland. Hosted on Acast. See acast.com/privacy for more information.

**Discussion begins at 3:00**Today, we're going to discuss the legend of the Loch Ness Monster... For nearly a century, stories of a massive, elusive creature lurking in the deep, dark waters of Scotland's Loch Ness have fascinated believers, skeptics, and adventurers alike. From grainy photographs to sonar scans, the monster—affectionately known as “Nessie”—has become a cultural icon.  Is it possible that Nessie could be a living relic from the age of dinosaurs?  Are we merely fascinated with the unknown?   Whether you're a firm believer, a curious skeptic, or just here for the mystery, join us as we take a journey into the misty Highlands to uncover the truth—or the myth—behind the monster of Loch Ness.Send us a textSupport the showTheme song by INDA

"I didn't appreciate how strong the pull for human connection would be." - Corinne Ooms In this episode of Three Food Memories, you'll meet a forager, food scientist, and the longest‑lasting female contestant on Alone Australia, who endured 70 days in the Tasmanian wilderness before tapping out. We should mention - she didn't tap out because she'd run out of food, or her shelter had blown away…it was for another, far more important reason. On the menu is: the wallaby and fern soup that got her through 70 days in the wilderness, Scottish potato scones, and Filipino pancit, along with musings on foraging, life, losing a parent, and becoming a parent for the first time. Corinne's social cause is food waste and food security, because working in the food industry, she sees firsthand how much perfectly good food gets thrown out every day from farms, factories, retailers, hospitality, all the way to households! Corinne believes it is heartbreaking and there needs to be more consumer awareness and policy changes in regards to this issue. Some food rescue organisations to check out are: OzHarvestFoodBank This episode was recorded while Corinne was back in her childhood bedroom in Inverness, Scotland. Send us a textTo find out more about the project and Savva - head to threefoodmemories.comInsta - @savvasavas @threefoodmemoriesEmail us at threefoodmemories@plated.com.au, we'd love to hear from you! TFM is produced and edited by Lauren McWhirter with original music by Russell Torrance.

"The railway that got the world on track." On the 27 September 1825, crowds gathered in a small market town in north-east England to witness something that had not been seen before – a train carrying passengers for the first time. It had taken eight hours to travel 48km – around the speed of an average cyclist – but this steam locomotive was a pioneer in the development of modern railways and changed the world forever as rail spread across the globe.“使世界步入正轨的铁路”。 1825年9月27日，人群聚集在英格兰东北部的一个小市小镇，目睹了以前从未见过的东西 - 第一次载着乘客的火车。 在普通骑自行车的人的速度下，旅行48公里花了八个小时，但是这种蒸汽机车是现代铁路发展的先驱，随着铁路在全球范围内蔓延，世界永远改变了世界。2025 marks 200 years of passenger trains, and the UK is celebrating this milestone with Railway 200 – a year-long programme of events. From guided walking tours along old, abandoned rail routes, to competitions and careers events. Railway 200 organisers have also designed a travelling exhibition on a special train that will criss-cross the UK for 12 months. Admission to the train is free and there are four carriages, each with a different theme. These include a carriage with hands-on, interactive activities which invite people to test their engineering skills. Emma Roberts, Railway 200 organiser, said it is an "unforgettable experience" for visitors.2025年是200年的旅客列车，英国正在用Railway 200（一年的活动计划）庆祝这一里程碑。 从沿着古老的，废弃的铁路路线进行导游的徒步旅行，到比赛和职业活动。 Railway 200组织者还设计了一场特殊火车的旅行展览，该展览将在英国纵横交错12个月。 火车的入场是免费的，有四辆马车，每辆都有不同的主题。 这些包括带有动手互动活动的马车，邀请人们测试他们的工程技能。 铁路200组织者艾玛·罗伯茨（Emma Roberts）表示，对于游客来说，这是一种“难忘的经历”。Also celebrating this bicentennial is Tom Chesshyre, train enthusiast and author of 'Slow Trains Around Britain'. Among what attracts him to train travel is that you can see places off the beaten track out the train window, and you can relax and read a book without worrying about traffic jams. Tom's favourite slow train ride is from Inverness, in the middle of Scotland, to the most northerly station in the whole of the UK in Thurso through "a kind of desolate landscape". Tom says, "You feel like you're taking a train and disappearing from modern life, leaving it behind." The route Tom crowned 'most picturesque' was a short journey from St Erth in Cornwall to St Ives which travels along a clifftop with the beach down below.还庆祝这一双百年纪念的是汤姆·切斯海尔（Tom Chesshyre），他是火车爱好者，也是“英国慢火车”的作者。 在吸引他进行火车旅行的地方，您可以看到人迹罕至的轨道上的位置，您可以放松身心和阅读书，而不必担心交通拥堵。 汤姆最喜欢的慢速火车骑行是从因弗内斯，苏格兰中部，到瑟索全英国最北端的车站，通过“一种荒凉的景观”。 汤姆说：“您觉得自己正在乘火车，从现代生活中消失，将其抛在后面。” 汤姆（Tom）加冕的路线是从康沃尔（Cornwall）的圣埃斯（St Erth）到圣艾夫斯（St Ives）的一段短途旅行，沿着悬崖峭壁在悬崖上行进，海滩下方。Train travel has come a long way since 1825. Today, trains are more efficient and better connected than ever. From the Eurostar, which connects London to mainland Europe through a tunnel under the English Channel, to high-speed routes in Japan and China, the world is on the move.自1825年以来，4火车旅行已经走了很长一段路。今天，火车比以往任何时候都更加高效，连接更好。 从将英国频道下的隧道连接到伦敦到欧洲大陆的欧洲之星，再到日本和中国的高速航线，世界正在发生。

Puntata speciale dedicata al Premio Campiello, 63esima edizione. Ha vinto “Di spalle a questo mondo” di Wanda Marasco (Neri Pozza), la storia vera di Ferdinando Palasciano, medico vissuto a Napoli alla fine dell'800 e che per un anno, a causa dei suoi deliri, fu interato in manicomio. Il romanzo ha ottenuto 86 voti dalla giuria popolare di 300 lettori (282 i voti effettivi). A soli 3 voti di distanza, “Bebelplatz” di Fabio Stassi (Sellerio): un viaggio attraverso i roghi dei libri compiuti in Germania negli anni ‘30. Nella lista nera erano finiti anche scrittori italiani come Emilio Salgari, considerato antimperialista, e una scrittrice di romanzi rosa omologata al potere fascista, Maria Volpi, “colpevole” di aver scritto romanzi in cui le donne erano libere e autonome. Trezo posto per la raccolta di racconti “Inverness” di Monica Pareschi (Polidoro): le relazioni umane, dall'amicizia all'amore, il desiderio di essere visti e scelti. Quarto posto per “Troncamacchioni” di Alberto Prunetti (Feltrinelli) che narra la Maremma ribelle e proletaria della prima metà del ‘900 con giovani che disertavano durante la Prima Guerra mondiale e uomini che poco dopo si opposero al Fascismo. Infine “Nord Nord” di Marco Belpoliti (Einaudi): le memorie personali, gli incontri e i luoghi, un tentativo di definire cosa sia il nord.

Rebecca Atkinson-Lord was Director of Theatre at London's Ovalhouse (now Brixton House) until 2016, but has since moved to the island of Mull in the Scottish Hebrides as Chief Executive and Artistic Director of An Tobar and Mull Theatre. BTG Editor David Chadderton spoke to Rebecca while she was in rehearsals for a stage adaptation of Sarah Moss's novel Night Waking, adapted by Shireen Mula. She explained about the play and the process of adapting and rehearsing it, as well as the challenges of touring to rural venues and to theatres where some of your audience comes by boat and what she misses about working in London. Night Waking opens at Mull Theatre on 28 and 29 September 2025 before touring to Edinburgh, Stirling, Greenock, Wick, Inverness, Ullapool, Strathcarron, Castle Douglas, Dumfies, Fife, Paisley, Dunoon, Lochgilphead, Oban, Iona and back to Mull, finishing on 31 October.

Welcome to Monday Night Live

We've got a treat for you this week as we're joined by Falkirk Captain and a great personality from the current game, Coll Donaldson! Coll shares some brilliant insight into life at Falkirk under John McGlynn from the last few years that's seen the club achieve back-to-back promotions to reach the SPFL Scottish Premiership this season!Coll also tells some great stories from his very interesting career which saw him move down to London at 18 to sign for Harry Redknapp's QPR where he was sharing a dressing room with some of football's big hitters like Rio Ferdinand, Adel Taarabt, Niko Kranjcar, Charlie Austin, Richard Dunne and many others!He also discusses some more difficult times he had in his football journey during his time at Dundee United before John Robertson revived his career at Inverness, leading to a move back to the top flight at Ross County under Stuart Kettlewell, John Yogi Hughes and Malky MacKay.Great show and a great guest - you'll enjoy this one! Hosted on Acast. See acast.com/privacy for more information.

We've got a treat for you this week as we're joined by Falkirk Captain and a great personality from the current game, Coll Donaldson! Coll shares some brilliant insight into life at Falkirk under John McGlynn from the last few years that's seen the club achieve back-to-back promotions to reach the SPFL Scottish Premiership this season!Coll also tells some great stories from his very interesting career which saw him move down to London at 18 to sign for Harry Redknapp's QPR where he was sharing a dressing room with some of football's big hitters like Rio Ferdinand, Adel Taarabt, Niko Kranjcar, Charlie Austin, Richard Dunne and many others!He also discusses some more difficult times he had in his football journey during his time at Dundee United before John Robertson revived his career at Inverness, leading to a move back to the top flight at Ross County under Stuart Kettlewell, John Yogi Hughes and Malky MacKay.Great show and a great guest - you'll enjoy this one! Hosted on Acast. See acast.com/privacy for more information.

With administration over, Alan Savage confirmed as outright owner and chairman, Kell and Billy in the dugout, points accumulating and crowds on the rise, Inverness Caledonian Thistle has finally got its soul back. And it doesn't just have its soul; it also has Sole! In this first full-size podcast since the 2025-26 league season began, Moff, Sandy, Stevie and AY discuss the impact made by the rocket man from Watford and we hear from Liam himself; we also have a more sedate chat with Joe Chalmers, analyse games past and games to come, and shoehorn in the usual 31 years of ICT references, wild conjecture and mild distraction. Let's shuffle! 00:00:58 – Highs and lows. Moff introduces the panel and we reveal our highs and lows from the opening weeks of the season 00:05:35 – Game by Game. The panel looks back at our recent league wins against Alloa and Montrose, and against Stirling Albion and Aberdeen B in the KDM Evolution Trophy aka the Challenge Cup. 00:39:55 – What yi sayeen? – Liam Sole. The on-loan Livingston winger has made an electrifying start to his ICT career, bringing the support to their feet with every touch of the ball and scoring the winning goals in our last two games. He spoke to Stevie about his career to date, the high expectations he places on himself, and his hopes for his time in Inverness. 01:09:22 – The Club. The official end of administration! The renaming of Caledonian Stadium! Why is Alfie Stewart playing for two clubs? Will Robbie Thompson's loan move to Brora be the making of him? We dissect the latest goings-on behind the scenes at Caley Thistle. 01:21:40 – The New Kit. Caley Thistle's new home strip was finally unveiled on August 28th. What do the TWS panellists think of it, and why is Alan Savage no longer talking to Stevie? Plus: we look forward to the recently-announced Scottish Cup Winners 10th Anniversary Night 01:32:10 – What yi sayeen? – Joe Chalmers. One of the first signings announced in the close season was the return of Joe Chalmers to the club. Stevie talked to the elegant midfielder about what brought him back to Inverness, the spirit among the current squad and his affection for garlic bread. 02:07:20 – League Lookahead. We look forward to September's remaining league fixtures, against Cove Rangers, Queen of the South and East Fife. 02:16:48– Competition winner announced! Are you the lucky winner of a stunning t-shirt from the new Wyness Shuffle range?

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After confirming for 100% certainty that Dewsbury is not currently on meth (which kinda sounds like something that someone on meth would say) he and Moose catch up to discuss plans for the Primordial Burns Supper in Inverness next year. Tickets for the event will shortly be on sale from the website, including a hotel deal AND a trip to Loch Ness! How amazing would it be if the PRFam were the ones to finally confirm the existence of Nessie?! It could happen. The guys are also joined by Katy Baker from Metal For Good, who are the official charity partners of Primordial Radio. Moose and Katy discuss the charity's activities over the summer, current events, and look ahead to the upcoming Metal Merch Day, coming in October. You can check out Metal For Good and some of the great charity work they do here https://metalforgood.org/ https://primordialradio.com https://www.instagram.com/primordialradio https://tiktok.com/@primordialradio https://www.facebook.com/primordialradio https://www.x.com/primordialradio​

'Edged in Stone' is part of the series A Year in Scotland. This is the August episode.In this story, we're heading north to Sutherland. Our journey begins near Culloden Battlefield, leads north past Inverness and the Cromarty Firth, and makes stops in Dornoch and Dunrobin Castle. Along the way, we dive into the history of witch trials in Scotland, we learn more about the Sutherland Clearances of the 19th century, and we explore what modern-day energy policies have to do with the historic Highland Clearances.Visit my website to find the full show notes incl. the transcript, photos from my trip and links to additional resources about the topics I mention in this episode.Help us spread the word about Wild for Scotland! If you hear something you like in this episode, take a screenshot and share what you like about it on your Instagram stories. And tag us @wildforscotland so we can say thank you! Let me help you plan your DREAM TRIP to Scotland! Book a free enquiry call to find out more. Browse my Scotland itineraries for your next trip.Connect with me on Instagram @wildforscotland!Join our email list to never miss an episode.Planning a trip to Scotland? Check out my Scotland blog Watch Me See!

Karen and Matt are back from their book tour in the UK and they got to have some real MonsterTalk moments! Loch Ness, Boleskine House and more plus Blake wrestles with gremlins!More photos will be available on Patreon:https://www.patreon.com/posts/137274189?pr=true&cr=true Become a supporter of this podcast: https://www.spreaker.com/podcast/monstertalk--6267523/support.

Nova Scotia Expands Child Care in Colchester & InvernessIn this episode, we cover an important update from Nova Scotia!Families in Colchester and Inverness counties will soon have more child care options. The Lower Onslow Preschool Association in Masstown, Colchester County, is opening 52 new spaces for infants, toddlers, and preschoolers next spring. The East Coast Early Learning Association in Margaree, Inverness County, will open 14 new toddler and preschool spaces this fall.Funded by both the provincial and federal governments, these projects aim to help families join the workforce and strengthen Nova Scotia's economy.

Nicola Sturgeon and her book is absolutely everywhere with the press full of the tiniest revelations. We have a look, neither of us having read the book, but take a look at really what's sitting behind some of the more serious revelations, particularly over the wisdom of pressing on with the gender recognition reforms, and behind the scenes, what was really happening. We ask the whether we going to learn anything that helps us with creating a more democratic country in Scotland that isn't so reliant on leaders and top-down instruction through all of this? Or just promote Nicola Sturgeon's book sales?All of that and news from the big wind farm convention that was held in Inverness where Lesely was present making a new film.Are these guys just NIMBYs who need to knuckle down and accept the hardware the same as everyone else for the green transition? Or has planning for it and democracy about it just gone completely out the window? And some culture from Fèis Rois.LinksNicola Interviewhttps://www.itv.com/watch/news/nicola-sturgeon-reflects-on-her-arrest-and-her-trans-policies-in-exclusive-interview/7qr93nfFèis Roishttps://feisrois.org/Robin McAlpinehttps://robinmcalpine.org/this-is-the-one-tall-tale-that-matters/https://www.thenational.scot/politics/25385625.wholly-political-campaign-independence-terrible-idea/Shona Cravenhttps://www.thenational.scot/politics/25382339.lessons-must-learned-loss-rationality/ ★ Support this podcast ★

Eddie's Biography: Eddie is from New Orleans and received his Undergraduate and Graduate Degrees ( BS and MBA) from Louisiana State University ( LSU in Baton Rouge, LA.) Eddie has been an Independent Insurance Agent for 51 years, continuing his education with the CLU Designation for 47 years ( Chartered Life Underwriter ), the ChFC  Designation for 46 years ( Chartered Financial Counselor ), and through Membership in the Million Dollar Round Table ( 48 Year Lifetime Member and Member of MDRT's  Quarter of a Century Club ).  Eddie is also a long-standing member for 48 years of the Society of Financial Service Professionals ( FSP). In addition to the above, many Professional Organizations, Eddie is a member of the Citrus County Chamber of Commerce,  the Ocala Chamber CEP, Select Business Associates of Ocala, Marion Networking Professionals, the Rotary Club of Inverness,   the Inverness Elks Club, and the Inverness VFW. Buster's Biography:  Buster Levin is an Insurance Professional & Successful Realtor and Founder of The Homes and Living Group at eXp Realty. Buster made his name as a master marketer in the Insurance and Real estate industries. Buster's career has been dedicated to helping people save money and protect families. His team's proven systems help clients achieve optimal outcomes in all phases of their journey.    -Check us out online: Agent Back Office Site: LevinsonAndAssociates.com Facebook: @levinsonandassociates X: @levinsonassoc Instagram: @levinsonandassociates Threads: @levinsonandassociates LinkedIn: @bilevinson  Podcast: levinson.libsyn.com YouTube Library: @thelevinson1

We're joined by Robbie Mcilwraith and Erik Ellison, two co-founders of the new Inverness Thistle, the first club to compete in Scotland's professional pyramid since they merged with Caledonian to form Inverness CT in 1994.Many people aren't aware of the deep opposition and hurt football supporters in Inverness felt when it was proposed that the cities two biggest clubs, Thistle and Caledonian, should merge to join the Scottish Football League. Sadly, the decision was pushed through and fans were left without clubs to support, refusing to follow the newly created club in Inverness.But now, one of those clubs have returned.About UsWebsitefootballheritage.co.ukEmailhello@footballheritage.co.ukX@_footyheritageBlueSky@footballheritage.bsky.socialInstagram@_footyheritageYouTube@FootballHeritageFHAbout Our GuestsInverness Thistle FC@InvThistleFC

Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies.  He highlights the Florida housing market, noting a 26% increase in listings post-pandemic.  Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing.  His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 2  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then   Speaker 3  2:49   you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful.   Keith Weinhold  3:08   Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest.    Keith Weinhold  6:05   I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type.   Jim Sheils  7:02   Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense.   Keith Weinhold  9:06   did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt.   Jim Sheils  9:22   What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing.   Keith Weinhold  11:05   This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that.    Jim Sheils  11:50   Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home.   Keith Weinhold  13:41   Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later.   Jim Sheils  13:52   It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue.   Keith Weinhold  14:29   We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now,   Jim Sheils  14:54   again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes.    Keith Weinhold  16:32   Talk to us about how the rental segment's doing, statewide   Jim Sheils  16:36   rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market.    Keith Weinhold  17:17   We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold.   Keith Weinhold  17:46   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com.    Keith Weinhold  18:18   You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,   Kristen Tate  19:29   this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You   Keith Weinhold  19:46   welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration.   Jim Sheils  21:26   It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market.   Keith Weinhold  22:48   Of course, you're very strategic about where you build geographically. Talk to us about where those places are   Jim Sheils  22:54   right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention.   Keith Weinhold  24:58   A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property.   Jim Sheils  25:23   Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at   Keith Weinhold  26:07   talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger   Jim Sheils  26:15   the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville,   Keith Weinhold  26:50   expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors   Jim Sheils  27:27   it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot.    Keith Weinhold  29:32   This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right?   Jim Sheils  30:29   That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag.   Keith Weinhold  31:41   Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration   Jim Sheils  32:21   yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise.   Keith Weinhold  33:24   This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors?    Jim Sheils  34:16   I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there.   Keith Weinhold  34:53   In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show.   Jim Sheils  35:38   Thanks for having me. Keith.   Keith Weinhold  35:46   Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  39:09   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  39:32   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

You won't believe it, dungeonneers!  We have the one and only Allen Hammack -yes, THAT Allen Hammack- on to talk about his seminal creation, "The Ghost Tower of Inverness." We learn about Allen's introduction to gaming, his experiences playing in and writing tournament games. We get a bit of a peek into the early days of TSR and his job there. And of course there's the listener mail segment—where we talk about "monster of the week" type adventures—and  the "This Ol' Dungeon" segment—where we learn the reasons behind some of the designs of the Ghost Tower and talk about a few of the things we might change up. Please give the episode a listen. If you have feedback, stories about your experiences with the Ghost Tower or tournament play, or questions you would like to hear our input on, write to: thisoldungeon@gmail.com. We are also excited to (soon) be getting back to the Geek Credit quiz show at the end of the episodes and have created thisoldungeonquiz@gmail.com where you can send your RPG and geek-related quiz questions and answers. Those questions will be selected to be used by one of us to test the others. All contributors to that segment's questions will be put in a drawing for fabulous RPG prizes!  Thanks for your support, everybody!

Daniel and Adam are finally back together after a summer break, and there's plenty to catch up on! Daniel kicks off the episode with tales of a surprise celebrity encounter during a Fourth of July run—turns out, podcast legend Larry Vader was in Orlando, leading to an epic lunch with Vader and Big Mama (fresh off a Disney cruise). Meanwhile, Adam returns from a whirlwind trip to Scotland, regaling Daniel with stories of white-knuckle driving on the “wrong” side of the road, run-ins with overly helpful Kias, and lessons in Scottish geography (including why “Inverness” means what it does).Travel woes and culture shocks give way to a whiskey distillery adventure, complete with overpriced taxis, arbitrary “danger lines,” and a crash course in barley anatomy. Adam and Daniel muse on the mysteries of whiskey tasting and swap thoughts on the finer points of smoky vs. sweet spirits—ultimately agreeing that sometimes, a cigar is just a cigar (even when it's whiskey). The duo dig into tech talk, AI industry hype, and the rise of “context engineering” for working with language models, with Daniel describing his move to structured XML prompts and providing a little inside baseball on how AI models really work.Later, the “Contact” segment features a bumper crop of listener texts and voicemails—celebrity death updates, Pokémon rain gear theories, debates about banana reports, and Kathy Bacon's grocery bill deep-dives. The News Game makes a triumphant return with questions about Texas floods, viruses, and James Gunn's new Superman movie. To top it all off, Adam demos his new Ray-Ban “nerd glasses,” and Daniel gives a PSA about the real culprits behind your summer electric bill (hint: it's not your LED light bulbs). As always, it's a perfectly chaotic blend of tech, travel, trivia, and the signature banter fans love.Email: Contact@MixMinusPodcast.comVoice/SMS: 707-613-3284

In a couple of weeks, swifts will leave our skies and depart for their wintering grounds in Africa. Author and naturalist Mark Cocker has spent a lifetime observing them and Rachel meets him in Crail to chat about the migrating birds and his new book One Midsummer's Day - Swifts and the Story of Life on Earth. Never a stranger to getting his hands dirty, Mark grabs a trowel and joins community volunteers on an archaeological dig on East Lomond Hill in Fife. Chairman of the Falkland Stewardship Trust Joe Fitzpatrick unearths the history behind some significant Pictish findings on the hill and chats to Mark about the importance of volunteer excavators. Producer Phil gets on the saddle with the Highland Blind Tandem Club for a cycle along the canal tow path in Inverness. Rachel's on a hunt for the egg cases of the critically endangered flapper skate. She meets marine biologist Dr Lauren Smith at Cairnbulg Harbour near Fraserburgh to hear about the work going on to safeguard these huge creatures and map exactly where they are. Mark visits the National Museums Collection Centre in Edinburgh to discover how changes at the site are supporting the local urban biodiversity. We hear how the Museum is monitoring wildlife around the Centre from Curator of Entomology Ashleigh Whiffin. An Irish teenager has just become the youngest person to swim the North Channel from Northern Ireland to Scotland solo. 15-year-old Oscar Black joins Rachel and Mark to share his experience battling the currents to reach Scottish shores While following the Whithorn Way, Mark and Rachel stop at Prestwick, Ayrshire to visit Bruce's Well, named after Robert The Bruce, King of Scotland from 1306 to 1329. They meet Julia Muir Watt of the Whithorn Way Trust and local historian Alasdair Malcolm to explore King Robert's connection to the well. In 2003, part of a sea wall at Nigg Bay on the Cromarty Firth was deliberately breached to reconnect an area of land to the sea. Rachel catches up with Steph Elliot from the RSPB to discover how the intertidal habitat created is now benefiting bird life.

What does it take to become the 2025 Enduro World Cup overall champion... without a factory team and without ever planning to go pro? In this episode, we sit down with Ella Conolly, the 2025 EDR World Cup overall winner, to hear about her incredible journey. Ella opens up about growing up in Inverness and leaving British Cycling's Olympic program, to discovering enduro (thanks to a knock on the door from Tracy Moseley) and going all in on a new discipline with limited funding, no plan and a passion for adventure. We talk about privateer life, her calculated approach to risk, how she fuels race weekends, finding joy in the process, the power of building your own path, discover wether will Ella plans to race downhill and much more more... Follow Ella Conolly: @ella_conolly New merch drops soon + you can support the show by checking out our ad freee  Patreon! BIG thanks to this episode's sponsors: WORX Tools → 15% off the full range with code THERIDECOMPANION: https://uk.worx.com Hiplok → Head on over to http://hiplok.com/trc to claim your exclusive offer and keep YOUR bikes YOURS. You can also support our long term partners: - Marin Bikes: marinbikes.com/gb - Focus Bikes: focus-bikes.com - HUEL: Get 15% OFF with code 'RIDE' at huel.com/ - Hiplok: https://hiplok.com/the-ride-companion  - Nissan Vans: nissan.co.uk/vehicles/new-vehicles/primastar.html - Play Fantasy Downhill at The Race Companion: theracecompanion.com instagram.com/theracecompanion - Get 10% off Troy Lee Designs with code 'theridecompanion' at saddleback.avln.me/c/OzduCWvjtcOr - Athletic Greens: Get a FREE 1-year supply of Vitamin D AND 5 FREE travel packs at athleticgreens.com/RIDECOMPANION - Compex: Get 20% off with code ‘THERIDECOMPANION' at compex.com/uk/ - Worx: Get 15% off with code ‘THERIDECOMPANION' at worx.com - LAKA: Get 30 days of FREE insurance with code ‘RIDECOMPANION30' at laka.co - HKT Products: Use code ‘PODCAST' for 10% off the entire site. Follow Olly Wilkins Instagram @odub_23 YouTube @owilkins23 The Ride Companion Instagram @theridecompanion YouTube @TheRideCompanion YouTube clips and BTS channel @moreridecompanion Get official Ride Companion merch, find old episodes and more theridecompanion.co.uk

Doug and Tracy reveal the 15 most common mistakes travellers make when planning UK train journeys, drawing from their extensive experience helping thousands plan stress-free rail trips across Britain.• Getting advice from non-experts who share outdated or incorrect information• Travelling on Sundays when engineering works and staffing issues cause the most disruptions• Bringing too much luggage that becomes difficult to manage on trains and in stations• Not booking assistance services at least 24 hours in advance when needed• Overlooking different ticket types and railcards that could provide significant savings• Arriving at stations without enough time to navigate, find platforms, and board comfortably• Failing to reserve seats on long-distance journeys, risking standing for hours• Not using helpful apps like National Rail Enquiries to track real-time train information• Forgetting to plan for food and drink when catering services may be limited• Losing track of belongings in busy station environments• Relying on onboard Wi-Fi which can be patchy, especially at high speeds• Not planning the onward journey from arrival stations to final destinations• Missing opportunities to explore scenic alternative routes between destinations• Not allowing enough time for connections between trains• Booking international flights on the same day as long-distance UK train journeysFor more help planning your UK train adventure, check out Doug's "Guide to UK Train Travel" ebook or book a personalised itinerary consultation.

C'mon y'wee tubes! Board the MLPP express to Scotland where you'll be greeted by some very affable scotchmen, Polar Bears In Purgatory!Yes, we're back amongst Niallism's tribe this week to discuss the enduring band PBIP. We get dazzled by their genius, get disappointed when they don't write jingles and also chat a bit about their band.We ask all the killer questions, such as: Where can you header a turnip? What is a Pizzly Bear? Are there robots in the afterlife?Tom has had a terrible Sunday in a terrible place, Niall puts his own wellbeing behind your pets' needs, there's a spooky email submission and we keep the wankers at bay with our opening track.Music is from: The Longest Line, Jesse, Chubby & The Gang, Black Rain and Pansy Division (it's a right ear worm, you're welcome)

Where in the world am I? Eurail Travel planning   Hi there, I'm Dr. Mary Travelbest. I'm in San Diego now, sharing my best travel ideas and working on another book for you to enjoy: 5 Steps to Solo Travel, Part C. I'm about to launch on a 90-day trip around the world.   Listener Story Spotlight I want to tell you about a listener named Kristen. Kristen loves to travel. She recently received a Fullbright Scholarship and took a trip with her husband and sons to a foreign country, Portugal, for several months. She's full of great travel ideas and will be helpful as I continue to travel and make my adventures more mobile. She's encouraging me to keep going in my travels and is a professor in Southern California. Quick fire FAQ: The FAQ for today is:  Do you find that air travel dries your sinuses? Do you get dry and scratchy throats afterward? Yes, it happens. Let's talk about how to rid yourself of this in advance.    How to avoid the dryness of airline flights? The answer:   My solution is Saline Nasal Spray. I bought the 1.5-oz size for $4.00, which will last my entire trip. Before you get dry sinuses, squirt some in each nostril and then relax as it goes to work. What are the ingredients? Water, sodium chloride, disodium phosphate, benzyl alcohol, sodium phosphate, and benzalkonium chloride. Water and salt. There are three ways to use it: Squeeze twice in each nostril, and it delivers a spray, a stream, and a drop upside down. Take your pick. 60-second confidence challenge   Advice for Active Seniors :  “There is no shame in prioritizing and slowing down vs. overdoing. Most injuries happen when people are rushing. “Go slower, arrive sooner” is a helpful mantra.”  (Ellen McCabe) If you like today's Confidence Challenge, Chapter 2 of my book dives deeper buy it on Amazon or https://www.5stepstosolotravel.com   See Book A for addressing all of these items.   Today's destination is Eurail Travel Planning I said: You are traveling in Europe in the Summer of 2025. You arrive in Athens, Greece, then go to Krakow, Warsaw, Poland, Estonia, Finland, Sweden, Norway, and Denmark, and end in Edinburgh, Scotland, where you leave the EU. You will travel for five weeks. How many days will you want to use the Eurail pass for trains and ferries? Plan the trip, including seat fees and senior discounts with these countries, and suggest other places that would be a good stopping point or worth seeing. I am a solo woman in my prime. Include a mention of the low-cost airlines that I should take when not on the train or ferry.   Answer:   1  Where a Eurail day genuinely saves you money Below is every leg: (a) scenic or pricey at full fare and (b) covered or discounted by the pass if the trip is a low-fare train, like under $10.regional hop, we skip the past day and just pay cash—why burn powder you might need later?    1  Day 3 Athens → Kalabaka  €3 IC seat  Sunset over Meteora cliffs—worth the four-hour train.  2  Day 5 Kalabaka → Thessaloníki  free (regional) No supplement, but one more travel day.  3  Day 9 Krakow → Oświęcim (return) free (regional) Auschwitz day trip; counts once.  4  Day 11 Krakow → Warsaw (EIP)  ~PLN 35 ≈ €8  High‑speed, mandatory seat.  5  Day 13 Warsaw → Gdańsk or Toruń (optional)  PLN 3 ≈ €0.70 Use if you “dive” north.  6  Day 16 Tallinn → Helsinki ferry  deck = free; cabin = ‑20 %  Tallink Silja It counts oas ne travel day.  7  Day 17 Helsinki → Tampere & back  €0–€6 VR seat  Eurail Pendolino; book in app.  8  Day 19 Helsinki o/night ferry → Stockholm  deck = free; cabin –20 % Same Tallink perk.  9  Day 21 Stockholm → Uppsala (return)  €0 (regional) Same‑day out‑and‑back.  10  Day 22 Stockholm → Gothenburg  ≈ €7 SJ seat  Eurail Community 3 h X2000.  11  Day 23 Gothenburg → Oslo  free No reservations.  12  Day 25 Oslo → Bergen  ≈ NOK 50 ≈ €4 seat Bergensbanen panorama.  13  Day 26 Bergen → Flåm train + Nærøyfjord boat  boat covered A rail‑and‑fjord combo.  14  Day 30 Copenhagen → Roskilde day‑trip  ≈ €9 seat  Eurail Vikings have & an easy return.  15  Day 32 Edinburgh → Inverness  £0–£5 seat UK still in the Eurail network.   * Fees are 2ᵈ ‑class, summer 2025 published rates.   Total Eurail travel days = 15 – the cap of the 15‑days‑in‑2‑months Senior Global Pass  2  What about the long, awkward gaps? Why wrestle with two‑day rail marathons when a 90‑minute hop costs less than your hostel?   Segment Suggested airline(s) Typical July fare if bought 3 mo ahead Thessaloníki ✈ Krakow Ryanair, Aegean €55–€85 Warsaw ✈ Tallinn airBaltic, LOT, Ryanair €45–€90 Bergen ✈ Copenhagen Norwegian, SAS €65–€110 Copenhagen ✈ Edinburgh easyJet, Ryanair, Norwegian €40–€80   Question: could you train Thessaloníki→Krakow via Budapest? Yes—but it burns 2‑3 pass days plus €30‑€45 in night‑train supplements. The low‑cost flight is simply cheaper and quicker.   3  Five‑week skeleton itinerary   Week Base & ideas Safety‑first extras for a 65‑yr‑old solo traveler  1 Athens 3 d – dawn Acropolis, Plaka food walk → train to Meteora 2 d (monastery sunsets) → Thessaloníki 2 d for Byzantine walls & waterfront. Central hotels near Syntagma & Aristotelous squares; use the eat taxi app after dark.  2 Fly to Krakow 3 d (+ Auschwitz) → Warsaw 2 d → optional day to Toruń or Gdańsk. Women‑only dorms at Greg & Tom (Krakow) and OkiDoki (Warsaw); trains arrive before dusk.  3 Fly to Tallinn 2 d → ferry to Helsinki 3 d with day‑trip to Tampere—Telliskivi creative city, Suomenlinna flat walks; Bolt taxis for late returns.  4 Night ferry to Stockholm 3 d (+ Uppsala) → train to Gothenburg 2 d → rail to Oslo 2 d. Stockholm hostel “City Backpackers” has curtained bunks; carry Rail Planner live‑trip link to share location.  5 Oslo‑Bergen rail & fjords 3 d → Fly to Copenhagen 3 d (+ Roskilde) → Fly to Edinburgh; finish with Highlands loop 4 d (Inverness, Aviemore hikes) before departure. Fjord cruise boats have good handrails; Scottish B&Bs offer single rooms beside stations.   4  Is the pass still worth it? That's $200-250 saved, plus the flexibility to reroute if wildfires, strikes, or your whims intervene.   5  Quick checklist before you lock it in Buy the Senior Global Pass (15 days/2 months) before prices rise.   Book the four trains with limited seats (EIP Poland, X2000 Sweden, Bergensbanen, Copenhagen reservations) as soon as reservations open—usually 60–90 days in advance.   Use the Rail Planner app to activate travel days on the morning you board; keep two blanks until the very end in case you shuffle plans.   Flights: watch Friday flash sales on Ryanair/Norwegian; they routinely drop

Money troubles are often a leading cause of relationship issues - and things get even worse when financial infidelity is involved. Craig Bolanos, Co-Founder & Wealth Advisor of VestGen Wealth Partners in Inverness and Downers Grove joins Rob Hart on the WBBM Noon Business Hour to discuss...

A MUST LISTEN FOR ALL ICT SUPPORTERS! Boys of Summer The boys of summer are back from the beach and raring to go! Scott Kellacher and Billy Mckay have topped up the tans and topped up the ICT squad from their sunbeds, and now they're back in Inverness, taking the helm for their first pre-season as the ICTFC management team. The management duo join The Shuffle for the very first time, talking to Andrew Moffat, Stevie Riley, and Andrew Young about everything and anything Caley Thistle from the last year and a half, from taking the reigns in October and the difficult admin process, to the Kelty debacle, eventual League One survival, and plans for Season 25/26. And of course we try to weasel out any bit of transfer info that we can. Some of which we think we got, but judge for yourselves...  01:00: Hello! 01:37: Taking The Reins Holidays. ICT fans on the beach. Destressing. Administration. Bringing the club back together. Self-belief. Being thrown in at the deep end. Dumbarton 3-1 loss. Changing tactics. Winning philosophy. Managerial influences. Set-pieces 32:50 Last Season The Fans. The Flag. Billy's goals. Player appearances. The Downs. The emotions. 43:57: Relegation & Kelty We go back to relegation at the end of the 23/24 season and get the inside story, and Billy sets the record straight on the Kelty debacle and ‘naughty comments.' ‘This is our club and we want it in Inverness.' 56:50: Administration & Survival Players being made redundant. Being honest. A horrible day. Savage impact. Being left to it. Contacts in the game. U20 players. Andy Shinnie. Graham Shinnie will return! 15 point deduction. Greatest achievement. Never been so emotional in football. 1:17:46: The New Season: 25/26 Expectations. Attacking football. Signings: Logan Ross, Ross Munro, Joe Chalmers. Agents. Budgets. The Highland League. Value for money. There's it!

Today’s guest is the wildly talented Karen Gillan, the actor you know from major franchises like Guardians of the Galaxy, Avengers: Endgame, and Jumanji, as well as her breakout role as Amy Pond on Doctor Who. Karen talks about her early days growing up in Inverness, Scotland, and how her relentless teenage ambition landed her an agent (spoiler alert: she cold-called every casting director and agent in Scotland until one of them agreed to represent her). Karen’s new movie, The Life of Chuck, is in theatres everywhere now! And preorder our new book, Crushmore, here: https://www.simonandschuster.com/books/Crushmore/Nava-Kavelin/9781668077993 Want more from Podcrushed? Follow our social channels here: Insta: https://bit.ly/PodcrushedInsta TikTok: https://bit.ly/PodcrushedTikTok X: https://bit.ly/PodcrushedTwitter You can follow Penn, Sophie and Nava here: Insta: https://www.instagram.com/pennbadgley/ https://www.instagram.com/scribbledbysophie/ https://www.instagram.com/nnnava/ Tik Tok: https://www.tiktok.com/@iampennbadgley https://www.tiktok.com/@scribbledbysophie https://www.tiktok.com/@nkavelinSee omnystudio.com/listener for privacy information.

Learn about the transformative power of Hold Me Tight Workshops based on Sue Johnson's work and Emotionally Focused Therapy (EFT) from licensed counselor and couples therapist, Mark Beck. Mark dives into attachment science in nurturing healthy relationships and addressing conflict. 04:12 The Power of Couples Workshops07:48 Understanding Attachment Science and EFT11:07 The Impact of Safe Connections in Relationships and Navigating Relationship Conflicts14:14 The Hold Me Tight Workshops: A Deeper Dive17:21 Experiential Learning in Couples Workshops24:09 Therapy vs. Workshops31:14 Transformative Conversations37:40 Boosting Therapy with WorkshopsMark Beck has been a licensed counselor since 2001 and is also an ordained Protestant minister. Mark's private practice is based in Inverness, FL and his passion lies in working with couples. He also co-facilitate couples weekend workshops four times a year in Orlando with his colleague and fellow counselor, Vicki Kennedy.Connect with Mark Beckwww.PairsCare.comHMT workshops: www.couplesworkshopsofflorida.com Connect with Paige BondInstagram: @paigebondcoachingFacebook: @paigebondcoachingTikTok: @paigebondcoachingWebsite: https://paigebond.comPaige Bond is an open relationship coach who specializes in helping individuals, couples, and intentionally non-monogamous relationships with feeling insecure in their relationships. She is also the founder of ⁠Sweet Love Counseling⁠ providing therapy in CO, FL, SC, and VT. Paige loves educating people about relationships through being the host of ⁠the Stubborn Love podcast, ⁠hosting workshops, and speaking at conferences.Free Jealousy Workbook: ⁠⁠⁠http://www.paigebond.com/calm-the-chaos-jealousy-workbook-download⁠⁠⁠ Free People Pleasing Workbook: ⁠⁠⁠https://www.paigebond.com/people-pleasing-workbook⁠⁠⁠ Attachment Dynamics Workshop:⁠https://www.paigebond.com/attachment-dynamics-workshop-sign-up⁠Disclaimer: This podcast and communication through our email are not meant to serve as professional advice or therapy. If you are in need of mental health support, you are encouraged to connect with a licensed mental health professional to receive the support needed.Mental Health Resources: National Suicide Prevention Lifeline: 1-800-273-8255SAMHSA's National Helpline: 1-800-662-HELP (4357)Crisis Text Line: Text HOME to 741741 for free, 24/7 crisis counseling.Intro music by Coma-Media on ⁠⁠pixabay.com⁠

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Dendrochronology is a niche field of study, used to work out the age of trees, forests and wooden objects. However, it is not only useful for looking at the past, but also for considering how to manage wooded areas in the future. Mark met with expert dendrochronologist Dr Coralie Mills, and Borders Forest Trust Project Officer, Catriona Patience, to find out more about more about these scientific methods, and how they have informed forest management.Drones can have a lot of potential for wildlife researchers, and one person who has found them incredibly useful is Claire Stainfield, a PhD student at Scotland's Rural College. She is using drones to monitor the numbers and behaviour of seal colonies on Newburgh Seal Beach, and Rachel met with her to find out what her research is all about.In the week that The Salt Path film is released, we dig into our archive to hear an interview with Raynor Winn, who shares her incredible story which the film is based on.Climate change and environmental pollution has a significant impact all over the globe, something that Professor Alice Ma, an Environmental Studies lecturer at the University of Glasgow, knows very acutely. When visiting her ancestral village in China in 2018, she was struck not only by the issues of pollution, but also the ways in which regional traditions and folklore interact and are disrupted by the climate crisis. Rachel met her in Glasgow to here more about these revelations, and the book they have since inspired her to write.Tucked away along the River Ness is the UK's most northerly botanic gardens, in Inverness. As well as caring for colourful tropical plants in their glasshouses, the garden is also taking part in a project to distribute thousands of hanging baskets to various towns and villages across the Highlands. Phil Sime met with garden manager Ewan Mackintosh to find out moreAmy Dakin Harris is a professional dancer turned flower and herb farmer. She combines her two passions on her hilltop farm near Dunlop in East Ayrshire, offering specialist movement classes, alongside her flower arranging and foraging courses. Rachel joined her on site to hear more about her background, and how natural it feels for her to unite dance and nature.The government have announced this week that they have rejected the proposal to establish a national park in Galloway. Kevin Keane joins us live on the programme to tell us more about where this decision has come from, and what it means for the future of Scotland's national parks.

Are you a clueless motorway middle lane hogger?Welcome back to The Chris Moyles Show on Radio X Podcast. On the first week of the show without Pippa, we had smashed bottles and scheduling issues.Jackie Chan and Ralph Macchio came onto the show to talk about the newest instalment of the Karate Kid franchise. Jackie Chan spoke to us about the multitude of injuries he has had over the years. Tom Daley flew in from LA and popped into the studio to discuss 1.6, his new documentary covering his life in and out of the pool. He spoke with the team about his family, new clothing line, and what it's like to be a retiree at 31.And finally, we took a trip down memory lane, listening to songs from everyone's first Now That's What I Call Music albums. Our boss Devo would not approve, but luckily for us he was off work this week… I think we got away with it!If it's more laughs you are looking for, look no further!Captain's voice changerJames trouserless on a planeSabotaging HeartEnjoy!The Chris Moyles Show on Radio XWeekdays 6:30am - 10am

Bankadelic is the only financial services podcast that features multiple music tracks written and performed by its host. Here Lou Carlozo introduces the theme for the new “AI 5” series of Bankadelic roundtable shows. “Highland Main Line: Edinburgh to Inverness” is a co-write between host Lou Carlozo and Kathryn Swezy, who plays tin whistle on this recording. Special thanks to Jim Quinn (percussion) and Mark Swezy (didgeridoo). Guitars, bass, keyboards, additional percussion, engineering and mixing by Lou; mastering by Mike Hagler.

Send us a textGary brings you a sneak preview of the fantastic new live recording from the People's Ford Boghall and Bathgate Pipe Band, due to be released in June.PlaylistSteven Blake with the 98 Jig, Armstrong's, The Plagiarist and Fiona Anne MacDonald from the TMSA Young Trad Tour 2008.The People's Ford Boghall and Bathgate Pipe Band with Cabar Feidh from Cabar FeidhIndia Alba with Bellydancer from High Beyond.Bagad Kemper with Ela Ela from Hep DiskrogPipe Major Alasdair Gillies with Dickie MacPherson MacDonald and J Scott Skinner's Welcome to Inverness from LochbroomThe People's Ford Boghall and Bathgate Pipe Band with Mouth Music from Cabar FeidhHugh MacCallum with Lament for Mary MacLeod from the World's Greatest Pipers, Volume 2.LinksLink to People's Ford Boghall and Bathgate Pipe BandSupport the show

In this episode of Stories from the River, host Charlie Malouf welcomes Alexis Strafuss, the General Manager of the Augusta Annihilators, during the GM Rx and the Mission Possible Sleep Summit at the Charlotte Motor Speedway. Alexis shares her journey from food and beverage management into the furniture retail world with Ashley, starting in 2020 in Florida during the COVID-19 pandemic. She describes her growth from a Rookie Sales Associate to various leadership roles, including her first General Manager position in Inverness, Florida, and later at flagship locations with Ashley Global Retail (AGR) in Florida, highlighting her successes such as winning Rookie of the Year and Top Gun awards, and even earning a vacation to Napa Valley as part of various incentive programs. The conversation dives deep into Alexis's leadership philosophy, especially her focus on culture and the well-being of Memory Makers. She discusses the rebranding of their Augusta store to the Augusta Annihilators, complete with the vulture mascot "Vinny," chosen for representing loyalty, passion, teamwork, and drive. Alexis emphasizes the importance of listening and connecting with her Memory Makers, fostering a competitive yet uplifting environment where everyone feels heard and motivated to excel. Her thoughtful and intentional approach to leadership, grounded in her competitive sports background and previous management experiences, shines throughout the episode, as she shares her ambitions to continue growing—setting her sights on a regional manager position by 2027. Watch this episode YouTube:  https://youtu.be/nbMqOnA-l4E  Visit https://www.storiesfromtheriver.com for more episodes. Broad River Retail brought this show to you. Visit https://BroadRiverRetail.com                              Follow us on LinkedIn: https://www.linkedin.com/company/broad-river-retail

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Welcome to the weekly podcast of Pastor Ottis Barnett and Calvary Church in Inverness, Florida. Our focus is to reach the lost, rebuild relationships, encourage the community, and grow families through relevant Bible teachings, exciting worship, and family-based programs. For more information, visit calvary.online.

Culloden was the last pitched battle fought on British soil and the defeat ended Jacobite hopes of restoring the Stuart monarchy to the ...

Train journeys through Scotland offer spectacular scenery and connect major cities, but they can present unexpected challenges when severe weather strikes.• Travelling from Edinburgh to Inverness via the scenic coastal route through Dundee and Aberdeen• Strategic stops at St Andrews (via Leuchars) and Aberdeen's Maritime Museum• Weather disruptions forcing schedule changes and an extended stay in Inverness• Navigating cancellations by using alternative routes and transportation methods• Comparing the coastal route with the Highland Main Line through the Cairngorms• The importance of flexible tickets when travelling by train in Scotland• Essential apps and preparation tips for train travel contingencies• Accommodation recommendation: Blackfriars Hotel near Inverness Station• Train travel offering a unique perspective of Scotland's diverse landscapesFor more information about train travel in the UK, check out our UK train travel e-book on the UK Travel Planning website. If you have any questions about train travel in Scotland or anywhere in the UK, leave us a voice message via SpeakPipe.

In November 1976, 36-year-old Renee MacRae and her 3-year-old son Andrew vanished without a trace after leaving their Inverness home for what was meant to be a weekend away.What followed was one of the most baffling missing persons cases Scotland has ever seen - a case with no suspects, no evidence and no answers for over four decades.When I first began researching this one, I knew nothing about it. What unfolded before my eyes as I dug deeper left me stunned. Layer by layer, the truth began to surface, and by the time it did, the damage had already been done.Join my Patreon community at patreon.com/britishmurders for exclusive perks, including early access to ad-free episodes, bonus episodes and content, exciting giveaways, and welcome goodies!Follow me on social media:Facebook | British Murders with Stuart BluesInstagram | @britishmurdersTikTok | @britishmurdersJoin the private Facebook group:British Murders Podcast - Discussion GroupVisit my website:britishmurders.comIntro music:⁣David John Brady - 'Throw Down the Gauntlet'⁣davidjohnbrady.comDisclaimer:The case discussed in this podcast episode is real and represents the worst day in many people's lives. I aim to cover such stories with a victim-focused approach, using information from publicly available sources. While I strive for accuracy, some details may vary depending on the sources used. You can find the sources for each episode on my website. Due to the nature of the content, listener discretion is advised. Thank you for your understanding and support. Hosted on Acast. See acast.com/privacy for more information.