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Affordable Interior Design presents Big Design, Small Budget
Betsy Helmuth kicks off the episode with an introduction before diving into patio design and entertaining tips. She addresses a listener question from Kim in Hoby Sound, Florida, followed by a sponsor message. Betsy provides a detailed analysis and recommendations for Kim's space, discussing the role of professional design intervention. The episode concludes with closing remarks and submission guidelines for future listener questions. Timestamps: 0:00 Introduction by Betsy Helmuth 0:23 Patio design and entertaining tips 6:28 Listener question from Kim in Hoby Sound, Florida 10:41 Detailed analysis and recommendations for Kim's space 15:27 The role of professional design intervention 16:20 Closing remarks and submission guidelines - Creating an inviting outdoor space using the same design principles as indoor spaces can significantly enhance your social gatherings and overall enjoyment. - Incorporating an inspiration piece that ties together the existing color palette can transform mismatched furniture into a cohesive and stylish setup. - For complex and open-concept spaces, using a detailed floor plan system and thoroughly considering all layout options are crucial steps to achieving a functional and aesthetically pleasing design. Links: Uploft.com AffordableInteriorDesign.com Submit your design questions to be featured on the show Become a Premium Member and access the bonus episodes Click here to become an interior designer with Uploft's Interior Design Academy. Get Betsy's book: betsyhelmuth.com/book For more about our residential interior design services, visit ModernInteriorDesign.com For our commercial interior design services, visit OfficeInteriorDesign.com Follow Us: Instagram: @uploftinteriordesign Facebook: facebook.com/UploftIntDes TikTok: tiktok.com/@uploftinteriordesign LinkedIn: linkedin.com/company/uploft-interior-design If you enjoy the show, please spread the word and leave a review on iTunes! Learn more about your ad choices. Visit podcastchoices.com/adchoices
Send a textGood As New is BACK — and we have a LOT to catch up on.After nearly a year of silence, but we're finally returning to your earbuds, and trust us — the hiatus was not without reason. In this long-awaited Season 2 premiere, we sit down with zero game plan and full hearts to catch you up on everything that went down while we were gone. And spoiler: it was a lot.From my (Rylee) wild journey of building and opening my own salon from the ground up — the late nights, the inspections, the chaos, the tears, and ultimately the triumph. Plus, a Christmas surprise I never saw coming (hint: it has four legs and answers to Tricky).Jaj gets raw and honest about the moment her and John's relationship hit its breaking point — for the second time. She walks us through the heartbreak, the move into a new home, the loneliness of starting over in a neighborhood full of young families, and the moment everything changed with a knock at the door and a man in a suit on one knee. Yes, that happened. And yes, there's a video.From a bachelorette trip in San Clemente (Brody Jenner sighting, anyone?) to a Thursday wedding at Snow Pine Lodge that had everyone in tears — except somehow the bride — this episode is a full-blown catch-up that will have you laughing, crying, and cheering these two on all over again.They're back. They're better. And we've got some BIG plans we can't wait to tell you all about!Welcome home.
Jason Chats with Emily Vincent and Jonathan Chaffer.
German grammar is known for being precise and a bit intimidating. But if offers far more room for play than most learners realise. In this episode, we take a light-hearted look at this "scary" topic and show how you can acutally have fun with German grammar. Our guests are Mareike Schmidt, DAAD lecturer at the University of Auckland, and linguist Leo Kretzenbacher. - Die deutsche Grammatik gilt als streng und schwer zugänglich. Dabei steckt in ihr mehr Spielpotential, als wir ahnen. In dieser Episode nähern wir uns dem "Angstthema" Grammatik - und haben Spaß dabei. Unsere Gäste sind Mareike Schmidt, DAAD-Lektorin an der University of Auckland, und der Linguist Leo Kretzenbacher.
Don and Dude keep the “I Love the 80s” journey moving into 1986, when pop music turned glossy, global, and emotionally grown-up while hip-hop kicked down the door to the mainstream and refused to close it. One of us drops the needle on a blockbuster art-pop record that turned a former prog-rock oddball into an MTV-era icon, and the other cranks a Queens rap classic where drum machines, DJ wizardry, and rock guitars collide to launch hip-hop into its album era.The Albums Peter Gabriel – So (1986) Peter Gabriel's fifth solo LP trades full-on prog theatrics for a song-focused blend of art-pop, soul, and worldbeat that still feels intimate and strange even as it aims for stadiums. "Red Rain" and "Sledgehammer" frame the record's range, from cinematic storms and ritual grooves to horn-driven 60s-style soul reimagined as big-budget 80s pop. "Don't Give Up," a duet with Kate Bush, turns Linn drums and warm keys into a slow-motion conversation between despair and reassurance that speaks to unemployment, depression, and stubborn hope. Deep cuts like "That Voice Again," "Mercy Street," "Big Time," "We Do What We're Told," and the Laurie Anderson collaboration "This Is the Picture" keep the emotional arc intact while proving that production maximalism and adult subject matter can still hit like pop.Run-D.M.C. – Raising Hell (1986) By 1986, Run, DMC, and Jam Master Jay had already changed rap once; Raising Hell is where they change the world's idea of what a hip-hop record could be. Peter Piper opens with the bell-driven Bob James break, 808 thump, and nursery-rhyme flips that double as a DJ showcase and statement of intent. "Walk This Way" rebuilds a 70s rock riff into a hip-hop framework, smashing the wall between rock radio and rap while relaunching Aerosmith and blasting Run-D.M.C. into MTV rotation. "It's Tricky" and "My Adidas" sharpen their minimal drum-machine-and-scratch template into pure hooks, while "Proud to Be Black" closes as a history lesson and manifesto that points toward the coming wave of conscious rap.Diggin' Albums Jay Buchanan – Weapons of Beauty (2026) The Rival Sons frontman strips away the big rock theatrics for a rootsier, Americana-leaning solo set, focusing on weathered vocals, open-sky arrangements, and songs that feel like they were written on long drives and sleepless nights.Genesis – Invisible Touch (1986) Phil Collins, Tony Banks, and Mike Rutherford lean fully into shiny 80s pop on their biggest commercial triumph, stacking drum-heavy radio singles and bright synths around a few lingering prog instincts on the longer cuts.Susanna Hoffs – The Lost Record (2024 / recorded 1999) A once-shelved garage-made collection that captures the Bangles singer reshaping her identity at home with a new baby and a circle of songwriter friends, marrying jangly pop, adult introspection, and late-90s alt-rock warmth.Kirsty MacColl – Real (2023 / recorded 1983) Finally released in full decades after being shelved, this early 80s set frames MacColl's sharp, clear voice with icy synths and programmed rhythms, revealing a tougher, more new-wave edge than her later, better-known work.Follow & Support Follow the show on Instagram, Facebook, Threads, and Bluesky @albumnerds, and support by subscribing, rating, reviewing, and sharing.“Well, I guess that's the difference between you and me. You wanna lose small, I wanna win big.” – Maverick, played by Tom Cruise in 1986's Top Gun.
National Weather Service meteorologist Dave Thomas has the forecast.
I have an uncle who used to sing the craziest (and often off-color songs). He was a WWII vet and looked like the Canadian actor Lorne Greene. He would rip out the kinds of songs that sailors sang and I would rush to write down the lyrics so I could learn them. And learn them I did. The hard way. It was irritating and frustrating. Even though they say the hand builds the mind and it wasn’t the end of the world that I spent so much time writing them down and rewriting them, I was still relying on rote learning. If only I knew then what I know today about memory techniques! You see, I now memorize and regularly demonstrate poems I’ve committed to memory almost every month during my live memory training bootcamps. I’ve memorized everything from ancient Sanskrit poems to some of the most inventive contemporary poetry. And today I’m going to share a few case studies and key tips I know you’re going to love. How to Memorize Poetry Fast The fastest way I know to memorize poetry involves a combination of ancient memory techniques. These are: The Memory Palace Technique Alphabetical association Numerical association (where relevant) Spaced repetition based on solid active recall principles Now, I know that weaving together so many memory techniques to memorize poetry or even song lyrics, sounds like a lot. But if you want to memorize poems fast, stick with me. Bringing all of these strategies together is much easier than it might seem at first glance. But first, let me demonstrate that I can actually memorize poetry. I believe proof is important because there are a lot of people out there who talk about skills they cannot do. In the case of mnemonics, there are even entire forums filled with people giving advice about memory techniques when they clearly haven’t lifted a finger to memorize a poem. That, or they’ve used rote memorization and are only pretending they used mnemonics. So with those issues in mind, here are a few examples. Please be sure to watch each example because I will refer back to these recitations to help you rapidly memorize poems of your own. Example One: A Univocalic Poem In this video, you’ll see me at the Memory Palace Bookshop I’m developing practicing the recitation of a univocalic poem by Christian Bök: https://youtube.com/shorts/b6oFIOnAwng?feature=share That’s from a fantastic book of poetry called Eunoia. Example Two: Shakespeare This video not only shows me reciting lines from Titus Andronicus. It includes a very important teaching point. That’s because I also demonstrate reciting the lines forward and backward to help teach you how to more easily commit even the most difficult poem to memory using a process I call Recall Rehearsal: https://youtu.be/nhjIkGu32CA?si=s6gIJz6Poq9Zpo6C&t=1380 Now, I regularly memorize Shakespeare. But in the case of the example shared in the video above, I had a special purpose in mind. I was doing it to reproduce the memory technique Anthony Hopkins describes in his autobiography. Here’s the full case study. Example Three: Song Lyrics In this video, you’ll see and hear me singing a famous song called The Moon Represents My Heart in Chinese: https://youtu.be/dCyPV6qfKkI The entire song took just over forty minutes to commit to long-term memory. Even though it’s been a few years since I sang the whole song, I still remember most of the lyrics to this day. Every once and awhile, I whip it out and it always brings a smile to my wife’s face. The reason this Chinese poem set to music took a bit longer to memorize other poems I’ve memorized is because it’s in a foreign language that I was only just beginning to study at the time. Example Four: Poetry Quoted in a Speech When I wrote my TEDx Talk, I incorporated lines from a Sanskrit piece called the Ribhu Gita. This was an interesting challenge because it called me to recall the speech and the poetry that had already been memorized. https://www.youtube.com/watch?v=kvtYjdriSpM This particular performance was a lot of fun, but also challenging due to the combination of a live audience, cameras and the fact that the world was starting to go into lockdown at the beginning of Covid. I had a lot on my mind, but thanks to the memory techniques you’re about to discover, I still think the talk came off fairly well. It’s been seen over four million times now, so I must have done something right. Example Five: Real-Time Poetry Memorization If you want to see me memorize in real time, check out this discussion with Guru Viking. Steve, the host, throws Shakespeare at me and I memorize a few lines and discuss how I did it in real time: https://www.youtube.com/watch?v=J62IN_ngYH0 Now let’s get into the steps, many of which come directly from my premium course on memorizing poetry. Step one: Use the Memory Palace Technique A Memory Palace is essential for memorizing poetry, or anything verbatim. What is this technique? A Memory Palace is a mental recreation of a familiar location. For example, in the first video example above from the poem Eunoia, I used my mom’s home from where she lived years ago. I moved from the master bedroom to the kitchen and living room, to a few other bedrooms and finally out the door and down the driveway in front of the house. How to Memorize a Poem in an Hour (or Less) Using This Technique Using the method of loci, you place mnemonic images along a mental journey. As I just mentioned, I started in one room, then moved to the kitchen, the living room, and so forth. On each corner and wall, I placed an association. For example, for the line, “Awkward grammar appals a craftsman,” I placed an image of Apollinaire in a state of awe changing into being appalled. Now, what exactly it means to “place” an association along a journey in an imaginary version of a building can feel a bit abstract in the beginning. But basically, you’re taking a corner, a wall or a piece of furniture and elaborating it with strange, exaggerated ideas and feelings that remind you of each word of the poem or song lyric. You can do it in any language and if you look at the Guru Viking video above, you’ll see me demonstrate exactly how and why it works in any language. In that particular example, I use the wall behind me for Shakespeare in the same way I memorize Sanskrit phrases when memorizing ancient mantras. To Speed Up The Process When You’re Just Starting Out, Do This Learning to use the Memory Palace technique can feel challenging in the beginning. To reduce the cognitive load, I suggest making a quick sketch of a familiar location that you will turn into a Memory Palace. You don’t have to be artistic. I don’t try to make fine art of it at all. To wit, here’s a quick sketch of a bookstore in the Zamalek area of Cairo I have used many times to memorize poetry and other types of information: A Memory Palace drawn on an index card to maximize its value as a mnemonic device. This one is based on a bookstore in Zamalek, a part of Cairo. The reason for drawing out the journey is to get it clear in your mind. That way, you can spend more time on the next step. But failing to simply draw a Memory Palace in advance can lead to a lot of unnecessary frustration. That’s because you will ultimately wind up trying to encode the poem while developing the Memory Palace at the same time. To memorize any poem as quickly as possible, you need to separate the two activities. Step Two: Lay Down Your Associations One Word At A Time (Most Of The Time) Shakespeare opens King Henry the Fifth like this: O for a Muse of fire, that would ascend The brightest heaven of invention, A kingdom for a stage, princes to act And monarchs to behold our swelling scene! When I memorized these lines, I started at station one with an image of the constellation Orion over the Statue of Liberty. Using the pegword method, I associated Orion with O. Then, using the general concept of a woman that inspires people, I placed the Statue of Liberty in the Memory Palace. In this case, the Memory Palace was a workplace where I was writing curriculum in Vancouver, B.C., Canada. You might choose a completely different image for the words “muse of fire.” But the technical point is that you want to find a direct sound and spelling correspondence that is: Based on ideas and images already in your memory Makes sense to you Making sure that the associations you choose are personal is part of what scientists call active recall. For me personally, Lady Liberty is an especially apt choice not only because she represents inspiration, as the muses. She’s also holding a torch, which helps me encode the word “fire.” But I also lived in both Manhattan and Brooklyn for awhile and often crossed the Manhattan Bridge. This makes the memory of the Statue of Liberty even stronger for me, and another reason why you need to think about the images that make most sense for you. How to Associate “Little Words” for Rapid Memorization What about a word like “that”? Tricky and abstract, right? Not really. You just need to pick an association that makes sense to you while sounding or seeming as close as possible to the target information as you can get it. In the case of the Henry the Fifth line, I just took “th” and linked it with Thor and then used rhyming to have him put on a hat in a dramatic way. Thor + hat = that. When it comes to the Bök poem, there’s a part of the sequence (full poem here) where I used Thor with his hat again: Awkward grammar appals a craftsman. A Dada bard as daft as Tzara damns stagnant art and scrawls an alpha (a slapdash arc and a backward zag) that mars all stanzas and jams all ballads (what a scandal). For a small word like “all,” I used the Punk Rock band All, but only in part. Drawing upon the mnemonic teaching of people like Peter of Ravenna, Jacobus Publicius and Giordano Bruno, I used the principle of reduction. Rather than imagine the entire band, or even an entire mascot, I just imagined the eyes of the mascot. To memorize at speed, I suggest you practice this principle of reduction. Also develop what I call the Magnetic SRS in my full poetry course in the Magnetic Memory Method Masterclass. By taking an hour or so to assign association to all the pronouns and other “operator” words like “that,” you won’t have to stop and come up with associations ever again. The Magnetic SRS training in my full program goes into further detail. It will help you develop dozens of images for words that seem like they’ll be tricky or repetitive. Done well, they can be used repeatedly, but never cause confusion. Step Three: Memorize Multiple Words When You Can Memorizing more than one word in a poem at a time is called mnemonic compression. This term can mean more than one thing. But in this case, I’ve technically just given you a description of how compression works with the Statue of Liberty example. After Orion for O, she represents five words: “for a Muse of fire.” In this case, it works because I’m familiar with the workings of English grammar. But you can’t always get away with this kind of compression, especially when memorizing poetry in another language. It’s just best to keep an eye out for compression opportunities as much you can. When I memorized my TEDx talk using these techniques for speech memorization, thanks to compression, I loaded one station in my Memory Palace with up to 17 words using just 3-5 images (depending on how you count them). Keep in mind that you don’t have to start with poems with long passages like the ones I included in my TEDx Talk. A lot of people like to start with short Bible verses. I’ve put together a list of Bible verses to memorize that address the theme of memory if you’d like to select a few for practice. Step Four: Use Intelligent, Creative Repetition As I mentioned above, rote learning is a real problem. What you want instead is something called spaced repetition. It provides a simple means of reviewing memorized material on a schedule that keeps it in memory. Different poems and lyrics will require different amounts of repetition, and it’s not easy to predict in advance how much content will require how much repetition. However, there’s something called context-dependent memory. Basically, it gives you a boost when you use a lot of content frequently. Or read continually within particular categories of information. So if you read literature and quote it often, you’ll probably need less repetition than someone who doesn’t. And if you memorize the sonnet form more than free verse, you’ll likely develop a stronger and faster reliability because you’ve internalized its rules. Creative Repetition for Long-Term Maintenance For most of us, poems will fade over time no matter what we do. Fortunately, there are creative repetition strategies that can help make sure you maintain them. One is to follow in the footsteps of geniuses. For example, Anthony Hopkins keep common place books where they store and regularly revisit favorite poems. People like Thomas Jefferson used this strategy too. Another strategy is to use reflective thinking to compare various poems you’ve memorized. You can do this from poem to poem or between poems and your favorite philosophy books, historical events, etc. Finally, look for opportunities to recite the poems. Even if you just quote isolated lines, this smaller recitation will help keep the full poem within your mental reach. 3 Alternative Ways To Memorize Poetry You might be wondering if it’s possible to memorize poetry without using the Memory Palace technique. Indeed, there are. Here are some options. Rote Repetition Although I personally don’t like how rote learning feels, it is an option you can explore. It’s a slower option for most of us. But one simple way to get more mileage out of sheer repetition is to choose the time of day and location where you practice it strategically. You’ll need a lot of focus and concentration on top of sheer will power to keep repeating the same lines without the fun of mnemonics, so make sure you aren’t interrupted. I’d also suggest focusing on shorter poems for use with rote. That way you can memorize more poems in their entirety and enjoy substantial accomplishments more often. Cloze Methods A cloze test involves showing yourself parts of a poem. As you read through the poem, you try and fill in the blanks. This activity can trigger some of the positive benefits of active recall. Here’s an example of how you would apply the cloze test methodology to help yourself remember The Tyger by William Blake: Tyger Tyger, burning _____, In the _____ of the night; What immortal ____ or ____, Could _____ thy ______ ______? Visual Flashcards Finally, if you’re willing to make simple drawings, you can draw on flashcards. This approach is kind of like a visual cloze test. Instead of hiding the word “bright” in the phrase “burning bright,” you would sketch an image that helps trigger the phrase. I’ve done this a fair amount with memorizing the books of the Bible. It’s a fast and easy way to help the mind make connections without having to use a Memory Palace. That said, drawing can take a lot of time. I would save this approach for when you feel like an experimental learning experience. How to Practice Reciting Poetry from Memory There are three key ways that I practice reciting poetry, not only to ensure that they’re locked in long-term memory. The point is also to get the lines as fluid as possible and bring out various parts you want to emphasize. After all, it’s not fun to sound robotic. The point of poetry is to convey meaning and beauty, humor or to stimulate some kind of emotion. One: Write the Poetry from Memory Another aspect of proper active recall practice is to call the information to mind by revisiting your associations in your Memory Palace, then write the words down. When writing out what you’ve committed to memory, don’t worry about mistakes. If you catch yourself making a mistake, just scratch it out. Then, once you’ve written as many lines as you can recall, test them against where the verse is written in a book or online. Here’s an example of a test from another part of Eunoia I recently memorized: At this point, I hadn’t memorized the entire poem and had to start a new journal. But the important point is to test in this exact manner so that you don’t fall into rote repetition. Two: Recite Verbally As demonstrated in several of the video examples above, I practice recalling the poetry verses from memory out loud. This step is important because it gets the poetry into the muscle memory of the mouth. And this is the best way to practice adding gravitas to your performance. I suggest that you also recite the poetry out of order as you see in the Anthony Hopkins video above. This will give each line primacy and recency using the serial positioning effect, as was codified by Hermann Ebbinghaus. During the learning process, it can also be helpful to make up a little tune to go with the poetry. Even if you don’t sing it later, there’s something to chanting and singsonging that aids memory. This is something Bruno notes in his memory guide, Cantus Circaeus (Song of Circe), available in this English translation. Three: Recite Mentally It’s also valuable to practice reciting what you’ve memorized purely in your mind. You can do this solely by reciting the lines while moving through your Memory Palaces. Or you can do it without thinking of the Memory Palace journey, which is a point you should practice as soon as possible. If you are going to perform the poem live, it’s also helpful to imagine yourself delivering it live on camera or in front of an audience. I’ve done all of these things and it has really helped make sure my performance is fluid. But it also creates that priceless feeling of preparation. Your audience will appreciate your delivery much more as well. Make Poetry Memorization Part of Your Daily Life Finally, I’d like to discuss how to make poetry memorization a daily activity. We’re all different, but I personally prefer to encode new poems during the morning. This is simply because my energy is highest. Then I practice reciting in the evening. You might find that you prefer the opposite pattern. The key is to experiment, all based on having developed your mnemonic tools. Plus, it only makes sense to have a lot of poetry that you like within reach. Along with having the right memory techniques for this kind of verbatim learning task. That’s ultimately the most important tip of all. To get fast with memorizing poetry, you need to have your mnemonics prepped in advance. If you’d like more help on how the Memory Palace technique and related mnemonic strategies will help you memorize poems of any length, please consider signing up for my FREE Memory Improvement Course: It will take you through developing Memory Palaces for memorizing any poem at speed. Those poems can be as short as a simple song or as long as the Bible (which as I discuss in this tutorial, is possible to memorize). Or you can memorize songs from your weird uncle like I often did… even if I can’t always repeat them in polite company. Frankly, I wish I’d known these techniques back when I was young. Not only because I’d remember more of the words to the songs he sang. I’d remember more about him too. And that’s ultimately the greatest thing about memorizing poetry. We’re memorizing the ideas, feelings and images that impacted others, literally integrating ourselves with the stuff of life through memory.
Enjoy your half-term Q&A episode lovely people!Come and join us for a live webinar on primary maths fluency on Tuesday 24th February at 3:45 and see what Maths Zoo can do for your school! https://www.eventbrite.com/e/teach-sleep-repeat-foundations-and-fluency-maths-zoo-demo-qa-tickets-1981704787365?aff=oddtdtcreator
Actor told me about what he views is the tricky side during Murderbot press day. Part of my Plus exclusive series, My Best Shorts From Youtube. SAVE 17% ON PLUS TODAY
From the highs of his leadership and locker room presence to the lows of his off-filed court cases and salary, Stefon Diggs will be a tricky situation for the Patriots to decide on this offseason.
Sure, this might be a false spring with these warm temperatures but there is always room to keep up on your vehicle! This morning Nick Stoffel with Lloyd's Automotive discusses how to best avoid those tricky potholes (and puddles) also troubleshooting an alternator problem, even batteries! Then we dive into more listener questions regarding filters, sludge, checking for proper fluid functions and more! If you do have a car care question you can visit Nick and his team at Lloyds -visit lloydsautomotive.net or give them a call 651-228-1316.
Tricky Stewart—Grammy-winning producer, songwriter, and RedZone architect—joins Tank & J. Valentine to unpack how era-defining records get built. From the first chord choice to the final vocal comp, Tricky breaks down the decisions behind smashes like Rihanna’s “Umbrella,” Beyoncé’s “Single Ladies,” Mariah Carey’s “Touch My Body,” Justin Bieber’s “Baby,” and more. We talk chemistry with The-Dream, building the right room, protecting an artist’s identity, and why drums, melody, and story matter most.See omnystudio.com/listener for privacy information.
It's the turn of Karen in Sale & Sean in Manchester to test their metal!
The St Kilda Football Club have gone all chips in, recruiting the likes of Tom De Koning, Sam Flanders & CO, as well as signing Star Nasiah Wanganeen-Milera to mammoth 2 Year Contract!!But are they ready? We touch on what each of these new recruits and how they will impact the side in 2026. Why Rowan Marshall didn't leave to go to Geelong to play as the number one ruck, how will him & TDK work together? Tricky also slams the rumours of a huge contract extension for injury prone Key Forward Max King. While he also highlights another Max who could be set to explode and which First Round Draft Pick needs to start backing his words and have a impact!Like always thank you for listening to the show, if you did enjoy this episode, make sure to leave a like and comment, Turn on the Notification Bell so you don't miss an upload, hit the Subscribe Button!!Follow us on Instagram & Tik Tok for all our clips from the show and other news - @Uptheguts_
Co-Convener for Students for Palestine, Jasmine Duff, joined Jacqui Felgate.See omnystudio.com/listener for privacy information.
Think you can do better than me?
Are you ready to kickstart your brain with a dose of morning coffee and a side of brain teasers? Well, get ready to brew up some mental magic because we've got 20 tricky riddles that'll give you that caffeine kick your mind craves! Whether you're sipping on a latte, a cappuccino, or just your good ol' cup o' joe, these brain busters will have you buzzing with excitement in no time. So grab your favorite mug, take a sip, and let's dive into this brain-boosting adventure together! It's time to wake up those neurons and conquer these riddles like the puzzle pros you are! ☕
This chat with Dietician and Exercise Physiologist Kate Save was a meandering affair where we dropped breadcrumbs of information, education, psychology and sociology along the way. We spoke about the very common state of doing life on a kind of "auto-pilot", even when it's consistently not working. We discussed some ideas and strategies to escape the unfulfilling Groundhog Day that keeps so many of us trapped in stagnation and frustration. We also chatted about calories vs. nutrients, function (how we work) vs. aesthetics (how we look), destination disappointment (why we're not always happy when we reach our goal), how people perceive Kate and I (apparently she's cold and I'm terrifying), and the necessary (due to environment or situation) social challenge of building a functional relationship with people you may not like. Tricky. Enjoy.See omnystudio.com/listener for privacy information.
Are you a fan of riddles and puzzles with answers? ? Here're 13 riddles to raise IQ. Each riddle contains a hidden hint that'll lead you to the right answer. All you need is pay attention and not miss any detail. It's time to feel like a real detective and crack every puzzle on your way: which door leads to freedom, which path is safe, who did it riddles. Every riddle trains your brain to think fast and make decisions without hesitation. ? #brightside #riddles #puzzles Animation is created by Bright Side. Learn more about your ad choices. Visit megaphone.fm/adchoices
JON'S TRICKY FOOTBALL GAME by 101.9POR
Passing the PE Exam is difficult enough already. Now imagine doing it as a single mother, with 3 successive failed attempts over 5 years, and having to start from scratch after switching exams?
If you're a fan of riddles, this video is going to warm up your brain and boost your imagination! Some of the tasks are unlikely to happen in real life, but that make them even cooler! Pay attention to the tiniest details and think hard. These riddles and puzzles with answers are here to unlock your inner Sherlock. Animation is created by Bright Side. Learn more about your ad choices. Visit megaphone.fm/adchoices
DMC sits down with Metal Walt for a deep dive into his heavy metal and hard rock origins — from the music he heard growing up to discovering the power of Black Sabbath and Judas Priest. In this wide-ranging conversation, DMC explains how rock music was already embedded in early hip-hop culture, why songs like “Rock Box” proved that rock was part of Run-DMC's DNA from the start, and how that foundation eventually led him to create metal and hard rock music in his own lane. The interview also touches on DMC's 2026 solo metal single “She Gets Me High,” his connection to NYC hardcore, playing with Agnostic Front, performing with Sammy Hagar, and opening for Lou Reed — reinforcing a lifelong relationship with rock, metal, and underground culture. 00:00 Show Open & Pre-Roll Tease 02:12 What Music Sounded Like in DMC's House Growing Up 03:47 Discovering Rock on WABC and the First Metal Obsession (Black Sabbath) 07:00 Rock and Early Hip-Hop Culture — DJs, Crates, and Crossover 09:12 “Rock Box” and Why Rock Was Always in Run-DMC's DNA 12:05 “Walk This Way” — History, Impact, and the Permission Moment 23:14 When DMC Decided to Start Making Rock Music 25:59 DMC and the HellRaisers — Live Reactions and Reality 29:14 Rock DNA Across Classic Run-DMC Songs (King of Rock, It's Tricky, Mary, Mary, Why You Buggin') 34:06 “She Gets Me High” — DMC's Solo Metal Direction and Lineup 45:02 Hardcore Roots — Agnostic Front, NYC, and Underground Energy 54:11 Legacy, Creativity, and What DMC Is About Today 01:07:11 Wrap-Up & Where to Follow DMC Metal Mayhem ROC Website: https://metalmayhemroc.com/ DMC Website: https://thekingdmc.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Day two in Paris for OTB's Susanna Mollen, and just two more sleeps till the opener of the 2026 Six Nations when Ireland take on France in the Stade De France.In today's pod, Andy Farrell and Fabien Galthié name their match-day squads for that opening fixture. There's news from the Ireland XV camp who have gathered in Limerick. And World Rugby announce the 2027 World Cup fixtures, and it's not all smooth sailing for Ireland's pool campaign. #Rugby Daily is on Off The Ball with Bank Of Ireland | #NeverStopCompeting
You'll be fascinated to learn how the animal ag industry (following the tobacco and fossil fuel industry playbook) influences academic climate research to highlight or produce favorable findings to trick the public and policymakers into continuing to subsidize it and avoid needed regulations that would protect wild and domesticated animals, workers, surrounding ecosystems, and our climate. Associate Professor of Communication at Mercer University, Dr. Vasile Stanescu, has a lively discussion with fellow critical animal studies scholar and vegan advocate Carrie Freeman (host of In Tune to Nature) in this 54-minute podcast where he explains his intriguing research on the meat and dairy industry's rhetorical tactics. He attended industry conferences where they talk about how to undermine legitimate reports/research exposing the devastating harms of their animal exploitation industry. We end with ways to move forward to honestly promote a needed transition to plant-based agriculture and how and why to thank a vegan. We also discuss his podcast with his partner Devs called How We Win: Achieving Animal Liberation at https://www.winforanimals.org/ Check out some of the open-access publications that Dr. Stanescu references on the show: Cowgate: https://www.researchgate.net/publication/378179039_Cowgate_Meat_Eating_and_Climate_Change_Denial “White Power Milk”: https://www.researchgate.net/publication/363267122_Animal_Studies_Journal_'White_Power_Milk'_Milk_Dietary_Racism_and_the_'Alt-Right' “Slaughterhouse Capitalism” (from Current Affairs; it makes the class-based argument we discussed): https://www.currentaffairs.org/news/how-industrial-slaughter-became-the-blueprint-for-modern-capitalism The Guardian uncovers a Master's in Beef Advocacy: https://www.theguardian.com/environment/2023/may/03/beef-industry-public-relations-messaging-machine "In Tune to Nature" is a weekly hour-long radio show airing Wednesdays at 6pm Eastern Time on 89.3FM-Atlanta radio and streaming worldwide on wrfg.org (Radio Free Georgia, a nonprofit indie station) hosted by me, Carrie Freeman, or friend Melody Paris. The show's website and my contact info can be found at https://wrfg.org/intunetonature/ While there, consider donating to Radio Free Georgia, a 50+ year old progressive, non-commercial, indie radio station, run largely by volunteers like me and Melody. Take care of yourself and others, including other species, like wild and domesticated animals. Disclaimer: The views and opinions expressed on In Tune to Nature do not necessarily reflect those of WRFG, its board, staff, or volunteers.
Save up to $200 on our B2+C1 English Fluency New Year Bundle. Offer expires Feb 1st at midnight. Go here to get the special price. What score would you get if you took the IELTS tomorrow? Get your estimated IELTS Band Score now with our free 2-minute quiz. Want to get a guaranteed score increase on your next IELTS Exam? Check out our 3 Keys IELTS Online course. Check out our other podcasts: All Ears English Podcast: We focus on Connection NOT Perfection when it comes to learning English. This podcast is perfect for listeners at the intermediate or advanced level. This is an award-winning podcast with more than 4 million monthly downloads. Business English Podcast: Improve your Business English with 3 episodes per week, featuring Lindsay, Michelle, and Aubrey Visit our website here or https://lnk.to/website-sn Send your English question or episode topic idea to support@allearsenglish.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
Marni L Jacob, PhD, ABPP has just published What to Do When You Have a Tricky, Sticky, Picky Brain: Cognitive Behavioral Strategies to Help Kids with Obsessive-Compulsive Disorder Dr Jacob discusses her new book and provides an overview of the cognitive behavioral treatment for OCD. Her book is geared toward adolescents and teens when the condition is most commonly diagnosed. It has been estimated to affect 1-2 out of every 100 children. Central to the treatment of OCD is understanding the relationship of Thoughts, Feelings and Behaviors and well as the centrality of response prevention based therapy. Adolescents will find the answers they have been searching for in this comprehensive guide. For more information about Dr Jacob https://www.jacobcenterforebt.com
***This show is brought to you by DistroKid. Go to http://distrokid.com/vip/the500 for 30% off your first year!*** Raising Hell did what no rap album had done before, becoming the first multi-platinum hip-hop LP and propelling rap music into the mainstream consciousness. It was the record that turned rappers into rock stars, with a clean, powerful production. Erik Griffin joins the podcast for the first time since 2019 to discuss tracks like the crossover sensation “Walk This Way” and “It's Tricky.” Follow Erik on Instagram: https://www.instagram.com/erikgriffin/ Distrokid Artist of the Week: Onyx https://www.youtube.com/watch?v=xH8b95TqxO0 Follow Josh on Instagram: https://www.instagram.com/joshadammeyers/ Follow Josh on TikTok: https://www.tiktok.com/@joshadammeyers Follow Josh on Twitter: https://twitter.com/JoshAdamMeyers Follow Josh on Facebook: https://www.facebook.com/joshameyers Josh's Website: https://www.joshadammeyers.com/ Follow DJ Morty Coyle on Instagram: https://www.instagram.com/djmortycoyle/ https://www.instagram.com/alldaysucker/ Follow The 500 on Instagram: https://www.instagram.com/the500podcast/ Follow The 500 on Twitter: https://twitter.com/the500podcast Follow The 500 on Facebook: https://www.facebook.com/The500PodcastWithJAM/ Email the show: 500podcast@gmail.com Check the show's website: http://the500podcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices
We've been deluged with the annual economic and market forecasts that traditionally mark the turn of a new year. Is it worth paying attention to these forecasts, or are they a waste of time? Maybe a little bit of both? Today, we're joined by Marketplace senior economics contributor Chris Farrell to assess their worth. But first, we'll discuss some of the forecasts and market conditions the Federal Reserve has in mind at this week's meeting.
We've been deluged with the annual economic and market forecasts that traditionally mark the turn of a new year. Is it worth paying attention to these forecasts, or are they a waste of time? Maybe a little bit of both? Today, we're joined by Marketplace senior economics contributor Chris Farrell to assess their worth. But first, we'll discuss some of the forecasts and market conditions the Federal Reserve has in mind at this week's meeting. And, Boeing's revenue is up, as are its airplane delivery numbers.
Nate Jackson jokes about a tricky situation in his Netflix special, "Super Funny".
We help Fiona choose a name for her baby, it's a clean slate for the Tricky 10 and Jack Keating joins us!
In this in-depth conversation, Darryl McDaniels sits down with Metal Walt to explore the heavy metal and hard rock roots that have been part of his musical identity since childhood. Growing up in New York City, DMC discovered rock and metal through radio, hearing bands like Black Sabbath and Judas Priest at a formative age. He explains how those sounds were already embedded in early hip-hop culture, from DJs digging through crates to the attitude and energy that shaped Run-DMC from the very beginning. The discussion revisits key moments such as “Rock Box” and “Walk This Way,” why rock was always part of Run-DMC's DNA, and how those records opened creative doors that still matter today. DMC also talks about his decision to actively create rock and metal music himself, leading to projects like HellRaisers and his 2026 solo metal single “She Gets Me High.” Additional topics include NYC hardcore roots, playing with Agnostic Front, sharing stages with Sammy Hagar, opening for Lou Reed, and how creativity, authenticity, and curiosity continue to guide his work. 00:00 Show Open & Pre-Roll Tease 04:23 What Music Sounded Like in DMC's House Growing Up 05:58 Discovering Rock on WABC and the First Metal Obsession (Black Sabbath) 09:11 Rock and Early Hip-Hop Culture — DJs, Crates, and Crossover 11:23 “Rock Box” and Why Rock Was Always in Run-DMC's DNA 14:16 “Walk This Way” — History, Impact, and the Permission Moment 25:25 When DMC Decided to Start Making Rock Music 28:10 DMC and the HellRaisers — Live Reactions and Reality 31:25 Rock DNA Across Classic Run-DMC Songs (King of Rock, It's Tricky, Mary, Mary, Why You Buggin') 36:17 “She Gets Me High” — DMC's Solo Metal Direction and Lineup 47:13 Hardcore Roots — Agnostic Front, NYC, and Underground Energy 56:22 Legacy, Creativity, and What DMC Is About Today 01:09:22 Wrap-Up & Where to Follow DMC Learn more about your ad choices. Visit megaphone.fm/adchoices
Hello to you listening in Torino, Italy!Coming to you from Whidbey Island, Washington this is Stories With Women Who Walk with 60 Seconds for Story Prompt Friday and your host, Diane Wyzga.I spend 2 hours every Thursday afternoon with my wonderfully supportive, encouraging, questioning, criticizing, hot seating, creative MasterMind Group. Before we get together we exchange our 4Rs from the prior week detailing our Results, Reaches, Resistances and Resources.Ah, Resistance! Tricky is thy name. It's the step you don't want to take because you're afraid, bored, uncertain, anxious, tired, or just plain disgusted with it all. As the poet David Whyte reminds us: "We must start close in taking the first step - the one we don't want to take."Click HERE to listen to Whyte recite his own poem, Start Close In.If you're like me you've probably learned that the sooner you face up to your resistance and move toward your task or project the more confident you are likely to feel and perhaps begin asking yourself, “What took me so long?”Story Prompt: What was powerful, striking, exciting, maybe even liberating about the notion of taking that first step, the one close in? Now, where will you go? Write that story! And tell it out loud. Practical Tip: The magic of stories is also in the sharing. If you wish share your story with someone or something. All that matters is you have a story.You're always welcome: "Come for the stories - Stay for the magic!" Speaking of magic, I hope you'll subscribe, share a 5-star rating and nice review on your social media or podcast channel of choice, bring your friends and rellies, and join us! You will have wonderful company as we continue to walk our lives together. Be sure to stop by my Quarter Moon Story Arts website, check out the Communication Services, email me to arrange a no-obligation Discovery Call, and stay current with me as "Wyzga on Words" on Substack.Stories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicALL content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved. If you found this podcast episode helpful, please consider sharing and attributing it to Diane Wyzga of Stories From Women Who Walk podcast with a link back to the original source.
Today on the Poddy: 01:14 - Scat war with the kids5.18 - Tricky's sweat towel12.54 - The internet has been thinking21.24 - Bloke wants his foreskin back22.44 - Indigo child can see the pastHerald Sun dick drawings - Drawing Dicks On The Herald Sun33:29 - Fake tan instead of lotion Two Cars One Night: Two Cars, One Night | Short Film | NZ On ScreenDSPN Podcast: DSPN - Devlin Sports Podcast Network | PodcastsHit us up and get all our links: https://linktr.ee/notforradioBecome a Sniper Elite: rova | New Home Learn more about your ad choices. Visit megaphone.fm/adchoices
Every brewery has them — the late arrivals, the heated arguments, the performance dips that make you wonder what to do next. In this session, we'll walk through common “oh no” employee situations and show you how to address them in a fair, consistent way. You'll also learn simple documentation practices that protect your business from costly legal headaches, without adding piles of paperwork.Bailey Borzecki is the founder of Golden Hour Consulting, an Austin-based firm specializing in leadership development and HR strategy for craft beverage and hospitality brands. With 15 years in the industry, including HR and leadership roles at Dogfish Head Craft Brewery and Boston Beer Company, Bailey has guided breweries through growth, culture shifts, and organizational change. Bailey is one half of a beer power couple and would love for you to ask her about her other half, the Buffalo Bills or her golden retriever, Murphy.Stay up to date with CBP: http://update.craftbeerprofessionals.org/
It's straight back to the grind for the Blues as they face a tricky trip to Norway in the Champions League.Join Amos and Adam as they look ahead to the match.Make sure to leave a rating and a review, and subscribe wherever you're listening to this show!You can keep up to date with all of the latest City Ramble action by following our social media pages. Follow us:Discord ➡️ https://discord.gg/xC84tfcHX (Twitter) ➡️ https://x.com/thecityrambleInstagram ➡️ https://www.instagram.com/cityramble/?hl=enTikTok ➡️ https://www.tiktok.com/@thecityrambleWebsite ➡️ https://www.thecityramble.co.uk/Watch
Presented at Curwensville Alliance on 1/18/26 by Pastor Steve Shields. Sharing wisdom can be a challenge. It is hard for people to receive wisdom. It’s important to think before we speak. There is something about humankind that resists being given wisdom. Even though it’s challenging, it’s our job to share. The “Be’s” of sharing wisdom. Be prepared. Be sure you have found Christ. Take time to pray. Look for needs and opportunities. Have a thankful heart. Be clear. Be wise in how we behave, how we respond and in the words we choose. The four “bases” of sharing . First, God loves us and has plans for us. Second, we’ve done things we are ashamed of. Third, Christ took our guilt and shame to the cross. Home plate, turn away from evil and trust Christ to forgive your sins. God and God alone creates the opening. Speaks to the heart. Gives you the words. Transforms life.
Welcome to Glenn Robison's Rapidly Rotating Records, bringing you vintage music to which you can't not tap your toes, from rapidly rotating 78 RPM records of the 1920s and '30s. You’ve probably already figured out from the poster above that one of the segments on this week’s Rapidly Rotating Records is songs from Benny Goodman’s historic Carnegie Hall Concert of January 16, 1938. But that’s not the only thing that happened on January 16th in history. You’ll find out another in the second segment of the show, about Prohibition. In other segments, we’ll celebrate James Monaco’s birthday, resort to some trickery and have a vocabulary lesson. There's lots of great music and interesting information so set aside an hour with your favorite beverage and prepare to be transported back to a different–and we think better–musical era. Just click the link above to listen streaming online and/or download for listening at your convenience. THANKS FOR LISTENING! ENJOY THE SHOW! Here’s the complete playlist: Segment 1: Prohibition What Are We Going To Do (When There’s Nothing To Do On Sunday) – Arthur FieldsHa! Ha! Ha! – Frank CrumitHow Are You Going To Wet Your Whistle? – Ernest Thompson Segment 2: Benny Goodman Carnegie Hall Concert Avalon – Benny Goodman QuartetBody And Soul – Benny Goodman TrioSwingtime In The Rockies – Benny Goodman AHO Segment 3: Perfidy Deceitful Friend Blues – Tampa Red Deception D’Amout – L’Accordeoniste AlexanderDeceitful Blues – Leona Williams and Her Jazz Hounds Segment 4: Tricks Can’t Teach My Old Heart New Tricks – Benny Goodman AHO / Martha Tilton, v.There’s A Trick In Pickin’ A Chick-Chick-Chicken – Nat Shilkret & The Victor Orchestra / Johnny Marvin, v.Tricks – Broadway Dance Orchestra Segment 5: James V. Monaco Gee, I’m Glad I’m Home – Cliquot Club Eskimos UDO Harry Reser / Tom Stacks, v.Nesting Time – Knickerbockers / Johnny Marvin, v.Ah-Ha! – Paul Whiteman AHO / Elliott Shaw – Shannon Quartet – Billy Murray, v. The post A “Tricky” Edition of RRR # 1,331 January 18, 2026 appeared first on Glenn Robison's Rapidly Rotating 78 RPM Records.
This hour Henry says interpretations make life tricky and right now it test things that he's been told, after the Dodgers signed Kyle Tucker is it time for a salary cap in MLB, and more.
Grant shares the latest details from Tom Silverstein and explains that the Matt LaFleur situation isn't nearly as cut and dry as we are making it. Ryan Wood joins thanks to La Crosse Bierhaus. The Dodgers have way more money than everyone, yeah- but Grant has a different concern about their latest spending spree.See omnystudio.com/listener for privacy information.
Get ready to dust off those mental cobwebs because we've got a video that'll challenge your noggin in the most entertaining way possible. Join us as we dive headfirst into 12 tricky riddles that are guaranteed to make you scratch your head, laugh, and maybe even facepalm a few times! Think you've got what it takes to crack these mind-benders? Well, there's only one way to find out! Grab your thinking cap, your favorite snack, and hit that play button. But beware, once you start, you won't be able to stop. Learn more about your ad choices. Visit megaphone.fm/adchoices
We are joined by the ladies of Gettin Grown pod. We talk Bill Cosby, Monqiue, bonnets, tricky Lord and saviors, and much more. Join us.Shop Merch: https://www.aroundthewaycurls.com/collectionsGeneral Inquiries:Contact Us: IG: @aroundthewaycurlsHotline: (215) 948-2780Email: aroundthewaycurls@gmail.comPatreon: www.com/aroundthewaycurlsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Send us a text While Snow is away MJ is joined by guest hosts Tricky and V to talk about mental health and coping with the headlines of the past week. When is the appropriate time to check out and unplug ? How to we find a positive impact on the community ? How do we be aware and do self care ? We cover a wide range of topics and what we are looking forward to in the new year ChristiTutionalist Politicsthe "ChristiTutionalist Politics" podcast. News/Opinion-castListen on: Apple Podcasts SpotifyFollow us at Reality Redemption on Facebook, Instagram, Threads, BlueSky and Tik Tok
And they think they have it in the story of Renee Good. But Stigall has a stack of stories today - including an internal warning for democrats from the "Third Way" pollsters who say - yet again - attacking ICE is barking up the wrong tree. Meanwhile, the rampant fraud in Minnesota is the real story and here to sound the alarm is the Majority Whip and MN-6 Rep, Tom Emmer who explains what's happening in his home state now that President Trump, the Treasury, and ICE are all camped out in his back yard. One of the more ridiculous moments in American history will no doubt be noted yesterday as the Supreme Court presented to entertain gender as something we can make up as we go. Not surprisingly, Justice What Is A Woman came to the table with her Orwellian language nonsense Stigall says we must fight with our last breath. And President Trump says he wants to cap credit card interest rates. Good idea? Can he also make housing prices fall without hurting current home owners? Tricky. Heritage economist E.J. Antoni takes a stab at threading that needle. - For more info visit the official website: https://chrisstigall.com Instagram: https://www.instagram.com/chrisstigallshow/ Twitter: https://twitter.com/ChrisStigall Facebook: https://www.facebook.com/chris.stigall/ Listen on Spotify: https://tinyurl.com/StigallPod Listen on Apple Podcasts: https://bit.ly/StigallShowSee omnystudio.com/listener for privacy information.
Prime Minister Sir Keir Starmer had wanted to kick off the new year with a strong domestic start, tackling the cost of living crisis head on, in the hopes of improving his dire poll ratings. Instead, he has found himself firefighting on the international front, trying to navigate Donald Trump's foreign policy frenzy.How will Starmer manage his ‘special relationship' with the US president in light of recent events? Where do Trump's latest actions leave Nato, especially with regard to Ukraine? And what does all this global uncertainty mean for the Labour leader's agenda at home?Host George Parker discusses the balancing act facing the government with the FT's deputy opinion editor Miranda Green, chief political commentator Robert Shrimsley and acting Whitehall correspondent David Sheppard.Follow George, Miranda, Robert & David Want more? Strategic supplication is Europe's only Trump policyFrance and UK commit to deploying troops under proposed Ukraine peace dealUK armed forces warn of £28bn defence funding shortfallGreenland's future must be decided by island and Denmark, Starmer warns Trump‘Not in my name': Labour's new towns battleAnd sign up here for Stephen Bush's morning newsletter, Inside Politics, for straight-talking insight into the stories that matter, plus puns and tongue-(mostly)-in-cheek analysis. Get 30 days free.Political Fix was presented by George Parker, and produced by Lulu Smyth and Julia Webster. Flo Phillips is the executive producer. Sound engineering by Simon Panayi. Manuela Saragosa is the FT's acting co-head of audio.What did you think of this episode? Let us know at politicalfix@ft.comClip from UK Parliament Hosted on Acast. See acast.com/privacy for more information.
On this episode the boys talk about balls dropping, rapping gf's, freaky bums, football fights, Stevie Wonders mouth and much more.
In hour three, what the hell happened to the Heat last night? Solana wants Spo to adjust the offense for Bam. Are the Dolphins balancing the GM search, McDaniel and Harbaugh properly? Plus, Don Bailey Jr delivers the key to Miami beating Ole Miss tomorrow.
-Nebraska carries a 29 game losing streak to ranked teams into today's game vs. Utah…and if you are in the group that hopes that TJ Lateef sticks around and potentially starts next year, it's pretty important he shows some potential today like the UCLA game-Possibly snap the 29 game skid, plus officially surpass last year's record (7-6 last year), AND add on to the B1G's great postseason so far…seems like there's a lot to play for AND gain from todayOur Sponsors:* Check out Hims: https://hims.com/EARLYBREAK* Check out Infinite Epigenetics: https://infiniteepigenetics.com/EARLYBREAKAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
In this post-Christmas edition of Talking Real Money, Don McDonald and Tom Cock dismantle one of the most seductive myths in personal finance: the promise of high returns, no risk, and tax-free income. Using the lawsuit filed by Kyle Busch against Pacific Life as a case study, they expose the dark mechanics of indexed universal life insurance—hidden commissions, opaque costs, fabricated indexes, and returns that quietly disappoint. The episode then pivots to listener questions on diversification mistakes, Roth vs. traditional 401(k)s, late-career pivots into financial advice, ETF selection for retirees, and why doing less with your portfolio almost always beats doing more. 0:04 Post-Christmas welcome, Kyle Busch jokes, and why rich people get fleeced too 1:18 Indexed Universal Life explained (and why it's not an investment) 1:45 The “bank on yourself” fantasy and why it never dies 2:27 $10.5 million in premiums and promises of $800K tax-free income 3:20 Why IULs avoid SEC and FINRA scrutiny entirely 4:21 The sixth premium notice that blew up the deal 4:41 How IULs implode if you stop paying—and why everything can vanish 5:52 “Tax-free income, high returns, no risk” exposed as marketing fiction 6:01 Hidden commissions, alleged 35% payouts, and zero disclosure 7:37 Proprietary indexes designed to benefit insurers, not investors 8:50 Internal Pacific Life doc: “Don't call yourself a financial planner” 9:57 Why consumers can't see costs, commissions, or real returns 11:37 Real-world IUL returns: roughly 3–5% annually 12:23 Why even Kyle Busch doesn't actually need life insurance 13:44 Caveat emptor—and why “Life” in the firm name should trigger alarms 14:03 Listener portfolio question: 60/15/25 isn't diversified 14:53 The S&P 500 isn't “the market” (and seven stocks prove it) 15:54 Simple global solutions vs. portfolio over-engineering 17:11 Podcast tech humor and March seminar tease 17:22 Listener praise—and teaching people how to find podcasts 18:11 2026 seminar date confirmed: March 7 19:23 Career pivot at 53: CFP vs. AFC vs. Series 65 22:02 Why fiduciary firms are hiring—and sales shops are traps 23:22 ETF selection for retirees: growth, risk, and tax efficiency 24:27 Why Morningstar confuses more than it helps 25:07 Dimensional, Avantis, and keeping portfolios simple 26:20 Final thoughts, free fiduciary consults, and year-end wrap Learn more about your ad choices. Visit megaphone.fm/adchoices