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Save It 4 The Podcast

Save It 4 The Podcast

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Winners of the 2019 Kansas City Peoples Choice Award for best podcast, SI4TP is a podcast where you may find yourself shaking your head, trying to chime in on the discussion, or even slightly uncomfortable. No matter which one it is, you will be thoroughly entertained listening to the outrageous conversations the crew has. Like, share, & subscribe but above all save time for Save It 4 The Podcast.
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Frugal Friends Podcast

iHeartPodcasts and Jen Smith & Jill Sirianni

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Controlling your spending is hard to do. On every episode of Frugal Friends, we'll try to help you gain a little more control on one aspect of the countless directions your money is being pulled toward through frugality and a few laughs. If you're trying to save money, spend less, adopt minimalism, pay off debt or reach financial independence, we think you'll like the show.
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On the edge of a primordial forest sits a remote logging village. Burdened by the weight of this hostile terrain, a demanding empire, and a string of bad luck, Rally teeters on the brink of collapse. And these four idiots probably won’t be able to save it.
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Kate Hills is on a one-woman mission to save UK manufacturing. In this podcast she shines the light on British brands and manufacturers, and goes behind the scenes of their businesses. With tips, hints and tricks to help you manufacture in the UK and buy British. Never has there been a more critical time to get behind 'made in Britain'.
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The Inspired Budget Podcast helps women live their best life and reach their money goals. Join Allison Baggerly for inspiring conversations to help you learn more about budgeting, saving money, paying off debt, and investing for your future. You’ll be hearing not only from Allison, but others along the way that have a story and voice to share.
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***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST*** Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth? You’re in the right place! We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck. We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions ...
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In December of 2023 I asked God if there was anything new for the coming year. I immediately heard in my heart, ”Save America.” I have since heard others using those same words, and after much prayer, I am settled that it is a directive from God for 2024. It is a serious time and I will be dedicating the remainder of this year to sharing how you and I can ”Save America.”
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Sharing inspiring financial stories from everyday normal people. From financial industry professionals, hobby money bloggers to 80-year-old retirees, there are so many exciting financial stories for you to uncover. Tune in every Wednesday to The Art Of Money & Communication podcast, where we focus on achieving financial freedom and improving your communication skills.
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Betrayal: Weekly

iHeartPodcasts and Glass Podcasts

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The Betrayal community is growing. From the producers that brought you the critically acclaimed Betrayal limited run series, a new always on docuseries will hit the feed every week. Our lives are all built on an invisible force: trust. But sometimes, the people we trust the most can turn out to be complete strangers. Every week, Betrayal: Weekly will share first-hand accounts of broken trust, shocking deceptions, and the trail of destruction they leave behind. Hosted by Andrea Gunning, this ...
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Impact Winter

Audible Originals

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“They came after the impact and the firestorms. When the sun went dark. Like they’d been there all along. Just waiting.” From executive producers of The Walking Dead and Travis Beacham, the writer of Pacific Rim, comes a heart-stopping Audible Original featuring a brilliant British cast. It’s the near future and seven years since a comet hit the earth and blotted out the sun. The world is a dark, frozen landscape. And then, beastly creatures emerge and take over. Can they really be vampires? ...
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Pod Save America is a no-bullshit conversation about politics hosted by former Obama aides Jon Favreau, Jon Lovett, Dan Pfeiffer, and Tommy Vietor. It cuts through the noise to break down the week’s news and helps people figure out what matters and how they can help. They’re regularly joined by journalists, activists, politicians, entertainers, and world leaders. You can watch on YouTube or listen to new episodes every Tuesday, Wednesday and Friday. Ad-Free Pod Save America episodes availabl ...
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And We Know is based on Romans 8:28 “And we know that all things work together for good to them that love God, to them who are the called according to his purpose.”
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This is a quick summary of the most important articles we covered this week on the JournalFeed blog. It’s the audio spoon-feed! Help you to read less, learn more, and save lives!
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The Vault at 201 N Broadway is the official business podcast of Big Sky Economic Development in Billings, Montana's City! We interview community leaders, small business owners, entrepreneurs, and resource partners here in Montana to share their stories, expertise, industry insights, and strategies. Learn how to better start, manage, and grow your business and your leadership. Tangible takeaways to save you time and improve whatever it is that you’re working on.
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Time to go inside what it’s like to be a bouncer. Listen to the horror stories, the night life stories, and so much more. Phil, Mitch, and Diggz breakdown what goes on in the night life. Support this podcast: https://podcasters.spotify.com/pod/show/distillednightlife/support
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Your friends might not want to talk about money, but I do! Hi, I’m Ruth and I’m a blogger on Personal Finance and in this podcast I tell the stories of Kiwis and their experiences with the money in their lives. How do they use it or how does it use them? Where do they save and invest it and does it work? What are their financial triumphs and financial train wrecks? How can you extract the most out of life and spend as little as possible while doing it? Join me as I ask the questions everyone ...
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Nailing it is dedicated to sharing inspiring success stories as well as valuable business advice for small business owners, aspiring entrepreneurs and anyone who just wants to nail it in life. This podcast will share practical tips on how to nail it at work or with your own business and meet those who are nailing it in their fields.
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Entrepreneur Stories 4⃣ Inspiration

Millionaire Interviews Podcast & Sir Austin Peek

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Entrepreneur Inspiring Stories to Help Motivate, Build, & Grow Your Successful Business with a Master Class from Entrepreneurial Thought Leaders that tell it How It Is... Millionaire Interviews is actionable advice for the (future & present) Entrepreneur, Thought Leaders, Solopreneur, Youpreneur, and Small Business Owner. The host interviews Business Founders in the Product, Service, Real Estate, and Tech industries so they can teach you from their experience. Connect with other Listeners @ ...
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**TOP 2.5% FINANCE AND BUDGETING SUPPORT PODCAST** *** TOP 100 IN THE UNITED STATES *** Do you find it hard to save or get out of debt? Are you constantly searching for ways to save money and live on a budget? Do you have big dreams only to be stopped by not sticking to your budget? Are you ready for financial freedom? Then you, Mama, are in the right place! In this podcast you will learn what it looks like to budget on one income, how to partner with God in your finances, how to budget in a ...
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Budget Nerds

You Need a Budget

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Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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The Financial Mirror

The Financial Mirror

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Take control of your financial future. This personal finance podcast provides actionable strategies and insights to help you make smart money moves. Learn how to budget, save, invest, reduce debt, and optimize your finances from the inside out. We believe that the path to financial success starts with understanding and improving ourselves first. Discover what it takes to build long-term wealth and achieve financial freedom. Get motivated to make positive changes to your financial habits and ...
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It's "The West Wing" meets "Nancy Drew" - a podcast for little girls and political junkies. Legend says whoever sees the Demon Cat of Capitol Hill is cursed. Fina Mendoza, the 10-year old daughter of a congressman, just saw it. Can she save her family from “cat”astrophe? These are the Fina Mendoza Mysteries. www.finamendozamysteries.com
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Serialously with Annie Elise

10 to LIFE & Audioboom Studios

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Serialously is hosted by Annie Elise, best known for her true-crime YouTube channel “10 to Life” with over 1M subscribers. Annie Elise discusses true crime cases and gives it to you straight in an engaging, conversational way - just like having a conversation with your best friend, or hopefully your new true crime bestie! *This podcast is not affiliated with The New York Times.
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The ComicBook Nation podcast is the ONLY show that covers ALL things Geek Culture thanks to a talented group of experts, fans, and insiders — aka the staff of ComicBook.com. CB Nation covers everything from Marvel, DC, Big Movies and TV releases, Gaming, Anime, Wrestling - and everything in between - as we deep-dive into discussing and breaking it all down for both diehard and mainstream fans.
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Is it possible to solve the disconnection issues in your relationship? This podcast will explore how to solve it, but here's a hint: it takes ongoing work. The good news is that when we know how to have a harmonious and connected relationship, it feels good and can motivate us to keep doing it. This podcast is for couples and parents. We explore how to help you have a strong relationship with your partner and your kids if you have them. Jason A. Polk is a relationship therapist and a Clini-C ...
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Everyone's Talkin' Money: Personal Finance, Financial Freedom, Mental Health and Money Therapy For All

Shannah Game, Money Podcast for Women, Personal Finance, Relationships & Mental Health & Glassbox Media.

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Want to know the secret to financial success? It’s talking about the other side of money. Get this - money decisions are 90% emotional and 10% how-to (yep, that’s why you emotionally spend). So, if you’re ready to get financially unstuck and transform your money, you’ve got to do it from the inside out. Everyone’s Talkin’ Money, named a Top 4 Money Podcast by The New York Times, is the podcast you’ve been looking for. Everyone’s Talkin’ Money is not your average personal finance podcast if y ...
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The Fiscal Physical Podcast

Ryan Nelson & Aaron Hoisington

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Welcome to The Fiscal Physical Podcast, where financial empowerment meets expert insights! Join host Aaron Hoisington in dynamic conversations with Ryan Nelson, owner of Alchemy Wealth Management and author of "Your Fiscal Physical." Whether you're a finance novice or a seasoned investor, each episode demystifies financial concepts, providing practical tips tailored for every stage of your financial journey. Our engaging discussions aim to make finance accessible and exciting for everyone.
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Master Your Marriage

Sharla and Robert Snow

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The average couple waits 6 years to get help in their marriage. That's 6 years of pain, hurt, frustration and lost opportunity. This podcast is designed to help you NOT become a part of that statistic. Hosted by Dr. Robert and Sharla Snow — themselves married for 31 years — The Master Your Marriage show is here with straight-talking guidance on how to fill your marriage with fun, friendship and love, without it ever feeling like "hard work." No matter how long you've been struggling with you ...
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Listen to the How To Save Your Marriage Podcast, a Relationship Podcast Show with Nicola Beer full of Marriage Advice Tips To Have More Happiness, Overcome Afffairs, Cheating and Stop Divorce... Each save my marriage podcasts offer practical strategies to repair, rebuild and strengthen your relationship. 7 SECRETS TO STRENGTHEN YOUR RELATIONSHIP Get my free e-book to fix your relationship today https://training.nicolabeer.com/7-secrets-marriage WATCH THE FREE RELATIONSHIP MASTERCLASS https:/ ...
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THEMOVE

Lance Armstrong

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Lance Armstrong presents a singular perspective on the world’s most iconic cycling races, including the Tour de France and the Classics, as well as the broader endurance sports scene. Not your typical cycling or sports podcast, THEMOVE brings listeners deep inside the racing action, imparting insights from someone who knows the suffering and splendor like no one else. In addition to course previews and timely race analysis from Armstrong’s distinct point of view, the audience also gets to he ...
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Two fifty-something music fanatics and entertainment industry veterans work through the decades to create a GenEx playlist and delve deep into the artists and songs that shaped their lives and continue to inspire them today. Listen along with Matt & Sheryl's GenExcellent Playlist on Spotify and Apple Music:https://open.spotify.com/playlist/2dtoMOrC7FwrSIh70Tqi06?si=2a7bc45a03c44038
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Hey there, fellow real estate investors, FIRE enthusiasts, and tax aficionados! Welcome to "Real Estate is Taxing" – your go-to weekly podcast for all things real estate taxes, hosted by Natalie Kolodij, EA- Real Estate Tax Strategist and dry humor extraordinaire. Each week, we're breaking down complex tax topics into bite-sized, understandable explanations, with no regard for how many obscure references it takes to get there.
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Dungeons and Don’t Worry About It! Just some dudes, rolling dice, telling stories. Listen to a world with lumberjacks, snacks, music, hilarity, and more! DDWAI is a Dungeons and Dragons actual play podcast that changes genre season by season. The current season, What’s Wrong With Westburg is set in a perfect town. Join Stuart, Forest, Damien, and Dr. Matthew Powers, four citizens of Westburg. The four must figure out how the perfection stopped and how to fix it. Listen now!
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GasBuddy’s ”Over a Barrel” podcast will keep you in the loop on fuel price trends from top to bottom. From hurricanes, to pipeline outages and everything in between, we’ll share knowledge and expertise from the leading experts. GasBuddy covers 150,000 gas stations in North America, giving drivers 27 ways to save on fuel. You’ll know before anyone else when fuel prices are about to spike or plunge.
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Is your marriage or relationship on the brink? Here are four things you can do to save your marriage. Essentially, there needs to be something different and not more of the same. These four things are usually the most common complaints partners have. Check it out! Click to learn more about our couples therapy agency in Denver, Colorado.…
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Get your LT PetClub InForce today: http://ltpetclub247.com/ ——————————— *Our AWK Website: https://www.andweknow.com/ *The Patriot Light: https://thepatriotlight.com/ ➜ AWK Shirts and gifts: https://shop.andweknow.com/ *BOWLING BROS: Sons Bowling channel: https://www.youtube.com/@Bowling_Bros/videos ————————————————— Robert F. Kennedy Jr.’s day: htt…
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The JournalFeed podcast for the week of Aug 19-23, 2024. These are summaries from just 2 of the 5 articles we cover every week! For access to more, please visit JournalFeed.org for details about becoming a member. Wednesday Spoon Feed: Using the aortic dissection detection (ADD) risk score in addition to point-of-care ultrasound (POCUS) and D-dimer…
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The Fina Mendoza Mysteries follow the adventures of the 10-year-old daughter of a congressman, investigating mysteries in the U.S. Capitol. Fina enlists the help of an expert as she continues the search for the bird that pooped on the President: a bird dog. Meanwhile, Gabby's in the doghouse for posting selfies on Instagram. In episode 9 of The Fin…
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Click here to get your coffee: https://www.huntersblendcoffee.com/?ref=AWK ——————————— *Our AWK Website: https://www.andweknow.com/ *The Patriot Light: https://thepatriotlight.com/ ➜ AWK Shirts and gifts: https://shop.andweknow.com/ *BOWLING BROS: Sons Bowling channel: https://www.youtube.com/@Bowling_Bros/videos ————————————————— isn’t it funny ho…
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The ComicBook Nation crew previews the Fall TV and Movie schedules and share their hype levels for some of the most highly anticipated releases! There’s also a review and discussion of The Crow reboot starting Bill Skasgard! PLUS: Debate about the stat of Star Wars after The Acolyte’s cancelation. To learn more about listener data and our privacy p…
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THEMOVE regulars Johan Bruyneel and Spencer Martin briefly discuss how Johan's pick, Wout van Aert, won Stage 7, and how the day changed their outlook on race leader Ben O'Connor, before previewing the Vuelta's Stage 8, which is another medium mountain stage with a tough uphill finish that could go to either the breakaway or GC group. Listen in to …
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Thanks for listening! For more resources on improving your happiness, well-being, and relationships, check out Nicola Beer's gifts below :=== CONTACT NICOLA === Visit www.nicolabeer.com or email at nb@nicolabeer.com. === FREE RESOURCES ==== Relationship Reconnect Toolkit: https://training.nicolabeer.com/relationship-reconnect Ultimate Confidence To…
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"The person with an experience is never at the mercy of the person with only an argument." This is a quote that Eddie begins with in this episode where he explains that although we do base our doctrine solely on experience, experience will inform and affirm our doctrine if we allow it.By Eddie L. Hyatt
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Snag Our Signature Budget Template! In this episode, we’re hanging out with Jess, a dedicated dietitian with a big financial goal—saving her first $10,000! We’re diving deep into practical steps to take control of your finances and make that first major milestone a reality. Whether you're trying to break free from the paycheck-to-paycheck cycle or …
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Life update! Because so much can change in two years. While the story remains the same, learning, perspective, and goals definitely change. But it’s a good thing to remind ourselves of the hard times we’ve come across and surpassed. In this episode, Jen and Jill rewind Jill’s debt pay-off journey to celebrate being debt-free and also, her very spec…
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Blake and Jesse pick up their conversation from episode 217 by looking at tithing/giving in the New Testament. Ultimately, they seek to answer this question faithfully: Should Christians practice the Old Testament tithe, or is there a better way to live generously for the Kingdom? 𝗦𝗵𝗼𝘄 𝗡𝗼𝘁𝗲𝘀 𝗪𝗶𝘁𝗵: Blake Barbera and Jesse Dunn 𝗪𝗮𝘁𝗰𝗵 𝗧𝗵𝗶𝘀 𝗘𝗽𝗶𝘀𝗼𝗱𝗲 𝗼𝗻 …
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In the biggest speech of her life, Kamala Harris gives a dazzling address making the case for herself and her vision, and absolutely torching Donald Trump and Project 2025. Jon, Lovett, Dan, and Tommy talk about why the speech was so effective and why it was so different than what we've seen at past conventions. Then, Gov. Gavin Newsom stops by the…
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THEMOVE regulars Johan Bruyneel and Spencer Martin briefly break down Stage 6's chaotic turn of events 6, before previewing the Vuelta's Stage 7, which serves up another stage that could go to either the breakaway or bunch sprint. Listen in to see how the duo thinks the action will play out, who will come out on top, and which riders present the be…
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Send us a Text Message. so here we are with Episode 6 of it's not terminal with Bruce Edwards from Doncaster Radio, yours truly Mark Chadwick from the #saveDSA campaign and our guest this week is Lee Pitcher MP for Doncaster East and isle of Axholme With a personal and professional frank conversation about DSA and his memories about the airport, wh…
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Gamescom 2024 is finally here and has brought with it our most news in months. Gearbox finally announced that Borderlands 4 is real, but the timing of its reveal comes at a strange time. Meanwhile, Indiana Jones and the Great Circle is coming to PS5, which is both to be expected and strange. Alongside all of this news, we also played Kingdom Come D…
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Maximize Tax Benefits by Employing Your Children: Key Strategies and Pitfalls https://www.natalie.tax https://www.incite.tax In this episode of 'Real Estate is Taxing,' host Natalie Kolodij delves into the strategy of employing your children in your business. She outlines the numerous benefits, including significant tax savings and the opportunity …
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In this inspiring episode, Allison sits down with Deacon Hayes to discuss his journey to becoming debt-free. Deacon shares how he and his wife paid off $52,000 in debt in just 18 months and the strategies they used to achieve financial freedom. What You'll Learn: Debt-Free Story: Hear about the moment when Deacon and his wife realized they needed t…
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Scouse Drag Superstar, Danny Beard is our latest guest on Nailing It. Danny won Ru Paul's Drag Race UK in 2022, before that they gained success following Britain's Got Talent and has since presented on Radio One, and become the face of Pride across the UK. Danny is taking his show 'Straight Expectations' on the road with various dates across the UK…
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In this episode, we're diving deep into why women tend to have less money and are more likely to end up in poverty than men. But don't worry, we're not just here to dwell on the problem - we have an excellent guest here to help us find solutions! The incredible Kim Curtis - bestselling author of Money Secrets: Keys to Smart Investing and Retirement…
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Today’s episode dives into everything happening this week in true crime. From new cases to updates on existing ones and more. Going on TOUR!! Get your tickets now at: https://annieelise.com/blogs/events Beam: Head to https://www.shopbeam.com/ANNIEELISE and use code ANNIEELISE for an additional 40% off. Don’t forget supplies are limited and you can …
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Tim Walz gives a model acceptance speech in front of thousands of roaring delegates, his beaming family, and the football players he coached. Oprah Winfrey makes a surprise appearance, RFK Jr. plans to drop out and endorse Donald Trump, and Trump complains about Barack Obama's "nasty" criticisms. Then, Gov. Gretchen Whitmer joins the pod to talk ab…
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THEMOVE regulars Johan Bruyneel and Spencer Martin briefly break down Stage 5's thrilling sprint finish before previewing the Vuelta's Stage 6, which serves up another uphill finish that could further shape that GC. Listen in to see how the duo thinks the action will play out, who will come out on top, and which riders present the best betting valu…
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This week on ComicBook Nation's The Pull List, the crew breaks down everything that happened in Marvel's Ultimate Spider-Man #8 and Wolverine: Revenge #1, which features the return of Greg Capullo to Marvel! We also check in with DC's Absolute Power, including dream team-ups between Superman and Zatanna and Wonder Woman and Damian Wayne, and then d…
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BRIGHTCORE: 25% Off Your Entire Order with promo code: AWK — Get up to 50% Off + Free Shipping when you call in to order! (888) 317-9941 https://www.mybrightcore.com/andweknow ——————————— *Our AWK Website: https://www.andweknow.com/ *The Patriot Light: https://thepatriotlight.com/ ➜ AWK Shirts and gifts: https://shop.andweknow.com/ *BOWLING BROS: S…
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Snag Our Signature Budget Template! Hey Budget Besties! 💸 In this episode, we're sharing some of the most inspiring breakthroughs from our recent coaching sessions with clients who run their own businesses. From realizing hidden income to creating clear, actionable plans for debt payoff and business growth, these stories are packed with lessons on …
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Barack and Michelle Obama and Doug Emhoff make the argument for Kamala Harris with a trio of pitch-perfect speeches to the delegates in Chicago. Harris accepts the nomination with a surprise live greeting broadcast from her packed rally in Milwaukee. Then, California Senator Laphonza Butler joins the show to talk about the Kamala Harris she's gotte…
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"Contempt is the most destructive of all negative behaviors in relationships." In this episode of the Master Your Marriage podcast, we discuss destructive pattern number three: unbridled expression. We explore the negative impact of expressing every thought and emotion without restraint, and how it can lead to hurtful and damaging behavior in relat…
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In this Ask Shannah, I'm answering two questions from listeners struggling to find the correct financial answers. Question 1 - "Am I on the right track financially?" I'll discuss how to determine whether your current financial actions are right and what you can do once you build a financial foundation. Question 2- "Should I consider debt consolidat…
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On today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's principles into daily practice, and today he shares some of his favorite ideas, including: Why you should go ahead an…
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THEMOVE regulars Johan Bruyneel and Spencer Martin briefly break down Stage 4 of the Vuelta a España, which served up the first big GC showdown, before previewing the Vuelta's Stage 5, which serves up another hilly stage that could favor either a strong breakaway or produce another sprint finish. Listen in to see how the duo thinks the action will …
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Welcome to Anime Initiative, the show here at ComicBook where we talk all things anime, manga, and more. In this episode, we’re breaking down the biggest news of the week with topics like Witch Watch, Hunter x Hunter, and Dandadan. Plus we dive into Jujutsu Kaisen as the manga just locked in its end date. To learn more about listener data and our p…
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Jennifer Holland is a longtime writer for National Geographic where she has covered animal behavior, evolutionary biology, natural history, and more. She is also a book author, whose latest work ‘Dog Smart’ looks at the different ways we can re-consider the intelligence of our canine companions. Instead of anthropomorphizing them and evaluating aga…
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Hey Mama, How often do you find yourself struggling financially? Have you ever wondered why? Why do you feel like you are struggling financially when all of your bills are covered, you’re able to feed your family and other needs are met? Well that my friend is what today’s episode is about. God shared with me a truth behind the real reason we are s…
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Send us a Text Message. Unlock the secrets of the yield curve with financial expert Ryan Nelson, founder of Alchemy Wealth Management and author of "Your Fiscal Physical." Ever wondered why the yield curve is such a hot topic among investors and economists? This episode will clear up the confusion, presenting the yield curve as a straightforward gr…
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Joe Biden takes the stage at the Democratic National Convention—after an interminable pre-program that pushes him out of prime time—and tells the adoring crowd that it's time for Kamala Harris to finish the work he started. Hillary Clinton calls on history, AOC leans into the dignity of work, and Steve Kerr promises to say "Night night" to Donald T…
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As our guest, Jocelyn Kelly Reid, Queen of the Relaxed Millions Movement and host of the Queen Flow podcast, just mentioned, you must be good at four steps to build wealth. Chances are you’re like the rest of us: good at a couple of those steps but not so good at the others. So, how do you create change to build wealth? Well, Jocelyn believes the s…
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Are you also one of those who goes “I’ll keep this, just in case” and then years go by and you still haven’t used it, but when you revisit the item, you keep it in again just in case? If so, consider this a wake-up call: you don’t need all of this stuff! In this episode, Jen and Jill join Dawn Madsen of The Minimal Mom to share her life living with…
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Welcome to WEDŪ's stage preview and prediction-focused show, OŪTCOMES, which is hosted by THEMOVE regulars Johan Bruyneel, who has led teams to nine Tour de France titles as a director, and Spencer Martin, writer of the Beyond the Peloton in-depth race breakdown newsletter. The duo uses their extensive knowledge of the sport to attempt to predict t…
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