Podcasts about Calculator

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Tune in as the team discusses:How to calculate yield and use it to structure better dealsReal cash and terms deal breakdowns from Scott, Mike, and JohnThe importance of capital recovery and why 72% yield is the goalUsing the calculator live during negotiationsWhat LandArb is and how it creates infinite returns with little capital TIP OF THE WEEK“Use the calculator while negotiating. Adjust the down payment, monthly payment, or term and watch how your yield changes in real time. If it stays above 72%, it's a strong deal.” — Scott BossmanWANT MORE?Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing.UNLOCK MORE FREE RESOURCES:Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree."Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

Most women underestimate the impact of tiny improvements on their portfolio.A single percent can feel meaningless, but that 1% could literally be worth millions.In this episode, I show you how to use “The Power of One” to dramatically increase your wealth without working harder, taking on more risk, or changing your lifestyle. I'll break down the compounding math no one is showing you, where to find that extra 1%, and how to easily add hundreds of thousands of dollars to your net worth.Tune in to learn:How a tiny shift can add hundreds of thousands to your returnsThe compounding math no one is showing youWhy 1% seems small…but is misleadingly large I have a special calculator that will show you the impact of this on your portfolio in 10 seconds.DM me “CALCULATOR” on Facebook to scoop it for free.

This week, Monika unpacks the buzz around Specialized Investment Funds (SIFs) — the newest category in India's investing landscape. Positioned between mutual funds and Portfolio Management Services (PMS), SIFs promise more flexibility for fund managers and new opportunities for investors willing to take calculated risks. Monika explains how SIFs differ from mutual funds, which operate within tightly defined categories, and PMS products, which cater to high-net-worth investors. With a ₹10 lakh minimum investment and the ability to use advanced “long-short” strategies, SIFs aim to deliver returns whether markets rise or fall.Monika highlights that while the product sounds exciting, investors must tread carefully. India's market culture is still largely “long-biased,” and true shorting strategies require deep conviction and expertise. SEBI's educational arm, NISM, has already raised questions about whether most fund houses are equipped to use this flexibility effectively. Given the lack of performance history and untested strategies, Monika advises investors to wait for at least a year of data before deciding if SIFs are truly worth the risk or just regulatory innovation without substance.In listener questions, Chandrasekharan K from Thrissur asks about the best way to invest in smart beta ETFs under a direct plan and whether high brokerage costs can be avoided. Feby Daniel from Bengaluru seeks guidance on making tax-efficient withdrawals while moving from equity ETFs to debt ETFs through a laddering strategy. Madhu, shares a dilemma on whether to buy a ₹90 lakh home outright or take a smaller loan and invest the rest in mutual funds.Chapters:(00:00–00:00) Understanding Specialized Investment Funds (SIFs)(00:00–00:00) The Long-Short Strategy and Its Limitations(00:00–00:00) Should You Invest in SIFs Now or Wait?(00:00–00:00) Smart Beta ETFs and Direct Plan Challenges(00:00–00:00) Buying a Home vs Taking a Loan: Finding Peace in OwnershipIf 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

Clarence Ford spoke to Delta Education seeks to empower students with scientific calculator drive. Views and News with Clarence Ford is the mid-morning show on CapeTalk. This 3-hour long programme shares and reflects a broad array of perspectives. It is inspirational, passionate and positive. Host Clarence Ford’s gentle curiosity and dapper demeanour leave listeners feeling motivated and empowered. Known for his love of jazz and golf, Clarrie covers a range of themes including relationships, heritage and philosophy. Popular segments include Barbs’ Wire at 9:30am (Mon-Thurs) and The Naked Scientist at 9:30 on Fridays. Thank you for listening to a podcast from Views & News with Clarence Ford Listen live on Primedia+ weekdays between 09:00 and 12:00 (SA Time) to Views and News with Clarence Ford broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/erjiQj2 or find all the catch-up podcasts here https://buff.ly/BdpaXRn Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

When it comes to the goals you're setting as a practice, it's important to establish a strategy to reach them. In this episode, Kiera walks listeners from wishful thinking to goal-driven execution. Email hello@thedentalateam.com for your goal-projection calculator today! Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team Listeners, this is Kiera. And today I like to get out of the hopes, the wish, the like, my gosh, are we gonna be able to hit our goals or not? ⁓ To actually set you and your team up to hit goals. this is just a true like, is your team set up to hit what you guys have set up? Or are we hoping, wishing, wishing on stars, doing all the like magic dance? ⁓ Let's truly, truly, truly help on this. We even have...   a goal projections calculator. So you guys can use that. And something email is Hello@TheDentalATeam.com. I'm gonna go through a bunch of these pieces today, but truly this is something that I think is gonna be so helpful for you guys. Let's not hope, wish, pray, like do that, but let's have it be a bit more predictable. ⁓ We've got to get it to where it's real. Somebody asked me like, I just wanna hit this amount. And I'm like, cool, why? And do you have a plan to get there? Every single piece. I don't care if you wanna hit.   2 million, 5 million, 20 million, all of it's doable. Let's just figure out the strategy. Let's figure out the plan. Let's create it. And then let's execute. Let's not just talk in hopes. Let's actually execute. ⁓ But it has to actually be founded actually. It has to be foundational. Otherwise, no matter how hard they try, they will not hit it. So we're gonna go from like wishful thinking to goal-driven execution. That way you guys can execute consistently.   Dental A Team's obsessed with this. Our mission is to positively impact the world of dentistry in the greatest way possible and to help you have every possible amazing life opportunity that you possibly have ever dreamed of. ⁓ We want you to lead with numbers, not just motivation. We want you to be confident in your decision-making. I want you to be able to say yes to more things in your life and that's focused on you as a person, earnings and profitability and systems and team development. The yes model, making sure that you are truly set up for success.   We're gonna teach you guys how to actually reach goals that you've set, how to be more consistent. It ties into quarterly. We talk about that on podcasts. Like really it's tracking, it's measuring, but it's like foundational. We've got to make sure that we've got step one is clear, measurable, visible and realistic. So, often offices I'm like, what are we even working towards? Like, I don't know. It does not have to be number centric either. It can be patient centric. It can be whatever it is. And I help offices see that like,   the numbers equate to the number of patients. And so when we look at this back and forth, it's really gonna help us like drive these things forward. And so whatever it is, you just have to make a goal clear, measurable, visible and realistic. So I'm talking like have a thermometer in your back room and we like fill it in every single month to see how close we are.   I do not want you just to be talking about it just as noise. It's got to be visible. It's got to be specific and it's got to be realistic. And then it's broken down into daily, weekly, monthly goals that are going to help us with benchmarks on it. So, so many times you're like, it's so hard care to add an extra 20 grand. And I'm like, but is it? If we're working 20 days a week, a month, that's an extra thousand dollars. Let's talk about how easy is it to add a thousand dollars a day? Like just rattle off, what could we do?   We could do fluoride. We can make sure our X-rays are there. We could add one extra, a couple extra fillings. Like that's all it is to add an extra 20 grand to a practice, but that's broken down into a daily realistic goal. This is going to help people also know what's their number that they actually can influence to drive the goal forward. So I'm very specific. If our goal is X, Y, or Z, we're going to then make sure every single department has something that they're driving this goal forward with that they can influence. And then we have a scoreboard.   Like truly teams do not win games by hoping, wishing that they got enough baskets in the hoop. They have the scoreboard there. They see, are they behind or they on track? Are they above goal? Are they behind goal? The entire game. It's not like, well, we're going to just like look at it once a month and hope like one time during the game, we're going to just throw that score up there real fast. Hope nobody really looks at it. Cause you know, we just want them to play ball.   No, we're here to win. We're here to make sure your practice is thriving. We're here to make sure that your systems are in place to make sure that you give the best patient and team experience. We need that scoreboard visible. Otherwise, how does the team know if we're winning, losing, or if we're on track? So break it down, monitor it. And I will tell you when practices implement this, they instantly grow 10 to 25 % consistently. Like it's a no brainer because we're like what you focus on, you achieve what's in your mind's eye. It's like when you want to go buy a car,   Well, instantly you start seeing that car everywhere and like, my gosh, there's that car again. Well, Toyota don't just like pump out a bunch more cars. You were focused on it. So you started to see it more. And what this is doing is it's focusing all of us on the goal and it's going to make it visible. So step one is you need to have your goal clear, measurable, visible, and realistic. And you need to post it this week. That's step one. Get it in there, physically post it and start measuring on it. Now every goal needs to have   the role tied to the goal. So this is going to what we talking about, like you have to train each role, what metric they can control. So hygiene reappointments, that's a big portion, hygiene fluoride, hygiene production per day, having it visible, having them have their own metrics so they can see what should my daily goal be. You just give a hygienist this information, your hygiene production will go up naturally. If they start looking at it, you have them turn in their end of day production reports, they check it off compared to where they're supposed to be.   Even if you have nothing tied to it, no pain, no gain, no nothing other than telling them what it is, you will increase because now they know for an office, your billing, it's our AR needs to be X amount. This is our goal. This is our standard scheduling. We need to have our schedule filled 80 % or 90%, whatever it is. That's less than one opening per day. We track it. We measure how many days do we not have? It's like how many accident free days did we have? Doctors hitting their dollar production per hour goal.   And checking out like literally I've helped associates increase their associate production goal just by giving them a little calendar where they check on how many days they hit their goal. That's it. That's it. People love like I used to work at the dental college at Midwestern. If you don't know that, well, welcome. Hi, I'm Kiera Dent. I used to work in Arizona's dental college and it was crazy. Our endo buckets were a hot mess. I had made these pictures. I had protocols. had it. The number one thing that worked for me to get those endo buckets back clean.   was giving out gold stars to students. I kid you not, these are dental students. I had 140 of them in two different classes. So 280 and I had to get these buckets in. You can only imagine the amount of work I had to do and that we're talking gut a purchase, like the whole nonsense of these things. And the piece was if I gave them a gold star and then what people started doing was putting those gold stars on their name tags. And believe it or not, people were obsessed with getting those gold stars and tracking and measuring just with a simple gold star.   And if their bucket wasn't perfect, they got a red or green. They did not get the gold or they had to go back and fix it to get the gold star. And it's crazy. Cause when you do this, what it does is it connects the dots for team members. And then we're reinforcing good behavior of what we want more up. So when you start to have like every single role having their goals. So hygienists know what their metrics are. Dental assistants know their metrics. Front office knows their metrics. Doctors know their metrics. And we're tracking it.   They're closing, like we are hitting our goals with so much more ease and continuity. This is how I take practices from producing 150 to 500,000. Like it's not sexy, it's not crazy, it's not hard, it's just consistent and being focused on the right things. So in your next meeting, like we've got the goal posted, it's visible. In the next meeting, ask each department like.   I break this down quarterly usually with departments and I say like, all right, build your quarterly goal. What are we gonna focus on? What are gonna be the metrics that are going to help us get to this mountain over here, this big goal that we're focused on? What does your department need to do? Where are we lacking? Where are the gaps and where can we improve? And then we start tracking it every single week. We review it every single month and we start to help them exponentially grow. This is how we do it and you can have that as a piece. And then third is we need to...   track the progress and adjust it weekly. we're literally like I said, you've got the goals, we're tracking it weekly. It's on there. And when a goal is read, we talk about it that week and we say, all right, this was off. What do we need to do? If hygiene teams are behind, the hygiene team gets together and we calibrate on how we do perio. If the doctors are not hitting their hourly goal, well, let's look, what are they diagnosing? What's our case acceptance close? What are our block schedules? When high gents aren't able to hit enough perio, let's go look to see, do we have enough perio spaces within our schedule? ⁓   but we start to identify these gaps early on, of course, correct quickly so that we were able to hit the goals consistently. And then like we celebrate those wins. So when you look at these things and you have your departments, this is where you have your department meetings every single week. People are like, what am I supposed to talk about? You talk about this. You talk about like, how can we win? We've got our scoreboard there. We're looking, are we behind, are we ahead? And if we're ahead,   Great, how can we calibrate the whole department? How can we look for other things that would drive it forward? And it's not driving the practice forward so much as it is great team experience, great patient experience, great practice experience. It's not one is better than the other. All three of those are interconnected. And so start doing this, start tracking every single week, start having each team member tied to a goal, start having it because when you do this, you're not just hoping and wishing.   You literally know the score every single week. Owners, you will be so obsessed about this because now you know like, are we going to win the game or are we going to lose the game? You're not hoping and wishing. You literally know at any given moment so you can fix it out like at halftime. Can you imagine, like my family, we all played basketball. So can you imagine for one second a basketball team that's like, well, it's halftime. We don't know if we're winning. We don't know if we're losing, but we're just going to go in there and we're going to pep talk.   No, they're like, all right, we're behind. need to go strategize. We need to go figure it out. Like, how are we changing this? Let's look back at our plays. What have we done? Well, what do we need to change? And they fix it to win the game. That doesn't mean we win everything, but it does mean that we're more consistent. It does mean that we're more focused on it. It does mean that we're more aligned because honestly, what you focus on, you achieve. So go post your goals, make sure they're realistic. We do have a whole projection calculator, which is really awesome. And it helps you figure out   who's gonna be off, how many providers you have, what their dollar per hour is, you can figure out what it is now, you can project out what next year's goals should be. At a minimum, every single office, if you're not in massive growth mode, should be growing at a minimum of 10 % every single year. That's just healthy business. So you have that. If you want to look at this to help you set up your realistic goals, by all means, reach out, Hello@TheDentalATeam.com. I'm happy to share it with you. This is a great time of year also to be doing it. So you can get our free goal projections calculator. It's something that you guys can do.   You guys can easily, easily set this up to now have every role have their role tied to the goal that they need to do. And we start to measure it. And then we're able to check it every single week in course correct quickly of what do we need to do? Are we tracking the right things? Are we not? Are we set up to win the game? And I think about like, let's again, go back to basketball. If you don't watch basketball, we'll change it to football. In all of them where they're going to win, when they're looking at the score, if they're behind, it's not like   keep doing defense guys. No, what they do is they change it. They change the strategy. They say, we're going to do X, Y, or Z. We're going to switch out these players. We're going to course correct faster and see if we get a different result. So for you and your team, have this as a rhythm, have it to where people own their roles, have it to where it's realistic. And I will say when we're setting up goals, don't go so hard that people feel they can achieve it. Make sure it's realistic and achievable and attainable for people. I'm not going to go from   I give you your hit 75 % overhead. I'm not gonna be like, let's get you to 50%. Ultimately, yes, I want you to get to 50%. But I'm gonna go, okay, we're at 75. Let's get to 70 this quarter. You're like, here, that's 5%. Like, of course I can do that. Great, because what I'm trying to do is build massive momentum for you to where you hit these things with ease and you build the momentum rather than it being so hard that you give up before you even start. So with your team.   commit to this, reach out for that projections calculator so you can set up a realistic goal for your practice of number of providers, when you're gonna hire new ones, all the pieces. It's really awesome. I'd love to help you out with that. Or if you're like, gosh, like I cannot figure this out. I cannot get my team bond in. I feel like I'm so scattered. Reach out. We're here to help you. Hello@TheDentalATeam.com. This is what we do. You guys, this is where we wanna help you lead with confidence and not chaos. And honestly, if you know a practice struggling with this, you're not struggling, send this podcast to them, help them out.   because I believe that the success platform, I think all of us are climbing the mountain to success, it's huge. Everybody's welcome and we want everybody there because we want to ultimately help more patients get great dentistry and help more dentists and more practices thrive. So share this, give it to somebody, help them lead with confidence, not chaos. And as always, this is what we do. So reach out and as always, thanks for listening and I'll catch you next time on the Dental A Team podcast. ⁓  

This week, Monika turns the spotlight on a silent financial burden many carry — not bad investments, but chaos. After years of conversations and examining real money lives, she observes that it is not low returns that do the most damage; it is clutter — too many accounts, scattered assets, forgotten subscriptions, and decisions made only to save tax. She shares the story of someone who bought faraway properties just to avoid capital gains tax, only to be trapped in years of maintenance, legal risk, and stress. A simple tax payment and a clean investment could have cost far less. It's a reminder that financial tidiness is not frugality — it is clarity and peace.Monika walks through the common clutter that silently erodes wealth: multiple bank accounts with no defined purpose, excessive credit cards increasing the risk of missed repayments, auto-renewing subscriptions eating into monthly budgets, and multiple investment platforms that fragment portfolios. She warns against buying assets only for tax breaks or collecting funds without strategy. This “confusion tax” — paid in stress, oversight, and poor decisions — is rarely acknowledged but deeply felt. A clean money box, she argues, does not just save time; it restores control.In listener questions, T. P. Singh, aged 55, seeks resources to decide the right allocation between fixed deposits and equity while already owning property and having no loans. Anonymous, a 52-year-old from the IT industry, asks whether selling his house to clear a heavy EMI is wiser as retirement nears and future job security is uncertain. Nikilesh K wants guidance on finding a disciplined investment vehicle with commitment like an insurance plan, but without the rigid lock-ins, to prevent impulsive withdrawals.Chapters:(00:00–00:00) The Real Cost of Financial Clutter(00:00–00:00) Decluttering Bank Accounts, Cards & Subscriptions(00:00–00:00) Simplifying Investments and Real Estate Decisions(00:00–00:00) Allocating Assets Safely in Retirement(00:00–00:00) Preparing for Retirement Under PressureIf 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

Wow! This was a record breaking week for visits to the Ontario Sold Price Calculator. Thanks to all of you that have signed up. If you truly want the best results when selling, it starts BEFORE you sign with anyone. 

Is the market overvalued or just heating up? Dan Frio breaks down stocks, bonds, and AI trends in today's Stock Talk Tuesday

 Looking for the best mortgage rates in 2025? Whether you're buying your first home or refinancing, I'll show you how to compare 30+ lenders with one application and one credit pull — saving you time, money, and stress. ✅ Start Here

This week, Monika explores the rising conversation around India's homegrown digital ecosystem and asks whether it's time to switch from foreign platforms to Indian ones. As more Indians pay for cloud storage, app subscriptions, and premium digital services, billions of dollars flow each year to U.S.-based tech giants like Google, Meta, and Amazon. A recent report estimates these companies collectively earn $15–20 billion annually from India, contributing to the U.S. services trade surplus. Monika highlights how countries like China have built self-reliant digital networks and argues that India too needs to invest in indigenous platforms that retain both data and money within the country.Monika spotlights Zoho's Arattai, an Indian-made messaging app offering a local alternative to WhatsApp. Created by Chennai-based Zoho and its founder Sridhar Vembu, the platform is part of a broader effort to build secure, locally hosted digital tools—from office software to cloud infrastructure. Zoho's model—built without foreign funding and with servers that keep Indian data on Indian soil—illustrates how homegrown innovation can strengthen both digital sovereignty and economic resilience. Just as UPI transformed payments by breaking dependence on Visa and Mastercard, Monika suggests India can now extend that success to digital services, reducing exposure to foreign control and keeping value creation domestic.In listener questions, Pavan Prabhakar asks how to introduce his 18-year-old nephew to the right kind of market learning beyond the basics of financial literacy, Devendra Paralkar seeks guidance on whether to add index funds or continue with his existing active mutual funds, and Manjiri Verma, a 40-year-old single mother, wants to understand how to balance her equity-debt allocation while saving for her daughter's education and prepaying her home loan.Chapters:(0:00-0:00) The Cost of Our Digital Lives(0:00-0:00) India's Move Toward Homegrown Digital Services(0:00-0:00) Guiding the Next Generation in Money Matters(0:00-0:00) Balancing Active and Index Fund Investments(0:00-0:00) Managing Risk and Building Long-Term WealthIf 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

 Looking for the best mortgage rates in 2025? Whether you're buying your first home or refinancing, I'll show you how to compare 30+ lenders with one application and one credit pull — saving you time, money, and stress. ✅ Start Here

Looking for the best mortgage rates in 2025? Whether you're buying your first home or refinancing, I'll show you how to compare 30+ lenders with one application and one credit pull — saving you time, money, and stress.   ✅ Start Here 

 Looking for the best mortgage rates in 2025? Whether you're buying your first home or refinancing, I'll show you how to compare 30+ lenders with one application and one credit pull — saving you time, money, and stress. ✅ Start Here

A huge THANK YOU to our Patrons: Michael Devries, irvin ruiz, Hoshi 127, Nora Klimek and miguel, who are supporting us on the “credited” level. www.patreon.com/bdckrThanks to the following for providing fodder for our Q&A:@darthdan3983 (MP Matchup Calculator)@mrkakaroto43x, @darthdan3983 (Challenge Reset Danger)Public Mobile referral code: VPM35Z

From the $550 calculator watches of the 1970s to today’s free online tools, we’ve always relied on numbers to help us make decisions. But when it comes to retirement, not every “calculator” gives you the full picture. In this episode, Greg and Kristen share why online tools—and even AI—can be misleading, how one client discovered that firsthand, and why professional guidance matters when the stakes are high. Plus, they compare finding the “right” retirement age to playing a tricky hole on the golf course: everyone starts from a similar place, but the path you take can look very different depending on the clubs in your bag. Wondering if you’re on track for retirement? Fill out this short form for a FREE consultation. See omnystudio.com/listener for privacy information.

In today's Five Question Friday (FQF) video, we cover this questions:1. Can you recommend a detailed tax estimator?2. How to plan Roth conversions without a fancy retirement planner?3. Should you pay off a mortgage early or invest the money?4. Are identity theft protection services worth the cost?5. How does reinvesting vs spending dividends affect return assumptions for retirement planning?    Resources2025 Tax Calculator: https://www.efile.com/tax-return-calc...*Note*: eFile is still updating some aspects of the calculator for 2025 tax laws.Boldin: https://go.robberger.com/boldin/yt-fqfVanguard Roth Conversion Calculator: https://advisors.vanguard.com/tax-cen...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

This week, Monika reflects on a question that came up at a recent event in Jaipur: would gold have been a better investment than equity funds over the past decade? Looking back, gold's average annual return of 15.4% has indeed outpaced the Sensex's 12%. A ₹1 lakh investment in gold 10 years ago would now be worth about ₹4.18 lakh, compared with ₹3.16 lakh in equity. But Monika cautions that most of gold's gains came in just the last two years, driven by geopolitical tensions and trade wars. Gold too goes through long down cycles, while equity remains tied to the productive capacity of businesses. The key takeaway is that hindsight can make investing decisions look easy, but in the moment, predicting the future path of any single asset class is nearly impossible.Monika also discusses why chasing one "winning" asset is not the answer. Even gold, once thought unshakable, could be disrupted just as lab-grown diamonds are reshaping the global diamond market. Instead, she emphasizes the role of asset allocation—spreading money across equity, debt, and real assets, and diversifying within each class. A balanced portfolio, built with discipline and consistency, is the only reliable tool investors have to navigate uncertainty. Monika reminds listeners that the goal is not to predict geopolitical events or cycles, but to build resilience through allocation, liquidity, and a long-term perspective.In listener questions, Alok Shetty asks whether he should commute 40% of his pension at retirement and invest the lump sum, Narayanan seeks a strategy to reach ₹5 crore by 2044 despite current loan pressures, and Swapnil Patil wonders if he should sell his Nagpur property and reinvest in financial assets or hold on to it as a home.Chapters:(0:00 – 0:00) Gold vs Equity: A Decade of Returns(0:00 – 0:00) Lab-Grown Diamonds, Gold, and Lessons for Investors(0:00 – 0:00) Pension Commutation: Lump Sum vs Full Pension(0:00 – 0:00) Building a ₹5 Crore Corpus with Limited Savings(0:00 – 0:00) Real Estate vs Financial Assets: Should You Sell Your Property?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

On this weekend update we discuss two important announcements and then dive into some great content for our newest listeners.   The two announcements:   1) https://3pmercury.com/extension offer ends soon. Snag the free on screen extension that others will soon be paying $30/ month to have! There's no catch, no upsell, no credit card needed - just a free powertool as our way of thanking our incredible community for being part of it all!   2) ProvenAmazonCourse.com - lock in your $39/ month price NOW. Those who don't lock in the $39 per month rate will have new pricing soon!   Show note LINKS:   Details about the free extension: (you need to be a member of our free Facebook group to use the link) https://www.facebook.com/groups/mysilentteam/posts/24546328741723238/   My Silent Team Facebook group. 100% FREE! https://www.facebook.com/groups/mysilentteam - Join 82,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!   Free extension sign up https://3pmercury.com/extension    The best price on 3PMercury https://3pmercury.com/friends    ProvenAmazonCourse.com - The comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!    

In this episode we answer questions from Chris, George and "I Have No Name."  We discuss a transition situation with bonus portfolio question, the plusses and minuses of Pralana and similar calculators, and an amusing take on the Golden Butterfly portfolio reimagined.Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterRational Reminder Podcast:  David C. Brown: The Underperformance of Target Date Funds | Rational Reminder 374Breathless Unedited AI-Bot Summary:What happens when you need to transition from a high-equity portfolio to a risk parity approach but face limited investment options in your 401(k)? How reliable are those fancy retirement calculators that promise to predict your financial future? And do those neatly organized "bucket strategies" actually improve portfolio performance, or are they just psychological comfort tools?Frank Vasquez tackles these pressing questions from listeners who are navigating the complexities of retirement planning and portfolio construction. Beginning with practical advice for a listener four years from financial independence, Frank explores how to handle the transition to a risk parity portfolio despite restrictive 401(k) investment options. Rather than fixating on finding the perfect funds immediately, he suggests focusing on getting the macro-allocations roughly right until more flexibility becomes available through an IRA rollover.The conversation shifts to a critical examination of retirement calculators like Pralana that rely on parameterized returns rather than historical data. Frank cuts through the marketing hype to reveal why these tools often function more like crystal balls than reliable forecasting instruments. "You're supposed to use base rates," he explains, "not make up things from a crystal ball that says things are going to be worse than they were before, better than they were before." This segment offers a masterclass in distinguishing between good forecasting methodologies and mathematically sophisticated but fundamentally flawed approaches.Perhaps most illuminating is Frank's analysis of bucket strategies in retirement planning. While organizing investments into conceptual buckets labeled for different time horizons may feel reassuring, these psychological tools don't fundamentally alter portfolio performance. "Looking at personal finance and separating what is finance from what is personal" becomes the key insight, helping listeners distinguish between strategies that actually improve financial outcomes versus those that simply make complicated concepts easier to visualize.Ready to see beyond the marketing gimmicks and focus on evidence-based approaches to retirement planning? Listen now, then like, subscribe, and leave a review to support the show while Frank takes a brief hiatus until mid-October.Support the show

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, Empowerment in Action: Our team has developed a new tool to help you make one of life's largest purchase decisions - exclusively at Clark.com Clark Stinks: Segments 1 & 2 Car Cost Calculator: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Safely Use for Peer-to-Peer Payments? Why You Need To Lock Your Phone Number Today Best 529 College Savings Plans By State 5 Money Tips To Know Before You Travel Abroad The Total Cost of Buying Cars (Calculator) Clark.com How Much Car Insurance Do I Need? 10 Ways To Save Money on Car Insurance Will I Get a Better Deal on a Car By Financing or Paying Cash? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

in this episode we answer emails from Chris, Trudie, and Earl.  Highlights:  The Father McKenna Center "Top of the T-shirt" campaign raised over $66,624 thanks to generous listener contributions; financial advisors are conflicted and also relatively uninformed marketing machines who are not very curious about finances and are too reliant on calculators; AI tools like Copilot can help implement risk parity strategies when fed quality information.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.If you have comments or questions, please email frank@riskparityradio.com or visit www.riskparityradio.com.Breathless AI-Bot Summary:What happens when financial wisdom meets unconventional thinking? This episode of Risk Parity Radio opens with Emerson's timeless quote about foolish consistency being "the hobgoblin of little minds" – perfectly setting the stage for a fresh look at portfolio management that marches to a different beat.The Risk Parity Radio community shines as Frank announces the remarkable success of the Father McKenna Center fundraising campaign, which raised over $66,624. This achievement showcases the extraordinary engagement of listeners who value both financial knowledge and giving back. As Frank puts it, "I never really cared about having the largest audience. I just wanted to have the most engaged audience" – and with 2,500 regular listeners who actively participate in such initiatives, that goal has clearly been achieved.Diving into listener correspondence, Frank explores how one community member has leveraged AI tools like Copilot to implement risk parity strategies. This sparks a broader examination of technology's role in personal finance, with Frank cautioning that AI is only as good as the information it's fed. In an age where many advisors have become what Frank calls "calculator jockeys" – professionals who rely on planning software without understanding its limitations – this distinction between tools and expertise becomes crucial.The episode delivers a masterclass in practical financial knowledge, including an elegant explanation of the 240/200 rule for calculating monthly distributions. This mathematical shortcut exemplifies the podcast's approach: making complex concepts accessible without talking down to the audience. Frank demonstrates how dividing a portfolio value by 240 yields a monthly distribution equivalent to a 5% annual withdrawal rate – the kind of straightforward, useful information that listeners can immediately apply.The weekly portfolio review reveals impressive performance across all eight sample portfolios, with gold continuing its remarkable run at 36.91% year-to-date. From conservative allocations to more experimental leveraged strategies, these real-world examples provide valuable insights for listeners navigating their own investment journeys.Ready to break free from financial convention and build a portfolio that truly reflects your goals? Subscribe now and join a community of independent thinkers who know that sometimes the most rewarding path is the one less traveled.Support the show

Do you ever feel like your whole life is on pause while you're trying to conceive? Maybe you find yourself asking, “Should I plan that trip?” or “What if I'm pregnant by then?” Living in limbo can leave you exhausted, anxious, and unsure of how to move forward. In today's episode, we're talking about how to make plans while you're waiting—without fear, guilt, or the constant “what if” game. You'll hear both biblical wisdom and practical tools to help you enjoy your life, hold your plans with open hands, and trust God's timing for your family. ✨ What You'll Learn in This Episode: Why Scripture encourages us to plan with humility and trust (James 4:13–15; Proverbs 16:9) How to live fully and joyfully in the waiting, instead of putting life on pause Practical strategies for planning trips, events, and commitments while TTC Encouragement to delight in the present season, knowing God's timing is always perfect Whether you're in month 3 or year 6 of waiting, this episode will help you release the fear of “messing up the timing” and step into abundant life—even before the pregnancy test turns positive. ----more---- Try Inito THE Fertility Tool you Need - as shared today, this is the tool I just started using as we begin preparing for conceiving baby 3!! The Inito Starter Pack is available for just $89 with the code THEWAITINGWELL at inito.com - this is the tool you HAVE to have: Your very own fertility lab that measures actual values of Estrogen and LH to predict your fertile days, PdG (urine metabolite of progesterone) to confirm ovulation and FSH to track your follicle growth.  ----more----   Enroll in Peace in the Wait: A Christ-Centered Approach to the Two Week Wait Mini Course: https://stan.store/coduinker/p/peace-in-the-wait  This Christ-centered 14-day mini-course is designed to help Christian women in the Two Week Wait move from anxious spiraling and restless uncertainty to a place of peace, steadiness, and holy confidence in God's timing—whether the test turns positive or not. Here's what you'll receive: ✅ 14 days of powerful audio devotionals to renew your mind with God's truth ✅ A guided journal with scripture-based reflection prompts for each day ✅ Practical tools to take every thought captive and calm anxious spirals ✅ Worship and prayer resources to help you anchor your hope in Christ ✅ Fertility-friendly meal plan to nourish your body during the wait ✅ Lifetime access to all materials so you can revisit each cycle ✅ A safe space to shift from anxiety ground to holy ground in your wait Cost: