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Piercing the fog #Podcast - Some truths will persist… no matter what #Dad #GoodDay #BelovedChild #WhoKnew #Sketchbook #CantStopHoping #CrushedHopes #Giraffe #HeartPounding #OutOfTheBlue #NeverForget #DontFeelSad #LosingMyMind #Memories #GoodToMe #Drama #Couch #WaitPatiently #CantRemember #AmazingDiscovery #MakeTheMostOfIt #TearsOverflowed #FullOfLove #FullOfWonder #LoveYou #MySon #Lovingly #Happiness #Discovery. Music : @MarisVijay Studio Recording : @trinitywaves2487 @SliceOfLifeStories - Written and Narrated by Tehnaz Bahadurji For more story updates follow us @ Soundcloud : https://soundcloud.com/sliceoflifestories Spotify : https://open.spotify.com/show/2Gina4RpRz6u3Qn9uYIKOp iTunes :https://podcasts.apple.com/in/podcast/slice-of-life-stories/id1358225468?mt=2 Instagram : https://www.instagram.com/sliceoflifestories/?hl=en Facebook : https://www.facebook.com/sliceoflifestories/ Twitter : https://twitter.com/sliceoflife466 Subscribe and Stay Tuned !

Bayern Munich is set for a little down time as an international break looms, but there is a ton to talk about with the Bavarians. Why beat around the bush? Let's take a look at what's on tap for this week's episode of the Weekend Warm-up Podcast: Some programming notes. A preview Bayern Munich vs. Bayer Leverkusen. Why this international break is needed for Bayern Munich (as long as the boys can avoid injuries). Erling Haaland's monster performance in the Champions League and reminiscing about his meeting with Bayern Munich last spring. Joao Cancelo's time at Bayern Munich could be short-lived. A quick look at Bayern Munich's toughest potential matchups in the Champions League. Let's do it live! F*ck it! Bayern Munich should absolutely play a back three moving forward. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Bayern Munich is set for a little down time as an international break looms, but there is a ton to talk about with the Bavarians. Why beat around the bush? Let's take a look at what's on tap for this week's episode of the Weekend Warm-up Podcast: Some programming notes. A preview Bayern Munich vs. Bayer Leverkusen. Why this international break is needed for Bayern Munich (as long as the boys can avoid injuries). Erling Haaland's monster performance in the Champions League and reminiscing about his meeting with Bayern Munich last spring. Joao Cancelo's time at Bayern Munich could be short-lived. A quick look at Bayern Munich's toughest potential matchups in the Champions League. Let's do it live! F*ck it! Bayern Munich should absolutely play a back three moving forward. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Wishing You a Great 2023Others might begin the new year with resolutions, but we prefer excuses. Last year, we wrote only 42 editions. There was much to do in the remaining ten weeks. There was the Football World Cup, a few time-offs, a couple of vacations, and of course, a lapdog ate our laptops. If these honourable reasons weren't enough, we add another: we wrote a book!Our book Missing in Action: Why You Should Care About Public Policy will be published on 23 January 2023. Like this newsletter, it is a 'pop' public policy book in which we explain concepts through stories rooted in the Indian context. We couldn't have asked for a more helpful and encouraging team than our friends at Penguin India, who got us over the line and in time for a Republic Day release. The book is ready for pre-order now. You will have to excuse us for a bit of promotion that we will do over the next month or so on these pages. So what's the book about? At the heart of the book is our belief in the core objective of public policy. It should increase the welfare of the citizens. Like the verse from Bhagavad Gita goes:अनन्याश्चिन्तयन्तो मां ये जनाः पर्युपासते।तेषां नित्याभियुक्तानां योगक्षेमं वहाम्यहम्।।9.22।।That word - Yogakshema - to preserve the prosperity and welfare of citizens is what public policy should be about. We write this newsletter with the hope that it will, in its small way, move the needle on discourse. The book is a logical extension of this hope. Hope, as Andy Dufresne taught us, ‘is a good thing; maybe the best of things'. We are hopeful about the future of India, but not in a misguided nationalistic way. We believe we can make an impact, however small, on the demand side of the policy equation. That making people aware of policy choices and helping them anticipate the unintended will lead to a change in the supply side of politics. There are two preconditions for this to happen, which we assume hold true. One, people have time and mental space available for discussions that matter to their lives. Two, a belief we can arrive at what's good for us through those debates and discussions.In the book, we have taken the citizens as the point of reference and elaborated on their interactions with the state, the market and the society. Think of the book as a primer to understanding the fundamentals that underpin these interactions. We cover why we need a state or the markets, what is the role of society and how the three interplay among them. We go back to the foundational texts on political philosophy and economy in the book to explain the core concepts of public policy but in what we hope is an accessible fashion. We have tried to avoid jargon and approached all topics using first principles. Like the 16th century Bhakti poet, Nabha Dasa, who compiled the life of every saint from time immemorial in Bhaktamala, wrote:"Jaat na puchhie saadhu ki, poochh leejie gyan, mol karo kirpan ka, padi rahne do mian" ("Do not ask for the antecedents of a learned saint. Only seek their wisdom. The true worth is what's within us and not what you see from outside.")We have been ecumenical in our approach in this book.The other thing you might find interesting in the book is our focus on finding examples in the Indian context to illuminate a point or to make a case for our arguments. This will contextualise a lot of the discussions in the book to our immediate environment, and we hope it will make our reasoning clearer to our readers. Further, we have tried to keep ourselves free of dogma in the book. We have strong faith in markets, but we understand their limitations and the critical role of the state and society. We have been open to knowledge from all sources and have challenged our premises and priors before stating our point of view. Lastly, the tone of the book is conversational, and it is filled with some of our usual groan-inducing Bollywood references. Special thanks to all of you for reading us and engaging with us. Without your encouragement, we wouldn't have attempted a book. And now that we have said such good things go buy the book! Truth be told, we are a tad nervous about how the book will be received. We hope you will enjoy reading it and recommending it to others. Show it some love, friends and order it now. ThanksPranay & RSJIndia Policy Watch: How Did I Do On My Predictions For 2022?— RSJ Each year I start with a prediction post. But before I get down to my predictions for 2023 (which I will in the next edition), there's the unfinished business of how I fared on the predictions that I made in 2022. So, here's a look back at the year through the lens of my predictions at the start of the year.Economy - Prediction #1 This is what I wrote:“we will be in the 5-5.5 per cent growth range (if you take the base of FY 21). Inflation (CPI) will be around 5 per cent with an occasional jump to 6 per cent during the year despite threatening to go out of control. Maybe three interest rate hikes (a total of 75 bps) during the year will keep a lid on it. Public markets will moderate a bit (around 10 percent upside).... China won't attract it (foreign capital) as it will continue to go down the path of self-reliance and its notion of an equal society.”Result: No one could see the Ukraine war coming back when I made the predictions. Notwithstanding that, I think I got the growth and the inflation prediction in the ballpark. The war threw the interest hike prediction off totally. Instead of a 75 bps hike over the year, we got a 225 bps increase. I think, on balance, the Indian economy did quite well in 2022, given the headwinds. Domestic consumption was strong; we weathered the peaking of oil and commodity rates quite well, the twin balance sheet problem is now behind us, and by the end of the year, we saw private Capex growing. Not a bad state of affairs. I would have taken this happily at the start of the year. Overall, I'd give a 6/10 on this prediction.Economy - Prediction #2“There won't be much to write about reforms. Some attempts at piecemeal MSP reforms will be attempted to make up for the repealed farm laws. The National Monetisation Pipeline will get going but the progress will be modest. A couple of more disinvestment proposals of PSUs (including banks) will be taken up. But this will be for raising revenues rather than a planned strategy to make PSUs market competitive. The LIC IPO will just go over the line and that will be the big event to showcase reforms.”Result: Got that pretty much spot on. Maybe an 8/10.Politics - Prediction #1 & 2Here's what I wrote:“BJP election machine will continue its winning run barring the odd defeats in Punjab and Goa. The big prize, UP, will be fought hard but BJP will win a safe majority. The bahujan vote of the depleted BSP will shift to it more than to SP and that will make all the difference.”“There will be a split in the Congress. The party in its current form is untenable and beyond a point, there will be nothing to lose for those who split it. The key question is who will lead it - those who have a political base and think Congress leadership is a liability that cannot be carried along any further, or those without a political base but with strong ideological opposition to the BJP. My guess is it will be the latter. In any case, it won't make much of a difference.”Result: Punjab went the way I had guessed. Goa was close. Congress didn't split but it lost senior leaders like Capt. Amarinder Singh and Ghulam Nabi Azad among others. And despite the Bharat Jodo Yatra, which has only been in the news because people cannot believe Rahul Gandhi has sustained it for so long, I don't think Congress improved its election prospects dramatically this year.Society - Prediction #1“Expect love jihad and anti-conversion laws in various states, some kind of population control bill, a revival of CAA and a push for a uniform civil code during the year. There's that early 20th century Europe playbook of stoking demographic anxiety that plays on a threat to the survival of a civilisation or a way of living. The pitch will be queered on this. Indian society is a fertile ground for it. This land can be shown to its people as a palimpsest. But it can, perhaps more easily, be shown as a glorious, ancient civilisation that's been asphyxiated for centuries by ‘outsiders'. A true revival of it requires setting the past records straight and the right demographic arithmetic.”Result: Well, there was the usual noise around a lot of these issues but, thankfully, we had a somewhat muted year on legislating these. This didn't mean that the media mouthpieces and influential voices within and outside the government went slow on stirring the pot on these topics. We have reached a point where turning back on these issues will be difficult. It remains the one faultline that can derail our economic prospects that look surprisingly good at this moment. I will give myself a 7/10 as much as I want to score a zero here.   Society - Prediction #2“Politics is driven by the idea of having an enemy; the other. For much of the last decade, this was the left-liberal cabal (Lutyens, Khan market, NYT, Soros, Amnesty etc). Even when much of news and propaganda came to be dominated by the right-wing, there was a strawman of this all-powerful cabal of anti-nationals that was kept alive because the notion of an enemy is critical. But once you have decimated it, what do you do? You look for the enemy within.”Result: I will be the first to admit that I am still amazed at how this prediction isn't yet true. There are still imaginary left cabals to be fought against. It is a measure of both the enterprise of the propaganda machinery and the gullibility of ordinary voters that we are still drinking up all the kool-aid that we are being served on how anti-India interests are still the ‘establishment' in India and globally. There's still a long way to go before finding the enemy within your camp to fight. I will give a 5/10 on this. Miscellaneous - Prediction #1“There will be serious big tech regulations that will come into play in America. Others will follow suit. India will have a version of this along with dollops of atmanirbharta. This will mean some tough days for big consumer tech giants in India.”Result: Some big tech regulations have come into play in the US, and the collapse of FTX will lead to further clamping down. India came down heavily on Chinese apps and made life difficult for consumer-facing tech giants like Amazon, Meta and Alphabet. I expect this to continue. I guess a 7/10 on here will be about right. Miscellaneous - Prediction #2“China will struggle for growth. Demographics, debt and delusion have come together in China in a way that will make it difficult for it to sustain growth. China-Russia relationship will get stronger with their support for each other and for other authoritarian regimes around the world.”Result: Even without the Ukraine war, I thought this was how it was going to play out. It only became stronger with the war. I think I got a 9/10 there. Miscellaneous - Prediction #3“Meta, Crypto, Decentralisation, NFT (and everything else pumped up by the Valley tech bros) will see their hype abate (about 25-30 percent drop in asset value). When John Terry starts buying Bored Ape NFTs, you know the whole thing has jumped the shark. About time too.”Result: I should have followed my gut more and doubled down on this last year. I could sense a big correction, and a large-ish collapse was in the offing in this space. But I stopped short of calling a mini meltdown in this space. But that's how it turned out by the end of the year. An 8/10 here.So, there we are with how I fared on last year's predictions. I will come back next week with a few specific and somewhat contrarian predictions for 2023. Not(PolicyWTF): Making Education ProfitableThis section looks at surprisingly sane policies- Pranay KotasthaneThe University Grants Commission (UGC) released draft regulations earlier this week, permitting foreign universities to set up Indian campuses. While the draft needs some much-needed improvements, this reform is in the right direction. For the moment, keep the programmatic part of the policy aside. It's the politics of this move that caught my attention.Ritika Chopra in the Indian Express reminds us that the first such attempt was made in 1995. Another one in 2005-06 never made it past the cabinet. Then in 2010, the UPA government brought in another bill. The Foreign Educational Institutions (Regulation of Entry and Operations) Bill, 2010 was introduced in the Lok Sabha, a Standing Committee gave some suggestions, the government sat on it for three years, and it was tabled again in 2013. By 2014, the UPA was voted out, and the bill lapsed.It's interesting to observe how the Overton Window has changed on this issue. The 2010 bill was far less radical than the draft UGC regulations being proposed now. That bill disallowed foreign universities from repatriating any money abroad, it mandated that interested entities have a corpus fund of at least Rs 50 crores, and it allowed only entities that had operated for at least 20 years. Despite these unreasonable restrictions, the Left and the BJP still found the bill too permissive and buried it. The Left had a far greater influence on the matter as it was a part of the ruling coalition. I went back to check the best form of arguments put forward by the Left. True to form, they argued that this bill would encourage “commercialisation” of education. The CPM said it would open the ‘floodgates for weakening and dismantling the public education system in higher education. And India could be atmanirbhar in developing a higher education system; we need no help from anyone. Shouldn't we reflect on how much this ideological opposition cost us? What was the number of people who went ahead to get quality education in other countries, including in risky countries like Ukraine and Kazakhstan? Blocking foreign educational institutes for equity reasons is akin to banning people from eating Sushi just because India still has a large poor population. Forget the fact that a former General Secretary of the CPM is himself an alumnus of a British university. The BJP's objection predictably was that the courses offered could ‘adversely affect the sovereignty and integrity of India'. That insecurity hasn't subsided, and the new draft regulations have an explicit clause forbidding such courses. We can interpret the new draft regulations as an example of the Overton Window stretching on this issue. On some counts, it has extended the boundaries of freedom by allowing people to have more options within India while allowing foreign universities to repatriate money back home. It's a hesitant acknowledgement that profit-making in education is not bad. On the other hand, the Window has also stretched toward “lesser freedom” with clauses banning certain types of courses, effectively implying that non-controversial “technology” universities might receive preference over liberal arts universities. Real-life policymaking is often a search for the second-best option. So I'll take the door left ajar, rather than it remaining closed altogether.HomeWorkReading and listening recommendations on public policy matters* [Podcast] Some predictions for 2023 by the Puliyabaazi team* [Book] Optimally Irrational: Good Reasons Why We Behave The Way We Do is promising.* [Article] Many editions ago, we wrote about the EU ban on chargers, warning that it could come to India as well. That ban is here though, and we again reiterate why it is counterproductive. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit publicpolicy.substack.com

It is time for our annual radio buyer's guide. In the past few years, I have offered a list of scanners that I would recommend.  However, since there haven't been any new releases in the scanner radio world in the last few years, I do not want to repeat the same information that I gave you last year. Instead, I'm going to give you my recommendation for Software Defined Radios. This list will include what to stay away from, and what radios I recommend from beginners to advanced SDR users.   Why cover Software Defined Radios?  Because I believe that the future of scanner radios will somehow be part of the software-defined radio hobby.   Links for today's Podcast: (Some of these links are affiliate links and Scanner School will earn a small commission if you make a purchase using these links) Scanner School Podcast 101 Scanner School Podcast 152 Nooelec RTL-SDR SDR only SDR with Antennas RTL-SDR Blog v3 SDR Airspy HackRF SDRplay HackRF Portapack – Possible Clones?   What You Need To Know Avoid blister pack SDR that normally include an antenna and remote control. These radios can be identified by their rounded edges You want a SDR that includes a TCXO A TXCO will help stabilize your SDR Airspy Devices are a great upgrade to entry level SDRs SDRPlay makes excellent high end Software Defined Radios We have a great list of SDR accessories in today's podcast   ====================================

Let's talk about some Baofeng Options. Our objective is to find a radio that has the same price point that many Baofeng models come in at, but are better value for the money. We will be looking at some handheld radios that are less than $100 that might be worth investing in.   Links for today's Podcast: (Some of these links are affiliate links and Scanner School will earn a small commission if you make a purchase using these links) Amazon Baofeng UV-5R Baofeng UV-82 Whistler WS-1010 Amazon Scannermaster Uniden SR30C Amazon Scannermaster TYT TY-UV88 Radio Oddity GM-30 Yaesu FT-4XR Yaesu FT-65R   What You Need to Know UV-5R is a $35 radio all day every day basically on Amazon We will compare the UV-5R with the Baofeng UV-82 Whistler's Entry Level Scanner will be our Scanner Radio Baseline Uniden's SR30C is over our $100 Budget for Today's Exercise TYT's TH-UV88 is a great alternative to the UV-5R RADIODDITY' GM-30 GMRS Radio is about the same price with more memory We might be surprised at what we can find for less than $100 on the Amateur Radio Market.   ====================================

PODCAST | Some new discussion on Afghanistan | Ep # 214 (Urdu)

PODCAST | Some discussion on Pakistan | Ep # 215 (Urdu)

5 Ways to Monetize a Podcast About Anne Claessen After graduating from law school and getting two master's degrees, Anne discovered she wasn't going to be fulfilled working in the corporate world. She took time to travel and explore her options. While doing so, she discovered podcasting and decided to start her own business as a podcast manager. Anne realized pretty quickly that she wasn't the best podcast manager, it wasn't her dream job or zone of genius, but quickly realized how to monetize a podcast. Helping others do the same became her mission. Anne now empowers other podcasters to monetize their podcast even without thousands of followers. She is using her degree in strategy to help podcasters map out strategies to monetize podcasts and find profitable business models for their podcast. Anne helps her clients come up with a strategy and helps them implement it. 5 Ways to Monetize a Podcast There are five ways to monetize a podcast. The most common way is sponsorships. But sponsorships aren't the most profitable way to monetize a podcast. Affiliate links are the second way to monetize a podcast. You can add affiliate links in your show notes as well as in blog posts about the show. An affiliate link is when you like a product and get an affiliate think and when someone purchases the product you receive a commission. The third way to monetize a podcast is through creating a membership. This can create a community feel for your listeners. Donations are yet another way people monetize a podcast. Lastly, you can sell your own products and services to monetize your podcast. Audience Size to Monetize a Podcast Anne believes that you do not need a large audience to monetize a podcast. Most people think you need a large following because of sponsorships. On average a sponsor pays $25 per 1,000 downloads. For sponsorships to be lucrative, you do need a relatively large following. This can be a lot of effort for little money if you don't have a large following. It is also possible to negotiate a deal with a sponsor and the sponsor pays a set amount for a short ad per episode the ad is run. Depending on the sponsor, you may not need a large following to negotiate a decent deal and this may be more lucrative than a per download agreement. Selling your own product or service is more profitable than sponsorships. If you get more clients, you are going to make more than $25 and this is possible with simply publishing an episode vs. having so many followers and negotiating contracts with sponsors. Values Must Align When You Monetize a Podcast It's important to ensure that your values are aligned when working with sponsors. It can be a challenge, and you have to be particular with who you bring on as a sponsor. If a sponsor doesn't align with your values, it will cause confusion with your audience. If you have multiple sponsors within a single episode, it will turn people off. The ads simply become noise and put off your audience. Before you try to monetize a podcast, think about your audience and what will benefit them. You can also monetize a podcast with affiliate links for products and services you use. If you like the product and service, then it aligns with your business and podcast but will also benefit your audience. A win-win. The Expense to Monetize a Podcast Another consideration is the need for a contract when working with sponsors. This could result in an additional expense to have an attorney create the contract for you. There is definitely more work and expense related to sponsorships than with promoting your own business. Using Affiliate Links to Monetize a Podcast When using affiliate links to monetize a podcast, you can offer something that you know your audience will benefit from and help them on their business journey. The goal of your podcast is to build trust with your audience. If you are sharing tools that you love and have worked for your business, they are likely to purchase them because they trust you. The reverse is also true. If you promote things that do not align with your business just for the sake of making money as an affiliate, you can lose the trust of your audience. Using a Membership to Monetize a Podcast Step number one is to ask your audience what they want and how you can serve them. If your audience wants to connect with you more, offer a membership where you meet with them once a month for a question-and-answer session. You could also offer a membership that includes more content for those who subscribe. A common tool to use to create this option is Patreon. They suggest doing three tiers. Tier One, less expensive – members are here to support you as a podcaster Tier Two, more expensive – members receive more content Tier three, more expensive – something extra like a new masterclass about a podcast topic every month. The key is to poll your audience and see what they want. Using Donations to Monetize a Podcast Some podcasters have success with this by using “Buy Me a Coffee”. There is something tangible. The podcaster can buy themself something, versus, just getting money. Anne and Robyn agree that asking for donations is a little uncomfortable and it's best to actually provide something to your audience than ask for a donation. Selling Your Own Products and Services to Monetize a Podcast To promote your own products and services you can create an ad specifically for your business. There are three options for ad placement. The first is in the intro.  The second is a mid-roll ad, take a quick break and then go back to the episode, and the third is at the end of episodes. Anne suggests to her clients to do all three but keep it short and to the point. Don't go too deep into a promotion at the beginning because people are there to learn, and you haven't given them anything yet. Especially if you are new to podcasting, be sure to keep the ad short.  If you do an ad in the intro, keep it super short, maybe two sentences. In mid-roll, you can have a little bit longer ad because you've already given the audience something. If you are doing an interview, you can create a cliffhanger. Ask a question, then take a quick break, and since the audience wants to know the answer to the question you asked, they'll hang around to listen to the answer. Keep it to less than two minutes, less than 5 minutes. If doing an outro, you want to have a call to action to the mid-roll ad. You can say “hey, remember when I talked about my service, here is the link where you can learn more or book a call”. Tip For Podcasting Commit. It is very overwhelming and a lot of work. Pod-fade is real. People start with a lot of energy and then feel overwhelmed and quit. Create a backlog of episodes so that you have some time before you have to record episodes. Don't put too much importance on download numbers. Download numbers don't say a lot. You can have a very profitable podcast with a few downloads and a non-profitable podcast with a lot of downloads. Make a commitment so that you can enjoy the process and don't worry about numbers before trying to monetize a podcast.  Think about monetization before you think it's possible because it possible to monetize a podcast from the first episode. Learn More About Your Host, Robyn Graham, Click HERE. To learn about The Brand Marketing Insider by Robyn Graham, click HERE. Join the Female Entrepreneur Insider Facebook Group HERE. Book a Brand Marketing Strategy Session HERE. Ask Me Anything HERE. Connect with me, Robyn Graham: Website | Instagram | LinkedIn | Facebook | Twitter | YouTube | Pinterest Learn more and connect with Anne: Ebook: https://www.thepodcastbabes.com/ebook-5-ways-to-monetize-your-podcast Website: https://www.thepodcastbabes.com/ Podcast: The Podcast Babes Instagram: https://www.instagram.com/thepodcastbabes/ LinkedIn: https://www.linkedin.com/in/anne-claessen-msc-llm-3ba175b9/ Pinterest: https://pinterest.com/thepodcastbabes/ Facebook: https://www.facebook.com/thepodcastbabes

A few good food habits to crowd out your bad ones. The post Podcast: Some food habits that will help you out appeared first on A Life of Productivity.

Why is substance abuse important for you to know? How will it help you better serve your clients? This is part 4 of the  five-part discussion about why substance use is absolutely our business and why we all need to know how to assess and treat substance use in our mental health clients.  In this Podcast: Some people aren’t sure substance abuse is our business. I maintain that it is completely our business.  It’s been overlooked, but I don’t think it's been on purpose. Relationships are the key and foundation of what we do and a huge part of why people get better. Transferring someone can damage your relationship with them and keep them from moving forward. You don’t have to transfer your clients who use substances. You can treat them yourselves.  Your clients want you to be competent to handle their use.  Copyright Betsy Byler 2020

PODCAST | Some thoughts on 9/11 and the Muslim victimhood narrative | Ep # 103

The content of today's show has been designed by you, because we're going to answer your finance questions.  Today's conversation with Dan Gold will be helpful for both beginning and experienced property investors.  I've also thrown in my own question, and I think you'll enjoy hearing the answer: - Is it really true that you can get a finance approval in as little as two days?  You'll find out today. Some of the questions we discuss today: Will buying higher-yielding properties in regional Australia increase borrowing capacity? And will that allow the buyer to purchase more properties? In the current lending environment, high-yielding residential properties do not have a material impact on borrowing capacity. What factors are important to look at other than interest rates when looking for a loan for an investment property? Focus on finding a lender that can actually meet your requirements and objectives and be selective with the person or bank that's going to be taking you through the process. Are interest-only loans back? For the right borrower, interest-only loans never really went away.  How do you release the equity from your property portfolio? Do a review of your property portfolio to get a sense of how much equity you have. The banks will allow you to borrow up to 80% against any one asset, so if you're only leveraged up to 50%, you may be able to release that remaining 30% to fund deposit and purchase costs on your next property.  Can you get a loan approved in a couple of days? There are lenders in the current marketplace that can turn loan applications around quickly. To get a loan approved quickly, you need to: Deal with a bank that's capable of doing fast loans Make sure that you have 100% of your required documentation upfront Discuss any areas of complexity up front before starting your application Links and Resources: Michael Yardney Why not speak with the team at Metropole Property Strategists and get their independent property advice -click here Get more details about Michael Yardney's Property Renovations and Development workshop Dan Gold – Long Property Read the full show notes at our web page: All your finance questions answered Podcast Some of our favourite quotes from the show: “In my mind, residential real estate's a high growth, relatively lower-yield investment.” – Michael Yardney “While interest rates are interesting, they're probably not the most important factor at all.” – Michael Yardney “People sort of forget that that's their asset that they can borrow against, so yes, see what your loan-to-value ratios are, also see are your current loans appropriate for today's marketplace and can you maybe save a little bit in interest by just asking.”— Michael Yardney  PLEASE LEAVE US A REVIEW Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

This podcast is about more success in your life, whether it's success in property investment, money, or any other area of your life.  We can learn from other people's success, but we can also learn from their failures, and today we're going to learn about some famous last words. Ahmad Imam and I are going to chat about what people were thinking about when they made those blunders, and you'll learn about what not to do so that you can be more successful.  I'm also going to chat with property researcher John Lindeman and talk about some property “pumping and dumping” schemes you should watch out for.   Some famous last words all property investors need to know  “My financial planner called, and he said he has a special opportunity.” – The main reason they have a special opportunity is that they stand to make a commission on it.  “I thought I was getting guaranteed high returns.” – Project marketers don't need to be licensed, so there's no regulation or restriction on what these marketers can promise, and not much you can do if they don't come through.  “I want to get in now before I miss more of the upside.” – You shouldn't allow emotion to drive you, because that creates booms, downturns, and busts.  “We've come up with a new way to mitigate risks.” – The biggest risk lies with the investor, and you can only mitigate that with time, knowledge, and a good team.  “Well, it looked like easy money” – There's no real easy money. If it feels easy now, it's probably going to be harder in the end.  “There's very little downside risk.” – owning the sort of properties that don't fluctuate much in value is the best way to minimize risk.  “Analysts are predicting high growth for years to come.” – The problem with this is that most property forecasts are wrong.  “How can you argue with a booming area that's been growing for 10 years?” – all markets move in cycles. An area that's been booming for 10 years is an area that's 10 years closer to the end of its boom.  “There's too much uncertainty in the world to be investing right now.” – If you wait for everything to be perfect, you'll be waiting forever, and in the meantime, you'll miss out on opportunities.  “I'm going to wait on the sidelines until there's more clarity.” – This is a good way to miss the best opportunities.  “My brother-in-law has made a killing in this suburb. It's time I jump in.” – Taking risks that you don't understand based on the advice of well-meaning but poor advice can go very wrong. Be careful who you listen to.  “It's different this time.” -- Risk will never be eliminated, growth will never be limitless, and markets are never fully efficient. When it comes to big, basic principles of investing, it's never different this time.  Watch out for property pumping and dumping schemes   Faced with the prospect of little price growth on the horizon, property investors are starting to see innovative get rich quick schemes being promoted which offer huge returns. It has always been true that if the property market can't generate a return for investors from market driven growth, then investors can make some growth themselves.  We have traditionally done this by improving the value of our investments through cosmetic or structural renovation or even developments. But some new investment alternatives have recently emerged, bringing us glitzy promises of high returns from property investment without the need to outlay any significant cash up front.  The risk seems low, the opportunity to participate is high and many of us are sucked in, usually at free so called “investment” seminars. One clever land banking scheme offers you an easy way to get into the property market with one low upfront cost and the promise of eventual riches. The promoter sells you an option to buy land which is slated for future development, showing you the concept plan and glossy “artist's impressions” of the finished project. All it takes is one affordable fee and no repayments. Then years later, when the land is subdivided, you can exercise your option and sell at a huge profit. You can even participate in the property market without any upfront cost at all, by searching for and finding property owners who are willing to enter into an options agreement with your mentor. Your mentor signs and pays for the agreement, which gives them the option of buying the property at an agreed price and future time from the current owner. Then by agreement with your mentor, you will be handed a percentage of the profit. There are also adverse possession schemes using what is known as “squatters rights” where you search for and find long vacant or abandoned properties for your mentor who then improves and rents them out, taking title to the property when the legal waiting period has expired. By agreement with your mentor, you will then split the profit from the sale of the property. These sorts of schemes pump you full of confidence and then dump you when they fail. For example, if the land banking property is never developed, or the option for a property you have found is never exercised by your mentor, you receive nothing. Similarly, if the owner of a property which is in the process of adverse possession suddenly turns up before your mentor can legally claim title, you end up with nothing. You can avoid getting pumped and then dumped by sticking to tested and proven property investment strategies which offer worthwhile rewards and incur risks which are manageable. Links and Resources: Join Michael and his team at the 2019 Property Renovations and Development Workshop – click here for details and reserve your place Michael Yardney Metropole Property Strategists Ahmad Imam - Metropole Properties Sydney John Lindeman -  Lindeman Reports  Read the full show notes plus more here:  [Podcast] Some famous last words all property investors need to know | Watch out for property pumping and dumping schemes Some of our favourite quotes from the show:  “Make calculated decisions, have a system to make your investment boring, have a strategy to make your investment boring, so the rest of your life's exciting.” – Michael Yardney  “Rather than look for what's working now or what will work in the short term, you know our strategy's always been to look at what's always worked because that way you're less likely to get churned and burned.” – Michael Yardney  “The ability to wait to buy something after you've saved for the item, rather than impulsively purchasing something as soon as you realize you want it, now that is what I call delayed gratification.” – Michael Yardney  PLEASE LEAVE US A REVIEW Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how

Many commentators are worried that the current crisis in consumer confidence will impact economic growth. They suggest that the negative wealth effect of falling house values could lead to a cut in consumer spending and that this plus the collapse in construction activity (one of our biggest employers) at a time of overseas economic headwinds could combine to create the perfect storm which could lead to Australia into recession. In his first public speech for 2019 Reserve Bank Governor Philip Lowe highlighted the issues that are likely to shape the future. Lowe also believes the current slump in our property markets is "manageable" but conceded that now it's just as likely that the next move in interest rates is down as it is likely that we'll have a rise in rates. For what it's worth I think interest rates will be cut twice this year bringing the rate down to one percent. 6 Reasons we're not going into recession Here are 6 reasons given by Governor Lowe as to why we're not going to have a recession: Despite the various political issues and the trade wars creating some downside risks, the world economy and the economies of our trading partners are performing well. Australia's economic growth is forecast by the RBA to be around 3% over 2019 and 2.75% over 2020. This should be enough to see further gradual progress in lowering unemployment. 3. We're creating more jobs. Last year: 212,000 full-time jobs created last year 51,000 part-time jobs created last year Unemployment is falling - at 5% it is now the lowest it has been since 2011 In NSW and Victoria (our two economic powerhouses) unemployment is around 4.25% With the number of job vacancies at a record high, unemployment is forecast to drop further to 4.75% over the next few years. There are finally signs of wages growth ahead A gradual pickup in underlying inflation is forecast as spare capacity in the economy diminishes. Underlying inflation is now expected to increase to about 2 percent later this year and to reach 2¼ percent by the end of 2020. Now I'm not an economist but I see plenty of other positive signs amongst all the pessimism in the media. These include: The next Federal Budget is likely to deliver a surplus for the first time in years. Our population is growing strongly – albeit a little slower than before Australia's population grew by 390,500 people or 1.6% during the year ended 30 June 2018. Natural increase and Net Overseas Migration contributed 39.4% and 60.6% respectively to total population growth for the year ended 30 June 2018 Infrastructure boost - We have a very strong infrastructure investment pipeline mainly coming from State Governments. The next Federal Budget is likely to deliver a surplus for the first time in years. Australia's population grew by 390,500 people or 1.6% during the year ended 30 June 2018. Natural increase and Net Overseas Migration contributed 39.4% and 60.6% respectively to total population growth for the year ended 30 June 2018. The Australia dollar is likely to stay low for some time yet and this is good for our export industries. Our Mining Sector is on the improve assisted by our falling Australian Dollar and increasing mineral prices. This means the big economic drag we have seen from the downturn of the mining sector over the last five years or so from falling mining investment is starting to fade. The Agricultural Sector on the improve – and if we play our cards right we could become the Asian food bowl. Tourism is booming International student education is continuing to be a huge “export industry” for us - up 17% last year. Our Housing markets And while clearly not all the news is good for our housing markets there are clearly some positives that the media tends to overlook. Interest rates are low and are likely to fall further this year as the RBA tries to stimulate our markets. The good news is the RBA has plenty of ammunition up its sleeve but there is always the question of whether banks will pass on interest rate cuts to their customers, and whether they will loosen their tight lending criteria. Residential vacancy rates are tightening Rents are likely to rise The underlying demand for property is still strong but hindered by consumer sentiment and tight credit. There is clearly an oversupply of new apartments in many locations, but the pipeline is slowing down. The big unknown Clearly, we have a mixed bag of economic fundamentals that will interplay on our economy and our housing markets. While these are relatively easy to quantify, the big unknown will be consumer sentiment and currently, that is low and unlikely to change until the outcome of the federal election is known. Having said that, those investors who take a long-term view and recognise that all economic downturns are temporary, while the increase in the value of well-located residential properties in our capital cities is permanent, will be able to take advantage of the property investment opportunities the current buyer's market is delivering us. Links and Resources: Michael Yardney Metropole Property Strategists National Property and Economic Market Update 1 day Trainings   use the coupon code: PODCAST Some of our favourite quotes from the show:  ”The housing markets don't work in isolation, similarly, the Australian economy doesn't work in isolation.” – Michael Yardney “If you're in the financial position and it fits in with your long-term strategy, it definitely is worth considering getting into the market now, because underlying demand is going to pick up between now and when the election occurs.” –Michael Yardney “You need an area that's going to have current and future levels of multiple growth drivers, and population growth and economic growth.” –Michael Yardney PLEASE LEAVE US A REVIEW  Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how.

To be successful in the current more challenging property markets, you not only need to know what to do, but just as importantly you need to know what not to do. As I see it there will be plenty of challenges and risks in the real estate markets this year and the value of certain properties will be a little lower by the end of the year. But we're experiencing a necessary market adjustment and without it we'd be in for the kind of crash we really didn't want. So in today's show, we're going to talk about what not to do in property in 2019. I also have a bit of a controversial mindset moment to share with you. And I'll chat with Ahmed Imam about the questions you should ask an agent before you make an offer so you understand how to take advantage of this buyer's market. Here's What Not to Do In Property in 2019 Don't wait too long to get started Don't let fear stop you Don't wait until you know everything. You'll learn more as you move forward, and you'll learn from your mistakes and challenges. Don't focus on linear income, focus on recurring passive income Don't be impatient – wealth is the transfer of money from the impatient to the patient Making an offer on a property – what price should you offer? Here are 5 questions to ask the agent before you make your offer:   How did the vendor come to the asking price for their home? Was it from the agent's suggestion or because that's how much they need to buy their next dream home? Some sellers are unrealistic and unlikely to come down from their asking price if they have to get a certain amount for a particular reason. Have there been any other offers made? This lets you know if you have any competition and how serious the vendor is about selling their home for a reasonable price. How long has the home been on the market? If it's just been put up for sale, the seller may not be anxious to accept the first offer. If the home has been on the market for several months, it's more likely the seller would be ready to accept your offer. Why is the vendor selling? Are they going through a divorce? Do they have to move interstate urgently? Have they already bought another home that would put them under pressure to sell their current home? This will let you know how motivated the seller is. Has the asking price been reduced during the time the property has been on the market? This will tell you whether the seller is really keen to offload their home and also let you know that you might have a motivated seller on your hands and perhaps greater bargaining power. Links and Resources: Michael Yardney Metropole Property Strategists Ahmad Imam – Director Metropole Sydney National Property and Economic Market Update 1 day Trainings   use the coupon code: PODCAST Some of our favourite quotes from the show: ”I think it's worth remembering that owner occupiers create property markets. If you think about it, 70% of properties are owned by homeowners. On the other hand, investors create the booms.” –Michael Yardney “The truth may hurt, but the world doesn't owe you anything.” – Michael Yardney “Confidence and trust are earned by you, not owed to you.” – Michael Yardney Please leave us a review Reviews are hugely important to me because they help new people discover this podcast. If you enjoyed listening to this episode, please leave a review on iTunes - it's your way of passing the message forward to others and saying thank you to me. Here's how.

[PODCAST] Some of you are thirsty and don't even know it. Many Christians go to church and leave thirsty. But how can this be, when Jesus said we will never thirst again? You won't hear this message in church - lets draw from the water and eat of the solid food. See how Moses' life teaches us about what Jesus said to the woman at the well, and solves the mystery of never going thirsty again. Torah Portion: Shemot / Names (Exodus 1-6:1) Rise on Fire is a ministry assigned to ignite a fire of Spirit & Truth around the world. God is calling us back to the walk of Yeshua with no more excuses. We are free from the traditions of men, led by the Truth and empowered by the Spirit.

Podcast: Some of the best ways to trade in the current market conditionsIn this video: 00:29 – Trading the current market conditions and my 8th Birthday Sale 00:48 – The current market conditions right now 01:55 – Go to the shorter time frame charts for setups 02:50 – Trades from my live webinar make profit of +0.6% gain 03:33 – Bigger picture in line with the trade 04:32 – Trade a mix of time frame charts and learn to adapt 05:25 – My 8th Birthday sale starts soon 06:25 – Not many others have lasted for 8 years 07:35 – Register your interest to ensure you don’t miss outLet's talk about some of the best ways of trading the Forex market in the current market conditions. That and more, right now.Hello Forex Traders, it's Andrew Mitchem here, the Forex Trading Coach. This is video and podcast number 223.Trading the current market conditions and my 8th Birthday SaleTwo important topics today. Number one, I want to talk about the market conditions right now. What's the best way of trading. I've got some great examples to share with you and also after that, I would like to share with you information about my upcoming eighth birthday sale, an absolute amazing way for you to jump on board and join a huge global group of Forex Traders, and successful Forex Traders. More about that, shortly.The current market conditions right nowFirst of all, the market conditions right now. Well, with Easter now out of the way, the market is sort of getting back to a few more, what you would call, normal market conditions. But also, we've seen a few issues that have made the markets on certain timeframes quite tricky. We had the snap British election date announcement, just about a week or so ago. The beginning of this week, we had the massive gap up on most, or especially the Euro and Yen currency pays largely related around the French election news. That's actually made the market on certain timeframes and the daily charts, in particular, are quite difficult because there's been a lot of gaps up.When you get that, you'll likely to see one or two scenarios. You are either likely to see a retracement and then it goes again or you might see no retracement and it just keeps going. And of course in real time, it's hard to know which of those two scenarios you're gonna see.Go to the shorter time frame charts for setupsBut what I've found, is a really good way of trading the conditions in the market right now, is to go to slightly shorter timeframe charts. I've had tremendous success this week on six hour charts. Now most MT4 traders can't trade six hour charts, unfortunately. I've got some great software that I've had developed that I share with my clients that allows us to trade off-line charts. Charts like six hour charts, eight hour charts, twelve hour charts, et cetera. But the six hour chart trades, and I shared it with my clients on my live webinar just yesterday, just some tremendous results. High reward to risk. Just need to look at your charts maybe two, three times a day if you can. Just some great trading opportunities.So, if you don't have that piece of software, what you can do is look at charts such as the four hour charts and also they have had some fairly good trading opportunities. Now yesterday on my live webinar, I took one four hour chart or actually I took three.Trades from my live webinar make profit of +0.6% gainOne failed to get filled by just a fraction of a pip. Really annoying because it was a great trade. Another one missed that being filled by about three pips, but the one that did get filled, absolute perfect entry. Perfect exit and made a two point two to one reward to risk trade.I also took a trade live in front of clients on a one hour chart that lost.

We've Got A Gnarly Set OF Bands & A Local Valley Hiphop Artist To Shoot Up The First Line Up For The Future OF Underground Music Podcast || Excited To Share This Project That I've talked about for months has come || After years & years of audio mixing I never thought I'd be doing this or even uploading a Podcast || Some what of a dream to become a Radio DJ so in that I decided to make my own podcast exposing underground music & not just one style of music though instead to expose everything from Hiphop-Hardcore Death Metal || It's Gonna Be Interesting Where This Goes & I Cant Wait Fathers Lungs Social Media Bandcamp // https://fatherslungs.bandcamp.com/ Facebook // https://www.facebook.com/Fatherslungs/ Kitsune Social Media Bandcamp // https://kitsuneband.bandcamp.com/ Twitter // https://twitter.com/_kitsuneband Facebook // https://www.facebook.com/kitsuneband/?fref=ts Instagram // instagram.com/_kitsuneband BRAINiac Social Media Bandcamp // https://thamaniac.bandcamp.com/ Facebook //https://www.facebook.com/brainytape/?fref=ts Toner Social Media Bandcamp // https://tonerca.bandcamp.com/ Twitter // https://twitter.com/toner_ca Facebook // https://www.facebook.com/tonerca/?fref=ts Host OF The Show 4lienmatt Social Media 4lienmatt.tumblr.com 4lienmattirl.tumblr.com instagram.com/4lienmatt instagram.com/4lienapparel twitter.com/4lienmatt soundcloud.com/4lienmatt Snapchat: 4lienmatt Vine: 4lienmatt

The geeks gather this week to chat about Movie Trailers The Loft, Hot Tub Time Machine 2, and Entourage. We "Geek Out" about the Podcast Serial and whether it can even be called a "PODCAST"? Some strong feelings are emoted in this here episode. "What is a Podcast to you exactly"? Twitter users share your thoughts with us by using #7Serial We also discuss The Rock and his eating habits, Mark Wahlberg becomes a great actor. The Next Star Wars film may have just cast it's first Breaking Bad actor and Star Trek fires it's writer and director to get Fast and Furious with it's third film! 

Should I Start a Podcast? Some people wonder, “Should I start a podcast?” and they wonder if they have the material. I am always amazed at the number of people who give away a free newsletter, but don’t turn that exact same material, record it as audio, and turn it into a podcast? As most of you know I recently got married and have three wonderful step-children. As I have never had children before I decided to read up on the subject and was advised to read “The Successful Stepfamily” by Ron Deal. So far I am very impressed with the book, and may actually lead a study of the subject at my church next year. I went to his website at successfulstepfamily.com and was surprised that while Ron had books, he was a speaker at conferences, he offered personal coaching, he did not have a podcast. Was it that he didn’t need the publicity? I typed “Stepfamily resources” into Google and did not find him on the first, second, or third page (so I stopped looking). While podcasting will not boost your Google rankings, it will boost your exposure to people who may link to your website which may boost your Google ranking. I contacted his company, and after some thought they decided not to go in that direction. What a shame they have great content. If you have a newsletter, and you have content that is worth people reading, that should be a podast. All you do is read the newsletter into a microphone (be sure to add some inflection so it doesn’t sound like you’re reading), write a quick blog post, upload and attach the audio to the post. Yes, it’s that easy. How much does it cost to start a Podcast? Most of my recommendations at www.schoolofpodcasting.com/equipment but if it’s just you recording its going to cost around $250. If you’re on a tight budget, about $125 to start, and an ongoing fee of $5-12 a month.  Meanwhile a membership at aweber.com (a popular email client) is about $200 a year. Why people think e-mail is better? The nice thing about email is you can get your reader one click away from buying your product (if your email promotes a product). The bad news about email is people get so much email. I can’t remember the last time I purchased something from an email. Don’t get me wrong, email is still the top way to communicate for a business. I just know more and more I’m going to my inbox, highlighting a number of emails, and pressing delete (before I even read them). But that’s just me.  In terms of getting your potential customer 1 click away, email does that splendidly. Give Your Content in the Format That People Want Movies are delivered on the big screen, then movies on TV, then VHS, DVD, now blue-ray and movies available for download. Why? Because good content is good content, but some people want to see it on a big screen, some people want to watch it at home; some people want to watch it on the go, etc. So instead of forcing your potential customers into a channel they don’t want, why not give the content in a format they will enjoy. What podcasting has over e-mail The first podcast I created was and is  for Musicians. Before it was a podcast it was a newsletter delivered via email. At one point that newsletter had about 1200 subscribers. I turned it into a podcast and it has around 800 downloads per episode (some higher some lower). However, as a newsletter only I think I sold about 2 copies of my book in a year. As a podcast I sell about 1 a month. Why? Because it has a tone of voice, and has made me more human. The podcast has enabled me to build a relationship with my listeners. If I travel I know of different cities where I have open invitations to stay at people’s houses, get tours of cities, etc as these listeners are more friends than potential customers. Am I going to retire on my 1 sale a month? Absolutely not, but I don’t do the podcast to sell books, I do it because I love the subject (and make more money via sponsorship of the podcast). However, don’t over look the fact that marketing via podcasting is more effective (from my chair). The Best of Both Worlds The good news is you can do both. You can use free services such as feedburner, and have people that sign up for your email list be notifed when you do a new post (with or without a podcast). Now you have your product one click away, and they have the ability to listen (or watch) you talk about the topic. The Bottom Line Podcasting allows you to reach a global audience that wants to listen/watch (not read) content. If you have content already (articles, newsletters, etc) that you give away for free you can distribute that for next to nothing and build a relationship with your readers. If I was Ron Deal I would promote my email list in your podcast (along with your speaking engagements, and how the new book was coming), and in the email newsletter I would promote the podcast. You can always offer exclusive content that is only available in that format to get them to sign up for both. Spoof Testimonial Thanks for Chris from www.fillupuripod.com for taking the voice over I sent him and turning it into a “spoof” testimonial. Hillarious.