You're tired of listening to the same terrible radio show every morning in your car. You've heard that new song so many times through your headphones this week that you've decided you don't like it, after all. How many times can you sing along to "Bohemian Rhapsody" on the way to work before you realize, horrified, that you're just not as talented as Freddy Mercury?
The internet is brimming with podcasts that are diverse, packed with information and ready to cure your commute. But instead of killing time with an episode of Serial or listening to the same stats you've already watched on EPSN with breakfast, try learning something new. Podcasts are like reading articles and essays—even books—without taking your eyes off of the road or carrying an extra stack of paper in your bag. In this article, find some of the best podcasts to feed your brain.
RadioLab
Let the hosts of WNYC's Radiolab guide you through stories and investigations about everything in the world, from truth to CRISPR to Alzheimer's. Weekly 45-minute episodes explore a theme through interviews, stories and jokes that make serious news fun and turn history into fascinating narratives. This is your general knowledge story series where you can learn about anything from some people who simply enjoy talking about it.
Listen here.
The Inquiry
Every week on The Inquiry, a BBC World Service podcast, the hosts talk to "expert witnesses" about thoughtful, relevant issues. "Who Gets to Have Their Own Country," the team asked after Catalan's announcement that the region would hold a referendum for independence from Spain. Other recent episodes include "Are Videogames a Waste of Time?" and "What Can We Do With Our Dead?" For a concise but deeply investigated lesson on the context and implications of current events, and for a great alternative to the rapid fire daily news headlines, The Inquiry is your perfect morning fix.
Listen here.
Planet Money
NPR's Planet Money will keep you informed on the economy and all of its trends, developments and historical context. Hear from Tom Burrell and learn about his industry-changing work in advertising. Discover the similarities between fake news stories in Ukraine and the U.S. In under thirty minutes, you'll discover something you probably didn't know through fascinating interviews with experts in the field and the people who were there.
Further quench your thirst for first-hand knowledge with the TED Talks Daily Podcast that features a new talk every weekday.
Listen to Planet Money here.
More or Less: Behind the Stats
The weekly BBC Radio 4 podcast, More or Less, digs into a current event and the statistics being reported about it. Their most recent episode cleared up the confusion surrounding so-called 500-year storms and how they can happen twice in a decade, or even twice in a year. They've explored fantasy football, the gender ratio in Sweden and, of course, election numbers. Tim Harford hosts this math-based show that takes listeners far away from scary math and into discussions about the real-world implications of these numbers.
Listen here.
StarTalk Radio
Neil deGrasse Tyson answers the biggest questions in the universe and also tackles practical science innovations in his weekly podcast, StarTalk Radio. From dark matter to NFL training and nutrition, Tyson and his frequent cohost, Chuck Nice, have a lot of fun talking about modern science with scientists, actors, comedians, musicians and various other guests. Learn about hip hop with Logic or basketball with Kareem Abdul-Jabbar.
For more guest appearances by Bill Nye, check out the StarTalk All-Stars companion podcast.
Listen to StarTalk Radio here.
Dan Carlin's Hardcore History
Admit it: you only say you don't like history because you resented all of the name and date memorization in high school. But real history isn't about a list of events; it's about the stories. Enter Hardcore History, an epic history podcast hosted by Dan Carlin. The shows come out every few months but they're often closer to six hours than three, so you'll have plenty to listen to before you're stuck waiting for the next episode (plus, if you're starting now, you already have sixty episodes to catch up on). This is the dramatic storytelling you've been waiting for in a history class.
Listen here.
Song Exploder
If your business (or your passion) is music, Song Exploder is the deepest dive into new music available. Instead of listening to that song again, listen to its artist break it down part by part, track by track as they tell the story of its creation. In close to a half hour, you'll discover the process and inspiration behind one song and hear its isolated vocals or that one sound effect near the middle that came to the songwriter in a dream or whatever its story is. Previous artists include U2, St. Vincent, Gorillaz, Metallica, Joey Bada$ and Weezer, whom Hrishikesh Hirway interviews before editing out his parts. What's left is the story of a song told by its artist directly to their fans.
Listen here.
- Best Podcasts 2017: Serial, S-Town, True Crime And More | Time.com ›
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- 28 of the best podcasts in 2017 for curious minds | WIRED UK ›
- 10 Podcasts That Will Make You Feel Smarter | Mental Floss ›
- Best Podcasts That Will Make You More Interesting - Thrillist ›
As the years go by, you'll likely need to make some large purchases here and there. Plan for these major life purchases by identifying them and saving early.
While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.
A Wedding
Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.
A New Car
Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.
In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.
A House
Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.
As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.
It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.
When you are newly hitched and learning how to combine your essential legal and financial information as well as your accounts, it can be confusing.
Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they're married to live together. Whichever path you've chosen, it's still crucial to know a few tips to manage money together as newlyweds to determine where you should begin and how you can remain on the same page.
Discussing Money Motivations
As we begin to share money with our significant other, we soon find out what one person may rank as a priority regarding money and the other may not. As such, sitting down and discussing money motivations is important. Two people who cannot agree on how to handle money may cause serious issues. This should include:
- How to deal with money following payday. Is a percentage put into savings? Is that the day to splurge on dinner, drinks, and more?
- The frequency and size of payments made to debts. Some people like to pay minimums, whereas others pay in full or make double payments.
- What do you each consider money well spent? Is it a new 70" 4K television? Is it an investment? Is it paying as much debt off as possible?
- How do you go about consulting each other before making purchases over a certain amount?
Establishing Financial Goals
After you evaluate the motivations behind your money and how it should be spent, you'll need to spend time together hashing out financial goals. As newlyweds, there are certain things on your list that you're going to want to save for. How do you go about that? How much of each paycheck will you dedicate to a particular fund?
Some things in the future worth making a financial plan for include savings and paying down debts. This is the time to be honest about your current financial standing. If you're looking to buy a home, you'll want to assemble a first-time homeowner financial checklist to begin to develop topics of conversation. Some of the things to consider setting goals for are:
- Student loans
- Car loans
- Future children
- A house
- Medical bills
- Delinquencies on credit reports
- Vacation and rainy-day funds
- Emergency funds
Budgeting Together
The more honest and open you can be with each other about the money you have and now the debts you share, the better. Implementing plans for the best ways to have the things that you both desire while still taking care of existing demands is important. These can be uncomfortable things to talk about; however, these conversations are necessary.
Following these tips to manage money together as newlyweds will allow you to have a starting point for conversations that can be tough to start. The sooner you and your partner get on the same page with finances and the responsibilities that come with them, the easier the transition will be and the sooner you'll find success.
It's the dream: money you can count on to keep rolling in, even while you sleep.
Passive income isn't entirely passive, of course. You'll put in work up-front to get the profits rolling, so don't relax in your recliner just yet. But with so many potential sources of passive income available to you, picking one or several will mean that the day you can finally kick back will draw steadily closer.
Rental Properties
Real estate is a tried-and-true wealth builder for a simple reason: people will always need somewhere to live. Research the market in a growing community until you know a good deal when you see it. You can maximize rent by fixing up a deteriorating property or upgrading a mediocre one. The key is to hire a property manager to do all the day-to-day landlord duties for you—and you'll need a good one. Smart investors put their profits in another property and repeat the process until they have a diverse portfolio.
A YouTube Channel
You can start a blog if you're more comfortable hiding behind a computer, but consumers are more likely to prefer video content. Post a series of “how-to" videos to answer questions about whatever you're an expert in.
You can put up any content you want, but if you don't want to commit to regularly updating it, focus on “evergreen" topics that will draw clicks for eternity. Ads will create your income, especially if your channel grows in popularity. Better yet, sign up for affiliate marketing. If you recommend a product and provide a link to buy it, you'll get a small percentage of those transactions.
Auto Advertising
If you don't mind vinyl-wrapping your car with an ad for a company, you can get cash just driving around and running your errands. Make sure you contact a reputable company that doesn't ask for any money from you; if they're the real deal, they'll evaluate your car, your driving habits, your area, and more. Bonus: the brighter the ad, the easier it'll be to find your vehicle in the parking lot.
Digital Products
What's something that people will pay for but doesn't require shipping on your part? Finding that item is what can supplement your income indefinitely. Write an e-book, charge for your cross-stitching patterns, design prints that people can digitally download, invent an app, record a “masterclass," or whatever else you want. Every time someone new discovers it, the cash register rings. With a little more effort, this is a potential source of passive income for you that can continue to grow. Once you build up a customer base, they might want more products. The good part is that it's up to you whether you wish to give it to them.
