WEBVTT - 1-1-26 Ken Broo in for  Willie

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<v Speaker 1>Well, good afternoon. It is New Year's Day, twenty twenty six. Yes,

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<v Speaker 1>we have all survived. He had another trip around the sun.

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<v Speaker 1>As we cruise into twenty twenty six, all things possible,

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<v Speaker 1>canvas is blank. We painted any way we want for

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<v Speaker 1>the next three hundred and would it be is it

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<v Speaker 1>a leap year? I'll say three sixty five, But if

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<v Speaker 1>it's three sixty six, there's your extra day to put

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<v Speaker 1>on the finishing touch. Fact of the matter is, it

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<v Speaker 1>is always great to begin a new year because you

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<v Speaker 1>never know how the year is going to play out,

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<v Speaker 1>and quite frankly, you have a lot of control over

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<v Speaker 1>the way that year is going to play out. Now

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<v Speaker 1>you might not have had a lot of control last night. No,

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<v Speaker 1>last night was, as you well know, one of the

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<v Speaker 1>biggest party nights of the year, although as I've gotten

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<v Speaker 1>older it's been less and less of that. We had

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<v Speaker 1>a nice night last night, Pat Knat, I went out

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<v Speaker 1>to dinner, went to our favorite, one of our favorite restaurants,

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<v Speaker 1>Carlo and Johnny. We just love that place. Service is impeccable,

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<v Speaker 1>food is wonderful and for people that are that our

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<v Speaker 1>that are our age and don't really want to go

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<v Speaker 1>out and get crazy. You know, you have a nice

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<v Speaker 1>early dinner and you come home, and that's what we did.

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<v Speaker 1>We had a nice early dinner, came home, finished watching

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<v Speaker 1>some series that we have been binge watching. Put on

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<v Speaker 1>the Ohio State game at halftime and was totally shocked

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<v Speaker 1>to find them down fourteen to nothing. Made a game

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<v Speaker 1>of it in the second half. Knew Miami was good,

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<v Speaker 1>but did not think that Miami was that good. But

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<v Speaker 1>indeed Miami is the victor in Miami is the one

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<v Speaker 1>playing on and we've got a game going on.

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<v Speaker 2>Just about now.

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<v Speaker 1>I think they've kicked off Oregon and Texas Tech. Everybody

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<v Speaker 1>likes Texas Tech is their sleeper team. But that's the

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<v Speaker 1>first game in the College Football Playoff today. Of course,

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<v Speaker 1>four o'clock in a game you will hear here on

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<v Speaker 1>seven hundred WLW. Alabama is at Indiana. Well not at Indiana,

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<v Speaker 1>Alabama Indiana in the Rose Bowl. And then finally tonight

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<v Speaker 1>you got Mississippi in Georgia, and by then the College

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<v Speaker 1>Football Playoff will be down to a workable four as

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<v Speaker 1>we cruise on a name and crown a new national champion,

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<v Speaker 1>because it will not be Notre Dame, but right now

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<v Speaker 1>the Capital City one Orange Bowl is in the first quarter,

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<v Speaker 1>just kicked off Oregon and Texas Tech. Now you may

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<v Speaker 1>not be ready for that because of what you did

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<v Speaker 1>last night. Understanding that last night a lot of people

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<v Speaker 1>might have imbibed too much and today they're taking it

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<v Speaker 1>kind of slow. But you know, laying on the couch

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<v Speaker 1>and watching football listening to seven hundred WYLW not a

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<v Speaker 1>bad way to get over in New Year's hangover. But

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<v Speaker 1>there are better ways that will make it quicker and

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<v Speaker 1>less painful for you today. Gather around the radio, kids,

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<v Speaker 1>We're about to get healed. Standing by is New York

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<v Speaker 1>based Nicolet M Pace, nicolett M Pace, ms R D

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<v Speaker 1>n C D E CBC, c DN c F.

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<v Speaker 2>C s f A n D. That is what is

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<v Speaker 2>at the end of her name. That's a lot of initials.

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<v Speaker 1>I don't know what they mean, but we'll find out

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<v Speaker 1>here just a second, because she's got some ways to

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<v Speaker 1>make you feel better right now than the way you

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<v Speaker 1>feel right now. Nicolette Pace, how are you on this

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<v Speaker 1>glorious New Year's Day.

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<v Speaker 3>I'm doing great. I'm doing great. Is very well? Thank you.

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<v Speaker 1>Okay, there's a lot of initials at the end of

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<v Speaker 1>your name. I guess they're all for things that you do.

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<v Speaker 1>R DN must be something to do with nursing, right, No.

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<v Speaker 4>No, it's registered to dietician nutritionist. I'm actually been in

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<v Speaker 4>five industries so well, almost a contractor will who and

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<v Speaker 4>share your designer. I'm also on the bansket bargain. I've

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<v Speaker 4>done a lot of things and.

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<v Speaker 3>Something I just love everything.

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<v Speaker 2>Oh, that's that's wonderful.

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<v Speaker 3>Now.

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<v Speaker 2>Thirty percent of American.

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<v Speaker 1>Statistics tell us woke up this morning looking for greasy

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<v Speaker 1>food or maybe some sort of tomato based rank, something

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<v Speaker 1>that that would help them get back on their feet

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<v Speaker 1>after what happened last night. For somebody, that is an

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<v Speaker 1>absolute agony this morning. How can you help them?

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<v Speaker 3>Well, there's a lot of different things.

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<v Speaker 4>And what's changed over the years is there there a

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<v Speaker 4>lot more reliance on preventing it in the first place,

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<v Speaker 4>and you could supplement them even after while you have it,

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<v Speaker 4>tackling the effects that the ethan weller alcohol actually does

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<v Speaker 4>and this metabolism in the body, and they're behind them

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<v Speaker 4>not to make what not to do and then at

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<v Speaker 4>the next partying events and how to choose wisely so

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<v Speaker 4>that you can minimize your hangover effects. But while you're

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<v Speaker 4>at it, and if you're really really sick right now,

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<v Speaker 4>there's one that uses me because it's called the science

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<v Speaker 4>backed formula and it goes like x equals y vx

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<v Speaker 4>plus two twenty gp plus A and B plus r

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<v Speaker 4>K two plus sp x times. Now what does that mean.

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<v Speaker 4>It translates the two slinders and bread, three ounces of

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<v Speaker 4>the link protein, an avocado, some rocket on in other words,

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<v Speaker 4>a rougle off you leaves of that, and ten slices

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<v Speaker 4>of a sweet potato.

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<v Speaker 3>That would give me a real kick.

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<v Speaker 4>But the thing is that you the main thing that's

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<v Speaker 4>closing to hangover is the dehdration effects that a car

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<v Speaker 4>from the metabolts of the alcohol, and depending on what

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<v Speaker 4>you drink, it could be really bad. And so electrolyte

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<v Speaker 4>replacement and fluid replacement is a really priority. Something like Gatorade,

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<v Speaker 4>pedialyte or a product on the market now called blowfish

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<v Speaker 4>and it's actually us to get recognized. It's an effervescent

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<v Speaker 4>tablet and put it in water and it kind of,

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<v Speaker 4>you know, pizzes up aspirin and caffeine and it sounds

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<v Speaker 4>like Alco slice to make.

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<v Speaker 3>But cute name.

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<v Speaker 2>What is it called.

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<v Speaker 3>It's called blowfish wo fish.

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<v Speaker 1>Well, I used to see those on the beach when

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<v Speaker 1>I would walk the beach as a kid out there

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<v Speaker 1>on the eastern shore. I would see you, I see

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<v Speaker 1>blowfish walk up and they were If you ate one

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<v Speaker 1>of them, you get really sick. So sorry, right now?

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<v Speaker 1>What is what is alcohol consumption and just an inordinate

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<v Speaker 1>amount of alcohol consumption?

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<v Speaker 2>What does it do to your body?

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<v Speaker 4>Well, it's it's dehydrates you number one, and in and

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<v Speaker 4>of itself, it's a toxin. And the metabolism it relies

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<v Speaker 4>on an enzyme called you know, assetical wide the hydrogenase,

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<v Speaker 4>which actually helps break down the alcohol, but that occurs

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<v Speaker 4>in the stummach later in the gut.

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<v Speaker 3>It doesn't really react. Heince.

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<v Speaker 4>There's a supplement out there now that you're supposed to

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<v Speaker 4>take before you drink. Well, actually it's it's a it's

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<v Speaker 4>a bio engineered product that will produce some the stuff

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<v Speaker 4>that's ends on in your gut so you can continue

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<v Speaker 4>the metabolizing it. It's quite expensive. It's not as it's

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<v Speaker 4>recognized only in the terms of its recognized as a food.

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<v Speaker 3>But are people are so concerned.

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<v Speaker 4>About GMO corn. I don't understand why they were doing

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<v Speaker 4>genetically modified probiotic, which is exactly what that is. The

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<v Speaker 4>ethanol is it creates a subtle cult to hide and

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<v Speaker 4>that becomes increased in the body and it has adverse effects,

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<v Speaker 4>and those including remedies to make you feel better, would

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<v Speaker 4>be targeting the build up of that in in your body.

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<v Speaker 4>And the other thing is the stummach irritation, the inflammation,

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<v Speaker 4>because the gas inflammation that occurs is you got to

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<v Speaker 4>cumb that down and that's why we're doing bland foods

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<v Speaker 4>and nothing inviting me.

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<v Speaker 1>I hate gastric inflammation. I don't think anybody enjoys that.

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<v Speaker 1>Do you know anybody that enjoys that? Nicola? I don't

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<v Speaker 1>know anybody that.

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<v Speaker 2>I don't know.

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<v Speaker 1>Now, I had a friend that I went to college with,

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<v Speaker 1>and you know, before he was to go out and

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<v Speaker 1>you know, and drink beer on a week on a weekend,

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<v Speaker 1>he would always consume a gallon of water before he

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<v Speaker 1>went out and drank beer, which would did two things.

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<v Speaker 1>One it kept the bathroom busy, but two he claims

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<v Speaker 1>that if you drank a lot of water before you

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<v Speaker 1>drank a lot of beer, that you really wouldn't get

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<v Speaker 1>sick or drunk from the beer. And I thought, hey,

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<v Speaker 1>that sounds like a good idea, but I don't think

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<v Speaker 1>there's any scientific proof of that.

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<v Speaker 2>Is there.

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<v Speaker 4>Well, you could look at the effect of what they

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<v Speaker 4>consider one drink, so like to a beer would be

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<v Speaker 4>twelve ounces of beer, but fourteen ounces of the white beer.

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<v Speaker 4>So basically that's actually right there, two ounces and more so. Yeah,

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<v Speaker 4>the looting it doesn't have some merit but to the

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<v Speaker 4>eating first, because it will slow down the absorption of

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<v Speaker 4>that and the build up of this really byproduct that

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<v Speaker 4>cars is poisonous. The other thing that's really really important

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<v Speaker 4>to know is what we call in bartending school, which

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<v Speaker 4>I went.

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<v Speaker 3>To like to visits, was in the distillation.

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<v Speaker 4>Of alcohol, it produces what we call the head, the heart,

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<v Speaker 4>and the tail. And there's mentioning a hard liquor go

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<v Speaker 4>for the top shelf.

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<v Speaker 3>That's the heart.

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<v Speaker 4>And not only that, but it might financially keep you

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<v Speaker 4>responsible so having your one or two drinks because it's

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<v Speaker 4>so expensive. But the tail actually of the alcohol is

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<v Speaker 4>literally found in the darker liquors and that contains like

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<v Speaker 4>fusel oils, and that isn't really known to produce a

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<v Speaker 4>worser hangover, whereas the head has also very harmful congenerous

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<v Speaker 4>that actually produce the formaldehyde and formic acid, aldehydes and acetone.

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<v Speaker 4>So all of this is really is mentioning, is I'll

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<v Speaker 4>we're doing it on this. It's no reason why you

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<v Speaker 4>feel so damn sick, you know.

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<v Speaker 2>Yeah, well okay, so go back to the tail there.

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<v Speaker 1>Just for a second, you said dark liquors that would

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<v Speaker 1>be Scotch, berb and things like that.

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<v Speaker 2>Rum, why is it called the tail.

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<v Speaker 4>That's the end of the deflation process, and darker tend

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<v Speaker 4>to have more of that. Now, this is for spirits,

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<v Speaker 4>but if you want to look at wine and beer,

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<v Speaker 4>that's different because that's a fermentation out of the slow product.

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<v Speaker 4>But people wants to know to get wine hangovers.

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<v Speaker 3>And the thing with that is is.

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<v Speaker 4>It's commonly good of his sulfites being inculporated, and it's

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<v Speaker 4>not necessarily sul fits because white wine has more sulfites

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<v Speaker 4>than red wine. But red wine produces more hangovers than

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<v Speaker 4>white wine, and that's because of something like what do

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<v Speaker 4>you call the polichenolves, the dark components in the grapes

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<v Speaker 4>and chrystin and the tannins and histamine, so it has

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<v Speaker 4>a reaction in the body that can a wopping headache.

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<v Speaker 4>And if you go and drink like red wine that

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<v Speaker 4>has added sugar and stuff, now you're really in for

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<v Speaker 4>trouble because you're going to con the dehydration.

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<v Speaker 2>So maybe like a.

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<v Speaker 1>Nice like a nice Pinot Noirs, Pino grasio or something

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<v Speaker 1>like that would be better than a heavy cab.

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<v Speaker 2>Or a low or something.

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<v Speaker 4>Well perhaps, but again it's the following foodence first, you know,

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<v Speaker 4>setting the pace, alternating with water like your friend did.

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<v Speaker 4>He just drinks a lot of water in the beginning,

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<v Speaker 4>but going some forth between it and saying with enonymous

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<v Speaker 4>the rate in which you bolt or set the weight

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<v Speaker 4>of the person. You know, you can be intoxicated very quickly.

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<v Speaker 1>If I don't know about the water thing. He died

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<v Speaker 1>of kidney damage, so I don't know. He might have

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<v Speaker 1>drank too much water.

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<v Speaker 2>I don't know.

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<v Speaker 3>It could have been wrong.

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<v Speaker 2>I mean, who knows. I don't know.

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<v Speaker 1>But anyway, so I want to ask you about I

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<v Speaker 1>want to ask you about this.

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<v Speaker 2>This this theory that's out there.

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<v Speaker 1>That the average number of drinks for an adult male

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<v Speaker 1>in a week is generally believed to be fourteen and

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<v Speaker 1>for a woman it's generally believed to be seven. Is

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<v Speaker 1>there any merit to that?

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<v Speaker 4>Well, this is what what he called the National Institute

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<v Speaker 4>of alcohol Abuse and Alcoholism had to come up with

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<v Speaker 4>because they have, you know, labeled this some moderation, which

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<v Speaker 4>is my least favorite term to describe anything in nutrition

0:11:59.840 --> 0:12:02.120
<v Speaker 4>or anything to do with help because nobody knows.

0:12:01.880 --> 0:12:03.120
<v Speaker 5>What the moderation means.

0:12:03.400 --> 0:12:06.040
<v Speaker 4>So they came up with one drink for women, to

0:12:06.280 --> 0:12:09.640
<v Speaker 4>drinks for men, no reference to the weight of a person,

0:12:09.760 --> 0:12:11.800
<v Speaker 4>no reference to anything. You find a lot of people

0:12:11.800 --> 0:12:14.440
<v Speaker 4>having habits of not drinking anything all week long and

0:12:14.480 --> 0:12:16.040
<v Speaker 4>then saving them all up to the weekend and then

0:12:16.040 --> 0:12:19.320
<v Speaker 4>doing seven drinks at once, fourteen drinks at once. So

0:12:20.000 --> 0:12:22.960
<v Speaker 4>hopefully they gave it a little bit more definition. No

0:12:23.120 --> 0:12:26.400
<v Speaker 4>drinks if you're a high risk and pregnancy. One per

0:12:26.400 --> 0:12:32.600
<v Speaker 4>hour for female, no more than two on any special occasion,

0:12:32.920 --> 0:12:35.160
<v Speaker 4>and never exceed three on any given day.

0:12:35.280 --> 0:12:37.240
<v Speaker 3>So that's a little bit more specific, so that.

0:12:37.320 --> 0:12:39.440
<v Speaker 4>If you do the far but no more than that

0:12:39.480 --> 0:12:40.280
<v Speaker 4>amount per week.

0:12:40.600 --> 0:12:42.200
<v Speaker 3>They try to get a little bit more specific.

0:12:42.240 --> 0:12:45.000
<v Speaker 4>So that is a positive step than the just moderation comment.

0:12:45.520 --> 0:12:48.160
<v Speaker 2>Did you say one an hour, one an hour.

0:12:48.880 --> 0:12:51.079
<v Speaker 4>One per hour, not to exceed three in a given day.

0:12:51.280 --> 0:12:51.920
<v Speaker 3>That would be.

0:12:52.120 --> 0:12:53.960
<v Speaker 1>Don't drink three in an hour, is what you're saying.

0:12:53.960 --> 0:12:57.600
<v Speaker 1>But three in a given day spread it out. Okay, okay,

0:12:58.280 --> 0:12:59.040
<v Speaker 1>but wait.

0:12:58.960 --> 0:13:02.480
<v Speaker 4>People, those real fast and sultle depends on you know,

0:13:02.520 --> 0:13:05.439
<v Speaker 4>how much enzyme that somepany collapsed from ethnicity and some

0:13:05.600 --> 0:13:07.920
<v Speaker 4>of them low lower levels and the endblunch to process

0:13:07.920 --> 0:13:08.960
<v Speaker 4>the alcohol.

0:13:08.520 --> 0:13:12.240
<v Speaker 1>And USh click, well, that makes sense. Nickeolte paces our guests.

0:13:12.280 --> 0:13:15.440
<v Speaker 1>She is the founder of nutri Source that was all

0:13:15.480 --> 0:13:17.560
<v Speaker 1>the way back in two thousand and two. It provides

0:13:17.640 --> 0:13:22.480
<v Speaker 1>high quality education, counseling, and nutrition services with that holistic

0:13:22.520 --> 0:13:24.680
<v Speaker 1>approach to food, health and preventative care.

0:13:24.800 --> 0:13:25.280
<v Speaker 2>I love that.

0:13:25.760 --> 0:13:29.360
<v Speaker 1>I love the holistic approach. I have become more of

0:13:29.400 --> 0:13:31.880
<v Speaker 1>a fan of that as I've gotten on in life,

0:13:32.280 --> 0:13:35.600
<v Speaker 1>the holistic approach to medicine and food and nutrition and.

0:13:35.559 --> 0:13:36.120
<v Speaker 2>Things like that.

0:13:36.280 --> 0:13:40.080
<v Speaker 1>Sometimes we just walk into the grocery store and grab something.

0:13:40.120 --> 0:13:42.080
<v Speaker 1>You know, I'll get this, I'll make this tonight, I'll

0:13:42.120 --> 0:13:44.240
<v Speaker 1>do that. And we don't think when we go in,

0:13:44.320 --> 0:13:46.000
<v Speaker 1>you know, we kind of zone out and just grab

0:13:46.040 --> 0:13:47.920
<v Speaker 1>what we think we need at home, but if you

0:13:47.960 --> 0:13:52.520
<v Speaker 1>take a holistic approach to anything, let alone nutrition, you're

0:13:52.559 --> 0:13:54.920
<v Speaker 1>probably going to be better off. And I'm not saying

0:13:54.960 --> 0:13:57.160
<v Speaker 1>that to both boost your business. I'm sure your business

0:13:57.240 --> 0:13:59.400
<v Speaker 1>is fine, nickelat but I think we need to start

0:13:59.400 --> 0:14:02.120
<v Speaker 1>thinking more of that's that way about things, don't you?

0:14:03.080 --> 0:14:05.520
<v Speaker 4>Absolutely and diverse of art much more.

0:14:05.520 --> 0:14:06.920
<v Speaker 3>Because I realized the best.

0:14:06.679 --> 0:14:08.959
<v Speaker 4>Way is not doing it the one under timment anymore.

0:14:09.000 --> 0:14:11.400
<v Speaker 4>It's really to take to the airwaves and said he

0:14:11.679 --> 0:14:14.600
<v Speaker 4>get these messages out on a border audience.

0:14:14.640 --> 0:14:15.960
<v Speaker 3>So this year will.

0:14:16.000 --> 0:14:18.320
<v Speaker 4>Twenty twenty six, well, we will finally premiere my new show,

0:14:18.320 --> 0:14:21.320
<v Speaker 4>which I'm hosting is called Helse Track The nicolet Pay Show.

0:14:21.400 --> 0:14:23.280
<v Speaker 4>So it's expanding and we are going to be stated

0:14:23.280 --> 0:14:25.360
<v Speaker 4>in the art the things that people have never heard

0:14:25.440 --> 0:14:27.040
<v Speaker 4>on any other news network.

0:14:27.080 --> 0:14:28.680
<v Speaker 3>I'm a deequin to this stuff.

0:14:28.840 --> 0:14:32.040
<v Speaker 2>Where's the show going to be? What what pow platform?

0:14:32.280 --> 0:14:35.080
<v Speaker 4>It's going to secure a Roku channel and I'll be

0:14:35.120 --> 0:14:37.400
<v Speaker 4>bailable on all of the other regular podcast channels that

0:14:37.440 --> 0:14:39.680
<v Speaker 4>my other podcast was. But it's going to be video

0:14:39.840 --> 0:14:43.160
<v Speaker 4>and they have a whole studio built and it's really

0:14:43.520 --> 0:14:44.440
<v Speaker 4>quite excited about it.

0:14:44.480 --> 0:14:46.160
<v Speaker 2>That's right, I got I got a Roku I got.

0:14:46.160 --> 0:14:48.600
<v Speaker 1>I got three of those Roku TVs all over my house,

0:14:48.640 --> 0:14:50.720
<v Speaker 1>so I just turn on Roku and I can find

0:14:50.760 --> 0:14:51.120
<v Speaker 1>it right.

0:14:51.920 --> 0:14:53.400
<v Speaker 3>Yeah, but we haven't premiered it yet.

0:14:53.400 --> 0:14:55.960
<v Speaker 4>This whole lot I'm working on, like I'm working on

0:14:56.040 --> 0:14:59.520
<v Speaker 4>renovating a NEOs imposed origin colonial form out.

0:15:01.320 --> 0:15:03.960
<v Speaker 2>Well on a grander Dale scale.

0:15:03.960 --> 0:15:05.800
<v Speaker 1>Good luck with that, but I'll look forward to that

0:15:05.880 --> 0:15:08.240
<v Speaker 1>maybe in the spring, and in maybe in the summer.

0:15:08.360 --> 0:15:10.920
<v Speaker 4>You think, oh, I'm not going by the spring, because

0:15:11.080 --> 0:15:12.880
<v Speaker 4>we were very much more than most of the elements

0:15:12.920 --> 0:15:14.880
<v Speaker 4>I had. But I just got a production schedule, dombi

0:15:14.960 --> 0:15:18.960
<v Speaker 4>on the equipment and excited.

0:15:18.840 --> 0:15:19.720
<v Speaker 3>And you can be my guest.

0:15:20.440 --> 0:15:23.640
<v Speaker 1>I would love to return the favor. And then you

0:15:23.640 --> 0:15:25.640
<v Speaker 1>could tell me how dumb I am about some of

0:15:25.640 --> 0:15:27.800
<v Speaker 1>the things I do. We'll turn it into something. It'd

0:15:27.840 --> 0:15:30.160
<v Speaker 1>be fantastic. I would love to do that, Nikola, Thank

0:15:30.160 --> 0:15:32.680
<v Speaker 1>you for saying that. In the meantime, I wish you

0:15:32.680 --> 0:15:34.480
<v Speaker 1>a happy new Year. It sounds like it's going to

0:15:34.480 --> 0:15:36.800
<v Speaker 1>be a good new year for you, And I know

0:15:36.840 --> 0:15:38.800
<v Speaker 1>you didn't overdo it last night, so I know it's

0:15:38.840 --> 0:15:40.960
<v Speaker 1>going to be a good day for you. And I

0:15:40.960 --> 0:15:43.400
<v Speaker 1>don't need to say stay well to you, but I'll

0:15:43.400 --> 0:15:45.520
<v Speaker 1>say it anyway, Stay well and only the best in

0:15:45.560 --> 0:15:47.720
<v Speaker 1>twenty twenty six. Thanks for your time today.

0:15:48.440 --> 0:15:50.360
<v Speaker 3>You're welcome, You healthy, to be happy. Thank you.

0:15:50.440 --> 0:15:50.640
<v Speaker 4>Ken.

0:15:50.840 --> 0:15:53.160
<v Speaker 1>That doesn't help sitting on the couch right now saying

0:15:53.200 --> 0:15:56.160
<v Speaker 1>to yourself, oh my, what in the world? And I

0:15:56.240 --> 0:16:00.920
<v Speaker 1>knew last night, but it may help you from doing

0:16:00.960 --> 0:16:05.320
<v Speaker 1>the same thing. New Year's Eve, twenty twenty six. It's

0:16:05.360 --> 0:16:07.560
<v Speaker 1>all right, it's okay, it's all right. You'll be fine

0:16:07.560 --> 0:16:09.760
<v Speaker 1>in a day. Don't worry about it coming up on

0:16:09.800 --> 0:16:13.480
<v Speaker 1>twelve twenty six. On this New Year's Day, twenty twenty six,

0:16:13.560 --> 0:16:16.240
<v Speaker 1>it's the average American and for the great American. On

0:16:16.360 --> 0:16:29.600
<v Speaker 1>news radio seven hundred wl W, it is one O

0:16:29.760 --> 0:16:34.080
<v Speaker 1>eight on this New Year's Day twenty and twenty six.

0:16:34.240 --> 0:16:38.440
<v Speaker 1>How do you use that twenty and twenty six when

0:16:38.480 --> 0:16:40.360
<v Speaker 1>you write out check? If you still write out checks,

0:16:40.360 --> 0:16:41.880
<v Speaker 1>you gotta put twenty twenty six on it.

0:16:41.960 --> 0:16:42.120
<v Speaker 3>Now.

0:16:42.400 --> 0:16:45.720
<v Speaker 1>Everything is twenty twenty six, twenty twenty six. It doesn't

0:16:45.760 --> 0:16:48.320
<v Speaker 1>matter whether it's twenty twenty six or nineteen ninety six,

0:16:48.400 --> 0:16:52.360
<v Speaker 1>or nineteen forty six or twenty thirty six. Everybody, it

0:16:52.440 --> 0:16:56.200
<v Speaker 1>seems like, are resolved to do things in an upcoming

0:16:56.240 --> 0:16:58.160
<v Speaker 1>new year. They used to be kind of quaint. You'd

0:16:58.200 --> 0:17:02.480
<v Speaker 1>make New Year's resolutions. I'm going to stop smoking. I'm

0:17:02.520 --> 0:17:06.600
<v Speaker 1>going to stop smoking in this new year. Or I'm

0:17:06.640 --> 0:17:08.720
<v Speaker 1>going to I am finally going to go to the

0:17:08.800 --> 0:17:13.800
<v Speaker 1>gym and get back into shape. Or I'm jib going

0:17:13.840 --> 0:17:16.360
<v Speaker 1>to cut down on drinking. I just gotta cut down

0:17:16.400 --> 0:17:19.320
<v Speaker 1>on drinking. Or it might be something that's no kind

0:17:19.320 --> 0:17:22.400
<v Speaker 1>of warm and fuzzysmore time with the family. Maybe you're

0:17:22.400 --> 0:17:24.680
<v Speaker 1>going to adopt a pet. Maybe that pet is going

0:17:24.720 --> 0:17:26.680
<v Speaker 1>to find a great home in your house. There could

0:17:26.680 --> 0:17:31.800
<v Speaker 1>be all kinds of things. Unfortunately, most New Year's resolutions

0:17:31.840 --> 0:17:36.760
<v Speaker 1>go out the window after the first month, and pretty much,

0:17:37.800 --> 0:17:40.359
<v Speaker 1>I don't know, like eighty ninety percent are never fully

0:17:40.400 --> 0:17:45.320
<v Speaker 1>realized for an entire year. But finances have always been

0:17:45.520 --> 0:17:49.280
<v Speaker 1>a major thinking point on New Year's even New Year's Day.

0:17:50.320 --> 0:17:56.680
<v Speaker 1>Financial betterment, financial resources, better care of such is what

0:17:56.760 --> 0:17:58.679
<v Speaker 1>I think a lot of people think about when they

0:17:58.680 --> 0:18:02.000
<v Speaker 1>make New Year's resolutions. So I saw with interest this

0:18:02.400 --> 0:18:05.159
<v Speaker 1>story that was on a website called The Motley Fool.

0:18:05.960 --> 0:18:10.080
<v Speaker 1>The Motley Fool is a financial advice website, and they

0:18:10.119 --> 0:18:13.320
<v Speaker 1>surveyed about two thousand of us, maybe not you, maybe

0:18:13.320 --> 0:18:15.840
<v Speaker 1>not me, but two thousand Americans to find out what

0:18:15.960 --> 0:18:20.640
<v Speaker 1>people's most common financial resolutions are. And the usual stuff

0:18:20.920 --> 0:18:25.080
<v Speaker 1>came came up. Paying off debt, saving for something big

0:18:25.119 --> 0:18:29.240
<v Speaker 1>in life, increasing income, saving for retirement, reducing spending, all

0:18:29.280 --> 0:18:32.240
<v Speaker 1>the things that you would like to do but maybe

0:18:32.280 --> 0:18:36.639
<v Speaker 1>don't have the patience or the wherewithal to do so.

0:18:37.280 --> 0:18:40.960
<v Speaker 1>Over and above that, what would be some good financial

0:18:41.119 --> 0:18:46.560
<v Speaker 1>resolutions to make today that are realistic that you might

0:18:46.600 --> 0:18:49.800
<v Speaker 1>be able to follow through and be better this time

0:18:49.960 --> 0:18:54.120
<v Speaker 1>in twenty twenty seven. Ron Glasgow is an interesting guy.

0:18:54.200 --> 0:18:56.840
<v Speaker 1>He has served this country in uniform. He was in

0:18:57.920 --> 0:19:01.840
<v Speaker 1>the United States Marines for about twenty years, started his

0:19:01.920 --> 0:19:06.160
<v Speaker 1>own financial services career back in twenty two thousand and one.

0:19:06.200 --> 0:19:09.960
<v Speaker 1>Actually it's always been at this for twenty five years.

0:19:10.000 --> 0:19:13.640
<v Speaker 1>And he's somebody that understands that oftentimes what we resolve

0:19:13.720 --> 0:19:15.880
<v Speaker 1>to do, we don't often do. But one of these

0:19:16.600 --> 0:19:21.240
<v Speaker 1>top five financial New Year's resolutions for twenty twenty six,

0:19:22.040 --> 0:19:24.640
<v Speaker 1>Ron glasgalhow are you on this glorious New Year's Day?

0:19:25.680 --> 0:19:26.639
<v Speaker 3>I'm doing great. How about you?

0:19:27.240 --> 0:19:27.920
<v Speaker 2>I'm doing well.

0:19:27.920 --> 0:19:30.320
<v Speaker 1>I'm excited for the new year. I'm excited for twenty

0:19:30.320 --> 0:19:32.080
<v Speaker 1>twenty six. I think the last time we had you

0:19:32.160 --> 0:19:34.199
<v Speaker 1>on the show, you and I got into a conversation

0:19:34.280 --> 0:19:36.919
<v Speaker 1>about twenty twenty six, and we both kind of agree

0:19:36.920 --> 0:19:39.639
<v Speaker 1>that twenty twenty six right now looks like it should

0:19:39.680 --> 0:19:43.400
<v Speaker 1>be a robust year financially for tens, if not hundreds

0:19:43.440 --> 0:19:46.280
<v Speaker 1>of millions of Americans. Are you still feeling bullish about

0:19:46.280 --> 0:19:47.200
<v Speaker 1>twenty twenty six?

0:19:48.560 --> 0:19:51.200
<v Speaker 6>Yeah, you know, I cry be very pragmatic about these things.

0:19:51.200 --> 0:19:53.280
<v Speaker 6>So you know, we all hope that we're going to

0:19:53.320 --> 0:19:57.880
<v Speaker 6>have a great year. But you know, dars darthum headwinds

0:19:57.920 --> 0:20:00.080
<v Speaker 6>that get a couple of them.

0:19:59.640 --> 0:20:01.880
<v Speaker 3>You know, plation is still kind of treading there.

0:20:02.240 --> 0:20:05.080
<v Speaker 6>You know, some unemployment numbers, but you know that's something

0:20:05.119 --> 0:20:08.000
<v Speaker 6>egghead like me really worry about more than anything. I

0:20:08.000 --> 0:20:10.800
<v Speaker 6>think as of now, you know, I'll find for go.

0:20:10.920 --> 0:20:12.560
<v Speaker 6>The economy is looking fairly selling.

0:20:13.000 --> 0:20:16.520
<v Speaker 1>I looked at the GDP, the most recent GDP at

0:20:16.520 --> 0:20:19.240
<v Speaker 1>four point three percent. Now Americans will say, well, how

0:20:19.280 --> 0:20:21.720
<v Speaker 1>does that affect me? Well, it affects you because if

0:20:21.720 --> 0:20:24.840
<v Speaker 1>that's doing well, chances are other indicators are doing well.

0:20:25.240 --> 0:20:29.000
<v Speaker 1>Inflation is lower, I think than what most people expected.

0:20:29.080 --> 0:20:31.760
<v Speaker 1>It's infinitely lower than what it was three years ago.

0:20:32.240 --> 0:20:34.440
<v Speaker 1>And that's what I look at, along with the price

0:20:34.480 --> 0:20:37.960
<v Speaker 1>of diesel fuel, which is what fuels the trucking industry,

0:20:38.040 --> 0:20:40.280
<v Speaker 1>which is what fuels the economy, and I think those

0:20:40.320 --> 0:20:43.359
<v Speaker 1>indicators lead me to believe that maybe some of these

0:20:43.400 --> 0:20:46.199
<v Speaker 1>headwinds that you're talking about may be buffeted by the

0:20:46.240 --> 0:20:48.240
<v Speaker 1>things I just talked about. Would that be a fair

0:20:49.000 --> 0:20:49.600
<v Speaker 1>thing to think?

0:20:50.640 --> 0:20:53.160
<v Speaker 3>Yeah? You think so? Those are all great things.

0:20:53.160 --> 0:20:54.919
<v Speaker 6>There's no doubt that we're in a much better position

0:20:54.960 --> 0:20:56.400
<v Speaker 6>now than we were several months ago.

0:20:57.640 --> 0:21:00.640
<v Speaker 3>The equalies especially we talked about in placement and the things.

0:21:01.000 --> 0:21:03.440
<v Speaker 6>You know, lookten, we're right, you're coming out where as

0:21:03.480 --> 0:21:06.000
<v Speaker 6>low as we quite want it to be, but it's

0:21:06.119 --> 0:21:09.320
<v Speaker 6>if they're very solid numbers. My concern is always you

0:21:09.480 --> 0:21:13.120
<v Speaker 6>have the inflation that's under control now, but it's still

0:21:13.160 --> 0:21:15.440
<v Speaker 6>on top of that huge run up that we had previously,

0:21:15.920 --> 0:21:19.120
<v Speaker 6>and that's where it kind of pitches the middle class,

0:21:19.200 --> 0:21:21.240
<v Speaker 6>and that's where people are saying, look, I just don't

0:21:21.240 --> 0:21:24.399
<v Speaker 6>have the same purchasing power you have. But that becomes

0:21:24.440 --> 0:21:28.520
<v Speaker 6>somewhat of an issue that said, you know, you can't reverse,

0:21:28.560 --> 0:21:31.200
<v Speaker 6>you can't rewind you just have to play the hand

0:21:31.200 --> 0:21:33.439
<v Speaker 6>that you're dell in the current day, and that's what

0:21:33.480 --> 0:21:33.920
<v Speaker 6>we're doing.

0:21:33.960 --> 0:21:36.600
<v Speaker 3>And things are clearly much better than they were previously.

0:21:36.720 --> 0:21:40.480
<v Speaker 1>Right because inflation, you know this, I know this is compounded.

0:21:40.560 --> 0:21:43.240
<v Speaker 1>It's not it just doesn't go magically to another number

0:21:43.359 --> 0:21:45.640
<v Speaker 1>each and every month. It's compounded on top of where

0:21:45.680 --> 0:21:48.959
<v Speaker 1>you were. So if it was two point what seven percent,

0:21:49.760 --> 0:21:51.840
<v Speaker 1>a little under two point seven percent here in the

0:21:51.920 --> 0:21:55.320
<v Speaker 1>last month, that's two point seven percent compounded on what

0:21:55.359 --> 0:21:57.879
<v Speaker 1>it was a year ago. So it's just it's exactly

0:21:58.240 --> 0:22:01.199
<v Speaker 1>and it rarely gets below zero percent. So I mean,

0:22:01.240 --> 0:22:03.679
<v Speaker 1>you're a victim of the way you were before. But anyway,

0:22:03.760 --> 0:22:07.040
<v Speaker 1>I'm encouraged by what I see here as Americans. Five

0:22:07.160 --> 0:22:10.720
<v Speaker 1>top financial New Year's resolutions, and number one is paying

0:22:10.720 --> 0:22:13.760
<v Speaker 1>off debt. If there's one thing that will strangle you

0:22:13.920 --> 0:22:16.120
<v Speaker 1>in a personal life, if there's one thing that will

0:22:16.160 --> 0:22:18.600
<v Speaker 1>keep you from achieving all that you want, it's an

0:22:18.600 --> 0:22:22.360
<v Speaker 1>accumulation of debt. It's okay if the federal government does it, well,

0:22:22.359 --> 0:22:22.679
<v Speaker 1>it's not.

0:22:22.880 --> 0:22:24.880
<v Speaker 2>But they play by different rules.

0:22:24.920 --> 0:22:27.439
<v Speaker 1>But if you play by those rules, you will be

0:22:27.560 --> 0:22:29.919
<v Speaker 1>in a world of hurt, probably for your life. So

0:22:29.960 --> 0:22:33.119
<v Speaker 1>if you've got debt that you can buy down whatever

0:22:33.160 --> 0:22:35.359
<v Speaker 1>way possible, I think that you should do that.

0:22:35.280 --> 0:22:38.040
<v Speaker 2>Whether it's a New Year's resolution or any day of

0:22:38.080 --> 0:22:38.360
<v Speaker 2>the week.

0:22:38.400 --> 0:22:41.960
<v Speaker 6>Would you agree, Yeah, I mean, you know, it depends

0:22:42.000 --> 0:22:43.720
<v Speaker 6>on what kind of debt as well. So you know,

0:22:43.800 --> 0:22:45.399
<v Speaker 6>the whole mortgage, that's not a bad debt to have.

0:22:45.640 --> 0:22:48.400
<v Speaker 6>Typically it's inductible and it's how you get into a house.

0:22:48.480 --> 0:22:49.680
<v Speaker 6>Unpsily does border rich.

0:22:50.560 --> 0:22:51.520
<v Speaker 3>You know, if you got to have a car to

0:22:51.560 --> 0:22:53.720
<v Speaker 3>go to work, you gotta have a car payment. Those

0:22:53.720 --> 0:22:54.600
<v Speaker 3>are kinds of things.

0:22:54.600 --> 0:22:59.000
<v Speaker 6>That's the credit card debt is the thing that's the

0:22:59.000 --> 0:23:02.639
<v Speaker 6>most concerning because so many people have mounting credit card bills,

0:23:03.560 --> 0:23:05.840
<v Speaker 6>and those of the industrates will just absolutely kill you

0:23:05.840 --> 0:23:07.200
<v Speaker 6>our struggle you as you just sent.

0:23:07.960 --> 0:23:09.800
<v Speaker 3>If you're really looking at the debt that you have, sel.

0:23:09.760 --> 0:23:12.560
<v Speaker 6>Just necessary, but you think it's not necessary, I mean,

0:23:13.040 --> 0:23:15.360
<v Speaker 6>get rid of pay that office quickly as a gag.

0:23:15.400 --> 0:23:18.760
<v Speaker 6>And the illustrates attest to it are typically pretty high, okay,

0:23:19.240 --> 0:23:19.960
<v Speaker 6>and that's fair.

0:23:20.320 --> 0:23:22.439
<v Speaker 1>I would love to see some sort of regulation on

0:23:22.480 --> 0:23:24.960
<v Speaker 1>the amount of interest credit card companies and banks can

0:23:25.040 --> 0:23:28.240
<v Speaker 1>charge on those things. But I'm not a big government interventionist,

0:23:28.320 --> 0:23:30.600
<v Speaker 1>but I would like to see that at least addressed,

0:23:31.600 --> 0:23:34.840
<v Speaker 1>So paying off debt, saving for something big like a trip,

0:23:35.320 --> 0:23:38.680
<v Speaker 1>or a retirement plan. I think retirement. I think retirement

0:23:38.760 --> 0:23:41.440
<v Speaker 1>plans should get more focused. And I'm not talking about

0:23:41.480 --> 0:23:44.440
<v Speaker 1>boomers or anything like that. I'm talking about the gen

0:23:44.560 --> 0:23:47.320
<v Speaker 1>Z crowd, the gen y crowd. If you've got a

0:23:47.359 --> 0:23:49.760
<v Speaker 1>four to oh one K at where you work, you're

0:23:49.800 --> 0:23:52.719
<v Speaker 1>an absolute nut. If you do not buy into that

0:23:52.800 --> 0:23:56.800
<v Speaker 1>to the maximum you can contribute with your employer or matching,

0:23:56.840 --> 0:23:58.919
<v Speaker 1>and normally that's what the employer kicks in up to

0:23:58.960 --> 0:24:02.480
<v Speaker 1>three to six that's what your income you should be

0:24:02.520 --> 0:24:05.439
<v Speaker 1>contributing to. You're making money at that point. So I

0:24:05.440 --> 0:24:07.679
<v Speaker 1>think that should be a goal, particularly for the for

0:24:07.720 --> 0:24:09.000
<v Speaker 1>the younger crowd, don't.

0:24:08.760 --> 0:24:12.840
<v Speaker 6>You Yeah, I mean for anything that's match that's free money.

0:24:13.160 --> 0:24:15.000
<v Speaker 6>So if you don't take it, you're just leaving down

0:24:15.040 --> 0:24:18.119
<v Speaker 6>on the table. You should always invest up to your

0:24:18.119 --> 0:24:20.080
<v Speaker 6>four one K your company'sponths to plan up to the

0:24:20.119 --> 0:24:23.200
<v Speaker 6>massing amount. After that, you wanted to determine the raw

0:24:23.280 --> 0:24:27.560
<v Speaker 6>better or or not. But then even these days, the

0:24:27.560 --> 0:24:29.560
<v Speaker 6>four one K plans have a rock competent as well.

0:24:29.640 --> 0:24:31.560
<v Speaker 6>So you could do it kind of all in one,

0:24:32.000 --> 0:24:34.440
<v Speaker 6>take advantage of the matches to contribute to your retirement.

0:24:34.840 --> 0:24:36.879
<v Speaker 3>But that's certainly a lot more important than planning for

0:24:36.920 --> 0:24:37.400
<v Speaker 3>a big trip.

0:24:37.800 --> 0:24:41.040
<v Speaker 1>I would say reduce spending is on this top five list.

0:24:41.040 --> 0:24:42.879
<v Speaker 1>By the way, this is a survey that done was

0:24:42.880 --> 0:24:44.760
<v Speaker 1>done by the Moley Fool, which is.

0:24:44.720 --> 0:24:46.320
<v Speaker 2>A financial website.

0:24:46.320 --> 0:24:50.240
<v Speaker 1>About two thousand Americans participated reducing spending.

0:24:50.240 --> 0:24:51.520
<v Speaker 2>Everybody wants to do that.

0:24:51.680 --> 0:24:54.800
<v Speaker 1>I think they look at what the bills have, particularly

0:24:54.880 --> 0:24:57.280
<v Speaker 1>in the last month, have have piled up to and

0:24:57.280 --> 0:24:58.879
<v Speaker 1>they say, yeah, I got to cut down on spending.

0:24:58.960 --> 0:25:01.600
<v Speaker 1>That's not that It's great perhaps for you personally, but

0:25:01.800 --> 0:25:04.840
<v Speaker 1>that's not great news for the economy, is it going forward?

0:25:04.880 --> 0:25:07.679
<v Speaker 1>The economy is dependent on people spending money, is it not?

0:25:07.800 --> 0:25:11.200
<v Speaker 6>Run the kondomy is depending on people sitting money to

0:25:11.240 --> 0:25:14.200
<v Speaker 6>a large extent. However, you know, you've got to look

0:25:14.200 --> 0:25:17.159
<v Speaker 6>at your own personal situation first, so you don't want

0:25:17.200 --> 0:25:19.720
<v Speaker 6>to sit it frivolously. You know, it's not our job

0:25:19.840 --> 0:25:23.399
<v Speaker 6>to stimulate the economy as individuals. That the byproducts of

0:25:23.560 --> 0:25:26.920
<v Speaker 6>just being an American, and American's business is business.

0:25:27.000 --> 0:25:28.960
<v Speaker 3>So if you're taking care of all of the sentities.

0:25:29.359 --> 0:25:32.280
<v Speaker 3>Spending a little bit extra for entertainment certainly will hurt

0:25:32.600 --> 0:25:33.080
<v Speaker 3>the economy.

0:25:33.080 --> 0:25:35.080
<v Speaker 6>Will be fine if everyone does that, but make sure

0:25:35.119 --> 0:25:38.560
<v Speaker 6>that you're you're paying off that bet and then cutting

0:25:38.600 --> 0:25:39.919
<v Speaker 6>back on trivial of spending.

0:25:40.280 --> 0:25:44.719
<v Speaker 1>Now, from a tax standpoint, twenty twenty six, things are changing.

0:25:45.119 --> 0:25:47.159
<v Speaker 1>Twenty twenty five's in the bank here in just a

0:25:47.200 --> 0:25:51.040
<v Speaker 1>day or two. But twenty twenty six things change because

0:25:51.080 --> 0:25:54.399
<v Speaker 1>of the one big beautiful law that was signed into

0:25:54.720 --> 0:25:58.159
<v Speaker 1>law on July fourth, No tax on tips. That's great

0:25:58.440 --> 0:26:00.600
<v Speaker 1>if you're in the food service industry. But you got

0:26:00.640 --> 0:26:02.359
<v Speaker 1>to keep track of those things, right, You got to

0:26:02.359 --> 0:26:04.359
<v Speaker 1>You got to do a little paperwork on those You

0:26:04.359 --> 0:26:06.359
<v Speaker 1>can't just pocket the money and say I'm fine, no

0:26:06.440 --> 0:26:09.440
<v Speaker 1>tax on tips. You've got to keep track of those things, correct.

0:26:10.920 --> 0:26:15.440
<v Speaker 6>Yeah, yes, So when it comes to the things like tipping, yeah,

0:26:16.080 --> 0:26:16.520
<v Speaker 6>you've got.

0:26:16.400 --> 0:26:17.919
<v Speaker 3>To keep track of it. And look, it's a lot

0:26:17.960 --> 0:26:19.000
<v Speaker 3>easier to do these days.

0:26:19.160 --> 0:26:23.160
<v Speaker 6>Everybody's credit cards, so you're it's going to be it's

0:26:23.160 --> 0:26:25.439
<v Speaker 6>going to be calculated no matter what. So you want

0:26:25.480 --> 0:26:27.200
<v Speaker 6>to make sure you stay on top of that and

0:26:27.840 --> 0:26:29.600
<v Speaker 6>just you know, and then goes for oll of yours.

0:26:29.640 --> 0:26:30.879
<v Speaker 3>But in terms of all of your income.

0:26:31.000 --> 0:26:33.200
<v Speaker 6>You really just want to keep a running letter of

0:26:33.520 --> 0:26:36.360
<v Speaker 6>what you're making to avoid any hot water with the ir.

0:26:36.480 --> 0:26:39.280
<v Speaker 1>Okay, yeah, absolutely, and you're right. I think it is

0:26:39.320 --> 0:26:42.800
<v Speaker 1>easier because of people that use credit cards now and

0:26:43.119 --> 0:26:45.600
<v Speaker 1>I sometimes I use cash. It depends on the amount

0:26:45.600 --> 0:26:47.960
<v Speaker 1>of the bill, but still you got to keep track

0:26:48.000 --> 0:26:52.760
<v Speaker 1>of that. Now, this one big beautiful law that Trump

0:26:52.840 --> 0:26:56.520
<v Speaker 1>got through Congress, I'm wondering what the tax cuts are.

0:26:56.560 --> 0:26:59.879
<v Speaker 1>We keep hearing about the Trump tax cuts. What is

0:27:00.080 --> 0:27:02.840
<v Speaker 1>that mean for me and everybody else walking around here

0:27:02.840 --> 0:27:05.199
<v Speaker 1>in the greater Cincinnati area? Am I going to be

0:27:05.320 --> 0:27:08.320
<v Speaker 1>taxed less? Am I going to have to pay less

0:27:08.359 --> 0:27:10.639
<v Speaker 1>income tax in twenty twenty six?

0:27:11.920 --> 0:27:15.040
<v Speaker 6>Yeah? It's you know, it was a controversial bill, right,

0:27:15.160 --> 0:27:17.359
<v Speaker 6>That was the one that sort of split up Elin

0:27:17.480 --> 0:27:18.199
<v Speaker 6>and Trump.

0:27:19.119 --> 0:27:21.159
<v Speaker 3>So that's shows you how controversial it was.

0:27:22.680 --> 0:27:26.119
<v Speaker 6>At the end of the day, whatever the bill is

0:27:26.119 --> 0:27:29.520
<v Speaker 6>is going to trickle down to your particular situation. So

0:27:29.520 --> 0:27:32.320
<v Speaker 6>that's where you want to look at how it affects you.

0:27:32.840 --> 0:27:35.880
<v Speaker 6>And more importantly, all I should insult with the tax

0:27:35.920 --> 0:27:37.560
<v Speaker 6>professional on that one, because.

0:27:37.359 --> 0:27:38.640
<v Speaker 3>You're individual taxes.

0:27:39.640 --> 0:27:41.960
<v Speaker 6>Elis want to go to that tax professional I'm pretty

0:27:41.960 --> 0:27:45.199
<v Speaker 6>good about helping people to an extent with investments, but

0:27:45.400 --> 0:27:47.359
<v Speaker 6>you know we rely on our tax partners mostly.

0:27:47.440 --> 0:27:47.640
<v Speaker 5>Yeah.

0:27:47.680 --> 0:27:49.800
<v Speaker 1>Absolutely, But I mean it just stands to reason, like,

0:27:49.920 --> 0:27:53.040
<v Speaker 1>for example, if if if I made with a wish,

0:27:53.160 --> 0:27:55.760
<v Speaker 1>if I made one hundred thousand dollars last year and

0:27:55.840 --> 0:27:58.760
<v Speaker 1>I was taxed on that, and I forget what the

0:27:58.800 --> 0:28:00.720
<v Speaker 1>tax rate would be on that, Let's just say it's

0:28:00.760 --> 0:28:04.280
<v Speaker 1>thirty percent for a round number. Should I expect that

0:28:04.359 --> 0:28:07.520
<v Speaker 1>thirty percent to go to twenty five percent to twenty percent.

0:28:07.560 --> 0:28:08.840
<v Speaker 1>I'm just trying to get a feel here. I know

0:28:08.880 --> 0:28:11.040
<v Speaker 1>you're not a tax by, but I'm sure you file

0:28:11.080 --> 0:28:13.600
<v Speaker 1>income tax might try to get I'm just trying to

0:28:13.600 --> 0:28:16.040
<v Speaker 1>get a feel about what it means. I mean, and

0:28:16.200 --> 0:28:18.280
<v Speaker 1>just in terms of dollars, even if it's not the

0:28:18.359 --> 0:28:20.760
<v Speaker 1>percentage we can talk about, is it just going to

0:28:20.800 --> 0:28:23.600
<v Speaker 1>mean that I have to pay less in twenty twenty six.

0:28:24.800 --> 0:28:25.040
<v Speaker 3>Yeah.

0:28:26.560 --> 0:28:27.800
<v Speaker 6>Well, one thing I always want to point out is

0:28:27.800 --> 0:28:30.280
<v Speaker 6>if people forget this, and they forget there's an effective rate.

0:28:30.280 --> 0:28:33.160
<v Speaker 3>Versus you know, the set rate.

0:28:33.240 --> 0:28:35.920
<v Speaker 6>So when the text rate says thirty two percent, that

0:28:35.920 --> 0:28:37.960
<v Speaker 6>doesn't mean you're paying thirty two percent on everything you

0:28:38.080 --> 0:28:40.400
<v Speaker 6>made it's cheers for like a wedding cake. And how

0:28:40.440 --> 0:28:42.400
<v Speaker 6>I was still to explained to me thirty years ago

0:28:42.440 --> 0:28:45.200
<v Speaker 6>when I was learning this, So are you going to

0:28:45.240 --> 0:28:49.240
<v Speaker 6>pay less potentially, but remember you just pay less on

0:28:49.440 --> 0:28:51.280
<v Speaker 6>that amount that hits that next.

0:28:51.760 --> 0:28:52.520
<v Speaker 3>Bracket wrung up.

0:28:52.560 --> 0:28:55.040
<v Speaker 6>I don't have those in front of me, but it's

0:28:55.160 --> 0:28:58.720
<v Speaker 6>not going to just drastically reduce you from dollar one

0:28:59.160 --> 0:29:01.000
<v Speaker 6>because the text god to the instruction that way.

0:29:01.080 --> 0:29:02.880
<v Speaker 3>Again, it's kind of takes stereo.

0:29:03.960 --> 0:29:04.320
<v Speaker 2>Okay.

0:29:04.760 --> 0:29:08.240
<v Speaker 1>Ron Glasgow is our guest and he's an investment guru.

0:29:08.360 --> 0:29:10.360
<v Speaker 1>He can help you get your money where it needs

0:29:10.360 --> 0:29:12.400
<v Speaker 1>to go to do things that you only dream of.

0:29:13.200 --> 0:29:15.800
<v Speaker 1>The feed is cutting rates. BET cut a rate by

0:29:15.800 --> 0:29:19.600
<v Speaker 1>a quarter percentage point a couple of weeks ago. More

0:29:19.680 --> 0:29:22.280
<v Speaker 1>rate cuts are coming in twenty twenty six. From an

0:29:22.320 --> 0:29:26.400
<v Speaker 1>investment standpoint, if you see those rates getting cut and

0:29:26.480 --> 0:29:29.120
<v Speaker 1>another one expected next year, would it not make sense

0:29:29.160 --> 0:29:32.720
<v Speaker 1>to open a CD or a high yield savings account

0:29:32.760 --> 0:29:35.320
<v Speaker 1>before these rates fall further? And would it not make

0:29:35.400 --> 0:29:38.160
<v Speaker 1>sense to do that before the next few days?

0:29:39.400 --> 0:29:42.440
<v Speaker 6>Sure well, they always say you when you're looking at

0:29:43.000 --> 0:29:44.600
<v Speaker 6>making sense of things like that.

0:29:44.640 --> 0:29:47.000
<v Speaker 3>I wouldn't necessarily worry about the rate cuts.

0:29:47.240 --> 0:29:49.320
<v Speaker 6>If you have the ability to open and checking or

0:29:49.400 --> 0:29:51.920
<v Speaker 6>tobahin savings account and you have money, then yes you

0:29:51.920 --> 0:29:57.200
<v Speaker 6>should put that into those high yielded accounts. You know

0:29:57.240 --> 0:29:59.160
<v Speaker 6>when the Fed does cut that, you will see you

0:29:59.200 --> 0:30:02.959
<v Speaker 6>go down. So I think it's pretty much fatter than

0:30:03.000 --> 0:30:05.240
<v Speaker 6>we'll do rake Ki. Although it's not certain, but you

0:30:05.240 --> 0:30:07.760
<v Speaker 6>know you sigure getting two or three months of interest

0:30:07.800 --> 0:30:09.600
<v Speaker 6>at that higher rate before it kicked down a quarter

0:30:09.640 --> 0:30:13.640
<v Speaker 6>a point. It's certainly helpful. But again the driver there

0:30:13.720 --> 0:30:16.280
<v Speaker 6>is do you have the money to say so? Well,

0:30:16.360 --> 0:30:18.360
<v Speaker 6>I mean put it into the staving the council gets

0:30:18.360 --> 0:30:19.320
<v Speaker 6>to the most money possible.

0:30:19.640 --> 0:30:23.240
<v Speaker 1>Ron Glasgow, our guest financial strategist, You know what's frightening

0:30:23.280 --> 0:30:24.560
<v Speaker 1>about all these resolutions?

0:30:24.640 --> 0:30:24.840
<v Speaker 3>Ron?

0:30:25.400 --> 0:30:27.200
<v Speaker 1>I mean, I've got the numbers here in front of me.

0:30:27.920 --> 0:30:31.440
<v Speaker 1>Very few New Year's resolutions are kept long term. About

0:30:31.520 --> 0:30:34.040
<v Speaker 1>six percent maybe a little bit more than that, if

0:30:34.040 --> 0:30:36.520
<v Speaker 1>people actually make a resolution on New Year's Day and

0:30:36.560 --> 0:30:38.400
<v Speaker 1>stick with it through the end of the year and

0:30:38.640 --> 0:30:42.000
<v Speaker 1>eighty percent. Stats tell us eighty percent of us just

0:30:42.160 --> 0:30:44.960
<v Speaker 1>bail on our New Year's resolutions by the end of January.

0:30:45.200 --> 0:30:46.800
<v Speaker 1>We're not a very disciplined society.

0:30:46.880 --> 0:30:50.440
<v Speaker 3>Are we not much? You know, it's kind of like

0:30:50.520 --> 0:30:53.640
<v Speaker 3>the gym, which I haven't been too and far too long.

0:30:54.720 --> 0:30:56.920
<v Speaker 6>But you know, when I work out heavily, you always

0:30:57.560 --> 0:30:59.640
<v Speaker 6>dread January because you know we're just going to be back,

0:31:00.040 --> 0:31:00.880
<v Speaker 6>you know, February.

0:31:00.920 --> 0:31:02.720
<v Speaker 3>It's better by March or back at the clear. Yeah,

0:31:02.760 --> 0:31:05.560
<v Speaker 3>so that unfortunately, that's great.

0:31:05.600 --> 0:31:07.760
<v Speaker 1>Yeah, you see people, you see people you haven't seen

0:31:07.840 --> 0:31:10.160
<v Speaker 1>in your life the day after New Year's and by

0:31:10.240 --> 0:31:11.280
<v Speaker 1>February they're gone.

0:31:11.760 --> 0:31:15.000
<v Speaker 2>I mean, you're you're putting out apbs on these guys.

0:31:15.040 --> 0:31:16.600
<v Speaker 2>Where did he go? What happened to these people?

0:31:16.680 --> 0:31:19.200
<v Speaker 1>But you're right, it's it's uh, it's going to get

0:31:19.240 --> 0:31:22.480
<v Speaker 1>packed in the gym early on here in the new year. Nevertheless, Ron,

0:31:22.600 --> 0:31:26.200
<v Speaker 1>good stuff as always, Ron Glasgow, you know your stuff,

0:31:26.400 --> 0:31:28.280
<v Speaker 1>stay well and we'll visit in the new year.

0:31:28.400 --> 0:31:29.240
<v Speaker 2>Thanks for your time.

0:31:29.120 --> 0:31:31.880
<v Speaker 3>Today, Yeah, thank you very much. I agree you having

0:31:31.960 --> 0:31:33.040
<v Speaker 3>you bet you bet.

0:31:34.360 --> 0:31:36.800
<v Speaker 1>One thing above all else if you're going to make

0:31:36.960 --> 0:31:41.160
<v Speaker 1>any financial resolutions for this year, is pay down your

0:31:41.240 --> 0:31:45.400
<v Speaker 1>credit card debt. As he said, mortgage car. I mean

0:31:45.440 --> 0:31:48.000
<v Speaker 1>that's they're okay to carrying notes on that credit card

0:31:48.080 --> 0:31:51.520
<v Speaker 1>debt with some of those approaching twenty two to twenty

0:31:51.600 --> 0:31:57.880
<v Speaker 1>three percent in terms of interest. I'm not a government interventionist,

0:31:58.600 --> 0:32:02.480
<v Speaker 1>not not for anything, but there's something that has to

0:32:02.560 --> 0:32:07.719
<v Speaker 1>be done with credit card interest rates. They're just absolutely astonishing, depressing.

0:32:09.560 --> 0:32:12.520
<v Speaker 1>I'd say it listens to steal money. But you went

0:32:12.840 --> 0:32:15.880
<v Speaker 1>into one of those willingly. You have to understand what

0:32:16.000 --> 0:32:19.040
<v Speaker 1>it means. Pay down the debt. Find a card with

0:32:19.240 --> 0:32:22.320
<v Speaker 1>zero balance, put everything on that card, and then pay

0:32:22.400 --> 0:32:25.920
<v Speaker 1>that card off every single month and get out from

0:32:26.000 --> 0:32:26.600
<v Speaker 1>underneath debt.

0:32:26.640 --> 0:32:29.560
<v Speaker 2>That ought to be number one for a New Year's resolution.

0:32:29.720 --> 0:32:30.080
<v Speaker 2>I did that.

0:32:30.920 --> 0:32:33.840
<v Speaker 1>Oh gosh, it's been about ten years ago, and it

0:32:34.120 --> 0:32:39.200
<v Speaker 1>was just emancipating when it came to financial concerns that

0:32:39.280 --> 0:32:42.200
<v Speaker 1>I had. We're at won twenty four on this New

0:32:42.240 --> 0:32:46.280
<v Speaker 1>Year's Day. Happy New Year, twenty twenty six. The Average

0:32:46.280 --> 0:32:49.200
<v Speaker 1>American in for the Great American News Radio seven hundred

0:32:49.440 --> 0:33:04.440
<v Speaker 1>WLW Welcome back, seven hundred WLW. It's the average American

0:33:04.520 --> 0:33:06.480
<v Speaker 1>in for the Great American on this New Year's Day.

0:33:06.840 --> 0:33:10.880
<v Speaker 1>Keeping track of the college football playoffs. Oregon and Texas

0:33:11.000 --> 0:33:15.040
<v Speaker 1>Tech in the Orange Bowl and now with eleven minutes

0:33:15.080 --> 0:33:17.680
<v Speaker 1>and twenty four seconds to go in the third quarter,

0:33:18.400 --> 0:33:22.960
<v Speaker 1>Oregon six and Texas Tech NA six.

0:33:23.080 --> 0:33:23.320
<v Speaker 3>Nothing.

0:33:25.240 --> 0:33:30.400
<v Speaker 1>Tonight it's Mississippi and Georgia and that will complete the

0:33:30.560 --> 0:33:35.200
<v Speaker 1>three games today. Mississippi and Georgia will square off in

0:33:35.280 --> 0:33:38.640
<v Speaker 1>the final. I guess these are quarterfinals. Yeah, the quarterfinals

0:33:38.720 --> 0:33:41.160
<v Speaker 1>of the college football playoff that will be in the

0:33:41.280 --> 0:33:48.160
<v Speaker 1>Sugar Bowl in the upcoming about four o'clock. In the

0:33:48.440 --> 0:33:52.040
<v Speaker 1>upcoming Rose Bowl, it will be Indiana, number one in

0:33:52.080 --> 0:33:57.240
<v Speaker 1>the country, number one seed in the country, Indiana against

0:33:57.320 --> 0:34:02.040
<v Speaker 1>Alabama and at the new Conference out there in Los

0:34:02.080 --> 0:34:04.960
<v Speaker 1>Angeles at Dull Pasadena actually where they're playing this thing.

0:34:05.680 --> 0:34:09.719
<v Speaker 1>One of the reporters as Kirk Signetti, who is the

0:34:09.760 --> 0:34:12.520
<v Speaker 1>head football coach of Indiana and a terrific one at that.

0:34:13.440 --> 0:34:18.120
<v Speaker 1>They asked him the grind year to year, season, the season,

0:34:18.280 --> 0:34:20.800
<v Speaker 1>and now the grind after the end of the regular

0:34:20.920 --> 0:34:24.040
<v Speaker 1>season and coming into your first playoff game of twenty

0:34:24.239 --> 0:34:27.359
<v Speaker 1>twenty six, how do you deal with that? Is there

0:34:27.360 --> 0:34:31.160
<v Speaker 1>a process? And do people get burned out? Here's what

0:34:31.280 --> 0:34:34.560
<v Speaker 1>Signetti said. I think this was very prescient on his part.

0:34:34.840 --> 0:34:36.719
<v Speaker 7>I've always tried to do is manage the grind a

0:34:36.760 --> 0:34:40.200
<v Speaker 7>little bit and be efficient in everything we do. I'm

0:34:40.239 --> 0:34:42.640
<v Speaker 7>a short practice guy. You know, I want to keep

0:34:42.680 --> 0:34:45.560
<v Speaker 7>the players fresh, keep me healthy. I'm the same way

0:34:45.600 --> 0:34:49.920
<v Speaker 7>with the coaches, you know. I'm very cognizant of their

0:34:49.960 --> 0:34:52.439
<v Speaker 7>family time, their free time. I think everybody needs time

0:34:52.480 --> 0:34:54.000
<v Speaker 7>to kind of get away and recalibrate.

0:34:55.680 --> 0:34:57.920
<v Speaker 2>So this business, you gotta love it.

0:34:59.120 --> 0:35:01.640
<v Speaker 7>If my dad told me at a very young age,

0:35:01.719 --> 0:35:04.000
<v Speaker 7>only go in it if you can't live without it.

0:35:04.600 --> 0:35:06.000
<v Speaker 3>And I think that was good advice.

0:35:07.440 --> 0:35:09.680
<v Speaker 1>Yeah, I mean, I think that's advice for any job.

0:35:09.800 --> 0:35:11.640
<v Speaker 1>You know what you're getting into. If you don't love it,

0:35:11.680 --> 0:35:13.759
<v Speaker 1>if you can't dedicate yourself to it, then you know

0:35:13.840 --> 0:35:18.000
<v Speaker 1>what are you doing there? And it is the life

0:35:18.080 --> 0:35:23.000
<v Speaker 1>of a head coach is glamorous, it's well compensated, but

0:35:23.160 --> 0:35:27.760
<v Speaker 1>for assistant coaches it is a grind. Of course, players

0:35:27.800 --> 0:35:30.239
<v Speaker 1>it used to be that way. Now some are handsomely

0:35:30.400 --> 0:35:35.400
<v Speaker 1>remunerated for their services thanks to ANIL, but nevertheless it

0:35:35.560 --> 0:35:40.880
<v Speaker 1>is a grind. So what does Indiana have tonight against Alabama?

0:35:40.960 --> 0:35:44.080
<v Speaker 1>What does this matchup look like? What are the strengths

0:35:44.120 --> 0:35:46.759
<v Speaker 1>and weaknesses of each team? What does Indiana have to

0:35:46.840 --> 0:35:51.080
<v Speaker 1>be wary of that Alabama brings to the field tonight? Alabama,

0:35:52.160 --> 0:35:55.160
<v Speaker 1>they've already gotten one upset already in the college football playoff.

0:35:55.200 --> 0:35:58.879
<v Speaker 1>They beat Oklahoma before Christmas? So what of this game

0:35:59.040 --> 0:36:03.719
<v Speaker 1>right now? Many websites cover the Indiana Hoosiers. One that

0:36:03.840 --> 0:36:07.200
<v Speaker 1>I gravitate to is called Inside the Hall. I like

0:36:07.320 --> 0:36:09.279
<v Speaker 1>it because they have good writers, and one of their

0:36:09.360 --> 0:36:12.319
<v Speaker 1>good writers, in my opinion, is standing by to join

0:36:12.440 --> 0:36:15.760
<v Speaker 1>us now to handicap this game tonight. He is Josh

0:36:15.960 --> 0:36:19.960
<v Speaker 1>Pose and a couple of hours before kickoff kind enough

0:36:20.040 --> 0:36:22.080
<v Speaker 1>to carve out some time to spend with us here

0:36:22.120 --> 0:36:25.040
<v Speaker 1>on seven hundred W Well, W win, Josh.

0:36:25.120 --> 0:36:26.839
<v Speaker 2>How are you on this glorious game day?

0:36:28.080 --> 0:36:29.160
<v Speaker 3>I'm doing well, Kenn.

0:36:29.200 --> 0:36:33.640
<v Speaker 5>It's kind of an overcast day in Los Angeles, but

0:36:33.960 --> 0:36:35.439
<v Speaker 5>it's warmer than it is by.

0:36:35.440 --> 0:36:36.480
<v Speaker 3>You, that is for sure.

0:36:36.680 --> 0:36:37.719
<v Speaker 2>Well, that bar is low.

0:36:38.120 --> 0:36:40.239
<v Speaker 1>And are you sure it's not overcast or is it

0:36:40.440 --> 0:36:42.719
<v Speaker 1>just smog because there's a lot of smog out there,

0:36:42.760 --> 0:36:43.320
<v Speaker 1>as you well.

0:36:43.239 --> 0:36:45.839
<v Speaker 5>Know, a lot of smog and a lot of rain

0:36:46.400 --> 0:36:47.480
<v Speaker 5>in coming up to and.

0:36:47.520 --> 0:36:48.439
<v Speaker 3>Give me a rainy week.

0:36:48.640 --> 0:36:52.040
<v Speaker 2>Yeah, sounds that way, all right. So this is interesting.

0:36:52.200 --> 0:36:53.319
<v Speaker 2>This is the Rose Bowl.

0:36:53.480 --> 0:36:57.239
<v Speaker 1>This is Indiana the number one overall seed against Alabama,

0:36:57.560 --> 0:37:00.480
<v Speaker 1>which is played on by virtue of it's went over Oklahoma.

0:37:00.840 --> 0:37:03.800
<v Speaker 1>First things first, Indiana has been off for a while,

0:37:04.000 --> 0:37:07.240
<v Speaker 1>obviously since that Big Ten Championship game. I'm just wondering

0:37:07.719 --> 0:37:12.520
<v Speaker 1>what has occurred during that time period between the end

0:37:12.560 --> 0:37:16.279
<v Speaker 1>of the Big Ten Championship game and this game against Alabama.

0:37:16.480 --> 0:37:18.799
<v Speaker 1>Was this team banged up? Did it need rest? Did

0:37:18.880 --> 0:37:21.000
<v Speaker 1>it would it have been better to just keep playing?

0:37:21.040 --> 0:37:22.759
<v Speaker 1>I mean, what has this time off been like?

0:37:24.040 --> 0:37:26.880
<v Speaker 3>I think this time off is a double edged sword.

0:37:26.920 --> 0:37:29.320
<v Speaker 5>Obviously, you saw last year in the college football playoffs

0:37:29.360 --> 0:37:32.160
<v Speaker 5>the top four seeds who did get buys all lost

0:37:32.480 --> 0:37:36.560
<v Speaker 5>by significant margins in that in that quarterfinal last year.

0:37:36.880 --> 0:37:39.200
<v Speaker 5>But for India they kind of treated they treated it

0:37:39.360 --> 0:37:43.200
<v Speaker 5>like two bye weeks. So when you play twelve games

0:37:43.239 --> 0:37:46.000
<v Speaker 5>in the span of fourteen weeks, you do get dinged up.

0:37:46.280 --> 0:37:48.839
<v Speaker 5>So it was an opportunity for those guys that were

0:37:48.920 --> 0:37:52.600
<v Speaker 5>dinged up, like an Omar Kupu who got hurt, they

0:37:52.640 --> 0:37:55.640
<v Speaker 5>were able to rehab rest and then it's a lot

0:37:55.719 --> 0:37:58.840
<v Speaker 5>of film watching and to your question about would you

0:37:59.000 --> 0:38:02.920
<v Speaker 5>rather play, well, that's to be seen obviously with the

0:38:03.040 --> 0:38:06.719
<v Speaker 5>Rose Bowl game and all the College Football playoff quarterfinals.

0:38:06.760 --> 0:38:10.400
<v Speaker 5>But I think with Kurt Signetti. He knows how to

0:38:10.640 --> 0:38:15.080
<v Speaker 5>manage his team and he's he's a time manager. He's

0:38:15.160 --> 0:38:17.080
<v Speaker 5>really good at that. So it's going to be really

0:38:17.160 --> 0:38:20.080
<v Speaker 5>interesting to see did they hold us what they've done

0:38:20.200 --> 0:38:22.480
<v Speaker 5>with all the practice in their workouts. But if they

0:38:22.520 --> 0:38:24.640
<v Speaker 5>can put it on the field, that's when we'll really

0:38:24.680 --> 0:38:25.359
<v Speaker 5>see how it went.

0:38:26.040 --> 0:38:29.319
<v Speaker 1>Yeah, and again not to kick off, will we see

0:38:29.360 --> 0:38:31.560
<v Speaker 1>that at all? But it has been just a historic,

0:38:31.760 --> 0:38:35.120
<v Speaker 1>magical run at IU. And in this day and age

0:38:35.160 --> 0:38:37.960
<v Speaker 1>of college football, you can turn a program around quickly

0:38:38.080 --> 0:38:42.000
<v Speaker 1>with the portal Kurt Signetti has come in. He's breathed

0:38:42.040 --> 0:38:44.960
<v Speaker 1>new life into that school. Obviously, these are housey and

0:38:45.080 --> 0:38:49.280
<v Speaker 1>days for Indiana. What other than obviously getting Fernando Mendoza,

0:38:49.360 --> 0:38:52.920
<v Speaker 1>who was, you know, a gifted player and a Heisman

0:38:52.960 --> 0:38:57.040
<v Speaker 1>Trophy Wanner, what has Signetti done, either through his philosophy,

0:38:57.160 --> 0:39:00.880
<v Speaker 1>his culture or player acquisition. What is the most significant

0:39:00.960 --> 0:39:03.879
<v Speaker 1>thing that he has done to turn this around other

0:39:04.000 --> 0:39:05.840
<v Speaker 1>than getting Fernando Mendozo.

0:39:07.120 --> 0:39:11.000
<v Speaker 3>I mean, I think it's not what Kurt Signetti has done.

0:39:11.560 --> 0:39:14.080
<v Speaker 5>He's done a lot, don't get me wrong, But it's

0:39:14.120 --> 0:39:17.040
<v Speaker 5>what the university has done for the football program. They

0:39:17.239 --> 0:39:21.320
<v Speaker 5>finally invested in the football program. For many years, football

0:39:21.680 --> 0:39:23.440
<v Speaker 5>was treated by the athletic department as.

0:39:23.680 --> 0:39:26.600
<v Speaker 3>Just another step closer to basketball season.

0:39:26.680 --> 0:39:29.279
<v Speaker 5>By October, he was all right, the football team is one,

0:39:29.360 --> 0:39:31.600
<v Speaker 5>two games and everybody's going to start heading.

0:39:31.400 --> 0:39:34.479
<v Speaker 3>Over to Assembly Hall. They started to invest in money.

0:39:34.840 --> 0:39:37.839
<v Speaker 5>They invested their money into football because at the end

0:39:37.840 --> 0:39:40.759
<v Speaker 5>of the day, college football rules the roost and when

0:39:40.800 --> 0:39:43.719
<v Speaker 5>it comes to athletic department budgets. So Scott Dolson and

0:39:43.920 --> 0:39:47.279
<v Speaker 5>the athletic director and the president, Pam Whitten, and Kirk

0:39:47.320 --> 0:39:49.200
<v Speaker 5>Cognetti will be the first one to tell you that

0:39:49.600 --> 0:39:52.800
<v Speaker 5>it was their investment to the football program that allowed

0:39:52.840 --> 0:39:56.319
<v Speaker 5>him to get the players to establish that culture.

0:39:56.120 --> 0:39:57.200
<v Speaker 3>In those JMU guys.

0:39:58.160 --> 0:40:00.480
<v Speaker 5>There's a lot of guys on this team doesn't even

0:40:00.800 --> 0:40:03.160
<v Speaker 5>go to the gay and you guys alone.

0:40:03.160 --> 0:40:04.479
<v Speaker 3>Who have something to prove.

0:40:05.000 --> 0:40:08.920
<v Speaker 5>They always they called themselves the Group of five All Stars.

0:40:09.000 --> 0:40:12.279
<v Speaker 5>Last year these guys started either SCS or in the

0:40:12.320 --> 0:40:12.919
<v Speaker 5>Group of five.

0:40:13.280 --> 0:40:14.760
<v Speaker 3>So they want to prove to these coaches.

0:40:14.800 --> 0:40:16.879
<v Speaker 5>They wanted to prove the All Aisle Stakers Defense State,

0:40:17.320 --> 0:40:19.960
<v Speaker 5>the Organs of the world, those coaches that hey, you

0:40:20.000 --> 0:40:21.719
<v Speaker 5>didn't recruit us, but we're going to make you pay

0:40:21.800 --> 0:40:21.960
<v Speaker 5>for it.

0:40:23.239 --> 0:40:26.600
<v Speaker 1>This game is an interesting matchup in a number of senses.

0:40:27.080 --> 0:40:30.040
<v Speaker 1>Alabama is a team that a lot of people looked

0:40:30.080 --> 0:40:31.400
<v Speaker 1>at and said, well, I wonder if they're going to

0:40:31.440 --> 0:40:33.640
<v Speaker 1>make the playoff, and then all of a sudden they

0:40:33.719 --> 0:40:36.279
<v Speaker 1>go to Oklahoma and turn that town and that team

0:40:36.400 --> 0:40:37.040
<v Speaker 1>upside down.

0:40:37.640 --> 0:40:38.560
<v Speaker 2>And here they come.

0:40:39.920 --> 0:40:43.960
<v Speaker 1>Into this game against Indiana, and I'm just wondering. You

0:40:44.080 --> 0:40:47.719
<v Speaker 1>have to look critically at Alabama. There's seven point underdogs

0:40:47.800 --> 0:40:50.600
<v Speaker 1>last I checked, and I think that number is a

0:40:50.640 --> 0:40:53.400
<v Speaker 1>little low. I'm not sure that seven would be the

0:40:53.680 --> 0:40:57.239
<v Speaker 1>number I had assigned to it. But nevertheless, as you

0:40:57.320 --> 0:40:59.960
<v Speaker 1>look at Alabama, what do you think is the biggest

0:41:00.239 --> 0:41:03.680
<v Speaker 1>problem Indiana will have with Alabama in this game?

0:41:05.120 --> 0:41:09.760
<v Speaker 5>I think it is the matchups, not really in the trenches,

0:41:09.800 --> 0:41:11.960
<v Speaker 5>but outside. They have a lot of skill guys. Obviously,

0:41:12.080 --> 0:41:14.960
<v Speaker 5>Ryan Williams had a great year last year. I think

0:41:14.960 --> 0:41:17.399
<v Speaker 5>he was still like seventeen years old last year. He's

0:41:17.480 --> 0:41:21.000
<v Speaker 5>been quiet this year. But I think with ty Simpson,

0:41:22.000 --> 0:41:25.200
<v Speaker 5>if ty Simpson can be the Heisman caliber quarterback that

0:41:25.320 --> 0:41:29.440
<v Speaker 5>he was predicted to be up until i'd say mid November,

0:41:29.800 --> 0:41:33.560
<v Speaker 5>then Indiana could have some trouble. But I think Indiana

0:41:33.680 --> 0:41:38.600
<v Speaker 5>is so well versed on defense, but maybe to answer

0:41:38.680 --> 0:41:41.239
<v Speaker 5>your question a little bit better, maybe offensively against a

0:41:41.360 --> 0:41:45.759
<v Speaker 5>really tough defensive line in Alabama. To get their star

0:41:45.960 --> 0:41:49.520
<v Speaker 5>defensive lineman Elsie Overton back. He played in the Auburn game,

0:41:49.840 --> 0:41:52.200
<v Speaker 5>didn't play against the Oklahoma the heat. I think he

0:41:52.400 --> 0:41:55.120
<v Speaker 5>leads the team and tackles to lost. So they're a strong,

0:41:55.200 --> 0:41:58.520
<v Speaker 5>physical team. So it could come down to the trenches

0:41:58.600 --> 0:42:01.400
<v Speaker 5>like all college football games do. So I'd say that

0:42:01.520 --> 0:42:04.720
<v Speaker 5>defensive line Indiana's offensive lick has to get pushed.

0:42:05.480 --> 0:42:07.520
<v Speaker 2>Yeah they do.

0:42:07.760 --> 0:42:10.560
<v Speaker 1>I mean last I checked, Alabama was top ten in

0:42:10.760 --> 0:42:13.840
<v Speaker 1>rushing defense. Well, let's talk a little bit about what

0:42:14.000 --> 0:42:18.240
<v Speaker 1>the Alabama will face from the Indiana rushing attack. Roman Henby,

0:42:18.640 --> 0:42:21.520
<v Speaker 1>Taylor Black, He's in there and that mix as well.

0:42:21.600 --> 0:42:23.680
<v Speaker 1>But let's just talk about Henvy for a minute. How

0:42:23.760 --> 0:42:25.480
<v Speaker 1>important is it for him to get off.

0:42:25.400 --> 0:42:25.879
<v Speaker 7>In this game.

0:42:27.160 --> 0:42:31.560
<v Speaker 5>Yeah, Roman Henby is the guy that will set the

0:42:31.640 --> 0:42:34.080
<v Speaker 5>tone in this game, especially depending on the weather. It

0:42:34.239 --> 0:42:39.719
<v Speaker 5>might be a wet, muggy day in Pasadena and no

0:42:39.800 --> 0:42:41.640
<v Speaker 5>one really wants to see that. They want to see

0:42:41.680 --> 0:42:45.000
<v Speaker 5>the sunset over the San Gabriel Mountains. But it might

0:42:45.080 --> 0:42:49.520
<v Speaker 5>be a wet condition in Pasadena. So establishing the run,

0:42:49.640 --> 0:42:53.280
<v Speaker 5>Roman Henby really good at getting downhill, getting extra yards.

0:42:53.320 --> 0:42:56.160
<v Speaker 5>You got to fight for every extra every yard matters

0:42:56.719 --> 0:42:58.840
<v Speaker 5>in this time of year. You're trying to fight for

0:42:59.000 --> 0:43:01.399
<v Speaker 5>one more game, fighting for one more yard each play.

0:43:01.760 --> 0:43:04.560
<v Speaker 5>So Roman Henby setting the tone will allow a guy

0:43:04.680 --> 0:43:06.680
<v Speaker 5>like Kaylon Black to come in in his place and

0:43:07.400 --> 0:43:10.600
<v Speaker 5>flourish on itself. Roman Henvy that nine hundred and eighteen yards,

0:43:10.640 --> 0:43:14.000
<v Speaker 5>but Kaylon Black has seven seven hundred ninety nine with

0:43:14.040 --> 0:43:16.759
<v Speaker 5>thirty four less touches. So these guys are the two

0:43:16.840 --> 0:43:20.239
<v Speaker 5>headed monster that I think. Roman Henvy has to set

0:43:20.280 --> 0:43:22.840
<v Speaker 5>the tone, but Kaylon Black also has to do his

0:43:23.000 --> 0:43:26.080
<v Speaker 5>job against a good defensive line.

0:43:26.200 --> 0:43:29.720
<v Speaker 1>Yeah, we're chatting with Josh Pose. He is with Inside

0:43:29.760 --> 0:43:33.600
<v Speaker 1>the Hole. They cover Indiana University athletics and very very well.

0:43:33.880 --> 0:43:37.360
<v Speaker 1>I mean, I think Indiana fans know about what Inside

0:43:37.400 --> 0:43:39.839
<v Speaker 1>the Hole is all about. But if someone if you're

0:43:39.880 --> 0:43:41.880
<v Speaker 1>out there and you're just maybe a casual fan or

0:43:42.200 --> 0:43:43.960
<v Speaker 1>you just want to get an inside scoop as to

0:43:44.000 --> 0:43:46.640
<v Speaker 1>what's going on in this game that's coming up against

0:43:46.640 --> 0:43:51.120
<v Speaker 1>Alabama a great destination. Tell me about Mendoza. He seems

0:43:51.200 --> 0:43:55.560
<v Speaker 1>to be just a genuinely nice person. Comes off as

0:43:55.600 --> 0:44:00.200
<v Speaker 1>a little naive, but in terms of worldliness obvious he

0:44:00.239 --> 0:44:02.800
<v Speaker 1>knows football, but really what is what is he like?

0:44:03.080 --> 0:44:06.239
<v Speaker 1>Is he as as the way he conducts himself on

0:44:06.400 --> 0:44:09.439
<v Speaker 1>television in these interviews, is he that way all the time?

0:44:10.760 --> 0:44:13.759
<v Speaker 5>That is the same person that you see that you

0:44:13.840 --> 0:44:16.680
<v Speaker 5>saw give that six minute Heisman speech she had spirited

0:44:16.760 --> 0:44:18.680
<v Speaker 5>looking into the camera. That is the same person we

0:44:18.760 --> 0:44:22.800
<v Speaker 5>have seen since his spring interview with us after the

0:44:22.880 --> 0:44:26.799
<v Speaker 5>spring game. Fernanda Mendoza albeit a little he's a little

0:44:26.840 --> 0:44:33.080
<v Speaker 5>quirky and in he he's a great quarterback, so that

0:44:33.200 --> 0:44:36.600
<v Speaker 5>he understands the game. He understands every word he's saying.

0:44:36.680 --> 0:44:39.040
<v Speaker 5>He is the only athlete that I've talked to in

0:44:39.120 --> 0:44:41.960
<v Speaker 5>my four years of college, in going back to reporting

0:44:42.000 --> 0:44:44.440
<v Speaker 5>in high school that has never said the phrase you

0:44:44.520 --> 0:44:45.880
<v Speaker 5>know or no filler words.

0:44:46.920 --> 0:44:47.960
<v Speaker 3>He will.

0:44:48.120 --> 0:44:50.320
<v Speaker 5>He knows what he wants to say. He's almost like

0:44:50.400 --> 0:44:55.680
<v Speaker 5>a robot because he's so well spoken, but just one

0:44:55.760 --> 0:44:59.040
<v Speaker 5>of one human being and obviously the Heisman winner. He's

0:44:59.080 --> 0:45:02.600
<v Speaker 5>a great talent at court, but he just represents the

0:45:03.320 --> 0:45:07.680
<v Speaker 5>university so well, and it's exactly the person that Indiana

0:45:08.400 --> 0:45:10.160
<v Speaker 5>wants to surround itself.

0:45:09.840 --> 0:45:10.520
<v Speaker 3>With he had.

0:45:10.560 --> 0:45:13.239
<v Speaker 5>I think it was Antoine Randall l back in the day,

0:45:13.280 --> 0:45:16.319
<v Speaker 5>and then Anthony Thompson, who is a Heisman runner up.

0:45:16.360 --> 0:45:19.920
<v Speaker 5>But Fernando Mendoz is the guy like there's no controversy

0:45:19.960 --> 0:45:23.239
<v Speaker 5>around him. He is just a great quarterback. He is

0:45:23.440 --> 0:45:26.239
<v Speaker 5>the Heisman winner for a reason, and he goes and

0:45:26.320 --> 0:45:29.520
<v Speaker 5>wins games he needs. As clutch as they come in

0:45:29.640 --> 0:45:30.360
<v Speaker 5>college football.

0:45:30.560 --> 0:45:31.880
<v Speaker 2>Signetti's a trip, isn't he.

0:45:32.360 --> 0:45:34.040
<v Speaker 1>I mean, he's just you know what I mean? Do

0:45:34.120 --> 0:45:35.879
<v Speaker 1>you never know what's coming out of that dude's mouth.

0:45:35.920 --> 0:45:38.920
<v Speaker 1>I mean, I've been to Pittsburgh a lot in my life,

0:45:39.040 --> 0:45:41.080
<v Speaker 1>and there are there are a lot of guys walking

0:45:41.120 --> 0:45:44.560
<v Speaker 1>around Pittsburgh that have the same mannerism in the same speech.

0:45:45.160 --> 0:45:47.520
<v Speaker 1>But as a guy, he doesn't I honestly care. I

0:45:47.560 --> 0:45:50.919
<v Speaker 1>don't think he cares about who says what about him,

0:45:51.239 --> 0:45:53.719
<v Speaker 1>and I honestly think he doesn't care about what he

0:45:53.880 --> 0:45:57.120
<v Speaker 1>says about anyone. He just is, Okay, let's just judge

0:45:57.200 --> 0:45:59.640
<v Speaker 1>me by what happens, which is rare in this day

0:45:59.640 --> 0:46:00.960
<v Speaker 1>and age in athletics, is it not?

0:46:02.160 --> 0:46:05.440
<v Speaker 5>He It's it's very rare. A lot of times you're

0:46:05.560 --> 0:46:07.560
<v Speaker 5>kind of getting with that new wave of coaches. But

0:46:08.080 --> 0:46:10.600
<v Speaker 5>you have to remember Signetty's background. His dad was ahead

0:46:10.960 --> 0:46:13.520
<v Speaker 5>was a coach, an old school coach. He coached under

0:46:13.640 --> 0:46:16.680
<v Speaker 5>Nick Saban and everything he does controlling the message like

0:46:17.120 --> 0:46:19.120
<v Speaker 5>that's that's very nixt saving of him.

0:46:19.160 --> 0:46:21.400
<v Speaker 3>But he's one of those guys that bet.

0:46:21.320 --> 0:46:24.080
<v Speaker 5>On himself and he won, so why not have the brashes?

0:46:24.200 --> 0:46:27.040
<v Speaker 5>And he always says that the Google need I win,

0:46:28.600 --> 0:46:31.560
<v Speaker 5>the Michigan, the Michigan Ohio State they suck in and

0:46:32.360 --> 0:46:33.080
<v Speaker 5>Purdue does too.

0:46:33.160 --> 0:46:34.160
<v Speaker 3>All that kind of stuff.

0:46:34.680 --> 0:46:36.880
<v Speaker 5>He riled up a fan base that was that was

0:46:37.239 --> 0:46:43.600
<v Speaker 5>quite frankly dormant, and he's unapologetically himself and that's what

0:46:43.840 --> 0:46:48.239
<v Speaker 5>people either love or hate about him. And he's just

0:46:48.520 --> 0:46:50.800
<v Speaker 5>awesome to talk to you because, like you said, you

0:46:51.120 --> 0:46:53.960
<v Speaker 5>never know what's coming out of his mouth neck except

0:46:54.000 --> 0:46:56.800
<v Speaker 5>for his his tropes of fast, physical, relentless and a

0:46:56.920 --> 0:46:57.640
<v Speaker 5>smart discipline.

0:46:57.719 --> 0:47:02.160
<v Speaker 1>Boys, it's amazing you've had a ball covering that team

0:47:02.239 --> 0:47:04.279
<v Speaker 1>this year. We'll see how it goes with Alabama. I

0:47:04.360 --> 0:47:08.239
<v Speaker 1>fully expect Indiana to play on but we'll see how

0:47:08.280 --> 0:47:10.400
<v Speaker 1>it all turns out. As they say, that's why they

0:47:10.440 --> 0:47:13.680
<v Speaker 1>play the games. Josh Thanks for your time, Josh pos

0:47:13.880 --> 0:47:17.440
<v Speaker 1>inside Thehall dot com and enjoy your time out there.

0:47:17.440 --> 0:47:19.520
<v Speaker 1>I know it's worked, but enjoy your time out there, Josh,

0:47:19.560 --> 0:47:20.840
<v Speaker 1>and thanks for your time today.

0:47:21.880 --> 0:47:22.480
<v Speaker 3>Thank you. Ken.

0:47:22.680 --> 0:47:26.439
<v Speaker 1>Of course, that game is coming up around about four,

0:47:27.080 --> 0:47:31.320
<v Speaker 1>and we will carry it here on seven hundred alw

0:47:32.160 --> 0:47:34.959
<v Speaker 1>or at least that's what I'm being told, and that'll

0:47:35.000 --> 0:47:37.319
<v Speaker 1>be an interesting game to tune into.

0:47:37.440 --> 0:47:40.920
<v Speaker 2>But Indiana to me, is just humming right along.

0:47:41.640 --> 0:47:43.920
<v Speaker 1>I know what the stats say about teams that have

0:47:44.000 --> 0:47:46.600
<v Speaker 1>a bye week and then have to go play in

0:47:46.640 --> 0:47:48.919
<v Speaker 1>the college football it's not good. In fact, I don't

0:47:48.960 --> 0:47:53.160
<v Speaker 1>think anyone has taken a bye week in college football's

0:47:53.160 --> 0:47:55.440
<v Speaker 1>playoff system and then come back in one. Have they

0:47:56.719 --> 0:47:59.320
<v Speaker 1>bye weeks are not Older're cranked up to me. You

0:47:59.400 --> 0:48:01.319
<v Speaker 1>know these teams that are going it's in the NFL too.

0:48:01.360 --> 0:48:03.680
<v Speaker 1>These teams are going, going, going, and they're performing so

0:48:03.800 --> 0:48:05.400
<v Speaker 1>well and then all of a sudden, Wow, here's an

0:48:05.440 --> 0:48:07.640
<v Speaker 1>extra week off. Well that's great, everybody can heal up

0:48:07.760 --> 0:48:10.400
<v Speaker 1>and everybody, and then you kind of lose the mojo

0:48:10.520 --> 0:48:13.960
<v Speaker 1>you had going. We'll see what happens to Indiana. I

0:48:14.040 --> 0:48:16.719
<v Speaker 1>still think they're the best team left standing. Miami is

0:48:16.800 --> 0:48:19.320
<v Speaker 1>a great story. Don't get me wrong there. Miami is

0:48:19.360 --> 0:48:24.399
<v Speaker 1>a great story Indiana. I think they're the best team

0:48:24.480 --> 0:48:27.600
<v Speaker 1>left standing. We shall find out. It is two twenty

0:48:27.680 --> 0:48:30.760
<v Speaker 1>two on this New Year's Day. It's the average American

0:48:30.800 --> 0:48:42.960
<v Speaker 1>in for the Great American. Seven hundred wl W, seven

0:48:43.040 --> 0:48:48.719
<v Speaker 1>hundred wl W. Welcome back to the Big Show. I

0:48:48.880 --> 0:48:49.520
<v Speaker 1>am ken Brew.

0:48:50.760 --> 0:48:51.280
<v Speaker 3>We had.

0:48:52.640 --> 0:48:56.040
<v Speaker 1>Some thoughts from Ryan Day on last night's Ohio State

0:48:56.200 --> 0:48:59.759
<v Speaker 1>loss to Miami, and one of the things that he

0:49:00.239 --> 0:49:05.640
<v Speaker 1>suggested was a turning point in the game, and for

0:49:05.719 --> 0:49:12.160
<v Speaker 1>all intents and purposes, it was was, well, let me

0:49:12.239 --> 0:49:14.960
<v Speaker 1>take you back to the third quarter. That's probably the

0:49:15.080 --> 0:49:19.840
<v Speaker 1>best place to go. Miami got the ball after Ohio

0:49:19.920 --> 0:49:23.440
<v Speaker 1>State cut the lead to fourteen to seven, and Miami

0:49:23.520 --> 0:49:26.680
<v Speaker 1>goes on this drive. It's nine plays, it's forty three yards,

0:49:26.800 --> 0:49:29.560
<v Speaker 1>it's five minutes, little more than five minutes o'clock time,

0:49:30.600 --> 0:49:31.839
<v Speaker 1>and it ends in a field goal.

0:49:33.280 --> 0:49:35.120
<v Speaker 3>And you know, it was.

0:49:37.680 --> 0:49:40.920
<v Speaker 1>To me, even though it didn't end in a touchdown,

0:49:41.120 --> 0:49:43.800
<v Speaker 1>it just it said to me that this thing was

0:49:45.480 --> 0:49:50.320
<v Speaker 1>pretty much done. Ohio State answers with a touchdown in

0:49:50.400 --> 0:49:55.320
<v Speaker 1>the fourth quarter made it seventeen to fourteen, but it

0:49:55.480 --> 0:49:59.040
<v Speaker 1>just like it just kind of like stagnated there and

0:49:59.120 --> 0:50:01.120
<v Speaker 1>he got to the fourth courter. Here's a second drive

0:50:01.239 --> 0:50:04.160
<v Speaker 1>too in the fourth quarter for Ohio State. They had

0:50:04.200 --> 0:50:07.000
<v Speaker 1>scored to make it seventeen to fourteen early fourth quarter,

0:50:07.760 --> 0:50:13.120
<v Speaker 1>seven plays, six yard drive, and it just it just stalled.

0:50:13.239 --> 0:50:16.400
<v Speaker 1>I mean, they there were there was a sack, there

0:50:16.480 --> 0:50:20.080
<v Speaker 1>was an incompleted pass, then a ten yard penalty that

0:50:20.200 --> 0:50:24.760
<v Speaker 1>threw them back and off track again in completion, passed

0:50:24.800 --> 0:50:27.440
<v Speaker 1>behind the line of scrimmage, then another penalty. They just

0:50:27.560 --> 0:50:30.640
<v Speaker 1>they were they were coughing and wheezing at that point.

0:50:32.040 --> 0:50:37.080
<v Speaker 1>The first half was was just horrible for them. Fourteen

0:50:37.120 --> 0:50:39.120
<v Speaker 1>to nothing is what the score was at halftime. And

0:50:39.200 --> 0:50:41.120
<v Speaker 1>they out of the gate in the second half. They

0:50:41.200 --> 0:50:44.560
<v Speaker 1>knew they really had a how to be crisp. They

0:50:44.640 --> 0:50:47.120
<v Speaker 1>knew they had to make every drive and they they

0:50:47.160 --> 0:50:49.359
<v Speaker 1>were better in the second half then the first half.

0:50:49.440 --> 0:50:51.600
<v Speaker 1>Don't get me wrong on that they played better. What

0:50:51.760 --> 0:50:55.320
<v Speaker 1>they weren't really playing like Ohio State football in the

0:50:55.400 --> 0:50:59.359
<v Speaker 1>first half. That question was posed to Juliet saying after

0:50:59.440 --> 0:51:02.800
<v Speaker 1>the game and in the news conference about the difference

0:51:02.840 --> 0:51:04.680
<v Speaker 1>in the two halves and just coming out and just

0:51:05.560 --> 0:51:08.120
<v Speaker 1>not doing anything in the first two quarters of football.

0:51:08.200 --> 0:51:11.319
<v Speaker 8>Here's saying, yeah, just started executing better in the second half,

0:51:11.400 --> 0:51:13.880
<v Speaker 8>but ultimately, you know, wasn't good enough, didn't put up

0:51:13.960 --> 0:51:16.000
<v Speaker 8>enough points, and you know it starts with me, and

0:51:16.320 --> 0:51:18.720
<v Speaker 8>we got to be better on offense as an execution standpoint,

0:51:18.760 --> 0:51:19.840
<v Speaker 8>and you know it starts with me. So we got

0:51:19.920 --> 0:51:21.840
<v Speaker 8>to be better and put up more points than fourteen.

0:51:22.000 --> 0:51:25.400
<v Speaker 1>Yeah, right, got to be better. But you aren't going

0:51:25.440 --> 0:51:29.000
<v Speaker 1>to have a chance to be better until this coming August.

0:51:30.000 --> 0:51:32.040
<v Speaker 1>And we'll see how many stick around to be better

0:51:32.239 --> 0:51:36.400
<v Speaker 1>in this coming August. Transferred Portal is just about open

0:51:37.040 --> 0:51:39.920
<v Speaker 1>two thirty news time, seven hundred at WLW