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KINGS OF THE PODCAST
KOTP Ep. 251 - Early Roster Evaluations

KINGS OF THE PODCAST

Play Episode Listen Later Nov 6, 2025 53:39


Send us a textIt's early but not too early to evaluate the first month of LAK's season.Among the things DB and The Mayor discuss:A final look at the World SeriesHiller has a strong admiration for Joel Armia.Corey Perry's role in the LA Kings was unexpected.Brandt Clarke time-on-ice, a recurring themeThe (goal scoring) hole in the middleThe reuniting of Brian Dumoulin and Cody CeciYou can find us on X/Twitter at @kingsofthepod

ExplicitNovels
Christian College Sex Comedy: Part 27

ExplicitNovels

Play Episode Listen Later Nov 6, 2025


Christian College Sex Comedy: Part 27 Appreciation? In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels.             Children must face the scrutiny of their parents     The Dining Hall was almost a relief. That relief died the moment I saw the banner over the front of the serving area in the Hall. 'Zane Appreciation Day'. Since every word was spelled correctly, it wasn't some stunt of Rio's, but beyond that, the list of suspects was too large to consider. This could be a genuine outpouring of acceptance and sympathy for what I had endured here. If you believe that, I have to ask you: 'Do you want your leprechaun pissing Guinness or Irish Malt?'   Most likely, this was going to be some sort of humiliation, and I think I knew the flavor, and I definitely knew how to find out. See, in every seat of the Dining Hall was a big, bowling ball sized white box with a name and secured with a gold and green ribbon, so no cheating; no peeking. That last bit didn't deter me, though. I snuck up on the box marked for Holiday Carpenter.   "Zane, does that have your name on it?" Virginia Goodswell asked me, my English teacher and Spiritual Advisor. Hell, if it had been Mrs. Marlowe, I would have opened it anyway, but Virginia was my buddy so her next question didn't mean to stab a stake of regret through my heart. "Where is Vivian?"   "I left my room before she was done." I looked to the ground while I kicked some imaginary dust off the slate floor.   "Why don't you see if she's been calling you?" she suggested. "She's probably worried." Worried, or homicidal because, ya know, I had sort of run off without my phone, wallet, watch, book bag, or anything else a 21st century student might need.   "I ran away like a big, fat chicken," I confessed. "Anything not glued to my body I left behind."   "I'll give her a call." She pulled out her phone and hit speed dial #2. I crap since her sick mother is probably #1. I am such a big problem for her, she has my guardian on speed dial! "That is Holiday Carpenter's box, Zane, not yours. Besides, there are strict instructions to not open the boxes until instructed."   The panicky response I overheard from Virginia's conversation with Vivian hardly helped my mood. She wanted to know if Virginia knew where I was, she did; that I was okay, I was; and finally, what upset me, because the other girls weren't talking but apparently Mercy had started slapping Barbie Lynn around until Rio and Val pulled her off. Now, that made less than no sense. Wasn't that supposed to work the other way around?   Virginia did a double check and sure enough, Mercy had slammed Barbie Lynn into an open wardrobe on my behalf, and Rio and Val had pulled her back. WTF! I am sure that Rio was right beside me on that one. Vivian triple checked that I was physically and mentally okay and she sounded so disappointed, in herself, as she did so. She was bringing my stuff; yes, I am an earthworm. Virginia promised for me that I would remain here until she arrived.   Some stupid gesture like a loud public apology, done on bended knee, was blatantly unfair to Vivian, who only meant the best for me. I made a quick apology, not trying to meet her eyes as I said the words and took my stuff. All of 'my' girls seemed equally subdued. A minute after we had garnered our victuals, Vivian put a hand on my elbow.   "Don't be so hard on yourself, Zane," Vivian smiled warmly at me. "You take a lot of stress and pressure on yourself. I understand that from time to time you need to take in a tiny bit of private space for yourself. Clearly, you can't schedule any such time because nothing around you stays a secret for very long and no one respects your privacy or even asks what you need."   "Vivian," I was puzzled, "you deserve to be righteously pissed with me. You are my Guardian and I promised to stay by you or at least tell you where I was."   "Zane, we let you down," Vivian assured me. "It is your dorm room and we are your guests, and we have been rather poor guests at that."   "How about we call a truce?" I offer.   "I can live with that," Vivian smiled.   "Cut the Kumbaya-time, kids," Rio snorted derisively. "Zane, what the fuck happened with Mercy?" Rio playfully punched Mercy's arm to emphasize her uncertainty.   "Rio, Bro, drop it," I asked sincerely. "Act like it didn't happen." Rio studied me a second, then got this wickedly evil grin.   "What the hell are you talking about, Glenda?" she hefted the box up then shook it. "It seems my damn box is glued shut. Are we celebrating one thousand cunts licked by you, or what?"   Because Rio rarely expounded at a level below full volume, next thing we hear is Mrs. Marlow snapping, "Ms. Talon, watch your language; there are good Christian women being forced to sit within the sound of your voice!"   "Gotcha, Ms. Mouthful," Rio snapped off with a snap and a finger raised up like a pistol in the air.   "What did you say?" Marlowe closed the distance.   "She was repeating what I pointed out," I turned and smiled. "I said that you really had it going together this morning; that you were more than a mouthful. That's a hip/trending term to describe someone who is expressing themselves through clothing and make-up."   "You are lying, Mr. Braxton," she snarled.   "You are probably right, as I do so to you on general principle, but good luck proving it in student court," I grinned right back. We locked wills and she blinked first.   "Ms. Phillips," Marlowe turned on Vivian, "what are you going to do about this?"   "Zane and Rio, would you please apologize for being rude and insensitive to an educator who only wishes the best for the student body?" Vivian requested.   "I so apologize," I bowed my head.   "I so apologize as well," Rio tacked on. Only after Marlowe had gone to spread love and sunshine somewhere else did Rio lean across me and whisper to Vivian.   "You rock!" Rio giggled gleefully. After all, Rio and I had not apologized to Mrs. Marlowe because neither one of us believed for a minute that she was 'an educator who only wishes the best for the student body'. To that nameless entity, we owed a debt, and to Mrs. Marlow we owed a generous 'fuck you,' and Vivian had made it all possible.   "Why, thank you, Rio," Vivian nodded her acceptance of Rio's praise. "Jesus is the Peacemaker and we all should attempt to emulate his teachings."   "So, I still don't get to lick you senseless?" Rio snickered.   "No, no, you don't," Vivian smiled, even though she didn't look at either of us. Vivian's going to rock as a mom.   The next half hour passed quietly. Everyone was curious about the boxes but no one was too worried until a rumor suddenly appeared. When it was suggested that they might have to put on bikinis, the fear set in. I blamed, I don't know but I wish I had thought of it. I was still kicking myself for the missed opportunity when my alien with the right face black and left face white shows up with the right face white and left face black, Mhain and Millicent.   "Death Match and you get to referee," Rio teased me. "I'm so jealous; 500 bucks on the one with the soul." Mhain glared hate at us while Millicent looked more than amused.   "Zane, come with us," Mhain gloated. I figured that somehow my ordeal was coming to an end so I'd play along. I rose and they steered me to the largest exit, flanking me.   Christina and Company grabbed their boxes and jumped up quickly to follow me, though they looked as confused as I was, confirming none of them were the architect of my discomfort. No sooner had we stepped into the cool, sunlit lawn than everyone's phone rang, except mine. I was loving this, right up there with having sandpaper buffing my sunburned abs.   "Open the box and follow the instructions," Christina informed me. "Is anyone going to do this?" My phone vibrated once, then my whole body tingled before I could respond to the call.   "I am," Mhain gloated. "I was promised something." She knelt and opened her box with enthusiasm; the others did likewise but at a more sedate pace.   What came out of each box was almost identical, different only in the anatomical part of the body indicated by the instructions. The objects were all grapefruit-sized fur-balls that made darling little squeaks, squeals and murmurs, amongst other sympathetic noises, all in tiny little voices. They were to be placed on my body, but I didn't know how that would work.   "Are we going to do this?" Chastity began to say.   "It isn't sticky," Hope was also saying when Mhain's flew out of her hand and hit the side of my left knee. She reached out carefully to retrieve hers while the other girls circled in. The little darlings were proving to be resilient little bastards. Several more leapt at me from the hands of their owners.   All this time the furry grapefruit were giving little 'wee!' noises when they shot at me and screeched like demons when they were removed, which was painful when they were on my flesh. I knew who was responsible and she was going to pay, but not right now. I saw my closest allies pulling back.   "TLM, Christina," I sighed in resignation. "Let's get this over with." I was being totally self-sacrificial; girls were starting to pile-up on us coming out of the Dining Hall. I didn't want a riot. Mhain had technically tagged me first but not in the designated spot, so I had Christina go first, she put one over my heart, not that I thought Cordelia was stupid, but now she was just piling it on.   Mhain went next and she was sizzling and excited, she put it on my lips, shutting me up. At least the girls were polite and organized enough to come at me patiently. A few didn't get the 'memo' and their little rug rats slipped out of their owner's grasp and got to play gleeful kamikaze as they plowed into me.   It didn't hurt but I had this secret fear that the tiny terrors would sprout fangs and tear into me. These little guys were murmuring and mumbling and it wasn't until I was truly buried that a horrific realization was made, the more that were on me, the greater their clinging power. In retrospect, this would have been more useful if we hadn't passed the 700 mark.   I looked like a puffy, overweight, Sasquatch baby. I could move but sitting down was a dream, as was running or going to the bathroom. The damn things wouldn't shut up either. It fell to Hope and Iona to hurry me (as much as possible) to Assembly; you know that place where I 'sit' in front. At least no one could ask me anything with the expectation of receiving an answer.   I no longer wondered how bad it could get; I knew it would get worse, and while I didn't know how, I knew it would be soon. At the start of Assembly my little friends joined in the singing, not using words but in the tinny little noises they made, though admittedly they were enthusiastic and determined. But it gets worse.   There was a discussion on stage after that fiasco about removing me. Chancellor Bazz wanted me gone; Vice Chancellor Scarlett was not in attendance but Virginia took up my cause. After all, it wasn't my fault, she claimed.   "Well, Black, do something," the first three rows heard Bazz demand of our Head of Security.   "I am not an engineer or a chemist," Black replied. "Do you want me to shoot them off him?"   Oh, yeah, my girl Bazz wanted that, so bad. Of course, what she really wanted was for Black to miss, but that wasn't going to happen. Finally, the teachers decided to soldier on. When Chancellor Bazz stepped up to begin services, the frightening fur-balls belted out 'Hail to the Chief.'   No one said a word, not a murmur. Chancellor Bazz stopped and the munchkin chorus stopped too. Two more starts later and she gave up and grudgingly took the 'praise' from my infestation. They were good throughout the message and sermon but took up 'Hail to the Chief' when she tried to leave the podium.   "Do something!" she screamed at Black. This time, Gabrielle sedately headed my way. I didn't want to think of the pain coming my way. My little buddies had my back. When she got within five feet the all screamed, and I mean SCREAMED, in the loudest cacophony most of us present had ever heard. I saw something I thought I would never see; Gabrielle flinched.   Not so oddly, I was fine, hearing almost nothing. The little guys on my ears soaked up the sound so I received a very watered-down version of what they were doing. Gabrielle fell back and at the five foot mark, the little guys shut up, mostly. They seemed to be making comforting noises to one another, like one Zane-sized colony of brown mold.   "Get away from him; just get away from him," good old Doctor Melrose Bazz pleaded as she moved her hands away from her ears. "Braxton, you stop this right now." I had a wee beastie on my mouth and Bazz was not on the small list of people I would devour this thing for. If she's looking for a conversation today, she's out of luck. She throws her hands up in desperation and starts to storm off. My little cock-sucking furry gonads (yes, I was getting angry) fired up 'Hail to the Chief' yet again, and kept at it until she sat down. Virginia got to thinking it's appropriate to call for the end of this travesty but she's dealing with Cordelia Dresden, Top Gun of the Time Lord Mafia. The weapon of choice; 'She's a Lady' by some guy named Tom Jones, the ladies in my life will inform me about this later.   For a half a second she tries to fight her smile but she surrenders, even letting the little guys go through the entire score before talking. The little tinny voices were humming a song I didn't know but damn it, it made me want to take Virginia out to a smoky Jazz club and dance until the sun came up. Virginia actually started tapping her foot to rhythm and I began thinking I might not be able to beat Cordelia. I'm not used to that sensation.   "Okay, now, whoever is doing this has put Zane through enough and should remember that we should, as Christians, make students feel safe and not make them subjects of humiliation," Virginia addressed the student body. "I think we can end Assembly fifteen minutes early today for a little bit of Christian charity. We can do it at Zane's first class, 204 Denning Hall."   By the way, I apparently have a play list. As Virginia headed back, the fella's changed it up with 'Baby Got Back'. I wanted to die. Virginia Goodswell has a truly fine ass, of this there is no doubt, I often compare it to Barbie Lynn's, but please. Virginia stopped, turned toward me with a dazzling smile and waggled her finger at me, then resumed her way to her seat.   How is any of this my fault? I imagine I was lucky it wasn't the Thong Song. I would have died, then come back as the undead to take Cordelia to hell with me. It was with some relief that Vivian and Hope rallied to my side. They had to both keep other students away, the other girls loved poking me in different critters to make them call out in different pitches and tenors, which was pleasant to hear if you liked overdosing on helium.   Surprise, surprise; no one came to my succor before English class. I couldn't sit down. Okay, I tried, but any part of my body that bent or that I sat on screamed bloody murder until I got off of it or stopped putting on the press. I've heard about girlfriends like this but I've always assumed I would have the courage to jump out of a 50 story building to escape.   What do you do if they come with you when you jump besides basking in the vicarious thrill that comes from crushing half of them beneath you before you go? I managed to do okay standing in the rear of the class, only once giving in to the crushing fatigue of holding my arms somewhat elevated for two hours. The two under my arms were especially cooperative and didn't get too vocal when my arms did slip to my sides.   I couldn't do a thing about the occasional girl twisting in her seat but either Raven's glare or Goodswell's cough brought their eyes forward once more. At the end of class, Virginia decided to call Ms. Black and have her take me to the Vice Chancellor's office to end this matter. Vivian and Mercy provided support while Gabrielle kept her distance and cleared a path.   Rio helped out by playing my musical miscreants as if they were a drum set while some part of the 700 members of my new posse and I yelled at her to leave us alone. She really is my best friend. My tragically slow pace was not my friend and everyone had to depart for their classes before I finished the arduous travel to the Administration Building. Gabrielle's eyes measuring you for a casket is a remarkable motivator but didn't stop Rio from blowing a kiss to her "Mi Negro Naughtiness". I know, I know; one day, Rio is just going to vanish without a trace.   "Ms. Reveal, I need an emergency meeting with the Vice Chancellor," Ms. Black requested of Doctor Scarlett's personal assistant. Ms. Reveal didn't miss Gabrielle keeping her distance from me. She did make the call and I noticed the pictures of Ms. Mittens were still in evidence.   "Who are you inside that suit?" Ms. Reveal asked me.   I guess she assumed I wasn't a real baby Sasquatch; I was really a baby Sasquatch disguised as a half-baked marshmallow. If three geeks and a man working beneath his means jump out at me with proton-packs, I am running for my life, which is to say 'I'm going to die.'   "This is Zane. He is not being rude, he can't speak," Ms. Black was kind enough to cover for me.   "Oh, I understand," Ms. Reveal nodded, but in such a way that expressed she didn't understand anything. "You two can go in now," she said several awkward seconds later.   "Zane, you move as close to Ms. Reveal's desk as you can while I get the door for you," Gabrielle instructed me. "Come in when I call for you."   I'm sure Marisol Reveal was curious as to why Gabrielle was dancing around me, trying to keep her distance. We almost made it; right as she made it to the doorway, Doctor Scarlett opened the door and attempted to see what the delay was. She was actually putting an award on a shelf she had just received, the reason she missed Assembly, if you find that suspicious, and was placing it on a shelf near the door.   Gabrielle responded as any slightly unbalanced killer would do; she spun around, pulled out her gun from the unseen Realm of the Gods of War, and pointed it at the stunned Victoria. That took her one half-step too close to me and my little fellas let the world know it. I will give them this much; they were still defending my eardrums.   By the way Marisol was holding her ears as her tears flowed down her face it must have been pure agony for her since I was right next to her. Gabrielle scoped up Victoria and sprinted into her office and they obediently shut up.   "Za-, Zane, what was that?" Marisol blathered. Since the furry meatball gone bad was still on my lips and I hadn't become that hungry, I kept my silence.   "Zane!" Gabrielle called for me. I did my best to shrug but it wasn't like I had a neck anymore so I don't know what she made of my movement. I shuffled to the door and got a few good squeaks as I moved inside. I was more than a little disturbed by the reaction I received from Doctor Scarlett when she saw me from her seat behind her desk. She looked at me and I swear, hand to my heart, she had an orgasm.   "You are covered in Tribbles," she gasped. I had no fucking clue what a Tribble is but apparently, I was in the vast minority. I staggered forward and since Gabrielle was on the right side of the room, I angled to the left. I move halfway around Doctor Scarlett's desk so that Gabrielle could go close the door, where she took up post and, from what happened next engaged a Romulan Cloaking Device, whatever the Muggle-tech that is.   Victoria was in some sort of dream-like trance. When she started stumbling around the desk toward me, I waited for the musical assault that never came. To my credit, I caught on in a second. If these creatures existed, singing wasn't their normal activity, and Cordelia wanted these little 'Squeaky Meals' to be as real as possible, for Victoria. I was nothing but bait.   Victoria reached out to caress the same one Christina had placed over my heart. The little bugger cooed and Victoria clamped her thighs together to contain another orgasm that coursed through her loins. Cool, all I have to do to feel the wonders of Victoria Scarlett is dress myself in furry grapefruit. I'm kicking myself for not seeing this obvious ploy.   She touches more and each makes a subtly different purr of pleasure. This goes on and on until she's cuddled up against me, her arms stroking over my back and rubbing her left leg up and down mine.   "Vice Chancellor, you do realize Zane Braxton is TRAPPED inside those, contraptions," Gabrielle sounds the slightest bit peeved.   The troops all make those little high-pitched notes of longing as Victoria retreats a few steps, bringing Victoria almost to the point where she launches herself back into me to comfort her little friends. I am second fiddle to a discombobulated guinea pig; sometimes a man can feel pretty small.   "Okay. How did this happen to you, Zane?" Victoria asked.   "He cannot talk; one of those Tribbles is attached to his lips," Black stated, "by an unknown force. Before you ask; I am not an engineer or chemist." Victoria made this adorable little 'o' expression, then reached for an offending Tribble.   "It hurts him to remove them," Gabrielle got out just in time.   "Does it hurt the Tribble?" Victoria inquired. Gee, thanks, Vic.   "Hold your ears," Gabrielle commanded. Well, I couldn't comply, and Victoria had only started to scream 'stop' when Gabrielle materialized a knife and speared 'Diddley-boo' off my shoulder.   I heard the little guy's death wail, then his death rattle, as Gabrielle pulled him/her away until she was out of screaming range. Diddley-boo? No, I have no idea what his/her name really was but I'm going to have ICE check his immigration status when all of this is over, wait, I can't do that; Gabrielle wacked the little snot and giving her up to the Feds is a great way to create many widows and orphans. Diddley-boo was still twitching erratically while Victoria was stuck between ecstasy and horror.   "You are a Klingon agent!" Victoria gasped as she pointed an accusatory finger at Gabrielle. I am vaguely aware that they are the stock-villains of Star Trek Universe and this odd snapshot of rightly tight, athletic buns in tighter pants, but the reference memory for the scene escapes me. By the facial reaction Gabrielle gives, Victoria just called candy sweet, or jalapenos hot; she appreciates the comparison.   All the surviving members of the Tribble tribe wept a cacophony of pain and loss. I would have had more sympathy if their moans had not been vibrating my body like a jello mold.   "Romulan," Gabrielle countered; the other stock Trekkie villains, but they have better teeth. First amongst our Honored Dead, DB hardly quivers as Ms. Black dissects it.   It bleeds/oozes and appears to be a living organism of some kind, but Gabrielle points to several electronic devices, a CPU, and wires connecting all kinds of things inside the organic body.   "It is an organic husk over a sensory/auditory device," Gabrielle tried to explain.   "Oh, my God," Victoria's mind worked feverish to defy reality, "they've been turned into Borgs."   She tore the one attached to my lips off. I didn't cry like a televangelist publicly begging God for forgiveness for a moment, or 147 moments, of weakness with a rather sad-looking prostitute, but that was coming.   You see, Victoria gripped her weeping diminutive fuzzy engine of humiliation tightly when she yanked it off, so she let go of it because the little blighter sounded hurt.   It gave off a more muted and mournful 'wee' as it smacked into the corner of my mouth. I was able to dodge a direct hit.   "Scarlett," Gabrielle seethed, "if, you, would, listen, for, a, moment; they are painful to be removed from his flesh and they will attempt to reattach themselves to him if they are brought within one foot. I have no idea why."   "Zane, are you in much pain?" Doctor Scarlett inquired while scanning my body fungi.   "Yes, but I'm sure if you kick me in the nuts, I'll feel better," I mumbled through a joke.   "I can't do that," Victoria gasped. "You have Tribbles down there." Yes, I feel special.   "That's it," Gabrielle snapped. "I'm going to get help." She spun around and breezed out the door, slamming it in her wake.   "Thanks for abandoning me, Gabby," I shouted as loud as I was able. "It's not like Vic's totally lost her mind or anything like that."   "I have not lost my mind," Victoria responded with a deceptively calm, soothing tone. She reinforced my calm by locking the door, then locking in the deadbolt, yes, I felt much safer.   My merry band of orphan coconuts helped things along the cliffs of sanity by cooing and 'talking' to Victoria as she walked around the office, and she gaily responded to them.   "Ms. Reveal, this is going to be a difficult intervention. Inform me when lunch time gets here," Victoria communicated to her assistant, then added, "I need a box of outdoor trash bags; leave them at the door."   Having a hot lady like Victoria Scarlett lock the door and asking for almost 3 hours of 'alone' time with me is a mature pipe dream of mine, and that dream really meets a bloody end when she asks for roughly 30 bags with a fifty-gallon capacity each. If she pulls out a hacksaw or a 'cow-stunner,' I'm racing for the window behind the Doc's desk. I'll be gone in 90 seconds, sort of like an inexpensive microwave dinner.   Doctor Scarlett returned to her desk, turned her spy-cam around, and started making calls. I honestly maintained a miniscule hope that she might still help me. She was talking curtly to another doctor whose name I didn't recognize. What came out of her mouth next sounded like a combination of eating raw meat all your life and gargling with sand regularly; add to that an inflection of someone wanting to kick elementary kids into the paths of oncoming busses and you had the language she was using.   Victoria's stance even changed. She thrust out her chest, put her hands on her hips, and a predatory sneer took up permanent residency on her lips. She even beat on her desk hard during this little exchange before laughing in a way that made kittens piss on themselves before you hung them.   "Vice Chancellor, Doctor Victoria Scarlett, umm, what's going on?" I said careful.   I'm not so much terrified of Victoria at this point, as I am suspicious of my ability to fight at the moment.   "Everything is fine, Zane," Victoria assured me. "In essence, I am bringing in some experts in the field. You can trust me on this; we've been expecting contact like this for years." Huh?   "So, ah, that was an Albanian Biologist?" I hoped.   "No, that was Vor' Dura, Flight Leader of the Blood Quasar Fleet of the Klingon Empire," Victoria explained sedately, in the same way any SANE individual described a Navy Commander. She turned her computer screen so I could see the person's profile pic.   "How does she breathe in that thing?" I wondered. "That's one hell of a corset."   "That isn't a corset, Zane, its body armor. My suit was created by the same armorer," she stated.   "You have something like that?" I boggled.   "Yes, the precise same suit. Vor' Dura is not as blessed by her bloodlines, she's shorter, but otherwise, we are identical; our alliance ended recently and soon she must face me in ritual combat; yield or die." 'Yield or die' isn't what is centermost in my mind.   "Don't your boobs ever pop out of that thing?" Because if you have been paying any attention; I am an idiot where sex is even a remote possibility. Victoria can't meet my gaze but turns as red as her namesake.   "On a few occasions," she confessed. I'm thinking 'a few'. "Now I have a few more calls to make."   Yes, she's lost her ever-loving mind, and I have no reasonable expectation of exit or rescue. I won't be able to get up enough speed to bust out of the window so being on the first floor is meaningless. She has the deadbolt key and when I stack up my Tribbles against her Science Fiction fanaticism, I lose. She turns the monitor around and makes her next call. This one starts with the victory salute, but the one done with two fingers to each side.   "Excellent news," Vicky declares. "We have confirmation of the temporal events from Deep Space Nine. I have compelling data that I have encountered genetic derivatives of the dominant herbivorous life forms of Iota Geminorum IV." And everything went to turkey-based insanity after that. Again, they spoke rapidly in a language I knew nothing about. They acted like giddy little schoolgirls, just schoolgirls with their emotions surgically removed.   The final call went much same way except that this time, the tone of the language was like the second but with the taint of a sleazy pimp or grifter thinking she was a mob boss. These were the kinds of girls you never let babysit your kids if you ever wanted to see them again. The way Vic looked at me and the fellas made me worry about how long I could last in her brothel and inspired an unexpected sympathy for these pests.   "Zane, do you promise to stay here while I, umm, get some, umm outfits?" Victoria requests respectfully. She realizes she's asking me a bizarre favor. Balthazar's Balls, I've been tied to a cross; how much worse can this be? She scoots up to me, kisses me chastely on the lips and waits.   "It is a given that my morning class schedule is toast, and I'm no stranger to the entertainment industry so knock yourself out," I allow, but I will have to pee at some time."   "Check; I'll stop by the infirmary and get a catheter," she nods, then she kisses me lightly on the lips once more. "Thank you for this, Zane."   She's off like a shot but is careful enough to get the deadbolt on the way out. Since I doubt Ms. Reveal can get a fire-axe through the door if the building catches fire, my buddies and I really are going to experience total protonic reversal on a life-ending scale. Only now does it occur to me that these fuzzy navels might have toxic side effects.   I'm waiting around for God-knows how long when I hear some muffled noises, more muffled than having a Tribble in my ear.   Scratch, scratch, "Girl, you get away from that door," Ms. Reveal shouted (I guess).   "Quick, Mercy, hold her back," Rio shouted in response. "This deadbolt is a bitch."   A scuffle ensued and I tried to shout loud enough to call Rio off when I heard two rapid-fire thumps.   "Thank you, Ms. Black," Marisol Reveal huffed. Mercy had put up quite a fight, I guessed. "I will formally press charges when the Vice Chancellor returns."   "You will go and sit your ass behind your desk, you incompetent buffoon," Black snapped. "I will deal with this and if you bother me again today, or mention this incident to Scarlett, I swear you will never see your cat again; and if you don't hop-to in the next six seconds, I'll make an audio recording of me strangling that shit-dumper and play it by your bedroom window every night until you go mad. Do I make myself clear?"   "Ugh," is all I make out, but I hear Marisol's chair squeak soon after. The sound of a body, or bodies, being drug off faded away as Black left the office and headed down the hall. Hell, I warned Marisol. I can't do anything for Rio right now and I don't have too long to ruminate.   "Marisol, are you okay?" I hear Victoria ask her assistant. It is a testament to their bond that even the hysterical Doctor doesn't miss her friend's distress.   "Sorry, Victoria, I'm a bit, umm, heart-sick is all," Marisol murmurs. "Don't you worry about it."   "Well, when you want to talk about it, let me know," Victoria stated. Marisol must have nodded because no words were spoken and Victoria came in with two carry-on bags and three dress bags while kicking the trash bag box ahead of her. Happy fun time was about to begin.   "Sorry for the wait, Zane," Victoria told me.   "Doctor," I made a desperate Hail Mary plea for reason, "you are a highly respected educator. We really need to take a step back and re-examine what's going on here."   "Zane, this is my first teaching job ever," she related as she checked on the progress of her 'Trekkie' Posse.   "My doctorate is in Philosophy; my Master's Degrees are in Comparative Religions and Women's Studies," she informed me. "All my graduate work was done as a researcher. I've never had a student." I blink dumbly at her; and here I thought my opinion of the Board of Directors couldn't get worse.   Victoria goes over the language dance with her friends, switching fluidly from tongue to tongue in a manner that impresses and even fascinates me; and I've been to Bangkok where if you are trying to buy and/or sell anything and don't speak at least ten different languages or dialects, you might as well hand them your wallet or purse and go home. "Who do we need?" Vic said in English (just making sure everyone knows that the Tribbles aren't suddenly translating for me).   "Kar'Thon," Vor' Dura states eagerly; "This matter is a racial imperative."   "Are you sure the young man is old enough?" The second woman inquired. "Jarrod went all obsessive last time a boy crossed our path. We almost sent the kid to college."   "That's what you get for marrying a Ferengi," Dura snidely remarked, and the rest laughed along with it; meanwhile, I'm going 'a what?'   Some infighting goes on until Victoria and 'I married a Ferengi' call for peace, then babble a little more. Then the name 'Zane Braxton' comes up and I'm not sure I'm happy or sad that only one of them replies in what was clearly elation and surprise, the sleazy one knows of me.   "Zane, I need to surgically remove some of the alien organisms," Victoria tells me.   "It is going to sting like hell," I mutter, to which Vor' Dura says something and sleazy girl laughs. I do not like where this is going at all. On the bright side, Victoria doesn't rip one off of me right away; she goes over to one of the dress bags and opens it up.   She's pulling out bondage gear, oops, my bad; she's getting ready to put on Klingon body armor. I have lost all preconceptions of what I was dealing with once Scarlett began stripping in front of me. She even gave me an appreciative smile and I was the one who was doing the appreciating! The little fuckers started going off. Remember, they don't like being moved and I was moving some around at the moment.   No, my legs and arms were perfectly still but my crotch was striking up a chorus, its Handel's Messiah. There was this 'still' moment where Victoria stopped opening her blouse and the three strangers regarding me through the webcam became mute; then the laughter began. Victoria resumed her stripping but she couldn't stop smiling and snickering slightly.   The three, the Klingon uber-cook or whatever she was and her two unknown accomplices, were laughing so hard they could barely communicate. It got better; when I was fully aroused and stopped moving around my pants, they didn't shut up and I was suddenly, desperately searching my mind to know how long that song was.   This was because Vic got down to her, Oh, fuck, this white thong, and calling it white is generous as it looks like someone stole an under-achieving spider's web and gently placed it over her crotch, and I know my hard-on was not going anywhere but into something before it went away.   Victoria was working her make-up on when two of the voices got themselves together enough to ask something. Vic looked up at the web-cam, over to me, then said a few sentences.   "So, which one of you likes your ankles placed behind your ears?" I politely asked in Thai.   "What was that, Brax' Zane?" Victoria asked.   "I'm curious if I can take your virginity with my tongue?" I continued in Thai.   "I cannot understand you," Victoria said again. "What are, ah, "   "I think we should engage the Federation citizen in the Galactic Basic," the second voice requested of the room. The third voice, the sleaze, said one more then in her native tongue, then the second voice, and Victoria jumped on her.   "I said, 'I think the native is getting restless'," sleazy girl grudgingly repeated. "Now, I think we should see if our plan 1.0 can be implemented."   "Before the scourges make themselves hoarse shrilling out the hellish noise or I lose patience, transport over there, and kill them myself," Dura growled playfully. I'm glad someone else was having fun. Victoria walked up and took a deep breath, which caused her well-disciplined, thirty-ish breasts to bounce tantalizingly close. Her look was desperately fearful yet almost childlike too.   "Kar'Thon, I desperately require your assistance before these creatures drive me mad," I tried to sound masculine yet pleading. On the computer screen, Dura quickly slammed her right fist to her right shoulder; I was later to learn that was a salute.   "This is no way for a Starfleet cadet to die," Victoria beamed at me, "even if I know I must someday slaughter you in battle." Whoa, I've never considered NASA as a career choice.   Maybe Klingon bondage gear/standard uniform could change my mind. The first person to tell me university life is boring I will punt to the Moon.   "I am T'Luminareth of the Vulcan Science Academy and Reserve member of the Starfleet Exploration Corps here," the second voice spoke up. I caught sight of a picture of her with this, troll? Or maybe a dwarf with the worst case of cauliflower ear ever. "I would like to assure you that every logical effort is being put forth on your behalf."   "Is that right, Tight Luminescence? Is it going to kill you to show a fellow sentient an ounce of compassion when you know he is about to suffer a fatal toxic shock from prolonged exposure to these vermin?" the third girl snarkily interjected into the conversation. "I'm Hical Cretak, Romulan freebooter and purveyor of ancient, exotic, and misunderstood goods."   "You are a thief, and since you aren't in some asteroid prison, you must be an above average one," I said to the Romulan. "I confess that I am a bit happier to see a member of the Vulcan Science Academy since, well, I'm suffering a splintered memory. Some things make perfect sense but large details are simply missing." I figured I could provide Victoria some good game.   She began rubbing my crotch and there was an effect alright, two in fact. The simple and expectant one was my trouser titan trying to unchain itself so it could get revenge on all of Victoria's orifices for taunting him so. My torturous tiny titmice began belting 'Let's get it on' by Marvin Gaye. I think as an infant, I had a mobile playing this song in my crib.   I started to really admire T'Luminareth's acting ability because she alone kept it together. Victoria made larger and larger circles over my crotch up to my beltline while Dura and Hical lost it hysterically.   "Pssst," I murmured to Victoria. She looked at me and I darted my eyes toward her makeup kit and clothes. I am getting more clothes on her, why?   Besides, I'd gotten a better look at her suit and it didn't have a butt-zipper that said 'Come Get Some,' but those pants rolled down like a candy wrapper and that 'body armor' has a back flap. I'd have to get Rio a set and I doubted Victoria would deny me her armorer's number. I was definitely looking into getting Mercy a matching Orion Slave Girl outfit, and here people don't think I make constructive use of my time.   I was sure Victoria/Kar'Thon was breaking speed records to get herself ready while the other ladies began talking to me about a whole universe that was brand new to me. Getting three different and very conflicting versions of the rise of the Human-dominated Federation of Planets was amusing.   Out of the blue, T'Luminareth decided she was going to create a team to rapidly move to my planet and take me back for further study. Vor' Dora countered that and Hical gleefully sought out salvage rights for the wreckage of the two expeditions.   "That might not be possible," I intervened. "Some of what you've told me has fused some memories together." They all fell silent.   "At Starfleet Academy, an Engineering Team and a select group of cadets," I continued to fantasize, "were directed to work on a, phased ionic drive." Ion drive was 'old' tech, or so Hical had let slip. "The drive failed catastrophically and we couldn't save the impulse drive, power was failing, we couldn't transport. The phased ionic drive detonated in the planet's atmosphere, creating a trans-harmonic disruption. I don't know if there were other survivors of our vessel. I saw another vessel either investigating our explosion or attempting a rescue but they burned up on their approach," I looked pained. "I don't think I could communicate with them and the only survivor I could locate was Kar'Thon."   "Only a combination of our two vessels' technology has been able to punch a hole through the disruption and I'm not sure how long this effect will last." I now sounded grim but determined. "We probably need three things: We need to know if there were any special modifications to the Klingon Scout vessel because I don't think it was a standard model to get so close to an experimental Federation vessel."   "Secondly, someone needs to pry out of Starfleet the precise specifications of that vessel, and that's definitely not me," I confessed. "Finally, we need to find a way to fuse those two designs together because if Tribbles are already being affected by an increased magnetic field, how much longer do we have before even the planet's magnetic field collapses totally and we fry (a SciFi movie plot, thank you)."   Once more, there was silence and I was afraid I'd stepped way beyond my bounds. Only when I took in the masked facial expressions of Kar'Thon did I realize I'd done well. I was hit with the realization I was a word and a whisper away from having sex with her, she was so pleased with me.   "I have friends at Starfleet Academy and they might be able to shed a light on what their cadets were up to," T'Luminareth stated serenely, but I could see a fire in her eyes. "I will research into every work published on Phased Ionic Drives, and we may be forced to work on a theory of what went wrong in case Starfleet is not forthcoming."   "Not that I admit that the Klingon Empire ever had any such vessel operating in the area, Vor' Dura got out before Hical Cretak interrupted.   "You have an officer on the damn planet, you cowardly idiot," mocked Hical.   "I am a deserter," Kar'Thon declared. "I would say I was a 'scum of the Orion Colonies' but I found that you already claimed that title," she aimed at Hical.   "You must die, you traitorous dog," Dura jumped on the offered plum. Thon/Victoria wasn't a deserter but she was ready to take one for the team, so to speak. "The Klingon Empire cannot allow your stain on our honor to exist. Now that we finally have you pinned down, we are coming to end you once and for all, and if the Federation insists on harboring a traitor (we were theoretically in Federation space) then,   "I owe you a death, Vor' Dura," Thon seethed; "your death."   "You may not enter Federation space," T'Luminareth insisted.   "Before you two go to war, again, why don't you let me go in," Hical mediated. "I'm a free trader and have been to both Federation and Klingon planets."   "You are a spy," Vor' Dura growled.   "Being a successful agent doesn't make you any less of spy for your Romulan Senate," T'Luminareth seemed almost furious.   "Unfounded rumors started by my, Hical almost finished before the Tribbles screamed. Not as loud as they had for Ms. Black, but they now didn't like Thon around either, now that Victoria was a Klingon. Cordelia scares me; this time Hical had the little 'hiccup'.   "This is going to be fun," she chuckled, barely above a whisper.   "I will get these vermin no matter how much they hurt the frail human," Kar'Thon snarled, but Victoria's eyes blazed with fanatic amusement. I was mildly curious if she could even respond to her true name but decided not to test that. She pulled out a rather wicked looking knife that I had to double-take to make sure it was plastic.   The conversation went on around us as fictitious bits of data collided with innuendo, falsehoods, threats, and lies. This was roleplaying by some actors who took it as

Sex Ed with DB
Cutting Edge Pleasure Research for Queer Black Women with Dr. Shemeka Thorpe

Sex Ed with DB

Play Episode Listen Later Nov 5, 2025 45:26


Black folks are often left out of research studies. Queer people are often left out of research studies. Women are often left out of research studies. So if you're a Black queer woman, there's hardly any research about your specific needs, struggles, and pleasure -- and that's where our guest, Dr. Shemeka Thorpe, comes in! We're kicking off our second Pleasure season by diving into #HotGirlScience, intersectionality, and Dr. Thorpe's incredible research all about Black Queer women. ABOUT OUR GUESTDr. Shemeka Thorpe (she/her) is an award-winning sexuality educator, researcher, and international speaker. She is an Assistant Professor of Health Promotion at the University of Kentucky, where her groundbreaking research focuses on the sexual well-being of Black women through sex-positive frameworks and Black feminisms. She can be found on Instagram @drshemeka, Facebook, and at her personal website www.drshemeka.com. ABOUT SEASON 13 Season 13 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. CONNECT WITH USInstagram: @sexedwithdbpodcast TikTok: @sexedwithdbThreads: @sexedwithdbpodcast X: @sexedwithdbYouTube: Sex Ed with DB SEX ED WITH DB SEASON 13 SPONSORS Uberlube, Magic Wand, and LELO. Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW 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. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 13 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Producer and Growth Marketing Manager: Wil Williams (they/them) Social Media Content Creator: 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!

The North Shore Drive
Steelers trade deadline reaction: Did Omar Khan fumble it by not adding Jakobi Meyers? Another DB?

The North Shore Drive

Play Episode Listen Later Nov 5, 2025 30:16


On the Wednesday episode of the North Shore Drive podcast, presented by FanDuel and Edgar Snyder & Associates, host Adam Bittner welcomes Post-Gazette Steelers insider Christopher Carter to react to the team's lack of moves at the NFL trade deadline. How good is GM Omar Khan and coach Mike Tomlin's roster as constituted? Can it win a playoff game? Beat top teams like Patrick Mahomes and the Chiefs? Josh Allen and the Bills? Lamar Jackson and the Ravens? Should Khan have been more aggressive in adding a wide receiver for Aaron Rodgers to supplement DK Metcalf, Calvin Austin III, Roman Wilson, Jonnu Smith, Darnell Washington and Pat Freiermuth? Or was the price for a guy like Jakobi Meyers too high for a team in the Steelers' position? And would it have been nice to add a DB to help Jalen Ramsey, Darius Slay Jr., Kyle Dugger and Joey Porter Jr. amid the secondary's intermittent struggles? Our duo tackles those questions, plus NFL draft options now that we know the team could have up to a dozen picks this coming spring. Should they try to build a deeper roster around names like Ohio Stat3e stars Carnell Tate or Caleb Downs? Or should they sell out to grab a QB like Alabama's Ty Simpson, Oregon's Dante Moore or Indiana's Fernando Mendoza? Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lez Hang Out | A Lesbian Podcast
SBG 155: Never Been Kissed with Danielle Bezalel

Lez Hang Out | A Lesbian Podcast

Play Episode Listen Later Nov 4, 2025 67:30


Join our Patreon to unlock 25+ full-length bonus episodes (next up is My Old Ass), ad-free weekly episodes, mp3 downloads of our original songs, exclusive Discord access, and more! Supporting us on Patreon is the absolute best way to help our little indie team keep the mics on.  Welcome back to Lez Hang Out, the podcast that is gonna party like it's 1999!  This week, Leigh (@lshfoster) hosts solo and hangs out with Danielle Bezalel, host of the Sex Ed with DB podcast (@sexedwithdbpodcast), your go-to podcast for smart, science-backed sex education. Together they take a nostalgic trip down memory lane to the late 90s to talk about why the 1999 romcom Never Been Kissed Should've Been Gay. If you're a younger gay, you may not have seen this 90s classic; but we bet you'll recognize the major names in the cast. We're talking Drew Barrymore, David Arquette, Molly Shannon, Octavia Spencer, and freaking Jessica Alba all in the same movie. If that doesn't convince you to watch it at least one dozen times, we don't know what will. The plot follows Josie, a journalist going undercover at a high school for a story, as she experiences being retraumatized by the popular girls, falling in love with her teacher, and competing for prom queen.  As much as we genuinely adore this movie, it is impossible not to talk about the ocean of reasons why Never Been Kissed is not the wholesome, family-friendly movie it was marketed as and is instead highly problematic. We get that Josie is 25 and only pretending to be a high schooler for the sake of her journalism career; but her teacher does not know that and has no reason to think she isn't a 17 year old student. Yet, they are the main romance that the audience is very much supposed to be rooting for. Thankfully, we have our gay glasses on and with a few little changes to the script we can see our path to a much less problematic, and much, much queerer movie. After all, there's something pretty queer already about a 25 year old woman who has never had a romantic kiss or felt sparks from any guy. The school-sized closet Josie is hiding out in is truly made of glass.  We know one thing for sure, Never Been Kissed Should've Been Gay. Give us your own answers to our Q & Gay on Instagram and follow along on Facebook, TikTok, and BlueSky @lezhangoutpod. Email us @lezhangoutpod@gmail.com. Connect with us individually: Ellie Brigida (@elliebrigida). Leigh Holmes Foster (@lshfoster). You can also support the show by getting an early start on holigay shopping at bit.ly/lezmerch & picking up Lez-ssentials songs on Bandcamp. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sex Ed with DB
SEX ED WITH DB SEASON 13 TRAILER: EVEN MORE PLEASURE!

Sex Ed with DB

Play Episode Listen Later Nov 4, 2025 1:08


You all loved Season 12 so much, we're running it back -- and bringing you EVEN MORE PLEASURE! This season we're covering everything you want to know about pleasure, orgasms, sex cults, BDSM, and so much more. I'm talking to some of the top experts in the field, and answering your most pressing questions about sex, intimacy, and pleasure. Season 13 of Sex Ed with DB starts November 5th, 2025 and episodes air every Wednesday! Got questions about sex you've been too nervous to ask? Ask your question here: https://forms.gle/fyrpAxkSTtL7NpQp7. We've got real answers from top experts in the field. Subscribe now so you never miss an episode: https://pod.link/1286811573. New episodes drop every Wednesday starting November 5th. Share this trailer with a friend who deserves more pleasure in their life! This is your invitation to embrace pleasure whenever your can.

South Florida High School Sports Radio
11-03-25 (Full Ep) South Florida High School Sports Show

South Florida High School Sports Radio

Play Episode Listen Later Nov 4, 2025 95:02


On this week episode Larry Blustein talks to: Coach Tim Wood, Miami Coral Reef Dan LaForest, Influencer Council Justice Fitzpatrick, DB, Fort Lauderdale St. Thomas Aquinas Geo Millian, Miami Hurricane Football Brandon Kornblue, Kornblue Kicking Coach Mike Norman, University School, 305-962-5367

The North Shore Drive
Paul Zeise Live: Should Steelers' Omar Khan, Mike Tomlin be AGGRESSIVE with trades after signature Colts win?

The North Shore Drive

Play Episode Listen Later Nov 3, 2025 30:23


Live around 5 p.m., Post-Gazette sports columnist Paul Zeise ponders the Steelers' options ahead of the NFL trade deadline Tuesday. This show is presented by FanDuel. Should GM Omar Khan and coach Mike Tomlin be aggressive in making moves after their team took down one of the NFL's best in Week 9 against the Indianapolis Colts? Should they look to give QB Aaron Rodgers another weapon alongside DK Metcalf, Roman Wilson, Calvin Austin III, Pat Freiermuth, Jonnu Smith or Darnell Washington? Or would another pass catcher not receive enough targets in OC Arthur Smith's offense to be worthwhile? And does this defense still need another DB next to Jalen Ramsey, Kyle Dugger, Darius Slay Jr. and Joey Porter Jr.? Or did the win against the Colts ease concern about the secondary? Paul tackles those questions and more. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Missing Persons Mysteries
MYSTERIES UNSOLVED: D.B. Cooper, The Zodiac Killer, and the Yuba County 5

Missing Persons Mysteries

Play Episode Listen Later Nov 3, 2025 117:42 Transcription Available


MYSTERIES UNSOLVED: D.B. Cooper, The Zodiac Killer, and the Yuba County 5 - In this episode, Steve welcomes author Drew Beeson to discuss his books about D.B. Cooper, the Zodiac Killer, and the Yuba County 5. Find Drew online: https://drewbeesonbooks.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/missing-persons-mysteries--5624803/support.

130dB Metal Podcasts
De Loodzware Jongens: DEAD HEAD & OSIRIS | Robbie & Rene

130dB Metal Podcasts

Play Episode Listen Later Nov 1, 2025 174:23


Jawel, dit keer hadden we eigenlijk twee bands te gast… of beter gezegd: twee vertegenwoordigers van pure Kampense metalgeschiedenis — René Bronwasser (Osiris) en Robbie Woning (DeadHead)! Ze kwamen niet met lege handen: een stapel historische foto's (waar we door alle herrie natuurlijk geen tijd meer voor hadden — maar ze moesten gewoon gepost worden), én een lading goodies die we op 4 november gaan verloten in dB's tijdens ons feestje. Dus stay tuned! Er werd flink teruggeblikt op decennia Nederlandse metal, maar ook vooruitgekeken — bijvoorbeeld onze mini-vacaturehoek zorgde ervoor dat René spontaan een open sollicitatie deed: “Ik zoek een band, maar alleen als er veel live gespeeld wordt!” Natuurlijk kwam ook Aardschok voorbij, waar Robbie al jaren zijn metalen pen laat spreken. Ricks galopje kwam deze week uit België (één van de beste bands die dat land rijk is), Rutger had z'n ballen weer bij zich, Ernst stelde de prangende vragen en Sid… tja, Sidney Simon als vanouds escaleerde weer volledig in zijn concertagenda. Kortom: het was weer leuk, fijn, onrustig en vooral HARD.

Nằm nghe đọc truyện - Hathaya Audio
Chill chill ngày 28.10 part 2

Nằm nghe đọc truyện - Hathaya Audio

Play Episode Listen Later Oct 30, 2025 56:00


Khi nghe đến đoạn cuối có thể bạn sẽ thấy hơi đường đột, hơi bất ngờ đúng không :)) Thực tế ở ngoài cuộc sống luôn có những cuộc gặp mà chẳng kịp nói lời chào như vậy đó. Vậy nên ta hãy trân trọng nhau khi còn có thể nhé, sống thật thà thẳng thớmMình không muốn nói là do mình không để ý thời lượng nên live tự tắt đâu :DBởi vậy lần gặp nào cũng là lần quý giá nhất, vì lời chào kết cũng chẳng quan trọng nếu ta còn gặp lại

LGIM Talks
384: Buyout 2.0: Back to basics

LGIM Talks

Play Episode Listen Later Oct 30, 2025 13:19


Our Head of Solutions Distribution joins the podcast to share our latest endgame thinking for DB schemes. It won't have escaped DB clients' attention that there's recently been significant talk of surplus extraction. However, we strongly believe it's important not to lose sight of the reason we're here in the first place: to help schemes meet their core fiduciary duty to pay all members' pensions as they fall due, with a buy-in or buyout usually seen as the gold standard objective for many trustees. To discuss all this and more, our Head of Solutions Distribution, Lara Edmonstone-West, gets behind the microphone. This podcast was recorded on 22 October 2025. All data points sourced from the PPF and L&G. For professional investors only. Capital at risk.

The Meaningful Money Personal Finance Podcast
Listener Questions Episode 31

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Oct 29, 2025 44:24


A couple of questions this week about having too big a pension fund, plus a great question on platform choice where Rog and Pete discuss their own experiences. Shownotes: https://meaningfulmoney.tv/QA31 01:58 Question 1 Hi, really enjoying the podcast. Started by watching your YouTube videos and still like getting the notifications of your new content. I have a question regarding early retirement, before pensions are available. I'm 50 and my wife is 52 and we would like to retire now. We have a mix of DB and DC pensions that will be sufficient for our retirement. She can start taking her pensions at 55 and I'll start at 57. We have a savings pot outside of pensions of £700k in a mixture of investment funds (ISA being maxed yearly) that we would like to live on between now and our pensions becoming available. Based on £5000 per month to live on, we would need to withdraw £60000 in year 1, year 2 and year 3. After that, we would need to withdraw £32500 in year 4, year 5, year 6 and year 7. Based on these figures and your experience of the expected interest we should gain over the period if our pot is sensibly invested, what are your thoughts on how low the pot will drop to over the first 7 years and how long would the amount we spent take to recover to the original value of the pot? Many thanks, Adam 10:39 Question 2 Hi Pete and Roger, Thank you both for all of the content and guidance – it has really helped me build my confidence in planning my finances. How much is too much in a pension? I'm 42 years old and have always prioritised pensions as a relatively high earner. I'm now in a position where I have a fairly healthy £530k in my pension, and wondering if I need to throttle back the contributions soon? If I take an assumed 5% growth rate, I'm on target for a £1m pot by age 55 without any more contributions (my access age is protected at 55). Should I just pay in enough to get employer match - I get 7% employer contributions for my 5%? My employer offers salary sacrifice, so as an additional rate taxpayer, I benefit from 47% relief (the employer savings are not shared unfortunately). I do already manage to fill my S&S ISA every year and have an adequate emergency fund, so really it's a question of pension vs GIA at this point. My concern is that I may have to pay 40% tax on withdrawals on the way out, so I might be better to keep the money accessible and support an early retirement before pension access age. What is the maximum pension pot size to target at age 55? – what do you think? Many thanks and keep up the good work, Steve 15:55 Question 3 Hi Pete and Roger, Thank you for all you do! My mum is 63 and retired a few years ago. She has a DC pension, which she won't need to take until she's around 68 as they currently live off my dad's income. Her pension has been in the default fund, which automatically de-risks as she approaches retirement age. We only recently learned that this default fund probably isn't ideal for her circumstances, when I discovered your podcast and forwarded some episodes to her! She doesn't intend to buy an annuity, so what can she do with her pension pot at this late stage to stop it being entirely de-risked and losing value as she gets older? She plans to start taking an income from it in around 5 years time. Many thanks in advance! Kathryn 22:23 Question 4 Hi Roger and Pete, Listening to your podcast has me feeling like a money ninja - ready to conquer my finances one episode at a time! Here`s my question: My workplace pension match is 3% and I also I contribute 3% - it`s auto enrolment and a DC pension. I would like to put 15% in my retirement, but can`t find any advice on how to best do that – do I just up my contribution into my workplace pension to 15% and that`s that, or do I also open a SIPP and GIA and split between all three? What do people usually do? :D Thanks so much – Leah 27:22 Question 5 Hi Pete and Roger Been a fan of your podcast for a long time and have put some of the lessons from yourself and others into practice since I was 19, now 46 . Regularly saving and investing as much as possible by way of ISA , high interest accounts etc I have been able to build a decent portfolio over the years My question is regarding the most efficient platform for Stock and Shares ISA regarding fees. In the past I had an FA and the ongoing fees I always felt eroded investment gains and switched to Hargreaves Lansdown. I have a mix between individual shares/funds and trackers totalling £210k with Hargreaves Lansdown. I have heard about other cheaper platforms such as AJ Bell Trading 212 and wondered if your opinion would be to move over to something cheaper with an in specie transfer. I remember well the financial crisis and Lost money with the bank ICESAVE, only saved by the then PM Gordon browns decision to reimburse. So although I am attracted , once bitten twice shy for lesser know companies. My end goal is to scale back or stop work mid 50's For fullness of info , Pension DC £240k , Cash Isa £30k, House Paid off in Full £550k, Trust £50k No debt , No loans, 2 kids well looked after. Keep up the good work , that regular saving and diligent invest has worked really well over the long term .. thanks in advance and keep up the great work. regards Blair 36:11 Question 6 Hi Pete, Roger and Nick! My question is: when should you stop making additional pension contributions over and above those matching contributions from your employer? I am 43 and have amassed £450k in defined contribution pensions. For the past few years I have been topping up my contributions to the maximum £60k. But given that I still have 15 years until I will be able to access my pension, I assume with standard growth rates I will have amassed a significant sum even without the extra contributions (the extra is about £33k). I plan to withdraw approx £50k per year (up to the high rate income tax band) so assuming a 4% withdrawal rate I would need £1.25m at age 58. Should I just stop contributing the extra now and instead make contributions to my wife's SIPP instead? She has a salary sacrifice pension via work and has headroom to pay more into that pension or a SIPP. I am at the 62% marginal income tax/NI rate but my wife is a basic rate tax payer. I don't love the idea of paying 62% tax but only getting 28% tax relief (via salary sacrifice) if I do this! Many thanks, John

Sex Ed with DB
BEST OF: MASTURBATION

Sex Ed with DB

Play Episode Listen Later Oct 29, 2025 49:38


This best-of episode is all about MASTURBATION! Taken from our backlog to bring back our best advice, histories, and myth-busting all about self-pleasure to wrap up our first pleasure season! How do you know if you're masturbating too much? What's the deal with the history of vibrators? And WHAT came from WHAT in mythology? Dive into this episode for some wild stories and affirming advice. Don't be too shy to love yourself! Episodes featured: The Ultimate Masturbation Episode with Professor and Author, Dr. Eric Sprankle How do I know if I am masturbating too much? Masturbation May with Vic Liu ABOUT SEASON 12 Season 12 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. CONNECT WITH US Instagram: @sexedwithdbpodcast TikTok: @sexedwithdbTwitter: @sexedwithdb Threads: @sexedwithdbpodcast YouTube: Sex Ed with DB SEX ED WITH DB SEASON 12 SPONSORS Lion's Den, Uberlube, & Magic Wand Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW 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. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 12 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Communications Lead: Cathren Cohen (she/her) Growth Marketing Manager and Producer: Wil Williams (they/them) 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!

The Erik Ainge Show
The EA Show - Hour #3 (10.29.25)

The Erik Ainge Show

Play Episode Listen Later Oct 29, 2025 27:52


This hour featured conversation about Tennessee's DB health, the Sooners, and more...See omnystudio.com/listener for privacy information.

Lived Through That
Episode 86 - Chris Stamey (The dB's, Solo)

Lived Through That

Play Episode Listen Later Oct 29, 2025 17:17


"Lived Through That” is the companion podcast to my book where I look at influential musicians of the 80s and 90s and where they are today. On this podcast, we'll delve deeper into a single pivotal moment in the lives of some of the artists I feature in that book, as well as other artists I love and admire. The stories they tell are open, honest, and inspiring. This week, we have songwriter, producer, and founding member of The dB's—Chris Stamey. Before he helped define the sound of southern jangle-pop, Chris was in New York, deep in the downtown scene, playing with one of the most adventurous musical collectives of the 1980s: The Golden Palominos. The group blurred every boundary—rock, jazz, punk, ambient—and became a kind of musical laboratory for some of the era's most inventive players. Tune in for a deep dive into a part of Chris' history that might be a little bit more unknown. Chris Stamey's Website Music Credits: Rumba Desolato by Blue Dot Sessions If you like the podcast, please subscribe and maybe leave a tip at Buy Me A Coffee!  I'd really appreciate your support! Be sure to look for my books, "Lived Through That" and "80s Redux" where ever you buy your books. You can find out more about my work at my website ⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

WNML All Audio Main Channel
The EA Show - Hour #3 (10.29.25)

WNML All Audio Main Channel

Play Episode Listen Later Oct 29, 2025 27:52


This hour featured conversation about Tennessee's DB health, the Sooners, and more...See omnystudio.com/listener for privacy information.

11KM: der tagesschau-Podcast
Baustelle Deutsche Bahn: Neue Chefin, alte Probleme

11KM: der tagesschau-Podcast

Play Episode Listen Later Oct 29, 2025 28:41


Die Probleme bei der Deutschen Bahn sind groß. Verspätungen, Defekte und Zugausfälle sind ein Dauerärgernis für Bahnkunden. Evelyn Palla ist seit 1. Oktober neue Chefin bei der Deutschen Bahn. Sie soll den Konzern aus der Krise führen. Aber wieviel Entscheidungsmacht hat sie wirklich und kann der verordnete Neuanfang so einfach gelingen? Darüber sprechen wir in dieser 11KM-Folge mit Jan Zimmermann aus dem ARD-Hauptstadtstudio. Wir blicken auf die Herausforderungen, vor denen die Bahn in den kommenden Jahren steht, wie sehr die Politik mitreden will und woher das ganze Geld für die Sanierung kommen soll. Alle Nachrichten und Hintergründe zur Deutschen Bahn: https://www.tagesschau.de/thema/deutsche_bahn Hier geht's zu “Eltern ohne Filter”, unserem Podcast-Tipp: https://1.ard.de/eltern-ohne-filter-1 Diese und viele weitere Folgen von 11KM findet ihr überall da, wo es Podcasts gibt, auch hier in der ARD Audiothek: https://www.ardaudiothek.de/sendung/11km-der-tagesschau-podcast/12200383/ An dieser Folge waren beteiligt: Folgenautor: Moritz Fehrle Mitarbeit: Lukas Waschbüsch, Marc Hoffmann Host: Elena Kuch Produktion: Jan Stahlmann, Konrad Winkler, Jürgen Kopp, Marie-Noelle Svihla Planung: Caspar von Au und Hardy Funk Distribution: Kerstin Ammermann Redaktionsleitung: Fumiko Lipp und Nicole Dienemann 11KM: der tagesschau-Podcast wird produziert von BR24 und NDR Info. Die redaktionelle Verantwortung für diese Episode liegt beim BR.

WNML All Audio Main Channel
The EA Show - Hour #3 (10.29.25)

WNML All Audio Main Channel

Play Episode Listen Later Oct 29, 2025 27:52


This hour featured conversation about Tennessee's DB health, the Sooners, and more...See omnystudio.com/listener for privacy information.

Sit Down Marks!
DBTT- "Boogie Woogie Man" Jimmy Valiant

Sit Down Marks!

Play Episode Listen Later Oct 28, 2025 19:22


Slam this button to send us a message! All wrestling opinions welcome!On this episode of DB's Territory Treasures, DB speaks on the man that caught his eye and got him hooked on pro wrestling, The "Boogie Woogie Man" Jimmy Valiant! DB talks about his feuds, mannerisms, promos, character & Much More! Subscribe at SitDownMarks.comFollow The Pod at www.SitDownMarks.com Sit Down Marks! Merch SportzWire 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

Friends at the Table
Perpetua 21: A Roar Across Cenn 03

Friends at the Table

Play Episode Listen Later Oct 26, 2025 66:23


All across the Elevana League, pilgrims leave their homes and travel over great distances towards the city of Cenn, determined to meet with the only member of the Ennead who deigns to walk amongst their worshippers. As a matter of propriety and faith, what transpires between Castine and his believers is largely kept between the embodiment of metal and his visitors. But it is not uncommon to see echoes of the conversations in the life that follows. Greater confidence. Lesser cruelty. A new found curiosity. When you walk your lap with the Living Metal, it is said, you may find yourself newly tempered. This week on Perpetua: A Roar Across Cenn 03 Perpetua Guide [In Progress v.05] Some Feedback [Page 22 of 24] Alukard83 What do you think you'd ask Castine if you could walk with him? FriendOfNei You actually can if you get the right answers during the Temple Infiltration. But that's a good question, I'll load my backup save and try to update the FAQ soon with as many answers as I can get from him soon! Alukard83 Oh thanks. But I meant in real life. Like would you ask about the future or about the past or maybe about some secret only he would know? TheDiamondRanger I'd ask him where the ultimate weapons are! TheUnforgivenIII Wow, a rare good question from Reverse Dracula. I think I'd ask about my grandparents (mom's side). Never really got to know them. XxZelgadyskXx I don't know that Castine knows about stuff like that. He seems more into like, statues and shovels and things made of metal. XD Alukard83 I mean he's a God right? God is omni-scient, so he'd have to know about things like TUIII's grandparents. Even if we just meant in Perpetua and not IRL, he could watch them from like… candle sticks and forks and stuff right.  CarlsJr god doesn't exist lol Doom_Tree_Anne I think it's a good question, Alukard83! From what I've read, it's not clear what exactly Castine (or God, if she DOES exist, I'm agnostic) can or can't do. Sure, there's clearly a lot of miraculous and powerful stuff that happens in the story (game and IRL religions). But there are always limits, right? Like how Castine couldn't see into the Hexcloak office because Aegir did that trick with the light and with Caoimhe's sword, or how in real life, a supposedly benevolent (that means kind and loving) God lets bad things happen to people. But that doesn't mean that they aren't loving. Just that they aren't actually all powerful. A lot like us. Anyway I thought it was a good question so I wrote a fic about it over on the Creative Writing board. If you search for “Walking In Iron Shoes” you should be able to find it. Let me know what you think n.n;;; TheDiamondRanger What's a fic??? Hosted by Austin Walker (austinwalker.bsky.social) FeaturingAli Acampora (ali-online.bsky.social), Art Martinez-Tebbel (amtebbel.bsky.social), Jack de Quidt (notquitereal.bsky.social), 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.

The Richard Sherman Podcast
Derek Stingley Jr. on GREAT Texans defense, NFL WRs & being a lockdown corner | Richard Sherman

The Richard Sherman Podcast

Play Episode Listen Later Oct 25, 2025 21:13 Transcription Available


Houston Texans star Derek Stingley Jr. sits down with Richard Sherman to break down what makes him one of the NFL’s premier lockdown corners. Stingley talks about dominating top receivers, the Texans’ elite defense, LSU’s DBU standard, and the mindset required to play corner at the highest level. Sherm and Stingley go deep on DB technique, ball skills, film study, confidence, penalty mindset, man vs. zone IQ, and how elite corners bounce back when a receiver wins a rep. Stingley also opens up about his “welcome to the NFL” moment, learning from LSU legends, working under DeMeco Ryans, and the wideouts across the league who don’t get the respect they deserve. All lines provided by Hard Rock BetSee omnystudio.com/listener for privacy information.

The Meaningful Money Personal Finance Podcast
Listener Questions, Episode 30

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Oct 22, 2025 34:33


It's another varied mix of questions, with a couple on catching up after a late start, avoiding the 60% tax trap and lots more. Shownotes: https://meaningfulmoney.tv/QA30  01:03  Question 1 Hi, I'm curious if you have advice, best practice or tools to advise people who have a reasonable rental property portfolio on how to plan for retirement? I am 55, have taken 50k tax free cash, and 13k a year drawdown, approx 40k left.  I have 11 rental properties, but I am still remortgaging and buying more properties.  Currently have about 450k available to reinvest into a few more properties, and then probably stop buying. I'm really struggling to understand how much I can/should have available to spend each month, especially as I'm still reinvesting into properties.  I'm sure I should be spending way more than I am, but can't work out how best to put a retirement plan together to show how much I truly afford to spend each month. Love your content, and thanks for any advice you may be able to give. Thanks, Paul 09:49  Question 2 Hi Pete and Rog. Big fan of the podcast, keep up the good work. I am looking at ways to stay under 100k income each year to remain eligible for childcare benefits. I know if I were to make AVC into my work pension this would help to remain below that figure. I would prefer to put this money into a SIPP. My question is if I got paid the money and deposited it into a SIPP instead of my work pension will this reduce my income tax and prevent me from going over 100k and losing childcare benefits. Kind regards, Joshua 12:33  Question 3 Hello Pete and Roger, Firstly, thank you so much for such an informative podcast. I don't think I listen to a single episode without taking away something valuable! My question relates to what I should do to with money as I accumulate it for the next financial year's ISA and SIPP allowance. For context- I am 39, an NHS doctor with an NHS pension, have a paid off mortgage and have started making SIPP contributions to bring my adjusted net income below the 60% tax threshold. I am in the privileged position to be able to contribute maximum S&S ISA contributions at the beginning of each tax year and already have filled premium bonds allowance as my emergency fund. Should I put my accumulating savings in a high interest savings account until April, or am I missing out on growth each year and should I be using a GIA with a bed and ISA approach? I appreciate there may be tax on savings interest above £500 or CGT on anything over £3k gains. I just don't want to be missing out on the best approach for the next 20+ years as I hopefully continue to max out ISA and pension contributions. Thank you so much in advance and keep up the fantastic work! Paddy   16:36  Question 4 Dear Pete and Rodge, I am relatively young (36) and have started listening to your podcast relatively recently (in the last year). What I like about it best is the calming relaxed attitude that money matters are discussed in and the comforting belief that life is more important than money I think shines through. Comparison is the thief of joy I know but I find it hard to situate myself in relation to where I ‘should' be financially. I stayed at university a long time (10years) and so always perceived of myself as ‘in debt' and living to the brink of my means, I didn't have a credit card but I would spent all my money and save nothing. When I did eventually get a job it didn't pay much and again it was paycheck to paycheck for many years. Then came three big changes almost at once. First me and my wife had a baby daughter come along, next the company I worked for went bust and third I found your podcast! Something about the mix of these three made me sit up, take notice and want to engage with my finances where previously my head had been in the sand. I did very much feel like I was way behind the running. I managed to find a job which paid almost a third as much take home pay again and decided to set up savings for my daughter, set up an emergency fund, increase pensions contributions, open a stocks and shares ISA, all of the good stuff that you guys continually discuss. However, I still am very much of the opinion that I am way behind the game and starting late which is a shame seeing as time is such a valuable component in investing. My question to you guys is, were you in my position, where would be the first places you would look to educate yourselves on the right things to do next? I feel like I don't know what I don't know and things continually surprise me (for instance I didn't realise that having a car on finance was considered bad debt until the other day). I have this constant nagging doubt that I will be missing something because I haven't started from the beginning. I did consider going back to the start of the podcast when I found it, but Rodge wasn't even around in the first few so I didn't enjoy it as much and also felt like maybe some advice would have gone out of date? Is there a key place for me to start, non-negotiable sources I have to get to grips with in the first place that you can direct me to? What would you do? Very keen to learn your thoughts and hugely appreciative of all your efforts! Kind regards, Dan 24:16  Question 5 Hello Pete & Roger I've gained Incalculable value from listening to you so keep up the amazing work! I have a DB-DC hybrid scheme and at my target retirement age (64) my projections say I'll have £33K p.a DB income + £345K DC pot. This would give me ~ £86K TFC allowance at the pot. My plan has been not to take any TFC on the DC pot upfront and to use regular UFPLS withdrawals to reduce income tax over the long term. However, as this is a hybrid scheme, if I take both DB and DC components at the same time I can keep the DB at £33K p.a. and take £220K TFC upfront. This has made me question my slow TFC strategy as I can realise far more taking it upfront by leveraging the DB ‘value' but only at that point in time. My thoughts are to then find a way to get this £220K TFC into S&S ISAs where they would be invested in the same way as in my DC pension. This would allow me to reduce income tax massively over my lifetime. This seems too good to be true! Is it? Problem will be finding a home for such large amounts of cash Options Max mine and wifes ISA allowances (£40K p.a) £10K p.a. contribution  to mine and wifes DC pots  (MPAA limited) (£20K p.a.) Any other options? Thanks, Duncan 28:46  Question 6 Greetings Pete and Roger, Speaking as a fellow Gen X gruff Northerner (…Pete!), I'd just like to express my huge gratitude to you both for rescuing me from years of financial ineptitude, misdirection and investing ignorance. I can only blame myself, but losing a parent in my late teens, then late 20s, and subsequently finding myself on the non-receiving end of ‘Sideways disinheritance' (Dad remarried / mirrored will / sold our family home to pay second wife's debts….) didn't help with establishing good long-term financial habits. Thankfully, the financial clouds parted 21(ish) months ago when I discovered your excellent Youtube videos, first book, and podcast back catalogue, including a tour de force in ‘tough love' re: DC pension catch up.  Since then, I've been desperately trying to catch up, with a rough target of getting a DC pot to support an UFPLS annual 3.5 - 4% withdrawal of, the magic, £16,760. Starting from a very low base, I've been using direct payments from my own Limited Company into a Vanguard SIPP, approximately £3k+ per month (yes, I'm living on lentils..) combined with transferring personal contributions of £10k from money sat in a S&S ISA, thereby getting tax relief up to my small wage of £12.5k.  Using this mechanism, I've placed £48k into the pension (mindful of the £60k limit – tax relief is added on the 10k personal, but 19% corp. tax is saved on the employer contributions) in the last financial year, but won't be able to sustain this forever. My question is as follows – provided I still make a net profit after the Employer pension contributions, am I correct in assuming I'm ok re: the ‘Wholly and exclusively' HMRC test?  The employer pension payments dwarf the remaining net profit, from which I then take a small amount of dividends, and a smaller corporation tax payment is made at 19%. Also, provided I don't transgress the personal earnings limit (£12,570 for me), is that ok also re: also putting in from the employee side? Am I missing anything at all?  E.g. could you use the ‘carry-forward rule' to top up previous years with employer contributions from the Limited company?  I'm assuming the answer is ‘no', as dividends don't count as earnings / they don't exceed £60k, but thought I'd ask anyway! Apologies for the ‘War and Peace' length question, and thanks again. Stay intentional, Bill PS: Really like the ‘Catching up' section of your, also excellent, second book Pete.

Sex Ed with DB
BEST OF: PLEASURE

Sex Ed with DB

Play Episode Listen Later Oct 22, 2025 41:44


This best-of episode is all about PLEASURE! Taken from some of our favorite episodes in Season 12, our first season all about pleasure, you'll get tips and ruminations on how to get the most pleasure out of your life. Listen in for talks on multiple orgasms, different types of orgasms, and how to initiate intimacy with confidence! Episodes featured: How can I have multiple orgasms? 20 Types of Orgasms with Goody Howard Initiating Sex with Confidence with Whitni Miller ABOUT SEASON 12 Season 12 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. CONNECT WITH US Instagram: @sexedwithdbpodcast TikTok: @sexedwithdbTwitter: @sexedwithdb Threads: @sexedwithdbpodcast YouTube: Sex Ed with DB SEX ED WITH DB SEASON 12 SPONSORS Lion's Den, Uberlube, & Magic Wand Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW 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. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 12 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Communications Lead: Cathren Cohen (she/her) Growth Marketing Manager and Producer: Wil Williams (they/them) 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!

이진우의 손에 잡히는 경제
[상담소] 10/21(화) DB형 퇴직연금을 가입 중인 회사가 망하면?

이진우의 손에 잡히는 경제

Play Episode Listen Later Oct 21, 2025


[고민사연] 안녕하세요? MBC 라디오 미니로 손경제 청취하는 40대 직장인입니다. 올해 이직해서 근무 중인데 회사 사정 상 폐업을 한다는 얘기를 들었습니다. 이직한지 1년이 안되었는데, 회사가 없어지면 퇴직금을 받을 수 있는건가요.? 회사가 문을 닫게되면 어디로 가서 어떻게 퇴직금을 달라고 해야하는지도 궁금합니다. 참고로, 저희 회사는 증권사에 DB형 퇴직연금이 가입되어 있고, 폐업은 연내에 이뤄질 것 같다고 합니다. 회사 폐업도 걱정이긴 하지만, 다시 이직할 일도 걱정입니다.

The Big 3 IDP Podcast
Week 7 IDP Recap: Micah Parsons Puts the NFL on Notice

The Big 3 IDP Podcast

Play Episode Listen Later Oct 20, 2025 59:07


Josh and Bobby gather in the Sode Shack for an afternoon recap pod, breaking down all the big IDP news from Week 7. The headline for this week? Micah Parsons can still wreck a game when he wants to. The duo also discusses surprising LBs inside the top 10, the continued dominance of Brian Burns and Byron Young, and the emergence of some standout DB options (including a certain cheat code in Jacksonville).0:00 Intro3:41 Micah Parsons10:26 LB recap37:00 DL recap45:28 DB recap56:25 MNF excitementCheck out our brand-new, free IDP start/sit tool, powered by Mike Woellert's weekly projections: https://idpstartsit.com/Subscribe to our YouTube channel for our other shows, The IDP After Show and All IDP.If you'd like to support the show, you can do so for just $5/month over at ⁠theIDPshow.com⁠. We've got some premium features for paid supporters that we know you'll enjoy. Follow us on Twitter ⁠@theidpshow⁠. Thanks for listening!

KNBR Podcast
10-20 Chase Lucas joins 49ers postgame show with Guy Haberman & Tim Ryan to share his thoughts on the big win against the Falcons

KNBR Podcast

Play Episode Listen Later Oct 20, 2025 7:14


49ers DB, Chase Lucas joins 49ers postgame show with Guy Haberman & Tim Ryan to share his thoughts on the big win against the FalconsSee omnystudio.com/listener for privacy information.

Friends at the Table
Perpetua 20: A Roar Across Cenn 02

Friends at the Table

Play Episode Listen Later Oct 17, 2025 144:21


After an ominous meeting with Thereus Aegir, leader of the Hexcloaks, Caoimhe Wake regroups with Brontë Adelvys and Antistrophe Landrace, fresh from their victorious Beachminton showdown in Seawalk. Caoimhe shares the ultimatum she received from Aegir: Find out whether the recent earthquakes are tied to Castine, Living Metal. Which raises the question: How does one go about investigating a member of the Ennead while he is surrounded by his most loyal followers?  This week on Perpetua: A Roar Across Cenn 02 Perpetua Guide [In Progress v.05] NPCs & Monsters [PNMS] I've been waiting to put these in until we had stats, but I guess we just aren't getting those during the early acts. Jimmy Cone & Johnny Cakes [NMJJC] Traits: Arrogant, Ambitious, Competitive, Playful Stats: ???  Attacks: Ace Killer, Back to the Fundamentals, Big Little Bro Backhand, Big Little Bro Beachminton Bash, Classic Comeback Shot, Desperate Dexterous Swing, Dexterous Hit, Final Shot, Jimjam Slam, NORMAL OL' HIT, Patty-Cake Patty-Cake Baker's Lob, Rapid Fire Double Down Super Shot, Slippy Slappy Overhand, Signature Dexterous Hit, Veteran's Return Spells: ??? In-Game Description: Brotherly heirs to the Cenn City dessert empire. Sigh. I don't really get it. Why do they share a character profile page when they clearly have different stats? Why aren't their stats visible even after you beat them in Beachminton. Is their whole concept some sort of reference I don't get? I think this game is pretty funny, but every comedian has some bad jokes.  Kley Kaina [NMKLA] Traits: Skeptical, Mysterious, Just, Vengeful Stats: ???  Attacks: ??? Spells: ??? In-Game Description: Caoimhe's childhood friend, a Poison Elf who has trained to be a doctor. Somewhere along the way, they developed strange allegiances. You know when you watch an anime and you go “I hope that side character gets a whole episode?” That's how I feel about Kley. What's their deal!? Why are they so pissed off about Caoimhe joining the Hexcloaks. And what “strange allegiances” do they have?  Delani Kaina [NMDLK] Traits: Faithful, Brusque, Determined, Demanding Stats: ???  Attacks: ??? Spells: ??? In-Game Description: Kley Kaina's mother and a loyal follower of Castine. On a pilgrimage to Cenn. I wish she wasn't so mean to Kley, but I can't help but like her. It's funny that she has a big crush on Castine, it's sort of like being in love with a Greek God, but I guess that happened in myths too so why not in a game? Thereus Aegir [NMTHA] Traits: ??? Stats: ???  Attacks: ??? Spells: ??? In-Game Description: Leader of the Hexcloaks. “Leader of the Hexcloaks.” That's it!? You couldn't even say “Cruel leader of the Hexcloaks” or “Mysterious leader of the Hexcloaks?” Not saying more makes him even MORE mysterious. And why are his TRAITS hidden? It's not like he's hiding being a jackass, he just is one! Athon, Castine's High Cleric [NMATH] Traits: Devoted, Strict, Punctual, Knowledgeable Stats: ???  Attacks: ??? Spells: ??? In-Game Description: Castine's chief attendant, responsible for the affairs of his Temple. Athon is sort of a mirror. If you choose all the hostile dialog options, he's a real prick back to you. If you choose all the more quiet, humble ones, he'll reflect respect back to you. I'm not sure it really matters if you piss this guy off or not, but if you don't want to get scolded, just be polite and patient. Castine, Living Metal [NMCLM] Traits: Curious, Mercurial, Empathetic, Caring Stats: ???  Attacks: ??? Spells: ??? In-Game Description: Second newest member of the Ennead. Connected to metal and physical damage.  I have some guesses about what “second newest” member of the Ennead means, but that's it for now. Here's my big theory though: There's gotta be some connection between him and Scintero, since Scintero is “Living Bolt” and Castine is “Living Metal,” right? Hosted by Austin Walker (austinwalker.bsky.social) FeaturingAli Acampora (ali-online.bsky.social), Art Martinez-Tebbel (amtebbel.bsky.social), Jack de Quidt (notquitereal.bsky.social), 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.  

Straight Outta Vegas with RJ Bell
Hour 1 - Home Field Disadvantage?

Straight Outta Vegas with RJ Bell

Play Episode Listen Later Oct 17, 2025 40:13 Transcription Available


C&R react to the Jays crushing the Mariners in Seattle! In the postseason, is home field actually a disadvantage? A caller calls DB a grizzled vet. They talk Week 7 NFL Power Rankings. Even Tom Brady has the Bucs & Colts at the very top! Plus, Max Scherzer time & 'OLD-SCHOOL WHEN 50 HITS!' See omnystudio.com/listener for privacy information.

The Gametime Guru
How DJ Clark Went from Undrafted to the NFL | Idaho State DB Story

The Gametime Guru

Play Episode Listen Later Oct 17, 2025 69:57 Transcription Available


DJ Clark's story is one of perseverance, grit, and the reality of chasing a dream. From Oceanside, California to Idaho State University, DJ carved out a path as a standout defensive back. After going undrafted, he earned NFL tryouts with the Carolina Panthers and Green Bay Packers, where every rep determined his future. In this episode, DJ dives into:

Unsportsmanlike Conduct
Memes & Mathematics w/ Austin Jacobsen - 1

Unsportsmanlike Conduct

Play Episode Listen Later Oct 17, 2025 27:22


Austin revealed a pretty disturbing photo, we try to figure out some DB math, and we determine the age gap for Unc.

In The Loop
Full Show - Friday, October 17th

In The Loop

Play Episode Listen Later Oct 17, 2025 154:49


ITL reacts to the TNF “Icy Hot” Bowl and dives into the latest DB injury updates before debating which Houston sports moment you'd trade for another team's success. Around The NFL spotlights key weekend matchups, the Rockets' Reed showcase, and What's Poppin' in sports and entertainment. Plus, Texans vs Seahawks questions, Lunch-Time Confessions, Lopez's College Football Theme Of The Week: Alternate Universe Saturday presented by Wrangler, and Figgy's Mixtape: a Real Life Verzuz featuring rappers, attorneys, and judges.

In The Loop
HR 1 – TNF “Icy Hot” Bowl Reactions & H-Town Sports Trade-Offs

In The Loop

Play Episode Listen Later Oct 17, 2025 32:51


ITL breaks down last night's “Icy Hot” Bowl on Thursday Night Football — what stood out most? Plus, big DB injury news: is Derek Stingley Jr. officially in the clear, and what's the latest with Witherspoon and Woolen? QOTD: What Houston sports moment would you trade for another team's success?

Supermanagers
AI + n8n: From YouTube Insights to Sales Funnels in Minutes with JD Fiscus

Supermanagers

Play Episode Listen Later Oct 16, 2025 45:52


JD Fiscus (nerding.io) shares how a late-night hack connecting MCP to n8n exploded to ~1M downloads, then demos practical MCP workflows: indexing YouTube channels for Q&A, and auto-building n8n flows from natural language. We dig into the Agentic Commerce Protocol, real security pitfalls (like destructive commands), and how to turn MCPs into products with OAuth and Stripe for authentication and metered billing. He closes with how he teaches this hands-on at the Vibe Coding Retreat.Timestamps1:00 Why build it: “MCP shouldn't be Claude-only”—bridging MCP into n8n early (Dec/Jan)2:09 Shipping under the pseudonym nerding.io; surprise seeing creators use it2:25 n8n later ships its own MCP server/client; they nod to nerding.io & Simon3:59 “N8n is useful, but so much more useful with MCP”5:12 What MCP means for software: every smart company is exposing an MCP; new login/usage patterns6:27 Agentic Commerce Protocol (ACP): Stripe + OpenAI; agents checkout across the web8:02 Marketing to agents not humans? SEO shifts as agents comparison-shop9:10 Early “agent mode” attempts vs protocol-based purchases (less hacky)10:58 Likely adopters: platforms (Shopify) & big retailers; echoes of early MCP evolution14:11 Security realities: token passing evolved to OAuth; hallucination + destructive actions risk16:04 Personal mishap: agent ran supabase reset on a dev DB—imagine prod! Guardrails matter17:03 Designing MCP servers: don't just “wrap your API”; use resources/prompts for agentic UX19:04 Demo 1—Influencer MCP: index a YouTube channel, embed transcripts, ask questions in Claude20:54 Storage: embeddings into Postgres; per-channel tables24:46 Keeping it fresh: daily cron to ingest new videos25:18 Demo 2—Build n8n workflows from chat using N8N MCP (by Ramullet); live docs + API27:00 “Create a webhook → send leads to Sheets” built conversationally, with allow/deny prompts31:02 Zapier, Gumloop: agents that build automations via natural-language steps34:00 Next frontier: custom connectors (Claude/Cursor/OpenAI), OAuth auth flows for MCPs39:03 Turning MCPs into products: login with Twitter → Stripe subscription → metered billing41:12 Paid tool call demo: “paid echo” → Stripe usage event logged per user43:41 How to learn this fast: vibecodingretreat.com (small cohorts, hands-on builds)Tools & Technologies Mentioned (quick guide)MCP (Model Context Protocol) — Standard for connecting models to tools/data; supports tools, resources, prompts.n8n — Open-source automation platform; JD wrote an MCP node that went viral; also has native MCP server/client now.Claude / Cursor / OpenAI (custom connectors) — LLM IDEs/chats that can load MCPs; custom connectors enable OAuth + productized access.Agentic Commerce Protocol (ACP) — Early protocol (Stripe + OpenAI) for agent-initiated purchases with confirmations.Web MCP (W3C-oriented idea) — Emerging patterns for agent↔︎website interactions beyond human UI flows.OAuth — Secure, user-consented authentication for MCPs (vs passing raw tokens).Stripe (subscriptions + metered billing) — Attach billing/usage limits to MCP calls; track per-user consumption.YouTube API + Transcripts — Source data for the “Influencer MCP” indexing pipeline.Embeddings + Postgres — Store vectorized transcript chunks in Postgres for retrieval (JD self-hosts).Cron — Schedules daily ingestion of new content.Google Sheets — Target destination in demo for simple lead funnels.Zapier / Gumloop — Natural-language automation builders; early NLA/agent patterns.Git / CLI commands — Cautionary tale: agents running destructive commands (e.g., resets).Do Browser / Comet Browser — Agentic browsing tools referenced for web actions.Fellow.ai — AI meeting assistant with security-first design; generates precise summaries/action items.Subscribe at⁠ thisnewway.com⁠ to get the step-by-step playbooks, tools, and workflows.

The Pat McAfee Show 2.0
PMS 2.0 1430 - Watt Wednesday, In the Trenches with AQ Shipley, Everything DB with Darius Butler, Stanford Steve, & AJ Hawk

The Pat McAfee Show 2.0

Play Episode Listen Later Oct 15, 2025 188:00


On today's show, Pat, AQ Shipley, Darius Butler, AJ Hawk, and the boys wrap up week 6 of the NFL season as AQ gives his five best offensive lines of the week and biggest takeaway's, and Darius Butler highlights the best DB play of the week, and Tone gives his midseason college football playoff graphic, they recap last night's NLCS game that saw the Dodgers take a commanding 2-0 lead over the Brewers. Joining the progrum to chat about about his thoughts of a great weekend of football, PFF player grades, and previews some of next weeks games. Later, ESPN legend, College GameDay stalwart, co-host of SVPod, Stanford Steve joins the show to preview this weekend's massive college football slate. Make sure to subscribe to youtube.com/thepatmcafeeshow or watch on ESPN (12-2 EDT), ESPN's Youtube (12-3 EDT), or ESPN+. We appreciate the hell out of all of you, we'll see you tomorrow. Cheers. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Meaningful Money Personal Finance Podcast
Listener Questions Episode 29 - Retire Soon

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Oct 15, 2025 42:53


In today's Q&A episode, we're answering a bunch of questions from those on the threshold of retirement, getting into the nitty-gritty of age-difference planning, DB scheme reductions and all sorts! Shownotes: https://meaningfulmoney.tv/QA29    01:04  Question 1 Hi Pete I am really enjoying listening to the podcast, thank you. They make what can sometimes be a complicated subject much easier to understand. I have a question which I have asked my SIPP provider but even they don't appear to know the answer so here goes: If someone has a SIPP valued at say £1.2m and a DB pension valued at say £300k, in order to maximise the favourable annuity provided by the DB pension, is it possible to draw the full LSA (25% tax free cash) from the SIPP? Or is there a requirement to draw the LSA on a pro rata basis from both the SIPP and the DB pension? Thank you, AJ 07:07  Question 2 Hi Pete and Roger, Thanks to The Meaningful Money Handbook, The Meaningful Money Retirement Guide and listening to all of your podcasts, I'm now in the fortunate position to retire in three years at the age of 55. However, I have a couple of questions about building a Cash Flow Ladder: Q1 - Should I be moving my investments into the various rungs of the ladder now, or just wait until I retire? Q2 - Most of my investments are in a pension, but I also have an ISA for a bit of flexibility. Would it make sense to use the same ladder structure in both the pension and the ISA? Thanks for all your good work. Tim 11:17  Question 3 Hi guys Loving the podcast - helped me through the COVID years and it's been a staple ever since so thank you for that. My question is around investing in older age. At what point, if any, is it worth cashing out GIA investments if other sources of income such as state pension and DB pensions are more than enough to live off and I have sufficient other capital (cash isas) for those big things still ahead? I'm not planning to leave any sort of inheritance (unless I pop my clogs early !) so is there some rule of (age) thumb of when to cash out and spend investments? I sort of don't see the point of continuing to invest after a certain age and to spend the money. But I guess it's not easy switching from investing to spending. Thanks, Chris 16:33  Question 4 Hi Pete & Roger, Great show gents, always interesting and informative.  I've been an avid listener for a couple of years now and have been encouraged to write in on the off-chance that my question may have relevance to others with a similar dilemma. I fear you may feel it's too niche but here goes: I'm 59yrs old and for all intents and purposes retired, in as much as I quit my career in business 18months ago to take on the full-time parental care role of my 6yr old twins which enables my wife (15yrs my junior) to continue in the career she loves. We are fortunate that my wife is an additional higher rate tax payer (as was I before I quit), we live mortgage free in a ~£1.5m family house - all of which means I have no plans to draw a pension until my wife is also ready to retire, which despite her occasional gripe, is not likely to be until our children leave school (by which time we will be ~ 72 and 57 respectively). I have a small index-linked Public Sector DB pension that kicks in in a few months time when I hit 60 (£7k per year) and expect to get a full State Pension which should provide me with around £20k p.a. at todays values as a base income when I reach state pension age in 7 years time. I also have a Pension pot currently valued at around £1.2m, made up from £1m SIPP and £200k S&S ISA) and my wife's Pension pot is currently valued at around £520k (£400k SIPP & £120K S&S ISA).  I no longer contribute to my SIPP but my wife invests around £30k Gross in to her SIPP annually and we plan on continuing to fill both ISA allowances each year until she retires.  We are both 100% invested in equities using low-cost Global trackers to maximise their growth potential. Here's my question, I was burnt a few years back (before I started listening to podcast like yours to educate myself on how to manage my finances) when I was persuaded to join SJP and combine all my old workplace pensions into a single pot managed with them.  I even persuaded my wife to join and I opened Junior SIPPs for my twins when they were born (not their advice, my own) which we continue to pay the full amount into monthly to hopefully secure their future retirement. Long and the short of it, the more I learned about investing, the more I regretted my decision to tie myself into SJP and the more I begrudged paying their relatively high fees (for what turned out to be a lower return than much lower cost tracker options could / would have produced over that same time period). I eventually sucked up the exit fees and bailed out a few years back, taking my wife and children's accounts with me and whilst I haven't looked back, it has made me reluctant to spend money on financial advisors, given the perceived poor advice I felt I received last time. To that end, I'm currently planning on managing mine and my wife's finances through retirement without recourse to an advisor but have started to have niggling doubts as to the whether I'm being too arrogant in my own abilities. In simple terms, our aim to build a combined Pension Pot (incorporating a healthy ISA element to aid in tax-efficient drawdown, allow my wife to retire early(er) if she so desires and to cover one-off expenses that may from time to time will come up) that's large enough for us to live off comfortably based on a flexible 3-3.5% drawdown rate annually (index-linked).  The plan is also to remain 100% invested in equity throughout retirement with the exception of and maintaining, a 3-5yr cash-like buffer (invested in MM Funds / short term government bonds) from which to take our living expenses. My wife and I are not extravagant spenders and can easily cut our cloth according to circumstances, so my feeling is, with a small but decent guaranteed income that we will have as a foundation, when combined with what I hope/expect to be a sizeable joint Pension Pot and a relatively low and sustainable withdrawal rate that should see us right even through the harshest of winters (metaphorically speaking) this should provide all the income we'll need for a comfortable retirement with a good chance of leaving a fair amount left in the pot for our children at the end, without over complicating our portfolio or expensive management costs. The obvious concern I have is around IHT but even there, I feel like that's a concern to address further down the road once we know we are financially secure and when we know more about the needs of our children as they grow-up and can plan what to do with any excess cash we might have using the rules in place at that time. Sounds simple, but is it too simple?  Can you spot any obvious flaws in this plan or reasons why you think seeking professional advice would make sense that may not have considered? Thank you and keep up the good work! Regards, Aaron 27:42  Question 5 Hi both Love the podcast. I listen regularly and enjoy hearing the banter between the two of you,  as well as providing answers to thought provoking questions. As an additional rate taxpayer in Scotland, my marginal income tax rate is an eye watering 48%. So I get significant benefit from tax relief when topping up my pension. It can cost as little as £33,000 to enjoy a full input of £60,000 once I get money back on my tax return. I have been diligently stuffing my pension as much as I could afford for years now as it was always the prevailing financial advice. I'm now only a couple of years away from retiring at age 55. I am fortunate enough to be now over the old LTA (which is now of no consequence). However the tax free limit is still set at 25% of that old allowance (£268,273?). Given I am now NOT going to benefit from any further tax free money on the way out, I wonder whether continuing to contribute to my pension is a good idea anymore. My choices are either : 1) Pay into the pension and enjoy tax relief of 48% now, allow the fund to accumulate tax free over the coming years, then pay income tax on the way out at 40%. (I expect to be high rate , not additional or basic rate tax payer in retirement) 2) Take the tax hit now on income, don't contribute to pension, put the nett amount into a GIA, and pay 24% CGT on the gain on the way out. I did some numbers and while the pension wins out, it's not by much over a 10 year term assuming 5% growth. But tax rates could change, pension rules could change, and inheritance tax changes are pending. Can you compare the pros and cons of each approach to help me make a decision, or is there a third option to consider? (I hear Roger sometimes suggest a strategy of taking the tax hit now rather than later e.g better the devil you know) I hope this makes sense. Thanks, Martin   33:47  Question 6 I became an avid listener of the podcast during the first lockdown and have learned so much in the past 5 years. I really enjoy it and appreciate all the effort you put into it. My question is with regard to age gap relationships and planning for retirement. I'm 59 and am currently contributing to the NHS Pension Scheme. Part of my pension can be taken at  age 60, without deduction, and I hope to have an income of £16,000 plus a £50,000 lump sum. The rest of my pension I'll be able to take at age 67 and by the age of 63 I hope to have a further pension of £18,000 without a lump sum. In addition to this, from my career before the NHS, I have a SIPP and the current value is £400,000. 63 is the age by which I hope to have stopped working at my current level but it might be sooner. My wife is ten years younger than me and has not been working for most of her adult life. Currently she is paying into a local authority DB scheme but by the time she is 58 her pension entitlement might only be £5,000 per year, but this would need to be discounted by 40%-50% in order to take that income. By the time we are eligible I expect both of us to qualify for the full state pension. We have no other cash savings to speak of and our mortgage is due to be paid off next year, when I will be 60. My question is what advice do you have for couples who face this age gap issue. The plan is that we want to spend our retirement together while I am fit and active (well fit-ish). Once we both have the state pension, with my NHS Pension, we should have an income of £58,000 at todays values, which will be enough for our needs when I am in my late seventies, but might make me a higher rate taxpayer in requirement. Before then, we'd like to spend a bit more and we are planning to use my SIPP and my wife's DB scheme (when she is 58) to fund our pension, until it is replaced by the second NHS Pension and the state pensions. I never realised this would be so complicated to get my head around. When the mortgage is paid off, we'll have some money and should we concentrate in paying it into an ISA so that we can get an additional income without me having to pay higher rate tax, or should we set up a SIPP for my wife so that she can build up a pot of money that she can drawdown on from when she is 58. This would be with the aim of her utilising as much of her annual tax free allowance as possible. I've assumed there is no way that I can transfer part of my SIPP to her before I die. I very much hope that you can help. Best wishes, Steve    

Sex Ed with DB
Give Mindblowing Blowjobs with Shameless Sex Hosts Amy Baldwin and April Lampert

Sex Ed with DB

Play Episode Listen Later Oct 15, 2025 57:54


In this episode, DB talks with Amy and April from the FANTASTIC podcast Shameless Sex! It's the final episode of Season 12 all about pleasure, and we're talking all about blowjobs (or blowies -- or blobbies?)! Let's dispel some myths and talk all about how blowjobs can be pleasurable for everyone involved. Content warning This episode discusses coersion around oral sex -- both oral sex that has been coerced, and oral sex as a tool to coerce. To avoid this conversation, skip from minute 14 to minute 20. Take care of yourselves! Guest Details Amy is a Sex and Relationship Coach, Certified Sex Educator, lead educator for Uberlube, and was voted both 2022's and 2024's Sexpert of the Year. April is a Certified Sex Educator, Vice President of a sex toy company called Pipedream, and was also voted 2024's Sexpert of the Year. Together, Amy and April combined forces to create the Shameless Sex podcast, inspiring radical self-love, sexual empowerment, and shame-free intimacy. To learn more or to order their latest book Shameless Sex: Choose Your Own Pleasure Path to Unlock the Sex Life You've Been Waiting For, go to shamelesssex.com Product details Some products we mentioned in this episode: Überlube (SEXEDWITHDB for 10% off) The Magic Wand Waterproof throw Tenga Eggs Wicked Sensual Care butterscotch-flavored lube JIMMYJANE Hello Touch Pro finger vibes Use code SEXEDWITHDB for 15% off at Lion's Den! ABOUT SEASON 12 Season 12 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. CONNECT WITH US Instagram: @sexedwithdbpodcast TikTok: @sexedwithdbTwitter: @sexedwithdb Threads: @sexedwithdbpodcast YouTube: Sex Ed with DB SEX ED WITH DB SEASON 12 SPONSORS Lion's Den, Uberlube, & Magic Wand Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW 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. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 12 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Communications Lead: Cathren Cohen (she/her) Growth Marketing Manager and Producer: Wil Williams (they/them) 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!

The Big 3 IDP Podcast
Week 6 IDP Recap: Pour One Out for Fred Warner

The Big 3 IDP Podcast

Play Episode Listen Later Oct 14, 2025 109:34


Josh, Adam, and Bobby are joined by the Green Dot King himself, Mike Woellert, to run through the biggest linebacker developments from Week 6. After the break, the trio rips through all the DL and DB happenings before hitting waiver targets and point total leaders the last 3 weeks.0:00 Intro3:12 Fred Warner9:14 Logan Wilson16:49 Germaine Pratt23:03 Shaun Dolac32:21 Zack Baun36:08 Cedric Gray41:19 Payton Wilson44:47 MNF Updates48:14 Looking Ahead50:43 Young, Burns, Bonitto1:00:30 Crosby, Hutchinson1:03:47 Nick Herbig1:06:54 Byron Murphy II1:10:24 Falcons DL1:11:21 Oweh, Tuli1:13:00 Myles Garrett1:13:23 Josh Sweat1:16:28 Trey Hendrickson1:26:31 Top End DBs1:28:59 Brian Branch1:29:40 Auto-Start (DB Edition)1:32:43 Tykee Smith1:34:52 Waiver Targets1:38:48 Point Total LeadersCheck out our brand-new, free IDP start/sit tool, powered by Mike Woellert's weekly projections: https://idpstartsit.com/Subscribe to our YouTube channel for our other shows, The IDP After Show and All IDP.If you'd like to support the show, you can do so for just $5/month over at ⁠theIDPshow.com⁠. We've got some premium features for paid supporters that we know you'll enjoy. Follow us on Twitter ⁠@theidpshow⁠. Thanks for listening!

KNBR Podcast
10-14 Deommodore Lenoir joins Murph & Markus to discuss developing into a leader, Robert Saleh's impact, & who will step up in Fred Warner's absence for the rest of the season

KNBR Podcast

Play Episode Listen Later Oct 14, 2025 14:32


49ers DB & team captain, Deommodore Lenoir joins Murph & Markus to discuss developing into a leader, Robert Saleh's impact, & who will step up in Fred Warner's absence for the rest of the seasonSee omnystudio.com/listener for privacy information.

Rock N Roll Pantheon
Only Three Lads: The dB's Peter Holsapple - Top 5 Debut Solo Albums

Rock N Roll Pantheon

Play Episode Listen Later Oct 14, 2025 105:22


Based on his experiences on both sides of the record store counter, Peter Holsapple lovingly pokes a little fun at obsessive music nerds on a track from his new solo album : "I got A Love Supreme / I got a Soft Machine / I got the Dave Clark Five / I got Slade Alive / I got a Shonen Knife / I got Repeat When Necessary, Repeat When Necessary. I'm that kind of guy!" Yep, we're those kind of guys...and fortunately Peter is too, because he is our Third Lad this week! This week's discussion revolves around our Top 5 Debut Solo Albums - in other words, the first album released by an artist apart from or after their well known group. While you'd have to go back to 1997 for Peter Holsapple's official debut solo album, he's arguably just released his best yet - The Face of 68, out now on Label 51 Recordings. It's a tight, lean, rocking affair that finds the dB's singer/songwriter's knack for melody and songcraft still incredibly sharp after roughly 50 years of making records. Along with a deep dive into The Face of 68, we also chat about his proto-punk beginnings with Little Diesel, being shown how it's done by the legendary Alex Chilton, life on the road with R.E.M. and Hootie and the Blowfish, supergroup collectives the Continental Drifters, the Salt Collective, and the Big Star Quintet, and the flurry of dB's related activity including Propeller Sound Recordings reissue campaign and 2024's reunion shows. The Face of 68: ⁠https://peter-holsapple.bandcamp.com/album/the-face-of-68⁠ O3L Podperks: ⁠https://onlythreelads.codeadx.me Learn more about your ad choices. Visit megaphone.fm/adchoices

Friends at the Table
Perpetua 19: A Roar Across Cenn 01

Friends at the Table

Play Episode Listen Later Oct 10, 2025 116:23


Called to Cenn, City of Iron Chains, Caiomhe Wake, Antistrophe Landrace, Brontë Adelvys (and his two attendants), arrive to find crisis rumbling in burg. The Hexcloaks have quietly taken over town governance, while outside, tremors have turned to quakes, even bringing harm to the Ironclad Parade—the statuary whose inhabitants were once devotees to Castine, Living Metal. Perhaps such devotion is earned in part by the curious community that Castine has built here in Cenn since his arrival a century ago. While the archeological dig that gave Cenn its full moniker continues, the city is now known just as well for the smells of its sizzling food, its many seaside diversions, and the spiritual contemplation offered by the lunar temple that graces the moon resting at its center. There, Castine walks with pilgrims who have traveled seeking his company, his wisdom, or his divine favor. But however pure he's kept his temple, he could never keep it safe from the prying eyes of the other members of the Ennead: Ryme, Master of Ice. Lucena, Bringer of Light. Zephius, the Old Wind. Gritt of the Earth. Scintero, Living Bolt. Cinner, Soldier of Ash. Pharmakos the Poisoner. Caliginia, Fated Darkness. None of these divine beings are omniscient, and none omnipotent, but each is capable, powerful, and driven by their own ends, their own understanding of responsibility, and their own relationship to the Perpetuan Cycle.  “What must they think,” you might wonder, “about the Sourcerot, which threatens to end the world ahead of its scheduled decline? What must they think about these heroes journeying across continents in search of destiny?” Well, my own thoughts will be saved for now. But soon, in the city of Cenn, one so-called god will speak. This week on Perpetua:  Perpetua Guide [In Progress v.05] MiniGames and Side Activities [MGSA] Wordzin [MGWZ] In-Game Description: A word-association game with its origins in the Elevana League town of Burzin.    You're prompted with one word and then you're given a choice of words to pick that all could be associated with that first word. Your goal is to pick the same word as the second “dealer.” At first, I thought that this game was totally random, but after talking to people on the forum, it sounds like you can start to predict what style of word the computer will pick based on which dealer modeler is being used. The one with the long fancy mustache tends to pick adjectives fancy words and is the only one who uses adverbs. The lady with the big eyes tends to pick animals and weapons. The guy with the apron on picks verbs the most (but not exclusively). When you get the twin dealers, though, it IS totally random! I guess it's like they have an inside joke going? Calstega Cook Off! [MGCO] In-Game Description: After the success of the first cooking competition, the people of Northcrook decided to run a regular Cook Off competition as part of a ‘neighborhood revitalization' effort.   The game basically counts on you paying attention during the first time this minigame shows up, because there is NO tutorialization after that. You're just dropped back into the town as if you're not even in a minigame. Once I loaded a save and was confused why I couldn't even leave the screen, because I forgot I saved after starting the Cook Off!   So : Step 1: Pay attention to the theme of Cook Off is. They say this up top and will NOT repeat it. 2. Try to learn the judge's tastes. Most of the time you can do this through a few skill checks, but once I had to do a duel, and once they made me do this weird tower puzzle (a minigame INSIDE of a minigame!?). 3. Come with good ingredients. Even though you can normally buy ingredients inside of a settlement (you have been doing that, right?) you can't do it once you start the Cook Off! Beachminton [MGBM] In-Game Description: The favorite pastime of Cenn's beach goers. Hit the Sandy Shuttlecock onto your opponent's side, but be careful not to break it!   I don't know anything about real badminton, except that every single word associated with it is funny. But Beachminton is pretty simple: Look at the sand ball to see how close it is to breaking apart: if it's in crisis you can see sand falling off of it while its in slow motion between rounds. If it's close to breaking, try to hit it with your weakest character and use any tricks you can to do low damage. If it's not close to breaking, try to hit it as hard as you can. At least that's how I play! Hosted by Austin Walker (austinwalker.bsky.social) Featuring Janine Hawkins (@bleatingheart), Sylvi Bullet (@sylvibullet), and Keith J Carberry (@keithjcarberry) 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.  

Sex Ed with DB
Inside the Bedroom of a REAL Long-Term Couple (Between Us)

Sex Ed with DB

Play Episode Listen Later Oct 10, 2025 33:31


In this episode, DB talks to a real couple living in long-term monogamy and still getting so much pleasure and chemistry from each other. This couple's story is so sweet and fascinating, with some interesting twists and turns, culminating in a sensual routine that helps them stay connected. Looking to get that spark back with your partner? This couple's solutions may be less "spiced up" than you'd expect. Between Us is a new episode format where we speak with folks living through what some of our experts from other episodes have discussed! We're excited to bring you more intimate, one-on-one conversations with real people living their real lives about how sex and sex ed impact them every day. Learn more about the Bluebella Community Campaign here!www.bluebella.com/modern-sensuality ABOUT SEASON 12 Season 12 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. CONNECT WITH US Instagram: @sexedwithdbpodcast TikTok: @sexedwithdbTwitter: @sexedwithdb Threads: @sexedwithdbpodcast YouTube: Sex Ed with DB SEX ED WITH DB SEASON 12 SPONSORS Lion's Den, Uberlube, & Magic Wand Get discounts on all of DB's favorite things here! GET IN TOUCH Email: sexedwithdb@gmail.comSubscribe to our BRAND NEW newsletter for hot goss, expert advice, and *the* most salacious stories. FOR SEXUAL HEALTH PROFESSIONALS Check out DB's workshop: "Building A Profitable Online Sexual Health Brand" ABOUT THE SHOW 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. ASK AN ANONYMOUS SEX ED QUESTION Fill out our anonymous form to ask your sex ed question. SEASON 12 TEAM Creator, Host & Executive Producer: Danielle Bezalel (DB) (she/her) Communications Lead: Cathren Cohen (she/her) Growth Marketing Manager and Producer: Wil Williams (they/them) 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!

The Pat McAfee Show 2.0
PMS 2.0 1425 - Watt Wednesday, In the Trenches with AQ Shipley, Everything DB with Darius Butler, Roman Reigns, Emeka Egbuka, Stanford Steve, & AJ Hawk

The Pat McAfee Show 2.0

Play Episode Listen Later Oct 8, 2025 210:51


On today's show, Pat, AQ Shipley, Darius Butler, AJ Hawk, and the boys wrap up week 5 of the NFL season as AQ gives his five best offensive lines of the week and biggest takeaway's, and Darius Butler highlights the best DB play of the week, as well as chatting about last night's incredible Yankees comeback win against the Blue Jays in the ALDS, and Aaron Judge's massive moment. They are also joined by several great guests including JJ Watt to recap this last week in the NFL and look ahead to next week, The Tribal Chief, The GOAT, the Head of the Table, Roman Reigns, Buccaneers rookie WR superstar Emeka Egbuka, and Stanford Stever for Anudder College Football Convo. Make sure to subscribe to youtube.com/thepatmcafeeshow or watch on ESPN (12-2 EDT), ESPN's Youtube (12-3 EDT), or ESPN+. We appreciate the hell out of all of you, we'll see you on Overreaction Monday. Cheers. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Straight Outta Vegas with RJ Bell
The Best Of Covino & Rich

Straight Outta Vegas with RJ Bell

Play Episode Listen Later Oct 8, 2025 70:24 Transcription Available


C&R want a Yankees extension & celebrate Rich's birthday! Brewers get some shine with DB & Danny G. weighs-in on the Dodgers crazy 9th inning that held off the Phillies. Was last night a "good loss" for the Chiefs? Gross AI, Trevor F'in Lawrence & the Jags proving something! "Fat Guy Radio" & casual fans versus fanatics. KC Cheeks? Flacco might be ass? Plus, 'SHOWTIME MAHOMES TRIVIA!'See omnystudio.com/listener for privacy information.

Straight Outta Vegas with RJ Bell
Hour 1 - Yankees, Dodgers, Chiefs (& Brewers)

Straight Outta Vegas with RJ Bell

Play Episode Listen Later Oct 8, 2025 41:09 Transcription Available


Covino wants his Yankees to extend their series! Rich's life has extended into another birthday! Brewers get some shine with DB & Danny G. weighs-in on the Dodgers crazy 9th inning to hold off the Phillies. Was last night a "good loss" for the Chiefs? Plus, gross AI, Trevor F'in Lawrence & the Jags proving something!See omnystudio.com/listener for privacy information.

Tour Junkies: PGA Tour & Fantasy Golf
The 2025 Baycurrent (?) Classic Betting Show!

Tour Junkies: PGA Tour & Fantasy Golf

Play Episode Listen Later Oct 7, 2025 30:37


It's time for a PGA TOUR tourney this week folks and the guys are breaking down the...*checks notes...Baycurrent Classic. OK, that's what we're doing. The guys give some of their best bets and a little course info thanks to Bet the Number PLUS ask the age old question...Pam Anderson or Yasmine Bleath?*Join our DISCORD w/ over 1000+ golf loving, DFS & Betting fans | https://discord.gg/tourjunkies*Join BET THE NUMBER with code “TJ” at checkout & leverage the most powerful golf handicapping analytics site on the internet | https://www.betthenumbergolf.com/*Get elite betting content vetted and served just the way you li9ke it on SoBet. Make sure you use referral code "TJ2025" at sign up to get 1st month at $1 | https://sobet.io/register?referral_code=TJ&promo=TJ2025*Sign up for the “Chalk Bomb” emails for free that hit your inboxes every Tuesday & Wednesday | https://www.tourjunkies.com/chalkbomb/Linktree for social follows & more | https://linktr.ee/tourjunkiesEnjoy more free golf betting content on the Tour Junkies website! | https://www.tourjunkies.comLeave an honest iTunes Review. DB & Pat love reading all of these. It improves the show.Apple: https://podcasts.apple.com/us/podcast/tour-junkies-pga-tour-betting-dfs/id1047779421Spotify: https://open.spotify.com/show/0c50TtMGTMxYY88p3KQeIK?si=J5eCzz1kQJ-StbOtlub7IgEnjoy more free golf betting content on the Tour Junkies website!https://www.tourjunkies.com

Friends at the Table
Perpetua 18: Sizzling Rivalry, Crashing Waves! 04

Friends at the Table

Play Episode Listen Later Oct 4, 2025 170:53


After escaping one ambush in their hotel room and a second aboard the Buzzard Black, the crew of the Little Snail is finally preparing themselves for their climactic showdown with the deadly hitman, Genuine Sincere. They'll need the right location, the right gear, and the right magical protection. And then, of course, they'll need a little luck. This week on Perpetua: Sizzling Rivalry, Crashing Waves! 04 Perpetua Guide [In Progress v.04] NPCs & Monsters [PNMS] Genuine Sincere [NMGNS] Traits: Cold-Blooded, Bought, Veteran. Eagle-eyed Stats: DEX 10, INS 6, MIG 8, WLP 6 Attacks: Ancient Passikan Rifle Shot, Suppressive FIRE, COLD Snap, LIGHTNING Strikes Twice, A Shot in the DARK Special Abilities:  Countershot, Reinforcements, Take to the Sky (Crisis!) In-Game Description: Former colleague of Uncle Nicky. Veteran hitman in the service of....  As far as I'm concerned, this is the first real boss fight of the game, even if you're jumping between both West and East campaigns. The Kalsi fight has a potential “hard mode,” but you can stop it from even happening at all based on your choices. Genuine Sincere, on the other hand, will keep sniping at you until you finally fight him. (Though I am curious if the game ever forces a traditional fight with him, or if you can complete the whole campaign with him occasionally taking a potshot through your window. Anyone test this out yet?) All of that is to say: Come in prepared! First of all, keep any elemental weaknesses in mind (like Elena's weakness to bolt) because four out of the five attacks Genuine has are elemental in nature. Worse: He's the first enemy who can actively MAKE YOU WEAK to an element.  He can also debuff you in a number of different ways, so bring enough IP to Tonic your way through the fight if you need to. On top of all that he's a Villain and a Champion class enemy, so even if you try to grind to beat him, he's going to end up with a lot more HP than any one of your party members. Yikes. Oh, and did I mention, he isn't even alone? He starts the fight with a Hoodlum Mechanic [NMHMC] and a Gangster Killer [NMGKL] on his side, plus a (de)Activated BuilderBot [NMABB] that can be used against you if the Mechanic can get control of it. DON'T LET THAT HAPPEN. Starter Tip: As far as I can tell, you have three places you can confront Genuine in the city: The clock tower where he snipes you from as you enter (and when you're in the hotel.) The beach at Rose Shore (which is definitely the hardest, because of some enemies that can join from the sea). And one of the industrial buildings in Highrail. That last one is the hardest to setup, but BY FAR the easiest to win at. ESPECIALLY if you can manage to stop his “Reinforcements” ability to continually give him more Mechanics and Killers on his side! 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), 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.

The Rich Eisen Show
Hour 2: What's More Likely, MLB Playoffs Reactions, plus Jaguars RB Travis Etienne Jr

The Rich Eisen Show

Play Episode Listen Later Oct 3, 2025 46:17


Rich reacts to the NLDS matchups and to Yankees rookie Cam Schlittler fanning 12 in New York's Game 3 Wild Card win to oust the Boston Red Sox, and in ‘What's More Likely' Rich weighs in on the NFC West race, the Browns, Ravens, Broncos, Patriots, Raiders, Dolphins, Buccaneers-Seahawks, Chargers-Commanders, and more. Jaguars RB Travis Etienne Jr tells Rich what it's like to thrive in new head coach Liam Coen's offense, his response to those who say Travis Hunter should choose either DB or WR and not play both, and says what Jacksonville's formidable defense can prove on Monday Night Football against the defending AFC champion Kansas City Chiefs. Rich explains why he can't wait for Shohei Ohtani's playoff debut as a pitcher and batter. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Tour Junkies: PGA Tour & Fantasy Golf
The 10-Year Anniversary of the Tour Junkies!

Tour Junkies: PGA Tour & Fantasy Golf

Play Episode Listen Later Sep 29, 2025 62:35


DB and Pat sit down for a look back at 10 years of the Tour Junkies. Our first episode aired in September of 2015. We bring up some of our favorite moments, peel the curtain back and share some laid back laughs. We also take some time at the end of the show to thank all of you for the 10 years and discuss some of the recent life changes for DB & Pat and give a state of the union for TJ.*Join our DISCORD w/ over 1000+ golf loving, DFS & Betting fans | https://discord.gg/tourjunkies*Join BET THE NUMBER with code “TJ” at checkout & leverage the most powerful golf handicapping analytics site on the internet | https://www.betthenumbergolf.com/*Get elite betting content vetted and served just the way you like it on SoBet. Make sure you use referral code "TJ2025" at sign up to get 1st month at $1 | https://sobet.io/register?referral_code=TJ&promo=TJ2025*Sign up for the “Chalk Bomb” emails for free that hit your inboxes every Tuesday & Wednesday | https://www.tourjunkies.com/chalkbomb/Linktree for social follows & more | https://linktr.ee/tourjunkiesEnjoy more free golf betting content on the Tour Junkies website! | https://www.tourjunkies.comLeave an honest iTunes Review. DB & Pat love reading all of these. It improves the show.Apple: https://podcasts.apple.com/us/podcast/tour-junkies-pga-tour-betting-dfs/id1047779421Spotify: https://open.spotify.com/show/0c50TtMGTMxYY88p3KQeIK?si=J5eCzz1kQJ-StbOtlub7IgEnjoy more free golf betting content on the Tour Junkies website!https://www.tourjunkies.com