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An Evening’s plan
What are you doing this evening? It’s me—the Evening. You’ve been rushing around all day, checking boxes, chasing minutes, and I’ve been waiting patiently on the horizon. Now it’s my turn. First, I’ll slip in gently, softening the sky with colors your camera can never quite capture—amber, violet, a little… Listen ⇢
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An Open Thank-You Letter to Shri Nitin Gadkari
Dear Shri Gadkari Ji, I recently traveled from Delhi to Jaipur on the NE4 expressway, and I feel compelled to write this note of gratitude. As an Indian living in the United States, I am used to world-class highways and transport networks—but this trip made me realize that India is… Listen ⇢
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Tariffs, Rates, and Charge-Offs: The 3 Macro Knobs That Will Move These IPOs in 2025–26
Why this matters now: Klarna and Figure are heading to market into a noisy macro backdrop. Three dials—tariffs, interest rates, and charge-offs—will decide whether BNPL and home-equity lending trade like growth, or like cyclical finance. Reuters+1 Key takeaways The basics: what each knob actually does Tariffs → prices. Tariffs are… Listen ⇢
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Figure’s Bet: Can Blockchain Make Home Equity Loans 10× Faster—and Public-Market Ready?
Figure has launched its IPO roadshow with a targeted valuation of ~$4.1B, highlighting its ability to fund HELOCs in around 10 days compared to the industry norm of 42 days. The company reported ~$191M revenue and ~$29M profit in H1 2025, relying predominantly on HELOC originations and sales for revenue. Listen ⇢
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Who’s Priced Right? Klarna vs Figure—Growth, Profit Path, Credit Risk & Multiples
Why this now: Both Klarna (BNPL) and Figure (HELOC lender) are lining up U.S. IPOs. If you want fintech exposure without a 50-page S-1, here’s the quick, side-by-side on growth, profitability paths, credit risk—and when each can “win” in a portfolio. Key takeaways 1) The basics: what each does Klarna… Listen ⇢
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Klarna vs Credit Cards vs UPI: How People Actually Pay—and Why That Matters for Investors
Why this now: Payments are shifting under our feet. UPI is exploding in India, BNPL keeps edging into checkout, and credit cards still own big-ticket rewards and revolving balances. The rails people choose change who earns interchange, fees, and float—key to how payment businesses get valued. Key takeaways The basics:… Listen ⇢
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Three Futures for Each IPO: Bear, Base, Bull (Simple KPIs You Can Update Monthly)
Why this matters now: Klarna (BNPL) and Figure (HELOC platform) are listing into choppy markets. If you can track a few simple, update-each-month numbers, you’ll know whether each name is drifting bearish, staying on track, or breaking out bullish. Klarna is guiding shares at $35–$37; Figure posted a profit in… Listen ⇢
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Oversubscribed IPOs: What It Means, How Allotment Works, and Why Your Fill Might Be Tiny
Why this matters now: Hot listings are back, and many are oversubscribed. If you’re a retail investor applying through your broker or app, understanding how shares get rationed will save you stress—and set realistic expectations. Key takeaways Oversubscribed, in plain English An IPO is oversubscribed when investors try to buy… Listen ⇢
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A Perfect Week: Scheduled by Me, Your Calendar
Describe your ideal week. Hello, it’s me—the Calendar. You think you run the week, but really, I do. Every tick, every plan, every pause goes through my pages. And if I were in charge of creating your perfect week, here’s how I’d design it. Monday – No chaos, no frantic… Listen ⇢
Meet the podcast host, Naomi Ellis.
Join Naomi's warm insights that turn complex biographies into relatable stories that inspire and educate the public.
