Roman Mars에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Roman Mars 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
Learn how to dodge scams to protect your money, then understand how to compare robo vs. traditional investment risks. What should you do if your credit card is compromised in a scam? Are robo-advisors riskier than traditional brokerage accounts? Hosts Sean Pyles and Elizabeth Ayoola discuss how to spot and respond to identity theft and dig into how robo-advisors stack up to traditional investing platforms to help you protect your financial life. They kick off Smart Money’s new Scam Stories series by welcoming guest Scramble Hughes, a circus performer and scam victim, who shares a real-life experience with credit card fraud. They discuss tips and tricks on recognizing red flags like mass spam messages, acting fast by calling the number on your card (not clicking links), and filing credit freezes with all three credit bureaus. Then, investing Nerd Bella Avila joins Sean and Elizabeth to discuss how robo-advisors compare to traditional brokerage accounts. They discuss risk levels in automated portfolios, SIPC insurance protections, and key factors to consider when choosing a platform like account minimums, platform stability, and user experience. See NerdWallet’s top picks for the best robo-advisors of 2025 here: https://www.nerdwallet.com/best/investing/robo-advisors 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: credit card fraud, how to report identity theft, robo advisor vs brokerage account, SIPC insurance limits, credit freeze Experian, how to freeze your credit, credit card scams TikTok, how to know if a text is a scam, what is a robo advisor, tax loss harvesting robo advisor, ETF risk robo advisor, ETF diversification, FDIC vs SIPC, how to block spam texts, freeze credit TransUnion, safest robo advisors 2025, best robo advisor for ETFs, hacked credit card reader, RFID credit card theft, how to recover from identity theft, difference between SIPC and FDIC, scams targeting small business owners, how to secure your investment accounts, how to protect credit card information, email spam after identity theft, what to do after credit card theft, how long do fraud refunds take, when to freeze credit, best practices after identity theft, and comparing investment platform safety. 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…
Roman Mars에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Roman Mars 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
Some of our favorites from the first two years of 99% Invisible.
Roman Mars에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Roman Mars 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
Some of our favorites from the first two years of 99% Invisible.
If you’re a beer nerd, or have a friend who’s a beer nerd, you’ve heard of Belgian beers. Belgians take beer very seriously. Amongst the 200 Belgian breweries, there’s a very specific sub-type: Trappist beers. According to our reporter Cyrus Farivar (also from Episode #36 “Super Bonn Bon”), there are two things you need to know about Trappist beers. First, they’re amazing. Second, they’re made by Trappist monks. These monks trace their roots to a monastery in 17th century France, and have since spread out to all over the world. The main concept behind the Trappist lifestyle is that the abbey should be economically self-sufficient. In other words, the monks should make something and sell it to the public as a way to fund the operations of the abbey itself. Some make cheese. Some make spirits. There’s even one in Germany that makes lentil soup. But none of the Trappist products are as famous as the beer. The beer that is considered the best of the best is Westvleteren 12. With its plain brown bottle, no label, the only writing is on the cap- the beer is super cool. It’s quite rare and year after year it’s rated the best beer in the world. But here’s the thing about Westvleteren. You can’t just go there and have as much beer as you want. You can’t even have it shipped from the abbey. If you want to buy beer to take with you, you have to look up the beer reservation phone number on the abbey’s website. Then, you call certain phone number during certain hours, on certain days. If you’re lucky enough to talk to a monk to take your reservation, you have to give your license plate number and be available to come pick up your crate during the appointed time that weekend. You’re limited to one crate per person per car, maximum two per car. And, you can’t buy more than one crate during a 60-day period. You also have to agree not to resell the beer. This sort of thing is not unheard of: velvet ropes and random reward have long been imposed to create artificial scarcity to heighten demand, but the mainstream trend today seems to be more geared toward greater access and accommodation for customers. The new ideal is that everything is available, at all times, no matter where you live. Yet the Westvleteren Trappists are trying to make it as difficult as possible. Jef van den Steen, author of a book called “Trappist: The Seven Heavenly Beers” and an acclaimed brewer himself, says that’s not the case, “Before, Westvleteren was only well-known was in Belgium. And now it’s worldwide, and that’s the problem. They decide we will brew the same amount as the last 40-50 years, and they have enough for that, so why must they brew more? Because you want? No. They live between the walls of the abbey, so for them it’s not a problem.” The “customer service” is not designed to provide convenience for the consumer of their beer, it is designed for monks themselves. Their “customer” is God. They have a mission, and making beer is only a fraction of that. The Head of the Abbey says, "We are not brewers. We are monks. We brew beer to be able to afford being monks." Cyrus Farivar recently returned to California after having lived in Bonn, Germany for two years. These days, he can be found frequenting The Trappist bar in downtown Oakland. He plans on presenting a bottle of Westvleteren 12 to his favorite bar owners. His book, "The Internet of Elsewhere," was published last year.…
"Cities exist to bring people together, but cities can also keep people apart" Daniel D'Oca, Urban Planner, Interboro Partners. Cities are great. They have movement, activity and diversity. But go to any city and it’s pretty clear, a place can be diverse without really being integrated. This segregation isn’t accidental. There are design elements in the urban landscape, that Daniel D’Oca calls “weapons,” that are used by “architects, planners, policy-makers, developers, real estate brokers, community activists, neighborhood associations, and individuals to wage the ongoing war between integration and segregation.” Daniel D'Oca is an urban planner with Interboro Partners, an architecture and design firm based in New York City. Over the past few years, D'Oca, along with colleagues lTobias Armborst and Georgeen Theodore have been cataloguing all the stuff inside of a city that planners use to increase or restrict people's access to space. They're publishing their findings in a book called The Arsenal of Inclusion and Exclusion: 101 Things That Open And Close the City (Fall 2012). D’Oca took our own San Greenspan and Scott Goldberg on a tour of Baltimore to demonstrate the subtle ways different neighborhoods are kept apart.…
“I have this habit of walking into any door that’s unlocked…You start poking around, going into doors…you find the coolest things…” -Andrea Seabrook, NPR Congressional Correspondent In the eight years Andrea Seabrook has been reporting on Congress, she has made it a point to get to know the whole Capitol building. "The members of the House Republican Caucus--and sometimes the Democrats--meet in the basement for their closed door secret strategy sessions," Andrea says. "And it's really good place to get a tip from members that you know about what’s going on." One day, after getting the info she needed for her story, she decided to press further on into the depths of the Capitol. That's when she found the marble bathtubs. The bathtubs were installed around 1860 during the expansion of the Capitol. DC is known for its swampy summers, and legend has it that senators could be banished from the chamber if they were too smelly. But lawmakers--like most Americans at the time--didn't have indoor plumbing at home. They needed a place where they could wash up. So the Architect of the Capitol ordered six marble bath tubs, each three by seven feet and carved by hand in Italy, to be installed in the Capitol basement--three on the House side, three on the senate. Today, only two tubs remain on the Senate side, in a room which now stores the building's heating and cooling equipment. But evidence of room's former grandeur remains.…
“There's a secret jazz seeping from Washington's aging Metro escalators - those anemic metal walkways that fill our transit system…they honk and bleat and squawk…why are you still wearing those earbuds?” -Chris Richards, “Move along with the soundtrack of Metro's screechy, wailing escalators” Washington Post Ever since the industrial revolution, when it became possible for products to be designed just once and then mass produced, it has been the slight imperfections and wear introduced by human use that has transformed a quality mass produced product into a thing we love. Your worn blue jeans, your grandmothers iron skillet, the initial design determined their quality, but it’s their imperfections that make them comfortable, that make them lovable, that make them yours. And if you think that a “slightly broken” escalator can’t be lovable, then our own Sam Greenspan would like to introduce you to Chris Richards. Chris Richards is a music critic for the Washington Post, and after years of ignoring the wailing and screeching of the much maligned, often broken escalators in the DC Metro, he began to hear them in a new way. He began to hear them as music.…
If Dennis Baxter and Bill Whiston are doing their job right, you probably don’t notice that they’re doing their job. But they are so good at doing their job, that you probably don’t even know that their job exists at all. They are sound designers for televised sporting events. Their job is to draw the audience into the action and make sports sound as exciting as possible, and this doesn’t mean they put a bunch of microphones on the field. This episode of 99% Invisible is produced by Peregrine Andrews for Falling Tree Productions. It is an extract from a much longer, and really stunning doc called “The Sound of Sport.”…
I want to be careful not to overstate what it means for a building to die. A building’s worth is an infinitesimal fraction of the worth a person’s life. Even two buildings don’t even move the needle in comparison to real human loss. But a building is still a living thing in a way. It breathes and it moves. This movement makes a sound. Les Robertson, the structural engineer of the World Trade Center, says that the people working inside the tower couldn’t feel this movement, but they could hear it. This episode of 99% Invisible was produced with the Kitchen Sisters, Davia Nelson and Nikki Silva, and the creaking “Buildings Speak” section was mixed by Jim McKee of Earwax Productions. It’s comprised of extracts and outtakes from the Peabody Award Winning Sonic Memorial Project produced in 2002. A new, tenth anniversary edition of the Sonic Memorial Project, which is narrated by my literary hero Paul Auster, is going to be playing on public radio stations around the country. Find out where and when it’s playing on your local public radio station and make an appointment to listen.…
Last year, Steve Burrows CBE (Principle at the engineering consulting firm Arup) spent several weeks in Egypt studying the pyramids through the eyes of a modern day structural engineer. The result, which was presented in a documentary for the Discovery Channel and published in an article for Design Intelligence, presented fascinating insights into the design of the pyramids and offers some lessons in how we may think about sustainability through longevity in modern architecture. Burrows’ research reveals that some of the same practical considerations that structural engineers and architects contend with today, may have driven all the major decisions about the design and construction of the Giza Pyramids.…
If you look at the outer hull of commercial ships you might find a painted circle bisected with a long horizontal line- this simple marking is called the load line, or as I prefer, the Plimsoll line- and not to oversell it, but this elegant graphic design has saved thousands of lives. Tristan Cooke (http://Humansindesign.tumblr.com) tells us the history of the Plimsoll line and explains why it's one of his favorite examples of design.…
When I spoke with Allison Arieff about the design of airports she said to me, if all airports simply played Brian Eno’s album Music for Airports over the speakers, every airport would be better. I say this to serve not only as an introduction to Allison Arieff, but also so you’ll know that she is someone whose judgment is perfectly true. Using the new T2 terminal at SFO as an example, Allison Arieff of the New York Times talks us through some of the considerations that go into designing an airport terminal, how the priorities have changed since 9/11, and how architects struggle to keep pace with ever-changing technology.…
Nicholas Felton is an information designer. Since 2005, he has tabulated thousands upon thousands of tiny measurements in his life and designed stunning graphs and maps and created concise infographics that detail that year’s activities. The results were originally intended for his friends and family, but the “personal annual reports” have found an audience with fellow designers and people that really geek out on seeing lots of data, beautifully presented. In 2010, Nicholas Felton’s father passed away, and Felton decided to turn his annual report into a full biography of his father. He took 4,348 of his father’s personal records and created an intimate portrait of a man using only the data he left behind. I produced this story with Nate Berg, who is an awesome freelance journalist and blogger at Planetizen (a site you should add to your daily routine).…