Cool. Cool. Good morning guys.  Yesterday on a prom with split-screen video So adding a person may lose audio Let's try that today later on. I don't know if it fixes the problem or what? How'd you guys do today? Today was kind of tricky for me anyways Man should get out of some stocks made some money If you overstayed in some stock names like FT FT you got smoked short that is Socks have consolidated For a couple of days. You have to be very careful shorting them guys They're great for long buys traders to pick up if you see a flat consolidation line of a name that has recently been ran That's a good, you know, you can get in Put a stop and it could get pumped up again Some of these stocks have multiple lives It's free T2 I Fucked that one up guys I'll talk about that Alex is not around so I posted some P&L's on this Alex's back. I'll stop posting Basically we trade the process Instagram this phone is so stupid. I Gotta keep clicking the screen once in a while keeps thinking I'm not around and what's the freeze up? But yeah, we post these P&L's not too brag like some of the other guys But to show you what's what you can do realistically As a trader trading like a $50,000 account We're not trading like $4 million account like these some of these guys bragging about being down a million dollars They're making it back and then how good they are.  They have four million dollars in their account.       I am like some of these motherfuckers.         The markets are choppy right now. The markets are choppy.  This is a normal cycle guys The mark has been up for 12 straight years bull market straight up Look what's going on. I don't want to look outside the world, but the world is getting to be a fucked-up place guys The money is going to stop flowing into the markets guys. I'm telling you guys right now What's gonna happen is this? You will have huge volatility Huge opportunity the ones are prepared is going to clean up This is what they want.   Right? Are you with me?    But anyways Couple items couple items Welcome to 2021 guys 2021 every year presents an opportunity in my opinion. This is just my guess.  It's gonna hit the fan The market's going to be choppy as hell in my opinion the good times are over for the guys that are buying and holding Look at Bitcoin Bitcoin exhausted itself now a tank and people are getting pissed off anybody that's chasing Bitcoin at $40 I don't know what to tell you man. So you think about it logically This is my opinion of Bitcoin you missed the boat.      So this is this is the revolution we're in guys and you know what man?  I'm tearing out.  I love lockdowns guys.      It doesn't matter what it is But trading is what made me get there and that's all I can teach You know, so I talk about training a lot because it helped me.   I'm not a master poker So I'm not going to go around teaching poker. The only thing I can teach is how I Got there and if and I'm a real motherfucker man I came here with nothing and look where I am. I'm not the best I'm a normal guy. I drink a lot at party a lot.   So that's why I want to get off it.     That's why they call it hard to borrow And so you have to pay a lot of money to locate them an example is You can pay two cents for a two dollar stock that is basically so the average is probably like one percent So there's a 1% fee to borrow the stock okay, and What happens now lately is there's a lot of stuff that's easy to borrow the reason they're easy ball because they hire float They're hired float. You see a hundred million share float of these stocks and they're easy to borrow because there's so many inventory around But then this is this is the thing this is why I like a call.  It's ETB right ETB stands for easy to borrow That's why you do not need to pay to look at locate that because it's so abundant.  There are more buyers and sellers The reason it goes up to crazy lengths because of a short squeeze and Because if everybody's on the same side of the Stock everyone's buying bye-bye-bye, and then when they sell they sell to sell.    I'm fucked. I'm fighting I'm fighting with Alex. I'm fighting with other short sellers to to close my position.  And so that's why a stock without shorts Will not squeeze up it will squeeze up temporarily until all the suckers have been exhausted and then when the sell comes Boom the craters. That's why you see these chat rooms are pumping dump and there they there are pumping socks that have No shorts in it. And how do I tell that's no shorts easy you join MIC?  What happens if you break?  It's from the short sellers. The short sellers are shorting all the way up They are looking to buy to cover to get out and that's where the short selling Squeezes the stock up guys. So when I see easier borrow stock, what do I do first? I look at the float and there's a lot of times that the flow is very small even like Five million shares and for some reason it's easy to borrow I'm not going to talk about why is that that's Clearing for his fault because a lot of times they've done a recent reverse split princess If they did a reverse split the the the float Is not accounted for in the Algo, you know the Algo because there's so many shares out there guys There's so many stocks out there You have to have them, you know, they're not updated in real time the the share account the OS count Outstanding share account all that stuff.  So how do you trade easy to borrow or I call it easy to blow up stocks?  That's the price of most of the buying the average that are buying and selling So a very good way to see who's trapped is to look at the VWAP. It's the stock above or below All right, and you know if so if you are a long biased trader and You're in at $2 and now the VWAPs of Freakin me see If you're in at two bucks And now the VWAP is at four bucks It means that most of the people bought at four bucks. You are good man. Why would you a sell?  That's what I'm saying It's all the supply and demand and but the key thing is this guys This is what I'm gonna reiterate again people always think that the key buyers are Longs no the key buyers are shorts guys Think about that if you're long you're looking to sell you already bought you already bought unless you're greedy as they keep buying buying But most of the guys I bought moms and pops and grandma. They're looking to sell they bought already they pop it up They're looking to sell so longs are natural sellers Shorts are natural buyers because they keep shorting. They want to buy back and so the moment that there's no more sellers in the game I Mean no more buyers in the game. That's when the stock. It's the plateau at the top.   They just max pain.   So when I look at easy bra the first time look at it So the process they might see teachers. Okay, very quickly when I see a scanner boom a stock move up I type it I type it to fin this I Look at the shorts. I Mean a lot of shorts on the float to see what the float is I type it into my my trading app app to see the availability of The short locate borrows if I see easy to borrow or some fucking a million shares at two millies Which is essentially free.       You probably have to watch this video like maybe five times to understand this Join M. I see we have all this on video, but the key is to float rotation and look at the float guys Any questions Questions there Let me see let me take a look at the comments here So we have a process guys the process is a check and balances and a bunch of rules that keep you safe Okay, and so basically I keep taking this half of the work. It's picking the right stock to trade Okay, you picked the wrong stock. You'd be fighting all the time Let me see if we can get anybody on split screen If not guys, I'm gonna end it very sweet the short here Any questions guys? I'm gonna take questions here because I'm afraid to go split screen because yesterday was an audio issue And if there's an audio issue, I'm just gonna bail out Once again guys you a lot of these videos These words may seem like a foreign language trading is like a foreign language And so sometimes you have to watch it over and over to understand there's a lot of nuances guys and then you know When you're starting out you watch a video you you may understand 10% and then maybe three months down the road rewatch that video There's a lot of nuances.  I didn't pick that up the first time because I didn't know what to do, right? But trust me guys Three months That's that's why I think three months is it's basically the bare minimum that you should invest your time in education Because after three months like foreign language you immerse yourself and that's what kids are so good at foreign languages and adults are not Good question. How do I know what stock is easy to borrow? So there's a so I use DOS trader, but other people can use trade zero.  I was that movie?       I always say paint the picture guys when you trade we have videos on this Paint the picture of the trade understand why the stock is up if I do not understand why the stock goes I'm very hesitant to enter the stock till I figure out. Is it a pump? Why is it up?    That's what you need to stop start putting in hard stops All right What else guys? Maybe I Couple more questions and I will bring one person if you want if not we'll end it here and get back to MIC help Senator deviations of you up. That's nothing to do. Basically. I call it deviation how further away it is And so the further away the the VWAP is you know, it's gonna take a long time to unwind I call it unwinding the position is that you're stuck. You have to unwind All right, I want to take one last question. Which is a good question overcoming fear How do you overcome fear fear comes from the unknown guys the unknown when you are When I am because every time you enter the stock and you're fearful That's because you're thinking you're gonna blow up. You're gonna lose a lot of money How do you overcome that before you get in it's when you are most clear-minded? That is when you're not Married to the stock you have no position. So you're you're you're logical. You're not emotional So during that time plan your entries plan your exits and people don't understand exits include two things for a profit and For a loss so for a loss we call that a stop So before you enter the stock, you know, you should know ahead of time where you're gonna take the loss So put in that hard stop man. If you're not putting the horse up.     Why should I be scared if I'm still scared?    You know what teams are win usually the team with the best Defense wins defense wins and that's what today was for guys I talked about in the room today for me was defensive trading because when I woke up today there was not many not many obvious big setups that I like The ones that are set up like TTOO the range was only 20 cents So it was iffy so I did not size up on that so today. I told my guys I am playing defensive and being defensive.   I will strike like yesterday made 12 grand You know today made five and a half thousand so far So, you know man, it's these are small numbers relatively the guys are doing a hundred thousand dollars a day But those guys have four million dollar counts.  I'll do this again I'll do this guys I'm feeling I'm feeling happy Text Tosh Tosh. Where are you man? Text Tosh? Text Tosh. What was she text? Monk M-O-N-K because people are afraid of losing money, right?  I'm telling you right now man.   I'll see you


Your coca-cola bottler presents Claudia Claudia based on the play and novels by Rose franken brought to you transcribed Monday through Friday by your friendly neighbor who bottles coca-cola Relax and while you're listening refresh yourself Have a coke and now Claudia and see about my hat good It'll just take me a moment my sweet and then we'll go to the hotel for a couple of hours. I'll be fine Norton good afternoon. We've been expecting you good afternoon miss Eleanor I've been trying to get down here for weeks. This is my sister-in-law. Mrs. David Norton.  You're looking very well, Mrs. Norton. Here's an ashtray. I'll tell mr. Rowan You're here. I would appreciate it's coming right over. I don't hardly see any hats around You don't where I get hats. They're all over the place. Well hats are mostly made to order here Claudia why don't you get yourself a hat this afternoon get one here? This is the best place in New York Roland and Francis have a superb winter collection, but I don't need a hat. I've got a hat which you're carrying in your hand That's why I always wear them. That's where they look best on me It's a very nice hat that you can always use another I Hate to ask Julia, but I they're not expensive here at all for what you get. It's the cheapest place in town.  We'll ask mr. Roland what kind of hat you want.  Oh, Mrs. Norton one moment, and I'll be right with you, Mrs. Norton Julia I am not going to buy a hat. I don't think I want the kind of hat I want well, Mrs. Norton you're looking marvelous simply Marvelous thank you. This is my sister-in-law. Mrs. David Norton. Yeah, how do you do so pleased to meet you? Well now happen There were kind of hats every kind of hat I've got one special one that will look drenchingly lovely on you really Drenchingly lovely. I don't think I'd mind that all it sounds like a rain hat a rain of inspiration perhaps Now Mrs. Norton the model for this hat is in pusher and mode But I shall have it made for you in sharp shirts and I'll it much better for you as you say Of course the young mrs. Norton here could wear the future and move, but I'm not buying a hat Thank you, but you're making a fearful mistake. Well, I shall fetch it for you You're really going to love it. How much do you think it's going to cost Julia? Oh between 85 and 110 what? Yes, that's right Heaven's sakes That's a third of the price for having a baby. Well, you can't compare prices that way my sweet Why not it's the same money isn't it? Well here we are.  Norton? You should be very gay New York in the winter just cries for this hat here. Let me put it on for you You're sure it's not too big a hat for me too big if anything Too small. How do you like it Claudio? It doesn't look like a hat at all. And what more could you ask of a hat than that? Well, this is not just look at yourself. Well, yes, I see what you mean Really it is if I must say so myself. It is Stunning yes, but how many things have I got that I can wear it with this hat with everything With nothing it would dress up a hat rack. Oh, yes, that is your hat. I like it. It's very mad What else have you got? You may keep it on mrs. Norton. Yeah, I'll be right back I want to glean the shelves and ransack every nook of inspiration for you, but it'll just take me a moment All right, don't hurry Well, Claudia you haven't said very much Don't you hate having someone put a hat on for you usually, but I wouldn't know how some of these hats went on otherwise Darling, why are you here? Are you sure you don't want to get a hat? I'm sure David would love it I don't think so David wants me to wear a sunbonnet.  Isn't that what milkmaids wear? You don't look the least bit like a milkmaid and don't let that husband of yours tell you that you do It's the farm Juliet Eastbrook David wants to buy it. Oh, it might be rather nice to have for weekends Eastbrooks are very chic community. There's Nancy Riddle, of course and the frosts and the frailing hyacinths, but Julia This isn't for weekends. It's for good Bury yourself in the country at your age. Oh, Claudia. You mustn't let him do this in the first place It's probably not a good investment buying at the top of the market like this. Oh Why don't you have David speak to Hartley about it? I'll discuss it with Hartley tonight and tomorrow have David call and they'll lunch together and Well, that may settle everything. Oh Julia that would be wonderful. You don't know how much I appreciate this. No sense It's nothing at all. Men get this way my dear. All they need is a little sense. David's sensible except for this. I Suppose he wants it very much You know, maybe that's why I sort of not tried to talk him out of it I guess only I didn't know it till now because you love David so much. You mean Well, darling that love is fine, but you can have it in the city too Hartley will settle everything tomorrow. Well here we are if you saw these hats one at a time You wouldn't think that could ever be another hat was beautiful.  So how could it be nothing yet? Oh, I don't quite understand. I do Mrs. Norton wouldn't your sister-in-law like to try on a little hat Mrs. Norton your sister-in-law would not this hat Is the only hat in the entire salon that I would recommend to you the only one? It's just right for your features It'll emphasize the ephemeral quality of your beauty really well Go on Claudia try it on you need a hat and when David sees you in that he won't try and stick your way in the country Maybe that is a good idea and this hat is only 66 dollars a special price for Mrs. Norton's sister-in-law 66 dollars So little well frankly we're trying to lure you into buying all your hats here And of course you understand that for 66 dollars. I mean this isn't really an original But it is one of our best models. I meant so little the hat not so little the money You should wear little hats to match the tilt of your nose go on well and try it on well I'll try it on no harm in that just to permit me, but if you don't mind. I'd rather do it myself But of course some ladies must do it themselves, but you're going to love this Mrs. Norton I should think all that tool and that large bow would be very becoming do you Claudia How do you like it stunning? Oh really stunning here, but that's not yet. Yeah, but that's backwards Back to front you mean I am wrong But it's so very becoming like that But it's beautiful Perfect just like that From now on it must be worn backwards all hats with bows in front must be worn with bows in the back Why is it inspiration a whole new flood of inspiration? Are you sure it looks all right Julia? I didn't think I'd look like me at all. It is the wrenchingly beautiful Till I guess I better not get it. It's too expensive too expensive You shall receive it as a gift. I give it to you You wear it backwards and between you and me we shall start an entirely new vote that will sweep the country It's a gift. Oh, I couldn't go on take it my lamb with all my grateful. Thanks. The hat is yours. Yeah backwards always backwards Been home for an hour. Where have you been? Lemon or cream sugar. Hello, David. Hello sugar. Oh You you haven't been home for an hour at all. What do you mean? I haven't your ears are still red from the wind and your cheeks are cool Nice, what's in that box box the box. You're not carrying in your left hand. Oh that box It's a hat but your hat is in your right hand. That is my old hat. Now. We're getting someplace You bought a new hat. Well, I didn't exactly buy it. Not exactly You see I met Julia at Rowland and Francis. Who are they? Hatters mad Hatter's I really David they charge one hundred dollars a hat. You mean each hat put it on Put it on Doesn't have to look good. I didn't pay for it. You didn't then I was given it to lure me into being a customer Are you kidding? It is a joke isn't it? You took that hat under a false pretence That's not the only reason it was given me because I started a flood of inspiration when I put it on sounds wet and because I'm Drenchingly beautiful it sounds very wet. Well, I like it whether or not you'll think so Drink to me only with thine hat darling put it on really curious, aren't you? It looks nice We'll go down and pay the man for we'll do nothing in the store. It was a present. He'd be insulted David one thing first what now am I never going to see this gift horse of a hat I told Julia about the house in Eastbrook. What'd she say? She thinks she knows the place If it's an old salt box, it must be a beautiful house. She says Julia has excellent taste. She liked his hat, too Just remember that Anyway, Julia would like you to talk to Hartley before you do anything about the house. Why? Because she says he might have some very good business advice to offer you. He knows a lot about investing in real estate David the farm is a real estate isn't it? Yes, darling. It is a real estate I'll call Hartley tomorrow and lunch with him no harm in hearing what he has to say. Would you be influenced by my mind? To load off my mind now. I'll put on that.  It says when you see me in this hat, you'll even change your mind about the farm. Do you want me to? Don't worry. Nothing will change it now that I know you want it, too. I Don't think you're so smart after all Yeah, how do I look? Well, what's so funny?  It's it's silly It'll scare the daylight out of the cows not for the cows David. Don't you like it? Well, well, of course, I like it. You look wonderful very glamorous. I do Like a Christmas tree.  Why? Claudia you've got that hat on backwards backwards is front words for this hat. I beg your pardon. Backwards is what started the flood But I think you've got it on Backwards back.  All right now I Careful David, you'll knock it off. Who cares about a hat Not me darling Not me This broadcast of Claudia was supervised and directed by William Brown Maloney The friendliest house on the block is usually the house with plenty of coke in the refrigerator That's the house that kids like to stop at the house the neighbors like to visit Yours can be such an inviting hospitable spot if you keep the refrigerator well stocked with coca-cola You can still get this matchless way to hospitality for only five cents Mighty little to pay you'll agree for the pause that refreshes Every day Monday through Friday, Claudia comes to you transcribed with the best wishes of your friendly neighbor who bottles coca-cola So listen again tomorrow at the same time And now this is Joe King saying olive wire and remember Whoever you are whatever you do wherever you may be When you think of refreshment think of coca-cola or ice-cold coca-cola makes any pause the pause that refreshes


ere coping Monaghan then brought on a few subs and they were sharp in the forward line and I suppose if you look back at it Jamie Brennan hits a crossbar one more level you know and that goes on in my three points up we have something to fight for Greg and there's a possibility we could have got something out of the game but after that Monaghan took control six points in a row was really the death knell for the first half yeah the subs made the difference can we read anything into that in terms of where we're at now as compared to where we'll want to be later on in the season and Monaghan it seems to be the strength and depth of the Monaghan team is what was their advantage we didn't have quite the same quality and I mean that with no disrespect to spring from the bench is that going to be a season long thing or just a happenstance of where we're at now? well listen McBurney's injury is probably big it takes a man away so you've got another man down that would have maybe come in from the bench obviously Oshin Gallan and Langan were back big pluses and Womban was back I think going forward we're not bad, we've big memory in midfield we have something to work with here I just think at the back we have real issues man for man and having a structured defence we really need to get our act together at the back in terms of being able to tackle and being able to work as a unit we're just wide open at times I mean looking at the points last night I wasn't in Clonus because I was in Wombag and Saturday night doing the dairy meat game so that did me for the weekend as far as we're going to a game so just looking at the points man and kicked last night most of them were completely unchallenged we're not even near our men when they're kicking the ball over the bar we're so wide open and the worrying aspect from that involved maybe people may be asking now but it's not as if are we going to get relegated? what's the matter? we're going to get relegated and because playing the way we are there I'm looking at dairy now I know they're in devising too and they could go listen, dairy would absolutely destroy us if we played like that you know they have a proper rigid modern football team and they've built a system around that are we in transition then? is that the problem? we sort of in transition but I mean even not just in terms of the personnel but in terms of the identity as to how we play a transition from maybe trying to play a bit more freely compared to where we were at and then maybe that requires particular emphasis on defence or what have you or are the players just not there and in fairness in terms of the defence this is something you've been talking about for quite some time you didn't just come up with this since yesterday so what is the fundamental there is it personnel or is it the transition in style? well I think first and foremost obviously a transition going on there particularly with our defenders and you know you look back at their best team this last 20 years obviously the Ireland team I mean each one of them individually were top top drawer and then collectively as a unit then they were protected by nearly the whole rest of the team so you don't think all became this serious counter-attack and force that were able to man for man handle the role then but also then they plugged up gaps in this unit now if you look at us now we want to be putting those teams against each other but man for man none of our back six as I can say can really handle their opposite numbers and then we're not in any way protected then we seem so wide open at times so it's early days in the day I don't want to get too heavy on what's happening here your big fear is that the two teams that's beside us at the bottom of the table through on morning have both beaten as well in the last couple of weeks now well there's some kind of magic in our home couple of home matches where we pull it out against Galway next weekend they're getting it and the home crowd does something we've seen it in Val-de-Faye so that's the thing that you're clinging on we happen to have beaten Kerry they were well beat by Mayo and only beat Monham in between times that's why the game yesterday was saying this and could Monham is a game we target they ended up destroying us at the end of the game so we're looking now at your couple of home games Galway and Mayo and saying is there something in that bit of magic that we can get a bit of a lift from that that could maybe get us the points to stay in the division but at this stage them teams will be looking at us here there's some handy points does Ross Kalman deserve a bit of special mention yeah certainly great great story Ross Kalman Yo-Yo team you know in the last I suppose all the success we've had Donny Gall sometimes and you know we've had such a brilliant run competing in all their finals and been up there in the top divisions I mean that Ross Kalman team in the last 11 years have been right down the division 4 they've played in the 4 divisions and it's something that a lot of people we were so used to being at the top all the time that that's the journey that they're on but certainly yeah I mean people had them up for up for relegation because they kept going up and down up and down fantastic start for them and great to see their football mad county so listen if they can keep that run going of course they're always trying to climb into that top 7 or 8 team level that they compete in the championship so this is great great build up for them and Galway yeah well Galway had a load injuries at the weekend Greg and the fact that they were really overturned to their own sometimes just like playing other teams Galway always seemed to be able to mix it with their own but they were in that match with like from their forward line last year they played in all their finals only two of them available so they had a raft of injuries and their two best players was injured but they're still able to do enough to beat to roam which is a bit I suppose we were scary from our perspective that they're able to do that and of course I don't want to leave this thing a letter Kenny we don't seem to get the results we were quite a letter getting it's always a ball of the fey jeez boys are so you're still so superstitious aren't you I'm not superstitious I know for some reason we seem to save one of our worst performances listening to it we've no room for that we've got our backs to the wall listen this now a bit like Monahan yesterday we had two points they had known if we beat them they're relegated so there was a tremendous amount of pressure on them but in many ways I think the same way they had under Derek Kenny that is an absolute must one if we're beat we're basically you know we're not going to relegation yeah indeed you are going to be chatting to Monahan's Paul Finlay as I mentioned and Kevin Cassidy two top guys too so that's going to be an interesting chat also chatting to Mickey McCann he's having a convo after a defeat but it's the first league defeat in Division 2B Mays just getting the better of them yeah and Dunnigall competed well in that game you know in a game playing in a really high level league there Dunnigall have stabilised and at one point they struggled to stay in over the years they might have got to 2B a few times and they weren't able to cope but they've been there now for a few seasons Mickey McCann work on wonders and this Mays just pulled away on them there was a big breeze in the game and Dunnigall came back with a couple of points in the second half but Mays pulled away on them in the last quarter and showed real fitness and drive but listen that was a way game Dunnigall had 2 out of 2 so still a great start to the league season for them yeah I enjoyed the commentary from Oshun and Martin yesterday I like the insight I think Martin early on in the conversation says you know Dunnigall playing with a breeze behind them they'll need a 4 point need at half time just that kind of little thing that said that helps visualise a game I thought it was a credit where it's due you mentioned you were up at Derry on Saturday watching Derry Meath sorry in Dunn Given I might get really correctly we're impressed with Derry you're looking at a side that are to be contended with let's put it like that yeah this isn't good serious mix of talent and they obviously had a minor all early in the month a couple of seasons ago and there's a few players starting to come through from that as well but as a unit great they just were so solid Meath Meath looked like a junior team playing against them the naivety of Meath was unbelievable and I don't call them rogues come on me he's a throwback to an older generation and a style of playing that he wants to play which is fair enough and I commend that but against the team that Derry you know you'd have to say Derry were on the All Ireland semi-final last year are they a top 4 team a lot of people made a question that because they lost the semi-final fairly badly up front but they're coming back this year with something a bit different you know they've young that McAvoy and the fallback and the Lion Brand the rogers they play up the pitch all the time and then inside they've bereft of scoring talent now and McGwigan actually was probably one of the quieter ones last night but that said Meath never made a glove on them even though they were dropping players back they weren't able to man for man pick up the prayers and they had no sweepers or no proper system of defence so Derry absolutely went to a counter and the funny thing about football is a lot of people are balling that as an interesting game you know Meath had won their first two games Derry had won their first two games Derry absolutely destroyed them so I would say it was a sobering trip home for the beat lads but certainly from a Derry perspective they are on the up and up and after last year's success the tricky second album sounding pretty good so far this year we'll see how it affairs right the DL debate an association with Sarah's Kitchen at sister Sarah's letter Kenny on air live after seven as I mentioned looking through the football with Paul and Kevin Micky's on the show discussing the GEA and everything else that you normally expect from the show as always thank you so much for your time we'll chat to you next Monday take care alright Brandon that's Brandon Daveney there Dev 08 660 25000 WhatsApps and texts maybe silly for me thinking this but if DJ Kerry told us how he secured the deals other could try the same procedure that is one option maybe you can open a consultancy firm you can pay him to find out ancient saying if you owe the bank a thousand you're in trouble if you owe the bank a million the banks in trouble adjust for inflation and although the public pulled out the banks from bad decisions and bad financing the public are not afforded the same which I think is a really good point there banks are partly to blame for people getting into debt if you have a credit card from them you don't use online you only get a statement every two months so if you miss a payment you get a late payment fee added to the next payment which affects your credit rating let us see any more on that Greg how dare Bertie Hearn slither back into political life in Ireland and Mr. Blaney lighting his way it really is a disgrace honestly in this country so bad now only the thing for it is to double down instead of clearing the swamp listen I mean Bertie Hearn would argue that he never left politics that has been involved engaged in politics meet with groups in the north and internationally and what have you what he actually did was rejoin the Finafall political party I'm not sure if that's getting back into political life as such but anyway listen come here we're not going to sort that out people have their opinions and I don't think at this point on that man they're going to change Hi folks Paul McDevitt here inviting to join myself and Jimmy Stafford this Monday night for another edition of the Monday night sessions I'll show this week we welcome back our good friend Brie Carr dairy singer-songwriter Noella Hutton will also be poppin' in for a chat and a few songs and we welcome back from an issue on the Terraways so that's the Monday night sessions this Monday night between 8 p.m. and 10 p.m. right here on Heidel Radio 60 seconds to plump her skin almost 9 out of 10 women say they have dehydrated skin New Generation Hydra Essential from Clarence formulated for 24-hour hydration it helps skin naturally boost its hyaluronic power by day it hydrates and plumps at night replenishes moisture levels hydrated skin is radiant skin visit your local Clarence Stockest for a complimentary skincare consultation and Hydra Essential sample while stocks last Clarence for over 20 years Carzone has been the trusted name in Ireland's Muldering Marketplace bringing one 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We are now offering MyCU current account and debit MasterCard bringing full banking features and competitive rate switcher loans OK, you're very welcome back to the Ninetal Noon Show on the program on Monday focus now we're going to be talking about things wills and to help lead us down this path is Gillian McGuff associate slister at Macklehinney and associates in Strenaller Good morning to you thanks for joining us Good morning Greg how are you? Good it's great to have you on the show and this is one of those issues that exercises people an awful lot I mentioned we have a regular slot here where we talk about legal matters a lot of the questions are about wills a lot of them after the fact very few questions so is preparation planning and understanding is that the key to avoiding as many issues as possible after the day yes Greg it's very pertinent so like state planning I suppose describing what it is first state planning is putting a plan in place during your day now while you're alive and well and have capacity to deal with all of your assets and your affairs for both during your lifetime and after your day so I suppose the most basic form that everyone would be familiar with is a will and a will obviously you know it speaks from death and it deals with the distribution of your assets after your day and you nominate who is to inherit those assets after your day so that's the most basic form of a state planning most people would be familiar with that and it's extremely important that people do put a will in place but we struggle to overcome a lot of us a lot of people out there clearly some of us are just tardy and don't do but others think well I don't really want to talk about and I think that is what the blocker is for a lot of people it is but I think if people are aware of the consequences of not making a will that might be the big push to bring in them to the office to make a will so I suppose the most important matters that people should be aware of if they don't make a will is really they've lost control of the assets and how they're distributed after their day because the succession act very stringently sets out who's entitled to the estate if there's no will and those are persons who may not be your intended beneficiaries after all not only is that loss of control in who's going to benefit but you've also lost the chance to tax plan that succession and transfer of the assets particularly if you find you have a big there's a business asset or a big farming asset valuable assets and they then end up in the hands of beneficiaries that you never intended yeah but I think particularly with the farming one let's use that as an example or a business one I think people don't want to open up a can of worms whilst alive you know say everything's working out well do you know what I mean and everyone knows their place and everyone's getting on well you know then if you start sort of getting people around a table to talk about what you might want to happen after your death I'll be afraid that maybe you know a particular person in the family who's very useful around the farm might think well you know well I'm not getting enough I'm not you know do you know what I mean do you think there is I think the IFA actually had a meeting on this song and go there's a fear that if you start opening up the conversation about you know big assets that it could cause problems whilst you're alive actually it's the one thing I do advise clients to do is have that conversation with family members do have it because then you'll know whether they do have an interest in that asset or not and most people surprisingly maybe the children don't or use the farming asset that maybe one person is farming you know and has given up their whole life and you know to farm the lands and you mean if you don't plan it the tax consequences as well can be extraordinary for some beneficiaries Can you talk a wee bit more about that about the difference between taxation tax implications and when you make that will or if you don't make a will So well there's tax consequences either way but you know if you don't make the will I suppose the beneficiary inheriting has a tax free threshold and that very much depends on the relationship of the beneficiary to the person who's passed away so the largest tax threshold is 335,000 and that is from a parent to a child or you know it can be actually from a child to a parent in certain circumstances where the child made a predestination and that seems like a huge tax threshold but it may not be if the farm asset is worth a million euro or a business asset thereabouts and then the next tax threshold would be you know a brother sister and his nephew grandchild or you know another lineal descendant like that that's 32,500 it's not particularly generous Just in relation to what might appear generous on the face of it because there's cash rich I suppose and there's asset rich but these are assets that you may never intend of liquidating and then you face with the bill on those so that's it and that's where the beneficiaries find themselves in difficulty I mean who has the cash readily available to pay the capital acquisitions tax I should say that those thresholds are what you can inherit tax free anything over and above that is taxed at 33% so it's almost a third you know and what happens is the beneficiaries find that they have to as you just mentioned liquidate and sell the asset that then can lead to disputes and disgruntlement within families seeing family businesses family farms having to be sold which would all have been avoided if there was a will in place with the intentions of the test data set out very clearly and even when there's a will in place there are tax incentives there that can be examined if you like so for we'll touch on the agricultural lands again there's a sizable relief there on agricultural capital acquisitions tax so where the beneficiary meets certain conditions and where the asset passing is a certain asset there can be an agricultural relief it's a 90% reduction on the market value so you know it's only 10% capital acquisitions tax for the beneficiary but obviously it has to be planned and there's certain conditions there for a beneficiary and and the asset passing similarly with a business there's also a 90% reduction there it's in the taxable value of the CAT as long as it's a proper business asset that's passing and again the beneficiary can meet the conditions now you'll often find that the test data are coming in if they're armed with that knowledge they can almost prepare the beneficiary or the beneficiary can take active steps to try and fit them all if you like and I think on those more complex matters you really need a broader consultation don't you with the likes of yourself because there's a lot to tease out there can I give another scenario then so let's just say and I think this is probably more representative though we are a very rich agricultural country county in terms I would say rich I mean in terms of how many of them you are right but so say I am married right with four kids two girls and two boys right what happens if I die without a will in that scenario who gets what so you're married with children two boys and two boys two girls you make no will so it's two thirds passed to your surviving spouse and one third of the estate then among your children which divvying that up would be complicated of course it would be complicated then you find you might be minor children and then the spouse has to take it as trustee causes all sorts of difficulties and tax consequences I make a will now right but I don't want my eldest son getting anything because he's a bit of an Egypt let's just say hypothetically right so what can I do in a will can I literally put what I want exclude the eldest maybe exclude the youngest because I don't like her husband right no just say hypothetically I don't have this family settled so can I say right I want it to go to my wife and I want it to go to the second oldest son and the oldest girl but I don't want the other two getting anything can you do that in a will if you wanted to yes well let's just start by saying you know it's your will and to some extent a testator has what's called testamentary freedom to some extent so what you're talking about there is disinheriting a child so it's a section one one seven in succession act right so that child where they feel disgruntled can come back into the estate and make an application that they were not provided for in the estate where they feel their parent has failed in their moral obligation to provide for them either during their lifetime or after their day so then you know I would try and ascertain from you well what provision educated did they have an expensive college education did you provide them with a lump sum were they given a site to build a house that is provision you know and then just you choose to not leave them out of the world is that the reason you're leaving them out of the world because they've already been provided for or are they simply frivolous with money and they're irresponsible or do they have an addiction problem all of that is very important my questions was quite extreme but it was your role really to do this correctly is probably more important than just a being a witness or whatever it might be that you're a checking partner okay get you right alright good stuff so in terms then of making a will yes what what do I do I'll come into you make an appointment come into me and I always tell people if you can gather together a schedule of your assets put together you know I don't need to know money's worth just let me know investments, business assets caravan anything anything cars you know holiday homes dwelling house and then I take a list of that I'll take a list of any liabilities all accounts too because I think often sometimes people don't log little accounts that they might have here in there that said well if you think of it you know as basic as God forbid something should happen you and your loved ones are left behind how are they to know what you own and where it is give it to your solicitor who will have the schedule there and will know where your assets are and it's a good start point then for after your day for your executor to be able to identify where the assets are and gather them in you know so that's what I ask people to prepare come in sit down let us know what it is you think you want to do and then we can get them people be nervous coming in they do I think people in their mind and I don't have equated to going in to adopters it's quite a morbid thing to do I think it's in that space it's uncomfortable because you have to bring your mind to an uncomfortable place particularly if you have minor children Greg I don't know if you have children but people fail to see that if they have minor children then they should really be making a will to provide for the minor child God forbid both parents are in the unthinkable catastrophic accident leaving minor children behind I mean your will allows you to appoint a guardian of those children and trustees for those children and the fall back position is if you don't appoint them within your will testamentary guardians and trustees then in the event of competing interest among family members as to who should take them it's a court application and who wants to do that you know every parent would want to make that decision themselves as opposed to a court judge and even your your language and how you're saying it incredibly sensitive but the reason we have to talk about it is it happens okay the worst happens it does happen it doesn't happen all the time thankfully but it happens and it's happened to people that we're listening to and you know I think that's a really important one you're talking about when it comes to younger children particularly and I mean people often think I don't have any assets you know I don't have an estate well if you have children that's as much in the state as you need for sure okay so I presume this is across the board and not necessarily unique to your practice about the three levels what is provided okay so I think we've talked about the basic will with title review where I go in and say I've got a house and I want to go here is that what that is okay so then when it comes to tax and title review is that when you maybe have numerous properties or you have land numerous properties or sizable estate or land as you say or business assets that could really warrant tax advice for the disponer or the test date or the person making the will often the state planning can be lifetime transfers as well as leaving under the will so it may be more beneficial for the testator to transfer during their lifetime and also for the beneficiary to receive it particularly if they can fit them old for the taxation reliefs and the stamp duty reliefs and all of that you know so say I wanted for whatever reason to leave a child the property right but I also wanted to live in it until such time as I you know yourself would that be part of a will or part of a visit to you that legally locked that in can that be legally locked in or could the child get some notion and say right I've got it in my name now out you go pops you can do a voluntary transfer so during your lifetime and what you're talking about there is called an exclusive right of residence so the parent wants to transfer the interest of the property now to the child but they're going to retain what I call an exclusive right of residence so only they can reside there for the rest of their lives that can be done yes right talk to me about a power and then now of course then the full estate plan I think is much of what we talked about bells and whistles yeah is the power enduring power of attorney an important element to that that needs a particular mention it is you'll recall at the very start I said an estate plan is dealing with your estate and affairs for both during your lifetime and after your day so the power of attorney is the during the during your lifetime aspect so what it does and what it allows you to do is to appoint an attorney and a trusted individual and to make your life decisions if you like in the event that at some point in the future you become incapacitated that you cannot do it yourself well listen there's questions coming in along those lines so it does so that is someone that the enduring power will be half whilst you're alive if you lose the capacity to make those decisions and the important thing is only if you lose capacity yeah and so it sits there sort of like an insurance policy for you that you have a nominated individual nominated to make those decisions for you can you have a succession within that in that let's just say let's just say I did become incapacitated and the person that I've entrusted to look after my affairs themselves succumbs right okay so what you're talking about there's a substituted attorney and the document does allow for as many attorneys so if you wanted to and then two substitutes okay right good to cover that as well again don't want to talk about it but these things happen right okay we're in the company here of Gillian McGuff associate solicitor at McElhenney's and associates in Stranauler so we've covered quite a bit of 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union has become aware of a text and email scam claiming to be from credit union stating that accounts have been placed on hold and asking the recipient to click on a link to verify their account if you get such a text or email please do not click on the link similarly if you receive a phone call requesting your credit union details or suggesting your account has been scammed immediately if you are in any doubt about any message you receive in relation to your credit union account please contact your local credit union directly Highland radio weather updates with Ireland west airport fancy a European city break this summer discovered the beautiful cities of Barcelona Cologne and Milan with Ryanair six flights a week for summer 2023 Ireland west airport don't just take off take it easy okay rather cloudy with scattered outbreaks of rain and drizzle relatively mild for the time of year temperatures 11 to 13 it's easy to right we are in the company of Jillian McGuff associate solicitor at McLean he's an associate so before we get into some questions maybe the default position when people ask questions and I'm not saying was mine was that we're talking about a married couple right so does any of what we've talked about change in terms of cohabiting couples which is more and more common now or even mixed couples yes for example so maybe two men are in a relationship cohabiting has the laws and their rights you know if they caught up to that of a man and woman married or cohabiting for example no so there's huge differences there and it's a huge area that needs to be explored and properly put in order if you wish to benefit your cohabity firstly I should say the cohabities are not automatically entitled to any share in the estate even if there's no will so if you pass away without a will your cohabity is not entitled gets nothing and you may have a situation where people are cohabiting but yet we're previously married and may not be divorced because of the costs of divorce and could be cohabiting for 10, 20 years in a previous marriage still sitting there if they die without a will there in those circumstances the spouse is still a spouse for the sake of inheritance imagine there can be a great deal of challenge that too because the cohabitant might say well I've invested such and such and we put this kitchen in together and we did that extension and then the wife or husband might say well we build that house together and half of that's in my name so I think actually that's really really really important area that people need to get on top on because society's changing now and the laws and what have you aren't catching up as quick with the money in the estate and cohabities if they are benefiting under a will and you want them to benefit under your will the second thing you need to be aware of is that they are strangers in blood as far as the revenue are concerned they are not family members to you they are strangers in blood so they get the lowest form of tax-free threshold allowance which is 16,250 alright so they are in a difficult position they are trying to benefit each other on their death but there are measures that you can take to try and counteract those tax consequences that can be catastrophic there so good financial planning is what is needed there for cohabities there are policies that you can put in place now I'm not a financial advisor but I do know of these policies on the life of another so the cohabities would take out a life insurance policy on the life of the other pay the proceeds or pay the premium out of their own bank account what that does is on the death untamely death of one of those cohabities the premium is paid to the surviving cohabity tax-free so the full premium is allowed to be paid tax-free because they've paid the premium on the life of the other and that money then can be used to set any capital I don't to some extent I've probably thrown a cat in the works and we're not going to get it all sorted and cleared up today but I think what we've done is we've highlighted the importance of actually maybe people who are listening to this in that situation I never thought about that and then they can get in contact with the likes of you and start sorting it because I think and it can be explained in more time we have can the executor if it will also receive something under the will yes in fact I think it's more beneficial because then they have a vested interest to come into you to do the job to get the estate tidied up and ultimately they'll benefit themselves so yes you can what does the word probate mean? probate is the process of administering the estate after the person is detected so lots of questions we get about the will's been such comment fast-tracked it depends how efficiently worked at the file the probate is you know but what I will say is the executors are allowed 12 months which is called an executors year to gather in the assets and the liabilities and to determine what's in the estate after that you would be hoping that you can have enough information to submit all of the information to probate your hands are then tied to some extent when you do submit it to probate the current waiting time so you've already nearly 18 months you know there gathered up and then after that when your grant is returned you can then begin to call in all the assets the monies and bank accounts life policies change the property ownership so in all Greg it's very hard to put a time frame on but allow up to two years 18 to 24 months actively been worked on my mom's getting a little bit forgetful can she do an enduring power of attorney now that depends on the level I suppose of forgetfulness who judges that is it a doctor it's a GP so the first protocol is the GP for these EPAs they have to confirm that the individual has the capacity and the understanding and the knowledge to understand the document they're signing at the moment so if that level of forgetfulness is something in the lines of Alzheimer's dementia then it's too late and as we say it's too late when it's too late these documents need to be put in place when you're well we're not going to be able to get to an answer to this as such is it possible to discuss the rules and laws around inheritance in Ireland I live in the north but I have a property in Donegal but I want to leave it to a niece in Donegal now is that particularly complicated as I say I'm going to be able to get through it now but it's doable it's doable the best practice and we always tell people is you do a will in the jurisdiction in which you own the asset so that person needs to come out here and make a will specifically with the asset in the Republic of Ireland only so that's what that we made a will as a couple but we've got separate bank accounts as well as separate credit union accounts we have two children which everything will be divided between equally would we be better putting those accounts into one joint account and the error but is it needed well what the joint accounts do joint assets do they automatically pass to the survivor so it takes those assets out of the need so yes it is beneficial I feel it's very beneficial is it possible to add an adult child onto the deeds of their house while they're still alive yes it is yes that's a voluntary transfer again and so it's obviously a parent considering a transfer in the asset yes you can is there a tax implication for that? there may well be but that would depend on the value of the house well come here listen it's been really really interesting and we kind of only scratched the surface so we'll have to do it again I think and we've done a lot of work so we can maybe even just get straight into other stuff Gillian anyone with any further questions can contact Gillian McGough Associate's Lister at McElhenney's and Associate's Stronola or any solicitors can I just mention please do go ahead if anyone is interested in our estate planning service we have we have a brochure uploaded onto our website on McElhenneyassociates.com there's also a will instruction sheet which is a very good start point for anyone considering making a will I would just advise log on fill out the sheet three or four words what's your view on people going online and doing wills themselves no it's a no no homemade wills solicitors don't like homemade wills they are particularly difficult to get through the probate office unless you know what you're doing I wouldn't advise on homemade wills Gillian have a lovely day thank you for your time alright that's where we have to leave it back with you tomorrow morning at nine any comments and queries we didn't get to we'll


Your coca-cola bottler presents Claudia based on the famous play and novels by Rose Franken Brought to you transcribed Monday through Friday by your friendly neighbor who bottles coca-cola Relax and while you're listening refresh yourself. Have a coke and now Claudia have you noticed that majesty's move has a completely different ring to it since she's become a mother Now I'll say goodbye to her and come along now. Why what's the big hurry? I want to shower and shave before dinner Oh, why bother?  You are easier to please than I am Majesty, I'm sorry, but the boss says I must leave so leave I must say goodbye to your calf for me No, hey, hey, don't wake her. Just tell her later to thank the company of a mere cow can make my wife so whimsical It's very hard for me to believe that majesty can't understand what I say Just look at those soulful eyes Yep, it's not until a woman becomes a mother that she fulfills her real personality Oh, just because you're a mother too. Do you think you have fulfilled your real personality?  Well, you're not wrong No, long majesty. See you tomorrow They're button up your coat Amazing how animals keep themselves warm. You seem to be amazed about everything about animals. I am amazed There are revelations David if more people would be more like more animals the world would be a better place to live in now That my dear wife is one of your more profound Observation, you know it is Something about being in the barn with majesty and watching her feed her calf makes me feel very philosophical I don't even mind about majesty not giving us any more milk. No, no, that's very fair and square No, no, I mean it. No joke. Come on. I watch you're giving milk to a calf that makes up for everything. Oh David it's so wonderful to be alive and well see everything around you going on just the way it's planned to You approve of things prove of them. Oh, I'm delirious of them I wouldn't give up living with you on the farm Or just plain living for a million dollars. You put a high price on things And I don't see how anybody ever wants to die Well, maybe when a person grows very old and very tired, maybe I wonder Hey, look who's walking up the road to our house. Where? Oh? It looks like Jared Tucker to me. Oh, no, can't be why not From here it looks like a very old man. Well, don't you call 86 very old? Yes, ancient David Jared Tucker is an ancient He doesn't usually walk around looking like an old crutch. I've forgotten how old 86 really is Why David it is Jared Tucker. I told you it was. Oh darling look at him and just the other night I knew you as Eve.  Oh Dear, I wonder what's happened to him probably nothing But at 86 the turn of a weekend can be a very long time. Don't don't talk like that David. Hey there, Mr. Tucker Yep, just so we're coming down from the barn wait up for us Don't remember when a felter wins you cold. He's usually so snooty about the cold and the wind You know, it's funny how we're so attached to that funny old man. He's a pretty wonderful old man Hi there, Mr. Tucker. Nice cow. She's looking your calf. All right.  Oh, I'm not a man for setting around in the kitchen watching my sister Nitin knocks down a man's spirit to set around his kitchen watching the woman knit Reasing cold. It feels good to get inside. Hey, hurry up. David close the door before the cold air freezes the hot air Here give me a coat, Mr. Tucker I'll keep it on while if it's the same to you son give my bones a chance to thaw out Oh, that's a good idea. Just don't get overheated one your father get overheated again Come on in. There's a fire in the living room. So you'll feel good. Yes, ma'am When he can coax me to sit around the fire and not wish it was elsewhere doing something else. Yeah When that day comes Jared Tucker, he says a day erecting ain't far off. Oh, no such talk I'm telling you lad. I never felt my bone so cold probably never was so cold Yeah, come on sit down by the fire. Come on. It's as if the wind was whispering my ear that my harvest season is long since gone By soon I'll be a yellow husk laying on the cold earth You turn a pretty phrase cold bones and no that's man my age shouldn't complain, but I I Ain't feeling right.  No, I ain't always the first time not with Jared Tucker There ain't I live to be 86 years old without suffering at twins aromatism And I ain't aiming to start suffering at twins aromatism now Tucker still if it is rheumatism, it's rheumatism. That's not serious, you know, and maybe it's it's more than rheumatism Maybe it is Well, I didn't come over here to discuss me aches and pains with my neighbors Well, that's what neighbors are for Mr. Tucker. Not Jared Tucker's neighbors. No, I don't complain to nobody still I I Do feel kind of green to the lips I Couldn't practically eat no lunch. Oh, maybe Maybe we just overdid a little too much near you to see Saturday morning. I was no great shakes myself I've been a decline ever since for lunch all I could get my teeth to dig into was Was a couple of mutton chops some cream corn some stewed tomatoes and The baked potato had no appetite for the rhubarb till I cooked up. No Not that I can understand but I was always very fond of rhubarb.  She's walking around today. Just without one twinge Well, she's as good as the day she turned 70. No, your sister Delilah is a good deal younger than you are Mr. Tucker eight years eight years son and a woman eight years younger than a man is a good 15 years older in your bones Dang it. I always made up my mind. I would bury Delilah I lived with her these past 80 years So it would sure be my right to bury it wouldn't it? Yeah, and I don't aim to be jipped neither I'm very fond of Delilah, but well a man's a man and it's it's his honor to bury his own sister Oh, you're just feeling badly today. You'll feel better tomorrow here. I won't have a pipe. No No, thanks Melongs couldn't take the smoke Every day you feel bad son is a day you're feeling bad and you never feel better from feeling bad I'd miss Delilah, but I sure would rather miss Delilah than have Delilah miss me Sad for a woman to miss man even if it even if he's only your brother I I don't know why you're having such morbid ideas tonight, Mr.  Oh, yep.  I know it today.  What's that? I say, of course, you're going to die. I've known that for a long time What are you talking about son?  You may as well face it, mr.  Oh, I don't like this You may as well face it too darling. I'm just as mortal as anybody else. No, I ain't aiming to die Never planned to never really figured I wouldn't I don't intend to start counting on it now ivory towers Well, we've each got one son. I'll let you in on a secret. I'm the man that won't still live forever Funny I was just wondering about that today But I mean it there ain't many folks who live to see 86 But I ain't got no intention of laying down in a satin coffee. Well, you got any intention of it or not It's an inevitable fact. We're all born to die speak for yourself son speak for yourself Maybe you'd feel better mr. Tucker if you went home and went to bed and Advising me what to do young woman. Well, I'm I'm only trying to make you feel better So you won't be talking such talk who says anything about feeling bad.  Well now you're starting to talk sense still I think you ought to add some hot broth and we can have Fritz drive you home in the pickup What do you take me for a corpse now you listen to me young woman There's blood running in these veins and plenty of live muscle growing on my bones if I want to get someplace I'll get there by myself. I'll walk by God. Mr. Tucker is such a cold night. It's no trouble to drive you I don't like Molly Kotlin I'm feeling strong as a young buck. I am now and don't let me tell you otherwise now. Goodbye. Claudia's right I think we ought to drive you home. Oh, yeah singing the same song trying to bury me before I'm dead No my way I'm heading home for that roof bar by let pass by.  He's got it back now Yeah, I think in a way even without meaning it. We did a pretty good trick What do you mean darling our pampering him reminded him to stop pampering and worrying himself Physically not feeling any better, but here look at him through the window Mentally, he's pushing himself along so he thinks he feels better And he's proud of being able to do it. I can't help feeling sorry for you. You mustn't Look at him go. Look at him Look at his head held straight and his jaws clenched and he's bucking the wind as if he didn't even feel it now I Wonder what kind of guts I'll have when I come to that time of life whenever minutes an hour Every day is a year the same kind of guts is Jared Tucker and don't fool yourself Instinct doesn't reside only in animals not by a long shot. Oh, David kiss me and Just what have you done to Deserve a kiss nothing, but in case someday I do Someday when we're old and gray Together It's not too late for one more New Year's resolution. So here's a suggestion Resolve to take things easier when you entertain Just remember to buy coke by the case and keep plenty in the refrigerator With Coca-Cola ready to serve cold as ice sparkling and delicious There's nothing for you to do but open the bottles offer them round and share the pause that refreshes Oh, they're mr. King the mr. Tucker not home yet What's everybody rushing me for about the cold night out? I don't feel it you youngins at all sissies next to you mr. Tucker. We are but you better get on home anyway I guess might as well ain't no one around to chin with guess I'll go home and sit down with my world Almanac now you need a good strong like to read that book by oh, I got it. I got it I got it right in back of my chair. Well, you have one in back of your chair Well, that's more than David has tomorrow night when he reads a book. What there's no light Here again gone again the same as Tucker ever hear of a bulb snatching I can't say that a half and then be around tomorrow. You'll hear a lot about it. So long mr. Tucker Every day Monday through Friday Claudia comes to you transcribed with the best wishes of your friendly neighbor who bottles Coca-Cola So listen again tomorrow at the same time And now this is Joe King saying or of war and remember Whoever you are whatever you do wherever you may be When you think of refreshment think of Coca-Cola or Coca-Cola makes any pause the pause that refreshes and Ice-cold Coca-Cola is everywhere These broadcasts are adapted for radio by mania star and the entire production is supervised and directed by William Brown Maloney And now here's a word from your friendly neighbor who bottles Coca-Cola


What's good boys? This is gonna be a very new look for a Denver Broncos team. Sorry Seahawks fans But it's gonna look real different at least for the next couple years and there goes the servers. Alrighty So as everyone knows Russell Wilson. Oh, I Guess I can't look at the stats of my players or it's gonna crash the servers I'll try and view the cards from the item binder might be easier. We do have gold 99 Brandon Marshall I do want to take a peek at this.  He even has 95 run block.  All right, but do 95 run block. Are you kidding weapon X was also a Bronco 99 speed 99 Everything pretty much again. This Russell is gonna be so good Escape artists on a lot of people don't run escape artists anymore because it's so expensive But I like it 98 speed and 95 plus every throw stat and the Broncos poached Randy Gregory from the Cowboys. So it was six with six two forty two ninety five speed edge rusher So offensively gold 99 wise Tim Patrick Russell Wilson Brandon Marshall Vernon Davis and then I defense gold 99 is just Delta O'Neill and Ty loss our corners are incredible Honestly, the line is pretty good. They're quite this. All right, Randy Gregory is good. DJ Jones, Malik Jackson Nothing impressive 99 DeMarcus where 99 Justin Simmons gold 99 Brian Dawkins Baron Browning Brandon Marshall and von Biller now, but also a Bronco Hunter. Thank you so much for letting me use your squad Denver Broncos team team ninety seven oh ninety seven D Hunter.   I'm gonna feel so horrible. Oh, no, dude I got a double. I got a double. Yo, you guys probably just saw the Jaguar steam team I dubbed up in the playoffs there. It was a close-ass game. So hoping we can do the same here also huge Thank You to Vessie for continuing to sponsor my videos Vessie makes amazing shoes You might have heard me talk about them before and one of the coolest features of their shoes is they are a hundred percent Waterproof no matter what you encounter keep your feet dry having these brand new Vessie's on me is amazing This is the Vessie everyday move slip-ons absurdly comfortable absurdly flexible so easy to keep in the front door and just slide them on and go tackle anything I have in my day So a hundred percent waterproof comfortable lightweight breathable They're actually a hundred percent vegan too with no animal byproducts and instead of having five different shoes for five different scenarios I just hang on to my Vessie's and as I always do I must show off that waterproof feature by dunking my phone in the shoe be right back phones in there Perfectly dry so to cop a pair check them out with the link below at Vessie.com forward slash MMG You're gonna watch your own pair. Trust me Vessie. Thank you so much for continuing to sponsor my videos The shoes are awesome absolutely love them and guys enjoy the rest of the video Wait, what was this team? Was that a theme team? I saw a lot of ultimate legends.   Wait, this is so dope AFC West right? Is this the AFC West Broncos Raiders? We got an AFC West theme team matchup in the divisional playoffs. Alright, let's play smart I know Javante Williams is a beast.  I'm gonna run this stretch left side Let's go Javante. Yes, sir good edge great blocks.  How was that possible? Nobody blocked at all.   Nobody blocked anybody. That was horrible. All right Hey, we got a make-up for now. No question red zone hat-back corner. Oh That was so close to picked. Yep Let's go grab Dickerson. Oh, this isn't it. This isn't a theme team Almost got in but he doesn't I'm run committing again. Oh, I'm not I'm not Where where? Oh, I pulled off the run commit. I don't know why they still ran commit. All right We got to figure something out on offense.  I was just gonna take that user playmaker, but it might have been a too sketchy of a throw He's got that tiger you kill golden ticket in the middle Beauty we got a score here.  How is nobody blocking this guy? He like constantly has a guy completely unblocked at every play weird second and three. We're going back to the stretch. Oh Javante Williams All right, I'll take that it's not gonna be too much. Okay seven on that.  This is not easy Okay, good blocks great blocks.  That's not 95 run block down there, dude Oh my god. Look at this. This is insane. I've never seen edge rushes like this All right, we're just gonna take poverty yards with Javante.   It was so open. There's nothing I can do This is a hard L Javante with an ice catch that's gonna give me fourth and maybe 13 fourth and 12 Russell Wilson, that's a big play. I have to score here I don't think I get ball and there it is again Javante Williams golden ticket edge. Oh, he's just got every golden ticket It's not that surprising is all the golden tickets in the game.   Oh my god.  That's how I know I'm in trouble. I feel so bad for Hunter Man's one ain't no just for me to take an L for him. Wait a second.  I would've learned that if it was anybody else Guys I missed a pass a freight just one blade of grass buddy. Oh, it's all I'm asking I just want you to find one blade of grass and take a peek at it. Tell me what it looks like Just one blade of grass, bro. Just one blade of grass L plus ratio plus touch grass I was print. He doesn't he wouldn't throw a bad ball either. He's not a type of guy throw a bad ball So he wasn't gonna throw that what about a really nice Touch grass kind of an early throw actually, but he didn't catch it. So that's good boys. We really could do it here Who am I kidding?   Wait a minute.   Don't worry.  Yes, sir. Good blocks. Hey.  Is this how we go out? Of course it is of course. He oh my god.  I can't wait to be out of this game. This is such a waste of my time.  What is that? You just threw right at my linebacker. Give me out of this game, bro This is torture. What is this game?  I'm going lead dive right up the middle.  Hey, we finally making something happen.  What is that? What are you doing? Hey? Chris Harris Chris Harris junior of a bit of a screamer off the edge second 20 Did who cued me up against this loser, bro?  I could see a blade of grass outside my window. This is when I was getting water They're just being morons What are these angles boys? I'm not too upset about that. This was like hysterically bad This was stretch on fourth and one look at Fryer Muth just runs past him in 52 Who is that? Oh Clomac completely ignores it and honestly if he hadn't Marcus Davenport was gonna get it too Cuz he ignored his block would not have mattered. I'm out of my misery. I'm sorry Denver Broncos But I get one game for theme team and that was just poverty as fuck. I'm sorry Hunter Can't win them all boys. Hey, I love you guys. Thanks for watching as always. I'll see you in the next video. Peace