Podcasts about DB

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance - from gifting money to children using the 'normal expenditure out of income' rules to whether ISA withdrawals can support one-off big spends. They also cover pension consolidation and FSCS protection, investing while living abroad, how DB pension accrual affects SIPP annual allowance, and how to bridge the gap to State Pension without over-relying on AVCs. Finally, they tackle the practical steps to opening a Stocks and Shares ISA - and how to get started with confidence. Practical, jargon-free guidance for UK savers and investors navigating pensions, ISAs, tax and retirement planning. Shownotes: https://meaningfulmoney.tv/QA53  02:35  Question 1 Hi Pete and Roger, I have followed meaningful money for around 6 years now and it has been an invaluable source of sensible advice which I have followed. This has left my wife and I in a very good situation for retirement as you will see below. You deserve an MBE at least!. Love the double act with Roger as well. I am 62 and my wife is 60 years young. Our total pensions will be around 35K a year which is all we need for our basic living cost and general going out etc. We have a house worth £750K with no mortgage and no debts. I have a DC pension around £920K and my wife around £650K and our two boys have just moved out of our house and so we are now retiring and relearning life B.C. (Before Children). I have begun looking into gifting them money out of excess income. I like the idea of giving with warm hands - and strangely so do my boys! Putting our scenario into google gemini, using UFPLS with regular drawdowns and keeping within the current 20% tax band we could each have around 50K income after tax over the next 30 years. Really cannot see us spending more than 40K/year travelling and this will certainly reduce in time as we get older and so will give the increasing excess to our kids. To keep HMRC documentation simple (hmm) we plan to use our joint account to give gifts to the boys but I am guessing that we will need to prove to HMRC that we have equal income to do this? So my wife will take 8.5K less from her DC pension than I from mine. I hope this all makes sense. I presume if our incomes were not balanced we would have to pay out from our individual accounts and document both for HMRC purposes? In addition I have 200K and my wife around £150K in ISAs and savings . I know we can each gift 3000/year from the ISA as well as using excess income from our pension. Again, I asked google gemini about this and apparently I can use the ISA for certain capital payments. Eg a) to buy a new car b) redo bathroom/bedroom c) a large holiday  Not sure what would be the position if we said our largest holiday each year is paid from an ISA and any other holidays are from our pension income and we still gift excess to the kids? - seems a very grey area. I am sure in time HMRC will look closer into this area. So I think it will be sensible to still use the ISA in the next few years and not take everything from the pension and possibly change to funds from accumulation to income as well? One last thought as all this is based on the current tax rates. The IHT rate NRB has not changed since 2009 and would be worth around £530K today and I am presuming there will be increasing pressure to raise this given house price growth and especially after 2027 when pensions are included in the estate for IHT? Best Regards, Bill   09:37  Question 2 Dear Pete and Roger, I can't thank you enough for the excellent free content you put out into the world. I recently got diagnosed with a degenerative condition which will affect me and my family down the line. Your podcast has inspired me to take control of my finances including putting the right protections (insurances) in place and using investing to help navigate a more uncertain future - THANK YOU! The information is accessible and you guys make me chuckle as I go about my day! My question... I am keen to make my life easy when it comes to managing my finances but I have hit a wrinkle in my plan. My preference would be to consolidate my pension into as few pension accounts and underlying funds as possible.  To me the levels of protection available through the FSCS seem too low to be compatible with keeping a pension all with one provider. Am I missing something? How do you think about balancing this risk, without ending up with lots of pension accounts with different providers? Additionally, I have been selecting the same low cost All-World tracker ETF across my family's ISAs and SIPPs, is this inherently risky too and should I aim to use different fund providers (perhaps that aim to achieve the same investment objective). Anyway, I may be being overcautious here or be misunderstanding the level risk but any reassurance would be greatly appreciated. Thank you again Andy   18:24  Question 3 Hi Roger and Pete, I'm 32 and I've been listening the podcast for a few years and the advice (particularly about investing) has helped me immensely. I have a question about investment portfolios when moving abroad. I moved away from the UK 2.5 years ago, at which point I stopped investing into Vanguard and moved to Interactive Brokers. I still have a decent amount invested in Vanguard, but I'm not sure whether it makes sense to consolidate everything into one platform or keep it split over two. I don't have any immediate plans to return to the UK, although I imagine I will eventually. Do you think it makes any difference in how the investments are split, or am I worrying about nothing? Thanks for sharing any of your *thoughts* and perhaps clearing this up for me. Keep up the amazing podcast, Michael (originally from Cornwall!)   21:23 Question 4 Hi Pete and Roger I recently discovered your podcast and am working my way though the back catalogue! I am finding it extremely informative and it is helping me demystify a subject I have found confusing for a long time, so thank you. My question is how do I calculate the amount I can contribute annually to my SIPP whilst also contributing to a DB pension and AVCs (£200/month)? My annual gross salary is £25744. I opened the SIPP to give me flexibility to retire earlier than 67 when I intend to access my DB pensions (as well as my current local government DB pension I have a deferred University DB pension from previous employment), ideally between 60-62, and access the SIPP along with my S&S ISA to bridge the gap. Thanks, Melanie   27:28 Question 5 Hello Pete & Roger, I'm a long time listener and as a result in far better financial shape than I was for many years, thank you. In work I am often akin to the Shawshank Redemption character Andy Dufresne as I find myself offering financial or pension scheme advice to colleagues. This advice ends with recommending your good selves and the knowledge repository that is the Meaningful Money archive and books! I am 56 and just over 4 years from my planned early retirement at 61,  when I will have 36 years contributing into a company DB pension. I plan on taking this in a stepped format (with PCLS) to offer a higher initial payment until my state pension starts 6 years later at 67. To maintain basic rate income tax, I am paying my maximum matched pension contributions plus AVC's through salary sacrifice (until 2029) to keep just under the 40% tax limits. My wife will be solely reliant on her (full) State Pension having not contributed to a personal pension, she will receive this when I am 64, meaning our combined funding danger zone will be around 3 years during which we may need funds to top up our income either from the PCLS pot or ISA savings to this final combined total, "our figure". So my question: You repeatedly talk about retiring with options such as having pensions, ISA's and savings etc. but I am concerned my pension and AVC fund will be totally concentrated with little else. After maximising the pension and AVC contributions it looks likely I will not contribute enough to fund a savings pot that could comfortably cover the 3 year danger zone. Will this pension / AVC concentration matter? Should I continue paying the AVC's to avoid higher rate tax on my income and recovering tax rebate into the AVC pot? To me this makes sense, but would funding a savings pot give us flexibility to fund our pension gap somehow that I am missing, and do I need to target an ISA or other savings pot in my remaining working years. This prospect would feel like not living for today, but retirement is in touching distance so might it be worthwhile? Many thanks & best regards, Tim   34:52  Question 6 To the Bruce Springsteen and Little Steven of the financial world! Hi guys my name is Cam, I'd just like to say you guys are absolutely fantastic at what you do, the knowledge you provide is genuinely incredible and immensely helpful. I think I speak for all your listeners when I say without your podcast there would be a lot of people struggling with personal finance! Keep up the good work Pete and Rog! I am 27 years old, 17 months ago I quit my 9-5 and started my own dog walking business, I have since trained to become a dog trainer too. My business has gone from strength to strength and I'm very proud. However the change from going from a wage structure to a varied income per month has been a tough adjustment especially when saving and wanting to invest and so on. I contribute to my pension each month, I pay into a LISA each month (for a first time home) the only thing I don't do is pay into a stocks and shares ISA. Firstly how do I open one? I have listened to your podcast for well over 2 years now and have listened to the majority of the back catalogue, I feel like I know what to do but it's a genuine fear that's stopping me from opening one. I don't know how to explain it - it's almost like my head is telling me 'don't open one you'll mess it up.' Is it literally as simple as sign up to a provider, open an account, add money in each month? I feel stupid saying I'm fearful of opening one but I genuinely am! The last part of my question is simply is there anything else I should be doing that I'm currently not?  Insurance wise I have income protection and the necessary insurances for my business. Thanks once again you absolute legends! Cam Boring Money ISA Comparison: https://www.boringmoney.co.uk/compare/stocks-and-shares-isas/ 

In this episode, DB answers an anonymous listener question about the differences between fantasies and what we want in real life. Remember: fantasies are just that. They don't make you a bad person! Let's dive into our psyches and see what the root of the fantasy might be -- and how those fantasies are trying to give us something we crave. ASK AN ANONYMOUS SEX ED QUESTION: Fill out our anonymous form to ask your sex ed question. ALSO LISTEN TO: "The Pleasure of Subbing with Lina Dune" and "Weird Sex Facts with Rachel Feltman" TAKE OUR SMUT QUIZ: Find your page-turning turn-on with our new SMUT QUIZ! In just 5 questions, you'll get right to the good stuff with curated pages, poems, and audios. No slow burn. No fluff. Just pleasure.; Take the quiz here: https://sexedwithdb.fillout.com/smutquiz  ABOUT SEX ED WITH DB: Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. Season 14 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. GET IN TOUCH: Email: sexedwithdb@gmail.com CONNECT WITH US: Instagram: @sexedwithdbpodcast; TikTok: @sexedwithdb; Threads: @sexedwithdbpodcast; YouTube: Sex Ed with DB; X: @sexedwithdb SEX ED WITH DB SEASON 14 SPONSORS: Uberlube, Magic Wand, Nancy, and Happy V. Get discounts on all of DB's favorite things here! DISCOVER SEX POSITIVE EVENTS IN YOUR CITY: Subscribe to our newsletter for S.E.X I.R.L: your curated monthly list of sex-positive events, spaces, and experiences happening in person across major cities. FOR SEXUAL HEALTH PROFESSIONALS: Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" SEASON 14 TEAM: Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her); Producer and Growth Marketing Manager: Wil Williams (they/them); Social Media & Communications Manager: Iva Markicevic Daley (she/her) MUSIC: Intro theme music: Hook Sounds; Background music: Bright State by Ketsa; Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa.; Thank you Ketsa!  

Historically, chastity was associated with suppressing sexual desire. Today, however, it often means something very different. For many people, it’s a way of exploring desire, anticipation, control, intimacy, and pleasure. In this episode, we’re diving into the psychology of chastity, including why people are drawn to it, who’s into it, and what it can teach us about human sexuality more broadly. My guest is Paul Botto, the COO of KINK3D. He's been working in the queer and kink community in San Francisco for the past 10 years, joining KINK3D in 2021 as the company's first hire. Some of the specific topics we explore in this episode include: What does chastity mean in modern sexual culture? How has the meaning of chastity changed over time? What do people find psychologically appealing about chastity? Why can limiting pleasure intensify desire? Why are some people drawn to chastity outside of kink? You can check out the KINK3D blog here, as well as find them on Instagram, Twitter, Bluesky, and Reddit. Got a sex question? Send me a podcast voicemail to have it answered on a future episode at speakpipe.com/sexandpsychology. *** Thank you to our sponsors!  Check out Sex Ed with DB here to listen to an episode we love on your favorite podcast platform!  Passionate about building a career in sexuality? Check out the Sexual Health Alliance. With SHA, you’ll connect with world-class experts and join an engaged community of sexuality professionals from around the world. Visit SexualHealthAlliance.com and start building the sexuality career of your dreams today. *** Want to learn more about Sex and Psychology? Click here for previous articles or follow the blog on Facebook, Twitter, or Bluesky to receive updates. You can also follow Dr. Lehmiller on YouTube and Instagram. Listen and stream all episodes on Apple, Spotify, or Amazon. Subscribe to automatically receive new episodes and please rate and review the podcast! Credits: Precision Podcasting (Podcast editing) and Shutterstock/Florian (Music). Image created with Canva; photos used with permission of guest.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Seahawks One Series with GREGG BELL (Tacoma News Tribune/933 KJR) Devon Witherspoon is due for a big contract extension, so Gregg gives us the lowdown on that looming deal and expectations for the veteran DB. Why is he more than just interception numbers? What worry or concerns do the Seahawks have about his durability and what are his weaknesses? :30- Yes, the piggyback is still here and there are a lot of people who are still very angry about it, so it's time to implement some new rules for the new piggyback. - Bryce Miller should never be involved again. - How about a 24 or 48-hour window on the rider? - How about we establish a middle ground on communication? - If you're going to piggyback, you can stop over-protecting your bullpen! :45- What a state we are in! Dusty May left Michigan yesterday for the comfort of the NBA… he wasn't the first and he won't be the last person to leave college sports for something more comfortable at the professional level. See omnystudio.com/listener for privacy information.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

In a chamber of the Castle Eschatonica, filled with technology from another world, Veile, Caoimhe, Elena, and Brontë investigate the truth behind their mysterious gems (and the seemingly lost universes they were once connected to). Meanwhile, on the other side of the metaphysical fortress, Uncle Nicky, Jonathan, Antistrophe and their newly acquired Agonies encounter a brusque soldier from a war whose rules they can barely understand. This week on Perpetua: Escape the Rumbling Castle! 03 Perpetua Guide [In Progress v.06] Celestial Echoes [CECH] Imago [CEIM] While I haven't played the Imago games myself, from what I've read, it's a game about the power and cost of the creative spirit. And also demons, maybe? In any case, the way that this Echo shows up in the Castle Eschatonica is the Agonies, a special set of NPCs you can acquire who can grant even non-spell casters the ability to cast a few key spells!  Melo (he/him) Traits: Relaxed, Friendly, Sleepy Status/Element: Slow/Air  Description: A living statue of a little knee high elephant man, smoking a pipe. Ability: Trumpet Toss  - 10 - Self - Instantaneous Melo wakes up and releases blasts of air from his trunk, sending you flying across the battlefield. You may immediately perform a free attack with a melee weapon you have equipped. This attack may target creatures that can only be targeted by ranged attacks. If you used a weapon belonging to the brawling or spear Category for this attack, it deals 5 extra damage. If you hit a flying target with this attack, you may force them to land immediately. Wan (he/him) Traits: Sickly, Curious, Hopeful Status/Element: Weak/Ice Description: A painting of a strange looking child in bed, under a blanket, covered in shadows. Ability: A Chill Air (attack) - 10 x T - Up to Three Targets - Instantaneous Wan coughs, and the temperature in the room drops low. The targets suffer【HR + 15】ice damage. Opportunity: Each target hit by this spell suffers Weak. Hezzi (they/them) Traits: Afraid, Tentative, Big Status/Element: (Shaken/Physical)  Description: A ghostly, one-eyed ogre who quietly plays their piano until someone approaches. Ability: Intimidating Presence (attack) - 5 x T - Up to Three Creatures - Instantaneous Hezzi shows themself in fully material form, strikes an aggressive pose, and roars, giving every target Shaken. Miss Mephitic (she/her)  Traits: Layered, Beautiful, Frightening Status/Element: (Poisoned/Poison) Description: A human-sized music box ballerina, from which vines, petals, and teeth emerge. Ability: Bloody Thorn (attack) - 20 - One Creature - Instantaneous Mephi's vines strike out at a target, doing 【HR + 15】poison damage and giving them the Poisoned status. Connie (she/they) Traits: Excitable, Mercurial, Confused Status/Element (Dazed/Bolt)  Description: A fuzzy television on a wheeled cart which continually changes channels, occasionally landing on young woman with frizzy, dirty blonde hair . Ability: Surprise Shock (attack) - 20 - One creature - Instantaneous Connie slams into your foe and electrifies them. The target suffers【HR + 25】bolt damage. Damage is doubled against a target who is Dazed Ira (he/him) Traits: Irritable, Small, Loyal Status/Element: Enraged / Fire Description: A ceramic pot with a little angry red devil cherub on it—and the impish being itself. Ability: Devil's Breath (attack) - 10 × T - Up to three creatures - Instantaneous Ira unleashes a blast of fiery breath at your foes. Each target hit by this spell suffers【HR + 15】fire damage. Opportunity: Each target hit by this spell suffers enraged. Hosted by Austin Walker (austinwalker.bsky.social) Featuring Ali Acampora (ali-online.bsky.social), Art Martinez-Tebbel (amtebbel.bsky.social), Jack de Quidt (notquitereal.bsky.social),  Janine Hawkins (@bleatingheart), Sylvi Bullet (@sylvibullet), Keith J Carberry (@keithjcarberry) and Andrew Lee Swan (swandre3000.bsky.social) Produced by Ali Acampora Music by Jack de Quidt (available on bandcamp) Cover Art by Ben McEntee (https://linktr.ee/benmce.art) With thanks to Amelia Renee, Arthur B., Aster Maragos, Bill Kaszubski, Cassie Jones, Clark, DB, Daniel Laloggia, Diana Crowley, Edwin Adelsberger, Emrys, Greg Cobb, Ian O'Dea, Ian Urbina, Irina A., Jack Shirai, Jake Strang, Katie Diekhaus, Ken George, Konisforce, Kristina Harris Esq, L Tantivy, Lawson Coleman, Mark Conner, Mike & Ruby, Muna A, Nat Knight, Olive Perry, Quinn Pollock, Robert Lasica, Shawn Drape, Shawn Hall, Summer Rose, TeganEden, Thomas Whitney, Voi, chocoube, deepFlaw, fen, & weakmint This episode was made with support from listeners like you! To support us, you can go to friendsatthetable.cash.

Sports has always told us bigger is better — until guys like this show up and rewrite the rule. Jalen Brunson just led the Knicks to the NBA Finals as one of the smallest players on the floor. Lionel Messi has been doing it his entire career against giants twice his size. Steph Curry changed an entire sport despite being told he was too small to matter. And now Upton Stout is heading into year two with the 49ers looking to prove the same thing on a defense built around speed, instincts, and heart over height. In this stream we're celebrating the little guys making the biggest impacts in sports right now — and why size has never told the whole story.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Every year an undrafted free agent sneaks onto the 49ers roster and earns a real role under Kyle Shanahan — and every year the fanbase wants to know who that guy is before training camp even starts. In this stream we're breaking down this year's undrafted class, identifying the player with the clearest path to a roster spot, and explaining what makes him different from the dozens of UDFAs fighting for a handful of openings. Scheme fit, special teams value, position need — we're covering it all.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Who has the best secondaries in college football, the ones that could change games, the ones who could swing college football playoff races? Would you rather have Ohio State's or Michigan's secondary? Texas Tech showed out last year, can Pollock & Boyd do it again? Does Notre Dame have the best player on the best secondary or can Alabama lay claim to both? Are the transfers ready to step up EVERYWHERE and where do Texas A&M, Oregon, Georgia and LSU land in the rankings? McElroy ranks the Top 10 “no fly zone” DB units in 2026.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

There is no middle ground left for Nick Bosa in 2026. He is either about to remind the entire NFL why the 49ers paid him like the best defender in football, or he's about to become the cautionary tale GMs point to when they talk about the dangers of mega contracts at the defensive line position. It's now or never. In this stream we're breaking down what's gone wrong, what needs to change, and why this season decides which Nick Bosa shows up for the rest of his career in San Francisco.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports #nickbosa Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Who has the best secondaries in college football, the ones that could change games, the ones who could swing college football playoff races? Would you rather have Ohio State's or Michigan's secondary? Texas Tech showed out last year, can Pollock & Boyd do it again? Does Notre Dame have the best player on the best secondary or can Alabama lay claim to both? Are the transfers ready to step up EVERYWHERE and where do Texas A&M, Oregon, Georgia and LSU land in the rankings? McElroy ranks the Top 10 “no fly zone” DB units in 2026.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

TRUE CRIME and Disappearances: The Zodiac, D.B. Cooper, and the Yuba County FiveBecome a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

The reports are in and they're not good for Brandon Aiyuk. The San Francisco 49ers are reportedly preparing to release him once training camp opens, ending one of the more disappointing chapters in recent franchise memory. His trade market cratered, no team was willing to take on the contract, and the front office has apparently decided the smartest move left is simply moving on. In this stream we're breaking down the report, what led to this point, what it means for the cap, and what comes next for both Aiyuk and the 49ers receiver room.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/ For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports #brandonaiyuk Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this UK personal finance Q&A, Pete and Roger tackle six listener questions covering pensions, investing, tax and money mindset. We discuss whether high earners should ever consider opting out of the NHS pension due to annual allowance tax, how to handle family gifts during divorce, and what to do about ERI on accumulating ETFs in a GIA. You'll also hear guidance on rebalancing after strong fund gains, rebuilding finances after an IVA, and investing a £350k inheritance with ISAs, SIPPs and premium bonds. Shownotes: https://meaningfulmoney.tv/QA52    01:34  Question 1 Dear Pete and Roger, Could you provide an opinion on if and when it would be worth at least considering leaving the NHS pension scheme due to tax reasons?  I can sense immediate puckering and this is not something I ask on a whim - I am aware of the comparative value of public sector DB pensions versus other retirement savings methods and indeed encourage the staff I work with to pay in.  I am a senior doctor in my 40s with high NHS earnings and rental income on top. I am one of those affected by Annual Allowance tapering and have significant AA tax bills every year with no end in sight. My projections are that I will have an annual AA tax charge of ~£30k every year going forwards as my income is pretty stable. The annual AA tax charge is up to 40% of the annual capital benefits accrued in any year (i.e. LTA calc of 20 times pension plus 3 times lump sum).  I pay this via scheme pays but the scheme pays loan docked from benefits at retirement is inflated at CPI+1.7% against pension benefits growth of CPI+1.5% from my own research. I don't expect much sympathy as a high earner but no-one wants to pay more tax than they have to and I never hear my situation talked about other than snippets in the depths of Reddit forums.  My plan is to keep ploughing on and engage a full-scale planning review when I turn 50 leaving up to 10 years to consider aversive action once my wife and I have 'enough' pension. Many thanks for your thoughts. David. 09:23  Question 2 Dear Pete and Roger, I want to say a big thank you for all of the guidance you provide, there really is nothing else like it and has been hugely beneficial in organising my finances. My question for you is how to structure gifts to someone who is going through the early stages of a divorce. My sibling is sadly in this situation and our mother is looking to make a sizeable gift to us following the death of our father. How should we be thinking about this and are there any vehicles or structures such as trusts that we could be using to avoid my siblings spouse from being entitled to half of the gift? Grateful for any guidance you can provide in this matter. Best regards, Alfred 13:12  Question 3 Hi, I have held several GIA accounts for many years and I hold accumulating ETFs within the GIAs. Occasionally, I have had to pay CGT through my self assessment when I have sold these ETFs. Mostly, I have always been a basic rate tax payer. I have recently discovered that HMRC requires Excess Reportable Income (ERI) to be declared on accumulating ETFs. In the case of ETFs which receive company dividends, this means I need to take note of the Reporting date of each ETF and add up all notional dividends as if they were paid on the distribution date (6 months later) and if over £500, I should have paid dividend tax on the excess. Also, in the case of some MMF ETFs I hold, these may have an ERI notional interest payment and this would count as being potentially subject to income tax. Since I have sold many of these ETFs and I have not subtracted the ERI amounts from my total gain, I have probably overpaid tax (CGT) rather than underpaid as a basic rate tax payer. However, if I was a higher rate tax payer, I would probably have been underpaying tax if I have not accounted for ERI. This is because the higher rate dividend tax is much higher than the CGT rate. I now understand that to avoid having to calculate ERI on accumulating ETFs each year and keep a running total for each one, most people simply buy distributing ETFs inside a GIA rather than accumulating ETFs and I am in the process of ensuring all my ETFs are the distributing kind inside my GIAs. Should I be concerned about ERI on my accumulating ETFs? Do accountants calculate ERI for their clients on all the accumulating ETFs they hold? If so, how do they do it as there does not seem to be any easy way? Do HMRC ever check that the ERI on accumulating ETFs has been declared (my guess is that they would only bother for high rate taxpayers with large ETF holdings)? How would HMRC even know that you hold large amounts of accumulating ETFs on which you should be declaring ERI? Why is it that hardly anyone seems to know about ERI on accumulating ETFs? 19:14 Question 4 Good morning both, I would like to start by thanking you for all your hard work over the past decade or so. I am a mid 40's year old woman who had no financial knowledge until about 2 years ago. I had a cancer diagnosis which led me to leave a very time consuming and stressful job and take over the family finances which had been neglected for the best part of 20 years. We are now in a much better position; we have filled our ISA's and that of our children, put more money into SIPP's (and opened one in my case) and opened junior SIPP's for the kids. Our mortgage is paid off too. I have listened to all your back catalogue and in some cases relistened to episodes which have been especially useful to our situation! Thank you. My question relates to funds that have done particularly well and what is best to do with them. Some of my earlier fund choices are showing gains of around 50%. This seems extraordinary to me and I am very happy with the return. My Dad (much more experienced who has been doing this for 50 odd years) tells me the best thing to do with these funds is to take out 50% of the gain and reinvest in a different fund. What would your advice be? Take out the whole lot and re-invest? Take out 50% and re-invest that as recommended by my Dad or leave the whole lot in and hope it continues to grow? For background, I am very happy with the gains but we are very much on a catchup programme as we have started so late. The sums involved are still quite small! The ultimate aim is for my husband to retire early. I hope to work again too at some point once all treatment is finished but only part time. I am so grateful for everything you have done and always wait eagerly for the next episode to drop. With very best wishes, Agnes 26:02 Question 5 Hi, Hope you are well and can help a Cornish lass! I am 35 and have never been able to budget or manage finances. In fact I have always buried my head in the sand.  Unfortunately, when lockdown and maternity leave hit at the same time, we could not afford our debt repayments (we had purchased a house in January of 2020 too). We had no choice but to take out an IVA. We are now in the 6th year of this as it was extended as we couldn't release equity from our home. This is due to end in November of this year and I have been doing my best to learn about budgeting and managing finances ready for when this ends.  I have started a spreadsheet to start tracking expenses and aim to start an emergency fund plus a pot for putting some money away for Christmas/birthdays. I have been discussing this with my husband and he thinks we should get an overdraft as soon as the IVA finishes to start building our credit rating, whereas I think we should get a small credit card that we pay off each time we use it. What do you think we should do as our first few steps coming out of the IVA to build more security for our future?  Thank you in advance. Kindest regards Lisa 33:12  Question 6 Salutations, Roger, Pete, My question is on what to do with a lump sum inheritance-y thing as a younger guy. My parents have been very financially successful in business and incredibly generous to my brother and I, and gifted us each an apartment a few years ago, to make use of the "first property" exemptions and the 7 year gift rule. Now that I'm mature enough to understand the opportunity, I've taken control of the management of mine. While I understand it's an incredible income generating asset, I'm not a fan of real estate, and am much more comfortable selling the property and investing in index funds within the variety of wrappers available in the UK. After fees and taxes, should I go through with the sale, I will net approx £350k. My plan is as follows: - £47k into premium bonds (I currently have £3k) - £40k into my SIPP (limited by current salary) - £40k held in cash, to be invested into my SIPP in tax year 2, potentially up to £52k as my salary rises - Remainder into GIA - All invested in Vanguard index tracking funds I'm 26, working as an Officer in the military, so I have an incredibly low cost of living (subsidised accommodation and no utilities), and a non contributory DB pension plan, so no need to allocate money there, and am able to max out my S&S ISA yearly just with my salary. I know these steps are good, but having the best part of £220k in a GIA, paying CGT on the other end of that makes me a little unhappy, especially if I hold it for multiple decades. I'm aware this is a real champagne problem but do either of you have any recommendations on improvements to my plan and mindset, or are you able to poke any holes in my approach? Should I hold more in cash to later invest into my SIPP? Bed and ISA/ SIPP over time? Spend some of it, even? I know it's an aggressive approach, but I'm sort of an "all or nothing" sort of guy, even with investing as is referenced in my 70+% savings rate, but balance has always been hard for me to find. My goal is to be Financially Independent by 36. I'll likely keep working but I like the security of that idea, and the saltily coined term "F-you money". Whatever you both think, I will deeply ponder over and analyse for many hours. Thank you both for the many episodes of top tier information. I would apologise for the lack of brevity, but I know you love it really. Thanks guys, you're both rockstars! Nick

If you have a vagina, there's a nonzero chance you've dealt with vaginal discomfort: itching, burning, strange discharge, pain, or something just feeling off. You are absolutely not alone. Today, DB sits down to talk with Daniella Levy, one of the co-founders of Happy V. What's it like having chronic Bqacterial Vaginosis -- and what's it like finally being free from it? We're SO PROUD to be partnered with Happy V here at the show! ABOUT OUR GUEST: Daniella Levy is the co-founder of Happy V, a women's wellness company on a mission to provide science-back, transparently formulated products to support women's health and confidence at every stage of life. She started the company in 2019 after struggling with recurring Bacterial Vaginosis for 5 years and with the help of her partner, we co-founded Happy V and launched with their best-selling Prebiotic + Probiotic. Since then, Daniella is proud to say Happy V has helped over 500,000 women find relief! TAKE OUR SMUT QUIZ: Find your page-turning turn-on with our new SMUT QUIZ! In just 5 questions, you'll get right to the good stuff with curated pages, poems, and audios. No slow burn. No fluff. Just pleasure.; Take the quiz here: https://sexedwithdb.fillout.com/smutquiz  ASK AN ANONYMOUS SEX ED QUESTION: Fill out our anonymous form to ask your sex ed question. ABOUT SEX ED WITH DB: Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. Season 14 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. GET IN TOUCH: Email: sexedwithdb@gmail.com CONNECT WITH US: Instagram: @sexedwithdbpodcast; TikTok: @sexedwithdb; Threads: @sexedwithdbpodcast; YouTube: Sex Ed with DB; X: @sexedwithdb SEX ED WITH DB SEASON 14 SPONSORS: Uberlube, Magic Wand, Nancy, and Happy V. Get discounts on all of DB's favorite things here! DISCOVER SEX POSITIVE EVENTS IN YOUR CITY: Subscribe to our newsletter for S.E.X I.R.L: your curated monthly list of sex-positive events, spaces, and experiences happening in person across major cities. FOR SEXUAL HEALTH PROFESSIONALS: Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" SEASON 14 TEAM: Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her); Producer and Growth Marketing Manager: Wil Williams (they/them); Social Media & Communications Manager: Iva Markicevic Daley (she/her) MUSIC: Intro theme music: Hook Sounds; Background music: Bright State by Ketsa; Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa.; Thank you Ketsa!  

Slam this button to send us a message! All wrestling opinions welcome!The Boys of Summer Return! DB, Dylan & Primo Are Back on the Flagship Podcast to Discuss Real Life & Gimmick Siblings in Professional Wrestling. As Always, They'll Discuss the Latest News in Wrestling in the Hot Start & So Much More! Thanks For Listening! (Ep 190)Subscribe at www.SitDownMarks.com Insta: SitDownMarksPodcastFB: Sit Down MarksSportzWire Radio Hall of Fame Podcast!!Want to Advertise or Market Your Product or Service to our Fanbase? Email dbonthemic@yahoo.com or Follow @SitDownMarks on Social Media and Message us there!#SpreadTheGoodWordofWrestling

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Double Tap - Ep 466 This episode of Double Tap is brought to you by: Foxtrot Mike (Code: WLSISLIFE) Rost Martin (Code: WLSISLIFE) Night Fision (Code: WLSISLIFE) Flatline Fiber Co (Code: WLS15) Bowers Group (Code: WLS) Text Dear WLS or Reviews +1 743 500 2171 Public Show Titles   GOA GOALS Aug 1-2 in Iowa. https://goals.goa.org/ JUNE 20th, 2026 GunCon.net Tickets on sale now. Use code AGENCY171 DEAR WLS Question from PlowGuyDave from Colorado When is Aaron coming back? Love, PlowGuyDave Question from Rob K from Connecticut Rob K From ConnecticutDear WLS Hey guys it's Rob again! I finally got my approval paperwork on my Aero M5 in my state after having to register it. Since it will probably be my only AR-10 I'll ever own unless I move I'm looking for ideas on a final build for it. I'm very similar to Nick where I don't want to switch around uppers on my lower. If you guys could only build one AR-10 how would each of you do it? Caliber? Barrel length? Optic? Max range I have access to is 200 yards. I'm open to anything on my final build including switching to 6.5 Creedmoor. It's currently set up with a 18inch Aero upper in 308 with a swampfox 5-25×56 FFP Warhawk. Before Jeremey comments I know the scope is massive for that rifle and range I have. I got a crazy deal on it and couldn't say no but realized it's not ment for my setup. Any ideas would be greatly appreciated! Bonus question! What bolt rifle would you throw that Warhawk on always down to buy another rifle for the collection. Many thanks guys!!! #WLS is life!!! Question from David Lettuce from TN David Lettuce – Hey Jeremy, how does it feel knowing a teenaged future butter bar is stacking insurgents and getting a knife stateside at Old Dominion while you battle a head cold (it's probably monkeypox)? #scoreboard Question from Bill T from TX Bill T from Tx. I am looking at getting the Bodyguard 2.0. Have y'all heard of anyone making a +3 mag extension for them yet? I can't find anything, though you might have inside info. Question from Anonymous Coward from Oregon If budget was no option what would your full loadout kit look like?From secret admirer GUN INDUSTRY NEWS THEFIREARMBLOG Fischer Development FD-Silencer Austrian manufacturer Fischer Development designed the FD-Silencer to mount directly to a pistol's frame accessory rail rather than threading onto the barrel. This no-modification system adds approximately 165mm in front of the muzzle, weighs 380 grams, and is compatible with Glock 17, 19, 34, 45, and HK SFP9 models in black or FDE finishes. It supports both subsonic and supersonic ammunition without affecting point of impact and allows use of standard iron sights. SHOOTINGWIRE MDT ACC Premier Gen2 Limited Edition Chassis in War-Torn Bronze for Remington 700 Short Action MDT has released a limited, numbered run of its ACC Premier Gen2 competition chassis featuring a War-Torn Bronze Cerakote finish. The chassis is designed for PRS and precision rifle shooting on the Remington 700 Short Action platform with AICS-pattern magazine compatibility. It includes the adjustable SRS-X Premier buttstock and accepts the full range of MDT ACC accessories. THETRUTHABOUTGUNS Scout Rifle Reflex Suppressor Mount The article discusses reflex (over-the-barrel/OTB) suppressors and associated mounting solutions designed to preserve the compact handling, balance, and forward-mounted optic compatibility of Scout rifles. These designs position part of the suppressor body rearward over the barrel, avoiding the forward weight shift and length increase typical of traditional muzzle-mounted cans while delivering effective sound reduction. INSIDE SAFARILAND Pew Locker by Shawn Herrin (Firearms Radio Network) Pew Locker is a mobile-first, zero-knowledge encrypted digital inventory platform for firearm collectors. It supports tracking of firearms, NFA items with tax stamps, ammunition by caliber/brand, optics, suppressors, and other accessories in a real-time dashboard showing total collection value. Key privacy features include 256-bit sodium-authenticated encryption, metadata scrubbing on photos, Burn Notice Protocol for instant permanent deletion, QR-code enabled Range Log for range notes/ammo deduction, Widow View for beneficiary access, and CSV export. THEOUTDOORWIRE Orion Wholesale Partners with Hi-Point Firearms and Taylor Customs to Launch Exclusive Hush-Point Cigar 22 Suppressor Orion Wholesale, Hi-Point Firearms (MKS), and Taylor Customs have collaborated on a limited-run, exclusive .22 suppressor designed to resemble a premium cigar. The Hush-Point Cigar 22 is a monocore suppressor featuring a rich dark brown finish with gold accents, hard-anodized construction, and 1/2×28 direct thread mounting. It is lightweight, easy to install, and provides reliable suppression for .22 rifles and pistols. THEOUTDOORWIRE Bear Creek Arsenal Launches .30-30 Winchester Upper Assemblies and Rifles Bear Creek Arsenal has released .30-30 Winchester upper assemblies and complete rifles featuring a 20-inch parkerized SOCOM barrel, mid-length gas system, MLOK split rail handguard, and options for right-side or rear charging handles. The platform is positioned for hunting applications including deer, feral hog, and black bear. Products are available as of the June 11, 2026 launch date via BearCreekArsenal.com. THEOUTDOORWIRE Zanders Now Carrying GLFA Sub-One Rifle Zanders, a national distributor based in Sparta, Illinois, has added the Sub-One lightweight precision rifle from Great Lakes Firearms & Ammunition (GLFA) to its lineup. The rifle features a carbon fiber stock, integrated Arca rail, fluted barrel, adjustable trigger (2-5 lbs), QD mounts, and is offered in .243, .308, and 6.5 Creedmoor calibers with barrel lengths from 18″ to 24″ depending on model. THEOUTDOORWIRE Dead Down Wind All-In-One Hygiene Kit Dead Down Wind (Arcus Hunting) has released the All-In-One Hygiene Kit combining everyday personal care items with the brand's scent-eliminating technology targeted at hunters and outdoorsmen. The kit includes a durable travel bag for organization and use in vehicles, cabins, camps, or daily carry. It is positioned as a practical, year-round Father's Day gift. THEFIREARMBLOG Nightfox Arctic Helmet-Mounted Thermal Monocular Nightfox has released the Arctic, a budget helmet-mountable thermal monocular featuring a 256×192 sensor running at 50fps with ≤30mK NETD sensitivity. It includes a 2.06-inch AMOLED display, IP65 weather resistance, up to 9 hours of battery life from a 3500mAh cell, 32GB microSD storage, and comes with both a head strap and dovetail helmet adapter. The unit weighs under 280g and is positioned as an affordable entry into hands-free thermal imaging for hunting and scanning. THEFIREARMBLOG Warrior Systems Manufacturing Legionary 22 .22 LR Suppressor WSM has released the Legionary 22, a purpose-built direct-thread .22 LR suppressor constructed from 6061-T6 aluminum with a Type III hardcoat anodized finish. The can weighs 3.5 ounces, measures 1 inch in diameter, and is rated for approximately 27 dB reduction on .22 LR (to 114.10 dB). It features a non-timed baffle stack, ships with a direct thread end cap, wrench, and manual, and carries a limited lifetime warranty. THEFIREARMBLOG XS Sights Magazine Extensions for Smith & Wesson M&P 2.0 and Walther PDP XS Sights has released +5 magazine extensions compatible with Smith & Wesson M&P 2.0 and Walther PDP pistols. The extensions convert 15-round magazines to 20 rounds and 18-round magazines to 23 rounds. They are machined from aircraft-grade aluminum with a black nitride coating. THEOUTDOORWIRE Colt 1911 USA 250th Anniversary Special Edition – Iron Valley Exclusive Colt and Iron Valley Supply released a serialized, limited-edition Classic Government Model 1911 commemorating America's 250th anniversary. The pistol features a high-polish blued finish with gold embellishments by Baron Engraving depicting the signing of the Declaration of Independence and honoring those who defended U.S. freedoms. It includes satin-finished dark walnut grips inlaid with a Betsy Ross Flag medallion and is available exclusively through Iron Valley Supply. THEOUTDOORWIRE Frank Miniter Releases 'Cool Heroes for Boys—20 True Tales of Adventure' Personal essay by Frank Miniter describing his experience seeking suitable adventure books for his son that feature strong male heroes and accurate American history, particularly stories tied to the Second Amendment and the right to keep and bear arms. Finding youth library sections lacking in traditional Western, adventure, and non-politically correct historical tales, Miniter researched and wrote his own collection of short stories about figures including Paul Revere, George Washington, Alvin York, Sam Walker, Teddy Roosevelt, and Davy Crockett. The book aims to equip the next generation with understanding of freedom to counter anti-gun influences in education. OUTDOORHUB May 2026 FBI NICS Numbers Released The FBI released May 2026 National Instant Criminal Background Check System (NICS) data showing 1,105,758 adjusted checks, a 3.2% increase from May 2025. Unadjusted totals were 1,780,230, down 10.9% year-over-year, while NFA checks surged 100.4% to 146,551. Top states for adjusted checks were Texas, Florida, California, Virginia, and Pennsylvania. Before we let you go – JOIN GUN OWNERS OF AMERICA We'd love if you supported the show, join Agency 171 at agency171.com. Lot's of prizes, rewards and kick ass swag. No matter how tough your battle is today, we want you here fight with us tomorrow. Don't struggle in silence,...

Every 49ers fan has thought about it. Maxx Crosby next to Nick Bosa. The most relentless pass rusher in the NFL in a San Francisco uniform. It's a great dream and an almost impossible reality. The Raiders are not trading their franchise cornerstone to help a conference rival, the price tag would gut San Francisco's draft capital for years, and Las Vegas has every reason to keep him and zero reason to deal. In this stream we're killing the rumor, explaining why it's not happening, and talking about what the 49ers should actually be focused on instead.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports #maxxcrosby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After taking some time off, we are back to catch up on all the happenings in Chiefs Kingdom! Patrick Mahomes signed a new extension, shooting him back to the top of the QB market, AND he's already back practicing after tearing his ACL at the end of last year. The Chiefs also brought back old friend L'Jarius Sneed to be a veteran presense in the DB room. Josh Simmons is JACKED, and the Chiefs have a good problem, with too many guys competing at OT, the possibilities are endless. We cover all this and more in this one, thank you for tuning in and rocking with us!Follow us @KingdomSaysPodlinktr.ee/kingdomsays

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Today we remember Aldon Smith in full. The player who made 49ers fans jump out of their seats. The young man who fought battles most of us will never understand. And the painful reality that we lost him far too soon.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/ For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports #aldonsmith Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nobody is picking the San Francisco 49ers to win the Super Bowl this year. The Rams got Myles Garrett. The Eagles are healthy. The Lions are hungry. The Chiefs are always there. Even though they were a playoffs team last season, the 49ers have quietly slipped out of the national conversation in a way that would have been unthinkable two years ago. Here's the thing. They're fine with it. The best 49ers teams have always had a chip on their shoulder. The ones that went deep in the playoffs were the ones that had something to prove. This roster has every reason to be motivated and the national media is handing them the perfect excuse to circle the wagons, trust each other, and let the games do the talking.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/ For advertising opportunities:  contact@hogmedia.co Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Check out this link to buy DB's Books[link] Season 22 bonus episodes 65-88 # Name Author Description 65 The Fall of the House of Usher Edgar Allan Poe A gothic tale of a decaying family, a decaying mansion, illness, obsession, and a terrible burial mistake. 66 What Was It? Fitz-James O'Brien A strange invisible creature is discovered in a boarding house, turning supernatural terror into a problem of observation, capture, and proof. 67 The Upper Berth Francis Marion Crawford A passenger aboard a ship investigates a cursed cabin where something horrifying appears from the sea. 68 The Death of Halpin Frayser Ambrose Bierce A nightmarish tale of murder, memory, and supernatural revenge, centered on a man lost between dream, guilt, and death. 69 The Mark of the Beast Rudyard Kipling A colonial horror story in which a drunken insult to a sacred image brings a hideous curse. 70 The Captain of the 'Pole-Star' Sir Arthur Conan Doyle An Arctic ghost story about a doomed captain, an obsessed expedition, and something haunting the frozen wastes. 71 The Yellow Sign Robert W. Chambers An artist and his model become drawn into a decadent supernatural mystery involving a sinister symbol and the King in Yellow. 72 Xelucha M. P. Shiel A lush, strange, morbid tale of obsession, death, and uncanny beauty, written in Shiel's dense decadent style. 73 The Red Room H. G. Wells A skeptical man spends the night in a supposedly haunted room and discovers terror without needing a visible ghost. 74 The Shadows on the Wall Mary E. Wilkins Freeman A domestic ghost story where grief, suspicion, and a strange shadow reveal something dreadful within a family home. 75 The Harbor-Master Robert W. Chambers A weird tale of coastal mystery, pursuit, and monstrous transformation, mixing adventure with uncanny horror. 76 The White People, Pt 1 Arthur Machen The opening of Machen's occult horror story, framing forbidden knowledge, childhood innocence, and hidden pagan mysteries. 77 The White People, Pt 2 Arthur Machen The central portion of the story, presenting a young girl's secret diary of strange rites, hidden places, and uncanny encounters. 78 The White People, Pt 3 Arthur Machen The conclusion of the tale, where the innocent-seeming account becomes something much darker and more spiritually dangerous. 79 Lost Hearts M. R. James A young orphan comes to live with an elderly relative and uncovers a cold, scholarly evil involving missing children. 80 The Willows, Pt 1 Algernon Blackwood The beginning of a cosmic nature-horror story about two travelers canoeing down the Danube into a remote and hostile landscape. 81 The Willows, Pt 2 Algernon Blackwood The travelers become increasingly aware that the landscape around them may be alive, watching, and spiritually alien. 82 The Willows, Pt 3 Algernon Blackwood The pressure of the place grows unbearable as natural details become signs of a vast, inhuman presence. 83 The Willows, Pt 4 Algernon Blackwood The conclusion reveals the full terror of the willows: not a simple haunting, but contact with forces beyond human scale. 84 The Hashish Man/The Unhappy Body Lord Dunsany Two short Dunsany pieces: one dreamlike and visionary, the other a strange fable about the body, identity, and dissatisfaction. 85 Fishhead Irvin S. Cobb A grotesque backwoods horror story about an outcast man with fishlike features and a reputation for uncanny violence. 86 The Hashish-Eater, or the Apocalypse of Evil Clark Ashton Smith A visionary prose-poem of cosmic horror, decadent imagery, and apocalyptic evil unfolding through drug-induced revelation. 87 Seaton's Aunt, Pt 1 Walter de la Mare The first half of a quiet psychological ghost story about a boy's unsettling visit to his friend's house and his terrifying aunt. 88 Seaton's Aunt, Pt 2 Walter de la Mare The second half deepens the dread around Seaton's aunt, leaving the horror ambiguous, oppressive, and emotionally cruel.

Mandatory mini camp wraps up with Matt LaFleur announcing rookies only next week at OTAs. First training camp practice is July 29th. We break down Isaiah Nayer's journey from UDFA to Packers practice squad standout, his ridiculous athletic profile, and his path to the 53-man roster. Tucker Kraft updates his recovery timeline aiming for a full Week 1 return with no pitch count. Plus rookie Brandon C. Say on Jonathan Gannon's tough-love coaching in the DB room and why he thrives under it.  

Mandatory mini camp wraps up with Matt LaFleur announcing rookies only next week at OTAs. First training camp practice is July 29th. We break down Isaiah Nayer's journey from UDFA to Packers practice squad standout, his ridiculous athletic profile, and his path to the 53-man roster. Tucker Kraft updates his recovery timeline aiming for a full Week 1 return with no pitch count. Plus rookie Brandon C. Say on Jonathan Gannon's tough-love coaching in the DB room and why he thrives under it.  

When Fred Warner talks, you listen. He is the quarterback of the San Francisco 49ers defense, the most respected voice in that locker room, and a player who has seen enough talent come and go to know the difference between genuine promise and empty hype. He thinks that Collins, West & Williams are about to have huge sophomore years. In this stream we are breaking down all three players, what Fred Warner actually said and why it matters, what this young core needs to do to live up to the hype in 2026, and whether the 49ers defense is quietly becoming the most underrated unit in the NFC.  Subscribe to DB+ for the Bay Area's most unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The NFC West is not short on backfield talent in 2026. The Rams have weapons. The Seahawks have a capable stable. The Cardinals are rebuilding but they have pieces. And then there are the San Francisco 49ers, who have built what many consider the most system-friendly, versatile, and dangerous running back group in the entire conference.  Subscribe to DB+ for the Bay Area's sharpest and most unfiltered sports coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/ For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports #christianmccaffrey Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

JP Shadrick and Jeff Lageman are joined by GM James Gladstone to discuss his approach to analyzing minicamp performance, notable standout players and how offseason workouts impact regular season success. Later, the crew discusses the importance of a guiding veteran presence, the DB room's early success and more on Jaguars Happy Hour.See omnystudio.com/listener for privacy information.

Today Tim Kawakami joins the show — one of the most respected and plugged-in sports journalists in the Bay Area — and we are going deep on this topic. The players whose careers plateaued because of self-inflicted wounds. The teams that had championship rosters and championship-killing drama at the same time. The moments where one person's inability to get out of their own way changed the entire trajectory of a season or a franchise. Aiyuk is the jumping off point. The conversation goes much further than that.  Subscribe to DB+ for the Bay Area's sharpest and most unfiltered sports coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bryan Gee returns with the latest edition of the V Podcast, rolling through a selection of soulful gems, jungle pressure and upfront D&B bangers. Fresh heat from Riya, L-Side, Degs, Solah, Level 2 and Alibi, alongside timeless pressure from Roni Size and Jumpin Jack Frost. From smooth vocals to rugged breaks, it's a full-spectrum run through the V sound and beyond. On guest mix duties this month is Cloud Lord (aka Krust & Need for Mirrors), with Krust stepping in to deliver a deep, atmospheric session that leans into the darker corners of drum & bass. Known for a stripped-back, cinematic approach and releases across labels pushing the underground forward, this mix brings a different kind of energy. 01. Roni Size & WheelUp – Take The Crown 02. Roni Size – Untitled 03. Roni Size & Reprazent – Western (Remix) 04. Makoto & DJ Marky – It's Alright (Remix) 05. Degs, L-Side & Makoto – There's Nothing Like This 06. Chimpo & Pablogyal – Take Care Of (Sl8r Remix) 07. Riya, DRS & Sl8r – So Close 08. Riya & Motiv – Watch Light 09. Illmatika – Outside (Tim Reaper Remix) 10. Breakage – Wonder 11. Business As Usual & Rider Shafique – People Select 12. Jumpin Jack Frost – Armageddon 13. MC Fats & Inja – Eyes On You 14. Solah & Break – Forever 15. Solah & Alibi – False Reality 16. Riya, Collette Warren & Zero T – What You Gonna Do 17. L-Side & Golden Child – Ginseng 18. Level 2 – Get To Know You 19. Solah & DJ Marky – Sunshine 20. MC Fats & Inja – Keep Us Apart 21. Command Strange – Back To You 22. Jumpin Jack Frost – Good People 23. Bluemode – Away From Home 24. Lemon D – Skank 25. DJ Marky & Makoto – Dedicated to Conrad 26. Minor Forms & Crystal Clear – Nightmares 27. Alibi – Run Tings 28. Paul T & Edward Oberon, Brodie & Enamie MC – Mash Up Da System 29. Serum, Paul T & Edward Oberon – Moon In Your Eyes (2026 Remix) 30. MC Fats & Inja – Sugar Sweet (Inja's Real Rock Reggae Mix) — Cloud Lord Guest Mix — (Tracklist unavailable)

Have the San Francisco 49ers genuinely closed the gap on their fiercest competition heading into 2026? On the Rams, who just traded for Myles Garrett and are going all in with a Super Bowl at SoFi on the line? On the defending world champ Seahawks? On the Eagles, who despite their injury collapse last season remain one of the most physically built rosters in the NFC? A Dave Lombardi tweet set some fans off this week. People read it. People reacted. People ran with it in directions that had nothing to do with what Lombardi was actually saying. And now the conversation is muddied when it should be one of the most interesting and honest discussions the 49ers fanbase can have right now.  Subscribe to DB+ for the Bay Area's most honest and unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/ For advertising opportunities: contact@hogmedia.co  Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Chiefs current roster features only eight players on the Offense and Defense that were a part of the Chiefs opening day 53-man roster just four years ago. Which eight players will still be on this roster four years from now? Jeff Chadiha (NFL Network/NFL.com/@JeffriChadiha), Sam McDowell (Kansas City Star/KCStar.com/@SamMcDowell11) and Soren Petro (Sports Radio 810 - WHB/810whb.com/@SorenPetro) take their shot at figuring out which handful of Chiefs players will beat the odds and still be on the roster heading into the 2030 season. Is Mahomes still QB-1? Will a WR step up and make the cut? Will Creed Humphrey or Trey Smith get a third contract? Is there a new Chris Jones on the DL? Will the Chiefs ever sign a DB do a second contract? ️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! https://streamyard.com/pal/d/5883084893847552 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k income, and whether taking a defined benefit pension early can make sense when health is a factor. Plus, we explain the Royal Mail Collective Defined Contribution (CDC) pension, share practical guidance on dealing with overseas pensions, and discuss when to take 25% tax-free cash for the best outcome. Shownotes: https://meaningfulmoney.tv/QA51    01:36  Question 1 Hi both, I have a question relating to discretionary trusts for life insurance policies. I'm from Scotland, 37, married with 2 young children and have a life assurance policy with Vitality which is currently not in trust. I was considering putting into a trust for the benefits associated to inheritance tax but was looking to get your opinion on whether it was necessary or not, and what the pros/cons are. Thanks, Marc 05:46  Question 2 Hi Pete and Roger I am a relatively latecomer to the podcast - its been a year or so now but your work makes the complications of planning for retirement so much more understandable so thank you for bringing clarity to a very difficult subject. I have two first world questions if I may.  Neither are time critical. I am in a fortunate position.  DB pensions will kick in over the next 2 years (I am 63) totalling circa £75K pa and with the state pension at 67 it won't be very long - if tax thresholds and rates don't change - before I will be hitting the 60% effective rate.  So to delay the inevitable, I am thinking I will need to contribute to a DC pension!  As I understand it, if I have a DC scheme for three tax years and presumably contribute to such a scheme each year (say £100?) in the year I hit the £100K income, I will be able to contribute gross £3600 x 4 (so £2160 pa or £8640 in total, less any annual contributions along the way) in the first year or with care spreading that amount over 2-3 years to ease the tax burden.  I realise when the money is withdrawn it will still be taxed at my marginal rate, but maybe the 60% marginal rate will have been removed by then - I can hope!  Is that right?  Have I missed anything or are there any other techniques generally available? I am also in a position that when my wife and I both die, unless carehome fees have eaten into the estate, there will be inheritance tax to pay as our combined wealth is well over £1m and we have already given away what we reasonably can to our children.  As I understand it, inheritance tax is payable 6 months after death but all being well probate will be granted well before that so our bank accounts can be used to pay the tax (our children have financial and health powers of attorney but they are irrelevant on death).  Apart from incredibly expensive life assurance or a lifetime gift of cash for this purpose, is there anything else we can do to facilitate payment (the nature of our affairs means there's not much more we can do to mitigate the liability itself, ie the vast majority of the value is in the family home!) Many thanks, David   11:46  Question 3 Hi Roger and Pete,   First of all thank you for all the content you provide, it has been incredibly useful as I start to really take the idea of early retirement seriously.   I am 49 and looking to retire as early as financially possible as I have medical issues that mean my life expectancy is somewhat curtailed - though I plan on defying the inevitable for as long as possible.   I have a DC pension which I plan to access as soon as I stop working in hopefully 10 years' time. I also have an index-linked deferred DB pension which provides a 50% widows pension as one of the benefits.   I am torn between accessing this 6 years early (with a 25% reduction) as I start drawing from my DC pension, or delaying so that my wife is better taken care of later in life. Whatever I choose, all the projections seem to stack up that my DC pension should last into my 90s, but I'm acutely aware that I will probably want to go a bit overboard when I first retire and try to maximise travel and experiences.   My question is, am I missing something in the DB trade off?  Assuming I live a while after retiring, accessing the pension early will take a decent amount of time before we're financially worse off than we would have been if we'd waited (~13 years). However the combined loss of my state pension and the smaller DB income could leave my wife short of funds.   I would really appreciate your perspective on this scenario and anything else you think I might want to consider, many thanks again for all of your words of wisdom, Dan Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  19:40 Question 4 Hi Pete and Roger! My partner works for Royal Mail, she is under the new starters contract and started in 2022, at which point the pension scheme was a typical defined contribution scheme with very generous contribution levels from the employer of 10% with a 6% contribution from the employee. This was 'easy' to make assumptions on for compound calculations to plan for our very far away retirement as we are both currently 27 years of age. Now this brings me to today's pension scheme, which is known as a Collective Defined Contribution plan. I'm struggling to find any information on this type of scheme as it seems to be the first of its kind in the UK, and seems to have been used for a while in the Netherlands. Now the wording of the scheme seems to be worded as if it's a Defined Benefit scheme with a lump sum being paid at retirement age and a 'Guaranteed income for life' amount being paid each month, however it has the caveat that the payout per month may decrease if investments do not perform as expected for better or for worse, so this is not a guaranteed amount at all in reality. The issue I have with this is that with a standard DC scheme like my own, if I was to die either before or during retirement, the remaining money in the pot would be inherited by my surviving spouse or if she was to pass away before I do, it would go to the next nominated beneficiary. With the Collective DC scheme, it's worded that if my partner was to die before she claimed it then I would receive the 'income for life' portion at a reduced rate of 50% and lose out on the lump sum entirely or if she was to pass away after claiming it then she would clearly receive the lump sum and I would remain to collect 50% income for life for as long as I remain alive. This seems to be very unfavourable for anyone receiving the benefit of this scheme on the whole. Now with some calculations, not using exact figures but somewhere close, I've just done some comparisons as the new Collective DC plan was sold as far and away a better option than the old DC Plan, but I cannot find a way for it to make sense. It's hard to see how this new scheme is better in any way compared to the old scheme, even if the contributions from the employer look more generous on paper. Is there something I am completely missing or misunderstanding with this new type of pension scheme? I have not seen much content online about it at all and would love for this to be featured in a podcast episode or video or even just for a chat on this matter as I feel very underwater with this. I can't seem to find a good way to factor this pension into our plan as we do plan to retire before the age of 67, this is just the age stated on the CDC scheme for payout so this is the assumption I am working with. There is an option to opt out of the CDC plan and join a regular NEST DC plan instead but this only has 4% employer contributions on top of the 5% employee giving a yearly contribution of x per year. I suppose my main gripe would be how much you would lose out on if the worst was to happen as traditionally this would remain as a pot for next of kin to inherit, however if my partner and I both passed away at age 70 (I certainly hope not!) and didn't have kids under the age of 18, the entire amount of money would be lost. This is the part I'm struggling to wrestle and the NEST pot even looks appealing with this in mind. I know the future is uncertain and we could live to 100, but the chances are relatively low. Apologies this got a bit long and ranty, I would appreciate any feedback. Keep up the amazing work and I have learned loads from your content over the years. Many Thanks, Joe 29:56 Question 5 Hi Pete and Rodger, Like many people these days, I spent part of my career working overseas. I'm now 52 and have been thinking about how best to deal with personal pensions I accrued while working abroad, in my case, in Japan and the United States (both broadly equivalent to 401(k)-type schemes). While working overseas, I didn't accrue sufficient qualifying years to receive any state pension benefits, but I did build up some company personal pension entitlements. The amounts are relatively small (less than £100k in total), which makes me question whether it's worth the time and cost of seeking formal financial advice. My UK-based pensions and ISAs are relatively straightforward and well organised, but these overseas pots feel more cumbersome by comparison. I imagine there must be many people in a similar position, holding small overseas pension pots and unsure what the most sensible approach is. From an administrative perspective, it feels as though the simplest option may be to access these pensions as soon as I reach the relevant retirement ages, rather than continuing to manage them long term. That said, I'd welcome any general thoughts or guidance on typical approaches people take in this situation, and any obvious pitfalls to be aware of. Many thanks, Lawrence Perceptive Planning - https://www.perceptiveplanning.co.uk     34:20  Question 6 58 now and both thinking of retiring at 61 with no mortgage and kids self sufficient. At age 61 we will have around £300k in savings (inc stocks n shares ISAs, cash ISAs, Premium Bonds and Bank Accounts) and between us will have around £450k in Pensions at age 67 and the wife will get a £7k a year NHS DB pension. Our idea is to live off the cash first from age 61 till age 67 to let the pension pot grow to its absolute max and then draw down the 25% tax free to add to state pension at age 67 then live off the rest at about 4% per year BUT others say take the tax free 25% before 67 because if do it at 67 it will add to the state pension taking you over the personal allowance! We want to let the pot grow more for actual retirement age of 67 onwards and leave more for the kids inheritance long term if we don't use it all so unsure what to do. For clarity, it's our intention to lump sum some money in to our pensions and ISAs in April with some of our 'available cash' and may also lump sum in to my Stocks n Shares ISA to leave it growing for say between 8 to 15 years until we need it. Any advice welcome, Steven. James Shack video on Withdrawal Strategy  https://www.youtube.com/watch?v=d4MDvcEcHXI   

Today, we're answering a listener question about sex work from the perspective of a client. Is it bad to pay for sex? Why did it make this listener feel awful afterwards? It's time to dispel some myths about sex work and see what the root of this shame might be. ASK AN ANONYMOUS SEX ED QUESTION:  Fill out our anonymous form to ask your sex ed question FROM THIS EPISODE: Come to our Bi Flirting Night on 6/12 in Oakland, CA! | Our episode "The Realities of Queer Disabled Sex and Pleasure with Andrew Gurza" | Our episode "Hardwired for Connection: Intimacy, Pleasure, and Survival with Dr. Justin Garcia" TAKE OUR SMUT QUIZ: Find your page-turning turn-on with our new SMUT QUIZ! In just 5 questions, you'll get right to the good stuff with curated pages, poems, and audios. No slow burn. No fluff. Just pleasure.; Take the quiz here: https://sexedwithdb.fillout.com/smutquiz  ABOUT SEX ED WITH DB: Sex Ed with DB is your go-to podcast for smart, science-backed sex education — delivering trusted insights from top experts on sex, sexuality, and pleasure. Empowering, inclusive, and grounded in real science, it's the sex ed you've always wanted. Season 14 of Sex Ed with DB is ALL ABOUT PLEASURE! Solo pleasure. Partnered pleasure. Orgasms. Porn. Queer joy. Kinks, sex toys, fantasies -- you name it. We're here to help you feel more informed, more empowered, and a whole lot more turned on to help YOU have the best sex. GET IN TOUCH: Email: sexedwithdb@gmail.com CONNECT WITH US: Instagram: @sexedwithdbpodcast; TikTok: @sexedwithdb; Threads: @sexedwithdbpodcast; YouTube: Sex Ed with DB; X: @sexedwithdb SEX ED WITH DB SEASON 14 SPONSORS: Uberlube, Magic Wand, Nancy, and Happy V. Get discounts on all of DB's favorite things here! DISCOVER SEX POSITIVE EVENTS IN YOUR CITY: Subscribe to our newsletter for S.E.X I.R.L: your curated monthly list of sex-positive events, spaces, and experiences happening in person across major cities. FOR SEXUAL HEALTH PROFESSIONALS: Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" SEASON 14 TEAM: Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her); Producer and Growth Marketing Manager: Wil Williams (they/them); Social Media & Communications Manager: Iva Markicevic Daley (she/her) MUSIC: Intro theme music: Hook Sounds; Background music: Bright State by Ketsa; Ad music: Soul Sync by Ketsa, Always Faithful by Ketsa, and Soul Epic by Ketsa.; Thank you Ketsa!  

She built a $500K business from a podcast most platforms try to shadow ban, and she's here to show you exactly how she did it. Danielle Bezalel, host of Sex Ed with DB, built a $500K+ podcast sponsorship business as an indie podcaster averaging around 1,200 downloads per episode. She just launched Monetize Your Indie Podcast, a self-paced resource hub with her exact masterclass, sponsor ad deck, and pitch email system to help indie podcasters land real brand deals, without a network, agent, or massive audience. She shares/breaks down: ◼️ How she landed her first $5,000 sponsorship deal in season two, with zero prior experience ◼️ Why she requires a minimum six-month contract from every brand she works with ◼️ The exact outreach system she uses to find and cold pitch sponsors (including how ChatGPT fits in) ◼️ How she builds monthly and quarterly reports that keep brands renewing year after year ◼️ The biggest mistake indie podcasters make with sponsorship pricing, and how to fix it ◼️ Why health and wellness creators especially need to stop undercharging for their work ◼️ Her advice for anyone who's never had a paid partnership and doesn't know where to start   Follow Danielle Bezalel: ◼️ Sex Ed with DB: https://www.sexedwithdb.com/  ◼️ Instagram: https://www.instagram.com/sexedwithdbpodcast/  ◼️ Podcast: https://pod.link/1286811573   ◼️ Monetize Your Indie Podcast course: Want to turn your podcast into a sustainable income stream? Danielle Bezalel, MPH helps indie podcasters build real revenue through her Monetize Your Indie Podcast course and private consulting (see her prices here). Reach out at sexedwithdb@gmail.com and read How an Indie Podcaster Made Six Figures to see how she built a six-figure indie show.   Want to grow your visibility through podcast guesting? Explore how PodWritten can help: https://podwritten.com/services/   Bonus tips and resources: ◼️ Blog: https://podwritten.com/blog/ ◼️ Instagram: https://www.instagram.com/podwritten/ ◼️ LinkedIn: https://www.linkedin.com/company/podwritten   Questions or want to say hey? Email us at sam@podwritten.com   Please leave us a review on Apple Podcasts or Spotify.

This is the question nobody around Aiyuk seems willing to ask out loud — who is in this man's ear? Because whoever is advising Brandon Aiyuk right now is doing him a career-ending disservice and somebody needs to say it. You don't go on social media when you're an untradeable, underperforming, overpaid wide receiver who the rest of the NFL has already evaluated and moved on from. You put your head down. You work. You let the tape do the talking in 2026. That is the only path back.  Subscribe to DB+ for the Bay Area's most unfiltered and honest sports coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.    Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

George Kittle is the most complete tight end in football. He is the heartbeat of the San Francisco 49ers offense. He is one of the most beloved players in the Bay Area — and frankly in the entire NFL — because he plays the game with a ferocity and a joy that is impossible not to love. There is nobody like him. Rushing back from a massive injury, is a big mistake. George Kittle does not need to be a hero in September. He needs to be a weapon in January. And those are two very different timelines that require two very different mindsets from one of the least patient competitors in professional football. We are celebrating everything George Kittle is — and making the case that the greatest thing he can do for this 49ers team right now is sit down, be smart, and trust the process.  Subscribe to DB+ for the Bay Area's most honest and unfiltered 49ers coverage.  Sign up for PrizePicks with code: HMA and get $50 in lineups instantly when you play your first $5+ lineup! https://link.prizepicks.com/LME0/DAMON  Snapp AI: Use code "DamonBruceFree" when you sign up at: https://www.trysnapp.ai/  For advertising opportunities: contact@hogmedia.co Support the show by becoming a member: https://www.youtube.com/channel/UCcs13VXhiObJg6jGDw2xbZg/join  All Damon Bruce Plus content is available on your favorite podcast platform: https://pod.link/1681177856.  #49ers #sanfrancisco49ers #nfl #bayareasports #georgekittle Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Stacy Rost stops by to discuss the biggest reason for the Mariners recent turnaround. Then, in Need to Know, we discuss the M's beginning their first series against Detroit since the ALDS, Mike Macdonald on the competition in the DB room, and the Hurricanes taking game 2 of the Stanley Cup Finals in OT. Plus, we take your calls, as we do every Friday.

C&R dive into A.J. Brown "being in heaven!" Is Brown's childhood Patriots picture real? DB brings up a great question about our sports gear pics as kids. They're ready for Stanley Cup & NBA Finals, Twins have a granny & callers from around the country weigh-in! The guys argue over kids being invited to weddings! Plus, 'LAST ONE STANDING' goes to OT on a technical foul!See omnystudio.com/listener for privacy information.

C&R dive into A.J. Brown "being in heaven!" Is Brown's childhood Patriots picture real? DB brings up a great question about our sports gear pics as kids. They're ready for Stanley Cup & NBA Finals, Twins have a granny & callers from around the country weigh-in!See omnystudio.com/listener for privacy information.

B.A.B....aka...Before Action Boyz there was....DB-w/BR!Episode 28!! Ben Rodgers joins The Dumbbells in The Weight Room. He is a super funny dude who wrote for Workaholics, performs improv and can be seen on TV from time to time. The group talks movies for a bit and then The DBs discover how Rodgers played sports growing up but was always the worst in his neighborhood. He also discusses how exercise helps his mental health and how he actually worked with a squat coach to improve his form. Last the group discusses HaloTop ice cream and gives an equipment recommendation.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.