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It's February, and nothing warms the heart more than a great love story! So, join Siskoid and Paul as they discuss Super DC Giant S-21 – Love 1971! This comic has some great stories and beautiful art to go along with its stunning cover. Plus, don't miss the next installment of Catch Ya Later, Calculator with Shawn M. Myers! This month's instocktrades.com selections: https://www.instocktrades.com/products/sep150488/weird-love-that-is-the-way-i-like-it-hc-vol-02 https://www.instocktrades.com/products/sep231195/barnstormers-ballad-of-love-murder-tp-(c-0-1-2) Check out Charlie Armentano's Website: https://charlesarmentanoart.com/ And don't forget Siskoid's blog: siskoid.blogspot.com Have a question or comment? Have a specific issue you love and want to talk to us about it? Have a favorite issue and want to be a guest? E-mail us at dcspecialcast@gmail.com Follow us on Bluesky at https://bsky.app/profile/dcspecialcast.bsky.social Subscribe to DC SpecialCast: Subscribe on Apple Podcasts: https://podcasts.apple.com/us/podcast/dc-specialcast/id1781264740 Don't use Apple Podcasts? Use this link for your podcast catcher: http://feeds.feedburner.com/dcspecialcast Also available on Spotify, Audible, and Amazon Music This podcast is a proud member of the FIRE AND WATER PODCAST NETWORK: Fire & Water website: https://fireandwaterpodcast.com Fire & Water Facebook page: https://www.facebook.com/FWPodcastNetwork Fire & Water on Bluesky: https://bsky.app/profile/fwpodcasts.bsky.social Fire & Water Podcast Network on Patreon: https://www.patreon.com/fwpodcasts "Cloud Dancer " Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/
In this "Money Meets Medicine" episode, hosts Justin Harvey and Dr. Jimmy Turner discuss the most impactful financial strategies for physicians, drawing on Jimmy's decade of experience post-training. They highlight the importance of saving 30% of gross income early, leveraging compound interest, and prioritizing high-yield actions like mortgage refinancing. The hosts debunk common myths, such as the overemphasis on backdoor Roth IRAs and real estate investing, and advocate for intentional, personalized financial planning. They also explore creating non-clinical income streams, empowering physicians to achieve financial independence and greater work-life balance.Take one of the personal finance classes you wish you had in medical school through Medical Degree Financial University: https://moneymeetsmedicine.com/MDFUGet the financial freedom Calculator: https://moneymeetsmedicine.com/FIREEvery doctor needs own-occupation disability insurance. To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disabilityWant a free copy of The Physician Philosopher's Guide to Personal Finance? Visit https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Behavior Gap Radio: Exploring human behavior...with a Sharpie
There's not a single question on the SAT or ACT that absolutely requires a calculator to solve. So are these powerful tools even necessary, and if so, where do they make a difference? Amy and Mike invited educators Vinny Madera and Tony Miglio to explore the importance of calculators on the SAT and ACT. What are five things you will learn in this episode? How important is a calculator on the SAT and ACT? What are the best calculators to use on the tests? What skills are helpful to know for using DESMOS on the SAT and ACT? Is it better to take the digital ACT in order to be able to use DESMOS? Should test takers download useful programs into their calculators in advance? MEET OUR GUESTS Vinny Madera is the guy who shapes Test Prep Wizards and helps the team determine the most effective and efficient ways to get the results students need. Tutoring in some capacity since college, Vinny decided in 2007 to become a full-time tutor and works directly with over 800 students per year through his classes and individual students. Aiding numerous school districts, private institutions, and tutoring companies, Vinny has developed all Test Prep Wizards' reporting software and has written the company's SAT and ACT manuals, which have been licensed by many school districts as an efficient, low-cost means of helping their students. Vinny is a huge nerd fan of data and statistics, moonlighting as a math enthusiast at Fairfield University, where he teaches a variety of math courses and freshman experience workshops. He brings this love of numbers and trends to Test Prep Wizards in the form of its state-of-the-art analysis programming. Vinny is the author of Demystifying the Calculator: A Guide to Using the TI-84 PLUS CE on the ACT. Vinny first appeared on the podcast on episode 141 to discuss Tracking Test Score Data, in episode 225 to discuss Calculator Usage On The SAT and ACT, in episode 340 for a SPONSOR SPOTLIGHT: Test Prep Wizards Score Reporting, and in episode 511 to discuss Answer Traps on Standardized Tests. Find Vinny at testprepwizards.com or vinny@testprepwizards.com. Tony Miglio is the owner of NKY Tutoring and a nationally sought-after test prep expert specializing in the math section of the ACT. He has worked with students both locally in the Greater Cincinnati area and also with students throughout the US and Europe. He works with students in person and virtually; in groups, and 1-1, and is able to help build a rapport with each of his students to help students grow in confidence, along with growing their ACT Scores. Tony is a former teacher and has been an ACT tutor for more than 15 years, with the last 10 specializing in helping students improve their ACT Math Scores. His specialty is customizing the mental approach for each student based on their score to drive success on the test. Tony first appeared on the podcast on episode 48 to discuss How Test Prep and Sports Are Similar, and in episode 225 to discuss Calculator Usage On The SAT and ACT. Find Tony at nkytutoring@gmail.com or nkytutoring.com. LINKS Live Online Calculator Class Demystifying the Calculator: A Guide to Using the TI-84 PLUS CE on the ACT Be Calculator Smart on Test Day RELATED EPISODES Using The Desmos Calculator In Digital Testing All About Digital SAT Math Calculator Usage On The SAT and ACT ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.
Kathryn Porritt is the founder and CEO of Iconic Empires, where she specializes in helping elite experts build luxury and premium positioning. With a focus on monetization expertise and authority, Kathryn works with clients to elevate their brands and expand their vision of possibilities. Her unique approach emphasizes mastery, rarity, and transformative experiences, enabling her clients to connect deeply with high-end buyers. In this episode, Mark Stiving sits down with Kathryn Porritt to explore the intricacies of selling luxury goods. They discuss the differences between luxury and premium buyers, the importance of creating an expanded vision of possibilities, and how to effectively communicate value in high-end markets. Why You Have to Check Out This Episode: Learn why luxury buyers don't negotiate and how expanding a buyer's future vision removes price from the conversation entirely. Understand the difference between premium and luxury pricing, and why treating them the same quietly caps your revenue. Discover how elite sellers confidently say bold prices without flinching, discounting, or overselling. "Expand a vision of possibility for people—show them what they can't see for themselves. When you focus on that, pricing becomes easy." – Kathryn Porritt Topics Covered: 01:30 – What Luxury Buyers Actually Buy. Why true luxury customers aren't purchasing features or value props—they're buying rarity, mastery, and first-of-its-kind experiences. 05:40 – Premium vs. Luxury: The Line Most Sellers Miss. How premium buyers still compare and negotiate—while luxury buyers step outside price entirely. 08:45 – The "Expanded Vision of Possibility" Framework. Why the most powerful pricing conversations anchor buyers in a future they didn't know was available. 12:30 – When Budgets Grow (Even in Corporations). How elite sellers expand scope and impact—causing "fixed" corporate budgets to quietly increase. 16:10 – Confidence, Control, and Saying the Number. Why the price you can say without hesitation determines whether the buyer trusts you. 19:40 – Intuition vs. Calculators in Luxury Pricing. How elite experts balance cost, margins, and intuition when there is no reference price. 23:20 – Why This Isn't Just for Luxury Brands. Mark connects the dots: this is exactly how every B2B seller should be selling value. 26:40 – One Pricing Principle That Changes Everything. Kathryn's closing advice—and why expanding possibilities is the fastest path to higher prices. Key Takeaways: "People at this level, people who buy luxury, like true luxury buyers, they're looking for something that's not necessarily about the value." – Kathryn Porritt "That expanded vision of possibility is the difference. And like I said, that's when pricing becomes almost obsolete in the conversation." – Kathryn Porritt "For a luxury buyer, it's not about the budget." – Kathryn Porritt People & Resources Mentioned: Iconic Empires – Kathryn's firm helping elite experts position, monetize, and sell at the highest levels. Jeff Bezos – Referenced as an example of true luxury buying behavior where budget is irrelevant Coca-Cola - Mentioned as a corporate example in the context of budget discussions for events. Luxury Market - Discussed as a distinct market segment with unique buyer motivations. Connect with Kathryn Porritt: Website: https://www.kathrynporritt.com/ Website: https://iconicempire.com Linkedin: https://www.linkedin.com/in/kathryn-porritt?originalSubdomain=au Connect with Mark Stiving: LinkedIn: https://www.linkedin.com/in/stiving Email: mark@impactpricing.com
Download for Mobile | Podcast Preview | Full Timestamps Older Twitch VODs are now being uploaded to the new channel: https://www.youtube.com/@CastleSuperBeastArchive What Card Games Could Have Been No Other Choice: Writers Are Currently Cooking The Sickest Anti AI Scripts Alex's Attitude Era Monster Hunter Wilds: More DLC, More Framerate I Got Points on the Back End of Marathon Watch live: twitch.tv/castlesuperbeast Go to http://drinkag1.com/superbeast to get 3 free AG1 & AGZ travel packs + FREE Vitamin D3+K2 & AG1 Welcome Kit with your first subscription order! - Go to http://brooklynbedding.com/superbeast for 30% off. - Go to http://factormeals.com/castle50off and use code castle50off to get 50% off your first Factor box PLUS free breakfast for 1 year. - Go to http://shopify.com/superbeast to stop waiting and start selling. Street Fighter 6 - Alex Teaser Trailer Season 2 Announcement Trailer for Fatal Fury: City of the Wolves 2XKO Season 1 2026 Launch It turns out Monster Hunter Wilds' PC performance issues may be tied to how much DLC you own, as discovered by one player. YouTube are reportedly "cracking down" and deleting custom subtitles on videos. Hololive music videos are among those impacted, who use the "hidden" formats as they allow a much wider range of styling options on subtitles A Reality TV Show Is Going To Put Actual People Inside A Fallout Vault Austin Eruption: I beat Anthem 100% before it died so you don't have to Anthem Executive Producer: The Truth About What Happened on Anthem - Complete (2011-2026)
Calculators that assess your risk for heart disease miss the boat—half of actual heart attack victims were said to be at low-risk; Why an app could erroneously tell you that you should be taking a statin; New ways to fix a calcified aortic valve; Common amino acid may bust Alzheimer's plaque, Adequate sleep may trump healthy diet, exercise for longevity; Chinese vegetarians less likely than omnivores to surpass 100; Easily-gobbled “fast food” stokes total daily calorie intake; Common chemicals hike MS risk two-fold; Low-glutamate diet relieves migraines; Fish oil confers substantial stroke, heart attack protection to dialysis patients.
Caleb Guilliams & Chris Naugle ( @TheChrisNaugle ) showcase a brand new calculator that demonstrates the true value of whole life insurance compared to other assets. They then debate the true math behind buying cars using the infinite banking concept. 00:00 Introduction and Whole Life Insurance Misconceptions 01:17 Defining Infinite Banking Concept (IBC) 02:12 The Role of Whole Life Insurance in IBC 04:26 Insuring Your Greatest Asset (Ability to Earn) 06:08 Societal Shift and Lack of Selfless Thinking 09:31 Keys to Financial Success 11:11 Whole Life Insurance as an Efficient Asset 15:39 The Stigma of Whole Life Insurance 16:30 Whole Life Insurance is Not an Investment 17:39 Uninterrupted Compounding Interest 19:30 Competitive Growth and the Tax Advantage 30:45 Why Chris Naugle Uses IBC for Cars 37:05 Mathematical Debate on Loans and Savings 47:29 Personal Preference and Capital Movement 49:57 Alternative Strategies (Leasing) and Conclusion Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
- John Jones, Soil Scientist - University of Illinois - Gary Schnitkey, Agricultural Economist - University of Illinois - Laura Gentry, Water Quality Specialist - Illinois Corn Growers AssociationFrom the Land Grant University in Urbana-Champaign, Illinois this is a special edition of the Closing Market Report. Presentations from the 2025 Farm Assets Conference; Why You Should Use the N-Rate Calculator. I'm University of Illinois Extension's Todd Gleason.During the December conference we were joined by a panel of experts: John Jones, a soil fertility specialist from the University of Illinois; Gary Schnitkey, an agricultural economist also from the U of I; and Laura Gentry, of the Illinois Corn Growers Association's.In an era of fluctuating input costs, these three believe corn production is about maximizing profits rather than yields. Today you'll listen to them break down how the N-Rate Calculator and the Precision Conservation Management program are helping farmers protect both the local watershed and their bottom line by finding the 'sweet spot' for nitrogen applications. We'll begin with soil scientist John Jones.54:38 running time ★ Support this podcast ★
Listen to the rest of this premium episode by subscribing at patreon.com/knowyourenemy.We were excited to record and share this conversation with Matt Dinan, a professor who teaches in a Great Books program at St. Thomas University, a liberal arts college in New Brunswick, Canada. It brings together longtime preoccupations of the show — Saul Bellow's late novel, Ravelstein, Allan Bloom, Straussian political philosophy — with the fraught emergence of LLMs like ChatGPT. This past semester, Dinan took a fairly radical approach to confronting AI in the classroom, and it seemed to work. We consider the art of teaching, the qualities of great teachers, and what it all reveals about an insidious technology's effect on how we live and learn as citizens in, at least for now, a democratic republic.Listen again: "Unraveling Allan Bloom and Saul Bellow," June 21, 2021Sources:Saul Bellow, Ravelstein (2000)Allan Bloom, The Closing of the American Mind (1987)Matt Dinan, "Saul Bellow's Ravelstein," Hedgehog Review, Spring 2025— "Permission Structures," Prefaces, Dec 10, 2025— "It's Not Just a Calculator," Prefaces, Aug 28, 2024Jorge Luis Borges, "The Lottery in Babylon," Collected Fictions (1999)Jonathan Malesic, "ChatGPT Is a Gimmick: AI cannot save us from the effort of learning to live and die," Hedgehog Review, May 21, 2025— "Taming the Demon: How desert monks put work in its place," Commonweal, Feb 2, 2019
194: How Executive Assistants can turn daily support work into hard numbers that lead to real raises. In this conversation, Elizabeth Sutkowska (based in Gdańsk, Poland) breaks down a practical way to negotiate your EA salary with data, using an EA ROI Calculator that tracks time saved, cost avoided, and the business impact leaders actually understand. If you've ever heard "your salary is fair," this is the exact mindset (and method) that flips the script. We also go beyond compensation and dig into the bigger picture of modern Executive Support: - From Au Pair → Hospitality → Corporate EA: how a non-linear career path builds the real skills top executives need (pressure handling, service excellence, business instincts, communication). - Executive Assistant in Poland: why the role is often underestimated, how stereotypes still shape expectations, and what needs to change for stronger recognition and career growth. - EA vs Chief of Staff: an honest take on titles, responsibilities, and why many EAs already do "CoS-level" work, without the label. - Community & visibility: why Elizabeth founded the Assistologist to elevate the profession through representation, education, and a "Polish roots, global mindset" approach. - Plus a few human moments (work-life balance, habits, and the funny IKEA/Swedish candy confession). This episode is packed with tools, perspective, and confidence boosts you can apply immediately. Drop a comment: Have you ever been told your salary is "fair"? What did you do next? Subscribe for more Executive Support career strategies. About Elizabeth Sutkowska: Elizabeth is an experienced Executive Assistant with international expertise supporting leaders in fast-paced corporate and startup environments. Her career spans Poland, Cyprus, the USA, and Italy, and she has studied at five universities in fields such as international relations, corporate communication, business psychology, media, and marketing. Elizabeth is the founder of Assistologist, a Poland-based association aimed at elevating the Executive Assistant's role through global best practices and strategic collaboration. She is passionate about healthy living, mindfulness, and exploring the world. LINKS:
REGISTRATION CLOSES SUN, JAN 4· Three Pillars Method Accelerator - Sign up here· Three Pillars Method Masterclass for Coaches - Sign up here---We're discussing the accuracy of calorie trackers and how they influence your understanding of caloric needs. You'll gain insights into how these tools often provide misleading estimates and learn a more intuitive approach to managing your diet based on your weight and intake.
This episode is powerful because it focuses on the free thermal imaging calculators we have at ThermalElectrician.com and how they can be useful to anyone who is using a thermal camera in the field for accurate and reliable results. Listen as Paul Abernathy, CEO of Electrical Code Academy, Inc., and creator of the Certified Thermal Electrician program. Taking great electricians and making them amazingly great electricians.Listen as Paul Abernathy, CEO and Founder of Electrical Code Academy, Inc., the leading electrical educator in the country, discusses electrical code, electrical trade, and electrical business-related topics to help electricians maximize their knowledge and industry investment.If you are looking to learn more about the National Electrical Code, for electrical exam preparation, or to better your knowledge of the NEC, then visit https://fasttraxsystem.com for all the electrical code training you will ever need by the leading electrical educator in the country with the best NEC learning program on the planet.Become a supporter of this podcast: https://www.spreaker.com/podcast/master-the-nec-podcast--1083733/support.Struggling with the National Electrical Code? Discover the real difference at Electrical Code Academy, Inc.—where you'll learn from the nation's most down-to-earth NEC expert who genuinely cares about your success. No fluff. No gimmicks. Just the best NEC training you'll actually remember.Visit https://FastTraxSystem.com to learn more.
This episode is powerful because it focuses on the free thermal imaging calculators we have at ThermalElectrician.com and how they can be useful to anyone who is using a thermal camera in the field for accurate and reliable results. Listen as Paul Abernathy, CEO of Electrical Code Academy, Inc., and creator of the Certified Thermal Electrician program. Taking great electricians and making them amazingly great electricians.Listen as Paul Abernathy, CEO and Founder of Electrical Code Academy, Inc., the leading electrical educator in the country, discusses electrical code, electrical trade, and electrical business-related topics to help electricians maximize their knowledge and industry investment.If you are looking to learn more about the National Electrical Code, for electrical exam preparation, or to better your knowledge of the NEC, then visit https://fasttraxsystem.com for all the electrical code training you will ever need by the leading electrical educator in the country with the best NEC learning program on the planet.Become a supporter of this podcast: https://www.spreaker.com/podcast/electrify-electrician-podcast--4131858/support.
This episode is powerful because it focuses on the free thermal imaging calculators we have at ThermalElectrician.com and how they can be useful to anyone who is using a thermal camera in the field for accurate and reliable results. Listen as Paul Abernathy, CEO of Electrical Code Academy, Inc., and creator of the Certified Thermal Electrician program. Taking great electricians and making them amazingly great electricians.Listen as Paul Abernathy, CEO and Founder of Electrical Code Academy, Inc., the leading electrical educator in the country, discusses electrical code, electrical trade, and electrical business-related topics to help electricians maximize their knowledge and industry investment.If you are looking to learn more about the National Electrical Code, for electrical exam preparation, or to better your knowledge of the NEC, then visit https://fasttraxsystem.com for all the electrical code training you will ever need by the leading electrical educator in the country with the best NEC learning program on the planet.Become a supporter of this podcast: https://www.spreaker.com/podcast/ask-paul-national-electrical-code--4971115/support.
Conservative Mouthpiece Radio - Join The "Patriot Party" and have a VOICE
This episode is powerful because it focuses on the free thermal imaging calculators we have at ThermalElectrician.com and how they can be useful to anyone who is using a thermal camera in the field for accurate and reliable results. Listen as Paul Abernathy, CEO of Electrical Code Academy, Inc., and creator of the Certified Thermal Electrician program. Taking great electricians and making them amazingly great electricians.Listen as Paul Abernathy, CEO and Founder of Electrical Code Academy, Inc., the leading electrical educator in the country, discusses electrical code, electrical trade, and electrical business-related topics to help electricians maximize their knowledge and industry investment.If you are looking to learn more about the National Electrical Code, for electrical exam preparation, or to better your knowledge of the NEC, then visit https://fasttraxsystem.com for all the electrical code training you will ever need by the leading electrical educator in the country with the best NEC learning program on the planet.Become a supporter of this podcast: https://www.spreaker.com/podcast/ask-paul-national-electrical-code--4971115/support.
As 2025 draws to a close, Monika invites listeners to pause and take stock of their financial lives with a simple but powerful money report card. Using a series of clear yes-or-no questions, this episode walks through the absolute basics of money management — cash-flow systems, emergency funds, insurance, debt control, savings discipline, asset allocation, retirement planning, and the importance of reviewing nominees and wills. The aim is to help listeners check whether their financial foundations are truly in place as they head into a new year. Monika explains why these non-negotiables matter far more than chasing returns or reacting to headlines. From separating bank accounts for income, spending, and investing, to keeping high-interest debt under control, building long-term equity exposure, diversifying across asset classes, and planning well ahead for retirement, this episode serves as a practical year-end audit. Financial freedom, she reminds listeners, is built through systems, consistency, and periodic review — not shortcuts or noise. In listener queries, an anonymous NRI working in the merchant navy asks about portfolio diversification, marriage, and building a second income stream; an anonymous retiree from Pune seeks guidance on government-backed investment options and monthly income after returning from the Gulf; and Reshma from Bengaluru writes about navigating divorce, career transition, retirement planning, and securing her daughter's future.Chapters:(00:00 – 00:00) Your 2025 Money Report Card: Are the Basics in Place?(00:00 – 00:00) Scoring Yourself on Savings, Debt, Insurance, and Retirement(00:00 – 00:00) Building Wealth and Passive Income as a Young NRI(00:00 – 00:00) Safe Government Investment Options for Retired Couples(00:00 – 00:00) Planning Finances After Divorce and Protecting Dignity in RetirementIf you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com Monika's book on basic money managementhttps://www.monikahalan.com/lets-talk-money-english/Monika's book on mutual fundshttps://www.monikahalan.com/lets-talk-mutual-funds/Monika's workbook on recording your financial lifehttps://www.monikahalan.com/lets-talk-legacy/Calculatorshttps://investor.sebi.gov.in/calculators/index.htmlYou can find Monika on her social media @monikahalan. Twitter @MonikaHalanInstagram @MonikaHalanFacebook @MonikaHalanLinkedIn @MonikaHalanProduction House: www.inoutcreatives.comProduction Assistant: Anshika Gogoi
In this conversation, Dr. Heidi explores the concept of emotional math in toxic relationships, where positive experiences are often met with negativity. She explains how the toxic individuals in these relationships operate under a scarcity mindset, leading to insecurity and competition over emotional resources. Dr. Heidi emphasizes the importance of recognizing one's own successes and not minimizing them due to the reactions of others. The discussion also highlights the predictability of toxic behaviors, allowing individuals to better navigate their relationships and own their happiness.See the servies that Dr Heidi offers to help you better understand your situation.https://coachingwithdrheidi.com/Also check out her sister podcast, 'Fak'n Tired' where she talks all about the after affects and emotional wreckage that is left over after the toxic relationship has ended.https://open.spotify.com/show/0IGMxKcGNPOPDQMrCmfs8a?si=pYah9QsXTduaaGOEUzsCTA
This week, Monika unpacks a busy stretch of economic headlines: a strong 8.2% GDP print, the rupee slipping to 90 against the dollar, and a 0.25% RBI rate cut. She begins by explaining why exchange rates matter, what drives currency demand, and why the recent rupee depreciation reflects global risk aversion, high US rates, and a seasonal widening of the current account deficit. Drawing on economist Sajjid Chinoy's view, Monika highlights how a softer rupee can improve export competitiveness and why exceptionally low inflation gives the RBI confidence to allow the currency to adjust without triggering instability.Monika then explains how the RBI's rate cut fits into the broader macro picture. With the repo rate now at 5.25%, the combination of strong growth, a gently depreciating rupee, and lower rates signals confidence in inflation staying anchored. She outlines what this means for savers and borrowers: FD and RBI bond investors may want to lock in long tenors while real returns remain high, borrowers should see relief ahead, and long-duration debt funds may offer tactical opportunities. Above all, she reminds listeners that stable financial plans should not be derailed by headlines or market noise.In listener questions, Anonymous from Bengaluru seeks guidance on navigating family wealth differences while choosing a life partner, Akila weighs renting versus buying as she plans a move before eventually settling into a retirement home, and Aravind from Kerala asks whether investing across top democratic countries is practical for an Indian investor.Chapters:00:00 – 00:00) RBI Rate Cuts and the Rupee at 90(00:00 – 00:00) Why the Rupee Fell and What It Means for Inflation(00:00 – 00:00) Navigating Marriage Decisions When Families Differ in Wealth(00:00 – 00:00) Choosing Between Renting, Buying, or Retirement Homes(00:00 – 00:00) Should Indians Invest Internationally? Practical Global Diversificationhttps://www.youtube.com/watch?v=9897cGJP0wAIf you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com Monika's book on basic money managementhttps://www.monikahalan.com/lets-talk-money-english/Monika's book on mutual fundshttps://www.monikahalan.com/lets-talk-mutual-funds/Monika's workbook on recording your financial lifehttps://www.monikahalan.com/lets-talk-legacy/Calculatorshttps://investor.sebi.gov.in/calculators/index.htmlYou can find Monika on her social media @monikahalan. Twitter @MonikaHalanInstagram @MonikaHalanFacebook @MonikaHalanLinkedIn @MonikaHalanProduction House: www.inoutcreatives.comProduction Assistant: Anshika Gogoi
This week, Monika breaks down the surprising 8.2% GDP growth print for India's July–September quarter, and why the cheer hasn't shown up in the stock market. She revisits the GDP formula and unpacks the drivers — strong private consumption, resilient services growth, a manufacturing boost from PLI schemes and GST cuts, and a surge in MSME credit that signals broad-based momentum. With India on track for ~7.5% growth this year, the fastest among major economies, Monika explains why this is solid, real activity rather than price-led nominal growth, and how that strength is built on rural spending, good monsoons and recent tax breaks.Monika then turns to the puzzle of why markets remain flat despite a booming economy. She outlines three reasons: money being pulled into IPOs, gold and silver instead of the secondary market; exceptionally low inflation reducing the GDP deflator and therefore nominal growth (the number that drives corporate revenues, profits and market valuations); and stretched valuations that still need cooling. Even so, she emphasises that long-term investors should stay disciplined, maintain asset allocation across debt and equity, and rebalance if needed — the structural growth story remains intact. She also previews next week's discussion on the RBI's rate decision and what it means for households.In listener questions, Shivam asks whether to prepay a low-rate education loan or invest aggressively, and how he and his wife should structure ₹1 lakh of monthly SIPs; Monika explains why, given their stability, keeping the loan and investing for growth works. Piyush writes in from a severe debt trap with home loans, personal loans and card dues far exceeding income; Monika urges him to involve family, liquidate assets and seek structured help through a debt resolution service. Anup, writing from Germany, wants to sell two residential plots and eventually buy a home in India; Monika points him toward Sections 54 and 54F, suggests consulting a CA on capital-gains planning, and outlines why a short-term loan followed by staggered asset sales may be practical.Chapters:(00:00 – 00:00) Why GDP Is Hot but Markets Are Cool(00:00 – 00:00) Understanding the Drivers Behind India's Surprising Q2 GDP(00:00 – 00:00) EMI vs Investing: Navigating a Low-Interest Education Loan(00:00 – 00:00) Escaping a Debt Trap: Practical Steps When Repayments Overwhelm(00:00 – 00:00) Selling Plots or Taking a Loan: Smart Strategies for Buying a Home in Indiahttps://freed.care/ https://cleartax.in/s/section-54-capital-gains-exemption#h6If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com Monika's book on basic money managementhttps://www.monikahalan.com/lets-talk-money-english/Monika's book on mutual fundshttps://www.monikahalan.com/lets-talk-mutual-funds/Monika's workbook on recording your financial lifehttps://www.monikahalan.com/lets-talk-legacy/Calculatorshttps://investor.sebi.gov.in/calculators/index.htmlYou can find Monika on her social media @monikahalan. Twitter @MonikaHalanInstagram @MonikaHalanFacebook @MonikaHalanLinkedIn @MonikaHalanProduction House: www.inoutcreatives.comProduction Assistant: Anshika Gogoi
Are mortgage rates finally dropping? In this housing market forecast for 2025 and 2026, I break down what the Fed is doing, how real rates are moving right now, and what this means for real estate investing and homebuyers. Whether you're investing for beginners or a seasoned buyer, understanding the stock market connection to mortgage rates is critical right now. With 35 years of mortgage experience, my mission is simple: One application, one credit pull, and 30+ lenders competing for your business. We shop the market so you don't have to.
In today's MadTech Daily, we cover publishers taking legal action against Meta over its serving of scam ads as well as the impact of this year's Black Friday, with record online sales in the US while UK high streets saw slowing traffic. Plus Ad Net Zero celebrating five years and unveiling its global strategy.
ASIC Commissioner Alan Kirkland is the top cop for consumers in the investment markets - and he wants you to know that those superannuation calculators that suggest you need very large amounts of money to retire can be unreliable.In Kirkland's view, those calculations often tend to be too high.Sure, aspire to having as much as you can in super - but don't believe all you read... especially if it's compiled by someone who gets paid for getting your money on the books. ASIC Commissioner Alan Kirkland joins Associate Editor - Wealth, James Kirby in this episode. In today's show, we cover: What you need to know about superannuation calculators The First Guardian Super Fiasco - can we stop it happening again? A fresh warning on the private credit boom Moneysmart updates its offering See omnystudio.com/listener for privacy information.
This week, Monika unpacks one of the biggest economic reforms since 1991 — the newly implemented labour codes. She recounts a timely moment from recording the Groww-ing India podcast with Amitabh Kant, where a discussion on delayed labour reforms was followed, just hours later, by the government announcing full implementation. Monika explains why India's post-independence socialist legacy created 29 overlapping, conflicting labour laws that made hiring, firing and compliance incredibly difficult, spawning “dwarf firms,” encouraging informality, and adding nearly 10% to product costs through routine procedural bribes. The new codes — covering wages, social security, industrial relations, and occupational safety & health — replace this maze with a far simpler, unified structure.Monika breaks down what changes for businesses, workers and the broader economy. Compliance sections drop by 75%, forms by 60%, and registers by 76%, with everything now digital. Unified definitions across laws reduce inspector discretion and bring transparency to how wages, benefits and severance are calculated. For workers, coverage expands beyond formal jobs to include gig and platform workers, with mandated timelines for wage payments and clearer rules on overtime. States can now raise the threshold for prior government approval on layoffs, potentially enabling large-scale manufacturing. Lower compliance costs should translate into better margins, fairer protections for informal workers, and eventually lower prices — feeding into higher growth and better long-term returns for investors. For most white-collar employees, the most immediate change may be a rise in delivery fees as gig-worker welfare contributions kick in.In listener questions, Mamta - a 50-year-old single woman between jobs - asks where to keep her savings safely. Sanjay, a 22-year-old data analyst saving an impressive 41% of his income, seeks help budgeting for a future Vietnam trip without derailing long-term investing. And Shikha, entering her 40s with a ₹1.5 crore corpus, wants clarity on buying a house versus renting and how to structure her retirement plan. Monika lays out practical paths for each situation, balancing caution with empowerment.Chapters:(00:00 – 00:00) What the new labour laws mean for you(00:00 – 00:00) Safe saving options when you can't take risk(00:00 – 00:00) How to plan a holiday while investing aggressively(00:00 – 00:00) Should you buy a house or keep renting?(00:00 – 00:00) How to plan retirement when starting latehttps://www.youtube.com/@ThrivebyGrowwIf you have financial questions that you'd like answers for, please email us at mailme@monikahalan.com Monika's book on basic money managementhttps://www.monikahalan.com/lets-talk-money-english/Monika's book on mutual fundshttps://www.monikahalan.com/lets-talk-mutual-funds/Monika's workbook on recording your financial lifehttps://www.monikahalan.com/lets-talk-legacy/Calculatorshttps://investor.sebi.gov.in/calculators/index.htmlYou can find Monika on her social media @monikahalan. Twitter @MonikaHalanInstagram @MonikaHalanFacebook @MonikaHalanLinkedIn @MonikaHalanProduction House: www.inoutcreatives.comProduction Assistant: Anshika Gogoi
Day 3 Deal: Production Planner & Profitability Calculator Bundle Both tools for only $79 (normally $149) http://prooftoproduct.com/bfdeals ____________ Our biggest sale of the year is happening this week! 5 days. 5 Deals. Each day brings an exclusive offer available for just 24 hours. Mon, Nov 24: Retailer Roundtable interview series for just $17! Tues, Nov 25: Paper Camp early access & extended payment plan! Wed, Nov 26: Production Planner & Profitability Calculator Bundle Thurs, Nov 27: Live Workshop: 3 Day Sales Campaign Fri, Nov 28: LABS Annual Membership with recurring discount! ALL WEEK: First 5 people to apply for the Advisory Board mastermind receive $6,000 off and a free 1-1 strategy session. Apply here: http://prooftoproduct.com/ab-application Once the deal is gone, it's gone. Make sure to grab them before time runs out! http://prooftoproduct.com/bfdeals
Isabel found two calculator apps on her man's phone. When she clicked into one she was prompted to put in a password so she wants to know what he could be hiding in this secret app.
Isabel found two calculator apps on her man's phone. When she clicked into one she was prompted to put in a password so she wants to know what he could be hiding in this secret app.See omnystudio.com/listener for privacy information.
Isabel found two calculator apps on her man's phone. When she clicked into one she was prompted to put in a password so she wants to know what he could be hiding in this secret app.
Isabel found two calculator apps on her man's phone. When she clicked into one she was prompted to put in a password so she wants to know what he could be hiding in this secret app.See omnystudio.com/listener for privacy information.
Windows 1.0 came out on 20th November, 1985, introducing graphical user interface to the masses for the first time. Well, that was the concept, anyway; in truth, users required mighty hardware by the standards of the time (TWO floppy drives!), and hardly anybody bought it. But it laid the template for what would, within a decade, become world-conquering software. Built on MS-DOS, Microsoft's operating system empowered users to point-and-click rather than type commands, and run multiple programs at once (theoretically: your PC would actually politely freeze most of them…), including Paint, Notepad, Calculator, and a game called Reversi. In this episode, Arion, Rebecca and Olly discover how Bill Gates and Paul Allen built their ambition to have a ‘computer in every home'; review Apple's flawed lawsuit against Microsoft for copying their technology; and reveal who was responsible for putting the word Microsoft in front of all their product names… Further Reading: • ‘Microsoft Windows 1.0, where it all began (pictures)' (CNET, 2013): https://www.cnet.com/pictures/microsoft-windows-1-0-where-it-all-began-pictures/ • ‘From Windows 1 to Windows 10: 29 years of Windows evolution' (The Guardian, 2014): https://www.theguardian.com/technology/2014/oct/02/from-windows-1-to-windows-10-29-years-of-windows-evolution• ‘Microsoft Windows 3.1 promo' (Microsoft, 1986): https://www.youtube.com/watch?v=pyg-DYm7b0A Thanks so much for supporting the show! We massively appreciate it. The Retrospectors are Olly Mann, Rebecca Messina & Arion McNicoll, with Matt Hill. Edit producer: Ollie Peart Theme Music: Pass The Peas. Announcer: Bob Ravelli. Graphic Design: Terry Saunders. Copyright: Rethink Audio / Olly Mann 2025. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Dr. Jim Adams, Chief Medical Officer at Northwestern Medicine, joins Lisa Dent to discuss various health topics: A new heart disease calculator that gives a thirty-year risk factor, a flu variant from Japan, and hand foot and mouth disease on the rise
How has compute evolved to meet the changing demands of modern society? This week, Technology Now continues with its mini-series, exploring objects two, three and four: the HP35 calculator, the HP 65 calculator, and the ProLiant Gen 12 Server. We dive into this history of personal devices and computing, how compute has evolved over the years, and where the world of computing is going to go in the future. Kirk Bresniker, Chief Architect at HPE Labs, tells us more.This is Technology Now, a weekly show from Hewlett Packard Enterprise. Every week, hosts Michael Bird and Aubrey Lovell look at a story that's been making headlines, take a look at the technology behind it, and explain why it matters to organizations.About Kirk: https://www.linkedin.com/in/kirkbresniker
Send us a textThis episode features Dr. Sofia Isabel Perazzo (Children's National Hospital) and Dr. Rakesh Rao (St. Louis Children's Hospital) discussing a CHNC Explore analysis of intestinal stricture formation following surgical necrotizing enterocolitis (NEC). Using 15 years of CHND data, they examined over 2,400 surgical NEC cases, finding an overall stricture incidence of about 31%, with striking inter-center variability (24–38%). Lower gestational age, stoma creation, and combined drainage-laparotomy increased risk, while peritoneal drainage was protective. Hispanic ethnicity was associated with lower risk. Although their predictive model (AUC 0.67) was modest, the findings offer valuable benchmarks for parent counseling, quality improvement, and hypothesis generation.Support the showAs always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!
See omnystudio.com/listener for privacy information.
See omnystudio.com/listener for privacy information.
Tune in as the team discusses:How to calculate yield and use it to structure better dealsReal cash and terms deal breakdowns from Scott, Mike, and JohnThe importance of capital recovery and why 72% yield is the goalUsing the calculator live during negotiationsWhat LandArb is and how it creates infinite returns with little capital TIP OF THE WEEK“Use the calculator while negotiating. Adjust the down payment, monthly payment, or term and watch how your yield changes in real time. If it stays above 72%, it's a strong deal.” — Scott BossmanWANT MORE?Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing.UNLOCK MORE FREE RESOURCES:Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree."Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"