Podcasts about DCS

When did you move out? We have a 31 year old at home spending money like he's RICH! How old is to old to be living with Mama? Plus DCS talks Jay Z having some competition for Beyonce, new celebrity tequila and some struggle stories from the DCS youth years. 

DCS has an inspirational story about a five year old little girl that isn't letting a brain tumor slow her down or stop her from competing in a mutton bustin contest.  Plus DCS talks the new Jack Harlow album, 50 Cent & TI beef and why Dana has gone full buchona on us all. 

DCS is talking relationships and whether it's better to be friends before a relationship. Dana and Auto tell their personal story on how they got together. 

DCS hears stories of ultimate betrayal from people that once called these scum bags their best friends. Plus DCS talks Dr. Dre, flys on food, and the new Atari hotel that is coming. 

DCS gives the breakdown on what people can't afford right now. Plus DCS talks Britney's DUI and Seer Mari gives us all a spiritual reading. 

We had a new DCS listener call in to ask where she can meet some new ppl since she is new here. It turned into how did you meet your person. Plus DCS talks the new TV show "Love Story", things you pretend to like for your partner and what kind of person do you think you are vs what people actually think of you, 

We can't be the only people suffering from tip fatigue! DCS discusses all the places that want you to tip and how a major franchise was stealing from us using the tip calculator. 

In today's Down in the DM breakdown DCS is doing it a little differently and letting the women call in to brag on the great things their husbands do for them. Plus DCS talks Kelly Osbourne's dramatic look change. 

How can DCS be reformed? State Representative Walter Blackman joins to give ideas.

In today's "Crazy Crime of Passion" DCS discusses a schizophrenic man who terrorized a migrant farming community. Plus DCS talks Kim K's new man and plays "Who's Lying" w/ a DCS listener. 

Discover how Heatblur approaches the realistic modeling of the F-4 Phantom, including system fidelity, flight dynamics, and community-driven development. This episode offers an in-depth look into the challenges and triumphs of creating one of the most detailed aircraft simulations to date.Key Topics:The historical significance and design philosophy behind the F-4 PhantomResearch and data collection methods, including dealing with classified info and declassified manualsBuilding a flexible, component-based simulation framework (Anvil) for modular developmentFlight model accuracy: physics calculations versus lookup tables, handling, and aerodynamic nuancesThe modeling of aircraft systems such as hydraulics, electrical power consumption, and crew interface features like grease pencilsEmulating aircraft wear, damage, and the visual storytelling of maintenance historyThe importance of crew dynamics and simulating multi-crew operations through Jester and RIO AIFuture plans: Navy variants, electronic upgrades like D-MASS, and expanding the aircraft's historical variantsUnique challenges posed by foreign and museum aircraft modeling, including authenticity in cockpit wear and operational quirksCommunity collaboration and feedback in refining the module post-releaseResources & Links:⁠⁠Heatblur Simulations⁠⁠⁠⁠Jester AI System⁠⁠⁠⁠DCS World Official Site⁠⁠⁠⁠Historical F-4 Manuals & Documentation⁠⁠⁠⁠F-4 Phantom in DCS⁠⁠Note: This episode dives into technical and historical details to serve both aviation enthusiasts and sim pilots aiming for immersion. For specific modeling insights, system breakdowns, and future plans, stay tuned until the end! Hosted on Acast. See acast.com/privacy for more information.

Some group home teens may have been trafficking victims, DCS needs to explain. 

Good morning, Indiana School Leaders — As the General Assembly moves toward adjournment, the pace at the Statehouse has accelerated. Conference committees have dominated the week, and final votes may still be occurring as this message reaches you. In this week's Legislative Update Podcast, I focus on legislation that has officially crossed the finish line. At the time of recording, Governor Braun has signed four bills we've been following into law. Below you'll find direct links and a brief summary of each. ✅ HEA 1035 – Permissible Unsupervised Activity Author: Representative Teshka This new law defines "independent activity" and clarifies that a child is not considered a Child in Need of Services solely because a parent allows age-appropriate independence — including walking, biking, playing outdoors, remaining at home, or remaining briefly in a stationary vehicle. While not an education-specific bill, this legislation shapes the broader child welfare framework impacting our students and families. ✅ HEA 1195 – High School Equivalency Diplomas Author: Representative Davis This legislation extends pilot timelines through 2028 and requires students pursuing a High School Equivalency diploma to: Complete the Indiana Career Explorer program Complete a DOE-approved readiness assessment Effective upon passage. This reinforces structure and accountability within alternative diploma pathways. ✅ HEA 1325 – Special Education Author: Representative Pfaff HEA 1325 requires the Department of Education, in collaboration with the Indiana Department of Health, Department of Child Services, and the Office of the Secretary of Family and Social Services, to collect data and make recommendations regarding: Residential placements Developmental preschool Special education services With next year being a budget year, this data-driven approach positions Indiana for more informed conversations about special education funding and service alignment.     ✅ HEA 1036 – Children in Need of Services Author: Representative Wilburn This law requires the Department of Child Services to have in-person contact with an alleged victim before: Concluding an abuse or neglect assessment, and Dismissing or terminating a pending CHINS case. Given recent statewide discussion around DCS processes, this legislation strengthens procedural safeguards. School leaders — often mandatory reporters and partners in these cases — should be aware of this procedural shift. As session concludes, remember: IASP will continue monitoring conference outcomes and agency guidance and will provide additional updates as final language settles. Thank you for your leadership, your advocacy, and your steady presence for Indiana students.  

Dan is joined by local adoption and custody attorney Wende Rutherford who highlights some of the reasons DCS can't manage their workload of kids, and how people can help if they feel called + Chris Hand joins to talk to Dan about.....towels | aired on Friday, February 27th, 2026, on Nashville's Morning News with Dan MandisSee omnystudio.com/listener for privacy information.

Dan talks about how sad the DCS situation is and takes calls from listeners with first hand experience | aired on Thursday, February 26th, 2026, on Nashville's Morning News with Dan MandisSee omnystudio.com/listener for privacy information.

In todays "Crazy Crime of Passion" DCS looks into the alleged affair of US Congressman Tony Gonzalez and Regina Santos-Aviles, a former staffer who died after setting herself on fire. Plus Auto tells us about his Daddy Daughter weekend and DCS plays "Who's Lying" with a listener. 

DCS had a listener call in that has some conspiracy theories that actually hold water. Plus DCS talks Alyssa Liu, a marathon runner who won in jeans and Dana & Auto's parents are running up the electric bill!

DCS is talking time capsules from elementary school. Did you ever put anything in a time capsule back in elementary school? Auto's stuff might actually be worth money now! 

DCS is talking wedding superstitions. They're listing all the gifts you don't want to give the newly wed couple. Plus DCS talks about Eminem's Ex Kim's run in with the law, Drake and McDonald's collab and Auto and Dana give an update of their sick cat. 

In today's Down in the DM breakdown DCS talks to listeners about how they hooked up and debate wether its best to have love at first site or should you be friends first. 

Annie McDonough, senior City Hall reporter at City & State New York, talks about Mayor Mamdani's plans for a Department of Community Safety to send social workers instead of police officers to respond to mental health crises.

Welcome back to WithSONAR! In this episode we're diving into Supply Chain Intelligence (SCI)—our shipper-focused network analysis tool designed to help you cut costs, reduce risk, and gain more control over your transportation network. What you'll learn in this episode: Where to find SCI in SONAR and how to get access A walkthrough of the Summary View with spend, market comparison, risk, and opportunity insights How to use the Network View to identify challenging DCs and priority markets Lane-level analysis with rate comparisons, lane scores, and market difficulty Multi-modal insights with intermodal volume trends (when available) Risk & efficiency quadrants to guide procurement and carrier strategy Exporting network and lane views for RFPs and custom analysis How SCI supports smarter decisions in fragile market conditions SCI is available as an add-on under Applications in SONAR. If you don't currently have access, reach out to your Account Manager to learn more. We also have exciting updates planned this year—if you're interested in joining our Shipper Consortium, we'd love to chat.

DCS is talking everything Super Bowl besides the actual game. From Halftime with Bad Bunny to the funny commercials and even the national anthem. DCS breaks down the big game. 

Welcome back to WithSONAR! In this episode we're diving into Supply Chain Intelligence (SCI)—our shipper-focused network analysis tool designed to help you cut costs, reduce risk, and gain more control over your transportation network. What you'll learn in this episode: Where to find SCI in SONAR and how to get access A walkthrough of the Summary View with spend, market comparison, risk, and opportunity insights How to use the Network View to identify challenging DCs and priority markets Lane-level analysis with rate comparisons, lane scores, and market difficulty Multi-modal insights with intermodal volume trends (when available) Risk & efficiency quadrants to guide procurement and carrier strategy Exporting network and lane views for RFPs and custom analysis How SCI supports smarter decisions in fragile market conditions SCI is available as an add-on under Applications in SONAR. If you don't currently have access, reach out to your Account Manager to learn more. We also have exciting updates planned this year—if you're interested in joining our Shipper Consortium, we'd love to chat.

Our guest on this week's episode is Jake Heldenberg, director of sales engineering, Warehouse Solutions, North America at Vanderlande. We are only a bit more than a month into 2026 and it is hoped that automation companies will see a glimmer of hope after a somewhat uneven 2025. Our guest today offers insight into the automation market and he shares trends and predictions for the remainder of the year.Finding and retaining warehouse talent is a challenge these days. However, this week, Gartner released research about what companies are doing to address that challenge—and they found that warehouse and distribution center leaders are focused on developing better employee engagement strategies. And “gamification” is at the top of the list. Victoria Kickham reports.This week, Ben Ames took a deep dive this week into retail logistics when he attended the Retail Industry Leaders Association (RILA) annual Link trade show, held in Orlando. That's a show where you have a lot of the nation's biggest shippers and biggest carriers, all packed into the same convention center to talk about the retail industry. And with all those interests side by side, you get some really interesting conversations. Ben shares about some of the more interesting things he heard affecting the retail industry.Supply Chain Xchange  also offers a podcast series called Supply Chain in the Fast Lane.  It is co-produced with the Council of Supply Chain Management Professionals. A new series is now available on Top Threats to our Supply Chains. It covers topics including Geopolitical Risks, Economic Instability, Cybersecurity Risks, Threats to energy and electric grids; Supplier Risks, and Transportation Disruptions  Go to your favorite podcast platform to subscribe and to listen to past and future episodes. The podcast is also available at www.thescxchange.com.Articles and resources mentioned in this episode:VanderlandeReport: 40% of large warehouses and DCs to adopt gamification tools by 2028Tractor Supply finds more speed with less automationVisit Supply Chain XchangeListen to CSCMP and Supply Chain Xchange's Supply Chain in the Fast Lane podcastSend feedback about this podcast to podcast@agilebme.comThis podcast episode is sponsored by: WernerOther linksAbout DC VELOCITYSubscribe to DC VELOCITYSign up for our FREE newslettersAdvertise with DC VELOCITY

DCS is talking dating when they couple has a big age difference! Plus DCS talks Otters invading America, houseguests and why Dana and Auto have been fighting. 

DCS is talking about an alarming skin care trend that's happening with kids on Tik Tok. Plus DCS talks the Grammys, spending money without telling your partner, and the new trend with hotels that Dana does not like at all. 

DCS is breaking down the best new shows for kids while getting nostalgic about all the shows they watched growing up. 

This hour we had an important conversation with the director of DCS.

You have to hear today's "Crazy Crime of Passion" story! A woman is saved by her ex husband but the twist in the story is gonna have you saying WTF! Plus DCS talks Bella Hadid's break up, embarrassing moments, and plays "Who's Lying" w/ a DCS listener. 

DCS is venting today! Both men and women are getting it! Plus DCS talks your keeping kids safe on the internet, a woman giving birth and she didn't know she was pregnant, and Kanye's written apology. 

Maybe you knew they had another person in your their life, maybe you didn't and you found out later. DCS hears from listeners that were that started as the side piece and it all worked out. Plus DCS talks to Seer Mari, hears what ASAP Rocky has to say about Rihanna and this weather!!!

DCS and listeners discuss a couple that is going through a tough time because he's spending money on adult internet sites. Plus DCS talks about the long term health benefits of getting married and Auto sings some iconic commercial jingles.

Somewhere in the multiverse, a cleric just whispered "I prepared Bless," and three dice immediately rolled higher out of pure fear. Because clerics aren't "the healbot," they're the divine Swiss Army knife: buffer, debuffer, front-liner, artillery, investigator, walking lie detector, and occasionally the person who politely asks a demon to leave and the demon actually does. Today we're building clerics from levels 1–10: how to pick your domain, what to prepare, how to stop wasting actions, and how to make your table say, "Wait… clerics can do that?" Show notes Cleric identity at levels 1–10: You're a full caster with armor, a strong action economy toolkit, and some of the best "party-wide value per spell slot" in the game. Choosing a Domain (Subclass) with intent What each domain wants to do in combat (frontline, blaster, controller, support, utility). How domain spells shape your "default prep list." The hidden question: "Do I want to solve problems with my action, my bonus action, or my reaction?" Ability scores and build priorities Wisdom as your engine (save DCs, prepared spells, key features). Constitution for concentration survivability. Strength vs Dexterity depending on armor and weapon plans. Armor, weapons, and "being accidentally hard to kill" Light/medium/heavy armor considerations. Shield math and when it's worth it. Weapon use: when it's a trap, when it's correct, and how cantrips change the calculus. Cantrips that actually matter Core combat cantrips (and why "I guess I'll swing my mace" is usually a cry for help). Utility cantrips that quietly win sessions. Spell preparation that doesn't make you cry Your "always-good" staples (buffs, heals, control, utility). How to prep for unknown adventuring days without over-prepping niche tools. Concentration discipline: the real cleric skill. Channel Divinity: use it early, use it often Turning Undead and its situational dominance. Domain Channel Divinity options as mid-tier power spikes. How Channel Divinity changes your "resource rhythm" between short rests. Level-by-level power spikes (1–10) L1: Domain + armor + Bless = "party performance enhancement plan" L2: Channel Divinity arrives (and suddenly your subclass has teeth) L3: 2nd-level spells broaden your problem-solving L5: 3rd-level spells are the "cleric becomes a headline" moment L6–8: subclass features + improved survivability + cantrip/weapon upgrades L9–10: 5th-level spells and consistent encounter impact Table role: how to be a cleric without becoming the babysitter Healing as a tool, not a lifestyle. Preventing damage and ending fights faster as the "real healing." Coordinating with your party so your buffs land where they matter. Key Takeaways  Start with your cleric job description Pick one primary role and one secondary role: Support/Buffer (primary) + Controller (secondary) Frontline (primary) + Support (secondary) Blaster (primary) + Utility/Support (secondary) Most clerics get in trouble when they try to be all of these every round. Concentration is your true hit point total A cleric who keeps concentration up is a force multiplier. A cleric who drops it every other round is a very polite person wearing armor. Practical habits: Don't stack concentration spells in your head like a wishlist—pick one plan per fight. Invest in Con saves/survivability decisions early. Position like you're important (because you are). Your "default fight plan" should fit on an index card Example templates: Support opener: Concentration buff → sustain/position → emergency heal only when it flips the encounter. Control opener: Concentration control → maintain distance/cover → punish clustering. Frontline opener: Concentration buff/control → stand where enemies hate it → force bad choices. Healing is strongest when it changes the math right now In-combat healing shines when it: Prevents an ally from going down before they lose their next turn, Buys a crucial round of actions, Keeps a key damage dealer online, Or pairs with control/positioning to stop the "down-up-down" cycle. Otherwise, healing between fights (and prevention during fights) is often more efficient. Domain spells and Channel Divinity are your build's "signature moves" If you're not using your domain's unique tools regularly, you may have picked a domain whose play pattern you don't actually enjoy. Levels 1–10 clerics win by being the most consistent person at the table You don't need perfect optimization to be great—clerics reward: Reliable concentration, Smart positioning, Prepared spells that solve common problems, And knowing when to spend resources to swing an encounter. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

Somewhere in the multiverse, a cleric just whispered "I prepared Bless," and three dice immediately rolled higher out of pure fear. Because clerics aren't "the healbot," they're the divine Swiss Army knife: buffer, debuffer, front-liner, artillery, investigator, walking lie detector, and occasionally the person who politely asks a demon to leave and the demon actually does. Today we're building clerics from levels 1–10: how to pick your domain, what to prepare, how to stop wasting actions, and how to make your table say, "Wait… clerics can do that?" Show notes Cleric identity at levels 1–10: You're a full caster with armor, a strong action economy toolkit, and some of the best "party-wide value per spell slot" in the game. Choosing a Domain (Subclass) with intent What each domain wants to do in combat (frontline, blaster, controller, support, utility). How domain spells shape your "default prep list." The hidden question: "Do I want to solve problems with my action, my bonus action, or my reaction?" Ability scores and build priorities Wisdom as your engine (save DCs, prepared spells, key features). Constitution for concentration survivability. Strength vs Dexterity depending on armor and weapon plans. Armor, weapons, and "being accidentally hard to kill" Light/medium/heavy armor considerations. Shield math and when it's worth it. Weapon use: when it's a trap, when it's correct, and how cantrips change the calculus. Cantrips that actually matter Core combat cantrips (and why "I guess I'll swing my mace" is usually a cry for help). Utility cantrips that quietly win sessions. Spell preparation that doesn't make you cry Your "always-good" staples (buffs, heals, control, utility). How to prep for unknown adventuring days without over-prepping niche tools. Concentration discipline: the real cleric skill. Channel Divinity: use it early, use it often Turning Undead and its situational dominance. Domain Channel Divinity options as mid-tier power spikes. How Channel Divinity changes your "resource rhythm" between short rests. Level-by-level power spikes (1–10) L1: Domain + armor + Bless = "party performance enhancement plan" L2: Channel Divinity arrives (and suddenly your subclass has teeth) L3: 2nd-level spells broaden your problem-solving L5: 3rd-level spells are the "cleric becomes a headline" moment L6–8: subclass features + improved survivability + cantrip/weapon upgrades L9–10: 5th-level spells and consistent encounter impact Table role: how to be a cleric without becoming the babysitter Healing as a tool, not a lifestyle. Preventing damage and ending fights faster as the "real healing." Coordinating with your party so your buffs land where they matter. Key Takeaways  Start with your cleric job description Pick one primary role and one secondary role: Support/Buffer (primary) + Controller (secondary) Frontline (primary) + Support (secondary) Blaster (primary) + Utility/Support (secondary) Most clerics get in trouble when they try to be all of these every round. Concentration is your true hit point total A cleric who keeps concentration up is a force multiplier. A cleric who drops it every other round is a very polite person wearing armor. Practical habits: Don't stack concentration spells in your head like a wishlist—pick one plan per fight. Invest in Con saves/survivability decisions early. Position like you're important (because you are). Your "default fight plan" should fit on an index card Example templates: Support opener: Concentration buff → sustain/position → emergency heal only when it flips the encounter. Control opener: Concentration control → maintain distance/cover → punish clustering. Frontline opener: Concentration buff/control → stand where enemies hate it → force bad choices. Healing is strongest when it changes the math right now In-combat healing shines when it: Prevents an ally from going down before they lose their next turn, Buys a crucial round of actions, Keeps a key damage dealer online, Or pairs with control/positioning to stop the "down-up-down" cycle. Otherwise, healing between fights (and prevention during fights) is often more efficient. Domain spells and Channel Divinity are your build's "signature moves" If you're not using your domain's unique tools regularly, you may have picked a domain whose play pattern you don't actually enjoy. Levels 1–10 clerics win by being the most consistent person at the table You don't need perfect optimization to be great—clerics reward: Reliable concentration, Smart positioning, Prepared spells that solve common problems, And knowing when to spend resources to swing an encounter. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

New HCs, OCs, DCs, why nobody wants Philly, and CG predictions

DCS discusses how you handle a break up/divorce when it comes to the kids. Plus DCS is talking the new J. Cole album!

It's another Meaningful Money Q&A, taking in the £100k tax trap, splitting pensions on divorce, safely switching investment platforms and much more! Shownotes: https://meaningfulmoney.tv/QA38    01:59  Question 1 Hi Roger and Pete, Long time listener, first time questioner. My wife and I have both earned in excess of £100k for a few years now, meaning I am acquiring a peculiar set of skills on the various ways to use pension contributions, rollover allowances, gift aids, etc to keep us both below the (entirely bananas) £100k cliff-edge each year. My question is on the £60k pension annual allowance. Does it only apply to the amount of pension savings in a given year which can be made without paying a tax charge, or does it also count as the maximum amount of pension deduction which can be taken to calculate net adjusted income as part of completing our tax returns? The (slightly over-simplified) situation in my mind is that if I earned £160,500 in a given year, I would prefer to pay £61k into a pension, thereby reducing my net adjusted income to £99,500 to stay below the cliff-edge, even if I had to pay 40% tax on the extra £1000 above the pension annual allowance. As a fun aside, I asked this to my preferred AI - and I leave a link to see if you agree with it's answer or not  - https://g.co/gemini/share/8c23e91cb658 Stephen 07:58  Question 2 Hello Pete & Roger Listen and enjoy all your podcasts regularly but every now and again you get one that addresses specific points to the individual listener. For me it was Podcast QA18. A really great podcast. 1. The 2015 changes to pensions made  significant differences to pensions and most financial experts have rightly advised using your pension as one of the best places to put savings. It does seem unfair that you plan your savings and pensions well in advance for retirement based on government rules. and then you you find you are likely to have a sizeable IHT bill. At 78 it is difficult to turn the ship around quickly. Many more people will be affected by this over the next decade. The main reason however for my question relates to ways to reducing the effects of this IHT change. The general allowances and the 7 year rule are all clear. However the main exemption that could help is the little used Gifts form Excess Income. I have read up as much as I can and the whole system seems rather vague and many things open to interpretation, even by financial experts. There is no clear and precise set of rules whereby you can be certain something is capital or income. Your executor will have to understand all this and have all the back up documentation to convince HMRC that the gifts are justified.  I do have excess income and spent significant time over the past weeks analysing all our expenditure and income sources ending up totally confused and with a severe migraine. Any advice on how best to handle this can of worms would be appreciated. 2) So many of us these days have children living in different countries with their families. All with different citizenship and residency situations in different countries. There seems to be very little information about  IHT and general tax issues in relation to gifts and inheritance of money and pensions for children and grandchildren in this situation.  Best regards, Peter   16:52  Question 3 Hello Roger and Pete, Thanks for a great series of podcasts. Some of them confirm what I already know and some give me insights, ideas and an understanding I didn't have. You provide a great service. My wife and I are 54 and 55. We are getting divorced. The divorce is amicable and we want to share everything evenly. I take home £5k/month and she takes home £2.3k. We will split this evenly as long as we both work. Our pension funds are not of equal value. I have DCs and SIPPs worth £800k and ISAs worth £100k. I also have a small DB pension that will pay out about £3k/year in today's money at age 67. My wife has a DC pension worth £210k and ISAs worth £220k. She has a DC pension that will pay about £2.5k/year in today's money at age 67. As you can see, the majority is in my name. This makes sense as I have worked whereas she has taken time off to raise our children. We have equal claim to the money in my mind. I think the ISAs are straight forward. We can balance the value by selling some of hers and investing more in my name. The DC pensions are more difficult. By right I should give her £295k to make them of equal value but how do we do this? We want to avoid expensive solicitors and accountants but are not sure if we can DIY this. Please share any advice you can give. Regards, Jay   25:43  Question 4 Hi Pete and Roger, Thanks so much for what you do with the podcast. It's completely changed my approach to my finances, especially over the last year which has felt even more important after the birth of my son. I have a question about investment platforms. I currently have about £70,000 invested in passive world index trackers via a platform. I estimate my total annual fees including fund and platform fees to be about 0.66% pa. I don't think this is terrible but I think it could be less. I'm considering transferring my investments (which is a mixture of stocks and shares ISA, LISA and (very small) SIPP) to a cheaper platform. Do you have an advice on the transfer process, especially in whether to transfer all the funds in one go or is there a strategy you'd recommend to avoid falling foul of market fluctuations? Thanks, Jack 30:47  Question 5 Hi Pete and Roger, You guys are the best. You've given me my only financial education. Never underestimate what a difference you are making to ordinary people's lives. THANK YOU. I am 42 years old saving into my workplace DC pension. I have a bit of a gap because I started late and then freelanced for a few years, so playing catch up, but thanks to you both, seeing the positives in this, rather than beating myself up. I am basing the 'gap' on not quite having 3x salary saved by age 42 - is that a decent rule of thumb? As you both say, arming people with knowledge can be a good thing and a bad thing, because armed with this new knowledge we can go off and overcomplicate things. I decided to pull my pension from the default fund and pick 6 funds. What's the best route for working out if I am paying too much in fees, if I have got too much crossover across funds, and if the more pricey ones are worth it?  Do I need to get financial advice or could I do this myself (being a complete layman obvs)?  Do you have any tips on the process of comparing, finding inefficiencies and consolidating? What's a reasonable number of funds would you say? 3? 1?  BTW I've done the same thing with my ISAs since they let us have more than one. How do you just pick one and stick with it, and not get distracted by the new shiny providers? It seems like newer, better products and platforms come out all the time. Or am I worrying unnecessarily and might it be ok to have fingers in many pies? Thanks again for all you do. Hayley 37:47  Question 6 Thanks for all the content, I listen to every episode and often share the pod with others to share the good word! My partner will soon be able to get her NHS pension. While we were looking at the numbers, I began to wonder whether there is any benefit in taking the maximum lump sum and investing it outside of the pension. My thinking was that she would probably be able to generate the same amount of income from investing it in the stock market, but that when she dies she will be able to pass the capital on, whereas her pension will just stop paying out. I think the maximum she can take is about £70k. Presumably she could put this in a GIA and feed it into an ISA over a few years, accepting that any gains in the GIA would be subject to tax. I just wondered if there were any other tax implications that I hadn't considered? If not, then presumably it's just a case of comparing the drop in the annual pension payment against the expected returns (after tax) from investing outside the pension? Would love to know your thoughts on this. Thanks again, and keep up the good work. Tim

Yes that FOREVER was in the voice of Squints from the Sandlot. DCS brings on a woman that has been married happily for the past 44 years and she's giving us all they keys to a great marriage. 

In today's "Down in the DM" breakdown DCS talks about a woman who is being left by her boyfriend because he doesn't feel right about her leaving her kids at her Moms all the time. 

In today's "Crazy Crime of Passion" story DCS talks about a woman who found out her man was cheating and decided to burn it all down. You have to hear this! 

DCS is talking addiction today. When does it just become to much to take any more? Plus DCS talks Lizzo in a swimsuit, asking for favors and eating plastic. 

Loaning out anything especially money can go badly, DCS has some stories to tell. Plus DCS is going to marry a couple that has been together for 15 years!

In today's "Crazy Crime of Passion" DCS breaks down a tragic 911 call made by the daughter of a couple fighting. DCS also plays "Who's Lying" with a listener and talks Kanye West's album Graduation. 

David and Ryan react to the 2026 schedule shake-up, then dig into Georgia State's new defensive setup with Cam Clark (Duke) and John Haneline (Youngstown State)—what co-DCs could mean on game day, recruiting, and identity. On the hardwood, they ask whether the Panthers are turning a corner after a 64-point second half and an 11-threes heater, and preview the home stand vs App State and Marshall (plus a lookahead to the NIU date). There's portal and NIL reality, a kicker heading SEC-ward, and the usual fan-experience notes—all wrapped in a “Schedule Bomb” kind of week.Follow usWeb: http://stateofatlanta.comFacebook: http://facebook.com/STATEofAtlantaTwitter: http://twitter.com/STATEofAtlantaYouTube: https://www.youtube.com/@STATEofAtlantaSupport the showPatreon: http://patreon.com/STATEofAtlantaRock our swagMerch: http://merch.STATEofAtlanta.com

Ten-year-old Rebekah Baptiste was so desperate to escape abuse that she ran away from home and begged strangers for help months before her death, according to police. Now, her father Richard Baptiste and stepmother Anicia Woods face murder and child abuse charges. Law&Crime's Jesse Weber is joined by former prosecutor Marian Braccia to analyze the fatal mistakes authorities made in returning Rebekah to her abusers and the push for accountability in Arizona's DCS.PLEASE SUPPORT THE SHOW:Take your personal data back with Incogni! Use code SIDEBAR at the link below and get 60% off an annual plan: https://incogni.com/sidebarHOST:Jesse Weber: https://twitter.com/jessecordweberLAW&CRIME SIDEBAR PRODUCTION:YouTube Management - Bobby SzokeVideo Editing - Michael Deininger, Christina O'Shea, Alex Ciccarone, & Jay CruzScript Writing & Producing - Savannah Williamson & Juliana BattagliaGuest Booking - Alyssa Fisher & Diane KayeSocial Media Management - Vanessa BeinSTAY UP-TO-DATE WITH THE LAW&CRIME NETWORK:Watch Law&Crime Network on YouTubeTV: https://bit.ly/3td2e3yWhere To Watch Law&Crime Network: https://bit.ly/3akxLK5Sign Up For Law&Crime's Daily Newsletter: https://bit.ly/LawandCrimeNewsletterRead Fascinating Articles From Law&Crime Network: https://bit.ly/3td2IqoLAW&CRIME NETWORK SOCIAL MEDIA:Instagram: https://www.instagram.com/lawandcrimeTwitter: https://twitter.com/LawCrimeNetworkFacebook: https://www.facebook.com/lawandcrimeTwitch: https://www.twitch.tv/lawandcrimenetworkTikTok: https://www.tiktok.com/@lawandcrimeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode I discuss the following: ⭐️ The Spin: Happy New Year & New Years Rockin Eve traditions / Stranger Things finale Dragon season card ranks! ⭐️ marvel snap Best & Worst of 2025 - my personal best things in the game and the things I disliked that happened through 2025 ⭐️ my favorite season pass card of the year ⭐️ my current spot on ladder and the deck I'm playing ⭐️ Fantomex in comics (origin/ first appearance & comics you can find him in). Also my book picks of the week ⭐️ MCU minute .. review of the second Doomsday trailer (THOR) And looking forward to all the marvel stuff coming in 2026 along with other films I'm excited for and DCs slate of films and shows ⭐️ PIxel Perspective .. video games I'm playing ⭐️ Lyric challenge .. were you paying attention?

DCS is waring/talking scamming stories and plus a listener calls in with his story of cheating with his boss. 

Its that time of year and like it or not you're probably gonna have to interact with the Ex cause of Christmas. DCS talks those parking lot exchanges.