Podcasts about kloe

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.

In this thought-provoking episode of The Wealth Whisperer, Hazel explores the concept of "financial shifting sands," drawing parallels between the ever-changing nature of desert landscapes and our financial situations. The discussion emphasises the importance of recognising that income, job security, and economic conditions are in a constant state of flux. KEY TAKEAWAYS Financial Shifting Sands: Life and financial situations are constantly changing, much like shifting sands in a desert. It's important to acknowledge that nothing remains the same forever, including income, job security, and financial markets. Income Awareness: Be mindful of your income sources, as job stability can fluctuate due to various factors such as redundancies or changes in government policies. It's crucial to stay prepared for potential shifts in your financial situation. Banking Risks: Understand the implications of bank bail-ins, where depositors' funds may be used to support failing banks. It's advisable to ensure that your deposits are covered by financial compensation schemes and to diversify your funds across different banks. Pension Management: Regularly review your pension pot to ensure it is on track to provide sufficient income for retirement. Be proactive in seeking better-performing options and do not solely rely on state pensions. BEST MOMENTS"Nothing ever does stay the same. Even moment by moment, things change in our experience." "You become a creditor to the bank. That money goes into the bank, the bank lends it elsewhere." "You need to keep an eye on things and keep open for anything that may affect our financial situation." "It's good to acknowledge and know how that's going to affect you. Don't just bury your head in the sand." 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 episode, Hazel delves into the crucial topic of financial responsibility and the concept of financial power. Emphasising that finances are always your responsibility, regardless of your current situation, the discussion explores various ways individuals may inadvertently give away their financial power.  KEY TAKEAWAYSPersonal Responsibility for Finances: Taking responsibility for your financial situation is crucial, regardless of whether you are in debt or have significant assets. The more control you take over your finances, the better your outcomes will be. Recognizing Power Loss: Individuals often give away their financial power through various means, such as lack of knowledge, poor planning, comparison with others, and reliance on partners or financial institutions. It's important to identify these behaviours to regain control. Understanding Debt: Differentiating between good debt (which generates income) and bad debt (which incurs expenses) is essential. Bad debt can significantly diminish your financial power. Caution with Financial Advisors: When working with financial institutions or advisors, it's vital to conduct thorough research and maintain an understanding of your investments. Relying too heavily on others can lead to significant financial losses. Pros and Cons of Delegating Financial Control: While delegating financial management can provide time freedom and potential passive income, it also comes with risks, such as losing control and being vulnerable to exploitation. Always weigh these factors before deciding to give away financial power. BEST MOMENTS"Regardless of your situation, they are always your responsibility." "Comparison is the thief of all progress. What you have and what you do is your business." 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 myth that true wealth is merely about accumulating a large sum of money. Instead, she emphasises that real wealth equates to freedom—the ability to do what you want, when you want, with whom you want. Drawing from her 25 to 30 years of experience in financial education and property investment, she introduces the concept of generating multiple streams of income as the key to achieving this freedom.  KEY TAKEAWAYSTrue Wealth Equals Freedom: Real wealth is not just about accumulating money; it is about having the freedom to do what you want, when you want, and with whom you want. Diversifying Income Streams: To achieve financial freedom, it is crucial to create multiple streams of income rather than relying solely on earned income from a job. This can include investments, property, or other business ventures. Income as a River: Visualize your income as a river that flows in and out of your life. If you only have one source of income, it can dry up quickly, leaving you vulnerable. Multiple income streams ensure a steady flow. Passive Income is Essential: Generating income while you sleep is vital for long-term financial security. Without passive income, you may find yourself working indefinitely without the ability to retire comfortably. BEST MOMENTS"The key to creating true wealth is not to accumulate a great big pile of money." "Real wealth comes from being able to do what you want, when you want, with whom you want." "If you don't find a way to make money while you sleep, then you will work until you die." "Each and every property in our portfolio is a stream of income. It's a mini business." 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 essential concept of positioning oneself for wealth creation. Emphasising the importance of taking consistent and considered action, the discussion highlights various avenues for building wealth, including entrepreneurship, stock market investments, property portfolios, and cryptocurrencies. Hazel shares personal experiences and insights on leveraging time and resources effectively, while also addressing the significance of patience in the wealth-building journey.  KEY TAKEAWAYS Positioning for Wealth: To become wealthy, it's essential to position yourself in front of opportunities and take relevant, considered actions. Simply reading books or attending courses is not enough; action is crucial. Patience is Key: Wealth creation requires patience. Whether in property, stocks, or cryptocurrencies, understanding that significant gains take time is vital. Quick schemes often lead to losses, emphasizing the importance of a long-term perspective. Leverage and Time: Utilizing leverage (like mortgages) and allowing time to work in your favor can significantly enhance wealth-building efforts. Over time, investments can grow substantially, leading to a self-sustaining portfolio. Consistent Investment: Regularly investing small amounts into funds or assets, such as index trackers or cryptocurrencies, can lead to substantial growth over time due to the compounding effect and dollar-cost averaging. Wealth Being: Cultivating a sense of "wealth being" involves feeling proactive about your financial future. This mindset can enhance your investment experience and contribute to overall growth, allowing you to enjoy life while building wealth. BEST MOMENTS"The most important thing that we can do to help ourselves to become wealthy is to learn how to do it." "There are very very few, if any, real get-rich-quick schemes. They just are false." "Time has been the most powerful aspect of our journey. Because over the years, time, as well as leverage, has allowed the portfolio to grow." 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

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 episode, Hazel shares her personal journey towards financial and lifestyle freedom, reflecting on her early career as a music teacher and the feelings of being trapped by her circumstances. Hazel discusses her initial aspirations to create wealth through various ventures, particularly in property, and the lessons learned along the way, including the importance of cash flow over ego-driven goals. After achieving financial independence, she found herself feeling trapped again due to the demands of her coaching business. This led her to explore the true meaning of freedom and the necessity of inner work to cultivate a sense of freedom from within.  KEY TAKEAWAYSInner Freedom is Essential: True freedom comes from within, and it's important to focus on cultivating a sense of freedom and well-being internally before expecting external circumstances to change. Shift in Focus: Concentrating on what makes you feel good and engaging in activities that promote joy and abundance can positively influence your outer life circumstances. Financial Independence vs. Time Independence: Achieving financial independence does not automatically equate to having the freedom to spend your time as you wish; it's crucial to also prioritize time independence. Small Daily Actions Matter: Incorporating one to three small actions each day that evoke feelings of freedom, joy, or abundance can significantly enhance your overall sense of well-being. Continuous Self-Discovery: The journey towards freedom and fulfillment is ongoing, requiring regular reflection and adjustments to align with your true desires and values. BEST MOMENTS"I could sense in myself that I was not happy or satisfied with that as a continued life experience." "What I've discovered is that it's an inside job. That sense of freedom has to come from within." "You can't worry your way to wealth, right? You have to build your way to wealth and freedom from that good feeling place." 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 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!

In this episode, Hazel delves into the intriguing question of whether house price inflation is a con. Drawing from personal experiences as a property investor and coach, the discussion highlights the historical context of house price growth and its implications for today's market. Hazel examines the disparity between house prices and real wages, the role of the "Bank of Mum and Dad" in helping younger generations enter the property market, and the impact of inflation on perceived property value.   KEY TAKEAWAYS House Price Inflation vs. Real Value: While house prices may appear to be increasing, the real value of housing has not significantly risen since 2007 when adjusted for inflation. Affordability Crisis: The gap between house prices and earnings has widened, with current house price-to-earnings ratios being around six to eight times the average salary. Leverage in Property Investment: Leveraging properties can significantly increase potential profits. For example, spreading investment across multiple properties can yield higher returns compared to investing in a single property without a mortgage. Market Predictions: Predictions for future house price growth vary, with some forecasts suggesting a modest increase of 4% over the coming years, while others. Strategic Buying: Successful property investment requires careful purchasing strategies, such as buying below market value or in areas with strong growth potential.   BEST MOMENTS "Is house price inflation a bit of an illusion? The real rate of house price growth has slowed down dramatically in the last four years." "The affordability, therefore, is not there like it used to be... 57% of all mortgaged first-time borrowers last year used the Bank of Mum and Dad." "In real terms, prices are still lower than they were in 2007... house prices compared to inflation... they're not worth any more than they were in 2007." "You have to buy correctly and not just rely on the fact that house prices are going to keep going up in value." "It is, in my mind, still a fantastic time to get into the market... understanding the market conditions and buying correctly."   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

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.

In this episode, Hazel draws a captivating analogy between gardening and wealth creation, illustrating how both require careful preparation, nurturing, and patience. The discussion begins with the Hazel's admiration for her mother's exceptional gardening skills, leading to insights on establishing a solid financial foundation akin to preparing soil for planting. Hazel emphasises the importance of seeking expert advice, tending to investments with love and care, and understanding that growth takes time.  KEY TAKEAWAYS Foundational Preparation: Just like preparing a garden involves tilling the soil and understanding the right conditions for planting, establishing a solid financial foundation is crucial for wealth creation. This includes assessing your current financial situation and seeking expert advice. Patience is Essential: Growing both a garden and wealth takes time. It's important to trust the process and allow investments to mature without constantly checking for immediate results. Patience is key to seeing long-term growth. Tending and Nurturing: Regularly tending to your investments, much like caring for plants, is vital. This includes monitoring progress, making adjustments, and ensuring that the right conditions are maintained for growth. Weed Management: Just as a gardener must remove weeds and protect plants from pests, individuals should be vigilant against negative influences and distractions that can hinder financial growth. This involves doing due diligence and maintaining a positive mindset. Passion and Purpose: Engaging in financial activities that resonate with personal interests and passions can lead to greater success. Investing time and energy into areas you care about will enhance your commitment and drive for achieving financial goals. BEST MOMENTS "Wealth creation is exactly like growing a garden... it's the same process and it's the same concept." "If you don't do this bit, your finances are not going to grow unless you get this bit right." "It takes time for the roots to grow... you just let it do its thing." "The key is to do the groundwork, to put the right seeds in, and allow or provide the right circumstances for that investment to grow." "You need to have somebody who cares, who knows what they're doing and who can give you the best of their time and their knowledge."   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 "six steps to financial well-being," guiding listeners through a journey from financial ignorance to financial freedom. The discussion starts with the importance of financial awareness, emphasising the need for individuals to understand their financial situations. Each step is covered, from becoming aware of financial ignorance and developing awareness, to taking responsibility for one's finances, achieving stability, and ultimately reaching independence and freedom. The host encourages listeners to reflect on their current financial status and offers a valuable resource, the Financial Freedom Spreadsheet, to help them gain clarity and take actionable steps towards improving their financial health. This episode is a call to action for anyone looking to enhance their financial literacy and well-being. KEY TAKEAWAYS Six Steps to Financial Well-Being: The episode outlines a framework consisting of six steps to achieve financial well-being, encouraging listeners to assess their current position and identify areas for improvement. Financial Ignorance: The first step is financial ignorance, where individuals may be unaware of their financial situation, leading to stress and a lack of resources for essentials and luxuries alike. Importance of Financial Awareness: Moving to financial awareness is crucial. Utilizing tools like the Financial Freedom Spreadsheet can help individuals gain a clear understanding of their income, expenses, and potential savings. Taking Financial Responsibility: The third step involves taking action based on financial awareness. This includes making small, incremental changes to improve financial situations, such as negotiating lower interest rates on debts. Achieving Financial Freedom: The ultimate goal is financial freedom, which allows individuals to live life on their own terms without the constraints of financial stress, enabling them to choose how they spend their time and resources. BEST MOMENTS "The first step moving from financial ignorance to financial awareness is absolutely key and the most important thing to do." "Financial ignorance means that they don't, they're not aware of the situation that they're creating for themselves and they're not aware of how to actually get out of it." "It's those little incremental shifts that make all the difference." "Financial independence means that you have to then put in place and build a pot of assets that are going to start to pay you." "Financial freedom to me means the ability to do what you want, when you want, with whom you want."   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 "putting yourself in the way of success," emphasizing the importance of actively seeking opportunities and taking calculated risks to achieve financial freedom and personal fulfilment. Hazel highlights the necessity of commitment, delayed gratification, and self-belief, encouraging listeners to embrace challenges and learn from failures as valuable feedback. Hazel shares personal anecdotes about their journey to success, illustrating how early investments and a willingness to adapt have led to significant life changes.   KEY TAKEAWAYS Success requires active participation. You need to seek opportunities, take risks, and be committed to your goals to create the conditions for success. Achieving financial freedom often involves years of hard work and sacrifice. It's essential to prioritize long-term goals over immediate pleasures to build a solid foundation for your future. Self-belief is crucial. Recognize your worth and don't settle for less. Surround yourself with positivity and seek out opportunities that align with your aspirations. Continuously develop your skills and be open to new challenges. A healthy attitude towards risk and a willingness to learn from failures are vital for growth. Maintaining both physical and mental health is essential for sustaining your journey towards success.   BEST MOMENTS "Success doesn't just tend to happen. It involves you putting yourself out there in some way." "You have to be putting yourself out there in order to win the game." "There is no such thing as failure, just feedback." "If you feel you're being undervalued... you must make sure that you seek and search out the opportunities that are going to bring you that sense of worth." "Don't define your self-worth by your work. Some ideas will work, some won't. You just gotta dust yourself off and go again."   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 pressing economic challenges many are facing today, particularly the impact of high inflation and rising costs of living. With a focus on the financial squeeze experienced by individuals and families, the discussion highlights the significant devaluation of currencies and the soaring prices of essential goods and services. Hazel also explores the paradox of large corporations, especially energy companies, reporting substantial profits while consumers struggle. Hazel encourages awareness and informed decision-making to navigate these turbulent times effectively, setting the stage for a follow-up episode on house price inflation and its relation to the broader economy.   KEY TAKEAWAYS Inflation has significantly decreased the purchasing power of currencies, with the UK pound losing about 20-25% of its value over the last four years. While inflation can erode the real value of debt, making it easier for borrowers to manage their loans, the overall economic environment remains challenging due to rising costs and interest rates. Central banks may resort to quantitative easing to stimulate the economy by increasing the money supply. However, this practice can lead to currency devaluation. The UK's national debt is currently equivalent to its GDP, which is a concerning statistic. Comparatively, other countries like the US and Japan have even higher debt-to-GDP ratios. Interest rates have been rising rapidly, creating a cyclical effect where governments must refinance their debt. This cycle can impact personal finances, especially for those with mortgages or investment properties.   BEST MOMENTS "There has definitely been a massive tightening of belts that's had to be done over the last few years." "Not only has your pound gone down in value, things have become more expensive by X amount." "The UK currently, compared to its gross domestic product, is a hundred percent in debt. I mean, that's insane." "Quantitative easing... is literally plucking money out of the air out of the ether; it's not backed by anything." "We need to really take stock and think: are our house prices being artificially inflated?"     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/on-the-money-2024 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.

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.

In this episode, Hazel explores the importance of creating space in our lives for reflection and self-discovery. Emphasizing the need to step back from daily responsibilities and the chaos of life, she shares personal experiences of finding freedom and clarity through moments of solitude, such as dog walks and retreats. Hazel highlights how taking time to check in with oneself can lead to a deeper understanding of one's feelings and thoughts, ultimately guiding better decision-making. KEY TAKEAWAYS Creating space in your life, whether through daily practices like walking or through retreats, is essential for self-reflection and personal growth. It's crucial to take time each day to check in with yourself, assess your feelings, and allow your thoughts to surface, which can lead to clarity and a sense of calm. Often, our minds can complicate decision-making by getting stuck in past patterns. Tuning into your inner self can provide clearer insights and guidance. By regularly reconnecting with your core self, you can access a sense of peace, abundance, and love, which is vital for making informed life choices. Taking time to reset and reflect allows you to approach challenges from a more centered and proactive mindset, rather than reacting out of stress or confusion. BEST MOMENTS "Creating a bit of space in your world to take stock of what's going on, to reflect on what's happening, and just to, I guess, come back to yourself." "The most important gift we can give to ourselves is the gift of space." "Thinking and allowing the thinking to subside and sink down and coming back to your centre... is all important when it comes to clarity and the ability to move forwards." "It's so important to remind, re-mind yourself of this on a really regular basis, every single day." "By doing this, I find that it can just give you that totally different perspective on what's going on for 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/on-the-money-2024   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

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

In this one we talk to Professor Aviva Burnstock about what paintings can be and we chat with Polly Saltmarsh about communicating conservation and the joys of sticky toffee pudding sauce. Also tune in for a review of ‘On Canvas: Preserving the Structure of Paintings' by Stephen Hackney from Kloe. 03:48 When is a painting a painting? 10:05 On the nature of painted surfaces 13:13 How students might approach a painting 16:20 A chat about varnish 27:39 The joy of microscopy 28:39 Gut feelings and forgeries 34:06 Interview with Polly Saltmarsh 48:03 Review: On Canvas 52:28 Patreon appeal Show Notes: - The Courtauld Institute of Art: https://courtauld.ac.uk/ - Art and Artifice fakes exhibition: https://courtauld.ac.uk/whats-on/art-and-artifice-fakes-from-the-collection/ - Fake or Fortune: https://www.bbc.co.uk/programmes/b01mxxz6 - Polly's website: https://www.paintingsconservation.co.uk/ - Reopening the National Portrait Gallery: https://www.npg.org.uk/blog/road-to-reopening - On Canvas: https://shop.getty.edu/products/on-canvas-preserving-the-structure-of-paintings-978-1606066263?variant=29175364157517 Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Kloe Rumsey, and Aviva Burnstock. 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, 2023.

In this episode Jenny and Kloe address a correction before launching into a takeover special: join Kloe, Nerys Rudder and Jane Henderson as they go to the ‘Changing the World: Approach, Strategy and the Future of University Museums' UMG conference and run around the newly refurbished Manchester Museum. 03:55 A correction from Jane 07:13 Other comments from listeners 12:19 Three conservators go to a conference 55:28 Patreon appeal Show Notes: - Manchester Museum: https://www.museum.manchester.ac.uk/ - UMG Spring Conference 2023: http://universitymuseumsgroup.org/events/save-the-date-manchester-2023/ - S13E02 Accreditation Part 1: https://thecword.show/2023/04/05/s13e02-accreditation-part-1/ Support us on Patreon! http://www.patreon.com/thecword Hosted by Jenny Mathiasson, Kloe Rumsey, Jane Henderson and Nerys Rudder. 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, 2023.