Podcasts about Calculator

Did Ramit Sethi just destroy the biggest renting vs owning myth on the Diary of a CEO podcast? Caleb compares the costs of renting & owning a home to show which one is actually cheaper in the long run! 00:00 Introduction00:45 Renting Vs Owning04:50 Caleb Thoughts on Owning vs Renting05:25 Monthly Cost to Live?05:45 How Much Money Do You Need?06:16 What is the Alternative Investment Return?08:15 Pros and Cons of Owning and Renting a Property17:07 Calculator.net (Rent vs Buy)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______________________________________________ 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.

Ross joins Will Critchlow of SearchPilot for a wide-ranging conversation on the evolving landscape of e-commerce SEO and content strategy in the AI era. They cover how e-commerce brands are adapting content for multimodal search, why digital PR is surging, what still works in a zero-click world, and how Siege's homepage study reveals surprising traffic shifts from AI engines like ChatGPT and Google's AI Overviews. Ross also shares lessons from working with Instacart, thoughts on EEAT, brand building in 2025, and how SEOs can think more like product teams to win long-term. Plus: goal-setting, basketball, and how to build your perfect calendar. Show Notes 0:08 – Introductions 1:00 – Ross on what e-commerce clients are asking for in 2025 2:12 – High-fidelity content and why it still drives SEO value 3:24 – The digital PR spike—and why it might not be right for every brand 4:17 – Rethinking link building: content that earns links without outreach 5:11 – The shift from link bait to real brand-building campaigns 6:34 – Why measuring content value is still messy 7:28 – Investing in analytics and attribution models that actually work 8:52 – Instacart case study: how it's still winning in 2025 9:59 – Calculators as a defensible content type against AI overviews 11:15 – Homepage traffic is up 10%—what Siege's study found 12:56 – Differences in B2B vs B2C AI traffic attribution 14:15 – How AI referrals may go dark: no referrer, just branded visits 15:40 – SearchPilot's view: aggregating dark and disaggregated traffic sources 17:20 – How LM-driven browsing creates long tail referral lift 18:57 – AI is doing the searching: optimizing for “robot” queries 21:00 – Why retrieval-augmented generation (RAG) matters for e-commerce 22:44 – Digital PR's role in influencing AI citation engines 23:51 – Siege's brand mention study: impressions up, but who's watching? 25:20 – Review volume = the next big SEO edge in e-commerce 26:04 – Instacart's product reviews may be helping SEO more than you think 27:15 – Human authorship: should you expose expert bylines? 28:52 – Where author signals matter most 30:04 – Real-world reviews are the new long tail content strategy 31:09 – Who's doing it well? 32:14 – Brand authority, SEO signals, and Siege's convo with Dr. Pete 33:48 – Building a brand health dashboard (and what to track in 2025) 36:18 – Who owns content? SEO increasingly embedded in product teams 37:40 – Product SEO as a mindset, not just a technical checklist 39:24 – Optimizer mentality, health goals, and personal systems 40:11 – Ross's “perfect calendar” and how it supports business goals 42:06 – Will on process goals vs outcome goals in business and life 43:44 – Can you be too optimized? Balancing mental health and iteration 45:07 – Long-term vision in a 3-week world 46:00 – Where to find Ross online and what Siege is working on next Show Links ‬ Will Critchlow on LinkedIn: https://www.linkedin.com/in/willcritchlow Homepage Study:‬‭ https://www.siegemedia.com/strategy/ai-homepage-traffic-increase SearchPilot:‬‭ https://www.searchpilot.com/Subscribe today for weekly tips: https://bit.ly/3dBM61f Listen on iTunes: https://podcasts.apple.com/us/podcast/content-and-conversation-seo-tips-from-siege-media/id1289467174 Listen on Spotify: https://open.spotify.com/show/1kiaFGXO5UcT2qXVRuXjsM Listen on Google: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5zaW1wbGVjYXN0LmNvbS9jT3NjUkdLeA Follow Siege on Twitter: http://twitter.com/siegemedia Follow Ross on Twitter: http://twitter.com/rosshudgens Directed by Cara Brown: https://twitter.com/cararbrown Email Ross: ross@siegemedia.com #seo | #contentmarketing

Welcome back to this week's Friday Review where we'll be covering the very best of the week including reviewing these topics:     Blended Meats (product review) GLP-1 Masterclass (product review) Calculator for Cardiovascular Health (research) Waist-to-Hip Ratio & Heart Disease (research)     For all the details tune into today's Cabral Concept 3437 – Enjoy the show and let me know what you thought!   - - - For Everything Mentioned In Today's Show: StephenCabral.com/3437 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!  

This week, Monika talks about the coming fall in bank fixed deposit (FD) rates as the Reserve Bank of India signals a low-interest rate environment ahead. With major banks like SBI already reducing savings account interest to 2.5%, Monika explains why risk-averse investors should act now to lock in current FD rates. She discusses strategies like laddering across time periods and breaking large deposits into smaller ones for flexibility. She also touches on senior citizen benefits, special FD schemes, and why she prefers sticking with larger banks over smaller or fintech-based FD platforms for safety.She then explains deposit insurance in India. Monika breaks down how DICGC covers your deposits up to ₹5 lakh per bank, including both principal and interest, and clarifies how coverage works if you hold accounts in multiple banks or under different account types. This helps listeners understand how to spread deposits smartly for maximum safety.In audience questions, Arvind asks whether he should surrender or make paid-up two LIC New Jeevan Anand policies bought early in his career, and seeks advice on getting health insurance for his senior citizen parents. Vishak wants to know how to deploy a large lump sum sitting idle in his bank account and whether to surrender an ongoing LIC policy. Finally, an anonymous listener shares how he's coping financially after a recent job loss and asks whether he should pause mutual fund investments or continue them using his savings.Chapters:(00:33 – 05:44) Bank FD rates will fall: Why you should lock in now (05:45 – 07:12) How deposit insurance protects your money(07:13 – 11:20) LIC surrender vs paid-up and getting health cover for parents(11:21 – 13:31) Deploying a lump sum and what to do with a dud LIC policy(13:32 – 16:21) Managing finances after a job loss: Building a cushion and staying on trackIf 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's episode of Federal Prison Authority Presents: Around the Block, Bruce and Susan immediately jump into action, discussing new laws and rulings passed in the past couple of weeks. However, they provide clarification on what the laws mean and how they are implemented for inmates and their families. One new change Susan discusses is the FSA Conditional Calculator, which deals with time credits and helps organize release dates, providing more concrete assessments of time. Bruce and Susan spend most of the episode discussing new implications and the pros and cons of the latest changes brought on by the Federal prison system. To conclude the show, Bruce and Susan talk about their books and a new article that impacts the Federal System and will help inform inmates more. Please feel free to send questions to Bruce and Susan. Dr. Susan Giddings can be found on their shared website https://federalprisonauthority.com/who-we-are/ Bruce can be reached through his cell (214) 431-2032, and their First Step Act Book: https://a.co/d/2dWCECE

Master The NEC | Episode 26  is about the importance of Pull Calculations in medium to large scale projects where the owners, such as the Amazon's of the world, and the electrical contractor and electrical design professional want a third part to do pull calculations to ensure the utmost accuracy of the pull by reducing the risk of conductor damage during the pull but also long term.Remember, the product is only successful if the conductors or cable are not damaged. A code compliant installation of raceways do not always mean the conductors will go into the raceway system without damage to the installation. We provide specific Check Lists to every pull based on our analysis of each individual pull. The newest trend is to asign this assurance to the experts and our PullSPEC™ services provides that extra level of assurance. All pull calculations and analysis reports are confirmed by wire and cable experts with over 11 years of dedicated service to that industry as well as nearly 40 years of NEC expertise.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 visits 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.

If you're tired of spending hours on content only to get crickets, this is your wake-up call. Something's off…and it may not be the algorithm this time.When building a community on Instagram — whether you're a brand or creator — ENGAGEMENT matters and needs to be your focus. In this episode I pull back the curtain on the current engagement tactics our most successful creators and brand clients are using to spark conversations, shares, saves, and (yes) land those paid brand deals.This is exactly what you need to build community, loyalty, and actual conversations!

HP-97/67 Programmable Calculator, Part 3 With Wlodek Mier-Jedrzejowicz Patreon: https://www.patreon.com/FloppyDays Sponsors: 8-Bit Classics  Arcade Shopper   FutureVision Research  Videos of this and other episodes at the YouTube channel: https://www.youtube.com/channel/UC6DQ3cyp8h373H0lXSJ8yqQ  Hello, and welcome to episode 152 of the Floppy Days Podcast for June, 2025.  My name is Randy Kindig and I'm the host for this lovefest for vintage computers and programmable calculators from the late 70's thru the 80's.  If you love old computers, you've found the right place! This month, I'm completing the ongoing series of episodes about the HP 97/67 programmable calculators.  This is the third and final in the series that provides us with a terrific co-host who is able to provide a lot of color about these machines: that being HP calculator historian Wlodek Mier-Jedrzejowicz (“Vwahdek Meer-Yeng SHAY of itch”).  No one knows more about HP calculators than Wlodek and all of us are honored to get his insight into these HP calculator gems. New Acquisitions HP History Book by Wlodek - “A Guide to HP Handheld Calculators and Computers” - https://amzn.to/4hl1Yq1 (affiliate link)  PalmPilot Personal - https://en.wikipedia.org/wiki/PalmPilot  Upcoming Shows KansasFest - July 18-20 - Virtual only - https://www.kansasfest.org/  INIT HELLO Apple II Conference - July 26-27 - System Source Computer Museum in Hunt Valley, MD - https://init-hello.org/  VCF West - August 1-2 - Computer History Museum in Mountain View, CA - https://vcfed.org/2025/03/05/vcf-west-2025-save-the-date/  Fujiama - August 11-17 - Lengenfeld, Germany - http://atarixle.ddns.net/fuji/2025/  VCF Midwest - September 13-14, 2025 - Renaissance Schaumburg Convention Center in Schaumburg, IL - http://vcfmw.org/  Tandy Assembly - September 26-28 - Courtyard by Marriott Springfield - Springfield, OH - http://www.tandyassembly.com/  Portland Retro Gaming Expo - October 17-19 - Oregon Convention Center, Portland, OR - https://retrogamingexpo.com/  Chicago TI International World Faire - October 25 - Evanston Public Library, Evanston, IL - https://www.chicagotiug.org/home  Schedule Published on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub  Feedback (videos) “A 67 or 97 is a good deal” - https://www.youtube.com/watch?v=0z8UiZz2Bm0  “Coca cola” - https://www.youtube.com/watch?v=3FN5eCvkoPM  Season's greetings - https://www.youtube.com/watch?v=libGuLCyikY  Some examples of words you could show - https://www.youtube.com/watch?v=_jXGb-CR1Tg  HP Poem expressing sadness the early HP's had been discontinued - https://www.youtube.com/watch?v=JMuMz623ub4  Books manuals - Can purchase document set on USB stick - https://www.hpmuseum.org/cd/cddesc.htm  Better Programming on the HP-67 & 97 by Richard Nelson, Kolb, Kennedy - http://www.hp41.org/LibView.cfm?Command=Image&ItemID=94&FileID=2325  Wlodek's book - A Guide to HP Handheld Calculators and Computers - https://amzn.to/4hl1Yq1 (affiliate link)  RCL40: Recollection, Reinvention and HP Calculators - RCL40: Recollection, Reinvention and HP Calculators  Software Software available from collection at Museum of HP Calculators  - https://www.hpmuseum.org/cd/cddesc.htm  Emulators HP Calculator Simulators - https://www.cuveesoft.ch/  RPN-67/97 Pro - Apple App Store - (iOS) itms://itunes.apple.com/app/rpn-97-pro/id816249055  HP-97 Emulator by Michael O'Shea (Windows): HP-97 - https://www.limpidfox.com/hp97.htm  HP-67 - https://www.limpidfox.com/hp67.htm  HP-97 Emulator by Michael O'Shea (Android, iOS) - https://www.limpidfox.com  Buying One Today Getting one repaired: waterhosko (Mark Hoskins) - https://www.ebay.com/sch/i.html?item=324196333178&rt=nc&_trksid=p4429486.m3561.l161211&_ssn=waterhosko  Mainely Calculators (Adam Jones) - https://www.ebay.com/str/mainelycalculator?_trksid=p4429486.m145687.l149267  Modern Upgrades Replacement CPU Boards for HP-67 and HP-97 - https://www.Teenix.org  Community Facebook HP Calculator Fan Club - https://www.facebook.com/groups/hpcalculatorclub  Real Engineers Use HP Handheld Calculators - https://www.facebook.com/groups/hpcalc  Forums The Museum of HP Calculators - https://hpmuseum.org/forum/index.php  Reddit HPCalc - https://www.reddit.com/r/hpcalc/  Current Web Sites and Videos Article in Byte Magazine, Vol. 3 No. 6 - https://archive.org/details/byte-magazine-1978-06/page/n113/mode/1up  Article in HP Journal on the HP-67/97 - http://hparchive.com/Journals/HPJ-1976-11.pdf  HHC 2015 in Nashville, Tennessee, showing off RPN-97 Pro - https://www.cuveesoft.ch/rpn67/img/RPN-97HHC.mp4  HP - https://www.hp.com/hpinfo/abouthp/histnfacts/museum/personalsystems/0041/index.html   Eric Rechlin's hpcalc.org - http://www.hpcalc.org  Craig Finseth's HPDATABase - http://www.finseth.com/hpdata/  The Hewlett Packard Calculator Page by Rick Furr - http://www.vcalc.net/hp.htm  The Calculators of HP poster - https://www.vcalc.net/poster.htm#hp  series of articles by Wlodek Mier-Jedrzejowicz. They were published in DATAFILE - https://www.vcalc.net/hp-jhi.htm  Old HP and TI Calculators by Gene Wright - http://www.rskey.org/gene/hpgene/  HP Calculator Internals - http://www.brouhaha.com/~eric/hpcalc/  HP-97 at rskey.org - https://www.rskey.org/hp97  References Wikipedia - https://en.wikipedia.org/wiki/HP-67/97#67  Museum of HP Calculators (David Hicks) - https://www.hpmuseum.org/hp6797.htm   

Trace & Blake are joined in this BONUS

The Retirement Navigator - as it's called - is being described as a one-of-a-kind tool for spending in golden years.

David Fleming is a mortgage broker and property investment financial expert as well as co-founder of Equity Resource Proprietary Limited. He has been in the property investment industry for over 20 years. With that wealth of knowledge behind him, he helps his clients implement strategies that can save them money within their budget to pay off their mortgage faster. Join us as we delve into David Fleming's background and his upbringing in New Zealand, what his time spent in the United States was like, how he got his start in the property investing industry, how he is able to help his clients with their budget, a story about a situation that nearly ended in disaster, and much more in this episode of Property Investory! Hosted on Acast. See acast.com/privacy for more information.

This week, Monika talks about the rising global war anxiety and how it's triggering panic among investors. As conflicts erupt across the globe, the instinct to pull money out of the markets is growing—but is that the right move? With fears of nuclear escalation, many are tempted to book profits and flee to cash. But Monika explains why the better approach is to stay calm, focus on asset allocation, and avoid impulsive financial decisions driven by headlines. India, despite external threats, remains on a strong economic footing—with 6.5% GDP growth, healthy macro indicators, and strategic restraint. While we cannot control global turmoil, we can build resilient portfolios that are better prepared for long-term uncertainty.She then explains what a "risk asset" really is—investments like stocks or real estate whose prices fluctuate and that carry a risk of capital loss. These stand in contrast to low-risk assets like PPF or fixed deposits, which offer capital protection but lower returns. Monika lays out why investors choose risk assets in the first place: for higher returns over the long term. But she also emphasizes that this risk must be balanced with an appropriate time horizon and the right mix of stable, low-risk assets for peace of mind.In listener questions, Samparth asks whether his ₹50 lakh upfront investment for his child's education is enough and seeks advice on raising financially aware children. Amit wonders why the total expense ratio matters when mutual fund returns are already reported post-cost. Dr. Jayesh Waghulde asks whether he should move from mutual funds to high dividend-yield stocks or stick to a mutual fund strategy after receiving a lump sum.Chapters:(00:31 – 07:33) War clouds, worried investors: What to do when conflict scares you out of the market(07:34 – 08:23) What is a risk asset and why do we choose them anyway?(08:24 – 13:15) Children's education and values: Planning, protecting, and parenting with money(13:16 – 16:13) Do expense ratios matter when returns are already declared?(16:14 – 18:14) Trading vs mutual funds: A reminder to avoid fake profiles and risky shortcutshttps://www.amfiindia.com/investor-corner/knowledge-center/Expense-Ratio.htmlIf 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

David Fleming is a mortgage broker and property investment financial expert as well as co-founder of Equity Resource Proprietary Limited. He has been in the property investment industry for over 20 years. With that wealth of knowledge behind him, he helps his clients implement strategies that can save them money within their budget to pay off their mortgage faster. Join us as we delve into David Fleming's background and his upbringing in New Zealand, what his time spent in the United States was like, how he got his start in the property investing industry, how he is able to help his clients with their budget, a story about a situation that nearly ended in disaster, and much more in this episode of Property Investory! Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Cocktail Academy Podcast, Damian sits down with one of modern bartending's most influential voices Jeffrey Morgenthaler. Known for his no-nonsense approach to cocktails, pioneering work at Clyde Common, and the bestselling Bar Book, Jeff shares practical insights from 30 years behind the stick.Together, they dive into what's changed in the bar world, what hasn't, and why sometimes the most successful drinks are the simplest. From how to make a better Amaretto Sour, to why great bars can thrive outside major cities, this conversation is full of sharp, honest, and empowering takeaways for bartenders and bar owners alike.

Levers of Profit Calculator: coltivar.com/levers-of-profit-calculatorWant to know how to boost your business's profitability? There are just four key levers that make all the difference: price, volume, cost of goods sold, and operating expenses. Once you understand these, you'll be equipped to make smarter decisions that drive real results.In this episode, Steve walks you through a free tool he created that calculates how small changes to these four levers can impact your profit. With just two simple inputs—cost of goods sold and operating expenses—you'll instantly see how adjusting each lever can improve your bottom line.Whether you're leading a team or sitting in a meeting, this tool gives you the confidence to make decisions based on real data.Let's connect: linkedin.com/in/stevecoughran/Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Support the show

Welcome to Monday cheeky chums! Lots on in today's ep…Ahead of Phoebe's Gold Coast half-marathon, we've taken a look at Strava and Garmin's race time predictors… how do they compare, what do they base their calculations off, and do we think either is accurate?Then we're diving into a listener question; our first go at answering a run-club related ‘Am I the Asshole?'. We can't wait to hear your thoughts on this one.Then, to wrap it up, we share your best tips and tricks to help the oh-so-dreadful runner's knee.LINKS:·  Register for HERE our Gold Coast shakeout run with Lululemon·  Check out our latest Substack: ‘What I didn't like about my Oura ring + what I've learnt from it'·  Check out Pilates instructor Alice Back's InstagramFollow us wherever you get your podcasts + Instagram, Tiktok, Phoebe's Strava + Anna's Strava, and join our Strava community

This week, Monika highlights how Indian banks are aggressively mis-selling financial products, especially to the elderly and vulnerable. A recent experience with her father at a bank shows just how predatory these practices have become. New moves by the Ministry of Finance and RBI signal growing concern—banks have now been told to stop staff incentives for insurance sales, and the RBI is exploring stricter guidelines. A revealing fintech report shows banks earned over ₹21,000 crore in FY24 from commissions, often from unsuitable product sales. Nearly half of all life insurance policies are discontinued within five years, and poor product design combined with a commission-first mindset has created a system stacked against customers. Monika calls on listeners to share their own experiences and push for change using the hashtag #StopMisselling.She also breaks down what "mis-selling" really means. It's not just bad advice—it involves deliberately hiding product risks, recommending financial instruments based on commissions instead of customer need, and bundling high-cost products with simple banking services like FDs or loans. Victims are often the least protected: senior citizens, low-income families, and those unfamiliar with financial jargon. Monika walks through key red flags to watch out for at the bank and shares tips on how to avoid being manipulated into buying harmful financial products.In listener questions, a young Chartered Accountant, Hardik Solanki, asks for guidance on switching careers from accounting to financial advising. Another listener, Anjana, 24, seeks advice on buying term insurance and whether riders or limited pay options make sense. A third listener, Ujjawal, wants to know how to withdraw funds efficiently in retirement after 25 years of investing.Chapters:(00:30 – 08:41) Shark-infested banks: How mis-selling became a national crisis and what's finally changing(08:42 – 09:57) Decoding mis-selling: What it means, what it looks like, who it targets(10:00 – 14:00) Switching to financial advisory: Qualifications, risks, and the long game(14:01 – 16:00) Term insurance at 24: Do you even need it and what riders to look at(16:01 – 19:06) Retirement withdrawals: Rebalancing equity, debt, and staying the coursehttps://1financemagazine.com/surveys/mis-selling-menacehttps://x.com/BahlKanan/status/1932379980237095209https://www.nism.ac.in/investment-adviser-level-1/https://www.sebi.gov.in/legal/regulations/aug-2023/securities-and-exchange-board-of-india-investment-advisers-regulations-2013-last-amended-on-august-18-2023-_76357.htmlhttps://aria.org.in/If you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠Monika'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

feel like you've tried every macro calculator, but still don't know what you should actually be eating?what if you've been asking the wrong question this whole time?because if you think the solution is just finding the right macro ratio or calorie target,i'm going to show you why that's actually what's keeping you stuck.in this episode, we're not just talking about macros — we're dismantling the entire way you've been taught to think about them. if you've ever googled “how many calories should i eat?” or felt stuck between obsessively tracking and totally winging it, this episode is your permission slip to stop blaming your body and start asking better questions.we're going deep into:• why 1400–1600 cals isn't “maintenance” — it's survival• the reason macro calculators keep failing you• how to build habits in maintenance (not deficits)• the missing piece between numbers and results: trusttakeaway #1: if your digestion is wrecked, your energy's tanked, or your sleep sucks — your macros won't work.takeaway #2: stop optimizing before you're even consistent. standardize first. then build.this isn't just about macros. this is about reclaiming your progress. so if you're stuck in food fear, low energy, or chronic second-guessing — this one's for you.if you've tracked for years, still feel lost, and are ready to do it differently – this episode is here to explain it all to you. ground up. and why it matters to put the time in to getting it right.want to come on the podcast to share your story or struggles? message me on instagram or fill out the link below.find me @transformxruby on instagramask podcast questions: https://docs.google.com/forms/d/e/1FAIpQLSczwoVPaIPvsLDkqjnkvFy2MjCG2vwYj7u9Uq3bJLMTiS-q8w/viewform?usp=sf_linkapply for a free consult: https://docs.google.com/forms/d/e/1FAIpQLSfqaxMDfbPYPYVui3BgSClnDXTj4BWjRvPkbBHuK5CP7SQsIw/viewform?usp=sf_linkdirect link to dm me on ig: https://ig.me/m/transformxruby

May's inflation report was positive and changed expectations on interest rates. How will the Fed react? Many American adults are financially illiterate. Why is this a growing concern? Finally, this month's question debates stocks vs. bonds right now. Which is better?

This week, Monika unpacks the Reserve Bank of India's surprise 50 basis point cut in the repo rate—the third such cut this year, bringing the rate down to 5.5%. Alongside this, the central bank announced a phased reduction in the Cash Reserve Ratio (CRR) from 4% to 3%, injecting ₹2.5 trillion into the banking system. These moves signal a clear shift to an easy money policy—one that indicates inflation is under control and a strong push for growth is underway. Lower interest rates will reduce borrowing costs, encourage private investment, and boost business activity, while also lowering EMIs and loan rates. However, fixed deposit rates are likely to drop, making it a good time to lock in existing returns. With inflation forecast at 3.7% and GDP growth at 6.5%, this policy shift marks the beginning of a new growth cycle, with monetary and fiscal strategies finally working in sync.She also breaks down a key monetary policy term—Statutory Liquidity Ratio (SLR). Unlike CRR, the SLR is the portion of a bank's deposits that must be held in liquid assets like cash or government bonds. It remains steady at 18%, and plays a crucial role in maintaining banking system health. Monika helps listeners understand how the repo rate, CRR, and SLR interact to shape credit flow, manage inflation, and support the economy.In listener questions, one listener seeks advice on whether to surrender or make a life insurance policy paid-up, prompting a walk-through of long-term return comparisons across options. Another listener asks how to find trustworthy financial guidance and upskill in money matters, and is directed to educational resources and fee-only financial planners. A third listener asks about investing for elderly parents, and the advice is to build personal financial stability first before offering financial support to others.Chapters:(00:31 – 07:18) RBI's Easy Money Signal: Repo Rate, CRR, and Growth Forecasts(07:19 – 08:30) Understanding SLR: The Third Key Monetary Tool(08:31 – 13:25) Should I Surrender or Make My Policy Paid-Up?(13:26 – 15:48) How to Start Financial Planning in Your 50s(15:49 – 17:31) Helping Parents Financially: What Should You Prioritise?https://www.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=60605https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12858&Mode=0https://tradingeconomics.com/india/interest-ratehttp://www.Aria.org.inIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠Monika'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

Welcome back to the Real Estate Investing School Podcast. On today's show, Craig Lively shares his journey into real estate investing, starting with house hacking and leveraging the power of real estate to build wealth. Craig emphasizes the importance of getting started early and taking action, even with limited funds. He discusses his experience with remote investing in Indianapolis and the importance of building a reliable team of professionals in the target market. He highlights the value of networking and seeking advice from experienced investors. Craig's story demonstrates the power of real estate as a wealth-building tool and the benefits of passive income and active income generation. In this conversation, Craig and Joe discuss the importance of creating your own real estate deal calculator and the benefits of understanding the formulas and metrics involved. They also explore the role of real estate in personal finance and the value of leveraging money to invest in assets like real estate. Craig shares his guiding principles of focusing on investments rather than luxuries and the importance of growing your asset portfolio. They also touch on the mistakes and lessons learned in real estate investing. If you're ready to make the jump from living on active income to passive income, book a free one on one strategy call with one of our experienced real estate coaches with the link below to see how we can help you! Book a free real estate investing strategy call! No experience necessary. Check out the Real Estate Investing School Youtube Real Estate Investing School Instagram Brody's Instagram Joe's Instagram Craig's Instagram

John Davis is a running coach, researcher, and the author of the blog Running Writings. He combines scientific thinking and computational skills with practical coaching, and has developed popular tools and calculators for distance runners. In this episode, John discusses his run training principles, and we discuss his calculators and why they could be a great tool in any runner's toolbox. HIGHLIGHTS AND KEY TOPICS: The story behind Running Writings and John's motivation for starting itJohn's calculators and how they differ from othersJohn's coaching philosophy and core training principlesUsing physiological models and race-goal models in training designThe value of long steady runsThoughts on training durability and minimising late-race performance declineListener questionsDETAILED EPISODE SHOWNOTES: We have detailed shownotes for all of our episodes. The shownotes are basically the podcast episode in written form, that you can read in 5-10 minutes. They are not transcriptions, but they are also not just surface-level overviews. They provide detailed insights and timestamps for each episode, and are great especially for later review, after you've already listened to an episode. Naturally, as great as they are, they do not cover absolutely everything in as great detail as we can do in a 45-90 minute podcast episode.The shownotes for today's episode can be found at www.scientifictriathlon.com/tts464/LINKS AND RESOURCES: John's Instagram and TwitterRunning Writings - John's websiteRunning Writings NewsletterAll of John's calculatorsThe 5k to Critical Speed calculator discussed at length in the episodeModern Training and Physiology for Middle and Long-Distance Runners - John's bookWHAT SHOULD I LISTEN TO NEXT?If you enjoyed this episode, I think you'll love the following episodes: David Roche – The training and racing strategy behind his epic Leadville 100 course record | EP#444 - inspiring episode about ultra-running, with lots of interesting thought experiments for any endurance athleteMichele Zanini (part 2) | EP#394 - a deep-dive into Renato Canova's training methods, from somebody who spent a lot of time working together with CanovaRun training talk with Jon Green | EP#315 - a great interview on run training with the coach of Molly Seidel, bronze medalist at the Tokyo OlympicsYou can find our full episode archives here, where you can filter for categories such as Training, Racing, Science & Physiology, Swimming, Cycling, Running etc.You can also find separate archives for specific series of episodes I've done, specifically Q&A episodes, TTS Thursday episodes, and Beginner Tips episodes. LEARN MORE ABOUT SCIENTIFIC TRIATHLON: The Scientific Triathlon website is the home of That Triathlon Show and everything else that we doContact us through our contact form or email me directly (note - email/contact form messages get responded to much more quickly than Instagram DMs)Subscribe to our NewsletterFollow us on InstagramLearn more about our coaching, training plans, and training camps. We have something to offer for everybody from beginners to professionals.HOW CAN I SUPPORT THAT TRIATHLON SHOW (FOR FREE)? I really appreciate you reading this and considering helping the show! If you love the show and want to support it to help ensure it sticks around, there are a few very simple things you can do, at no cost other than a minute of your time. Subscribe to the podcast in your podcast app to automatically get all new episodes as they are released.Tell your friends, internet and social media friends, acquaintances and triathlon frenemies about the podcast. Word of mouth is the best way to grow the podcast by far!Rate and review the podcast (ideally five stars of course!) in your podcast app of choice (Spotify and Apple Podcasts are the biggest and most important ones).Share episodes online and on social media. Share your favourite episodes in your Instagram stories, start a discussion about interesting episodes on forums, reference them in your blog or Substack.SPONSORS: Precision Fuel & Hydration help athletes personalise their hydration and fueling strategies for training and racing. Use the free Fuel & Hydration Planner to get personalised plan for your carbohydrate, sodium and fluid intake in your next event. That Triathlon Show listeners get 15% off their first order of fuel and electrolyte products. Simply use this link and the discount will be auto-applied at the checkout.

This week, Monika unpacks India's fourth quarter GDP growth of 7.4%, which lifts the annual rate to 6.5% and suggests the slowdown may be over. Despite global challenges, India remains the fastest-growing large economy, driven by strong construction, manufacturing, and agriculture. Private investment is picking up, per capita GDP has nearly doubled in a decade, and sectors like smartphone exports and fisheries point to deeper structural shifts. Monika explains why this rebound looks cyclical rather than structural, and why India's growth path appears more sustainable going forward.Next, Monika clarifies the difference between nominal and real GDP. She explains that while nominal GDP reflects the total value of goods and services at current market prices, real GDP strips out the effects of inflation to offer a clearer view of actual economic growth. Understanding this difference is crucial when interpreting GDP trends, especially in inflationary times.In listener questions, Mr Gupta asks whether he should reduce his 60% equity exposure as he nears retirement and how to manage buying a home post-retirement without taking on new loans. Srinivas wants to know whether short-term geopolitical tensions should prompt mutual fund withdrawals, and Dr Kirti Arora, just beginning her investment journey, seeks clarity on whether consistently outperforming large-cap active funds are better than index funds. Monika responds with thoughtful, detailed guidance rooted in sound financial strategy and long-term perspective.Chapters:(00:34 – 07:54) India's Growth Outlook: Shrugging Off the Slowdown(07:55 – 09:10) Nominal vs Real GDP: Understanding the Difference(09:25 – 15:14) Retirement Planning Essentials: Equity Allocation and Funding Your New Home(15:15 – 17:44) Navigating Market Volatility: Should You Stay Invested in Mutual Funds During Crisis?(17:45 – 19:57) Active vs Passive Large-Cap Funds: Making Informed Investment Choiceshttps://www.pib.gov.in/PressReleasePage.aspx?PRID=2132688If 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

Julia Evans “We want people to ask these questions,” says Julia Evans, Group Operations Director at TXO. “This gives our customers and partners a real indication of what they're actually doing in real time.” In a new episode of Technology Reseller News, Publisher Doug Green speaks with Julia Evans of TXO about a groundbreaking sustainability initiative: the TXO Carbon Calculator. Developed in partnership with the Carbon Trust, the calculator gives telecom operators and enterprises a powerful tool to measure the carbon savings of reusing, refurbishing, and recycling network equipment instead of buying new. TXO, a global technology lifecycle partner, helps service providers extend the life of their assets by decommissioning, repairing, reselling, and responsibly recycling telecom infrastructure. As Evans explains, with the continued move to the cloud and digital transformation accelerating, there's a surge in decommissioned equipment—and a massive opportunity to manage it sustainably. The Carbon Calculator is now available through TXO's iTrack portal and provides customers with validated, downloadable data on carbon savings. In some cases, using refurbished components rather than new ones can reduce emissions by up to 93%. Evans emphasized that the methodology is rigorous and backed by the Carbon Trust, ensuring customers can confidently use this data in sustainability reports and procurement planning. In a telecom environment where sustainability is becoming a key procurement driver, TXO's offering stands out—not just for reducing emissions, but for making those savings measurable, reportable, and impactful. TXO is also expanding in North America following the acquisition of Airway Group, further growing its reach and ability to support circular economy practices globally. Learn more at: https://www.txo.com

This week, Monika returns from a whirlwind trip to Berlin and Hamburg with reflections on unpredictable European weather and a newfound appreciation for the Delhi heat. Back at her desk, she dives straight into the world of bonds—those unassuming financial instruments that actually run the show when it comes to signaling the health of an economy. Monika explains why the bond market is far more closely watched than the stock market and what it's been saying about India's growth story in a global economy full of mixed signals.She breaks down the mechanics of bonds and bond yields in her trademark relatable style, comparing them to FDs and detailing how they reflect changing interest rates, inflation, and creditworthiness. With examples from the US bond market's reactions to policy shifts and deficits, Monika shows how yields offer a real-time assessment of trust in a country's economic direction. For India, the recent fall in bond yields alongside strong macroeconomic numbers signals growing confidence among investors and hints at a positive future.The listener questions begin with anonymous from Pune, who is balancing a ₹60 lakh home loan and wants to know whether to prepay the loan or start a ₹50,000 monthly SIP for retirement, while also asking about the need for term insurance for a non-earning spouse. Vaibhav Verma is considering withdrawing from his stock and PF portfolio to buy a ₹20 lakh plot and seeks advice on whether property is a wise investment in the long term. And Naman Nihalani, a 22-year-old MBA student preparing for a financially responsible future, wants help building a budget, handling an education loan, and planning long-term investments to manage life's many responsibilities.Chapters:(00:30 - 07:20) Why Bonds Are the Real Boss of the Economy(07:21 - 09:10) How Bond Yields Move and What They Signal(09:39 - 16:50) Should I Prepay My Home Loan or Start Retirement SIPs?(16:51 - 19:34) Is Buying a Plot Better Than Mutual Funds for Long-Term Investing?(19:35 - 21:42) How Can a 22-Year-Old Plan Finances for the Future?If 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

Technology has often posed a challenge in school settings. Back in my day, pocket calculators started showing up in classrooms. At first, they were outlawed. However, teachers and administrators found a way to integrate them into their systems over time. Now, they're no big deal. But today, we have other technology that is posing problems. College students are starting to use artificial intelligence to help them write papers. Using tools like ChatGPT isn't as obvious as a calculator. And while colleges are dealing with it today, it's just a matter of time before it starts appearing in high schools... Click Here To Subscribe Apple PodcastsSpotifyAmazon MusicGoogle PodcastsTuneIniHeartRadioPandoraDeezerBlubrryBullhornCastBoxCastrofyyd.deGaanaiVooxListen NotesmyTuner RadioOvercastOwlTailPlayer.fmPocketCastsPodbayPodbeanPodcast AddictPodcast IndexPodcast RepublicPodchaserPodfanPodtailRadio PublicRadio.comReason.fmRSSRadioVurblWe.foYandex jQuery(document).ready(function($) { 'use strict'; $('#podcast-subscribe-button-13292 .podcast-subscribe-button.modal-683f18e3c6a27').on("click", function() { $("#secondline-psb-subs-modal.modal-683f18e3c6a27.modal.secondline-modal-683f18e3c6a27").modal({ fadeDuration: 250, closeText: '', }); return false; }); });

This week, Monika tackles a controversial question that might land her in hot water with many women: is a luxury bag truly an investment? From silk saris to high-end handbags, these purchases are often labeled as financial assets. But Monika breaks down what qualifies as an actual investment and whether these luxury items really fit the bill—or if they're simply expensive indulgences. With her trademark clarity and humor, she walks through the difference between collectibles and income- or profit-generating assets.Next, Monika explains the term GDP—Gross Domestic Product—a phrase that's often used but rarely understood in everyday life. What does it really measure? Why is it important? And how does it affect us? She gives a clear and relatable overview, showing how the value of everything produced within a country tells us about its economic health. With a breakdown of the GDP formula and India's consumer-driven economy, this segment offers a strong foundation for understanding headlines and economic reports.The Q&A section begins with Anonymous, who wants to understand which equity mutual fund categories in India can invest in foreign shares and whether there are specific limits involved. Somya Shrivastava, a PSU manager, seeks advice on when to rebalance and evaluate her mutual fund portfolio. Mohit Khera asks if it's a good idea to invest ₹50 lakhs in a Nifty 50 fund and start an SWP for his parents, while Akila Shivkumar wants to know when it makes sense to book profits on her long-term SIP investments.Chapters:(00:33-04:42) Is a luxury bag an investment?(04:43-06:18) What is GDP and why it matters(06:22-09:39) Which mutual funds can invest in foreign stocks?(09:40-12:06) How to manage and rebalance your mutual fund portfolio(12:07-12:57) Is SWP from equity funds a good idea for parents?(12:58-14:41) When should you book profits in mutual funds?https://www.valueresearchonline.com/funds/selector/category/118/equity-international/?end-type=1&plan-type=direct&exclude=suspended-planshttps://www.moneycontrol.com/news/business/markets/with-7-billion-limit-breached-only-a-few-mf-schemes-offer-overseas-equity-exposure-here-s-the-list-of-schemes-12971900.htmlIf 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

At the end of each week, Mike Hosking takes you through the big-ticket items and lets you know what he makes of it all. The Budget: 7/10 In totality she did quite a lot with next to nothing and the intent and messaging, I hope, gave hope. Because boy do we need hope. Oh, and also a surplus. The Green's budget: 1/10 They shouldn't even be allowed near a calculator. When nurses get pay cuts because of tax you know you are dealing with nutters. The Privileges Committee debate: 6/10 Because at last the committee came to the party on rule breaking and at least attempted to right the egregious mess the place has become. The Warriors: 8/10 They just keep on winning. And this weekend at home against the Raiders - what a lip-smacker! The Golden Dome: 6/10 Is it even real? Can you build a dome in three years and, if you can, how come we can't build a road in that time? Smith & Caugheys: 2/10 That is what arrogance, incompetence, blind ideology and lack of vision does for a city. LISTEN ABOVE FOR MIKE HOSKING'S FULL WEEK IN REVIEW See omnystudio.com/listener for privacy information.

In this episode of the Personal Finance Podcast,  we are going to talk about the  seven mindset shifts to master your money psychology. Watch this episode on Youtube. How Andrew Can Help You:  Listen to The Business Show ⁠here⁠. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities.⁠ Enroll now and make this year count!⁠ Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week ⁠Here⁠! Learn to invest by joining ⁠ Index Fund Pro⁠! This is Andrew's course teaching you how to invest!  Watch The Master Money ⁠Youtube Channel⁠! , Ask Andrew a question on ⁠Instagram⁠ or ⁠TikTok⁠.  Learn how to get out of Debt by joining our ⁠Free Course ⁠ Leave Feedback or Episode Requests ⁠here⁠.  Car buying Calculator ⁠here⁠ Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at ⁠ ⁠⁠shopify.com/pfp⁠ Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at⁠ chime.com/⁠ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to⁠ ⁠⁠fundrise.com/pfp⁠ Thanks to Policy Genius for Sponsoring the show! Go to ⁠policygenius.com⁠ to get your free life insurance quote. Go to ⁠https://joindeleteme.com/PFP20/⁠ for 20% off! Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at ⁠Indeed.com/personalfinance⁠ Turn your business dream into reality! Apply now at ⁠www.oneday.org/pfp⁠  Go to ⁠Acorns.com/pfp⁠ and start automating your investments and get a $5 bonus today! Shop Data Plans and Save Big at ⁠mintmobile.com/pfp⁠   Links Mentioned in This Episode:  ⁠Should I Use My Emergency Fund to Pay Off High Interest Debt? - Money Q&A⁠ ⁠Pre-Tax or Roth, How to Use Your Emergency Fund, & Building Business Credit - Money Q&A ⁠ ⁠The 1-3-6 Method For Building & Managing Your Emergency Fund⁠ ⁠How to Get a Guaranteed 5% Return on Your Emergency Fund - Money Q&A⁠ Connect With Andrew on Social Media:  ⁠Instagram ⁠ ⁠TikTok⁠ ⁠Twitter ⁠ ⁠Master Money Website⁠  ⁠Master Money Youtube Channel⁠   Free Guides:   ⁠The Stairway to Wealth: The Order of Operations for your Money ⁠ ⁠How to Negotiate Your Salary ⁠ ⁠The 75 Day Money Challenge ⁠ ⁠Get out Of Debt Fast ⁠ ⁠Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

View this video at https://macmost.com/10-hidden-features-of-the-iphone-calculator-app.html. At first glance the Calculator app on your iPhone is pretty basic. But once you know how to access its hidden functions, it becomes very powerful. Learn how to use history, conversions, parentheses, variables, graphs and more.

Send us a textIn this conversation, Ashley and Christa discuss the intersection of ultra running and inflammatory bowel disease (IBD). They explore the unique challenges faced by IBD athletes, the importance of tailored nutrition strategies, and Christa's personal experiences working with athletes.takeawaysChrista has a personal background that drives her interest in IBD and sports.Nutrition strategies are crucial for managing energy and performance.Rest is as important as training for athletes.Many athletes, even at professional levels, are undernourished.Calculators for energy needs can be misleading for IBD athletes.Individualized nutrition plans are essential for optimal performance.Athletes need to balance their energy intake throughout the day.Working with a dietitian can help athletes fine-tune their nutrition.Chapters00:00- Introduction to Ultra Running and IBD02:45- Christa's Experience with Ultra Endurance Athletes08:36- Case Study: Balancing Nutrition and Training15:31- Understanding Energy Needs for IBD Athletes18:29- Conclusion and Call to ActionFollow us on instagram @crohns_and_colitis_dietitiansFollow us on youtube @thecrohnscolitisdietitiansWe love helping provide quality content on IBD nutrition and making it more accessible to all through our podcast, instagram and youtube channel. Creating the resources we provide comes at a significant cost to us. We dream of a day where we can provide even more free education, guidance and support to those with IBD like us. We need your support to do this. You can help us by liking episodes, sharing them on your social media, subscribing to you tube and telling others about us (your doctors, friends, family, forums/reddit etc). Can you do this for us? In return, I promise to continually level up what we do here.

Send us a textIn this episode of The Family Office Club Podcast, Joe Williams, co-founder of Keller Williams, moderates a fascinating conversation about the technology and tools shaping the real estate and investment industry. The panel of experts discusses the evolving role of technology, from basic calculators and spreadsheets to the impact of AI and data modeling tools. Despite advancements, the group emphasizes that real estate remains fundamentally a relationship-driven business, with boots-on-the-ground work and human connections still at the core of success. The conversation also delves into the unique dynamics of niche markets, the importance of local insights, and how human intuition often trumps tech-driven data when it comes to making key decisions. Tune in to hear how these seasoned professionals balance technology with time-tested strategies in today's fast-paced market.

We are joined today by Josh and Sarah from the A Podcast Will Save This Relationship! Check out all their links HERE! Resources to support those affected by the Lapu Lapu Festival -24-hour assistance centre at Douglas Park Community Centre at 801 West 22nd Ave. Vancouver Police Department officers and Victim Services professionals are on-site to offer support. VPD support can also be reached at 604-717-3331. -VictimLinkBC is a toll-free, confidential, multilingual service available across B.C. and the Yukon 24 hours a day, seven days a week by Phone/Text: 1-800-563-0808 or Email: 211-VictimLinkBC@uwbc.ca -310 Mental Health Line at 310-6789 -Crisis Line at 1-800-784-2433 Become a Patron or YouTube Member for ad-free episodes and bonus stories every Monday and Friday as well as exclusive content:⁠ Cultiv8 Patreon⁠ or⁠ YouTube Membership⁠   Head to ⁠https://factormeals.com/factorpodcast⁠ and use code WIKI50OFF to get 50% off! Head to ⁠https://hometownhero.com/⁠ and use code REDDIT for 20% off your first purchase. (Timestamps are approximate due to dynamic ad insertion. Consider being a Patron or YouTube member for ad-free episodes) On today's AITA episode we have:(00:00) - Intro(05:59) - AITA for making my sick husband clean up his vomit?(15:19) - AITAH for being in the delivery room while my sister gave birth? (23:56) - AITA for having a bunch of formulas written on my Calculator? (39:05) - AITAH for buying my boyfriend flowers after he mentioned most men only get them when they die. Be sure to hit like, subscribe, and follow us on all social media platforms for all things Reddit on Wiki! Click here for our Social and Donation Links:⁠ https://linktr.ee/redditonwiki Learn more about your ad choices. Visit megaphone.fm/adchoices

A horrific act of terror in Pahalgam last week has shaken the nation, and in this episode, Monika addresses the financial implications of a potential war. While the armed forces are on the frontline, civilians are not immune to the disruption—war impacts all of us, not just emotionally but economically. As the geopolitical climate intensifies, she lays out a clear, calm, and practical financial toolkit to help you prepare: from building an emergency fund to conserving cash, reducing debt, and avoiding risky investments. She also underscores the importance of keeping some cash at home, ensuring insurance coverage is intact, and stocking essentials for at least a month. Whether or not the worst comes to pass, being financially prepared is the most responsible thing you can do right now.Monika then simplifies the concept of fiscal policy. Often heard but seldom understood, this key economic tool affects how much the government taxes us and where it spends our money. She breaks it down so you understand how budget decisions today ripple into your financial life over time—from inflation to infrastructure, subsidies to defence. Fiscal policy isn't just theory; it's personal.In the listener Q&A, Mohanish from Pune asks whether to buy a second home now or wait and invest the funds for a potentially better outcome in the future. Anup from Mysore wonders if he should invest his bonuses in a new mid or small cap fund or stick with his existing ones. Aravinda writes in to clarify if the retirement planning rule of thumb refers to gross or net annual income.Chapters:(00:31 – 04:27) Preparing Financially for War(04:28 – 06:13) What Is Fiscal Policy and Why It Matters(06:14 – 11:29) Should I Buy a Bigger House Now or Wait(11:30 – 13:40) Where Should I Invest My Bonuses?(13:41 – 14:37) How to Calculate Retirement Corpus MilestonesIf 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

You might not be able to send inventory to FBA next month. Tariff surcharges could appear on Amazon listings, and TikTok Shop expands again. All this buzzing news and more! ► Instagram: instagram.com/serioussellerspodcast ► Free Amazon Seller Chrome Extension: https://h10.me/extension ► Sign Up For Helium 10: https://h10.me/signup  (Use SSP10 To Save 10% For Life) ► Learn How To Sell on Amazon: https://h10.me/ft ► Watch The Podcasts On YouTube: youtube.com/@Helium10/videos We're back with another episode of the Weekly Buzz with Helium 10's VP of Education and Strategy, Bradley Sutton. Every week, we cover the latest breaking news in the Amazon, Walmart, and E-commerce space, talk about Helium 10's newest features, and provide a training tip for the week for serious sellers of any level. Amazon Slashes Your FBA Capacity! https://sellercentral.amazon.com/inventory-storage/storage-request/limit-increase Create deals for Amazon Pet Day https://sell.amazon.com/blog/announcements/pet-day Amazon denies plans to list tariff prices after President Trump calls Jeff Bezos to object https://www.usatoday.com/story/news/politics/2025/04/29/amazon-tariff-costs-trump-white-house/83340801007/ Grow With US: How Walmart's New Program Aims To Help Small Businesses Go Big https://corporate.walmart.com/news/2025/04/29/grow-with-us-how-walmarts-new-program-aims-to-help-small-businesses-go-big France urges fees on cheap e-commerce parcels in EU https://uk.finance.yahoo.com/news/france-urges-fees-cheap-e-121540875.html Walmart to Offer 3-Hour Delivery to 95% of Americans https://www.pymnts.com/walmart/2025/walmart-to-offer-3-hour-delivery-to-95percent-of-americans/ Exclusive: Some Amazon sellers are pulling out of Prime Day amid Trump tariffs https://www.reuters.com/business/retail-consumer/some-amazon-sellers-are-pulling-out-prime-day-amid-trump-tariffs-2025-04-28/ Walmart, Target resume business with some Chinese factories after tariff-related halt, suppliers say https://edition.cnn.com/2025/04/29/business/walmart-target-chinese-orders-tariffs-hnk-intl/index.html TikTok to enter Japan's e-commerce industry, Nikkei reports https://www.reuters.com/world/china/tiktok-enter-japan-e-commerce-nikkei-reports-2025-04-26/ Did you know Helium 10 has a forum? While our Facebook group gets more traffic, we want to grow the forum community too! It's a great place to ask questions and join discussions about e-commerce, Amazon strategies, and more. Remember, it's not for Helium 10 customer support—that's available 24/7 through our website. To participate, sign in to your Helium 10 account and head to forum.helium10.com. Helium 10 has rolled out several powerful new features this week, starting with the brand-new Tariff Analyzer tool in Profits. This feature gives sellers a detailed breakdown of how tariffs impact their net profits on a product-by-product basis. By inputting the country of origin and cost of goods sold (COGS), users can instantly see pre- and post-tariff profit margins, estimate the price adjustments needed to maintain margins, and even compare how switching manufacturing to another country, like Vietnam or Uzbekistan, might improve profitability. It's a game-changing tool for sellers looking to stay agile amid rising import costs. Another major upgrade is the expansion of Managed Refund Services, now available to both Platinum and Diamond users. Previously reserved for Diamond subscribers, this service helps Amazon sellers recover funds owed by Amazon due to lost, damaged, or mishandled inventory. Helium 10's team handles the tedious claims process, scanning accounts, filing cases, and staying compliant with Amazon's policies. Sellers only pay a small percentage of successfully recovered funds, making it a zero-risk way to reclaim potentially thousands in lost revenue. On top of that, Helium 10 has added support for Cerebro and Magnet in the Amazon Saudi Arabia marketplace, with built-in translation tools to help sellers understand foreign-language keywords and rank data, opening up new international expansion opportunities easily. Tune in for a wealth of knowledge and strategies to keep your Amazon business thriving.

Ralph Burns welcomes Nick Miller, the Head of Traffic at Tier 11, to unpack the most important metric you're probably not tracking—nCAC (New Cost to Acquire a Customer). A former professional musician turned media buying maestro, Nick walks us through the evolution of the nCAC calculator, the metric's massive impact on client results, and why ROAS is no longer king. You'll hear the behind-the-scenes of how Tier 11's top media buyers use this tool to optimize spend, scale smarter, and avoid misleading metrics. If you want a better way to judge your ad performance—and a free tool to do it—this is the episode for you.Chapters:00:00:00 - Kicking Off Another High-Impact Episode of Perpetual Traffic00:01:10 - Meet Nick Miller: From Shredding Guitars to Scaling Brands00:02:09 - Why the nCAC Calculator Will Transform Your Growth Strategy00:03:48 - Breaking Free from ROAS: The Rise of Smarter Metrics00:06:01 - Inside the nCAC Calculator: Your New Secret Weapon00:11:41 - How to Actually Use the nCAC Calculator (Without Guesswork)00:26:00 - Media Efficiency Ratio: The Overlooked Key to Profitability00:26:57 - Crunching the Numbers: Step-by-Step nCAC Calculation00:27:19 - How Paid Media Spend Impacts Your Bottom Line00:29:57 - Unlocking Growth Through Lifetime Contribution Margin00:30:54 - Why You Can't Trust Ad Platforms at Face Value00:32:02 - Building a Retention Strategy That Fuels Lifetime Value00:32:51 - Scaling Smart: Where Profitability Meets Performance00:41:08 - Crafting the Perfect Traffic Mix and Targeting Your nCAC00:49:30 - Measuring Effective Cost Per New Visit (And Why It Matters)00:50:54 - Wrapping Up: Your Action Plan to Acquire Customers ProfitablyLINKS AND RESOURCES:Get Your nCAC Calculator Now!Past Episodes of Perpetual Traffic Featuring Nick MillerNick Miller on LinkedInEpisode 687: [Premium Beauty & Wellness Case Study] How We Increased New Customers 73% & Sales 57% in Q1 2025!Tier 11 JobsPerpetual Traffic on YouTubeTiereleven.comMongoose MediaPerpetual Traffic SurveyPerpetual Traffic WebsiteFollow Perpetual Traffic on TwitterConnect with Lauren on Instagram and Connect with Ralph on LinkedInThanks so much for joining us this week. Want to subscribe to Perpetual Traffic? Have some feedback you'd like to share? Connect with...

L.A. Mayor Karen Bass is proposing to eliminate the city’s landmark climate action office. LAist's budget calculator can help you break down what you're paying for in the city budget. Former councilmember Kevin de León has been fined for violating city law. Plus, more.Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comVisit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency! Support the show: https://laist.com

Monika is back after a short break, and the first thing on the agenda is the topic that's dominating every conversation—Trump's tariffs. In this episode, she unpacks what these new trade policies mean not just for the U.S. and China, but for the rest of the world. This isn't just about taxes on goods—it's a signal that the global power structure is in flux. As America's post-war dominance is challenged by China's rising ambition, we find ourselves in the middle of a massive geopolitical reset.She lays out the broader picture of a world order in transition, where democracies and authoritarian states are playing by very different rules. The United States, with its checks and balances, is finding it hard to keep pace with China's centralized decision-making. With Trump's aggressive stance in his second term, institutions are being bypassed, and uncertainty is running high. But in the middle of this chaos, there's a surprising resilience in the Indian economy, thanks to strong domestic consumption, manageable debt levels, and relatively low dependence on exports.In the listener Q&A, Daniel from Kanyakumari shares his investing journey and seeks clarity on whether he's on track for his child's education and retirement. Sachin from Vadodara wants to know if there's a single platform to track all his investments and LIC policies. Poonam, a homemaker and army wife, is eager to learn how to manage and grow her family's savings but doesn't know where to begin.Chapters:(00:30 – 09:34) Global Power Shifts and What They Mean for Investors(09:35 – 11:05) Explaining What a Recession Really Is(11:06 – 15:49) Structuring a Portfolio for Education and Retirement(15:50 – 19:07) Tracking Investments and the Need for One Dashboard(19:08 – 21:01) Getting Started With Money Management at Homehttps://www.valueresearchonline.com/https://licindia.in/If you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ If you have financial questions that you'd like answers for, please email us at mailme@monikahalan.comMonika'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

John Maytham is joined by Francois Viruly, a respected property economist and Associate Professor at UCT. He walks us through how municipal property rates are calculated.See omnystudio.com/listener for privacy information.

In this episode, Monika begins with a heartfelt discussion on the complex intersection of love, family, and money. She shares emotional real-life examples from listeners who are supporting family members burdened by financial irresponsibility. From parents with speculative debts to spouses with no income, Monika lays out a step-by-step approach to setting financial boundaries without feeling guilty. Her message is clear: love should not come at the cost of personal financial ruin. It's crucial to differentiate between support and enabling, and to prioritize long-term personal security.Next, Monika explains what a market correction is and why it isn't necessarily a bad thing. A 10% to 20% dip in the market is often a natural breather after a strong bull run. Instead of panicking and selling off equity holdings, Monika encourages investors to review their asset allocation and use the correction as an opportunity to invest more strategically. She underscores that timing the market is risky and generally unsuccessful, while a consistent investment approach tends to perform better in the long run.In the listener Q&A, Nidhi asks if she should sell her apartment or keep it for rental income in retirement. Ashwath from Chennai wants clarity on why portfolio rebalancing is necessary and how it affects returns. Alok Shahapurkar seeks help in analyzing the cap-size spread in his mutual fund portfolio, especially when funds contain blended exposures.Chapters:(00:30 – 06:32) Navigating Love, Money and Family Boundaries(06:33 – 07:47) Understanding Market Corrections(07:48 – 11:53) Evaluating Real Estate in a Retirement Portfolio(11:54 – 14:15) The Role of Rebalancing in Managing Risk(14:16 – 16:59) Assessing Market Cap Exposure in Mutual Fundshttps://investor.sebi.gov.in/https://www.valueresearchonline.com/If 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

Frank starts the third hour discussing the future of AI and teachers using ChatGPT in the classroom. He later opens mail from listeners. Learn more about your ad choices. Visit megaphone.fm/adchoices

On Day 2, we dive deep into a powerful tool that helps you take charge of your health and wellness: the Life Expectancy Calculator. In this episode, we explore how understanding your life expectancy can serve as a wake-up call to prioritize the things that truly matter. It's not just about the numbers – it's about using this knowledge to make intentional, life-affirming choices.

The HP97 Programmable Calculator - Part 2 - With Wlodek Mier-Jedrzejowicz Patreon: https://www.patreon.com/FloppyDays  Video version of the episode at YouTube: https://www.youtube.com/channel/UC6DQ3cyp8h373H0lXSJ8yqQ  Sponsors: 8-Bit Classics  Arcade Shopper   FutureVision Research  New Acquisitions 1027 print heads - https://forums.atariage.com/topic/271589-revive1027-order-thread/  ABBUC (Atari Bit-Byter Users Club) - https://www.abbuc.de  Best Electronics - https://www.best-electronics-ca.com/  inexpensive keyboard available on Amazon (for domes) - https://amzn.to/3FU9ASx  “Atari 400/800 Student Pilot Reference Guide” by Atari - https://archive.org/details/atari_pilot-student-guide  PortaCoCo - https://portacoco.com/  Tim Halloran video on making an adapter that allows you to run much of your CoCo off of battery - https://youtu.be/6UN1XvJG-bs  Ian Mavric's TRS-80 store - https://www.ebay.com/str/trs80universe  Upcoming Shows Midwest Gaming Classic - April 4-6 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/ VCF East - April 4-6, 2025 - Wall, NJ - http://www.vcfed.org  Indy Classic Computer and Video Game Expo - April 12-13 - Crowne Plaza Airport Hotel, Indianapolis, IN - https://indyclassic.org/  The Commodore Los Angeles Super Show - April 26-27 - Burbank VFW Hall, Burbank, CA - https://www.portcommodore.com/dokuwiki/doku.php?id=class:start  The 32nd Annual “Last” Chicago CoCoFEST! - May 2-3, 2025 - Holiday Inn & Suites Chicago-Carol Stream (Wheaton), Carol Stream, Illinois - https://www.glensideccc.com/cocofest/  VCF Europe - May 3-4 - Munich, Germany - https://vcfe.org/E/  Retrofest 2025 - May 31-June1 - Steam Museum of the Great Western Railway, Swindon, UK - https://retrofest.uk/  Vancouver Retro Gaming Expo - June 14 - New Westminster, BC, Canada - https://www.vancouvergamingexpo.com/index.html  VCF Southwest - June 20-22, 2025 - Davidson-Gundy Alumni Center at UT Dallas - https://www.vcfsw.org/  Southern Fried Gaming Expo and VCF Southeast - June 20-22, 2025 - Atlanta, GA - https://gameatl.com/  Pacific Commodore Expo NW v4 - June 21-22 - Old Rainier Brewery Intraspace, Seattle, WA - https://www.portcommodore.com/dokuwiki/doku.php?id=pacommex:start  KansasFest - July 18-20 - Virtual only - https://www.kansasfest.org/  VCF Midwest - September 13-14, 2025 - Renaissance Schaumburg Convention Center in Schaumburg, IL - http://vcfmw.org/  Tandy Assembly - September 26-28 - Courtyard by Marriott Springfield - Springfield, OH - http://www.tandyassembly.com/  Portland Retro Gaming Expo - October 17-19 - Oregon Convention Center, Portland, OR - https://retrogamingexpo.com/  Chicago TI International World Faire - October 25 - Evanston Public Library, Evanston, IL - https://www.chicagotiug.org/home  Schedule Published on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub  User Groups HP Handheld Conference - annual conference in the US: Website - https://hhuc.us/  YouTube channel - https://www.youtube.com/@hpcalc  HHC 2024 USB Drive - https://commerce.hpcalc.org/hhcusb.php  Handheld and Portable Computer Club - https://www.hpcc.org/  Magazines/Newsletters HPX Exchange - http://www.hp41.org/LibView.cfm?Command=List&CategoryID=9  Hewlett Packard Journal: journals - http://www.hp41.org/LibView.cfm?Command=List&CategoryID=7  contents - https://www.vcalc.net/hp-jrnl.htm#JOURNAL  Hewlett Packard Personal Calculator Digest Vol. 1, 1976 - (contents) - https://www.vcalc.net/hp-jrnl.htm#DIGEST  HP KEYNOTES - https://www.vcalc.net/hp-jrnl.htm#KEY  PPC Journal - produced by the PPC group: http://www.hp41.org/LibView.cfm?Command=List&CategoryID=14  available on USB drive from Jake Schwartz' PPC Archive - http://www.pahhc.org/ppccdrom.htm  Datafile, the HPCC club journal: https://www.hpcc.org/datafile/index.html  Back issues, excluding the current volume, are available on USB drive from Jake Schwartz - http://www.pahhc.org/ppccdrom.htm  References Wikipedia - https://en.wikipedia.org/wiki/HP-67/97#67  Museum of HP Calculators (David Hicks) - https://www.hpmuseum.org/hp6797.htm   

As Chancellor Rachel Reeves unveils her first ‘Spring Statement' your co-pilots are joined on the rocket by not one but TWO very special incumbents. Calculators and spreadsheets at the ready…Co-pilot Pearson is less than impressed with what she calls the ‘nothing to do with me guv', Budget.Stowaway economist Roger Bootle was both ‘depressed' and 'amazed' by the Statement but reveals an overwhelming feeling that the Labour Party aren't actually doing anything all that bad…And after watching the Budget co-pilot Halligan is concerned the Labour front bench is lacking in business and economic knowledge. Also on the podcast, Mike Calvey straps in for a very special interview to discuss his new book ‘Odyssey Moscow' which details his harrowing ordeal as a prisoner of the Russian State.And co-pilot Pearson has won an award…Read more from Liam: https://www.telegraph.co.uk/authors/liam-halligan/ |Read more from Allison: https://www.telegraph.co.uk/authors/a/ak-ao/allison-pearson/ |Read more from Roger: https://www.telegraph.co.uk/authors/r/rk-ro/roger-bootle/ |Read Allison: ‘If Rachel Reeves were Conservative she'd have been turfed out long ago': https://www.telegraph.co.uk/news/2025/03/25/if-reeves-were-conservative-shed-have-been-turfed-out/ |Buy Mike's book: https://www.amazon.co.uk/Odyssey-Moscow-Westerners-Encounter-Russian/dp/1803997303 |Need help subscribing or reviewing? Learn more about podcasts here: https://www.telegraph.co.uk/radio/podcasts/podcast-can-find-best-ones-listen/ |Email: planetnormal@telegraph.co.uk |For 30 days' free access to The Telegraph: https://www.telegraph.co.uk/normal | Hosted on Acast. See acast.com/privacy for more information.

Maximizing Income in Private Therapy PracticeIn this episode of Therapy for Your Money, host Julie Herres shares valuable tips on how therapists in private practice can predict their income and maximize their take-home pay. Julie explores three controllable factors in a practice: the number of sessions, the rate per session, and the percentage of income retained.By understanding personal capacity, examining historical data, and accounting for yearly variability, Julie provides concrete steps for financial planning. Additionally, she offers insights into the expected profit margins for various practice sizes and the potential impact of strategic decisions on overall profitability. Julie concludes by introducing a KPI tracker to help therapists manage their finances effectively.Show Highlights00:00 Introduction to Therapy for Your Money00:46 Today's Topic: Predicting Income and Maximizing Take-Home Pay02:51 Understanding the Three Main Levers04:12 Lever 1: Number of Sessions06:47 Lever 2: Session Rates15:48 Lever 3: Income Percentage23:20 Using the KPI Tracker27:19 Conclusion and Final ThoughtsLinks and ResourcesKPI Tracker and Calculator: https://calculator.greenoakaccounting.comMoney for Therapists Practice Startup - https://www.greenoakaccounting.com/startupGreenOak Accounting - www.GreenOakAccounting.comTherapy For Your Money Podcast - www.TherapyForYourMoney.comProfit First for Therapists - www.ProfitFirstForTherapists.comProfit First Academy - www.ProfitFirstForTherapists.com/Academy Podcast Production and Show Notes by Course Creation StudioGet our free KPI tracker to see how you practice measures up to others in the industry! www.therapyforyourmoney.com/kpi

Another Paternity Leave Installment, and with an episode title like this, you know it was bound for a return to the public feed. Patreon payments are frozen for the time being. A few resourceful new Munchies have figured out a work-around where you can join as a free member and upgrade from there to a paid account which charges you for one month and unlocks the back catalog behind the respective tier of the paywall. After that first payment, you won't be charged again until we're dropping new content (which we'll warn everyone is coming), so if you want more of this it can be had, along with access to the fully uncut episodes from 100 to present and Movie Club episodes.This week, the Randomizer blessed us with an unforgettable episode of Law & Order SVU ("Unorthodox" S9E13). It starts with an absolute bang and then careens madly between isolationist ultra-orthodox Jewish sects and porn-addicted preteens. Of course, we Munchers go even further afield as we question the existence of an upper peninsula, rank our favorite ape films, and uncover the supernatural engine that powers Casey Novak's courtroom success. This is truly an episode worth savoring. Enjoy!Sources:Shlomo Helbrans - WikipediaThe Vanishing - by Stephen J. Dubner - New York Magazine, November 23, 1992Yeshiva Torah Temimah - WikipediaOn the Rabbi's Knee - by Robert Kolker - New York Magazine, May 12, 2006Law and Order SVU's “Unorthodox's” Many Inaccuracies and Cringe-Worthy Moments - by Allison Josephs - Jew In the City, March 8, 2021Music:Divorcio Suave - “Munchy Business”Thanks to our gracious Munchies on Patreon: Jeremy S, Jaclyn O, Amy Z, Diana R, Tony B, Zak B, Barry W, Drew D, Nicky R, Stuart, Jacqi B, Natalie T, Robyn S, Christine L, Amy A, Sean M, Jay S, Briley O, Asteria K, Suzanne B, Tim Y, John P, John W, Elia S, Rebecca B, Lily, Sarah L, Melsa A, Alyssa C, Johnathon M, Tiffany C, Brian B, Kate K, Whitney C, Alex, Jannicke HS, Roni C, and Nourhane B - y'all are the best!Be a Munchie, too! Support us on Patreon: patreon.com/munchmybensonBe sure to check out our other podcast diving into long unseen films of our guests' youth: Unkind Rewind at our website or on YouTube, Apple Podcasts, or wherever you listen to podcastsFollow us on: BlueSky, Twitter, Facebook, Instagram, Threads, and Reddit (Adam's Twitter/BlueSky and Josh's Twitter/BlueSky/Letterboxd/Substack)Join our Discord: Munch Casts ServerCheck out Munch Merch: Munch Merch at ZazzleCheck out our guest appearances:Both of us on: FMWL Pod (1st Time & 2nd Time), Storytellers from Ratchet Book Club, Chick-Lit at the Movies talking about The Thin Man, and last but not least on the seminal L&O podcast …These Are Their Stories (Adam and Josh).Josh debating the Greatest Detectives in TV History on The Great Pop Culture Debate Podcast and talking SVU/OC and Psych (five eps in all) on Jacked Up Review Show.Visit Our Website: Munch My BensonEmail the podcast: munchmybenson@gmail.comThe Next New Episode Once We're Back from Adam's Paternity Leave Will Be: Season 16, Episode 14 "Intimidation Game"Munch My Benson Movie Club (for Episode 77): Captain America (1990) - on YouTubeBecome a supporter of this podcast: https://www.spreaker.com/podcast/munch-my-benson-a-law-order-svu-podcast--5685940/support.

This episode we're joined by Ray from No Filter Podcast. We discuss Matt Barnes cheating scandal (3:00), turn offs (36:10), things we aren't doing as black men (51:45), can you date outside your race? (1:01:52), and much more. Join us on Patreon ! http://Patreon.com/thegoodfellaspodcastFor more Goodfellas content subscribe herehttps://instagram.com/goodfellaspod?utm_medium=copy_linkFollow us on Instagram HostsJigga: @Jigga.___Ron: @ronnieblancoAnthony Johns: @AnthonyJohns_DJ 1-UP: @dj1upnycBrandon: @motionflicture

Welcome to Season 2 of the Holistic Homes Podcast! Season 2 is all about in depth solo content from Christine!In episode 2, Christine takes us on a deep dive about all things attics! Ventilated vs conditioned attics! In this episode, Christine goes over the pros and cons of ventilated attics vs conditioned attics.Listen to this episode to find out the nitty gritty on ventilated attics and conditioned attics, what to look out for and avoid, and specific calculations and tests you should be doing for your attic choice.In this episode, Christine chatted about:Attic type pros and cons, and specific ways to calculate for ventilated atticsR Value requirements for conditioned atticsWhy it matters to properly condition your attic for overall health and performance of the houseConnect with Christine:InstagramResources mentioned in this episode:Calculator for ventilated atticsAeroseal for conditioned atticsEcosealant for conditioned attics

Building your own Commander deck from scratch can be intimidating. It's not just about finding powerful cards. A great brew needs to strike the perfect balance.  This episode, we're here to make that task much easier with our new and improved Deckbuilding Template. We'll lay out the ideal ratios of ramp, card draw, disruption, and more, all based on The Command Zone's years of deckbuilding expertise. Whether you're an experienced player or new to the art of the brew, this is an episode you won't want to miss. -------- Support the show and become a Patron! Be a part of our community, receive awesome rewards, and more! https://www.patreon.com/commandzone -------- RAYCON: Raycon's latest model of Everyday Earbuds are better than ever! To save 20% on your entire Raycon order go to: https://www.buyraycon.com/command MANDO: Control Body Odor ANYWHERE with Mando and get $5 off your Starter Pack with promo code COMMAND at: https://mandopodcast.com/command -------- CARD KINGDOM: The Command Zone is sponsored by Card Kingdom! If you want to receive your cards in one safe package and experience the best customer service, make sure to order your Magic cards, sealed product, accessories, and more at Card Kingdom: http://www.cardkingdom.com/command  ARCHIDEKT: Discover, build, catalog, and playtest on Archidekt, the deck-building website that makes it easy to brew brand new lists or manage your old favorites. Go to http://www.archidekt.com/commandzone to get started today!  ULTRA PRO: Huge thanks to Ultra PRO for sponsoring this episode! Be sure to check out their amazing APEX sleeves and super classy MANA 8 product line. If you want to keep your cards protected and support the show, visit: https://ultrapro.com/command -------- Relevant Links: The NEW Commander Deck Building Template | The Command Zone 379: https://www.youtube.com/watch?v=3K9PEeLG_6M Do This One Thing to Win More Games | How to Playtest | The Command Zone 596: https://www.youtube.com/watch?v=swjL6prGShE Frank Karsten: Twitter: @karsten_frank How Many Lands Do You Need in Your Deck? An Updated Analysis, by Frank Karsten: https://tinyurl.com/how-many-lands Aetherhub Hypergeometric Calculator: https://aetherhub.com/Apps/HyperGeometric The Ultimate Guide to Lands | The Command Zone 455: https://www.youtube.com/watch?v=Hg7nFiDNeHs Salubrious Snail's Calculators: https://www.salubrioussnail.com/calculators Salubrious Snail's Manabase Tool: https://www.salubrioussnail.com/manabase-tool Aetherdrift's Best Cards (In the 99) | The Command Zone 656: https://youtu.be/Yh0MkQcaPS0 Advanced Deckbuilding: Mastering Your Mana Curve | The Command Zone 453: https://youtu.be/LB6HotI0ntI -------- Follow us on TikTok: @thecommandzone Follow us on Instagram: @CommandCast Follow us on Bluesky: @commandcast.bsky.social Follow us on Twitter: @CommandCast @JoshLeeKwai @jfwong @wachelreeks Follow us on Facebook: https://www.facebook.com/commandcast/ Email us: commandzonecast@gmail.com -------- Commander Rules and Ban List: https://magic.wizards.com/en/banned-restricted-list -------- Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Beaus Bacon and Bridges balance boba balls on Mr. Fett as these many intros will keep you company on the way to dreamland.Start a 7 day FREE trial of Sleep With Me Plus- The ultimate way to listen to show, based on how YOU listen! Get your Sleep With Me SleepPhones. Use "sleepwithme" for $5 off!!Are you looking for Story Only versions or two more nights of Sleep With Me a week? Then check out Bedtime Stories from Sleep With MeLearn more about producer Russell aka Rusty Biscuit at russellsperberg.com and @BabyTeethLA on IG.Show Artwork by Emily TatGoing through a hard time? You can find support at the Crisis Textline and see more global helplines here.HELIX SLEEP - Take the 2-minute sleep quiz and they'll match you to a customized mattress that'll give you the best sleep of your life. Visit helixsleep.com/sleep for up to 20% off and 2 free pillows!ZOCDOC - With Zocdoc, you can search for local doctors who take your insurance, read verified patient reviews and book an appointment, in-person or video chat. Download the Zocdoc app to sign-up for FREE at zocdoc.com/sleep PROGRESSIVE - With the Name Your Price tool, you tell Progressive how much you want to pay for car insurance, and they'll show you coverage options that fit your budget. Get your quote today at progressive.comANKER SOUNDCORE - Anker's Soundcore A20Earbuds monitor your sleep status and deliver visual reports to help you understand your sleep patterns and optimize rest. And they block noise for a quieter sleep! Go to Soundcore.com and use code "SLEEP" (all caps) for $30 off.DAVE'S KILLER BREAD - Dave's Killer Bread is kicking off their inaugural Rock Your Reset! Throughout January, SMS subscribers can win epic sweepstakes prizes like VIP concert prize packs! To enter, text RESET to 73876. Head to DavesKillerBread.com/reset to learn more.ACORNS - Acorns makes it easy to start automatically saving and investing so your money has a chance to grow for you, your kids, and your retirement. Acorns will recommend a diversified portfolio that fits you and your money goals, and you can get started with even just your spare change! Head to acorns.com/sleep to learn more. (Paid non-client endorsement. Compensation provides incentive to positively promote Acorns. Tier 1 compensation provided.Investing involves risk. Acorns Advisers, LLC, an SEC-registered investment adviser. View important disclosures at acorns.com/sleep) Learn about your ad choices: dovetail.prx.org/ad-choices