Podcasts about Calculator

Pastor Josh's sermon on Philip the disciple

Why does up to 10% of bladder cancer pathology change on expert review, and what does that mean for your intermediate and high-risk patients? In this episode of BackTable, Dr. Bogdana Schmidt interviews urologists Dr. Kristen Scarpato and Dr. Sunil Patel to explore the complexities of diagnosis and risk assessment in non–muscle invasive bladder cancer (NMIBC). They discuss the real-world challenges of pathology interpretation, risk-group assignment, evolving diagnostic tools, and the impact these factors have on treatment decisions and patient outcomes. --- Get the BackTable apphttps://www.backtable.com/app --- This podcast is supported by an educational grant from Johnson & Johnson. --- Timestamps00:00 - Introduction01:02 - Risk Stratification07:22 - Upstaging to High Risk10:06 - Calculators and Patient Education15:22 - Specific Tests Use Cases18:50 - Conflicting Biomarker Results21:36 - Adjunct Tests and Counseling24:03 - Recurrence After Chemo Next Steps27:01 - Escalation Deescalation Balance32:48 - Future Research Priorities35:43 - Biology Based Risk Stratification38:03 - Clinical Pearls and Wrap Up --- More about this episodeThe conversation highlights the heterogeneity of intermediate-risk disease, the role and importance of expert pathology over-reads, and the need to accurately document the risk category for ongoing care. They discuss selective use of urinary and genomic assays and how these tests fit alongside cystoscopy and blue light endoscopy. Practical treatment approaches are reviewed, including when to use intravesical gemcitabine or BCG, managing care during BCG shortages, and balancing escalation versus de-escalation of therapy. Additional topics include strategies for long-term surveillance, upper tract imaging, rising rates of bladder cancer in younger patients, and why thorough TURBT and strong patient-provider communication remain central to optimal management. --- Resources The Memorial Studyhttps://www.mskcc.org/cancer-care/clinical-trials/19-288 The BRIDGE Studyhttps://www.nejm.org/doi/full/10.1056/NEJMoa1501035 --- BackTable Urology is the go-to podcast for urologists, urologic oncologists, and urogynecologists. Download the free BackTable app to get early access to new episodes, cases, and courses curated by physicians in your specialty.► https://www.backtable.com/app

In this episode, Monika introduces what she calls the Three Pool Retirement Strategy — a framework she personally uses to think about retirement and one that aims to replace anxiety with clarity. Ahead of a brief break while travelling to Berlin, she addresses one of the biggest worries people have about retirement: not necessarily building the corpus, but managing it after work stops. Rather than relying solely on withdrawal-rate formulas, she explains how dividing retirement money into three distinct pools — a two-year “Spend It” pool in fixed deposits, a ten-year “Protect It” pool in debt funds, and a long-term “Grow It” pool in equity — creates liquidity, stability, and growth while reducing the fear of running out of money. She then walks through how each pool works and how they interact over time. Fixed deposits provide a buffer against market crashes and eliminate the need to sell investments in bad times. Debt funds act as a bridge for the following decade, periodically replenishing the cash pool, while equity remains untouched for long stretches, allowing compounding to do its work. By ring-fencing money according to time horizons rather than chasing maximum returns, retirees can create a system that prioritises peace of mind. Monika argues that the real purpose of retirement planning is not to squeeze out every extra percentage point of return, but to ensure that money quietly supports life rather than constantly demanding attention. She promises to return in a future episode with the numbers and corpus multiples required to make the strategy work effectively.In listener questions, Archanaa Panda asks whether a large investment made into a Balanced Advantage Fund near market highs should be rebalanced after disappointing returns, leading to a discussion on evaluating funds over three-, five-, and ten-year periods and considering tax-efficient switches only when portfolio fit and long-term performance justify it; an anonymous listener in her thirties seeks guidance on creating a self-funded health reserve for her ageing father who is largely uninsurable, prompting Monika to discuss super top-up policies, dedicated healthcare buffers, and why diversified funds are preferable to sector-specific healthcare funds; and another anonymous 28-year-old listener asks whether to focus on stocks or mutual funds while beginning his investment journey, giving Monika an opportunity to reinforce the importance of emergency funds, health insurance, and using mutual funds as a simpler and more reliable path to long-term financial independence.Chapters:(00:00 – 00:00) The Three Pool Retirement Strategy for Peace of Mind(00:00 – 00:00) How the Spend It, Protect It and Grow It Pools Work Together(00:00 – 00:00) When Should You Rebalance an Underperforming Mutual Fund?(00:00 – 00:00) Building a DIY Health Fund for Parents Without Insurance(00:00 – 00:00) Why Mutual Funds Beat Stock Picking for Most Young InvestorsIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's book on mutual funds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's workbook on recording your financial life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Calculators⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production House: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production Assistant:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

You know the ick. That tiny thing someone does that you just can't unsee. Turns out money has them too.  This week Mel and Lawsie rate 10 financial icks out of 10  and then, because they can't help themselves, they flip every single one over to show what it's actually hiding underneath. Because here's the thing: nobody does the icky money stuff because they're a bad person. They do it because of a story.  It's funny. It's a little bit savage. And it ends somewhere that actually matters.  In this episode:  The Calculator at Dinner — boundaries vs the surprise audit  The Bargain Brag — why a discount quietly hijacks your brain  The $40 Afterpay — how the drip-feed hides the price  The Points Evangelist — who's really winning the points game (spoiler: not you)  The Leased Lifestyle — why real wealth is mostly invisible  "I Forgot My Wallet" (again) — avoidance vs cashflow shame  "Investing is just gambling" — fear dressed up as principle  "I'm just hopeless with money" — the badge so many women wear, and why it isn't true  "I've made 7 figures in my business" — revenue vs profit, and the numbers women aren't asked enough  "My partner handles all of that" — the one Mel will go to the wall on  Pick the one that stung the most. That's the one to start with. Not all ten. One. Want more? Monday Money Hacks (free weekly): https://www.melissabrowne.com.au/subscribe  Mel's Secret Business Club (MSBC): https://www.melissabrowne.com.au/msbc —  General Advice Warning: This podcast contains general information only and does not take into account your personal circumstances, objectives or needs. Mel Browne Money Pty Ltd is a Corporate Authorised Representative of Rask Licensing Pty Ltd (AFSL: 563 907). Please consider whether the information is appropriate for you, and speak to a licensed financial adviser, accountant or tax professional before making any financial decisions. Past performance is not indicative of future performance.  For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at hello@melissabrowne.com.au.  Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review. 

A mortgage calculator can show numbers, but it cannot tell you whether homeownership is truly possible for your life, goals, and budget.First-time buyers often use mortgage calculators as if they are financial advisors, but those tools only answer a tiny part of the homebuying question. This episode explains why online calculators miss key factors like credit strategy, debt-to-income ratio, down payment assistance, grants, lender credits, local programs, and long-term goals. Buyers learn why comparing rent directly to a mortgage payment can create fear instead of clarity. The real takeaway is to use calculators for education, but build a full homebuying plan with a team that can show your actual starting point. “You shouldn't be told if you can start. You should be told where to start.”– David Sidoni, First Time Homebuyer Coach HighlightsWhat if your mortgage calculator is missing programs that could lower your cash needed to buy?What if the payment you saw online is not your real affordability picture?What if your debt, credit, job history, or student loans are not the roadblocks you think they are?What if the better question is not “Can I buy?” but “Where should I start?”Referenced EpisodesEpisode 443 – First Time Homebuyer FAQ: What Can I Actually Afford in 2026?Episode 460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?Episode 480 – How to Buy a Home Explained in Under 20 Minutes (First Time Home Buyers)Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Heat hits differently when you're a burn survivor—and this week, we're getting into the science behind why. ☀️Rachel and Amber sit down with Dr. Craig Crandall, Professor of Internal Medicine at UT Southwestern Medical Center and Director of the Thermal and Vascular Physiology Laboratory at Texas Health Presbyterian Hospital Dallas. For over 20 years, Dr. Crandall has been continuously funded by the NIH to study the long-term thermoregulatory and cardiovascular effects of severe burn injuries and he brings all of that expertise to the table in this conversation.We dig into how Dr. Crandall first found his way into burn research, what actually happens in a survivor's body during heat stress, and why heat tolerance looks so different after a burn injury. From there, we walk through the Burn Survivor Heat Risk Calculator—breaking down what each input means (think TBSA, burn location, body weight, activity level, and more) and why it matters for your safety. We also cover cooling strategies, why your heart rate might spike in the heat, and the critical role hydration plays in regulating your body temperature.

If you keep doing what you're doing today, when will you become financially independent?In 10 years? 25 years? Or never?Most people have no idea. But after watching this video, you will know your financial independence number and exactly how long it will take you to get there.Most financial independence calculators are wrong for investors living in Belgium, because they ignore Belgian-specific taxes and investment fees. This one doesn't.I built this tool based on evidence-based investing principles and my experience teaching over 500 professionals in Belgium how to start investing.What we cover:→ How to calculate your financial independence number→ How long it will take you to get there at your current savings rate→ What you can do to get there faster→ The real cost of investing with a robo advisor or bank funds vs index ETFs→ What happens if you don't invest at all→ How fees can cost you years, if not a decade⏱️ Chapters00:00 Introduction00:14 When will you become financially independent?01:44 Why most FI calculators are wrong for Belgium03:38 What this calculator shows you04:28 Robo advisors and bank funds vs index ETFs05:36 The real impact of fees05:54 The cost of not investing06:28 About this tool07:00 How to download the FI CalculatorFree tools mentioned:

Discover how Australian investors and finance officers can master franking credits to prevent double taxation and optimize returns. From refundable tax offsets to the 45-day holding rule, we unpack calculators, eligibility rules, and strategic approaches for different investor profiles. Taxrates.info City: Pingelly Address: PO Box 96 Website: https://taxrates.info

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

Welcome Michał Zalewski, AKA lcamtuf! The lcamtuf Substack is where Michał is writing most these days Chris first found and geeked out about the CNC guide on the lcamtuf original site (discussed many times here) Michał is interested in the craft of teaching electronics He recently published The Secret Life of Circuits with No Starch Press Use the code AMPHOUR26 for 30% off The Secret Life of Circuits valid from June 1st through June 30th It was announced on his blog here Deriving fomulas from basic trigonometry sometimes bugs people who think electronics should only work with calculus Software geeks follow the site, often getting lots of attention on Hacker News Row hammer DRAM There were no Information Security degrees in the early days, so the field was made up of folks with backgrounds in math and EEs Fuzzing for security SMBC cartoon for blming humans Books American Fuzzy Lop The Tangled Web P0f v3 Silence on the Wire Security stuff (including books on the subject) ages over time, as opposed to electronics On the subjects of Calculators (and Michał’s collection) Calculators are a footnote in the history of computing, but still intriguing Dead ends in calculators CRT displays on calculators Nixie tubes Discrete moving into logic gates into processors Mechanical calculators are rare and get a high price online Working with transistors The Secret Life of Circuits start with FET based transistors vs BJT BJTs are often right after diode chapter because of the multiple junctions in an NPN, but that doesn’t make it easier to understand Projects A recent project involved making a clock out of current meters  Woodworking and AI example Want to see all lcamtuf articles in one place? Sokoban Sir box-a-lot

Jesse got free drinks by papering a city meeting, Nate does mental math like a demon, and somehow the show ends up deep in Revelation debating whether Trump is the Antichrist. Also: AI art ownership, dung beetles, and the NBA Finals happening somewhere without them.

In this episode, Monika takes listeners inside a recent meeting with Finance Minister Nirmala Sitharaman at the newly inaugurated Kartavya Bhavan. What begins as a visit to present the latest editions and translations of her books becomes a broader reflection on policymaking, public service, and the government's focus on financial consumer protection. She shares her impressions of the transition from the historic North Block to the modern Ministry of Finance offices, describes conversations around financial literacy, mis-selling, and her new online education initiative, and offers a personal glimpse into the people and institutions shaping India's economic policy. Along the way, she reflects on the importance of fiscal prudence and why India's economic foundations remain stronger than many people realise despite current global uncertainty.She then turns to a question from Balaji in Bangalore about one of the biggest challenges in personal finance: planning for retirement in a world where future expenses, inflation, healthcare needs, and even lifestyle expectations are impossible to predict with certainty. Monika explains why retirement planning has been described as one of the hardest problems in finance, discusses the role of inflation targeting by the RBI, and outlines her own framework for managing retirement income through a combination of cash, debt, and equity. The conversation explores how investors can build resilience into their retirement plans without relying on precise forecasts and why flexibility often matters more than accuracy.In listener questions, Saahil from Kolkata asks whether passive investors should trust a single index fund or diversify across multiple fund houses, leading to a discussion about the legal structure of mutual funds, operational risks, AMC failures, and the role of diversification for young investors; and Rama from Pune raises the often-overlooked question of how to actually use accumulated wealth after retirement, prompting a conversation about withdrawal strategies, retirement corpus adequacy, balancing equity and debt in later life, and the importance of preparing not just for the accumulation phase of investing, but also for the decades that follow.Chapters:(00:00 – 00:00) Inside My Meeting with the Finance Minister: Books, Consumer Protection and Mis-Selling(00:00 – 00:00) Retirement Planning Beyond Inflation: Building a Corpus That Lasts(00:00 – 00:00) Index Funds, AMC Risk and the Simplicity of Long-Term Investing(00:00 – 00:00) Managing Retirement Withdrawals: When and How to Use Your Investments(00:00 – 00:00) Listener Questions on Wealth Preservation, Insurance and Financial Freedomhttps://x.com/monikahalan/status/2059623668616249611https://x.com/monikahalan/status/2059838775619145737If 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

Today we're going to talk about business and personal calculators. I'm not talking about something in your hand, or on your phone, where you multiply and divide. I'm talking about things that will evaluate your business with all different parameters that you can type in. So you can see, if I pay my mortgage off early, or if I get this loan at a certain percentage rate, what's my payment going to be? And a whole bunch of other ones that I'll tell you about. Launch Team - https://www.ScrewTheCommute.com/launchteam Please watch this short trailer to the end and leave a comment - https://www.facebook.com/AmericanEntrepreneurFilm/videos/558575401181955 AI Hacks - https://www.ScrewTheCommute.com/aihacks Free Calculators - https://www.415group.com/free-debt-and-credit-cards-calculators Screw The Commute Podcast Show Notes Episode 1128 How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Training Center - https://imtcva.org/ Higher Education Webinar – https://screwthecommute.com/webinars See Tom's Stuff – https://linktr.ee/antionandassociates 00:23 Tom's introduction to Personal and Business Calculators 02:16 Keep your eye on your finances 05:27 Loads of calculators for you to use for free Entrepreneurial Resources Mentioned in This Podcast Higher Education Webinar - https://screwthecommute.com/webinars Screw The Commute - https://screwthecommute.com/ Screw The Commute Podcast App - https://screwthecommute.com/app/ Screw The Commute Podcast Producer - https://screwthecommute.com/larryguerrera/ College Ripoff Quiz - https://imtcva.org/quiz Know a young person for our Youth Episode Series? Send an email to Tom! - orders@antion.com Have a Roku box? Find Tom's Public Speaking Channel there! - https://channelstore.roku.com/details/267358/the-public-speaking-channel How To Automate Your Business - https://screwthecommute.com/automatefree/ Internet Marketing Retreat and Joint Venture Program - https://greatinternetmarketingtraining.com/ This is the shopping cart system Tom uses! Kartra - https://screwthecommute.com/kartra/ Copywriting901 - https://copywriting901.com/ Become a Great Podcast Guest - https://screwthecommute.com/greatpodcastguest Training - https://screwthecommute.com/training Disabilities Page - https://imtcva.org/disabilities/ Tom's Patreon Page - https://screwthecommute.com/patreon/ Tom on TikTok - https://tiktok.com/@digitalmultimillionaire/ Email Tom: Tom@ScrewTheCommute.com Internet Marketing Training Center - https://imtcva.org/ Related Episodes Zoom Notes vs AI Companion - https://screwthecommute.com/1127/ More Entrepreneurial Resources for Home Based Business, Lifestyle Business, Passive Income, Professional Speaking and Online Business I discovered a great new headline / subject line / subheading generator that will actually analyze which headlines and subject lines are best for your market. I negotiated a deal with the developer of this revolutionary and inexpensive software. Oh, and it's good on Mac and PC. Go here: http://jvz1.com/c/41743/183906 The Wordpress Ecourse. Learn how to Make World Class Websites for $20 or less. https://screwthecommute.com/wordpressecourse/

Can you really know if you're ready to retire? Jeremiah and Alex spend much of this episode unpacking one of the most commonly misunderstood tools in financial planning: retirement projections and Monte Carlo simulations. They explain what an 85% or 90% probability of success actually means, why those numbers can be useful, and where they can create a false sense of certainty if they're viewed in isolation. They explores sequence-of-return risk, retirement spending assumptions, inheritance surprises, and the reality that successful retirement planning requires far more than simply hitting a target number. Later in the show, Jeremiah and Alex tackle another area where people often misunderstand the rules: company stock compensation. They break down how RSUs, stock options, and employee stock purchase plans work, why taxes can catch employees off guard, and the planning opportunities available when company stock becomes a meaningful part of your net worth.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

In this episode, Monika responds to the atmosphere of fear and panic spreading through everyday financial conversations — from rumours about banks collapsing to people withdrawing savings based on WhatsApp forwards and social media anxiety. Using history as her anchor, she makes a powerful argument that nations do not simply “roll over and die.” Companies fail, markets crash, governments stumble — but nations survive, adapt, reform, and rebuild. She walks listeners through some of the most severe economic crises faced by countries around the world, from Argentina's repeated debt defaults to Germany's hyperinflation and South Korea's gold donation campaign during the Asian Financial Crisis, showing how recovery eventually followed even the darkest moments.She then turns to India's own history of economic survival and reinvention. From the humiliating 1966 rupee devaluation and food shortages, to the 1991 balance of payments crisis when India pledged gold for emergency loans, to the 2008 Global Financial Crisis and the economic devastation of COVID-19, Monika traces a recurring pattern: every crisis initially feels catastrophic, but India repeatedly emerges transformed rather than broken. She argues that while growth may slow and reforms may become unavoidable, today's India is fundamentally stronger than in earlier crises — with healthier banks, stronger foreign exchange reserves, a large digital economy, and growing geopolitical relevance. Her central message is one of practical resilience: prepare for turbulence, not collapse. Build emergency buffers, diversify wisely, avoid panic, and resist fear-driven rumours. The episode ultimately becomes a reminder that survival and recovery are deeply embedded in both economic systems and human behaviour.In listener questions, Jennifer asks how to structure a retirement corpus while preparing for the steep maintenance costs of a redeveloped Mumbai home, leading to a discussion on safe investing, inflation-adjusted retirement planning, and avoiding unnecessary risk later in life; Shantanu Bopardikar shares thoughtful feedback on wanting more advanced guidance around evaluating underperforming mutual funds, portfolio diversification, and passive-income planning, prompting Monika to explain her philosophy around “forever funds,” long-term consistency, and allocation-based investing; and an anonymous Bengaluru-based listener seeks advice on balancing his own financial growth with concern for his ageing parents' retirement security, health insurance, and inherited assets.Chapters:(00:00 – 00:00) Why Nations Don't Collapse the Way We Fear They Will(00:00 – 00:00) India's Darkest Economic Crises — And How It Recovered Every Time(00:00 – 00:00) What Today's Slowdown Really Means for Your Money and Investments(00:00 – 00:00) Managing Retirement, Redevelopment and Financial Safety in Your 60sIf 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

My youngest daughter, who is supremely intelligent, refuses to use AI. She doesn't want it plagiarising her, she says, and she doesn't want her mind to get lazy. She's currently taking her finals at Cambridge, where, she tells me, almost everybody is using it for everything. But she won't. And good for her.Another friend won't touch it either, because she is so fiercely protective of her privacy and doesn't like AI and social media having so much access to our inner lives. But these people are exceptions. Almost everyone I know is now using AI constantly.I am a prime offender.I use it to make trivial decisions. I get it to draft emails and messages that are too sapping to write myself. I've used it to draft contracts that would otherwise have cost me thousands in legal fees. I use it to summarise research papers and articles, evaluate investments, plan trips and organise logistics. It's a great sounding board. It helps me proof read these articles, does the pics and writes all the SEO stuff I can't pretend to understand.It is my personal trainer, and tells me what exercises to do. Yesterday I got it to analyse my body fat from a photograph. I've even had it analyse my stools.Last year (and the year before, and the year before that), I was stuck in a toxic relationship I couldn't seem to break out of, even after we separated. At one point I thought I was going mad. I eventually uploaded our entire WhatsApp exchanges into AI and asked it to tell me WTF was going on. I discovered I have “fixer bias” she was an “anxious attachment avoidant”, or something like that, and the combination of the two types is highly toxic and addictive. Finally, I understood why I couldn't break out of the loop, and what I now had to do to move on.My mother uses it non-stop as well, and it has become a brilliant companion to her.My son and daughter-in-law, both of whom I live with, constantly take the mickey out of me because I've become so dependent on it.One of my faults, and there are many, has always been that I give my power away too easily, especially in negotiation. I worry too much about upsetting people or creating friction. Using AI has helped me phrase things, removed my stupid ego from the conversation, helped establish boundaries, not made me look needy or arrogant, stopped me saying the wrong thing to the wrong person at the wrong moment. As a result I have closed several deals and opportunities over the past year that I simply wouldn't have managed previously. I wouldn't have known what to say. I would have held back, worried about rubbing someone up the wrong way. Instead, everyone walked away happy.But it's not just me. I've noticed many others doing it too. When I travelled to Namibia recently, the trip was logistically complex. I spoke to the travel agent almost every other day. Being lazy, I got AI to write my messages to her, but I saw she was doing it back to me. I knew what she was doing and she probably knew what I was doing. It didn't matter, the important thing was the trip. Neither of our egos got in the way, and the trip went without a hitch.Which got me thinking.Never mind the looming political and financial crises, or the various civilisational catastrophes currently unfolding, at grassroots level, something quietly significant is happening: more and more people are using AI to advise, negotiate, communicate and make decisions. Outcomes are improving as a result.If more and more people consistently make better decisions, the cumulative effect of all these better outcomes will be enormous. Better decisions, better communication, fewer conflicts, fewer bad deals, fewer toxic relationships dragged out past their natural end. The incremental gains, multiplied across enough people, look genuinely civilisational.Subscribe to this amazing publication.The really profound shift is not that AI writes emails, and makes you generally more productive. We have always “outsourced” cognition. Writing outsourced memory. Calculators outsourced maths. SatNavs outsourced navigation. AI is outsourcing judgement itself.I was actually considering reaching out to somebody recently. AI advised me not to, and when it explained why, I realised it was right. Contacting them would have been selfish and unfair.Now, obviously, there are downsides.By relying on AI, parts of the brain undoubtedly atrophy. I used to remember phone numbers effortlessly. Now I barely know anybody's number because my phone remembers for me. The same thing happened with memory generally. Human beings once had extraordinary recall because they had to memorise stories, events and oral histories. Writing killed that. I had a good sense of direction, which I barely tap now I have Google Maps et al. AI will also increase manipulation, cowardice and passivity. As individuals we become weaker and dependent. Eyesight was probably better before we invented glasses.There is also something deeply unsettling about a computer programmed by someone anonymous who isn't you helping make your decisions for you. Part of living is making wrong decisions, suffering the consequences and learning not to repeat them. But frankly, I'm done with bad decisions. I've made enough wrong decisions for one life. I'm 56 now. I just want to make optimum choices and have a really good next three or four decades, or however long I've got left.There are also obvious dystopian implications. AI companies now potentially have access to thoughts, fears, fantasies and private conversations that once existed only inside your own head. What happens when AI records become admissible evidence? What happens when the things you've confided to a chatbot are subpoenaed? These are not hypothetical worries. They are coming. Stupid conversations with a chatbot that you thought were just in your head could be used as evidence against you. There are all sorts of dark possibilities.But on balance, and with eyes wide open, I think the impact is going to be enormously beneficial. Not just for individuals but for mankind as a whole. In case you missed it, this week's commentary is on copper. Not the sexiest subject, I grant you, but an important one, and I think it's one of the better pieces I've written in a while. I also have an interview with Goldfinger Capital about The Secret History of Gold, which continues to get extremely encouraging feedback..Thank you, as always, for subscribing to The Flying Frisby.Until next time,Dominic This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Using calorie calculators and what they don't tell you, barefoot shoes, how to gain weight properly and how to measure/quantify it, and much much more!SUMMER SWOLE SPECIALS: https://summerswole.com

Martin MacDonald is one of my longest sought after guests and we finally got to sit down and record a podcast. And it's worth the wait.You've heard the narratives about:Faster weight loss causes greater weight regain laterSlower fat loss leads to better long term successFaster weight loss contributes to eating disordersFaster weight loss causes metabolic damageMore aggressive dieting automatically causes greater muscle lossDeeper calorie deficits cause more hungerWell, what if we told you none of this is true and that there's 50 years of research and evidence to support aggressive dieting as a superior approach for most people.Martin breaks down this evidence in a thorough masterclass on aggressive dieting. This includes:The research and practice debunking all of the above long standing beliefsParameters on the appropriate rate of and approach to aggressive dietingThe advantages of taking a structured aggressive approach to dieting for fat lossHow an aggressive dieting approach can blunt hungerWhy shorter more aggressive periods of dieting can lead to better outcomes for most peopleThe handful of categories of people aggressive dieting isn't suitable forNuanced thoughts comparing GLP-1 medications to aggressive dietingWhat Martin means by granting “Unconditional permission to eat”Changing beliefs with evidence across Martin's careerDoes anything change here with menopausal/peri-menopausal womenThe importance of resistance training with aggressive dietingAnd much moreInstagram: @martinnutritionMartin MacDonald Links:Main link for discounts on the AD Blueprint & MNU enrolments:www.Martin-MacDonald.com/GuestNot Another Nutrition Podcast:https://open.spotify.com/show/6AuKu9CqtsQ4tU8CFrceKrCHAPTERS01:27 Are Big Deficits Bad05:17 Defining Aggressive Dieting08:38 Muscle Loss and GLP-1s12:25 Calculator and Muscle Protection22:52 Why Aggressive Dieting Works25:40 Hunger Utopia Explained37:03 Weight Regain Myth Busted46:34 Why Fast Wins Stick48:15 MATADOR Diet Breaks53:00 Disinhibition and Dieting54:58 Refeeds and Multi Phase Plan01:00:50 Positive Weight Regain01:05:50 Unconditional Permission01:13:49 Eating Disorder Boundaries01:17:12 Restriction Mindset Matters01:22:47 Beliefs Versus Evidence01:25:26 Binge Eating Insights01:26:36 GLP-1s and Binge Eating01:29:49 Metabolic Damage Myth01:31:34 Yo-Yo Dieting Explained01:39:44 Who Should Avoid It01:41:20 Athletes and Bodybuilders01:50:38 Menopause and Bone Health01:56:20 Hormones Misinformation02:03:22 Where to Find MartinSUPPORT THE SHOWIf this episode changed how you think about dieting, fat loss, or hunger, you can support the show by:Subscribing and checking out more episodesSharing it on social media (tag me and I'll respond)Sending it to someone struggling with fat loss or dieting confusionFOLLOW ANDREW COATESInstagram: @andrewcoatesfitnesshttps://www.andrewcoatesfitness.comPARTNERS AND RESOURCESRP Strength App (use code COATESRP)https://www.rpstrength.com/coatesJust Bite Me Meals (use code ANDREWCOATESFITNESS for 10% off)https://justbitememeals.comMacrosFirst – FREE Premium TrialDownload MacrosFirst and during setup select ANDREWKNKG Bags (15% off)https://www.knkg.com/Andrew59676Versa Grippshttps://www.versagripps.com/andrewcoatesTRAINHEROIC – FREE 90-Day Trialhttps://www.trainheroic.com/liftfreeReply to the email you receive (or email trials@trainheroic.com) and let them know Andrew sent you

Don examines a ceramic figure connected to a bizarre sighting, a bus model at the center of a mysterious disappearance and a tabulating machine that serves as a reminder of how a bookkeeper saved more than 100,000 lives. Hosted on Acast. See acast.com/privacy for more information.

Brett records an episode without Christina and Jeff and chats with Melissa Davis (The Mac Mommy) about her start as a mommy blogger and longtime Mac podcaster, her tech-support work, and the strange lack of closure when online friends disappear. They trade mental-health and chronic-illness updates, Adderall vs. Vyvanse, difficulty finding curious doctors, and being labeled “worried well.” Don’t worry, they nerd out on mechanical keyboards, Karabiner, and remapping keys. GrAPPtitudes include Bartender 6 Pro, Sortio for AI tagging, Sketch Party TV, and Karabiner. Sponsor OneSkin improves your skincare routine with science-backed skin care products. With over 10,000 five-star reviews and validation from clinical studies, OneSkin has made a name for itself in the skincare industry. If you’re interested in trying OneSkin for yourself, you can get 15% off your order with the code OVERTIRED at oneskin.co/OVERTIRED. Chapters 00:00 Meet Melissa Davis 00:56 Early Podcast Days 02:20 Tech Support Seniors 05:52 Digital Legacy Work 06:50 Sponsor: OneSkin 08:14 Mental Health Check In 08:34 Insomnia And Focus 13:19 Doing Time Tracker 16:04 Suspenders And Stenosis 20:18 Mobility And Home Hacks 22:10 Melissa Health Update 23:25 ADHD Meds And Mutations 25:25 Curious Doctors Matter 27:59 Vyvanse Vs Adderall 30:26 Tracking Mood With Data 32:27 Cane And Somatic Therapy 36:09 Somatics For EDS 36:50 Yoga Modifications 38:19 Polycystic Liver Shock 39:20 Fatphobia In Healthcare 40:56 Pole Dancing Reality Check 41:55 Mechanical Keyboard ASMR 45:56 Nail Art And Picking 49:09 Keyboard Layout Rabbit Hole 01:00:59 Shortcuts And Muscle Memory 01:03:12 GrAPPtitude App Picks 01:14:07 Karabiner Power Tips 01:17:30 Wrap Up And Thanks Show Links hEDS Doing Timing Royal Kludge Keyboard Gamakey Silent Linear Switches EPOMAKER Switch Benefit Section EPOMAKER AegisSil Keycaps Set SketchParty TV Karabiner Sortio Bartender Pro Day One Join the Conversation Merch Come chat on Discord! Twitter/ovrtrd Instagram/ovrtrd Youtube Get the Newsletter Thanks! You’re downloading today’s show from CacheFly’s network BackBeat Media Podcast Network Check out more episodes at overtiredpod.com and subscribe on Apple Podcasts, Spotify, or your favorite podcast app. Find Brett as @ttscoff, Christina as @film_girl, Jeff as @jsguntzel, and follow Overtired at @ovrtrd on Twitter. Transcript Nails and Keys with Melissa Davis (The Mac Mommy) [00:00:00] Meet Melissa Davis Brett: Hey, this is Brett Terpstra. I am without my usual cohorts, Christina and Jeff. Um, so I, I wanted to, you know, get a, get an episode out for all of you listeners, and I reached out to Melissa Davis, known as The Mac Mommy. Um, I don’t, I, I don’t know if they’re still known as The Mac Mommy, but in m- in my lifetime they have been. Um, Melissa, why don’t you introduce yourself, let people know, like, M-Ma- long time, like Mac personality, podcaster. Tell us where you came from. Melissa: Where did I come from? Outer space. Uh, I came from being a mom. I, I, I will admit, this is hard to admit, But I will admit I started out as a mommy blogger. That’s, like, kind of a bad word nowadays. Brett: back, back, yeah, this is way Back when Melissa: [00:01:00] Yeah. Early Podcast Days Melissa: so we’re talking, like… Well, my oldest is gonna be 20, Brett. My oldest is gonna be 20 this summer. End of, end of June he’ll be 20 years old. So that’s about how long I’ve been doing podcasting. I mean, I started, I started, like, when… Well, you know what? I started listening to Adam Christianson’s The MacCast Brett: But you know what? I started Sure. Like one of the very first podcasts, Yeah. Melissa: still, I still listen to him on the Mac Geek Gab. Like, his voice is just so soothing to me. I used to… Like, that was the f- Back when I had, I had, I remember I had, like, an old G4, uh, Quicksilver Mac, and in the stinky little back room of our old house. And I used to, I used to download the podcasts, burn them on a CD, put them in my Walkman, ’cause I didn’t have an iPod yet at the time. I wasn’t that… I was never really that cutting edge. And I’d burn them on a CD, I’d put the CD in my Walkman, and then I would sit and nurse, I would nurse my baby. I, [00:02:00] and I would have to tuck the, uh, the headphones, you know, I’d have the ear- the, the wired, kinda like I have now, uh, and tuck it behind my back, like, behind my shoulder, because otherwise he’d, like, yank on the cord. And I would just listen to podcasts while I nursed. And I… And then, uh, then I met Victor Cajiao, and I started just kind of being, like, a serial podcaster, showing up here and there, and then it just kinda grew from there. Tech Support Seniors Melissa: Um, and I do… So I do tech support. I’m an IT tech s- tech support person. I… People call me their computer guru. I mostly work with, uh, the senior population, our, our vintage people, which I, I’m slowly becoming one of them. We’re all, we’re all gonna go that way. Brett: I feel like anyone who does Mac tech support deals with probably an, a, a population that skews older. Melissa: Mm-hmm. Mm-hmm. Yeah, it’s actually, it’s actually more– I will say it’s actually more difficult to work with somebody younger. Like, especially people my age or people [00:03:00] that are like, say, in their sixties I consider pretty young, 70 even. Uh, yeah, so but it’s, you know, the people are so, so interesting. You can learn so much. I love working with this population because they’re like encyclopedias, and the stories they tell you and the things you learn, it’s pretty amazing. And I could just, I could just spend– I have actually spent all day with some of them. Some of us just have really great chemistry and, you know, it’s… They– I, I’m also– I have ADHD, that’s no secret. And I think when you get older, um, not– it doesn’t affect everybody, but I do see a lot of what could be either they, they have ADHD or it’s like a– Brett: they have Melissa: of creeps in and it’s just a natural process of aging, cognitive decline. So, yep. Brett: have a lot of patience. Sure. S- some of my, some of my most interesting relationships over the last 10 years have been with, uh, Mac users in their late 70s, [00:04:00] 80s. And, uh, like they’ve been– They’re very– Like, they’re definitely… The people that I’ve known have been technically capable and very interested in learning. That’s why they follow me. That’s how I meet them, right? They’re like, they read my blog, which is just all nerd stuff. And, and so they’re, they’re technically competent, and they’re doing things that I can only aspire to be doing in my 70s and 80s. Um, I had a guy who was writing his memoirs at, in between like mountain bike rides. And so here’s the thing, though, is when you, when you know someone online and they’re in their 80s and you stop hearing from them for a Melissa: Yes. Yes. Brett: you have to assume that they have passed on. and that is sad, and you never really get any closure because you don’t know their friends or family. You [00:05:00] never get like a notice, an obituary. You don’t, you don’t know where these people go, um, and you don’t know how to check in on them once your normal channels of communication are severed. Melissa: Yeah, we’re at that age where we probably start reading the obituaries. Like, I haven’t heard from so-and-so in a while. Let me check the obits." Brett: I had, I had– Before NVUltra went on for, what’s it, like five years now, uh, without a release, um, I had a project called BitWriter with David Halter. And Melissa: remember you mentioning that, yeah. Yeah, and you wondered. Mm-hmm. Brett: he stopped responding. Melissa: you find out any at all? Any, Any, concrete… Brett: Nothing. I have put feelers out everywhere I can think of. I have no idea what happened to him. Melissa: went Richard Simmons, huh? Brett: yeah. Yeah. With less Melissa: No contact. No contact. Aw. Digital Legacy Work Melissa: I, I’m lucky that, uh, in my line of [00:06:00] work, I do typically hear from the family if they’ve passed on, because I form kind of a bond with a lot of people. I, I typically don’t lose clients unless they die, so… Brett: and you have some, like, in real life connections to Melissa: Oh, yeah. Yeah, I do, I do both. I do… I have some clients where I’ve never met them in person, I’ve only ever done remote. Uh, and then, but most of my clients are, are local, the majority of them. But I, I still s- see them remotely too, so yeah. I’ve, I’ve actually been hired by some people, um, mostly I’ve had two male clients who they got a terminal illness, they knew they were terminal, and they followed me online and they pretty much hired me to take care of their surviving spouse. So that, that was… that’s a difficult thing, but I’m just honored that they chose me to, to help them out with that. So I’ve kind of been a bit of a digital undertaker in that regard. Sponsor: OneSkin Christina: I want to take a moment to share something that has significantly improved my skincare routine, OneSkin. [00:07:00] So we all have those days when our skin doesn’t feel its best, and I’ve certainly been in that boat, especially recovering from surgery. And I was tired of navigating through endless products that promised results, but often fell short. And that’s when I discovered OneSkin. It was founded by scientists dedicated to longevity, and this brand stands out for its commitment to real science over marketing hype. They tackle the fundamental question of how to actually slow down skin aging rather than just masking it. And their groundbreaking ingredient is, uh, ZeroS01, and it’s a proprietary peptide designed to help deactivate the damaged cells that contribute to aging skin. Since incorporating OneSkin into my routine, I’ve actually been noticing some improvements. My skin feels smoother. It looks more vibrant. Um, it’s definitely more moisturized, and so this is benefiting from its focus on supporting collagen and strengthening the skin barrier. With over 10,000 five-star reviews and validation from clinical studies, OneSkin has made a name for itself in the skincare industry. If [00:08:00] you’re interested in trying OneSkin for yourself, you can get 15% off your order with the code OVERTIRED at oneskin.co/overtired. That’s 15% off at oneskin.co/overtired using the code OVERTIRED. Thank you for supporting our show by checking them out Mental Health Check In Brett: Um, so do you wanna do a mental health Melissa: Sure. Brett: I, I know, I know you’ve listened to the show before. I know you know how this works. Melissa: how this works. Brett: Would you like to start? Melissa: I think I would like to hear you start, and then I’ll, I’ll add on Brett: that sounds good. Insomnia And Focus Brett: Um, so sleep continues to be a major issue for me. Um, I actually for four days in a row last week, I got eight hours of sleep a night, which was insane. I felt so good. Um- The first night… So I take [00:09:00] Lamictal for bipolar, and if I miss my evening dose, I crash and I sleep in the next morning, and I sleep soundly. Like, it’s the best sleep I can get. And then I wake up and all of a sudden the withdrawal kicks in, and then I’m shaky and dizzy for half an hour after I take the dose. Um, but that’s after, like, a solid night of sleep, and it never works two nights in a row. And, like, I’ve tried, like, maybe if I take Lamictal in the mornings instead of the evenings, maybe I’ll sleep through the night. It doesn’t work after that first missed dose. Um, but then I just, without making any changes in my lifestyle, started sleeping, and I thought finally after, like, two years of insomnia, I had turned a corner, because I can’t remember the last time I got eight hours of sleep for more than two nights in a [00:10:00] row. And then it ended, and then I was up. I’ve been up since 2:30 today. Melissa: I wondered, yep. Brett: I mean, I went to bed at 8:00, so that’s still nine, 10, 11, 12, 11, Melissa: I actually dozed off on the couch around 8:30. Like, if only I could just be in my bed right now, just be, like, transported. Yeah. Oh. Brett: Oh, I, I wish. If I could go back to bed… Like, sometimes I’ll, I’ll lay back down around 7:00 or 8:00 and get, like, another half hour of sleep, but it’s really that, like, uninterrupted block of deep sleep that I need, not… I take naps during the day, and I can usually fall asleep for half an hour, um, given that I’m usually functioning on five hours of sleep anyway. But anyway, um, I– That, that’s just kind of par for the course for me, so, like, any, any of our listeners know that that’s gonna be the first thing I report. Melissa: are you, [00:11:00] like, kinda competing? Like, are you trying to get eight hours because that’s what’s prescribed? Have you ever thought about Brett: be- actually, what works eight and a half, like I’ve, I’ve… Back when I had the option to sleep more than five hours, like, I did a lot of kind of experimentation and Melissa: know where your sweet spot is. Brett: Well, it… See, the sweet pot- spot changes as you age, though, and you need less sleep as you get older. So, so I can’t say for sure that eight and a half hours is still my sweet spot. Um, and I think honestly, if I can sleep seven hours, I feel pretty good, and I consider seven hours a good night’s sleep. Melissa: Yeah, ’cause mine’s like between four and six. Brett: really? Yeah. See, Melissa: feel Brett: I don’t function well. Oh, I don’t function well on anything less than seven hours. Melissa: I just have a love-hate relationship with sleep. I just don’t– I just hate to sleep. I just would rather be doing other things. Life is [00:12:00] just too interesting. Brett: I get that. I– get that. I– as someone who’s bipolar and has had like manic episodes where I’m up for five days straight, like I, I love not sleeping. Um, w- when, when I have the mania to give me energy and back it up. It’s when I’m just dragging all day and feel like a zombie. The thing– The, the plus side to it is the more tired I am, up to a certain point, the better I can focus. Like my brain slows down and it’s really easy for me to get into hyperfocus. And like most mornings I’m up at, you know, 2:30, 3:00 and I just start coding. And I can not only hyperfocus, but I can switch focus between three or four different projects like simultaneously. I hit compile on one, I move on to the next one, and I can rotate [00:13:00] through them and like keep track of all of it. And then right around 10:00 AM, my ability to do that ends and suddenly I like flip to a project and I cannot for the life of me remember what I was doing, which is why I’ve spent my life building note-taking apps and, and time tracking tools. Melissa: Yep, same thing. Doing Time Tracker Brett: dude, h- d- I don’t… You might not be familiar with my project Doing. Melissa: N-no, but I– you alluded to something. that’s not what you’re working on with Dan though, is it? Brett: No, no, that’s gonna be Melissa: Dan on that too. I, I, don’t know what it is yet, but yeah, I’m, I’m Brett: Oh, it’s… Yeah, it’s gonna be cool. Melissa: that’s so exciting. Brett: no, Doing is a command line tool where you can type things like, “Doing now podcasting with Melissa,” and it starts a timer for like what I’m doing now, and then I can ask it if I leave and come back, I can say, “What was I doing?” And it’ll tell me, [00:14:00] “You’re podcasting with Melissa.” Obviously, that’s a weird example ’cause I’m not gonna leave in the middle of this. But then it can give you like totals, time, tag-based time totals, uh, for your week and everything. It can show you like what you finished yesterday. Um, it’s not so much a task tracking app as it is a tool for keeping track of what you’re doing in the moment. Um, for, for people like me who switch between four projects at once, it’s really handy. And some guy, some fucking guy Melissa: Some fucking guy. Brett: it, rewrote it in Rust, and it is really good. it is really good. Uh, he like, I- Oh yeah, I use Melissa: Okay, ’cause Brett: This is, this is separate. this is this is a little more ‘ intentional than Timing. Um, I use both. They kind of work together, and Doing can actually import Timing’s JSON exports. So you can turn your, you can turn [00:15:00] all your Timing data into command line, uh, readable Doing files. Um, but anyway, this guy rewrote it in Rust with my permission, and he gave me full credit on the page. And I think I’m switching ’cause Doing is written in Ruby, and Ruby is slow, and Rust is fast. And like my Doing file where it stores all of my current projects, like my Doing items, gets so big that it can take Doing like up to five seconds to respond when I ask it, “What was I doing today?” Which is five seconds is a long time on the command line. Um, and his Melissa: pretty instantaneous. Brett: his version is like 100 milliseconds. Boom. But anyway, Melissa: It’s almost like you built your own little AI thing. Like, what was I doing? What Brett: kinda, kinda, yeah. Melissa: you doing, Dave? Brett: This is, this [00:16:00] was built long before AI was a common thing, but the other thing that’s contributing to my mental health Suspenders And Stenosis Brett: is suspenders. Melissa: Ah, yes. Brett: So I have I have gained 100 pounds, um, not, n-not of my own choice, but like I had rapid weight gain and I recently got a stenosis diagnosis, which I hate the Melissa: telling you, I’m telling you, we’re like 23 and me here. I’ve got that too. Brett: apparently during one of my, like when I gained 50 pounds in like six weeks, my body was looking for places to store all the new fat and decided my spine might be a good place for that. Um, so I have fat in my spine and I have degrading discs. This is separate from my love of suspenders, so I’ll get back to [00:17:00] that. I, um, Melissa: Wait till you get it in your eyeballs. Brett: Oh, for real? Melissa: Yeah, you can have… I have, um, what’s it called? Cholesterol. Yeah, if you look at your eyes really close, if you see like a white kind of w- ridge around your irises, that’s cholesterol. Brett: Oh, wow. Yeah, I hope, I hope that hasn’t happened yet, but who knows? Um, Melissa: Brings out Brett: I– So I have all this, I have all this extra weight and I had a lot of trouble with belts. A, belts hurt ’cause they dig into my, my gut, and they don’t really work. I, every, every time I stood up, my butt crack showed and I had to like wiggle my pants up. And then I I tried a pair of suspenders and it was like a l- a switch had been flipped. All of a sudden my pants just stayed up without any constriction around my waist, just like they just stayed with me wherever I went. And now I can, [00:18:00] I can tuck my shirts in and it actually looks kinda cool when you got the suspenders look going on. Which means, so like for a long time I only wore one brand of shirt, um, and because they, it was, it fit my belly and it was long enough and like it wasn’t, wasn’t baggy around the top and didn’t hang off my belly like a muumuu. Melissa: Mm-hmm, Brett: And like, so I, I, I only wore this brand of shirt and I own like 15 of them, and I would just cycle through Melissa: dresses, they’re just your Walmart $10 cotton tank dress. Love it. Brett: Yeah. But now that I can tuck my shirts in and feel okay about it, I can buy those extra large nerd shirts, ones with funny slogans and stuff on them. And normally those would hang straight down off my belly, and I hate the way that looks. But now I can tuck those in, which means I can get back to wearing funny, [00:19:00] ironic T-shirts, and it, it’s like opening up a whole new world of possibilities Melissa: That is a bonus for mental health. Brett: every day now I put on my suspenders and it makes me happy. Um, Melissa: wonderful. It’s almost like a, like a mobility aid. Brett: Kinda, yeah. Melissa: yeah. Brett: of, I– So I, I have a monopod, um, like a tripod that folds up into a walking stick, and it’s nice and light and it is an adjustable height ’cause it’s designed to be used as a camera tripod. Um, and I’ve started walking with it Melissa: yeah. kinda like you’re Brett: I c- yeah. Yeah. Like one of my fat friends has s- literal like ski poles. They’re like half height ski poles and they walk with them and it helps them a ton, and I Melissa: Yeah, hikers use those. Brett: try that out. But a walking stick [00:20:00] really does help with my stenosis, but I can still, even with a stick, I can only walk for about five minutes, which is about .3, Melissa: Yeah. Brett: 3, .3 miles. Um, and then I have to stop and sit, and it’s been a real pain, literally. Mobility And Home Hacks Melissa: And is standing difficult, too? Brett: standing is worse than walking. Melissa: thing, yeah. Standing’s worse. Brett: Yeah. Like if I am in the kitchen and I’m at the stove cooking, before the onions start to brown, I have to sit Melissa: Yeah. Yep. Brett: Uh, so we now have a stool in our kitchen, Melissa: Do you have one in the shower? Brett: yes. Well, our shower, our shower has a nice, like the back of the tub is a seat. Melissa: Oh, okay. Yeah. Brett: I don’t know if this house was designed by old people or not, but, um, but it’s certainly everything is relatively [00:21:00] accessible in that way. Um, but the stool in the kitchen means I can cook dinner. Emptying the dishwasher is the worst for me. That just like bending over, picking stuff up, and then just moving back and forth, like the five feet across our kitchen. My– I, it takes me three stops, three rests to get a dishwasher emptied. Um, and then I’m kind of ruined after that. I hate it. And I hate that I Melissa: stress mat? Brett: What’s that? Oh, you mean Melissa: mat to stand on? Gotta get, gotta Brett: think that would help? Melissa: Oh, yeah. Yeah, I have Brett: used to have one Melissa: and one in front of the kitchen, and I don’t even, I don’t even, do the cooking. Brett: Ha. I used to, I used to have one of those in front of the stove when I w- when I didn’t have pain, but just because I was really getting into cooking and I was spending a lot of time, and I was starting to feel it in my knees. Um, yeah, maybe I should do Melissa: I think it’s a fatigue [00:22:00] mat, I think they call it. Brett: Yeah. Melissa: Yeah, Brett: That sounds Melissa: plus they look cool if you get little designs on them and stuff. Yeah. Oh, we could spend the day talking about just mobility aids and ergonomics and all that kind of stuff. Melissa Health Update Brett: Well, it’s your turn. Talk about whatever you like. Melissa: Yeah, you give me some ideas to talk about. Um, yeah, I struggle with a lot of the same things that you do. Um, I’m always like kinda comparing notes every time you post something. I’m like, "Oh No, ‘Cause you talked about Have you … You haven’t started the injections yet, have you? Brett: No, and they just delayed those. I don’t get them until like June 20th or something. Melissa: nervous about those for you, because I’ve had those and I’ve decided to just swear off them, so I’ll just kinda give you just a heads-up. I mean, it does raise your blood sugar, so that’s not great, and, um, it can give you the roid rage, kinda make you angry, so that’s something to watch out for, and more weight gain, so …But it’s like one of those things where you just have to kinda try [00:23:00] it and see if it works, because if it does work, then you could be more mobile and then maybe drop a few pounds and get some of that weight off of your spine. But if it doesn’t work, just know that that can happen, Brett: my doctor did not mention any of those side effects, so good to Melissa: Yeah. Yeah. It’s, it’s the chronic life, so that’s, that’s what, that’s what, uh, affects my mental health, so I’m, I’m really good at faking it. I am actually … I will say I’m actually feeling a little bit more even. ADHD Meds And Mutations Melissa: I’m on, uh … I love when you talk about different prescriptions and stuff. Uh, I just mentioned, so I’m taking Adderall. That is, ugh, it’s a mixed bag. Um, I wanted to ask you about Vyvanse, cause that’s the next thing for me, but it’s, like, super expensive, so I’m trying to make Adderall work as best I can, but I’m, I’m in the process of playing with the dosage. But I think she told me, like, the highest was 30. The thing is, uh, I’ve had genetic testing done, and [00:24:00] I have this condit- not a condition, but it’s a I’m a mutant. It’s a genetic mutation called, it’s, it’s just initials. It’s MTHFR, lovingly known as Brett: you process your, your, chemicals twice as … fast. I have Melissa: Yes, faster processing in the liver. So that’s when she told me, ’cause she started, uh, me out on methylphenidate, and I was like, “Well, what about Adderall?” Because it, I see it work for my kids, you know? The kids are chip off the old block, right? And so I’ve had them tested too, and all three of us are positive for that. It’s lovelin- lovingly known as the motherfucker gene mutation. Um, yeah, so, and it is. It’s, it’s quite a bitch, um, ’cause it causes a whole bunch of other problems. And of course, we’ve talked about Ehlers-Danlos, so I have, uh, hypermobile Eh- Ehlers-Danlos. I’m having a hard time … I’m just having a hard time with that in general, mental health wise, because there’s just not enough awareness about it, enough people, and doctors, doctors and nurses. And you know, I’ll, I’ll say I wanna, I would love to be able to get [00:25:00] to a point where I can just say, “I have H-E-D-S,” or heads or what- however they’re gonna pronounce it, and, like, somebody know what that is when I go in for an appointment. But I still have to explain it, you know? And then that, that cuts into my time. ‘Cause they only … When you’re, when you’re our age, they only give you, like, 15 minutes, if that. When you’re much older, ’cause I’ve had to take, I’ve had to take family members to the doctor, they get a whole lot more time. But, uh, you know, it’s like, "Oh, you’re, you’re too young to be this sick. You’re too young to be this old," Brett: Right. Yeah. Curious Doctors Matter Brett: Um, I did– I found that doctor for me that knew exactly what all those acronyms meant, knew exactly, like, not only did they know what POTS was, they knew like seven different kinds of POTS and what tests to use to narrow it down. And then she got called up to National Guard Melissa: Oh, I wondered, I wondered, what happened to that doctor, ’cause it sounded so Brett: I waited. I was on a, I was on– I w- I had an appointment scheduled that was gonna be six months from the time she [00:26:00] left. Um, and I had it scheduled, and it was on July 7th. And then I got a letter in the mail saying that her Guard duty had been extended, and now I can’t see her again until September. And, like, I’ve, I’ve tried seeing other doctors that work with her, but none of them have the knowledge she has, and it was such a relief Melissa: Is this the curious one? Okay. I always think about you whenever I’m either looking for a provider or in the, in the midst of, of getting, you know, shuffled around to a new provider. I’m like, “I hope they’re curious,” ’cause that made– that meant so much to me when you explained about how a doctor needs to be curious. I’m like, “That’s what I need.” I need somebody… Or even just my therapist. I have a new, a new therapist that I see, and she’s really curious, and I really, really like that about her. That’s something that helps with mental health, is when somebody’s curious, ’cause I’m Brett: it goes h- it goes hand in hand with credulousness. Like, [00:27:00] first they have to be willing to believe you, and like, especially when it comes to invisible issues like EDS. Like, you have to be willing to believe a person and then be curious enough to look for answers. Like, the first step is believing, and the second step is curiosity. Melissa: Yes. I’ve already had my patient record marked as… Have you ever heard this one? Worried well. Brett: No. Melissa: I looked it up. It’s basically hypochondriac. Brett: Yeah, that’s what I was gonna guess. That Melissa: Yep. I actually– I was proud of myself because I actually did confront the doctor about it and I said, “What does this mean?” I said, “I, I looked it up and it kinda concerns me ’cause it makes me look like a hypochondriac.” And she said, "Oh, no, no, that’s just a, a code that we use when we don’t have something else to assign to it so that insurance will pay." Bullshit. Brett: Yeah, right? I feel like that’s exactly the kind of [00:28:00] thing insurance doesn’t pay. Melissa: Mm-hmm. so Vyvanse Vs Adderall Brett: what do you wanna know about Vyvanse? Melissa: Um, a- and I know it’s different for everybody, but I just kinda wondered what your take was on it. Um, how– can you compare it to Adderall at all for me, Brett: Yeah. Melissa: no comparison? Brett: it’s basically a non-abusable, I would call it lower lying version of, of Adderall. Like, it’s in the same family of stimulant as Adderall, but it can’t– It isn’t processed or it’s… I don’t remember how the mechanics of it work, but you can’t snort it basically. Like, it doesn’t, it doesn’t do anything Melissa: Which I wouldn’t wanna do anyway ’cause there’s nothing up here. Brett: Sure. Sure. And then, yeah, I’m not suggesting that was gonna be a problem for you. Um, but it’s also, like, it’s way, um, for me anyway, it’s way calmer. [00:29:00] Um, and there are people that say it doesn’t do anything at all. Um, especially a lot of people, a lot of people say the generic version doesn’t do anything, um, and that the name brand version does, but I haven’t found that to be true. Like the generic, which you’re correct, still costs like 200 bucks a month, um, for the generic. Um, but it is– It’s not my favorite. Melissa: I wondered why– what made you stop taking it. Did it just not work for you? Brett: No, I still take Vyvanse. Um, yeah. Um, I used to take, um, Focalin, which I loved. Melissa: That really worked for my kiddo, yep. Brett: but it also triggered my mania, Melissa: Mm-hmm. Mm-hmm. Brett: so I was always walking this line of like, do I wanna be super productive and manic with like weeks of depression in between, [00:30:00] or do I just wanna be somewhat productive and stable? Um, which is why I’ve stuck with Vyvanse, and my doctor loves it enough for me that she won’t, she won’t prescribe anything else for me at this point. Like, I’ve asked about switching. I’ve asked about moving back to Adderall and things like that, but, Melissa: It seems like you’re, like you’re kinda on an evening out. Brett: Yeah, I haven’t had a manic episode for a couple years now. Tracking Mood With Data Melissa: Do you track it? Do you– Like, have you ever seen those– I keep seeing these ads for it ’cause, you know, the algorithm feeds us the stuff for wearables that are, um, called– I think it’s called Visible, so it makes your symptoms more visible instead of invisible. Like, do you track it? Do you Have you nerded out on your own data? Brett: like my mania and depression? Melissa: Yeah, like do you track it and look at graphs or anything like that to Brett: See, I’ve never had to use an external tool because I can just look at GitHub contribution graphs, and I can look at [00:31:00] my RSS feed, and I can see exactly, like for a period of like eight years, I can pinpoint exactly where my manic episodes were, um, because that data is historically preserved out there on the internet for all to see. Um, it’s, yeah, it’s– Well, and that’s, like I built tools that gathered that, those various sources of data. Um, and then there was a, a tool called, um, I forget. Melissa: cool, though? Hmm. We’ll think Brett: But it could pull, it could pull in all that data. Um, Bell Beth Cooper, Hello Code, I can’t remember the name of the app. Melissa: Yeah, it’ll come to you eventually. Brett: sure. Uh, but it could pull in like your GitHub, uh, commits along with like what the weather was at the time, how many songs you listened to that Melissa: Oh, day one sorta does that, yeah. Brett: Does it now? Melissa: A little bit, yeah, your locations, [00:32:00] um, if you turn on some of those things. Like not– I don’t think it does the music and things like that, but Brett: I haven’t used it for a while. I haven’t used it for a Melissa: I was gonna switch to the journal app. I was actually really… I held off on upgrading to Tahoe for the longest time, but that one kept nagging at me ’cause I thought, oh, you know, maybe. I mean, as much as I love Day One, I, I thought about, I thought about actually switching over, but no. I tried it. I’m, I’m gonna stick with Day One. Brett: Cool. All right. Cane And Somatic Therapy Brett: Um, so did you have, did you have more to add to your Melissa: Oh, I was gonna, I was gonna add on to what you were talking about with the suspenders. I did start… I think you probably… Well, yeah, you commented on it. Um, I started using a cane, and that I have mixed feelings about that. Um, I should have brought it in here so I could show you. I’ll show you later, ’cause, uh, anyway, it’s, it’s purple. I did get a pimp cane. That’s what my husband calls it. I thought, damn it, if I’m gonna use, like, a cane, then it’s gonna be [00:33:00] purple, and I’m gonna like looking at it, as much as I hate to use it, so. So I’ve been trying to use it. I… What you were talking about with, uh, with finding a curious doctor, I do have new physical therapist, um, so I’m really happy about that. Same kind of thing where she’s super booked. I think that’s just how it is. Like, the really good ones, they’re good, and, you know, it shows because it’s, it’s hard to get in to see them. So yeah. So I’m, I’m looking forward to that. We’re gonna be doing… Have you heard of somatic therapy? Brett: Yeah. Melissa: Yeah. So ha- have you tried it? Do, do you like it? Okay. That’s, that’s what I’m embarking on. Brett: I actually have a friend who teaches classes in it. Melissa: Oh, Al probably knows about that. Brett: y- yeah, Melissa: Yeah, I’ll, I’ll Brett: and it is, it is amazing how hard just doing things, doing motions you’re used to, but doing them very slowly and intentionally. It is like you– Just like, Just like, doing y- like a clamshell where you drop your knee, you’re [00:34:00] on your back and you drop your knee down to the side and bring it back up. Like that motion, most of us, even infirmed people can do that okay. You try to take… You try to do that and take like five breaths in each direction, and you’ll start shaking. It’s very Melissa: Ah, uh-huh. Yep. Brett: Yeah, but it’s good. Like it’s g- it really retrains your muscles. It really, it strengthens, retrains, and helps with, uh, finer motor control. Melissa: Oh, that’s interesting. Yeah, I, I’m, I’m a little bit on the skeptical end of it, so that’s why I’m, I’m glad that, that you, you vouch for it too. It’s like I know that it works, but I just… I guess I wanna understand the science of it a little bit more. Like, for example, I’ve tried, uh, acupuncture, and I just didn’t feel like it did, did anything for me. I think you have to be, like, a believer, and I just Brett: think so. Melissa: I, I, I even did that on purpose knowing that I kinda felt like it wasn’t gonna work. I was like, well, what if I just go into this? ‘Cause, [00:35:00] ’cause I talk to people and they’re like, "Well, you have to believe in it." I’m like, but what if I don’t? I just don’t, you know? I’m, I see it Brett: it’s not medicine if you have to believe in it. Melissa: Yeah. I mean, I see it work for other people. I know there’s, you know, such a thing as placebos and things like that, and I don’t know, it’s, it’s woo-woo and I, I, I like woo-woo stuff. I, it just, it didn’t do anything for me, so… It’s not to say that it doesn’t work for other people, but it just did not work for me, and I, I kind of, I, maybe I just, uh, did that on purpose when I, I try- probably just tripped myself up going into it thinking, well, I just don’t believe it, so if it works, then there must be science behind it. And then, then, I’ll believe. But it didn’t work out, so. So the, I’m a little bit on the fence about the somatic thing, but the, the, the gal that I’m working with is just so, she has EDS herself, and like, like what you were saying, like, she, she knows all about it and she could even, you know, tell me the, the type that she has, and I was like, I met, I met, actually last week I met two zebras in one week. [00:36:00] You, you’re familiar with the, the zebra mascot? If you, uh, the saying goes, if you hear hooves, think horses. But we’re not horses, are we? Yeah, so Yeah, so that’s, that’s our, our Somatics For EDS Melissa: EDS Brett: somatic– somatics you don’t have to believe in for them to work. Melissa: Okay, that is Brett: it’s an actual physical therapy method that trains the finer muscles, um, that surround your larger muscles and, and strengthens those, and it– Yeah, it’s for real. It’s, yeah, it’s not like a… It’s soma- I think, Melissa: w- totally Brett: ’cause I I had the same reaction when someone said somatics, ’cause I think, “Oh, that’s some holistic idea of the body, um, of soma,” and it’s… No, it’s, it’s got legit physical therapy behind it. Melissa: And, Yoga Modifications Melissa: you used to do a lot of yoga too, so that probably makes Brett: I still do. Melissa: Yeah? That’s [00:37:00] wonderful. Brett: it’s gotten really hard. Um, I can’t, I can’t– So I get dizzy Melissa: Yeah. Brett: going from sitting to standing, um, and my back gives out if I am in, like, horse or warrior two for more than a couple minutes. Um, and I can’t do cobras because I have a belly like a nine-month pregnancy. Um, so I have to do, like, prenatal yoga, um, which is actually a thing. Melissa: that’s a good idea. I’m glad you brought that up. I should look Brett: a- and I do chair yoga, um, where I I take the class that everyone else takes, but I modify it to work with… Like, there, there are defined moves that you do with a chair instead of. Instead of doing down dog, you do, like, a 90-degree down dog holding the back of a chair. Um, and you put, like, a knee on the chair to do warrior two, so you’re actually [00:38:00] resting. And Um, and you can do it fully seated too and get at least the arm exercises out of it. So I’ve been trying to maintain, maintain flexibility and some endurance. I’m not doing yoga the way I used to do it, but I am still Melissa: I’ve seen some of your poses. It’s pretty impressive. Brett: Yeah, back in the day. Melissa: W- when you could be upside down. Polycystic Liver Shock Melissa: I should look into that because I, you know, although I’m done having babies, like far done having babies, I have… You probably know about this too, I have polycystic liver disease, which is a really rare type of liver disease, and it’s not fatty liver. Oh my God, I have to keep telling doctors that. That’s the other thing. It’s like, it is not fatty liver. It is not. It- they’re cysts. It’s a totally different thing. I’m basically full of bubbles. So I… But it feels like that’s why I went in to get it. I didn’t actually get that checked. I found it accidentally when I went in for an heart, for a heart CT. That’s when they found it, and for a, a breast MRI, so [00:39:00] both those, those types of scans caught it. The other parts were fine, so my heart’s fine, so that’s a relief. But yeah, so this was a bit of a shock. And so I don’t know exactly what it means moving forward, um, but my entire liver is, like, engulfed in cysts, so. Right? But my blood work is, is fantastic right now, so I’m just gonna keep Brett: That’s good. Melissa: hoping it stays that way. Brett: That’s something. Fatphobia In Healthcare Brett: Um, I I have heard for a long time about, um, doctors being fatphobic and, and always assuming that, um, always assuming that your health i-issue is because you’re fat and not even looking for underlying issues, which has been an interesting experience for me because that really never happened to me. Melissa: Mm. Brett: Um, at least not once I switched to Gundersen from, like, a local clinic. Then I realized that it’s not just being fat that gets you [00:40:00] stigmatized, it’s being a fat woman. Melissa: Mm, I was gonna say try having a uterus and being Brett: yeah. Yeah. Um, like I talked to one of my best friends, April, who he’s, has been on Melissa: by, women doctors. Brett: Yeah. Yeah. And that’s, that’s what April tells me. She tells me all these horror stories. Even after finding care she trusted, she still has to deal with people saying, “Well, if you just lost some weight.” Like, she’s been fat her whole life. She’s in better shape than most skinny people Melissa: Yeah. Mm-hmm. Brett: I mean, she does sit-ups with 50-pound plates and does, like, five, 10 miles at a time on her, like, on her bike and, like, she’s in great shape and still has to walk with the ski poles, and she’s getting her second knee replaced this week. And, like, it, it’s just infuriating to hear the way that doctors dismiss Melissa: You know what the problem is, Brett? Brett: goes through [00:41:00] when Pole Dancing Reality Check Melissa: Not enough doctors have watched fat pole dancers. That is the problem right there. They need more education. Brett: Um, yeah. There’s, there are a couple of, um, queer burlesque shows Melissa: shows, yes. Brett: in my area that almost always include a plus-size pole dance, and it is amazing to Melissa: Oh, it’s mesmerizing. It should be an Olympic sport. Remind me to send you the, the link to, unless you’ve already seen it, have you seen the Deadpool pole dancer? Brett: No, I don’t think Melissa: you are in for a treat. We might just have to put that in the show notes, but I don’t know, I don’t know if your listeners are that, are into that It’s fully clothed, but it’s, there’s even blue Crocs involved. Brett: So this is nobody that you’re seeing on the Melissa: I wondered, yep. I wondered, yeah. Aw, he looks so soft. Mm. Mechanical Keyboard ASMR Brett: So you’ve [00:42:00] gotten really into mechanical keyboards. Melissa: have, I have. In fact, uh, I was gonna, I was gonna see how this might sound, but I, I brought my little box of key caps to show you so that I could say, welcome to my ASMR channel. Brett: That would… is is that a thing? I bet there are ASMR, like, key switch testing. Melissa: yeah, yeah. I’ve run across a couple of videos where, you know, they’ll have a hashtag ASMR in there, and that’s, that’s what it is. Do you experience ASMR yourself? Brett: No. Melissa: No? So when you listen to those videos you don’t get like the s- the tickling of the spine and stuff? Brett: No. Melissa: I do. It actually, it goes, it… I forget. I always forget what the acronym stands for, but it, you know, has something to do with the meridian. So if you can i- imagine your brain like split in half, and I feel it right on this side. It goes, it goes like the, down the back of my head, behind my ear, and down into my shoulder. It [00:43:00] is the funkiest feeling, and I love it. I love it so much. Even when we were talking about animals in the, in the beginning and I even had a cat that would come and just like kind of lick my ear and, oh, I just, I love that. Most people cannot stand that sound. They have the opposite condition where they can’t handle somebody chewing gum. My grandfather had that. Um, some, some kinda, it ends in a tonia. Misatonia or something like that, um, where… I don’t know. Do you have any of those like sound sensory issues? I have a lot of Brett: really don’t. I’m very, I’m very, like, sound Like, I like loud, heavy music. Like, that does something for my psyche. Um, but general sounds, they neither bo-bother me nor stimulate me. Melissa: imagine what that’s like. I just can’t. I’m So bothered, and my kids too, and you know, ugh, God, Brett: So El Melissa: has been problematic. Brett: El is, El is, definitely sensitive to sound, um, in a way that Like, even my [00:44:00] mechanical keyboards can’t be, can’t be on the same floor of the house as Elle. We pretty much live in silence, and that’s fine for me most of the time because, like, it just doesn’t affect me either way. So, like, keeping things quiet is easy, and I focus well in silence. And then when Elle’s gone, I blast my music, and w- when I’m in the car, I blast my music, and then the rest of the time I live in the quiet place. Melissa: Mm-hmm. In The Quiet Place. Brett: Yeah. Melissa: Yeah, we have- something a little similar, but m- my husband and I have, uh… We have our his and hers kind of setup here in, in the, in our den, in our inner study. So he’s got his side and I’ve got my side. So we’re together, and he does a lot of grading papers, and he’s really good about putting his, his earbuds in and just tuning the whole world out. He’s… It’s fascinating to watch that man just [00:45:00] execute. I mean, I just am so envious of people who can just execute. But the, the, the, yeah, the sensory, it’s all about the sensory stuff for me when it comes to keyboards. I actually thought about… I don’t know how popular it would be, but I also thought about making a podcast, a video podcast, that would highlight the intersection of nail art and mechanical keyboards. Because I’ll tell you, that’s actually what… I’ve always loved mechanical keyboards, but yeah, the, the one that I had, someone had given me a, a Matias, and oh, it’s, it’s so loud, but it’s like high-pitched. It’s kinda sharp. And it was even kind of annoying to me after a while. And then it does not, it’s not a mechanical keyboard in that you can’t pull the switches out, so you’re kinda stuck with what you got. Like, you might be able to change the key caps if you could find them, but couldn’t change the switches. And something happened to the S key, and I was like, “All right, it’s over,” so. But I can’t get rid of them either, so one of these days I wanna have like a display of, of keyboards. [00:46:00] Nail Art And Picking Melissa: But what got me, what got me into saying, “Okay, I’m finally, I’m just gonna invest in a keyboard because it’s ergonomically important to me,” is I have… And I can’t pronounce it, so I’m not even gonna try, but there’s a condition, and it’s a self-diagnosed thing. But I, I am a picker. I pick my skin a lot. Um, I think it’s called derma something Anyway, so I wasn’t gonna try to pronounce it. But, uh, I’ve always had that condition since I was a kid. I didn’t even know it was a thing. I just thought everybody get, uh, picks. But then during the pande- during the pandemic, it got super bad. Like, I had, I had, um, some panic attacks and, you know, as a lot of probab- people probably did. But it got so bad to the point where I had picked my fingers and they were bleeding and they were throbbing and they were hurting. And I said to one of my kids, I said to my youngest, I said, “Can you just, like, if I, if I’m picking, can you just let me know?” And then I regretted doing that because then he took it on as this, like, full-time job, you know? And it kinda [00:47:00] gave him anxiety, and I thought, “Oh, okay, that, that was a bad thing to do.” So I s- I let him off the hook. I said, “No, you don’t have to tell me anymore.” Um, because, yeah, ev- even if I went to, like, just kinda, like, clean under my nail or something. So it was actually causing a real problem for the family that I was just picking so much. And it’s not just my fingers, it’s, like, other parts of my body. So I thought to myself, “Well, what can I do about this?” And so I started putting fake nail tips on. And I hate to be all, like… I don’t know, I’m not, I try not to be, like, a very vain person, but I really started kinda falling into the nail art side of things, and I, I just recently learned how to do gel and work with, um, uh, what’s it called? Uh, not resin. So I… Oh, that’s another ASMR thing. Do you like to watch resin pours? Brett: I do, actually, yes. Melissa: that’s… Okay, so if you like resin pours, if you like to watch the viscosity and the way the, the chemicals, like, form together and when they, when they mix colors in and stuff, [00:48:00] that’s what it’s like with nail art but on more of, like, a macro level because it’s, you know, you’re working with small stuff. Like, just, just recently I learned how to do… So I’m showing Brett this on, on camera, but I recently learned how to do the kind of nail polish that you take a magnet and you run the magnet along it, and it makes this, like, a cat’s eye. Brett: Yeah, that’s cool. Melissa: I love it. So, so that, so combining nail art then, and I thought, “Well, now I’ve got these long nails,” but all of my keyboards have been these flat, really low-profile keyboards. And, you know, I just, I started to dread it. So then I was kinda caught between a crossroads. Like, either I leave nails off and I can type really, really fast and have high accuracy with no nails, but then as soon as, as soon as I get, like, a little snag or something, then I start picking and then it’s just, it’s all over then. Or I try to find a way to work with these nails. So that’s what I started thinking, “Well, maybe if I had higher keys.” And so then I just, yeah, rabbit hole. [00:49:00] Went down the rabbit hole, and I’ve, I’ve just kinda been there ever since. And, uh, it really, I think, uh… Let’s see. How long ago did this start? It’s only been about maybe like six months or something like that, so. Keyboard Layout Rabbit Hole Melissa: But in that time so I’ve started, um, building a collection of switches. So I’ve been really interested in both the key caps and the switches. Um, I’ve got my baseboards. I like my Royal Kludge the best. This is… I’m gonna show Brett my Royal Kludge. So, so this is what it’s looking like right now. Brett: Yeah. Melissa: It is very purpley. Um, I did post some pictures. I can… I don’t know if you do pictures in show notes, but I could take some pictures for you It’s got a knob. It’s got, um… Let me see if I can do it real Brett: Do you use the knob. I have a couple keyboards with knobs and even a joystick, and I never actually use them Melissa: Good question. Um, I, I use it, I try to use it for volume at [00:50:00] times, and that’s probably what I use it for the most. But this one does have a… Let’s see if I can get this into focus here, backwards and upside down. It’s gonna be upside down, but you see how you can put, you can put your logo Brett: Oh, yeah. Nice. Melissa: got my The Mac Mommy little logo on there. Otherwise, it gives you the time in military format, so that’s kind of handy to have. Um, but yeah, it’s… To be honest, I, I love the, I love this Royal Kludge because it’s nice and heavy, and I love the form factor. It’s got a number pad, um, because I’m, because I am a grown-ass adult and I need a number pad. Um, but it’s nice and heavy. It doesn’t, it doesn’t move around my desk a lot. I kind of have to type, like, kind of crooked, ’cause that’s just the way my neck goes to the wrong way and stuff like that. So I like being able to fit it on my desk. I have a, I had a larger one made by Red, uh, what is it? Redragon. This is the one that I started [00:51:00] out with. Gonna make lots of noise here. But as you can see, this one is way bigger. And it was, as much as I liked it, I mean, I fell in love with it, but what was happening was my accuracy was, like, really thrown off because I fe- I kept feeling like it just needs to be, like, a couple centimeters to the right or a couple centimeters to the left. It just wasn’t centered very well. So this one, my husband gets all the hand-me-downs, so that one went over onto his desk. Uh, and then I also have a baby keyboard here, and this is another Redragon. This is my little mini one. Brett: that’s, that’s the kind of keyboard I mostly use, like a 70% keyboard. Melissa: Yeah, I think this one’s even 60. Um… Brett: My– The one I’m using right now is, uh, 60. There’s no, there’s no function row, there’s no arrow, there’s no keypad or, like, arrow pad. Um, Melissa: No [00:52:00] arrows? How do you live without arrows? Oh, do you, you mapped your keys to something Brett: so it looks like this, Melissa: nice. I love the Brett: that the, the space bar is split in two. Yeah, my, my, my partner says it looks like, uh, gay ’80s. It’s all pink and blue and purple. Um, but the, the space bar is split, and the right half of mine functions as something called a mod key, and when I hold that down, then my I, J, K, and L keys become arrow keys. Melissa: Oh, wow. Brett: once you get used to it, you never have to take your hand off the home row. Melissa: Oh my God, that must be amazing. Brett: It– Yeah, once you get used to it, it, it’s so… Like, g- moving to a keyboard that doesn’t have that is kind of tortuous. On my MacBook Pro, I have remapped it using Karabiner so that Melissa: [00:53:00] That’s what I’m using. Brett: if I hold, the semicolon down with my pinky, then H-I-J-K-L become, Melissa: Oh, nice. Brett: become arrow keys, so I still don’t have to move my hand all the way down and to the right. Like, that’s such a inefficient movement that then I have to, like… Because I don’t have great feeling in my fingers, so finding, on a low-profile keyboard, finding the, the homing buttons again Melissa: Oh, do you use the humming buttons? See, that’s the thing, I was never taught that. I mean, I took like a ty- I took like a typewriting class back in high school, and I just didn’t like it. I, I just taught myself. I just… I’m an autodidact that way, so I just taught myself. Brett: my dad, back in 1984, we had a typing program on our PCjr, and I Melissa: It wasn’t Mavis Beacon, was it? Brett: remember. I don’t remember. All I know is, like, It taught you touch typing, and it would give you [00:54:00] these lessons, and you would basically just mirror what was on screen. And at the age of seven, I was typing at about 68 words per minute on an, on an old IBM PCjr keyboard. Um, got a lot faster through high school and everything. But yeah, I was, I was, from day one, I was raised to be a touch typist, and, and I took all the classes they had in school. Melissa: But you still touch Brett: labs. Yeah. Melissa: Uh-huh, yeah. So you don’t do the home rows. Brett: No, that is touch Melissa: Oh, touch typing, so you do feel… for the bumps. Brett: Yeah, I feel for the bumps, and then I just, like, my f- my key, my fingers never really leave the Melissa: Oh, yeah. See, I wish I could do Brett: centered home row. Yeah. It’s, it, it’s good. Um, Melissa: And you’re using the split, so my gosh. Brett: What– You get used to that too. Um, like, [00:55:00] I can’t do it with the split far apart. I’ve seen people use, like, splits, like, way out to the sides, and I can’t, my, my brain doesn’t do that. Like, my hands have to be within, like, six inches of each other. Melissa: I always thought, it would be so cool to have something where you could have it, like, raised up like this, right? And use your hands sideways. Brett: Yeah. Well, that’s I mean, that’s essentially, I have, on the bottom of this keyboard, I have these risers. Melissa: Oh, uh-huh. Oh, Brett: So it sits, right now I have it at about a 45-degree tent, tent, tent. Um, but it can go up to more like an 80-degree tent, where you’re actually Melissa: Wow. Brett: uh, almost like you’re clapping, you’re typing. Um, I don’t Melissa: of that. I have a, a, handshake mouse. Brett: Vertical mouse. Melissa: You like… Is that what you have for a mouse too? Brett: no, I, I love Melissa: Trackballs. Oh, trackpads. Oh, okay. Brett: Apple’s Magic Trackpad changed my life. I’ve never used– I’ve never gone back to a [00:56:00] mouse since the first Magic Trackpad came out. Melissa: So you’re all about the gestures then? Brett: yeah, Melissa: Yeah. Yeah, yeah. That’s great. Brett: Bet- bet- better touch tool for the win. Melissa: You know what it is for me, is because of the type of work that I do, and this is very much true for both of us, you do these things because of the type of work that you do. The type of work that I do, I’m in everybody’s homes, so I have to ty- I have to be able to type and use their mouse and, I mean, it’s actually a very dirty job. So I keep hand wipes with me everywhere. Um, that, that was why during the pandemic I was like, “I am not coming to your house and I am not touching the stuff that you just picked your nose and…” Yeah, mm-mm. But, so, so i- it’s been kind of keeping me almost like a purist in a way as far as keyboards have gone all these years. I, I finally just kind of let go and embraced this recently, th- which is why I’m so excited and why I’m just kind of nerding out on it, because when, when I worked [00:57:00] in, like, I’ll call it the industry, um, I got my f- my start in prepress. So I worked in prepress, I was a typesetter, and we had… That’s what I kind of miss. We had the old clunky beige keyboards, and I had my muscle memory such that I think my o- my Option key would have, like, the indentation of my nail on it. You know? ‘Cause I had, just like you have, keys that are programmed. I could… I was a Quark queen. I don’t know if you’re familiar with QuarkXPress? Brett: Oh, yeah. Yeah. I was a graphic designer. I I know Quark. Melissa: Yeah, I loved it. I was… And, and I used it back in the OS 9 days, OS 7 really, is when I started out. Uh, I did not like the OS X vers- OS 10 version of Quark. Did not like it at all. Brett: No, but that’s Melissa: it was slow. Brett: Adobe came out with, what was, what was Adobe’s… InDesign. Yeah. By the time I had started, by the time I had started my own ad agency, we were all InDesign. Melissa: Oh, [00:58:00] nice. Okay. I mean, it was a Brett: and none of the, none of the print shops expected Quark files Melissa: Yeah. Oh, it was so expensive. I remember I had to buy it when I was in college, and I remember it cost, like, $800. I’m probably still paying for that, damn it, in interest. Yeah, so that, that’s how I got my start originally, and that’s how I was doing… I, I went to… So I have, I have a Bachelor of Fine Arts. I went to college in order to be a designer. I wanted to be a designer designer, and that’s what I, what I thought I was good at and thought that I liked doing, ’cause, you know, “Oh, you’re a girl. Go to art school. You like to draw.” You know? I’m always bitter about that because I really wish that I would’ve been able to go… I mean, this was, you know… I’m, I’m 51, so this was back in the day where girls, girls don’t do computers and girls don’t do coding. G- girls don’t do computer science. They didn’t even call it computer science. They didn’t even call it graphic design back then. It was commercial art. Um, so I studied that and, you know, I liked it ’cause I thought, “Well, this is what I could, I could take my art and make [00:59:00] a living into it.” And then fast-forward, um, I just started to fall in love with the technical troubleshooting side of things. So as, as good as I was at the technical typesetting and the technical, like, putting prepress things together, you know, um, uh, key sheets and s- you know, things like that. Do you remember, was there, uh, did you ever use a program called Quick Keys? That was one of the ones Brett: familiar. Melissa: you could map your own keys to things. So w- when I was in prepress and doing typesetting, I used that program and I, I mapped all my keys, and I had all these quick keys and stuff so I could go really, really fast, you know? So when they wanted something done fast, they gave it to me, and I could just fly through documents with this. But then as people learned that I was good at this kind of stuff and troubleshooting, they’re like, “Oh, hey, Roger needs, you know, has a problem. Can you go help him?” So I’d go over to his cubicle, I sit down, and he’s got nothing. You know, he’s got [01:00:00] no quick keys, no nothing, and you just kinda get lost because your muscle memory just adapts to it. And I couldn’t help people the way… And, and that was what it was about for me. I really liked more helping people and troubleshooting and the technology side of things than the actual design process. So I kind of went to the other side with it. And so I just kind of, like, vowed that, okay, I’m not gonna do any kind of, like, customization on my own workstation because then I’ll, my, my muscle memory will map to it, and then when I go to sit down to help somebody else, I won’t… You know, I’ll be so much in my own world that I won’t be able to help them. And so I just kind of, like, remained a, a pu

Episode Summary Alimony is not a formula. It's not a calculator output. It's not what your friend got. In this episode, Karen and Catherine explain what actually goes into evaluating spousal support — and why financial clarity before negotiation is the difference between a settlement that holds up and one that falls apart in six months. The Right First Question Most people ask: “What number should I expect?” The better question is: what financial information needs to be in place before this conversation can responsibly happen at all? Support is not a number. It's a relationship between two households after divorce. Until you understand both households, any number is a guess wearing a lab coat. What Really Drives Alimony Spousal support analysis depends on more than a W-2. Key factors include: • Length of the marriage and marital lifestyle • Full income picture: bonuses, commissions, K-1s, distributions, equity comp, passive income • Post-divorce expenses for each household • Assets — which produce cash flow vs. which just sit there • Debts each spouse is taking on • Earning capacity and time out of the workforce Property division and support are the same conversation, not separate rooms. What someone keeps — and what it costs to keep it — directly affects what support has to look like. Why Calculators Only Get You Partway There Online spousal support calculators are a starting point — not a strategy. They don't verify documents, review bank statements, or account for variable income. They don't know whether bonuses repeat, whether income is partially held inside a business, or whether the lifestyle being used as a baseline was funded with debt. Calculators are only as good as the data going in. In divorce, the data going in is almost never complete on day one. How Long Does Alimony Last? Duration depends on state law, marriage length, type of support, and more — your attorney is the right guide there. But the more useful financial question is: what happens when it ends? Scenario modeling shows both households month by month, year by year, so cliffs and gaps surface before the settlement is signed — not six months after. The Documents That Matter Most • 3 years of personal tax returns (with all schedules and K-1s) • 12 months of bank and credit card statements • Paystubs and bonus history for both spouses • Business tax returns, P&Ls, and distribution records (if applicable) • Current statements for every account: retirement, investment, loans, equity comp Without these, you're negotiating from memory. With them, you can start asking the right questions. In This Episode • Why the support number is the tip of the iceberg • How business income hides inside W-2s and distributions • Why AI tools and calculators are education, not analysis • How scenario modeling changes negotiation from fear to information • A practical document checklist to start gathering this week My Divorce Solution has helped 5,000+ clients across all 50 states gain financial clarity during divorce through the MDS Financial Portrait™ and the We Chat Divorce podcast. www.mydivorce-solution.com This episode is for informational purposes only and does not constitute legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

This Week’s Featured Interview: LINKS from interview: Physicist Lynda Williams: NRC COMMENTS DUE NOW! Numnutz of the Week (for Outstanding Nuclear Boneheadedness): On Lawrence O’Donnell’s cable show The Last Word, former Energy Secretary Ernest Moniz states that Iran already has uranium enrichment levels that could be used to make a bomb (info Nuclear Hotseat presented...

If you've been relying on ovulation calculators, apps, or devices to tell you when you're fertile… this episode might lovingly challenge you. Because what if those “shortcuts” are actually keeping you from deeper understanding—and even deeper connection with God in your fertility journey? In today's episode, I'm sharing: Why conception calculators often miss the mark The difference between “shortcut fertility” and true body literacy How to partner with God (instead of outsourcing to algorithms) A better, deeper, more effective way to support your hormones and conceive This is your invitation to stop guessing… and start understanding. Resources & Links: ✨Join Fertility Framework: If you're ready for deeper support, personalized cycle guidance, and faith-filled encouragement, come join me inside Fertility Framework! Right now, when you join Fertility Framework, you'll also receive the Pregnancy Framework Bundle completely FREE — a $297 value that walks you through exactly what to do emotionally, physically, and spiritually once you get that positive test. This offer ends Friday. Enroll here: bekahyawn.com/course  ✨If you would like personal support on your journey but are not sure how to get started, book a free 10-minute consult with me here: bekahyawn.com/consult

The 2026 LAFHA calculator is here—but do you know the three conditions that determine if an allowance even qualifies? We unpack reasonable food and drink amounts, statutory deductions, exempt components, and the critical twelve-month rule for Australian employers navigating FBT compliance. Taxrates.info City: Pingelly Address: PO Box 96 Website: https://taxrates.info

Facilitator:  SandhyaTopics:  Notifications on home-pods; Labeling people in photos;   Delayed Clicks in watch;  Notifications not working  since update;  Face ID for screen lock;  Phone accidentally waking up; VoiceOver not staying focused in App switcher;  How to add a pass or ticket to wallet;  Reading health docs in PDFs;  Health App; Advantage of using wallet;  Focus jumping in voicemails; Tracking Orders;  Package App;  iPhone Facetime screen share w/VO;  Adding YouTube videos to playlists;  Changing system volume and VO volume;  Anyone use Flighty App;  Changing how SIRI reads numbers;  Using Freeform;  Phone number format;  Unable to get iPhone unjammed;  Navigating One Notes;  Apple Music Playground App; iBytes:  Adding a Series of Numbers with Calculator

In this episode, Monika Halan simplifies one of the most misunderstood parts of personal finance—bonds and debt funds. She explains that a bond is essentially an “IOU,” where governments or companies borrow money and promise to pay interest along with the principal at maturity. Breaking down concepts like coupon, maturity, and face value, she highlights the single most important rule of the bond market—the inverse relationship between interest rates and bond prices. This foundational idea explains why bond investments behave the way they do.She then expands the discussion to debt mutual funds, which allow investors to access the bond market without directly buying individual bonds. She walks through different types of debt funds—ranging from liquid and short-duration funds to gilt and long-duration funds—along with their varying risk levels. The episode also explains the two key risks in debt investing: interest rate risk and credit risk. Using simple mental models, she helps listeners understand when to choose different types of funds and how they compare with fixed deposits in terms of returns, risk, liquidity, and flexibility.In listener queries, Ajay Sojitra from Surat shares his detailed financial plan and early retirement goal, where the advice focuses on increasing equity allocation, securing independent health insurance, and setting more realistic retirement expectations. Ananda Bhattacharyya from Kolkata asks about Macaulay Duration, which is explained as a measure of how long it takes to recover investment value from a bond and its importance in assessing interest rate risk. Raghavendiran Sudhakaran seeks clarity on international investing, where the guidance is to first build a strong domestic portfolio and limit global exposure to a small portion for diversification.Chapters:(00:00 – 00:00) Understanding Bonds, Interest Rates and Debt Mutual Funds(00:00 – 00:00) Types of Debt Funds, Risks and How to Choose Them(00:00 – 00:00) Planning Early Retirement, Asset Allocation and Health Insurance(00:00 – 00:00) What is Macaulay Duration and Why It Matters in Debt Funds(00:00 – 00:00) Should You Invest in International Mutual Funds?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

The Big Bank Theory is a podcast about Exeter City FC. In this episode, there's Goblins everywhere, and we're watching Live Score like nobody's business. ---------------------------- You can subscribe to The Big Bank Theory Extra via Patreon for £3 (+VAT) a month. It helps us stay ad free, and talk plenty more nonsense about the world's greatest football club. patreon.com/BigBankPod

In this episode, Monika Halan addresses growing concerns about whether current global tensions could push us back into Covid-like conditions. While she reassures listeners that a repeat of such extreme disruption is unlikely, she emphasizes that the economic impact of global conflict is already being felt. Using simple explanations, she breaks down how rising oil prices, a weakening rupee, and shifting global capital flows are putting pressure on economies like India. What recently seemed like a stable, “just right” economic phase is now entering a period of uncertainty and stress.She explains how these macro changes affect everyday finances—why inflation rises, how bond yields reflect expectations of higher interest rates and government borrowing, and why stock markets react even before the real economic slowdown becomes visible. She also highlights emerging risks around fertilisers and food security, while noting that India's relatively strong starting position offers some resilience. The core message remains steady: avoid panic, don't try to time the market, and stick to disciplined asset allocation. In volatile times, patience and consistency act as the strongest financial safeguards.In listener queries, Ambika Poddar seeks guidance on becoming financially independent later in life despite being excluded from household financial decisions, where the advice focuses on starting conversations, building personal income streams, and learning to invest gradually. V. R. Srinivas discusses the Arogya Sanjeevani health policy as a low-cost insurance option, highlighting its role as a basic safety net despite limitations. An anonymous listener from Bangalore asks about achieving financial independence within 5–10 years, where the recommendation is to increase equity exposure, secure independent life insurance, and recalibrate expectations around early retirement while continuing disciplined investing.Chapters:(00:00 – 00:00) Will India Be Back to Covid Times? Understanding the Global Shock(00:00 – 00:00) Oil, Rupee and Inflation: What the War Means for Your Money(00:00 – 00:00) How to Become Financially Independent Later in Life(00:00 – 00:00) Understanding Arogya Sanjeevani and Basic Health Insurance Options(00:00 – 00:00) Can You Achieve Financial Independence in 5–10 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

People are losing their minds over a tool.Not war.Not the border.Not grocery prices.A tool.In this episode of Wacky Wednesday, Chad breaks down the embarrassing panic over AI and explains why this whole “AI = cheating” narrative is historically illiterate, psychologically revealing, and mostly pushed by people terrified of losing their gatekeeping power. From calculators to spell check to GPS to Excel, every tool that made work faster and better was first treated like a threat by people who didn't want the playing field leveled.This episode gets into:— why AI is not the scandal people want it to be— why Hollywood hypocrisy on “authenticity” is impossible to ignore— the difference between using AI well and using it lazily— why tools don't replace talent, they expose whether talent was there in the first place— and why the people screaming loudest are usually the ones most afraid of open competitionThis was never really about AI.It was about scarcity.It was about gatekeepers.It was about what happens when the walls come down and the audience gets to decide.Call or text: 252-CHAD-LAWFollow on X, Instagram, and SubstackSubscribe to Common Sense with Chad Law wherever you get podcastsIf you see us, share us. That's the model.00:00 Cold Open: People Are Losing Their Minds Over a Tool02:54 Why This AI Panic Is Historically Embarrassing03:50 Quick CTA Break04:24 Welcome Back + Wacky Wednesday Setup08:19 The “AI Is Cheating” Argument10:00 Spell Check, Calculators, GPS, and Excel15:42 They Don't Understand the Game19:22 Hollywood's Authenticity Hypocrisy27:28 The Right Way vs. Wrong Way to Use AI31:30 Talent, Judgment, and the Human Layer35:27 The Real Diagnosis: Gatekeeping Panic39:39 Why Weak People Fear Tools43:33 The Walls Are Gone47:00 Reagan Reminder49:34 Thesis Close51:36 Final Sign-Off#WackyWednesday #AI #ArtificialIntelligence #Hollywood #Media #CreatorEconomy #CommonSenseWithChadLaw #Tech #Gatekeeping #Podcast

Send us Fan MailIt's time to talk about something really, truly exciting in credit union land.How about online/mobile calculators?Calculators!Yes, I hear those derive laughs but listen up: on this show you will hear from Tim Pranger at Appli, who has developed calculators that users genuinely like and use.  Katie Ullman, vice president of marketing and community at First Source Credit Union in Utica NY, is also on.  That's an institution with around $1 billion in assets. Also on the show is Romanelli, First Source's digital marketing agency.What this trio will tell you is that a good calculator can be fun, it can  bring in new business to a credit union, and it doesn't have to be expensive.  Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Competition Episode: Win £100 Supplement Stack We're running a mini competition across 4 podcast episodes until the end of May. Listen to the episode, answer the question at the end, and email podcast@rntfitness.com to enter. Multiple entries allowed.   Subscribe to the Built for Life newsletter: https://www.builtforlife.io    Twice a week emails designed for high performers and busy professionals who want to look good, feel great and perform at their best.   Try the RNT Fitness Summer Shred 2026 Calculator. See exactly how much fat you can lose in 12 weeks: https://calculator.rntfitness.com   –   Can you stay lean without tracking calories, weighing food, or following a strict plan? In this episode, I break down how I spent a month in Sri Lanka eating out daily, not tracking anything, and still staying in shape and the exact principles behind sustainable, intuitive fat loss. If you want to understand how to move from strict dieting to effortless maintenance, this is your roadmap. Chapters: 00:00 Staying Lean Without Tracking (Overview) 04:52 Why Intuitive Eating Fails Most People 06:40 Principle 1: Lock In Your Breakfast 08:27 Principle 2: Plan Ahead (Especially Protein) 11:23 Principle 3: Be Intentional Eating Out 13:31 Principle 4: Trust Your Gut On Portions 16:01 Principle 5: Drop Cheat Days 17:23 Bonus: One Dessert Rule 18:33 Build A Routine That Travels With You   Follow us: Website - https://www.rntfitness.com  Instagram - https://www.instagram.com/rnt_fitness  Instagram - https://www.instagram.com/akashvaghela YouTube - https://www.youtube.com/@akash_vaghela

This week on Marketing O'Clock: Google is rolling out its first core update of this year, which aims to help surface relevant content for searchers. Plus, there is a new Customer Acquisition Calculator in Google Ads Campaign Settings. Visit us at - https://marketingoclock.com/

This month, listener and first-time (sort of) podcaster John Steib joins Paul to discuss the 1976 one-shot, Super-Heroes vs. Super Gorillas! Our heroes battle the Gorilla Boss of Gotham City, King Krypton, and of course, Gorilla Grodd! Plus, we have the final installment of “Catch Ya Later, Calculator” with Shawn M. Myers! Grab some bananas off the tree and join in the fun! This month's instocktrades.com selections: https://www.instocktrades.com/products/dec237191/jlape-the-complete-collection-tp https://www.instocktrades.com/products/mar257222/dc-finest-science-fiction-the-gorilla-world-tp https://www.instocktrades.com/products/jan240988/planet-of-the-apes-adv-epic-collect-vol-01-og-marvel-yrs-tp All about gorillas and comics: https://comicsalliance.com/history-gorillas-comic-books/ https://twomorrows.com/index.php?main_page=product_info&cPath=98_54&products_id=1839&zenid=fjmtuiic6js978jnq12nljdfk7 Have a question or comment? Have a specific issue you love and want to talk to us about it? Have a favorite issue and want to be a guest? E-mail us at dcspecialcast@gmail.com Follow us on Bluesky at https://bsky.app/profile/dcspecialcast.bsky.social *NEW* Follow the Monthly Planet on Bluesky at https://bsky.app/profile/themonthlyplanet.bsky.social Subscribe to DC SpecialCast: Subscribe on Apple Podcasts: https://podcasts.apple.com/us/podcast/dc-specialcast/id1781264740 Don't use Apple Podcasts? Use this link for your podcast catcher: http://feeds.feedburner.com/dcspecialcast Also available on Spotify, Audible, and Amazon Music This podcast is a proud member of the FIRE AND WATER PODCAST NETWORK: Fire & Water website: https://fireandwaterpodcast.com Fire & Water Facebook page: https://www.facebook.com/FWPodcastNetwork Fire & Water on Bluesky: https://bsky.app/profile/fwpodcasts.bsky.social Fire & Water Podcast Network on Patreon: https://www.patreon.com/fwpodcasts "Cloud Dancer " Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/

Video: https://youtu.be/dUfl7hoxTQIThis episode breaks down why change feels so hard and why we often quit, avoid, or fall back into the same habits even when we know better. Building on the internal calculator framework, it shows how the brain is constantly weighing reward, cost, uncertainty, and control to decide whether to persist or disengage. Anxiety isn't just emotional—it's a signal that cost and uncertainty are rising, pushing the system toward avoidance. You'll see how dopamine, norepinephrine, and deeper biological processes shape effort, quitting, and habit formation, and why your brain defaults to what is familiar and energy-efficient. Most importantly, this episode gives you a new lens to understand your own behavior—and how to interrupt the cycle when your brain is pushing you to quit.White Board Series: Autism & Motivation: The Brain's Internal Calculators https://youtu.be/uKa3wzpRoxQ White Board Series: Autism & Motivation: Why the Brain Repeats, Avoids, Persists, or Quits https://youtu.be/5lsQIJUPgQ4 White Board Series: Why the Brain Hates Change & Chooses Habits https://youtu.be/nTs2m8SGqXcDaylight Computer Company, use "autism" for $50 off at https://buy.daylightcomputer.com/autism and Daylight Kids (!!!) https://kids.daylightcomputer.com/autism ‪Chroma Light Devices, use "autism" for 10% discount at https://getchroma.co/?ref=autism0:06 Internal calculator recap: prediction, state, value, control; Prediction error 2:53 vmPFC as the “scoreboard” (value integration system) 4:27 Value = reward − cost; the equation of behavior 5:27 “Metabolic bank accountant"6:05 Anxiety, dopamine & norepinephrine7:03 Core question: persist vs quit 8:59 Applying the model to real life 10:00 Effort vs outcome; when persistence continues 11:00 When cost rises; slowing down & quitting signals begin 12:36 “running light” vs “running heavy” 15:59 Practical tools: vision control & breathing 17:03 Quitting is mental: astrocytes & “futility signals” 18:04 Overriding the system: pushing past false limits 19:06 How vision & breath “hack” the internal calculator 19:57 Research link: persistence vs quitting (zebrafish model) 20:58 Core message: beliefs, value & behavior control your life 21:26 Behavior pattern loop: try- fail- quit- repeat 21:52 Key takeaway: shorten the gap between quitting & re-engaging 22:20 Final truth: you quit before your body actually fails X: https://x.com/rps47586 YT: https://www.youtube.com/@FromTheSpectrum email: info.fromthespectrum@gmail.com

Subscribe to the Built for Life newsletter: https://www.builtforlife.io    Twice a week emails designed for high performers and busy professionals who want to look good, feel great and perform at their best.   Try the RNT Fitness Summer Shred 2026 Calculator. See exactly how much fat you can lose in 12 weeks: https://calculator.rntfitness.com   –   Getting into shape is one challenge, but staying in shape after reaching your checkpoint is a completely different one. In this episode, we break down why life after checkpoint often feels harder and why maintaining results requires rewiring your mindset, habits, and identity. Learn how the investment phase helps you build the behaviours needed to stay in shape for life.    Follow us: Website - https://www.rntfitness.com  Instagram - https://www.instagram.com/rnt_fitness  Instagram - https://www.instagram.com/akashvaghela YouTube - https://www.youtube.com/@akash_vaghela

The "How Old Are You" Calculator compares your age to moments in history; Pat Sajak is out of his suit on his daughter's TikTok account; One Star Reviews; The five second rule See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why GenX Retirement Is Harder Than Boomers or MillennialsGenX retirement was supposed to be simple: work hard, save consistently, retire comfortably. Yeah... about that.In this episode of Queer Money, we break down why GenX retirement feels so much harder than what boomers often describe and what millennials get all the headlines for. For many Gen Xers, especially gay Gen X men, retirement planning has been shaped by market crashes, the shift from pensions to 401(k)s, rising debt, mortgage pressure, and a culture that told us to figure it all out ourselves. In other words, classic GenX: no map, no backup, and somehow we're still expected to make it look easy.We unpack the seven major reasons retirement has been harder for Gen X, including getting caught in the pension-to-401(k) transition, entering adulthood around recessions and Black Monday, carrying more consumer and student debt into peak saving years, and taking major hits from the dot-com crash and Great Recession at the worst possible moments. If you've ever looked at your retirement accounts and thought, “Why does this feel harder for us?” this episode gives language, data, and context to what many GenXers have lived through.We also go deeper into what makes gay GenX retirement even more complicated. Gay Gen Xers are the first large cohort of gay men to survive into retirement after coming of age during the HIV/AIDS crisis. That shaped how many of us think about money, aging, planning, and whether we even expected to live long enough to retire. Add in decades of workplace discrimination, being closeted on the job, lower earning opportunities, and a stronger pull toward living for today, and you've got an entirely different retirement equation.This episode is honest, validating, and practical. We also walk through how a retirement gap can play out in real life using the Happy Gay Retirement Calculator, showing the difference between retiring with not enough and retiring with room to breathe.Takeaways in this episode:Why GenX retirement planning got harder when pensions disappearedHow market crashes and recessions hit Gen X at critical wealth-building yearsWhy debt, mortgages, and caregiving are slowing retirement progressWhat makes gay GenX retirement different from other generationsHow to start closing the gap and build a more confident retirement planIf retirement feels harder than it should, you're not broken. You're Gen X. And there are still smart ways to make the next chapter fabulous.Chapters:00:00 Intro01:43 - The “pensions → 401(k)” swap03:18 - ‘Double Dip' Recessions05:17 - Calculator Intro06:17 - Calculator example 112:51 - Calculator example 214:26 - More consumer-debt baggage16:02 - Dot Com crash18:51 - Great Recession21:17 - First generation to “survive into retirement”24:24 - The last workplace ‘closeted generation'25:36 - OutroMentioned in this episode:Get Your Portugal Golden Visa Here!Make your retirement fabulous! Not sure if you can retire or when? Worried about how much you can safely spend without running out of money? We help you get clear answers and the systems to retire with confidence and peace of mind. Let's go!Queer Money Retirement VaultWant the confidence to retire when and how you truly want?If you're considering retirement abroad, or simply want a second & third set of eyes on your retirement plan, we help gay foks retire fabulously — wherever that may be. Our retirement mentorship can help you gain the confidence to say yes to retirement! Queer Money Retirement MentorshipYour fabulous retirement in Portugal is calling!Ready to turn your IRA assets into a gateway to living in Europe? With the Optimize Portugal Golden Opportunities fund you can do just that. Join hundreds of other U.S. investors taking control of their retirement and using the assets they have to open doors to freedom. Click below to get your Portugal Golden Visa!Get Your Portugal Golden Visa Here!

Subscribe to the Built for Life newsletter: https://www.builtforlife.io    Twice a week emails designed for high performers and busy professionals who want to look good, feel great and perform at their best.   Try the RNT Fitness Summer Shred 2026 Calculator. See exactly how much fat you can lose in 12 weeks: https://calculator.rntfitness.com   –   Bloating isn't always caused by food intolerances. In this episode, we break down the real reasons many people experience bloating and why the problem is often how you eat rather than what you eat. Learn six simple strategies that can help your digestive system work properly before you start cutting out entire food groups.    Chapters: 0:00 Why Most People Misunderstand Bloating 2:20 The Real Causes of Bloating 4:08 Step 1: Spread Fiber Throughout the Day 5:25 Step 2: Slow Down and Chew Your Food 6:06 Step 3: Avoid Eating While Stressed 7:26 Step 4: Choose Low FODMAP Vegetables 8:37 Step 5: Avoid Huge Meals Late at Night   Follow us: Website - https://www.rntfitness.com  Instagram - https://www.instagram.com/rnt_fitness  Instagram - https://www.instagram.com/akashvaghela YouTube - https://www.youtube.com/@akash_vaghela

Welcome back! Very warm today with a high near 80° expected. In the news this morning, the latest on the most recent Tiger Woods DUI, airports are now warning people that they shouldn't arrive "too early", Chesney the Kangaroo has been captured & returned to his zoo, a woman in TN gets arrested because of an A.I. facial recognition mistake, and a Fox News reporter gets body slammed live on air! In sports, the Bucks are officially out of the playoffs, the Brew Crew sweep the White Sox, the Badger men's hockey team upsets Michigan State in overtime to advance to the Frozen Four, the men's & women's tournaments are winding down, and Chase Elliott wins at Martinsville yesterday. We talked about what's on TV today/tonight. A heroic senior dog takes on a bear to protect her family, and a bunch of pilots come to the aid of dozens of animals. Elsewhere in sports, the NFL is looking at hiring replacement refs, the Vegas Golden Knights make a head-coaching change, and an umpire had a REALLY bad day behind the plate. An interesting online calculator offers up some facts that will make you feel old. And another online quiz to determine how optimistic you really are. And in today's edition of "Bad News with Happy Music", we had stories about a guy in Indiana who stole a semi full of Bud Light and got into a chase with the cops, a Barbie Dream experience that was hardly a "dream", a #FloridaWoman who just won a bunch of money in a lawsuit after she ate ice cream with metal nails in it, and a gender reveal party at a Cracker Barrel that's going viral.See omnystudio.com/listener for privacy information.

Subscribe to the Built for Life newsletter: https://www.builtforlife.io    Twice a week emails designed for high performers and busy professionals who want to look good, feel great and perform at their best.   Try the RNT Fitness Summer Shred 2026 Calculator. See exactly how much fat you can lose in 12 weeks: http://calculator.rntfitness.com   – After years of yo-yo dieting, post-pregnancy struggles, and feeling stuck in her own body, Sheena Patel hit a point where something had to change. In this episode, she shares how she lost 33kg while raising two kids and running a business and how rebuilding her mindset, not just her body, helped her break the cycle for good. This is about more than fat loss, it's about taking back control of your confidence, energy, and life. Chapters:  00:00 33kg Transformation Moment 02:22 Post-Pregnancy Struggles & Lowest Point 13:42 Why Generic Plans Failed 16:22 Why She Chose RNT 23:12 Losing 33kg With 2 Kids & Busy Life 28:48 Handling Social Events & Travel 39:01 Why Year 2 Is The Hardest (Maintenance) 45:23 From Survival Mode to Enjoying Life Follow us: Website - http://www.rntfitness.com  Instagram - http://www.instagram.com/rnt_fitness  Instagram - http://www.instagram.com/akashvaghela YouTube - https://www.youtube.com/@akash_vaghela

BIG UPDATE: The brand new 2026 Creativ Rise Pricing Calculator is here! As always: completely for free! If you're a photographer, filmmaker, content creator or SMM & struggle with how to price your work - start using this tool here.What is your pricing strategy?If it's merely based off the photographer down the street, a low day-rate, or just going with your gut and hoping for the best - this episode (and new tool) is for you.In this episode, Joey walks through the exact pricing framework creative entrepreneurs use to charge confidently for brand photography, wedding packages, UGC content, and social media management retainers using the Creativ Rise Pricing Calculator - which you have access to, completely for free.Most photographers and filmmakers are undercharging - not because they lack confidence, but because they never had a real starting point. So every quote becomes a guess. You borrow a number from a competitor, hope it sounds reasonable, and spend the rest of the project wondering if you left money on the table.This episode fixes that. Joey breaks down the math behind pricing creative services and walk through their completely rebuilt free Pricing Calculator for 2026 - a step-by-step tool built for wedding photographers, brand creatives, UGC creators, and social media managers.

Roger Whitney explores why retirement planning software—especially Monte Carlo simulations—can give a false sense of confidence if misunderstood. He explains what these tools actually measure, the hidden assumptions behind them, and why retirement is a complex problem that requires judgment, flexibility, and resilience—not just a high “success rate.” Roger shares how to properly interpret results, avoid common traps, and use software as a guide rather than a decision-maker so you can build a retirement plan that supports a great life.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the episode topic—why your retirement calculator's success rate can be misleading.PRACTICAL PLANNING SEGMENT(02:50) Roger explains his perspective as a long-time practitioner and outlines his experience using Monte Carlo-based retirement tools.(05:05) Complicated vs. complex problems: why retirement can't be “solved” like a math equation and must instead be managed over time.(09:30) Concerns about overreliance on software—from advisors scaling businesses to individuals misinterpreting results.(11:30) What retirement software actually measures.(13:25) What software does NOT measure.(14:18) Best uses of planning software.(17:40) What software should NOT be used for.(19:40) Key dangers of using retirement software.(23:00) Feasibility vs. resilience: why a plan that “works” on paper may still be fragile in real life.(24:20) The real risk:Overspending early and jeopardizing later yearsUnderspending and missing out on life(26:20) The massive number of assumptions behind every plan—and how small changes can dramatically alter outcomes over time.(38:20) How to interpret results properly.(40:55) Looking beyond the number: evaluating the distribution of outcomes and plan sensitivity.(44:43) Understanding failures:Timing (early vs. late failures)Severity (minor shortfall vs. major gap)(48:27) Best practices:Hold success rates lightlyKeep plans simpleRegularly review assumptionsAvoid over-planning and constant tweakingDefine what success actually means for your lifeSMART SPRINT(56:04) Schedule time to review the assumptions in your retirement planning software—focus on understanding the inputs rather than optimizing the output.CLOSING THOUGHTS(56:50) Roger shares an update on the merger of his firm with Tanya Nichols' firm and the creation of a new company, Retire Agile.REFERENCESlivewithroger.com — Register for Noodle Live on March 28!Submit a Question for RogerSign up for The Noodle

Join Bruce and Josh as they talk with Greg LaBarge is a field specialist in agronomic systems and a professor at Ohio State University Extension, Columbus, Ohio. Greg discusses the Corn Nitrogen Rate Calculator and how farmers can use this research based tool to help make decisions on their operation. The tool can be found here: https://www.cornnratecalc.org/

President Trump announces ICE agents will be assisting TSA agents at some airports around the country.  Plus, the MTS has made an online calculator to see what you could save by taking public transportation. And, local gas prices are still on the rise, reaching closer to the six dollar mark. NBC 7's Marianne Kushi has these stories and more, including meteorologist Angelica Campos' forecast for Monday, March 23, 2026.

In this episode, Bree Hartman shares her journey from fitness to self-storage real estate, revealing how she scaled to over 400 units in less than a year. She discusses key strategies for deal sourcing, managing growth with technology, and building relationships in the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode we answer emails from Nicholas, Nathan and Lisa.  We discuss  how much gold is enough and how much is too much, why calculators disagree and the best ways to use them, and what “better” means when the future is uncertain. We also walk through a FIRE portfolio headed toward retirement and talk briefly about finding an advisor familiar with risk parity principles.And before that, in our Queen Mary segment, we hear a Fairfax CASA story about how consistent advocacy supports kids in foster care.Links:Fairfax CASA Donation Page:  Donate - Fairfax CASANicholas's Gold Analysis Link:  Plotting withdrawal rates, drawdowns, and returns for different risk parity portfolios - Google SheetsTestfolio Golden Backtests:  testfol.io/?s=45IearFlQbVAfford Anything Episode #618:  They Ran Out of Money. I Didn't. Here's WhyAfford Anything Risk Parity Portfolio Blueprint:  Afford Anything frank-vasquez-risk-parity-portfolio-BluePrint.pdf - Google DriveOptimus Bill's Interview on Bigger Pockets Money:  The Decumulation Strategy After Hitting Financial Independence | Bill YountOptimus Bill on Catching Up to FI:  Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196Optimus Bill's Financial Advisor:  Kardinal Financial — Flat Fee & Fee-Only Financial Advisor Bryan Minogue | Madison, WIBreathless AI-Bot Summary:A backtest can make almost any portfolio look brilliant, especially when one tweak “wins” by a fraction of a percent. We dig into one of the most common examples: gold allocation in a risk parity portfolio. If PortfolioCharts shows 20 to 25 percent gold beating 10 to 15 percent for safe withdrawal rate, should you follow the numbers or trust your nerves? We explain where the 10 to 15 percent “sweet spot” comes from, why tiny gold slices rarely matter, and how overfitting turns a clean chart into a fragile plan.From there we zoom out to the real skill: comparing imperfect portfolios without pretending the future will match the past. I share why you should use multiple calculators and multiple datasets, how start dates can change results, and why swapping managed futures, commodities, and gold can flip the outcome. The point is not a magic formula, it is a durable range of allocations that survives uncertainty and keeps sequence of returns risk from wrecking your retirement.We also tackle a detailed FIRE email from a 45-year-old aiming to retire in about five years. We talk expense tracking as the foundation of retirement planning, why liquid assets matter more than net worth, and how to upgrade diversification with Treasury bonds rather than corporate-heavy bond funds. Finally, we cover inflation protection realities, including why TIPS can still drop in a rate shock and why managed futures often behave differently when inflation spikes.If you found this useful, subscribe, share it with a friend planning retirement, and leave a review so more DIY investors can find Risk Parity Radio.Support the show

This week on Fuel for the Sole, we share the latest updates from our sponsor, RNWY, and dive into several listener questions. We cover dehydration during marathons, whether the timing of your nutrition and hydration impacts performance, how to get the most out of Meghann's carb calculator (and why most runners should consider a three-day carb load), and the ongoing debate of chews versus gels on race day.Want to be featured on the show? Email us (written or an audio file!) at⁠ fuelforthesolepodcast@gmail.com⁠. This episode is fueled by ASICS and RNWY!Head over to⁠ ASICS.com⁠ and sign up for a OneASICS account. It's completely free and when you sign up you will receive 10% off your first purchase. You also gain access to exclusive colorways on ASICS.com, free standard shipping, special birthday month discounts and more.Try the new Salty Carbs at https://rnwy.life/ and use code FEATHERS15 for 15% off your purchase. Disclaimer: This content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.

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

Download for Mobile | Podcast Preview | Full Timestamps Older Twitch VODs are now being uploaded to the new channel: https://www.youtube.com/@CastleSuperBeastArchive What Card Games Could Have Been No Other Choice: Writers Are Currently Cooking The Sickest Anti AI Scripts  Alex's Attitude Era Monster Hunter Wilds: More DLC, More Framerate I Got Points on the Back End of Marathon Watch live: twitch.tv/castlesuperbeast Go to http://drinkag1.com/superbeast to get 3 free AG1 & AGZ travel packs + FREE Vitamin D3+K2 & AG1 Welcome Kit with your first subscription order! - Go to http://brooklynbedding.com/superbeast for 30% off. - Go to http://factormeals.com/castle50off and use code castle50off to get 50% off your first Factor box PLUS free breakfast for 1 year. - Go to http://shopify.com/superbeast to stop waiting and start selling. Street Fighter 6 - Alex Teaser Trailer Season 2 Announcement Trailer for Fatal Fury: City of the Wolves 2XKO Season 1 2026 Launch It turns out Monster Hunter Wilds' PC performance issues may be tied to how much DLC you own, as discovered by one player. YouTube are reportedly "cracking down" and deleting custom subtitles on videos. Hololive music videos are among those impacted, who use the "hidden" formats as they allow a much wider range of styling options on subtitles A Reality TV Show Is Going To Put Actual People Inside A Fallout Vault Austin Eruption: I beat Anthem 100% before it died so you don't have to Anthem Executive Producer: The Truth About What Happened on Anthem - Complete (2011-2026)