Goldman Sachs’ Marcus to Lend Money to Main Street

  • Goldman Sachs enters consumer loans with service called Marcus. 
  • Targets people with better credit. 
  • Uses their own money, so they have the advantage wirh not having to sell the loan to investors/buyers.
  • Personal thought, people might not like big banks because it helped the rich. But maybe if now they are tied to consumer will it be worth it? 

Enjoy listening to insights from The Wall Street Journal on global market news, the economy and personal finance. Your Money Matters podcast takes you from Wall Street to Main Street to your street.

* Duration: 6:38, Played: 35s

* Published: 2016-10-14 8:33:29 AM

* Episode Download Link (3 MB):

* Episode Feed: WSJ Your Money Matters –



  • Marriott might do well after merger. Could have up to 20% of hotel Market.
  • Credit cards in the US supposedly have the best deals right now ever. Analyst on WSB thinks they will get cheaper.
  • Snapchat charges 750k USD flat rate to advertise per day.
  • Clinton Election Win – Get Capital Gain tax rate of today if you hold investment for six years. Otherwise it starts at 40%+


  • Weighed in at 200 up 8 since summer low. Need to stay in gym for cardio longer

News that caught my eye

  • Yemen airstrikes… Didn’t realise how many there are.



Wall Street Journal
Motley Fool
The Disciplined Investor

The Amazing History of Soda

The soda we get instantly mixed at a fast-food joint owes a lot to a rich history going back to the Roman baths, that features drugs, diseases and explosions. Learn all about soda and soda fountains in this surprisingly interesting episode.

* Duration: 47:48, Played: 45:39

* Published: 2016-10-03 12:00:00 AM

* Episode Download Link (17 MB):

* Show Notes:

* Episode Feed: Stuff You Should Know –

This Is Your Brain on Podcasts


  • Podcasts evoke lots of brain activity (not sure if that’s a good thing or not) 
  • Bad social activities (like news on murder) garners attention 
  • Ends with interviewer who’s an Olympian. Listen to freakanomics and claims it helped him change his mindset and make it to Olympics after being told he wasn’t on the team he wanted to be. 

Review: 2/5 not the most engaging content and not really new in terms of information

    Neuroscientists still have a great deal to learn about the human brain. One recent MRI study sheds some light, finding that a certain kind of storytelling stimulates enormous activity across broad swaths of the brain. The takeaway is obvious: you should be listening to even more podcasts.

    * Duration: 46:06, Played: 18:59

    * Published: 2016-10-12 8:00:00 PM

    * Episode Download Link (32 MB):

    * Show Notes:

    * Episode Feed: Freakonomics Radio –

    How to Secure Apache with Let’s Encrypt on CentOS 7 | DigitalOcean

    SSL certificates are used within web servers to encrypt the traffic between the server and client, providing extra security for users accessing your application. Let’s Encrypt provides an easy way to obtain and install trusted certificates for free. T

    Source: How to Secure Apache with Let’s Encrypt on CentOS 7 | DigitalOcean



    Ahh… if only it were that easy. I used CloudFlare, so I need to figure out how to make it work with that. will update soon.

    — okay figured it out, just pause cloudflare and then run the command



    Reimagining Work, Self and Relationship

    The Three Marriages: Reimagining Work, Self and Relationship

    Quote of a quote:

    “Whyte’s premise is also his conclusion:”

    We should stop thinking in terms of work-life balance. Work-life balance is a concept that has us simply lashing ourselves on the back and working too hard in each of the three commitments. In the ensuing exhaustion we ultimately give up on one or more of them to gain an easier life.

    … [E]ach of these marriages is, at its heart, nonnegotiable; that we should give up the attempt to balance one marriage against another, of, for instance, taking away from work to give more time to a partner, or vice versa, and start thinking of each marriage conversing with, questioning or emboldening the other two. … (once we understand they are not negotiable) we can start to realign our understanding and our efforts away from trading and bartering parts of ourselves as if they were salable commodities and more toward finding a central conversation that can hold all of these three marriages together.


    College Application Essay – Urban Legends

    College Application Essay – Urban Legends.

    I have read this so many times over the years. It’s so great.


    This is an actual essay written by a college applicant to NYU in response to this question:


    I am a dynamic figure, often seen scaling walls and crushing ice. I have been known to remodel train stations on my lunch breaks, making them more efficient in the area of heat retention. I translate ethnic slurs for Cuban refugees, I write award-winning operas, I manage time efficiently.

    Occasionally, I tread water for three days in a row. I woo women with my sensuous and godlike trombone playing, I can pilot bicycles up severe inclines with unflagging speed, and I cook Thirty-Minute Brownies in twenty minutes. I am an expert in stucco, a veteran in love, and an outlaw in Peru.

    Using only a hoe and a large glass of water, I once single-handedly defended a small village in the Amazon Basin from a horde of ferocious army ants. I play bluegrass cello, I was scouted by the Mets, I am the subject of numerous documentaries. When I'm bored, I build large suspension bridges in my yard. I enjoy urban hang gliding. On Wednesdays, after school, I repair electrical appliances free of charge.

    I am an abstract artist, a concrete analyst, and a ruthless bookie. Critics worldwide swoon over my original line of corduroy evening wear. I don't perspire. I am a private citizen, yet I receive fan mail. I have been caller number nine and have won the weekend passes. Last summer I toured New Jersey with a traveling centrifugal-force demonstration. I bat 400.

    My deft floral arrangements have earned me fame in international botany circles. Children trust me. I can hurl tennis rackets at small moving objects with deadly accuracy. I once read Paradise Lost, Moby Dick, and David Copperfield in one day and still had time to refurbish an entire dining room that evening. I know the exact location of every food item in the supermarket. I have performed several covert operations with the CIA.

    I sleep once a week; when I do sleep, I sleep in a chair. While on vacation in Canada, I successfully negotiated with a group of terrorists who had seized a small bakery. I balance, I weave, I dodge, I frolic, and my bills are all paid.

    On weekends, to let off steam, I participate in full-contact origami. Years ago I discovered the meaning of life but forgot to write it down. I have made extraordinary four course meals using only a mouli and a toaster oven. I breed prize-winning clams. I have won bullfights in San Juan, cliff-diving competitions in Sri Lanka, and spelling bees at the Kremlin.

    I have played Hamlet, I have performed open-heart surgery, and I have spoken with Elvis.

    But I have not yet gone to college.

    (The author was accepted and is now attending NYU.)