Podcasts about Calculator

Todd Miller and co-host Ryan Bell welcome Austin Rosenbaum of Demand IQ to discuss rapid changes in home improvement marketing and lead generation, focusing on pricing transparency and instant online estimates.Austin explains how Demand IQ evolved from a data-driven marketing agency into a software platform that helps contractors provide online budget estimates to qualify leads, reduce friction, and improve conversion. He describes contractor adoption challenges since 2019, noting increased interest in the past year, and outlines how COVID accelerated digital shopping behavior, especially among millennials and Gen Z.The episode highlights Google's new “online estimates” search filter and the risks of ignoring deep-funnel channels like Google and Meta. Austin shares results from a contractor case study, explains onboarding steps to rank for online estimates, and predicts AI agents will increasingly shop and gather quotes on homeowners' behalf.Timestamps00:00 Welcome and Intro00:47 Challenge Words Explained01:21 Marketing Is Changing Fast02:02 Meet Austin Rosenbaum02:32 Origin Story and Analytics04:23 Demand IQ and Instant Estimates07:22 Contractor Pushback on Pricing09:43 COVID and New Buyer Behavior12:18 Google Online Estimates Filter14:40 Risks of Old School Marketing16:21 What Homeowners Want First18:31 Case Studies and Use Cases20:58 Onboarding and Ranking Steps24:06 AI Agents and The Future26:29 Calculator vs Pricing Table30:32 Final Thoughts and Rapid Fire36:07 How to Connect With Austin37:40 Challenge Words and Wrap Up38:22 Closing Thanks and Sign OffConnect with Austin OnlineLinkedIn: https://www.linkedin.com/in/austinrosenbaum/Website: https://www.demand-iq.com/For more Construction Disruption, listen on Apple Podcasts or YouTubeConnect with us on Facebook, Instagram, or LinkedInThis episode was produced by Isaiah Industries, Inc.Construction Disruption was recently featured in this 15 Best Podcasts for Contractors list!This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Are we already living in the age of super-intelligence, or are we just scratching the surface? In this episode, we break down the three fundamental levels of AI: Artificial Narrow Intelligence (ANI), Artificial General Intelligence (AGI), and Artificial Super Intelligence (ASI).We explore why today's most advanced tools, like ChatGPT, Gemini, and Claude, are still firmly in the "Narrow" category, representing only 20% of human cognitive capacity. We also discuss the "Data Decline" crisis, where authentic human data is being outpaced by AI-generated content, and what that means for the future of AGI. Whether you're a tech enthusiast or an Infosec professional, this episode will help you categorize, evaluate, and ultimately decide which AI tools are worth your trust.

Fertility apps assume you have a perfect 28-day cycle and 14-day luteal phase—but what if you don't? In this episode, Bekah explains why ovulation calculators often miss the mark and how learning a true Fertility Awareness Method can change everything!   In this episode, I'm breaking down: Why most ovulation apps assume a “perfect” cycle The hidden problem with the 14-day luteal phase assumption Why fertility devices can be helpful—but shouldn't be relied on  How relying only on tech can actually delay pregnancy Why learning a true Fertility Awareness Method changes everything   Resources & Links: ✨ Hormone Quiz: Take the free Hormone Quiz to see what your body may be trying to tell you here: bekahyawn.com/quiz 

As complaints of insurance mis-selling by banks finally prompt regulatory action, Monika examines the Reserve Bank of India's draft Responsible Business Conduct guidelines and what they could mean for customers. The proposed rules aim to require suitability assessments, explicit consent, and restrictions on coercive sales practices, signalling a shift toward holding banks accountable for putting customer interests ahead of sales targets. Drawing on years of research and documented evidence, she explains how mis-selling has persisted through opaque disclosures, aggressive commissions, and weak enforcement, eroding public trust in the banking system.Monika argues that while the intent of the new rules is welcome, their effectiveness will depend on clear definitions of suitability, independent monitoring, and reforms to the commission structures that incentivise harmful sales. Without these structural fixes, regulation risks becoming symbolic rather than transformative. She also reflects on how banks could instead build long-term, trust-based relationships with customers by offering transparent financial planning and aligning their incentives with household financial security rather than short-term product sales.In listener queries, Vijay Panchal from Ahmedabad asks whether to combine Sukanya Samriddhi Yojana with equity investing for his daughter's future and whether to prioritise NPS or PPF for retirement under the new tax regime; Nitin Gupta from Dehradun seeks clarity on the tax and ownership implications of mutual fund investments held in his minor son's name as he approaches adulthood; and Hemanth Thyagraj from Bangalore asks how to balance home loan prepayments with ongoing mutual fund investing while pursuing long-term financial independence.Chapters:(00:00 – 00:00) RBI's New Mis-Selling Rules and What They Mean for Bank Customers(00:00 – 00:00) Suitability Framework, Commissions and Fixing Incentives in Financial Product Sales(00:00 – 00:00) SSY vs Index Funds and Choosing Between NPS and PPF(00:00 – 00:00) Managing Mutual Funds Held in a Child's Name After They Turn 18(00:00 – 00:00) Balancing Home Loan Prepayment with Long-Term Investinghttps://rbidocs.rbi.org.in/rdocs/Content/PDFs/01CBDRAFT11022026ADD95448CA7E4662A409F78D829072C7.PDFhttps://www.sciencedirect.com/science/article/abs/pii/S014759671730046Xhttps://m.rbi.org.in//scripts/Bs_viewcontent.aspx?Id=3370https://youtu.be/q9kmG-443vo?si=IuTsFG9pbFmysTMDhttps://drive.google.com/file/d/1E8939c5w16_NIvshQbcUXW1iZtMLJVcS/view?usp=drivesdkIf 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 episode, Conor and Ben chat about recreational math, calculators, the quadratic formula and more!Link to Episode 274 on WebsiteDiscuss this episode, leave a comment, or ask a question (on GitHub)SocialsADSP: The Podcast: TwitterConor Hoekstra: LinkTree / BioBen Deane: Twitter | BlueSkyShow NotesDate Recorded: 2026-02-04Date Released: 2026-02-20PEDMASChesterton's FenceTI-30XS MultiviewCasio FX 115DRecreational MathCyclical NumberRamanujan Taxicab NumbersStructure and Interpretation of Computer Programs: SICP - Conor Hoekstra - CppCon 2020Intro Song InfoMiss You by Sarah Jansen https://soundcloud.com/sarahjansenmusicCreative Commons — Attribution 3.0 Unported — CC BY 3.0Free Download / Stream: http://bit.ly/l-miss-youMusic promoted by Audio Library https://youtu.be/iYYxnasvfx8

As India updates the way it measures inflation, Monika explains why the revision of the Consumer Price Index base year from 2012 to 2024 matters and what it really means for households. Drawing on new data from the Household Consumption Expenditure Survey, she breaks down how the CPI basket evolves over time to reflect changing consumption patterns — from the decline of outdated products to the rise of digital services, transport, and other modern expenses. The episode clarifies how shifts in weightages, especially the reduced share of food and the higher share of services, will influence headline inflation and policymaking.Monika also explains why the CPI is an average that may not match individual experience, and how the new index should give policymakers a more accurate picture of real household spending pressures. She highlights that lower food weight may make inflation appear less volatile, while costs that matter most to many middle-class families — healthcare, education, housing, and services — continue to rise faster than the headline number. The key takeaway: inflation data is improving, but personal financial planning should always be based on one's own spending patterns, not just official statistics.In listener questions, Anonymous asks how global developments such as U.S. debt concerns, de-dollarisation, and shifting geopolitical power could affect Indian markets and whether investors should change their asset allocation or SIP strategy; Djay from Mumbai seeks guidance on retirement planning for couples and how to estimate and invest toward a child's education corpus; and Ramya Srinivasan writes about deploying proceeds from a property sale, weighing PMS investments against mutual funds, and the best way to move a lump sum into equity over time.Chapters:(00:00 – 00:00) What the New Consumer Price Index Means for You(00:00 – 00:00) How Changes in the CPI Basket and Weightages Affect Inflation and Policy(00:00 – 00:00) Global Risks, Market Crashes and Staying Invested Through Uncertainty(00:00 – 00:00) Planning Retirement as a Couple and Building a Child Education Corpus(00:00 – 00:00) PMS vs Mutual Funds and How to Deploy a Large Lump Sumhttps://www.hindustantimes.com/opinion/why-india-needs-a-new-gold-standard-101770307424675.htmlhttps://www.mospi.gov.in/uploads/latestreleasesfiles/1770893247472-Press%20Relase%20of%20CPI%20for%20Jan26.pdfIf 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 episode of the Investor Fuel podcast, host Olivia interviews Daniel Turro, a seasoned real estate investor and developer of a unique SaaS platform designed for real estate analysis. Daniel shares his journey in the industry, the challenges he faced in building his platform, and the importance of networking and maintaining relationships. He discusses the innovative features of his platform that set it apart from others in the market and emphasizes the significance of staying positive and adaptable in a fluctuating market. The conversation concludes with Daniel's insights on future goals and the value of community in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

You can rent an entire 3-bedroom villa with a private pool for 150anight∗.Or,youcanpay∗250 a night for a standard motel room inside Disney World.On paper, staying off-site seems like a no-brainer. You save thousands. But does that savings come with a "Friction Tax" that ruins the vacation?In this episode of Adventures & Abodes, we run the math on the single biggest financial decision of your trip. We calculate the real cost of staying On-Site versus Off-Site—factoring in hidden resort fees, parking costs, and the most valuable currency of all: your time.•

As global trade tensions reshape the economic landscape, Monika unpacks what India's recent wave of trade agreements really means. Triggered in part by sharp tariff actions and the growing use of trade as a geopolitical weapon, India has moved quickly to diversify its export markets and reduce dependence on any single partner. This episode explains, in simple terms, how tariffs, free trade agreements, and shifting supply chains affect growth, jobs, and markets — and why these deals matter far beyond headline diplomacy.Monika walks through the major agreements signed with the UK, EU, EFTA nations, Oman, New Zealand, and the United States, and explains how they could boost exports, attract investment, and create jobs in sectors such as textiles, manufacturing, technology, and services. She also discusses the broader macro impact — from strengthening India's negotiating position globally to supporting long-term GDP growth and market sentiment — while reminding investors that short-term market reactions often miss the bigger structural story.In listener questions, Avinash Mundhra asks about moving beyond basic index investing into strategy-based indices and whether ULIPs linked to such indices make sense; Venkatesh Kumaran from Spain seeks guidance on balancing loan repayment with saving for future goals and on investing in Indian mutual funds as an NRI planning to return; and Gaurav Madan writes about whether model-driven advisory approaches to mutual fund selection are superior to simple, transparent investing methods.Chapters:(00:00 – 00:00) Why India Is Signing Trade Deals After the Tariff Shock(00:00 – 00:00) How New FTAs Could Boost Exports, Jobs and GDP(00:00 – 00:00) Mid- and Small-Cap Index Funds, Multicap Funds and the ULIP Debate(00:00 – 00:00) Paying Off Loans vs Investing and NRI Mutual Fund Considerations(00:00 – 00:00) Choosing Equity Mutual Funds and the Risks of Model-Based AdvisoryIf 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

Keith Walsh, Family law solicitor at Keith Walsh Solicitors, joined Sean off the back of the announcement from the Justice Minister that the government is to introduce a ‘child maintenance calculator' to help couples make DIY agreements. But what does this mean and will it help the often complicated task of try sorting out child maintenance.

Keith Walsh, Family law solicitor at Keith Walsh Solicitors, joined Sean off the back of the announcement from the Justice Minister that the government is to introduce a ‘child maintenance calculator' to help couples make DIY agreements. But what does this mean and will it help the often complicated task of try sorting out child maintenance.

AI is growing in use within information security, but are we ready to trust it to do all the things we hope it can, and do so automatically without doing harm? Context is king, and training to that level is only possible when you give all your experience to the AI. What are the tradeoffs to doing so? What happens when we depend on AI and forget (or worse, never learn) the underpinnings of what makes the AI system work (remember the calculator debates of the 1980s?). And does the end justify the means when it comes to AI use? And what is that “ends” anyway? Efficiency, automation, knowledge? Erik, Dan, and Brian discuss it all in this week's Great Security Debate!Show NotesReport on reasons Israel didn't catch oct 7 attacks - https://www.npr.org/2025/03/05/nx-s1-5318591/israel-shin-bet-security-failure-october-7-attackShin Bet Report - Source Doc (Hebrew) - https://www.documentcloud.org/documents/25551448-yqry-tkhqyr-shyrvt-hbytkhvn-hklly-710/#document/p1Waymo hits student on bicycle - https://www.theverge.com/2024/2/7/24065063/waymo-driverless-car-strikes-bicyclist-san-francisco-injuriesWaymo violates school bus rules - https://www.cbsnews.com/news/waymo-recall-3000-vehicles-software-school-bus/Podcast Recommendation - Agentic Dan - https://distillingsecurity.com/episode-64-agentic-dan/TV Recommendation - Pluribus - https://tv.apple.com/us/show/pluribus/umc.cmc.37axgovs2yozlyh3c2cmwzlzaTrust Issues in AI - “I bought this Tesla before Elon went crazy” magnet - https://geni.us/DXQYkOpenAI adds ads - https://apnews.com/article/chatgpt-ads-openai-advertising-83812a066375a805fa2e29b28fc77da1Satya Nadella AI Internal Memo - https://africa.businessinsider.com/news/nadellas-message-to-microsoft-execs-get-on-board-with-the-ai-grind-or-get-out/sq0fe52FDA AI Rules - https://www.fda.gov/regulatory-information/search-fda-guidance-documents/considerations-use-artificial-intelligence-support-regulatory-decision-making-drug-and-biologicalUtah AI Prescriptions - https://www.politico.com/news/2026/01/06/artificial-intelligence-prescribing-medications-utah-00709122Movie Recommendation: Terminator - https://geni.us/59025Book Recommendation: The Cuckoos Egg - https://geni.us/hYE9Book Recommendation: AI 2041 - https://geni.us/5dtV54hAnthropic Super Bowl Ad - Scott Galloway on why Anthropic's Super Bowl ad got to Sam ... - FortuneChina facial recognition payments - https://www.chowhound.com/2073279/grocery-store-facial-recognition-china-smile-to-pay/Movie Recommendation: Sneakers - https://geni.us/P7SBThe Dawn of the Post Literate Society - https://jmarriott.substack.com/p/the-dawn-of-the-post-literate-society-aa1Leading Causes of Death in the US, 2023 - https://www.cdc.gov/nchs/fastats/leading-causes-of-death.htmAutomated car sex in backseat - https://dailydot.com/driverless-car-sex-autonomousPodcast Recommendation: The Final Act - https://distillingsecurity.com/new-podcast-coming-soon-the-final-act/Calculators and Children - https://www.linkedin.com/pulse/crunching-numbers-debate-over-calculator-use-math-education-church-sg6te/Podcast Recommendation: Mentorcore - https://distillingsecurity.com/tag/mentorcore/Some of the links in the show notes contain affiliate links that may earn a commission should you choose to make a purchase using these links. Using these links supports The Great Security Debate and Distilling Security, so we appreciate it when you use them. We do not make our recommendations based on the availability or benefits of these affiliate links.

Episode Description On this episode of the MTM Travel miles & points show we dive into some of the more important news and stories from this past week. From United's TravelBank glitch to using Delta for your Amex credit we have you covered. We also discuss a cool Bilt calculator that simplifies their new cards, which hotel has the best promos and Hyatt's new Spring promo. 0:00 Welcome to MTM Travel 3:23 United TravelBank glitch 6:24 How Mark is using Delta for his Amex credits 11:04 Hyatt adding 22 more all-inclusive properties 15:03 Hyatt Bonus Journeys - Up to 1K per night bonus 19:36 Max's incredible Bilt calculator Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

As Budget 2026 unfolds, Monika frames it as a continuation budget - a work-in-progress focused less on headline reforms and more on keeping the economic machinery running smoothly. With pressure on the fiscal deficit after last year's tax relief and GST cuts, the big concern was whether the numbers would hold. Despite weak nominal growth and a low GDP deflator, higher corporate taxes, indirect taxes, and dividends have helped contain the fiscal deficit at 4.4%, with only a marginal dip projected next year. For markets, this signals fiscal discipline at a time of global uncertainty.Monika breaks down the key priorities shaping this budget - a sharp rise in defence spending, sustained capital expenditure, and a clear push to align India with strategic technologies such as semiconductors, rare earths, cloud infrastructure, and domestic IP creation. Running through the speech is a stated intent to simplify rules, ease compliance, and reduce friction between the state, businesses, and citizens, even as execution risks remain. On the personal finance front, there are no fresh income-tax changes, relief comes via lower TCS on overseas spending, and clarity emerges on sovereign gold bond taxation, while higher STT on derivatives sends a strong signal against excessive speculation.In listener questions, the focus turns to what this budget really means for everyday investors - how changes to SGB taxation affect gold allocations, why the STT hike matters mainly for F&O traders and not long-term investors, and why market reactions immediately after the budget may not reflect India's underlying growth story. The takeaway remains consistent: budgets will come and go, markets will react and recover, but maintaining the right asset allocation matters far more than chasing short-term noise.Chapters:(00:00 – 00:00) Budget 2026 as a Work-in-Progress Framework(00:00 – 00:00) Fiscal Deficit, Defence Spending and Growth Priorities(00:00 – 00:00) Sovereign Gold Bonds and Capital Gains Tax Changes(00:00 – 00:00) TCS Relief and Easier Property Transactions(00:00 – 00:00) STT Hike, Market Reaction and What Investors Should DoIf 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

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/

- John Jones, Soil Scientist - University of Illinois  - Gary Schnitkey, Agricultural Economist - University of Illinois  - Laura Gentry, Water Quality Specialist - Illinois Corn Growers Association ★ Support this podcast ★

As the podcast reaches Episode 100, Monika reflects on how what began as a small experiment has grown into a steady, non-hysterical space for building real financial stability. Over two years, 100 episodes, and hundreds of listener questions, clear patterns have emerged - money decisions are rarely just about numbers. This milestone episode distils the journey into ten core lessons, drawn from real stories and recurring struggles, that show how deeply money is intertwined with relationships, childhood conditioning, fear, social pressure, and the habit of delaying action in search of perfection.Monika walks through these lessons with honesty and clarity - from why “perfect” is the enemy of “good”, to why getting started matters more than getting it right, and why simple systems often outperform complex strategies. She explains how small, consistent actions compound over time, why automation is the secret sauce of long-term money management, and why there is no single lottery-ticket investment waiting in the future. The episode reinforces a central theme that has run through all 100 conversations: money is not the goal, but an enabler, best managed quietly through systems, discipline, and self-awareness.In listener messages, Chrisann Jason Pereira writes about how small, steady mutual fund investments over a decade transformed her financial life and helped her family build security; Mukesh Shukla reflects on how these ideas should be foundational education for young adults; Finance ka ABCD highlights the quiet, life-changing impact of financial literacy done right; and Sagar Patil shares how Let's Talk Money helped him gain confidence, structure his savings, and plan for the long term.Chapters:(00:00 – 00:00) Money Is Always About Relationships(00:00 – 00:00) Your Money Story Begins in Childhood(00:00 – 00:00) The Core Fears Around Money Are Universal(00:00 – 00:00) Perfect Is the Enemy of Getting Started(00:00 – 00:00) Starting Late Is Better Than Not Starting(00:00 – 00:00) Simple Investing Beats Clever Complexity(00:00 – 00:00) There Is No Big Lottery Waiting(00:00 – 00:00) Small Atomic Moves Create Big Outcomes(00:00 – 00:00) Automation Is the Secret to a Calm Money Life(00:00 – 00:00) Social Pressure Is the Most Dangerous Risk(00:00 – 00:00) Listener MessagesIf 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

A study shows that Zillow's Rent vs Buy Calculator fails to capture the full cost of homeownership in 2026. The analysis identifies a monthly shortfall of $700-$800, largely due to overlooked expenses including property taxes, rising insurance premiums, PMI, HOA fees, and ongoing maintenance obligations. BuyVsRentPro.com City: Temixco Address: Calle de los reyes 16. Campo Sotelo Website: https://buyvsrentpro.com/

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.

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  

As Episode 99 approaches a milestone, Monika reflects on how small, steady savings can quietly turn powerful when inflation works in the saver's favour. Beginning with an interaction at an SBI event for NRI clients - and a reminder of how deeply connected the podcast community has become - she introduces the idea of real return: what investors actually earn after inflation. This episode explains why nominal returns can be misleading, especially in fixed-income products, and why inflation is the most underestimated cost in personal finance.Monika breaks down why the current environment is unusually favourable for conservative savers. With retail inflation falling well below the RBI's target, several government-backed small savings schemes are now delivering positive and meaningful real returns. She walks through how products like PPF, SCSS, SSY, NSC, MIS, and KVP - all guaranteed and easily accessible - can form the core of a low-risk debt portfolio, particularly for retirees and risk-averse families. This is a rare phase, she notes, where safety and real wealth creation coexist, making it a sensible time to lock in long-term rates.In listener queries, Deepak Mittal, nearing retirement, asks where to reinvest maturing bond proceeds and whether a multi-asset fund makes sense at his age; Rohit Pal seeks clarity on behavioural economics concepts and risk-measurement metrics, along with reading recommendations; and Shubhojit Roy, a 32-year-old investor, asks how to rethink PPF contributions under the new tax regime, rebalance towards mutual funds, and realistically work towards a ₹4-5 crore goal over the next 15 years.Chapters:(00:00 – 00:00) When Nominal Returns Become Real Returns(00:00 – 00:00) Small Savings Schemes Offering Guaranteed Real Growth(00:00 – 00:00) Reinvesting Bond Maturities as You Approach Retirement(00:00 – 00:00) Understanding Behavioural Biases and Investment Risk Measures(00:00 – 00:00) Balancing PPF and Equity to Reach Long-Term Wealth GoalsIf 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

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.

This week on the Moment of Silence podcast we're discussing what's in and out of 2026 — shimmies are in (two, not three, please), optimism is high, and ditching the calculator was… a terrible decision. Especially when Galeries Lafayette rent math enters the chat.2026 is shaping up to be a certified popcorn year and we're choosing hope. Further we're unpacking the new normal we're all pretending is fine. We dive into predictions with Baba Vanga (credible or cap?), debate who AI is really for — the rich or poor — and talk hate comments when one co-host says something and the other gets dragged.Are marriages, babies, and memories back in fashion for 2026? Maybe. Is math homework still traumatic? Definitely. Even with parental help.There's a rapid-fire - What's In / What's Out powered by Moxie, a real talk on skinny culture making a comeback, the pressure on new moms to “bounce back,” and whether Ozempic is here to stay or on its way out.Plus: finding love in your 50s (yes, even in senior living), our personal predictions for people close to us, and an EPIC story where Naina is the main character.Stick around till the end — share your weirdest hair story and win a Moxie hamper. Chaptering:(00:00) – Welcome to the chaos(03:27) – Calculator...never ditching it again(04:26) – 2026 = certified popcorn year (05:17) – Botox: hero of your 30s(07:40) – Enter the prediction multiverse: Baba Vanga & Paul the Octopus(10:14) – So… what is 2026 bringing?(11:05) – AI: rich people's toy or everyone's problem?(14:14) – Hate comments (15:46) – When your doctor is also an influencer(17:16) – Marriage & babies in 2026? (21:03) – Sakshi vs math homework(22:07) – Rapid fire, powered by Moxie(24:10) – Skinny culture & new-mom body pressure(28:30) – Situationships, explained (kind of)(29:50) – Love, marriage & finding the one in your 50s(34:06)– IRL dating vs apps & Ozempic(37:40) – What's actually staying in 2026(41:55) – Our personal 2026 predictions (manifesting)(46:57) – Stop arguing in 2026. Seriously.(48:36)– This story is EPIC. Naina = main character energy(52:25) – Win a Moxie hamperAlso don't forget to visit our website- https://mos-pod.com/Brutally Honest Creators - https://www.youtube.com/playlist?list=PLHkcqImp8gcbZHzn1secwSYYKG8dds437Comedians Unfiltered- https://www.youtube.com/playlist?list=PLHkcqImp8gcabWOmtiYQUUXGU4ptrq9HBFollow MoS on Instagram:https://www.instagram.com/momentofsil...Credits:Naina Bhan - Co-host and certified overthinkerhttps://www.instagram.com/nainabee?ig...Sakshi Shivdasani - Co-host, balancing out Naina's overthinking with a healthy dose of not thinkinghttps://www.instagram.com/sakshishivd...Senior Producer- Amruta P. www.linkedin.com/in/amruta-bandivdekar-01879925Produced by Handmade - Our personal cheering squad https://www.instagram.com/thehandmade...Creative direction by Tinkre, Keeper of MoS' signature “Pookie” energy Natascha Mehrahttps://www.instagram.com/tinkre.in/?hl=enhttps://www.instagram.com/natascha.zip/?hl=en Researched by our very own curiosity engineer - Aashna Sharma https://www.linkedin.com/in/aashna-sharma-913146179Disclaimer: The views and opinions expressed on this podcast are for entertaining purposes only and do not necessarily reflect those of the hosts, the production team, or affiliated brand. We don't claim to be experts- just two people with Wi-fi and feelings. While we encourage open dialogue, we do not guarantee the accuracy, completeness, or reliability of any information shared. Listener discretion is advised — especially if you're allergic to strong opinions.

As the new year unfolds, Monika turns her attention to a deeper structural problem in India's retail finance ecosystem — a market where households are still expected to fend for themselves against complex, opaque, and often mis-sold products. Drawing from her interaction at a pre-Budget discussion with the Prime Minister and insights from the RBI's Financial Stability Report 2025, she lays out why rising commissions, mis-selling in insurance, and weak accountability have made “buyer beware” dangerously outdated. This episode argues that retail finance, unlike everyday goods, fails consumers because products are invisible, payoffs are delayed, disclosures are unreadable, regulation is fragmented, and financial innovation consistently outpaces literacy.Monika makes the case for a radical but necessary shift to a “seller-beware” framework — one that prioritises suitability, long-term outcomes, and harm prevention over commissions and sales targets. She explains how fixing incentives and enforcing suitability checks can transform finance from a product-pushing industry into a genuine problem-solving service. Using mutual funds as a case study, she shows how better-aligned incentives and simpler products unlocked massive household participation, and warns that as millions of new investors enter the system, India cannot afford to flood them with toxic financial products. Finance, she stresses, must solve for lives — not bonuses.In listener queries, Brig Vikas Gupta, a retired Army officer, asks how to exit underperforming mutual fund schemes without taking a heavy tax hit; Dinesh Kumar from Unjuani, Tamil Nadu, seeks validation of his conservative portfolio while grappling with FOMO, lifestyle balance, and risky temptations like crypto; and an anonymous listener from Bengaluru shares his journey to financial stability and asks whether it makes sense to transition into a fee-only financial planning career later in life.Chapters:(00:00 – 00:00) From Buyer Beware to Seller Beware in Retail Finance(00:00 – 00:00) Why India Needs a Suitability-Based Financial System(00:00 – 00:00) Switching Underperforming Mutual Funds Without Letting Tax Hold You Back(00:00 – 00:00) Balancing Saving, Spending, and Risk for a Young Family(00:00 – 00:00) Building a Second Career as a Fee-Only Financial PlannerIf 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

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 ★

As 2026 begins, Monika reflects on how our relationship with money changes over a lifetime, moving beyond year-end numbers, market levels, or growth forecasts. This episode takes a philosophical turn, using the idea of life's ashrams to frame our money journey — from learning and earning to harvesting and eventual detachment. Monika explores the paradox of money: when we are young, desires are endless and resources limited; later, resources grow but the hunger for more steadily fades.Monika urges listeners, especially those approaching or living in the “vanaprastha” phase, to simplify and consolidate. She talks about defining what is “enough,” reducing complexity by selling scattered assets, shifting away from stressful real estate management, putting estate plans and wills in place, and freeing time and energy from financial clutter. Giving — of money, time, or skills - becomes central in this stage, as does staying mentally and physically active while consumption naturally slows. For younger listeners still deep in careers and responsibilities, she reminds them that money is a byproduct of disciplined effort, not the goal itself, and that patience, skill-building, and sensible investing remain non-negotiable.In listener queries, Longekumar, a widowed government school teacher, writes about rebuilding financial security after loss and asks where to safely invest a lump sum; Anand Kumar Bansal from Bengaluru seeks advice on whether to take more risk despite being financially independent; and Vikas Sachdeva asks whether recent changes in NPS alter its role compared to EPF in retirement planning.Chapters:(00:00 – 00:00) Your Money in 2026: A Changing Relationship With Wealth(00:00 – 00:00) Vanaprastha Today: Consolidating Assets, Simplifying Life, and Giving Back(00:00 – 00:00) Rebuilding Financial Security After Loss and Starting From Scratch(00:00 – 00:00) Should You Take More Risk When You Are Already Financially Secure?(00:00 – 00:00) NPS vs EPF: How to Think About Retirement Products After Recent ChangesIf 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

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

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.

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

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.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.

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.

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?"