Podcasts about mum dad

In this episode I talk to my parents about the topic of William Shakespeare. We discuss the enduring appeal and significance of William Shakespeare's work, biographical details of his life, the key themes in Shakespeare's plays, and the impact of his language on modern English. We try to explain the qualities that make Shakespeare great, using examples from plays like Hamlet, Twelfth Night, and Macbeth. We also consider the challenges of understanding Shakespeare and suggest ways for newcomers to engage with his plays, such as watching film adaptations.Enjoy a conversation about this important figure in English language and culture, with two other important figures - my mum and dad!PDF available with transcript, vocabulary list and vocabulary quiz. Premium listeners - watch out for a language review of this episode coming soon, in P68 "Learn English with Shakespeare" parts 1 & 2.

Jon and Barbara Tucker raised their five sons on the yacht they built themselves, and sailed around the Pacific.

Is sharing your music with younger people cultural enrichment or Boomer Bore? Mia tells PJ sharing music is a good thing. Mia hosts 96FM's Out In Cork every Sunday at 9pm Hosted on Acast. See acast.com/privacy for more information.

In 2023, Geraldine at the age of 54, embarked on an awe-inspiring journey of a lifetime: a 2,000-mile solo walk from her home in Glasgow to the historic city of Rome! Raising funds for Dementia UK and Mary's Meals in memory of her Mum & Dad. This remarkable adventure wasn't just about covering the distance; it was a test of resilience, determination, and the kindness of strangers. Along the way, Geraldine pulled a trailer, camped under the stars, and experienced countless acts of kindness from the people she met, affectionately referring to it as being 'kindnapped' – kidnapped with kindness. One of her biggest challenges was the daunting prospect of crossing the formidable Alps. Despite her initial trepidation, Geraldine pushed forward, only to realise that the alternative route offered even more daunting mountainous terrain. Undeterred, she pressed on, conquering each obstacle with unwavering determination and a steadfast spirit. As her incredible journey drew to a close in the historic streets of Rome, Geraldine experienced a truly unforgettable moment – a surprise meeting that added an extra layer of magic to her already extraordinary adventure. Now, Geraldine joins us to recount the highs, the lows, and the life-changing moments of her epic pilgrimage.  Listen to Geraldine as she shares her inspiring story of courage, resilience, and the transformative power of human connection. *** Don't miss out on the latest episodes of the Tough Girl Podcast, released every Tuesday at 7am UK time! Be sure to hit the subscribe button to stay updated on the incredible journeys and stories of strong women.  By supporting the Tough Girl Podcast on Patreon, you can make a difference in increasing the representation of female role models in the media, particularly in the world of adventure and physical challenges. Your contribution helps empower and inspire others. Visit www.patreon.com/toughgirlpodcast to be a part of this important movement.  Thank you for your invaluable support! *** Show notes Who is Geraldine  Working as a freelance risk consultant  Her early years and growing up Doing a few walks unto 300 miles, walking from Cardiff to London, walking between the 7 cities of Scotland.  Not being a super fit person and why walking works for her Going at slow pace and getting out and about Deciding to walk from Glasgow (home) to Rome in 2016 Why Rome Taking 2 years to tell people  Being encouraged by friends  2016 - her mum being diagnosed with Vascular Dementia  Losing her mum in April 2022 Making a commitment to herself The planning and preparation and why it wasn't a big factor Deciding on a start day in May Having 2 rules for the walk, not carrying a rucksack and not walking over the alps Deciding to get a buggy and getting a Black Friday deal  Doing what is right for her body  The gear Not letting herself think long enough to have any concerns or fears  Joining a few walking groups The issue with wild dogs  Buying a GPS tracker  The practicalities of the trip in terms of taking time off work and paying for the trip The start - May 6th 2023  What was running through her head at the start Walking past the cemetery to visit her parents before starting Having company at the start Getting into a daily routing over the first 500 miles The uncertainty while walking daily Kidnapped with kindness ‘Kindnapping' Magical moments while walking The plan for getting over the Alps….. The mental side of the challenge  Picking up a camino from Canterbury to Rome the Via Francigena. The practical aspects of getting herself and her trailer over the alps The pressure of walking with other people and choosing to walk at her own pace  Getting to Rome and feeling excited about arrived Being met by her friends at the finish Remembering the moment when she completed the walk and how all emotions overwhelmed her Have an incredible Italian tour guide and getting to see all the sites The final surprise  Being presented to Pope Francis  The adjustment of going back to work after the end of the adventure Missing the daily routine while walking Raising money for charities  Mary's Meals Dementia UK How to connect on social media Final words of advice - “do it at your pace - your pace is the right pace for you” Why you are much more capable than we think we are.    Social Media Instagram: @ged_home2rome  Facebook: @HometoRome  Just Giving Fundraising Pages: Mary's Meals: www.justgiving.com/fundraising/geraldine-mcfaul1 Dementia UK: www.justgiving.com/fundraising/geraldine-mcfaul   

Margaret Barrett of Mortgage Navigators chats to PJ about adults moving home to save for a mortgage some feel they feel they're going backwards by moving home Hosted on Acast. See acast.com/privacy for more information.

In this episode we are joined by actress, voice artist and casting director Charlie Hayes. Charlie has appeared in several Big Finish releases, including the 7th Doctor classic, "Master", and "Seven Keys to Doomsday", in which she takes on the role for audio that her mother Wendy Padbury originally performed on stage. Charlie talks about life, love, and remembers her recent trip to Australia for our live Sirens of Audio events in Sydney and Melbourne. Theme music by Joe Kraemer. https://sirensofaudio.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/sirensofaudio/message

Why does nothing good happen after 10pm? Is being a firefighter as sexy as it seems on TV? And where is Kate Middleton? Our incredible guest, sports presenter, bodybuilder and former firefighter Mac Griffiths reveals all on this week's episode of The Secret To! Mac shares the highs and lows of his firefighting days, reveals why he's leaving bodybuilding behind, and talks about his journey to sobriety. Plus, we chat about his friendship with Love Island buddies Chris and Jordan and how did they end up partying with THE Margot Robbie?!Thanks Mac for such an amazing episode. Follow Mac on Instagram here for more. Want more of The Secret To? Follow us on Socials:

Why does nothing good happen after 10pm? Is being a firefighter as sexy as it seems on TV? And where is Kate Middleton? Our incredible guest, sports presenter, bodybuilder and former firefighter Mac Griffiths reveals all on this week's episode of The Secret To! Mac shares the highs and lows of his firefighting days, reveals why he's leaving bodybuilding behind, and talks about his journey to sobriety. Plus, we chat about his friendship with Love Island buddies Chris and Jordan and how did they end up partying with THE Margot Robbie?!Thanks Mac for such an amazing episode. Follow Mac on Instagram here for more. Want more of The Secret To? Follow us on Socials:

Written and narrated by me, Luke KondorWith music by myself as Duke Rondo, Chris Zabriskie, Ben Duncan, and ENDARCHRIVAL.Sound effects provided by Freesound.org and Zapsplat.comFor more of my work head over to LukeKondor.com, that's Kondor with a K. Be sure to leave a review, tell your friends, and look after your mind, and your pets. Cheers. Hosted on Acast. See acast.com/privacy for more information.

In this latest episode of the Geared for Growth podcast, Mike is joined by renowned Property Investment Advisor, Bryce Holdaway, to dig into the status of the investor amidst the current political landscape, where housing affordability and the rental crisis is front page news. In this conversation, Mike and Bryce discuss the role that private landlords play in the rental affordability space and consider why they get such a bad rap when the majority are Mum & Dad investors just trying to get ahead.

Tactics to deal with swooping magpies Say My Pay Zach's suffered an old man injury Dom might have embarrassed himself in front of Ross Noble We've tracked down a mystery box vending machine The internet hated our KFC scoop  Dom's going to a late night skill tester live on air See omnystudio.com/listener for privacy information.

In the quiet neighborhood of Westbourne Road, Chester, the walls of Lucy Letby's semi-detached home bore witness to a chilling secret. It wasn't hidden in plain sight, but on crammed Post-it notes filled with her minuscule, frantic scrawls. These scribblings have become crucial evidence, offering a stark window into Letby's deeply troubled psyche.   While detectives have posited that these notes were a cryptic way for Letby to end her sinister spree, a deeper analysis reveals more. These Post-its are not a confession, nor are they simple scribbles. They provide a raw, unfiltered look into the recesses of a disturbed mind.   As a forensic psychiatrist, delving into the minds of individuals who have committed grievous crimes is not new to me. In secure prisons, tightly locked hospital wards, and courtrooms, I've encountered many who tread the dark path. But Lucy Letby is distinct.   The notes are filled with expressions that exemplify 'negative cognitions'. Phrases such as "I don't deserve Mum + Dad", "Hate myself", and "The world is better off without me" resonate with overwhelming guilt, shame, and self-hatred. The inherent contradictions in her notes, with statements like "I haven't done anything wrong" juxtaposed against confessions of her evil nature, signify a tormented soul battling her own conscience. And although these notes give us a glimpse of this internal strife, her guilt, shame, and self-awareness were evidently not potent enough to halt her murderous actions or elicit a confession during the trial.   Interspersed in these scribbles, Letby frequently mentions her cats, Tigger and Smudge. Perhaps they were her solace, beings she could control and exhibit genuine affection towards, in stark contrast to the heinous crimes she committed.   Despite these profound revelations, classifying Letby under standard psychiatric conditions remains challenging. There's little evidence in these notes that hint towards her suffering from a severe mental illness. However, signs of anxiety and depression permeate her writings. The scribbled "HELP" and "HATE", coupled with the overwhelming intensity of her notes, all point towards a deeply troubled mind.   Yet, these symptoms did not impair her daily functions. Colleagues never reported any peculiar stress or abnormal behavior in her role at the hospital. This duality in her nature, of committing unimaginable crimes while outwardly maintaining a composed façade, is haunting.   The motivations behind Letby's actions are intricate. While one might be tempted to accept her statement, "I killed them on purpose because I'm not good enough to care for them", as a genuine reflection of her motives, it might just be an expression of self-pity. The actual driving forces, it appears, were the desire for control, power, and a perverse thrill in being around the grieving process. Letby's morbid need to be present during moments of overwhelming parental grief, even when the babies were not her patients, underscores a deeper, more sinister craving.   Moreover, despite her crimes, Letby doesn't align neatly with the classical traits of psychopathy. She might have lied to shield her deeds, but she didn't fabricate an alternate reality. The key differentiator here is her emotional perception. While she might cognitively understand the repercussions of her actions, emotionally, she remains detached. The suffering of others doesn't cause her pain; instead, she draws a perverse pleasure from it.   Lucy Letby is an enigma. Her behavior before her heinous acts didn't raise alarms. She was perceived as amiable, diligent, and competent. Trying to reconcile this image with the one painted by her Post-it notes is unsettling. With Letby unlikely to ever leave prison, the chances of her receiving intensive psychiatric support, leading to a potential remorse or epiphany, are slim.   In conclusion, Lucy Letby remains one of the most perplexing clinical cases ever encountered. While we might never fully grasp the intricacies of her mind, these Post-it notes serve as a chilling testament, providing the only tangible insight into her twisted psyche. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on Catching the Long Island Serial Killer, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Justice for Harmony Montgomery, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, and much more! Listen at https://www.truecrimetodaypod.com

In the quiet neighborhood of Westbourne Road, Chester, the walls of Lucy Letby's semi-detached home bore witness to a chilling secret. It wasn't hidden in plain sight, but on crammed Post-it notes filled with her minuscule, frantic scrawls. These scribblings have become crucial evidence, offering a stark window into Letby's deeply troubled psyche.   While detectives have posited that these notes were a cryptic way for Letby to end her sinister spree, a deeper analysis reveals more. These Post-its are not a confession, nor are they simple scribbles. They provide a raw, unfiltered look into the recesses of a disturbed mind.   As a forensic psychiatrist, delving into the minds of individuals who have committed grievous crimes is not new to me. In secure prisons, tightly locked hospital wards, and courtrooms, I've encountered many who tread the dark path. But Lucy Letby is distinct.   The notes are filled with expressions that exemplify 'negative cognitions'. Phrases such as "I don't deserve Mum + Dad", "Hate myself", and "The world is better off without me" resonate with overwhelming guilt, shame, and self-hatred. The inherent contradictions in her notes, with statements like "I haven't done anything wrong" juxtaposed against confessions of her evil nature, signify a tormented soul battling her own conscience. And although these notes give us a glimpse of this internal strife, her guilt, shame, and self-awareness were evidently not potent enough to halt her murderous actions or elicit a confession during the trial.   Interspersed in these scribbles, Letby frequently mentions her cats, Tigger and Smudge. Perhaps they were her solace, beings she could control and exhibit genuine affection towards, in stark contrast to the heinous crimes she committed.   Despite these profound revelations, classifying Letby under standard psychiatric conditions remains challenging. There's little evidence in these notes that hint towards her suffering from a severe mental illness. However, signs of anxiety and depression permeate her writings. The scribbled "HELP" and "HATE", coupled with the overwhelming intensity of her notes, all point towards a deeply troubled mind.   Yet, these symptoms did not impair her daily functions. Colleagues never reported any peculiar stress or abnormal behavior in her role at the hospital. This duality in her nature, of committing unimaginable crimes while outwardly maintaining a composed façade, is haunting.   The motivations behind Letby's actions are intricate. While one might be tempted to accept her statement, "I killed them on purpose because I'm not good enough to care for them", as a genuine reflection of her motives, it might just be an expression of self-pity. The actual driving forces, it appears, were the desire for control, power, and a perverse thrill in being around the grieving process. Letby's morbid need to be present during moments of overwhelming parental grief, even when the babies were not her patients, underscores a deeper, more sinister craving.   Moreover, despite her crimes, Letby doesn't align neatly with the classical traits of psychopathy. She might have lied to shield her deeds, but she didn't fabricate an alternate reality. The key differentiator here is her emotional perception. While she might cognitively understand the repercussions of her actions, emotionally, she remains detached. The suffering of others doesn't cause her pain; instead, she draws a perverse pleasure from it.   Lucy Letby is an enigma. Her behavior before her heinous acts didn't raise alarms. She was perceived as amiable, diligent, and competent. Trying to reconcile this image with the one painted by her Post-it notes is unsettling. With Letby unlikely to ever leave prison, the chances of her receiving intensive psychiatric support, leading to a potential remorse or epiphany, are slim.   In conclusion, Lucy Letby remains one of the most perplexing clinical cases ever encountered. While we might never fully grasp the intricacies of her mind, these Post-it notes serve as a chilling testament, providing the only tangible insight into her twisted psyche. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on Catching the Long Island Serial Killer, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Justice for Harmony Montgomery, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, and much more! Listen at https://www.truecrimetodaypod.com

In the quiet neighborhood of Westbourne Road, Chester, the walls of Lucy Letby's semi-detached home bore witness to a chilling secret. It wasn't hidden in plain sight, but on crammed Post-it notes filled with her minuscule, frantic scrawls. These scribblings have become crucial evidence, offering a stark window into Letby's deeply troubled psyche.   While detectives have posited that these notes were a cryptic way for Letby to end her sinister spree, a deeper analysis reveals more. These Post-its are not a confession, nor are they simple scribbles. They provide a raw, unfiltered look into the recesses of a disturbed mind.   As a forensic psychiatrist, delving into the minds of individuals who have committed grievous crimes is not new to me. In secure prisons, tightly locked hospital wards, and courtrooms, I've encountered many who tread the dark path. But Lucy Letby is distinct.   The notes are filled with expressions that exemplify 'negative cognitions'. Phrases such as "I don't deserve Mum + Dad", "Hate myself", and "The world is better off without me" resonate with overwhelming guilt, shame, and self-hatred. The inherent contradictions in her notes, with statements like "I haven't done anything wrong" juxtaposed against confessions of her evil nature, signify a tormented soul battling her own conscience. And although these notes give us a glimpse of this internal strife, her guilt, shame, and self-awareness were evidently not potent enough to halt her murderous actions or elicit a confession during the trial.   Interspersed in these scribbles, Letby frequently mentions her cats, Tigger and Smudge. Perhaps they were her solace, beings she could control and exhibit genuine affection towards, in stark contrast to the heinous crimes she committed.   Despite these profound revelations, classifying Letby under standard psychiatric conditions remains challenging. There's little evidence in these notes that hint towards her suffering from a severe mental illness. However, signs of anxiety and depression permeate her writings. The scribbled "HELP" and "HATE", coupled with the overwhelming intensity of her notes, all point towards a deeply troubled mind.   Yet, these symptoms did not impair her daily functions. Colleagues never reported any peculiar stress or abnormal behavior in her role at the hospital. This duality in her nature, of committing unimaginable crimes while outwardly maintaining a composed façade, is haunting.   The motivations behind Letby's actions are intricate. While one might be tempted to accept her statement, "I killed them on purpose because I'm not good enough to care for them", as a genuine reflection of her motives, it might just be an expression of self-pity. The actual driving forces, it appears, were the desire for control, power, and a perverse thrill in being around the grieving process. Letby's morbid need to be present during moments of overwhelming parental grief, even when the babies were not her patients, underscores a deeper, more sinister craving.   Moreover, despite her crimes, Letby doesn't align neatly with the classical traits of psychopathy. She might have lied to shield her deeds, but she didn't fabricate an alternate reality. The key differentiator here is her emotional perception. While she might cognitively understand the repercussions of her actions, emotionally, she remains detached. The suffering of others doesn't cause her pain; instead, she draws a perverse pleasure from it.   Lucy Letby is an enigma. Her behavior before her heinous acts didn't raise alarms. She was perceived as amiable, diligent, and competent. Trying to reconcile this image with the one painted by her Post-it notes is unsettling. With Letby unlikely to ever leave prison, the chances of her receiving intensive psychiatric support, leading to a potential remorse or epiphany, are slim.   In conclusion, Lucy Letby remains one of the most perplexing clinical cases ever encountered. While we might never fully grasp the intricacies of her mind, these Post-it notes serve as a chilling testament, providing the only tangible insight into her twisted psyche. Want to listen to ALL of our podcasts AD-FREE? Subscribe through APPLE PODCASTS, and try it for three days free: https://tinyurl.com/ycw626tj Follow Our Other Cases: https://www.truecrimetodaypod.com The latest on Catching the Long Island Serial Killer, Chad & Lori Daybell, The Murder of Ana Walshe, Alex Murdaugh, Bryan Kohberger, Lucy Letby, Kouri Richins, Justice for Harmony Montgomery, The Murder of Stephen Smith, The Murder of Madeline Kingsbury, and much more! Listen at https://www.truecrimetodaypod.com

Raising a deposit for a house can be challenging at the best of times but what are the legal and moral implications if done through the 'Bank of Mum & Dad'? John Lowe 'The Money Doctor' & Stephanie Regan, Clinical Psychotherapist joins Sinead to discuss. Kicking off our summer series on great Irish houses, we visit Johnstown Castle in Wexford with the Irish Heritage Trust. It's Bastille Day next Friday but what are the connections between Ireland and our friends in France? Sinead is joined by the organiser of the ‘Limerick Bastille Day Wild Geese Festival' to find out. And HOTY winner Jennifer Sheahan joins us to talk TVs and streaming for viewing all of the summer's sporting action as well as top TV dramas.

In this Episode Matthew Chats about all the Latest News in the UK & beyond. Also he answers the listeners questions.

Don't Be A Victim Of Working Parent Guilt! Here's How To Avoid That. Is it possible to be both a great parent and successful employee? Many working parents struggle with guilt over not being able to always be there for their children, while also having to worry about income and career. So what do you do when both demands are high? Some might consider becoming a single income household, but is there another way?Discover more from the team at The Financial Coconut (including all our other shows) @ https://linktr.ee/thefinancialcoconutThe Financial Coconut Podcast is a personal finance platform based in Singapore. Our goal is to educate and provide easy-to-understand information about personal finance topics such as budgeting, investing, retirement planning etc. We believe that personal finance is different for every individual and we aim to provide different perspectives to trigger our audience into paving their own unique path towards their financial goal.Have you ever felt working parent guilt? How did it affect you? Tell us about your experience in the comments below! Hosted on Acast. See acast.com/privacy for more information.

What are the practicalities as parenting after separation? It might not be as simple as "I'm the Mum/Dad and i want the kids".In the latest episode of Split Happens, Alex and Liza tackle the tricky issue of Parenting after Separation and discuss some of the questions that you might ask during the process. You're adult relationship with your partner might be over but you will both be parents forever and settling on the best solution is for children's benefit.Some of the questions Alex and Liza will cover are:-1. What happens to the kids?2. Who do they live with?3. Equal Share Care - week about. The PracticalitiesAnd many more.If you want to reach out to Alex or Liza you can find them on the links belowAlex - https://arbonlegal.com.au/about/alex-wynn/Liza - https://arbonlegal.com.au/about/liza-friedwald/

We love the Big 4 family parks. Here we are on the way to the next one!

Ashamed. Angry. Helpless. These are just a few of the emotions someone whose parents are going through a divorce may feel. With so many changes to navigate and decisions to make, plus so many expectations and emotions flying around between Mum & Dad, it's easy to feel trapped between trying to please them both. That's why I brought on divorce and life coach, Melissa Kalil, onto the show to offer advice and support to any teen or young adult who has parents going through this difficult, and sometimes outright messy, process.  Given there's so many things out of your control during a divorce, you will learn from Melissa how to overcome that feeling of helplessness, how to deal with the guilt of feeling like you're letting down your parent, what's helpful to do on the days where you're changing homes, and how to respectfully advocate for yourself and your needs so they're not lost in the chaos of everything else.  Divorce may be a challenging and painful experience for everyone involved, but tune in to learn from Melissa, how you can still make it purposeful for your healing and your growth.

Hannah Mills + Nick Dempsey.Sailor + Coach.Mum + Dad.Hannah Mills is the most decorated female sailor in Olympic history, with two gold medals and a silver. A fierce campaigner on environmental issues in her role as IOC Sustainability Ambassador, she is also an advocate for women in sport and leads the female representation for INEOS Britannia in the Americas Cup and for the Emirates GB Sail GP team.Alongside Hannah is her husband, Nick Dempsey who, until recently was coaching Team GB's Olympic windsurfers. Nick has now taken a different path, looking after baby daughter, Sienna, while Hannah is back on the water.Together, they talk about Nick's decision to stop chasing his career and instead, travel the sailing circuit with Hannah and Sienna and why as a coach he can't resist the urge to analyse the performance of Hannah's racing team.This four way conversation was recorded on 3rd February 2023. Hosted on Acast. See acast.com/privacy for more information.

We continue our exploration of Ed Shaw's book, The Plausibility Problem by looking at what family really means for a Christian. We look at how Jesus defines family and why that's good news for single, celibate people.We also talk about practical steps we can take to live as family and share our lives with one another in a meaningful way.Resources mentioned and relatedThe Plausibility Problem Ed ShawThe Plausibility Problem: A Review Steve WardWhat Does Jesus Teach About Nuclear Family? Andrew BuntSingles Need Family Time Too Andrew BuntWhy I Need My Single Friends Alison BoltonOn Scandalous Housing Arrangements Gregory ColesSharing Life Together Anne WittonThe Dishwasher Test Andrew BuntThe Gospel Comes With a House Key Rosaria Butterfield7 Myths About Singleness Sam Allberry7 Myths About Singleness: A Review Andrew Bunt 

Hello! Thanks for listening to 'Husband & Wife Sentenced to Life. We hope you like, subscribe & leave a lovely review of the show! Grovel, grovel!We start today with Simon stressing about a hospital visit, then we get onto stats about driving the kids around. Who actually enjoys doing it? We discuss falling asleep at the wheel, motorway service stations, arguing in the car, Lorra's life admin lists, sweary music on the school run, a contraception idea & Mummy guilt!If you'd like to get in touch, email us here: husbandandwifepod@gmail.comOr get us on our socials here:SIMON INSTA https://www.instagram.com/catboy92/LORRA INSTA https://www.instagram.com/lorranotlaura SIMON TWITTER https://twitter.com/catboy92 LORRA TWITTER https://twitter.com/lorranotlaura See you next time! xSupport this show http://supporter.acast.com/husband-wife-sentenced-to-life. Hosted on Acast. See acast.com/privacy for more information.

This was a freestyle verbal fruit salad of a conversation with Tommy but as always, it was fun. Sometimes no plan is the best plan. Among other things, we spoke about how honest to be with your kids at Christmas time, what and who makes a good therapist, the idea of ‘the student being ready', lying to yourself, a book I hated that became a book I loved, what I'm watching on Netflix and lots more. Enjoy. vidpod.com.auSee omnystudio.com/listener for privacy information.

The bank of Mum and Dad has become the 5th largest home loan lender in New Zealand, with an estimated $22.6 billion being loaned out to family members to help them get into a home. But not everyone has this as an option to them.. Maybe, a sibling or friend can help instead. Either way, there are some benefits and negatives to using family or friends as a bank And there is a lot more information you should know before accepting a gift from someone.. Things like: - How does the bank view it? - Do I need a lawyer? - Do I need to pay it back? - My parents only have equity; can I use it? All the answers can be found in this week's podcast. If you need help please click here to book a call.

Nearly 50% of Irish Home Buyers need help from the Bank of Mum & Dad. Gifts from Family and Friends is sometimes the only way to afford a deposit for a home as prices become less affordable to the average household. For those fortunate few, it can be a lifeline... but there are risks and tax implications. So this week in Part 4 of our House Buying Guide, I talk to Alan Purcell from CloudAccounts.ie who talks us through how a parent or family member can 'loan' or 'gift' you money to help buying a house. Why you should consider your 'Lifetime Limit' of Inheritance and Gifts.How much your mother, brother, uncle and best mate can give you.A clever trick to get €48,000 from your parents over New Years... TAX FREE!I also go through our Mortgage Application Checklist in my Explainer section - and Alan goes into detail about self-employeed mortgage applications, plus other taxes involved in buying, selling or owning a home. Find Alan on Instagram too @CloudAccountsIrelandAt the end we have our fun features - In, Out and Away & New Home vs Old Home - plus a round up of this week's news you need to know.Find out more about the house buying process at www.IrishHome.ie and Follow us on Instagram @IrishHomeMagazineIf you are starting your Home Buying Journey, order the Irish Home Buyer's Journal here... Hosted on Acast. See acast.com/privacy for more information.

Some stages of life have steep-learning curves and parenting is the life equivalent of Everest. The process of becoming a mother or father takes time, help, mistakes, encouragement, and a whole lot of grace. Parenting isn't a set of simple formulas and principles, but rather a commitment to do our very best in raising our children. Today, we are joined by Phillip & Lisa Gageler (aka Ryan's Mum & Dad) as they share some of their parenting insights.

This episode we interviewed Lo's parents, Rod and Robin! We had such a fun time talking to them and we hope you enjoy listening to some fun stories of Lo growing up as well as some very sweet messages from both of them. Again, we only had two mics between the four of us, so please bear with us on our audio. We also share all the moving updates that happened last week and the rollercoaster of emotions we have had during all of this insanity! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Interest rates could take off after the Reserve Bank raised the Official Cash Rate up to a six-year high. It is promising to go higher still in a bid to reel in inflation, which is at a 30-year high. The benchmark rate has been raised by half a percentage point to 2.5 percent. First Home Buyers' Club director Lesley Harris says as the official cash rate rise hits home loans there's less income for people to spend on the essentials, and wages are not rising.   She told Checkpoint it's extra tough for first home buyers, as there are far fewer low-deposit mortgages approved now. In the past about 20 percent of a bank's book could include mortgages with a deposit of less than 20 percent. But that number of loans has been halved.  

Despina Mavridou is a mediator, lawyer and children's book author of "Mum, Dad, Can You Hear me?" Her children's book is set from the perspective of a ten year old girl who is experiencing her parents divorce and how she wants to speak up and be heard by her parents fights. If you are going through a divorce and want to understand a child's perspective during this period, this emotional story, will give you an insight into the minds of children, especially on how they feel, what they go through and what they need from their parents. This story also helps kids understand that they are not alone and that a new balance can be created following a divorce. We get into all things divorce, knowing first hand how hard it is on the children being both from parents of divorce and what you as a parent going through a divorce can do to better hear and understand what your child really needs and how to put your anger and ego aside to help them.Jackie has launched her new wellness website Love You Even More! Check out her new course on How To Build Better Self-Worth, read articles on loving yourself and others smarter and work with her on building better self-worth in love, life, career and even your dating life! Find Love You Even more and her new course at https://loveyouevenmore.com!That Girl A Novel is now a podcast! Listen to each chapter free and read by yours truly at That Girl A Novel. Find it everywhere you listen to your podcasts. Or read it on Amazon in paperback or Kindle. Get extra's from the podcast and help support it by joining our Patreon page at www.patreon.com/thatgirlthepodcastFor more about Jackie and her guests:Find "Mum, Dad, Can You Hear Me" at https://www.amazon.com/Mum-Dad-can-you-hear/dp/B08QDSNG6R/ref=sr_1_1?crid=264C0HZB0XOQ3&keywords=mum+dad+can+you+hear+me&qid=1648400455&sprefix=mum+dad+%2Caps%2C175&sr=8-1Instagram: https://www.instagram.com/author_despina_mavridou/Facebook: https://www.facebook.com/AuthorDespinaMavridouhttps://www.instagram.com/jackiebrubaker/https://www.instagram.com/thatgirlthepodcast/https://www.instagram.com/loveyouevenmoreinsta/www.loveyouevenmore.comwww.jackiebrubaker.comI'm excited to announce my new course How To Build Better Self-worth is now available at my wellness website loveyouevenmore.com.If you've found yourself stuck in a rut, making poor decisions in relationships, feel like you can never get what you really want or are just too afraid to take chances on yourself it's time to do some work on your self worth.I walk you through exercises in uncovering where your self-worth has been broken, how Support the show

There are those who say sport and politics don't mix. Those people might want to avoid this episode. Let's just say the boys took a few swings, and they didn't miss.

Preparing for postpartum to best support Mum, Dad and Baby. In today's episode I'm joined by my partner Tyson Venables. We are sharing out approach to preparing for the postpartum period (which is defined as the first 6 weeks post-birth). This is a really raw episode. We talk about the practical things we did to support ourselves and to aid in the birth recovery. As well as diving into the challenges that we faced with sleep deprivation and the grieving process of letting go of our old way of being. The Dad's perspective on postpartum is really missing and Tys shares honestly the struggles he faced and the things he did to support himself and both River and I. We dive into intimacy after birth. How we supported our nutritional needs. What I did to physically recover from birth. Why we asked for no visitors for at least 30 days. Lessons around setting boundaries.  Why we spent so much time naked and so much more!It's a juicy one. Share it with your partner! If you loved the episode please leave me a review and a 5 star rating to help me reach more ears.A HUGE thank you to this episodes sponsor, Minbie. You can check out their full range here or follow along in their instagram @minbieIf you want to dive into our birth story episode you'll find it here. Thanks for all of your support, Em xMinbie Award winning baby bottles, breast-pumps and more to support your breastfeeding journey. Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

'What Did You Eat This Week? with James Kavanagh' is a new podcast that explores his #1 obsession: food. In the weekly episodes, James chats with friends and people he loves about the spectrum of food and the stories that blossom from culinary experiences. No food or drink is too low or high-brow: from filthy-delicious takeaways to hangover food to triple Michelin-starred restaurants, James and his guests love & want it all. Travel is also a big part of the podcast, so get your pen out, because there are a million tasty tips on where to go & what to eat and a bounty of laughs along the way.Produced by James Kavanagh and Voco Studios Dublin

Screenwriter Stuart Wright talks with the hardest working family in genre cinema today - the Adams Family. They write, shoot, star and post-produce all their work. They are Toby Poser (mum), John Adams (dad), Lulu Adams (eldest) and Zelda Adams (youngest, but the expert drone pilot of the clan).HELLBENDER is their sixth film made together; their second genre film after the surprise (to the unsuspecting horror world) hit THE DEEPER YOU DIG (2019). HELLBENDER is available on SHUDDER from Thursday 24 February 2022. Click here to watch https://www.shudder.com/member/You can buy me a cup of coffee & support this independent podcast that I host and produce at https://app.redcircle.com/shows/ae030598-6b83-4001-8a29-5e5dd592ed26/sponsort Rate, review and subscribe wherever you listen to your podcastsCreditsIntro/Outro music is Rocking The Stew by Tokyo Dragons (www.instagram.com/slomaxster/)Podcast for www.britflicks.com. Written, produced and hosted by Stuart WrightSupport this podcast at — https://redcircle.com/britflicks-com-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Claire Brock is joined by Patrick O'Donovan, Siobhán Ryan, Eric Clarke, Paul Colgan, Senator Mary Fitzpatrick, Jean McCabe, Cian O'Callaghan TD, and Paul Merriman. See acast.com/privacy for privacy and opt-out information.

In the final installment of our Halloween Guest Makes Mike Watch series (we'll come up with a better name for it next year, we promise), Jonny Grant - co-screenwriter of THE DARE - returns to the podcast to dive deep into British horror! We discuss a relative obscurity - 2008's MUM & DAD - and jump around to a variety of topics like: what makes British horror films different from American ones? Was this movie an influence on his own work? Would Paddington save the day if he arrived on the scene? The answers to all these questions and more lie within!

This crazy old world can be very overwhelming sometimes - no matter what age you are; and I know from experience that we need to take care of our health (mentally and physically).   It's too easy to forget about ourselves - whilst we continue to spin plates and react to the chaos around us. However, when we do neglect our own needs - then the cracks start to show.   In this episode, I am chatting with Sam Bernice - who is founder of The Children's Yoga Foundation. I quickly learn that yoga is not just about sitting on a mat and testing your own flexibility. It is an entire wellbeing philosophy that will help parents and children alike, establish a better relationship with ourselves so that we can better cope with the challenges that we often face on a daily basis.   Want to know more? Then Grab a cuppa - and keep listening! ~~~ More about Samantha : Hi – I'm Sam, founder of Sam B Yoga and The Children's Yoga Foundation.   In my 20 years of teaching in schools and being a parent of three, I have noticed children developing more and more problems with their mental health. There is so much pressure put on teachers and parents to help with this, but many of us are struggling with our own mental health. How can the practice of yoga help you or your child? Yoga is not just about the postures and getting on the mat. Following this science and philosophy offers us as parents deep contentment and wisdom that can be shared with our children.   Modeling self-care and well-being techniques continually guide and support our children. The practice of yoga, especially off the mat, aids our children in recognising and managing their emotions, instilling healthy habits and mastering their minds in a journey of self-discovery. So as parents, it all starts with us. Ask yourself, are you ok? How can you optimise your well-being, to be a better Mum/Dad/person? A lovely place to start is trying out family yoga together. It will strengthen your connection and help you learn about it in a fun way. Try reading some books on yoga, try some postures and give some breathing techniques a go. If you need any help or guidance, I have many years of experience in making it exciting, appealing and accessible to our younger generation. Why not give it a go! ~~~
 How to Contact Samantha Bernice: https://sambyoga.com https://www.facebook.com/sambyoga https://www.youtube.com/c/SamanthaBerniceYoga ~~~~~ Books mentioned during this episode : Tiger-Tiger, Is It True?: Four Questions to Make You Smile Again : Byron Katie Breath: The New Science of a Lost Art : James Nester My Anxiety course provides you with support by :

✔️ Recognising the triggers Understanding Anxiety - and why we don't want to get rid of it all together Learning a couple of techniques to help you stop a panic attack in it's tracks How as a parent, you can support your anxious child

What was it like raising a daughter with a congenital heart defect in Australia in the 1980s? What challenges did parents of a daughter requiring open-heart surgery face? What does an adult Heart Warrior appreciate about her parents now that she's all grown up?Donna and Ian were born in Brisbane, Australia in the 1950s. They met in the early 1980s and married in 1982. Megan was born in February 1983. All was going well for the new family until Megan became unwell at 6 days old. Megan made her first ambulance trip to the pediatric cardiology unit at Prince Charles Hospital. With her parents by her side, Megan spent the first four months of her life in the hospital where she had a pulmonary banding operation and finally became strong enough to go home. Megan had two more surgeries as a child, at age 5 and 10, and one surgery at age 25. Today, Donna is very active in her local church and the sewing guild, and Ian plays drums in several local bands.  Megan's former "Heart to Heart with Anna" appearances:"Expressions from the Heart on HeartWire" https://www.buzzsprout.com/62761/398986"One Heart Warrior's Educational Experience Down Under" https://www.buzzsprout.com/62761/546571"Travels of a Heart Warrior" https://www.buzzsprout.com/62761/1512628"When You're Married to a Heart Warrior" https://www.buzzsprout.com/62761/1686034Links to 'Heart to Heart with Anna' Social Media and Podcast Pages:Apple Podcasts: https://itunes.apple.com/us/podcast/heart-to-heart-with-anna/id1132261435?mt=2Facebook: https://www.facebook.com/HearttoHeartwithAnna/Instagram: https://www.instagram.com/hearttoheartwithanna/MeWe: https://mewe.com/i/annajaworskiTwitter: https://twitter.com/AnnaJaworskiYouTube: https://www.youtube.com/channel/UCGPKwIU5M_YOxvtWepFR5ZwWebsite: https://www.hug-podcastnetwork.com/Support the show (https://www.patreon.com/HearttoHeart)

My mum passed August 5th 2021, Dad Passed away September 6th, 23 years ago! I'm broke but God has me...

Chatting to my family about some old anecdotes and stories from the past. Listen for some enjoyable chat, memories, descriptions and tales from days gone by. Episode page https://wp.me/p4IuUx-plu  LEP Premium https://www.teacherluke.co.uk/premiuminfo 

We kick off the show with ‘What did you have to do to fit the furniture?' which is always a great excuse to play the ‘PIVOT' scene from Friends. Shit statues… What have you seen? Then, what did Mum/Dad send you to school with? We discuss shows that were pulled off air in Worst. TV. Shows. Ever. Then, everyone is disgusted by what an echidna penis looks like. Google it yourself, you sickos. A contestant on Naked And Afraid suffers a serious injury to his undercarriage… Kate plays Costa Georgiadis in Quick Draw! Then we ask how young you were when you first received a bit of cosmetic assistance. We're taking a short break, returning Monday 12 July. See omnystudio.com/listener for privacy information.

Alex claps back! Daily Mail article fuels fire to investigate 'Bank of Mum & Dad' (BOMD) surprising statistics, $29M ticket to space for 10 minutes, Auctions still buzzing, flipping property is it all it's cooked up to be? JAMES BOOK - 'BULLETPROOF INVESTING'. Available at all great bookstores or buy online - https://www.amazon.com.au/dp/0730394557/ref=cm_sw_em_r_mt_dp_6WWHSREZX2EQPRYRKMQ6?_encoding=UTF8&psc=1 Get in touch alexf@jlf.com.au | jamesf@jlf.com.au All views and opinions discussed are that of the hosts. They do not endorse reliability or accuracy of their information. Not for commercial use.

In this episode Sarah Tucker, Managing Director of The Mortgage Mum, talks about the Bank of Mum & Dad and how they can help you buy property.... *** How to use the Bank of Mum & Dad to help you get on the property ladder What is the Bank of Mum and Dad? A recent report from Legal and General revealed that the ‘Bank of Mum and Dad' now contribute to 26% of funds to the UK housing market. And if Mum and Dad were an actual bank, they would be the 9th biggest lender in the market. 84% of parents are helping their children get on the property ladder, 57% are doing that with a gift, 18.3% are doing it with a no interest loan and 4.8% are doing it as a loan with interest. The Bank of Mum and Dad started as a phrase and has become a very real thing. Many parents are having to help their children get on the property ladder - saving for your first home is not easy. And sometimes the deposit is the main factor, but for other people, it's actually the affordability. There's lots of different help available for all of the different scenarios. And we're going to share how your Mum and Dad can help you get on the property ladder and all of the different ways they can do it. Gifting money towards a property - how does it work? So the first thing that your Mum and Dad can do is gift money. There's a big difference between being gifted money and being loaned money - lots of mortgage applications involve a gifted deposit. So this is a gifted amount of money that the child uses as a deposit. It's really important that we know if the parents are expecting the money back, because if they are expecting the money back, we have to take these payments into consideration when working out how much you're borrowing and how much you're able to borrow. It has to be taken into account as a loan, as a commitment. Now on the whole, mortgage lenders do prefer the money is gifted and the difference here is if it's gifted, your parents have to sign a letter detailing how much they'll be gifting and that they do not want the money back - that the money does not need to be repaid and that they therefore have no interest in the property. Gifted deposit letter If your parents are gifting you money for a deposit, you will need them to write that letter. We have a template available for you. A lot of lenders have their own templates as well, but we know exactly what the wording needs to be. We will talk you through that and we'll tell you exactly what that needs to say. Often we'll give you the template and your parents can then fill in the blanks and sign it. This is needed for the mortgage lender, but it's also needed from our perspective, just to make sure that everybody is in agreement, that the money is not being paid back and that we don't need to include it as a loan. So that's the most common way that people help their children get on the property ladder is by gifting a deposit. However, that is not always possible for every parent. It's a lot of money and there are other options out there if you don't want to gift the money. If your parent don't want to gift you the money, but you do want to find out ways that they can help you... Have you heard of the Family Springboard Mortgage? If you are struggling to save that deposit, there is something called a Family Springboard Mortgage from Barclays. We've actually done many, many cases on the Family Springboard Mortgage.  How does it work? How it works is you own the property but use your family or friends savings as a deposit to buy your own house with your own mortgage, and they get their money back with interest. You don't need a deposit. You can borrow the full purchase price of your home because your helper provides 10% of security for five years, and this acts as your deposit. If you're the helper, i.e. if you're the Mum and Dad, family, friend etc, you can help someone buy their own home. You don't have to be their parents. How you do that is you open a helpful start account in your name, which is linked to the mortgage, and you transfer 10% of the property purchase price into it. That is then used as security on their mortgage. In five years time, you will get an attractive rate of interest on your savings for the agreed term. It's typically five years and you can help more than one family member or friend get their own place at the same time. Once you get your money back, you can obviously do it again. If you're the homebuyer you don't need a deposit, you can use these savings. So you have 10% into a helpful start account and that will be your deposit. And then you'll borrow 90% of the purchase price. They'll need to keep it there for five years. As I say, you can borrow over 35 years, which can make things a lot more affordable for you, but we will look at the mortgage term completely tailored to you. You select a fixed rate for five years so that you know exactly what your mortgage payments are going to be, and that they won't change over that time. So it can work brilliantly because the person who wants to help gets their money back and the person who needs the help gets the property and doesn't need to find a deposit. So that's a really, really good scheme with Barclays that we can help you with. Another option is a Guarantor Mortgage... Now the other way that you can help (as a parent) is you can actually go on the mortgage as well. So if affordability is the problem, and it's not really about the deposit, then you can go on the mortgage. And there's a few ways that you can do this. So lots of people use the term Guarantor Mortgages, and this is basically where the guarantors income is taken into account when lenders work out how much you can borrow.  Joint Borrower Sole Proprietor There's something called joint borrower, sole proprietor, which is very similar, and that's where there's two of you on the mortgage, but the property will only be in one person's name.  That's sometimes really, really important to people that want to get on the property ladder. They don't want their parent to be on the deeds because that could involve a lot more stamp duty potentially, but also they want to own their own property. They don't want to own the property with their parents.  So you can go on the mortgage, but you don't have to go on the deeds, which is really useful. And particularly, as I say, with stamp duty, if you own your own property or multiple properties, you do have to take into account that there is an additional 3% stamp duty for any additional properties that you own over the first one. That can add up to a lot of money.  First time buyers get a relief with stamp duty (at the time of recording the episode) so that's going to be something you want to avoid if possible. Now, if you are thinking about having a Guarantor Mortgage, you need to take into account that the guarantor will need to be able to afford all of their own current commitments and lifestyle, as well as that mortgage. So you do need to look at affordability and a lender will look at it in exactly the same way as normal. So do bear that in mind. But it is a really good way of helping. There are lenders out there who will let as many as four applicants on one mortgage, and that can really help boost the income! Are there any downsides to having a Guarantor Mortgage? Now, the negatives of that is we have to take into account the age of your parents. If they're going on the mortgage with you, when we're taking into account the term. This is what can cause issues for lots of our clients who look to do this. Lots of you look to do this when you're not just first time buyers, but when you're looking at potentially splitting up with your partner and you're wondering how can you borrow this money on your own. That's when we see this happen, a lot. What you've got to take into account is a mortgage lender is going to lend to retirement age generally. And so if your parents are not far away from that, then the mortgage payments can be quite high and that can affect affordability. But there are lenders that will go up to age 80. It's not the be-all and end-all, if your parents are in your fifties or sixties, they can still help, but you just need to bear that in mind. What about lending money to your children as a payback loan? If you do want to lend your children money or your parents are thinking about lending you money you do need to bear in mind that the lender is going to take it into account as a loan. Some lenders won't accept borrowers if they take a loan to fund their deposit, even from parents. So it can be more tricky if you're doing it that way. It's not impossible though, so you just need to sort of let your mortgage broker know, and they can look into the options there. It's perfectly understandable if you want the money back, but that's where the family scheme may come into account and is a better way round of you doing it.  I've talked about Guarantor Mortgages and joint mortgages.  With Guarantor Mortgages sometimes a charge is placed against the Guarantors house. Now, what this means is that if you are the borrower and you don't pay your mortgage payment, that your guarantors home could be at risk.  Talk about it! So it's really important that you do have these really upfront conversations going into this - it's a big deal for your Mum and Dad to help you. You do need to be able to have those difficult conversations around money. I would say that's essential and uncomfortable, but essential because otherwise that's what can lead to arguments later on. It's serious, especially if someone is becoming a Guarantor, they need to seek their own legal advice so that they fully understand the commitment that they're taking on. We recommend that they do that every single time as do the lenders. What about the Family Mortgage from the Family Building Society? There are other ways that we can help. There's a lender called the Family Building Society. So it's no surprise that they do a family mortgage, which helps buyers with a low deposit to purchase a property using security provided by their family and the principle behind it is quite simple. It helps families help their take the first step on the property ladder. So as long as you have at least 5% deposit (and that can be gifted) and you have family that will give additional security by using their savings or having a charge on their own property, they are happy to help.  They can do 95% mortgages without the need for a gift or loan. And they have different rates obviously available and different affordability.  Now how it works... Family members can help by providing security in one or a combination of three different ways, either: With family savings,  With value in a family property or; Offsetting part of the mortgage.  So I'm just going to talk you through the savings. So they would put their savings in the family security account, which earns them interest too. If a buyer can find a 5% deposit from savings or a gift, then the family mortgage allows a family member to provide security for the buyer's mortgage in, by depositing savings in a family security account. If the house is sold and the property is in negative equity, there is a risk that the money in the family security account may have to be used to make good any shortfall. So you do need to make sure you're getting all that legal advice around it because it's good when it's good. We've got a case study that I'm going to talk you through just to try and help your understanding here, of how this would work in a real life scenario... We've got the Wilson's story. So George Wilson is 55 years old and he earns a reasonable income as a teacher. His stepdaughter, Christine, has recently graduated from University and he'd like to help her buy her first home. However, he doesn't have savings to spare. Christine has saved seven and a half thousand, a 5% deposit towards buying the flat she's chosen. She wants to borrow £142,500. However, George can't spare any cash, but he does own his home. The family mortgage will allow George to use some of the value of his home as security for Christine's mortgage. And by doing this, he can help Christine get a more favourable interest rate than she would otherwise be able to get. He is not using the whole value of his home, just the £30,000 needed to secure Christine a better interest rate. And assuming she keeps her mortgage up to date, the charge on George's property comes to an end. After 10 years, during that time, he is liable for £30,000 of any shortfall should the flat have to be sold for less than the amount that Christine owes on the mortgage. It could mean he'll have to sell his house to find the money. However, the family building society helped by providing a safety net. And finally, Offset accounts... Now there's one other way that you can help your children or that your family can help you with the Family Building Society. And that is with a family offset account.  How can you offset family savings to reduce the amount of the Mortgage you pay interest on? So I am going to do an episode on Offset Mortgages in general, but this is really important. We've got our case study where Dev is 27 and he's landed his dream job. He's finally able to afford the monthly payments on the kind of house he'd like to buy. He saved £10,000 for a deposit. Now, Dev's grandparents have savings. They want to use them to help him, but they eed the money for their retirement. They're not able to gift it to him. They put £50,000 of their savings into an offset account with the Family Building Society. They don't receive interest on it, which means that the benefit passes to Dev. So instead of Dev paying interest on the full mortgage, he only pays interest on the loan amount minus these savings of £50,000. This reduces his monthly payments and gives security for the mortgage, which means the interest rate he pays is also lower than he might've got otherwise. So the money remains his grandparents' money provided he keeps the repayments up and then they can expect it to be returned in full after 10 years. The precise date will depend on the combination of fixed rate mortgage periods chosen by Dev. The interest that they lose is likely to be less than the amount that Dev's saved by not having to pay interest on the full mortgage amount. So that is another great way a family can help with affordability. They're a brilliant lender, but they're one of many who actually do help when it comes to looking for solutions for you that are a little bit out of the ordinary as always. Why working with a broker is a good idea... I would always say the best thing to do is find a broker that you know, like, and trust that you can have those conversations with and brainstorm, because actually what you need sometimes is a soundboard. We do lots of Zoom calls with parents. We'll do a whole family meeting on Zoom so that everybody feels super comfortable and everybody understands exactly what's happening. The other beauty is we can record all of those Zoom calls. So if somebody can't make the Zoom call or the Team's call, then we can record it so that that can be played back to them and they can feel really comfortable with all of it. It's a big deal for the child and it is a big deal for the parents. It's not something that everybody can do and so it's just useful to know the different ways. Finally, to summarise... In summary, if you are thinking about asking your parents to help you get on the property ladder, or if you're a parent wondering if you can help in some way, you can gift money, you can loan money, you can go on the mortgage and not on the deeds, you can go on the mortgage and go on the deeds. You can have a charge on your property to act as collateral. You can put money into savings accounts, which can act as a deposit or indeed offset some of the interest of your child's mortgage. You could remortgage as well, so you could remortgage your house which is still really gifting or loaning money, and obviously there are other options out there that don't involve a mortgage such as personal or secured loans.  Just think really carefully, make sure you're getting legal advice. If you're a parent, make sure you're fully understanding what the risks are. Money is very emotive and it can be very awkward to talk about, but if you are thinking about going into an arrangement with your children, you're going to need to have those conversations and get really comfortable about talking about the uncomfortable. We are extremely passionate about helping people get on the property ladder and extremely passionate about making sure people understand exactly what they're doing when it comes to their mortgage.   If you have any questions for Sarah following this podcast please email sarah@themortgagemum.co.uk or contact Sarah on social media. Alternatively, please head over to www.themortgagemum.co.uk or contact us on social media. We would love to help you! The Mortgage Mum is a team of 20 female brokers based all across the UK. They are passionate, driven, enthusiastic women who thrive from helping customers achieve their property dreams. They educate, empower and they give an excellent service from start to finish. Follow The Mortgage Mum on all social media platforms: Facebook -  The Mortgage Mum   Instagram - https://www.instagram.com/the_mortgage_mum/ LinkedIn - https://www.linkedin.com/in/sarah-tucker-the-mortgage-mum-%E2%9C%A8-669898185/ YouTube -  The Mortgage Mum   Thank you for listening. Our beautiful intro and outro piano music was created and recorded by the incredible Zoe Alexandria - www.zoealexandria.co.uk. Please check her out on social media. She is so talented. If you would like to appear as a guest on The Mortgage Mum podcast please email sarah@themortgagemum.co.uk

CW: description of a patient having a cardiac arrest'...it's something that I've never really asked you or Mum, and that's how both of you met...'Transcript available herePurchase a season pass here: https://tincanaudio.bandcamp.com/album/love-wards-conversations-with-my-parentsFollow Tin Can Audio on Twitter: @tincanaudioThank you for listening! See acast.com/privacy for privacy and opt-out information.

CW: description of a patient having a cardiac arrest'...it's something that I've never really asked you or Mum, and that's how both of you met...'Transcript available herePurchase a season pass here: https://tincanaudio.bandcamp.com/album/love-wards-conversations-with-my-parentsFollow Tin Can Audio on Twitter: @tincanaudioThank you for listening! See acast.com/privacy for privacy and opt-out information. See acast.com/privacy for privacy and opt-out information.

According to Digital Finance Analytics latest figures, more than 60 per cent of first homebuyers are now receiving help from their parents to put down a deposit on a property and the average gifting is now equating to approximately $90,000. Based on the average first homebuyer deposit amount of $106,743, the Bank of Mum and Dad is providing an average of 84 per cent of the total required deposit for the more 60 per cent of first homebuyers that are receiving parental assistance. On this week's episode we take a look at the best way's to help your children with a deposit for a home! As always, if you have any questions email us at connect@pekada.com.au and follow us on our Facebook and Instagram for more financial tips! We also appreciate you giving us a review if you love the podcast and sharing it around so that we can get the word and help as many people as possible! --- Send in a voice message: https://anchor.fm/thewealthcollective/message

This week I have gone a bit different and decided to tell my story.  But rather than myself talking about it, I asked my parents to come on and tell their experience with having a child with CHD and how they coped throughout my life.  Music by Leon Dietsch https://soundcloud.com/leon-laser-pew-pew

Wie sind wir eigentlich an unsere Leidenschaft für gute Musik und Vinyl-Platten geraten? Ganz klar, es wurde uns sozusagen in die Wiege gelegt. Die alten Schallplatten-Sammlungen unserer Väter haben für uns heute noch eine wahnsinnig hohe Bedeutung und deshalb quatschen wir in dieser Folge auch über guten alten Stuff. Dire Straits, ZZ Top, Manfred Mans Earth Band und auch Toto sind vielen vielleicht kein Begriff mehr, haben es aber verdient, dass man sich mit ihnen beschäftigt und ihnen Gehör verleiht. Warum wir ganz besonders Stolz auf unsere Muddis sind und wie wir ihnen damals den letzten Nerv geraubt haben...hört doch einfach rein um es zu erfahren. Eine ganz besondere Folge für uns die defintiv nach einer Fortsetzung schreit. Bleibt gesund und haltet durch Beat ab

Episode 9.Welcome to a new Arsenal podcast, In the Clock End.On this weeks episode Steve & Kelvin discuss Arsenal's double header with Southampton.Find us on Instagram @intheclockend & @thearsenalshirtFind us on Twitter @intheclockend & @_TheArse_ Hosted on Acast. See acast.com/privacy for more information.

Happy New Year. Wishing you a great 2021. Amanda van der Gulik shares her story and her passion for teaching children the art of money management. Empowering children and families to become money smart so that they can succeed and become financially independent. Amanda's started Clever Dough Kids in 2007 to help parents teach financial literacy and entrepreneurship to their children using the power of story-telling. In 2016, she survived a 3 week coma, with only a 20% chance of survival. She is now on a mission to empower families to create passive income from their passions. We discussed: - Budgetting - Communication - Creating a Healthy Wealth Mindset - Creating Good Money Habits - Saving - Passive Income Ideas - Multiple Incomes - Offering lots of tools and advice along the way Tune in now if you want to start your journey to become financially independent. If you would like to connect with Amanda you can find her at www.Amandavandergulik.com or cleverdough.com

We made it to Christmas week —- Christmas 2020 will certainly be one to remember  and many of us will have have new story to tell about this year. Today I want to share stories of traditions that have been shared by some of our listeners. It all started with realizing that talk with my mom about christmases past had brought a lot of joy to both of us. She at 96 will be alone in her nursing home. One of the workers that was giving her a bath asked my mom if she knew what lefsa was (mom made it every year) and a great conversation was started! The worker's grandpa was Norwegian and they started talking about all kinds of Norwegian traditions. I shared this story on my facebook page and asked for other to share theirs. These are just a few! Cathy  - My dad didn’t cook in our growing up home, except when mom was in the hospital having our baby sister. But at Christmas, we would all be in the kitchen together making Christmas treats. Fudge, divinity, taffy (we’d butter our hands and dad would let us pull when the taffy had cooled enough that it wouldn’t burn us.)  We made quite a mess with all the different treats, but what fun we had! —— Les - When we were younger we would all take a different counter in the kitchen and make our favorite Christmas Cookies. KC - Cookie baking marathon on Christmas Eve. The kids and hubby have always helped and look forward to it every year and the Christmas meal: Colleen- We also had chicken and noodles over mashed potatoes... just a bit of starch Tina - My husband's family always has cinnamon rolls and chicken and noodles on Christmas day!! I'm sure this started because it was a way to feed a lot but now it's a tradition that we cherish!! Shari - Christmas eve..grandma always made stew with turnips & rutabagas ..I always thought it off but now that she is gone..I miss it terribly.. (don't we all relate to that?) Samantha - Family dinner!!!!!! We would start cooking the day before and always without fail we always forgot the corn in the microwave. Janice  - My earliest memories of Christmas in Queensland, Australia, is sweltering heat but sitting with Mum Dad,  my sister and Nana eating a roast dinner and Christmas pudding Church services: Candle light services were mentioned by many! Deb, Betty  & Cathy  - all talked about going to church on Christmas eve - maybe having a kids program - and going home with a sack with an apple or orange, nuts and some candy. I had forgotten that we did that too - so how fun to be reminded! Marsha- Church on Christmas Eve - this year it will be 15 minutes in the church parking lot singing Silent Night with candles. Hope we don't all cry. We won't be able to hug each other. We are be thankful to be alive! Other Traditions: Twila  - I don’t think my mother intended for this to be a tradition, but every year it seemed like she would forget where some of the presents were hid and through out Christmas Day more presents showed up as she would remember! Brenda- Still love filling a thermos with cocoa and driving around looking at Christmas lights in our jammies! Katherine Connors - Baking having my children open up one present on Christmas Eve when they were small that was always PJ's and now I continue that tradition and get PJ's for my grandchildren Jean - In New Zealand on Christmas eve we put a pillow case on the foot of our beds for Santa. When we woke we explored the pillowcase 1 big present and fresh fruit nuts lollies and balloons and other bits. Family gatherings: Barb - I have 8 younger siblings, 5 sisters and 3 brothers. I'm the oldest, both my parents are gone. Last years count was 148 people. We rent a hall. Will so miss this year not gathering, Heather - For the past 22 years my family has gathered at a roller skating rink where my mom and her siblings grew up. It turns out to be a pretty nice crowd... And a bunch of extended family comes as well. It's been hard knowing that I won't see these family members till next Christmas. Several shared about this is their first Christmas being spent along - or perhaps they have lost someone very important this year and will miss them terribly. I just want to say It OK if this is a hard Christmas - if you miss someone so very much, its also means you were blessed to have them in your life - and you have precious memories stored up! You can be grateful and sad and lonely - all of the things at the same time.  Christmas itself, is, after all the most important story of all.

This week we're switching things up, I've invited my Mum, Dad and sister Poppy onto the podcast. I'm nervous about this one - they've come loaded with secrets and knowing my family, they won't hold anything back… Learn more about your ad choices. Visit megaphone.fm/adchoices

In this "She Got Game Series" we have Aislinn "Ace" Konig. We discuss her coming from a basketball background where her Mum & Dad played, how she fell in love with the sport, representing Canada from 14,her playing experience at NC State,the work ethic that goes into being a great shooter, once scoring 14/16 from 3pt field, ACC Champion & what it took to reach that goal & More. Special thanks to Aislinn!! Follow her journey on IG @acekonig & acekonig.com. @coach_dee7 --- Send in a voice message: https://anchor.fm/coachdpodcast/message

I don't know what to feel when I hear from fellow musicians that they started learning their instrument at 3 years old. Part of me feels that if I had done the same I would be a more holistic musician and perhaps more proficient in the instrument if we are talking about the 10 000 hours rule. The more skeptical side of mind thinks that I might grow to hate practicing and never take on this profession... Perhaps sometimes parents do not know what they are truly signing up for when they put their children through music education from an early age. The child might grow to love music performance, and parents might hear the sentence "Mum/Dad, I want to enter music school" that they would most likely object. Placida is a perfect example of someone who has received music education from an early age. She has went on to the Yong Siew Toh Conservatory (Singapore) graduating with a Bachelor's in Violin performance and the Royal Conservatory in The Hague (Netherlands) with a Master's in Music Education and a Bachelor's in Baroque music performance. She is part of Singapore's Baroque ensemble,  Red Dot Baroque, an organization that is bringing baroque music to their audience in a refreshing way.On this episode of You Play A What? I learnt about all things baroque, from performance practice to the spirit of baroque music. There were some pretty eye opening revelation.. Join us and decide for yourself, is it Buh-rock or Br-Rowk and vibrato in baroque music! Check out Placida's YouTube Channel for some top quality violin/violone performance!Thank you so much for tuning in to this episode of the podcast! You can get in touch with me through https://www.youplayawhat.com . Subscribe and share this podcast with your friends if you enjoyed the episode. Feel free to leave a rating and review on which ever platform you choose to listen to your podcast!  

Small Biz Matters – Providing the small business community with educational content and advocacy since 2014with Alexi Boyd, broadcaster, advocate and small business owner.Date: 4 August 2020 When the chips are down you need a peak body on your side. And boy are the chips down right now. Right now small, medium and even large retailers are losing income and purging employees to the point of no return. And their biggest overhead? Commercial Rent. And suddenly, the Code of conduct is everyone’s business. What are the Small business owner’s rights and the landlord’s responsibilities? What is mandated and what is inferred?  Which level of government administers and is policing the protections? And importantly; who can you turn to for help? Right now the National Retail Association is flooded with queries about what has been mandated. Kyle Swain is the Leasing Advisor to the National Retailers Association and has been in the room supporting and negotiating for you and your business so we’ve brought him on Small Biz Matters to help you understand the changes. Topics we’ll be covering: Background - The creation of the National Cabinet Code of Conduct and the SME Commercial Leasing Principals How did the code of conduct come about and who did the National Cabinet consult when it was created? What is it’s intent? Administration committee (a group of advisors in this case made up of 4 peak bodies) gave info to National Cabinet. National Retail Association’s advisor contributed to the guiding principles for the agreement to protect the tenants Then the States give effect to the code through legislation. So some states were quick to act and others slow to implement the desperately needed change. It is a mandatory National Code of conduct but many landlords wouldn’t act until the legislation actually assented in each state. So how does this work for business owners who have multiple locations across multiple states? What’s the main difference between the states? Confusion around the different data required by landlords in each state Now: what’s the current impact on small business? You mentioned you’ve had a big increase in businesses seeking information about the Code of Conduct to achieve rent relief and understand what their requirements are. There is a lot of grey area and it’s very open to interpretation. It’s not robust enough. How tough is it out there? It’s not just the Mum & Dad small-scale operators; the participants are across the board in terms of size How important is this code of conduct to keeping businesses alive? What about the big boys: Westfield etc. What’s your report card on them? It’s the landlords who have, over a number of years, pushed “market rents” to a level that is unsustainable for SME’s and resulted in such a large percentage of tenants and occupiers of real estate, whether it’s a retail premises, a commercial office space or a warehouse, who don’t have 3-6 months of cashflow in the business to survive a sustained downturn such as a pandemic. For many, particularly in retail, even 1 month of having to close the business and receiving no revenue, even if 50% of the rent is waived, will result in financial failure,... and we’re seeing that in small numbers already, and expect to see it in huge numbers after JobKeeper ends.   So my report card on landlords generally is that the bigger ones are certainly fulfilling their minimum obligations under the Code, but not really doing enough to fulfil the ‘intent’ of the code and I fear they will suffer the impact of that for the next 3 or 4 financial years rather than having 1 bad year. The future: The continuing negotiation process between peak bodies & government across different scenarios The ‘reasonable recovery period’ - why is it important to understand what the definition of this period is? Returning to the two versions of “normal” - with or without the vaccine How dependent is the industry on Jobkeeper and why is it important to remember the impact it’s removal will have? With Jobkeeper now extended, will the Code of Conduct also be extended? And do we know what’s going to happen after this Code of Conduct period ends? How can small businesses improve the negotiation process? Where can those affected small businesses go for help? Peak bodies Webinars and understanding the legislation Know your rights, know where to go for help, educate to understand your requirements. Peak bodies can also support in the mediation process on the side of the small business Small business commissioners at state level & ASBFEO To find out more : The National Cabinet Mandatory Code of Conduct - SME Commercial Leasing Pricipals - https://www.pm.gov.au/sites/default/files/files/national-cabinet-mandatory-code-ofconduct-sme-commercial-leasing-principles.pdf About our Guest: Kyle is the Retail Director for LPC Cresa who were founded in 1993 and are now one of Australia and New Zealand’s’ leading, independent, tenant-only leasing and property advisory businesses, and part of the global Cresa group. Lpc Cresa advises office, retail and industrial tenants exclusively across every stage of the property lifecycle and seek to level the playing field when negotiating with landlords and developers to ensure tenants achieve the best possible outcomes. Lpc Cresa has built a reputation as the preferred problem solver among occupiers of real estate through their unwavering commitment to providing tenants with professional, high quality and independent property advice. As the Retail Director, Kyle is passionate about helping retailers improve their bottom line through strategically aligned property outcomes and has particular expertise in optimising lease portfolios. Kyle has post graduate degrees in both Property Economics and Business Administration and a solid background in retail management having worked for major Australian retail brands including Coles Myer Group before entering the property industry. Kyle has been the Leasing and Tenancy Advisor to the National Retail Association since 2017, providing advice and representation to Australia’s most representative retail industry association with more than 24000 shopfronts nationwide, positioning Kyle as leader in tenant-side retail leasing, tenant representation and retail advisory services. In his spare time, Kyle is a Childhood Cancer Awareness advocate and avid cyclist, riding 250-300km per week before most of us even get out of bed.  

Jesse Smith goes by too many names to mention but some attributes that are synonymous with those names are: happy, excited, stoked and a heart of gold. Born in Auckland then moving down to Taranaki so Mum & Dad could enjoy the surf, create fellowship and run their business (Seasons / Cheapskates, an iconic Taranaki surf shop that later included skate gear and then ultimately street culture that ran parallel to the upbringing of any Taranaki 90s kid) - Jesse is a man that warms the heart of everyone he passes.   To say Jesse is an optimist would be a gross understatement. For years, the 34 year old has made every person within his radius feel like they mattered and is known for being able to change your day around with a simple conversation. However, amongst the smiles and laughter - there is also a story of a family battling a medical condition that continuously threatens the positive radiance of a man (and his family) who have long been at the epicentre for shaping the retail, surf and skate culture of the little yet excited hub that is Taranaki. I sat with the regions most positive man to discuss family, human science, the power of stickers and how religion, nature and good f*ckin attitude can help you through almost anything. 

Jesus was a teacher. 2000 years ago they didn't have schools like we have, or even universities or churches. It was all very different. I love learning how to do new things by watching Youtube videos and by listening to podcasts. That's how I learnt how to make this podcast! In Jesus' day, there was no Youtube or podcasts. There were no TVs or radios or even electricity or microphones. People would stand up on street corners and speak what they wanted to teach in a really loud voice, and if you were walking past and thought that what they were saying was interesting then you'd stop and listen. I have hung out with some indigenous christians and they do something similar. The Christians will meet together in a park with chairs and microphones and will speak really loudly about Jesus. They hope that some of the people in the nearby homes might hear the gospel and come out and ask if they can become Christians. Anyway, Jesus had been doing lots of miracles and so everyone was talking about Jesus. He was big news! So not only did sick people want to come and be healed, but other people wanted to come and see sick people being healed. Even though there was no tv or newspapers, the news spread quickly and soon crowds began following Jesus wherever he went. Not just people from the town he was in, but people from the nearby towns as well! He thought going out of town, into the desert and lonely places would be better - more space and only those who were really keen would come out to hear him. There were no microphones back then either so I am not sure how the thousands and thousands of people could hear him, but they must have! “Not everyone who says to me, ‘Lord, Lord,' will enter the kingdom of heaven, but the one who does the will of my Father who is in heaven.” Matthew 7:21 If I lived back then when Jesus was alive and wanted to teach these things people would probably have laughed at me. They definitely wouldn't have believed me. They might have even taken me to jail because I was saying things that weren't the same as what God had taught Moses. That would be saying that their hero Moses was wrong. But because Jesus was teaching these different teachings - the man who did all the miracles - the people listened. Many found themselves understanding, agreeing and wanting to follow Jesus. Not all of them though. Some of the people listening realised that Jesus was changing the laws Moses had given them and they didn't like that. They didn't recognise Jesus as being the Messiah even though all the clues from the prophets were there. Those people did not like that Jesus was popular and they plotted to get rid of Jesus. Jesus knew what was happening and had to be very careful with what he did and what he said. Sometimes these people would ask Jesus a question, hoping to trick him into saying something that might mean they could take him to jail, but Jesus was not tricked. He spoke very carefully and often asked them questions in return, stumping them at their own game. Jesus taught so many things and the disciples (plus others!) wrote it down even though writing was really hard back then, because they thought this stuff was important. Since then the letters and writings had been written and rewritten so they wouldn't perish, and later they were translated into our own language so we can read it. To have these books about Jesus - the gospels - to have access to any time we like is such an amazing blessing. Discussion Questions: Do you like learning new things? Why/why not? Talk together about how you like learning - do you like watching YouTube like I do, or reading books or do you like people explaining things to you? Mum/Dad, what is one thing you have learned from Jesus' teaching that really struck you as being really memorable and why?

Three Fs have been a consistent part of international bestseller Joanna Trollope's life: Fiction, family and feminism. She explains why here. The international bestseller says, “There will always be women who want to stay at home in the kitchen and make jam tarts with the three-year-old, and there will always be women who want to rule the world.” Which kind is she? And why does Jane Austen inspire her? This episode also includes a tribute to poet extraordinaire Eavan Boland from writer Colum McCann. For more on Joanna Trollope’s latest novel Mum & Dad follow the link https://www.panmacmillan.com/authors/joanna-trollope/mum-dad/9781529003383 For more on Joanna Trollope follow the link https://www.joannatrollope.com Presented and Produced by Martina Devlin Music by Daragh Dukes

In this episode we discuss how to identify constructive vs. combative conflict, navigating outgrowing family and being commodified within friendships. Come chat about this episode on our Facebook group! - www.facebook.com/groups/242333026713965/ SOCIALS instagram.com/iswis_podcast 
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So, Twitter Political Advertising Policy is out, and whilst I sympathise with the position they are in, I want to talk about how they changed the deal, and have turned their back on the very things that made them successful.The Internet, and particularly Twitter, were built on the exact behaviour that they are now trying to stop. There are two factions here that are at odds, and Twitter has completely abandoned one of them.For those of us who have been on the Internet for a long time, and are used to the "price of admission" of online conversations - banter, jokes, saying awful things, a good old fashioned flame war, and a hashtag pile-on, it would seem as though Twitter have now gone completely corporate - turning their back on the people that made the platform a success.For the young Woke journos, this might seem fair, because they grew up with a block button, and an expectation that Mum & Dad would keep them "safe".In today's episode, I talk a bit about that tension, and whilst I hope that Twitter can find the balance, it's really not looking likely.Support the show

With us growing old, our parents are aging as well, but we seldom realize that. Life is short and we must tell the people we love sooner. In 'A Date with Mum & Dad', I talk about the tragedies of life and how living the best, right now is important. Coz today is all we have.

The Juice Media - On Cashless Welfare Cards, Requests from from Coast FM Tasmania and Loving Life FM New South Wales. Will Tones and I hold #1? Goss with Shereen Keen and Richard from Tucker 56 with the US TOP 5, Who won't leave Mum & Dad's & it only took 11 Years.Hit Pick :Illy feat Robinson - Lean On Me’ Request  1800646376 in Australia.  1800 650 8958 in U.S.A and Canada. request@hot30withmatty.com any where in the World. SMS AUS (+61)406755088 (this number is now connected tot he studio and will be answered thursday Nights)or email request@hot30withmatty.com and matty will read it out. Counting down the Hottest 30 songs as voted by you. AVAILABLE ON ITUNES, SPOTIFY, PODBEAN, MY TUNER and WOOSHKA.  PLUS OVER 36 FM STATIONS AROUND AUSTRALIA AND THE WORLD FREE FOR SYNDICATION - SENT VIA FTP IN 6 segs approx 27.5 mins each full quality 320 MP3 To receive the Full Quality Broadcast Version please contact below: Distributed by AIR NEWS - Conatact Artie www.airnews.com.au  or Matty request@hot30withmatty.com S.C.M.A. Member Stations - Available through P.D.S. after 1 Pm Fridays This Version is not timed out to 3 hours Total Time All Segments Joined  02:47:34 

Episode 9 - Niki & Ian Bowler (Mum & Dad) Quite simply put, Niki & Ian Bowler are my Mum & Dad and the people that raised me to be the person I am today. They emigrated to America over 6 years ago and I fly out to visit them once a year and during my most recent trip I thought it would be stupid to miss out on the opportunity to get to know them more than I do already! We discuss their move to states and how that came about, likes and dislikes of their surroundings and what they miss from the UK. We then roll back the years and find out more about how they met and even unearth some things from my childhood as well! PLEASE LIKE, SHARE & SUBSCRIBE ON YOUR LISTENING PLATFORM OF CHOICE! ***** And please leave a 5 star review if you like what you hear! ***** @JakWithoutTheC - https://twitter.com/JakWithoutTheC  @jakwith0utthec -  https://www.instagram.com/jakwith0utthec/  Email enquiries - jakbowler@hotmail.co.uk #DontBeAStranger #TJBP Thanks very much for your support and listening and remember, Don't Be A Stranger!

So we are in the thick of school holidays and we know they can be a testing time for everyone involved! We take on a huge mission as parents to care, nurture, protect, inspire and guide our young ones however with the testing times of no routine, boredom, too much screen time and sibling spats, how on earth do we get through?   I’ve had a few years doing this now and these are some of my top tips for coping? 1.      Put Something in their Love Bank Before you start the day and try to get through everything you need to do before taking the kids out, give them a small amount of undivided attention, pay in to their bank and they are then set up for the rest of the day 2.      Give Responsibilities Chores to help around the house are a great way to give them something to do and to also help you out at this particularly busy time. Come up with a list of jobs that you are willing to give pocket money for – encourage them to earn, it helps them learn how to manage money and it definitely slows down their spending when they know it’s their own cash! 3.      Have boundaries and routine Set some sort of routine in place, maybe have a holiday timetable or a calendar up with planned dates on. Children respond well to boundaries and a framework. They are used to it in school and gives them check points through the day, the week and the holiday. This also helps you see the holiday as a whole, where your work fits in and where there are gaps that might need filling. 4.      Be Slow To Lay Down The Law Don’t go making huge threats that you can’t uphold. Have few and fair rules, this is holiday, it’s time to enjoy some down time but that doesn’t mean that everything goes out of the window – and remember, consistency is key. 5.      Don’t Be The Referee Get them to sort their own battles with each other, it’s a huge life skill and will deter unnecessary fights as it won’t become about getting Mum/Dad’s attention. 6.      Enjoy your children They are only with us for a short time!   The book I read from is The Rules of Life by Richard Templar and Liquid Thinking which I quoted earlier on re the psychology in the OJ Simpson defence was Liquid Thinking by Damian Hughes

INTERNATIONAL WOMEN'S DAY It’s International Women’s day and the theme this year is Balance for Better. What does that mean to us .. well it’s about raising awareness .. challenging bias and influencing behavior but it’s also about launching initiatives lobbying and fundraising. Here on the Riviera Firefly we serve the community by raising awareness. We tell you about all the fab entrepreneurs, businesses and initiatives . We share great spots to hang out and things to look forward to this time in this very a special edition the firefly asked for a couple of local entrepreneurs to contribute to an International Woman's day special. Sharing their own mission and vision for bringing balance for a better life Today we chat with our host Antonia from KidooLand, Catherine from Aygen Training and Cassie the Builder's Daughter who all share how they will be working on balance for better in 2019. You can contact them : Catherine Aygen from Aygen Training +33 (0)6 61 50 76 07 www.aygentraining.com Cassie West-Guillemain +33 6 86 59 46 52 cassie@buildersdaughter.com Website: https://buildersdaughter.com/ Facebook:https://www.facebook.com/TheBuildersDaughter.06 Instagram: https://www.instagram.com/the_builders_daughter/ Antonia at KidooLand and the Riviera Firefly In Vallauris Sophia Antipolis with AdoLand visiting the Côte d’Azur  https://www.kidooland.com/ OUR FACEBOOK INTEREST GROUPS Cote d’Azur Living  https://www.facebook.com/groups/cotedazurliving Business Support Club https://www.facebook.com/groups/fireflycocoon/ Culture Club Riviera https://www.facebook.com/groups/cultureclubriviera Teen Riviera https://www.facebook.com/groups/teenriviera/ Home and Garden Alpes Maritimes https://www.facebook.com/groups/HomeGardenAlpesMaritimes/ Silver Surfers & Retirees https://www.facebook.com/groups/silversurfersriviera/ OUR SPONSOR IS KIDOOLAND. This episode was brought to you by KidooLand The Little English School on the French Riviera. KidooLand was established in 2007 and opened new holiday locations in Valbonne in 2014.  In 2018 we expanded and  opened The Loft a great addition to the annex great for birthday parties and events. KidooLand is the place to come when you have just Landed in the Alpes Maritimes. A club, a centre, a place to hang out and get all the essential information to living the dream in the South of France.   Day to day we run weekly activities and  classes and in the holidays fun  camps for children. We even have pop up workshops and activities for adults. You don't need to have kids to enjoy what we offer. Mum/Dad  and Baby/Toddler groups, Playgroup, Kindergarten, English lessons, Adult sessions Yoga, Pilates and English and French conversation classes. Pop up workshops include stunning floral displays, colour and image consulting, painting classes, cooking, baby massage and more! We also know lots about the local schools, the international sections and bilingual programmes. You can book a consultation with our director to find out more about the options available for you and your child. Tel 00 33 +(0)4 93 64 53 54 www.kidooland.com #anglais #stagevacances #sophiaantipolis #positiveeducation #southoffrance #bilingual #biot #valbonne #mougins #cannes #cotedazurliving #france #coursenfants #anglaisludique #englishisfun #lemonandgingermoments #fitfor50 anglais, stagevacances, sophiaantipolis, positiveeducation, southoffrance , bilingual , biot , valbonne , mougins , cannes , cotedazurliving , france , coursenfants , anglaisludique , englishisfun , lemonandgingermoments , fitfor50, kick ass mid-life, tonalworkshop, colourmebeautiful, summer, winter, spring, autumn www.rivierafirefly.com Copyright 2017, 2018, 2019

Welcome to episode 5 of 2 beards and a moustache. WE ARE CONTINUING TO SHAKE THINS UP A BIT! This week we take a look at the old stigma around gaming, giving our opinions on twitch and discuss the future career making possibilities it holds. Then we dip our toes into the idea of a complaining culture forming in the world, how it has got this way and maybe what harm it could do. Ending of course by playing our much enjoyed game, Place the comment. Let us know what you think about each subject on our social media and ask us some questions to get featured on next weeks podcast! Also check us out on these other platforms: Instagram: @2BAAM_ https://bit.ly/2I2nYdf Twitter: @Pipedreamvoice https://bit.ly/2MUltbK Our Website: www.pipedream.online

Are you ready to look at your life and give it an upgrade? Is your image dated and tired could you do with an injection of freshness a look, a style and colours that suit you ? Have you thought about setting up your own business or do you run one already but wish it had more traction and direction. Listen to how Aileen Lane of Lane Image Consulting took a leap of faith and started her own business, how she learnt all the business skills through trial and error setting up her business and how she can help you here today, right now! Aileen is an Image Consultant and runs tonal workshops from her studio in Mougins helping  other women be more confident She grew up in Limerick before moving to Dublin. She’s traveled around Bahrain, Singapore before arriving in the South of France. THE BUSINESS - LANE IMAGE CONSULTING We talk about  the early days and career. Her early background is very different to : Bio technology and a masters in food engineering Why she set up her business what is Lane Image Consulting. Who is her typical client and Avatar Imagine you are with  your ideal client, what would you say to them right now? The challenges of setting up a business include Mindset and how it can hold you back, business mentors, mastermind. You don't need to do this on your own. The power of remaining open minded, letting go of limitations and how you can see the opportunity   COLOUR AND STYLE ANALYSIS  Knowing the colours and how to put them together taking in the personality and message you want to get out to the world. Fashion and style in your 40s and 50s The middle market of fashion - it’s lackingCooler skin tones, warmer tones, light colouring, tints tones shades,  A typical session in the Mougins studio .. the personality test, the draping process, Having your colours done saves you money in the long run - it’s the cost of a winter coat. The wardrobe challenge - 5 day weed out challenge. MOVING ABROAD TO FRANCE - SETTLING IN Making friends, how to integrate, speaking French She recommends Juan Les Pins , Theole Sur Mer. She wants to go to Italy Ventimilia, San Remo, Andrea Botticelli , Corsica, Spain Culture Club Riviera how pop up workshops can be fun, help you meet new people and learn something. Coming up at KidooLand Flower arranging workshop with Dandelions and Grace and a Tonal workshop with Aileen from Lane Image Consulting. WE ALSO MENTION The Sedona Method - how the stories in your mind limit you. Her favourite author: Eckhart Tolle - Stillness Speaks & A new earth Favourite Quote: Feel the fear and do it anyway. R.E.S.E.T your Mindset Natalie Eckdahl BizChix.com The Little Green Café in Valbonne - Buddha bowls.. run by Claire Les ateliers du Loup - recycling, marché nocturne, making our own nutmilk lesrendezvousduloup.com Tiffany Butler from TBA Events Cloud 9 Club netwroking group and PWN network CONTACTING OUR GUEST Email: aileen@laneimageconsulting.com Website: www.laneimageconsulting.com Facebook: Lane Image Consulting Facebook 4 Day Style Challenge: https://www.facebook.com/groups/4daysignaturestylechallenge/ Instagram: aileenlane_laneimageconsulting LinkedIn: Aileen Lane OUR FACEBOOK INTEREST GROUPS Cote d’Azur Living  https://www.facebook.com/groups/cotedazurliving Business Support Club https://www.facebook.com/groups/fireflycocoon/ Culture Club Riviera https://www.facebook.com/groups/cultureclubriviera Teen Riviera https://www.facebook.com/groups/teenriviera/ Home and Garden Alpes Maritimes https://www.facebook.com/groups/HomeGardenAlpesMaritimes/ Silver Surfers & Retirees https://www.facebook.com/groups/silversurfersriviera/ OUR SPONSOR IS KIDOOLAND. This episode was brought to you by KidooLand The Little English School on the French Riviera. KidooLand was established in 2007 and opened new holiday locations in Valbonne in 2014.  In 2018 we expanded and  opened The Loft a great addition to the annexe great for birthday parties and events. KidooLand is the place to come when you have just Landed in the Alpes Maritimes. A club, a centre, a place to hang out and get all the essential information to living the dream in the South of France. Day to day we run weekly activities and  classes and in the holidays fun  camps for children. We even have pop up workshops and activities for adults. You don't need to have kids to enjoy what we offer. Mum/Dad  and Baby/Toddler groups, Playgroup, Kindergarten, English lessons, Adult sessions Yoga, Pilates and English and French conversation classes. Pop up workshops include stunning floral displays, colour and image consulting, painting classes, cooking, baby massage and more! We also know lots about the local schools, the international sections and bilingual programmes. You can book a consultation with our director to find out more about the options available for you and your child. Tel 00 33 +(0)4 93 64 53 54 www.kidooland.com #anglais #stagevacances #sophiaantipolis #positiveeducation #southoffrance #bilingual #biot #valbonne #mougins #cannes #cotedazurliving #france #coursenfants #anglaisludique #englishisfun #lemonandgingermoments #fitfor50 In Vallauris Sophia Antipolis with AdoLand visiting the Côte d’Azur www.kidooland.com www.rivierafirefly.com Copyright 2017, 2018, 2019

Have you dreamed of writing a book ? Put off by how expensive publishing and printing a book can be ? The Firefly talks to local author James Vasey based in the Italian town Seborga just past Monte Carlo. We chat about his love for Italy and in particular Serboga and it's Templar Knights, how his passion for Italy, travel, food wine and cooking have come together to create his first fictional novel Cooking up a Country. Publishing a book has finally become within reach for all you budding novelists. Listen in to how to make your dream come true. This Episode James Vasey is a former regional magazine editor, entrepreneur and university lecturer, James is now an author who divides his time between homes in Northumberland and Liguria, Italy.  He was born in County Durham and obtained an MBA at Teesside University.  His inspiration for moving to Europe was Annie Hayes Extra Virgin We chat about Seborga and its history of the Templer Knights How it is A De facto micro nation with a Prince and a Princess , traditions and rituals just 1 hour from Monte Carlo’s Monaco.   About the book Cooking up a Country is a romance for everyone who owns an intalian cookbook. Synopsis: Two damaged people from very different backgrounds are drawn together by a shared passion for food and wine. Ben is a feckless but fundamentally decent English academic on the run from his own mistakes. Alessandra is a talented but bitter Italian chef escaping her ex-partner’s stupidity. It is definitely not love at first sight. Their two worlds collide in the ancient Principality of Seborga, whose claimed independence from Italy dates back to the Knights Templar. Perched high above the azure sea of the Italian Riviera it is a community in sight of, but also in stark contrast to, its wealthier neighbour, Monaco. The forces of globalisation threaten Alessandra's family Osteria and the community's artisan food producers. If he is to win the woman and earn the respect of his new neighbours Ben needs a plan to help them survive.    Writing the book  The process How to write a book by Harry Bingham (and video tutorials)  Publishing a book using Kindle direct publishing The Cover Linda McClusky Tips for setting about writing a book   BUY THE BOOK Genre: Contemporary romantic fiction ISBN-13:978-1722952907 Amazon link: Paperback £9.99 Kindle £0.99   ALSO MENTIONED Table Talk AA Gill https://en.wikipedia.org/wiki/Seborga CONTACTING OUR GUEST Author: James Vasey jamesvaseyauthor@gmail.com   Facebook link: www.facebook.com/jamesvaseyauthor Contacts: jamesvaseyauthor@gmail.com mobile +447711 707611 OUR FACEBOOK INTEREST GROUPS Cote d’Azur Living  https://www.facebook.com/groups/cotedazurliving Business Support Club https://www.facebook.com/groups/fireflycocoon/ Culture Club Riviera https://www.facebook.com/groups/cultureclubriviera Teen Riviera https://www.facebook.com/groups/teenriviera/ Home and Garden Alpes Maritimes https://www.facebook.com/groups/HomeGardenAlpesMaritimes/ Silver Surfers & Retirees https://www.facebook.com/groups/silversurfersriviera/ OUR SPONSOR IS KIDOOLAND. This episode was brought to you by KidooLand The Little English School on the French Riviera. KidooLand was established in 2007 and opened new holiday locations in Valbonne in 2014.  In 2018 we expanded and  opened The Loft a great addition to the annexe great for birthday parties and events. KidooLand is the place to come when you have just Landed in the Alpes Maritimes. A club, a centre, a place to hang out and get all the essential information to living the dream in the South of France.   Day to day we run weekly activities and  classes and in the holidays fun  camps for children. We even have pop up workshops and activities for adults. You don't need to have kids to enjoy what we offer. Mum/Dad  and Baby/Toddler groups, Playgroup, Kindergarten, English lessons, Adult sessions Yoga, Pilates and English and French conversation classes. Pop up workshops include stunning floral displays, colour and image consulting, painting classes, cooking, baby massage and more! We also know lots about the local schools, the international sections and bilingual programmes. You can book a consultation with our director to find out more about the options available for you and your child. Tel 00 33 +(0)4 93 64 53 54 www.kidooland.com #anglais #stagevacances #sophiaantipolis #positiveeducation #southoffrance #bilingual #biot #valbonne #mougins #cannes #cotedazurliving #france #coursenfants #anglaisludique #englishisfun #lemonandgingermoments #fitfor50 In Vallauris Sophia Antipolis with AdoLand visiting the Côte d’Azur www.kidooland.com www.rivierafirefly.com Copyright 2017, 2018, 2019

Leigh Bodin joins to chat about her Fitness and Nutrition business. She shares her journey to the South of France and how she set about studying for her Level 2 nutrition coach. Dedicated to learning she spent one year studying with precision nutrition for the master coaching class, based on coaching psychology. Now she is a personal trainer and nutritionist to people in their 40s, and 50s here on the Cote d'Azur. She pivots and niched down her business in 2018 and is ready to embrace the challenges and the online world of health and sport in 2019. In this episode we talked about: Her journey to the South of France the steps Leigh took to niche her business Blue Ocean Strategy - Blue Ocean Red Ocean https://www.blueoceanstrategy.com  how she has built her business up and how her philosophies and approach differ from other trainers Why she set up Fit Nutrition, how she changed her own health and fitness by ditching the fat loss and aesthetics goals in favor of strength and mastery of kettlebell techniques Exercises for menopause and peri-menopause how it changes. How she created a community who are like minded to their health and fitness. Growth is her word for the year. CONTACT LEIGH Tel. 06.03.05.17.49 Like us on Facebook! www.fitnutritionfrance.com 2019: New online nutrition course partnered with Precision Nutrition (see more info about them here: www.precisionnutrition.com) Www.procoach.app/leighfitnutrition Her inspirational quote: Start wherever you are, Use whatever you have, Do whatever you can  -Arthur Ashe KEY CONTENT AND TIPS FROM LEIGH -For busy working Moms to add movement to their week: I think the more important question here is that when you are short on time, there are a few things that need to be addressed.  We want more movement and we need to consistently get that movement. I could give you a list of a 100 ways to move more, but unless you have a good system in place, you are probably are not likely to do them anyway.  So before we even get to the movement part think about this: I could say, Antonia, here is the best fitness plan in the world - if you follow this, you will reach your goals.  But if i’ve Given you something that you don’t enjoy doing, you won’t stick with it.  Whatever movement we are going to incorporate, it has be something that you will do consistently.  Consistency is the magic word.  So how to get a stage where we can be more consistent with our fitness and our movement? So for me , the first step is: Find out what you like to do What really ticks your box?  What do you really enjoy doing?  Walking, running, boxing, kettlebells, Pilates, yoga...etc.  What am I going to get really excited about doing every week?  And of course it that might change over time, too.  This can be really fun...this can mean going out and trying new and discovering new things.  You never know until you try.  I hear this with kettlebells all the time.  Get out there, get out of your comfort zone and try something new.   2. Decide why you want to do something - that way it becomes more meaningful.  Last week, on the FB group we looked at Why, What, How...overall, we are looking for consistency.  10 mins every day is more beneficial that a big exercise session once every two weeks.  We are looking for progress, a little more, a little better.  Why do you want more movement in your life?  What is your goal?  Narrow it down and get more specific.  It will help you stay motivated to get that extra movement it.  Are you trying to lose fat or gain strength or change your health markers?  I have a client whose goal is to be able to run around a football pitch with his son.  Every has their WHY.  And knowing that will help you keep moving towards your goal. Without a goal we are all kind of floating...and when you float, you are far less likely to stay consistent.   3. Work your 3’s:  Structure, Systems, and Scheduling:  You’ve probably heard this in business coaching and the same can be applied to health and fitness. Structure:  these are things and environments that surround us.  The things that we put into place to get things done.  So for movement, it might be choosing a gym or a class that is close to where we live, so its easy and convenient.   Systems: These are processes and practices we use to make things happen.  This can include an evening ritual of getting our gym bag ready the night before, or with nutrition, prepping our food for the next day.  It’s putting things in place so it makes it easier for us to do the things we’ve set out to do. Scheduling:  This is probably the most important one for busy people.  We don’t wait for inspiration to strike to go out and get that movement...we schdule it in like we do any other appointment and we keep that appointment.  You don’t wait to you feel like going to the dentist to make an appointment.  You book it. Fitness and movement - it’s self-care.  So we book that time in for ourselves because it is absolutely necessary.  We book our fitness and nutrition like any other appointment...and you keep it.  Keep that commitment to yourself. OUR FACEBOOK INTEREST GROUPS Cote d’Azur Living  https://www.facebook.com/groups/cotedazurliving Business Support Club https://www.facebook.com/groups/fireflycocoon/ Culture Club Riviera https://www.facebook.com/groups/cultureclubriviera Teen Riviera https://www.facebook.com/groups/teenriviera/ Home and Garden Alpes Maritimes https://www.facebook.com/groups/HomeGardenAlpesMaritimes/ Silver Surfers & Retirees https://www.facebook.com/groups/silversurfersriviera/ OUR SPONSOR IS KIDOOLAND. This episode was brought to you by KidooLand The Little English School on the French Riviera. KidooLand was established in 2007 and opened new holiday locations in Valbonne in 2014.  In 2018 we expanded and  opened The Loft a great addition to the annexe great for birthday parties and events. KidooLand is the place to come when you have just Landed in the Alpes Maritimes. A club, a centre, a place to hang out and get all the essential information to living the dream in the South of France.   Day to day we run weekly activities and  classes and in the holidays fun  camps for children. We even have pop up workshops and activities for adults. You don't need to have kids to enjoy what we offer. Mum/Dad  and Baby/Toddler groups, Playgroup, Kindergarten, English lessons, Adult sessions Yoga, Pilates and English and French conversation classes. Pop up workshops include stunning floral displays, colour and image consulting, painting classes, cooking, baby massage and more! We also know lots about the local schools, the international sections and bilingual programmes. You can book a consultation with our director to find out more about the options available for you and your child. Tel 00 33 +(0)4 93 64 53 54 www.kidooland.com #anglais #stagevacances #sophiaantipolis #positiveeducation #southoffrance #bilingual #biot #valbonne #mougins #cannes #cotedazurliving #france #coursenfants #anglaisludique #englishisfun #lemonandgingermoments #fitfor50 In Vallauris Sophia Antipolis with AdoLand visiting the Côte d’Azur www.kidooland.com www.rivierafirefly.com Copyright 2017, 2018, 2019

Ignite Your Purose Daily Show 90 #IYP The Outsource Economy - The Bailout Lifestyle I can't do it... I don't know how to... Mum/ Dad/ someone else will do it for me... John Barrett and myself talk about an event I went through as a waited for 2 families who took up all the tellers time at a bank for the better part of 30 minutes as the parents asked the tellers to do all the work for their kids (early 20's) ya kid's... because the kid's just did not have the time to do it themselves and as well the kids found it to difficult which lead them to stress and possible anxiety. I had to admit to John that even though I am 10 year's deep into the sotozen ways and lifestyle this brought me close to the edge! As I sat there in amazement at what was going on in front of me... I thought about all that goes on in this world; from 3rd world countries, all the tragedies, all the heart break -then- to how it once was when immigrants came here with $10 dollars and somehow made it on their own I was like who can you really be upset with????? Honestly? Not the Kids..better yet young adults - not their fault because it's all they know, The parents well they learned it from somewhere as well, or maybe they are trying to make up for not being there for their kids back in the day because they had to work? We do some what live in a handout world these days.... so we ranted about the ways this has developed and what might be to come! Take a listen and let us know your thoughts!  We talk longevity through a healthy lifestyle ~ a mix of mental physical and spiritual knowledge ~ The mind Body soul trifecta ~ Negative To Positive ~ Better Everyday Youtube- ... http://bit.ly/ignite-your-purpose Facebook- ... https://www.facebook.com/IYPurpose/ Instagram- ... https://www.instagram.com/IYPurpose/ Twitter- ... https://twitter.com/purposeignite Podbean - https://igniteyourpurpose.podbean.com Apparel- ... http://bit.ly/igniteapparel My Kit- ... https://kit.com/IgniteYourPurpose

We all need a cheerleader in life, someone who is always on our side, willing us to be better. I've had lots of people like this in my life and you'll hear some of those stories. But really this episode is all about beginning to make your own decisions and live your own life. When I was just a teenager I had a weekend in Wellington without my Mum & Dad. Could I make sensible decisions about what I'd eat, where I'd be, and what I'd do? Know boys that Mum & I want nothing but the best for you. Remember that others want the same, for you to have a great life. For you and your uniqueness to find your place in this world. More than that, God wants this, wants you to experience a rich, fulfilling, and exciting life. Listen to the Newboys and their song, Entertaining Angels and think about us cheering you on.

554. ODD NEWS STORIES (with Mum & Dad) Discussing some strange and funny news stories with my parents. Thanks to my Mum & Dad for their contribution to this episode. Transcripts and notes available. Episode page https://wp.me/p4IuUx-8u1  italki offer https://www.teacherluke.co.uk/talk Sign up for LEP Premium https://www.teacherluke.co.uk/premium 

On this weeks episode we talk about the Batman Arkham games and it's legacy, Netflix's Altered Carbon, Mum & Dad and our question of the week What is our favourite Nicolas Cage performance. You can visit our website at: http://thepancakeparlay.libsyn.com/ Also you can email us at anytime at: pancakeparlay@gmail.com

SRIRACHA! All Caps. We talk about David Tran, the brain behind the Huy Fong Foods brand. The condiments that made it to the International Space Station. Emily tells a weird story about getting milked poured all over her. (You're welcome Mum & Dad.) And, there is a giving of gifts!

I have just finished a grassroots interview with Niki Harre, a leading academic at Auckland University - involved in psychology and sustainable ecological solutions. During this interview, we talked about how she enjoys her immersion into evolving positive change with her local community at the Point Chevalier Transition Towns group, where she finds an active group of localised participators intent on walking their talk. Because, she sees that there is a movement happening - one without a capital ‘m’ but, it’s a fundamental movement all the same. For example, they have the following active sub-groups up and running: The Old Homestead Community Garden with the Dignan Street Community Garden Hub, and the Bulk Purchasing Group. Then there is our Resource Pool for community members who would like to borrow mulchers, hoes, juicers etc. They also have set up recycling for soft plastics at Pt Chevalier Primary School, Te Ra Road - to avoid this going into landfill - as well as a social calendar, that includes local areas in the larger community. However, as an academic at Auckland University it is in the strategies as well as the processes that are enacted that Niki finds fulfilling, because she sees that there is a stirring within localised community a movement of connection happening - one that involves the neighbours like as mentioned before yet, without a capital ‘m’ but, it’s a grassroots movement all the same. It’s when we act in our daily lives, whenever we’re doing things alone or are members of organisations following an evolutionary pathway that;  just as when cells come together in greater self organising numbers be it growing from clusters of cells and evolving organs to bodies right up to organisations, when we are involved be it politically or not - ‘at every single level - we are creating the world.’ Like every morning, we wake up we start creating the world  - such as how we get to work, how we interrelate with our colleagues, how we relate to our children - the party we vote for, wherever or not we go out and clean the local street - all of it, is part of creating the world. So Niki is wanting to know how, in our efforts do we - become more integrated as possible - from the depths of our heart as well as acting in the political realm even at a localised level - and how do we recognise the actions that are beneficial and those that are problematic - it’s a hard task but to Niki it’s the task of being an activist. And at a collective level, she considers the conversation we need to engage in - like what are we exactly endeavouring to do or create? That most people are recognising that ‘ecological and human flourishing’ are the twin pillars that go absolutely hand in hand - so the focus is really coming back to ask - how do people work and play together in the spirit of life? Then, when she asks herself what are the key critical features to this quest? They are - individual expressions which leads to diversity, which is giving of our best selves - giving of our peak essence and the other part is ‘community and cooperation.’ Just like when seeing a forest - it will have many, many species, and be very diverse at every level of biota, yet all those species will be living and doing in a form of co-operation, whilst all their different actions work towards having all the other species flourishing as well. Each species ‘having its niche’ and fitting in.   It’s all about relationship. Which leads her to explore the ‘Infinite and the Finite Games’ - as put together by philosopher James Carse. Life is comprised of at least two kinds of games. One is finite games, in which the object is to win and the other is infinite games in which the object is to keep the game in play. Finite games have boundaries, include only select players and have rules that must not change for the duration of the game. In contrast, infinite games have horizons that move as the player moves, welcome everyone into the game and the rules must change over time or the game will cease. In fact, when infinite players sense another player is about to lose, they attempt to change the rules to prevent this. Would you like to play? To look at things in another way: When parents bring children into the world, their babies are their treasures. Mum & Dad will do their utmost to make sure that their little ones are loved and cared for with totally, dedicated mindfulness. Yet, to fulfil these aspirations, in most cases they have found themselves as the proverbial ingredients in a sandwich - that to survive in our Neo Liberal economic game plan, certain sacrifices have to be made.  When seen in this context - the tragedy of our time isn’t just all the damage we are doing to each other and our planet, it is that we aren’t even having much fun doing so. We’ve become stuck, too busy winning to listen to our hearts and each other. Nevertheless, today we are witnessing new ways of doing and living that are now finally being articulated from that of a perceptive, psychological understanding. It is clearly showing us positive options that enhance relationships, pull the strands of community closer and enable us to strategize a way of resolving the challenges of survival. Most of all, it is empowering us to involve ourselves into a new paradigm of ecological sustainability, peace and goodwill, and that which we at heart - all aspire to. For it is now possible for us to change. The infinite game is right here, almost within our grasp, and everyone is invited. If you want to play the infinite game or learn more go to www.infinite-game.net. If you wish to listen into an ebullient an engaging conversation of emancipative possibilities and reinvigorating your life and your community -  this intelligent and encouraging discussion with Niki, may very well stimulate you to take another step further. To really let you know that within your community, there are many unique and exceptional people plus prospective friends expressing their virtues in a way that is making the world and that of our children a place where we can find happiness, security and connection. Have a listen as to how we can join the dots to a positive and fulfilling life.     https://www.youtube.com/watch?v=2zExibEV_PY. Niki Harre, is an associate Dean of Sustainability from Auckland University and has been involved in innovative ways to enable people to become engaged in the process of taking care of our common future, especially from the point of view of sustainability in an ecological context and in particular that which promotes human well being . However, as an Associate Professor in Psychology - she is also very much involved in firing up one’s imagination so to enable people to realise that we can be the change in the world that we want to see. That we can shape our world in a positive way - if we all work both individually and together in community for the betterment of the whole. Her book Psychology for a better world gives us insights and encouragement to become involved in our future, both on a local and a global level.  It can also be downloaded for free. https://www.psych.auckland.ac.nz/en/about/our-staff/academic-staff/niki-harre/psychologyforabetterworld.html.

Mum & Dad (2008) vs. The People Under The Stairs (1991) Double Murder: Tune in as Danny! and Tim review two horror movies each episode.Presented by Bloody-Disgusting.com

Lena, a young Polish immigrant working as a cleaner at an airport is invited to the family home of a co-worker, which turns sinister quickly as the family intend to 'adopt' her. Director: Steven Sheil Writer: Steven Sheil Stars: Perry Benson, Dido Miles, Olga Fedori See more » --- Send in a voice message: https://anchor.fm/gruesome-hertzogg/message Support this podcast: https://anchor.fm/gruesome-hertzogg/support

It's Easter, so Luke has travelled back to his Mum & Dad's house in the Warwickshire countryside. In this show, Luke talks to his Dad about Easter celebrations, rolling eggs down hills and the dangers of rabbits on the road. Luke also teaches some useful adverbs. Enjoy! FULL TRANSCRIPT AVAILABLE HERE http://teacherluke.wordpress.com/2009/04/14/episode-2-easter/