Podcasts about Calculator

In this episode, Monika examines the problems in the way insurance is sold in India and the changes proposed by IRDAI in its September 23 consultation paper. She looks at the high costs of running the insurance business, the growth in distributor commissions, and why incentives can sometimes favour selling a policy rather than ensuring it is right for the customer. She also explores proposals around expense and commission caps, commission disclosure, salesperson accountability and defining mis-selling, while emphasising that these are proposals and not yet final rules.She explains why insurance needs to move from a system focused on premium collection towards one that also rewards good advice and ongoing service. She also encourages policyholders to respond to the consultation process with their own experiences and suggestions, particularly around mis-selling and claims. The larger question is what an insurance industry genuinely designed around the policyholder should look like.In the listener questions, Anonymous asks how to park her savings for a future plot or villa and whether she should continue using debt funds or consider equity for a longer-term home goal; Navas from Puducherry asks how to help his daughter begin investing with the money she has earned and how to choose a fee-only financial planner; and Avinash from Jaipur asks how to invest a large windfall bonus safely for 1–2 years while he looks for a home, with the aim of protecting his capital and keeping pace with inflation.Chapters:(00:00–00:00) Why India's Insurance System Needs a Reset(00:00–00:00) Making Insurance Sellers Accountable to Policyholders(00:00–00:00) How Should You Invest for a Future Home Purchase?(00:00–00:00) How Can You Teach Your Children to Invest?(00:00–00:00) Where Should You Invest a Property Down Payment for Two Years?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

In this episode, Rob Reynolds (CIO, Orange County, North Carolina) talks about coming from a big Navy family. His dad served in Underwater Demolition Teams (UDTs), the unit Rob calls the first Navy SEALs, and in the '60s his team was first out to the space capsules to get the astronauts out. Rob followed his dad into the Navy, then spent about 30 years in IT, including 2 turns as a CISO.Rob shares what happens when you give people the tools, from the AI sandbox behind a staffer's tax calculator idea, to users trained to flag the message that looks like it came from Rob, to a $10M ARPA broadband buildout that has people calling Rob to say thank you.Orange County also placed #8 in its population category (150,000–249,999) in the 2026 Digital Counties Survey from the Center for Digital Government and NACo, recognition Rob credits to his team's work modernizing county services.Timestamps0:00 A Commodore VIC-20 at age 12, then 2x CISO, now county CIO1:24 His dad's UDT team got astronauts out of Gemini-era capsules11:36 An OpenAI Teams subscription, branded as the county's AI Innovation Lab13:44 Copilot Chat for every county user, and learning circles next17:04 The AI tax calculator: a former tax staffer's idea, live in 1 day25:33 When "Rob" asks for gift cards, users know to raise their hand26:36 An annual cyber survey, timed to October, sets the quarterly training28:19 Even when AI is battling AI, it all goes back to people31:31 Short training, no jargon, and CISA lunch-and-learns for staff32:29 The $10M ARPA broadband buildout reaching about 6,000 unserved homes33:52 The calls Rob gets from families whose kids can now do classes online36:52 Why Rob still remembers the names of people who pulled him upConnect with the Guests

A settlement can look equal on paper and still leave you wondering how you'll pay the bills. In this episode of We Chat Divorce, Karen Chellew and Catherine Shanahan walk through a hypothetical couple's proposed division of $2 million in assets. Each person receives $1 million—but one keeps the house while the other receives most of the retirement savings. What will each need to live on after the divorce? Karen and Catherine discuss the costs of keeping a home, the difference between asset value and available cash, and why a monthly budget matters before you agree to a settlement. They also look at how bills paid during the divorce can obscure your actual expenses, and why refinancing plans and retirement accounts deserve a closer look. Before you sign, ask: Can I cover my everyday expenses, handle an unexpected cost, and still plan for the future? Download the episode handout: https://mydivorcesolution.com/divorce-settlement-can-you-afford-to-keep-the-house-after-divorce/ Learn how the MDS Financial Portrait™ helps you understand the financial trade-offs in a proposed settlement at MyDivorceSolution.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Monika looks at how cyberfraudsters exploit two powerful human emotions: fear and greed. She explains how scams such as digital arrest, fake KYC alerts and fraudulent investment opportunities create urgency and pressure people into acting without thinking. She shares simple rules for slowing down, verifying information independently and refusing to let a stranger take control of your next financial decision.She also explores how a personal financial system can protect you from the temptation of easy money. From separating money for everyday spending, emergencies and long-term goals to creating a 24-hour rule for unsolicited investment opportunities and automating good financial habits, she explains how preparation can make you harder to exploit. The central message is simple: when you are afraid, pause and verify; when you are excited about making money, pause and check whether the opportunity actually fits your financial plan.In the listener questions, Seefa A from Kerala asks how to choose between a SEBI-registered investment adviser and a mutual fund distributor, whether health insurance should be bought through an agent, and what to do about an existing regular mutual fund plan; Jayesh Shah asks how to structure his asset allocation and SIPs across short-term, children's education and retirement goals; and Sanjeev Samtani asks how to protect his family's financial security and investments when geopolitical tensions and war create uncertainty.Chapters:(00:00–00:00) Investing in Turbulent Times: Building a Portfolio That Can Survive a Crisis(00:00–00:00) Should You Invest While Paying Off a Loan?(00:00–00:00) How Should You Align Investments With Your Financial Goals?(00:00–00:00) Should You Hire a Financial Adviser or Manage Your Portfolio Yourself?(00:00–00:00) How Should You Protect Your Money During a War or Crisis?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

Is Ajijic retirement hot?Puerto Vallarta gets most of the attention when gay men talk about retiring in Mexico.But what if the perfect gay vacation destination isn't the perfect gay retirement destination?We're currently in Ajijic, Mexico, extending our Mexican residency from one year to three years and seriously considering spending the first four months of our move to Mexico right here.So we're asking:Is Ajijic retirement hot?In this episode of Queer Money®, we're sharing 5 reasons Ajijic has become one of the most interesting retirement destinations in Mexico for us, plus 3 reasons it might make you say absolutely not.And we're doing it from Ajijic based on what we're actually experiencing.

Keeping score of repeated offenses destroys forgiveness. Jesus' call to forgive "seventy times seven" abolishes the calculator of revenge. Because Christ canceled our infinite debt on the cross, we must extend His immeasurable grace and forgive others without counting!

Friday Night Football At Huish Park and this is a special match day edition of the Gloverscast. FGCQC Rob Manley and Car Parking enthusiast Abby Carter chat all things Aldershot and Solihull plus take your GCQs - A massive thank you to our Voicenote contributors too. Hosted on Acast. See acast.com/privacy for more information.

Where should you actually retire abroad? Maybe you should stop vacationing there first.Seven days of hotels, restaurants, sightseeing and cocktails tells you whether you like a vacation destination. It doesn't tell you whether you'd enjoy buying groceries, finding a doctor, navigating public transportation and doing absolutely nothing on a Saturday there.And it definitely doesn't tell you what it feels like to live there as a gay person when Pride isn't happening.In this episode of Queer Money®, we're ranking the 5 best gay-friendly countries for slow travel, especially for Americans who may secretly be test-driving their future retirement.We started with more than 40 countries recommended by experienced slow travelers and put them through the Queer Money Slow Travel Test: LGBTQ+ friendliness, staying power, ease of everyday life, healthcare access and the ability to experience multiple potential retirement lifestyles.And our #2 country surprised even us.

If you're good at math, you probably have no original opinions. Anyone can solve a problem that someone else solved first, but not everyone can develop a totally and completely unique point of view. Some of us were actually born interesting! Adam and I agree that it's actually perfectly fine and completely normal to pull out your calculator to confirm the tip on the bar tab.Then we get into the good, the bad, and the ugly: moving in with a partner and building a space together, moving in with a partner and exposing your worst habits, and the rats of the sky (pigeons, duh!)THERE'S MORE WHERE THAT CAME FROM:SUBSCRIBE TO THE NEWSLETTER:Substack: @samgeorgsonFOLLOW THE PODCAST:Instagram: @pessimisticatbestTikTok: @pessimisticatbestFacebook: @pessimisticatbestWebsite: pessimisticatbest.comFOLLOW SAM:Instagram: @samgeorgsonTikTok: @samgeorgsonYouTube: @samgeorgsonWebsite: samanthageorgson.com

Most retirement calculators assume your money needs to last until age 95. But if you're 55 years old today, average life expectancy is actually 79 for men and 82 for women. This single hidden assumption could mean the difference between retiring five years earlier or leaving millions unspent. Key Topics Discussed 00:00:00 - Introduction: The Hidden Assumption Brad introduces the concept that retirement calculators make an invisible assumption about longevity—typically planning to age 90-95—and explains why this matters for financial independence planning. 00:05:30 - Why Planning to 95 Is the Default Dr Bobby Dubois and Aubrey Williams explain why financial advisors default to age 95, the fear of running out of money, and how this ignores the risk of over-saving and under-living. 00:12:00 - Layers of Financial Conservatism Brad discusses multiple layers of conservative assumptions in retirement planning: lower returns, lower withdrawal rates, zero Social Security, and now longevity assumptions. 00:15:45 - Real Life Expectancy Numbers Dr Bobby provides actuarial data showing average life expectancy from birth (71-76) versus age 55 (79-82), and the probability of reaching age 90. 00:21:00 - The Financial Impact of Longevity Aubrey presents modeling showing how nest egg requirements change dramatically based on longevity assumptions—from $714K at age 79 to 41% higher at age 90. 00:28:30 - Dynamic Planning and Annual Updates Discussion of how mortality-adjusted planning changes over time and why annual plan updates are essential rather than lock-and-load strategies. 00:35:00 - Tools to Estimate Your Longevity Dr Bobby outlines practical methods: actuarial calculators, family history, cardiovascular risk calculators like the AHA Prevent tool, and genetic testing including APOE for dementia risk. 00:45:00 - Biological Age vs Chronological Age Discussion of biological clock testing and why these tests aren't ready for prime time, despite heavy marketing in the longevity space. 00:50:00 - Extending Your Healthspan Dr Bobby covers evidence-based interventions to reduce risk of heart disease and dementia: exercise, sleep, blood pressure control, weight management, and avoiding smoking. 00:58:00 - Wrap-up and Resources Final thoughts on updating assumptions, where to find Dr Bobby and Aubrey, and invitation for community feedback on future analysis scenarios. Notable Quotes Brad Barrett: "Every financial calculator has to make assumptions... but there's one assumption that's almost never discussed, even though it might be the single biggest one in the entire model. How long does your money need to last?" Dr Bobby Dubois: "The nest egg you need depends a lot on how long you're going to live. Imagine you're sixty-five and you're only going to live five years. Well, you don't need a whole lot of money. Imagine you're sixty-five and you're going to live to be one hundred five." Aubrey Williams: "Planning to ninety-five does answer one question, but by far, it's not the only question we should be looking at... it completely ignores the opposite risk that we live a shorter life and either we've saved too much, worked too long or spent too little." Dr Bobby Dubois: "If you are 60, what's the likelihood you'll live to be 90? For men, it's about a third, meaning two thirds won't. Women, it's about half might live to be 90." Aubrey Williams: "If hitting FI at 65, you live to age 79, you need $714,000. But if you live to 90, 11 years longer, then that nest egg needs to be 41% higher." Key Takeaways Calculate your own life expectancy using actuarial tools from the Society of Actuaries rather than accepting calculator defaults of 90-95 Research your family history of longevity—genetics account for roughly 50% of how long you'll live, especially for those reaching 100+ Use the American Heart Association's Prevent calculator to assess your 10-year and 30-year cardiovascular disease risk Consider genetic testing for APOE status to understand dementia ris…

What if building a parenting plan and calculating annual overnights didn't require hours of arguments, spreadsheets, and competing calculations?In Episode 161 of MediateThis!, Matthew Brickman introduces the iMediate Time-Sharing Calculator, a parental time-sharing schedule planner and parenting plan builder created from his real-world experience as a family mediator.The idea came after a six-hour mediation where nearly half the session was spent with attorneys debating the number of overnights created by a negotiated parenting schedule. Matthew set out to build a faster, clearer way to calculate time-sharing and compare parenting plan options.Matthew walks through how the calculator helps parents, mediators, and family law professionals create customized weekday and weekend schedules, assign holidays and school breaks, compare multiple parenting-time scenarios, calculate annual overnights and percentages, and generate printable color-coded calendars.The calculator can accommodate traditional schedules such as 2-2-3 and week-on/week-off arrangements, as well as customized rotations, summer schedules, holidays, religious observances, and other family-specific needs. It also provides exact overnight totals that can be used when working through child support calculations.Explore the iMediate Time-Sharing Calculator:https://app.ichatmediation.com/SCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School. 

Fr Eamonn McCarthy and Matthias Conroy reach chapter three of Magnifica Humanitas, and the paragraph where Pope Leo XIV observes that these systems are more cultivated than built, and that nobody, the people who make them included, quite knows how they work. Matthias tells what happened when a model built for cybersecurity was set twenty targets and worked out that the shortest route was to attack the company holding the answers. If you take one paragraph away from the hour, Fr Eamonn says, take 99. Feedback and questions: info@radiomaria.ie, or by text or WhatsApp to +353-89467-2000. L'articolo The Same Order as a Calculator, Not the Same Kind as a Mind – Magnifica Humanitas – Church Wisdom with Fr Eamonn McCarthy & Matthias Conroy proviene da Radio Maria.

Mortgage rates today are reacting to a blowout jobs report that just shifted the odds of a Federal Reserve rate hike in 12 days, with CPI and PPI inflation data still to come next week. Housing market news and Federal Reserve analysis, explained in plain English by a licensed mortgage loan officer with 38 years in the business. No hype. Just real data and practical next steps.

Antimicrobial stewardship has traditionally focused on optimizing antibiotic use to improve patient care, but growing attention to environmental sustainability is expanding how stewardship teams think about resource use. From the plastic waste generated during medication preparation and administration to opportunities to incorporate environmental considerations into antibiotic selection, stewardship offers a natural opportunity to address both clinical and environmental priorities.Dr. Pam Lee and Dr. Gary Fong developed EcoRxChoice.com, a free calculator designed to integrate environmental metrics into antimicrobial stewardship. The calculator estimates the amount of plastic waste associated with different antimicrobial regimens by accounting for materials used in medication preparation and administration. In their paper published in ASHE, "EcoRxChoice.com— an SIDP-funded calculator integrating environmental metrics with antimicrobial stewardship," the authors describe how they developed the calculator, including physically weighing items ranging from IV bags and tubing to needle hubs and medication packaging.In this episode, Dr. Lee and Dr. Fong discuss the origins of EcoRxChoice.com, the surprising amount of plastic waste generated through routine medication preparation, and how environmental impact can be incorporated into antimicrobial decision-making. They also explore the role of IV-to-oral conversion, the challenges of integrating sustainability into pharmacy and medical education and electronic medical records, and future opportunities to expand the calculator to other areas of stewardship and infection prevention.Links and Recommendations:EcoRxChoice.com— an SIDP-funded calculator integrating environmental metrics with antimicrobial stewardship: https://www.cambridge.org/core/journals/antimicrobial-stewardship-and-healthcare-epidemiology/article/ecorxchoicecom-an-sidpfunded-calculator-integrating-environmental-metrics-with-antimicrobial-stewardship/83C55C51C9C446C4728FF1980CD2EC14https://ecorxchoice.com/?page=plasticWasteCalculator Development of a Novel Carbon Emissions Estimation Tool for Disposable Waste Associated With Antimicrobial Packaging, Preparation, and Administration in the Hospital Setting: https://academic.oup.com/ofid/article/12/10/ofaf308/8183152

Mortgage rates jumped from 5.9% to 6.9% since the Iranian conflict began, and I break down the Fed data, jobs report, and oil prices driving the move, plus what it costs your purchasing power.

In this episode we answer emails from Geraldo, Mark, and Zack.  We revel again in their generosity, talk through reinvesting a big cash balance, setting up liquidity backstops with brokerage collateral, and using variable retirement withdrawal rules and a Portfolio Charts calculator to model the Bob Clyatt 95% rule with a Golden Ratio style portfolio.Links:Father McKenna Center Donation Page (please mention Risk Parity Radio in the comment section with your donation):  Donate - Father McKenna CenterPortfolio Charts Retirement Spending Calculator:  Retirement Spending – Portfolio ChartsMorningstar Report with Variable Withdrawal Strategies Analysis:  Morningstar State_of_Retirement_Income_2025.pdf - Google DriveBreathless Unedited AI-Bot Summary:Cash feels comforting until it turns into quicksand. We start with a listener who sold a home, parked the proceeds, and now feels stuck watching markets and wondering if buying Treasuries “right now” is a mistake. We share the simplest antidote we know: stop waiting for perfect and start using a calendar. When your goal is a durable long-term asset allocation, a schedule-based reinvestment plan can beat fear-based timing, even when the news is trying its hardest to make you panic. Next we get tactical about liquidity. We unpack the real-world tradeoffs between a securities-backed line of credit (SBLOC) and a margin loan inside a brokerage account, including the little frictions people only learn after they call their custodian. The bigger idea is creating a backstop so you don't have to keep oversized emergency cash or “just in case” bond piles. We also compare these tools to a HELOC and why credit secured by a sizable brokerage account may be less likely to disappear when markets get ugly. Then we pivot to two themes that make the whole plan worth doing. First, Dolly Parton as an example of emulable generosity, not just talent or fame, and why what you do with your resources matters as much as how you grow them. Second, retirement withdrawal strategies: we answer a question on the Bob Clyatt 95% rule, variable spending, and how to model a golden ratio style portfolio using the Portfolio Charts retirement spending calculator. If you want clearer next steps for risk parity style diversification, retirement planning, and spending rules that flex without falling apart, hit play, then subscribe, share the episode, and leave a review.Support the show

Mortgage rates jumped toward 7% this week while a weak jobs report just moved the bond market. I break down why oil prices, inflation, and today's Fed data are pushing your rate around, plus how much house you can actually afford right now.

Learn how to measure your retirement progress when you have a pension and figure out how much more you really need to save. How do you know if your pension actually has you covered for retirement — or if you still need to keep saving aggressively alongside it? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola sit down with Anna, a journeyman electrician in Portland whose union job comes with a defined benefit pension — yet she isn't sure whether that's enough to retire at 60. They explore how to account for a pension when gauging your retirement progress, why pension projections can be tricky when work hours vary, how to use the three-bucket framework (guaranteed income, invested accounts, and cash reserves) to see where your plan stands, and how Social Security projections could help you figure out exactly how much more you need to save. Pension Plan vs. 401(k): Types, Pros & Cons: https://www.nerdwallet.com/retirement/learn/pension-plan  How Long Will My Money Last in Retirement? Calculator, How to Stretch It: https://www.nerdwallet.com/retirement/learn/how-long-will-your-retirement-savings-last  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header  To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mortgage rates today are under pressure after Brent crude broke $90 a barrel, and the Federal Reserve just put a rate HIKE back on the table. Here is what moved, what it costs, and what I am telling my clients to do about it.Updated for Monday, August 31, 2026 — Mortgage bonds opened down 15 on oil and Middle East conflict, pushing mortgage rates toward 6.85% and possibly 7%. PCE inflation sits at 3.7% against the Federal Reserve's 2% target, with 54% of the basket running over 3% versus 32% before the pandemic. Inflation has now been above target for 64 straight months. Meanwhile 23,000 jobs were lost in July and May–June revisions erased another 103,000 — and the Fed said plainly it is focused on inflation, not jobs.Here is the part almost nobody explains to homebuyers: the Federal Reserve can raise rates and your mortgage rate can still go down. The Fed sets short-term interbank lending. Mortgage rates track the 10-Year Treasury. If bond investors believe a hike will actually control inflation, long-term yields can fall even while the funds rate rises. That mechanism is walked through at 06:40.What I am telling clients: if you are under contract, lock your mortgage rate. I cannot price around another drone strike. If you are not under contract yet, watch two things — oil and inflation. Oil back under $70 and holding is when the Federal Reserve gets room to cut and mortgage rates can finally come down. Oil at $120 is a very different conversation for the housing market.CHAPTERS00:00 Oil Just Broke $90 — Here's Why That Hits Your Rate00:39 The Chart I Check Every Morning Before Quoting a Rate01:21 What the Federal Reserve Actually Watches01:46 Inflation at 3.7% When the Target Is 2%01:59 The Data This Week That Can Move Mortgage Rates02:40 103,000 Jobs Gone — And the Fed Says It Doesn't Care04:06 The Jackson Hole Speech, Translated06:20 The Odds of a Hike Just Changed06:40 Why a Fed Hike Doesn't Have to Raise Your Mortgage Rate08:31 Lock or Float: What I'm Telling Clients Right Now10:04 Rate Watch, Loan Estimate Review and DIY Mortgage11:16 What to Watch NextNEXT STEPS

This week I talk about why writing with AI isn't the same as using a calculator for math — financier Stanley Druckenmiller defended his AI-written WSJ critique of Scott Bessent by calling it "using a calculator," and I break down why that misunderstands math, calculators, and words. Then the unraveling of Ashley Flowers' true-crime podcast empire, and what a founder pulling 3 a.m. alarms on weekends and holidays has to teach any solopreneur who thinks no one else can do the work, plus a recommendation for Epic Rap Battles of History's new Tom Cruise vs. Evel Knievel on YouTube. Plus this week's systems tip: why the Stream Deck runs my entire show.Links:'I'm not embarrassed by it' says billionaire investor who used AI for WSJ critique of Scott Bessent (Yahoo Finance)The Unraveling of Podcaster Ashley Flowers' True Crime Empire (Bloomberg)Epic Rap Battles of History: Tom Cruise vs Evel KnievelThe Stream DeckThese episodes are about taking more time off — especially on the weekends. The best way you can do that is by having a good system. If you're not sure where to start, head over to https://streamlined.fm/quiz. Answer a few questions, and I'll send you exactly where you should start to build a less overwhelming business.Do you have something on your mind? Let me know at https://streamlinedfeedback.com. You can write in, or leave a voice note. I might even play it on the show.View the episode transcript 0:00 Why AI Writing is Not Like a Calculator5:30 Recommended Reading: The Limits of Building an Empire9:46 Something Fun: Epic Rap Battles of History11:21 How a Stream Deck Can Save You Time————Streamlined Solopreneur helps overwhelmed solo business owners go from overwhelmed to having their time back.Each week, Joe Casabona shares one practical idea — a system, tool, or strategy to help you get your time back without selling your soul to AI...and run your business without sacrificing the rest of your life, or your health.Looking for a place to start? Take the Solo Systems Starter Quiz. 60 seconds, 8 questions, and I will tell you what system you should build first, and exactly how to build it. https://streamlined.fm/quiz Connect with Joe on LinkedIn: https://www.linkedin.com/in/jcasabona/Disclosure: these show notes were generated from the transcript and written newsletter, using a very strict format for how it's all put together.

Mortgage rates today are moving as Federal Reserve Chairman Kevin Warsh speaks live from Jackson Hole. In this episode I explain what Jackson Hole is, why Warsh's comments move mortgage rates, and what this week's inflation, jobs, and GDP data mean for homebuyers, homeowners, and realtors.In this episode:- What Jackson Hole is and why Fed Chairman Kevin Warsh's speech can move your mortgage rate today- This week's data recap: consumer confidence, new home sales, PCE inflation, the GDP revision, and jobless claims- Why oil prices and the Iran conflict are directly tied to mortgage rate swings- What's coming next week: JOLTS job openings, ADP payrolls, jobless claims, and the government jobs report- Fed meeting odds for the next meeting in 19 days, plus the rate forecast into next year- The two things I'm telling homebuyers and realtors to watch right nowMore rate breakdowns and housing market updates on the blog: https://solvitmortgage.com/resourcesCHAPTERS0:00 What Is Jackson Hole and Why It Moves Mortgage Rates1:13 Today's Rate Chart and Market Snapshot2:44 This Week's Economic Data: Inflation, GDP, Jobless Claims4:05 Next Week's Calendar: Jobs Report, JOLTS, ADP Payrolls5:18 Fed Meeting Odds, Oil, and What Homebuyers and Realtors Should Do NowAPPLY NOW, One Application, 30+ Lenders Competehttps://solvitmortgage.my1003app.com/2753203/register?lang=enREQUEST A FREE CONSULTATIONhttps://go.oncehub.com/solvitmortgagealanJOIN RATE WATCH, FREE Rate Monitoringhttps://solvitmortgage.com/resources/todays-ratesTOP RESOURCESTRU Mortgage Command Center, Live Rate Dashboardhttps://command.therateupdate.com/Mortgage Calculators and Toolshttps://stan.store/TRU-FoundationsGuides, Calculators and Answershttps://solvitmortgage.com/resourcesAsk Dan a Questionhttps://www.therateupdate.com/contactFOLLOW THE RATE UPDATEYouTube: https://www.youtube.com/@TheRateUpdatewithDanFrioInstagram: https://instagram.com/therateupdateTikTok: https://tiktok.com/@therateupdateIf this helped you understand what's happening with mortgage rates, subscribe and turn on notifications so you catch the next update.#MortgageRates #JacksonHole #FederalReserve #HousingMarket #RefinanceDISCLAIMERDan Frio | NMLS #246527 | TRU Mortgage Team / PBT Bancorp | NMLS #257781 | Equal Housing Lender524 Main St, Hazard, KY 41701NMLS Consumer Access: https://www.nmlsconsumeraccess.org/This channel is for education and commentary only. Topics may include mortgage rates, real estate, housing, stocks, bonds, cryptocurrency, inflation, the Federal Reserve, and financial markets.All opinions are my own and do not represent PBT Bancorp, TRU Mortgage Team, or any financial institution I may be employed by or affiliated with.Nothing on this channel is an offer to lend, a commitment to lend, or financial, legal, tax, or investment advice. Mortgage rates, terms, approvals, and programs are subject to borrower qualifications, market conditions, underwriting approval, and change without notice. Not all borrowers will qualify.

Most therapists can rattle off every diagnostic code without blinking, but ask about their break-even number and things get quiet. Those are exactly the financial blind spots we're unpacking in this episode of The Traveling Therapist Podcast. I sit down with Rob Freels, founder of FreeRivers CFO Advisory, who spent 25 years across banking, auditing, and 16 years as a CFO before turning his attention to healthcare and mental health practice owners.Rob breaks down where money actually disappears before it ever hits your bank account, why those losses hit harder the bigger your practice gets, and the one number he says matters more than revenue or profit. If you've ever felt like your finances are a mystery you don't have time to solve, this conversation gives you a place to start.In This Episode, We Explore…The invisible fees eating into your revenue before it ever hits your account.Why those percentages get more expensive the bigger your practice grows.The one financial metric Rob says matters more than revenue or cash flow.How to know when it's time to bring in more than a bookkeeper.A free calculator that shows you exactly where you stand.Connect with Robert Freels:Website: https://freeriverscfo.com/ LinkedIn: https://www.linkedin.com/in/robfreels/ Free Break-even Calculator: https://freeriverscfo.com/tolson Are you ready to take the plunge and become a Traveling Therapist? Whether you want to be a full-time digital nomad or just want the flexibility to bring your practice with you while you travel a couple of times a year, the Portable Practice Method will give you the framework to be protected! ➡️ JOIN NOW: www.portablepracticemethod.com/Connect with me:www.instagram.com/thetravelingtherapist_kymwww.facebook.com/groups/onlineandtraveling/www.thetravelingtherapist.comThe Traveling Therapist Podcast is Sponsored by:Berries: Say goodbye to the burden of mental health notes with automated note and treatment plan creation! www.heyberries.com/therapistsAlma: Alma is on a mission to simplify access to mental health care by focusing first and foremost on supporting clinicians www.helloalma.com/kym

Your app or online calculator is likely wrong about calories for fat loss.It can be off by a few hundred calories, and your wearable is even worse. We challenge typical advice by showing how inaccurate maintenance calorie estimates can derail your fat loss before it even starts. I share my 7-week runway that uses consistent tracking to measure your real energy needs so you can execute a calorie deficit with confidence instead of guesswork. Why calculator-based maintenance calories can be off by hundredsHow activity multipliers and wearable calorie burn estimates amplify the errorWhy self-logged intake commonly gets underreportedThe intake-balance method to back-calculate true energy expenditureA 7-week pre-fat loss structureProtein and carb adjustments that support recovery and better training What to do if expenditure trends up, stays flat, or trends downIf you want your next fat loss phase to be the first one you don't have to "guess" your way through, hit play!Join Eat More Lift Heavy, my 26-week coached program for 40+ to build the nutrition and training skills to preserve muscle, lose fat, and manage your physique for life:https://eatmoreliftheavy.comUse code 500CLUB at checkout for $50 off either six-month option through Sunday, September 6Timestamps:0:00 - Why your fat loss calories are wrong before you start 4:32 - 9 weeks of effort with nothing to show for it 6:50 - What a calculator knows about you vs. what it doesn't 8:38 - Why your wearable or watch is terrible at estimating calories 10:01 - What food logging research says about calorie intake 12:24 - Measuring your expenditure from your own body 14:47 - Working through the fear of eating more 17:10 - Weeks 1 and 2, logging without changing anything 20:56 - Weeks 3 and 4, bringing your intake up 22:21 - Weeks 5 through 7, holding it steady 23:29 - Reading your expenditure trend at week 7 29:22 - Bonus: 2-week logging protocol and the weekend gapEpisode Resources:Try MacroFactor - the app I use for expenditure tracking. Use code WITSANDWEIGHTS for two weeks freeTry Fitness Lab - my AI coaching app, now with full meal coaching and 20% off exclusive to podcast listeners

What do USDA's new tillage classifications mean for your farm and your Carbon Intensity (CI) Score?In Episode 103 of the CI Chit Chat, Continuum Ag Founder & CEO Mitchell Hora is joined by Sales Agronomist Dale Lyons as they take a closer look at USDA's new CI Calculator, including a discussion on tillage classifications and what they mean for your farm and your CI Score.During this episode, you'll learn:- How USDA classifies different tillage practices- How tillage can impact your CI Score- Common questions farmers are asking about the new CI Calculator- What these updates could mean for 45Z and future low-carbon grain opportunitiesThe CI Chit Chat is a weekly discussion where we cover Carbon Intensity, CI Scores, CI Certification®, the 45Z Clean Fuel Production Credit, and the latest developments impacting farmers, ethanol producers, grain buyers, and the future of low-carbon agriculture.

CLEARANCE GRANTED... WELCOME, AUTHORIZED PERSONNEL... SCRIPT BASED ON ORIGINAL ENTRY BY A Fat Ghost: www.scp-wiki.net/scp-168 License: creativecommons.org/licenses/by-sa/3.0/ ---- The voice of the Database was provided by Joshua Alan Lindsay. The voice of Dr. Howard was provided by Jerry Maynard. ---- Sound Credits "air-conditioning_hotel-room.mp3" by geodylabs of Freesound.org [CC BY 3.0] "Calculator Plastic Keypad Hand Held ODY-0522-01.wav" by Mark Mangini, Richard L. Anderson / PSE All other sounds are original to this production or in the Public Domain. ---- The outro music was written by Joshua Alan Lindsay. ---- Enjoy the podcast? Consider supporting us on Patreon! Patrons get access to bonus Joke episodes, outtakes, exclusive merch, and can even request episodes on specific SCP objects. www.patreon.com/thescpfoundationdatabase Listen and read along in one place on our website: www.scpdatapodcast.com/episodes/scp-168 Follow us on Twitter: twitter.com/SCPDataPodcast Like us on Facebook: www.facebook.com/scpdatapodcast Questions or comments? Email us at SCPDataPodcast@gmail.com

Astrophysicist Adam Becker, author of "What Is Real?", joins Tim Scarfe to take apart the futures Silicon Valley keeps selling: the 2045 singularity, mind uploading, Mars colonies, and the AI apocalypse. His new book *More Everything Forever* argues these ideas are hugely influential, mostly evidence-free, and bankrolled by tech billionaires who need a story in which growth never ends.Becker does the physics the boosters skip. Kurzweil's "law of accelerating returns" rests on cherry-picked data, and every exponential ends. Grant Bezos his perpetual energy growth and humanity boils the oceans within a few centuries, then exhausts the observable universe in under 4,000 years. The stars are too far away, Mars dirt is poison, and the day the dinosaur-killing asteroid hit Earth was still nicer than any day on Mars. On AI, Becker calls LLMs pocket calculators for language: hallucination is the model doing exactly what it always does, and the intelligence explosion assumes intelligence is a single number you can buy with compute.The sting is that Becker thinks the doomers are sincere. Yudkowsky, Bostrom and the effective altruists are not grifters, he says, just wrong, and their warnings that AI could end the world feed the same growth story the money depends on. He closes with his own prescription: take social problems seriously, regulate the whole tech industry, and tax billionaires out of existence.---TIMESTAMPS:00:00:00 Cold open and the thesis of More Everything Forever00:04:24 Kurzweil's singularity and the physical limits of exponential growth00:14:02 High agency and the fantasy of imprinting humanity on the cosmos00:16:55 Mind uploading, functionalism, and embodied cognition00:24:24 AI psychosis and anthropomorphizing LLMs00:26:24 Calculators, hallucination, and the limits of scale00:32:20 Yudkowsky and the intelligence-explosion argument00:40:37 True believers, venture capital, and the sci-fi growth narrative00:47:21 From Extropians to EA: utilitarianism and longtermism00:53:50 Brain worms and Becker's prescription: take social science seriously00:56:49 Why the AI-ethics discourse is broken01:01:42 The eugenics and IQ argument against 'intelligence'01:06:07 Why space settlement fails: Mars, the moon, and orbital data centers01:10:42 Billionaire myths and the search for purpose01:13:38 Tax billionaires, regulate tech: closing prescriptions---REFERENCES:book:[00:00:07] More Everything Forever (Adam Becker, 2025)https://www.hachettebookgroup.com/titles/adam-becker/more-everything-forever/9781541619593/[00:00:15] What Is Real? (Adam Becker, 2018)https://en.wikipedia.org/wiki/What_Is_Real%3F[00:15:46] What We Owe the Future (Will MacAskill, 2022)https://www.hachettebookgroup.com/titles/william-macaskill/what-we-owe-the-future/9781541618626/other:[00:00:27] Dreaming Against the Machine (podcast)https://www.dreamingagainstthemachine.com[00:01:04] The Useful Idiots of AI Doomsaying (Adam Becker, The Atlantic, 2025)https://www.theatlantic.com/books/archive/2025/09/what-ais-doomers-and-utopians-have-in-common/684270/RESCRIPT: https://app.rescript.info/share/d6e37f9866673d8f74a39076efa5926b

What would it actually take for your business to replace your paycheck—or reach your first $5K or $10K month? In this episode of Behind the Business, I'm sharing the simple revenue planning method I use to stop guessing and start mapping out exactly where my monthly income will come from. We'll talk about: How to determine your monthly income goal How to work backward from that number Why I don't recommend relying only on 1:1 clients How to build multiple streams of income through coaching, group programs, and digital products The order I recommend building your income streams as a coach How to create a business model that gives you more freedom—not another full-time job I'll also walk you through my Revenue Calculator so you can plug in your own numbers and see exactly how many clients, sales, or group members you need to reach your goal. Want help starting your career coaching business? Grab my Career Coach Startup Kit, where I'll help you start mapping out your offers, pricing, income streams, and revenue plan. And if you're ready for more personalized support, applications are now open for my Fall Career Coach Certification cohort. I just opened 5 pre-enrollment spots, and inside Certification, I personally help you build the offers, marketing, client strategy, and revenue plan designed to move you toward consistent $10K months. Apply for Career Coach Certification: classycareergirl.com/certification Your goal isn't just to leave your job. It's to build a business that actually supports the life you want.

In this episode of the Direct Cremation Podcast, host Will de Michaelis challenges funeral home owners to rethink phone coverage. His central point is simple: every funeral home operates like a small call center, yet most firms do not staff their phones using call-center data. Your funeral home may be a small call center—but every call carries far more weight than an ordinary customer-service inquiry. (00:00:00) Intro (00:01:10) The Calculator (00:01:25) What is Erlang C? (00:01:56) How We Used To Staff Our Phones (00:02:47) Staffing is Not a Scheduling Problem (00:03:31) Erlang C in One Sentence (00:04:59) Your Funeral Home is a Call Center (00:05:23) How to Start Staffing Like a Call Center (00:06:30) The Raw Call Data (00:08:25) Why You Shouldn't Trust The Raw Data (00:09:15) Data Quality Issues (00:12:21) The Cleaned Data (00:14:45) The Call Data (00:16:32) The Dashboard (00:16:59) The Most Important Number (00:19:42) What Do You Do With This? (00:23:05) Here's Your Homework Watch the full interview here

In this episode of Unpacking Money, Scott Malcolm and co-host Ara Jansen unpack one of the most misunderstood parts of retirement planning in Australia: the Age Pension. Rather than treating it as an all-or-nothing entitlement, they explore how the Age Pension can fit as one layer within a broader retirement income framework alongside superannuation, savings, investments and lifestyle goals. Scott and Ara break down the key moving parts, including eligibility, income and assets testing, deeming rules, the different treatment of the family home, and why part-pension access can still be valuable. They also discuss why financial decisions should not be made purely to maximise Centrelink outcomes, and how a calm, values-based plan can help retirees feel more informed and prepared. In this episode, we cover: Why the Age Pension is not simply “yes” or “no” How the income test and assets test can affect pension entitlement Why deeming rules matter for savings, shares and super-related assets How housing, asset mix and lifestyle needs can change retirement outcomes Why retirement income planning should start with your goals, not just the rules Resources and Calculators: https://moneysmart.gov.au/retirement-income-sources/age-pension-and-government-benefits https://www.superguide.com.au/in-retirement/age-pension-calculator Thanks for listening! We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff! Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here. Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523 General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast. See omnystudio.com/listener for privacy information.

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3664: Darrow Kirkpatrick explains why most retirement calculators give you a false sense of precision. He walks through the flaws in steady-growth math, Monte Carlo simulations, and history-based models, including how the sequence of returns can sink a portfolio whose average return looks perfectly fine. His takeaway for anyone investing toward retirement is to treat a calculator as a direction indicator rather than a prediction. Read along with the original article(s) here: https://www.caniretireyet.com/why-most-retirement-calculators-dont-work/ Quotes to ponder: "Most retirement calculators are broken." "History might rhyme, but it doesn't precisely repeat itself." "In the end, no retirement calculator can predict the future. All it can tell you is which direction you're headed." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the second instalment of the Fat Loss Files mini series, I cover five more common fat loss mistakes, this time focusing on practical day-to-day habits, including:Trusting calorie calculators too literallyObsessing over daily numbers instead of weekly averagesRelying too much on cardio to create a deficit… And more!Links and resources:Sign up for one-on-one coaching with me: ⁠https://www.fittotransformtraining.com/coaching.html⁠Follow me on Instagram @nikias_fittotransform: ⁠http://instagram.com/nikias_fittotransform/⁠Visit my website: ⁠https://www.fittotransformtraining.com⁠Sign up for my free newsletter and get your free copy of The Masc/Fem Physique Blueprint: ⁠https://mailchi.mp/157389602fb0/mailinglist⁠Subscribe to my YouTube channel: https://www.youtube.com/@nikias_fittotransform Sign up for the No Quit Kit email series on retraining your mindset for long-term fat loss success: ⁠https://mailchi.mp/4b368c26baa8/noquitkitsignup⁠Take my free “Should You Cut or Bulk First?” quiz: https://nikias-dddr9p81.scoreapp.com/ 

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3664: Darrow Kirkpatrick explains why most retirement calculators give you a false sense of precision. He walks through the flaws in steady-growth math, Monte Carlo simulations, and history-based models, including how the sequence of returns can sink a portfolio whose average return looks perfectly fine. His takeaway for anyone investing toward retirement is to treat a calculator as a direction indicator rather than a prediction. Read along with the original article(s) here: https://www.caniretireyet.com/why-most-retirement-calculators-dont-work/ Quotes to ponder: "Most retirement calculators are broken." "History might rhyme, but it doesn't precisely repeat itself." "In the end, no retirement calculator can predict the future. All it can tell you is which direction you're headed." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3664: Darrow Kirkpatrick explains why most retirement calculators give you a false sense of precision. He walks through the flaws in steady-growth math, Monte Carlo simulations, and history-based models, including how the sequence of returns can sink a portfolio whose average return looks perfectly fine. His takeaway for anyone investing toward retirement is to treat a calculator as a direction indicator rather than a prediction. Read along with the original article(s) here: https://www.caniretireyet.com/why-most-retirement-calculators-dont-work/ Quotes to ponder: "Most retirement calculators are broken." "History might rhyme, but it doesn't precisely repeat itself." "In the end, no retirement calculator can predict the future. All it can tell you is which direction you're headed." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode I am explaining how to set your calories and macronutrients without an online calculator. I will break down setting it for fat loss, for maintenance, or for building muscleBook your free consultation:https://forms.gle/MCHXhcubdmqQQaPNAFollow me on instagram: https://www.instagram.com/cherylnasso/

Have your salary hikes felt smaller than expected despite years of hard work? In this episode, Monika analyses a decade of Income Tax Return data to explain why India's salaried middle class feels financially stuck. While more people have moved into higher income brackets and the formal economy has expanded rapidly, average salaries within income groups have barely grown, raising important questions about wages, productivity and purchasing power.She explains what these trends mean for employees, why changing jobs and upgrading skills often matter more than annual appraisals, and why your career remains your biggest financial asset. The episode concludes with practical advice on taking charge of your own earning potential rather than waiting for the labour market to change.In the listener questions, Monika advises a young first-generation wealth creator on managing a sudden financial windfall, overseas diversification and avoiding lifestyle inflation. She also explains how debt mutual fund maturities actually work and guides a Hyderabad-based listener on whether downsizing his home can help create a more secure retirement income.Chapters:(00:00 – 00:00) Is Your Salary Really Growing? What 10 Years of Tax Data Reveal About Middle India(00:00 – 00:00) Why Aren't Salaries Rising Despite Formalisation and Economic Growth?(00:00 – 00:00) How Should First-Generation Wealth Creators Invest in a Sudden Windfall?(00:00 – 00:00) When Should You Exit a Debt Mutual Fund?(00:00 – 00:00) Should You Downsize Your Home to Build a Better Retirement Income?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

Financial safety isn't about having the highest net worth or the perfect asset allocation—it's about sleeping well at night. In this episode, Monika explores the everyday financial fears that people live with, from job loss and medical emergencies to inflation and market crashes, and explains how to build practical financial safety without becoming paranoid about every possible risk.She breaks down the role of emergency funds, health insurance, asset allocation and simple planning in protecting your financial life. The goal isn't to eliminate all risk, but to cover the basics well enough that you're prepared when life throws the unexpected your way.In the listener questions, Monika answers whether a self-employed professional with a solid financial foundation is ready to begin investing seriously, explains why it's time to exit ULIPs and buy term insurance instead, discusses whether it makes sense to continue older LIC policies that are close to maturity, and reassures an AIIMS doctor that decades of disciplined saving have already put him on track for a financially secure retirement.Chapters:(00:00 – 00:00) How Much Financial Safety Is Really Enough?(00:00 – 00:00) Emergency Funds, Health Insurance and Protecting Yourself Against Life's Biggest Risks(00:00 – 00:00) Should You Wait to Invest Until Your Emergency Fund Is Complete?(00:00 – 00:00) Should You Continue Your LIC Policy or Switch to Mutual Funds?(00:00 – 00:00) Is It Too Late to Start Investing at 55? Building a ₹16 Crore Retirement CorpusIf 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

If you thought calculators were stuck in high school, check your phone! This episode finds the formula behind conversions, math notes, and custom shortcuts that could totally change how you crunch numbers on your everyday Apple device. Mikah Sargent and Rosemary Orchard run the numbers and reveal which apps truly multiply your productivity. iOS calculator app features: history, copy, mode switcher, and conversions Math Notes and Apple Pencil support for handwritten equations on iPad Spotlight's built-in calculator vs. dedicated calculator app usage Deep dive into PCalc: customization, layouts, and advanced features Soulver 4 brings notepad-style, sentence-based calculations and variables (Not Boring) Calculator offers simplicity and a clean design for basic math News: Public beta releases for Apple operating systems explained App Caps: Safari's new webpage monitoring vs. Distill Web Monitor app, and Microsoft Copilot for streamlining messy data into formatted documents Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

If you thought calculators were stuck in high school, check your phone! This episode finds the formula behind conversions, math notes, and custom shortcuts that could totally change how you crunch numbers on your everyday Apple device. Mikah Sargent and Rosemary Orchard run the numbers and reveal which apps truly multiply your productivity. iOS calculator app features: history, copy, mode switcher, and conversions Math Notes and Apple Pencil support for handwritten equations on iPad Spotlight's built-in calculator vs. dedicated calculator app usage Deep dive into PCalc: customization, layouts, and advanced features Soulver 4 brings notepad-style, sentence-based calculations and variables (Not Boring) Calculator offers simplicity and a clean design for basic math News: Public beta releases for Apple operating systems explained App Caps: Safari's new webpage monitoring vs. Distill Web Monitor app, and Microsoft Copilot for streamlining messy data into formatted documents Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

If you thought calculators were stuck in high school, check your phone! This episode finds the formula behind conversions, math notes, and custom shortcuts that could totally change how you crunch numbers on your everyday Apple device. Mikah Sargent and Rosemary Orchard run the numbers and reveal which apps truly multiply your productivity. iOS calculator app features: history, copy, mode switcher, and conversions Math Notes and Apple Pencil support for handwritten equations on iPad Spotlight's built-in calculator vs. dedicated calculator app usage Deep dive into PCalc: customization, layouts, and advanced features Soulver 4 brings notepad-style, sentence-based calculations and variables (Not Boring) Calculator offers simplicity and a clean design for basic math News: Public beta releases for Apple operating systems explained App Caps: Safari's new webpage monitoring vs. Distill Web Monitor app, and Microsoft Copilot for streamlining messy data into formatted documents Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

If you thought calculators were stuck in high school, check your phone! This episode finds the formula behind conversions, math notes, and custom shortcuts that could totally change how you crunch numbers on your everyday Apple device. Mikah Sargent and Rosemary Orchard run the numbers and reveal which apps truly multiply your productivity. iOS calculator app features: history, copy, mode switcher, and conversions Math Notes and Apple Pencil support for handwritten equations on iPad Spotlight's built-in calculator vs. dedicated calculator app usage Deep dive into PCalc: customization, layouts, and advanced features Soulver 4 brings notepad-style, sentence-based calculations and variables (Not Boring) Calculator offers simplicity and a clean design for basic math News: Public beta releases for Apple operating systems explained App Caps: Safari's new webpage monitoring vs. Distill Web Monitor app, and Microsoft Copilot for streamlining messy data into formatted documents Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

If you thought calculators were stuck in high school, check your phone! This episode finds the formula behind conversions, math notes, and custom shortcuts that could totally change how you crunch numbers on your everyday Apple device. Mikah Sargent and Rosemary Orchard run the numbers and reveal which apps truly multiply your productivity. iOS calculator app features: history, copy, mode switcher, and conversions Math Notes and Apple Pencil support for handwritten equations on iPad Spotlight's built-in calculator vs. dedicated calculator app usage Deep dive into PCalc: customization, layouts, and advanced features Soulver 4 brings notepad-style, sentence-based calculations and variables (Not Boring) Calculator offers simplicity and a clean design for basic math News: Public beta releases for Apple operating systems explained App Caps: Safari's new webpage monitoring vs. Distill Web Monitor app, and Microsoft Copilot for streamlining messy data into formatted documents Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

If you thought calculators were stuck in high school, check your phone! This episode finds the formula behind conversions, math notes, and custom shortcuts that could totally change how you crunch numbers on your everyday Apple device. Mikah Sargent and Rosemary Orchard run the numbers and reveal which apps truly multiply your productivity. iOS calculator app features: history, copy, mode switcher, and conversions Math Notes and Apple Pencil support for handwritten equations on iPad Spotlight's built-in calculator vs. dedicated calculator app usage Deep dive into PCalc: customization, layouts, and advanced features Soulver 4 brings notepad-style, sentence-based calculations and variables (Not Boring) Calculator offers simplicity and a clean design for basic math News: Public beta releases for Apple operating systems explained App Caps: Safari's new webpage monitoring vs. Distill Web Monitor app, and Microsoft Copilot for streamlining messy data into formatted documents Hosts: Mikah Sargent and Rosemary Orchard Contact iOS Today at iOSToday@twit.tv. Download or subscribe to iOS Today at https://twit.tv/shows/ios-today Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

You show up.Even on the days you would rather not.You put your bag down, you get your session done, you go home.And you have wondered more than once whether all that effort is actually paying off like it should...Or if you are just doing what everyone else in the room is doing and hoping it works.Now for the awkward part... 99% of people in the gym warm up completely wrong, and have no idea they are doing it.A quick jog on the treadmill before chest day.Or nothing at all, straight under the bar, cold.Either way, you have been leaving performance on the table and raising your risk of injury without realising it.This week Matt hands over the exact warm-up protocol he has used with every client since 2010, the one he calls a cheat code because it works every single time. Come and join us as we deep dive into... • Why jogging on the treadmill before a weight session warms up the wrong body entirely (make it make sense!)• The funeral we are holding for treadmill warm-ups, endless pyramid sets, and R.I.P. to the trainer who told you to jog for 10 minutes before your chest session• The 5-set cheat code that primes you to lift heavier every session, in under 10 minutes• Why more warm-up actually makes you weaker, and the sweet spot most people blow straight past• The 550kg leg press lesson: what happens when you walk in cold and load the bar anyway• How the warm-up doubles as free practice, so your form is dialled in before the set that counts• The gym habit that, once you see it, you cannot unsee (start counting how many people around you are getting it wrong) Mentioned in this episode: The Warm-up Calculator. Our free tool. Tell it what you lifted last session and it hands you your exact 5 warm-up sets, weight and reps, for that exercise. No maths, no spreadsheet, no guessing.DM us the word WARMUP on Instagram and we'll send it straight over! https://www.instagram.com/theweightlosspodcast/Want to go deeper? We have a free YouTube training where Matt breaks down the 4 biggest mistakes that keep people stuck with their weight loss, and how to stop making them: https://youtu.be/NLKhlDO3Wu0

Unix Pipes under Load, Powering up a IBM Calculator from 1948, FreeBSD AI assisted Vulnerability Discovery Project, and more... NOTES This episode of BSDNow is brought to you by Tarsnap and the BSDNow Patreon Headlines Unix Pipes Under Load: Streaming, Barriers, Backpressure, and Bottlenecks Powering up a module from the IBM 604: an electronic calculator from 1948 News Roundup FreeBSD AI-assisted Vulnerability Discovery Project launch Sometimes it actually is the network: a war story FreeBSD Tribal Knowledge: Boot Enviroment Management Beastie Bits OpenSSH 10.4/10.4p1 released! OpenBSD/amd64 kernel virtual address space is now 512GB OpenBSD's pledge(2) and unveil(2) are developer-friendly, study finds Tarsnap This weeks episode of BSDNow was sponsored by our friends at Tarsnap, the only secure online backup you can trust your data to. Even paranoids need backups. Feedback/Questions Send questions, comments, show ideas/topics, or stories you want mentioned on the show to feedback@bsdnow.tv Join us and other BSD Fans in our BSD Now Telegram channel

Let's Discover the Best Cities in Brazil for Gay RetireesMost Americans think of retirement abroad and immediately picture Portugal, Spain, Mexico, or maybe Thailand.But if those feel too expensive, too far away, or just not quite right, Brazil deserves a serious look for your gay retirement dollar.Brazil offers something rare: warm weather, lower costs, strong LGBTQ+ legal protections, major queer visibility, Afro-Brazilian culture, beaches, food, music, private healthcare, visa options, and, yes, many, many, many Speedos.In this episode of Queer Money, we're continuing our Affordable International Gay City series with the 5 best gay cities in Brazil for gay retirees.Brazil is not Nordic order. It is not Mexican expat familiarity. It is not Portuguese calm, even though Portuguese is the language, which, yes, you should start learning before you move. But Brazil may offer gay retirees a powerful mix of affordability, culture, LGBTQ+ acceptance, and lifestyle that can make retirement abroad feel much more possible.We compare each Brazilian city to Framingham, Massachusetts, our U.S. touchstone city for this episode, and look at what matters for gay retirement abroad: cost of living, average two-bedroom rent, LGBTQ+ visibility, state and city acceptance, queer nightlife, healthcare access, safety, lifestyle, and overall retirement fit.This week, we cover Belo Horizonte, Curitiba, Salvador, Florianópolis, and São Paulo.Takeaways from this episode:Why Brazil deserves a serious look for gay retirement abroadWhy Brazil's LGBTQ+ protections and public acceptance rank stronger than many people assumeHow Brazilian cities compare with Framingham, Massachusetts, for cost of livingWhy Belo Horizonte may work for retirees who want Brazil without São Paulo intensity or beach-city chaosWhy Curitiba may appeal to gay retirees who want structure, affordability, healthcare, parks, and practical city livingWhy Salvador may be especially compelling for Black gay retirees seeking Afro-Brazilian culture and visibilityWhy Florianópolis offers beaches, nature, wellness vibes, and a relaxed queer-friendly lifestyleWhy São Paulo takes the top spot as Brazil's queer mega cityWhy Portuguese, safety planning, neighborhood choice, and local research matter before movingWhy the question is not “Is Brazil right for every gay retiree?” but “Which Brazil fits the retirement lifestyle I actually want?”Brazil may not be right for everyone. If you want perfect predictability, spotless bureaucracy, or a country that runs like a Swiss train schedule, Brazil may test your spirit.But if you want warmth, affordability, legal residency options, strong LGBTQ+ protections, private healthcare, culture, food, music, and cities with real queer life, Brazil may deserve a spot on your retirement abroad shortlist.Before you make any move, research it, visit for longer than a vacation, and run the numbers for your actual life. This is a lot easier with a plan of action and that's exactly why we created the Queer Money Retire Abroad Planner and Calculator. Chapters:00:00 - Intro02:57 - Belo Horizonte05:11 - Curitiba09:00 - Salvador11:22 - Florianópolis14:55 - São Paulo18:50 - OutroMentioned in this episode:What if your portfolio came with a visa and passport?That's exactly what the Optimize Portugal Golden Opportunities Fund can do, bringing together diversification, tax efficiency, and a path to EU residency and a passport. Click the link below to explore your ticket to Europe.Get Your Portugal Golden Visa Here!Portugal is calling. Will you answer?Don't just dream of moving to Portugal, make it happen with the investments in your IRA. Investing in Portugal gets you residency, the ability to work in Portugal and returns that just may outpace the U.S. like the Optimize Portugal Golden Opportunities fund did in 2025. Get Your Portugal Golden Visa Here!

Every missed call is more than a missed opportunity—it could be the start of a long-term customer relationship that never happens.In this episode, Brandon Schoen breaks down one of the most overlooked profit leaks in the cleaning industry: unanswered phone calls. After reviewing the call logs from his own multi-million-dollar cleaning company, he uncovered a startling amount of lost revenue that had been quietly slipping away year after year.Brandon walks through the simple math behind calculating your own hidden revenue loss, explains why missed calls cost far more than a single cleaning appointment, and shares why fixing your revenue capture process can often generate bigger returns than spending more on marketing.He also introduces a free calculator designed to help cleaning business owners estimate how much revenue they're losing—and discusses practical options for capturing more leads without adding unnecessary complexity to their business.Use the free Revenue Calculator at https://calculator.noctave.ai/  to estimate your hidden revenue leak, then explore the full training to learn practical strategies for capturing more calls, booking more jobs, and growing your cleaning business without simply spending more on marketing. Listen now!Highlights:00:00 – Why a Single Missed Call Could Cost Thousands in Future Revenue02:04 – The $130,000 Revenue Leak Hidden Inside a Successful Cleaning Business04:56 – The Simple Formula to Calculate Your Own Missed Revenue07:43 – Why the First Cleaning Isn't the Real Value of a New Customer09:02 – A Free Calculator That Reveals Your Hidden Revenue Leak in Seconds11:40 – Why Most Cleaning Companies Don't Have a Lead Problem12:57 – Four Ways to Stop Losing Customers After They Call15:35 – How AI Can Capture Calls, Book Jobs, and Support Your Office Team16:57 – Why Recovering Existing Opportunities Is Easier Than Finding New Ones18:15 – The Cost of Ignoring Missed Calls as Your Business GrowsLinks/Resources Mentioned:Profit Cleaners Website Watch the FREE Masterclass: https://profitcleaners.com/masterclass)Join the FREE Facebook community: https://www.facebook.com/groups/profitcleaners/Visit profitcleaners.com/cleanerclean to stay updated on everything coming next from Profit Cleaners. profitcleaners.com/cleanercleanRegister for the free live training — Tuesday July 7th at noon Mountain:profitcleaners.com/voiceaiLearn more about Noctave AI:noctave.ai

Military service offers more financial advantages than most Americans realize, but is staying for a 20-year pension always the smartest move? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench sit down with Carol and Doug to discuss how military benefits can accelerate financial independence. They cover military pensions, VA disability compensation, TRICARE, reserve retirement, and the opportunity cost of leaving active duty for a civilian career. Carol shares how she left active duty after five years, joined the reserves, and built wealth through disciplined investing. Doug explains why military compensation is worth more than base pay alone, how to think about pensions as a probabilistic asset, and why quality of life should be part of every financial decision. Whether you're active duty, a reservist, a veteran, or pursuing Financial Independence (FIRE), this episode is packed with practical strategies for building long term wealth. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney Connect with Carol and Doug: Carol: https://www.facebook.com/NextGenFinance Doug: militaryfinancialindependence.com AND Nordsnords@gmail.com Resources from Todays Episode: https://themilitarywallet.com/leave-active-duty-for-reserves/ https://militarypay.defense.gov/Calculators.aspx https://militarypay.defense.gov/calculators/rmc-calculator/ https://tricare.mil/Plans/HealthPlans https://militaryfinancialindependence.com/2024/06/27/why-you-file-your-veterans-disability-claim-not-just-how/ We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Military service offers more financial advantages than most Americans realize, but is staying for a 20-year pension always the smartest move? In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench sit down with Carol and Doug to discuss how military benefits can accelerate financial independence. They cover military pensions, VA disability compensation, TRICARE, reserve retirement, and the opportunity cost of leaving active duty for a civilian career. Carol shares how she left active duty after five years, joined the reserves, and built wealth through disciplined investing. Doug explains why military compensation is worth more than base pay alone, how to think about pensions as a probabilistic asset, and why quality of life should be part of every financial decision. Whether you're active duty, a reservist, a veteran, or pursuing Financial Independence (FIRE), this episode is packed with practical strategies for building long term wealth. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney Connect with Carol and Doug: Carol: https://www.facebook.com/NextGenFinance Doug: militaryfinancialindependence.com AND Nordsnords@gmail.com Resources from Todays Episode: https://themilitarywallet.com/leave-active-duty-for-reserves/ https://militarypay.defense.gov/Calculators.aspx https://militarypay.defense.gov/calculators/rmc-calculator/ https://tricare.mil/Plans/HealthPlans https://militaryfinancialindependence.com/2024/06/27/why-you-file-your-veterans-disability-claim-not-just-how/ We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join us on Discord at https://discord.gg/Fghf83qListen to the DynaMic Podcast Network at http://dynamicpodcasts.comDownload the bonus episodes: https://dynamic-duel-shop.fourthwall.com/collections/bonus-episodes• 0:00:00 - Introduction • 0:01:34 - Calculator vs Microchip duel results  • 0:04:26 - Who's Who?  • 0:08:09 - Supergirl Review • 0:21:52 - Sign off Website: https://dynamicduel.comInstagram: https://instagram.com/dynamicduelpodcastMerch: https://dynamic-duel-shop.fourthwall.com/Blip Stream by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3443-blip-stream#Supergirl #SupergirlWomanOfTomorrow #DCBecome a supporter of this podcast: https://www.spreaker.com/podcast/dynamic-duel-dc-vs-marvel--5414543/support.

It's Month 6 of our 2026 Financial Planning Challenge! In this installment, Fools Robert Brokamp and Stephanie Marini suggest ways to prioritize and quantify your financial goals, and highlight some tools that will help you crunch the numbers. Also in this episode:-A recent study finds that taxes can take more than a third of your investment over the long term-According to a Wall Street Journal analysis, the five largest home insurers didn't pay out on more than 44% of claims last year, up from 36% a decade earlier-The share of national income attributable to corporate profits is at an all-time high-Visit Fool.com/calculators, Dinkytown.net, or Calculator.net to find tools that can quantify and solve just about any financial conundrum Host: Robert Brokamp, CFP®, EAGuest: Stephanie Marini, CFP®, CRPC®Engineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices