Creative Success = Financial Balance with Flexible Budget Plans As a creative individual, dealing with irregular income can be daunting. In this episode of From "Creative Passion To Profit", titled "How Creatives Can Budget for Regular Income," I, Mahmood, tackle one of the biggest challenges faced by those in the arts and creative world—budgeting. Have you ever felt the high of being fully booked and having commissions flying off the shelves, only to be met with silence and income droughts the following month? You're not alone. But here's the good news: with a little planning, you can smooth out those financial ups and downs. In this episode, I'll share three simple steps to help you build a budgeting system that fits your lifestyle and supports your creative ambitions. You'll learn how to determine your essential baseline expenses, create a financial buffer for quiet months, and implement a flexible yet simple budgeting method that allows you to thrive creatively and financially. You'll also have some homework tasks... Timestamped Summary: [00:00:00] Introduction to challenges of budgeting with erratic income. [00:00:58] Step 1: Determine your baseline expenses. [00:02:12] Step 2: Build a financial buffer for quieter months. [00:03:46] Step 3: Apply a simple, discipline-based budget system. [00:04:58] Homework: Calculate baseline expenses and track income. Mentioned in this episode: Training Training Training Find out more about Budgetwhizz Find out more about Budgetwhizz Budgetwhizz…
Greetings, tabletop nerds and dice collectors. In this treasure chest we find three first time adventurers questing their way through a D&D campaign. One patient Dungeon Master guides our heroes through the player handbook, d20 rolling, and ttrpg roleplay. Gather around the table and Follow Tony (DM), Jared (Armos Vanon), Dan (Minnis Pebblewalker), and Alec (Drell of the Ashe Born) as they battle dragons, hellish demons, and giant monstrosities. Join us, as we search through dark dungeons in ...
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DND404 | Dungeons and Dragons Podcast
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Ep. 128 - Viril's Rebuke | DND404
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1:21:27Armos and the Bloodshard Bandits finally come face to face with Viril... This episode is sponsored by Patreon member Sly! Merch! - https://dnd404.com/ Patreon! - https://www.patreon.com/DND404 Discord! - https://discord.gg/hSrsU492RP P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST: DM Tony - Tony Armos Vanan - Jare…
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DND404 | Dungeons and Dragons Podcast
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Ask A DM With Tony And Jared! | DND404
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1:15:32Our Discord community asks us questions! We answer them! Merch! -https://dnd404.com/ Patreon! -https://www.patreon.com/DND404 Discord! -https://discord.gg/hSrsU492RP P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST: Tony Jared Dan POST PRODUCTION: Episode Director - Tony Music Editor - Dan…
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LOOK INTO OUR ORB AND SEE EVERYTHING D&D!!! Merch! - https://dnd404.com/ Patreon! - https://www.patreon.com/DND404 Discord! - https://discord.gg/hSrsU492RP P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST: Tony Jared Dan POST PRODUCTION: Episode Director - Dan Music Editor - Dan…
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DND404 | Dungeons and Dragons Podcast
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Monster Of The Week - Kuo Toa | DND404
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1:03:38OH FISH! Jared, Dan and Tony crack open the books and fish for facts as we take a deep dive on Kuo Toa's . Learn about them, see what there doing and why are they doin it. Are they worth running, ARE THEY SUPER POWERFUL FISH CREATURES!? Let's talk about it. Merch! -https://dnd404.com/ Patreon! -https://www.patreon.com/DND404 Discord…
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DND404 | Dungeons and Dragons Podcast
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Ep. 127 - Trapped In A Shard | DND404
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1:14:25The Bloodshard Bandits find themselves in a sticky situation until Drell suggests using a long forgotten item... This episode is sponsored by Patreon member Sly! Merch! - https://dnd404.com/ Patreon! - https://www.patreon.com/DND404 Discord! - https://discord.gg/hSrsU492RP P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST:…
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Three first-time adventurers. One incredibly patient DM. What could possibly go wrong? Join us as we stumble, bond, and grow into epic heroes (or at least try to). DND404 is a podcast where the laughs are plenty, the rolls are chaotic, and the adventure is anything but ordinary. New to D&D? So are we. Let’s figure it out together—one nat 1 at a tim…
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DND404 | Dungeons and Dragons Podcast
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Ep. 126 - 10 Things I Hate About Tentacles | DND404
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1:40:44The Bloodshard Bandits sneak their way through the Red City with the help of their new friend, Sly. This episode is sponsored by Patreon member Sly! Merch! - https://dnd404.com/ Patreon! - https://www.patreon.com/DND404 Discord! - https://discord.gg/hSrsU492RP P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST: DM Tony - Tony Arm…
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DND404 | Dungeons and Dragons Podcast
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Ep. 125 - Into The Red City | DND404
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1:44:05The Bloodshard Bandits make a deal with an unknown entity before heading up into the Red City. They expected mayhem, but they had no idea what waited for them in the safe haven. Merch! - https://dnd404.com/ Patreon! - https://www.patreon.com/DND404 Discord! - https://discord.gg/hSrsU492RP P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 C…
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DND404 | Dungeons and Dragons Podcast
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Ep. 124 - As Above, So Below | DND404
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1:22:15The Bloodshard Bandits follow Morgan farther into the underground maze of tunnels. Something changes in Minnis, Drell gets tired of Spider Dragons, and Armos hears someone calling to him in his mind....Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Tony Plays - Jailbreak | DND404
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2:15:02Waking in a cell closed by magical runes, Tony and Dan play as a Wizard and a Warlock trying to escape Jared’s experimental D&D one-shot!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 123 - Pass Without Space | DND404
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1:28:27The Bloodshard Bandits follow Morgan over the mountain and into a so-called shortcut to the Red City.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 122 - The Hamlet Of Streatham | DND404
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1:29:16The Bloodshard Bandits run for their lives!!! In this fast paced episode, Minnis, Armos, and Drell rush away from a mysterious, burrowing beast.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 121 - Pop Rocks | DND404
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1:16:58The Bloodshard Bandits continue the battle, but something is not right with these cultists...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 120 - Out Of The Ice And Into The Fire | DND404
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1:33:42The Bloodshard Bandits plan their venture out of lord Baron’s divider. With happy reunions come sad discoveries in this foreboding episode.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 119 - Peak Of The Keep | DND404
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1:33:42The Bloodshard Bandits are back and are determined to return to lord barons divider, but what has come to South Tryllis during this time apart....Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Tony Plays - Costumes and Caves | DND404
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1:41:08Tony plays as Regna, a reformed Dragonborn Paladin joined by his friend Eekhom, played by Jared, a half-elf monk. These two are rising the ranks of the Hulbeck Humanitarians and this time find themselves on patrol during the Feast of the Moon. Things take a turn and the H.H. guards soon begin exploring the depths of Felecia’s abandoned manor.…
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DND404 | Dungeons and Dragons Podcast
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Tony Plays - Warts And All | DND404
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1:49:11Tony plays as Regna, a reformed Dragonborn Paladin joined by his friend Eekhom, played by Jared, a half-elf monk. These two are rising the ranks of the Hulbeck Humanitarians and are off to train a new recruit while out on patrol. A routine day quickly turns into a wet afternoon as they try to bring toad back to its bog.…
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DND404 | Dungeons and Dragons Podcast
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Ep. 118.5 - Arc 7 Recap | DND404
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4:57:56Drell’s Arc. It has been a long, cold journey as Armos and Minnis help Drell reclaim his father’s axe.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 118 - Drell's Dogma | DND404
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1:28:17Drell faces his greatest challenge yet... without The Bloodshard Bandits at his side. It’s make or break for our big, Goliath fighter.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 117.5 - Is The New Counterspell Better? | DND404
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49:52The Bloodshard Bandits take a long rest as they were having technical difficulties on the Arc 7 Finale.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 117 - Where Frost Goes To Rot | DND404
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1:11:39The Bloodshard Bandits have led Drell to his destiny. Here, he must face what could very well be the most difficult internal and external battle of his life...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 116 - The Valley Of Winds | DND404
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1:21:10The Bloodshard Bandits have reached the what they can only assume to be the legendary Valley of Winds!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 115 - The Hræsvelguardian | DND404
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1:17:24The Bloodshard Bandits come face to face with Itmungul in his TRUE form!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 114 - Frozen Arches | DND404
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1:19:32The Bloodshard Bandits leave the Ashe Borne camp and head to the North to face Itmungul!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 113 - Ashe Born | DND404
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1:41:12The Bloodshard Bandits arrive at the Ashe Borne camp to find something very unsuspected...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 112 - How To Raise A Dragon | DND404
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1:26:49The Bloodshard Bandits RUN AWAY!!! ... and back to the Kobolds to claim their rewards.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 111 - The Twins | DND404
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1:10:39The Bloodshard Bandits fend off the giants before them... and TWINS!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 110 - Mist Direction | DND404
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1:22:33After the Bloodshard Bandits encounter kobolds, giants, and a lot of fog!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 109 - Critters Of The Frozen Path | DND404
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1:31:57After the Bloodshard Bandits leave the grove, the encounter various creatures of mysterious intent...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 108 - Flower Picker | DND404
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1:20:14When friend turns foe, is it possible to turn them back? It may be too late...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 107 - The Grove | DND404
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1:31:23The Bloodshard Bandits leave Lord Baron’s Divider and finally venture north in search of an axe that belongs to Drell’s Father.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 106 - Foreboding | DND404
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1:47:12The Bloodshard Bandits take refuge at Lord Barons Divider preparing for a the treacherous journey ahead. But how long can south tryllis wait before its too late. Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/hSrsU492RPP.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST:DM Tony - TonyArmos V…
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DND404 | Dungeons and Dragons Podcast
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Ep. 105 - Sorry, Reginald... | DND404
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1:27:41The Bloodshard Bandits make there way back to Lord Baron’s Divider and re-unite with an old friend!!!Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 104 - Three Birds Of A Feather | DND404
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1:39:54The Bloodshard Bandits are reunited and are ready to sail back to south tryllis but not before handling one small nuisance beforehand. Big baby birds and little big tempers are on the rise! This episode is sponsored by Alara Dawnstar! Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/hSrsU492RPP.O. B…
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DND404 | Dungeons and Dragons Podcast
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Ep. 103 - Man Down | DND404
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1:35:36THe Bloodshard Bandits find themselves in a precarious situation in the middle of the Evertonne sea. A plan that went from good to bad to worse certainly got carried away... Not only that but the cries of a familiar friend among the wreckage....This episode is sponsored by Rahmel! Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND40…
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DND404 | Dungeons and Dragons Podcast
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Tony Plays - A Dog's Dinner | DND404
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1:38:25Tony plays as Regna, a reformed Dragonborn Paladin joined by his friend Aelion, played by Jared, a half-elf Wizard from out of town. These two have just joined the Hulbeck Humanitarians and are off to save Poochykins from perils that lie deep in the woods. (Adapted from One Shot Wonders: A Dog’s Dinner.…
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DND404 | Dungeons and Dragons Podcast
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Ep. 102 - Parley | DND404
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1:11:17Bloodshard Bandits face off with Captain Skerrow and his crew! A clash of steel and elaborate magical schemes is abound!This Episode is sponsored by Patreon Supporter Troy Skerrow!Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/hSrsU492RPP.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST:DM …
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DND404 | Dungeons and Dragons Podcast
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Ep. 101 - Hijacked | DND404
1:16:02
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1:16:02In this episode of DND404, the Bloodshard Bandits cross paths with a pirate ship while sailing across the Evertone Sea...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 100 - The Trip Back Home | DND404
1:36:58
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1:36:58The Bloodshard Bandits are sailing from the Kambuki Isles through the Evertonne sea toward South Tryllis! Heading for The Chapel of Skoreaus. Our heroes are currently in the midst of there five day journey! With the trip almost coming to an end it seems danger lurks near the shores of Aramore!Merch! - https://dnd404.com/Patreon! - https://www.patre…
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DND404 | Dungeons and Dragons Podcast
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Ep. 99.5 - Arc 6 Recap | DND404
4:37:09
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4:37:09This is a long one... the Bloodshard Bandits have come a long way and battled many monsters in their longest Arc to date! Armos, Drell, and Minnis will never be the same...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 99 - Arcane Moment | DND404
1:42:03
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1:42:03A Battle rages on within the battered walls of Sanlow! The Bloodshard Bandits go toe to toe with Cultist intrudersMerch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/dnd404P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST:DM Tony - Tony Armos Vanan - Jared Minnis PebbleWalker - Dan Drell of the…
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A hollowed beach, heavy waves and crushing winds... The Bloodshard Bandits try to make sense of what just happened...Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/dnd404P.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST:DM Tony - Tony Armos Vanan - Jared Minnis PebbleWalker - Dan Drell of …
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DND404 | Dungeons and Dragons Podcast
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Ep. 97 - The Beach Episode | DND404
1:19:34
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1:19:34In this episode of DND404, the Bloodshard Bandits make their way back to the beach after an incredible battle! Armos rizzes up the team, Drell challenges Minnis to a race, and Noomi finally talks to Minnis about his... stature...Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 96 - Tornado Of Lights | DND404
1:30:13
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1:30:13Blood soaked waters, a crashed crystal island and a monster of horrors face down the Bloodshard Bandits as they fight for they're lives as well discover the truth of the beast from within. Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/hSrsU492RPP.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154…
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DND404 | Dungeons and Dragons Podcast
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Ep. 95 - Hear No Evil | DND404
1:19:49
1:19:49
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1:19:49In this episode of DND404, the Bloodshard Bandits tune out the noise to fight their greatest foe yet. Is it the hydra... or is it something worse?Oleh DND404
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The Bloodshard Bandits find themselves onlooking a series of unfortunate events from the Ethereal plane. A group of scholars and clerics trying to sedate a raging minotaur... The Chieftain Khali...The gang decides to shift into the material plane to assist.Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://disco…
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DND404 | Dungeons and Dragons Podcast
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Ep. 93 - Imperceptible | DND404
1:40:24
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1:40:24The Bloodshard Bandits continue searching for the mythical, crystal-headed hydra of the Kambuki Isles. Minnis goes on a date, kind of, as Armos and Drell play wing men.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 92 - Penumbra | DND404
1:39:27
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1:39:27The Bloodshard Bandits delve deeper into the mystery that enshrouds Sanlow. What clues remain to be discovered just outside the shadow of secrecy!?Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/hSrsU492RPP.O. Box! - 663 N. 132nd St. Box 122 Omaha, NE 68154 CAST:DM Tony - Tony Armos Vanan - Jared M…
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DND404 | Dungeons and Dragons Podcast
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Ep. 91 - Shadows of Sanlow | DND404
1:27:27
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1:27:27In this episode of DND404, the Bloodshard Bandits find themselves in ”underbelly” of Sanlow. A dark past shrouds this town in mystery as Armos, Drell, and Minnis skulk through the Shadowfell.Oleh DND404
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DND404 | Dungeons and Dragons Podcast
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Ep. 90 - The Apprentice | DND404
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1:35:25The Bloodshard Bandits find a young dwavern blacksmith matching the description from Reece's research in the city of Sanlow. The gang pursues the mysterious blacksmith to find answers but only stumble upon more questions. Merch! - https://dnd404.com/Patreon! - https://www.patreon.com/DND404Discord! - https://discord.gg/hSrsU492RPP.O. Box! - 663 N. …
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