Podcasts about Calculator

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

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

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

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

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

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

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

Have your salary hikes felt smaller than expected despite years of hard work? In this episode, Monika analyses a decade of Income Tax Return data to explain why India's salaried middle class feels financially stuck. While more people have moved into higher income brackets and the formal economy has expanded rapidly, average salaries within income groups have barely grown, raising important questions about wages, productivity and purchasing power.She explains what these trends mean for employees, why changing jobs and upgrading skills often matter more than annual appraisals, and why your career remains your biggest financial asset. The episode concludes with practical advice on taking charge of your own earning potential rather than waiting for the labour market to change.In the listener questions, Monika advises a young first-generation wealth creator on managing a sudden financial windfall, overseas diversification and avoiding lifestyle inflation. She also explains how debt mutual fund maturities actually work and guides a Hyderabad-based listener on whether downsizing his home can help create a more secure retirement income.Chapters:(00:00 – 00:00) Is Your Salary Really Growing? What 10 Years of Tax Data Reveal About Middle India(00:00 – 00:00) Why Aren't Salaries Rising Despite Formalisation and Economic Growth?(00:00 – 00:00) How Should First-Generation Wealth Creators Invest in a Sudden Windfall?(00:00 – 00:00) When Should You Exit a Debt Mutual Fund?(00:00 – 00:00) Should You Downsize Your Home to Build a Better Retirement Income?If you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's book on mutual funds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's workbook on recording your financial life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Calculators⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production House: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production Assistant:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Today I'm taking you through the findings of a brand spanking new paper that looked at whether or not you can trust maintenance calorie calculators particularly if you're perimenopausal! The paper in question: https://pubmed.ncbi.nlm.nih.gov/42012364/ Sign up to my mailing list to be first to hear about my ✨secret 10 year anniversary surprise✨ Click here

Financial safety isn't about having the highest net worth or the perfect asset allocation—it's about sleeping well at night. In this episode, Monika explores the everyday financial fears that people live with, from job loss and medical emergencies to inflation and market crashes, and explains how to build practical financial safety without becoming paranoid about every possible risk.She breaks down the role of emergency funds, health insurance, asset allocation and simple planning in protecting your financial life. The goal isn't to eliminate all risk, but to cover the basics well enough that you're prepared when life throws the unexpected your way.In the listener questions, Monika answers whether a self-employed professional with a solid financial foundation is ready to begin investing seriously, explains why it's time to exit ULIPs and buy term insurance instead, discusses whether it makes sense to continue older LIC policies that are close to maturity, and reassures an AIIMS doctor that decades of disciplined saving have already put him on track for a financially secure retirement.Chapters:(00:00 – 00:00) How Much Financial Safety Is Really Enough?(00:00 – 00:00) Emergency Funds, Health Insurance and Protecting Yourself Against Life's Biggest Risks(00:00 – 00:00) Should You Wait to Invest Until Your Emergency Fund Is Complete?(00:00 – 00:00) Should You Continue Your LIC Policy or Switch to Mutual Funds?(00:00 – 00:00) Is It Too Late to Start Investing at 55? Building a ₹16 Crore Retirement CorpusIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's book on mutual funds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Monika's workbook on recording your financial life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Calculators⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MonikaHalan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production House: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.inoutcreatives.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Production Assistant:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Anshika Gogoi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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

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

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

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

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

Cast Of The Pod | Evil Dead Burn(2026) Movie Review & Discussion The Cast Of The Pod crew is back! This week, Josh, Deb, Cantu, and Cobweb gather in The Bomb Shelter to sink their teeth into the terrifying new 2026 horror film Evil Dead Burn. Does this latest chapter in the legendary Evil Dead franchise live up to the series' blood-soaked legacy, or should it have stayed buried? The gang delivers their spoiler-free thoughts, Calculator of Doom ratings, and then dives headfirst into a full spoiler discussion packed with shocking kills, terrifying Deadites, memorable moments, practical effects, and everything that makes this film a must-watch—or a must-avoid. Expect plenty of laughs, disagreements, horror trivia, and the unpredictable conversations that only Cast Of The Pod can deliver. Whether you're a lifelong fan of the Evil Dead franchise or just discovering the series, this episode is loaded with horror discussion you'll love. If you're passionate about horror movies, horror podcasts, movie reviews, indie horror, supernatural horror, gore, practical effects, and the Evil Dead universe, this is an episode you won't want to miss.

In this episode, Monika explains why many long-duration debt funds, especially gilt funds, disappointed investors despite the RBI cutting interest rates. She unpacks the relationship between repo rates, bond yields and bond prices, and explains why global bond markets, inflation expectations, oil prices and changing RBI guidance prevented long-term bond funds from delivering the gains many investors were expecting. Her key message is that debt funds are not all the same, and that most investors are better served by safer, shorter-duration debt funds rather than trying to predict interest-rate cycles.She uses the recent performance of debt funds to reinforce a broader investing lesson: tactical bets on interest rates are difficult to get right because long-term bond yields are influenced by far more than RBI policy. While short-duration and accrual-oriented debt funds continued to provide stable returns, long-duration funds became a reminder that debt should primarily provide stability within a portfolio, leaving growth and risk-taking to equities.In listener questions, Sashikant from Hyderabad asks whether the newly launched Life Cycle Funds are a better way to save for his son's education, prompting Monika to explain how these funds work, their current limitations and why she would wait for the category to mature before investing. Nidhi shares an alternative retirement income strategy built around fixed deposits, rental income and mutual funds, leading to a discussion on preserving capital, taxation and retirement planning. Finally, Singaravelu Muthu from Tamil Nadu asks how a beginner should start investing, giving Monika an opportunity to emphasise that financial planning begins with managing cash flows, building an emergency fund and putting insurance in place before choosing mutual funds.Chapters:(00:00 – 00:00) Why Long-Duration Debt Funds Disappointed Despite RBI Rate Cuts(00:00 – 00:00) What Really Drives Bond Yields and Debt Fund Returns?(00:00 – 00:00) Are Life Cycle Funds the Future of Goal-Based Investing?(00:00 – 00:00) Can Fixed Deposits Replace the Three-Pool Retirement Strategy?(00:00 – 00:00) How Should a Beginner Start Investing in 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

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

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

Why does water pool on your driveway after rain? We explore concrete slope requirements, Northwest Arkansas weather challenges, and the techniques pros use to prevent drainage failure on sloped properties. Discover what slope percentage protects your investment. AR Concrete Fayetteville City: Fayetteville Address: 10115 Webb Way Website: https://arconcretefayetteville.com Phone: +1 479 408 4968

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

In this episode of Unpacking Money, Scott Malcolm and Ara Jansen unpack what the post-Budget 2026 SMSF and LRBA conversation may mean for Australians considering property inside super. We will slow down the headlines, explain why limited recourse borrowing arrangements require careful review, and explore the practical questions trustees should ask before establishing, refinancing, restructuring, or exiting an SMSF property strategy. From residential property restrictions and business real property considerations to liquidity, cashflow, compliance and retirement purpose, this episode is a calm reminder that big financial decisions should be strategy-led, documented, and supported by personalised specialist advice. Resources and Calculators: https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf Thanks for listening! We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff! Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here. Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523 General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance. Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.See omnystudio.com/listener for privacy information.

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

In this episode, Monika examines the RBI's new Responsible Business Conduct regulations, which come into effect on 1 January 2027, and asks whether they will finally put an end to decades of financial mis-selling by banks. She explains the new concepts of dark patterns, suitability, and mis-selling, but argues that the regulations lack meaningful consequences. If banks simply have to refund customers without facing serious penalties or management accountability, she believes the incentives to mis-sell remain largely unchanged.She goes on to argue that stronger consumer protection requires more than good intentions. Monika calls for simpler and standardised product disclosures, insurance commission reform, independent mystery-shopping exercises to uncover mis-selling, and meaningful penalties that hold senior management accountable. While welcoming the RBI's recognition that a customer's signature alone is not proof of informed consent, she concludes that lasting trust in India's financial system will only come when mis-selling becomes genuinely expensive for financial institutions.In listener questions, Sai Trivikram from Hyderabad asks how to balance buying a car with planning for a future home purchase, prompting Monika to discuss debt, budgeting, and where to park short-term savings. Viswajeet from Pune raises the long-standing cap on overseas mutual fund investments, leading to a conversation about investor diversification, capital controls, and why the limit may finally need revisiting. Finally, Harish from Mysore seeks guidance on strengthening his financial foundation, opening up a discussion on emergency funds, health insurance, home ownership, retirement planning, and building wealth systematically in his mid-thirties.Chapters:(00:00 – 00:00) Will RBI's New Mis-selling Rules Finally Protect Bank Customers?(00:00 – 00:00) Why Better Disclosures, Commission Reform and Stronger Penalties Matter(00:00 – 00:00) Should You Pay Cash or Take a Loan When Buying a Car?(00:00 – 00:00) Why Is India Still Limiting Overseas Mutual Fund Investments?(00:00 – 00:00) How Should You Build Financial Security When You're Starting Late?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

Book a 1|1 Bitcoin Consulting call with mehttps://pathtobitcoin.xyz/Join my Bitcoin Learning Community & and access Free Courseshttps://www.skool.com/the-bitcoin-masters-4115/Listen on Fountain and boost with Nostr!https://fountain.fm/show/4eGsKXMnfWDWx4h72tbPWhere I buy Bitcoin (Free BTC & Non-KYC options)https://bitcoinwell.com/referral/bitcoinnotcrypto15% Stampseed Titanium Seed plates (BEST WAY TO STORE BTC PRIVATE KEYS)https://www.stampseed.com/USE CODE : BTCNOTCRYPTO155% off the MicroSeed Stamping kit CODE : HODLhttps://microseed.io/?ref=HODLGet a Coldcard Hardware wallet herehttps://store.coinkite.com/promo/169FA71FECC4928F725D5% off Start9 servers for plug & play Bitcoin NodesCODE: BNC5https://store.start9.com/Umbrel home for a Bitcoin node and home serverhttps://a.umbrel.com/hodl/umbrel-homeAffordable Privacy Phones & deviceshttps://www.mark37.com/ref/BNC/5% off using code : BNCBuy a Bitforge or Bitaxe here!https://dtvelectronics.com/store/?aff=22Use code hodl for 10% offFree Open Source Bitcoin and Investment tracking toolshttps://plebtools.com/Become a Member of the Channel, Get exclusive content, and livestream playbackhttps://www.youtube.com/channel/UC2aM2gVVEHTu0pfE1ZyA0BQ/joinFollow Rajat, Jor, and I's new show togetherhttps://www.youtube.com/@MapleBitcoinJoin our Communityhttps://www.skool.com/maplebitcoinListen to this as a podcasthttps://podcasters.spotify.com/pod/show/bitcoinnotcryptoFollow me on Nostrnpub1zqm9zant0rxf49wfgw8pt5h0j50cetfes6hwa73u7sxstlzcsz8qh6x9fsFollow on Twitter/Xhttps://x.com/forrestHODLDonate to the show herehttps://coinos.io/BNCVFVSome of the above links may be Affiliate links that support this show at no extra cost to you. None of the links are Sponsored links. This allows me to only promote products and services I personally use and believe in.

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

Discover how Concerta works for teens with ADHD, from starting doses and side effects to safe discontinuation. Learn why combining medication with therapy creates the strongest foundation for your teen's success.Info: https://missionprephealthcare.com/mental-health-resources/stimulants/concerta/ Mission Prep City: San Juan Capistrano Address: 30310 Rancho Viejo Rd. Website: https://missionprephealthcare.com/

These documents address the integration of generative AI within educational and research settings, highlighting both the ethical risks and pedagogical opportunities of the technology. UNESCO provides a high-level global framework emphasizing human-centered regulations, user privacy, and the protection of cultural diversity against unregulated AI expansion. Complementing this, the Minnesota State University Moorhead white paper draws parallels between ChatGPT and the historical introduction of handheld calculators, arguing for responsible use over prohibition. Together, the sources advocate for building AI competencies among students and teachers to ensure these tools support critical thinking and academic integrity. By fostering open dialogue and establishing clear policies, the texts suggest that education can evolve to utilize artificial intelligence as a partner in human learning.

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

In this episode, Monika reflects on returning from Berlin and explains why she still believes India is one of the best places to live despite its many shortcomings. From responsive customer service and quick healthcare to UPI, home deliveries, affordable domestic help, and thriving consumer services, she shares ten everyday conveniences that make life in India remarkably easy. While acknowledging problems like poor urban infrastructure and pollution, she argues that India's optimism and constant improvement outweigh many of its frustrations.She contrasts India's strengths with Europe's, noting that while Europe often offers better public infrastructure, India increasingly excels in affordability, convenience, and responsiveness. Her message is one of perspective: it's important to recognise India's challenges, but equally important to appreciate how much everyday life has improved through innovation, entrepreneurship, and better private services.In listener questions, Chiranth from Bengaluru asks how to research and shortlist mutual funds, leading Monika to explain her framework for evaluating long-term fund performance and consistency. An anonymous PSU employee seeks advice after becoming heavily leveraged with multiple loans, prompting a discussion on debt management, protecting family assets, and avoiding further borrowing. Finally, Avinash asks whether raising the PPF investment limit would benefit the economy, opening up a conversation on government borrowing costs and the role of market-linked investing.Chapters:(00:00 – 00:00) 10 Things That Make India a Better Place to Live(00:00 – 00:00) Why Convenience, Healthcare & Digital India Matter More Than We Realise(00:00 – 00:00) How to Research and Shortlist Mutual Funds Like a Long-Term Investor(00:00 – 00:00) Managing Multiple Loans Without Losing Your Financial Stability(00:00 – 00:00) Should the Government Increase the PPF Investment Limit?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

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

In this episode, Monika reflects on her own journey through the Indian stock market, beginning with the boom-and-bust years surrounding the Harshad Mehta scam in the early 1990s, when speculation, stock tips, and market euphoria repeatedly lured retail investors into buying high and selling low. She explains how the Indian mutual fund industry gradually transformed investing by introducing the Systematic Investment Plan (SIP), adapting the principle of rupee cost averaging into a disciplined investment habit that matched the rhythm of salaried earners. Over time, SIPs helped shift investor behaviour away from speculation and towards long-term wealth creation, becoming one of the biggest success stories in India's financial markets.She then examines the recent wave of criticism aimed at SIP investing and separates genuine concerns from misplaced fear. Monika addresses arguments around expensive market valuations, inflation-adjusted returns, and foreign institutional investor (FII) outflows, explaining why these factors matter differently for lump-sum investors than for disciplined SIP investors. While acknowledging that SIPs have sometimes been oversold without enough emphasis on asset allocation, she argues that the evidence still strongly supports long-term, diversified SIP investing. Her message is clear: don't abandon a proven strategy because of short-term pessimism. Instead, build an appropriate asset allocation, continue investing through market cycles, and avoid fear-driven decisions promoted by "merchants of doom."In listener questions, an anonymous couple asks whether their ₹9 crore retirement corpus is sufficient to comfortably increase spending after being inspired by the book Die with Zero, prompting Monika to discuss retirement multiples, her Three Pool Retirement strategy, healthcare planning, and estate planning conversations with ageing parents; Harsh Kumar questions whether recurring expense ratios make Gold ETFs less attractive than DigiGold over very long periods, leading to a discussion about the hidden impact of annual costs, regulation, liquidity, and the importance of questioning conventional financial wisdom; and another anonymous 24-year-old professional seeks guidance on balancing education loan repayment, investing, and plans for higher studies, opening up a practical conversation about prioritising debt repayment, maintaining long-term SIPs, building contingency savings, and adjusting asset allocation before and after returning to the workforce.Chapters:(00:00 – 00:00) The Big SIP Fight: Why Long-Term Investing Is Under Attack(00:00 – 00:00) Do Expensive Markets, Inflation and FII Selling Really Make SIPs a Bad Idea?(00:00 – 00:00) Can You Afford to Spend More in Retirement?(00:00 – 00:00) Gold ETFs vs DigiGold: Which Is Better for Long-Term Investors?(00:00 – 00:00) Should You Repay Your Education Loan Before Investing?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

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

On this episode of Self-Publishing with ALLi, Dan Holloway covers a week dominated by new tools for authors and readers alike. He reports on BookFunnel's new WooCommerce plugin for self-hosted WordPress sites, Substack's rollout of paid sponsorships for writers with 100 or more paid subscribers, and the launch of the Book Carbon Calculator, which lets print-focused authors generate a certified carbon footprint for their titles. He closes with the long-awaited launch of Kindle's Story So Far feature, an AI-generated recap tool that raises familiar questions about training data and copyright. Show Notes Book Carbon Calculator Sponsor Self-Publishing News is proudly sponsored by PublishMe—helping indie authors succeed globally with expert translation, tailored marketing, and publishing support. From first draft to international launch, PublishMe ensures your book reaches readers everywhere. Visit publishme.me. Find more author advice, tips, and tools at our Self-publishing Author Advice Center, with a huge archive of nearly 2,000 blog posts and a handy search box to find key info on the topic you need. About the Host Dan Holloway is a novelist, poet, and spoken word artist. He is the MC of the performance arts show The New Libertines, He competed at the National Poetry Slam final at the Royal Albert Hall. His latest collection, The Transparency of Sutures, is  available on Kindle.

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.

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.

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/ —————————————————————

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