In this episode David and Cindy start off with the roundtable and discuss the inconveniences of when people show up early for parties and those who show up extremely late.

In the financial topic they discuss things that you can do to finish your budgeting and investing off for the year. This includes retirement planning including IRAs, Roth IRAs and 401(k)s.

In addition, how to manage bonuses, FSAs and HSAs and the review of spending habits to analyze the yearly budget.

For the stories montage they discuss how a 51-year old cipher was cracked by enthusiasts that was sent by the zodiac killer in 1969.

Lastly, the review the story Christoper Havens who is in jail for murder where discovered his love for math and how his problem solving acumen for complex equations are being published in acadmeic journals.

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 https://www.cbc.ca/radio/thecurrent/the-current-for-oct-15-2020-1.5763055/how-a-convicted-killer-s-passion-for-math-inspired-him-to-change-his-life-and-others-1.5753905

 https://www.sfchronicle.com/crime/article/Zodiac-340-cypher-cracked-by-code-expert-51-years-15794943.php

In this episode David and Cindy discuss how to manage your holiday budget so that you can avoid building up credit card interest. In addition, they discuss the real art of meaningful gift giving, cost effective ways to give to a charity and the white elephant gift event.

In the roundtable, they discuss a past encounter where they followed a drunk driver and got him off the road who turned out to be a local priest.

In the Coronavirus montage, the first story highlights Christmas trees and why some of them have praying mantis eggs hanging from their branches.

The second topic covers the monolith that was discovered in Utah and who has since stolen it from the desert.

In the last story, Cindy shares unusual stories that people encountered from their past holiday parties.

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I Like Turtles Video:

https://www.youtube.com/watch?v=CMNry4PE93Y

In this episode David and Cindy discuss pet insurance. They analyze how it works and what you need to consider before choosing to pay for coverage. In addition, they discuss the need for owners to factor in pet insurance into their budget.

In the roundtable they discuss how their son chooses to pay for parking tickets at college which is still cheaper than paying for a semester parking pass. Hopefully no one else catches on to his logic.

In the Coronavirus montage they discuss the story of a fertility doctor that inseminated eight known patients who bore his children and they discuss the warning that doctors are giving to families not play board games over the holidays.

In this episode David and Cindy take a question from a listener who asks . . . Is there a standard ratio on how to allocate savings? I do not know how to decide how much to put into my retirement account versus my taxable investments, vs. CDs/High-yield savings, etc.

So, David and Cindy break down each scenario and provide guidance for the best way to invest.

In addition, they cover the story of three sisters who determined through DNA testing that their father was a missing person and had been raised by the family who kidnapped him.

Lastly, they review odd and unusual quips from what people revealed about their family DNA stories.

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 https://www.goodhousekeeping.com/life/parenting/a33391252/kidnapping-dna-test/