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What Should I Do With My Money?


1 Can We Afford a Wedding, a Home and IVF? 26:12
26:12
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אהבתי26:12
As a newly engaged couple, Jules and Shay have a lot to look forward to: a destination wedding, starting fertility treatments and the potential of buying a home. But their goals have a short horizon, are they able to save enough to accomplish three large milestones within a five-year period? In this episode, Jules and Shay sit down with Carolina, a Morgan Stanley Financial Advisor to discuss short- and long-term savings strategies, utilizing company benefits and how their families can help them save for a down payment . For more information about this episode and the topics covered, check out our episode page and explore how you can connect with a Morgan Stanley Financial Advisor . Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley Smith Barney LLC or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, a Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. This material has been prepared for informational purposes only. It does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Important Risk Information for Securities Based Lending : Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC, its affiliates and their employees are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY © 2025 Morgan Stanley Smith Barney LLC. Member SIPC. CRC# 4766848 (09/2025)…
PlanetScale: GitHub for databases or stateless storage in the cloud?
Manage episode 355563895 series 3448482
תוכן מסופק על ידי Eficode. כל תוכן הפודקאסטים כולל פרקים, גרפיקה ותיאורי פודקאסטים מועלים ומסופקים ישירות על ידי Eficode או שותף פלטפורמת הפודקאסט שלהם. אם אתה מאמין שמישהו משתמש ביצירה שלך המוגנת בזכויות יוצרים ללא רשותך, אתה יכול לעקוב אחר התהליך המתואר כאן https://he.player.fm/legal.
PlanetScale, what is it? This has been something that's been trending lately, we've been really excited about it. Is it GitHub for databases or stateless storage in the cloud? We think it's definitely the next great leap for databases., and to talk about it, we have invited Lilli Seyther-Besecke and Johannes Nicolai from PlanetScale.Related content:-Transform your business with GitHub Enterprise: https://hubs.li/Q01n__fz0-From Git to zero-day delivery in one go: https://hubs.li/Q01p01Jn0-Blog: War of the CI servers – GitLab vs. GitHub vs. Jenkins: https://hubs.li/Q01n__XJ0-Lilli Seyther-Besecke on LinkedIn: https://www.linkedin.com/in/lilli-seyther-besecke/-Johannes Nicolai :https://www.linkedin.com/in/johannes-nicolai-b508208/
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210 פרקים
Manage episode 355563895 series 3448482
תוכן מסופק על ידי Eficode. כל תוכן הפודקאסטים כולל פרקים, גרפיקה ותיאורי פודקאסטים מועלים ומסופקים ישירות על ידי Eficode או שותף פלטפורמת הפודקאסט שלהם. אם אתה מאמין שמישהו משתמש ביצירה שלך המוגנת בזכויות יוצרים ללא רשותך, אתה יכול לעקוב אחר התהליך המתואר כאן https://he.player.fm/legal.
PlanetScale, what is it? This has been something that's been trending lately, we've been really excited about it. Is it GitHub for databases or stateless storage in the cloud? We think it's definitely the next great leap for databases., and to talk about it, we have invited Lilli Seyther-Besecke and Johannes Nicolai from PlanetScale.Related content:-Transform your business with GitHub Enterprise: https://hubs.li/Q01n__fz0-From Git to zero-day delivery in one go: https://hubs.li/Q01p01Jn0-Blog: War of the CI servers – GitLab vs. GitHub vs. Jenkins: https://hubs.li/Q01n__XJ0-Lilli Seyther-Besecke on LinkedIn: https://www.linkedin.com/in/lilli-seyther-besecke/-Johannes Nicolai :https://www.linkedin.com/in/johannes-nicolai-b508208/
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210 פרקים
كل الحلقات
×Send us a text Are password changes really keeping us secure? Is writing passwords in a notebook always bad? Can Apple devices really not get viruses? In this episode of DevOps Sauna, Pinja and Darren take on some of the most common myths around cybersecurity. From password managers, MFA, and VPNs, to cloud security, insider threats, and even the risks of random USB sticks—no misconception is safe. Join us as we separate fact from fiction and uncover how security really works in practice.…
Send us a text In this episode, Pinja and Darren take a critical look at the state of DevSecOps through the lens of three recent industry reports from Snyk, Checkmarx, and Datadog. From “shift left” gone wrong, to the cultural gaps between development and security teams, to metrics that don’t always measure what matters—what’s really happening with security in DevOps today? They discuss whether DevSecOps is truly “dead,” or simply in need of a reset, and explore practical steps teams can take to rebuild trust, reduce friction, and embed security as a natural part of development. Plus: the risks AI introduces into DevOps security, and why small steps can still make a big difference.…

1 How do you make money out of AI? 30:44
30:44
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אהבתי30:44
Send us a text In this episode of DevOps Sauna, Pinja and Darren sit down with Eficode’s Lead AI Consultant, Henri Terho, to unpack the hype and realities around artificial intelligence in business. They explore why so many AI projects fail, what true success looks like, and how companies can actually see return on investment. From data quality challenges and security concerns to the legal landscape and the so-called “AI bubble,” the conversation digs into both the risks and the opportunities of AI transformation. Whether you’re curious about strategy, implementation, or the future of work, this episode sheds light on how organizations can make AI truly pay off.…

1 NPM Supply Chain Attack: Lessons in Security and Human Error 16:27
16:27
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אהבתי16:27
Send us a text A major security incident shook the JavaScript world when malicious code was discovered in 20 widely used NPM packages, collectively downloaded over 2 billion times per week. In this episode, Pinja and Darren break down what happened, how a phishing email led to the breach, and why human error remains one of the biggest risks in cybersecurity. They explore the scope of the attack, its surprisingly small financial impact, and the broader lessons around open-source trust, dependency management, and the need for SBOMs. Plus, they discuss how tools like DependencyTrack can help developers protect their software supply chains, and why transparency in mistakes—like that shown by maintainer Josh Junon—is essential to building a stronger security culture.…

1 The ethics of AI: data, privacy, and responsibility 24:21
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אהבתי24:21
Send us a text In this episode of DevOps Sauna , Pinja and Darren dive into one of the most pressing topics of our time: the ethics of AI. From copyright infringement and data usage to environmental impact and corporate responsibility, they unravel the hidden costs behind today’s AI boom. They explore how big tech handles data, the consequences of AI monopolies, and why regulation is a double-edged sword. Most importantly, they discuss what individuals, companies, and the industry at large can do to ensure AI is used ethically and responsibly. If you’ve ever wondered whether AI can be ethical—or how you can use it more responsibly—this conversation is for you.…

1 Summer News Roundup: AI Bubbles, GitHub Changes & Saunas in Australia 20:33
20:33
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אהבתי20:33
Send us a text In this summer catch-up episode of DevOps Sauna , Darren and Pinja dive into the biggest tech and culture stories of the past months. From OpenAI’s failed Windsurf deal and Google’s licensing swoops, to Sam Altman calling AI a bubble and GitHub’s leadership shake-up, they explore how AI, security, and open-source are reshaping the industry. They also unpack Nvidia’s $4 trillion milestone, US and EU AI regulation battles, and a surprising study on insecure code releases. And to close on a lighter note, they celebrate the global spread of Finnish sauna culture—now floating on rivers in Australia.…
Send us a text As summer holidays roll in, Pinja and Darren take a step back from the usual deep dives into DevOps to reflect on the past six months of the DevOps Sauna. From endless AI debates and myth-busting episodes (“Is Jenkins dead?”) to accessibility, platform engineering at the edge, and even a full episode on sauna culture, they revisit the highlights, surprises, and fun along the way. They also share some of Eficode’s recent wins, welcome a new CEO, and admit to pulling off a very Finnish April Fools’ episode. Join us for a lighter, summer-ready conversation that celebrates both the serious and the silly moments from the podcast so far.…

1 How we won Atlassian’s Partner of the Year (and what it means) 24:35
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אהבתי24:35
Send us a text In this episode, we celebrate winning Atlassian’s Partner of the Year – World-Class Software Development award and explore what it truly means. CTO of Managed Services Kalle Sirkesalo joins Darren and Pinja to discuss how Eficode transforms the way teams build software—focusing on culture, tools, processes, and people over code. From AI and platform engineering to security and feedback loops, we unpack how to create lasting impact in modern software development.…

1 Platform Engineering on the Edge: NIS2, Ransomware & Reality Checks 22:25
22:25
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אהבתי22:25
Send us a text In the final episode of their mini-series on platform engineering at the edge, Darren and Pinja dive deep into the often-overlooked security risks of edge and IoT environments. From car key hacks and USB-based keyboard attacks to ransomware targeting medical devices and smart cities, they reveal how proximity and physical access change the rules of cybersecurity. You’ll also hear practical ways to secure your edge platforms, the role of platform engineering in remote monitoring, and how upcoming EU regulations like NIS2 and the Cyber Resilience Act may shape the future.…

1 Platform engineering on the edge: The fascinating real-world scenarios 33:10
33:10
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אהבתי33:10
Send us a text Darren and Pinja continue their series on platform engineering on the edge by diving into some of the most fascinating real-world use cases. From software updates on the Voyager space probes and Antarctic research stations to cars, planes, and even grocery delivery robots, they explore how platform engineering makes these edge deployments reliable, self-healing, and secure. This episode is full of stories and lessons on what it takes to manage software far beyond traditional data centers and clouds.…

1 Platform Engineering on the Edge 22:38
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אהבתי22:38
Send us a text Darren and Pinja break down the basics of platform engineering on the edge, from the “boring” to the truly remote and unreachable. They explore how GitOps, Kubernetes, and infrastructure as code enable reliable software updates in spotty or disconnected environments—whether in cars, factories, ships, or even Mars rovers—and why getting edge engineering right matters now more than ever.…

1 Vibe Coding and Supply Chain Security 29:35
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אהבתי29:35
Send us a text Darren and Pinja dive into the risks of “vibe coding,” discussing how AI-generated code, supply chain attacks, and typosquatting increase security challenges, and explore practical ways to secure dependencies and prepare for the future of AI-driven development.
Send us a text Patrick Debois, known as the father of DevOps, joins Darren Richardson and Pinja Kujala to discuss the future of software development, the evolving role of AI in the SDLC, and how developer experience and human judgment fit into an increasingly automated world.

1 Visionaries, Rebels and Machines with Jamie Dobson 30:19
30:19
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אהבתי30:19
Send us a text In this episode of the DevOps Sauna, Darren Richardson and Pinja Kujala sit down with Jamie Dobson to explore his new book Visionaries, Rebels, and Machines —a high-energy journey through the breakthroughs and lucky accidents that pushed technology from steam engines to today’s AI-powered cloud. Learn how adopting AI-led DevOps practices can supercharge your teams and set your organization on the path to becoming truly AI-native: https://www.eficode.com/services/ai-success-roadmap-for-software-development…

1 Eficode’s 20th Anniversary Episode 31:37
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אהבתי31:37
Send us a text Celebrating the 200th episode of the DevOps Sauna podcast, Darren Richardson and Pinja Kujala are joined by longtime Eficodeans, Ilari Nurmi, Henri Hamalainen, and Marko Klemetti, to reminisce and celebrate the history of Eficode and the company's 20th anniversary. NOTE: This episode was recorded to celebrate our company’s 20th anniversary and features a conversation with Ilari, who—at the time—was serving as Eficode's CEO. Since then, Ilari has moved on from the company. We want to take a moment to thank him for his incredible leadership over the past six years, a period marked by remarkable growth. His impact on our journey will be lasting, and we’re grateful to have captured his reflections during such a meaningful milestone.…
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