Podcasts about bloombergquint

Guest host Tara Khandelwal talks to Prerna Vohra about her recent move into the audio industry after over 10 years in publishing.What are the main differences between working in publishing and audio? How are editors and publishers especially well qualified for work in the audio industry?Prerna Vohra has a Masters in Publishing from the City University London and more than 10 years in the publishing experience. Her career included being an editor and publisher with some of the top names in publishing like Rupa, Hachette and Bloomsbury. Since July 2022, Prerna is now exploring the audio space with her new role at Kuku FM. Find her on LinkedIn. Tara is the Founder and Managing Director of Bound. She has previously worked at Penguin India, SheThePeople.TV, and BloombergQuint. Her writing has appeared in CondeNast Traveller, Scroll, and Midday, among others. Follow her on Linkedin, book a consultation call with her or drop her an email at Tarakhandelwal.bound@gmail.com.Bound is one of India's leading storytelling companies that helps you grow through stories. Follow us @boundindia on Instagram, Twitter, and Facebook.Produced by Aishwarya JavalgekarEdited by Kshitij Jadhav

Guest host Tara Khandelwal talks to Katy Loftus about the most popular genres in the UK and what Indian authors can do to break into the international market. What are the differences in publishing in the UK vs India? How important is social media in building an author profile? Why did she decide to become a freelancer? Katy Loftus is an award-winning publisher and editor. Her career includes editorial roles at companies like Oxford University Press and Net-A-Porter, as well as various positions at Penguin Random House UK where she was named editor of the year in 2021. Find her on LinkedIn. Tara is the Founder and Managing Director of Bound. In her role she steers creative, research, and production teams through a long-term content vision, and creates globally successful content IPs with loyal followers. She has previously worked at Penguin India, SheThePeople.TV, and BloombergQuint. Her writing has appeared in CondeNast Traveller, Scroll, Midday, and Outlook, among others. She also worked as an editor at Writer's Side, Asia's largest literary agency. Follow her on Linkedin, book a consultation call with her or drop her an email at Tarakhandelwal.bound@gmail.com.Bound is one of India's leading storytelling companies that helps you grow through stories. Follow us @boundindia on Instagram, Twitter, and Facebook.Produced by Aishwarya JavalgekarEdited by Kshitij Jadhav

Few stories have captured more headlines in India this year than the saga of Gautam Adani. Adani is CEO of the Adani Group and a regular fixture on the Forbes list of Global Billionaires. He was at one point the third richest man in the world.In January, Adani and his companies were accused of stock manipulation by New York-based investment firm Hindenburg Research. This sent Adani Group stocks plummeting while Adani's own net worth took a massive nosedive. Today, the group is trying to calm investors and strengthen its balance sheets even as both the Supreme Court and India's securities regulator are investing possible wrongdoing.To talk more about the Adani affair, Milan is joined on the show this week by Menaka Doshi, Senior Editor at Bloomberg News. Menaka is one of India's most respected financial journalists. She previously served as Managing Editor of BloombergQuint and Executive Editor of CNBC-TV18.Milan and Menaka discuss the origins of the Adani Group, the allegations against them, and the future for the embattled company. Plus, the two discuss the relationship between Gautam Adani and Prime Minister Narendra Modi and the risks of possible contagion. Episode notes:Menaka Doshi, “India's SEBI to submit report on Adani to Court-Appointed Panel,” Bloomberg, March 29, 2023.Menaka Doshi and Rajesh Kumar Singh, “Adani Total Gas Says Expansion and Spending Plans are Intact,” Bloomberg, February 7, 2023.Hindenburg Group, How the World's 3rd Richest Man is Pulling the Largest Con in Corporate History, January 24, 2023.Adani Group, “Adani Response,” January 29, 2023.

While experts are still weighing in on the hits and misses of Budget 2022 that was presented on 1 February, for a lot of India's millennials it's the government's plans for cryptocurrencies that they have waiting for. India's crypto market, as we know, has been swarming with a lot of young investors and the market seems to be growing. But a few months back, news of the government planning to prohibit all private cryptocurrencies in a new bill had left many worried about their investments on digital currencies for the last few months. However, with a new crypto tax regime the recent budget does offer some clarity on what government intends to do with cryptocurrencies. While taxing digital currencies doesn't necessarily mean that government has legalised crypto, what is it that the government is indicating? Does it mean that it's warming upto cryptocurrencies? Does it mean that the ban is off the table? And the biggest question of all — what do these new announcements mean for investors? Explaining the fine print of it all in this episode will be CoinCrunch CEO Naimish Sanghvi. We'll also hear snippets of lawyers Badri Narayanan and Vivek Gupta's conversation with the BloombergQuint where they talk about the gray areas of these announcements. Host and Producer: Shorbori Purkayastha Editor: Shelly Walia Music: Big Bang Fuzz Listen to The Big Story podcast on: Apple: https://apple.co/2AYdLIl Saavn: http://bit.ly/2oix78C Google Podcasts: http://bit.ly/2ntMV7S Spotify: https://spoti.fi/2IyLAUQ Deezer: http://bit.ly/2Vrf5Ng Castbox: http://bit.ly/2VqZ9ur

The online beauty and personal care products industry in India is growing fast but challenges posed by the draft e-commerce rules and high customer acquisition costs remain. With market leader Nykaa going public, is the sector coming of age? Manish Taneja, the CEO of Purplle, Darpan Sanghvi, Co-founder at MyGlamm and Aditya Kondawar, the COO at JST Investments explain. Credits: Chetali Chadha, Shivani Taneja, Made By Monda, Shruti Arjun Anand, BloombergQuint, CNBC TV-18

Minority shareholders' voices are getting louder and they're pushing back against management decisions that they think are unfair to investors. What's behind the rise of shareholder activism? Shriram Subramanian, MD, InGovern Research as well as Amit Tandon, MD, IiAS, and ET's Pavan Burugula explain this phenomenon. Credits: Flame of Truth (RIL), CNBC-TV18, MoneyControl, News in 30 Seconds, Wipro, BloombergQuint

Jobs that are being created today are increasingly technical and tend to require some degree of specialised skill. Without these skills, even the ‘created' jobs will remain vacant. It is estimated that over a million jobs are vacant in the Central Government and one of the biggest reasons for these vacancies is a skill shortage.Aarushi Kataria and Sridhar Krishna propose that the sustainable way to create employment, and fill vacancies is by upskilling people through Career Impact Bonds (CIB).Suggested reading:The Career Impact BondFollow Sridhar Krishna on Twitter - https://twitter.com/sridhar_kriYou can listen to this show and other awesome shows on the new and improved IVM Podcast App on Android: https://ivm.today/android or iOS: https://ivm.today/iosYou can check out our website at http://www.ivmpodcasts.com

Trading in stocks, funds, cryptocurrency and other financial assets has been made super easy by smartphone-based apps. A dark side to this ease of use is that many users can make trades without understanding the associated risks and can end up losing money. User interaction design of such apps plays a big part in the user experience.Mihir Mahajan talks to Anirudh Tagat and Saksham Singh to understand these issues and how responsible design practice and a robust regulatory framework can help protect investors while not impeding the investing opportunities enabled by smartphone apps.Anirudh Tagat is a research author at the Department of Economics, Monk Prayogshala, Mumbai.Saksham Singh is a researcher with the Centre for Social and Behaviour Change, Ashoka University. He is also a part of India's Behavioural Insights Unit at the NITI Aayog.Further Readings Anirudh and Saksham's article in BloombergQuint Dark Patterns in User Experience Vivek Kaul in Mint on regulating newer forms of investingFollow Mihir Mahajan on Twitter - https://twitter.com/mihirmahajanFollow Anirudh Tagat on Twitter - https://twitter.com/inhouseconomistFollow Saksham Singh on Twitter - https://twitter.com/sakshamO_oYou can listen to this show and other awesome shows on the new and improved IVM Podcast App on Android: https://ivm.today/android or iOS: https://ivm.today/iosYou can check out our website at http://www.ivmpodcasts.com

PMC finally has a buyer. RBI has given Centrum and BharatPe the initial approval to rescue the scam-hit co-operative bank. What does this mean for anxious PMC depositors, the new buyers, and the sector? ET's Sugata Ghosh and Ashwin Manikandan discuss. Credits: TV18, Times Now, ET Now, BloombergQuint.

Banking fortunes are linked to the fortunes of economies. When Asia entered the COVID-19 crisis, banks were well-prepared and far more resilient this time than they were during the crisis of 2008. The outlook still remains worrisome as trillions of dollars of GDP are still under threat, and the near-term recovery of the economy is patchy and uncertain in many Asian markets. In this episode, we discuss how the banking sector is dealing with this crisis, how they should think about recovery and growth, and what are some of the big discontinuities and shifts that can be seen in the financial sector today. Join the conversation with senior journalists Ira Dugal, executive editor at BloombergQuint; Jamie Lee, deputy news editor at The Business Times Singapore; and Chris Wright, Asia editor of Euromoney to explore how Asia's banking sector is faring through the pandemic.See www.mckinsey.com/privacy-policy for privacy information

Banking fortunes are linked to the fortunes of economies. When Asia entered the COVID-19 crisis, banks were well-prepared and far more resilient this time than they were during the crisis of 2008. The outlook still remains worrisome as trillions of dollars of GDP are still under threat, and the near-term recovery of the economy is patchy and uncertain in many Asian markets. In this episode, we discuss how the banking sector is dealing with this crisis, how they should think about recovery and growth, and what are some of the big discontinuities and shifts that can be seen in the financial sector today. Join the conversation with senior journalists Ira Dugal, executive editor at BloombergQuint; Jamie Lee, deputy news editor at The Business Times Singapore; and Chris Wright, Asia editor of Euromoney to explore how Asia's banking sector is faring through the pandemic. Read more > Listen to the podcast (duration: 44:02) >

In this episode listen to Dave West, President, Asia Pacific, Japan, and China at Cisco, and Ivor Soans, Editor - Special Features, BloombergQuint, as they discuss leadership in today’s work scenario. To learn more about Cisco’s business resiliency solutions, check out https://www.cisco.com/c/m/en_in/business-resiliency.html

Aishwarya talks to Tara Khandelwal (freelance editor and innovative entrepreneur) about the qualities of a good editor and why it's important to demystify the publishing industry.In the last 10 years, Tara Khandelwal has edited more than 100 books including Udayan Mukherjee's ‘Essential Items' and Anmol Malik's ‘Three Impossible Wishes'. She started Bound in 2018 to bridge the gap between writers and other creative people AND places where they could develop their skills or get published. Her curiosity and trial & error approach led her to establish Bound's writers' retreats and launch two stellar podcasts! Tara talks about how running her own company was her dream job as a kid and why good grammar is the foundation for all good writing. She and Aishwarya bond over their experiences with international publishing programs. Are editors and writers technically the same? How can you become a freelance editor? And why are there no publishing houses in Mumbai? Tune in to find out!Resources:Book Recommendation: The Impeccable Integrity of Ruby R by Moni MohsinThe University of East Anglia Creative Writing Workshops in India: https://www.ashoka.edu.in/stories/the-university-of-east-anglia-creative-writing-workshops-in-india-in-partnership-with-ashoka-university-543A Crime Podcast by Juggernaut Books, A Spy In China: https://open.spotify.com/show/26cU4K0DKbvVXWWb4S3xzP Humber's Creative Book Publishing certificate program: https://mediaarts.humber.ca/programs/creative-book-publishing.html The Columbia Publishing Course: https://journalism.columbia.edu/cpc Tara Khandelwal is an editor and the founder of Bound. She has worked at companies such as BloombergQuint, HarperCollins, Penguin India and SheThePeople.TV and is an alumna of the Columbia University Publishing Course. She interviews authors in India's no. 1 literary podcast, Books & Beyond with Bound. Find her on Instagram @tarakhandelwal489 and Twitter @tarakh489.‘The Book People' is brought to you by Bound, a company that creates stories and helps individuals and brands tell their stories. Writer and booklover Aishwarya Javalgekar interviews people whose lives and careers revolve around books. Read more: https://boundindia.com/the-book-people-podcast/Soundtrack: Fork and Spoon Follow us @boundindia on Instagram, Twitter, YouTube, Facebook and LinkedIn.Get your work edited by Tara or Bound's other expert editors! Read about our services: https://boundindia.com/services/ or contact us at connect@boundindia.com. Find the discount code in this episode to get 10% off all editing services! 

Aayush Ailawadi wears a lot of hats- he started off as a lawyer, worked as an anchor and special correspondent at BloombergQuint (where he was part of the company's launch team) , has been an anchor and producer at CNBC TV18, and worked as a presenter for Star Sports on the Indian Super League. Most recently, he worked on the popular Netflix series 'Bad Boy Billionaires: India'. He also runs his own podcast- "Let's Tech About it"! Join hosts- Aniket, Mazhar, Rishabh and Shubham, as we speak with Aayush on how he made his way into the broadcasting space. He takes us through his: - Decision to leave the court room and dive into broadcasting - Optimism about the growth in football in India - Insight on the types of jobs in broadcasting - Eye-opening trip to the 2018 FIFA World Cup in Russia and stories from being a presenting in India - Experience with how the broadcasting space is evolving and how digital media is changing the game Fun fact- he is also a massive Liverpool fan, and we get his input on the high and lows of Red's season!! If you are interested in sports broadcasting, whether behind the camera or in front of it, this is the podcast for you! ----- Check out all the awesome stuff Aayush does on: - Instagram: https://www.instagram.com/theaayushailawadi/ - Spotify: https://open.spotify.com/show/3cdrhOKAmFdV9LpTr17PeI ----- Leave your comments on thoughts and suggestions for upcoming episodes. Like, Share, Subscribe/Follow our page for episodes every week! https://linktr.ee/AllAboutSportsThePodcast --- Support this podcast: https://anchor.fm/allaboutsports-thepodcast/support

The prospect of a fresh ban on cryptocurrencies in India has sent an army of crypto investors scrambling to think of ways to protect or liquidate their holdings. This, as the government appears to be in final stages of bringing in a new legislation governing Bitcoin and other such tokens in India. On Thursday, BloombergQuint reported that India will go ahead with a complete ban on investment in cryptocurrencies via domestic and foreign exchanges, after giving investors a transition period of three-to-six months. The full contents of proposed cryptocurrency bill are not in public domain. While there is no official data available, the three largest crypto-exchanges—WazirX, Unocoin and CoinDCX—claim that there are anywhere between 60 lakh to one crore cryptocurrency holders in the country with holdings of over Rs 10,000 crore. These crypto investors are looking at options ranging from ‘self-custody wallets' to transferring and selling their tokens. To be sure, provisions included in the upcoming legislation, once detailed, will eventually guide these choices. Option 1: Move Towards ‘Self-Custody' Wallets One option being explored by crypto investors is to move their holdings into ‘self-custody' wallets. This means that investors could either store their digital wealth in a hard wallet, which is a small digital device like a USB drive, microSD card or a smart card. This device stores the investor's private bitcoin key/s and can be locked away at a safe place or sent to a friend or relative. Some of the popular hardware wallets for storing bitcoins include Ledger, Trezor, SafePal and BitLox. Further, there are online self-custody wallet services provided by global firms such as Blockchain, Electrum and MetaMask, among others. Youtuber Aditya Singh, who runs a channel called ‘Crypto India', told BloombergQuint that many cryptocurrency investors have reached out with queries on how they could stash their digital tokens away from cryptocurrency exchange wallets. “There are multiple ways to do that (store cryptocurrency) but the easiest is to take the custody of your wallet,” said Singh. “Investors who are worried that it might be end of the road for cryptocurrency in India are shifting their virtual currencies from exchange custody to self-custody online or hardware wallets,” he said. However, there is a caveat. If a cryptocurrency is transferred via a wallet that exists on an Indian exchange, authorities can track it down if they want. Even as the blockchain system is decentralised, the know-your-customer norms followed by the country's exchanges require users to reveal their identity and that could be a way for authorities to trace it back to the person who holds cryptocurrency in the exchange's wallet,” said Singh. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Our guest this week is Gerard O'Reilly. Gerard is co-CEO and chief investment officer of Dimensional Fund Advisors, an asset manager headquartered in Austin, Texas, that manages more than $600 billion using a systematic investing approach. In his role, Gerard works with his co-CEO, Dave Butler, to set the firm's vision and strategy while also overseeing its investment processes. Prior to assuming his current post, Gerard was Dimensional's head of research. In addition to serving as a Dimensional director, Gerard co-chairs the firm's Investment Research Committee and is a member of its Investment Committee. Gerard obtained his doctorate in aeronautics from the California Institute of Technology and his master's degree in high-performance computing from Trinity College, Dublin.BackgroundBio“Dimensional Eyes the Fund Sector’s Trillion-Dollar Club,” by Owen Walker, thefinancialtimes, March 31, 2019.ETF Launch “Dimensional Fund Advisors Significantly Expands ETF Offering,” dimensional.com, Nov. 17, 2020.“Dimensional Investing in an Active ETF Structure,” dimensional.com, Nov. 17, 2020.“Dimensional Funds ETFs Launch as Quant Plans to Convert Mutual Funds,” by Claire Ballentine, Bloombergquint, Nov. 19, 2020.“Why Dimensional Fund Advisors Is Converting Six of its Mutual Funds to the ETF Format,” by Lizzy Gurdus, cnbc.com, Dec. 1, 2020. Innovation, Value, and Return“Market Beaters: A Different Dimension,” by Beverly Goodman, barrons.com, Jan. 6, 2014.“3 Shades of Value,” by Daniel Sotiroff, Morningstar.com, Sept. 26, 2018.“Robert Merton on Financial Innovation,” by Robert C. Merton, dimensional.com, June 24, 2019.“The Real Reason Value Has Been Lagging Growth,” by Julie Segal, institutionalinvestor.com, Oct. 24, 2019.“Tesla’s Charge Reveals Weak Points of Indexing,” dimensional.com, Jan. 15, 2020.“Untangling Intangibles,” by Savina Rizova and Namiko Saito, dimensional.com, Sept. 28, 2020.“An Exceptional Value Premium,” dimensional.com, Oct. 5, 2020. “Securities Lending Fees as a Short-Term Driver of Stock Returns,” by Kaitlin Simpson Hendrix and Gavin Crabb, dimensional.com, Nov. 11, 2020.ESG“Sustainability Report,” dimensional.com, Dec. 31, 2020.“Burton Malkiel: ‘I Am Not a Big Fan of ESG Investing,’ ” The Long View podcast with Christine Benz and Jeff Ptak, Morningstar.com, Aug. 5, 2020.“Dimensional Finds ‘Little Evidence’ Emissions Are Linked to Expected Returns,” by Christine Idzelis, institutionalinvestor.com, Oct. 22, 2020.

In an interview with BloombergQuint, Raghuram Rajan, while discussing the global outlook of the economy and the effects of the pandemic on emerging markets, suggested another Taper Tantrum episode might be on its way. But since taper tantrum isn't a word you come across so often, we thought maybe we could simplify it. So in today's episode, we discuss this and more.

In the latest episode of Half-fry and Toast, I catch up with a true Jack in the (Idiot) box who went from Law to Media. Aayush kicked off his tryst with media, way back when he was just 9 years old. He speaks about his journey navigating the world of law by day and media by night and how he decided to go head on in to the world of sports, tech, news and much much more. Aayush is a media professional whose diverse creative career spans over a decade in the media and entertainment industry, he has worked on numerous shows with Network18 and BloombergQuint. Not only has he anchored primetime current affairs shows, but he has also produced and co-hosted over 200 episodes of feature shows/ weekend programming, which enjoyed a loyal audience on television and digital platforms as well. Tune in to catch Aayush in action behind the mic with your host on Half-fry and Toast. If you enjoyed listening, please write to me on halffryandtoast@gmail.com and like, subscribe and share Half-fry and Toast on social! Instagram: https://www.instagram.com/halffryandtoast/ Twitter: https://twitter.com/Halffryandtoast Steaming on: Spotify: https://open.spotify.com/episode/2kONWot5747PtDIe4R5wSW?si=0-9kA0nLTdmzUKXz-7BGUA Apple: https://podcasts.apple.com/in/podcast/half-fry-and-toast/id1515345000 JioSaavn: https://www.saavn.com/s/show/half-fry-and-toast/1/Oo5uC3ztmkk_ ©️ 2020, KARISHMA DASWANI. All rights reserved.

This newsletter is really a weekly public policy thought-letter. While excellent newsletters on specific themes within public policy already exist, this thought-letter is about frameworks, mental models, and key ideas that will hopefully help you think about any public policy problem in imaginative ways. It seeks to answer just one question: how do I think about a particular public policy problem/solution?PS: If you enjoy listening instead of reading, we have this edition available as an audio narration courtesy the good folks at Ad-Auris. If you have any feedback, please send it to us.India Policy Watch: Rajan-Acharya on PSB ReformsInsights on burning policy issues in India— RSJRaghuram Rajan and Viral Acharya have a new paper titled, Indian Banks: A Time To Reform?, that looks at a comprehensive set of reforms that will enable public sector banks to drive the Indian economic growth engine instead of being a drag they currently are. Rajan and Acharya have held leadership roles at the RBI and know a thing or two about issues relating to the banking sector. Here’s a nice summary of the recommendations by the BloombergQuint.So, what to make of them? There are 4 points we’d like to raise:Is this the time? Rajan and Acharya argue maintaining status quo is untenable. The huge strain on government finances now shifts the Overton window for much-needed reforms of the public sector banking system. This is their hope. In my view, shifting the status quo at this time carries the risk of falling off the brink. There’s a fog of uncertainty about the duration of the pandemic, the state of our public finances and the nature and length of recovery. More than any immediate reform we need some stability, however precarious, at this moment.What about the empire? The paper reiterates the need for a systemic solution to the bad loan problem. The idea for a nationalised and a private “bad bank” is revived along with a strict time-bound process for bankruptcy procedure. The recent books by Urjit Patel (who succeeded Rajan) and Acharya have outlined in great detail how there’s no incentive for anyone in the political economy or in the banking sector to implement the IBC process. Everyone is happy kicking the can down the road. Any attempt at enforcing strict insolvency guidelines is met with resistance. Patel named the relevant chapter in his book ‘The Empire Strikes Back’. And this resistance to change was the state of affairs before the pandemic. So, to expect a serious reckoning by the government now is out of question. In fact, we seem to be going the other direction. The suspension of IBC is to be extended by another quarter and the restructuring proposal by Kamath committee leaves the discretion with the bank on triggering default procedure. We will have to learn to live with elevated levels of NPAs and banking system stress especially in public sector banks (PSBs).Who will implement them? There are proposals to improve the performance of PSBs through greater operational freedom, performance-linked bank financing plans and winding down the Department of Financial Services (hah!). While these are good intentions, operationalising them in a system that has bloated cost structure, unionisation and relatively lax performance management culture won’t be easy. There are suggestions that are akin to the Kamath committee on giving loans based on cash flow and liquidity position of the companies instead of their assets. More aggressive norms for provisioning for bad loans and making sure the promoters have skin in the game in long-term infrastructure projects are also suggested. There are other suggestions to manage banking system risks better that have been around for some time. But implementing them will mean standing up to the ‘empire’. Is stake sale the panacea? Finally, we have the issue of the ownership structure of banks. The paper proposes bringing the stake of the government below 50 per cent (state-linked banks) and gradual privatisation of select PSBs. While this step to create a distance between it and the everyday operations of the bank is necessary, this alone won’t address the governance issues of the PSBs. There’s an entire superstructure (the ‘empire’) that manages and lives off the PSBs that includes unions, bureaucrats, various oversight committees and temporal political interests. This influences everything from recruitment, performance management, promotions, disbursement guidelines to risk management practices. This won’t change overnight merely because the government stake is below 50 per cent.The paper brings together all the extant issues relating to banking reforms in India. In that sense it is a valuable compendium of ideas – most old, some new. The key question remains: what’s the political will to take up these reforms now? The authors are aware of this too:“While we have put together a variety of suggestions, many of these have been discussed in the past. Many concern public sector banks and their governance. Is there any reason to be more confident they will be implemented now?”And they bring up the issue of incentive. What’s in it either for the bureaucracy or the government (either this or any in future) to take up these urgent reforms? As they write in conclusion:“The government obtains enormous power from directing bank lending. Sometimes this power is exercised to advance public goals such as financial inclusion or infrastructure finance, sometimes it is used to offer patronage to, or exercise control over, industrialists. The government also has potential access to an enormous amount of sensitive information through its state ownership – for instance, the identity of purchasers of electoral bonds is known only to the State Bank of India. The government can oblige party members by appointing favorites to positions in public sector banks, including on their boards – and once there, some of these appointees use their influence to direct bank loans to favored parties. Parliamentarians of all parties are not immune to the lure of public sector banks – the banks are often asked to arrange the logistics for their fact-finding committee meetings in enjoyable locales across the country. And Finance Ministry bureaucrats are reluctant to let go of the power that allows a young joint secretary to order the chairpersons of national banks around.”Just reading that passage is kind of depressing. Besides the above, the ordinary citizen isn’t exercised by the deteriorating condition of public sector banking in India. It will never be an issue in any election. Rajan and Acharya believe the pandemic and the enormous resource constraints it will place on the government will make it difficult to recapitalise the banks. This in turn will curb credit flow and impede growth in the economy. “With government deficits and debt levels reaching enormous levels, there simply are not enough budgetary resources to recapitalize banks. An encumbered, under-capitalized public sector banking system will not lend well, which will be a huge tax on growth, as it has been for the last six years. More worrisome, without reform the banks will cumulate further losses. Status quo is simply not an option.”“It is important that the government use the urgency of the moment to draw key players together to develop a reasonable reform path; it should be comprehensive and not just a one-off “tick-the-box” exercise dealing with a thin sliver of issues. It should then reach a consensus with concerned players such as unions and political parties, and then embark on the reforms.”We aren’t as sanguine as they are. The political capital that will need to be spent (or invested) in implementing the reforms they have suggested in this paper is enormous. While this government and the PM enjoy unprecedented goodwill and support, this is a bet that might just be too big even for it. The PM has shown an appetite for ‘bold’ steps. But they tend to be one-off events. A deeper and deliberate structural reform of this kind that will take years to implement will be a genuine bold measure. One can only hope he take that step. A Framework a Week: Nine Competing Visions of EqualityTools for thinking public policy— Pranay KotasthaneAssume the Indian government plans to distribute ₹50,000 crores to 50 crore Indians this year, how would it go about doing this equitably? The intuitively obvious solution is to divide the sum equally — ₹1000 to everyone. Simple, isn’t it? Think again. Isn’t it unfair to the nearly 80 crore people left out of this distribution in the first place? Even amongst the chosen 50 crore Indians, isn’t equal division unfair to some who need this money more than others? Isn’t it unfair to the socially disadvantaged groups who might not even have access to prove their identity?This is what Deborah Stone calls the paradox of distribution in her textbook Policy Paradox:“equality often means inequality, and equal treatment often means unequal treatment. The same distribution may look equal or unequal, depending on where you focus.”This is a key insight. Stone lays out a useful framework for thinking about what equality means. She lists nine ways in which one can use equity language to distribute, often in ways that you would consider to be unequal. Each of these ways equalises along one dimension and can be considered as being ‘unequal’ on another. These nine ways are split along three dimensions — who gets something, what gets distributed, and how is the distribution done. (Deborah Stone, Policy Paradox, Page 47)Way 1 deals with membership. It’s easy to say that things should be divided equally amongst all but who constitutes this all is a tricky question. Citizenship, for example, is a membership criterion that is exclusive by nature. Way 2 deals with merit. It argues that the more deserving should be rewarded for their accomplishment. Hence, any distribution problem should also be resolved by identifying achievement or aptitude.Way 3 is a claim that resources should be allocated based on ranked subgroups. For example, employees in all organisations are paid according to rank. Equally ranked get equal pay, unequally ranked get unequal payouts.Way 4 is a claim for group-based distribution. Caste-based reservation is an example of this kind of equality.Way 5 expands the boundaries of the item. If the government were to distribute the Rs 50000 crore only to those Indians who haven’t received their rations from the public distribution system in the last one month, the boundary of the item being distributed changes from only cash to a basket comprising of cash and food.Way 6 is a claim on distribution according to the value that the recipients ascribe to that item.Ways 7, 8, and 9 are about equalising the process. Way 7 talks about distribution based on fair competition between all players. Way 8 talks about distributing based on a lottery so that chances are equalised. Way 9 calls for a vote to decide who gets what.This categorisation into nine definitions of equality is useful for a policy analyst. There’s no right answer on which of these is the best method, of course. What can be said is that Way 1 (equal slices amongst all members) and Way 8 (lottery) are intuitively powerful and are used by policymakers when they can't find better reasons to justify their decisions.So the lesson for a policy analyst is that faced with a distributive problem, look at these definitions of equality and pick one that seems the fairest. It’s easy to say that inequality is a problem. It’s far more difficult to answer what being equal means.World Policy Watch: Tool To Change Social NormsInsights on burning policy issues in India—RSJShould courts be framing social policies? This question is the subtext of a number of articles that have appeared since the death of US Supreme Court (SC) associate justice, Ruth Bader Ginsberg (RBG) last week. The Trump administration is moving with speed to get a conservative judge confirmed by the Senate before the elections in November. The Republicans control the senate and nominating a judge of their ideological persuasion now will decisively swing the 9-member SC bench to a 6-3 ‘conservative’ majority. Why has nominating a judge to the highest court turned into such a contentious political issue? Not so long back judges would get nominated with overwhelming majority from the Senate. RBG won her confirmation with a 96-3 majority. Justice Antonin Scalia who was on the other end of the ideological divide won his nomination 98-0. The days of such bipartisanship are over. Why? All About IncentivesLike everything in life, it is about incentives. First, the lifelong tenure of a judge means they have the ability to influence decisions for a long period of time. As the ideological divide has gotten sharper, both Democrats and Republicans are keen on nominating more ‘extreme’ judges. Second, there’s an incentive to nominate relatively younger judges who will sit at the SC for a long time and influence decisions. This has meant nominating less experienced jurists who are ideologically ‘pure’. This riles up the other side. Lastly, an increase in the number of judgments that are decided by the slenderest of margins (5-4) works as a feedback loop to the parties. It feeds into their anxieties of what’s at stake and they have greater motivation to nominate more extreme candidates.At the heart of these debates is a deeper question about the larger role the SC has taken over the years in legislating social issues in the US. The two most famous examples, of course, are Roe vs Wade and Brown vs Board of Education. Courts have turned into lawmakers is how it appears. Seen from here in India, US is a litigious country. As far back as 1835, Tocqueville had noted ‘sooner or later, every major dispute in the US ends up in courtroom.’ So, it is no surprise when women, minorities and other under-represented sections started contesting the social norms handed down to them, the matters reached courts for resolution. The Conservative AnxietyThe conservative preference is for any social change to be gradual. Societal change is shaped through the many eddies of debates and protests that resist the flow of the mainstream. As they gain wider acceptance, they begin changing the course of flow of social norms. This could be painstakingly slow, but it makes change acceptable and sustainable. For the conservatives, the role of the judges is to apply laws, not to create them. Going beyond this brief becomes judicial activism. So, the original conservative view was all issues of public or social policy should be discussed and debated by the legislative and executive branches of the state that represents the society. Courts resolve disputes following the written down law while sending back any ambiguities to the legislative arm for approval. There is a lot of merit in this argument. It is difficult to imagine how a single complainant with a specific grievance in a combative judicial process be the basis for drafting a norm for the society. Isn’t there a risk of the courts overlooking the true costs and benefits to the society while judging a single case? Would the second order impact of their decision be visible to them? Should we allow the judges to bring in their personal values into issues of constitutional merits? And let’s not pretend judges are above this. ‘Judicial activism’ is unavoidable if we let courts decide on such issues. In fact, the current debate in the US about nominations is an implicit acceptance that judges insert their personal code into judgments. When you consider the adversarial nature of many historic social judgments (both in the US and India) and the costs such a process extracts in polarising the society further, it becomes clear litigation is a blunt instrument to carve out social change. Courts shouldn’t pre-empt social and political debates. The Liberal ActivismThe liberal position, as it has evolved over time, is marked with suspicion of the society reforming itself. The classical liberal approach to this problem was to accelerate the process of change in the society. This was to be achieved through a combined political, social and cultural assault on the bastions of conservatism in the society. This led to the portrait of a liberal as a perpetual activist in a constant state of mobilisation to upend existing norms. The liberal belief that society must change from within was no different from the conservative stance. The difference was on the need to induce change through proactive measures and on the speed of change. This need for speed eventually led the liberals to the courts. To the liberals, this wasn’t difficult to justify. The law isn’t ever ‘value neutral’. Like Sahir Ludhianvi once wrote (Chitralekha, 1964):“Yeh paap hai kya, yeh punya hai kya, reeton pe dharm ki moharein hai,Har yug mein badalte dharmon ko kaise aadarsh banaoge?” What’s right or wrong has always been a compilation of enforceable values. This is a forever changing or evolving construct. Since people use these values in their daily lives, the courts can define their boundaries of ‘reasonableness’. A couple of other reasons nudged the liberal position closer to supporting judicial activism. First, it became clear that there can be no regime where every issue of public policy can be resolved through the executive or legislative arms of the state. How representative is the legislature anyway? Or, how compromised? This centralised policymaking unit that changes every few years in a democratic process can’t be expected to draft policies that will be considered the final word and stand the test of time. Also, there are common laws that precede the state and changing them requires blunt force of law itself. Second, as the legislative environment turned more partisan and dysfunctional, the drafting of laws became more imprecise or vague to accommodate political bargains. This has meant a constant need for interpreting or divining the legislative intent of laws. This act of precise interpretation and proofreading has turned judges into lawmakers by default. Lastly, the liberals who are often blamed for nominating activist judges argue this is a matter of perspective. Only when the issue at hand goes against the conservative agenda, it is considered judicial activism. Not otherwise. The Perils Of (Any Kind Of) CentralisationBased on evidence it can be argued the conservatives have lost the argument. The courts are at front and centre of social policymaking today. The many historic judgments that cleave the US society are evidence of it. The legislative arms of the state representing the society aren’t drafting these laws. But here’s the irony. The conservatives have co-opted the liberal model. With a few strokes of good fortune, the single-minded agenda of turning the US SC bench into conservative majority has been fruitful. The peril of pushing social change into the cabins of a powerful, centralised and an autonomous institution is clear to the liberals now when the shoe is on the other foot. A blunt instrument doesn’t look blunt till it is in the hands of your adversary. The path of wresting back control to the society will be long and arduous.  Matsyanyaaya: COVID-19 Warrants Long Overdue Doctrinal Shifts in Military PlanningBig fish eating small fish = Foreign Policy in action— Pranay KotasthaneLt Gen Prakash Menon and I have a new paper out in the inaugural edition of the Indian Public Policy Review journal.We argue that the economic shock of COVID-19 makes the current method of defence budgeting redundant. When the GDP itself is set to reduce, defence expenditure demands as a percentage of GDP is less feasible. On the other hand, the situation on the Line of Actual Control (LAC) in Ladakh has demonstrated again that managing China, not just Pakistan, should be the focus of India’s military planning. To overcome these two challenges, a few incremental budget cuts, postponing of capital acquisition plans, and forgoing of salaries for a day would be insufficient. Instead, we argue that it’s imperative to address the mismatches between India’s political objectives and the kind of force structure put in place to meet those objectives. We identify four such mismatches.Derived from these mismatches, we propose six doctrinal shifts — a paradigm of employable power, a structure for integrated theatre commands, conversion of manpower to human capital investment, organisational changes to build firepower, and a shift in focus to the seas and new domains.Do read and let us know what you think. HomeWorkReading and listening recommendations on public policy matters[Article] Excerpts from Charles Tilly classic Misreading, then Rereading, Nineteenth-Century Social Change.[Article] The P.J. Nayak committee (2014) report on Banking reforms. It has a lot of points that remain relevant.[Paper] A must-read paper on equality and fairness by Christina Starmans, Mark Sheskin and Paul Bloom. Money quote: “humans naturally favour fair distributions, not equal ones, and that when fairness and equality clash, people prefer fair inequality over unfair equality”.[Article] Looking beyond reservations for equality. That’s all for this weekend. Read and share. Get on the email list at publicpolicy.substack.com

Hear from the main protagonists of the podcast. Tara and Michelle are back to give you a sneak-peek into Season 2 and into their lives!You know Tara and Michelle as co-workers and co-hosts. But did you know that they are also very good friends? In the first episode of Books and Beyond with Bound Season 2, dive deeper into the lives of Tara and Michelle, the protagonists of this podcast. How does Michelle find the time to write? Why does Tara love Michelle’s mom? How does Michelle feel about her move to Bombay? How did Tara learn to break out of her shell? Why does Michelle call Tara a ‘bosslady’? And do they see themselves planning the perfect murder? Find out more about their experiences, their friendship, and what you can expect from Season 2 in this revelatory episode. 'Books and Beyond with Bound' is the podcast where Tara Khandelwal and Michelle D'costa of Bound talk to some of the best writers in India and find out what makes them tick.Tara Khandelwal is an editor and the founder of Bound. She is a graduate of Barnard College, Columbia University and the Columbia Publishing Course and has worked with Penguin, BloombergQuint, SheThePeople.TV and more. Michelle D’costa is a Mangalorean writer from Mumbai. Her poetry and prose has been published in over 50 literary journals. She loves to interview writers and talks about books on Youtube. She is the Managing Editor at Bound.Tune in every Wednesday for a new episode.Follow Bound on Instagram, Facebook and Twitter: @boundindiaFollow our podcast on Instagram: @boundpodcastsYou can check out our website at https://www.boundindia.com/podcast/

On this episode of BQ Big Decisions, BloombergQuint speaks to Financial Educator Mrin Agarwal about what should be the right mix for your investment portfolio.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions episode, Amol Joshi of PlanRupee Investments speaks to BloombergQuint about the advantages of investing a portion of an individual’s portfolio in assets abroad, and specific use cases for such a strategy.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint spoke with Sujata Ahlawat, vice-president and head of direct to consumer at TransUnion CIBIL, about how a credit score is calculated and what you need to do to make sure you have the best possible score.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

BloombergQuint speaks to Gautam Kaila, Head- Investment Solutions, Sharekhan to understand some tips and tricks that financial planners employ to choose the mutual fund schemes to recommend to the investors.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

The new income tax policy comes with lower tax rates and new tax slabs but keeps out the exemptions that were allowed earlier. BloombergQuint speaks to Arvind Rao, founder of Arvind Rao & Associates to find out all about the new tax regime and its impact on your finances.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Parizad Sirwalla, Partner-Tax, at KPMG to find out what avenues are still available for those with last-minute tax saving on their minds.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Gautam Kalia, head investment solutions at Sharekhan about the characteristics of each type of equity mutual fund scheme and his recommendations in the most popular ones.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint’s Alex Mathew speaks to registered investment advisor and financial mentor Mrin Agarwal about the challenges involved in financial planning for the single parent, and how to overcome some of the most basic problems that arise in such a situation.You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at http://www.ivmpodcasts.com/

The start of the new year is a great time to look back and identify things that went wrong in the year gone by. On this BQ Big Decisions podcast, Alex Mathew speaks to Amol Joshi, Founder, Planrupee Investments, about the biggest learnings from 2019, and how best to position your investments in 2020. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this episode of BQ Big Decisions, BloombergQuint speaks to Aswin Patni, head of products & alternatives at Axis Mutual Fund to understand what are the non-traditional avenues to invest. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast BloombergQuint speaks to Agarwal about how homemakers can contribute towards making their households more financially secure. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Arvind Rao, certified financial planner and SEBI-registered investment advisor, about the salient features of the Bharat Bond ETF, why it is superior to long-term fixed deposits, and who will benefit most from investing in it. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint spoke to Suresh Sadgopan, founder of Ladder7 Financial Advisories, to discuss how much an individual can safely borrow, and how to optimise the repayment of a home loan. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Aashish Sommaiyaa, managing director at Motilal Oswal Asset Management Company and Pratik Oswal, head - passive funds at Motial Oswal about how to use passive mutual fund schemes, and why they’re the ideal investment for the novice investor. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

BloombergQuint speaks to Harshvardhan Roongta, Founder of Roongta Securities to understand if you keep a target return for your investments and how you can beat the market volatility to achieve your desired financial goal. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this week's BQ Big Decisions BloombergQuint speaks to Arvind Rao of Arvind Rao & Associates to find out the difference between direct & regular mutual fund plans and what all do you need to keep in mind while investing. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Mrin Agarwal, Financial Educator & Money Mentor about how can newly weds and young couples manage their money effectively You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this edition of BQ Big Decisions, BloombergQuint speaks to Amol Joshi, Founder of PlanRupee Investments to discuss the concepts of STPs and SWPs and how they can be used effectively. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast BloombergQuint speaks to registered investment advisor Mrin Agarwal to discuss the simple steps you can take to start the new Samvat on the right foot. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint spoke to Kartik Jhaveri, financial expert and director at Transcend Consulting, to understand the various factors a potential car buyer has to bear in mind. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, Amol Joshi of PlanRupee Investments speaks about the different types of debt mutual fund schemes and the situations in which they can be used. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Gupta about the life-changing experience of launching a startup, and what prospective startup owners should keep in mind when it comes to their finances. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this edition of BQ Big Decisions, BloombergQuint speaks to Kiran Telang, certified financial planner and SEBI registered investment advisor to understand how an individual should plan the transition to retired life. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this episode of BQ Big Decisions, BloombergQuint spoke to Gaurav Mashruwala, certified financial planner, to know the thumb rules freelancers can follow to live a healthy financial life. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

Women may just be better equipped to make big-money decisions. But, societal norms and conditioning hold them back. On this BQ Big Decisions podcast, Alex Mathew speaks to Abaneeta Chakraborty, founder and managing partner of Abanwill Consultants about the major differences between men and women when it comes to their behaviour with money. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions Podcast, BloombergQuint speaks to Harshvardhan Roongta of Roongta Securities to find out what all can be done to sustain financially if you suddenly lose your job You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, we discuss why many people shy away from conversations about life insurance. Certified financial planner and founder Roongta Securities, Harshvardhan Roongta speaks to Alex Mathew about the type of life insurance that most people must buy, and the mis-selling that’s made people wary of the product. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Telang about the behavioural tendencies that most people have when it comes to their investments, and how knowing one’s risk profile can help avoid mistakes. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

On this BQ Big Decisions podcast, BloombergQuint speaks to Amol Joshi, founder Planrupee Investments, to find out where bank deposits rank in today’s spectrum of financial investments, and why it’s a bad idea to leave a huge sum of money lying idle in a savings bank account. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/

BloombergQuint speaks to Arvind Rao, Founder of Arvind Rao & Associates to find out how Index Funds work, their pros and cons and why they are a good option for new investors. You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app. You can check out our website at http://www.ivmpodcasts.com/