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Alistair Grant, David Bol and Rachel Amery are joined by Katharine Hay, The Scotsman's rural affairs correspondent, to discuss the Royal Highland Show and the big issues affecting Scotland's farmers. Later, Rachel speaks to Patrick Harvie after his last First Minister's Question as co-leader of the Scottish Greens. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today we welcome Ross Robertson onto the R2Kast!
Join me for a special interview with ex-Sunderland and current Hearts goalkeeper Craig Gordon ahead of his testimonial at Tynecastle next month, recorded on behalf of The Scotsman. Please feel free to read the following article: Gordon still has chapters to write in his fairytale story Enjoyed the episode? Tough, we want you to unsubscribe immediately - or just follow us at @WTFSunlunPod, if you have to (You can subscribe via your favourite podcast app, if you really have to.) #SAFC #EPL
Interview recorded - 30th of May, 2025On this episode of the WTFinance podcast I have the pleasure of welcoming back Clem Chambers. Clem is an author, journalist and founder CEO of A New FN Europe's leading stocks and markets website. During our conversation we spoke about the overview of the economy, why the markets are crazy, Trump TACO trade, you should be cautious, government spending trajectory, end of US exceptionalism and more. I hope you enjoy!0:00 - Introduction1:02 - Overview of economy and markets?6:04 - More confidence in markets?10:35 - Trump always chickens out (TACO) trade12:37 - Cautious15:32 - Institutional money on the side-lines23:46 - Government spending trajectory27:26 - US exceptionalism over?31:23 - Dollar down, US stocks down?36:08 - Mercantilism40:43 - One message to takeaway?Clem Chambers is an author, journalist and founder/former CEO of ADVFN, Europe's leading stocks and markets website. He is General Partner of Ylem Capital clem@ylem.capital. A sought after media commentator, Clem is a regular guest on major television networks including CNBC (US, Europe, Asia, Arabia), Al-Jazeera, BBC, BNN and Fox News.The author of non-fiction titles including ‘Letters to my Broker', ‘The Death of Wealth' and the investment guides ‘101 Ways to Pick Stock Market Winners' and ‘A Beginner's Guide to Value Investing', Clem writes for Seeking Alpha, Forbes and Engineering and Technology magazine and has written Nikkei BP, the Gulf News and The Scotsman as well as specialist trading and business publications Risk AFRICA, Traders and Your Trading Edge. He has written investment columns for Wired Magazine, which described him as a ‘Market Maven'.Clem Chambers - Website - https://www.clemchambers.com/Twitter - https://x.com/ClemChambersBusiness - https://anewfn.com/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas
Scotsman in New York NEW YORK is, undoubtedly, one of the most exciting cities in the world and I can't believe that I have just visited for the first time. Thankfully I have now been to see this amazing metropolis for myself and this Podcast shares that experience with you. From screeching Police sirens to bellowing bagpipes, this was an adventure worth waiting for. It is only a few weeks since I returned from New York and I was absolutely buzzing after my first visit to the Big Apple, to such an extent that I'm inserting this bonus Podcast detailing my experience in the city and the excitement of being part of Tartan week when thousands of Scots pour into the metropolis to join thousands more diaspora Scots who come from all over America to enjoy this bagpiping, drum thumping, highland dancing, whisky drinking throng. It is incredible. The Tartan Parade actually marched up 6th Avenue, waved on by thousands of people who lined the streets. Of course this was just one part of my journey, and I share with you the wonderful times I had at Met Cloisters, Central Park where I recorded a busker singing John Lennon's song, Imagine, not far from where he used to live and was killed. I visit the Empire State Building, the Vanderbilt experience and the Peak restaurant at Hudson Yards, and all at a height of 1400 feet. I walk the Highline and take a gastronomic tour around Chelsea Market. Well, let me share my experience of New York with you, not just Tartan week but my overall visit which was a whirlwind of both tourist sites and off the beaten track places which were just as wonderful.
Al and Codey talk about Everafter Falls Timings 00:00:00: Theme Tune 00:00:30: Intro 00:10:03: Game News 00:27:20: Everafter Falls 01:30:57: Outro Links Chill Town 1.0 Of Life and Land 1.0 Grimshire Early Access Galactic Getaway “The Big Pet” Update Tiny Garden QoL Patch Dolot Town Early Access Roadmap Contact Al on Mastodon: https://mastodon.scot/@TheScotBot Email Us: https://harvestseason.club/contact/ Transcript (0:00:30) Al: Hello farmers, and welcome to another episode of the harvest season. My name is Al, (0:00:36) Codey: and my name is Kody. (0:00:38) Al: and we’re here today to talk about Cutscore Games. (0:00:43) Codey: A woo woo woo, ow, ow, ow. (0:00:46) Al: And also about how tired I am because I was up late watching Eurovision last night. (0:00:50) Codey: We don’t talk about that right now. (0:00:52) Codey: We did talk about it, listeners, so check that out but, (0:00:56) Codey: or maybe not, or maybe, no, check it out, check it out. (0:01:00) Codey: Here’s some of our, (0:01:00) Al: Oh yeah. (0:01:02) Codey: here’s some of our very deeply held beliefs. (0:01:08) Al: This episode, however, we’re going to talk about Ever After Falls. Well, I’m going to talk about (0:01:12) Al: Ever After Falls, and then probably Cody will ask me some questions about it, because good. (0:01:16) Codey: I’m going to ask questions about it because I did not. (0:01:20) Al: Obviously we have the news, etc, etc. Also, just a piece of housekeeping. There will be a short (0:01:30) Al: podcast for a couple of weeks after this episode. Life gets in the way, and I realized I haven’t (0:01:34) Codey: Mm-hmm. (0:01:36) Codey: Mm-hmm. (0:01:39) Al: actually had an episode off in the entire time that I’ve been on. So for four years it was every (0:01:45) Codey: Mm-hmm (0:01:45) Al: single two weeks without a break, and then for two and a half years it’s been every single week (0:01:51) Codey: Mm-hmm (0:01:51) Al: for that time. So I’m going to take a couple week break, and we’ll see how that goes. (0:01:55) Codey: Yeah, you you deserve it (0:01:59) Codey: Yeah for folks who might be like what I’ll hasn’t been on some episodes he still edits them (0:02:01) Al: That prepares them. The news is a lot… Again, the news is a lot of work. (0:02:05) Codey: And prepares them and does everything (0:02:10) Al: So yeah, we’ll see how that goes. Apologies if this is an important part of your week. (0:02:17) Al: You’re going to even have to deal with it for a couple of weeks. That’s life. (0:02:23) Al: So yeah, we’re going to talk about Ever After Falls. We’ve got a bunch of news. But Cody, (0:02:26) Al: what have you been up to? (0:02:28) Codey: I wrote stuff down, I should reference that. (0:02:35) Codey: I have been up to not taking my medication yesterday (0:02:38) Codey: on accident, so I’m a little crazy right now. (0:02:40) Al: - Oh no. (0:02:44) Codey: Normally I’m normal, but I’m not, that’s a joke. (0:02:47) Codey: I have been playing Breath of the Wild. (0:02:50) Codey: I have now done All But the Camel to Find Beast, (0:02:56) Codey: and I have the math. (0:02:58) Codey: Master Sword. Though I… it’s like saying that it’s it’s Eepy right now. Do I just have to leave it alone for a while? Like, like when the when it’s, you know, the Master Sword, when the Master Sword’s like… (0:03:07) Al: the divine beast? Or the master sword? Oh yeah, yeah, yeah, yeah. Yeah, so you can only use it (0:03:16) Al: until like, it’s essentially, it breaks, but differently from the other ones, and then after (0:03:19) Codey: Yeah, air clothes, yeah. (0:03:22) Al: a while it rejuvenates and it’s fine. You can do, there is a thing you can do where you’d, (0:03:29) Al: if you do the trial of the sword, it’s like a big, long, difficult challenge. And if you do that, (0:03:35) Al: than your master sardoke beach. (0:03:37) Al: I think you can charge all the time. But it is very difficult. (0:03:38) Codey: Ooh, okay, I gotta find that. Cool. Yeah, because that’s one thing. And then I went to the I went (0:03:47) Codey: to the Deku tree and he was like, sup, looks like your sword’s tired or whatever. Or like, (0:03:53) Codey: if it happens, you need to give it time to recharge. And I was like, does that mean (0:03:57) Codey: I need to like, put it back in the stone, but then I couldn’t figure out how to do that. (0:03:59) Al: No, you just wait. Just leave it where it is and it’s all good. (0:04:02) Codey: Okay, cool. Uh, yep, other than that, I’m just kind of exploring in that game. (0:04:08) Codey: So just like jump on and be like, I’m just gonna strike off in this direction. And then, oh, look, (0:04:13) Codey: my Sheikah thingy is like, there’s a shrine over here. Or like, oh, look, that’s clearly a little (0:04:20) Codey: Korhok puzzle. Yep, and I’m finally getting, I’m also like, starting to try and min max my, (0:04:22) Al: Yeah, it’s kind of what the game is for. (0:04:30) Codey: and by that, I mean, just upgrade all of my clothing. So I’ve, I’ve started a notebook of (0:04:37) Codey: what uh… (0:04:38) Codey: items I need to upgrade my clothing um yeah so i’m doing that I still play honey grove (0:04:47) Codey: is that what it’s called I don’t know it’s a little bee a little bitty game on my phone (0:04:52) Codey: yeah honey grove I still play that uh they’ve had a good update recently which is super cute (0:04:56) Codey: um this isn’t like in the news or anything it’s just it it’s been updated um (0:05:02) Codey: and yeah my one comment to them is every week they have these like weekly tasks there’s (0:05:08) Codey: ladybug that comes and you she can you can get like really good stuff if you plant stuff for her (0:05:14) Codey: I should do that right now um and uh if you don’t make it then you’re kind of just screwed (0:05:22) Codey: but sometimes I like like it’s she’s like oh I want these beefsteak tomatoes and so i’ll grow (0:05:26) Codey: like a million of them but then she won’t want any more and so then I just have grown a bunch (0:05:32) Codey: and then the next week next time she comes and she wants those like it’s just back to zero (0:05:37) Codey: which is stupid because i’m like (0:05:38) Codey: I know that I grew a lot of these and I had a bunch extra so if you’re listening honey grove (0:05:45) Codey: developers please let that roll over that would be great because otherwise it’s almost impossible (0:05:51) Codey: to get the thing and I really want this bee windmill that i’m trying to go for right now (0:05:59) Codey: and then finally the other the last thing that i’ve kind of been doing on top of research is (0:06:04) Codey: and dog sitting is gardening. So legitimately in… (0:06:08) Codey: the soil gardening I have some peppers and stuff in pots now. Next week it’s (0:06:16) Codey: supposed to get kind of chilly so instead of putting them in the ground (0:06:20) Codey: I have left them… I up potted them from the little things containers they came in (0:06:26) Codey: from the garden center and I’m gonna buy some raised bed soil but I’m gonna give (0:06:31) Codey: it a hot minute and then after it is done being 50 degrees (0:06:38) Codey: slash it’s probably like what like nine degrees for y’all. Cold. Once it’s done (0:06:46) Codey: doing that then I will finally put things in the ground and I’m preparing (0:06:49) Codey: my raised bed. I’ve been going out and weeding it every week. Yeah. That’s (0:06:54) Al: Nice (0:06:56) Codey: pretty much it. What about you? (0:06:58) Al: What about me I’ve done I have played a lot of ever after falls less so this week I (0:07:06) Al: Stopped playing it for something else (0:07:08) Al: I can’t remember what the other thing was I was playing. Oh, yeah, I was playing the ratopia demo for last week (0:07:15) Codey: Mm-hmm. I still need to listen. (0:07:15) Al: That’s what it was. Um, and I haven’t got back into ever after falls, but I’ve still got lots talk about it (0:07:23) Al: like 60 hours in. (0:07:24) Al: Or something, so plenty to talk about. (0:07:27) Al: And then today I just started my Pokémon Shield save file. (0:07:33) Al: So you might remember that I have been, you know, (0:07:35) Al: doing lots of living DEXs and the Pokémon home DEXs, (0:07:42) Al: and I have previously done Professor Oak Challenges. (0:07:46) Al: And the one game that I hadn’t got a postgame save file (0:07:55) Al: was Pokémon Shield, and the Sword and Shield DEX is the one I don’t have a living DEX for, (0:08:01) Al: nor do I have the Pokémon home version finished either, for which you get the shiny Keldio, (0:08:04) Codey: Mm. (0:08:08) Al: which I need for my shiny living DEX. (0:08:11) Al: So I started that today. (0:08:14) Al: I’ve been feeling a little bit like I’m not sure what to do game-wise, (0:08:17) Al: because we’re so close to the Switch 2 coming out, (0:08:20) Codey: Mm-hmm (0:08:20) Al: and I know that I’m going to be all in on Mario Kart when that comes out. (0:08:25) Al: And so I’m just like, I’m not really sure what to do. (0:08:27) Al: So I was like, let me just do this for just now. (0:08:29) Al: And I’m just going to set myself a deadline of when the Switch 2 comes out, (0:08:34) Al: and we’ll just see how much I get done by then. (0:08:37) Al: And I’ve undecided as to whether I’m doing it as a Professor Oak Challenge. (0:08:42) Al: I guess maybe I’m going to start that, and if I get bored, I’ll stop. (0:08:47) Al: It’s hard to know whether I’ll want to or not, because I’ve done so many of them. (0:08:52) Al: We’ll see. (0:08:54) Al: I’ve started it. (0:08:55) Al: I’ve not really done much yet. (0:08:56) Al: I’m just kind of getting through the boring beginning of Pokemon game stuff (0:09:00) Al: that you always have, like, oh, here’s all these people, and here’s this stuff, (0:09:03) Al: and you go do this random tiny fetch quest to get your Pokemon, and blah, blah, blah, blah. (0:09:09) Al: Just give me my Pokemon. (0:09:10) Al: Let me go catch some more, please. (0:09:14) Codey: » Mm-hmm. (0:09:14) Al: That’s the game. (0:09:14) Al: I want to get into the game loop. (0:09:16) Al: I don’t want your tutorial at the beginning. (0:09:19) Al: So yeah, we’ll see how that goes. (0:09:22) Al: we got two and a half weeks. (0:09:24) Al: Till the switch to comes out, I think. One, two. Yeah, two and a half weeks till it comes out. (0:09:31) Al: Although, technically, I won’t be getting it until two days later, because I will be in the Isle of (0:09:35) Al: Man when it comes out, and I don’t have it shipping to the Isle of Man. Because that would be silly, (0:09:40) Al: because it would almost certainly be late, and then I would leave the island, and it would arrive (0:09:45) Al: after me. And that is not what we want. So it is coming to my house, and I will get it when I get (0:09:46) Codey: Yeah. (0:09:52) Codey: That’ll be good. I don’t have any plans to get that. (0:09:58) Codey: So. (0:09:59) Al: So yeah, that’s what we’ve been up to, woo! (0:10:02) Codey: Oh (0:10:03) Al: Let’s talk about some news. (0:10:05) Al: So first up, we have Chill Town have announced that their 1.0 is out now. (0:10:10) Codey: yep, that’s the tweet. (0:10:13) Codey: They did say that if you’re a turning player, (0:10:15) Codey: so if you’ve played the early access (0:10:17) Codey: and you have a save file, (0:10:18) Codey: save file is still compatible, (0:10:20) Codey: but that they still recommend starting a new game (0:10:24) Codey: for the quote unquote safest experience (0:10:27) Codey: because they say it avoids any unforeseen issues. (0:10:29) Codey: So it is possible for you to do so (0:10:32) Codey: to just keep going with the save file that you had, (0:10:35) Codey: but maybe start with a new one, (0:10:36) Codey: just to be on the safe side. (0:10:39) Al: I don’t know who you’re talking about. (0:10:40) Codey: Some people feel strongly about that kind of stuff. (0:10:44) Codey: Okay, is it not you? (0:10:46) Al: Well, yeah, it is me. (0:10:48) Codey: It is you, I thought so. (0:10:49) Al: Of Life and Land have also announced that their 1.0 is also out now. (0:10:54) Codey: Oh, woo, and that on their page, (0:10:57) Codey: it says something like, (0:10:59) Codey: it’s now available to buy it for yourself or for a friend. (0:11:03) Codey: And you know what, Al, you’ve got a friend in me. (0:11:06) Codey: I am a friend, someone should buy me this game. (0:11:10) Codey: No, there’s a 40% introductory offer right now on Steam (0:11:15) Codey: and the Steam has it on Windows and Mac. (0:11:20) Codey: And so it’s only 15 bucks. (0:11:22) Codey: And then there’s a bundle that has the supporter edition, (0:11:32) Codey: Um, but that one comes out, uh, or that’s also 14% off. (0:11:38) Codey: Um, the supporter pack gives you wallpapers, digital art posters. (0:11:42) Codey: That’s really cute. (0:11:43) Codey: Digital art poster paper Fox folding instructions. (0:11:47) Codey: Holy heck. (0:11:48) Codey: I want the paper Fox. (0:11:48) Al: Amazing, just just what you need. (0:11:49) Codey: Uh, I legitimately do want that paper Fox. (0:11:54) Al: You can just buy this a quarterback if you want. (0:11:54) Codey: Um, which is only $3 right now. (0:11:59) Codey: I might buy that. (0:12:00) Codey: I’m not going to lie. (0:12:01) Codey: Uh, so yeah, this is. (0:12:02) Codey: Porter edition bundle is also 40% off, which is so it’s just 18%, $18 US. (0:12:08) Al: It is very funny because they’re both they’re 40% off individually and together. (0:12:13) Al: So it shows the bundle is like, oh, of life and land 40% off of life and land supporter (0:12:18) Al: back 40% off price of individual products 15 pounds 16 bundle discount 0% your cost (0:12:24) Codey: Yep. Yeah, right now the bundle is not a deal. I’m assuming it will be eventually. (0:12:25) Al: 15 pound 16 it’s just very funny the way that it’s worded yeah presumably once the initial (0:12:36) Al: discount comes off, then the bundle… (0:12:38) Al: But obviously, they don’t want to have an additional discount on top of 40%, (0:12:43) Al: because 40% is quite a significant discount especially. (0:12:47) Codey: Yeah, no, this is something I definitely want to play at some point, probably going to happen (0:12:52) Codey: in the fall, TBH, because that’s something that I am not going to put a game on my lap. (0:13:01) Codey: There’s only one game that I’m putting on my laptop, and now it’s Mudborne, and then (0:13:06) Codey: past that, no more games on my laptop until I have become a doctor of bugs. (0:13:11) Codey: So yeah, be cool. (0:13:14) Al: And there are 221 people currently playing this game, it has 148 positive (0:13:22) Codey: It’s 221 opportunities for people to be my friend. (0:13:27) Al: Next we have Grimshire. I have announced that their early access is releasing on the 22nd of July. (0:13:34) Al: I honestly cannot remember this game but it was on my list. We’ve apparently talked about it. (0:13:39) Al: Oh no! A deadly plague threatens the village of Grimshire. Manage your farmland, (0:13:45) Al: forage the bounty of the wild to prevent your harvest from rotting away and keep the root (0:13:49) Al: cellar full. Can you help bring the community together and survive? (0:13:50) Codey: The roots seller bring the community together. (0:13:58) Al: I don’t… I don’t like the… (0:13:58) Codey: Yeah, I– you don’t or you do. (0:14:03) Codey: Oh, no. (0:14:04) Codey: I don’t hate it. (0:14:05) Codey: I– I mean, it’s giving Redwall to me. (0:14:10) Codey: What? (0:14:12) Al: Redwall is a series of children’s fantasy novels. (0:14:14) Codey: How? (0:14:16) Codey: How do you, someone who lives in that? (0:14:20) Codey: That country of the world, that part of the, that, that content, content island, not know what Redwall is. (0:14:28) Codey: I am shocked. Redwall is like a staple of American childhood, or at least it was when I was growing up and I’m ancient. (0:14:36) Codey: You’re also ancient though, so it’s fine. (0:14:38) Al: And yes, I think I think we’ve been over this, yes. (0:14:38) Codey: AKA we’re the same. I think we’re about the same age. (0:14:44) Al: I have never heard of this. (0:14:44) Codey: Oh, dude, I loved Redwall, and they had a TV series. (0:14:50) Codey: Yeah, it’s pretty much just some animals are good animals, and they do good things, and some are bad animals, and usually it’s like the rodents and the prey animals are the good ones, and then the ones that eat other things are the evil ones, and they just want to do evil for evil things. (0:15:06) Al: Yeah, I don’t know what it is about the graphics of this game. (0:15:08) Codey: But, listeners chime in here if Redwall is cottagecore. I think Redwall is cottagecore. (0:15:11) Al: It’s just something… (0:15:12) Al: Yeah, I’m not a fan. (0:15:20) Codey: Um, I think it was, it was also a TV show for a while, but I think there is a Redwall game. Uh, yeah, no, I like this. Maybe, maybe Watership Down? I don’t know. That’s also animals, isn’t it? I’ve never read it, though. I could be way off base right here right now. (0:15:38) Codey: Is it? Okay, it’s another animal one. (0:15:40) Al: I have no idea. (0:15:43) Al: I’ve heard of it. (0:15:44) Codey: Yep, so I think I have it because I wanted to read it. I was like wanting to read it. (0:15:50) Al: Anyway, Grimshire. (0:15:50) Codey: Yep. Yep. July 22nd. And that’s for the early access. What’s just windows? Lame. Okay. (0:16:04) Al: Yeah, they say that they’re estimating early access will be about a year, possibly longer. (0:16:13) Al: It’s always, it’s always longer. (0:16:16) Al: Galactic Getaway have announced their big pet update. (0:16:22) Codey: Yep, this is also a game that I didn’t know existed and I looked at it and I was like meh. (0:16:26) Codey: But I kind of just wrote down a little bit of of what the big pet update includes. It includes (0:16:33) Codey: pet stations, which I guess is like where you can you can choose which pets you want (0:16:38) Codey: to be roaming around. Which to me is does not spark joy that like where are the ones that you (0:16:46) Al: They go in the (0:16:48) Codey: you don’t want. What happens to the ugly pets? (0:16:52) Codey: But then when they come back out, they’re just, are they going to be like skin and bones? Are they, are they just in pet jail? (0:17:02) Al: Yeah it does say instead of just being put away in store. (0:17:03) Codey: Um, oh, I mean, that doesn’t, there’s, there’s not really a difference though, is there? (0:17:12) Codey: Okay. Uh, and then you can also feed them. And then they have an egg. (0:17:12) Al: Well, some you see, some you don’t. (0:17:22) Codey: Uh, egg system that is like breeding system. Basically you can put two, two together and they’ll breed and you get an egg and then you get another pet out of it. (0:17:33) Codey: Is this just Pokemon actually? (0:17:36) Al: Yeah I mean the game as a whole gives me very Animal Crossing vibes, cross with like I guess (0:17:44) Al: if Animal Crossing had Miis instead of the Animal Crossing characters. It’s a thing, (0:17:48) Codey: - Mm-hmm, fair. (0:17:52) Al: there seem to be many games as well. We have talked about it before but (0:17:59) Al: Forget there’s too many games (0:18:00) Codey: Yep, there are. If you’re not a very few games that we’ve been really looking forward to, (0:18:07) Codey: Kofkof, Snacko, we forget, though I really am excited for Lens Island. I want to play (0:18:14) Codey: Lens Island again. I don’t think that’s on our list, is it? No. Thanks to talk about (0:18:17) Al: our list of what? Not today, no. Next we have Fantasy Life Eye, The Girl Who Steals Time. (0:18:19) Codey: today. Nope, it’s just on my mind. (0:18:29) Al: They have announced that their physical release outside of Japan has been (0:18:35) Al: cancelled. So I guess if you were wanting the physical release for Fantasy Life Eye, (0:18:42) Al: I, the girl who steals time, sorry. (0:18:46) Codey: also so okay I have a couple I have a couple comments here first of all the eye (0:18:50) Codey: is not like an eyeball it is the letter I lowercase letter I which is just (0:18:56) Al: Yeah. (0:18:57) Codey: confusing to me like are they trying to say what is an eye one (0:19:03) Al: I don’t know, this is a super bad name. (0:19:05) Al: It’s a super bad name because the eye is like unique to it’s like this (0:19:11) Al: is the first fantasy life that has the eye in it, right? (0:19:14) Al: Like it’s not. (0:19:15) Codey: Mm-hmm. (0:19:15) Al: This is the second fantasy life game. (0:19:18) Al: The first one was called Fantasy Life. (0:19:19) Al: And this one’s called Fantasy Life Eye, the girl who steals time. (0:19:23) Al: So even if the eye does mean one, it’s it’s wrong. (0:19:26) Al: It’s not the first game, not the first game. (0:19:28) Codey: second one yep uh so that’s my one of my comments (0:19:31) Al: Oh, actually, no, it’s not. (0:19:32) Al: There was a second. This is the third one. (0:19:35) Al: There was Fantasy Life 2, Two Moons in the Village of God, which was a mobile game. (0:19:39) Codey: The only thing I can think of an I being acceptable here (0:19:44) Codey: is if it’s meaning, like, 9, I think it is. (0:19:48) Codey: Whatever number in the alphabet an I is. (0:19:52) Al: or me. Fantastic. Hi, hello, hi over here. Yeah, well. (0:19:57) Codey: But it’s a lowercase i. (0:20:01) Codey: It’s a lowercase i. (0:20:04) Codey: OK, so I was looking at this. (0:20:07) Codey: This is a Reddit post. (0:20:08) Codey: and I… (0:20:09) Codey: started going down the rabbit hole of comments because it’s hilarious. (0:20:12) Codey: Uh, and this little exchange made me cackle. (0:20:15) Codey: Um, so someone said, “I feel like all the news about this game has exclusively made it lamer for Switch fan.” (0:20:22) Codey: Which is crazy considering it was an exclusive at one point. (0:20:27) Codey: Level 5, which is a developer, really fumbled a version that probably would have sold the best. (0:20:33) Al: find this a funny thing to say, considering it’s not like they cancelled the Switch physical version (0:20:39) Al: and kept the PlayStation physical version, they just cancelled all the physical versions. (0:20:43) Al: And in Japan, the physical version is Switch and PS5. It feels like a weird thing to say. (0:20:50) Codey: I just laughed at the every update has made this lamer. (0:20:54) Al: Yeah, I mean, that’s fair, right? But like, why specifically the Switch version? (0:21:00) Al: like I just thought this is nothing to do with the switch (0:21:03) Codey: because yeah the next comments yeah it just made me laugh the next comment down on this (0:21:03) Al: like this is such a weird comment (0:21:07) Al: because yeah I saw that one as well I just rolled my eyes at it (0:21:12) Codey: shred says level five is a company that has been fumbling since the mid 2010s and very few people (0:21:18) Codey: are talking about it uh I just love the idea that they’ve been fumbling um and then I don’t know (0:21:25) Codey: just I don’t know why that one made me laugh probably because then the next one is it’s the (0:21:30) Codey: the universe punishing them for not making a proper (0:21:33) Codey: Professor Layton sequel in nearly a decade. (0:21:36) Al: Aren’t they making one this year? Yeah. (0:21:38) Codey: Is it them making one? (0:21:40) Codey: Well, I think he’s also saying they also said proper. (0:21:44) Al: Of course, no true Scotsman. (0:21:44) Codey: So perhaps they’re basically yeah. (0:21:49) Codey: It’s not a main series. (0:21:50) Al: No one’s ever happy with anything, ever. (0:21:53) Codey: It’s not a main series Professor Layton game. (0:21:56) Codey: I don’t know. (0:21:57) Codey: It was just this that this is like the top most upvoted (0:22:01) Codey: conversation on this. (0:22:03) Codey: It’s just on this game that no one’s really heard about. (0:22:03) Al: Also, it looks like the last Professor Layton game was a decade ago, so that’s probably (0:22:12) Codey: Oh, okay. It just is. (0:22:13) Al: what the talk about this is, but yeah, I feel like the reason, reading up on this, the reason (0:22:19) Al: they haven’t done one in the last 10 years is probably because the puzzle designer for (0:22:23) Al: the previous Professor Layton games died in 2016. (0:22:27) Codey: Yeah, that would that would do it. That’s a reason. (0:22:33) Al: But it takes a while to kind of rethink what you want to do when your main puzzle designer (0:22:39) Al: in a puzzle game dies. (0:22:42) Codey: Well, I’m trying to figure out how to like still make it feel true to the brand (0:22:48) Al: Anyway. Fun times. Yeah. So there we go. Yes, if you wanted the physical release of this, (0:22:50) Codey: Also, there was a plague there was a plague in there somewhere. Yeah, so (0:22:57) Codey: No physical no physical release for you (0:23:01) Al: I’m sorry. Too bad. I think this game comes out as we’re recording in like three days. (0:23:07) Al: I think it comes out on the 21st, so the day this episode comes out is when the game comes out. (0:23:08) Codey: Hmm. Well, it’s available now digitally. (0:23:12) Al: Tiny Garden. Tiny Garden. They have… (0:23:18) Al: … announced a quality of life patch, and they announced that controller support is (0:23:26) Al: incoming for their game. I played this a little bit on the Steam Deck, but it didn’t have controller (0:23:33) Al: support. However, it was okay using the touchscreen. It wasn’t amazing. I think it could be a little (0:23:41) Al: bit better, but it was doable. It didn’t feel like a lot of games without controller support, (0:23:46) Al: where you’re just like using the touchpad. (0:23:49) Al: Which is just the absolute worst way to interact with anything ever on the Steam Deck, but I’m very happy that they’re adding (0:24:00) Codey: Yep, sorry, my brain was trying to think of an analogy for using touch screen to try and do a mouse and my brain was thinking, trying to make a fork with your fingers. (0:24:14) Codey: It’s like you don’t need to be stuck with the tool, aka the fork or the mouse, when you have a perfectly good other way to do it. Just eat with your fingers. (0:24:26) Al: I understand what you’re trying to say, yes. (0:24:30) Codey: This is the hashtag, just I was off my meds for a day folks thoughts. (0:24:38) Codey: That was that was what came up. They also said that they did say the tutorials thing that you can do the tutorials at any time now. (0:24:46) Al: No, I did not. (0:24:48) Codey: Yeah, that was another thing that they announced. And then, and then the switch port is being discussed. (0:24:51) Al: That’s good. (0:24:55) Al: They’re also releasing Mac very soon. (0:24:58) Codey: Well, I might play it, but not until the– (0:25:00) Codey: I do think it’s a really cute game. I like the concept. (0:25:05) Al: Well, maybe by the time you play it, the summer update will be out then. (0:25:12) Al: And our final piece of news, Dolok Town have released their Early Access Roadmap. (0:25:19) Al: So it’s out in Early Access now, and they have given a Roadmap, and it’s pretty vague (0:25:29) Al: in terms of timelines, but it has an update. Late summer. (0:25:35) Al: This year with ranching and main story updates, and then fall/winter with the gene system and (0:25:43) Al: another main story update, and then first half of 2026 with a new map, farming automation, (0:25:50) Al: my favorite thing, and the main story concluded. It then says to be continued, so I’m guessing (0:25:57) Al: that means that that update is not the 1.0 and the future one will be, but it’s not. (0:26:05) Al: To be continued could mean we’re 1.0, but we’re still going to add stuff. (0:26:12) Codey: » Mm-hmm. This is a very cute Roadmap too. (0:26:12) Al: You never know with people in their Early Access and version. (0:26:20) Codey: They drew a lot of hand-drawn things in it. (0:26:22) Codey: It’s very cute. I really like the, (0:26:24) Codey: in the first late summer 2025 ranching system update, (0:26:27) Codey: they’ve got a couple of really cute llama drawings. (0:26:31) Codey: I’m assuming it’s a llama. (0:26:34) Codey: But then they say regarding community feedback, (0:26:38) Codey: and this just makes me feel like they’ve gotten (0:26:40) Codey: a lot of– (0:26:42) Codey: bad. (0:26:44) Codey: Because they say, as first-time developers, (0:26:46) Codey: we’ve been humbled by the incredible volume of feedback (0:26:49) Codey: this past week. (0:26:49) Codey: The game certainly has its flaws, (0:26:52) Codey: and we’ve made our share of mistakes. (0:26:53) Codey: But we’re thankful to everyone taking the time (0:26:55) Codey: to share their thoughts. (0:26:56) Al: That’s a yeah we know it’s not perfect stop telling us. (0:26:57) Codey: We believe that– (0:27:00) Codey: we get it. (0:27:02) Codey: It’s Early Access. (0:27:03) Codey: Leave us alone. (0:27:05) Codey: We believe the Early Access period (0:27:07) Codey: is all about listening and improving based on player input. (0:27:09) Codey: So they’re doing that, which is great. (0:27:12) Codey: So yeah, that’s Dallat town. (0:27:18) Al: Whoo. All right. We’re going to talk about Ever After Falls. (0:27:22) Codey: So again, you have played it, I have not. (0:27:27) Al: Yes, I have played it. I’ve put 60 hours or so into it, which is a good amount of time. (0:27:35) Al: It’s now in my top five games on Steam, I think, with 60 hours. (0:27:35) Codey: Mm hmm. Wow. What’s your top game? Okay, that makes sense. (0:27:43) Al: Stardew. So I guess a quick introduction to this. (0:27:49) Al: Essentially, it is, it’s a Stardew clone, right? (0:27:54) Codey: Right. (0:27:54) Al: Like, it’s not, there’s nothing in it that would make it significantly like this is a selling point, right? (0:28:03) Al: It’s not, oh, it’s Stardew, but it is, it’s Stardew, I guess, but they’ve changed a bunch of small things. (0:28:12) Al: It feels like they’re trying to do to Stardew what Stardew did to Harvest Moon, right? (0:28:18) Al: Let’s make one. And these are like the 20 things that I don’t like about it. (0:28:23) Al: Here’s how I change them sort of thing. (0:28:26) Al: Whereas a lot of farming games nowadays are it’s Stardew, but in space or it’s Stardew, but prehistoric or, you know, (0:28:38) Al: instead, it’s Stardew, but insert specific thing here. (0:28:42) Al: It’s not that it is very much it’s Stardew. (0:28:47) Al: but we’ve improved a bunch of (0:28:48) Al: things. Which is not a bad thing, I think it’s just important that people are aware (0:28:55) Al: of that’s where we are. So if you’re looking for something unique, that is not this. If (0:29:02) Al: you’re like, I love Stardew, but I’m done with it, I’ve had enough time in there and (0:29:06) Al: I want something similar, this could be what you’re looking for. And I’ve got a lot of (0:29:11) Al: stuff to talk about it. Because there’s, as I say, there’s lots of little things that (0:29:14) Al: make it different, I think most (0:29:18) Al: of it is mostly in good ways, but we can get there when we get there, go for it. (0:29:19) Codey: okay okay I’m going to read the little blurb real quick blurb rediscover the (0:29:29) Codey: simple life farm fish forage and fight to restore the piece in an all-new (0:29:33) Codey: farming adventure features split screen co-op a helpful pet automated drones (0:29:39) Codey: resourceful pixies a card eating progression system and dangerous (0:29:43) Codey: dungeons to delve into they put a lot of alliteration into that that was kind of (0:29:49) Codey: hard to read so as I was looking at some other stuff like some videos and (0:29:56) Codey: stuff about this game a couple questions popped up ready are you ready for some (0:29:59) Codey: quick rapid-fire questions oh just before we jump in okay first question in (0:30:01) Al: Oh, I’m as ready as I’ll ever be. (0:30:08) Codey: their gameplay trailer they say that this game is an irreverent farming (0:30:14) Codey: simulator. To remind people, the definition of a reverent is one (0:30:19) Codey: lacking or exhibiting a lack of reverence or disrespectful to (0:30:23) Codey: critically critical of what is generally accepted or respected (0:30:27) Codey: or satirical and three showing a lack of reverence. (0:30:32) Codey: That’s so stupid expressive of a lack of veneration. (0:30:35) Codey: That’s a really stupid definition. (0:30:37) Codey: We’re just going to go with satirical or disrespectful. (0:30:40) Codey: Does this game feel satirical or disrespectful? (0:30:44) Al: No. (0:30:44) Codey: Okay, cool. (0:30:46) Al: I mean, it’s not trying to be serious, right? (0:30:52) Al: So it’s not like, oh, it’s the serious farming sim, like a lot of farming sims are nowadays. (0:30:58) Al: But yeah, it’s not like, I feel like to be satirical or disrespectful, there has to be (0:31:05) Al: something you’re, you know, reacting to. (0:31:10) Codey: Yeah and it’s not doing that. (0:31:10) Al: It’s not, it doesn’t feel like it’s, it’s not, it’s not going. (0:31:14) Al: Oh, we’re not paying respect to stardew, right? (0:31:18) Al: Like, I don’t, it doesn’t, there’s nothing there. (0:31:21) Al: It doesn’t, it is lighthearted in most of what it does. (0:31:25) Al: It’s not trying to be the serious one, but the problem is that farming (0:31:29) Al: Sims didn’t start out serious and this isn’t the lighthearted satirical version of that. (0:31:36) Codey: pottagecore is the most serious genre ever actually and I can’t believe that you disagree with that (0:31:44) Codey: statement um okay my next question um they said in that trailer all the cardboard upgrades (0:31:52) Codey: you can eat and then they also say that again and I think what (0:31:56) Al: Yeah, I mean this is just their skills, upgrades you get by consuming cards, and like the consuming (0:32:06) Al: part of it doesn’t really mean much. You eat them technically in-game, but like it may as well be (0:32:13) Al: something else, right? It could just be like a button you press, right? It’s just like you get (0:32:16) Codey: Like, you learned it. (0:32:18) Al: cards that give you an upgrade, like it might give you more attack when you’re in the dungeons, (0:32:24) Al: or it might give you more. (0:32:26) Al: Things you can water at one time, something like that. (0:32:30) Codey: are cards you can play at any time. Oh, it’s permanent. It’s not like a cool down. Are (0:32:32) Al: Yeah, it’s like a permanent upgrade to your skills though. (0:32:37) Al: Yeah, no, they’re permanent skills. (0:32:41) Codey: there things? Are there cards that you can eat that are not other cards for anything (0:32:46) Codey: else in the game? Like, is there a card that’s just like, here’s a cute card? (0:32:47) Al: What do you mean? (0:32:51) Al: No, they’re all they’re all skill upgrades. (0:32:54) Al: They’re quite varied, though, right? (0:32:56) Al: Because obviously there’s ones relating to combat. (0:33:00) Al: So increased attack, increased attack speed, increased movement speed. (0:33:05) Codey: Mm-hmm, right. (0:33:06) Al: And then there’s farming related ones. (0:33:09) Al: But then there’s also like unique ones, which, you know, for example, (0:33:13) Al: one of the things you can do in games is you can have a drone following you. (0:33:16) Codey: Mm-hmm, mmm. (0:33:17) Al: Cards allows you to have a second drone following you. (0:33:20) Al: And there’s like just stuff like that. (0:33:22) Al: There’s there’s nothing. (0:33:26) Al: It’s nothing like, oh, wow, this is the most amazing idea that someone’s put in a game. (0:33:31) Al: It’s just like small improvements in in the game. (0:33:36) Al: It’s like how in Stardew you increase your skill level in something. (0:33:39) Al: And then suddenly you can do more stuff one way, right? (0:33:43) Al: Like you increase your your stamina or whatever. (0:33:43) Codey: Yeah, I was just wondering if there’s like already a card collecting system or something and it’s just sometimes it’s like, oh, wow, this one does something like this does gives you (0:33:53) Al: No, no, no, no, they’re all, they’re all, I guess you’re technically collecting them, (0:34:00) Al: but like it’s you get it and then you eat it and that is marked as in your stats, right? (0:34:08) Al: Like it’s not, yeah, it’s, they’re all, the entire point of it is your stats upgrades. (0:34:08) Codey: how do you get okay okay I see that and I was like we got to put that in the (0:34:14) Al: There’s not, there’s no other cards you get for stuff. (0:34:17) Al: If you weren’t collecting, there is… (0:34:24) Codey: notes it’s already there how do you get the cards (0:34:25) Al: Well this is an interesting part of the game. So there are three ways I’ve found of getting (0:34:37) Al: the cards, one of which is when you complete museum collections you get credits towards (0:34:45) Al: a shop in the museum and then you can buy cards that way. That I’ve found is the easiest (0:34:52) Al: way to do it because there’s like lots of - it’s not just like (0:34:55) Al: oh you’ve done all the bugs you get credit it’s like oh you’ve done the butterflies you (0:35:00) Al: get credit or you’ve done the starfish you get credit or you’ve done this the spring crops you (0:35:02) Codey: - Oh, cute. (0:35:05) Al: get credit so there’s quite a lot of different ones that you can do obviously some of them are (0:35:06) Codey: Okay. (0:35:10) Al: harder than others but you get quite a lot of cards that way you can also get them through quests (0:35:16) Al: that’s a another way of getting them and there are a few of them but obviously you don’t really (0:35:21) Al: have control over when you get them you just get the quest and then you do it you get it (0:35:25) Al: the third way however is is interesting so when you get a when you get a letter in the mail and (0:35:32) Al: you read it that letter stays in your inventory right you just have a letter in your inventory (0:35:39) Al: and then you can either sell it or put it in your storage or you can recycle it and if you (0:35:46) Al: recycle the letter you get a scrap of paper and once you have well you you I think it takes six (0:35:52) Al: sliders to get scrap of paper. (0:35:55) Al: Three scraps of paper, you can create a base card, and then you can go to the printer. (0:36:00) Al: When you go to the printer, you can print out a card on that card, the blank card. (0:36:06) Al: So you take the blank card to the printer and choose which card you want to print on it, (0:36:11) Al: and that’s how you get that card. (0:36:12) Codey: Mm-hmm interesting that is it (0:36:15) Al: Yeah, I think it’s interesting because I’ve never really played one where the letters you get are (0:36:19) Al: just a thing you have in your inventory, and then you have to do something with, (0:36:21) Codey: Yeah (0:36:23) Al: and they gave you something to do with that. (0:36:25) Al: And it means that you’re then like, oh, how do I get more of these, right? (0:36:29) Al: Because I want to get as many bits of paper as possible. (0:36:31) Al: And so you’re trying to like do more quests and stuff to get more letters, (0:36:34) Codey: have people write you letters. (0:36:38) Al: which is an interesting way of doing things. (0:36:40) Codey: Yeah, I mean that’s unique. (0:36:42) Al: Yeah, it’s interesting. (0:36:43) Al: Yeah, I don’t think it’s that like, if you’ve not, (0:36:46) Al: if you don’t, if you’re not looking for a farming game, (0:36:49) Al: it’s not going to be like, oh, this is a game I must play now. (0:36:52) Codey: - Final question that I have before we just dive into like a general overview of the game (0:36:52) Al: But it does like lots of other things I’m going to talk about. (0:36:55) Al: There are lots of little things like that that I feel are really nice (0:37:00) Al: quality of life improvements over other farming. (0:37:08) Codey: provided by you. Why are some of the bees red? Okay. Additional question. Why are some (0:37:11) Al: They’re not. They’re pink. (0:37:17) Codey: of the beast. (0:37:19) Al: I don’t know why is anything anything, Cody? (0:37:21) Al: I don’t know. They’re just they’re pink bees. (0:37:23) Al: And how else are you going to get pink honey if you don’t have pink bees? (0:37:26) Codey: So it’s only pink or black, which is ridiculous because bees aren’t yellow, but OK. (0:37:28) Al: Well, pink or black and yellow, yellow and black. (0:37:35) Al: OK, orange, whatever, I don’t know, pink or normal bee color. (0:37:36) Codey: I’m getting pedantic. You started the pedantry with the pink comment. (0:37:41) Al: There’s bees and then there’s pink bees and bees make honey and pink bees make pink honey. (0:37:47) Codey: OK. Is pink any more valuable? Are pink bees more difficult to raise? (0:37:49) Al: Yes. They’re not they’re not more difficult to raise. (0:37:55) Al: They’re just rarer to find. (0:37:57) Codey: Okay. And do you, like, find them in the wild and then bring them to your hives? (0:37:58) Al: So like I have, I think, 16 bees and I only have two pink bees. (0:38:06) Al: Yeah, you shake trees and the bees fall out the trees. (0:38:09) Codey: That is horrifying. Okay. Well, those are my questions. (0:38:11) Al: OK, so I guess I’ve done a bit of an intro. (0:38:19) Al: We’ve done some Cody questions. (0:38:22) Al: Let’s go through some of the mechanics. (0:38:24) Al: So one one thing about this game, I think I mentioned this last week. (0:38:29) Al: You won’t have heard of this, Cody, because you said you haven’t listened to that episode yet. (0:38:32) Codey: Correct. How does it limit you? (0:38:32) Al: But there is no stamina in this game and time, just time. (0:38:39) Al: So I actually quite like this. (0:38:41) Al: I did this in the last week’s episode, but I’m going to say it again, because it feels it feels relevant here. (0:38:45) Al: I like what one of the things that I’ve I’ve always felt a little bit weird about farming games is how you have two limiting factors. (0:38:52) Al: You have the time and you have the stamina. (0:38:54) Codey: Mm-hmm. (0:38:55) Al: And I’ve always felt frustrated by that, where, you know, you’re you’re like, oh, I have done everything I can do. (0:39:02) Al: Early game, I’ve run out of stamina. (0:39:05) Al: There’s nothing left to do. (0:39:06) Al: I have most of the day left because you have such low stamina at the beginning. (0:39:11) Al: And you’re like, I can either, I don’t know, go and buy some food to eat or I can just go to bed and do the next day. (0:39:18) Al: Right. So that’s why I quite often at the beginning of farming games speedrun these things. (0:39:22) Codey: Mm-hmm. (0:39:22) Al: Right. Because there’s nothing to do. (0:39:24) Al: You can’t do anything once you’ve run out of stamina. (0:39:26) Codey: Mm-hmm. (0:39:26) Al: But the nice thing about this game is that you can just fill your day with doing things. (0:39:32) Al: You can go mining or you can go bug catching or, you know, lots of other things. (0:39:42) Al: And not worry about your stamina. (0:39:43) Al: You’re just caring about the daytime. (0:39:46) Al: I quite like that because you’re still not you know, you’re still limited by money as well. (0:39:52) Al: Right. So like I can’t immediately go and make this massive farm full of crops. (0:39:57) Al: But being able to go fishing the entire day allows you to have a different way of doing things or going in mining because I’ll talk about the dungeons later. (0:40:07) Al: they’re quite a, quite different compared to other front. (0:40:11) Al: farming games, and it’s quite fun to be able to go through them and spend the entirety (0:40:16) Al: of your day once you’ve done your daily tasks, and just go see how far you can get through (0:40:21) Al: the dungeon. I quite like that. Obviously, there was the other option if you don’t want (0:40:27) Al: to, if you want to change that, so you only have one limiting factor, and you don’t want (0:40:32) Al: to get rid of stamina, the other option is you do a Shookajoo Island, and you only have (0:40:37) Al: stamina and the time is based on just when you say. (0:40:41) Al: Okay, I’m done. The day’s done. And I would like to see that in another game that is actually in (0:40:43) Codey: Yeah. (0:40:47) Al: a good game. I don’t think that was the problem with that game. There were many problems with (0:40:50) Codey: That’s fired. (0:40:51) Codey: Yeah. (0:40:52) Al: that game. I don’t think that was the problem. I would like to see a game try that again. (0:40:58) Al: But I like this as well. I think I like games when they try different things. And I think (0:41:03) Al: I think this is better. I’ll put that out there. I think Stardew would be better if it was like (0:41:04) Codey: Mm-hmm (0:41:08) Al: like this as well. (0:41:08) Codey: Is there a way to slow down time, okay (0:41:11) Al: No, give me two seconds and I’ll check because I’ve never cared about that in a game because, like, if you reduce the time, you still have a certain amount of time, right? Like, you’re still, well, it’s not even just that, right? Like, even in this game when you don’t have stamina, right? If you reduce the amount of time in the day, you still got a limited amount of time, right? It’s not like you can just infinitely grind (0:41:26) Codey: The stamina issues. Yeah. (0:41:42) Al: And I’ve always just found it funny because it’s like, oh, oh, no, I don’t have enough time to do everything that I want to do in the day. I’ve done my dailies, right? There’s plenty of time to do what I need to do every day. (0:41:53) Al: And those are the only things that actually matter getting done today because then there’s always tomorrow, right? These games never have a time limit. It’s not like, oh, I’m sorry, you’ve done X number of days, you can’t play the game anymore. (0:42:00) Codey: Yeah. Yeah. (0:42:07) Al: and even stardew which has the try and get a certain progress. (0:42:11) Al: end of two years, if you don’t manage it, you can just do it again. You can at any point (0:42:17) Al: go and do the, you know, talk to grandpa shrine and get your, I can’t even, oh yes, you get (0:42:26) Al: a statue if you have hit the certain amount. You just get it later, right? Like that’s (0:42:30) Al: the whole point of these games is they’re not meant to be stressful. They’re meant to (0:42:33) Al: be do what you want to do and continue. And so I’ve never felt the need to go, oh no, (0:42:38) Al: day needs to be longer because I need to spend more time in the (0:42:41) Al: line before going back to bed. Why? The only time I’ve ever found that to be an issue (0:42:48) Al: is in Stardew when you’re going down Skull Cavern because that resets if you leave. That’s (0:42:57) Al: the only time that that’s a problem. You can change the day length. You can do 100%, 125%, (0:43:00) Codey: Yeah. I think for me. OK. (0:43:05) Al: 150 percent, 200 percent. (0:43:08) Codey: OK, sweet. Yeah, my thing is like sometimes I just would rather have like (0:43:14) Codey: the day go a little bit slower so that I can make sure to get (0:43:19) Codey: because there’s been a lot of times in a Stardew or Coral Island or whatever (0:43:22) Codey: where I’m playing and then I lose track time because hot ADHD. (0:43:27) Codey: and then suddenly it’s like too late like the (0:43:30) Codey: the places are closed. (0:43:32) Al: Do you think a longer day would actually help with that or would it just mean that you’re (0:43:35) Al: forgetting about the day length for more time? (0:43:38) Codey: You know, it might shift the baseline, you’re not wrong. (0:43:41) Codey: But I think that usually it’s like (0:43:46) Codey: after I’m in the mine for a certain amount of time (0:43:50) Codey: or in the ocean for a certain amount of time or whatever, (0:43:52) Codey: I just kind of have like a sense. (0:43:53) Codey: I’m like, I should, like, it’s time to stop doing this. (0:43:57) Codey: And I don’t think that that would change. (0:43:59) Codey: Like, I don’t think that’s based on the time. (0:44:00) Codey: I think it’s just like, okay, I’m done now. (0:44:03) Codey: Like this, I’ve been doing this for 10 minutes (0:44:05) Codey: and I feel like this is a good amount of… (0:44:08) Codey: time to be doing all this stuff in these little caves in the sea or whatever in Coral Island. (0:44:16) Codey: Or I run out of inventory space is another thing and that usually takes a certain amount of time. (0:44:21) Al: Oh, yeah, inventory, remind me about that in a minute, I’ve got to talk about the inventory (0:44:25) Al: in this game. Yeah, I just I just feel like you’d get used to that. I feel like you would (0:44:25) Codey: No, no, okay. (0:44:30) Codey: Okay. (0:44:32) Al: just it would just be the same problem. It’s just instead of instead of wasting 15 minutes, (0:44:37) Al: you’d waste 30 minutes. But I mean, I don’t know. I feel it is it is there. Yeah. (0:44:40) Codey: But the option is there for people who might want to feel as though, as though they’re not stuck in a, in a hellscape of a mental. Yeah. (0:44:49) Al: Yeah, I’m not saying this option shouldn’t be there for the record. I just don’t think (0:44:53) Codey: Yes. (0:44:54) Al: it actually would solve anybody’s problems with these games. (0:44:58) Codey: Yep, I agree. You’re probably right. Cool. (0:45:02) Al: So yes, inventory. It’s hard to talk about inventory without talking about a lot of other (0:45:08) Al: things, so I’m trying to figure out where the best time to talk about that would be. (0:45:13) Al: Let’s talk about the pet, and then I’ll talk about inventory, and then I’ll talk about (0:45:18) Al: by farming, but those things are all (0:45:19) Al: very connected, and you’ll understand why in a minute. (0:45:20) Codey: Mm-hmm. (0:45:21) Al: So one of the big things about this game is you have a pet and your pet is very (0:45:22) Codey: OK. (0:45:24) Codey: Mm-hmm. (0:45:26) Al: functional, so the moment that you start the game, (0:45:29) Al: you have to go and get a pet and you choose what pet you want. (0:45:32) Al: And that is your pet. (0:45:33) Codey: What are the options? (0:45:34) Al: It is kind of the well, so it’s not like a cat or a dog. (0:45:39) Al: It’s just it’s it’s this kind of it almost looks like a hybrid cat dog. (0:45:46) Codey: Okay. (0:45:47) Al: it’s it’s got some kind of feline features and some (0:45:49) Al: canine features. Well, no, not really. Go look at some (0:45:51) Codey: So it’s a fox. (0:45:56) Al: pictures of it. You can get different colors, I think, but (0:45:56) Codey: I will, I will. (0:45:58) Codey: Okay, but it’s a pet. (0:46:00) Al: it’s it’s not yeah, it’s not meant to be this is a specific (0:46:02) Al: animal. It’s just called a pet. And I think you’ll (0:46:06) Al: understand when you look at it what I mean. And your pet is (0:46:11) Al: very functional. There are certain things that are required (0:46:19) Al: pet. So, for example, your pet is your watering can, right? You (0:46:25) Al: don’t have a watering can. Your pet is the thing that does the (0:46:27) Al: watering. You say water this square and it waters that (0:46:30) Al: square. Your pet does a bunch of other things as well. For (0:46:35) Al: example, your pet can give you extra inventory space. Your pet (0:46:39) Al: can attack enemies. Your pet also, as well as watering, does (0:46:43) Al: the digging up the ground so that you can you can. (0:46:49) Al: Place seeds. So it replaces a bunch of tools in the game and (0:46:56) Al: is required for that. But that means that when you’re (0:46:57) Codey: Mm-hmm (0:46:59) Al: upgrading those things, you’re essentially upgrading your pet’s (0:47:03) Al: ability. So say you start out, I can’t remember how many (0:47:08) Al: spots it is, but your pet has like a queue of things that (0:47:14) Al: you’ve told it to do, right? So say you say dig this square up, (0:47:20) Al: it takes time for them to do it and you can give it a certain (0:47:24) Al: number of things before you can stop. You can’t give it any (0:47:28) Al: more things to do. And it’s kind of like if you’re if you (0:47:33) Al: press and hold and drag, you can say do these nine squares and (0:47:39) Al: that adds all of those nine squares to its queue. So it (0:47:39) Codey: Okay. (0:47:42) Al: allows you to say, you kn
Stuart Laws is a comedian, actor, writer, producer, editor and director. He performs sketch comedy and stand-up comedy. He supported James Acaster on his UK tours and has appeared on and written for Radio 4, has two specials on NextUp Comedy, one on American label 800 Pound Gorilla Media, and has written a play The Journey, that debuted at The Edinburgh Fringe at The Pleasance in 2018. In 2021, he was nominated for Leicester Comedy Festival Best Show and in 2022 he was nominated for Comedians Choice Best Show. In 2023, his Fringe show was awarded 4.5 stars by Chortle. Stuart runs his own production company, Turtle Canyon Comedy, and writes and directs sketch shows, sitcoms, live shows and specials that have been shown on Netflix, Prime, BBC, Sky, ITV, Channel 4 and more. Stuart has directed Sindhu Vee, Nish Kumar, Rosie Jones, Suzi Ruffell, Paul Foot, Ivo Graham, Jess Fostekew, Jen Brister and Ian Smith's Specials. Stuart had a breakout year at Edinburgh Fringe 2024 for review with 9 x 4-star reviews and a British Comedy Guide Recommendation. Stuart was featured in The Scotsman, The Guardian, the I newspaper, 5 live and in the Times and the Telegraph best jokes of the Fringe selections. Stuart's most recent directing project is James Acaster's ‘Hecklers Welcome', Acaster's first HBO Special. His latest special, ‘Stuart Laws, Is That Guy Still Going?' Is now available on YouTube under 800 pound gorilla (links below). Comedy shows – Stuart Laws has to be Joking?: Everyone's dealt with it: first, a bad breakup; then, become a puffin island caretaker; suddenly, you're implicated in a puffin murder. A classic. You know how it goes. A vibe shift for acclaimed comedian Stuart Laws. ****½ (Chortle.co.uk). Stand-up comedy/theatre hybrid. Praise for his previous theatrical work: 'I left this show with the chills and feeling just a bit shaken' (MumbleTheatre.uk). 'It is really smart stuff, elegantly exposing hypocrisy' (Stage). 'Fantastically funny' (EdFestMag.com). 'One of the most skilled and likeable comics... a deliciously joke-dense show' (Scotsman). We chat about Michael Caine's iconic delivery of the line ‘Never' and making a show about it, directing and producing, his new Edinburgh shows, authenticity and real self, almost quitting comedy, flow state, being good at comedy, saying no, posting quality plus plenty more! Check Stuart out on: Instagram: https://www.instagram.com/stuartlawscomedy/ Comedy Special: https://800pgr.lnk.to/thatguy?fbclid=PAZXh0bgNhZW0CMTEAAaeMNrDccTIlOuMFvbbVBvalQL4Dp6yMwvA8t0TklzMLkY89HvRCdrwyOLpkSQ_aem_S4AT3qIopeJHSO5szqwoCQ Tickets: https://linktr.ee/stuartlawscomedy?fbclid=PAZXh0bgNhZW0CMTEAAacaAgRfREt9v53YRPXM9SfwuD64zafU06nEfaN9iKjqQuz--Nm-SOz1Kbizhg_aem_Mi6Sbw1Foi1AZrkeIQictA Youtube: https://www.youtube.com/channel/UC97T7gP1Ai1z19MR3-S40vw Website: https://www.stuartlaws.com/ ------------------------------------------- Follow @Funny in Failure on Instagram and Facebook https://www.instagram.com/funnyinfailure/ https://www.facebook.com/funnyinfailure/ and @Michael_Kahan on Insta & Twitter to keep up to date with the latest info. https://www.instagram.com/michael_kahan/ https://twitter.com/Michael_Kahan
The Acolyte is a mystery-thriller set in the final days of the High Republic era, exploring the rise of dark side powers in a galaxy on the brink of transformation. The story follows a former Padawan reuniting with her Jedi Master to investigate a series of crimes—only to uncover sinister secrets. This podcast episode contains spoilers, so consider this your warning before diving in. #TheAcolyte #StarWars #Podcast #SpoilersAhead #Jedi #DarkSide
Jane Lewis is joined by Livingston defender Ryan McGowan and Scotsman sports editor Mark Atkinson to discuss potential financial investment into Hearts, the Tynecastle managerial vacancy and the Football Writers awards shortlist.
The Curmudgeon Supreme and I read David Stevenson's article "James Anderson: Man & Mason" about James Anderson, one of the masons who helped assemble the Constitutions of the Free-Masons of 1723.This article was first published in the Heredom Volume 10, 2002, a research journal put out by the Scottish Rite. For many years, Doctor James Anderson has been accused of many negative reasons for helping to put together what we now know as the Constitutions of the Free-Masons of 1723 & 1738.There is a lot that was going on during that time in and around England. England, Scotland, and Ireland were all fighting against each other, so why did these London Masons choose a short, red-headed Scotsman to help put together one of the most important Masonic documents ever published?The origins of this mysterious Masonic document have been actively researched and analyzed, critiqued, and ignored since it first appeared in 1723, and we still do not fully understand why it was produced in the first place.Brother David Stevenson is the author of both "The Origins of Freemasonry, Scotland's Century 1590-1710" and "The First Freemasons - Scotland's Early Lodges and Their Members 1988.Let us keep exploring the mysterious origins of Masonry and Freemasonry with ruthless abandon.Follow me on:Instagram @masonicmuscleTikTok @masonicmsucle357Write me at masonicmsucle357@gmail.com if you have questions or suggestions for research on the enigmatic and mysterious origins of freemasonry.
On the latest episode of Colossally, join Matt Bishop and Richard Williams as they reappraise the life and career of a driver regarded by many as the quickest to ever sit in a Formula 1 car: Jim Clark. A double world champion in the 1960s and STILL to this day the driver with the most 'grand slam' grand prix weekends (pole, victory, fastest lap, every racing lap led), Clark was widely considered among his fellow racers (and by Ayrton Senna, no less) to be a cut above - and on this podcast we'll try to explain why. In doing so, Richard shares some incredible stories of watching Clark race first-hand, including his memories of seeing a young Clark win four races in one meeting, when the Scot was climbing the ladder to F1. There's chat about Clark's most famous days behind the wheel, his relationship with iconic Lotus boss Colin Chapman, and about the harrowing moments that made him question whether he should race on. Matt and Richard also discuss Clark's idiosyncrasies out of the car, and the unique skillset that made Clark so quick - and possibly the quickest ever - when he jumped into the driver's seat. Matt also shares an incredibly poignant story about visiting Clark's memorial at the Hockenheim circuit, where, completely by chance, he bumped into someone with vivid memories of the Scotsman's final moments. Matt and Richard will be bringing members an exclusive Q&A episode at the end of Season 3, where they'll answer questions on each of the topics covered. So if you'd like to ask a question about Jim Clark, head to Patreon.com/therace Buy some Colossally merch! Visit The Race Shop Follow The Race on Instagram, Twitter and Facebook Check out our latest videos on YouTube A Race Media Production Producer: Jonny Reynolds With special thanks to Tim Silvey for studio support Learn more about your ad choices. Visit megaphone.fm/adchoices
On the latest episode of Colossally, join Matt Bishop and Richard Williams as they reappraise the life and career of a driver regarded by many as the quickest to ever sit in a Formula 1 car: Jim Clark.A double world champion in the 1960s and STILL to this day the driver with the most 'grand slam' grand prix weekends (pole, victory, fastest lap, every racing lap led), Clark was widely considered among his fellow racers (and by Ayrton Senna, no less) to be a cut above - and on this podcast we'll try to explain why.In doing so, Richard shares some incredible stories of watching Clark race first-hand, including his memories of seeing a young Clark win four races in one meeting, when the Scot was climbing the ladder to F1.There's chat about Clark's most famous days behind the wheel, his relationship with iconic Lotus boss Colin Chapman, and about the harrowing moments that made him question whether he should race on. Matt and Richard also discuss Clark's idiosyncrasies out of the car, and the unique skillset that made Clark so quick - and possibly the quickest ever - when he jumped into the driver's seat.Matt also shares an incredibly poignant story about visiting Clark's memorial at the Hockenheim circuit, where, completely by chance, he bumped into someone with vivid memories of the Scotsman's final moments. Matt and Richard will be bringing members an exclusive Q&A episode at the end of Season 3, where they'll answer questions on each of the topics covered. So if you'd like to ask a question about Jim Clark, head to Patreon.com/therace Buy some Colossally merch! Visit The Race Shop Follow The Race on Instagram, Twitter and Facebook Check out our latest videos on YouTubeA Race Media ProductionProducer: Jonny ReynoldsWith special thanks to Tim Silvey for studio support Hosted on Acast. See acast.com/privacy for more information.
An early release because... reasons I guess. Anyway, Today, we meet a new friend named Jacob and we reunited with our pal Kimmie as they join us in this thrilling and weird episode of Timejail! What happens when a soldier from an apocalyptic future, a Scotsman from a tiny war, a thief who steals from demons, and a child in shark pajamas get locked in Timejail? Well...*shrugs*Say Hi on our website
In this episode, we interview Andrew Marquis, the #7 loan officer on the Scotsman's Guide, who grew his production by over $100 million in one year. Learn how he's turning a tough market into massive opportunity—and how you can, too. Here's what you'll discover: Andrew's mindset shift that helped him grow in a down market (and how you can adopt it today). His exact strategy for outpacing referral partner attrition and adding $80M+ producing agents to his network. How he uses a simple, value-driven script to book meetings with top real estate agents—even when they say “not now.” If you're a loan officer looking to grow your referral network, boost lead volume, and build lasting partnerships in today's market—don't miss this episode. Listen now, subscribe, and leave a comment to let Andrew know what stood out to you!
In the second episode of this series, we get invited to spend an afternoon at the plush environs of the Prince of Wales country club in Santiago, Chile. Here, some of the country's national rugby players are putting kids through their paces and they themselves prepare for a first ever Rugby World Cup.A snoop around a flea market, then, tips me off about a storied football club, Club Deportivo Palestino. We meet the fans and those running the club, which is a representation of Palestinian identity in Chile.Finally, we meet Eddio Inostroza who was assistant to the enigmatic Mirko Josic, who came from Yugoslavia to lead the Colo-Colo club to their highest ever point as a club.Also, there is the story of Puskas in Chile, the Battle of Macul and the story behind Chile's two World Rugby hall of famers.Before all that, there's part two of the Patagonian hitchhiking journey, as Eoin tries to get himself to the town of Esquel.Follow Eoin…https://www.instagram.com/eoinsheahan/https://x.com/EoinSheahanhttps://www.tiktok.com/@eoinsheahanEmail: eoinsheahan1@gmail.com
This week we are are dipping our toes into medical history, discussing the life and times of the fastest surgeon (possibly) ever. A native Scotsman, Robert Liston was already an accomplished surgeon while still in his teens. But while his talent was great, his ego appeared to be even greater.After annoying his colleagues in Edinburgh for over a decade, Robert found himself being passed over for plumb positions to the point that he decided to move to London to see if the English would be more appreciative of his skills (and tolerant of his personality).A man who combined natural talent with an inventive mind and a total inability to accept anything other than perfection, Robert Liston was definitely the may you wanted in charge of your operation, but the last person you would ever want to work with.Guest Host: Ang Reddoch Hosted on Acast. See acast.com/privacy for more information.
Welcome to 6° of Schwarzenegger, where hosts Kevin and Eric take a deep dive into the action-packed world of Lionheart! In this episode, we break down Jean-Claude Van Damme's 1990 cult classic, following Lyon Gaultier's journey from the French Foreign Legion to underground street fights in LA. From his brother's tragic death to epic battles against foes like the Scotsman, we explore the film's 80s and 90s action vibes, Cynthia's relentless seduction attempts, and Joshua's unwavering bromance. Packed with high-waisted jeans, roller-skating bet-takers, and a Pretty Woman-style montage, we dissect the plot, production quirks (same hospital as Hard to Kill!), and Van Damme's signature sad saxophone moments. Plus, we spotlight a young Ashley Johnson and debate the film's Street Fighter-esque flair. Join us for action movie nostalgia, bourbon-fueled banter, and a nod to Arnold's self-aware legacy.
Send us a textWelcome back to paradise, where the rosé is chilled, the sun strokes the sea, and your third ear is tuned to the gospel according to Hugh.This week, I take you deep into the delirious heart of Wall Street circa 2006, an era of mutual fund gods, tax-deductible lap dances, and a man named Scotty who nearly exploded trying to mask the scent of strippers with gasoline.Yes, really.In a 15-minute acid-laced recital, I read a wild chapter from Derek Wallis' Occupy a Job on Wall Street. It's called Gasoline Stripper, but I've renamed it The Last Scotsman on Wall Street, a madcap tale of booze, bravado, and the slow incineration of financial decorum.I riff, I reminisce (shoutout to Dolcis shoes and the Edinburgh's Balmoral Hotel and wine lunches of yore), and I ask the only question that matters:Can you survive Wall Street if you're the kind of guy who thinks strawberry daiquiris excuse drunk driving?Spoiler: probably not.Pour yourself something cold, take a walk with me through midtown madness and fiscal fireballs, and if you're feeling bold, come to the Acid Capitalist Summer Camp 3.0 this August 17th in St. Barts.Come as a stranger. Leave as a legend. https://www.acidcapitalretreat.comAnd I'm delighted to announce that we were selected by FeedSpot as one of the Top 30 Hedge Fund Podcasts on the web. https://podcast.feedspot.com/hedge_fund_podcasts/?feedid=5211632&_src=f2_featured_emailFind Derek Wallis' book here
In this episode, we sit down with bestselling author Pepper Basham, known for her captivating stories featuring heartwarming romance and her newest novel with a charming Scotsman! Join us as Pepper shares the inspiration behind her beloved novels, her creative process, and what it's like to write stories that blend wit, romance, and rich historical settings.Pepper opens up about the role of her faith in her writing journey and how it shapes the stories she tells. She shares wise words from her years of experience as a seasoned author, offering insight into how to stay grounded in the midst of a writing career and stay true to your voice. We also dive into her passion for creating characters who not only make readers laugh but also learn and grow, making every story not just entertaining but meaningful.Whether you're a fan of Pepper's books or just love stories full of warmth, humor, and delightful charm, this episode will leave you feeling peppered with joy.Tune in for a delightful conversation filled with inspiration, laughter, and plenty of hot Scots!Today's Solid Sponsor:Today's episode of the Booked Solid podcast is brought to you by Kelly Greer, travel designer with Holiday Road Adventures. Get Booked Solid—on your perfect getaway!“Traveling leaves you speechless and then turns you into a storyteller.” — Kelly GreerFind Kelly on her website, Instagram, and/or email her directly with inquiries: kelly.greer@holidayroadadventures.com.Find us on Instagram:@bookedsolidpod, @hannahbooksit, @stephanienmack Subscribe to Hannah's NewsletterSubscribe to Stephanie's NewsletterToday's Solid Books:Some Like it Scot by Pepper BashamAuthentically Izzy by Pepper Basham
Martin Dowden is joined by Mark Atkinson of The Scotsman and Livingston defender Ryan McGowan as we discuss Neil Lennon's unveiling as Dunfermline manager, the Championship title race and we take a deeper look at Hearts this season.
On this episode, Cody and Steve tackle another giant in the American pantheon, the bastard, orphan, son of a whore and a Scotsman, Alexander Hamilton.Sources· Brookheiser, Richard. Alexander Hamilton: American. New York City, NY: The Free Press, 1999.· Chernow, Ron. Alexander Hamilton. New York City, NY: Penguin, 2005.· Freeman, Joanne B. The Essenial Hamilton: Letters and Other Writings. New York City, NY: Library of America, 2017.· Hendrickson, Robert. Hamilton I (1757-89). New York City, NY: Mason Charter, 1976.· Randall, Willard Sterne. Alexander Hamilton: A Life. New York City, NY: Harper Collins, 2003.· See pinned post on Bluesky for general sources Hosted on Acast. See acast.com/privacy for more information.
The 6 Nations is over and it was another fantastic tournament. Super Saturday dealt up three very decent games - all going to form! As usual, I got a load of special guests to discuss everything that happened. For France vs Scotland - I spoke with Bruce Aitchison - a frustrated but proud Scotsman. For Wales vs England - I spoke with Huw Jones and we discussed England's record win against Wales. But we start with Italy vs Ireland where I spoke with Simon Elkinson who was in a reflective mood following the culmination of another amazing tournament. LINKS Bruce Aitchison - http://happinessiseggshaped.org/ GET STASH England Rugby Store - https://ers.pxf.io/KjV30v British & Irish Lions Store - https://bil.sjv.io/9gNaL4 BUY ME A COFFEE Coffee helps me make more and better episodes. https://www.buymeacoffee.com/amateurrugbypodcast PATREON Join The Amateur Rugby Podcast Patreon community for some extra amateur rugby goodness! (https://patreon.com/amateurrugbypodcast) SUPPORT If you would like to support the podcast in some way there are plenty of options for you on my Support the Podcast (https://www.amateurrugbypodcast.com/support/) page.
Alistair Grant, Rachel Amery, David Bol and Alexander Brown discuss the UK Government's welfare reform plans and the future of Grangemouth. Plus, The Scotsman's education correspondent Calum Ross details the crisis facing Dundee University after an extraordinary committee session in the Scottish Parliament. Learn more about your ad choices. Visit megaphone.fm/adchoices
A Dramatic SaturdayFirst a look at the events of the dayThen Big Town starring Edward Pawley, originally broadcast March 15, 1949, 76 years ago, The Shiny Gun. A young boy shoots his friend while playing with his father's loaded gun. Running from the law, he hides out in the sewer pipes. Followed by Mr. District Attorney starring David Brian, originally broadcast March 15, 1953, 73 years ago, The Case of the Lovers Lane Killing. A rich girl has been attacked on a back road...and her boyfriend has been killed. Then, Dragnet starring Jack Webb, originally broadcast on March 15, 1953, 72 years ago—The Big Impossible. Bernie Hanson has been identified as the head of a team robbing markets, but he has a good alibi. He is hospitalized and cannot leave his bed! Followed by Quiet Please starring Ernest Chappell, originally broadcast March 15, 1948, 77 years ago, Meeting at Ticonderoga. A Scotsman saves the life of a murderer, not knowing that the man's victim was a kinsman. Years later, during the French and Indian war, the two meet again. Finally, Claudia, originally broadcast March 15, 1949, 76 years ago, Vying for Silence. The phone rings, but there's no one there. Thanks to Honeywell for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamIf you like what we do here, visit our friend Jay at http://radio.macinmind.com for great old-time radio shows 24 hours a day
Tim Ulbrich, YFP Co-Founder is joined by mortgage loan officer Tony Umholtz to discuss the mortgage process. They break down key steps, from getting pre-approved to closing, highlighting important considerations and common mistakes to avoid when buying a home. This episode is brought to you by First Horizon. Summary In this episode, Tim Ulbrich, YFP Co-Founder and CEO is joined by Tony Umholtz, a mortgage loan officer with First Horizon Bank as they break down one of the biggest financial commitments you'll ever make—buying a home. Taking out a mortgage is a massive financial decision, one that can impact your life for decades. From getting pre-approved to signing those final papers at closing, there's a lot to consider—and a lot of mistakes to avoid. Tim and Tony walk listeners through the mortgage process step by step. They cover what you need to know before getting pre-approved, how the bank sets your max loan amount, and how to avoid common pitfalls throughout the process. About Today's Guest Tony Umholtz is the Senior VP of Mortgage Banking at First Horizon. He graduated Cum Laude from the University of South Florida with a B.S. in Finance from the Muma College of Business. He then went on to complete his MBA. While at USF, Tony was part of the inaugural football team in 1997. He earned both Academic and AP All-American Honors during his collegiate career. After college, Tony had the opportunity to sign contracts with several NFL teams including the Tennessee Titans, New York Giants, and the New England Patriots. Being active in the community is also important to Tony. He has served or serves as a board member for several charitable and non-profit organizations including board member for the Salvation Army, FCA Tampa Bay, and the USF National Alumni Association. Having orchestrated over $1.1 billion in lending volume during his career, Tony has consistently been ranked as one of the top mortgage loan officers in the industry by the Scotsman's Guide, Mortgage Executive magazine, and Mortgage Originator magazine. Mentioned on the Show YFP Mortgage Calculator YFP Episode 212: Common Credit Blunders to Avoid When Buying a Home YFP Episode 380: Understanding and Improving Your Credit YFP Article: 5 Easy Steps to Get a Home Loan…Even If You Don't Have 20% Down First Horizon YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tony Umholtz on LinkedIn
Maria Decotis! Comedian! Actor! Writer! Friend! Delight! More! Maria has been featured in Rolling Stone, Wall Street Journal, Today, New York Times, The Guardian, Vogue, New York Magazine, and many more for her comedy videos and her work has been shared by several celebrities including Ben Stiller, Stephen Colbert, Chrissy Teigen, Lin-Manuel Miranda, Padma Lakshmi, and Natasha Lyonne. She opened for Mike Birbiglia on Broadway! She earned a BFA in Acting from Boston University, studied Commedia dell'Arte in Italy, and trained in advanced Improv and Character at the Upright Citizens Brigade Theater. Her subsequent original comedy videos have garnered millions of views ranging from her Pope impressions and commentary on sexism to her poignant "Subway Takes" feature. On stage, she recently completed a critically-acclaimed run during the Edinburgh Fringe Festival starring in the dramatic one-woman play Before the Drugs Kick In as well as her own one-woman comedy show Emotionally Unreasonable, and has been touring both shows since. Some of Maria's other notable credits include Comedy Central, HBO Women in Comedy Festival, SXSW, and headlining the New York Comedy Festival. Learn more: mariadecotis.com During her wildly successful 2023 Edinburgh Fringe run, she was featured in Playbill and The Scotsman said, “DeCotis is the best new American stand-up I've seen since Michelle Wolf. Do whatever you can to see her because the next chance you get she'll be starring in her own Netflix special.” Emotionally Unreasonable was named one of the top Edinburgh Fringe Shows by EuroNews, nominated for the Off West End Award and received a number of outstanding reviews! She also has a monthly show at The Stand in NYC called "Fembots." The next one will be Wednesday, March 19th (2025) at 7:00pm AND you can follow her on social media @mariadecotis for dates of her critically acclaimed solo show "Emotionally Unreasonable"! And this is only HALF of our chat! For the other half, subscribe via Apple Podcasts OR merely click on over here to Patreon!
Paris Saint Germain were amazing…they just weren't quite as good as Alisson Becker. Liverpool's one nil win in the French capital was largely down to the outstanding performance of their goalkeeper – have the panel ever seen better? What did PSG do to test Liverpool more than any other side so far this season? Arsenal are all but through, but would they rather play Real or Atletico Madrid next?Villa could well face Liverpool next, if they do, could Emery work his European magic?Gregor has been to Naples to see ‘the other Scotsman' Billy Gilmour – he was very impressed. Hosted on Acast. See acast.com/privacy for more information.
As the Trump administration pauses military aid to Ukraine we look back at the events of the past week which led up to this.We begin with Starmer's "charm offensive" at the White House, his attempts to appease Trump, and his attempts to bridge the growing gap between the US and Europe.It all seemed to come crashing down with that appalling pool spray ambush of Zelenskyy by Trump and Vance, aided by a right wing "journalist" .We ask where this leaves Ukraine, the UK/US special relationship, and Scotland.As Trump cuts aid to Ukraine it continues to pour into Israel as it looks as if Netanyahu may be engineering a return to the IDF's assault on Gaza while stopping all humanitarian aid to the Palestinian people. John Swinney has called a summit to counter the rise of Reform and has invited political parties, trade unions, civic and faith leaders to attend. Lesley questions whether warm words are enough and that action on progressive economic policies are what is really required to combat the right.Labour's New Deal for Working People has suffered yet another watering down in its progress through Parliament. Is Labour totally in thrall to business interests in its drive for growth?It's the 30th anniversary of the groundbreaking publication of The Scotswoman edition of the Scotsman. Lesley looks back and how it why it happened .If you want to watch the videos she's made about this and other topics nip over to her YouTube channel where you can like and subscribe.https://www.youtube.com/@Lesley_Riddoch ★ Support this podcast ★
In this episode of the Advanced Refrigeration Podcast hosts Brett Wetzel and Kevin Compass share experiences tackling a Cascade CO2 startup. They dive into the pros and cons of using Cascade CO2 systems, the numerous check valve issues encountered, and the mishaps that come with working under freezing conditions. The conversation takes a humorous turn with personal anecdotes about electric shock, incorrect piping, and even meeting a Scotsman with a charming accent. Tune in for an informative yet entertaining discussion on advanced refrigeration systems.00:00 Introduction and Greetings00:27 CO2 Cascade System Challenges02:00 Check Valve Issues and Solutions03:40 Startup Troubles and Cold Weather15:24 Communication and Wiring Problems21:29 Case Assembly and Initial Setup22:03 Backwards Pipe Case Issues23:03 Check Valves and EPRs Discussion24:46 Startup Challenges and Solutions27:24 CO2 and Refrigeration Systems31:41 Final Thoughts and Reflections
In this episode of the Advanced Refrigeration Podcast hosts Brett Wetzel and Kevin Compass share experiences tackling a Cascade CO2 startup. They dive into the pros and cons of using Cascade CO2 systems, the numerous check valve issues encountered, and the mishaps that come with working under freezing conditions. The conversation takes a humorous turn with personal anecdotes about electric shock, incorrect piping, and even meeting a Scotsman with a charming accent. Tune in for an informative yet entertaining discussion on advanced refrigeration systems.00:00 Introduction and Greetings00:27 CO2 Cascade System Challenges02:00 Check Valve Issues and Solutions03:40 Startup Troubles and Cold Weather15:24 Communication and Wiring Problems21:29 Case Assembly and Initial Setup22:03 Backwards Pipe Case Issues23:03 Check Valves and EPRs Discussion24:46 Startup Challenges and Solutions27:24 CO2 and Refrigeration Systems31:41 Final Thoughts and Reflections
30 years ago: Computer industry booms as consoles slump, Nintendo announces Ultra64 & The internet gets scary These stories and many more on this episode of the VGNRTM! This episode we will look back at the biggest stories in and around the video game industry in August 1994. As always, we'll mostly be using magazine cover dates, and those are of course always a bit behind the actual events. Alex Smith of They Create Worlds is our cohost. Check out his podcast here: https://www.theycreateworlds.com/ and order his book here: https://www.theycreateworlds.com/book Get us on your mobile device: Android: https://www.google.com/podcasts?feed=aHR0cHM6Ly92aWRlb2dhbWVuZXdzcm9vbXRpbWVtYWNoaW5lLmxpYnN5bi5jb20vcnNz iOS: https://podcasts.apple.com/de/podcast/video-game-newsroom-time-machine And if you like what we are doing here at the podcast, don't forget to like us on your podcasting app of choice, YouTube, and/or support us on patreon! https://www.patreon.com/VGNRTM Send comments on Mastodon @videogamenewsroomtimemachine@oldbytes.space Or twitter @videogamenewsr2 Or Instagram https://www.instagram.com/vgnrtm Or videogamenewsroomtimemachine@gmail.com Links: If you don't see all the links, find them here: https://www.patreon.com/posts/123352781/edit 7 Minutes in Heaven: Cliffhanger (Amiga) Video Version: https://youtu.be/KZ7J9qEpqxI https://www.mobygames.com/game/29830/cliffhanger/ Corrections: July 1994 Ep - https://www.patreon.com/posts/july-1994-part-1-116538490 https://www.patreon.com/posts/july-1994-part-2-116538674 Ethan's fine site The History of How We Play: https://thehistoryofhowweplay.wordpress.com/ Defunctland Jim Henson Series - https://youtu.be/BVoGf1JTVeI?si=PBwUInz2t7hBe-Eq https://en.wikipedia.org/wiki/Information_superhighway https://en.namu.wiki/w/RX-78%20Gundam https://fallout.fandom.com/wiki/SPECIAL https://www.theycreateworlds.com/episodes/TCW164 https://en.wikipedia.org/wiki/Monte_Cook Wrestling with Games - XBAND - https://youtu.be/k_5M-z_RUKA?si=tuuDxPGj6GnTPc-B https://en.wikipedia.org/wiki/Steam_(service) 1994: Canada to get their own ratings New VCR proves 6 heads are better than 1, The Toronto Star, August 11, 1994,Thursday, FINAL EDITION, Section: FAST FORWARD; Pg. F2, byline: BY ROBERT WRIGHT TORONTO STARON THE EDGE California presses forward with video game violence bill https://www.retromags.com/files/file/3018-egm2-issue-02-august-1994/ pg. 29 https://www.latimes.com/archives/la-xpm-1994-04-13-mn-45306-story.html IDSA board selected Mattel takes a second look at games Mattel Hires Sega Executive, The Associated Press, August 2, 1994, Tuesday, BC cycle Square goes public CORPORATE PROFILE: SQUARE, Jiji Press Ticker Service, AUGUST 5, 1994, FRIDAY Japanese companies playing with fire "As derivatives proliferate, so do worries Companies try to control risks from transactions intended to rein in costs but which can backfire, The Nikkei Weekly (Japan), August 15, 1994, Section: FINANCE; Pg. 13, Byline: BY ASAKO ISHIBASHI Staff writer" Acclaim buys Valiant ACCLAIM ACQUIRES VOYAGER COMMUNICATIONS FOR $65 MILLION Marks Company's Diversification into Comic Book Publishing, Business Wire, August 2, 1994, Tuesday https://en.wikipedia.org/wiki/Comic_book_collecting#Bust_of_the_speculator_market UK video rental market embraces games... illegally Games Spark Sagging U.K. Vid Biz; But Many Don't Have Licenses To Rent Them, Billboard, August 13, 1994, Section: HOME VIDEO; Pg. 76, Byline: BY PETER DEAN Sonic out to zap the 'swapping' boom, The Scotsman, August 23, 1994, Tuesday, Byline: By Chris Mullinger UK teens tune out to games MEDIA GUARDIAN: LUST FOR NASTIES AND HARD NEWS, The Guardian (London), August 8, 1994, Section: THE GUARDIAN FEATURES PAGE; Pg. T17 Sega announces US theme park Universal Teams With Sega on Theme Park, Disneyland Annex Scaled Back, The Associated Press, August 12, 1994, Friday, AM cycle, Section: Business News, Byline: By E. SCOTT RECKARD, AP Business Writer Report: Sega Plan to Open 50 High-Tech Theme Parks in U.S., The Associated Press, August 16, 1994, Tuesday, BC cycle, Section: Business News Sega buys Data East Pinball Sega acquires Data East Pinball, Business Wire, August 26, 1994, Friday Doom coming to arcades DOOM IS ALL AROUND US, Business Week, August 1, 1994, Business and Industry, Section: Pg. 72; https://doom.fandom.com/wiki/Trivia https://www.doomworld.com/forum/topic/112509-share-your-epic-doom-related-stories/ Atari Games President passes Play Meter, August 1994, pg. 32 Hasbro readies to enter VR market No Headline In Original, ADWEEK, August 15, 1994, Eastern Edition, Byline: By Jennifer Comiteau and Penny Warneford, with Cathy Taylor https://www.unseen64.net/2018/10/04/hasbro-toaster-virtual-reality-console/ Begone Project Reality, all hail Ultra 64 https://www.retromags.com/files/file/3018-egm2-issue-02-august-1994/ pg. 28 Sega teams up with Hitachi in Japan HITACHI SALES TO HELP SEGA MARKET VIDEO GAMES, Jiji Press Ticker Service, AUGUST 3, 1994, WEDNESDAY Sega, Hitachi Sales link up to sell video game machine, Japan Economic Newswire, AUGUST 3, 1994, WEDNESDAY Sega buys Cross Products The leading video game development tool, Business Wire, August 15, 1994, Monday https://segaretro.org/Cross_Products https://web.archive.org/web/19961227100911/http://www.crossprod.co.uk/ Jaguar CD to launch by Xmas https://www.retromags.com/files/file/3018-egm2-issue-02-august-1994/ pg. 29 ATARI CORP. ANNOUNCES SECOND QUARTER 1994 RESULTS, PR Newswire, August 1, 1994, Monday - 19:55 Eastern Time, Section: Financial News Sanyo gives console market a TRY SANYO TO RELEASE INTERACTIVE GAME MACHINE TRY, Jiji Press Ticker Service, AUGUST 31, 1994, WEDNESDAY 3DO announces losses Video Game System Company Posts $ 16.1 Million First-Quarter Loss, The Associated Press, August 11, 1994, Thursday, AM cycle, Section: Business News COMPANY NEWS; SHARES OF 3DO SOAR ON FORECAST FOR NEW SYSTEM, The New York Times, August 24, 1994, Wednesday, Late Edition - Final, Distribution: Financial Desk, Section: Section D; ; Section D; Page 3; Column 1; Financial Desk ; Column 1; 3DO UNVEILS PLANS TO BOOST POWER OF GAME PLAYERS, WALL STREET JOURNAL, August 25, 1994, Thursday, Section: Section B; Page 8, Column 4, Byline: BY JIM CARLTON ANOTHER KEY EXEC DEPARTS O&M'S, INTERACTIVE GROUP; 3DO POWERS UP TO MEET COMPETITION; INTERACTING:; OTHER NEWS: Advertising Age, August 29, 1994, Section: Pg. 14 Mortal Friday gets $10 million budget ACCLAIM'S 'MORTAL KOMBAT II' PREPARED TO STRIKE ON 'MORTAL FRIDAY,' SEPTEMBER 9; Company Spending Over $10 Million on Global Launch, Business Wire, August 4, 1994, Thursday https://archive.org/details/Computer_Gaming_World_Issue_121/page/n29/mode/2up Acclaim buys into FMV Playthings, August 1994, pg. 19 https://archive.org/details/GamePro_Issue_061_August_1994/page/n157/mode/1up?view=theater Macromedia and Microware want to bring PCs and ITV together Agreement to Make Computer Programs Available for Interactive TV Use, The Associated Press, August 1, 1994, Monday, AM cycle, Section: Business News, Byline: By STEVEN P. ROSENFELD, AP Business Writer https://en.wikipedia.org/wiki/Macromedia https://en.wikipedia.org/wiki/Microware Computer industry profits boom Not drowning, waving at profits, The Age (Melbourne, Australia), August 2, 1994 Tuesday, Late Edition, Section: COMPUTERS; Mass Storage; Pg. 34 SPA reports huge boom in sales "NORTH AMERICAN PC SOFTWARE SALES REACH $1.48 BILLION, IN FIRST QUARTER 1994; HOME EDUCATION SALES LEAD GROWTH -- UP 128%, PR Newswire, August 8, 1994, Monday - 14:29 Eastern Time, Section: Financial News" CDRom bundles discouraging sales Dataquest Consumer Survey Shows Where CD-ROM Title Developers Can Be Successful, Business Wire, August 8, 1994, Monday Sirius Publishing to release long-awaited 5-ft. 10-Pak Volume II, Business Wire, August 8, 1994, Monday https://archive.org/details/PC-Player-German-Magazine-1994-08/page/n15/mode/2up https://archive.org/details/Electronic-Games-1994-08/page/14/mode/2up Flash memory prices tumbling Not drowning, waving at profits, The Age (Melbourne, Australia), August 2, 1994 Tuesday, Late Edition, Section: COMPUTERS; Mass Storage; Pg. 34 https://en.wikipedia.org/wiki/Flash_memory Cyrix to take on AMD Infoworld August 8, 1994, pg. 5 Employers begin to crackdown on games Games they play, The Times, August 1, 1994, Monday, Section: Business, Byline: Jon Ashworth Microsoft targets "loosely supervised Executives" SUNDAY, August 7, 1994; Playing Games at Work, The New York Times, August 7, 1994, Sunday, Late Edition - Final, Distribution: Magazine Desk, Section: Section 6; ; Section 6; Page 12; Column 1; Magazine Desk ; Column 1; MacPlay expands lineup Playthings, August 1994, pg. 44 Ad game business booming in Germany https://archive.org/details/PC-Player-German-Magazine-1994-08/page/n29/mode/2up Media Vision collapse profiled https://archive.org/details/Electronic-Games-1994-08/page/10/mode/2up https://archive.org/details/Electronic-Games-1994-08/page/12/mode/2up Victormaxx announces Cybermaxx Virtual Reality Headset For PCs A Reality, Newsbytes News Network, August 5, 1994 http://videogamekraken.com/cybermaxx-by-victormaxx Mice go 3D Echoes of Silicon Valley, Agence France Presse -- English, August 04, 1994 08:13 Eastern Time, Section: Domestic, non-Washington, general news item, Dateline: PALO ALTO, California, Aug 4 https://www.ebay.com/itm/304724946528 Microprose to bring Magic to PC IT'S IN THE CARDS' FOR MICROPROSE(R) AND WIZARDS OF THE COAST(R);PR Newswire, August 10, 1994, Wednesday - 17:23 Eastern Time, Section: State and Regional News https://www.mobygames.com/game/530/magic-the-gathering/ https://www.mobygames.com/game/6274/magic-the-gathering-battlemage/ Star Trek licenses are a mess https://archive.org/details/Electronic-Games-1994-08/page/14/mode/2up TEN to bring SimCity online Total Entertainment Network will feature online debut of popular SimCity, game, Business Wire, August 10, 1994, Wednesday The web becomes a scary place E-mail evil, The Jerusalem Post, August 4, 1994, Thursday, Section: OPINION; Pg. 6, Byline: SANDY ROVNER Siliwood goes Online DISNEY, AMERITECH, BELLSOUTH AND SOUTHWESTERN BELL PLAN ALLIANCE TO DEVELOP AND OFFER VIDEO SERVICES, PR Newswire, August 8, 1994, Monday - 13:31 Eastern Time, Section: Financial News Fujitsu brings habitat back to USA Fujitsu to start 'cyberspace' game business in U.S., Japan Economic Newswire, AUGUST 10, 1994, WEDNESDAY Computer Porn outpacing UK lawmakers https://archive.org/details/Atari_ST_User_Issue_103_1994-08_Europress_GB/page/n39/mode/2up Labor promises telecommunications reform Party line for fun and games, The Times, August 5, 1994, Friday, Byline: Emma Woollacott https://en.wikipedia.org/wiki/Mercury_Communications Interactive TV license purchasers default SOME TOP BIDDERS AT AIRWAVE AUCTION FAILING TO PAY UP, Pittsburgh Post-Gazette (Pennsylvania), AUGUST 12, 1994, FRIDAY, SOONER EDITION, Section: BUSINESS, Byline: BLOOMBERG BUSINESS NEWS Acorn enters set top box market https://archive.org/details/AcornUser145-Aug94/page/n7/mode/2up Ziff Davis buys Compute ZIFF-DAVIS ACQUIRES ASSETS OF COMPUTE MAGAZINE; COMPUTER LIFE AND FamilyPC'S ADVERTISERS TO GET UNEXPECTED BONUS CIRCULATION, PR Newswire, August 8, 1994, Monday - 19:06 Eastern Time Teenage reviewers on the rise Teenage games writers get to call the shots, The Age (Melbourne, Australia), August 2, 1994 Tuesday, Late Edition, Section: COMPUTERS; Pg. 40, Byline: Amy Harmon Computer game book rights up for grabs Book Notes, The New York Times, August 3, 1994, Wednesday, Late Edition - Final, Distribution: Cultural Desk, Section: Section C; ; Section C; Page 20; Column 5; Cultural Desk ; Column 5;,Byline: By Sarah Lyall https://en.wikipedia.org/wiki/List_of_novels_based_on_video_games Disney gets MYST rights Out of the 'Myst': Disney plays game for book, film; Hit CD-ROM software is going Hollywood, The Hollywood Reporter, August 11, 1994, Thursday, Byline: Scott Hettrick Stormfront to simulate strike season PENDING BASEBALL STRIKE PROMPTS VIDEO GAME DEVELOPER TO PINCH HIT FOR REAL THING, PR Newswire, August 12, 1994, Friday - 09:02 Eastern Time, Section: Financial New Real Unreal Baseball, The Associated Press, August 17, 1994, Wednesday, PM cycle, Section: Sports News, Byline: By JIM LITKE, AP Sports Writer Indians overtake White Sox in AL Central; Braves, Expos torrid in Nintendo, Baseball League, Business Wire, August 21, 1994, Sunday Leonard Herman releases Phoenix https://www.latimes.com/archives/la-xpm-1994-04-13-mn-45306-story.html pg. 32 Nintendo ordered to pay $208 million Nintendo U.S. unit told to pay 208 mil. dlrs in damages, Japan Economic Newswire, AUGUST 2, 1994, TUESDAY https://archive.org/details/Electronic-Games-1994-08/page/14/mode/2up No Headline in Original, Ad Day, August 8, 1994, Section: Corridor Talk Pg. 38, byline: Kevin Kerr Recommended Links: The History of How We Play: https://thehistoryofhowweplay.wordpress.com/ Gaming Alexandria: https://www.gamingalexandria.com/wp/ They Create Worlds: https://tcwpodcast.podbean.com/ Digital Antiquarian: https://www.filfre.net/ The Arcade Blogger: https://arcadeblogger.com/ Retro Asylum: http://retroasylum.com/category/all-posts/ Retro Game Squad: http://retrogamesquad.libsyn.com/ Playthrough Podcast: https://playthroughpod.com/ Retromags.com: https://www.retromags.com/ Games That Weren't - https://www.gamesthatwerent.com/ Sound Effects by Ethan Johnson of History of How We Play. Copyright Karl Kuras
On 20 February, 1472, Orkney and Shetland officially became part of Scotland having been offered up as security for the dowry of the daughter of King Christian of Norway and Denmark. The marriage was aimed at quelling a long-standing tax-related feud between the two powers. But as time wore on, it began to feel as though the Scandinavians just didn't really want Orkney and Shetland all that much. In this episode, Arion, Rebecca and Olly look at how Vikings had come to control the islands in the first place; reveal why the citizens of Shetland have never stopped loving their Scandi past; and explain why if you want to properly describe the pattern variations of certain breeds of sheep you might need to learn a dead language… Further Reading: • ‘On this day 1472: Orkney and Shetland join Scotland' (The Scotsman, 2015): https://www.scotsman.com/arts-and-culture/day-1472-orkney-and-shetland-join-scotland-1512113 • ‘The islands of Orkney and Shetland passed into Scottish ownership' (History Scotland, 2022): https://www.historyscotland.com/history/the-islands-of-orkney-and-shetland-passed-into-scottish-ownership-on/ • ‘20th February 1472: Orkney and Shetland Isles given to Scotland by Norway as a wedding dowry' (HistoryPod, 2019): https://www.youtube.com/watch?v=COI05mwNda4 This episode first aired in 2023 Love the show? Support us! Join
John McTernan - the ultimate Labour insider - talks Tories & ReformNick Cohen talks to John McTernan - , the political strategist and commentator, and a former senior advisor to the Labour Party. John was Tony Blair's Director of Political Operations from 2005-2007 before acting as special advisor to two cabinet ministers under Blair's Number 10 successor - Gordon Brown. Other roles since then has been as a columnist at The Scotsman and as Director of Communications for Australia's Labor party prime minister Julia Gillard.Reform emerges Labour's main threat as Tories continue to crumbleThe Conservative Party appears to be crumbling before our very eyes: poorly led, tanking in the polls way behind Reform, myopically fixated on failed crank ideologies like Brexit & its preposterous Rwanda migrant scheme - while Nigel Farage surges ahead of them in the polls with his latest political vehicle - Reform. The first step to seeing off the populist right embodied by Farage, argues John, is to understand his appeal , adding "Farage sees the demand for change in the public, names his party Reform, another word for change, and is going quite successfully, just simply stating "The country voted for change. Where's the change?"Labour needs traditional working class & metropolitan graduate wings to winJohn says that Labour has to be aware of the coalition support. - the two wings of different supporters the party needs to balance out on a wide range of issues and win round, saying "they elected us this time around, and that was a coalition of two halves. It was absolutely liberal minded, guardian reading, graduate London and South East voters, as well as, working class, Northern voters... if Labour moves too far in either direction towards the liberal green minded green agenda, or towards, the right wing agenda, it will lose."It's got to maintain both of those wings. You know, a plane flies on two wings. This government needs two wings of support. So I would be, my advice into combating Farage us is take him seriously. This is real, you can't ignore it. Understand the dynamics that are working out on the right of politics everywhere in Europe."Read all about itNick Cohen's @NickCohen4 latest Substack column Writing from London on politics and culture from the UK and beyond.. Hosted on Acast. See acast.com/privacy for more information.
From 1979 to 1986, life was very different in Scotland. Instead of Glasgow's big two slugging it out, the centre of power was wrestled north east towards Aberdeen and Dundee with two exciting young teams and two exceptional managers. Michael Grant from The Times and Alan Pattullo from The Scotsman tell the story of the era's peak. 1982/83 saw Aberdeen triumph in Europe and Dundee United sensationally win the title on the final day. **** If you want to support the podcast or want your episodes without ads and a couple of days earlier then head over to patreon.com/NessunDormaPodcast where you can subscribe for only $3.99 a month. Learn more about your ad choices. Visit podcastchoices.com/adchoices
This episode is sponsored by Nishmat, whose Summer Beit Midrash offers transformative Torah learning in the heart of Jerusalem for women of all backgrounds. Find more information here.Take our annual survey.In this episode of the 18Forty Podcast, we launch our new topic, Outreach, by talking to Rabbi Yitzchok Adlerstein, a senior staff member at the Simon Wiesenthal Center, about changing people's minds, the value of individuality, and the “no true Scotsman” fallacy. With the tectonic shifts happening to our religious communities, political affiliations, and technological tools, conversations across social boundaries are becoming increasingly crucial. In this episode we discuss:How do we reach out to people “outside our communities,” in the many senses of that phrase? How do the needs of the American Yeshiva World differ from the needs of the Israeli Haredi World? How should we address the worldwide realignment that cultures of all kinds are experiencing?Tune in to hear a conversation about the importance of being “translators” across communities as we exchange ideas with one another. Interview begins at 21:34.Rabbi Yitzchok Adlerstein is a senior staff member at the Simon Wiesenthal Center, a Jewish advocacy group and international NGO. He also holds the Sydney M. Irmas Adjunct Chair in Jewish Law and Ethics at Loyola Law School in Los Angeles. Rabbi Adlerstein is the co-founder of Cross-Currents, an online journal of Orthodox Jewish thought, and regularly contributes to that site. He is on the editorial board of Klal Perspectives, an online journal of issues facing the Orthodox community. References:Iyun Podcast with Rabbi Ari Koretzky18Forty Podcast: “Ari Koretzky: In Conversation With Dovid Bashevkin”Being Wrong: Adventures in the Margin of Error by Kathryn Schulz“We Need To Start Befriending Neo Nazis” by Bethany MandelBen Torah For Life by Rabbi Aaron LopianskySong of Myself by Walt WhitmanBecome a supporter of this podcast: https://www.spreaker.com/podcast/18forty-podcast--4344730/support.
When fans of Scotland's national poet, Robert Burns, suggested holding an annual dinner to mark his birthday, they probably didn't realise a) it would still be happening over 200 years later; and b) they got the wrong date. Yet, even though Burns was born on January 25th, the first ever Burns Supper was celebrated on January 29th, 1802, just a few years after the ‘Caledonian Bard's untimely death at 37. Burns had become an icon not just in Scotland but for literary fans across classes and nations. Known for his ability to weave the lives of ordinary people into rich, poetic tapestries, Burns appealed to everyone—from working-class Scots to Oxford scholars. His revolutionary politics, his embrace of Scottish dialect, and his relatable themes resonated far and wide, leading to widespread admiration. By the early 19th century, his reputation had transformed him into Scotland's answer to Shakespeare. But it also helps that you can turn recitals of his poetry into what is effectively a drinking game on a wet January evening… In this episode, Arion, Rebecca and Olly reveal how haggis, neeps, and tatties weren't *always* on the menu; explain how the ‘lasses' eventually came out of the kitchen; and discover the delightful hybrid events hosted in Vancouver, Canada, which blend Burns Night with Chinese New Year… Further Reading: • 'When is Burns Night? Date, origins, traditions and how to host a proper Burns supper' (The Scotsman, 2019): https://www.scotsman.com/arts-and-culture/when-is-burns-night-date-origins-traditions-and-how-to-host-a-proper-burns-supper-1423727 • 'Celebrating Burns Night: Haggis, Whisky, and Scottish Heritage' (The Standard, 2025): https://www.standard.co.uk/going-out/bars/burns-night-haggis-whisky-celebration-b1204521.html • 'Address To A Haggis, By Robert Burns' (Gareth Morrison, 2018): https://www.youtube.com/watch?v=b5f_yDLZBaA Love the show? Support us! Join
Discover the latest global real estate trends and untapped investment opportunities. Keith uncovers high-yield new build rental properties that can deliver impressive returns, even in today's challenging market. Don't miss your chance to build lasting wealth through strategic real estate investing. Tune in now to get the insider insights you need to get ahead. The podcast dives into dramatic global real estate trends, with home prices skyrocketing over 10% in countries like Colombia and the Netherlands. It also examines the alarming rise in U.S. homelessness, driven by factors like housing shortages and inflation. To counter these challenges, the show spotlights compelling new-build rental properties that could offer attractive returns for passive investors. GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/536 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:02 Welcome to GRE. I'm your host. Keith Weinhold, we look at global home price change, the asset class rundown, then the homelessness crisis is mega bad. It just reached new, unprecedented levels, and real estate and inflation has a lot to do with the homelessness surge today on get rich education. Speaker 1 0:28 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show. Guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Corey Coates 1:13 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:29 Welcome to GRE from Kent Washington to Tashkent, Uzbekistan and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education. One reason for a not just national, but global, rise in real estate prices is that you can't fake it. Real property is not a derivative, yeah, you can't fake it. So this really emphasizes the word real in real estate. It's not a crypto within infinite supply. It's not an NFT. You can't fake construction. You can't fake real materials put into property, from concrete to kitchen cabinets. So in the year recently ended, as we catch up to global home prices and select nations, per Fitch Ratings. Let's do that because it was not just a US centric thing. In the Netherlands, the home price change last year was 13% you had that much appreciation in the Netherlands. Colombia, 10% Mexico up 9.3% Brazil had 8% home price appreciation. Australia, 5.2% Australia has just seen year over year home price appreciation for such a long time. The UK had 5% appreciation. Spain, 5% as well. The USA, 4% just like I predicted at the end of 2023 for 2024 It did indeed come in at 4% Canada also had exactly 4% home price appreciation last year, just like the USA did. Denmark 3% Italy and Japan each at two and a half percent. Germany home prices were up just one and a half percent. And France had home prices that fell 3% China had home prices that fell 7.8% that supply versus demand thing in China, where they massively overbuilt, that's why home prices are down there. And as I unveil the depths of the USS homelessness crisis later here on the show, you will see that, yeah, those appreciated real estate prices, like I just mentioned, they have a lot to do with it. Now you might think of the youngest generation, the generation after Gen Z, as generation alpha, and that is true. However, they are no longer the youngest generation, because the babies born on New Year's Day of this year not only got to be featured in feel good local news stories. You know what? They are, also the first members of generation, beta, yeah, which will include children born from 2025 through 2039 so that is the future and the future demographic that's going to demand housing. But first of all, let's look at a year that was yes for years here on the show, we have our asset class rundown shortly after most quarters end, and certainly after a year ends. And today is no different, and this is because at times you've got to compare real estate with the other investment options that are out there. We now have music to play for our asset class rundown feature each time for today and. Future shows. And I know the GRE sound engineer has got to like this. He's also a DJ dropit, Vedrand. Here is GRE 's asset class rundown for the 12 months of last year, residential real estate values were up 4% per the NARS. Single Family existing home price, like I said earlier, single family rents up about 2% per core logic, apartment rents pretty flat, down six tenths of 1% for the year per apartment list, office buildings were down in value 9% the 30 year fixed rate mortgage. It started last year at 6.6% everyone, I mean, everyone, thought that they would go lower, but nope, they ended at 6.9% a little higher. That's per Freddie Mac survey. The s5&p 100 index was up over 23% topping out at 6100 last year. That is the first time the s&p has been up 20% plus in back to back years since 1998 and the s&p is meant to represent 500 companies, but it has become so concentrated due to the rise of the Magnificent Seven stocks that its effective diversification is less than 60 stocks. Morgan Stanley just announced that they expect the SP500, 100 returns to be flat for the next decade due to lofty valuations. Do you know that since 2000 gold has outperformed the s&p last year, gold shot up from about $2,000 peaked near $2,800 and then ended up about 30% for last year, the yield on the 10 year T note was up 63 basis points last year, basically rising from four up to 4.6% by year end. What that means is that that signals higher inflation expectations. Bitcoin up an astounding 111% to end last year around 95k and it topped out at an all time high of 108k oil up just 2% to 72 bucks and a wild card for you. Through October, Bible sales were up 22% compared to the same period versus the previous year. That is GRE 's asset class rundown. It was. This is get rich education. Let's drop back and do some learning before I update you on housing and the homelessness crisis. Now, a lot of Americans don't really know history that well, and not very many have a good financial education either. But you know, it is quite possible that even the next person you spot in a Trader Joe's aisle has heard of Adam Smith in his landmark 1776 book The Wealth of Nations. Did you know that Adam Smith is the one credited with actually inventing the very concept of supply and demand? Yeah, Adam Smith, a Scotsman is credited with that. He is known as the father of modern economics. You might have already known that. Well, of course, supply versus demand seems to be a more relevant concept than usual. Here with the housing shortage crisis, Adam Smith, he proposed the idea of what he called an invisible hand, that is the tendency of free markets to regulate themselves using competition, supply and demand and self interest, a Darwinian sort of struggle. Really, did you know that he also created the concept of gross domestic product? Yeah, prior to Adam Smith's work, most people considered a nation's wealth based on the amount of gold and silver reserves that they had stored. But Adam Smith said no, it's more about productivity quantified in this GDP in a lot of his work. It also discusses the evolution of human society from a hunter stage with no property rights and no fixed residences, to nomadic agriculture with shifting residences. And then the next stage after that is a feudal society, where laws and property rights are established to protect privileged classes. And finally, that modern society is characterized by laissez faire or free markets, so a good chunk of Adam Smith's work revolved around real estate. Now, the history of economics like that is a phrase that sounds boring. Maybe it is to some people, but as an investor, the least that you should know about Adam Smith's landmark book The Wealth of Nations from the year 1776 is that to review, he invented the supply demand concept. He created the GDP concept, and he championed free markets. That's something you're going to appreciate knowing in your investor life. And also supply demand, as I discussed that in the homelessness problem shortly. we are a real estate show, and, you know, I just don't hear other real estate shows talk about, well, the unfortunate, I guess, absence of real estate in an increasing number of people's lives now, even if you have a home, learn about how homelessness is gonna make your life worse, too. In fact, it already has. I'm not sure if you've noticed, I will get into that as well. First listen to these two spots, freedom, family investments for an eight to 10% return on your liquid capital and Ridge lending group, they specialize in income property loans. They can really help you, and I would know, because I use them both my self. I'm Keith Weinhold. This is get rich education. Here you go. Oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself earn 10% like me and GRE listeners are. Text family to66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866 Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, you can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com Ken McElroy 12:41 this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 12:57 Welcome back. You're listening to get rich education Episode 536, I'm your host. Keith Weinhold, it is bad. America just hit a record high homelessness number, and it is up double digits, over 18% in just one year. It is even worse when we look at family homelessness and the rise in that and gosh, get this unaccompanied youth homeless, meaning like a 15 year old kid homeless and drifting by themselves. And this is all in the most powerful nation in the world. And even if you have a home. Homelessness is gonna make your life worse, too. We'll also look at how Trump wants to address this. It is major. And finally, are there any solutions to the homelessness crisis in America today? Well, there are now over 771,000 homeless in America, that's up from 653k just last year. And yes, the homeless can be hard to count, but as long as the methodology stays the same, I mean, there you go with the 18% increase. And here's the thing from all the years, from 2007 to 2023, all 16 of those years, we only saw a total increase of 19% during that entire span, and now 18% in just one year this latest year. I mean, talk about exponential and accelerating homelessness growth. And before I tell you about why this is happening, let's get a better idea of the gravity of this sad situation here, and this is all from HUD's newly released annual homelessness assessment report to Congress among subgroups families with children saw the biggest increase as. At 39% year over year. You think that's sad, but consider how sad this is. Unaccompanied homeless children, they're up 10% in just a year, and that was only up 3.4% all of the previous 16 years combined. Veterans are the only group to see a decrease, and the number of homeless people over 65 so we're talking seniors here that is expected to almost triple by 2030 that is just five years away, and it is just widespread too. I mean, nearly no US geography is immune from this spike in homelessness, from Florida to Maine to California to Alaska. Now, even if you have a home, the shoes of that are pretty good, if you're listening to me, you know, why does this even make your life worse? Well, of course, first of all, homelessness can make your city blighted. But beyond that, just think about how many ways it's just changing your week in and week out routine. I mean, have you noticed, like, just take, for example, when you or I walk into some grocery stores anymore. I mean, I notice how different things are than they were just say, five years ago. I mean, you've got to notice some of these things now, more often than there was just a few years ago, there's an armed guard when you walk into a store near the entrance. Well, someone is paying for that security, whether it's the store passing the price along to you, or whether it's a government or municipality paying that, well, that's where your tax money goes. And what about when you're shopping the aisles of a supermarket, or, say, CVS? Well, now even kind of moderately priced items like bottles of moisturizer, they are under lock and key behind a Plexiglas case. That's inconvenient while you're shopping if you need to use the bathroom, oh, now you need to go get a key or learn the door code to access the bathrooms. That's inconvenient when you're done and as you walk out of the store now, they are more likely to have an attendant that checks your receipts on the way out, and this is just one example at the supermarket. I mean, so many of your patterns are changing due to poor people getting poorer, and the homelessness crisis, if you're in a rural area, it probably affects you less. But just take a look around and notice the change. We're not talking about the change from your parents era, but just in your own life over the past, say, three to five years, homelessness is not good for an area's crime rate either. I mean, it is not good to have desperate people, hungry people, these people have nothing to lose if you're homeless and you commit a crime and go to jail. Hey, that might be an upgrade for some people now you've got a warm, clean place to stay in jail. So now that you and I understand more about why this even affects you and I let's talk about why is homelessness growing at this alarming rate, well, higher prices for real estate, which really accelerated in 2021 and they are not going to relent. As I've said elsewhere, home prices are not going to go down in a meaningful way anytime soon as just three weeks ago. Here on our forecast episode, I forecast another 5% of national home price appreciation this year. And it's not just higher prices, it's higher rents. Rents really started taking off in 2021 as well. Well. Higher rents, that means more evictions, and an eviction is the start of homelessness for a lot of people. And a third reason for this surge in homelessness is just that overall lack of housing. I have covered that extensively elsewhere. Yes, the housing supply crisis, and as I'm known for saying, the housing crash already occurred. Did you miss it? It was a supply crash that occurred about five years ago, and a lot of agencies think we're under supplied by 3.7 million housing units. Now, when you look at the new HUD supplied map of homelessness by state, you can very much see that it is about housing, because those regions with the highest home prices generally have the most homelessness. We're talking about the Northeast, the West Coast and Hawaii. And the fourth reason for the homelessness surge is that, of course, inflation started accelerating about four years ago, and people just cannot make ends meet anymore. CPI inflation peaked at 9.1% back. In June of 2022 and year over year, prices are still going up 3% today. Prices are not going down. They're just rising at a slower rate. And of course, inflation hurts the poor and actually helps the wealthy, exacerbating the inequality Canyon the wealthy have assets. Those assets float up in value with inflation and the prices at the grocery store are just a tiny part of a wealthy person spending. But the poor don't own assets that float up with the inflation and higher grocery prices and things like electric bills, well, they comprise a big part of a poor person's income. And fifthly, the massive arrival of immigrants pushed up homeless numbers these past, oh, three or so years. And it remains to be seen how many of those people really get deported. And you know, a sixth reason for homelessness. It's not something new, it's what I'll call all of these background reasons that have been there for decades and are not going away, like how a medical emergency can even drain a middle class person's savings and things like ongoing substance abuse. I mean, drug users often cannot stay employed. So there you have it. What was that? Six big reasons that I've identified for surging homelessness now let's see what Donald Trump has to say and understand that, due to last June Supreme Court decision, Trump now has got more power to clear out encampments and make life for the homeless more difficult, opening the door now to be criminally charged for trespassing and illegal camping. I mean, you really don't want to be homeless today as part of what Trump calls his agenda 47 his plan to tackle homelessness. Here is his preamble. Donald Trump 21:57 Our once great cities have become unlivable, unsanitary nightmares surrendered to the homeless, the drug addicted and the violent and dangerously deranged. We're making many suffer for the whims of a deeply unwell few, and they are unwell. Indeed, the homeless have no right to turn every park and sidewalk into a place for them to squat and do drugs. Americans should not have to step over piles of needles and waste as they walk down a street in a beautiful city, or at least once beautiful city, because they've changed so much over the last 10 years. Keith Weinhold 22:40 So that's the problem. Here's the solution. I'll boil down the meat of the Trump agenda, 47 homeless statement to just the most salient 40 seconds for you here. Just listen to this, and as you listen in closely, note that this is not a housing first plan for the homeless. Instead, it's treatment first. Donald Trump 23:03 Under my strategy, working with states, we will ban urban camping wherever possible. Violators of these bans will be arrested, but they will be given the option to accept treatment and services if they're willing to be rehabilitated. Many of them don't want that, but we'll give them the option. We will then open up large parcels of inexpensive land, bring in doctors, psychiatrists, social workers and drug rehab specialists, and create tent cities where the homeless can be relocated and their problems identified. But we'll open up our cities again, make them livable and make them beautiful. Keith Weinhold 23:43 Okay, it's not housing first, because, see, he wants to ban urban camping, something that parallels the Supreme Court decision. What this is not is that it is not giving the homeless hotels in the city, like some cities have recently done, converting their hotels into homeless shelters. Instead, this is designating large parcels of cheap land for tent cities, but outside the urban core, like in a big grassy lot, and then bringing in social workers and rehab specialists for them, and that way, his solution is that this city is free of homeless people, and really that is the crux of Trump's plan. But what are some other solutions here? And these are now my insights, not Trump's, that is, build more housing. That's really simple. I mean, this will naturally slow down, accelerating home prices and spiking rents, and we've got to relax regulation and zoning. We had a zoning expert, Nolan gray on the show here last year. Some scholars believe that we should just eliminate zoning in America completely. And one. One way to relax regulation is to Gosh, revisit some of these over the top safety concerns. I mean, look, it increases the cost of the most basic entry level housing when every home needs to have all these thick, fire rated doors and smoke detectors all over the place, and carbon monoxide detectors everywhere, and GFCI electrical outlets all over the place. I mean, hey, it sounds kind of funny to say out loud, but all this stuff contributes to making affordable housing impossible. And another solution is that you've got to kill nimbyism in a lot of cases, yes, that not in my backyard. Ism, you know, a person can act like they're all pro development, and like they're all free market, and they want to have their home built just how they want it, where they want it, but you know what, as soon as their home was built, they don't want others moving near them, yeah, somehow the free market's not so great anymore, okay? And they sure don't want apartment buildings nearby. Well, that is what we need, allowing taller structures to be built. That is called up zoning. It doesn't have to be a gigantic apartment building either. We need more, mmm, properties, multi families, missing middle. That means building more two, three and four unit structures in single family neighborhoods, duplexes, triplexes, fourplexes, because a lot of those can be built so that they look like single family homes. But yet it's something affordable and it helps with density. Another solution to deal with homelessness is to, of course, bring down inflation. The government needs to stop printing, say, $1 trillion to pay for a program, whether that's sending aid to foreign nations or whatever that program is. When more dollars are created like that, it debases the currency everyone else is holding on to, including your dollars, and it makes everyone from landlords to grocers have to raise their prices. And you know, here's the funny thing in the last election for president that we had last year, well, that administration got voted out of office, and many say that the number one reason was due to high inflation, but yet, look at what they voted for with the incoming administration. Everyone expects higher inflation. So there's a real paradox there. On our YouTube channel, you can watch videos of me going out outdoors and interviewing the homeless. In fact, I'm surprised at how many homeless let me into their tents, and they wanted to show me their makeshift shelters and tell me about their life. I mean, that's kind of the good news. They were open. They were friendly people. I think they really wanted that to get exposed, because they were hoping that people would see that to come do something for them. I think that's why they've been so open with me. So that was good on the flip side, oh gosh. One thing that they have in common is that they all seemingly want to blame somebody else for the condition that they're in other than themselves, like the government or including telling me that landlords are greedy. But it really is fascinating to see from our get rich education YouTube channel, which is different content from this show. Just search the word homeless there on the get rich education YouTube channel and you can see it. Hey, I want to ask you something. What is your on ramp to real estate investing? Like, how did you approach it? Or how did you get into it? I mean, mine was as a disgruntled employee. That's it. I didn't come from a complimentary professional place. I mean, that's how I became an investor, and there was nothing wrong with my job position. Specifically, I worked with good people and everything. In fact, I had an easy and safe job, and it paid a little bit well. But, you know, safe is not the place to be. Safety is the opposite of freedom. As an employee, you know, I could see that 401 K type plans. They were designed so that you don't get income from them until you're old. It's a salary reduction plan all those working years as well. Well, no wonder that your employer encourages participation in them. That way they're going to keep you working as an employee until retirement, because that's when they're designed to generate income. But see my point here, really is that I did not have a complimentary skill set to real estate investing, and if you do, it can be to your advantage. So you know what I mean. Let's take a couple of friends of. The show here, Robert Helms, host of the terrific real estate guys radio show. He came from a real estate agent family. His dad was an agent. Well, that can help you find deals. How about Ken McElroy, another frequent guest on the show here, very successful real estate investor. Well, he was a property manager before he became a real estate investor, totally complementary skill set. And by the way, two months ago in New Orleans, I was invited to participate in a collective inner circle mastermind group session that Robert and Ken help run. That was cool, but getting back to complementary skill sets, Michael Becker, a former guest here on the show, he was a lender, so he got to see the paperwork of all these successful investors. So he became one himself. I mean, as a lender, you keep seeing savvy investors leverage themselves with debt and then do cash out refinances, a tax free windfall event, all while they keep the asset too well. He wanted to get in on some of that. And I also know real estate investors that started out as handymen, okay, a hands on trade that can totally help when you're starting out as a real estate investor. So do you have a complimentary skill set that can help make you a successful real estate investor. If you don't, then don't despair, because you know what? I don't have one myself. I was just a former employee that wanted something else. I don't have a complimentary skill set to real estate investing. No transferable professional skill. Instead of that, I just became a reader, but not a massive reader. Of course, I was a learner before I was a teacher. I enjoyed learning this stuff, and I also got a good grasp on the numbers and how that works. But importantly, my advantage was I take action, I just keep adding property to my portfolio. You just got to keep doing that, regardless of what's happening in the larger economy or what prices are or what interest rates are. And as you know, last week, I discussed the advantages of owning and building with brand new build rental property today, and you know, new build and these build to rent properties, those are things that that really wasn't even available when I started out investing. Well, it wasn't. I mean, with new build, oh, your maintenance repair costs are going to be low. You tend to attract a high quality tenant that also tends to stay for a while. Insurance costs tend to be lower on new build. And there's a bigger advantage than all of that in the market cycle right now that I'll get into shortly. Well, historically, the long run average. Do you have any idea what proportion of homes for sale are new build homes? Any guess, like, what share of those homes are new? It's only about one in eight. Yeah, the Census Bureau and the NAR tell us that it's 13% historically. Okay, well, what do you think it is today? Well, today, that number is up. Existing homeowners, they're not selling those homes aren't getting on the market as often due to the lock in effect, and we have to add supply. So in order to do that, we are building more new there's just no other way to bring it to market. Well, today, the proportion of new build homes for sale among all homes for sale is fully double that, at 26% although we're still undersupplied of homes in the US by about 30% you know there are pockets where they've overbuilt with new builds, including in Florida and Texas. So the time could really be right to expand your income property portfolio in one of those places, because builders that we work with at GRE marketplace are really willing to give you a deal now you've got them right where you want them if you're looking for a deal. How does a four and three quarter percent interest rate sound? Yes. Rates on non owner occupied property are about eight right now. They're about seven on owner occupied property, but we've got builders willing to buy your rate down to 4.75% and they're also offering one year of free property management and three months of rent guarantee protection in case your property is not occupied right away. The first one is a brand new build duplex in Inverness, Florida, two beds, two baths, each side, price of 420k projected rent from both sides at $2,830 and the size is 2100 square feet. I mean the. That sounds like it could make your cash flow thin, until you consider that 4.75% fixed mortgage rate the property tax is about one and a half percent and insurance get this projected at just $1,155 a year for an entire new build duplex, and now you might ask, what could the rate of return be on this Florida duplex new build? Well, I projected 5% appreciation for this year. New builds tend to appreciate better than existing property, but let's just use 5% if you have a 25% down payment, that's four to one leverage. So you've got a 20% return on your money. And let's just keep it conservative. When we look at monthly cash flow, that results in a 5% cash on cash return. Add that to your 20% leverage appreciation, you're up to a 25% ROI already. Add in the fact that your tenant is paying down your principal for you by $405 every month. That's 4860 annually, divided by your 105k down payment. That means you've got another four and a half percent return here. Let's just call it four. You're up to a 29% total ROI we haven't even added in yet, your tax depreciation benefit, and now you're up to a return in the mid 30s. Finally, your inflation profiting benefit on your fixed amortizing debt, and you are well into the 40s for a percent return on an annual basis. And of course, most of these are only projections. It could disappoint you at 30 or less, still a nice return, or it could over perform at 50% or more. I mean, this right here is how wealth is built. I mean, this is how you do something that disrupts your entire family tree that was the new build duplex. Then I'll share one other one with you. Here from GRE marketplace. Is a single family rental. This one is in Locust Grove, Georgia. Gosh, it looks really good in the photo here with a two car garage and some brick facing, its price is 339k rent is 2350 The size is 2164 square feet, so only a little bigger than the duplex here in this new build, Georgia, single family rental, four beds, two baths, beautiful looking new construction on the inside, open floor plan, stainless steel appliances, I can't tell whether the floor is LVP or wood laminate, but it's got a flooring type that's resilient, that tenants like, and your rate of return is going to be similar to the duplex ROI that I laid out, though probably not quite as high as the duplex. I mean, with these interest rate buy downs, these could very well be the property types where, in just five years time, maybe even as little as two or three years time after owning them, you look back and you consider how opportunistic you work in this part of the market cycle where there are now more new builds that you can choose from, and a builder was willing To make you a deal to keep their product moving, because they build a little too much in some pockets of Florida, for example. So yes, these and more like them are available, and there are more in Florida, Georgia, Alabama and a number of other states. And you know, something I don't think I shared with you earlier, it's convenient. You can get a spot with one of our GRE investment coaches right on their calendars, you can look at their calendar and pick a date and time that's convenient for you. For a free coaching session, they will learn about you. They'll let you know where the real deals are, if they're right for you at all, all you've got to do is visit GRE marketplace.com, and click on the free investment coaching area. There you are with some real opportunities and an actionable resource. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 2 39:17 Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you Keith Weinhold 39:45 The preceding program was brought to you by your home for wealth, building, get rich, education.com
David Moyes will be back in the hot seat this afternoon as he addresses the media for the first time following his Everton return. What can we expect from the Scotsman during his second spell. Join Ian Croll, Joe Thomas and Gav Buckland as they take a deep dive into Moyes' Goodison Park return and predict what may be ahead for Everton. Gavin Buckland's Book 'The End' | Order your copy here: https://tinyurl.com/GavinBucklandTheEnd Everton FC podcasts from the Liverpool ECHO's Royal Blue YouTube channel. Get exclusive Everton FC content - including podcasts, live shows and videos - everyday. Subscribe to the Royal Blue Everton FC YouTube Channel and watch daily live shows HERE: https://bit.ly/3aNfYav Listen and subscribe to the Royal Blue Podcast for all your latest Everton FC content via Apple and Spotify: APPLE: https://bit.ly/3HbiY1E SPOTIFY: https://bit.ly/47xwdnY Visit the Liverpool ECHO website: https://www.liverpoolecho.co.uk/all-about/everton-fc Follow us on Twitter: https://twitter.com/LivEchoEFC Follow us on TikTok: https://www.tiktok.com/@royal.blue.everto Follow us on Facebook: https://www.facebook.com/LiverpoolEchoEFC Learn more about your ad choices. Visit megaphone.fm/adchoices
About the Guest(s):Doug Gibson is the founder and CEO of Infigo, a company specializing in web-to-print solutions designed to streamline printing processes. With over 14 years of experience leading Infigo since its inception in 2010, Doug has successfully expanded the company's global footprint, particularly strengthening its presence in North America. Originally a Scotsman, Doug's professional journey has taken him across Europe and the United States, where he frequently engages with industry stakeholders and represents Infigo at major print and labeling events.* Specright eBook - How to define sustainable packaging strategies!* Gartner Report* Packaging Pros eBook* Home Page* Book a demo with SpecrightMeyers has some incredible sustainable packaging options!* Get the 2023 Sustainability Report* Meyers Packaging EPR eBook - it is FREE!!New sponsor is Label King! Check them out at www.thelabelking.comBook a demo with Trayak (LCA's on demand!)SmartSolve has water soluble label and paper materials. Learn more!The Scrapp App is going to revolutionize home and corporate recycling. Download for your device today!Episode Summary:In this engaging episode of the People of Packaging Podcast, host Adam Peek sits down with Doug Gibson, the dynamic founder and CEO of Infigo. Broadcasting all the way from Switzerland, Doug delves into the fascinating world of web-to-print technology, highlighting its transformative potential in the print and packaging industry. With a refreshing mix of humor and insight, Doug compares himself to a Mel Gibson doppelganger and shares his personal journey from a Scotsman to a recognized industry leader.Throughout the discussion, Doug shares how Infigo enables printers to increase their orders and revenue through automated, seamless processes. He provides a clear picture of how web-to-print solutions can revolutionize the typical business procedure by allowing 24/7 access for customers — drastically cutting down on lengthy administrative tasks and thereby freeing up businesses to focus on more value-driven interactions. Doug passionately speaks about the importance of easing the accessibility of such technology, arguing that, despite common misgivings, implementing a solution like Infigo can bring multiple competencies and advantages without disrupting existing job roles.Key Takeaways:* Infigo's web-to-print solutions aim to streamline printer operations, enabling more orders and revenue without increasing human intervention.* Automated online experiences offered by Infigo simplify the order, proofing, and payment processes, freeing up company resources devoted to non-income generating tasks.* Doug emphasizes meeting customers where they are, stressing the importance of making transactions easy to maintain competitive industry standing.* A significant part of Infigo's client base has shifted to North America, demonstrating their success and rising adoption of digital tools among US companies.* Doug highlights the need for the industry to keep pace with technological advancement and innovation, moving away from traditional and inefficient methods.Notable Quotes:* "Our number one goal, make getting more orders and make them more money. That's what we, that's what we like to do here."* "Printers have some tooling to enable their businesses to be more successful, more profitable and easier to deal with."* "Let the system do that. Let's do the proportion of if we've got a pie and we're eating into three quarters of it doing our admin, let's do it the other way around."* "Move part of your process online. Move part of the problem online."* "It amazes me that they're sitting there, there's a trepidation of saying why should I even bother with doing this?"Resources:* Infigo's Website* Infigo on LinkedIn: Check their page for updates on their services and industry insights.Explore the evolving landscape of printing solutions with Adam and Doug in this episode, providing a rich discussion about the technological leap in printing operations and the value of adopting digital tools. Tune in to understand how Infigo's solutions can empower your business, stay ahead of trends and maximize efficiency, only on the People of Packaging Podcast. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.packagingisawesome.com
8/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1675 CHARLES II
1/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1646 QUEEN ANNE OF DENMARK, JAMES I, PRINCE OF WALES (CHARLES I)
2/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1649 REGICIDE
3/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1649 REGICIDE
4/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1650 REGICIDE
5/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1648 OLIVER CROMWELL
6/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1658 CROWELL
7/8: The Blazing World: A New History of Revolutionary England, 1603-1689 Hardcover – by Jonathan Healey (Author) https://www.amazon.com/Blazing-World-History-Revolutionary-1603-1689/dp/0593318358 The seventeenth century was a revolutionary age for the English. It started as they suddenly found themselves ruled by a Scotsman, and it ended in the shadow of an invasion by the Dutch. Under James I, England suffered terrorism and witch panics. Under his son Charles, state and society collapsed into civil war, to be followed by an army coup and regicide. For a short time—for the only time in history—England was a republic. There were bitter struggles over faith and Parliament asserted itself like never before. There were no boundaries to politics. In fiery, plague-ridden London, in coffee shops and alehouses, new ideas were forged that were angry, populist, and almost impossible for monarchs to control. But the story of this century is less well known than it should be. Myths have grown around key figures. People may know about the Gunpowder Plot and the Great Fire of London, but the Civil War is a half-remembered mystery to many. And yet the seventeenth century has never seemed more relevant. The British constitution is once again being bent and contorted, and there is a clash of ideologies reminiscent of when Roundhead fought Cavalier. The Blazing World is the story of this strange, twisting, fascinating century. It shows a society in sparkling detail. It was a new world of wealth, creativity, and daring curiosity, but also of greed, pugnacious arrogance, and colonial violence. 1661 REVOLUTION
We head up to the Scottish Highland city of Inverness, and back to the early 2000's this time on The True Crime Enthusiast Podcast, for a harrowing tale of a crime that shocked Scotland to the core, a definition of cruelty, evil, and a hauling over the coals of a system that, so tragically, failed a little girl.5 year old Danielle Reid. Hers is a name that following this, I doubt you will forget.The episode contains details and descriptions of crimes and events, including descriptions of injury detail, involving a child, that some listeners may find offensive or distressing, so discretion is advised whilst listening in. Music used in this episode: "The Descent" by Kevin Macleod. All music used is sourced from https://filmmusic.io/ and used under an Attribution Licence (https://creativecommons.org/licenses/by/4.0/) The Lathums - Stellar CastJack White - You Got Me SearchingThe True Crime Enthusiast's Fundraiser For Macmillan Cancer SupportReferences - Assorted articles from the BBC, The Free Library, Herald Scotland, The Scotsman, Daily Record, Aberdeen Evening Express, Aberdeen Press And Journal - sourced online and through the British Newspaper Archive. Produced upon request.Herbison Report - Danielle ReidFollow/Contact/Support The True Crime Enthusiast PodcastFacebookFacebook Discussion GroupTwitterInstagramYoutubeWebsiteTTCE MerchandisePatreon Page Remembering Danielle. The episode is dedicated to her. Hosted on Acast. See acast.com/privacy for more information.
In front of an audience at the Newport Beach Film Festival, the Scotsman, who burst on to the scene in 1995's 'Trainspotting,' reflects on his early collaborations with Danny Boyle, his uncertainty about committing to do George Lucas' second 'Star Wars' trilogy and why, in recent years, he has increasingly gravitated toward TV limited series. Learn more about your ad choices. Visit megaphone.fm/adchoices