3 Ways to Listen to Free Music Online – Downloads, Streaming & Radio

Back in the day, there were only two ways to listen to recorded music. You could tune your radio to a local station and hear whatever song happened to be playing, or you could go down to the record store and buy a copy of your favorite songs on a vinyl disc.

Today, that sounds quaint. According to The Guardian, digital music downloads overtook sales of physical recordings on CD or vinyl way back in 2012. More recently, even digital downloads have lost ground to music streaming services. In 2020, streaming accounted for 85% of all the music industry’s revenues, according to the Recording Industry Association of America.

All this technology has made listening to music significantly cheaper. According to a 2017 Nielsen report (via Digital Trends), the average consumer spends only $156 on music each year. Savvy consumers know there are several ways they can get most of their digital music for free — leaving more money in their budgets to enjoy a live concert or two.

How to Listen to Music for Free Online

There are three primary ways to get your favorite music for free online. Which one you choose depends on what you’re looking for.

1. Streaming Music Online

Today, streaming services are indisputably the most popular way to listen to music. With a streaming music service, you don’t own the songs you play, but on the plus side, you’re not limited to the number of tracks you can fit on your phone or MP3 player.

Streaming services can take several forms. Some are subscription services that play music selected for you, some are more like radio stations, and some simply play tunes on demand. However, many online music sources blur the boundaries between these categories.

Internet Radio

Internet radio stations work the same way as old-school radio: They select songs, and you listen to whatever pops up. But instead of being limited to the few stations in range, you can choose from a vast list of specialized stations that suit particular musical tastes. Also, if you hear a song you really can’t stand, you can just skip it — something you can’t do over the airwaves.

Some services take this personalization to its logical extreme by creating custom radio stations to suit a user’s tastes. Instead of a live DJ choosing which tune to play next, algorithms select songs for you based on which artists and music you say you like.

Advertising funds the majority of Internet radio stations. But some let you upgrade to an ad-free experience for a small monthly fee. Choosing a paid version also lets you skip songs more frequently. Most online radio stations limit users of free accounts to six skips per hour.

There are multiple internet radio stations to choose from.


Started in 2000, Pandora is one of the top streaming sites on the Internet. Its music-picking algorithm, known as the “Music Genome Project,” analyzes the songs you like best and then presents you with other songs that share similar qualities.

According to Digital Trends, Pandora’s music collection is pretty decent, with about 40 million tracks for its on-demand service. However, the main reason to listen is its “magic algorithms,” which do a fantastic job of picking out songs to match your tastes. You can listen on a range of devices, including computers, smartphones, TVs, and car audio systems.

Pandora’s basic service is free. However, you can pay to upgrade to ad-free listening with Pandora Plus for $4.99 per month. On-demand listening via Pandora Premium costs $9.99 per month for individuals, $14.99 for families with up to six members, $4.99 for students, and $7.99 for military members.


Formerly known as Slacker Radio, this service relaunched as LiveXLive in 2017. The new name reflects its focus on providing live music streams. The service earns an Editors’ Choice designation from PCMag, which praises its “curated stations” hosted by experienced and informative DJs.

Along with its extensive music collection, LiveXLive offers live news from ABC and pop culture tales called “Slacker Stories.” It also hosts videos featuring music news, interviews with artists, and even live performances. It’s easy to use on multiple platforms, with apps for Android, iOS, Amazon Fire TV, Apple TV, and Roku.

A free account comes with 128 kilobits per second audio and the ability to skip up to six songs per hour — and plenty of ads. You can remove these limitations and upgrade your speed by upgrading to Plus ($3.99 per month). Going up to Premium ($9.99 per month) gives you access to on-demand and offline listening.


At Last.fm, you create a custom profile that’s continuously updated with info about what artists and genres you’re listening to. The site uses this feature, which it calls “scrobbling,” to make personalized recommendations for new music. It also has a social media component, introducing you to other music lovers who share your tastes.

A basic subscription to the site is free. An ad-free version with extra features costs just $3 per month. You can listen to Last.fm on the Web or through its desktop and mobile apps. The apps can also track what music you listen to from other streaming music services and use that information to enhance your profile.


One of the newest players in the Internet radio field is Jango. Like Pandora, this service creates custom radio stations based on your musical tastes. You select your favorite artists, and Jango plays music from those artists and similar ones. You can fine-tune the playlist by rating songs you especially like or never want to hear again.

Jango also has hundreds of ready-made stations. Some are based on different genres, such as country, classical, or hip-hop. Others focus on more specific themes, such as today’s top 100 hits or Christmas songs.

You can listen to Jango over the Web or via an app for Android or iOS (iPhone, iPad, and iPod Touch). The service is 100% free and supported by ads. However, if you link Jango to your Facebook account, you will hear only one commercial per day. The mobile apps sometimes offer ad-free listening as well.

Subscription Services

A subscription streaming music service is like a library filled with songs users can check out but not keep permanently. Most subscription services make money by charging a fixed monthly rate in exchange for unlimited listening. But many also offer free accounts funded by advertising.

Amazon Music

There are two ways to listen to Amazon Music. If you have an Amazon Prime subscription, it comes with access to a limited catalog of 2 million songs. This basic, ad-supported service has thousands of stations and playlists, and you can listen offline with unlimited skips. You can also use Alexa, Amazon’s smart assistant, to control playback and discover new music.

If you want more music, you can upgrade to Amazon Music Unlimited. It gives you ad-free, on-demand access to 75 million songs in HD. Over 7 million songs are available in Ultra HD, and the service also includes access to exclusive Ultra HD remastered albums. Amazon Music Unlimited also gives you access to other audio, such as podcasts.

Your first 30 days of Amazon Music Online are free. After that, it costs $9.99 per month for Prime nonmembers or $7.99 per month if you have a Prime subscription.


Named the best all-around music streaming service by Digital Trends, Spotify is by far the most popular on-demand streaming service in the world today. There are several ways to use it:

  • Discover new music through the site’s curated playlists.
  • Create playlists from Spotify’s collection of more than 50 million tracks.
  • Browse playlists created by others, including friends, performers, and celebrities.

All music on Spotify is free, but upgrading to a Spotify Premium subscription for $9.99 per month gives you several extra perks. You get better audio quality, ad-free playback, and the ability to save songs for offline listening. You can also play songs on demand in the mobile app, a feature that’s unavailable with a free subscription.

You can listen to Spotify over the Web or via its iOS and Android apps. It also runs on certain gaming consoles, smart speakers, and car audio systems.

YouTube Music

The free version of YouTube Music is like a cross between a radio station and an on-demand streaming service. It invites you to name some of your favorite artists and uses that information to recommend albums, curated playlists, and custom playlists for you.

But unlike most online radio stations, YouTube Music lets you move around these lists at will, skipping forward or backward. Ads are relatively infrequent, according to Gizmodo, and it’s possible to skip some of them. You can also search for specific artists, albums, and tracks by name, save your favorites to your library, and create playlists.

YouTube Music also has some extra features most music services don’t provide. For instance, you can switch back and forth between audio tracks and music videos with the tap of a button. The service can also search for a song based on its lyrics.

All this is available free over the Web and on Android and iOS. However, upgrading to YouTube Music Premium for $9.99 per month lets you listen ad-free and stream in the background while your device is off. If you subscribe to YouTube Premium for streaming video, you get access to YouTube Music Premium for free.


Though it’s not as well known as other streaming services, Deezer is surprisingly full-featured. This service provides a blend of on-demand streaming, live radio, podcasts, videos, and exclusive content — all for free.

On the Web or your desktop, Deezer recommends playlists for you based on your favorite artists and genres. You can also search a library of 73 million for specific tracks to create your own playlists. Deezer also provides synchronized song lyrics. However, the free service is available only on desktops, mobile devices, and a few home devices. It also limits skips.

If you upgrade to Deezer Premium ($9.99 per month) or Deezer Family ($14.99 per month), you get ad-free streaming, an offline mode, and unlimited skips. You can also connect on up to three devices at once, including smart speakers, smart TVs, wearable devices, game consoles, and car audio systems. You can try Deezer Premium free for 90 days.

Free Trials

Some streaming music services don’t have free ad-sponsored versions, but they do offer free trials. These give you a chance to test the service and decide whether it’s worth coughing up the cash for a monthly subscription.

Apple Music

With a library of over 75 million songs, Apple Music is the ideal streaming service for anyone who relies on Apple devices. It’s the only service you can control with the Apple Watch or voice commands to Siri, Apple’s smart assistant. Windows users can also use Apple Music via iTunes on their computers, but it doesn’t work as smoothly, according to Digital Trends.

Apple Music allows you to store up to 100,000 songs in your personal streaming library. If you’re an iTunes user, you can find many of your songs already available in the streaming library when you first sign up. The service also includes Apple Music 1, a 24-hour radio service curated by noted DJs and musicians.

The free trial period is 90 days. But according to Insider, you can double this to six months by signing up through an account with Best Buy. After the trial, choose from three service tiers: student at $4.99 per month, individual at $9.99 per month, and family at $14.99 per month.


Both PCMag and Digital Trends agree that Tidal, a streaming service owned by top rap artist Jay-Z, has top-notch audio quality. It also offers exclusive content for hardcore music fans, such as timed releases from top artists like Beyoncé, live streams, concerts, and backstage footage. It even provides early access to certain concert and sports tickets.

Tidal offers a library of over 70 million songs and 250,000 music videos. However, as Digital Trends notes, it’s not easy to discover new music, and the interface can be buggy. Also, Tidal doesn’t provide lyrics, unlike many other services. You can listen on computers, mobile devices, smart TVs and streaming devices, smart speakers, and car audio systems.

The free trial period lasts 30 days. After that, Tidal Premium is $9.99 per month for individuals and $14.99 per month for families. Tidal HiFi, with lossless-quality sound, is $19.99 per month for individuals and $29.99 per month for families. But there are discounted subscriptions available for students, military members, and first responders.

SoundCloud Go

This service is the streaming counterpart to SoundCloud’s music download service. Digital Trends calls SoundCloud Go the best way to discover new indie music thanks to its vast library of 120 million user-created tracks. Its higher-tier SoundCloud Go+ adds another 30 million tracks from major labels and ad-free listening.

The service has nearly 200 million active users each month, and tons of lesser-known artists upload their newest songs regularly. However, unlike many other services, it doesn’t use algorithms to help you find music, so it can take some work to search through all the content to find your new favorites.

The free trial period is seven days for SoundCloud Go and 30 days for SoundCloud Go+. If you like it, you can pay $4.99 per month for SoundCloud Go or $9.99 per month for SoundCloud Go+.

Free Streaming on Demand

Some sites don’t require a subscription to stream music — you just go to the site, pick a track, and listen. For instance, on YouTube, you can type in the name of just about any song and find a video version of it.

The artists or their labels post some of these. But some are amateur videos created by fans, and some have just the music accompanied by a blank screen or lyrics. For example, a search for the popular song “All About That Bass” by Meghan Trainor turned up Trainor’s official video, a live performance of a jazz cover version, and numerous fan-created videos and parodies.

YouTube is an excellent place to find that obscure song you heard years ago, even if you’re unsure of the title or the artist. Just type in the most memorable line from the song, and let YouTube’s search engine do its thing. Using this method, I tracked down two old novelty songs: “Put the Lime in the Coconut” by Harry Nilsson and “Right Said Fred” by Bernard Cribbins.

2. Free Music Downloads

In the age of the Internet, it’s very easy to download music illegally. However, if you prefer to stay on the right side of the law — and support your favorite artists and the music labels that support them — you need to dig a little deeper to find free music downloads that are also legal.


In addition to its streaming service, Amazon has a massive catalog of digital music for download, including more than 5,000 free songs. Many of these are obscure tracks by relatively unknown artists. But there are also a few gems by better-known performers, such as the rock band Foo Fighters and the folk artist Carole King.

Finding free tracks on Amazon is a bit tricky since the site keeps trying to redirect you to Amazon Music. Your best bet is to search the Internet for “find free music downloads on Amazon” and follow the first non-sponsored link you find.


The primary SoundCloud service is sort of like YouTube for recording artists. Any user can upload music to the site, making it available for other users to download or stream.

Not all the music on SoundCloud is free, but you can find free tracks by both major and lesser-known artists. You can search the site for specific artists or genres or just browse the selections of trending music. SoundCloud’s services are also available through mobile apps for iOS and Android.


Much like SoundCloud, SoundClick provides a place for independent artists to make their music available directly to listeners. Founded in 1997, this site now offers millions of tracks spanning a variety of genres. You can find hip-hop, electronic, rock, alternative, acoustic, country, jazz, and even classical.

You can stream unlimited tracks via SoundClick or download them in both MP3 and lossless format. As a subscriber, you get your own profile page and custom playlists. You can follow your favorite artists, connect with other users, and support artists through tips.

Free Music Archive

Created by independent freeform radio station WFMU in New Jersey and now owned by the Dutch music collective Tribe of Noise, the Free Music Archive is a collection of free legal music tracks submitted by users and partner curators. All music on the site appears under Creative Commons licenses, which let artists make their work available for various uses without surrendering their rights.

Digital Trends calls the archive “a veritable treasure trove of free content” you can search by title, artist, genre, and length. The site also hosts a wealth of podcasts and some live radio performances from big-name artists.


Another site that distributes free music under Creative Commons licenses is Jamendo. Around 40,000 artists from more than 150 countries have contributed more than 500,000 tracks, available for streaming or download, to the site.

According to Digital Trends, this site offers a streamlined user interface that makes it easy to browse and find new musicians. Even though most artists featured here aren’t well known, it’s easy to find the most popular tracks based on their user ratings, so you don’t have to sift through countless songs to find the good stuff.

If you need music for commercial purposes — for instance, in a video you want to distribute for profit — Jamendo offers a licensing service. For a monthly fee of $49, you get an unlimited number of tracks for commercial online use.


NoiseTrade is a project of the award-winning lifestyle magazine Paste. The “trade” in the name means artists give you their music on the site in exchange for your email address and postal code. It’s a win-win for users, who get free tracks or entire albums, and for artists, who get to build their fan bases.

Digital Trends describes this site’s interface as simple and clean. You can easily search tracks, browse recommendations, promote your favorite artists via social media, and send them tips with a credit card.


Many well-known artists, including Imagine Dragons and Alabama Shakes, built their fan bases from scratch by sharing their music on ReverbNation. The site hosts over 3.5 million artists representing a mix of genres, like rock, R&B, indie, hip-hop, country, and folk. Its Discover feature can help you find up-and-coming artists in genres that interest you.


Hip-hop artists have long used mixtapes to spread their work. In that tradition, DatPiff offers access to a variety of new free music from both new rappers and mainstream artists like Drake and Future. According to Digital Trends, it’s the leading place to download new tapes, view release schedules, and listen to compilations created by fans.


A newer, up-and-coming player in the mixtape realm is Audiomack. It focuses on hip-hop, rap, and trap music from both newcomers and established artists like Kodak Black. Some artists on this site allow only online streaming of their songs, but there are still plenty of downloadable tracks.


Another genre-specific site is CCTrax. Although it hosts tunes from various genres, it has an unparalleled collection of electronic music, including dub, techno, house, downtempo, and ambient. Many of the singles and albums are licensed by Creative Commons and free for use in other works.


Classical music lovers can find lots of free recordings, sheet music, and even textbooks at Musopen. Most classical music pieces are in the public domain, so it’s perfectly legal to distribute them for free. The site has a vast library of royalty-free recordings you can search by composer, performer, form, instrument, or period.

Live Music Archive

For live concert recordings, Live Music Archive is the place to go. The site is a collaboration between the Internet Archive, a nonprofit repository of digital media, and Etree.org, a community for sharing concert tapes. Recordings date back to 1959 and span a wide variety of genres, including rock, reggae, and jazz — and over 15,000 Grateful Dead shows.

According to Digital Trends, this site can be tricky to navigate. There’s no search function, but you can filter results by artist, title, or date. When you find what you want, you can stream it or download it in MP3 or FLAC (free lossless audio codec) form.

3. Broadcast Radio

Even in the brave new world of digital media, there’s still room for the old-fashioned kind. In fact, according to a 2019 Nielsen report, more Americans tune in each week to old-school radio — over the airwaves — than any other platform, including TV and all Internet-connected devices.

Far from killing off broadcast radio, the Internet has revitalized it. A couple of decades ago, you could only listen to your favorite radio station when you were in range of its antenna tower, which made it hard for smaller stations with less power to compete. Today, as long as you have an Internet connection, you can listen to any radio station that has a livestream.

For example, if I want to listen to my local NPR station, WNYC, I can just type “WNYC.org” into my web browser and click the Listen Live button. It’s a lot easier than fiddling with the radio knobs to hit the right frequency and allows you to listen to local radio, even when you’re traveling.


The Internet can help you discover new radio stations as well. At TuneIn, you can find and listen to Web streams from 100,000 radio stations around the world. Sports, news, podcasts, and talk radio are also available.

You can listen to any station on TuneIn with a free subscription. But your stream will include all the ads played on the radio station. With a premium subscription, which costs either $9.99 per month or $99.99 per year, you can listen to many stations ad-free and reduce the number of ads on others.

In addition to its website, TuneIn is available to download as an app for iOS or Android devices. You can also listen via car audio systems, smart speakers, game systems, smart TVs, streaming devices, and wearables.


Another site devoted to traditional radio is iHeartRadio. You don’t need a subscription to tune into radio stations or search for one by location. The site also gives you access to podcasts and playlists based on genres, decades, or moods.

With a free subscription to the site, you can build Pandora-style custom stations based on specific songs or artists you like. You also gain full access to IHeartRadio’s podcast collection as well as a custom library in which you can save your favorite stations, music, and podcasts.

For $4.99 per month, you can upgrade to a Plus subscription. It allows you to skip as many songs as you like, play songs and albums on demand, and save and replay songs you hear on the radio. With an All-Access subscription ($9.99 per month), you can also create unlimited playlists and download songs for offline listening.

Final Word

Despite all the Internet has to offer, digital music may never entirely take the place of physical recordings. There are even signs the old-fashioned record store is making a comeback. According to the Recording Industry Association of America, more than 40% of all profits for sales of physical recordings in 2018 came from vinyl LPs and EPs.

The world of modern music isn’t so much about digital versus analog, recorded music versus streaming, or custom radio versus curated stations. Rather, it’s all about choice. Music lovers today have more options than ever for listening to music exactly the way they want. And thanks to the Internet, they also have plenty of options for how much they spend on it.

Source: moneycrashers.com

Where to Find Free or Cheap Audiobooks Online

For many book lovers, the biggest problem with their favorite hobby isn’t the money it requires. It’s the time. There are plenty of places to pick up cheap books and e-books. But finding a free moment in your busy week to sit down with a book can be a much more significant challenge.

Audiobooks solve this problem. With these recordings, you can listen to a book’s author or a professional voice actor reading a book aloud while you go about your business. They make it possible to enjoy a good book while you’re driving, doing the dishes, or even working out.

Unfortunately, audiobooks can be expensive. Sites like Audiobooks.com commonly price bestselling titles between $15 and $35. At those prices, a two-book-a-week habit could cost anywhere from $1,560 to $3,640 per year. But you can find audiobooks for much less — or even completely free — if you know where to look.

Where to Find Free Audiobooks

If you just want the occasional page-turner and don’t mind a limited selection of books (often focused on older titles), you’ll save the most money by sticking with free audiobook sites.

All these sites are both free and legal. Some feature volunteer-recorded works that are no longer under copyright, while others offer newer books freely contributed by their authors. You can download or stream from them without fear of stealing or otherwise harming hardworking authors and publishers. And there are many such sites to choose from.

When choosing a free audiobook site, make sure you have the right software to download or stream your books. Most free audiobooks available online are in MP3 format, which works with any device capable of playing digital music files. You can stream them with audiobook apps such as the Apple Books app for Apple devices and Smart AudioBook Player for Android.

1. E-Libraries

If you’re looking for free audiobooks, first see if your local public library is a member of an electronic lending library, or e-library — collections of digital media provided by public libraries across the country.

If it is, you can use your library card to check out and download audiobooks and other media, such as e-books and videos, from its collection. When you check out an audiobook, you get access to it for a specific period. Once your time runs out, it goes back into the general pool.

There are several ways to find out if your local library is part of an e-library network. You can ask the librarian, consult the library’s website, or do an online search for “e-library” plus the name of your state. Or visit the OverDrive website, click on “Find a Library,” and enter your zip code. Once you find an e-library in your area, you can see what selections and formats it offers.

To listen to your borrowed books, use the Libby app from OverDrive. Libby allows you to check out both e-books and audiobooks from electronic lending libraries. OverDrive also offers an app called Sora specifically designed for use with school libraries.

Audiobook selections at e-libraries vary from one library to the next, just like their book selections. Larger library systems are most likely to have a wide range of audio options, including bestsellers. For instance, the New York Public Library’s digital collection includes over 300,000 e-books and audiobooks. But since only one user can check out a given copy of an audiobook at a time, there can be long wait times for the most popular titles.

Some e-libraries have partnerships with a service called Hoopla. It gives members access to all sorts of digital media: e-books, digital comic books, audiobooks, movies, and TV shows.

If your library works with Hoopla, you can check out any audiobook in its collection through the website or the Hoopla mobile app. It’s available for iOS, Android, Kindle Fire, and various streaming media players.

2. LibriVox

One of the best sources for free audiobooks is LibriVox. Its collection includes more than 10,000 audiobooks read by volunteers from all over the world. You can stream these files right in your browser window or download them to hear later. All books on the site are in the public domain, which means they mostly date from 1923 or earlier.

These public domain audiobooks span a wide range of categories. Children’s books, novels, plays, poetry, erotica, history, philosophy, science, and self-help are all available. You can find such classic works here as Charles Dickens’ “A Christmas Carol,” Walt Whitman’s “Leaves of Grass,” and L.M. Montgomery’s “Anne of Green Gables.” There are also many foreign-language works.

You can even sign up to contribute your own audio recordings to the archive. All you need is a computer, a microphone, and some free recording software, such as Audacity. You can contribute a recording of any book that’s in the public domain. You’re not required to audition, but the site recommends you do a one-minute test recording to check your sound setup.

3. Project Gutenberg

In the 1400s, Johannes Gutenberg developed the first printing press with movable type, which brought printed books to the masses for the first time. In the same spirit, Project Gutenberg aims to make public domain texts available to all readers at no cost. The site is best known for its massive collection of e-books, but it also hosts audiobooks in more than 60 languages.

There are two types of audiobooks at Project Gutenberg. Computer-generated voices read some, but these lack expression and can be hard to understand. But the site also hosts copies of LibriVox recordings made by human volunteers. Selections include Herman Melville’s “Moby-Dick,” Charlotte Brontë’s “Jane Eyre,” and 24 volumes of L. Frank Baum’s Oz series.

4. Internet Archive

Even if your local library doesn’t belong to an e-library network, you can access a collection of nearly 21,000 free audiobooks and poetry readings through the Internet Archive. This massive collection of digital text, audio, and video files aims to make all recorded knowledge accessible to anyone with a computer anywhere in the world.

Some of the audiobooks on the site are recordings made and contributed by its users. Others are from collections of free audiobooks on sites like LibriVox and Project Gutenberg. The collection includes literary classics like Jane Austen’s “Pride and Prejudice,” mysteries like Arthur Conan Doyle’s “The Adventures of Sherlock Holmes,” children’s books like Frances Hodgson Burnett’s “The Secret Garden,” folk tales, and plays.

One unique Internet Archive feature is Mind Webs. It’s a collection of radio dramatizations of classic science fiction stories originally aired on a Wisconsin radio station from the 1970s through the 1990s.

More than 20 years later, the creator of the series contributed his entire collection of tapes to the archive for release in digital form. The series features stories from celebrated sci-fi authors, including Ursula K. Le Guin’s “The End,” H.G. Wells’ “In the Abyss,” Kurt Vonnegut’s “Harrison Bergeron,” and Ray Bradbury’s “Kaleidoscope.”

5. Free Classic Audiobooks

Another site that features public domain audiobooks is Free Classic Audiobooks. Its collection is much smaller than LibriVox’s, but it still has titles by hundreds of famous authors. The most popular downloads on the site include the King James Bible, Jane Austen’s “Emma,” and Nellie Bly’s “Ten Days in a Mad-House.” The site also hosts short stories and audio language courses.

Most selections on this site are available in both MP3 format and M4B, an audio format you can “bookmark” to keep track of your place in the story. However, the M4B files only work on Apple devices.

Although the entire site is free, you can support Free Classics Audiobooks by purchasing a collection of its recordings. You can choose a single USB stick with 200 classic audiobooks, one with 600 short stories, or a collection of seven language courses in MP3 format.

6. Loyal Books

At Loyal Books, you can access over 7,000 free e-books and audiobooks. Most audiobooks on this site are LibriVox recordings of works in the public domain, such as Arthur Conan Doyle’s “The Return of Sherlock Holmes” and Frances Hodgson Burnett’s “A Little Princess.” But there are also some original works submitted by their creators, such as Eric L. Busby’s “Star Trek: Lost Frontier.”

You can stream audiobooks directly from Loyal Books or download them to your device. Audiobooks are available in various formats, including MP3, M4B, and iTunes podcasts. The site also allows you to submit reviews of an audiobook you’ve listened to and read reviews from other users.

7. Lit2Go

While most free audiobook sites are for book lovers in general, Lit2Go specifically targets students. It offers stories and poems in MP3 format with extras that make them useful in a classroom setting. All the works are either in the public domain or licensed for educational use.

For each work, there’s an abstract, a citation to be used in papers, a total word count, and keywords related to the subject matter. There’s also a Flesch-Kincaid grade level, which is a rough indication of how difficult the work is to read. Each audio file comes with a PDF transcript of the text so students can read along or refer to it in the classroom.

Featured texts on Lit2Go include poems by Emily Dickinson, famous presidential addresses and messages, and a collection of books adapted as movies, such as Lewis Carroll’s “Alice in Wonderland” and Edith Wharton’s “The Age of Innocence.”

You can sort through books on the site by author, title, genre, or readability. You can also browse collections of books on a particular topic, such as mathematics, the Civil War, or the concept of happiness.

8. LearnOutLoud.com

Another site that gathers audio files for educational purposes is LearnOutLoud.com. This site offers audio downloads of over 3,000 texts, more than 1,500 free documentaries, and over 1,000 free online courses.

Audiobooks on this site cover a wide range of topics, including history, science, sports, business, and technology. Many of the audiobooks available are not public domain works but newer books published directly by LearnOutLoud.com. The site also offers live recordings of radio interviews by celebrated journalist Studs Terkel.

9. Scribl

The primary purpose of Scribl is to help aspiring authors publish and distribute their books. One way for Scribl authors to promote their works is to turn them into audio recordings using either their own voice or an actor’s and distribute them through the site. Not all Scribl books are available in audio format, but all the audio recordings on the site are original new releases.

Not all audiobooks available through Scribl are free. The site uses what it calls “CrowdPricing,” meaning it bases the price of a book on how many users download it. Thus, the most popular books cost about as much to buy as you’d pay at a typical online bookstore.

But books that aren’t selling as well are much cheaper or even free. Additionally, all newly posted books are free for a brief promotional period. That means users can always find plenty of newly released audiobooks on Scribl at no cost.

Some audiobooks are available as full-length downloads, while others are broken into chunks for streaming. Additionally, every audiobook on the site comes with a free copy of the text in PDF form.

Scribl makes it easy to search for books that interest you. You can sort books by publication date, author, or title. You can also filter the options by book length, language, genre, rating elements (such as violence or sexual content), target age group, setting, and demographic attributes of the main character (like age, gender, race, religion, and sexual orientation).

10. Spotify

Streaming site Spotify is best known as a place to find free music online. But if you browse the books genre within the Spotify app, you can find numerous spoken-word recordings. The collection includes classics like Kate Chopin’s “The Awakening,” Charles’ Dickens’ “Great Expectations,” and the autobiographical “Narrative of the Life of Frederick Douglass.”

Spotify also offers playlists of selections from different types of audiobooks, such as bestsellers, children’s books, or erotica. Some playlists cover stories by specific authors, such as H.P. Lovecraft or J.K. Rowling. You can listen to any of these playlists for free with some interruptions for ads or pay $10 per month for a Spotify Premium account to listen ad-free.

11. Storynory

Many free audiobook sites include some works for children, but Storynory caters exclusively to kids. Selections on the site include fairy tales, classic works, mythology, poetry, and original stories. In the educational section, you can find retellings of culturally important tales, like Bible stories and histories from Herodotus as well as stories that enhance kids’ vocabularies.

You can stream audio files directly on the Storynory site or download them in MP3 format. Each one has accompanying text on the website so kids can read along. There’s a brief introduction for each story summarizing the content and sometimes warning about elements that might be scary for the youngest children.

12. Sync

What Storynory does for kids, Sync does for teens. Sponsored by AudioFile magazine and powered by Sora, this free summer audiobook program provides audio recordings to complement teenagers’ summer reading.

Each year, from late April until late July or early August, the site gives away two free, thematically linked audiobooks each week. The first two selections for summer 2021 are “Come on In,” a collection of 15 stories about immigration and finding a home, and “Illegal” by Francisco X. Stork.

To participate in Sync, sign up for an account on the website. When the free audiobooks become available, you’ll receive a notification by text or email. New titles appear every Thursday at 12am Eastern and remain available on the site for one week only. However, once you’ve downloaded a given title into the app, it’s yours to keep.

13. Open Culture

There’s a smaller selection, about 1,000 titles, of free audiobooks at Open Culture. This site doesn’t host audiobooks itself, but it provides links to free audio files available on other sites, including Apple Podcasts, LibriVox, the Internet Archive, university servers, magazine websites, and YouTube.

Although everything on Open Culture is available elsewhere on the Internet, the site makes these recordings much easier to find. It has put together a list of top-notch audiobooks and arranged them into three broad categories: fiction and literature, poetry, and nonfiction.

Each list sorts works alphabetically by author name. All you have to do is scroll down to locate works by notable authors like Maya Angelou, Ray Bradbury, Jorge Luis Borges, Neil Gaiman, Langston Hughes, Gertrude Stein, and Virginia Woolf.

Where to Find Cheap Audiobooks

Although free audiobook sites offer a lot of choices, they don’t have everything. In particular, if what you really want to hear is a recent top-selling audiobook read by a noted actor, there’s very little chance you can find it for free.

But you can do the next best thing: find it for cheap. You can gain access to a wide array of audiobooks, including new bestsellers, through a subscription service for a low, flat monthly fee. You can also find cheap audiobooks at online stores that offer steep discounts.

When you’re choosing a cheap audiobook provider, be mindful of the software requirements.

Not all audiobook files work with all audio players. For instance, audiobook files with the extensions .aa and .aax work only with Audible’s book-reading software. Fortunately, most audiobook services offer free software to listen to your recordings.

14. Audible

The best-known source of audiobooks is Audible, a subsidiary of Amazon. Its collection includes thousands of titles, many of them read by famous actors like Nicole Kidman and John Malkovich.

However, Audible doesn’t just distribute audiobooks. It also produces them. Audible Originals are exclusive audio titles produced in the Audible studios. These selections span a wide variety of genres, including literature, theater, comedy, and journalism.

For $7.95 per month, you gain unlimited access to Audible’s entire collection. You can stream audiobooks, Originals, and podcasts from the free Audible app, which works with iOS, Android, Sonos, Kindle, and Alexa-enabled devices. You can also save titles to your library for offline listening.

For a higher monthly fee, you can download a certain number of titles each month to keep forever in addition to streaming as many as you like. You retain access to these books even if you let your Audible subscription expire. At $14.95 per month, you get a credit for one premium selection title to keep each month. At $22.95 per month, you gain two monthly credits.

Your first 30 days on Audible are free. After that, Audible automatically bills you each month. But you can cancel your service at any time. You lose access to any credits you have left but retain access to any audiobooks you’ve already downloaded.

15. Downpour

There are two ways to listen to audiobooks on Downpour. You can buy and download individual titles one at a time, or you can sign up for a monthly subscription.

A $12.99 monthly subscription gets you one credit per month, which is good for nearly any book on the site. Since some books are more expensive than others, it can be up to 70% cheaper than buying the audiobooks individually. You can also purchase additional credits for the same price as your monthly membership fee. Unused credits expire after one year.

Unlike Audible, Downpour doesn’t offer a free trial. You start paying for membership as soon as you sign up, and you keep paying each month automatically. But you can cancel at any time and keep the books you’ve already downloaded.

Downpour offers audiobooks on physical CDs as well as downloads in MP3 or M4B format. The Downpour app works on iOS and Android devices. You can also access Downpour from most Web browsers.

16. Audiobooks.com

Like Downpour, Audiobooks.com is both a store and a subscription service. When you subscribe to its VIP Rewards program for $14.95 per month, you receive one monthly credit that’s good for any audiobook on the site. Additionally, you get a second monthly audiobook of your choice from a rotating selection reserved exclusively for VIP Rewards members.

Once you’ve made your monthly book selections, you can either stream them or download them onto an iOS or Android device. If you want more than two audiobooks per month, you can purchase “top-up credits” good for additional books. Alternatively, you can buy books for cash at lower prices than the site offers to nonmembers.

All your selections remain accessible as long as you maintain your membership. If you cancel, you lose access to all the books you chose from the VIP collection. But you keep any books you purchased with cash or credits.

Like Audible, Audiobooks.com offers a free 30-day trial for new members. It also has a family plan that lets your family members listen to all your audiobooks and save their own bookmarks without messing up yours. You can give them listening privileges only, the ability to use your credits to purchase books, or the ability to both buy and use credits.

To stretch your monthly credits even further, visit the deals section of the website. It offers a rotating selection of audiobooks you can get at the rate of two for one credit. Or if you prefer to buy your books a la carte, there’s an assortment of audiobooks priced at $10 or less.

17. Scribd

The online subscription service Scribd (not to be confused with the free service Scribl) offers both audiobooks and e-books in addition to magazines, legal documents, and even sheet music. You can’t purchase books directly through Scribd, but you can read or listen to as many books as you want. The monthly fee is just $9.99 per month after a 30-day trial.

In addition to its basic membership, Scribd offers a $12.99-per-month Scribd + NYT bundle. It includes all of Scribd’s regular features plus a basic digital access subscription to The New York Times. For people who already read the Times, this costs about 25% less than subscribing to both services separately.

18. Chirp

Chirp is a store where you can buy audiobooks at dramatically reduced prices. Unlike subscription services, it doesn’t charge a monthly fee, though you must sign up for membership to purchase books.

Chirp is best known for its limited-time deals. Authors and publishers temporarily list their books on the site at discounts of up to 95% to attract new readers. Members can sign up for personalized emails to learn about limited-time deals on books that match their interests. In addition to its special discounts, Chirp offers low everyday prices on other audiobooks.

Each book you buy on Chirp goes into your digital library on the site. You can stream them from the site, through the free iOS or Android app, or through any Alexa-enabled device. You can also download your books for future listening. Any book you buy is yours to keep permanently.

Final Word

Becoming a regular audiobook listener doesn’t mean giving up on the printed word. You can continue to curl up with a good book for an hour before bed, pull up an e-book on your phone in a doctor’s waiting room, or read aloud to your kids every evening.

But by adding audiobooks to the mix, you can make more time for reading. You can tune into an audiobook whenever you’re stuck in traffic or doing mindless tasks like household chores. Time that would otherwise go to waste can suddenly become an opportunity to learn, expand your imagination, or just enjoy sinking into a good story.

Source: moneycrashers.com

What Is Deflation – Definition, Causes & Effects

Think back to your first job. Do you remember what it paid?

For many people, the answer is easy to remember: whatever the local minimum wage was at the time.

Depending on how much time has elapsed since that first foray into the labor force, you’ve probably advanced in your career such that you’re no longer earning minimum wage or close to it. Still, millions of workers do earn minimum wage today. And there’s a very good chance that wage is higher — perhaps significantly so — than yours was back in the day.

Deflation: A Rare But Troublesome Economic Condition

This is a simplistic illustration of the concept of inflation, the rate at which prices rise over time. Beyond wages, everyday examples of inflation abound, from grocery and gas prices to the cost of your Netflix subscription. We accept the fact that things get more expensive over time.

But that’s not always the case. Although rare, certain economic conditions give rise to negative inflation, popularly known as deflation.

According to data from a May 2020 Bloomberg report, the United States — and perhaps the broader global economy — looked like it could be heading in that direction in the wake of the COVID-19 pandemic. Consumer prices fell 0.8% from March to April 2020, according to the Consumer Price Index (CPI). Producer prices (prices paid to U.S.-based producer businesses) dropped by 1.3%, the steepest decline since 2009.

Those price drops proved to be anomalous. Indeed, as the economy bounced back from the initial shock of the pandemic and the stay-at-home orders it necessitated, prices rose at the fastest rate in years — prompting worries of a post-COVID inflation spike.

Nevertheless, those scary early-pandemic months underscored something economists have known for a very long time: that consistent and broad-based falls in the prices of goods and services are generally bad news for the economy.

Why should consumers and businesses care about falling prices or a negative inflation rate? Because lower grocery bills are beside the point when you pay them with temporary unemployment benefits or emergency savings.

Deflation is not a routine feature of the economic cycle, which is marked by alternating periods of expansion and contraction against a backdrop of steadily rising prices. Rather, deflation is a sign that something is seriously out of whack with the economy. And deflation isn’t easy to fix.

Deflation almost always occurs against a backdrop of high unemployment rates, falling business profits, and falling asset prices. It usually exacerbates both conditions, creating a vicious cycle that offsets temporary gains in purchasing power (real value of goods), further damages the economy, and prolongs any recovery.

Most historical examples of deflation preceded or occurred during economic depressions or extended periods of economic malaise, like the “lost decade” that occurred following an economic crash in Japan in the 1990s and early 2000s. During Japan’s lost decade, prices of goods fell consistently and measures of economic activity stagnated.

That’s a stark contrast to disinflation, a similar-sounding but very different condition in which the rate of inflation decreases over time without reaching zero or going negative.

What Are the Causes of Deflation?

Deflation can be caused by a number of factors, all of which stem from a shift in the supply-demand curve. The price levels of all goods and services are heavily affected by a change in supply and demand. If demand drops in relation to supply, aggregate demand declines and prices fall accordingly.

Likewise, a change in the aggregate demand of a national or single-market currency (such as the U.S. dollar or the euro) plays an instrumental role in setting the prices of the country’s goods and services.

Although there are many reasons why deflation may take place, the following causes seem to play the largest roles:

1. Change in Capital Market Structures

When many different companies are selling the same goods or services, they typically lower their prices as a means to compete. Often, the capital structure of the economy changes and companies have easier access to debt and equity markets, which they can use to fund new businesses or improve productivity.

There are multiple reasons why companies might have an easier time raising capital, such as declining interest rates, changing banking policies, or a change in investors’ aversion to risk. However, after they’ve used this new capital to increase productivity, businesses have to reduce their prices to reflect the increased supply of products, which can result in deflation.

2. Increased Productivity

Innovative solutions and new processes help increase efficiency, which ultimately leads to lower prices. Although some innovations only affect the productivity of certain industries, others may have a profound effect on the entire economy.

For example, after the Soviet Union collapsed in 1991, many of the countries that formed as a result struggled to get back on track. In order to make a living, many citizens were willing to work for very low prices, and as U.S. companies outsourced work to these countries, they were able to significantly reduce their operating expenses and bolster productivity.

Inevitably, this increased the supply of goods while decreasing their cost, which led to a period of deflation near the end of the 20th century.

3. Decrease in Currency Supply

Currency supplies generally decrease due to actions taken by central banks, often with the explicit aim of tamping down inflation. For instance, when the Federal Reserve was first created, it considerably contracted the U.S. money supply. Unfortunately, it’s easy for currency supply reductions to spiral out of control. For example, the Fed’s early moves caused severe deflation during the early 1910s.

Likewise, spending on credit is a fact of life in the modern economy. When creditors pull the plug on lending money, consumers and businesses spend less, forcing sellers to lower their prices to regain sales. This is why one of the Federal Reserve’s top priorities today is ensuring the smooth functioning of credit markets.

4. Austerity Measures

Deflation can be the result of decreased governmental, business, or consumer spending, which means government spending cuts can lead to periods of significant deflation. For example, when Spain initiated austerity measures in 2010, preexisting deflation began to spiral out of control in that country.

To date, Spain and other “peripheral” European economies badly affected by the sovereign debt crisis of the early 2010s contend with stagnant prices, high unemployment, and persistently slow economic growth.

5. Deflationary Spiral (Persistent Deflation)

Once deflation rears its ugly head, it can be very difficult to get the economy under control. While the actual mechanics of persistent deflation are complicated, the crux is that true deflation is self-reinforcing.

When consumers and businesses cut spending, business profits decrease, forcing them to reduce wages and cut back on investment. This short-circuits spending in other sectors, as other businesses and wage-earners have less money to spend.

Short of a massive monetary stimulus that can swing the pendulum too far in the other direction and precipitate runaway inflation — which central banks try to avoid at all costs — there’s no easy way out of this cycle.

Effects of Deflation

Deflation is like a terrible storm: The damage is often intense and takes far longer to repair than the storm itself. Sadly, some nations never fully recover from the damage caused by deflation. Hong Kong, for example, has yet to fully recover from the deflationary effects that gripped the Asian economy in 2002.

Deflation may have any of the following impacts on an economy:

1. Reduced Business Revenues

Businesses must significantly reduce the prices of their products in order to stay competitive. As they reduce their prices, their revenues start to drop. Business revenues frequently fall and recover, but deflationary cycles tend to repeat themselves multiple times.

Unfortunately, this means businesses need to increasingly cut their prices as the period of deflation continues. Although these businesses operate with improved production efficiency, their profit margins eventually drop as savings from material costs are offset by reduced revenues.

2. Wage Cutbacks and Layoffs

When revenues start to drop, companies need to find ways to reduce their expenses to meet their bottom line. They can make these cuts by reducing wages and cutting positions. Understandably, this exacerbates the cycle of deflation, as more would-be consumers have less to spend.

3. Changes in Customer Spending

The relationship between deflation and consumer spending is complex and often difficult to predict. When the economy undergoes a period of deflation, customers often take advantage of the substantially lower prices that result.

Initially, consumer spending may increase greatly. However, once businesses start looking for ways to bolster their bottom line, consumers who have lost their jobs or taken pay cuts must start reducing their spending as well. Of course, when they reduce their spending, the cycle of deflation worsens.

4. Reduced Stake in Investments

When the economy goes through a series of deflation, investors tend to view cash reserves as one of their best possible investments. Investors watch their money grow simply by holding onto it.

Additionally, investors’ returns on lower-risk investments often decrease significantly as central banks attempt to fight deflation by reducing interest rates, which in turn reduces the amount of money they have available for spending.

In the meantime, many other investments may yield a negative return or become highly volatile because investors are scared and companies aren’t posting profits. As investors pull out of stocks, the stock market inevitably drops.

5. Reduced Credit

When deflation rears its head, financial lenders quickly start to pull the plugs on many of their lending operations for a variety of reasons. First of all, as assets such as houses decline in value, customers cannot back their debt with the same collateral. In the event a borrower is unable to make their debt obligations, the lenders will be unable to recover their full investment through foreclosures or property seizures.

Also, lenders realize the financial position of borrowers is more likely to change as employers start cutting their workforce. Central banks might try to reduce interest rates to encourage customers to borrow and spend more, but many customers still won’t be eligible for loans.

Historical Examples of Deflation

Although deflation is a rare occurrence in the course of an economy, it is a phenomenon that has occurred a number of times throughout history. These are some of the most noteworthy incidents.

1. Late 19th Century: The Aftermath of the Industrial Revolution

During the late 19th century, manufacturers took advantage of new technology that allowed them to increase their productivity. As a result, the supply of goods in the economy increased substantially, and consequently, the prices of those goods decreased. Although the increase in the level of productivity after the Industrial Revolution was a positive development for the economy, it also led to a period of deflation.

2. Early 20th Century: Depression of 1920-1921

About eight years before the onset of the Great Depression, the U.S. underwent a shorter depression while recovering from the aftermath of World War I and the 1918-19 flu pandemic, which killed millions around the world.

During this time, 1 million members of the armed forces returned to civilian life, and employers hired a number of returning troops at lower wages. The labor market was already very tight before they returned, and due to the expansion in the workforce, unions lost much of their bargaining power and were unable to demand higher wages, which resulted in reduced spending.

3. Early 20th Century: Great Depression

The Great Depression was the most financially trying time in American history. During this dark period, unemployment spiked, the stock market crashed, and consumers lost much of their savings.

Employees in high-production industries such as farming and mining were producing a great amount but not getting paid accordingly. As a result, they had less money to spend and were unable to afford basic commodities, despite how much vendors were forced to reduce prices.

4. Early 21st Century: European Debt Crisis

The sovereign debt crisis in Europe came to a head in 2011 and caused a number of complications for the global economy that reverberate to this day. In response to mounting concerns among bondholders that they would be unable to repay their debts, several European governments implemented austerity measures that reduced GDP considerably, such as cutting government assistance to needy families.

Meanwhile, banks tightened up on lending, reducing the money supply within these countries. Widespread deflation was the predictable result, and while the worst of the crisis has passed, the European economy remains weak.

Policy Tools to Fix Deflation: How the Federal Reserve and Other Central Banks Fight Falling Prices

It’s possible to reduce the impact of deflation. But it requires a disciplined approach because deflation is not something that fixes itself.

Before the Great Depression, the economic consensus held that deflation was a temporary condition that runs its course without government or central bank intervention. However, the experience of the Great Depression, the most severe economic downturn in U.S. history, convinced economists and monetary policy wonks otherwise.

Concluding that something needed to be done was the easy part, however. During the throes of the Great Depression, the government failed in multiple intervention efforts. Scholars disagree over the reasons for these failures, and even the extent to which specific policies can be considered successes or failures, due in part to more modern political differences.

For example, left-of-center economists certainly don’t share the right-leaning Hoover Institution’s position that the Roosevelt administration’s tolerance of widespread labor strikes in the early 1930s set back wage growth for years afterward. But if the Hoover Institution’s supposition is accurate, FDR’s pro-labor policies could well have worsened the deflationary spiral.

Today, central banks are the most important forces in the fight against deflation (and inflation) due to their mandate to control national monetary supplies. For example, during the global financial crisis of the late 2000s and its long aftermath, the Federal Reserve (“the Fed”) engaged in multiple rounds of quantitative easing in an effort to stave off deflation.

While increasing the nation’s monetary supply too much could create excessive inflation, a moderate expansion in the nation’s monetary base is an effective means of fighting deflation, at least in theory.

Central banks’ efforts to fight deflation are not always effective. Their biggest handicap is that they can only decrease interest rates until they’re near 0%. Technically, central banks can set rates below 0%, but the Federal Reserve has shown extreme reluctance to set that precedent.

Other central bank tools, such as buying individual corporate bonds, might please the equities markets, but their impact on deflation is less clear. Despite years of study, there still exists no clear-cut, foolproof way to address deflation.

Final Word

Deflation is not only a theoretical concern. As we’ve seen, it has tangible and often devastating consequences for the economy.

In fact, former Federal Reserve chairman Ben Bernanke made fighting deflation one of the signature priorities of his tenure, which coincided with the nadir of the late-2000s global financial crisis and the prolonged period of economic stagnation that followed.

Bernanke and the Fed were largely successful in their efforts, although inflation remained low by historical standards through much of the 2010s and has cratered again amid the unprecedented economic shock of the COVID-19 pandemic.

Of course, any celebration of the Fed’s Bernanke-era achievement now seems premature in the face of the coronavirus pandemic and its economic aftereffects.

It’s too early to say with certainty what will come of the extraordinary moment we find ourselves in today. Trillions in economic stimulus could well spark a period of high inflation and give rise to a whole new set of fiscal problems.

Or the deflationary dog that failed to bark after the global financial crisis could finally awaken in the 2020s and establish a monetary regime unlike anything Americans have experienced in living memory.

Source: moneycrashers.com

Tablo Dual HDMI OTA DVR: Watch And Record Live TV

Several years ago my family was looking to cut the cord on cable TV to save some money.

At the time we were looking at a variety of over-the-air DVRs that we could buy that would allow us to record all of our favorite broadcast television programming.

A commenter on this site recommended that we check out the Tablo TV over-the-air DVR from Nuvvyo.  We reached out to Nuvvyo, and they were kind enough to send out their original 2 tuner network DVR. 

We did a full review of that device, and in the end we were so impressed with it that we kept it as our main over-the-air DVR and live TV streaming device.  We’ve had it now for almost 7 years, and it’s still going strong. In short, we love it!

This month I heard from the folks over at Nuvvyo wondering if I’d like to do a review of one of their newer HDMI DVRs, and I jumped at the chance.  

So today, we’ll be looking at a full unboxing of the new Tablo Dual HDMI OTA DVR.


Quick Summary

  • OTA DVR with direct HDMI connection.
  • 2 tuner DVR with live TV grid guide.
  • Stream live TV to secondary TV.
  • Expandable storage up to 8TB.
  • Automatic Commercial Skip option.

Unboxing The Tablo Dual HDMI Over-The-Air DVR

So what does the Tablo Dual HDMI OTA DVR come with in the box?  Here’s a complete list: 

  • Tablo Remote
  • AAA Batteries (x2)
  • Power Supply
  • 5′ Ethernet Cable
  • 5′ HDMI Cable
  • Quick Start Guide

The only things that are not included with the device, that you will need to buy separately, include:

  • A 1TB to 8TB USB hard drive (for recording shows or pausing live TV).
  • An ATSC HDTV antenna, for bringing in the broadcast signal in your area. 

Here’s a quick unboxing of the Tablo Dual HDMI DVR.

Tablo Dual HDMI OTA DVR Box

The Tablo Dual HDMI comes in a nicely designed box that lists all of the device’s features and benefits.  It is HDMI connected and also includes a remote, unlike previous Tablo devices. It also includes an HDMI cable, and a network cable to hook it up to the internet for downloading TV guide data, firmware updates, cover art, etc.

Tablo Dual HDMI OTA DVR Back Of Box

The back of the box shows what you’ll need to get started, and how the device is setup once you unbox it. 

Here’s a first look at everything included in the box.

Tablo Dual HDMI DVR box contents

The Tablo box includes the Dual HDMI DVR device, a remote control, power cord, batteries for the remote, HDMI cable and a network cable.

The device itself is pretty small. It has vented air holes on the top, a small blue LED light, and a small IR port on the front.

Tablo Dual HDMI DVR

The back of the device has a power port, networking port, HDMI port, USB port for the hard drive and an antenna connection.

Tablo Dual HDMI DVR back of device

The device itself is pretty small, coming in at just under 1.5 inches in height, and just over 5 inches in length and width.

Tablo Dual HDMI DVR top of device

This is one of the first Tablo devices to include a remote control. All of the other DVRs Nuvvyo make are network devices that are controlled either by the app on the mobile device, or by that particular device’s remote (like Fire TV or Roku).  In this case this device is meant to be hooked up directly to a TV, and as such it includes a remote for Navigating the Tablo DVR interface.

Tablo Dual HDMI DVR remote control

Below are the cables included in the box. You’ll need them when setting up your device. You’ll plug it directly into your TV’s HDMI port, and to the ethernet port if you have one available.

Tablo Dual HDMI DVR cables

Tablo Dual HDMI Device Specs & Features

So just how big is the Tablo Dual HDMI DVR device?

  • Size: Dual & Quad HDMI DVR: Height: 1.45″, Width: 5.31″, Depth: 5.15″.
  • Weight: Dual Tuner: 228 g or 8 oz. Quad Tuner: 230 g or 8 oz. 

When compared with the existing original Tablo device we already have, it’s about 1.5″ inches smaller in width.

The specs have also gotten better with more memory and a better processor. Here are a few of the specs for the new Dual HDMI device.

  • 2 ATSC digital tuners. (4 tuners in the Quad device)
  • 1 HDMI 2.1 port to connect to your TV.
  • 10/100/1000 Gigabit ethernet port.
  • 1 USB 3.0 port supporting up to 8TB in storage.
  • 1 Coax antenna port.
  • WiFi included: 802.11ac dual band WiFi with MIMO.
  • Upgradeable firmware.
  • Quad Core processor.
  • 2GB RAM.
  • 16 GB Flash.
  • Audio Format: Stereo (PCM) audio or AC3 Passthrough (5.1).
  • Video Format: MPEG2.

Tablo Dual HDMI DVR Features & Functionality

So what are some things that the Tablo Dual HDMI can do? 

  • Watch, pause and record live over-the-air TV.
  • Record up to 2 shows at the same time.
  • Schedule recordings (either manually or by using their premium guide service).
  • View and manage existing recordings, by show or movie title. 
  • Skip commercials, either manually, or with their premium add-on “Automatic Commercial Skip” feature.
  • Limited whole home streaming to secondary TVs using apps on compatible Smart TVs,  Roku, Amazon Fire TV, & Android TV.
  • View and record series of TV shows, movies, sporting events.
  • View 14 days of rolling Live TV guide and show information (with add-on TV Guide data service) or 24 hours worth without premium subscription.
  • Watch TV in the native MPEG2 – 1080i HD broadcast video quality.

Setting Up Your Tablo Dual HDMI Device

Setting up the Tablo Dual HDMI device is relatively simple.  Here’s a quick video from the folks at Tablo, describing the process from start to finish.

Connecting The Tablo Dual HDMI To Your TV

To get started you’ll just put the batteries in the remote, and set the Tablo device near your TV so that it can be plugged in via HDMI.

Next, place your antenna in an optimal location and plug your antenna’s coax cable into the coax port on the back of your Tablo.

Your USB hard drive should be connected next. Make sure to place it next to your Tablo, and not on top. If placed on top it may restrict airflow which can cause it to overheat.

Tablo Dual HDMI connections

Next, plug one end of the HDMI cable into your TV’s open HDMI port, and the other end into the Tablo.

The ethernet cable can be plugged in next, if a hardwired connection is available. If not, then you’ll need to set up a WiFi connection during the setup process.

Lastly, you’ll plug in the power adapter. Once plugged in the Tablo Dual HDMI will turn on and the blue LED on top will light up.

Setting Up The Device

Once the device is connected and the TV is turned on the Tablo will begin the setup process.

First it will ask you to connect the device to the Internet. If you want to connect it via WiFi, it will ask you to select the correct network and enter your password.  

Once your device is online it will check for firmware updates and ask if you’d like to install them. In my case it did find an update, which I agreed to install. 

Once any firmware updates are installed it will take you through the process of connecting your TV antenna, and entering your zip code where the device will be used.

Tablo Dual HDMI DVR setup process

Once the device has scanned for and found all of the channels in your location you can choose which ones you want to appear in your TV grid guide. I typically leave the ones with a bad signal off of my channel list.

Once the channels are added it will walk you through formatting the hard drive to get it ready for use with the Tablo.

Tablo Dual HDMI DVR setup process part 2

Once the hard drive is formatted the device is ready to go.  

Every new device comes with a 30-day trial of the TV Guide Data Service, as well as the premium Automatic Commercial Skip subscription.

Things You Will Need To Use Tablo DVR

As you’ve probably already gathered from the above setup of the device, everything you need to get started is not included in the box. There are a couple of things you’ll need to purchase or have already to complete the package.

  • Digital ATSC antenna and coax cable.
  • USB-connected portable hard drive (USB 2.0 or 3.0, 1 TB to 8 TB in size). See their recommended drives post.

If you don’t already have an antenna or USB hard drive you will have to purchase those separately.  

When I was setting up this device I already had an antenna that we have been happy with, the Mohu Curve (Now called Mohu Arc). We tend to recommend the antennas from Mohu as they’re American made and they have always worked well for us.

We also purchased a 2TB Seagate portable hard drive on Prime Day for about $30 or so. 

So all in, you could expect to spend anywhere from $50-100 for a good antenna and a decent sized hard drive if you don’t already have spares laying around.

Using The DVR

Using the Tablo Dual HDMI device is simple. Just fire up your TV, and turn it to the correct input. You’ll see the main screen for the device where you can watch Live TV, view recordings, search for shows, or change device settings.

Tablo Dual HDMI app screen

Typically when you turn the device on it will go directly to the “Prime Time” shows tab, but in the settings you can tell it which tab it should default to on startup.  We set ours to go directly to the “Recordings” tab. 

The different sections in the app will allow you to search for shows, watch live TV or manage your scheduled recordings or already recorded shows. Here are the different sections, and what you can expect to find in each.

Tablo Dual HDMI DVR Live TV grid guide
  • Live TV: This tab shows you a Live TV grid guide that lists currently live and upcoming TV shows. By clicking on a particular TV show or movie you can get a synopsis of the program, record an upcoming show, set a series to record, and more.
  • Recordings: This tab will show you a listing of your already recorded TV shows and movies so you can watch them.
  • Prime Time: This will give a listing of prime time TV shows scheduled for the next 2 weeks in your market.
  • TV Shows:  A listing of all the TV shows in your market for the next 2 weeks. 
  • Movies: A listing of all the Movies in your market for the next 2 weeks. 
  • Sports: A listing of all the sporting events in your market for the next 2 weeks. 
  • Scheduled: This shows you a listing of shows you have scheduled to record, along with any conflicts that might arise if more than two shows are set to record at the same time.
  • Settings: This is where you can change your device’s settings including device name, network settings, editing channel lineups, screensaver settings, setting up the remote, scheduling settings, and updating guide data if you think it needs a refresh.

Watching live TV on the Tablo Dual HDMI is pretty simple. Just turn on the TV and device, go to the “Live TV” tab, and click on the channel you want to watch.  

If you want to know more about a live or upcoming show, or schedule a recording, just click on the show itself in the grid, and then click on “Info”.  A window will pop open with full details about each episode, as well as allowing you to schedule a recording for all episodes of the show, or only new episodes. If you pay for the premium TV Guide Data, you can also set recordings to start early or end late (for sports for example), or set it to keep only a certain number of the most recent episodes.  We use that feature to record one news station’s 3 most recent local newscasts.

Tablo Dual HDMI DVR set a recording

Once you have recorded a show it shows up in the “Recordings” tab, listed in alphabetical order. You can sort your recorded shows by most recent recordings, sports, TV shows or movies. 

Once you click into a show it will have a listing of all the recorded episodes by season and episode number, along with a description of the show generally, and each episode individually.  

For example, I enjoy watching the old Lawyer crime drama Perry Mason. I got hooked on it while watching it with my mother as a child. We have 277 episodes taped over 9 seasons of the show, all listed nicely by episode number within the interface. Just select the play button on the episode you want to watch, and you’re set to go.

Tablo Dual HDMI Series Data And Recording

Tablo Dual HDMI Cost

There are a couple of things to take into account when it comes to the cost of the Tablo DVR. First, there is the cost of the device itself, and then there is the cost of the premium subscriptions for TV Guide Data Service and Premium Service (Automatic Commercial Skip). Personally I think the TV Guide Data Service subscription, which gives you 2 weeks of live TV data and other advanced DVR features is crucial. I wouldn’t love Tablo as much as I do without it.  

The Automatic Commercial Skip we do without because it’s almost as easy just to fast forward through commercials viewing the video thumbnails.

Here is the pricing for the Tablo devices, and for the premium subscriptions.

Tablo Device Cost

There are currently 6 Tablo devices that you can purchase with varying features, onboard storage, connectivity and number of tuners.  They include the 2 HDMI connected devices:

  • Tablo Dual HDMI OTA DVR: $149.99
  • Tablo Quad HDMI OTA DVR: $199.99

There are 4 network-connected Tablo devices, all with either 2 or 4 tuners.  Two of them also have some limited onboard storage.

  • Tablo Dual Lite OTA DVR: $149.99
  • Tablo Dual 128GB OTA DVR: $169.99
  • Tablo Quad OTA DVR: $199.99
  • Tablo Quad 1TB OTA DVR: $239.99

The device we received and are reviewing cost $149.99. 

NOTE: The Tablo online shop often sells refurbished Tablo units for a big discount. Our original networked Tablo was a refurbished unit when we received it. It’s going on 7 years strong now. Recommend checking it out if you’re looking for a cost savings.

Tablo Subscription Costs

There are two service subscriptions available for all devices, TV Guide Data Service and Premium Service (Automatic Commercial Skip). Both services have monthly or annual billing plans.  

So what do you get with the TV Guide Data Service? 

  • 14 days of guide data
  • Rich cover art
  • Series and episode synopses
  • Schedule recordings by time, episode or series
  • Schedule full series recordings
  • Advanced recording settings
  • Filters to view content by type, genre, etc.

In my mind the full featured guide is well worth the cost, and I sprang for the lifetime subscription years ago (although it was a bit cheaper then). Unfortunately the HDMI devices don’t have the option of a lifetime subscription currently.

TV Guide Data Cost

So what is the cost?

  • Monthly: $4.99
  • Annual: $49.99
  • Lifetime: $179.99 for network connected devices only.

If you choose to forgo the guide data subscription, you’ll only get 24 hours of a basic live TV grid guide, and scheduling programs will be a manual process similar to an old fashioned VCR, setting it to record at a certain time and day.

Premium Service (Automatic Commercial Skip) Cost

There is a “Premium Service” add-on that gives you Automatic Commercial Skip functionality. It also has monthly or annual payment plans.

  • Monthly: $2.00 
  • Annual: $20.00

There is no lifetime plan for commercial skip. 

Tablo Dual HDMI Pros And Cons

So what are the pros and cons of this particular Tablo device?


There is a lot to like about the Tablo devices, and in particular about the Dual HDMI device.

  • Direct HDMI connection to your TV, which is great if you mainly watch on 1 TV.  
  • Watch TV in the high-quality native MPEG2 – 1080i HD, not a compressed stream.
  • Ability to expand storage up to 8TB.
  • Watch, pause or record live TV.
  • Stream to other compatible TVs in the home.
  • Live TV grid guide that gives rich information about every TV show, movie or sporting event, including cover art.
  • Ability to record entire series of shows, only new airings, or record all of a certain show.
  • The HDMI versions of Tablo DVR comes with a remote.
  • 5.1 Surround Sound support.
  • Ethernet or WiFi connections available.


There are a couple of things with the HDMI connected Tablo devices that are less than ideal.

  • No out-of-home streaming to mobile devices, Tablo apps or computers for HDMI Dual or Quad devices. Only network connected Tablo devices have this functionality.
  • In-home streaming only via Fire TV, Roku or Android TV devices. No PC, Mac or mobile device streaming.
  • No option for lifetime TV guide subscription. You can only get that with the network connected devices.
  • No on-board storage, needs an external hard drive. 

The cons of the HDMI devices are easily overcome by just buying one of the network connected devices as they don’t have the same limitations.  If you’re going to be watching on more than 1-2 TVs, I’d recommend doing that.

Tablo Dual HDMI – A Capable DVR For Cord Cutters

As a long time owner of the network connected Tablo over-the-air DVR, I’m a big fan of their products.

The Dual HDMI DVR that we received to review has a lot to like about it. It has a lot of the same great over-the-air DVR functionality as the originals, but it also comes with the ability to connect the device directly to your TV via HDMI, as well as giving you a remote to control the device. It also allows you to watch the TV broadcast in the native MPEG2 broadcast signal, ensuring the highest quality video stream.

The only downside for some is that the Dual HDMI device doesn’t offer out-of-home streaming, and only offers limited at-home network streaming. If you have a lot of TVs and devices to stream to at your house and on-the-go, it may make this device a non-starter. You may want to look at one of Nuvvyo’s network connected devices.

On the other hand if you’re using this device only on 1 or 2 TVs, or as a secondary device at a cabin or lake home, it might be just what you’re looking for. 

Check out Nuvvyo’s full line of over-the-air Tablo DVRs at their site. We highly recommend their products, and will continue using them as our main over-the-air DVRs.

Tablo Dual HDMI DVR

Source: biblemoneymatters.com

9 Best Biotech ETFs to Play High-Octane Trends

Biotechnology might not be at the top of every investor’s mind, but biotech exchange-traded funds (ETFs) should always at least be on your radar.

Healthcare is one of the market’s most dynamic and resilient sectors. After all, one of the surest things in life is getting sick and needing care as we age – and that means guaranteed “customers” in any environment.

The opportunities are particularly large for biotechnology stocks addressing big medical challenges such as cancer or Alzheimer’s or rare conditions without any existing treatments available. But some investors might be better off interacting with the industry through biotech ETFs instead.

That’s because individual biotech stocks can be incredibly volatile. Small, trial-stage firms sometimes burn cash for years on the hopes of their research paying off. When it does, these biotechnology start-ups soar – but when it doesn’t, they tend to drop like rocks.

Biotech ETFs provide a lower-risk way to play this broader trend. Interested investors don’t have to personally research how individual stocks are performing or look up rather arcane studies on unpronounceable diseases. That’s because these diverse funds hold dozens or hundreds of stocks, preventing any one company from having an disastrously outsized impact on your portfolio.

Here are nine of the best biotech ETFs to play this high-octane healthcare trend. Each provides a unique way to approach this corner of the market.

Data is as of July 7. Dividend yields are calculated by annualizing the most recent payout and dividing by the share price.

1 of 9

iShares Biotechnology ETF

scientist holding test tube vialsscientist holding test tube vials
  • Assets under management: $10.6 billion
  • Dividend yield: 0.17%
  • Expenses: 0.46%, or $46 annually for every $10,000 invested

The iShares Biotechnology ETF (IBB, $161.43) is the leader among biotech ETFs, with about $10 billion in assets under management. That makes it a very popular and liquid way to trade biotech stocks in an exchange-traded fund. Top holdings among its 270-some positions at present include Amgen (AMGN), Gilead Sciences (GILD) and Moderna (MRNA).

But it’s worth noting that these are hardly start-ups anymore, with the “smallest” of the three (Gilead) boasting a market capitalization of $85 billion – larger than companies like General Motors (GM) or Ford (F). Furthermore, these mature companies represent the lion’s share of the fund with that aforementioned trio worth about 20% of the total assets alone.

That may not be a drawback if you want to generally play the next generation of drugmakers, but also want to make sure you’re not throwing money behind unproven start-ups that may not have much revenue or consistent profitability to speak of. 

But it’s worth noting nevertheless that many of the top holdings have already seen considerable growth. In other words, they may not provide the “hockey stick” in their charts that some investors associate with breakout biotech investing.

To learn more about IBB, visit the iShares provider site.

2 of 9

ARK Genomic Revolution ETF

binary genome conceptbinary genome concept
  • Assets under management: $9.4 billion
  • Dividend yield: 0.00%
  • Expenses: 0.75%

Close behind IBB in terms of largest biotech ETFs is the ARK Genomic Revolution ETF (ARKG, $88.70). This is a more focused offering in some ways because it has only about 60 stocks, but it’s a more disparate fund in other ways as it includes some outliers you may not immediately think of as biotech stocks.

For instance, the top position at present is Teladoc Health (TDOC), a $24 billion healthcare services stock that specializes in remote doctor visits and “virtual care.” Another top holding is Exact Sciences (EXAS), a $20 billion diagnostics and testing company.

While other more traditional biotechs like Regeneron Pharmaceuticals (REGN) are also high up on the list, admittedly a handful of components may make some biotech investors scratch their heads a bit if they expect to see only drugmakers here. 

Some investors may appreciate this extra layer of diversification, but as with other funds on this list, it is important to clearly understand the way this biotech fund is structured before you invest your hard-earned cash.

To learn more about ARKG, visit the ARK Invest provider site.

3 of 9

SPDR S&P Biotech ETF

DNA strandDNA strand
  • Assets under management: $7.4 billion
  • Dividend yield: 0.23%
  • Expenses: 0.35%

The third major biotech ETF that’s out there is the SPDR S&P Biotech ETF (XBI, $131.35) – an “equal weight” offering from SPDR with more than $7 billion in assets at present. 

It’s more diversified than some of the other picks on this list of biotech funds in that it has about 200 total holdings, but regularly rebalances to try and spread the cash equally around each position.

That means while you do have a smattering of mature biotechs, you also get plenty of exposure to lesser-known picks with high potential – like Intellia Therapeutics (NTLA), which has surged more than 266% year-to-date.

That massive run has naturally caused the value of NTLA stock to represent a larger share of the portfolio than other stocks that haven’t fared as well. But even so, Intellia accounts for just over 1% of the total assets at present – proving that XBI is serious about diversification.

To learn more about XBI, visit the SPDR provider site.

4 of 9

VanEck Vectors Biotech ETF

testing in labtesting in lab
  • Assets under management: $563.9 million
  • Dividend yield: 0.3%
  • Expenses: 0.35%

VanEck Vectors Biotech ETF (BBH, $198.05) is slightly smaller than the biotech ETFs we’ve seen so far, but still quite established with more than $560 million in customer funds.

However, when it comes to the makeup of the portfolio itself, BBH is significantly smaller with just 25 total stocks right now – and about 20% in the top three positions, which, similar to IBB, are AMGN, GILD and MRNA.

This “all your eggs in one basket” approach is certainly higher risk, but it has also resulted in significantly higher rewards this year. Consider that the prior XBI fund is actually down slightly on the year, while BBH is up an impressive 16.7%.

As with so many other investments, it’s worth remembering that past performance in this biotech ETF is not a guarantee of future returns. With a short list of stocks, there is more risk for things to go south if just one or two components roll over. But, as you can see from recent gains, when things go well, the investors in BBH can really cash in.

To learn more about BBH, visit the VanEck provider site. 

5 of 9

iShares Genomics Immunology and Healthcare ETF

viral infection conceptviral infection concept
  • Assets under management: $322.6 million
  • Dividend yield: 0.2%
  • Expenses: 0.47%

The iShares Genomics Immunology and Healthcare ETF (IDNA, $49.66) follows a similar approach to BBH insofar as it’s not as interested in casting a wide net on a few hundred biotech stocks. The list right now is about 50 total components in this roughly $320 million biotech fund.

However, BBH is largely focused on mature biotech companies that offer up many different types of treatments. What this iShares fund offers is right in the name – a more direct play on the unique category of drugs and technologies that serve genomics and immunotherapy applications.

Specifically, the fund’s top holdings right now include gene therapy company CRISPR Therapeutics (CRSP) and testing company Invitae (NVTA) that offers screening for cancer, heart disease and other conditions based on your personal heredity. 

If you are interested in this specific corner of biotech, IDNA offers a way to do so without picking individual stocks.

To learn more about IDNA, visit the iShares provider site.

6 of 9

Invesco Dynamic Biotechnology & Genome ETF

test tubestest tubes
  • Assets under management: $293.1 million
  • Dividend yield: 0.00%
  • Expenses: 0.58%

Taking a different approach, the Invesco Dynamic Biotechnology & Genome ETF (PBE, $76.69) invests in a short list of roughly 30 companies, but picks and chooses biotech stocks based on qualitative criteria. Specifically, documents from Invesco state PBE is built “by thoroughly evaluating companies based on a variety of investment merit criteria, including price momentum, earnings momentum, quality, management action and value.” 

Right now, biotech stocks Biogen (BIIB) and Illumina (ILMN) have the highest weightings based on PBE’s methodology.

Generally speaking, actively managed ETFs like this get a bad rap. Countless articles have been written about how low-cost index funds regularly outperform managers who claim their costly “special sauce” makes for a better approach to investing. However, PBE has a pretty good track record.

In the last 12 months, for instance, this Invesco fund has surged 28% – much better than two of the biggest biotech ETFs IBB and XBI, both of which are “only” up about 16% in the same period.

To learn more about PBE, visit the Invesco provider site.

7 of 9

ALPS Medical Breakthroughs ETF

molecular structuremolecular structure
  • Assets under management: $232.7 million
  • Dividend yield: 0.00%
  • Expenses: 0.50%

ALPS Medical Breakthroughs ETF (SBIO, $48.17) is a smaller exchange-traded fund when it comes to both the brand name of the asset manager and the total funds under management. But SBIO is actually one of the more interesting options on this list of biotech ETFs because of its wide reach, as well as its focus on lesser-known names in the industry.

Currently, the fund has about 130 total positions, topping many of the other biotech ETFs featured here when it comes to breadth. Furthermore, its top three holdings at the moment – Vir Biotechnology (VIR), Legend Biotech (LEGN) and TG Therapeutics (TGTX) – collectively tally only about $16 billion or so in market value. 

Considering the $50 billion or even $100 billion healthcare giants that populate many of the other biotech funds on this list, SBIO’s focus on small companies – even while holding a deep bench of prospects – could appeal to investors looking at truly dynamic biotech companies.

To learn more about SBIO, visit the ALPS Advisors provider site.

8 of 9

Principal Healthcare Innovators Index ETF

scientists working in labscientists working in lab
  • Assets under management: $170.3 million
  • Dividend yield: 0.00%
  • Expenses: 0.42%

With just under $200 million in assets, the Principal Healthcare Innovators Index ETF (BTEC, $58.67) is significantly smaller than other biotech ETFs on this list. However, it is the leader in total holdings with more than 300 total positions at present and thus could be worth a look because of this.

Keep in mind, however, that BTEC’s broad approach means that it is actually slightly more inclusive than simply investing in the biotech sector. So you get top holdings like Seagen (SGEN), a smaller biotech focused on cancer cures, along with companies like Insulet (PODD), which makes wearable and implantable medical devices for diabetics to help manage their insulin.

Of course, if the reason you find biotechnology so appealing as an investment area is because you are fundamentally interested in next-gen medical companies, then it might not matter too much whether you’re chasing just biotech drugmakers or also including medical device and technology services companies. 

Still, that slightly more inclusive approach is worth understanding before you decide where to put your cash.

To learn more about BTEC, visit the Principal provider site.

9 of 9

Loncar Cancer Immunotherapy ETF

DNA and cancer strand conceptDNA and cancer strand concept
  • Assets under management: $46.5 million
  • Dividend yield: 0.90%
  • Expenses: 0.79%

Disclaimers up front: Loncar Cancer Immunotherapy ETF (CNCR, $30.97) is the smallest fund on the list with only about $50 million in total assets under management. It is also the most expensive as measured by annual fees. 

However, it is undeniably appealing to investors who are interested in biotech stocks for one simple reason – the potential for blockbuster cancer drugs to power their portfolio.If you happen to fall into this very specific category of traders then CNCR could be worth a look. 

Though only comprised of about 30 stocks, which range from Big Pharma giants like AstraZeneca (AZN) to mature biotechs like Regeneron Pharmaceuticals. Also included in CNCR’s holdings are small, unprofitable start-ups like Atara Biotherapeutics (ATRA) that are still wholly concerned with researching potential cures without an established product pipeline yet.

There’s clearly a lot of risk in this biotech ETF because of the structural components behind its makeup, as well as its unique and focused strategy just on cancer-related therapies. But if you think this is the area where there’s the most potential, CNCR could be worth a look.

To learn more about CNCR, visit the Loncar provider site.

Source: kiplinger.com

How to Change Careers

You’re ready for a BIG career change. But you’re overwhelmed and not sure where to start. Modern Mentor shares her own career pivot story, and a 5-step plan for turning your hopes into action.


Rachel Cooke
July 6, 2021

Lead Above Noise, she has been named a top 100 Leadership Speaker by Inc. Magazine and has been featured in Fast Company, The Huffington Post, and many more.