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Today, credit cards are a $500 billion-a-year industry. Banks consider these lines of credit when deciding whether or not to approve loans, incentivizing customers to maintain multiple credit cards. So, how did this lending system originate? And how did they get to be so popular? Nidhi Upadhyaya digs into the history of credit cards in the United States. [Directed by Jeff Le Bars, JetPropulsion.space, narrated by Bethany Cutmore-Scott, music by Salil Bhayani, cAMP Studio]. Hosted on Acast. See acast.com/privacy for more information.
In Today's Episode: Host: Brandon Elliott, https://zez.am/brandonelliottinvestments ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links: How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432121Z8 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon: Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott: Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148
In this explosive episode of The Connect, Johnny sits down with Danesa White, better known as Bella Barcode — a former Oakland hustler who built a multi-million-dollar fraud and jewelry embezzlement operation before the age of 21. Raised in the heart of the Bay Area hustle, Danesa breaks down how she went from boosting clothes as a teenager to running sophisticated bank fraud, credit card approval schemes, and high-end jewelry thefts across all 50 states. At her peak, she was clearing hundreds of thousands of dollars a day, selling stolen diamonds, watches, and luxury goods to NFL players and major drug dealers — all while living a jet-set lifestyle that included Dubai, Miami, New York, and beyond. -In this raw, unfiltered conversation, Bella Barcode explains: -How early-2000s bank and credit card fraud actually worked -How jewelry stores could be forced into approving six-figure purchases -The psychology of confidence, misdirection, and playing the role -The moment everything collapsed — arrests, probation violations, and a federal case -Serving 7 years in federal prison and what women's prison is really like -Why she finally chose to tell her story — and the price that came with it Today, Danesa has turned her life around and is inspiring others through her autobiography Recidivism: Beauty Before Bars, proving that survival, accountability, and redemption are possible — even after losing everything. This is one of the most detailed breakdowns of white-collar street crime ever told on the podcast — and a powerful cautionary tale about how fast money can disappear just as quickly as it comes. Go Support Danesa! Website: https://www.itsbellabarcode.com/ Book: https://a.co/d/ajXBp6y IG: https://www.instagram.com/itsbellabarcode_/ TikTok: https://www.tiktok.com/@bellabarcode Facebook: https://www.facebook.com/bella.barcode This Episode Is #Sponsored By The Following: PrizePicks! Visit https://prizepicks.onelink.me/LME0/CONNECT and use code CONNECT and get $50 in lineups when you play your first $5 lineup! Rocket Money! Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/connect today. Join The Patreon For Bonus Content! https://www.patreon.com/theconnectshow 00:00 Intro & Guest Overview 01:27 Life in Oakland & Family Background 03:35 First Hustles and Growing Up 07:46 Mastering the Bank Fraud Game 13:30 Taking the Hustle Nationwide 20:36 Scaling Up: Diamonds & High-End Stores 25:00 Inside the Diamond Game 34:24 Living Large: Lifestyle & Risks 36:33 Today's Sponsors 39:26 Making Mistakes & Legal Scrapes 43:00 Jewelry Licks & Giant Scores 50:54 How the Scam Actually Worked 55:00 The Downfall: Getting Caught 01:02:08 Federal Prison & Doing Time 01:13:01 Coming Home: Reentry & Building Again 01:18:45 Personal Growth & Female Bosses 01:24:48 Redemption: New Career & Book 01:28:01 Reflections & Life Lessons Learn more about your ad choices. Visit podcastchoices.com/adchoices
Share your guest suggestions hereMail - connect@beerbiceps.comLink - https://forms.gle/aoMHY9EE3Cg3Tqdx9Check out BeerBiceps SkillHouse's YouTube 1O1 Course - https://youtube.beerbicepsskillhouse.in/youtube-101BeerBiceps SkillHouse को Social Media पर Follow करे :-YouTube : https://www.youtube.com/channel/UC2-Y36TqZ5MH6N1cWpmsBRQ Instagram : https://www.instagram.com/beerbiceps_skillhouseWebsite : https://beerbicepsskillhouse.inFor any other queries EMAIL: support@beerbicepsskillhouse.comIn case of any payment-related issues, kindly write to support@tagmango.comLevel Supermind - Mind Performance App को Download करिए यहाँ से
Planning a vacation shouldn't end with a credit card hangover. We break down a clear, no‑drama way to choose the trip, price it honestly, and fund it with simple, short‑term savings so the only thing you bring home is good memories. From setting up a dedicated money market account to translating a total cost into monthly and per‑paycheck goals, we show how to turn “someday” travel into a funded plan you can enjoy without stress.We also unpack the tricky world of points and rewards. Yes, airline and hotel programs can cut costs, especially if you already fly one carrier or your employer lets you keep business‑travel points. But points aren't a free pass. If a card nudges you to overspend or you carry a balance at high interest, the math breaks fast. You'll hear practical rules for when points make sense, when cash is king, and how to avoid the trap of chasing perks that cost more than they save.Prices today are shaped by algorithms as much as calendars, so we share tactics to search smarter. Use Google Flights alerts, try private browsing on airline sites, compare across devices, and price the whole stay including taxes, cleaning fees, meals, and activities. We also draw firm lines for when to delay travel: high‑interest debt, no emergency fund, or job uncertainty. Most of all, we make space for joy. A fully funded trip can prevent burnout and remind you why you work so hard in the first place—because guilt‑free fun is part of a healthy financial life.If this guide helps you plan a better trip, share it with a friend, subscribe for more money‑smart episodes, and leave a review to help others find the show. Where will your next funded adventure take you? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.
It's our biggest Friday Drinks of the year so we're throwing a party aka our year in review. The stats, the moments that surprised us, and the community wins that honestly deserve more airtime... and of course your favourite blooper reel. Plus we get into which is cheaper, building vs buying a home. Building can look cheaper, especially online, but the reality is a lot messier. We talk about where the costs sneak in, why timelines matter, and why this decision feels very different depending on where you live and what stage of life you’re in. And because it’s summer, we talk credit cards. Should you get one to get through the next few months? When does it help, and when does it just make things harder later? We walk through how to think about it without shame or scare tactics. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.
She thinks that he is hooking up with someone else but is he? Its all stemmed from credit car charges that she has recently seen...
She thinks that he is hooking up with someone else but is he? Its all stemmed from credit car charges that she has recently seen... See omnystudio.com/listener for privacy information.
In Today's Episode: Host: Brandon Elliott, https://zez.am/brandonelliottinvestments ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links: How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432121Z8 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon: Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott: Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148
Building a Fiction Editing Pipeline with Regex and Python — Part 1 by Eddie Tonkoi Support the Show CCATP #826 — Adam Engst on The Phone App in iOS 26 Transcript of NC_2025_12_25 Join the Conversation: allison@podfeet.com podfeet.com/slack Support the Show: Patreon Donation Apple Pay or Credit Card one-time donation PayPal one-time donation Podfeet Podcasts Mugs at Zazzle NosillaCast 20th Anniversary Shirts Referral Links: Setapp - 1 month free for you and me PETLIBRO - 30% off for you and me Parallels Toolbox - 3 months free for you and me Learn through MacSparky Field Guides - 15% off for you and me Backblaze - One free month for me and you Eufy - $40 for me if you spend $200. Sadly nothing in it for you. PIA VPN - One month added to Paid Accounts for both of us CleanShot X - Earns me $25%, sorry nothing in it for you but my gratitude
The Night Before Christmas, NosillaCast Style Taming the Terminal — New Installment 41! Producing an Audiobook — by Eddie Tonkoi Support the Show Security Bits — 18 December 2025 Transcript of NC_2025_12_20 Join the Conversation: allison@podfeet.com podfeet.com/slack Support the Show: Patreon Donation Apple Pay or Credit Card one-time donation PayPal one-time donation Podfeet Podcasts Mugs at Zazzle NosillaCast 20th Anniversary Shirts Referral Links: Setapp - 1 month free for you and me PETLIBRO - 30% off for you and me Parallels Toolbox - 3 months free for you and me Learn through MacSparky Field Guides - 15% off for you and me Backblaze - One free month for me and you Eufy - $40 for me if you spend $200. Sadly nothing in it for you. PIA VPN - One month added to Paid Accounts for both of us CleanShot X - Earns me $25%, sorry nothing in it for you but my gratitude
#670: As we close out 2025, premium credit cards are more expensive and more complicated than ever. It's fair to ask whether the points game is still worth the effort. We sit down with Chris Hutchins, host of All the Hacks, to talk about what's changed in credit card rewards, and how to decide whether to stick with travel points, switch to cash back, or run a hybrid strategy that keeps your life simple. We dig into the “value” problem behind all those new credits and perks. Instead of letting a card dictate our spending, we walk through how to price credits based on what we would genuinely pay for them, and when it's smarter to downgrade, negotiate a retention offer, or product change and keep your credit history intact. We also get tactical about booking travel in 2026: newer award search tools, how much flexibility matters, and a sneaky alternative most people forget, sometimes you can buy points directly and still get a strong deal without years of “earning.” If you want to earn more points (or waste less time chasing them), this conversation will help you reset your credit card strategy for 2026 with a clearer definition of what “worth it” even means. Key Takeaways “Credits” are not value unless we were already going to buy the thing, and we'd happily pay close to face value for that discount The points game is still powerful, but mostly through welcome offers, not micro-optimizing bonus categories Flexibility is the hidden lever in award travel, the best deals often show up when we loosen the date, airport, or destination constraints Cash back is having a moment, especially if we want simplicity and fewer mental tabs open. Before canceling a fee card, we can often negotiate, downgrade, or product change and keep the credit history we've built Sometimes the best move is to stop “maximizing,” take the trip, and protect our time for higher-impact work (or actual rest) Resources and Links Chris Hutchins, All the Hacks (https://www.chrishutchins.com) Our deep dive on credit reports and scores, Episode 221 YouTube video mentioned on why airline loyalty programs can be worth more than the airlines themselves FlyFlat.com Seats.Aero Point.me Rome Travel AwardTool.com PointsYeah.com Daydream Explorer Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (01:22) The 2025 reset for premium credit cards (06:18) How the points game actually works in 2025 (10:29) Rethinking economy flights versus business class (16:37) Managing credit cards during major life transitions (23:57) Simplicity versus optimization in the points ecosystem (36:45) Luxury perks, rising fees, and who premium cards serve (43:34) Buying points directly instead of playing the game (58:44) Using AI and systems to build better money habits Learn more about your ad choices. Visit podcastchoices.com/adchoices
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 3392: Jackie Beck reveals how using a credit card for emergencies can easily spiral into long-term debt and financial stress. Through her personal story, she emphasizes the importance of building an emergency fund, defining true emergencies, and making intentional spending decisions to break free from the debt cycle. Read along with the original article(s) here: https://www.jackiebeck.com/common-credit-card-mistakes/ Quotes to ponder: "You don't need an emergency credit card. You need an emergency FUND." "If you don't have the money yet, you can't afford whatever it is yet." Learn more about your ad choices. Visit megaphone.fm/adchoices
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Check out our Bootcamp!Book A Free Financial Coaching Call! Today we're sitting down with Leah—one of our budget besties and a self-employed mental health counselor—who's been using our budgeting system and had a few big questions we know so many of you can relate to:
LAist has discovered that the City of Anaheim has been using credit cards for purchases... a lot. Homeland Security defends the deportation of an army vet from the San Fernando Valley. California regulators are cutting utility company profits, but just by a wee bit. Plus, more from Morning Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!Support the show: https://laist.com
Some of the people on "Down in the Down" don't think it all the way through when they cheat.
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 3392: Jackie Beck reveals how using a credit card for emergencies can easily spiral into long-term debt and financial stress. Through her personal story, she emphasizes the importance of building an emergency fund, defining true emergencies, and making intentional spending decisions to break free from the debt cycle. Read along with the original article(s) here: https://www.jackiebeck.com/common-credit-card-mistakes/ Quotes to ponder: "You don't need an emergency credit card. You need an emergency FUND." "If you don't have the money yet, you can't afford whatever it is yet." Learn more about your ad choices. Visit megaphone.fm/adchoices
Responding to Dave Ramsey's Credit Card Arguments | Hurdy Gurdy Travel Podcast Dave Ramsey says, “No credit cards.” I say, “It depends.” In this episode, Justin Vacula reacts to a recent Dave Ramsey clip and explains how credit cards can be a smart tool for business expenses and travel. We get into the real math behind points and cashback, the psychology of spending, and why one-size-fits-all advice from Dave Ramsey misses the mark. You'll also hear updates on upcoming meetups and events, plus a quick intro to tools that can help you track, optimize, and actually use your rewards. Original video I respond to: https://www.youtube.com/watch?v=q9za0VwqANY&t=6s Timestamps 00:00 Introduction 01:52 Dave Ramsey's credit card advice 02:37 Caller question on business credit cards 03:39 Debate on credit card benefits 05:39 Dave's perspective on points 08:01 Critique of Dave Ramsey's arguments 12:33 Credit card strategies 17:53 The debit card dilemma 18:18 Dave's imaginary scenarios 19:13 Credit card benefits for business owners 24:18 Ice cream analogy 27:42 Psychology of money and credit cards 31:41 Dave's one-size-fits-all advice 32:55 Conclusion and announcements —
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 3392: Jackie Beck reveals how using a credit card for emergencies can easily spiral into long-term debt and financial stress. Through her personal story, she emphasizes the importance of building an emergency fund, defining true emergencies, and making intentional spending decisions to break free from the debt cycle. Read along with the original article(s) here: https://www.jackiebeck.com/common-credit-card-mistakes/ Quotes to ponder: "You don't need an emergency credit card. You need an emergency FUND." "If you don't have the money yet, you can't afford whatever it is yet." Learn more about your ad choices. Visit megaphone.fm/adchoices
(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Alaska Miles Sale00:19 Filtering Flight Deals on CSAT Arrow00:31 Understanding Alaska Airlines Points Sale01:07 Finding and Evaluating Flight Deals02:31 Example: Boston to London First Class04:47 Example: Chicago to Tokyo First Class08:21 Example: Cleveland to Dublin Business Class09:46 Exploring More Business Class Options11:44 Conclusion and Key StrategiesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
She thinks that her man is stepping out on her because of hidden credit card charges? She keeps track of the finances and sees that something isn't right...
She thinks that her man is stepping out on her because of hidden credit card charges? She keeps track of the finances and sees that something isn't right... See omnystudio.com/listener for privacy information.
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Check out our Bootcamp!Snag Our Simplified Budget System! Can you believe it?! We've made it to 500 episodes!
In Today's Episode: Host: Brandon Elliott, https://zez.am/brandonelliottinvestments ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links: How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432121Z8 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon: Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott: Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148
The Moneywise Radio Show and Podcast Monday, December 15th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Dr. Richard Gearhart, Professor of Economics at CSU-Bakersfield website: https://www.csub.edu/bpa/economics/department-of-economics.shtml The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Dr. Richard Gearhart and their company are not affiliated with nor endorsed by LPL Financial or Moneywise Wealth Management].
Record Your Own Review Smart Outlets — by Sandy Foster Everything Tech is Broken Support the Show CCATP #825 — Andy Dolph on Remote Production of Events Using Zoom Webinar Transcript of NC_2025_12_14 Join the Conversation: allison@podfeet.com podfeet.com/slack Support the Show: Patreon Donation Apple Pay or Credit Card one-time donation PayPal one-time donation Podfeet Podcasts Mugs at Zazzle NosillaCast 20th Anniversary Shirts Referral Links: Setapp - 1 month free for you and me PETLIBRO - 30% off for you and me Parallels Toolbox - 3 months free for you and me Learn through MacSparky Field Guides - 15% off for you and me Backblaze - One free month for me and you Eufy - $40 for me if you spend $200. Sadly nothing in it for you. PIA VPN - One month added to Paid Accounts for both of us CleanShot X - Earns me $25%, sorry nothing in it for you but my gratitude
Bob shares his varied life in crime. Bob's websites https://traphausofficial.com https://cannacurator.com Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7 Send me an email here: insidetruecrime@gmail.com Do you extra clips and behind the scenes content? Subscribe to my Patreon: / insidetruecrime
Get my training and advanced episodes: https://www.patreon.com/listeningtimeUS Conversations: https://www.patreon.com/USConversationsTranscript: https://drive.google.com/file/d/1maxUddmCHWTeH1rnDYhK-42XK8cFigYP/view?usp=sharing
Black Friday was a bit disappointing on Best Buy because the best Airpod sale never went live, but there were still plenty of lower margin deals. On the travel side, we visited the Maldives for the first time with stopovers in both Dubai and Doha.
In this episode of PennyWise, host John Kiernan and guest Dr. Jessica G. Zeiss from Ball State University discuss the best ways to go about getting a credit card. It might seem like a simple topic, but there’s a lot more that goes into choosing the right credit card and actually getting approved than most people realize. John and Dr. Zeiss cover the process of getting a credit card from start to finish, highlighting money-saving strategies to use as well as costly pitfalls to avoid. They also talk about why getting a credit card is so important to achieving overall financial success and how many credit cards you should have. John answers some of your questions, too. More on this episode from WalletHub: How to Choose a Credit Card How to Apply for a Credit Card How to Get Approved for a Credit Card You can compare credit card offers on WalletHub to find the best card for your needs. You can also reference WalletHub’s editors’ picks for the best credit cards for building credit, rewards, 0% APR and more.
Flame, a former scammer, reveals how he exploited the credit system, leading to one of the most audacious fraud runs against major banks. Flame's links Meetflame.com http://Flamescard.com Personal Credit Book- https://tinyurl.com/TSOCBook Business Credit Book - https://tinyurl.com/TSOCBiz Credit Card Book - https://tinyurl.com/TSOCCreditCardBook Pull Your Credit Report- https://tinyurl.com/Pullmycredit Facebook - https://tinyurl.com/FlameNFacebook Instagram - https://tinyurl.com/FlameNInstagram Tiktok - https://tinyurl.com/FlameNTwitter LinkedIn - https://tinyurl.com/FlameNLinkedin YouTube - https://tinyurl.com/FlameNYoutube Flame's calendar - https://tinyurl.com/flamecalender Do you want to be a guest? Fill out the form https://www.insidetruecrimepodcast.com/apply-to-be-a-guest Get 10% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout. Send me an email here: insidetruecrime@gmail.com Do you extra clips and behind the scenes content? Subscribe to my Patreon: https://patreon.com/InsideTrueCrime Follow me on all socials! Instagram: https://www.instagram.com/insidetruecrime/ TikTok: https://www.tiktok.com/@matthewcoxtruecrime Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox Check out my true crime books! Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF Bent: https://www.amazon.com/dp/B0BV4GC7TM It's Insanity: https://www.amazon.com/dp/B08KFYXKK8 Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438 The Program: https://www.amazon.com/dp/B0858W4G3K Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402 Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1 Checkout my disturbingly twisted satiric novel! Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX If you would like to support me directly, I accept donations here: Paypal: https://www.paypal.me/MattCox69 Cashapp: $coxcon69 Learn more about your ad choices. Visit megaphone.fm/adchoices
Credit Card Interest Rate Caps Would Harm Low-Income Borrowers: Colleague Veronique de Rugy criticizes proposals by Senators Sanders and Ocasio-Cortez to cap credit card interest rates at 10 percent, arguing price controls will force companies to reduce risk, ultimately denying credit to the low-income borrowers the bill aims to protect SP 1954.
Experiences are beating out material gifts as more people choose memories over “stuff.” A look at Disney's big investment in AI, and U.S. credit card debt hitting a record high.
Itamar Drechsler, Wharton School Professor of Finance and Co-Director of the Rodney L. White Center for Financial Research, explains the economic forces behind high credit card interest rates, highlighting the roles of defaults, operating costs, marketing expenditures, and market power in shaping what consumers ultimately pay. Hosted on Acast. See acast.com/privacy for more information.
Ado (33) and Gabby (32) are exhausted by a cycle they can't seem to escape: getting into credit card debt, paying it off, and then ending up right back where they started. Now, with $44,000 in credit card balances, student loans on both sides, and an $1,800 monthly daycare bill, they feel one setback away from losing everything. Ado's avoidant, live-in-the-moment approach clashes with Gabby's desire for structure and long-term security. Both come from financially chaotic childhoods, and those old patterns are replaying in their marriage. They dream of moving to Europe and building stability for their young daughter—but can they break the cycle that's defined their entire relationship? This episode asks: What will it take for them to finally stop the spiral and create a plan that lasts? In this episode we uncover: • Why Ado and Gabby keep finding themselves back in credit card debt • How their “dance” of overspending, working extra, and then trying to catch up has cost them thousands • The emotional toll on Gabby as she tries to break a cycle that feels unsustainable • Why Ramit pushes them to examine their spending through the lens of their daughter watching and learning their habits • Taking apart their monthly budget line by line • The $170 date nights, lattes, Costco trips, and Target runs that add up • Gabby's realization that overspending isn't just about Ado • Ado's upbringing as a Bosnian refugee, and how frugality, scarcity, and parental sacrifice shaped his desire to enjoy life • How childhood experiences continue to shape Gabby's budgeting, anxiety, and need for security today • How both partners absorb social norms around spending and treat exhaustion as a justification for impulse purchases • The truth about using their savings account as a checking account • The staggering $3,075/month they spend on debt payments • Their dream of moving to Europe being pushed back year after year • The emotional rupture of realizing one missed paycheck could destabilize everything they've built Chapters: (00:00:00) “We never tell ourselves no” (00:17:24) “It's not just about paying off debt” (00:33:21) Ramit breaks down their numbers (00:48:21) “I feel like it gives me comfort” (01:02:26) “Money was a weapon” (01:12:53) “Denial lasts a week, vision lasts a lifetime” (01:32:00) “Nobody making this much should have credit card debt” (01:36:45) Where are they now? Ado and Gabby's follow-ups This episode is brought to you by: Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com Masterclass | Get up to 50% off Masterclass during the holiday season at https://masterclass.com/ramit Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Offer expires December 31, 2025 Fabric by Gerber Life | Join the thousands of parents who trust Fabric to protect their family. Apply today in just minutes at https://meetfabric.com/ramit Wildgrain | Get $30 off the first box — PLUS free Croissants in every box — at https://wildgrain.com/ramit Links mentioned in this episode • Join my event “Becoming Time Rich” on December 18th at 8pm ET. Register at https://iwt.com/timerich Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.
Still paying for flights in cash? You're playing the wrong game.In this episode, Rich brings on credit king Jack McColl to expose the credit card hacks, travel tricks, and bank secrets that nobody's teaching—but everyone should know. From stacking points to flying first class for free, Jack breaks down how to unlock the full power of credit without going into debt.They dive into:The biggest lies banks tell you about personal and business creditHow to turn credit cards into cash, travel perks, and investment leverageThe playbook for getting $500K+ in 0% interest fundingWhy the rich never use debit cards—and how you can stop todayHow Jack flies first class to Bali, Paris, and Tulum for pennies on the dollarIf you've ever felt like the system was rigged—this episode hands you the cheat codes.Play smarter. Travel better. Let's go.Connect with Jack on Instagram: @jackmccollJoin our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.
In Today's Episode: Host: Brandon Elliott, https://zez.am/brandonelliottinvestments Guest: with Ron Faraci ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links: How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report:https://myfreescorenow.com/enroll/?AID=COUNSELELITELLC&PID=18983 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon: Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott: Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148
New Carpet is Like Moving … but Not Stream Deck Button to Put Your Mac to Sleep Support the Show Security Bits — 6 December 2025 Transcript of NC_2025_12_07 Join the Conversation: allison@podfeet.com podfeet.com/slack Support the Show: Patreon Donation Apple Pay or Credit Card one-time donation PayPal one-time donation Podfeet Podcasts Mugs at Zazzle NosillaCast 20th Anniversary Shirts Referral Links: Setapp - 1 month free for you and me PETLIBRO - 30% off for you and me Parallels Toolbox - 3 months free for you and me Learn through MacSparky Field Guides - 15% off for you and me Backblaze - One free month for me and you Eufy - $40 for me if you spend $200. Sadly nothing in it for you. PIA VPN - One month added to Paid Accounts for both of us CleanShot X - Earns me $25%, sorry nothing in it for you but my gratitude
Is It Going to Be A Dark Christmas? 25-163 Headline BBC: New US security strategy aligns with Russia's vision, Moscow says Headline ABC: Supreme Court to reconsider 90 year old precedent of limiting Presidential Powers to Fire Heads of Independent Agencies Headline Aaron Parnas: Trump Admin to instruct FBI to find extremist in the United States, including “radical gender ideology” , andi-ICE, pro-immigrant...including a way for people to turn people in. These are terrifying. Things are MUCH worse than we thought. But it's Christmas for goodness sake. People were out shopping, people were decorating, myself included. What else can we do? Panic? And while many are out shopping, most are charging it according to research. Credit Card debt is going to increase exponentially in December. Because life is expensive. So is this a last hurrah? The Karel Cast is supported by your donations at patreon.com/reallykarel Please watch, like and subscribe to the videos at youtube.com/reallykarel The Karel Cast is heard on all streaming services from Apple Music to iHeart Media, Spotify to Spreaker. The show is Monday through Thursday at 1030 am Live PST. It can also be seen on TikTok and Instagram. Karel is a history-making broadcaster and entertainer currently in Las Vegas with his little service girl Ember. #TheKarelCast, #DarkChristmas, #USPolitics2025, #DemocracyAtRisk, #SupremeCourtWatch, #AuthoritarianThreats, #EconomicRealityCheck, #HolidayStress2025, #NewsCommentaryPodcast, #LasVegasCreator https://youtube.com/live/s6qLFBsASgE
This week on A Week In Her Wallet, we meet Megan, a 47-year-old office manager living on Long Island with her husband. Together they earn around $200,000, but keep most of their spending separate — and it works. Megan hasn't paid a cent in credit card interest in over two decades and recently spent just $400 in a week, all while training for her fifth marathon. Tune in as she shares: Why she keeps her money separate from her spouse, and how they make it work The real costs of marathon training How she budgeted for a trip to Barcelona without touching savings Her unique take on tipping, impulse buying, and personal finance independence
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This week, our hosts Dave Bittner, Joe Carrigan, and Maria Varmazis (also host of the T-Minus Space Daily show) are sharing the latest in social engineering scams, phishing schemes, and criminal exploits that are making headlines. We start with some follow up from listener John Helt having some chicken withdrawal, Foghorn Leghorn excluded. You are welcome, John, you now have your chicken updates! And, we share how a fish went shopping. Maria shares some research (including her own) on using AI chatbots to phish the elderly. Joe's got two stories today. First up, he talks about the Myanmar army continuing their raids on scam centers. Joe also shares a piece on two men found guilty of engaging in an extensive fraud scheme of ACA plan subsidies involving over $233 million from the federal government. Dave's story helps keep scammers out of your stockings this holiday season. Our catch of the day comes from the phishing subreddit about a text a la Strong Bad. Resources and links to stories: Black neon tetra: Credit card fraud We set out to craft the perfect phishing scam. Major AI chatbots were happy to help. Can AI Models be Jailbroken to Phish Elderly Victims? An End-to-End Evaluation Can AI Models be Jailbroken to Phish Elderly Victims? An End-to-End Evaluation Myanmar's military launches raid on second major online scam center President of Insurance Brokerage Firm and CEO of Marketing Company Convicted in $233M Affordable Care Act Enrollment Fraud Scheme Keep scammers out of your stockings this holiday season Have a Catch of the Day you'd like to share? Email it to us at hackinghumans@n2k.com.
In Today's Episode: Host: Brandon Elliott, https://zez.am/brandonelliottinvestments ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links: How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432121Z8 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon: Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott: Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148
Learn how to donate effectively for Giving Tuesday and juggle multiple credit cards without hurting your credit score. How can you donate more intentionally on Giving Tuesday without blowing your budget? Does having multiple credit cards hurt your credit score? Hosts Elizabeth Ayoola and Sean Pyles discuss charitable giving and credit card management to help you support causes you care about while protecting your finances. Joined by Grace Nicolette, Vice President of Programming and External Relations at the Center for Effective Philanthropy and co-host of the Giving Done Right podcast, they begin with a discussion of how Giving Tuesday started and why intentional giving matters. They share tips and tricks on setting a realistic donation goal, choosing causes that align with your values, and spotting nonprofit red flags beyond “overhead ratios.” Grace also explains how to plan giving throughout the year, how to research organizations using public filings and news coverage, ways to overcome “do-gooder paralysis,” and the benefits of involving family and friends so giving becomes a shared, values-driven habit. Then, NerdWallet credit card and travel rewards expert Erin Hurd joins Elizabeth and Sean to discuss how having multiple credit cards (and we mean multiple!) can affect your credit score and day-to-day money life. They discuss why the number of cards you have matters less than how you manage them, how credit utilization and credit age really work, and why aggressive “churning” — opening cards for bonuses and quickly closing them — can backfire. Erin walks through how a large card lineup can actually help your utilization if you avoid overspending and always pay in full, why she treats card collecting as a long game, and how business cards may not show up on your personal credit report. She shares tactics for deciding when to keep, downgrade, or cancel a card with an annual fee, how to get value from airline and hotel perks, and how to avoid feeling overwhelmed by multiple accounts using tools like aligned due dates, autopay, spreadsheets, and digital tools such as the NerdWallet app. Resources discussed in this episode: How to Upgrade or Downgrade Your Credit Card: https://www.nerdwallet.com/credit-cards/learn/how-to-upgrade-downgrade-your-credit-card 7 Credit Card Tips Everyone Should Know https://www.nerdwallet.com/credit-cards/learn/credit-card-tips-everyone-should-know How to Stay Organized When You Have Multiple Credit Cards https://www.nerdwallet.com/credit-cards/learn/stay-organized-multiple-credit-cards I've Had 80 Credit Cards. Here's What I've Learned. https://www.nerdwallet.com/travel/news/multiple-credit-cards-what-i-learned Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mutual aid, community fundraising, grassroots giving, community foundations, expressive giving, philanthropic trends, giving circles, BCU funding, nonprofit audits, IRS nonprofit status, legal issues nonprofits, administrative overhead myth, nonprofit sustainability, tax deduction limits, adjusted gross income deduction limits, itemizing charitable contributions, donor research tools, nonprofit annual reports, avoiding donor overwhelm, values-based decision making, recurring donations, family giving conversations, business credit cards and scoring, issuer family rules, credit card guardrails, signup bonus minimum spend, annual night certificates, free checked bag benefits, priority boarding perks, rotating bonus categories, rewards tracking apps, travel loyalty programs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices
Holiday spending tends to drive up U.S. consumers' credit card debt. In the past, most households were able to pay down that debt come the new year. But as wallets get squeezed, that may not be the case in 2026. Plus: Monopoly celebrates his 90th anniversary, a family moves from a farm to the city, and we visit a lab growing the chocolate of the future.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.
Holiday spending tends to drive up U.S. consumers' credit card debt. In the past, most households were able to pay down that debt come the new year. But as wallets get squeezed, that may not be the case in 2026. Plus: Monopoly celebrates his 90th anniversary, a family moves from a farm to the city, and we visit a lab growing the chocolate of the future.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.
The BravoVerse has not has a second to rest since BravoCon and legally things are not looking great. Wendy Osefo's alias have been exposed, the authorities claim she has over 40 credit cards and Wendy and her legal team have clapped back claiming she is being targeted. Mia Thornton has been arrested and Gizelle could care less. Porsha has been investigated by the FBI, cleared of any wrongdoing and is back on the move, Delta miles and all. Meghan King has lost her kids for various reasons and the ally that no one wants, nor asked for, Kelly Dodd demands her name be cleared. Andy Cohen got very annoyed at two BravoLebs at The Bravos. Jeff Lewis shaded everyone but offers words of advice. LVP had Garcelle's back. Scheana is The Valley's dark secret. Camille thanks Kelsey. Ashley slams newbie Angel. Last, but not least, after this week of RHOP, one thing becomes crystal clear, Stacey Rusch can do no wrong. Take that Cookie, finger wave and all. @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope BROUGHT TO YOU BY: MICROPERFUMES - microperfumes.com/velvet (Up To 60% Your Favorite Perfumes In Pocket Sized Vials) RO - ro.co/velvet (For Prescription Compounded GLP-1s and Your Free Insurance Check) RAKUTEN - rakuten.co.uk (Go To Rakuten.co.uk, Download The App Or Install The Browser Extension To Earn Cash Back While You Shop At All Your Favorite Stores) PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198 Learn more about your ad choices. Visit megaphone.fm/adchoices
Economy, Fed Rates, and the AI Productivity Boom — Liz Peek — Peek examines the U.S. economy, noting mixed retail sales data alongside recent strength in credit card spending. She anticipates the Federal Reserve will likely reduce interest rates in December due to softening labor market conditions, despite traditional employment reporting lags. Peekemphasizes that the Fed fails to account adequately for AI's significant, though currently unmeasured, impact on productivity gains, employment displacement, and escalating electricity consumption, even as AI demonstrates substantial benefits in diagnostics and medical analysis. 1921 CHAPLIN