Speaker 1: Well, good afternoon. It is New Year's Day, twenty twenty six. Yes,
Speaker 1: we have all survived. He had another trip around the sun.
Speaker 1: As we cruise into twenty twenty six, all things possible,
Speaker 1: canvas is blank. We painted any way we want for
Speaker 1: the next three hundred and would it be is it
Speaker 1: a leap year? I'll say three sixty five, But if
Speaker 1: it's three sixty six, there's your extra day to put
Speaker 1: on the finishing touch. Fact of the matter is, it
Speaker 1: is always great to begin a new year because you
Speaker 1: never know how the year is going to play out,
Speaker 1: and quite frankly, you have a lot of control over
Speaker 1: the way that year is going to play out. Now
Speaker 1: you might not have had a lot of control last night. No,
Speaker 1: last night was, as you well know, one of the
Speaker 1: biggest party nights of the year, although as I've gotten
Speaker 1: older it's been less and less of that. We had
Speaker 1: a nice night last night, Pat Knat, I went out
Speaker 1: to dinner, went to our favorite, one of our favorite restaurants,
Speaker 1: Carlo and Johnny. We just love that place. Service is impeccable,
Speaker 1: food is wonderful and for people that are that our
Speaker 1: that are our age and don't really want to go
Speaker 1: out and get crazy. You know, you have a nice
Speaker 1: early dinner and you come home, and that's what we did.
Speaker 1: We had a nice early dinner, came home, finished watching
Speaker 1: some series that we have been binge watching. Put on
Speaker 1: the Ohio State game at halftime and was totally shocked
Speaker 1: to find them down fourteen to nothing. Made a game
Speaker 1: of it in the second half. Knew Miami was good,
Speaker 1: but did not think that Miami was that good. But
Speaker 1: indeed Miami is the victor in Miami is the one
Speaker 1: playing on and we've got a game going on.
Speaker 2: Just about now.
Speaker 1: I think they've kicked off Oregon and Texas Tech. Everybody
Speaker 1: likes Texas Tech is their sleeper team. But that's the
Speaker 1: first game in the College Football Playoff today. Of course,
Speaker 1: four o'clock in a game you will hear here on
Speaker 1: seven hundred WLW. Alabama is at Indiana. Well not at Indiana,
Speaker 1: Alabama Indiana in the Rose Bowl. And then finally tonight
Speaker 1: you got Mississippi in Georgia, and by then the College
Speaker 1: Football Playoff will be down to a workable four as
Speaker 1: we cruise on a name and crown a new national champion,
Speaker 1: because it will not be Notre Dame, but right now
Speaker 1: the Capital City one Orange Bowl is in the first quarter,
Speaker 1: just kicked off Oregon and Texas Tech. Now you may
Speaker 1: not be ready for that because of what you did
Speaker 1: last night. Understanding that last night a lot of people
Speaker 1: might have imbibed too much and today they're taking it
Speaker 1: kind of slow. But you know, laying on the couch
Speaker 1: and watching football listening to seven hundred WYLW not a
Speaker 1: bad way to get over in New Year's hangover. But
Speaker 1: there are better ways that will make it quicker and
Speaker 1: less painful for you today. Gather around the radio, kids,
Speaker 1: We're about to get healed. Standing by is New York
Speaker 1: based Nicolet M Pace, nicolett M Pace, ms R D
Speaker 1: n C D E CBC, c DN c F.
Speaker 2: C s f A n D. That is what is
Speaker 2: at the end of her name. That's a lot of initials.
Speaker 1: I don't know what they mean, but we'll find out
Speaker 1: here just a second, because she's got some ways to
Speaker 1: make you feel better right now than the way you
Speaker 1: feel right now. Nicolette Pace, how are you on this
Speaker 1: glorious New Year's Day.
Speaker 3: I'm doing great. I'm doing great. Is very well? Thank you.
Speaker 1: Okay, there's a lot of initials at the end of
Speaker 1: your name. I guess they're all for things that you do.
Speaker 1: R DN must be something to do with nursing, right, No.
Speaker 4: No, it's registered to dietician nutritionist. I'm actually been in
Speaker 4: five industries so well, almost a contractor will who and
Speaker 4: share your designer. I'm also on the bansket bargain. I've
Speaker 4: done a lot of things and.
Speaker 3: Something I just love everything.
Speaker 2: Oh, that's that's wonderful.
Speaker 3: Now.
Speaker 2: Thirty percent of American.
Speaker 1: Statistics tell us woke up this morning looking for greasy
Speaker 1: food or maybe some sort of tomato based rank, something
Speaker 1: that that would help them get back on their feet
Speaker 1: after what happened last night. For somebody, that is an
Speaker 1: absolute agony this morning. How can you help them?
Speaker 3: Well, there's a lot of different things.
Speaker 4: And what's changed over the years is there there a
Speaker 4: lot more reliance on preventing it in the first place,
Speaker 4: and you could supplement them even after while you have it,
Speaker 4: tackling the effects that the ethan weller alcohol actually does
Speaker 4: and this metabolism in the body, and they're behind them
Speaker 4: not to make what not to do and then at
Speaker 4: the next partying events and how to choose wisely so
Speaker 4: that you can minimize your hangover effects. But while you're
Speaker 4: at it, and if you're really really sick right now,
Speaker 4: there's one that uses me because it's called the science
Speaker 4: backed formula and it goes like x equals y vx
Speaker 4: plus two twenty gp plus A and B plus r
Speaker 4: K two plus sp x times. Now what does that mean.
Speaker 4: It translates the two slinders and bread, three ounces of
Speaker 4: the link protein, an avocado, some rocket on in other words,
Speaker 4: a rougle off you leaves of that, and ten slices
Speaker 4: of a sweet potato.
Speaker 3: That would give me a real kick.
Speaker 4: But the thing is that you the main thing that's
Speaker 4: closing to hangover is the dehdration effects that a car
Speaker 4: from the metabolts of the alcohol, and depending on what
Speaker 4: you drink, it could be really bad. And so electrolyte
Speaker 4: replacement and fluid replacement is a really priority. Something like Gatorade,
Speaker 4: pedialyte or a product on the market now called blowfish
Speaker 4: and it's actually us to get recognized. It's an effervescent
Speaker 4: tablet and put it in water and it kind of,
Speaker 4: you know, pizzes up aspirin and caffeine and it sounds
Speaker 4: like Alco slice to make.
Speaker 3: But cute name.
Speaker 2: What is it called.
Speaker 3: It's called blowfish wo fish.
Speaker 1: Well, I used to see those on the beach when
Speaker 1: I would walk the beach as a kid out there
Speaker 1: on the eastern shore. I would see you, I see
Speaker 1: blowfish walk up and they were If you ate one
Speaker 1: of them, you get really sick. So sorry, right now?
Speaker 1: What is what is alcohol consumption and just an inordinate
Speaker 1: amount of alcohol consumption?
Speaker 2: What does it do to your body?
Speaker 4: Well, it's it's dehydrates you number one, and in and
Speaker 4: of itself, it's a toxin. And the metabolism it relies
Speaker 4: on an enzyme called you know, assetical wide the hydrogenase,
Speaker 4: which actually helps break down the alcohol, but that occurs
Speaker 4: in the stummach later in the gut.
Speaker 3: It doesn't really react. Heince.
Speaker 4: There's a supplement out there now that you're supposed to
Speaker 4: take before you drink. Well, actually it's it's a it's
Speaker 4: a bio engineered product that will produce some the stuff
Speaker 4: that's ends on in your gut so you can continue
Speaker 4: the metabolizing it. It's quite expensive. It's not as it's
Speaker 4: recognized only in the terms of its recognized as a food.
Speaker 3: But are people are so concerned.
Speaker 4: About GMO corn. I don't understand why they were doing
Speaker 4: genetically modified probiotic, which is exactly what that is. The
Speaker 4: ethanol is it creates a subtle cult to hide and
Speaker 4: that becomes increased in the body and it has adverse effects,
Speaker 4: and those including remedies to make you feel better, would
Speaker 4: be targeting the build up of that in in your body.
Speaker 4: And the other thing is the stummach irritation, the inflammation,
Speaker 4: because the gas inflammation that occurs is you got to
Speaker 4: cumb that down and that's why we're doing bland foods
Speaker 4: and nothing inviting me.
Speaker 1: I hate gastric inflammation. I don't think anybody enjoys that.
Speaker 1: Do you know anybody that enjoys that? Nicola? I don't
Speaker 1: know anybody that.
Speaker 2: I don't know.
Speaker 1: Now, I had a friend that I went to college with,
Speaker 1: and you know, before he was to go out and
Speaker 1: you know, and drink beer on a week on a weekend,
Speaker 1: he would always consume a gallon of water before he
Speaker 1: went out and drank beer, which would did two things.
Speaker 1: One it kept the bathroom busy, but two he claims
Speaker 1: that if you drank a lot of water before you
Speaker 1: drank a lot of beer, that you really wouldn't get
Speaker 1: sick or drunk from the beer. And I thought, hey,
Speaker 1: that sounds like a good idea, but I don't think
Speaker 1: there's any scientific proof of that.
Speaker 2: Is there.
Speaker 4: Well, you could look at the effect of what they
Speaker 4: consider one drink, so like to a beer would be
Speaker 4: twelve ounces of beer, but fourteen ounces of the white beer.
Speaker 4: So basically that's actually right there, two ounces and more so. Yeah,
Speaker 4: the looting it doesn't have some merit but to the
Speaker 4: eating first, because it will slow down the absorption of
Speaker 4: that and the build up of this really byproduct that
Speaker 4: cars is poisonous. The other thing that's really really important
Speaker 4: to know is what we call in bartending school, which
Speaker 4: I went.
Speaker 3: To like to visits, was in the distillation.
Speaker 4: Of alcohol, it produces what we call the head, the heart,
Speaker 4: and the tail. And there's mentioning a hard liquor go
Speaker 4: for the top shelf.
Speaker 3: That's the heart.
Speaker 4: And not only that, but it might financially keep you
Speaker 4: responsible so having your one or two drinks because it's
Speaker 4: so expensive. But the tail actually of the alcohol is
Speaker 4: literally found in the darker liquors and that contains like
Speaker 4: fusel oils, and that isn't really known to produce a
Speaker 4: worser hangover, whereas the head has also very harmful congenerous
Speaker 4: that actually produce the formaldehyde and formic acid, aldehydes and acetone.
Speaker 4: So all of this is really is mentioning, is I'll
Speaker 4: we're doing it on this. It's no reason why you
Speaker 4: feel so damn sick, you know.
Speaker 2: Yeah, well okay, so go back to the tail there.
Speaker 1: Just for a second, you said dark liquors that would
Speaker 1: be Scotch, berb and things like that.
Speaker 2: Rum, why is it called the tail.
Speaker 4: That's the end of the deflation process, and darker tend
Speaker 4: to have more of that. Now, this is for spirits,
Speaker 4: but if you want to look at wine and beer,
Speaker 4: that's different because that's a fermentation out of the slow product.
Speaker 4: But people wants to know to get wine hangovers.
Speaker 3: And the thing with that is is.
Speaker 4: It's commonly good of his sulfites being inculporated, and it's
Speaker 4: not necessarily sul fits because white wine has more sulfites
Speaker 4: than red wine. But red wine produces more hangovers than
Speaker 4: white wine, and that's because of something like what do
Speaker 4: you call the polichenolves, the dark components in the grapes
Speaker 4: and chrystin and the tannins and histamine, so it has
Speaker 4: a reaction in the body that can a wopping headache.
Speaker 4: And if you go and drink like red wine that
Speaker 4: has added sugar and stuff, now you're really in for
Speaker 4: trouble because you're going to con the dehydration.
Speaker 2: So maybe like a.
Speaker 1: Nice like a nice Pinot Noirs, Pino grasio or something
Speaker 1: like that would be better than a heavy cab.
Speaker 2: Or a low or something.
Speaker 4: Well perhaps, but again it's the following foodence first, you know,
Speaker 4: setting the pace, alternating with water like your friend did.
Speaker 4: He just drinks a lot of water in the beginning,
Speaker 4: but going some forth between it and saying with enonymous
Speaker 4: the rate in which you bolt or set the weight
Speaker 4: of the person. You know, you can be intoxicated very quickly.
Speaker 1: If I don't know about the water thing. He died
Speaker 1: of kidney damage, so I don't know. He might have
Speaker 1: drank too much water.
Speaker 2: I don't know.
Speaker 3: It could have been wrong.
Speaker 2: I mean, who knows. I don't know.
Speaker 1: But anyway, so I want to ask you about I
Speaker 1: want to ask you about this.
Speaker 2: This this theory that's out there.
Speaker 1: That the average number of drinks for an adult male
Speaker 1: in a week is generally believed to be fourteen and
Speaker 1: for a woman it's generally believed to be seven. Is
Speaker 1: there any merit to that?
Speaker 4: Well, this is what what he called the National Institute
Speaker 4: of alcohol Abuse and Alcoholism had to come up with
Speaker 4: because they have, you know, labeled this some moderation, which
Speaker 4: is my least favorite term to describe anything in nutrition
Speaker 4: or anything to do with help because nobody knows.
Speaker 5: What the moderation means.
Speaker 4: So they came up with one drink for women, to
Speaker 4: drinks for men, no reference to the weight of a person,
Speaker 4: no reference to anything. You find a lot of people
Speaker 4: having habits of not drinking anything all week long and
Speaker 4: then saving them all up to the weekend and then
Speaker 4: doing seven drinks at once, fourteen drinks at once. So
Speaker 4: hopefully they gave it a little bit more definition. No
Speaker 4: drinks if you're a high risk and pregnancy. One per
Speaker 4: hour for female, no more than two on any special occasion,
Speaker 4: and never exceed three on any given day.
Speaker 3: So that's a little bit more specific, so that.
Speaker 4: If you do the far but no more than that
Speaker 4: amount per week.
Speaker 3: They try to get a little bit more specific.
Speaker 4: So that is a positive step than the just moderation comment.
Speaker 2: Did you say one an hour, one an hour.
Speaker 4: One per hour, not to exceed three in a given day.
Speaker 3: That would be.
Speaker 1: Don't drink three in an hour, is what you're saying.
Speaker 1: But three in a given day spread it out. Okay, okay,
Speaker 1: but wait.
Speaker 4: People, those real fast and sultle depends on you know,
Speaker 4: how much enzyme that somepany collapsed from ethnicity and some
Speaker 4: of them low lower levels and the endblunch to process
Speaker 4: the alcohol.
Speaker 1: And USh click, well, that makes sense. Nickeolte paces our guests.
Speaker 1: She is the founder of nutri Source that was all
Speaker 1: the way back in two thousand and two. It provides
Speaker 1: high quality education, counseling, and nutrition services with that holistic
Speaker 1: approach to food, health and preventative care.
Speaker 2: I love that.
Speaker 1: I love the holistic approach. I have become more of
Speaker 1: a fan of that as I've gotten on in life,
Speaker 1: the holistic approach to medicine and food and nutrition and.
Speaker 2: Things like that.
Speaker 1: Sometimes we just walk into the grocery store and grab something.
Speaker 1: You know, I'll get this, I'll make this tonight, I'll
Speaker 1: do that. And we don't think when we go in,
Speaker 1: you know, we kind of zone out and just grab
Speaker 1: what we think we need at home, but if you
Speaker 1: take a holistic approach to anything, let alone nutrition, you're
Speaker 1: probably going to be better off. And I'm not saying
Speaker 1: that to both boost your business. I'm sure your business
Speaker 1: is fine, nickelat but I think we need to start
Speaker 1: thinking more of that's that way about things, don't you?
Speaker 4: Absolutely and diverse of art much more.
Speaker 3: Because I realized the best.
Speaker 4: Way is not doing it the one under timment anymore.
Speaker 4: It's really to take to the airwaves and said he
Speaker 4: get these messages out on a border audience.
Speaker 3: So this year will.
Speaker 4: Twenty twenty six, well, we will finally premiere my new show,
Speaker 4: which I'm hosting is called Helse Track The nicolet Pay Show.
Speaker 4: So it's expanding and we are going to be stated
Speaker 4: in the art the things that people have never heard
Speaker 4: on any other news network.
Speaker 3: I'm a deequin to this stuff.
Speaker 2: Where's the show going to be? What what pow platform?
Speaker 4: It's going to secure a Roku channel and I'll be
Speaker 4: bailable on all of the other regular podcast channels that
Speaker 4: my other podcast was. But it's going to be video
Speaker 4: and they have a whole studio built and it's really
Speaker 4: quite excited about it.
Speaker 2: That's right, I got I got a Roku I got.
Speaker 1: I got three of those Roku TVs all over my house,
Speaker 1: so I just turn on Roku and I can find
Speaker 1: it right.
Speaker 3: Yeah, but we haven't premiered it yet.
Speaker 4: This whole lot I'm working on, like I'm working on
Speaker 4: renovating a NEOs imposed origin colonial form out.
Speaker 2: Well on a grander Dale scale.
Speaker 1: Good luck with that, but I'll look forward to that
Speaker 1: maybe in the spring, and in maybe in the summer.
Speaker 4: You think, oh, I'm not going by the spring, because
Speaker 4: we were very much more than most of the elements
Speaker 4: I had. But I just got a production schedule, dombi
Speaker 4: on the equipment and excited.
Speaker 3: And you can be my guest.
Speaker 1: I would love to return the favor. And then you
Speaker 1: could tell me how dumb I am about some of
Speaker 1: the things I do. We'll turn it into something. It'd
Speaker 1: be fantastic. I would love to do that, Nikola, Thank
Speaker 1: you for saying that. In the meantime, I wish you
Speaker 1: a happy new Year. It sounds like it's going to
Speaker 1: be a good new year for you, And I know
Speaker 1: you didn't overdo it last night, so I know it's
Speaker 1: going to be a good day for you. And I
Speaker 1: don't need to say stay well to you, but I'll
Speaker 1: say it anyway, Stay well and only the best in
Speaker 1: twenty twenty six. Thanks for your time today.
Speaker 3: You're welcome, You healthy, to be happy. Thank you.
Speaker 4: Ken.
Speaker 1: That doesn't help sitting on the couch right now saying
Speaker 1: to yourself, oh my, what in the world? And I
Speaker 1: knew last night, but it may help you from doing
Speaker 1: the same thing. New Year's Eve, twenty twenty six. It's
Speaker 1: all right, it's okay, it's all right. You'll be fine
Speaker 1: in a day. Don't worry about it coming up on
Speaker 1: twelve twenty six. On this New Year's Day, twenty twenty six,
Speaker 1: it's the average American and for the great American. On
Speaker 1: news radio seven hundred wl W, it is one O
Speaker 1: eight on this New Year's Day twenty and twenty six.
Speaker 1: How do you use that twenty and twenty six when
Speaker 1: you write out check? If you still write out checks,
Speaker 1: you gotta put twenty twenty six on it.
Speaker 3: Now.
Speaker 1: Everything is twenty twenty six, twenty twenty six. It doesn't
Speaker 1: matter whether it's twenty twenty six or nineteen ninety six,
Speaker 1: or nineteen forty six or twenty thirty six. Everybody, it
Speaker 1: seems like, are resolved to do things in an upcoming
Speaker 1: new year. They used to be kind of quaint. You'd
Speaker 1: make New Year's resolutions. I'm going to stop smoking. I'm
Speaker 1: going to stop smoking in this new year. Or I'm
Speaker 1: going to I am finally going to go to the
Speaker 1: gym and get back into shape. Or I'm jib going
Speaker 1: to cut down on drinking. I just gotta cut down
Speaker 1: on drinking. Or it might be something that's no kind
Speaker 1: of warm and fuzzysmore time with the family. Maybe you're
Speaker 1: going to adopt a pet. Maybe that pet is going
Speaker 1: to find a great home in your house. There could
Speaker 1: be all kinds of things. Unfortunately, most New Year's resolutions
Speaker 1: go out the window after the first month, and pretty much,
Speaker 1: I don't know, like eighty ninety percent are never fully
Speaker 1: realized for an entire year. But finances have always been
Speaker 1: a major thinking point on New Year's even New Year's Day.
Speaker 1: Financial betterment, financial resources, better care of such is what
Speaker 1: I think a lot of people think about when they
Speaker 1: make New Year's resolutions. So I saw with interest this
Speaker 1: story that was on a website called The Motley Fool.
Speaker 1: The Motley Fool is a financial advice website, and they
Speaker 1: surveyed about two thousand of us, maybe not you, maybe
Speaker 1: not me, but two thousand Americans to find out what
Speaker 1: people's most common financial resolutions are. And the usual stuff
Speaker 1: came came up. Paying off debt, saving for something big
Speaker 1: in life, increasing income, saving for retirement, reducing spending, all
Speaker 1: the things that you would like to do but maybe
Speaker 1: don't have the patience or the wherewithal to do so.
Speaker 1: Over and above that, what would be some good financial
Speaker 1: resolutions to make today that are realistic that you might
Speaker 1: be able to follow through and be better this time
Speaker 1: in twenty twenty seven. Ron Glasgow is an interesting guy.
Speaker 1: He has served this country in uniform. He was in
Speaker 1: the United States Marines for about twenty years, started his
Speaker 1: own financial services career back in twenty two thousand and one.
Speaker 1: Actually it's always been at this for twenty five years.
Speaker 1: And he's somebody that understands that oftentimes what we resolve
Speaker 1: to do, we don't often do. But one of these
Speaker 1: top five financial New Year's resolutions for twenty twenty six,
Speaker 1: Ron glasgalhow are you on this glorious New Year's Day?
Speaker 3: I'm doing great. How about you?
Speaker 2: I'm doing well.
Speaker 1: I'm excited for the new year. I'm excited for twenty
Speaker 1: twenty six. I think the last time we had you
Speaker 1: on the show, you and I got into a conversation
Speaker 1: about twenty twenty six, and we both kind of agree
Speaker 1: that twenty twenty six right now looks like it should
Speaker 1: be a robust year financially for tens, if not hundreds
Speaker 1: of millions of Americans. Are you still feeling bullish about
Speaker 1: twenty twenty six?
Speaker 6: Yeah, you know, I cry be very pragmatic about these things.
Speaker 6: So you know, we all hope that we're going to
Speaker 6: have a great year. But you know, dars darthum headwinds
Speaker 6: that get a couple of them.
Speaker 3: You know, plation is still kind of treading there.
Speaker 6: You know, some unemployment numbers, but you know that's something
Speaker 6: egghead like me really worry about more than anything. I
Speaker 6: think as of now, you know, I'll find for go.
Speaker 6: The economy is looking fairly selling.
Speaker 1: I looked at the GDP, the most recent GDP at
Speaker 1: four point three percent. Now Americans will say, well, how
Speaker 1: does that affect me? Well, it affects you because if
Speaker 1: that's doing well, chances are other indicators are doing well.
Speaker 1: Inflation is lower, I think than what most people expected.
Speaker 1: It's infinitely lower than what it was three years ago.
Speaker 1: And that's what I look at, along with the price
Speaker 1: of diesel fuel, which is what fuels the trucking industry,
Speaker 1: which is what fuels the economy, and I think those
Speaker 1: indicators lead me to believe that maybe some of these
Speaker 1: headwinds that you're talking about may be buffeted by the
Speaker 1: things I just talked about. Would that be a fair
Speaker 1: thing to think?
Speaker 3: Yeah? You think so? Those are all great things.
Speaker 6: There's no doubt that we're in a much better position
Speaker 6: now than we were several months ago.
Speaker 3: The equalies especially we talked about in placement and the things.
Speaker 6: You know, lookten, we're right, you're coming out where as
Speaker 6: low as we quite want it to be, but it's
Speaker 6: if they're very solid numbers. My concern is always you
Speaker 6: have the inflation that's under control now, but it's still
Speaker 6: on top of that huge run up that we had previously,
Speaker 6: and that's where it kind of pitches the middle class,
Speaker 6: and that's where people are saying, look, I just don't
Speaker 6: have the same purchasing power you have. But that becomes
Speaker 6: somewhat of an issue that said, you know, you can't reverse,
Speaker 6: you can't rewind you just have to play the hand
Speaker 6: that you're dell in the current day, and that's what
Speaker 6: we're doing.
Speaker 3: And things are clearly much better than they were previously.
Speaker 1: Right because inflation, you know this, I know this is compounded.
Speaker 1: It's not it just doesn't go magically to another number
Speaker 1: each and every month. It's compounded on top of where
Speaker 1: you were. So if it was two point what seven percent,
Speaker 1: a little under two point seven percent here in the
Speaker 1: last month, that's two point seven percent compounded on what
Speaker 1: it was a year ago. So it's just it's exactly
Speaker 1: and it rarely gets below zero percent. So I mean,
Speaker 1: you're a victim of the way you were before. But anyway,
Speaker 1: I'm encouraged by what I see here as Americans. Five
Speaker 1: top financial New Year's resolutions, and number one is paying
Speaker 1: off debt. If there's one thing that will strangle you
Speaker 1: in a personal life, if there's one thing that will
Speaker 1: keep you from achieving all that you want, it's an
Speaker 1: accumulation of debt. It's okay if the federal government does it, well,
Speaker 1: it's not.
Speaker 2: But they play by different rules.
Speaker 1: But if you play by those rules, you will be
Speaker 1: in a world of hurt, probably for your life. So
Speaker 1: if you've got debt that you can buy down whatever
Speaker 1: way possible, I think that you should do that.
Speaker 2: Whether it's a New Year's resolution or any day of
Speaker 2: the week.
Speaker 6: Would you agree, Yeah, I mean, you know, it depends
Speaker 6: on what kind of debt as well. So you know,
Speaker 6: the whole mortgage, that's not a bad debt to have.
Speaker 6: Typically it's inductible and it's how you get into a house.
Speaker 6: Unpsily does border rich.
Speaker 3: You know, if you got to have a car to
Speaker 3: go to work, you gotta have a car payment. Those
Speaker 3: are kinds of things.
Speaker 6: That's the credit card debt is the thing that's the
Speaker 6: most concerning because so many people have mounting credit card bills,
Speaker 6: and those of the industrates will just absolutely kill you
Speaker 6: our struggle you as you just sent.
Speaker 3: If you're really looking at the debt that you have, sel.
Speaker 6: Just necessary, but you think it's not necessary, I mean,
Speaker 6: get rid of pay that office quickly as a gag.
Speaker 6: And the illustrates attest to it are typically pretty high, okay,
Speaker 6: and that's fair.
Speaker 1: I would love to see some sort of regulation on
Speaker 1: the amount of interest credit card companies and banks can
Speaker 1: charge on those things. But I'm not a big government interventionist,
Speaker 1: but I would like to see that at least addressed,
Speaker 1: So paying off debt, saving for something big like a trip,
Speaker 1: or a retirement plan. I think retirement. I think retirement
Speaker 1: plans should get more focused. And I'm not talking about
Speaker 1: boomers or anything like that. I'm talking about the gen
Speaker 1: Z crowd, the gen y crowd. If you've got a
Speaker 1: four to oh one K at where you work, you're
Speaker 1: an absolute nut. If you do not buy into that
Speaker 1: to the maximum you can contribute with your employer or matching,
Speaker 1: and normally that's what the employer kicks in up to
Speaker 1: three to six that's what your income you should be
Speaker 1: contributing to. You're making money at that point. So I
Speaker 1: think that should be a goal, particularly for the for
Speaker 1: the younger crowd, don't.
Speaker 6: You Yeah, I mean for anything that's match that's free money.
Speaker 6: So if you don't take it, you're just leaving down
Speaker 6: on the table. You should always invest up to your
Speaker 6: four one K your company'sponths to plan up to the
Speaker 6: massing amount. After that, you wanted to determine the raw
Speaker 6: better or or not. But then even these days, the
Speaker 6: four one K plans have a rock competent as well.
Speaker 6: So you could do it kind of all in one,
Speaker 6: take advantage of the matches to contribute to your retirement.
Speaker 3: But that's certainly a lot more important than planning for
Speaker 3: a big trip.
Speaker 1: I would say reduce spending is on this top five list.
Speaker 1: By the way, this is a survey that done was
Speaker 1: done by the Moley Fool, which is.
Speaker 2: A financial website.
Speaker 1: About two thousand Americans participated reducing spending.
Speaker 2: Everybody wants to do that.
Speaker 1: I think they look at what the bills have, particularly
Speaker 1: in the last month, have have piled up to and
Speaker 1: they say, yeah, I got to cut down on spending.
Speaker 1: That's not that It's great perhaps for you personally, but
Speaker 1: that's not great news for the economy, is it going forward?
Speaker 1: The economy is dependent on people spending money, is it not?
Speaker 6: Run the kondomy is depending on people sitting money to
Speaker 6: a large extent. However, you know, you've got to look
Speaker 6: at your own personal situation first, so you don't want
Speaker 6: to sit it frivolously. You know, it's not our job
Speaker 6: to stimulate the economy as individuals. That the byproducts of
Speaker 6: just being an American, and American's business is business.
Speaker 3: So if you're taking care of all of the sentities.
Speaker 3: Spending a little bit extra for entertainment certainly will hurt
Speaker 3: the economy.
Speaker 6: Will be fine if everyone does that, but make sure
Speaker 6: that you're you're paying off that bet and then cutting
Speaker 6: back on trivial of spending.
Speaker 1: Now, from a tax standpoint, twenty twenty six, things are changing.
Speaker 1: Twenty twenty five's in the bank here in just a
Speaker 1: day or two. But twenty twenty six things change because
Speaker 1: of the one big beautiful law that was signed into
Speaker 1: law on July fourth, No tax on tips. That's great
Speaker 1: if you're in the food service industry. But you got
Speaker 1: to keep track of those things, right, You got to
Speaker 1: You got to do a little paperwork on those You
Speaker 1: can't just pocket the money and say I'm fine, no
Speaker 1: tax on tips. You've got to keep track of those things, correct.
Speaker 6: Yeah, yes, So when it comes to the things like tipping, yeah,
Speaker 6: you've got.
Speaker 3: To keep track of it. And look, it's a lot
Speaker 3: easier to do these days.
Speaker 6: Everybody's credit cards, so you're it's going to be it's
Speaker 6: going to be calculated no matter what. So you want
Speaker 6: to make sure you stay on top of that and
Speaker 6: just you know, and then goes for oll of yours.
Speaker 3: But in terms of all of your income.
Speaker 6: You really just want to keep a running letter of
Speaker 6: what you're making to avoid any hot water with the ir.
Speaker 1: Okay, yeah, absolutely, and you're right. I think it is
Speaker 1: easier because of people that use credit cards now and
Speaker 1: I sometimes I use cash. It depends on the amount
Speaker 1: of the bill, but still you got to keep track
Speaker 1: of that. Now, this one big beautiful law that Trump
Speaker 1: got through Congress, I'm wondering what the tax cuts are.
Speaker 1: We keep hearing about the Trump tax cuts. What is
Speaker 1: that mean for me and everybody else walking around here
Speaker 1: in the greater Cincinnati area? Am I going to be
Speaker 1: taxed less? Am I going to have to pay less
Speaker 1: income tax in twenty twenty six?
Speaker 6: Yeah? It's you know, it was a controversial bill, right,
Speaker 6: That was the one that sort of split up Elin
Speaker 6: and Trump.
Speaker 3: So that's shows you how controversial it was.
Speaker 6: At the end of the day, whatever the bill is
Speaker 6: is going to trickle down to your particular situation. So
Speaker 6: that's where you want to look at how it affects you.
Speaker 6: And more importantly, all I should insult with the tax
Speaker 6: professional on that one, because.
Speaker 3: You're individual taxes.
Speaker 6: Elis want to go to that tax professional I'm pretty
Speaker 6: good about helping people to an extent with investments, but
Speaker 6: you know we rely on our tax partners mostly.
Speaker 5: Yeah.
Speaker 1: Absolutely, But I mean it just stands to reason, like,
Speaker 1: for example, if if if I made with a wish,
Speaker 1: if I made one hundred thousand dollars last year and
Speaker 1: I was taxed on that, and I forget what the
Speaker 1: tax rate would be on that, Let's just say it's
Speaker 1: thirty percent for a round number. Should I expect that
Speaker 1: thirty percent to go to twenty five percent to twenty percent.
Speaker 1: I'm just trying to get a feel here. I know
Speaker 1: you're not a tax by, but I'm sure you file
Speaker 1: income tax might try to get I'm just trying to
Speaker 1: get a feel about what it means. I mean, and
Speaker 1: just in terms of dollars, even if it's not the
Speaker 1: percentage we can talk about, is it just going to
Speaker 1: mean that I have to pay less in twenty twenty six.
Speaker 3: Yeah.
Speaker 6: Well, one thing I always want to point out is
Speaker 6: if people forget this, and they forget there's an effective rate.
Speaker 3: Versus you know, the set rate.
Speaker 6: So when the text rate says thirty two percent, that
Speaker 6: doesn't mean you're paying thirty two percent on everything you
Speaker 6: made it's cheers for like a wedding cake. And how
Speaker 6: I was still to explained to me thirty years ago
Speaker 6: when I was learning this, So are you going to
Speaker 6: pay less potentially, but remember you just pay less on
Speaker 6: that amount that hits that next.
Speaker 3: Bracket wrung up.
Speaker 6: I don't have those in front of me, but it's
Speaker 6: not going to just drastically reduce you from dollar one
Speaker 6: because the text god to the instruction that way.
Speaker 3: Again, it's kind of takes stereo.
Speaker 2: Okay.
Speaker 1: Ron Glasgow is our guest and he's an investment guru.
Speaker 1: He can help you get your money where it needs
Speaker 1: to go to do things that you only dream of.
Speaker 1: The feed is cutting rates. BET cut a rate by
Speaker 1: a quarter percentage point a couple of weeks ago. More
Speaker 1: rate cuts are coming in twenty twenty six. From an
Speaker 1: investment standpoint, if you see those rates getting cut and
Speaker 1: another one expected next year, would it not make sense
Speaker 1: to open a CD or a high yield savings account
Speaker 1: before these rates fall further? And would it not make
Speaker 1: sense to do that before the next few days?
Speaker 6: Sure well, they always say you when you're looking at
Speaker 6: making sense of things like that.
Speaker 3: I wouldn't necessarily worry about the rate cuts.
Speaker 6: If you have the ability to open and checking or
Speaker 6: tobahin savings account and you have money, then yes you
Speaker 6: should put that into those high yielded accounts. You know
Speaker 6: when the Fed does cut that, you will see you
Speaker 6: go down. So I think it's pretty much fatter than
Speaker 6: we'll do rake Ki. Although it's not certain, but you
Speaker 6: know you sigure getting two or three months of interest
Speaker 6: at that higher rate before it kicked down a quarter
Speaker 6: a point. It's certainly helpful. But again the driver there
Speaker 6: is do you have the money to say so? Well,
Speaker 6: I mean put it into the staving the council gets
Speaker 6: to the most money possible.
Speaker 1: Ron Glasgow, our guest financial strategist, You know what's frightening
Speaker 1: about all these resolutions?
Speaker 3: Ron?
Speaker 1: I mean, I've got the numbers here in front of me.
Speaker 1: Very few New Year's resolutions are kept long term. About
Speaker 1: six percent maybe a little bit more than that, if
Speaker 1: people actually make a resolution on New Year's Day and
Speaker 1: stick with it through the end of the year and
Speaker 1: eighty percent. Stats tell us eighty percent of us just
Speaker 1: bail on our New Year's resolutions by the end of January.
Speaker 1: We're not a very disciplined society.
Speaker 3: Are we not much? You know, it's kind of like
Speaker 3: the gym, which I haven't been too and far too long.
Speaker 6: But you know, when I work out heavily, you always
Speaker 6: dread January because you know we're just going to be back,
Speaker 6: you know, February.
Speaker 3: It's better by March or back at the clear. Yeah,
Speaker 3: so that unfortunately, that's great.
Speaker 1: Yeah, you see people, you see people you haven't seen
Speaker 1: in your life the day after New Year's and by
Speaker 1: February they're gone.
Speaker 2: I mean, you're you're putting out apbs on these guys.
Speaker 2: Where did he go? What happened to these people?
Speaker 1: But you're right, it's it's uh, it's going to get
Speaker 1: packed in the gym early on here in the new year. Nevertheless, Ron,
Speaker 1: good stuff as always, Ron Glasgow, you know your stuff,
Speaker 1: stay well and we'll visit in the new year.
Speaker 2: Thanks for your time.
Speaker 3: Today, Yeah, thank you very much. I agree you having
Speaker 3: you bet you bet.
Speaker 1: One thing above all else if you're going to make
Speaker 1: any financial resolutions for this year, is pay down your
Speaker 1: credit card debt. As he said, mortgage car. I mean
Speaker 1: that's they're okay to carrying notes on that credit card
Speaker 1: debt with some of those approaching twenty two to twenty
Speaker 1: three percent in terms of interest. I'm not a government interventionist,
Speaker 1: not not for anything, but there's something that has to
Speaker 1: be done with credit card interest rates. They're just absolutely astonishing, depressing.
Speaker 1: I'd say it listens to steal money. But you went
Speaker 1: into one of those willingly. You have to understand what
Speaker 1: it means. Pay down the debt. Find a card with
Speaker 1: zero balance, put everything on that card, and then pay
Speaker 1: that card off every single month and get out from
Speaker 1: underneath debt.
Speaker 2: That ought to be number one for a New Year's resolution.
Speaker 2: I did that.
Speaker 1: Oh gosh, it's been about ten years ago, and it
Speaker 1: was just emancipating when it came to financial concerns that
Speaker 1: I had. We're at won twenty four on this New
Speaker 1: Year's Day. Happy New Year, twenty twenty six. The Average
Speaker 1: American in for the Great American News Radio seven hundred
Speaker 1: WLW Welcome back, seven hundred WLW. It's the average American
Speaker 1: in for the Great American on this New Year's Day.
Speaker 1: Keeping track of the college football playoffs. Oregon and Texas
Speaker 1: Tech in the Orange Bowl and now with eleven minutes
Speaker 1: and twenty four seconds to go in the third quarter,
Speaker 1: Oregon six and Texas Tech NA six.
Speaker 3: Nothing.
Speaker 1: Tonight it's Mississippi and Georgia and that will complete the
Speaker 1: three games today. Mississippi and Georgia will square off in
Speaker 1: the final. I guess these are quarterfinals. Yeah, the quarterfinals
Speaker 1: of the college football playoff that will be in the
Speaker 1: Sugar Bowl in the upcoming about four o'clock. In the
Speaker 1: upcoming Rose Bowl, it will be Indiana, number one in
Speaker 1: the country, number one seed in the country, Indiana against
Speaker 1: Alabama and at the new Conference out there in Los
Speaker 1: Angeles at Dull Pasadena actually where they're playing this thing.
Speaker 1: One of the reporters as Kirk Signetti, who is the
Speaker 1: head football coach of Indiana and a terrific one at that.
Speaker 1: They asked him the grind year to year, season, the season,
Speaker 1: and now the grind after the end of the regular
Speaker 1: season and coming into your first playoff game of twenty
Speaker 1: twenty six, how do you deal with that? Is there
Speaker 1: a process? And do people get burned out? Here's what
Speaker 1: Signetti said. I think this was very prescient on his part.
Speaker 7: I've always tried to do is manage the grind a
Speaker 7: little bit and be efficient in everything we do. I'm
Speaker 7: a short practice guy. You know, I want to keep
Speaker 7: the players fresh, keep me healthy. I'm the same way
Speaker 7: with the coaches, you know. I'm very cognizant of their
Speaker 7: family time, their free time. I think everybody needs time
Speaker 7: to kind of get away and recalibrate.
Speaker 2: So this business, you gotta love it.
Speaker 7: If my dad told me at a very young age,
Speaker 7: only go in it if you can't live without it.
Speaker 3: And I think that was good advice.
Speaker 1: Yeah, I mean, I think that's advice for any job.
Speaker 1: You know what you're getting into. If you don't love it,
Speaker 1: if you can't dedicate yourself to it, then you know
Speaker 1: what are you doing there? And it is the life
Speaker 1: of a head coach is glamorous, it's well compensated, but
Speaker 1: for assistant coaches it is a grind. Of course, players
Speaker 1: it used to be that way. Now some are handsomely
Speaker 1: remunerated for their services thanks to ANIL, but nevertheless it
Speaker 1: is a grind. So what does Indiana have tonight against Alabama?
Speaker 1: What does this matchup look like? What are the strengths
Speaker 1: and weaknesses of each team? What does Indiana have to
Speaker 1: be wary of that Alabama brings to the field tonight? Alabama,
Speaker 1: they've already gotten one upset already in the college football playoff.
Speaker 1: They beat Oklahoma before Christmas? So what of this game
Speaker 1: right now? Many websites cover the Indiana Hoosiers. One that
Speaker 1: I gravitate to is called Inside the Hall. I like
Speaker 1: it because they have good writers, and one of their
Speaker 1: good writers, in my opinion, is standing by to join
Speaker 1: us now to handicap this game tonight. He is Josh
Speaker 1: Pose and a couple of hours before kickoff kind enough
Speaker 1: to carve out some time to spend with us here
Speaker 1: on seven hundred W Well, W win, Josh.
Speaker 2: How are you on this glorious game day?
Speaker 3: I'm doing well, Kenn.
Speaker 5: It's kind of an overcast day in Los Angeles, but
Speaker 5: it's warmer than it is by.
Speaker 3: You, that is for sure.
Speaker 2: Well, that bar is low.
Speaker 1: And are you sure it's not overcast or is it
Speaker 1: just smog because there's a lot of smog out there,
Speaker 1: as you well.
Speaker 5: Know, a lot of smog and a lot of rain
Speaker 5: in coming up to and.
Speaker 3: Give me a rainy week.
Speaker 2: Yeah, sounds that way, all right. So this is interesting.
Speaker 2: This is the Rose Bowl.
Speaker 1: This is Indiana the number one overall seed against Alabama,
Speaker 1: which is played on by virtue of it's went over Oklahoma.
Speaker 1: First things first, Indiana has been off for a while,
Speaker 1: obviously since that Big Ten Championship game. I'm just wondering
Speaker 1: what has occurred during that time period between the end
Speaker 1: of the Big Ten Championship game and this game against Alabama.
Speaker 1: Was this team banged up? Did it need rest? Did
Speaker 1: it would it have been better to just keep playing?
Speaker 1: I mean, what has this time off been like?
Speaker 3: I think this time off is a double edged sword.
Speaker 5: Obviously, you saw last year in the college football playoffs
Speaker 5: the top four seeds who did get buys all lost
Speaker 5: by significant margins in that in that quarterfinal last year.
Speaker 5: But for India they kind of treated they treated it
Speaker 5: like two bye weeks. So when you play twelve games
Speaker 5: in the span of fourteen weeks, you do get dinged up.
Speaker 5: So it was an opportunity for those guys that were
Speaker 5: dinged up, like an Omar Kupu who got hurt, they
Speaker 5: were able to rehab rest and then it's a lot
Speaker 5: of film watching and to your question about would you
Speaker 5: rather play, well, that's to be seen obviously with the
Speaker 5: Rose Bowl game and all the College Football playoff quarterfinals.
Speaker 5: But I think with Kurt Signetti. He knows how to
Speaker 5: manage his team and he's he's a time manager. He's
Speaker 5: really good at that. So it's going to be really
Speaker 5: interesting to see did they hold us what they've done
Speaker 5: with all the practice in their workouts. But if they
Speaker 5: can put it on the field, that's when we'll really
Speaker 5: see how it went.
Speaker 1: Yeah, and again not to kick off, will we see
Speaker 1: that at all? But it has been just a historic,
Speaker 1: magical run at IU. And in this day and age
Speaker 1: of college football, you can turn a program around quickly
Speaker 1: with the portal Kurt Signetti has come in. He's breathed
Speaker 1: new life into that school. Obviously, these are housey and
Speaker 1: days for Indiana. What other than obviously getting Fernando Mendoza,
Speaker 1: who was, you know, a gifted player and a Heisman
Speaker 1: Trophy Wanner, what has Signetti done, either through his philosophy,
Speaker 1: his culture or player acquisition. What is the most significant
Speaker 1: thing that he has done to turn this around other
Speaker 1: than getting Fernando Mendozo.
Speaker 3: I mean, I think it's not what Kurt Signetti has done.
Speaker 5: He's done a lot, don't get me wrong, But it's
Speaker 5: what the university has done for the football program. They
Speaker 5: finally invested in the football program. For many years, football
Speaker 5: was treated by the athletic department as.
Speaker 3: Just another step closer to basketball season.
Speaker 5: By October, he was all right, the football team is one,
Speaker 5: two games and everybody's going to start heading.
Speaker 3: Over to Assembly Hall. They started to invest in money.
Speaker 5: They invested their money into football because at the end
Speaker 5: of the day, college football rules the roost and when
Speaker 5: it comes to athletic department budgets. So Scott Dolson and
Speaker 5: the athletic director and the president, Pam Whitten, and Kirk
Speaker 5: Cognetti will be the first one to tell you that
Speaker 5: it was their investment to the football program that allowed
Speaker 5: him to get the players to establish that culture.
Speaker 3: In those JMU guys.
Speaker 5: There's a lot of guys on this team doesn't even
Speaker 5: go to the gay and you guys alone.
Speaker 3: Who have something to prove.
Speaker 5: They always they called themselves the Group of five All Stars.
Speaker 5: Last year these guys started either SCS or in the
Speaker 5: Group of five.
Speaker 3: So they want to prove to these coaches.
Speaker 5: They wanted to prove the All Aisle Stakers Defense State,
Speaker 5: the Organs of the world, those coaches that hey, you
Speaker 5: didn't recruit us, but we're going to make you pay
Speaker 5: for it.
Speaker 1: This game is an interesting matchup in a number of senses.
Speaker 1: Alabama is a team that a lot of people looked
Speaker 1: at and said, well, I wonder if they're going to
Speaker 1: make the playoff, and then all of a sudden they
Speaker 1: go to Oklahoma and turn that town and that team
Speaker 1: upside down.
Speaker 2: And here they come.
Speaker 1: Into this game against Indiana, and I'm just wondering. You
Speaker 1: have to look critically at Alabama. There's seven point underdogs
Speaker 1: last I checked, and I think that number is a
Speaker 1: little low. I'm not sure that seven would be the
Speaker 1: number I had assigned to it. But nevertheless, as you
Speaker 1: look at Alabama, what do you think is the biggest
Speaker 1: problem Indiana will have with Alabama in this game?
Speaker 5: I think it is the matchups, not really in the trenches,
Speaker 5: but outside. They have a lot of skill guys. Obviously,
Speaker 5: Ryan Williams had a great year last year. I think
Speaker 5: he was still like seventeen years old last year. He's
Speaker 5: been quiet this year. But I think with ty Simpson,
Speaker 5: if ty Simpson can be the Heisman caliber quarterback that
Speaker 5: he was predicted to be up until i'd say mid November,
Speaker 5: then Indiana could have some trouble. But I think Indiana
Speaker 5: is so well versed on defense, but maybe to answer
Speaker 5: your question a little bit better, maybe offensively against a
Speaker 5: really tough defensive line in Alabama. To get their star
Speaker 5: defensive lineman Elsie Overton back. He played in the Auburn game,
Speaker 5: didn't play against the Oklahoma the heat. I think he
Speaker 5: leads the team and tackles to lost. So they're a strong,
Speaker 5: physical team. So it could come down to the trenches
Speaker 5: like all college football games do. So I'd say that
Speaker 5: defensive line Indiana's offensive lick has to get pushed.
Speaker 2: Yeah they do.
Speaker 1: I mean last I checked, Alabama was top ten in
Speaker 1: rushing defense. Well, let's talk a little bit about what
Speaker 1: the Alabama will face from the Indiana rushing attack. Roman Henby,
Speaker 1: Taylor Black, He's in there and that mix as well.
Speaker 1: But let's just talk about Henvy for a minute. How
Speaker 1: important is it for him to get off.
Speaker 7: In this game.
Speaker 5: Yeah, Roman Henby is the guy that will set the
Speaker 5: tone in this game, especially depending on the weather. It
Speaker 5: might be a wet, muggy day in Pasadena and no
Speaker 5: one really wants to see that. They want to see
Speaker 5: the sunset over the San Gabriel Mountains. But it might
Speaker 5: be a wet condition in Pasadena. So establishing the run,
Speaker 5: Roman Henby really good at getting downhill, getting extra yards.
Speaker 5: You got to fight for every extra every yard matters
Speaker 5: in this time of year. You're trying to fight for
Speaker 5: one more game, fighting for one more yard each play.
Speaker 5: So Roman Henby setting the tone will allow a guy
Speaker 5: like Kaylon Black to come in in his place and
Speaker 5: flourish on itself. Roman Henvy that nine hundred and eighteen yards,
Speaker 5: but Kaylon Black has seven seven hundred ninety nine with
Speaker 5: thirty four less touches. So these guys are the two
Speaker 5: headed monster that I think. Roman Henvy has to set
Speaker 5: the tone, but Kaylon Black also has to do his
Speaker 5: job against a good defensive line.
Speaker 1: Yeah, we're chatting with Josh Pose. He is with Inside
Speaker 1: the Hole. They cover Indiana University athletics and very very well.
Speaker 1: I mean, I think Indiana fans know about what Inside
Speaker 1: the Hole is all about. But if someone if you're
Speaker 1: out there and you're just maybe a casual fan or
Speaker 1: you just want to get an inside scoop as to
Speaker 1: what's going on in this game that's coming up against
Speaker 1: Alabama a great destination. Tell me about Mendoza. He seems
Speaker 1: to be just a genuinely nice person. Comes off as
Speaker 1: a little naive, but in terms of worldliness obvious he
Speaker 1: knows football, but really what is what is he like?
Speaker 1: Is he as as the way he conducts himself on
Speaker 1: television in these interviews, is he that way all the time?
Speaker 5: That is the same person that you see that you
Speaker 5: saw give that six minute Heisman speech she had spirited
Speaker 5: looking into the camera. That is the same person we
Speaker 5: have seen since his spring interview with us after the
Speaker 5: spring game. Fernanda Mendoza albeit a little he's a little
Speaker 5: quirky and in he he's a great quarterback, so that
Speaker 5: he understands the game. He understands every word he's saying.
Speaker 5: He is the only athlete that I've talked to in
Speaker 5: my four years of college, in going back to reporting
Speaker 5: in high school that has never said the phrase you
Speaker 5: know or no filler words.
Speaker 3: He will.
Speaker 5: He knows what he wants to say. He's almost like
Speaker 5: a robot because he's so well spoken, but just one
Speaker 5: of one human being and obviously the Heisman winner. He's
Speaker 5: a great talent at court, but he just represents the
Speaker 5: university so well, and it's exactly the person that Indiana
Speaker 5: wants to surround itself.
Speaker 3: With he had.
Speaker 5: I think it was Antoine Randall l back in the day,
Speaker 5: and then Anthony Thompson, who is a Heisman runner up.
Speaker 5: But Fernando Mendoz is the guy like there's no controversy
Speaker 5: around him. He is just a great quarterback. He is
Speaker 5: the Heisman winner for a reason, and he goes and
Speaker 5: wins games he needs. As clutch as they come in
Speaker 5: college football.
Speaker 2: Signetti's a trip, isn't he.
Speaker 1: I mean, he's just you know what I mean? Do
Speaker 1: you never know what's coming out of that dude's mouth.
Speaker 1: I mean, I've been to Pittsburgh a lot in my life,
Speaker 1: and there are there are a lot of guys walking
Speaker 1: around Pittsburgh that have the same mannerism in the same speech.
Speaker 1: But as a guy, he doesn't I honestly care. I
Speaker 1: don't think he cares about who says what about him,
Speaker 1: and I honestly think he doesn't care about what he
Speaker 1: says about anyone. He just is, Okay, let's just judge
Speaker 1: me by what happens, which is rare in this day
Speaker 1: and age in athletics, is it not?
Speaker 5: He It's it's very rare. A lot of times you're
Speaker 5: kind of getting with that new wave of coaches. But
Speaker 5: you have to remember Signetty's background. His dad was ahead
Speaker 5: was a coach, an old school coach. He coached under
Speaker 5: Nick Saban and everything he does controlling the message like
Speaker 5: that's that's very nixt saving of him.
Speaker 3: But he's one of those guys that bet.
Speaker 5: On himself and he won, so why not have the brashes?
Speaker 5: And he always says that the Google need I win,
Speaker 5: the Michigan, the Michigan Ohio State they suck in and
Speaker 5: Purdue does too.
Speaker 3: All that kind of stuff.
Speaker 5: He riled up a fan base that was that was
Speaker 5: quite frankly dormant, and he's unapologetically himself and that's what
Speaker 5: people either love or hate about him. And he's just
Speaker 5: awesome to talk to you because, like you said, you
Speaker 5: never know what's coming out of his mouth neck except
Speaker 5: for his his tropes of fast, physical, relentless and a
Speaker 5: smart discipline.
Speaker 1: Boys, it's amazing you've had a ball covering that team
Speaker 1: this year. We'll see how it goes with Alabama. I
Speaker 1: fully expect Indiana to play on but we'll see how
Speaker 1: it all turns out. As they say, that's why they
Speaker 1: play the games. Josh Thanks for your time, Josh pos
Speaker 1: inside Thehall dot com and enjoy your time out there.
Speaker 1: I know it's worked, but enjoy your time out there, Josh,
Speaker 1: and thanks for your time today.
Speaker 3: Thank you. Ken.
Speaker 1: Of course, that game is coming up around about four,
Speaker 1: and we will carry it here on seven hundred alw
Speaker 1: or at least that's what I'm being told, and that'll
Speaker 1: be an interesting game to tune into.
Speaker 2: But Indiana to me, is just humming right along.
Speaker 1: I know what the stats say about teams that have
Speaker 1: a bye week and then have to go play in
Speaker 1: the college football it's not good. In fact, I don't
Speaker 1: think anyone has taken a bye week in college football's
Speaker 1: playoff system and then come back in one. Have they
Speaker 1: bye weeks are not Older're cranked up to me. You
Speaker 1: know these teams that are going it's in the NFL too.
Speaker 1: These teams are going, going, going, and they're performing so
Speaker 1: well and then all of a sudden, Wow, here's an
Speaker 1: extra week off. Well that's great, everybody can heal up
Speaker 1: and everybody, and then you kind of lose the mojo
Speaker 1: you had going. We'll see what happens to Indiana. I
Speaker 1: still think they're the best team left standing. Miami is
Speaker 1: a great story. Don't get me wrong there. Miami is
Speaker 1: a great story Indiana. I think they're the best team
Speaker 1: left standing. We shall find out. It is two twenty
Speaker 1: two on this New Year's Day. It's the average American
Speaker 1: in for the Great American. Seven hundred wl W, seven
Speaker 1: hundred wl W. Welcome back to the Big Show. I
Speaker 1: am ken Brew.
Speaker 3: We had.
Speaker 1: Some thoughts from Ryan Day on last night's Ohio State
Speaker 1: loss to Miami, and one of the things that he
Speaker 1: suggested was a turning point in the game, and for
Speaker 1: all intents and purposes, it was was, well, let me
Speaker 1: take you back to the third quarter. That's probably the
Speaker 1: best place to go. Miami got the ball after Ohio
Speaker 1: State cut the lead to fourteen to seven, and Miami
Speaker 1: goes on this drive. It's nine plays, it's forty three yards,
Speaker 1: it's five minutes, little more than five minutes o'clock time,
Speaker 1: and it ends in a field goal.
Speaker 3: And you know, it was.
Speaker 1: To me, even though it didn't end in a touchdown,
Speaker 1: it just it said to me that this thing was
Speaker 1: pretty much done. Ohio State answers with a touchdown in
Speaker 1: the fourth quarter made it seventeen to fourteen, but it
Speaker 1: just like it just kind of like stagnated there and
Speaker 1: he got to the fourth courter. Here's a second drive
Speaker 1: too in the fourth quarter for Ohio State. They had
Speaker 1: scored to make it seventeen to fourteen early fourth quarter,
Speaker 1: seven plays, six yard drive, and it just it just stalled.
Speaker 1: I mean, they there were there was a sack, there
Speaker 1: was an incompleted pass, then a ten yard penalty that
Speaker 1: threw them back and off track again in completion, passed
Speaker 1: behind the line of scrimmage, then another penalty. They just
Speaker 1: they were they were coughing and wheezing at that point.
Speaker 1: The first half was was just horrible for them. Fourteen
Speaker 1: to nothing is what the score was at halftime. And
Speaker 1: they out of the gate in the second half. They
Speaker 1: knew they really had a how to be crisp. They
Speaker 1: knew they had to make every drive and they they
Speaker 1: were better in the second half then the first half.
Speaker 1: Don't get me wrong on that they played better. What
Speaker 1: they weren't really playing like Ohio State football in the
Speaker 1: first half. That question was posed to Juliet saying after
Speaker 1: the game and in the news conference about the difference
Speaker 1: in the two halves and just coming out and just
Speaker 1: not doing anything in the first two quarters of football.
Speaker 8: Here's saying, yeah, just started executing better in the second half,
Speaker 8: but ultimately, you know, wasn't good enough, didn't put up
Speaker 8: enough points, and you know it starts with me, and
Speaker 8: we got to be better on offense as an execution standpoint,
Speaker 8: and you know it starts with me. So we got
Speaker 8: to be better and put up more points than fourteen.
Speaker 1: Yeah, right, got to be better. But you aren't going
Speaker 1: to have a chance to be better until this coming August.
Speaker 1: And we'll see how many stick around to be better
Speaker 1: in this coming August. Transferred Portal is just about open
Speaker 1: two thirty news time, seven hundred at WLW