Self-Motivation
David Goggins
Former Navy Seal
Career Development
Bryan Cranston
Actor
Critical Thinking
Liv Boeree
International Poker Champion
Emotional Intelligence
Amaryllis Fox
Former CIA Clandestine Operative
Management
Chris Hadfield
Retired Canadian Astronaut & Author
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A Tool That Shrinks Your Bills

Question: How does Billshrink work?

Peter Pham: So far today we have a couple things. One is Billshrink lets you save money on your wireless cell phone plan. What we found is about 80 percent of Americans overpay for their cell phone bill. On average it's about $300 a year, so it's about $25 a month that most people are overpaying on their cell phone. That's just a function of mostly confusing products and kind of services that are out there; it's really hard to understand what you're getting and more importantly what you're actually utilizing. I don't know if you've flipped through a cell phone bill lately; it's a pretty complicated and most people are really, really scared of overages so they typically tend to overpay and buy more than they actually need.

So that's one. Two is credit cards. Credit cards are very popular on our website as well. A lot of people have the same credit card since college or their first credit card, 10 years later, 15 years later, without recognizing the fact that putting a different credit card and a better credit card in their wallet can save them up to a $1,000 a year or in the case of people who actually pay off their credit card every month it can actually pay you an extra $1,000 a month and getting you better points and bonuses and the way you earn a reward, the program.

Gas prices are the third thing we have and that's just a function of where you live and where you work. What we do is route that commute, between point A and point B, and find every single gas station along that routes including figuring out what kind of car you drive to look at your gas mileage, so that you can understand whether or not it's worth driving out of your way.

The last one was actually topical, which is savings accounts. We actually launched a tool on our site that allows people to find the right savings accounts and CD based on your needs. So how much money do you have, how much are you putting away every month, how much do you need access to. What kind of features? Do you need check writing or direct deposit? We actually converged over 100,000 ATM locations so that we can figure out locally which banking product's right for you and which ones to keep liquid and illiquid versus savings and CDs.

Question: How does the credit card portion of the website work?

Peter Pham: It starts with a few simple questions. So do you pay off your credit card every month? Yes or no. If it's a no, it's really how much you owe, how much you are spending every month, and how much you are paying off. The way we look at it is let's try to find you a credit card that's going to cost you the least amount of money. Of course if you're not paying off your credit card every month there is some sort of interest rates and maybe even fees if you're paying late -- making late payments. So our perspective is to find you a card that's right for your spending patterns. If you do pay off your credit card every month, it's where do you spend most of your money, how much are you spending, what's your credit and what type of lifestyle do you have in terms of how do you want to redeem. Do you want airfare, hotels? Are you a Continental or United frequent flyer? Do you only stay in Hiltons or Hyatts or Starwoods? Do you want cash back?

Those are the type of things that we look at. What we did was we calculated all the reward programs that exist over hundreds of different credit cards and broken it down to very simple terms and dollar amounts so that every person can then simply understand what the value of a credit card is based on their actual spending patterns.

Recorded on November 4, 2009

Peter Pham created a website that helps people save on credit cards, wireless plans, and gas.

The “new normal” paradox: What COVID-19 has revealed about higher education

Higher education faces challenges that are unlike any other industry. What path will ASU, and universities like ASU, take in a post-COVID world?

Photo: Luis Robayo/AFP via Getty Images
Sponsored by Charles Koch Foundation
  • Everywhere you turn, the idea that coronavirus has brought on a "new normal" is present and true. But for higher education, COVID-19 exposes a long list of pernicious old problems more than it presents new problems.
  • It was widely known, yet ignored, that digital instruction must be embraced. When combined with traditional, in-person teaching, it can enhance student learning outcomes at scale.
  • COVID-19 has forced institutions to understand that far too many higher education outcomes are determined by a student's family income, and in the context of COVID-19 this means that lower-income students, first-generation students and students of color will be disproportionately afflicted.
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Creativity: The science behind the madness

Human brains evolved for creativity. We just have to learn how to access it.

Videos
  • An all-star cast of Big Thinkers—actors Rainn Wilson and Ethan Hawke; composer Anthony Brandt; neuroscientists David Eagleman, Wendy Suzuki, and Beau Lotto; and psychologist Scott Barry Kaufman—share how they define creativity and explain how our brains uniquely evolved for the phenomenon.
  • According to Eagleman, during evolution there was an increase in space between our brain's input and output that allows information more time to percolate. We also grew a larger prefrontal cortex which "allows us to simulate what ifs, to separate ourselves from our location in space and time and think about possibilities."
  • Scott Barry Kaufman details 3 brain networks involved in creative thinking, and Wendy Suzuki busts the famous left-brain, right-brain myth.

Dinosaur bone? Meteorite? These men's wedding bands are a real break from boredom.

Manly Bands wanted to improve on mens' wedding bands. Mission accomplished.

Sex & Relationships
  • Manly Bands was founded in 2016 to provide better options and customer service in men's wedding bands.
  • Unique materials include antler, dinosaur bones, meteorite, tungsten, and whiskey barrels.
  • The company donates a portion of profits to charity every month.
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What if Middle-earth was in Pakistan?

Iranian Tolkien scholar finds intriguing parallels between subcontinental geography and famous map of Middle-earth.

Image: Mohammad Reza Kamali, reproduced with kind permission
Strange Maps
  • J.R.R. Tolkien hinted that his stories are set in a really ancient version of Europe.
  • But a fantasy realm can be inspired by a variety of places; and perhaps so is Tolkien's world.
  • These intriguing similarities with Asian topography show that it may be time to 'decolonise' Middle-earth.
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How #Unity2020 plans to end the two-party system, bring back Andrew Yang

The proposal calls for the American public to draft two candidates to lead the executive branch: one from the center-left, the other from the center-right.

Photo by David Becker/Getty Images
Politics & Current Affairs
  • The #Unity2020 plan was recently outlined by Bret Weinstein, a former biology professor, on the Joe Rogan Experience.
  • Weinstein suggested an independent ticket for the 2020 presidential election: Andrew Yang and former U.S. Navy Admiral William McRaven.
  • Although details of the proposal are sparse, surveys suggest that many Americans are cynical and frustrated with the two-party system.
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