Podcasts about majorca

Paul is on holiday, so there is no better time to bring you our favourite songs from the first 6 months of this year. So prepare for nine excellent songs from Real Sickies, The Short Fuses, Ravagers, Demented Are Go, Get Smart, Twat Union, Bloodshot Bill, Voodoo Love Gods and For I Am.Summer special, no additional material, time travel init, no Facebook comments, Quiz Time for Tony, last week, we have no idea, wedding, Paul's in Majorca, Poundland, not From the Vaults, Tony's International Gig Guide, Bolton, this week, time confusion, drummers, Maryland, no Izzatwat, 20th birthday is looming, beer gut, Antwerpen, World of Tony and a reminder of the ways you can listen.Song 1: Real Sickies - TriageSong 2: The Short Fuses – You Ain't Shit (Without A Leather Jacket)Song 3: Ravagers – Right To KillSong 4: Demented Are Go – Black ValiumSong 5: Get Smart – It's Up To YouSong 6: Twat Union – Singer Of The BandSong 7: Bloodshot Bill – Shish TaoukSong 8: Voodoo Love Gods – Chinese SpySong 9: For I Am - Jack Shit (His Pants)

In this episode, David is whisking us back to Majorca to tell us more about his lovely holidays there at the all-inclusive hotel resort. And he's got plenty more points on the list of things he made while there that he wants to discuss with Joe. Which include - wanting to become a waiter, living a more relaxed life, opinions on thongs, not belonging in England, scary night time toilet trips and a mystery topic that David's too embarrassed to read out on the pod. So he texts it to Joe instead. It's all inclusio!! FOR ALL THINGS CHATABIX'Y FOLLOW/SUBSCRIBE/CONTACT: YouTube: ⁠⁠https://www.youtube.com/@chatabixpodcast⁠⁠ Insta: ⁠⁠https://www.instagram.com/chatabixpodcast/⁠⁠ Twitter: ⁠⁠https://twitter.com/chatabix1⁠⁠ Patreon: ⁠⁠https://www.patreon.com/chatabix⁠⁠ Merch: ⁠⁠https://chatabixshop.com/⁠⁠ Contact us: ⁠⁠chatabix@yahoo.com⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

On Today's show, Devin recounts a night when his friend Cara, seeking comfort after a breakup, initiates a sexual encounter that turns into a mutual and pleasurable experience, deepening their friendship in an unexpected way. A young man with a feminine side and a desire for BBC shares his first experience fulfilling his fantasy with a well-hung Jamaican man, describing the pleasure and empowerment he felt during their encounter. A young woman has a sexual encounter with her best friend's dad, who teaches her about her own desires and pleasures, leaving her eager for more. Claire recounts a wild holiday in Majorca with her friend Kim, where they share a memorable threesome with a stranger, exploring their sexuality and pushing their boundaries.ASN Magazine Awards: Purchase Show Tickets and Hotel TicketsASN Magazine Awards Voting Link. You can vote once every 24hrs.I want to hear from you too! If you have a secret story or experience you've been dying to share, now's your chance. You can write to me directly at Nikky@dearnikky.com or submit your confession anonymously at DearNikky.com/confessions.Perhaps you have an erotic fantasy that's been burning inside you, or maybe you just want to say hello - whatever it is, I want to hear from you!By submitting a confession and/or question you certify the following stipulations to be true:You are the sole creator of the submission;You are 18 years of age or older and legally able to write, submit erotic or pornographic materialStories including Bestiality, Incest and Incest Fantasies, Underage Role-Play, Rape Sex, Rape Fantasies or other non-consensual content or Racial slurs will not be aired.We reserve the right to change names or other identifiable information.You are releasing all rights to this creationIf you've enjoyed tuning in to my show each week (and getting an inside look at some very private lives), please take a moment leave review wherever listen: whether that Apple Podcasts Spotify Google other platform helps new listeners discover helps spread word keeps conversation going Thank loving support⁠⁠⁠⁠⁠Dear Nikky: Sex Confessions From People Just Like You⁠⁠⁠⁠⁠ is out now!You can email me at ⁠⁠⁠⁠⁠Nikky@dearnikky.com. You can find me also a ⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠ Instagram⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠. Become a supporter of this podcast: https://www.spreaker.com/podcast/dear-nikky-hidden-desires--6316414/support.

Over the past few months, David's been getting up at 5 am to start working and wants to tell Joe about how much he's been loving it. So much so, he's buzzing! All of which Joe finds a little confusing, but he's very happy for David that he's being so productive. Moving on, David's also recently back from a week's family holiday in Majorca and made loads of notes while there of things that happened that he wants to discuss. The first of which is the very squashed seats he had on the flight out there. Buckle up, this episode is about to depart! FOR ALL THINGS CHATABIX'Y FOLLOW/SUBSCRIBE/CONTACT: YouTube: https://www.youtube.com/@chatabixpodcast Insta: https://www.instagram.com/chatabixpodcast/ Twitter: https://twitter.com/chatabix1 Patreon: https://www.patreon.com/chatabix Merch: https://chatabixshop.com/ Contact us: chatabix@yahoo.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Laura Hamilton is a TV presenter best known for presenting A Place in the Sun. She's been renovating properties since the age of 19 and has just taken on her first overseas project in Majorca, which she's filming, to create a guide to buying and renovating abroad.Laura has two children, 11 year old Rocco and 10 year old Tahlia, who she co parents 50/50 with her ex.Laura went back to work 3 weeks after having each of her children. She explained that was because she was scared someone else would jump into her shoes if she was away for longer. Laura's career to date is so jam-packed including being gunged on CITV, appearing in pantos, running the marathon, Dancing on Ice, and The Jump. She credits her Dad and his difficult start in life before finding music and happiness, saying life is just your story, and you've got to enjoy writing it. Cheers to that, Laura! Spinning Plates is presented by Sophie Ellis-Bextor, produced by Claire Jones and post-production by Richard Jones. Hosted on Acast. See acast.com/privacy for more information.

New York Times bestselling author and global phenomenon Anna Todd joins Zibby to discuss her new book, THE LAST SUNRISE, an unforgettable romance about a young woman's summer with a mysterious local in Majorca. Anna reveals how her son's rare genetic disorder, tuberous sclerosis, inspired this story, and then shares her journey, from getting married at 18 and becoming a mom at 21, to navigating military life, her son's diagnosis, and the beginnings of her writing on Wattpad. She reflects on author life, impostor syndrome, divorce, co-parenting, launching her own imprint, and finding unexpected love with a Korean partner she met through a language app!Purchase on Bookshop: https://bit.ly/4knMVh9Share, rate, & review the podcast, and follow Zibby on Instagram @zibbyowens! Now there's more! Subscribe to Moms Don't Have Time to Read Books on Acast+ and get ad-free episodes. https://plus.acast.com/s/moms-dont-have-time-to-read-books. Hosted on Acast. See acast.com/privacy for more information.

Opening Doors Within” by Eileen Caddy and “24hrs a Day” by Richmond Walker. #12steps #recovery #addiction #AA #CA

Relive the madness that was the 'Not So Secret Trance Event 2025' in Majorca, March 2025, with James Black's Saturday evening set! An hour of absolute peak time Trance madness delivered straight from the Balearics! TRACKLIST --------------------------------- + Lange & The MorrIghan vs Olive - Not Over The Milenium (James Black Presents Bootleg) + Lange & James Black Presents - Club Of Hearts + Brian McCalla, James Black Presents & Sinead McCarthy - Eclipse Of The Sun (Pierre Pinaar Remix) + DT8 Project - Destination (James Dymond Remix) + Mike Zakloxx - You & Me + Jam & Spoon - Right In The Night (Nicholson Remix) + Svenson & Gielen Vs Tiesto - Twisted Industry + Steve Hill Vs The Morrighan Vs Push - Cloudbusting + Ralph Fridge - Angel (Metta & Glyde Remix) + Flutlicht - Icarus (James Dymond Remix) + Lange - Wired To Be Inspired (James Black Presents Remix)

Today we dive into some unexpected consequences of plastic surgery — and why you might want to think twice before commenting on someone's appearance. Think twice next time you comment on someone's appearance. Weezer's new movie with Keanu Reeves and the best mockumentaries ever. Ryan Gosling teams up with Shawn Levy for the next Star Wars movie. Sam Altman spills the surprising cost of politeness at OpenAI. Vinnie explains why first dates should be more active, and Sarah shares how open houses spark her creativity. Are nicknames fading away, or were a lot of them just plain offensive?

This week, what does it take to be organised and productive? You can subscribe to this podcast on: Podbean | Apple Podcasts | Stitcher | Spotify | TUNEIN Links: Email Me | Twitter | Facebook | Website | Linkedin Get Your Copy Of Your Time, Your Way: Time Well Managed, Life Well Lived The Time Sector System 5th Year Anniversary The Working With… Weekly Newsletter Carl Pullein Learning Centre Carl's YouTube Channel Carl Pullein Coaching Programmes Subscribe to my Substack  The Working With… Podcast Previous episodes page Script | 366 Hello, and welcome to episode 366 of the Your Time, Your Way Podcast. A podcast to answer all your questions about productivity, time management, self-development and goal planning. My name is Carl Pullein, and I am your host of this show. One thing you will discover if you begin reading around the subject of time management and productivity is the importance of planning your week and day.  Every successful person i have come across, or read about, never fails to plan their days and week. Every person who is struggling, and not achieving their goals are not.  Instead, they find excuses. “I'm too tired”, “I don't have time”, “I have more important things to do”, etc, etc.  Yet, there's more to it than that. It's not just about having a plan for the day and being clear about what needs to be done. it's also about protecting time for the important, but not urgent work, and knowing when to say no, when to push and when to pull back and take some rest. In essence, it's about understanding yourself and knowing your limits. So with that said, let me hand you over to the Mystery Podcast Voice, for this week's question. This week's question comes from Tammy. Tammy asks, hi Carl, I'm trying to understand what I need to do to become more organised and productive. I know it's holding me back, but there's so much conflicting advice out there that I am confused. Can you help? Hi Tammy, thank you for your question. As I just alluded to, the best place to begin is to understand yourself.  This means knowing when you are at your most focused, when you are prone to distractions and how much sleep you need.  The chances are, if you stop and step back, you will already know this information. Perhaps you find yourself being able to get quite a lot of work done in the morning, but struggle in the afternoons. Or, you may come alive around 3 pm and can get a lot of work done then.  This knowledge, allows you to better structure your days. You can avoid meetings, where possible, at the times you are at your most focused, and rely on human connection to keep your energy levels up by holding meetings when you are less focused—there's something about human interaction that raises our energy levels. You can also ensure you are getting enough sleep, and that means being consistent when you wake up. As I recently learned, it's not the time you go to bed that matters, it's waking up at roughly the same time each day as that starts your 24 hour sleep/wake cycle.  If you mess around with your sleep/wake cycle, you will feel dreadful, and that destroys your productivity.  Once you have the basics locked in, you can then move on to structuring your days.  A couple of years ago, I wrote quite extensively about some famous authors. This was inspired by the book Daily Rituals by Mason Curry. In that book, Mason Curry wrote about incredibly productive people and how they got their work done.  One person, not featured in the book, I wrote about was author Jeffrey Archer. He writes a book every year, and he has his year structured to allow him to take care of writing the new book, promoting the book he wrote the previous year and dealing with his publishers, book cover designers and much more.  Archer also loves cricket. So his year is structured so he can reduce his workload in the summer when the cricket season is on.  This works brilliantly. Jeffrey Archer is consistent. Everyone who works with him knows he will be in Majorca between 27th December and the beginning of March writing his next book. They also know he will be available for meetings, promotions and events between March and June. From July to October, Archer is less available, and from October he's happy to do book tours, interviews and anything else his publisher needs him to do.  It's simple, consistent and makes working with Jeffrey Archer easy. Now, I know it's unlikely you are a multi-million selling author. It's likely you work in a place where there are multiple demands coming at you each day from bosses, customers and colleagues.  Demands such as wanting to know how you're getting on with this or that. If you dig a little deeper, though, most of these demands are because people don't trust that you remember that you committed to doing something for them.  What's the most common reason you chase someone up? It's most likely because you're worried they've forgotten they said they would do something for you.  Why is that? The most common reason is because most of the people we work with are inconsistent. And, yes, sometimes things fall through the cracks and get forgotten and we need to chase them up.  So, if you want less interruptions, which equals more time to do your work, be more consistent.  Consistent with your focus work times. Don't throw your hands up in the air and say “I cannot do that in my job”. You can. You just have to figure out how to communicate your focus work times.  As I was taught, if someone else can do it, so can you. If an airline pilot or surgeon can do their focused work without allowing distractions, so can you. Find the way. What do you have to do to resist interruptions?  So how do you become consistent? You put in place a structure for your day and for your week.  How much time do you need to stay on top of your communications each day? Most people tell me if they could have an hour daily dedicated to responding to messages and emails they would be on top of it. So schedule it.  The alternative is not good, is it? If you don't spend an hour on your messages today, how much time will you need tomorrow? If you skip tomorrow as well, now, how much time will you need? I'm sure you can find one hour a day, but to find three? That's verging on the impossible.  If you were responsible for sending out proposals to clients, how much time would you need for proposal writing to prevent a backlog?  You won't be accurate with your times; you don't have to be. You are using averages. If you get five proposals to write each day, and each proposal takes around thirty minutes to write, that means to prevent backlogs from appearing you need about two-and-a-half hours each day.  The only way you will be able to take care of your responsibility to send out the proposals would be to schedule two-and-a-half hours each day for doing the work. How else will you do it?  Now look at that from your colleagues's perspective? If they know you are consistent and are getting the proposals out on time, how likely will they be chasing and interrupting you?  That's what consistency does. It builds trust with your colleagues. They know once they send you a proposal to write, it will be done. So, they don't bother you asking if you've done it, yet.  My favourite all-time rugby player is Ellery Hanley. He was the greatest player of his generation. What made him so special? You could guarantee that if you made a break, he would always be right next to you, backing you up. This is what made him so good.  Sure he was tough, as all rugby players generally are. He was also fit and strong. But what made him so good was he consistently backed up his players. You knew if you broke your opponent's line, Ellery Hanley would be right there with you to take the ball and score.  Let's say you are that person responsible for writing proposals. You need two-and-a-half hours each day for proposal writing and an hour for your communications. That's just three-and-a-half hours you need to protect each day for your important work.  That still leaves you with four to five hours for anything else you may be required for. Is that impossible?  The final part to this is to plan your week and your day.  Planning the week is about looking at what you have to do and deciding what you will work on the following week. This will be influenced by your deadlines and what you have promised to others.  It will also be influenced by your personal life and your commitments there. If you have kids, they will have a big influence on your weekly plans too.  On a daily level, how many and when are your appointments for the day? what are your must do tasks? Must do tasks are non-negotiable. They must be done. Now, this means you do not want to have too many of these. I generally advise people to have no more than two.  By not allowing more than two must do tasks for the day, you are forced to prioritise. Prioritising is a learned skill. The more you practice it, the better, and faster, you will get at it.  I would also advise using a simple set of tools. A calendar, naturally, and a task manager. If you don't have a task manager now, choose one that's built into the devices you use. That would mean Apple Reminders if you use Apple tools, or Microsoft ToDo if you use a Windows system.  Once you have these tools—a calendar and a task manager, learn to use the tools. I see a lot of people regularly switching their tools in an erroneous belief that they will find the “perfect” tool. They won't the “perfect tool” does not exist.  The real secret is not the tools. It's how you run your day.  Make sure you plan each day, you are consistent doing the work you are employed to do and you get enough sleep.  Just those simple basic practices will improve your overall productivity. I can promise you it works every time.  Thank you, Tammy for your question and thank you to you too for listening. It just remains for me now to wish you all a very very productive week.   

Carnival to Shut Down UK Operation is the lead story on Friday Travel and Cruise Industry Podcast, April 18, 2025 with Chillie Falls, broadcasting from Palma, Majorca. Also today, MSC Cancels Cruise from New York; Mobile Adds Cruise Line; Four Dead in Naples Cable Car Accident; Heavy Snow Blocks Alpine Resorts; Port Plans Hull Cleaning Station;AT&T Revamps Plan to Include Cruise Ships; Cruise Ship Stuck In Port Due To Storm;  Disney Recycles Mooring Lnes; MSC Terminal Dethroned;and lots more LIVE at 10 AM EDT.  CLICK HERE for video feed #fridaytravelandcruiseindustrypodcast #travelandcruiseindustrynews #podcast #cruisenews #travelnews #cruise #travel #chilliescruises #chilliefalls #whill_us Thanks for visiting my channel. NYTimes The Daily, the flagship NYT podcast with a massive audience. "Vacationing In The Time Of Covid" https://nyti.ms/3QuRwOS To access the Travel and Cruise Industry News Podcast; https://cms.megaphone.fm/channel/trav... or go to https://accessadventure.net/ To subscribe: http://bit.ly/chi-fal I appreciate super chats or any other donation to support my channel. For your convenience, please visit: https://paypal.me/chillie9264?locale.... Chillie's Cruise Schedule: https://www.accessadventure.net/chillies-trip-calendar/ For your mobility needs, contact me, Whill.inc/US, at (844) 699-4455 use SRN 11137 or call Scootaround at 1.888.441.7575. Use SRN 11137. YouTube: https://www.youtube.com/ChilliesCruises Facebook: https://www.facebook.com/chillie.falls X: https://x.com/ChillieFalls Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello, Catholic Pilgrims. Oh boy, Mother Cabrini gave me the travel bug today. As she's cruising through the Mediterranean Sea, she describes going by the Balearic Islands, the main one being Majorca. She talks about Liguria, Italy which is an area known for its beauty.  I went and looked all these places up and now I need to travel there. I'll link to a few places in the show notes and you'll see. Maybe you've been there. If you have, write and let me know about it.  Enough about me and my travel obsession. Today is the anniversary of Mother Cabrini's profession of her vows. I tried to look up online to confirm the date, but I couldn't find anything. No matter, it's a beautiful day for her at sea.  Let's hear all about it by turning to page 85.  Majorca: https://www.seemallorca.com Liguria, Italy: https://www.italia.it/en/liguria

Marjolein gives the rest of us all the low-down on what's happening in Majorca with all the virtual riders there. Sean, Stef, Craig, & Marjolein discuss Herd Racing, imminent return of HSRL, What's new this season on Zwift dominates the News, and we run out of time before throwing it around the horn.

In today's podcast, I focus on  examples of loss of liberty.  The first is JS Bach being imprisoned for having the effrontery of asking his employer to let him go so he could seek a more lucrative employment elsewhere.  It's shocking that one of the world's greatest musicians was considered to be property.  Of course NO ONE should be considered to be property!  A friend of his, a mere horn player, was hung for a similar infraction.120 years later, Chopin spent a honeymoon on the island of Majorca with his new wife, George Sand.  Both of them were combining a honeymoon with holding good on promises to publishers—she on a book in progress and he on a collection of 24 preludes.  They spent several months living in a scary monastery high in the mountains partly because Chopin was suffering from TB, which the locals interpreted as an example of how sin leads to disease, the result being a loss of liberty for Chopin and Sand.The third example of loss of liberty deals with how cacao symbolized power in the four Central American societies—of the Olmecs, the Toltecs, the Mayans and the Aztecs.  Later, when Cortez brought cacao back to Spain, it came to symbolize power there as well with a loss of liberty for the Jewish doctors living in Bayonne, France, where they established cacao as an important local industry.  During the Industrial Revolution, cacao became an important foodstuff for factory workers and in order to provide it, the colonial powers forced West Africans to provide them with inexpensive beans.  The result was the use of child labor, five forms of which are described.I start the podcast with Bach's Prelude number 8 in E-Flat Minor and I finish with Chopin's Prelude #14 in the same key.  Bach's prelude was written in a prison cell.  Chopin's was written in a monastery cell.  Both are examples of a loss of liberty.As always, we are looking to help African cocoa farmers become African chocolate makers.  Join the revolution by donating to the cause!1.   Go to www.projecthopeandfairness.org and click on the Donate button.     -OR- 2.  Send a check to: Donations, PH&F, 1298 Warren Road, Cambria, CA 93428. Write to me at tom@projecthopeandfairness.orgTo learn more, visit www.projecthopeandfairness.org

In case you might've forgotten, we R here 4 U and we got what you've been waiting for. In the heat of last summer, we got to spend some time with Berlin-based retired graphic designer Charlotte Rohde. As we connected from three different continents she shared her love of the Olympics, the typeface New Edge, EULAs and what brat summer really meant. With this hot episode we kick of Season 5 of Graphic Support Group! We have a lot of amazing guests coming up. Thank you as always for the support and love. Community will keep us together, together we keep community. Don't forget - new hotline number - +1-929-277-1941We R Here 4 U. Get full access to Graphic Support Group Podcast at graphicsupportgroup.substack.com/subscribe

Lessons from the introduction of 'The Upanishads', translated by Juan Mascaró.Mascaró was born in Majorca, Spain and was early interested in spirituality, copying a book on occultism at age 13. However, he soon recognized its misleading nature, steering him away from false spiritual paths. This transformative encounter with the Bhagavad Gita revealed eternal truths, sparking a lifelong passion for Sanskrit and leading him to study modern and oriental languages, including Pali and English, at Cambridge. Mascaro lectured at Oxford on Spanish mystics, taught in Ceylon (Sri Lanka) and at the University of Barcelona, and later returned to Cambridge.Ways to Support:Substack: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ijmakan.substack.com/subscribe?=⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://becomingantifragile.com/support⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Art: ⁠⁠⁠⁠https://ikranrinmakan.com/

YFTers, it's almost March - somehow we are two months into 2025 already. Anywayyy, this week, Wells brings us up to speed on his new golf themed podcast that just launched called The Vanity Index—so break out those polos and single white leather gloves. Brandi is dealing with ITCHY boobs and she cannot stop touching them. PSA: If you see Brandi at dinner, please remind her to keep her hands off the goods. In the TV corner: Traitors keeps being straight-up Crazytown, USA and TikTok is spiraling over Danielle's dramatics (and those hats), and we are living for it. Meanwhile, The Bachelor races along at Mach 8 (or 9, or maybe 10??) in what feels like the shortest season ever, making it real hard to invest in these so-called love stories. Wells also has a White Lotus theory—what if the monkeys are actually the murderers?

Tuesday after Epiphany Optional Memorial of St. Raymond of Pennafort, 1175-1275; became a Dominican, and founded the Order of Our Lady of Ransom; went with King James to Majorca to preach; King James, however, was ruled by his passions, and set a bad example; Raymond commanded the king to send the woman away; the king said that he would, but he did not; Saint Raymond spread his cloak upon the water, tied up one corner of it to a stick for a sail, made the Sign of the Cross, stepped onto the cloak, and sailed along for six hours until he reached Barcelona; St. Raymond died at the age of 100 Office of Readings and Morning Prayer for 1/7/25 Gospel: Mark 6:34-44

Are you a real estate investor looking to maximize your returns and minimize hassles with your rental properties? This is a must-listen! You'll discover proven strategies for quickly filling vacant units and attracting high-quality, long-term tenants.  Hear Keith share insider tips on leveraging rent increases to boost your cash flow and property values.  Plus, you'll learn about an innovative financial tool - a Home Equity Investment - that can unlock a lump sum of cash from your properties without any monthly payments.  Tune in to get the edge on managing your rentals like a true pro and building lasting wealth through real estate.  This episode is packed with actionable insights you can apply to take your investing business to the next level. Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”. Show Notes: GetRichEducation.com/532 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about the dynamic between rents and prices, how to keep your vacancy rate low and the relationship between landlords and tenants. Learn about how a newer vehicle can give you a big lump of cash from your property without you having to make any payments, then inflation is your wealth building, Friend, yeah? really today on get rich education.    Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau, and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com    when you want the best real estate and finance info, the modern Internet experience limits your free articles access, and it's replete with paywalls and you get pop ups and push notifications and cookies disclaimers, ugh. At no other time in history has it been more vital to place nice, clean, free content in your hands that actually adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write ours myself. It's got a dash of humor, and it is to the point to get it. It couldn't be more simple. Just type up a text message with the letters G, R, E in the body and send it to the phone number, 66866, and when you start the free newsletter, you'll also get my one hour fast real estate course, completely free. Subscribe to my Don't quit your Daydream newsletter, and your mind will be wired for wealth. Text GRE to 66866, text GRE to 66866,   Corey Coates  3:02   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  3:18   Welcome to GRE from Villa Lenovo, Pennsylvania to Villanueva, Columbia, and across 488 nations worldwide. I'm Keith Weinhold in your listening to get rich education. I'm really grateful to have you as always. When you invest, you are buying a day that you don't have to work. That's what we're helping you do here every single week own real estate, and it's going to allow you to buy back big chunks of time for yourself later. And that's a big deal because your very life is made up of chapters of time. It's actually really cool when you own investment properties in a few different places, then you actually own part of, say, Indiana and Tennessee and Georgia. You own parts of those states. That's what we help you do here. And that sounds cool. Sounding cool, though, is not enough. There need to be good fundamental reasons behind the real estate portfolio that you are building. It's kind of interesting. With rental property investing, you're kind of doing the little things in order to hold together the big profitable picture, because there are all these forces that are simultaneously creating wealth for you when you've got income property with a loan. So yeah, you're just sort of trying to hold it together. You say, don't get your vacant property rented as soon as you want. So you might drop the rent 50 bucks and add a nice new kitchen faucet and ta da, just like that. It's rented, and all while you're doing those little things. Things to hold it together. Whether your property is vacant or rented, you are benefiting from leverage and inflation. Profiting on your loan. You're benefiting from some big forces either way. Well, on today's show, first, we're going to be talking about the little things like the one on one relationship between you and your tenant, and then later on the show today, that's when we'll grow and talk about a more macro force, like new ways for you to think about how you're benefiting from inflation when we talk about rents prices and the relationship between a real estate investor like you and your tenant. Recently, on the show here, I talked about how the 4.6% growth in wages like we do have today, that is a harbinger of you getting future rent growth. And this can get rent growth to catch up with the growth that we've had in property prices. And note that this is what happens. You need to remember that the bid format of buying property that allows for more rapid price escalation than the first come first serve at a set price format that you have when you're trying to rent out your property. All right, when you put up a property for sale, or you're the person that's buying one, that's usually not in a first come first serve process that's more of a competitive bid process. And see that is exactly why, in a hot market, real estate prices can run up fast. But because, say, you're renting out a property, and you're doing that, you're usually not accepting offers from prospective tenants and then taking the tenant that has the highest bid. Well, instead with rents, you're just taking the qualified first tenant that agrees to your fixed rent price of, say, $2,000 Okay, your prospective tenant isn't saying, Oh, I really like your rental, single family home, so I'll pay you $2,200 for instead of the 2000 that you're asking. And see that right there is why, in a hot market, property prices run up faster than rents do. But see when prices run up faster than rents, like they did, starting about four years ago, what happens is that begins to make rents, oh, they look like a relative bargain to people that are seeking housing. So that is the time that pivot point when rents catch up with prices, which is the cycle that I hope we are getting into next. Now. Right now, we have to be at a time of year where tenants tend to stay put. There isn't as much turnover as you approach the holidays, but a few months from now, turnover tends to pick up in the springtime. And before we talk about the economics of what you do when you have a vacant unit, understand that despite the national housing shortage, the rental vacancy rate really is not that low nationwide. Do you have any idea what the historically average rental vacancy rate is? You have any guess there? That's about 7% 7.3% to be exact. That's why, when you run your cash flow analysis for a property using one month per year is usually pretty safe, that's about 8% Well, all right, we've established that the long term national rate of vacancy is 7.3% the current vacancy rate is 6.9% and yes, that number is just what it sounds like. It's simply the percentage of rental inventory that's available for rent, and it maxed out at 11% back in 2009 that's when housing was badly overbuilt, and now with the housing shortage, you'll see that today's vacancy rate is only a little below normal, 7.3 versus 6.9 maybe you're wondering, well, why isn't it even lower, like five or 6% Well, one big reason why vacancy rates are just a little lower than the long run average is all of the apartment over building like I discussed with you two weeks on the show and I told you about my walk on rainy street in Austin, Texas last month, where they're building gobs of 500 foot tall apartment towers that aren't going to be occupied for a while, and I called that area America's apartment oversupply ground zero. But as you know, there are so many ways to parse and dissect real estate markets. The vacancy rate for apartment buildings today is 7.8% nationally, but for single family rental homes, it's only 5.4% that's because their supply is more scarce. But since there aren't many new apartment projects just getting started now, they're just completing when they started about two years ago, I would expect the apartment vacancy rate to come down over the next couple of years. And then, of course, each local area is going to have its own vacancy rate too. I mean, there are so many ways to parse, to bifurcate real estate, and all those figures I gave you are per the US Census. Well, I've explained to you before that when you have a vacant unit, that is the time for you to really push it test the market. Start your asking rent up rather high in order to see what you can get for it. And this is what's known in economics, in the free market as price discovery. This is your time for price discovery, but you usually only want to keep the rent way high for just a few days, otherwise you might needlessly increase your vacancy period. But here's the thing, if your unit is vacant after a number of showings, is it better for you to drop the rent, or instead, is it better for you to make some upgrades to the unit and keep that higher asking rent? Well, like seemingly everything in real estate investing, the short answer for you is, it depends right the upside of you dropping the rent is that it's a lot quicker and easier to do than making an upgrade to the unit. I mean, just snap your fingers and it's done. Dropping the rent might only take a few seconds or minutes, but see when you keep the higher asking rent and you make upgrades, you do more than just increase your rent income. You get a better quality tenant, first of all, and secondly, if you get, say, 5% more rent depending on your leverage position, you might get 10% more cash flow, that money that you feel in your pocket every month. A lot of landlords don't even consider those two attributes right there. See, when you get 5% more rent for a unit your tenant, of course, they only have to pay 5% more, yet you yourself as the property provider, you're getting perhaps 8% or 10% or 12% more money in your pocket because of the leverage. And right there, I essentially just described the third crown of get rich. Education's inflation triple crown for you. That third crown is called Cash Flow enhancement. And really there's another, I guess, a third here wealth building attribute that you've accomplished through achieving a higher rent, and that is, if it happens to be a five plus unit apartment building, you also actually just increase the value of the entire property, since they are valued on the net operating income in the cap rate. So we're talking about vacancy, rent and real estate economics here with three distinct elements that I just described about how upgrading and achieving a higher rent gives you a lot of distinct advantages. The downside of it being that it takes more time. And there's another one. What are we up to here? A fourth upside to upgrading and achieving more asking rent, as opposed to doing the minimum for lower rent. And that is, well, it's your pride of ownership. I mean, you're providing good housing now your whole mission is not about altruism alone, but you'll feel like you're on a more fulfilling mission when you are like I often say, providing housing that's clean, safe, still affordable and functional. There's a fifth reason in that is that higher rents help you deal with higher operating expenses. But maybe it's beyond just the way in which you're thinking. And you know, a lot of people really don't understand this or put this together. In fact, I was talking with a real estate investor last month at the New Orleans investment conference. He was talking about rising insurance expenses on his properties, saying that he had one property that just had a insurance premium increase of 10% and he sounded a little disappointed, saying that, well, I can't get 10% more rent, but I've got this 10% higher insurance premium. So you know, he was thinking that he was losing? No, he's not necessarily losing, because in absolute dollar terms, you're charging your tenant multiples more in rent than what you're being charged in insurance. Say that you're charging 2000 bucks in rent on a unit. All right? Well, on a monthly basis, just say that your insurance payment works out to 200 bucks on that unit. All right. Well, with just 5% more rent, that's $2,100 a $100 increase, but if your insurance goes up 10% from 200 to 220 bucks, that's just a $20 increase. So right there in that example, your rent increase is half of your insurance rate increase percentage wise, but in dollar terms, your rent just went up five times as fast as your insurance did, and you are even more cash flow positive than you were previously. So the point is in your monthly profit and loss statement, your cash flow statement, on your property, even your pro forma, keep in mind that your rent amount, that is the biggest monthly number, and being attentive to it can cure so many ills. And when you realize this, this plethora of positives, if you will, it can make a decision to, yeah, do something like replace that old Berber carpet with new vinyl plank flooring, and make that look more attractive to you, and it's gonna look more attractive to your tenant, and you're probably gonna get a higher quality tenant than what you would have placed otherwise. And when you upgrade a unit, not only is your property worth more, but you usually don't pay a higher insurance premium as a result of making that upgrade at all, despite your higher valuation. In fact, sometimes lower rents are subsidized by deferred maintenance, like a leaky faucet or a big crack in a ceiling, all right, now all of these things are sort of hard economic facts when it comes to the relationship between landlord and tenant. Let me then tell you about a, I guess, softer sensibility. Okay, let's get touchy feely for a minute, and that is the words that we use. In fact, those very landlord and tenant words themselves. Back in 2021 there is a first of its kind, legislation that was proposed in Ohio to change references in their state law from the word landlord to housing provider and from the word tenant to resident. Now I think that the word landlord is a rather strange word. I mean, it's kind of weird that we're still using that term today. In fact, in the small town that I grew up in in Appalachia, it was not an affluent area at all, not even close. It was lower middle class. But even as a kid, I knew that my parents owned their home and that all of my friends' parents owned their homes too. It wasn't until I was about age 13 when the Petroski family moved into town, cowdersport, Pennsylvania. They were nice kids. I befriended them, and they soon started using the term landlord. I might have been about 13 until I had even heard the word landlord, and I still remember then that it struck me as a strange sounding term. Now it was all simple, small, single family homes where I grew up, like these 80 year old Victorian homes. No one tried to divide their yard with fences. People didn't lock their doors. It was great. And anyway, the petroskis lived in a single family home that the landlord, Mr. Hosley, had divided up into three separate, walled off units. That's before the term house hacking even existed. But in fact, landlord, it is a futile and perhaps outdated term, and I'd have to agree that, instead of landlord, the term housing provider, you know what better describes you and I's role and the relationship to our tenants or residents. I mean the word landlord that almost sounds like a person is totalitarian or dictatorial, when in fact, most landlords are people like you, smaller and family owned, not land barons. I mean, HUD will tell you that America has 10 to 11 million individual investor landlords, and they manage an average of just two units each. Okay? So hardly dictatorial, not some tyrant that's going around trying to evict everyone. Not despotic. Let me practice a little with you today, is, I'll try to use the term housing provider instead of landlord, as much as I can here see sometimes what happens in society is that the frustration of poverty gets loaded onto housing providers, and that sets up a system of enforcement that assumes that they have an interest in crushing the people that pay them to keep their property businesses running. And the reason that, say, a food provider like a grocer or an entertainment provider like a basketball team owner, you know, they just don't seem to be as unpopular as a housing provider. And one reason for that is because housing is expensive and it's also non discretionary, meaning that everyone has to have housing. So you might consider using the term housing provider more often than landlord, especially around your tenant, if your tenant thinks of you as a housing provider that has to pay. A mortgage and operating expenses every month, rather than a landlord that turns every dollar of rent income into pure profit, which is never true. Well, if they understand that, you're going to be doing better from a tenant relations standpoint, and that's also completely truthful as well. As far as that Ohio State law and changing the word tenant to resident. Yeah, over the years, I know that a lot of people favor that term, including a lot of our turnkey providers at GRE marketplace. I've rode around in cars with them, and they're talking about their market, and they prefer the term resident to tenant. Now, tenant is a feudal term as well. It refers to someone who occupies land from a lord. The more direct term from feudal times is the word vassal. You might remember that from high school, V, A, S, S, a, l, that means a holder of a land that pays allegiance to a lord. Somehow, to me, the word tenant, it just doesn't feel as futile or like it's almost part of a system of oppression, like the word landlord feels. Landlord feels like some king brooding over his serfs. In fact, the word tenant is actually helpful, because if you tell me that a person is a resident, I don't know whether they own or they rent, but if you tell me they're a tenant, I know that they're renting. So tenant helps, because it's more descriptive and tenant does not sound to me like someone is being oppressed, either. But in any case, consider using housing provider rather than landlord. Here in the soft skills department, it can be hard to remember to do that though you're listening to get rich education podcast episode 532 I'm your host, Keith Weinhold, education is in our name, and I've got more learning for you.    Let's discuss something new and learn about what H E i's are that stands for home equity investment, and see if one of them can help you now, HEI's. They're a pretty new way where you can access a chunk of your home's equity without you having to make any ongoing payments. I mean, does that sound amazing, or what? Okay, it does sound amazing. You get a chunk of money out of your property now without making any payments, but there are some downsides to heis, as you might have guessed, all right. Well, first, let's talk about the way that it works. Okay with an hei. What happens is that a portion of your home's equity is given to you in cash, especially given to you by an investment group. Hey, windfall moment sounds amazing, and it gets even better, because you can use the funds however you like. I mean, what could you do with an extra few 10s of 1000s of dollars or hundreds of 1000s of dollars in cash? Further, unlike some of the better known vehicles, like home equity lines of credit and home equity loans, there are truly no payments for you to make with these heis, again, home equity investment, that's what we're talking about here. And better yet, you can access your funds in as little as a few weeks. And, yes, I mean, this sounds amazing, but you have got to be wondering, what is the catch with HEI's, and there are some what is in it for the investor? Is this investment group? Well, when you're ready to settle the investment years down the road, they are going to be paid out their agreed upon share as the percentage of the sale price or the appraised value. All right. So as you balance that and think that through who is an HEI for, then it's good for a borrower like you, in case you don't have great credit, or if you have a high debt to income ratio, is especially great if you are house rich and cash poor. And the reason that I'm talking about heis now is that more people find themselves in that very situation today, house rich and cash poor, and that's because Americans are sitting on all time, record equity levels of more or less 300k today. All right, that is the house rich part and more Americans are cash poor today. That's due to higher inflation. All right. Well, now that you know the basics of what a home equity investment is and what the upsides are, what about the downsides? More downsides of feeling this near term windfall without you having to make any payments? Well, your mortgage company might block you from taking on an HEI because see what you're doing is you're taking on another lien holder. Understand that with. An Hei, you've now got more of a lien than you do a loan, and much like a reverse mortgage, heis can also have high fees, and additionally, down the road, that investor might take a big chunk of the home's appreciation, that stuff should all be laid out in your terms up front. So that's something you ought to be able to see coming. All right. Well, now we're a real estate investing show here, so you're probably wondering, okay, great, and you've been hearing me use the word home, but can you get it on your non owner occupied property? Yes, at times you can get an HEI on rental property, but the terms are probably going to be less advantageous, then they will be on your primary residence. Now you might see he is referred to as a product of financial innovation, which is sort of synonymous with another term, financial engineering. And you know, whenever you see those terms, you typically want to exercise caution. Now that alone doesn't mean that an HEI is wrong for you. And of course, with any investment type, although it's usually not your main decision driver, you're going to want to learn about the tax consequences as well. And you might note that home equity investments are also known as a Home Equity sharing agreement, and although that's a longer term, it is more descriptive, and it makes sense because you and an investor partner are essentially sharing in your home's equity together. Now, as a GRE follower, you're able to understand what an investment like this would mean to you and your financial future. Since the rate of return from home equity is always yes, always zero, with an Hei, now you can separate out some equity, and now you'll have the potential for dollars that can earn a return somewhere, and you're going to enjoy better liquidity as well. But Caveat emptor, buyer beware with heis.    The GRE studio has been mobilized a lot lately, as I am here in Anchorage, Alaska today. And what am I doing here? Well, besides studying the housing market, not any local one, but the national housing market. I have also been skiing this week. Hey, when it comes to subscribing to our newsletter, which I do write myself, you might not have realized something. I don't overwhelm your inbox. When you start subscribing, you'll get a welcome set of emails that send every other day for about 10 days, but that's just in the beginning. After that, my newsletter is only sent about weekly whenever there's something critical in the real estate investing world that you really need to know about. It's also brief. It's important to keep it short because your time is valuable. And have you ever noticed that even the word abbreviation is too long? Our don't with your Daydream newsletter is always less than a five minute read. It's usually less than a three minute read to get the letter just text GRE to 66866, right now, see even opting in to get my crucial letter is brief. Now you can text GRE to 66866, more. Next. I'm Keith Weinhold. You're listening to get rich education.    Oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and giari listeners are. Text FAMILY to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text FAMILY to 66866    Hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualified. And chat with President Caeli Ridge personally. Start now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com.   Tarek El Moussa  30:17   What's up? Everyone? This is hgtvs Tarek El Moussa. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  30:34   Welcome back to get rich Education. I'm your host. Keith Weinhold, it's been said that in your life, what you're not changing. You're choosing loads of investors in the 401K or conventional investment plans. They aren't changing the fact that they're only getting their money to work for them. So they're choosing to deny ethically, getting other people's money to work for them, and that's why they have no option other than to work full time until they're old. Well, when you're that savvy borrower now, you're benefiting from both the asset leverage and the inflation profiting, as we know and the way to keep both your leverage high and the inflation profiting on your debt high is to intermittently change the fulcrum on your lever so that you don't have too much equity accumulating in your portfolio. And you also want to be investing in an inflationary environment be a debt DECA millionaire. Remember that term that I introduced to you here a few years ago, if you had ten million in debt at 3% inflation, you're profiting 300k per year just from that alone. Yes, the paradoxically glamorous life of having 10 million in debt, but it's all tied to income properties, so that your tenants make the pay down for you, and inflation pays it down even faster that debt DECA millionaire, he's obviously got to be a pretty creditworthy person in order to get ten million in debt in the first place. Yep, building lasting wealth is not conventional at all. And for the debtor, inflation is therefore your wealth building, friend. It's why, when you see your favorite can of La Columba cold brew coffee, which is a favorite of mine, gosh, it's nice and frothy. If you know, you know, in fact, I'm gonna crack this La Colombe triple draft latte to enjoy after the sh ow there. Did you hear that? No, I don't have any sponsorship with them, but when you see that cold brew price go from $4 to $5 well, that effect makes most people poorer. Some people think that effect makes everyone poor, but it's not making you and I poorer. It's enriching us. When you see consumer price inflation like that, there's a good chance that asset price inflation is occurring as well, and that's why seeing higher prices at grocery stores is probably a subtle signal that you are better off, not worse off. You're better off because you know how to arrange your financial life for inflation rather than being impoverished by it. Congratulations. Let's drink to that with a La Colombe coffee. What you're doing is you are swimming with the river flow, and almost everyone you know is struggling because they chose to swim against the inflationary river flow. See the way that almost everyone that you know goes about earning their income is that they only earn their income once, and they earn it at their job. In an inflationary world, you effectively have to earn your Fiat dollar twice, once when you work for it, and once again, when you invest to beat inflation, otherwise that dollar is just going to evaporate. And that seems so unfair. I mean, why should a surgeon or an athlete, engineer, programmer, accountant, why should those people that are successful in their field and serve society. Why should they have to develop expertise in a second field? Why do they have to do this just to maintain the wealth that they've already built, that they produced out on the free market? Why can't you have a store of value for the future? Inflation is the answer. So they need to develop expertise in a second field, and that's why listening to content just like this is therefore not optional, but it's actually mandatory in this cycle, CPI inflation peaked at 9.1% two and a half years ago, and despite that, has come down quite a bit. It's. A little elevated. It's still not down to the Fed's transparently stated 2% target, and by the way, there is another Fed meeting in two days. If the Fed cuts rates more, bond yields could go higher, which means mortgage rates tend to go higher. Inflation is powerful. A lot of people will tell you that it is the main reason why Jamie Carter wasn't re elected president in 1980 and today they'll tell you why. It's the main reason that it brought down the Biden Harris administration. But see, here's the thing, if you're able to obtain loans in the United States and some other developed countries, understand that you're in a sweet spot, and that sweet spot is a level of inflation that's actually low to moderate by world standards, and not hyper inflationary. All right. Now I know what you might be thinking. You're thinking like, oh, well, hyperinflation would be tremendous for a leveraged real estate investor. Now, why, though, would I say that we don't want hyperinflation? Well, there are countries with a history of hyperinflation, like Turkey, Argentina, Venezuela, Zimbabwe, Iran, they have a history of massive currency devaluation. Let's see what happens then is that financing becomes almost non existent in those places. When that happens, I mean history over hunches. History shows us that in places like that, forget about getting home mortgages, investor loans, a credit card, consumer debt, small business loans, unless maybe a usurious interest rates. If the US had a history of hyperinflation or even sustained bouts of really high inflation, then you know what cooperation between borrowers and lenders becomes nearly impossible. Even those governments of those countries, they have trouble borrowing money, except maybe at maturities of a few months. And you know, I always like to make a borrowing lending example with you and your friend. Okay, you don't want to loan your friend $1,000 for a year in hyperinflation, because if the inflation rate were 1,000% then, after a year, the $1,000 that your friend would pay you back, well, that's only $100 worth of purchasing power. Now, all right, that's why, if the US had one bout of hyperinflation, you know, maybe that would be good, because it would seriously wipe out all of your debts one time. If there became a history of that, though, then you might not get access to loans at all. I mean, who would be crazy enough to finance your growing real estate portfolio in hyperinflation? So the fact that globally, the US has low to moderate inflation levels. I mean, that can be a good thing, that inflation is most of the time, a more surreptitious force. It largely went without notice until the pandemic made it flare up and made that LA Columbia cold brew coffee go up, and made property prices and rents go up all while you're fixed. Mortgage payments stayed the same, totally sheltered from the inflation. All right. Well, if my solution to beat inflation by taking on debt and thinking about it that way, if that's not iconoclastic enough, I've got a different strategy for beating inflation, and I think that I did quickly mention this here about a year ago when Doug Casey was our guest on the show.    But yes, I do have another strategy for beating inflation, and it is controversial. It is almost blasphemy to say this out loud on any finance related show this inflation beating strategy, it's guaranteed to improve your quality of life, okay, no speculation here. A guarantee of improving your quality of life is so simple, anyone can easily do it. In fact, you even have companies competing with other companies to get you to do this, and the answer is to spend your money. Yes, I said it out loud. It guarantees that you'll improve your life. It's simple to do. Various counterparties are competing all over the place with each other. They're falling all over each other every single day to try to get you to do this well, as long as you've invested well first and you have ample liquidity by having a healthy relationship with spending there if that crew. Is to the Spanish Riviera in Majorca, is going to cost you $10,000 this year, but it'll be $11,000 next year. Then spend the money today and beat inflation. Yes, I said it. Spend some of your money if you've been listening to this show and following the guidance here, yes, you can afford to do it. I mean, what is money for anyway? And sadly, some like conventional finance professionals, they are reluctant to tell you to spend your money because they're compensated by the percent of your assets that they hold under management. Inflation makes borrowing and spending, then two irresponsible sounding things, borrowing and spending make complete sense when you do it right, like income properties tied to fixed rate loans.    Hey, why? I've got some cool announcements to share with you now and in future months here on the show, I've got a big collaboration coming up with long time friend of GRE here, Robert Helms of the real estate guys and I together. You'll learn more about that in the future. But first coming up this Saturday, the 21st at 3pm Eastern, over on YouTube, I am going to reveal GRE 's national home price appreciation forecast. So yes, to the nearest percent, I'll tell you exactly how much home price appreciation that you will get, an exact number, how much to expect in the US next year. Or, Hey, maybe I think that home prices will make a rare fall next year, what you're going to get that number, if that's what I forecast, you can go to our get rich education YouTube channel anytime here and make sure that you set a notification so that you are informed again. That's Saturday the 21st at 3pm eastern over on our get rich education YouTube channel, I expect that that information is going to benefit you.    Hey, if you appreciate the show here, do you think that you could help me out in just one small way? Call it my Christmas gift request. There's just one item on my Christmas list with you, and it should only take a couple minutes of your time leave a podcast rating and review for the show on Apple podcasts or Spotify. The rating is the five star thing. The review is a few sentences about what you get out of the show here. I would really appreciate the, I suppose, gift from you, and I will read your review myself too, if you don't know how to do it right inside those listener apps. Just open up a browser tab and search how to leave an apple podcast review or Spotify podcast review, or whatever platform you prefer to listen on. Yeah, it would feel like a little Christmas gift to me after all these months and years of listening, go ahead and provide me with some feedback. Tell me what you think, and thanks so much. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  43:10   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  43:38   The preceding program was brought to you by your home for wealth, building, get rich, education.com  

Melvyn Bragg and guests discuss the author of 'I, Claudius' who was also one of the finest poets of the twentieth century. Robert Graves (1895 -1985) placed his poetry far above his prose. He once declared that from the age of 15 poetry had been his ruling passion and that he lived his life according to poetic principles, writing in prose only to pay the bills and that he bred the pedigree dogs of his prose to feed the cats of his poetry. Yet it's for his prose that he's most famous today, including 'I Claudius', his brilliant account of the debauchery of Imperial Rome, and 'Goodbye to All That', the unforgettable memoir of his early life including the time during the First World War when he was so badly wounded at the Somme that The Times listed him as dead. WithPaul O'Prey Emeritus Professor of Modern Literature at the University of Roehampton, LondonFran Brearton Professor of Modern Poetry at Queen's University, BelfastAndBob Davis Professor of Religious and Cultural Education at the University of GlasgowProducer: Simon TillotsonRobert Graves (ed. Paul O'Prey), In Broken Images: Selected Letters of Robert Graves 1914-1946 (Hutchinson, 1982)Robert Graves (ed. Paul O'Prey), Between Moon and Moon: Selected letters of Robert Graves 1946-1972 (Hutchinson, 1984)Robert Graves (ed. Beryl Graves and Dunstan Ward), The Complete Poems (Penguin Modern Classics, 2003)Robert Graves, I, Claudius (republished by Penguin, 2006)Robert Graves, King Jesus (republished by Penguin, 2011)Robert Graves, The White Goddess (republished by Faber, 1999)Robert Graves, The Greek Myths (republished by Penguin, 2017)Robert Graves (ed. Michael Longley), Selected Poems (Faber, 2013)Robert Graves (ed. Fran Brearton, intro. Andrew Motion), Goodbye to All That: An Autobiography: The Original Edition (first published 1929; Penguin Classics, 2014)William Graves, Wild Olives: Life in Majorca with Robert Graves (Pimlico, 2001)Richard Perceval Graves, Robert Graves: The Assault Heroic, 1895-1926 (Macmillan, 1986, vol. 1 of the biography)Richard Perceval Graves, Robert Graves: The Years with Laura, 1926-1940 (Viking, 1990, vol. 2 of the biography)Richard Perceval Graves, Robert Graves and the White Goddess, 1940-1985 (Orion, 1995, vol. 3 of the biography)Miranda Seymour: Robert Graves: Life on the Edge (Henry Holt & Co, 1995)In Our Time is a BBC Studios Audio Production

Melvyn Bragg and guests discuss the author of 'I, Claudius' who was also one of the finest poets of the twentieth century. Robert Graves (1895 -1985) placed his poetry far above his prose. He once declared that from the age of 15 poetry had been his ruling passion and that he lived his life according to poetic principles, writing in prose only to pay the bills and that he bred the pedigree dogs of his prose to feed the cats of his poetry. Yet it's for his prose that he's most famous today, including 'I Claudius', his brilliant account of the debauchery of Imperial Rome, and 'Goodbye to All That', the unforgettable memoir of his early life including the time during the First World War when he was so badly wounded at the Somme that The Times listed him as dead. WithPaul O'Prey Emeritus Professor of Modern Literature at the University of Roehampton, LondonFran Brearton Professor of Modern Poetry at Queen's University, BelfastAndBob Davis Professor of Religious and Cultural Education at the University of GlasgowProducer: Simon TillotsonRobert Graves (ed. Paul O'Prey), In Broken Images: Selected Letters of Robert Graves 1914-1946 (Hutchinson, 1982)Robert Graves (ed. Paul O'Prey), Between Moon and Moon: Selected letters of Robert Graves 1946-1972 (Hutchinson, 1984)Robert Graves (ed. Beryl Graves and Dunstan Ward), The Complete Poems (Penguin Modern Classics, 2003)Robert Graves, I, Claudius (republished by Penguin, 2006)Robert Graves, King Jesus (republished by Penguin, 2011)Robert Graves, The White Goddess (republished by Faber, 1999)Robert Graves, The Greek Myths (republished by Penguin, 2017)Robert Graves (ed. Michael Longley), Selected Poems (Faber, 2013)Robert Graves (ed. Fran Brearton, intro. Andrew Motion), Goodbye to All That: An Autobiography: The Original Edition (first published 1929; Penguin Classics, 2014)William Graves, Wild Olives: Life in Majorca with Robert Graves (Pimlico, 2001)Richard Perceval Graves, Robert Graves: The Assault Heroic, 1895-1926 (Macmillan, 1986, vol. 1 of the biography)Richard Perceval Graves, Robert Graves: The Years with Laura, 1926-1940 (Viking, 1990, vol. 2 of the biography)Richard Perceval Graves, Robert Graves and the White Goddess, 1940-1985 (Orion, 1995, vol. 3 of the biography)Miranda Seymour: Robert Graves: Life on the Edge (Henry Holt & Co, 1995)In Our Time is a BBC Studios Audio Production

Full Text of ReadingsWednesday of the Thirtieth Week in Ordinary Time Lectionary: 481The Saint of the day is Saint Alphonsus RodriguezSaint Alphonsus Rodriguez's Story Tragedy and challenge beset today's saint early in life, but Alphonsus Rodriguez found happiness and contentment through simple service and prayer. Born in Spain in 1533, Alphonsus inherited the family textile business at 23. Within the space of three years, his wife, daughter, and mother died; meanwhile, business was poor. Alphonsus stepped back and reassessed his life. He sold the business, and with his young son, moved into his sister's home. There he learned the discipline of prayer and meditation. At the death of his son years later, Alphonsus, almost 40 by then, sought to join the Jesuits. He was not helped by his poor education. He applied twice before being admitted. For 45 years he served as doorkeeper at the Jesuits' college in Majorca. When not at his post, he was almost always at prayer, though he often encountered difficulties and temptations. His holiness and prayerfulness attracted many to him, including Saint Peter Claver, then a Jesuit seminarian. Alphonsus' life as doorkeeper may have been humdrum, but centuries later he caught the attention of poet and fellow-Jesuit Gerard Manley Hopkins, who made him the subject of one of his poems. Alphonsus died in 1617. He is the patron saint of Majorca. Reflection We like to think that God rewards the good, even in this life. But Alphonsus knew business losses, painful bereavement, and periods when God seemed very distant. None of his suffering made him withdraw into a shell of self-pity or bitterness. Rather, he reached out to others who lived with pain, including enslaved Africans. Among the many notables at his funeral were the sick and poor people whose lives he had touched. May they find such a friend in us! Saint Alphonsus Rodriguez is the Patron Saint of: Majorca Saint of the Day, Copyright Franciscan Media

Wednesday of the 30th Week in Ordinary Time Saint of the Day: St. Alphonsus Rodriguez, 1532-1617; born in Segovia, Spain; accepted as a lay brother by the Jesuits in 1571; he labored as a hall porter at Montesion College on the island of Majorca for 24 years; many came to him for advice and direction; he experienced many spiritual consolations, and wrote religious treatises; Alphonsus died after a long illness in 1617 Office of Readings and Morning Prayer for 10/30/24 Gospel: Luke 13:22-30

Welcome to our first episode of Season 5 of Late Boomers as we go Tripping with Cathy and Merry. Cathy talks about her trip to Barcelona and on Virgin Voyages where she went to Marseilles, Cannes, Ibiza and more, and Merry talks about her trip to San Diego to see America's Air Show and the Blue Angels.Thank you for listening. Please check out @lateboomers on Instagram and our website lateboomers.biz. If you enjoyed this podcast and would like to watch it or listen to more of our episodes, you will find Late Boomers on your favorite podcast platform and on our new YouTube Late Boomers Podcast Channel. We hope we have inspired you and we look forward to your becoming a member of our Late Boomers family of subscribers.

More mailbag, more of your emails - and this week's selection includes a request for a personalised birthday message, a repot of a kissing Joe, advice on buying a narrowboat, recollections from a holiday in Majorca, information on old TV prop storage, a lovely listener jingle and some momories from a listeners old raving days. Thanks for all your messages, we love reading them! Please send us more at chatabix@yahoo.com FOR ALL THINGS CHATABIX'Y FOLLOW/SUBSCRIBE/CONTACT: YouTube: https://www.youtube.com/@chatabixpodcast Twitter: https://twitter.com/chatabix1 Insta: https://www.instagram.com/chatabixpodcast/ Patreon: https://www.patreon.com/chatabix Merch: https://chatabixshop.com/ Contact us: chatabix@yahoo.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Morse code transcription: vvv vvv Venezuela Forces surround embassy sheltering opposition figures France sees thousands protest over new centre right PM Barnier Jenny Hastings Body found in search for wife of rugby star Californias Rancho Palos Verdes thrown into chaos by landslides Second body found after British hikers went missing in Majorca Artist Alison Lapper on the grief of losing her only child Boeing Starliner spacecraft lands back on Earth Miss Fiji 2024 The alleged plot to steal a queens crown at tumultuous beauty pageant Heads of CIA and MI6 say world order under threat not seen since Cold War Dont mention Trump how Republicans try to sway women voters

Morse code transcription: vvv vvv Dont mention Trump how Republicans try to sway women voters Artist Alison Lapper on the grief of losing her only child Miss Fiji 2024 The alleged plot to steal a queens crown at tumultuous beauty pageant France sees thousands protest over new centre right PM Barnier Venezuela Forces surround embassy sheltering opposition figures Californias Rancho Palos Verdes thrown into chaos by landslides Second body found after British hikers went missing in Majorca Heads of CIA and MI6 say world order under threat not seen since Cold War Boeing Starliner spacecraft lands back on Earth Jenny Hastings Body found in search for wife of rugby star

Morse code transcription: vvv vvv Californias Rancho Palos Verdes thrown into chaos by landslides Second body found after British hikers went missing in Majorca Miss Fiji 2024 The alleged plot to steal a queens crown at tumultuous beauty pageant Venezuela Forces surround embassy sheltering opposition figures Boeing Starliner spacecraft lands back on Earth Dont mention Trump how Republicans try to sway women voters France sees thousands protest over new centre right PM Barnier Artist Alison Lapper on the grief of losing her only child Heads of CIA and MI6 say world order under threat not seen since Cold War Jenny Hastings Body found in search for wife of rugby star

Morse code transcription: vvv vvv Dont mention Trump how Republicans try to sway women voters Boeing Starliner spacecraft lands back on Earth Artist Alison Lapper on the grief of losing her only child Second body found after British hikers went missing in Majorca France sees thousands protest over new centre right PM Barnier Californias Rancho Palos Verdes thrown into chaos by landslides Heads of CIA and MI6 say world order under threat not seen since Cold War Venezuela Forces surround embassy sheltering opposition figures Jenny Hastings Body found in search for wife of rugby star Miss Fiji 2024 The alleged plot to steal a queens crown at tumultuous beauty pageant

Isabella Morano knew she wanted to make wine as a child on a family trip to Italy, identifying with how folks in her ancestral homeland connected over food and wine. However back home in Wisconsin, the only thing keeping teenage Isabella's wine dreams alive was Anthony Bourdain TV shows. As soon as she was able she moved to California and started working her way up the wine ladder. Now she has several vintages of Isa Wines under her belt, specializing in vibrant Sauvignon Blancs, and a new vineyard planted in Majorca, Spain. Check out drinkisawines and @isa.wines on Instagram. [Ep333]

Colm Meaney makes a vivid impression whenever he appears on stage, screen, or television. (His latest, Duchess, debuts on digital today, August 9.) More people probably know him from the two Star Trek series in which he appeared—The Next Generation and Deep Space Nine—but we remember him best as the father in The Commitments and its follow-ups The Van and The Snapper. Leonard and Jessie were pleased to find that he shares our fondness for that trilogy from Irish writer Roddy Doyle as well. But there's little he hasn't done, from John Huston's final film The Dead to Con Air  and an episode of The Simpsons where he played (what else?) a quintessential Irish bartender. He spoke to us from his getaway home in Majorca, Spain!

Kate Adie presents stories from Lebanon, Ukraine, Democratic Republic of Congo, Bali and SpainIn Lebanon, the risk of a wider war between Israel and the armed group Hezbollah remains an ever-present danger. Hezbollah has been trading fire with Israel since the Hamas attacks last October, devastating communities on both sides of the Israel-Lebanon border. Orla Guerin reports from southern Lebanon.Drone warfare has transformed the frontline in Ukraine's east, making it more dangerous for those fighting. Russians have also used these to target civilians in the city of Kharkiv. Yana Lyushnevskaya fled Ukraine early in the war. She recounts the experience of returning to her life in Ukraine.In Democratic Republic of Congo, hundreds of thousands of people are staying in overcrowded camps around the city of Goma that has been under siege by the rebel group known as the M23. The Congolese army has struggled to push back the militia's advance. Hugh Kinsella Cunningham spoke to some of the people trying to flee to safety.The Indonesian Island of Bali is a rich cultural heritage with its spectacular religious festivals and traditional craftsmanship. But there are concerns that such traditions such as mask-making are being lost with international visitors spending their money elsewhere. Michelle Jana Chan discovers one artisan persisting with his craft.And finally, back in Europe, thousands of people have been protesting in Spain against a surge in tourism that's being blamed for plummeting living standards among locals. Majorca has been at the centre of the protests. Nick Beake spoke to islanders who feel their way of life is being threatened.Series Producer: Serena Tarling Editor: Tom Bigwood Production Coordinators: Sophie Hill & Katie Morrison

Billy Porter, Chairman of Parnell Athletics Club in Rathdrum, Co Wicklow, discusses the tragic death of 11-year-old Clodagh Phelan in Spain.

Simon Hunter Journalist with the Times in Spain reports.

Can you believe we're already halfway through 2024? Are you on track to crush your goals this year? In this episode, I walk you through my own 2024 midyear review process, sharing tips to help you do your own. By the end, you'll have a clear roadmap to supercharge your business for the rest of the year.I share my personal experiences from 2024 so far, including the joys of island life in Majorca, launching my new program FLOW, and some challenges I faced. You'll learn how to celebrate your wins (big and small!), analyze your numbers, identify setbacks, and extract valuable lessons from your experiences.Remember, this process isn't about judgment - it's about growth. It's about taking control of your business and steering it in the direction you want it to go. This episode will help you embrace the journey, learn from your experiences, and keep moving forward with confidence!Ready to unlock your potential?Package your expertise into a transformational online program, build a soul-filled online business following my proven 6-figure framework, and expand beyond what you think is possible – no matter your age.>>> Apply for the Mentorship

Reino Gevers is a seasoned pilgrim who has walked twelve different Camino pilgrimage routes in northwestern Spain. His journey began after hitting a wall in his over 20-year journalism career, prompting a complete reinvention of himself. His first book, "Walking on Edge," is a fictional narrative drawn from his personal experiences on the Camino. His latest non-fiction work, "Deep Walking – for Body, Mind, and Soul," captures crucial lessons from the Camino, distilled from interviews and conversations with hundreds of fellow pilgrims and he now reveals his new book The Turning of the Circle.  Reino now dedicates much of his time to workshops, speaking tours, corporate health counseling, and mentoring leaders and achievers. Residing on the island of Majorca, he enjoys hiking, practicing martial arts, writing, and blogging in his free time. Reino believes it is our destiny as human beings to grow and become who we are truly meant to be. Life is not meant to be an easy ride. Trigger points such as divorce, the loss of a loved one, or financial ruin can elevate you to higher consciousness or leave you stagnating in melancholy. Our true calling often lies in the wounds of the past, sculpting us into the human beings we are destined to become. Reflecting on the past, it's clear how overcoming pain and obstacles equips us to fulfill our divine purpose. As an author and mentor, Reino aims to provide the tools that have helped him navigate life's challenges. Many of his insights came from long, solitary walks on the Camino de Santiago. In retrospect, those moments were among the most precious. The role of a mentor, he believes, is to guide, hold to account, and listen. If you feel a deep desire to grow, learn, and achieve financial independence, health, and strength, Reino may be able to assist you. His mentoring program focuses on finding soul purpose, building resilience, and mind-setting. Reino holds a Bachelor of Arts (B.A.) from the University of South Africa and has been a trainer for leaders and achievers for the past ten years. He is the author of several books, including "Deep Walking for Body, Mind, and Soul," "Walking on Edge: A Pilgrimage to Santiago," and "Yield and Overcome: How Change Can Positively Impact Our Lives." Having experienced hitting the wall and finding the reset button to change his life's trajectory, Reino left South Africa at 23 to start a new life in Europe. He did it again ten years ago, leaving a well-paid job to start his own business from scratch. The brink of job burnout led him to his first Camino de Santiago pilgrimage, which changed his life. He has since walked the Camino twelve times and incorporates an annual pilgrimage into his life.

It's the first “threesome” of the podcast as Tanya Rose is joined by Masterchef's John Torode and actress turned cook Lisa Faulkner. With double the amount of travel secrets, John and Lisa share the story of their proposal in Goa, the popular destinations they deem overrated and the unforgettable experience of eating fish in Majorca. Plus, Lisa reveals why she's nicknamed John ‘Ken' with their insider travel secret…Don't forget to follow @travelsecretsthepodcast and remember, you can watch all of our episodes on YouTube.PLACES MENTIONEDThe Refinery, New YorkBirdland, New YorkGoa, IndiaTorchello, VeniceLocanda Cipriani, Venice The Cipriani Hotel, Venice Zighy Bay, Oman The Chedi Muscat, OmanMajorcaGigis, MykonosGigi's Bar at Quinta do Lago Resort, AlgarveThe Four Seasons, Egypt7Pines Resort, SardiniaFlic En Flac, MauritiusMaradiva Villas Resort & Spa, MauritiusMinorca Hosted on Acast. See acast.com/privacy for more information.

Aer Lingus passengers stranded in Majorca, Josie who had to have both legs amputated due to an insect bite, and Kate Gaffney of Múin on the demand for childcare. Cork, it's time to talk, weekdays from 9am. The Neil Prendeville Show on RedFM.

With Matt in Majorca, Rory has drafted in Stephen “our podcast dad” Goldsmith to review England's victory over Serbia. The lads also give their take on Euro 2024 so far, as it gets off to a flying start. --- Send in a voice message: https://podcasters.spotify.com/pod/show/the-view-from-the-harbour/message

Join our hosts for a look at the aviation news and a good dose of conversation on this week's show. In this week's show we've got a big bang in Toronto, a new water feature in Majorca, a near miss in Mumbai, and a beaten-up Airbus! In our military segment we look at some goings-on at the recent D-Day commemorations in France, and some amazing photos from the recent Cosford Air Show.  We have our very last snippet from the Drone Summit this week, plus another retro airline ad, and we'll be drawing our big competition for the fantastic Røde camera mic. Shape the conversation of the show by joining the LIVE chatroom. Thanks to everyone in the community who comes out and participates. We wouldn't be able to do it without you!  You can get in touch with us all at : WhatsApp +44 757 22 491 66 Email podcast@planetalkinguk.com or comment in our chatroom on YouTube.

Rachel visits the Scottish Wildlife Trust's Montrose Basin reserve in Angus where a group of nursery children were out exploring the mudflats to see what beasties they could find. She speaks to nursery and reserve staff about the importance of getting young kids involved in nature.Isle Martin is a small island just three miles off the coast of Ullapool. It's had many uses over the years including a herring station, a flour mill and a bird reserve. It's now in community ownership and recently Mark went for a visit for the Scotland Outdoors podcast. One of the community trust directors Lesley Strachan took him for a tour and told him about their plans.It started as a lockdown project and has since become a big hit on social media. Aberdeenshire walks is a site promoting good routes and attractions for those eager to explore the area. Rachel went out for a walk with one half of the couple behind it, Anna Gill, to hear about how it all started and about their recent singles walks!The Fairy Pools on Skye have become a bucket list destination for tourists from right across the globe. However, that popularity had begun to cause issues with overcrowding. Recently as part of the Skye Iconic Sites Project, work was carried out to create car parking and toilet facilities at the fairy pools. Mark went to see the changes and hear from those involved in the project about the difference it has made, as well as chatting to some of the visitors from places as far away as Dubai and India.And sticking with tourist hotspots, we're joined live by Dr Guillem Colom-Montero from Glasgow University who has carried out research into the parallels between Skye and the Scottish Highlands, and the Spanish island of Majorca. We chat to him about how tourism can be managed to benefit both visitors and those who live and work in popular destinations.The Rahoy reserve in the Morvern Peninsula is run by the Scottish Wildlife Trust and as well as being one of their largest reserves, it's also one of the most biodiverse in the country. Rachel headed out for a walk with ranger Steve Hardy to see what they could spot.Why are the Fairy Pools on Skye so popular? Where does the legend of fairies come from and are they really a magical place? Catherine MacPhee is an archivist at the Skye and Lochalsh Archive Centre, and she busts some myths on the history of the picturesque location.18-year-old Ethan Walker from Auchnagatt is about to embark on an incredible bike trip from Hampden Park to Munich for the Euros. It's over 1,000 kilometres in total which is a big achievement for anyone, but even more so for Ethan who was run over in an horrific accident in New York State whilst over there on a football scholarship. Earlier this week Mark caught up with him and his mum, Jaclyn ahead of his trip and heard all about his incredible recovery journey

Morse code transcription: vvv vvv Elon Musk says he opposes US tariffs on Chinese electric vehicles Heat in India North India boils as temperatures near 50C Papua New Guinea Many feared dead in massive landslide Kabosu dies Shiba inu dog was meme and face of Dogecoin Gaza war Three more Israeli hostages bodies found Majorca building collapse Two dead and at least 12 injured, rescuers say USS Harder WW2 submarine wreck found off Philippines Daniel Duggan can be extradited to US, Australian judge says Pope clears way for Gods influencer to become a saint Sean Kingston Police raid home of singer accused of not paying for huge TV

Morse code transcription: vvv vvv Pope clears way for Gods influencer to become a saint Sean Kingston Police raid home of singer accused of not paying for huge TV Biden is excluded from Ohios presidential ballot Hurricane season in Atlantic to be extraordinary Cassie posts first statement since Diddy footage emerged Whats next for Torontos new WNBA team How Rishi Sunak sprung general election surprise on Tories Hollywoods next big star has whiskers and four paws Rosenberg Russian President Putins military purge echoes Prigozhins call to act Majorca building collapse Two dead and at least 12 injured, rescuers say

Im Ö1 Mittagsjournal gesendet am 24.05.24

On Friday's Rugby Daily, Richie McCormack brings you the team news ahead of Saturday's Investec Champions Cup semi-final clash of Leinster and Northampton at Croke Park. Connacht have conducted a third raid on a UK club. And Billy Vunipola addresses his arrest in Majorca.

On Monday's Rugby Daily, Richie McCormack has news of a timely fitness boost for Leinster ahead of their Investec Champions Cup semi-final with Northampton. A new centre is heading Connacht's way this summer. And Billy Vunipola to escape serious punishment having been tasered by police in Majorca.

—  “There is an inner voice of wisdom in each one of us that is waiting to give expression to soul-purpose. It is a voice that speaks to us in dreams, visions, signs and unexpected synchronicities. The lives we live are so disconnected from our natural surroundings that it is becoming increasingly difficult to break through a barrier of false reference points. The separation of humanity from its own deeper core is a question of our time. The loss of the spiritual is having a devastating effect on the mental health of our societies as the search for satisfaction in the immediate gratification of the senses becomes increasingly hollow.” Valeria interviews Reino Gevers — He is the author of  “Deep Walking: For Body, Mind and Soul” and several other titles. Reino Gevers is a seasoned writer, consultant, and inspirational speaker who has led a life shaped by diverse experiences across continents. Born and raised in the vibrant landscapes of South Africa's Kwa-Zulu-Natal province, he developed a deep appreciation for cultural diversity and the human spirit. In 1981, Reino left his home country for Germany, where he embarked on a successful career as a journalist for an international news agency. Throughout his tenure, he covered major global events, including the historic fall of the Iron Curtain and South Africa's remarkable transition to democracy from 1990 to 1994. His in-depth reporting captured the essence of these pivotal moments in history, offering a unique perspective on the world's transformation. After three decades in the media industry, Gevers decided to channel his expertise and passion into a new endeavor. In 2010, he established PowerBodyMind, a consultancy business based on health and wellness based in Germany and the captivating island of Majorca, Spain. Through his consultancy, Gevers empowers individuals and organizations to unlock their full potential, guiding them towards a harmonious integration of body, mind, and spirit. Gevers's personal journey on the ancient Camino de Santiago pilgrimage route has left an indelible mark on his life and work. Having walked the path more than a dozen times, he draws inspiration from this transformative experience. This deep connection led him to pen the thought-provoking novel, "Walking on Edge: A pilgrimage to Santiago," and the enlightening non-fiction book, "Deep Walking for Body Mind and Soul." These works encapsulate the profound lessons and spiritual insights garnered from his pilgrimages, resonating with readers seeking personal growth and self-discovery. In addition to his literary pursuits, Gevers shares his wisdom and inspiration through his regular weekly Podcast and Blog, "Living to Be." Dedicated to empowering individuals to embrace their true purpose and live authentically, his engaging content offers practical guidance, mindful practices, and uplifting insights. To learn more about Reino Gevers and his work, please visit: https://reinogevers.com/             — This podcast is a quest for well-being, a quest for a meaningful life through the exploration of fundamental truths, enlightening ideas, insights on physical, mental, and spiritual health. The inspiration is Love. The aspiration is to awaken new ways of thinking that can lead us to a new way of being, being well. 

Ivanti products are under active zero-day exploitation. Phemedrone is a new open-source info-stealer. Bishop Fox finds exposed SonicWall firewalls. GitLab and VMware patch critical vulnerabilities. The Secret Service foils a phishing scam. Europol shuts down a cryptojacking campaign. Ransomware hits a Majorca municipality. RUSI looks at ransomware. Ben Yelin explains the New York Times going after OpenAI over the data scraping. And the sad case of an Ohio lottery winner.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest Guest and partner Ben Yelin joins us today to discuss “The Most Critical Elements of the FTC's Health Breach Rulemaking.” Ben is the Program Director for Public Policy & External Affairs at the University of Maryland Center for Health and Homeland Security and Co-Host of N2K's Caveat Podcast. Selected Reading Ivanti Connect Secure zero-days now under mass exploitation (Bleeping Computer) Windows SmartScreen flaw exploited to drop Phemedrone malware (Bleeping Computer) Over 178,000 SonicWall next-generation firewalls (NGFW) online exposed to hack (Security Affairs) GitLab Fixes Password Reset Bug That Allows Account Takeover (Security Boulevard) Patches Available for a Critical Vulnerability in VMware Aria Automation: CVE-2023-34063 (Malware News) US court docs expose fake antivirus renewal phishing tactics (Bleeping Computer) Hacker spins up 1 million virtual servers to illegally mine crypto (Bleeping Computer) Ransomware gang demands €10 million after attacking Spanish council (The Record) Ransomware: Victim Insights on Harms to Individuals, Organisations and Society (Royal United Services Institute) Cybersecurity incident delays payouts for big Ohio Lottery winners (Beacon Journal) Share your feedback. We want to ensure that you are getting the most out of the podcast. Please take a few minutes to share your thoughts with us by completing our brief listener survey as we continually work to improve the show.  Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © 2023 N2K Networks, Inc.

Andreas Klier was a proven classics maven as a pro, one of the sharpest minds in the peloton, his switch to the directors car was logical and natural. More surprising however is Andreas' proficiency in art. A talent discovered later in life, his work is now featured in a top gallery on his new home of Majorca. In this conversation Andreas shares his thoughts on his role in the technological battle in the peloton and what 2024 holds for his team.   Bobby and Jens is a Shocked Giraffe production for Velo. This episode was produced and edited by Mark Payne . Remember to follow Bobby and Jens on social media Facebook https://www.facebook.com/people/Bobby-and-Jens/100093419004559/ Threads: https://threads.net/@bobbyandjens YouTube: https://www.youtube.com/playlist?list=PLdm7tkA_shHCsL0o1sV8biElMZd8-2y-g Twitter: https://twitter.com/bobbyandjens Get the Outside Watch app to stream films and series wherever you go: https://outside.watch/ios https://outside.watch/android Follow Outside Watch for the latest and greatest: Facebook: https://www.facebook.com/outsidewatch/ Instagram: https://www.instagram.com/outsidewatch/ Get unlimited access to articles, courses, premium films, series & more with Outside+ The one subscription to fuel all your adventures: https://outside.watch/Plus