Podcasts about kloe

Hazel discusses the "taboo" subject of money, the importance of open conversations about finances with significant others, children, and friends. Hazel talks about early experiences with money shape our understanding and relationship with it, using personal anecdotes to illustrate the value of earning and appreciating money. KEY TAKEAWAYS Importance of Money Conversations: Engaging in open discussions about money with significant others, children, and friends is crucial for understanding financial situations and opportunities. Avoiding these conversations can lead to missed opportunities and misunderstandings. Personal Experiences Shape Perspectives: Individual experiences with money, whether growing up in a financially constrained environment or having money readily available, significantly influence one's relationship with money. Sharing these experiences can foster better understanding and learning. Teaching Financial Responsibility: Introducing children to the value of money through earning and saving helps them appreciate its worth. Practical experiences, such as working for money or investing, can instill a sense of responsibility and understanding of financial concepts. Encouraging Financial Literacy: Conversations about money should include discussions on spending habits, saving, and earning. This can help individuals recognise their financial behaviors and make informed decisions about their financial futures. Breaking the Taboo: Money should not be a taboo subject. By challenging the stigma around discussing finances, individuals can improve their financial literacy and overall quality of life, leading to healthier financial habits and better financial outcomes. BEST MOMENTS "If you're not having healthy conversations about money... you could be quite frankly doing yourself a disservice." "Money habits are formed very early on. And if they're never challenged, then you may never realise the potential that you have on the financial front." "Just giving children things... isn't necessarily the best thing for them." "He said to us that he really appreciated it in a totally different way than if he had just been given it." "It's time to have that conversation to start with, with yourself and then secondly, with other people." VALUABLE RESOURCES Click Here To Book Your FREE 30 Minute Clarity Call HERE... https://calendly.com/thefreedomclub/3... ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Have you ever looked back and thought, “I should've taken that chance”? In this powerful episode, Hazel shares personal stories about missed opportunities and the life-changing lessons they bring. KEY TAKEAWAYS Recognizing Missed Opportunities: Everyone has experienced missing opportunities at some point in their lives, whether consciously or unconsciously. It's important to acknowledge these moments and learn from them rather than dwell on regret. Taking Action: When opportunities arise, it's crucial to be brave and take action. Hesitation and excuses can lead to missed chances that could significantly impact your life. Preparation is Key: It's not enough to simply be ready for an opportunity; one must actively prepare and practice to ensure they can seize it when it presents itself. Learning from Experience: Reflecting on missed opportunities can provide valuable lessons. Understanding what held you back can help you make better decisions in the future and encourage you to take risks. Cost of Inaction: Missing opportunities often comes with a cost, whether it's financial, emotional, or experiential. Recognizing what you miss out on can motivate you to act when new opportunities arise. BEST MOMENTS "Have you ever missed an opportunity? I think it's probably pretty safe to say that you have because most, if not everybody, has missed at least one big opportunity." "You can't turn the clock back, you can't get your youth back" "You have to be in the state of mind and the openness to take an opportunity when it presents itself to you." "There's literally no point living with regret. The next best thing is to prepare and then take action when you can." "If it's something that aligns with you, and something that feels right, then all I'm gonna leave you with is this: just do it." VALUABLE RESOURCES Click Here To Book Your FREE 30 Minute Clarity Call HERE... https://calendly.com/thefreedomclub/30min ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS ⁠Website⁠⁠ Instagram⁠ This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/⁠

In this episode Hazel explores the profound connection between the value we create for others and the financial rewards that follow. Drawing on inspiring examples from history, such as Henry Ford and tech giants like Microsoft and Apple, the discussion emphasises that true wealth stems from serving others and fulfilling their needs. KEY TAKEAWAYS Value Creation Leads to Wealth: Money is a byproduct of the value you create for others. Successful individuals and businesses have thrived by serving the needs of others and providing valuable solutions. Identify Your Passion: To transition from a traditional job to a more fulfilling role, it's essential to identify what you love to do. Ask yourself, "What is the one thing I cannot not do every day?" This can guide you toward a potential side hustle or business idea. Leverage Your Knowledge and Skills: Everyone has unique skills and knowledge that can be monetized. Whether it's a hobby or a professional skill, consider how you can share this expertise with others, such as through online courses, mentoring, or content creation. Capture Inspirational Ideas: Keep a notebook handy to jot down ideas that come to you, especially during quiet moments like first thing in the morning or last thing at night. This practice can help you discover new ways to bring value to others. See a Need, Fill a Need: Look for gaps in the market where your skills or passions can provide solutions. The concept of "see a need, fill a need" can inspire innovative ideas that not only fulfill your interests but also serve others effectively. BEST MOMENTS "Money is simply a byproduct of the value you create for others." "If you are perhaps in a nine to five role at the moment... how can I bring value to the table?" "What's the one thing you cannot not do every day? That's a really great question." "If something is a chore, then if you start up a little side hustle... it's not going to last." "See a need, fill a need." VALUABLE RESOURCESClick Here To Book Your FREE 30 Minute Clarity Call HERE...https://calendly.com/thefreedomclub/30min ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ KEY TAKEAWAYSBEST MOMENTS

In this episode Hazel explores the critical question of who we seek advice from, particularly in the context of fluctuating markets such as cryptocurrencies, property, and stocks. Evaluate the Source of Advice: It's crucial to consider who you are taking advice from, especially during volatile market conditions. Ensure that the person has relevant experience and knowledge in the area they are discussing. Beware of Hearsay and FOMO: Be cautious of opinions from friends or acquaintances who may not have a deep understanding of the subject. Avoid making decisions based on fear of missing out (FOMO) without doing your own research. Seek Experienced Mentors: Look for advice from individuals who have successfully navigated similar situations and have a proven track record. Their insights can provide valuable guidance based on real-world experience. Do Your Due Diligence: Always research the credibility of the advice you receive. Verify the background and expertise of the person giving advice to ensure it is grounded in reality and not just hype. Value of Paid Advice: If advice is free or inexpensive, consider its worth. Often, valuable insights come from those who have invested time and resources into their expertise, so be discerning about the sources you trust. BEST MOMENTS "Who do you take advice from? It's a really good and interesting question to ask yourself, particularly at points in the market that we see at the moment." "Never take advice from someone you wouldn't trade places with." "If I'd listened to her, we would have completely stuffed ourselves. We would have done ourselves out of years worth of amazing cash flow." "Make sure that the person you are actually seeking advice from is somebody that you would like to potentially trade places with." "If advice is free or cheap, then you have to really check whether that advice is worth it." VALUABLE RESOURCESClick Here To Book Your FREE 30 Minute Clarity Call HERE...https://calendly.com/thefreedomclub/30min ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/ KEY TAKEAWAYSBEST MOMENTS

In this episode Hazel is joined Tim Adams, a peak performance coach with extensive experience across various fields, including professional sports, the military, and business. Tim shares his personal journey, from his childhood dreams of playing in the NFL to overcoming significant challenges. KEY TAKEAWAYS The Importance of Perspective: Gaining a broader perspective is crucial for personal and professional growth. By exploring different viewpoints and experiences, individuals can break free from limiting beliefs and achieve greater success. Inner Work and Self-Discovery: True performance and success stem from doing inner work and understanding oneself. This involves facing personal challenges and shadows, which can lead to profound transformation and a more fulfilling life. Hustle vs. Harmony: While the hustle and grind mentality may be necessary at the beginning of one's career, true success comes from finding harmony and flow in life. This balance allows for sustainable growth and enjoyment in both personal and professional realms. Value of Relationships: Success is not just about individual achievements; it also involves nurturing relationships with family and friends. Acknowledging and prioritizing these connections is essential for overall well-being and fulfillment. Openness to Different Beliefs: Embracing diverse perspectives and being open to conversations about spirituality and personal beliefs can enrich one's understanding of the world. This openness fosters acceptance and allows for deeper connections with others. BEST MOMENTS "Life isn't happening to you. Life is happening for you and ultimately the place you want to get to is life is happening through you and from you." - Tim Adams "The sooner you can get your lesson, the sooner you can understand why this is happening for me, is the sooner I can start to now create the world in which I ultimately want to live in." - Tim Adams "There's a rhythm and a cycle for everything, and you do it while always having one eye on what you're currently doing and the other on the future you." - Tim Adams "I believe that the quickest way to improve the human condition is by touching the hearts, the minds, and the souls of leaders who can touch thousands, millions, maybe even billions of people." - Tim Adams "The hustle and grind mentality is required for the lower levels. You have to learn how to work." - Tim Adams VALUABLE RESOURCESLinkedin - https://www.linkedin.com/in/david-roberts-bwpInsta - davidcroberts_ Tik - davidcroberts_Fb - https://www.facebook.com/dave.roberts.5076798 And the community is designed to help owners build a high impact, high value business and a great place to work that you can scale, step forwards from or sell for life changing money - people can join at bit.ly/BWPCommunity Click Here To Book Your FREE 30 Minute Clarity Call...https://calendly.com/thefreedomclub/30min ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS ⁠Website⁠⁠Instagram⁠ This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/⁠

In this episode, Hazel explores the powerful concept of incremental shifts and how small, consistent actions can lead to significant changes in your life. Learn how to become the captain of your ship and navigate towards the success you desire, one degree at a time. KEY TAKEAWAYS Incremental Shifts Matter: Success is often the result of small, consistent actions taken over time rather than sudden, dramatic changes. These incremental shifts can lead to significant progress towards goals. Consistency Over Natural Talent: Individuals who may not have natural talent but consistently practice and improve their skills can surpass those who rely solely on their innate abilities. Regular effort and dedication are crucial for long-term success. The Importance of Action: Taking action is essential. Merely thinking about or discussing goals is not enough; actual steps must be taken to initiate change and progress. Mastering the Mundane: Success often involves mastering everyday tasks and making choices that may seem insignificant at first. These small decisions accumulate over time, leading to substantial results. One Degree of Change: Just as a ship can change its course by making small adjustments, individuals can alter their life paths by making minor, consistent changes in their daily routines. Over time, these small shifts can lead to entirely different outcomes. BEST MOMENTS"Successful people just do the things that seem to make no difference in the act of doing them and they do them over and over and over until the compound effect kicks in." "The journey starts with a single step not with thinking about taking a step." "It's the ordinary everyday things that are easy to do, but easy to not do." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode Hazel delves into the concept of the stories we carry about our financial situations and life circumstances. Drawing from personal experiences and insights gained during a recent retreat, the discussion emphasizes the importance of recognizing and letting go of narratives that no longer serve us, particularly those rooted in feelings of lack and anxiety.  KEY TAKEAWAYSRecognizing Limiting Stories: Many individuals carry around stories about their financial situations and life circumstances that stem from past experiences, which can create feelings of anxiety and lack. It's important to identify these narratives and question their validity. The Power of Self-Talk: The way we talk to ourselves and the stories we tell can significantly impact our lives. By changing our internal dialogue, we can shift our perspective and experiences. Letting Go of the "Unhappy Me": It's essential to drop the narrative of being the "unhappy me" and instead focus on recognizing our strengths and the abundance we already possess. This shift can lead to a more fulfilling life. Embracing Growth Through Challenges: Life will always present challenges, but viewing these as opportunities for growth can transform our experiences. Instead of succumbing to feelings of lack, we can ask ourselves what we can learn from difficult situations. BEST MOMENTS"We all carry around baggage that is not serving us, is not beneficial to us, and it is quite frankly downright heavy to take with us on this journey through our lives." "What we keep telling ourselves in our heads and also out loud has a big impact on us." "You get to decide who you are and what you want this life to be like." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode Hazel talks about the concept of the "golden trap," a feeling of entrapment that many experience despite achieving societal milestones such as home ownership, stable jobs, and family life. KEY TAKEAWAYS Understanding the Golden Trap: Many individuals reach a point in life where, despite achieving societal milestones (like a stable job, home, and family), they feel a sense of entrapment and unfulfillment, referred to as the "golden trap." Awareness is the First Step: Recognizing feelings of dissatisfaction and entrapment is crucial. Acknowledging these emotions allows individuals to assess their current situation and consider whether they want to continue feeling this way. The Illusion of the Golden Cage: The feeling of being trapped is often an illusion. There is a metaphorical door that can be opened, symbolizing the ability to change one's perspective and circumstances. Gratitude and Future Focus: Emphasizing gratitude for what one has while actively seeking ways to feel freer and more fulfilled can lead to a more satisfying life experience. The journey towards change is ongoing and requires commitment to personal growth. BEST MOMENTS"What I can share with you about this feeling of the golden trap is that you've reached a point in your life perhaps where you have the home, you have the family, you have decent job... and yet I feel trapped." "The first step to making any sort of change in your life is to become aware of what's not right, to become aware of that feeling or those thoughts in your mind." "In reality, this golden trap, this golden cage that many people experience at midlife is a bit of an illusion because in that golden cage, there is a door." "All you've got to do is acknowledge and realise that you are the one who has remained caged and kept yourself feeling trapped." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this weeks episode, we explore the concept of freedom, Hazel shares her personal experiences and insights on how freedom is not a destination to be achieved but a state of being that comes from within. KEY TAKEAWAYS Freedom is a State of Being: Freedom is not something to be achieved or obtained; it is a state of being that comes from within. It cannot be given by others or tied to external circumstances. Layers of Freedom: The journey to understanding freedom involves recognizing different layers, such as financial freedom, and then moving deeper to understand personal freedom that comes from self-awareness and authenticity. Letting Go of Conditioning: To experience true freedom, one must let go of societal conditioning, expectations, and the "shoulds" that dictate behavior. This involves embracing one's true self and desires. Emotional State Influences Experience: How one feels directly impacts their state of being. Tapping into positive emotions and heart-centered living can lead to a greater sense of freedom and fulfillment. Acceptance of Life's Circumstances: Accepting life as it is, rather than how one thinks it should be, allows for a deeper sense of freedom. This acceptance helps navigate life's challenges without being overwhelmed by anxiety or external pressures. BEST MOMENTS"Freedom is not something that you can achieve. It's not something that you can obtain. It is not a thing." "When I became financially free, it was an amazing feeling... but the reality was that I still had all these feelings, behaviors, patterns, thoughts, which were running me." "The more you can just be yourself and enjoy your life and let go of the stories... the more you are freeing yourself to be yourself." "If you can capture the essence of what it is that you're after... then you're just living in the prescripted patterns that the conditioning you've experienced is dictating to you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS www.the-freedom-club.com https://www.instagram.com/hazeldekloe/ This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode Hazel shares her personal journey of navigating financial challenges during her childhood, including the experience of receiving free school meals. She reflects on how these formative years shaped her relationship with money. KEY TAKEAWAYS Childhood Experiences Shape Financial Perspectives: Early experiences with money, whether through scarcity or abundance, significantly influence one's attitudes and behaviors towards wealth in adulthood. Resilience and Determination: Adversity in childhood, such as financial struggles, can foster resilience and a strong desire to succeed, motivating individuals to create a better life for themselves and their families. The Impact of Social Environment: Experiences like being on free school meals can lead to feelings of embarrassment and social challenges, highlighting the importance of understanding how social dynamics affect self-esteem and motivation. Wealth Beyond Money: True wealth encompasses more than just financial resources; it includes the richness of life experiences, relationships, and personal fulfillment. Encouragement for Reflection: Listeners are invited to reflect on their own childhood experiences with money and how these have shaped their current financial mindset and life choices, fostering a community dialogue on the topic. BEST MOMENTS"This experience of also having to go onto free school meals led to quite a challenging time at school." "I remember thinking, I'm going to do something with my life. I'm going to do well." "A lot of entrepreneurial spirit, I believe, is born out of adversity in your younger years." "What it was about was creating a richer experience of life." "It's our everyday experience of life that is the most important thing to focus on." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Hazel reflects on a transformative speakers course led by Robert Upright and Tony Gargan, which inspired her to confront the fears that have held her back from sharing her message on social media. She discusses the importance of getting out of your own way and challenges listeners to consider what might be holding them back in their own lives. Introducing the GROW model, she outlines four key steps: Gratitude, Realizations, Openness, and Wins. KEY TAKEAWAYS Get Out of Your Own Way: The importance of overcoming personal barriers and fears that hold you back from pursuing your goals and sharing your message with a wider audience. GROW Model: A four-step framework to facilitate personal growth: Gratitude: Shift your mindset from fear to gratitude to change your emotional state. Realizations: Gain insights about your journey and recognize how past experiences shape your current path. Open: Embrace openness to allow opportunities to flow into your life. Win: Celebrate small victories that help you progress toward your goals. Fear and Excuses: Acknowledge that fear often leads to excuses that prevent action. Recognizing this can help you take the first step toward change. Social Media as a Tool: View social media as a platform for sharing your message and connecting with others, rather than a source of negativity. BEST MOMENTS"I realized something during that week that had been holding me back." "What if you literally got out of your own way? Because doing something worthwhile takes time, but more importantly, it takes action." "The minute you switch from fear to gratitude, your state changes." "I just had to say these things to people to let them know that what we've done, and it was all possible." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode, Hazel looks into the crucial topic of financial responsibility, emphasizing the importance of being aware of personal finances in today's economic climate. Discussing the significance of monitoring income and expenses, understanding credit scores, and making informed decisions about savings and investments. KEY TAKEAWAYS Financial Awareness: It's crucial to monitor your income and expenses closely. Regularly check bank statements for unusual payments or unnecessary subscriptions to avoid wasting money. Credit Score Importance: Understanding and managing your credit score is vital for borrowing money responsibly. A good credit score opens up opportunities for better financial options. Education on Financial Management: There is a significant gap in financial education, particularly in public schooling. Many young people enter adulthood without a clear understanding of debt, credit, and financial responsibility. Shift from Old Paradigms: The traditional approach to financial success—studying hard, working for decades, and saving for retirement—may not be effective anymore. A new paradigm focuses on learning skills, finding passions, and leveraging investments for wealth creation. Creating Passive Income: Learning to manage and invest money wisely can lead to passive income streams. This approach allows individuals to retire early and enjoy life while their money works for them. BEST MOMENTS"It's extremely important to have the ability to be financially responsible." "How can our governments and financial institutions expect people to be responsible with their money when, quite frankly, they are not?" "Young people are typically thrown a credit card at the age of 18... all of which set them up in what I call this loop of debt." "The old paradigm... is rubbish, right? So let's look at a new paradigm, a new way of taking responsibility and working with your money." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this episode of The Wealth Whisperer, Hazel embarks on a passionate exploration of the complexities of our debt-based monetary system. With a focus on how money is created through loans and the implications of fractional reserve banking, the discussion highlights the pervasive nature of debt in our society and its impact on individuals and economies alike. KEY TAKEAWAYS Debt-Based Economy: The modern monetary system is primarily based on debt, where a significant portion of the money supply is created through loans. This reliance on debt is essential for economic growth and stability. Economic Growth and Debt: Continuous economic growth is necessary to service existing debts. If the economy stagnates or contracts, it can lead to difficulties in repaying debts, resulting in financial instability. Wage Slavery Concept: Many individuals are trapped in a cycle of "wage slavery," where they must work to earn money to pay off debts for things they cannot afford without borrowing. This creates a loop of dependency on debt. Critique of the Banking System: The current banking system is viewed as fraudulent, as it allows banks to create money out of nothing while individuals face legal consequences for attempting to do the same. This disparity raises questions about the fairness of the financial system. BEST MOMENTS"In my opinion, there are nowhere near enough people who understand how our monetary system works in the world." "A debt-based economy basically means that a significant portion of the money supply is actually created through loans and debt." "We are literally economic slaves because we have to earn money to be able to afford to buy things." "If you or I try to print money and use it to pay for things, it wouldn't be too long before we are put behind bars." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this weeks episode Hazel concludes a mini-series on financial calculations by focusing on the concept of return on equity (ROE). Unlike return on investment (ROI), which measures the profitability of a specific investment at the time of purchase, ROE assesses how effectively an asset generates profit over time based on the equity held. KEY TAKEAWAYS Understanding Return on Equity (ROE): Unlike Return on Investment (ROI), which measures the profitability of a specific investment at the time of purchase, Return on Equity assesses how effectively an asset generates profit over time based on the equity held in it. Evaluating Personal Assets: It's important to assess the equity in personal assets, such as property or savings accounts, to understand how well they are performing. This includes considering cash flow from rental properties or interest from savings. Home Equity Considerations: While many view their home as an asset, it typically does not generate income unless utilised in specific ways (e.g., renting out a room). Therefore, the return on equity from a primary residence is often zero. Regular Portfolio Assessment: Regularly reviewing the performance of your investments and equity is crucial. For example, a property that once had a high return on equity may underperform over time, necessitating a reevaluation of whether to keep or sell it. BEST MOMENTS"It's really important to understand the numbers and to understand the maths around how your money's working for you quite frankly." "Most people don't own... any sort of level of return on that equity in their own home. It's a big fat zero when it comes to a return on equity from your own home equity." "You have to be really careful... if you're going to consider releasing any equity from your own home, because this is obviously going to cost you more money." "The question really is what level of return would you like or want to see from your equity if you were to work with it differently?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of the podcast, Hazel delves into the essential financial calculations needed to assess property investments, focusing on the concept of whether a property will "wash its face." This term refers to determining if the rental income can cover the property's expenses, including mortgage payments. KEY TAKEAWAYS Understanding Cash Flow: It's crucial for property investors to ensure that a property can "wash its face," meaning the rental income should cover the mortgage payments and other expenses, providing a cushion for unforeseen circumstances. Basic Calculation Formula: To determine if a property is financially viable, start with the property value, calculate the mortgage amount (75% loan-to-value), and then assess the annual and monthly mortgage payments based on the interest rate. This helps in evaluating whether the rental income meets the lender's coverage requirements. Reverse Calculation Method: By starting with the expected rental income, investors can determine the maximum property value they can afford. This involves dividing the rent by the lender's rental coverage rate, converting it to an annual figure, and then calculating the maximum mortgage and property value. Market Awareness: Investors should be aware that property values can fluctuate. Having a solid cash flow can provide security during market downturns, as demonstrated by experiences during the 2008 credit crunch. BEST MOMENTS"The term wash its face is commonly used in the property industry to describe whether a property will look after itself in the context of the amount of rent coming in versus the amount of expenses going out." "You need that cushion so that you can be kind of considering that this property is going to be safe for you." "If the property increases over time in value and you don't change the mortgage, then the mortgage loan to value will become less than 75%." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Join us as we all share the love for the smaller museums out there by visiting somewhere local (to each of us) or ditty (if we were on holiday). Come along to five wonderful little museums! 01:03 Solange visits Derwent Pencil Museum 09:52 Phedra goes to the Museum of Greek Refugees 24:33 Liz visits the Our Lord in the Attic Museum 34:17 Kloe goes to Shibden Hall 44:00 Jenny visits the Dylan Thomas Boathouse Show Notes: - Derwent Pencil Museum: https://www.derwentart.com/en-gb/c/about/company/derwent-pencil-museum - The Museum of Greek Refugees: https://www.visitkavala.gr/en/sightseeing/museum-greek-refugees/ - Our Lord in the Attic Museum: https://opsolder.nl/en/museum-our-lord-in-the-attic/ - Shibden Hall: https://museums.calderdale.gov.uk/visit/shibden-hall - Dylan Thomas Boathouse: https://cofgar.wales/venues/dylan-thomas-boathouse/ Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2025.

In todays episode Hazel guides between yield and true rate of return in property investment. Hazel uses a straightforward example to illustrate how to calculate yield based on rental income and property value, highlighting that while a high yield can indicate good cash flow. KEY TAKEAWAYS Understanding Yield vs. True Rate of Return: Yield is calculated as the total gross rental income divided by the property value, while the true rate of return considers the actual cash flow relative to the money invested in the property, providing a more accurate picture of investment performance. Example Calculation: For a property worth £150,000 generating £900 monthly rent, the yield is 7.2%. However, after accounting for mortgage costs, management fees, and other expenses, the true rate of return can be calculated, which in this example is 8.4%. Importance of Cash Flow: A strong cash flow and true rate of return are crucial for property investors, as they provide a buffer against market fluctuations and ensure that investments remain profitable even during downturns. Investment Strategy: Aiming for a true rate of return of at least 8% is recommended, as this offers a better alternative to traditional savings accounts, which may not keep pace with inflation. BEST MOMENTS "Knowing and understanding the difference between the yield of a property and the actual true rate of return is absolutely vital." "The true rate of return will give you a much truer picture of what your investment is going to produce for you." "My golden rule of thumb is to be making at least 8% true rate of return if you're going to go into a deal like this." "If you have a decent level of cash flow and therefore true rate of return, it doesn't matter what happens to the market." "The main advantage of buying a property is that it has the potential to increase significantly in value over time." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Hazel delves into the essential topic of understanding financial terminology, specifically focusing on return on investment (ROI) and return on time invested (ROTI). The importance of being financially educated, especially since these concepts are often not taught in schools KEY TAKEAWAYS Understanding Financial Terminology: It's crucial to learn and understand financial terms like return on investment (ROI) and return on time invested (ROTI) to take ownership of your financial decisions and empower yourself in managing money. Importance of ROI: ROI is a basic calculation that measures the profitability of an investment. For example, depositing £10,000 in a high-interest bank account at 5.5% yields £550 annually, while higher returns (12%, 15%, or 20%) can significantly increase earnings. Compounding and Starting Small: You can start investing with smaller amounts, such as £20 or £50 a month, and benefit from the power of compounding over time, which can lead to substantial growth in your investment portfolio. Evaluating Time Investment: When considering investments, it's essential to factor in the value of your time (ROTI). For instance, if you spend 30 hours on a property deal and value your time at £20 an hour, that adds £600 to your costs, impacting your overall profitability. BEST MOMENTS"After all, this is a show all about becoming wealthy, not just in the financial sense." "It's absolutely crucial that you do learn and refine this part of your knowledge until you know it inside out if you are serious about becoming wealthy." "One factor that people tend to miss out of the equation... is the return on the time that they invest into completing a deal." "If you were able to generate more like 12% a year or 15 or even 20% a year return on investment, then obviously this is much better." "I thought that that would be a bit of a fun intro to the numbers." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Jenny, Liz and Solange tackle the age old question: how do you choose a conservation specialism? How did we find ours and what should you consider? Also tune in for a review of the new edition of ‘Culture is Bad for You' from Jenny! 00:31 Kloe and Phedra are on maternity leave 01:24 How Solange found books 05:57 Do we begin with the craft? 08:55 Solange accidentally introduces someone to conservation 13:09 Let's teach kids repair skills! 15:28 How Liz found paintings 19:25 Jenny's refusal to stick to any one thing 25:45 Don't be afraid to reach out! 27:49 Have any listeners switched specialisms? 33:04 But objects is a specialism! 34:40 How to narrow the possibilities 43:19 Skill shortages and ‘safe bets' 46:17 Review: Culture is Bad for You (new edition) Show Notes: - Culture is Bad for You – Inequality in the Cultural and Creative Industries: https://manchesteruniversitypress.co.uk/9781526177810/ Support us on Patreon! http://www.patreon.com/thecword Hosted by Solange Masher, Liz Hébert, and Jenny Mathiasson. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2025.

In this episode of The Wealth Whisperer, Hazel delves into the concept of SWOT analysis—an acronym for Strengths, Weaknesses, Opportunities, and Threats. Drawing from personal experiences in property coaching and her own financial journey, she emphasizes the importance of applying SWOT analysis not just in business contexts but also in our personal lives. KEY TAKEAWAYS Understanding SWOT Analysis: SWOT stands for Strengths, Weaknesses, Opportunities, and Threats. It is a valuable tool not only for businesses but also for personal development and life planning. Personal Application: Conducting a SWOT analysis on your own life can provide insights into your current situation, helping you identify areas for improvement and leverage your strengths and opportunities. Identifying Strengths and Weaknesses: Recognizing your strengths allows you to capitalize on them, while acknowledging weaknesses helps you find ways to mitigate risks or outsource tasks that you do not enjoy or excel at. Opportunities and Threats: Being aware of opportunities can guide you toward growth and financial freedom, while understanding potential threats, such as market changes or personal responsibilities, can help you make informed decisions. Actionable Insights: After completing a SWOT analysis, it’s important to determine your number one action or learning. This could involve outsourcing tasks you dislike or exploring new financial strategies to enhance your sense of freedom and efficiency in life. BEST MOMENTS"The S stands for strengths. The W stands for weaknesses. The O for opportunities and the T for threats." "When you can see your situation from different perspectives, it can actually help you to improve certain areas of your life." "It's always good to know and to see where you can make those changes to affect even more of that sense of freedom." "I can also sometimes get distracted when I'm in the middle of a task. So I need to keep myself on track sometimes." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the realities of achieving financial freedom, inspired by a recent discussion within the Freedom Club. Drawing from personal experience, Hazel encourages listeners to reflect on what they would truly do with their time if they were financially independent. KEY TAKEAWAYS Understanding Financial Freedom: Achieving financial freedom involves not just the financial means but also a mental shift in how to spend one's time. It's essential to consider what life would look like beyond the traditional work structure. Potential Challenges: Many individuals may feel lost or bored when they gain time freedom, as they are often conditioned to follow a structured routine. It's important to recognize these feelings and plan for how to fill the newfound time meaningfully. Social Connections: Financial independence can lead to a sense of isolation if friends and family are still working. Building a network of like-minded individuals is crucial for maintaining social connections and finding fulfillment in activities. Exploring Interests: With financial freedom, there is an opportunity to explore hobbies, travel, and engage in activities that bring joy. However, it's important to ensure that there are sufficient financial resources to support these pursuits. Positive Mindset: Instead of focusing on what one is escaping from (like work), it's vital to envision what one is working towards. This positive outlook can serve as motivation and help create a fulfilling life post-financial independence. BEST MOMENTS"What would I actually do with my time if I was financially free or could retire early?" "The reality may in fact be quite different to the dream." "If you have a feeling that it would be a little bit negative, that could actually end up holding you back from becoming financially free." "What would you spend your time doing if you had more time?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this reflective podcast episode, Hazel shares personal insights following their recent birthday, emphasising the importance of appreciating life and the fleeting nature of time. Drawing from recent experiences of loss among friends and family, they explore the concept of "renting" our possessions and the realisation that material things hold less value than meaningful experiences and relationships. KEY TAKEAWAYS Appreciation of Life: As we age, we gain a deeper appreciation for life and the importance of enjoying every moment, especially in light of loss and the inevitability of death. Material Possessions vs. Experiences: Life is often viewed as a rental experience; we don't truly own our possessions. It's essential to consider whether the time and effort spent acquiring material things are worth it compared to the experiences and memories we create. Living in the Moment: The message emphasizes the importance of living for the moment and making the most of our time with loved ones, rather than getting caught up in the pursuit of material wealth. Reflection on Time: Reflecting on how we spend our time can lead to a more fulfilling life. It's crucial to evaluate whether our daily activities align with what truly matters to us. Inspiring Others: By living authentically and joyfully, we can set an example for those around us, encouraging them to also embrace life and its fleeting nature. BEST MOMENTS"It just makes you think a bit more about how precious life is." "When you think about it, we don't own anything. If you really look at the nuts and bolts of it... you can't take it with you." "Everything that you buy in this life costs you your time." "Is the stuff more important than the experiences and how you feel during your life?" "You have to think, okay, what do I have in my life? What's important to me? How do I want to spend it?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel reflects on the passage of time and the importance of moving from a state of compulsiveness to one of consciousness. They share personal experiences of a mixed week, emphasising the quest for true freedom—both external and internal. KEY TAKEAWAYS Awareness of Time: Life can often feel like it's rushing by, and it's important to become more conscious of how we spend our time and the experiences we have each day. Inner Freedom: True freedom is an internal experience rather than something dependent on external circumstances. It’s essential to recognise that the feeling of freedom comes from within. Direct Experience: Our only reliable reference point in life is our own direct experience. By focusing on the present moment and what we are experiencing, we can cultivate a sense of peace and liberation. Mindfulness Practice: Taking moments throughout the day to stop, breathe, and let go of distractions can help us reconnect with a sense of well-being and inner peace. Neutrality of Life: For most of us, life is generally neutral and peaceful. By acknowledging this, we can shift our perspective and reduce stress, recognizing that many of our worries are not as pressing as they seem. BEST MOMENTS"What I really notice... is that we can actually miss a big chunk of our lives by just going through and doing the usual stuff." "The only thing that we know is our own direct experience of life." "If you find yourself searching for a sense of freedom... just stop for a moment. Just literally stop." "99% of the time, life is actually pretty neutral." "Every single day is a gift. I wake up in the morning and I remind myself that which I'm truly grateful." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode Hazel delves into the critical importance of decision-making in our lives and its impact on our well-being and success. Drawing from personal experiences and observations, the host emphasises that successful individuals tend to make quick decisions and change their minds slowly, while less successful people often struggle with indecision. KEY TAKEAWAYS Decision-Making and Wellbeing: The ability to make quick and effective decisions is crucial for personal wellbeing and success. Successful individuals tend to make decisions swiftly and change their minds slowly, while less successful individuals often do the opposite. Trusting Yourself: Many people are not taught to trust their instincts when making decisions. It's important to align choices with personal values and desires rather than societal or familial expectations. Impact of Environment: A supportive environment, especially during childhood, plays a significant role in developing decision-making skills. Lack of encouragement can lead to individuals feeling pigeonholed and unable to pursue their true passions. Exploring Personal Interests: Young people often receive prescriptive career guidance that doesn't account for their unique interests and strengths. This can result in unfulfilling career choices, highlighting the need for self-exploration. BEST MOMENTS"Successful people make decisions quickly and change their minds slowly, while less successful people make decisions slowly and change their minds quickly." "It's only your life, only you can live it." "When you are able to make decisions and choose things which feel good to you, it's almost like you then are able to act in flow." "You have infinite options. The question is, which path are you going to choose?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the concept of the learning curve, particularly in relation to money and finances. Drawing from personal experiences as a former teacher and current property expert, the discussion outlines the four stages of learning: unconscious incompetence, conscious incompetence, conscious competence, and unconscious competence. KEY TAKEAWAYS Four Stages of Learning: The learning process consists of four stages: unconscious incompetence, conscious incompetence, conscious competence, and unconscious competence. Each stage represents a different level of awareness and skill in managing finances. Unconscious Incompetence: This stage is characterised by blissful ignorance regarding financial management. Individuals may not be aware of their spending habits or the implications of their financial decisions, often leading to overspending and financial stress. Conscious Competence: At this stage, individuals begin to understand their financial situation and actively implement strategies to manage their money better. This includes budgeting, cutting unnecessary expenses, and seeking better deals on bills and services. Unconscious Competence: In this final stage, financial management becomes second nature. Individuals automatically apply their knowledge and skills to grow and protect their wealth, allowing them to enjoy life while securing their financial future. BEST MOMENTS"There's a saying which again you may or may not have heard in the past which is you don't know what you don't know." "This is the blissful ignorance stage. And we've all been there, right? Whether you still are, because you're either not a driver or you're learning to drive." "You need to become consciously incompetent, right? And this is where you begin to realize, well, something needs to change." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel explores the concept that saving alone is not a viable path to wealth, especially in the context of low interest rates and currency debasement. Drawing on personal experiences and statistics, the discussion emphasises the importance of investing in well-performing assets, such as property and cryptocurrencies, to outpace inflation and grow wealth over time. KEY TAKEAWAYS Saving Alone is Insufficient for Wealth: Simply saving money in a bank account is not enough to build wealth, especially given low interest rates and the impact of inflation and currency debasement. Understanding Inflation and Currency Debasement: To maintain the value of savings, one must save at least 11% annually to counteract the effects of currency debasement and inflation, which can significantly erode purchasing power. Investing in Assets: Investing in well-performing assets, such as property or stocks, can yield much higher returns compared to traditional savings methods. Historical data shows that certain assets, like UK house prices and Bitcoin, have significantly outperformed savings accounts. The Importance of Time and Patience: Long-term investment strategies, such as compounding returns, can lead to substantial wealth accumulation over time. The story of a janitor who amassed $8 million through frugality and smart investing illustrates this principle. Choosing the Right Financial Guidance: While working with financial advisors can be beneficial, it’s crucial to select them carefully, as not all advisors prioritize their clients' best interests. Understanding where and how to invest is essential for financial success. VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of the podcast, Hazel delves into the powerful concept of "you can only spend it once," inspired by her husband's insightful saying. She encourages listeners to reflect on their spending habits and consider the long-term implications of their financial choices. KEY TAKEAWAYS You Can Only Spend It Once: The concept emphasizes the importance of being mindful about spending money, as each expenditure is a one-time decision that impacts future financial goals. Awareness of Internal Conflicts: Reflecting on what you want your money to do for you can reveal internal conflicts between immediate desires and long-term financial goals, leading to more conscious spending decisions. The Power of Delayed Gratification: Choosing to delay immediate pleasures, such as daily coffee purchases, can lead to significant savings over time, which can be invested for future growth. Compound Interest Benefits: Regularly saving and investing small amounts, like the cost of a daily coffee or lunch, can accumulate to substantial sums over time due to the effects of compound interest. BEST MOMENTS"You can only spend it once. So we're going to really explore the idea of this and how you can really start to notice where your money goes." "As soon as your money leaves your pocket or bank account, it's gone. Never to be seen again unless you have invested it consciously." "If you were to apply the principle of pound cost averaging into some sort of investment vehicle that could make you 10% a year... it would be about £20,000." "This is particularly important for the youngsters of today, because a lot of youngsters think about the quick fix, the instant gratification." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel introduces a powerful exercise designed to help listeners navigate challenging decisions and conundrums in their lives. Drawing from a technique learned from a business mentor, Hazel outlines a four-question framework that encourages deep reflection and clarity. KEY TAKEAWAYS Four Question Exercise: The exercise consists of four key questions designed to help clarify decision-making: What would happen if I did...? What would happen if I didn't...? What wouldn't happen if I did...? What wouldn't happen if I didn't...? Application in Various Contexts: This exercise can be applied to both personal and professional situations, making it versatile for any challenging decision or conundrum. Structured Approach: To implement the exercise, divide a sheet of paper into four sections, each labeled with one of the questions, and write down your thoughts for each. Clarity and Insight: By answering these questions, individuals can gain clarity and insight into their thoughts, helping to sort through mental confusion and leading to a more informed decision. Immediate Gut Reaction: After completing the exercise, individuals often experience an immediate gut feeling about the best course of action, making the decision-making process more intuitive and straightforward. BEST MOMENTS"It is a simple yet effective and deep way of solving any seeming conundrum in your life." "This simple yet deep little exercise will bring about an almost instant gut feel reaction to the answers that you've given." "What wouldn't happen if I didn't invest in property? See what I mean by being like a bit of a head mess." "It helps you to see that situation from all different angles, all different perspectives." "If you have enjoyed this episode I'd massively appreciate a little like or a comment in the box as it really helps to get the message to reach other people." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the concept of pound cost averaging (or dollar cost averaging) as a powerful investment strategy that allows individuals to take control of their finances. By consistently investing a fixed amount into a chosen investment vehicle, such as stocks or cryptocurrencies, on a regular schedule, investors can mitigate the impact of market volatility. KEY TAKEAWAYS Understanding Pound Cost Averaging: This investment strategy involves consistently investing a fixed amount of money into a particular asset at regular intervals, regardless of the asset's price fluctuations. This approach helps to mitigate the impact of market volatility. Automate Your Investments: Setting up automated payments into your chosen investment vehicle can simplify the process and ensure that you consistently invest without having to think about it each time. Long-Term Focus: It's important to adopt a long-term perspective when using this strategy. Regularly checking the performance of your investments should be done infrequently to avoid emotional decision-making based on short-term market movements. Building a Diverse Portfolio: Once comfortable with the process, investors can apply the same strategy to multiple investment vehicles, allowing for the creation of a diversified portfolio over time. BEST MOMENTS"The principle is very simple... it's just that you are now in control. You get to decide where you put your cash." "Pound Cost Averaging evens out the big swings, the big highs and lows that can come in the market." "By pound cost averaging, we made a 37.2% gain... in a year, especially because the market was going wobble, up and down." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel explores effective strategies for managing and eliminating debt, focusing on two popular methods: the Debt Snowball and Debt Avalanche techniques. The Debt Avalanche method prioritises paying off debts with the highest interest rates first, ultimately saving money on interest payments and reducing the time needed to become debt-free. KEY TAKEAWAYS Debt Repayment Strategies: There are two primary methods for managing debt: the Debt Avalanche method, which focuses on paying off the highest interest debt first, and the Debt Snowball method, which targets the smallest debt first. Each method has its own advantages and disadvantages. Importance of Minimum Payments: Regardless of the chosen method, it's crucial to make minimum payments on all debts except for the one being targeted. Setting up automatic payments can help ensure that these minimums are met consistently. Pros and Cons of Each Method: The Debt Avalanche method can save money on interest and reduce the time to become debt-free, but it requires discipline and commitment. In contrast, the Debt Snowball method can provide quick wins and motivation by eliminating smaller debts first, though it may result in paying more interest over time. Debt Consolidation Option: Consolidating debts can be a beneficial strategy, especially if one has equity in their home. By refinancing at a lower interest rate, individuals can potentially reduce their overall interest payments and simplify their debt management. BEST MOMENTS"The Debt Avalanche method means you pay off the highest interest debt first, while the Debt Snowball method has you pay off the smallest debt first." "Using the Debt Avalanche method will save you the most in interest payments as you go along." "The snowball method can give you that motivation to settle your debts faster and see accounts closed down much quicker." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the principle of opportunity cost, emphasising its significance in making informed decisions, particularly in financial matters. As the new year begins, the discussion reflects on the regrets many individuals have regarding missed opportunities, such as investing in property or cryptocurrencies. Hazel shares personal experiences and insights gained over 15 years of working with clients, highlighting the importance of education and due diligence in investment choices. KEY TAKEAWAYS Understanding Opportunity Cost: Opportunity cost refers to the value of the next best alternative that is forgone when making a decision. It's crucial to recognise what you might be giving up when choosing one option over another. Importance of Education: Being informed and educated about different investment opportunities is essential. Knowledge can help individuals make better financial decisions and avoid regrets about missed opportunities. Delayed Gratification: Choosing to invest in long-term financial stability, such as property, over immediate pleasures like luxury vacations or cars can lead to greater financial security in the future. Learning from Experience: Not every investment will yield positive results, but each experience—whether successful or not—provides valuable lessons. Embracing failures as learning opportunities is vital for growth. BEST MOMENTS "Opportunity cost is the value of the next best alternative when a decision is made." "The opportunity cost of such was that we chose delayed gratification for future financial stability." "If you're not in the game, you're not learning." "It's important to align with the choices that you make and make sure that you are doing the correct due diligence." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel welcomes listeners to the New Year and shares a reflective exercise designed to help individuals take stock of their lives, particularly focusing on finances and personal growth. Hazel encourages listeners to grab a pen and paper to answer a series of thought-provoking questions that assess their achievements, challenges, and aspirations from the past year. By reflecting on what went well, what could have been improved, and what actions to take moving forward. KEY TAKEAWAYS Reflective Exercise: At the start of the year, it's beneficial to take stock of your life, particularly your finances, by reflecting on your achievements and areas for improvement. This can help you identify necessary adjustments to align with your life objectives. Mindset Shift: Progress towards personal and financial freedom often requires a shift in mindset. Recognising the importance of your thoughts and decisions can empower you to take different actions that lead to desired outcomes. Long-Term Perspective: People tend to overestimate what can be achieved in a year but underestimate what can be accomplished in five years. It's essential to focus on long-term goals and the foundational work needed in the early years of your journey. One Word Exercise: Consider what one word represents what you want to leave behind from the previous year and what one word embodies how you want to feel moving forward. This exercise can help clarify your intentions for the new year. BEST MOMENTS"It's a powerful little exercise that I'm going to be sharing with you." "If you don't stop then to be quite honest with you it could be feeling like you're bashing your head against a brick wall." "People massively overestimate what can be achieved in a year, but hugely underestimate what can be achieved in five years." "What one thing would you like to carry forward into 2025 in terms of your sense of being?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

Ho ho ho! In this festive special the team assembles to play a game of ‘Would you rather?' and make some predictions for the year ahead – plus an exciting announcement from Phedra and Kloe! 00:05:13 A game of ‘Would you rather?' 00:31:07 Predictions for 2025 00:38:04 The announcement! 00:41:01 Songs on YouTube 00:41:34 Thank you, listeners! Show Notes: - S09E08 Dyes in Conservation: https://thecword.show/2021/06/30/s09e08-dyes-in-conservation/ - S06E03 The One with the Arduino: https://thecword.show/2019/10/16/s06e03-the-one-with-the-arduino/ - Xray My Advent (Mastodon advent calendar): https://glammr.us/tags/XrayMyAdvent - Christmas playlist: https://www.youtube.com/playlist?list=PLrpSmIb8Dh32tU-6vLnvhEGVwauPGC3Ug Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Kloe Rumsey, Phedra Komodromou, Solange Masher, and Liz Hébert. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

In this special Christmas edition of The Wealth Whisperer, Hazel explores the transformative power of giving and its profound impact on wealth and well-being. Emphasising the ancient tradition of tithing and the spiritual significance of generosity, the episode features powerful quotes from notable figures like Saint Francis of Assisi and Winston Churchill. Hazel discusses how giving fosters a sense of abundance, opens the heart, and creates a positive energy exchange between the giver and receiver. KEY TAKEAWAYS The Power of Giving: Giving is recognised as a powerful principle that enhances both personal well-being and the well-being of others. It fosters a sense of abundance and love, which can transform one's perspective on life. Abundance Mindset: Embracing an abundance mindset, even in times of scarcity, can shift your feelings and open your heart. Recognising the support and care received throughout life can help cultivate this mindset. Different Forms of Giving: Giving is not limited to monetary donations; it can include time, knowledge, kindness, and even simple gestures like a smile. Each act of giving contributes positively to both the giver and the receiver. The Ripple Effect of Kindness: Small acts of kindness can have far-reaching effects, as illustrated by the "Pay It Forward" principle. Engaging in acts of generosity can create a cycle of compassion and gratitude. BEST MOMENTS"For it is in giving that we receive." — Saint Francis of Assisi "The sole meaning of life is to serve humanity." — Leo Tolstoy "If you want happiness for a lifetime, help somebody." — Chinese proverb "What giving does in my estimation is it proves the principle of abundance." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this thought-provoking podcast episode, Hazel guides listeners through a reflective exercise aimed at assessing their current life situation. By posing a series of introspective questions about work hours, income, and personal time, Hazel encourages individuals to confront the often-overlooked aspects of their daily lives. KEY TAKEAWAYS Self-Reflection on Time and Money: It's essential to assess how much time is spent working, including commuting, and how much net income is earned. This reflection helps identify the balance between work and personal enjoyment. Understanding Life's Obligations: Recognise the time consumed by family responsibilities and chores, which can limit personal enjoyment. It's important to differentiate between obligatory tasks and leisure activities. Financial Awareness: Calculate monthly expenses, including housing, food, and transportation, to understand the financial constraints faced. Many families find that their income barely covers essential living costs, leaving little for discretionary spending. The Importance of Financial Freedom: The discussion emphasises the need to create additional income streams to escape the cycle of working solely to meet basic needs. This can lead to a more fulfilling and less stressful life. BEST MOMENTS"These questions are designed to help you get a really good close look at your current situation, to help you square up and take a good look in the face at what's going on in your world right now." "How much time do you have to enjoy your life aside from working and after all usual family activities and personal responsibilities?" "It's quite shocking when you start to really take a good look at it and go, what the heck is going on? I'm in this zone of earning, working, paying for things, doing everything I need to do to just exist." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

We consider a few different takes on apprenticeships: Liz has been an apprentice, Jenny has hosted one, and Kloe is keen. Kloe also talks to Jane Henderson about the potential pitfalls, and Solange interviews stone carvers Nina Bilbey and Charlotte Howarth about how apprenticeships work in their industry. Don't forget to tune in for a Dear Jane about choosing a specialism at the end! 00:02:11 Recent keynote on the topic 00:08:38 Liz' experience of apprenticeships 00:15:30 How do you get to host an apprentice? (Jenny gets this a little wrong) 00:20:28 Jenny's experience of hosting a Level 3 apprenticeship 00:34:05 Some alternative approaches 00:37:48 Will employers accept apprentices? 00:45:46 Passing on knowledge 00:47:20 Correction about length of Icon apprenticeships 00:48:25 Interview with Jane Henderson 01:07:24 Interview with Charlotte and Nina 01:20:06 Dear Jane Show Notes: - S15E01 Icon24 Special + Summer Updates: https://thecword.show/2024/09/18/s15e01-icon24-special-summer-updates/ - Diversity Discussion Panel Bonus Episode: https://thecword.show/2019/03/01/bonus-episode-diversity-discussion-panel/ - Marsh conservation award winners 2024: https://www.icon.org.uk/resource/marsh-conservation-awards-winners-announced-at-icon24.html - Art CPR: https://www.artcpr.com/ - National minimum wage (including apprentices): https://www.gov.uk/national-minimum-wage-rates - Apprenticeship levels in the UK explained: https://www.gov.uk/become-apprentice - Georgie Dennis Conservation: https://www.georgiedennisconservation.com/ - S15E05 Accreditation Part 2: https://thecword.show/2024/11/13/s15e05-accreditation-part-2-the-international-take/ - SRAL: https://sral.nl/en - Icon apprenticeships: https://www.icon.org.uk/careers/conservation-apprenticeships.html - Museums Association AMA: https://www.museumsassociation.org/careers/ama/ - Charlotte Howarth: https://www.making-marks.com/ - Nina Bilbey: https://ninabilbey.com/ - The Lettering Arts Trust: https://www.letteringartstrust.org.uk/ - Listen to Charlotte and Nina's podcast: https://sites.libsyn.com/442152 Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Kloe Rumsey, and Liz Hébert. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Kloe and Solange give an update on their respective journeys while Liz and Phaedra talk to Bethany Jo Mikelait and Mariana Onofri about how the profession (and accreditation) works in Canada and Brazil. Also tune in for a Dear Jane about gently refusing to work on an object. 00:00:23 Solange and Kloe's updates 00:15:29 Who are our co-hosts? 00:16:32 How it works in Canada 00:31:28 How it works in Brazil 00:45:48 How can we be regulated BUT also inclusive? 01:01:51 Dear Jane Show Notes: - S13E02 Accreditation (Part 1): https://thecword.show/2023/04/05/s13e02-accreditation-part-1/ - Canadian Association of Professional Conservators: https://capc-acrp.ca/ - Bethany's practice: https://www.theartconservatory.ca/ - Follow Mariana on Instagram: https://www.instagram.com/marianaonofri.restauro/ - Canadian Conservation Institute: https://www.canada.ca/en/conservation-institute.html - Q&A with Indigenous lawmaker Célia Xakriabá: https://news.mongabay.com/2023/02/if-brazil-starts-with-us-why-did-we-arrive-last-qa-with-indigenous-lawmaker-celia-xakriaba/ - Regulamenta Ja's Instagram account: https://www.instagram.com/regulamentaja_cr/ - News in Conservation article by Sayang Rehan: https://www.iiconservation.org/publications/nic/news-conservation-issue-102-june-july-2024 - Museums Association Ethics Committee: https://www.museumsassociation.org/campaigns/ethics/committee/ Support us on Patreon! http://www.patreon.com/thecword Hosted by Kloe Rumsey, Phedra Komodromou, Liz Hébert, Bethany Jo Mikelait, Mariana Onofri, and Solange Masher. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

In this uplifting episode, host Jed Doherty chats with two authors about their powerful new books that celebrate underdogs and shine a light on mental health challenges. First up is James Stafford, the author of "Unbelievable Underdogs and Rebellious Role Models." James shares how his book features 26 captivating stories of sports heroes from around the world who defied the odds and achieved remarkable feats. From the shocking 2015 Rugby World Cup upset by Japan to the inspiring tale of Paralympic athlete Kathleen Thomas, these tales are sure to motivate young readers. James explains how he deliberately structured the book in short, illustrated chapters to engage even the most reluctant readers. He wanted to showcase the universal appeal of underdog stories and how they can inspire us to overcome our own struggles, whether in sports or in life. Next, Jed welcomes KM Selvidge, author of the children's book "Kloe's New Start." KM opens up about her personal connection to the story, which is inspired by growing up with a sibling dealing with mental illness. She discusses the challenges families face and the importance of open communication, support, and believing in yourself. Through the eyes of the main character Kloe, the book explores the stigma, isolation, and self-doubt that can come with having a family member affected by mental health issues. But it also highlights the power of friendship and finding your inner strength. Both authors hope their books will foster important conversations and provide windows into experiences that are often misunderstood. Whether you're a sports fan or looking to better support loved ones, these inspiring stories are a must-read. Click here to visit our website – www.ReadingWithYourKids.com Follow Us On Social Media Facebook - https://www.facebook.com/readingwithyourkids Instagram - https://www.instagram.com/readingwithyourkids/ X - https://x.com/jedliemagic LinkedIn - https://www.linkedin.com/company/reading-with-your-kids-podcast/ Please consider leaving a review of this episode and the podcast on whatever app you are listening on, it really helps!

Echoes of the past, dead objects, and creepy stores – Solange, Kloe and Jenny have a lot on their minds in this year's spooky special! Jenny also visits a newly opened paranormal museum, Liz reviews an enchanting chapter from a sumptuous tome, and Jenny reads a book of ghost stories set in heritage locations. 00:34 Have you heard of BevArt? 04:59 What are ‘ghost signs' exactly? 16:17 Solange's haunted attic dwelling 21:19 We get philosophical about the lives of objects 27:52 Spooky stores 33:01 Jenny visits Rowtons' Museum of the Paranormal and Spirituality 39:59 Jenny reviews ‘Eight Ghosts' 43:00 Liz reviews ‘Art as a Spell' 47:01 Patreon teaser – Phedra's mystery Show Notes: - BevArt: https://www.bev.art/ - BevArt's buy-back scheme: https://www.bev.art/blog/bev-art-launches-sensor-buy-back-program - Ghost signs according to Wikipedia: https://en.wikipedia.org/wiki/Ghost_sign - Historic England Ghost Sign project: https://historicengland.org.uk/whats-new/features/ghost-signs/ - Park Hill graffiti: https://en.wikipedia.org/wiki/I_Love_You_Will_U_Marry_Me - S01E02 Human Remains: https://thecword.show/2017/03/15/s01e02-human-remains/ - The Unbinding: https://www.imdb.com/title/tt27485427/ - Lyrics to Puff the Magic Dragon: https://genius.com/Peter-paul-and-mary-puff-the-magic-dragon-lyrics - Rowtons' Museum of the Paranormal and Spirituality: https://rowtonsmuseum.co.uk/ - Witchcraft – The Library of Esoterica: https://www.taschen.com/en/books/esoterica/08019/witchcraft-the-library-of-esoterica/ - Eight Ghosts book project via English Heritage: https://www.english-heritage.org.uk/halloween/eight-ghosts/ and https://www.english-heritageshop.org.uk/eight-ghosts-paperback - Buy the book on Amazon: https://www.amazon.co.uk/Eight-Ghosts-English-Heritage-Stories/dp/1910463736 Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Kloe Rumsey, and Solange Masher. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Fess up: when did you last lose something? Liz, Phedra, Kloe and Jenny explore what ‘loss' can mean in collections, in heritage generally, and in conservation. 00:01:10 What do we mean by lost? 00:02:13 Misplaced, disassociated, data loss 00:05:59 Kloe is a fan of the hard copy 00:11:53 Theft in museums 00:15:37 Does loss enhance the value of art? 00:17:56 The motivation behind a theft matters 00:21:30 Freeports and their implications 00:29:09 ‘Redistributed' or looted heritage 00:34:09 Climate change brings loss 00:36:44 Custodial neglect in our personal lives 00:50:14 Have you lost something during treatment? 01:04:07 Support us on Patreon Show Notes: - Dissociation as an agent of deterioration: https://www.digitwithraven.com/single-post/agents-of-deterioration-dissociation - ‘Thief at the British Museum' podcast: https://www.bbc.co.uk/programmes/m001zlz0/episodes/player - The theft of the Mona Lisa in 1911: https://www.historytoday.com/archive/months-past/mona-lisa-stolen-louvre - Cyprus receives artefacts back: https://cyprus-mail.com/2024/07/22/returned-items-reflect-struggle-to-recover-cultural-heritage/ - Geneva Free Port article: https://www.thecollector.com/geneva-free-port-the-worlds-most-secretive-art-warehouse/ - Acceptance In Lieu: https://www.artscouncil.org.uk/supporting-arts-museums-and-libraries/supporting-collections-and-cultural-property/acceptance-lieu - Art UK database: https://artuk.org/ - Hillwood Estate, Museum & Gardens: https://hillwoodmuseum.org - S11E01 Conservation and Conflict: https://thecword.show/2022/03/23/s11e01-conservation-and-conflict/ - Pontic Greeks on Wikipedia: https://en.wikipedia.org/wiki/Pontic_Greeks - Saving Ukrainian Cultural Heritage Online: https://www.sucho.org/ - Kloe's event on costume care: https://dancejoy.co.uk/ - S04E07 Tools Galore: https://thecword.show/2018/12/12/s04e07-tools-galore/ - S14E06 Musical Instruments: https://thecword.show/2024/05/30/s14e06-musical-instruments/ Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Phedra Komodromou, Liz Hébert, and Kloe Rumsey. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

We recap our experiences at Icon24: Conservation for Change as we reflect on the conference and our first nearly-full-team meet-up! Phedra also interviews Patrick Whife from Icon about organising the event. Finally we all share our various summer adventures and plans for the autumn! 00:02:07 We went to a conference (you might've guessed) 00:08:11 Audio adventures from Icon24 00:42:41 Phedra has a great idea (please steal it) 00:44:13 Creating a better experience online 00:50:32 We'd have Icon Loughborough or Icon Doncaster 00:53:06 Interview with Patrick Whife 01:13:16 What have Jenny, Phedra and Kloe been doing this summer? 01:19:22 Solange's summer update 01:21:45 And a summer update from Liz 01:23:55 Support us on Patreon Show Notes: - Icon24 details: https://www.icon.org.uk/events/icon-2024-conference-conservation-for-change.html - Assassins Creed Odyssey: https://www.ubisoft.com/en-gb/game/assassins-creed/odyssey - Book a tour with Liz: https://www.thoseamsterdames.com/ - Buy something from our shop: https://thecword.show/shop/ - Send us a donation: https://www.paypal.com/paypalme/thecwordpodcast Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Phedra Komodromou, and Kloe Rumsey. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Hello, It's Anchisa from the Ling app here to share another story with you! In this lively episode of "Learn Thai with Ling," We will explore the colorful world of LGBTQ+ as we dive into the vibrant world of LGBTQ+ slangs and culture in Thai and Tagalog. Featuring special guests Ananda and Kloe, this episode is packed with unique expressions, cultural insights, and plenty of fun! Let's start learning and have fun

In this year's travel special we go on FOUR individual journeys: a sort of deconstructed road trip. Kloe goes to sunny Spain, Liz takes her bike to the Rijks Museum, Jenny darts between museums in Sweden, and finally Phedra goes on a watery adventure in Cyprus. Don't miss the return of Cass Fino-Radin at the end of the episode, when they interview emerging conservation professionals at the recent AIC conference in Salt Lake City. Sit back and enjoy the journey! 00:00:36 What's a deconstructed road trip exactly? 00:04:06 Kloe excitedly explores Spain 00:21:44 Liz visits the Rijks Museum 00:34:40 Jenny wanders around Sweden 00:53:01 Phedra goes underwater in Cyprus 01:10:45 Cass interviews ECPs at AIC Show Notes: - S11E08 Manx Road Trip Special: https://thecword.show/2022/06/29/s11e08-manx-road-trip-special/ - Museo Arqueológico Nacional: https://www.esmadrid.com/en/tourist-information/museo-arqueologico-nacional - Fancy restaurant alert (Corral de la Morería Gastronómico): https://guide.michelin.com/gb/en/comunidad-de-madrid/madrid/restaurant/corral-de-la-moreria-gastronomico - Alcalá de Henares, Spain: https://artsandculture.google.com/story/agXhkBx8wyUD-w?hl=en - Rijks Museum: https://www.rijksmuseum.nl/en - Van Gogh Museum: https://www.vangoghmuseum.nl/en - Stedelijk Museum: https://www.stedelijk.nl/en - Operation Night Watch: https://www.rijksmuseum.nl/en/stories/operation-night-watch - Those Amsterdames tours: https://www.thoseamsterdames.com/ - Carl Larsson-gården, Sundborn: https://www.carllarsson.se/en/ - Dalarna in Sweden: https://www.visitdalarna.se/en - Falu Gruvmuseum: https://www.falugruva.se/en/ - Mining world heritage site of Falun: https://whc.unesco.org/en/list/1027/ - Christopher Polhem: https://en.wikipedia.org/wiki/Christopher_Polhem - Polhem B&B: https://polhembedandbreakfast.se/en/ - VRAK Museum of Wrecks: https://www.vrak.se/en/ - Paphos, Cyprus: https://en.wikipedia.org/wiki/Paphos - Tomb of the Kings: https://www.visitcyprus.com/index.php/en/discovercyprus/culture/sites-monuments/253-tombs-of-the-kings - MUSAN Museum of Underwater Sculpture Ayia Napa: https://musan.com.cy/ - Jason deCaires Taylor: https://underwatersculpture.com/ - Phedra's diving instructor: https://www.instagram.com/marishaa_cy - S13E07 Time-Based Media Conservation: https://thecword.show/2023/06/15/s13e07-time-based-media-conservation/ - Art and Obsolescence podcast: https://www.artandobsolescence.com/ - AIC 52nd Annual Meeting (Salt Lake City 2024): https://www.culturalheritage.org/events/annual-meeting/past-meetings/52nd-annual-meeting-in-salt-lake-city-(2024) Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson and Kloe Rumsey. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Kloe and Phedra are joined by Jill Carruthers in an episode all about newer, fresh-faced museums. What's it like opening a brand NEW museum? Phedra talks to Matt Turtle from the Museum of Homelessness AND Eleni Loizides from the Cyprus Archaeological Museum, while Solange sits down to chat with James Hogg from the Yorkshire Natural History Museum. Also tune in for a review of ‘Conservation Skills for the 21st Century' from Jenny! 00:01:20 What's a new museum? 00:12:34 How Showtown came to be 00:31:56 Making a museum yours 00:37:24 Redefining museums 00:42:05 Is less more? 00:49:54 Reminder! 00:51:19 Interview with Matt Turtle 01:04:09 Interview with James Hogg 01:17:10 Interview with Eleni Loizides 01:26:11 Review of ‘Conservation Skills for the 21st Century' Show Notes: - Showtown: https://www.showtownblackpool.co.uk/ - Grand Egyptian Museum influencer video Phedra mentioned: https://www.youtube.com/watch?v=0nwZkVldpvI - Quiz mentioned by Jill: https://www.mhminsight.com/culture-segments/survey/ - Join us on Patreon: http://www.patreon.com/thecword - Get your tickets for Icon24: https://www.icon.org.uk/events/icon-2024-conference-conservation-for-change.html - Museum of Homelessness: https://museumofhomelessness.org/ - Neo Jurassica: https://neojurassica.org/ - Yorkshire Natural History Museum: https://ynhm.org/ - Cyprus Archaeological Museum teaser videos made by the architect: https://youtu.be/iJrI4tOUDmQ and https://youtu.be/Vc8HjbVdmsI - Conservation Skills for the 21st Century: https://www.routledge.com/Conservation-Skills-for-the-21st-Century-Judgement-Method-and-Decision-Making/Caple-Williams/p/book/9780367443320 Support us on Patreon! http://www.patreon.com/thecword Hosted by Kloe Rumsey, Phedra Komodromou and Jill Carruthers. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Join Jenny, Kloe and Liz as they explore historic houses across the world, their unique charms, and quirky challenges. Phedra whisks us away to a sun-soaked historic house museum in Cyprus, while Liz delves into the meticulous conservation efforts at Sir John Soane's Museum with Jane Wilkinson. Finally, Kloe has a chat with Helen Antrobus about what it's like working in the National Trust. 00:00:28 What's a historic house? 00:03:18 Are all of them posh? 00:07:03 Nature and heritage in harmony 00:09:30 Our favourites 00:16:30 Jenny feels like an alien 00:23:14 Mitigating damage 00:24:56 Houses still in use 00:31:12 Challenges and temptations 00:37:21 What era are we interpreting or preserving? 00:40:57 Pests and damp patches 00:44:28 Patreon shout out 00:45:00 Interview with Jane Wilkinson 00:56:00 Phedra's visit to Lefkara 01:07:17 Interview with Helen Antrobus Show Notes: - National Trust: https://www.nationaltrust.org.uk/ - NT annual report Jenny quoted: https://documents.nationaltrust.org.uk/story/annual-report-2023/page/1 - Historic Houses (UK): https://www.historichouses.org/ - Rembrandt House, Amsterdam: https://www.rembrandthuis.nl/en/ - Kettles Yard, Cambridge: https://www.kettlesyard.cam.ac.uk/history-of-kettles-yard/ - Pollok House, Glasgow: https://www.nts.org.uk/stories/pollok-house-major-refurbishment - FAI or the National Trust for Italy: https://fai-international.org/ - Isabella Stewart Gardner Museum: https://www.gardnermuseum.org/ - Gawthorpe Hall, Ightenhill: https://www.nationaltrust.org.uk/visit/liverpool-lancashire/gawthorpe-hall - Chatsworth, Bakewell: https://www.chatsworth.org/ - Yin Yu Tang at Peabody Essex Museum: https://www.pem.org/yin-yu-tang-a-chinese-home - St Fagans National Museum of History in Wales: https://museum.wales/stfagans/ - Beamish, the Living Museum of the North, in England: https://www.beamish.org.uk/ - Museo Horne: https://www.museohorne.it/en/ - Holker Hall in Cumbria: https://www.holker.co.uk/ - West Dean College: https://www.westdean.ac.uk/ - Barnes foundation move in Philadelphia: https://www.nytimes.com/2004/12/14/arts/design/judge-rules-the-barnes-can-move-to-philadelphia.html - S10E04 Halloween special with haunted properties: https://thecword.show/2021/10/28/s10e04-halloween-special/ - Old World Wisconsin: https://oldworldwisconsin.wisconsinhistory.org/ - Sir John Soane's Museum: https://www.soane.org/ - The book mentioned by Liz: https://shop.soane.org/collections/books-and-maps/products/a-complete-description-of-sir-john-soanes-museum-24 - The Local Museum of Traditional Embroidery and Silversmith-work, Lefkara (for the virtual tour!): https://larnakaregion.com/directory/product/local-museum-traditional-embroidery-and-silversmith-work-lefkara - S10E02 Working with Curators: https://thecword.show/2021/09/29/s10e02-working-with-curators/ - Visiting the National Trust conservation studios: https://www.nationaltrust.org.uk/search?type=place&query=conservation - Hidden Treasures of the National Trust on the BBC: https://www.bbc.co.uk/programmes/m001lttx Support us on Patreon! http://www.patreon.com/thecword Hosted by Liz Hébert, Kloe Rumsey, and Jenny Mathiasson. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Meet the dream team! It's a crowded recording session today: Jenny and Kloe ask their new colleagues Liz, Phedra, and Solange about their new roles and their favourite objects, tools, and adhesives. What ARE a few of our favourite things? Also tune in for a review of ‘Conservation of Books' from Solange! 00:02:16 Who's Liz? 00:04:22 And who's Phedra? 00:07:00 Aaand who's Solange? 00:09:38 Experimentation ahead 00:14:10 Favourite Instagram accounts 00:17:08 Favourite objects 00:25:31 Least favourite objects! 00:34:02 Can you have a favourite pest…? 00:37:33 Favourite adhesive 00:53:38 Favourite tools 01:04:17 Review: Conservation of Books Show Notes: - Follow Liz on TikTok: https://www.tiktok.com/@lizhebertxcvi - Follow Liz on Instagram: https://www.instagram.com/lizhebertxcvi/ - Liz's website: https://readymag.website/u1771381592/4680039/ - The EC Podcast: https://open.spotify.com/show/35cVChweygfrY8A7o4LLiw or https://podcasts.apple.com/us/podcast/ecpodcast/id1507272772 - Future Conservator Podcast: https://soundcloud.com/user-979095571 - Follow Phedra on Instagram: https://www.instagram.com/phedrakom/ - Follow Solange on Instagram: https://www.instagram.com/liber.conservation - Solange's business: https://liberconservation.co.uk/ - You should definitely support us on Patreon: http://www.patreon.com/thecword - Squeaky Conservator on TikTok: https://www.tiktok.com/@squeakyconserves - Our new Instagram: https://www.instagram.com/the_c_word_podcast - International Mount Makers Forum: https://www.instagram.com/internationalmountmakersforum/ - Classical Studies Memes for Hellenistic Teens: https://www.instagram.com/csmfht/ - Fun Conservators: https://www.instagram.com/fun_conservators/ - Reversible Zine: https://www.instagram.com/reversiblezine/ - The Lady Art Handler: https://www.instagram.com/theladyarthandler/ - Conservation in Focus: https://www.instagram.com/conservationinfocus/ - Bridget Mitchell: https://www.instagram.com/bridget.mitchell_/ - Ki Culture: https://www.kiculture.org/ - S10E05 Aches and Pains: https://thecword.show/2021/11/10/s10e05-aches-and-pains/ - CAC-ACCR Conference (Keeping it Real: Conservation in Practice): https://www.cac-accr.ca/our-conferences/ - Conservation of Books (edited by Abigail Bainbridge): https://www.routledge.com/Conservation-of-Books/Bainbridge/p/book/9780367754907 Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Kloe Rumsey, Solange Masher, Liz Hébert, and Phedra Komodromou. Intro and outro music by DDmyzik, used under a Creative Commons Attribution license. Made available under a Creative Commons Attribution-NonCommercial 4.0 International license. A Wooden Dice production, 2024.

Can marriage survive the loss of a child?  Losing a child is the hardest thing a couple can go through. In fact 80 percent of marriages end in divorce after the loss of a child.  For the month of December we are sharing the stories of 4 couples and how their marriages not only survived the loss of a child, but continued to thrive.     In today's episode we have the Warren's.   Ivori and Kevin Warren have been married for 16 years and are a the mommy and daddy to an Angel  born in heaven on August 21, 2017. Ivori is a creative entrepreneur and many times has some bright ideas, one of which is the Loving Our Angel blog. The blog is their personal journal about her and hubby's journey to healing.  Loving Our Angel is also a new initiative that has been added to their non-profit foundation to increase pregnancy and infant loss awareness. As a very private person, it wasn't her initial thought to be so transparent, but as God did when she was diagnosed with Type 2 diabetes in February 2012, He is leading her to be transparent about their loss.  Ivori holds degrees in both Psychology and Human Resources Management – and currently working toward a doctoral degree in Higher Education.   Kevin holds degrees in both Information Systems & Science and Information Assurance – and currently working towards a doctoral degree in Applied Information System Management. She is also a MOMpreneur – Creative Director of Ivori Nicole EventsTM, professor, author, speaker, mentor, Chief Operating Officer of the Warren Community Cares Foundation, and active member of Alpha Kappa Alpha Sorority, Incorporated.  He is a United States Army Veteran, Master Rated 82nd Airborne Paratrooper, Chief Executive Officer  of the Warren Community Cares Foundation, and active member of Kappa Alpha Psi Fraternity, Incorporated. We reside in Northern Maryland with our two fur babies, Kole (the spoiled Pit Bull) and Kloe (the bossy cat).  Here are the Warren's. Listen to this episode here: sistersinloss.com/links Become a Sisters in Loss Birth Bereavement, and Postpartum Doula Here Living Water Doula Services Book Recommendations and Links Below You can shop my Amazon Store for the Book Recommendations You can follow Sisters in Loss on Social Join our Healing Collective Online Support Group Join the Sisters in Loss Online Community Sisters in Loss TV Youtube Channel Sisters in Loss Instagram Sisters in Loss Facebook Sisters in Loss Twitter You can follow Erica on Social Erica's Website Erica's Instagram Erica's Facebook Erica's Twitter

Ruud Smets and Marc de Kloe of Theta Capital join the show. In this episode we discuss: Theta's initial foray into the world of blockchain focused venture funds and hedge funds. The process of educating institutional limited partners on this emerging technology. How the Theta team segments the investable opportunities in the blockchain industry. Views on fund capacity and securing allocations in promising managers. Views on co-investment opportunities and how Theta has approached these opportunities. Promising trends for 2024. The Legends4Legends conference and plans with the event going forward. To learn more about Theta Capital visit thetacapital.com

Mr. Hedgehog has been dreaming of his Nana's famous apple cricket muffins for weeks. He decides it's time to go to the apple orchard to make his dream a reality. Get ready for a delightful adventure that ends with a visit to Nana Hedgehog! ENJOY! If you love this story, please share it with YOUR FRIENDS. It makes a big difference! Thank you to SOPHIA for the super important reminder message at the beginning! Thank you to the many premium subscribers who supplied sound effects used in this story. Thank you to CHARLOTTE, TROY, LENORA, ROXY, ALMA, PENINA, ELOISE, LOTTIE, NOLAN, MORGAN, MALCOLM, RAMONA, KLOE, SADIE, ARDEN, MARIN, KAEL, and AVA! Get more of the stories you love, ad-free listening, and access Little Stories for Sleep--a bedtime podcast featuring brand new sleep stories--with Little Stories Premium! Join at http://www.littlestoriespremium.com Find my two picture books, Little Hedgehog Goes to School and Little Fox Can't Wait to Dream at https://www.littlestoriestinypeople.com/books

We had the pleasure of interviewing Pocket over Zoom video!After much fanfare for his recent singles, the rising star of the electronic scene, Edinburgh-raised Pocket, recently released his debut Helix Records EP, ‘Love DIsc.'The EP features the single, “Evergreen (ft. kloe),” which is available to stream now. The track is built around a joyful and radiant house instrumental that balances perfectly with kloe's heartfelt lyrics and stunning vocal delivery.“‘Evergreen' was a song that I started with the idea that its simplicity is its strength. Lots of texture and all based around the piano part. KLOE and I had a chat about our lives and everything we were experiencing, and the song became a love letter to being with someone long distance. The unapologetic lyrics and feel is to me what makes it such a standout. In the climate of house music and dance music in the UK, it's very easy to hold yourself back from making something sweet and warm with the fear of not fitting the mold, and I'm happy with taking the chance to make that happen,” Pocket says.Diversity is the name of the game when it comes to Pocket's approach to music and the EP offers a kaleidoscope of ranges and styles. Emblematic of Pocket's fresh sound, “U (ft. BRONZE AVERY)” is the perfect combination of pop, house, and UK garage. Pocket's light and airy instrumental melds perfectly with BRONZE AVERY's powerful-yet-soothing vocals. Using curiously satisfying vocal chops, and minimal but intricate production, ‘Crying at Supermac's' shows off a sound reminiscent of classic Burial. Pocket's unique style pierces through the saturated scene, showcasing a unique and excitable new project for fans.It's been an incredible start to Pocket's career - he was named one of the top 25 artists to watch in 2022 by Mixmag (his song 'Heartbreak Engineering' was also named amongst ‘Best Tracks of the Year April 2022'); received playlist support from Flume, DJ Seinfeld, and Salute, released a remix for Charli XCX and performed alongside Porter Robinson and Fred Again and has been included in tastemaker playlists POLLEN and Altar. Pocket's recent release, ‘U (ft BRONZE AVERY), featured in Paper Magazine in addition to receiving support from a who's who of DJs including Armin Van Buuren, The Magician, Dillon Francis, Joris Voorn, Calvin Harris, MK, Icarus, Oliver Heldens, Martin Garrix, Kryder, Sam Divine, Don Diablo, Carl Craig, Gabriel & Dresden / Dave, and PS1, among others.We want to hear from you! Please email Hello@BringinitBackwards.comwww.BringinitBackwards.com#podcast #interview #bringinbackpod #Pocket #NewMusic #ZoomListen & Subscribe to BiBhttps://www.bringinitbackwards.com/followFollow our podcast on Instagram and Twitter!https://www.facebook.com/groups/bringinbackpodThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4972373/advertisement