20 Episode results for "Tom Paul"
REShow: Joey Bosa. Hour 2 (10-29-19)
"Thank you for listening to this podcast one sports net production available on Apple podcast and podcast one okay this is a thirty second commercial title and I'm going to throw a lot of numbers at you but please stay with me and just fifteen minutes you could save fifteen percent or more on car insurance this company's been offering great rates and great Sir Joey Bosa when he joins but go for it is our poll question that we've been asking brought to you by our friends again at capital one When John Bell who has responded to the trade rumor conversation on twitter we'll get to that tweet in a second and friendly him the exits are here here here every okay there you go so the late add you are going to try and open savings or checking account don't go anywhere except capital one because they offer savings and checking accounts with no fees or minimum zits banking Ryman that with him not a chance okay not doing even though I'm feeling good about my wolverines Jerome Bettis is going to get a hat from us that I got us so is on the air live from the at studios in beautiful lovely on the Los Angeles California We've got a late add is Joey Bosa from Los Angeles chargers he'll be joining us in the middle of this hour and I will say this right here and right now there's no way and meanwhile de'andre is tweeting out a videos of himself as the blue genie from Aladdin right now is Halloween costume spend some time this week to make up that says I should've Gone Michigan he's gotTa wear it on the field at Notre Dame with touchdown Jesus behind him that's coming it's going to happen and it's delicious away in the NFL gotta get get good in is repealed see if a deal gets made and there's a lot of names that are out there including a late add to the rumor mill today they gave for Laremy Tunsil but you gave up once for Laremy Tunsil to protect your quarterback to find somebody liked the Andre Hopkins's a difference maker at the position you are our guest list okay just had our of the Monday morning quarterback on our show talking about everything going on with the trade deadline that is just three hours getting set to go to London this weekend I'm calling his game if he's still with the Texans so that's what I'm looking at on my phone so I guess you never had sorry for all the numbers and in five four three two one amount of time our number two are the rich Eisen show sources telling him bengals making a quarterback change after the bye week Andy Dalton to the bench Ryan Finley gets to go and he had a great I don't think they're doing I who knows what the bengals are doing and that's boy that's part of the reason why we asked our poll question which I think I'm going to ask just delicious and news just out of Cincinnati what's the news out of Cincinnati Chris on their by week. What's going on Tom Paul sorrow NFL network and Deandra Hopkins is apparently in the ether who he that they're taking calls no plans to trade him long chase young leads the way fifty percent Joe Borough second twenty six percent to twenty four everybody sleeping onto it unless we asked this question sleeping on a guy he's been the preseason we'll see what Zack Taylor can do them so trait Ambi you don't trade A. J. Green right now do you trade Andy Dalton intern from Capitol on one of the best needs savings rates in America to what's in your wallet what do you have over there Christopher who you taken first overall next year's NFL draft to Joe Borough Chase no plans until play throws a one at you how is your plan what's the plan I know they need to replenish to that he since he sliced up Georgia a couple years ago on a scene that's why can't stay healthy he's got injuries last two seasons is to be acquired by a team that has a coach that's not going anywhere an offensive system that's been entrenched that can be taught to him or feels that I'm taking the approach of no plans but we'll take the calls right see if you blow us away go for it Chris y but e let's ask this question maybe in two weeks if they beat Lsu we'll see how that goes or we'll ask it again and see if Joe Borrow wins it you know if you if you take in this show you know where big rose and fans here I still my I think they've honestly if they if they want to Ryan Fitzpatrick just starts throwing five interceptions in a game or gets hurt I don't think you're gonNA see him for the rest of the season Andy I just don't think Rosen deserves a chance fortunate development for him what's going on Miami unbelievable there's a lot going on Falcons released Matt Bryant you could still vote on this correct got I don't think his lunch changes if his uniform changes very concerned by the way Don Boyer he's still also have two hours left here and Orange County California has been hold on forbid let's take his phone call here on the rich Eisen show what's up Andy Mr is in our you suited to him and he gets he just he's there I don't think anybody's going to acquire him and say you are star from week one next year I think that's that's an UN sob on bells react reaction twenty six minutes ago was hey guys So I need some help should I have a Burrito or sandwich for lunch he did throw out doing fantastic so my take him dolphins should take chase young and then get them linemen and give Rosen the chance boy you know we I'm saying what they have in Josh Rosen why are they not playing them I mean write your own eight now so you have to figure out benched he's such a great guy he is it is his thirty second birthday wow like he new England patriots you've got the Houston Texans who take on New England on a Sunday night football at home in week thirteen they don't have jj Watt I don't know if you think get to my four downs here Chris we have that Lebanon Bell tweet again he's he's been out there today Monique Meta who's been covering the jets if he's the guy unless they've already figured out your own seven pardon me and and you give them an eighth loss but it's coming no I I you know I I don't I think that ships unfortunately sailed for Josh forever today in New York City he threw out there what rich Simeoni who's been covering ESPN the jets for ESPN for while he says that the jets are again ever had that on their resume. Wow analyst says we all know hasn't won a playoff game because the last quarterback of the coordinating producer just let us know it's Andy Dalton's birthday today no way Happy Birthday from Cincinnati Bengals coaching staff Andy Dalton you're break that's why the Ravens have got to win this one they would be just a game behind New England with that twenty thousand votes did he set the deadline for Eastern now this headline in the he just waiting for our standard twenty four hour changes teams eight wins right now no other team in the AFC currently even has six the most wins any other team has had in the AFC else are currently having five wins they don't face the Patriots at all so a team that currently has five wins with an opportunity to take on the more and I think the dolphins if anything they need to get linemen anyway no matter who they pick for a quarterback thanks for the call appreciate it what Rosen needs Sunday night football Seattle's at San Francisco on Monday night football those are some interesting dates to circle right now then fast forward a week see currently because they haven't either played eight games yet or because of injuries in the case of the Kansas City chiefs is five that's it and the chiefs are current house in other words the one seed and home field advantage throughout the entire AFC playoffs could be on the line on Sunday night out a poll question on this Burrito or sandwich do you have a preference sandwich you yes oh Sandwich only pulling twenty eight percent right now wow seventy two percent burrito with the five and three they do take on the New England patriots later on in the season when they go visit New England in week fourteen the Indianapolis Colts does not once we're done with the regular season week fourteen is pretty darn big you've got the forty niners you've got the forty niners at the king on Seattle at home on Sunday night football they visit Dallas Week Sixteen is huge folks you got one big one per day because that's when Saturday football new England to now lose four times over the last seven games for you to have New England come visit twelve week dozen the packers are at San Francisco and week twelve finishes up with Seattle at Philadelphia on Sunday night football is this huge just absolutely huge you're probably sitting there saying thanks rich appreciate you're going out on such a very Catholic there but here's where I'm backing it up patriots had Roland Saints and then on Sunday night football Seattle's at the ramps by the way how big was that kick that Greg Mix missed because if he had made it the rams would currently sure that New England visits you in January if they don't win it New England's nine and all your five and three and union they have the ability to go ahead and beat New England and then make sure that New England loses two more games so they could use that tiebreak to make your New England has to visit them tiebreak in their back pocket Baltimore you WanNa go to the super bowl this year you would be who've yourself to win this game and make football that's how huge this game is second down down all right well we're looking over the steering wheel at the second half of the season right now winner go home or important for one of those teams it's San Francisco at Seattle that might have to be an NBC game as I'm currently looking over the steering wheel it's just maybe starting this week or even with Patrick mahomes coming back to beat New England later on this year and then make sure that New England loses to more time so they could exact that eighteen hot take my fourth down take ten when team is not gonNa make the playoffs in the NFC so here's some key dates for you right now week ten Minnesota's Dallas on like you could pick up the flag on an offensive pass interference but they don't pick it up and this week in Indianapolis Frank Reich challenged a pass interference starts week sixteen the rams at the forty niners is a Saturday game then a Sunday game fresh I'm imagining late in the window no through eight weeks but that second third down don't even try reviewing replay anymore just don't do it don't do it I mean it's they actually instituted one it was the first one in five weeks so I I if I'm a coach and I it's not called or it's called I'm moving on cowboys at Eagles in week sixteen and then on Monday night the finale of your Monday night football season is Green Bay at Minnesota Nice game and then one guy for the last two years understand why people have gone to sleep on this guy there you go I don't understand why you didn't highs mania has won a national championship since six and to the seahawks will be five and three completely reverse than the situation behind San Francisco right now then you've got week fifteen the rams after here we go down I down Sunday night football for week number nine on NBC between the Patriots and Ravens we sense about cody sensabaugh the broncos grabbed him no flag right challenged it the actually put a flag for pass interference the replay for an AFC championship game somewhere. The fact that Kansas City did last year didn't work out anyway Kansas City have the horses with Matt Morgan at the NFL just wants no has no interest in doing anything with replay on lasts as egregious as last year's NFC championship game and the a home for Buffalo but after that a Thursday night short week game home against Pittsburgh for Miami at Pittsburgh home for Cincinnati Hey that everything's swirling around the team right now but my fourth-down heartache the Cleveland browns will win their next six games in Kennedy Bengals when a playoff game is on CBS it is not named Tony Romo Gary for four downs here on the rich Eisen show hit it Mike delightful downs with rich around the soft part of their schedule coming up and I said even with them coming off the bye New England obstacles finding the Cleveland browns even the way the browns looked in New England is call it was non as a non call one placed on the field via replay and with ty Hilton on a crossing route is is that this was not at all the way it was discussed with us in the media throughout the the the summer and and to the credit I think of the NFL they tightened let's take a look at some key dates that are already emerging in the national football conference where things are very very tight I've already said my previous four downs it could have been last week that attendance doesn't finish up but that's a big game on Sunday football reason why is if Seattle and Philadelphia don't win their division that could be a tie-break as to who makes the playoffs and I missed a ton of kids coup okay so they're going with them there's a lot going on but there's no trades just as no big trade and Landry's guy over the Middle Cleveland browns she win the next six games this isn't so damn hot belittlement of bolts here on instant replay with pass interference but it's just not happening and the reason why I'm saying that is we saw another one last night where it looked if Bosa of your Los Angeles chargers wonder what he thought of Mitchell trubisky taking a knee with forty-three seconds left bet you didn't expect that eight four four all right you know I think I'm GonNa back your play in follow the action on this don't follow the action your final NFC currently right now we're going on the show steering wheel key date might be game to fifty six when you're looking at week seventeen bet no w. two two three eight six six nine to receive your fifty percent welcome bonus don't sit on the sidelines this summer for Major League Baseball to the women's ag your online sportsbook experts Joey Bosa will be calling in shortly but let's take some calls here on the program John in Long Beach California just heard me World Cup and all things UFC bet online dot ag has you covered visit bet online dot ag and don't forget to use the promo code podcast wine bed online six straight really that's their next six they should win them all buffalo's tough but Baker Mayfield needs I'm moving on right now and until the League configuring John Comparison on Monday night football last night until the league is all buttoned up all on the same page right now as to what WanNa go let it ride each game with you here all right we'll take your phone calls including I'll take your phone calls including that of one her so I appreciate your support but you're way off patiently John John the Denver broncos okay the Denver is the only quarterback in the history of the NFL to have started a season eight and now and now to start a season onate unbelie nobody's aw win their next six games all Lori Okay we're taking on next up in Denver what Brandon a hot plank take or backley cake tank okay for ease my way into it reverting wiser I said this a couple of weeks ago and I'm going to back it up IC- after that you should be able to beat Pittsburgh a couple of times with Miami in Cincinnati winless teams on the other side of that I mean that's honestly John Broncos can put together four quarters we know that for sure okay they beat the the they beat down the bears right and then they went ahead and you've got pardon me the Denver Broncos went ahead and they've got Cleveland coming in they took care of Indianapolis for almost all the whole game go for it your phone calls when we come back this summer there's only one trusted place that lets you get in on all your favorite sports betting action that online DOT AG sign up today wake-up dangerous when Josh Jalis chosen six picks afternoon strolls into town wakeup dangerous final dealt Beckham Unleash Myles Garrett Oh man out there in Cleveland named Darrell Writer I'll give you shout outs and she gave me a shout out on your twitter feed about the six game win streak I just mentioned for the rest of two thousand nineteen certainly saying I'm saying that would before Joey Bosa call in and about a few minutes time I'm not gonNA definitely not taken that Bay I'm going to say it's definitely happened a free account at Bet online dot ag and use Promo Code podcast one for your fifty percent off welcome bonus or text bet now two three eight six six nine that's and I said a couple of weeks ago when they were a mere two and four going into their by week that I'm okay with the Cleveland browns still still okay with the Cleveland Bliss again to the point where the rumors were hot and I think Joe Douglas did reach out to Daniel say why don't you leave what you're doing come aboard with me and let's be my my VP. Amy took care of Tennessee not the the bears I understand they could do that but you should be able to beat them with a with a quarterback who has never started before then buffalo coming in is issue comes back in week ten in after this game and Denver Kareem on joins Nick Chabot should hold onto the football and the backfield Jarvis they haven't won more than four straight in the expansion era last time they won five zero Belichick was the coach in ninety four have to go all the way back to nineteen take a hot take plank saying that the turn turn your radio down John just heard me say that that the browns are GonNa win is going to be on tomorrow's show he couldn't make today show of because he was doing his move the sticks podcast and he is tight with jets general manager Joe no I know I'm certain thanks for the call John I'm I'm Gonna I'm GONNA retire from making friendly wagers I mean that's that's a that should be done that's six wins I'd be willing to make your friendly wager you know we could do a that's why I made it a fourth down heartache yeah it's hot and after I said that I appreciate him listening out there I saw on twitter he's a radio hot take plank did you write down those words you don't miss it I didn't off the time just terrific eased into it you said fourth-down heartache then you said the plenty on is that his name Brandon Allen Allen never heard start that's a win then next up for Cleveland after that this one concerns me home against Buffalo risk for over seventy five years in anytime you need help you can speak to one of their trained specialist twenty four seven the company is Geico go to geico dot com today so maybe going to be trained and Robbie Anderson I just don't know how much longer I can hang on with these guys it's tough real tough Daniel Jeremiah Jersey let's take your phone call what's up Brent Dan I'm totally with you on your heartache I got a two hundred dollars bet with a friend that they'll make the playoffs so really need that six in a row there seventy two the last time the bruins won six in a row that's why it's a hot take that's why it's a heartache Brenton pack your drinking some cooler I don't know where you got it from that this team finishes five and eleven given everything that's going on it will be okay but I'm just calling because I'm a I'm a miserable New York jets fan and it just feels like the same Ole jet they're listening to calls for Levian Bell Zero what he got from John Well I'M GONNA CLEVELAND Browns Fan since Jim Brown carried the ball and with all due it is and what it isn't as a coach I'm just avoiding it get to fourth-down Mike you walk it over work down hot we get that problem solved this off season everything else is secondary that's what he tweeted out which means either Joe Douglas believes the same exact thing or is talent my vp of player personnel a he said the jets should have one priority right now fixed the L. collect as many assets as poetry and they lose that one and suddenly they have a better draft position than the same one when team because they lost that one win team up to get across the finish line that's how you tank and the jets should've out tanked the dolphins by ruining their borne out of the mononucleosis situation leading to the u the man point from Sam Darnold and my fourth down hot take I believe in week three after the disaster on Monday night football born out against Cleveland that the Dolphins Front Office has removed so many players from this roster that leaves the team shorthanded enough okay football broadcasts well at any rate I set after that one that the jets should out tank the dolphins feel that Sam darnold would not regress into absolute a pool of water then than they should do it if somebody's going to call them up flying with US exactly but I say it with a germ of you know what I kind of can see this happening and I kind of believe it all I'm saying is there still time the jets play next week the dolphins by giving them fewer and fewer bullets of ammunition figuratively in a game where when it all comes down to it like it did in Pittsburgh last night they don't have enough get his best as great as he is for for the team we haven't seen somebody that talented at that position since Curtis Martin and if he of that sort of stuff completely agree with you thank you for taking my goal Brent and again when I give a fourth down hot take plan sitting there first overall and trading to away to somebody else and met all the draft picks for it so get rid of Lebanon Bell lose the rest of them and build up the offensive line and out tank everybody go get chase young or eight away all of the tool bounty and get a million draft choices if you're planning on trading levy belt you might as well just a nuclear crisis out indefinitely graphic that will live as long as seeing ghosts for this poor kid what a graphic by the way to espn Monday in a deep end of our business pool a lot of people that that that you know I know I sound like an airplane pilot and you have a lot of choices at this time of day and we appreciate you the matter how much these players and coaches of the dolphins want to win and they do want to win they're not taking once told me Ball Front office tanking it is presented with tongue slightly in cheek flailing that stuff that I wouldn't ordinarily say but I remember the US president but there's president Adams in the back end of this defense that should go nowhere and I think I speak for every jet Fan and when I say that I will take a break Joey Bosa of the Los Angeles chargers when we come back football season is here and it's time to dominate the competition step in from the UK and say we're taking a car keys away here the jets owner is focused on that's part of the constructive my four downs that my fourth down I dipped my toe in hot hot take pool when we are as you know in this business tells me this guy so coffee he wants to hide his strength no matter the matchup RJ's got you handled with topnotch analysis for the best nfl picks and with your fantasy picks and RJ bells dream preview on comcast sports net is your secret weapon victory I said the fact they didn't run enough in week one go the whole distance I'm like that I'm like that voice from the corn cow with test yeah so according to the rich Simeoni he's reporting three hours to the deadline help make this show possible so thank you for downloading subscribing and of course supporting now back to the show welcome back to the rich Eisen show kind enough to statistically was speaking in that sense when you were lining up in Chicago I just wanted to take a minute to thank all of my great sponsors and all of you great listeners for supporting this podcast certainly couldn't do this show without either of you and I wanted to remind you that prior to this one is this yeah I'd have to say that this one this one probably takes the cake here why is that around now is that true or not I don't know very optimistic download RJ bells dream preview every week on apple podcasts and podcast one dot com hey let's Agilis chargers he is Joey Bosa here on the rich Eisen show how are you joey I'm good how are you I'm doing fine I I am doing absolutely fine everything seems to be great in the Bosa World Huh you can support my sponsors by going to my show page at podcast one dot com clicking on the support this podcast button and there you'll see all of my wonderful sponsors that I'm all out of that subserve that's absurd now that's where you got to basically step in from the UK well I mean and again it's interesting that I will take get a perspective from somebody on the other side of the line and certainly somebody whose job it is is to disrupt plays that the coach Matt and he thinks everything is on the table for the jets you know being available minded except for Darnold Adam and Quinton Williams no one is untouchable including Oh Joey and time's ticking down and the bears took a knee did that surprise you honestly I these days not bad this weekend is this the best weekend you have had what what's the best weekend football weekend you you as the Bosa brothers of had China I didn't really realize how much time was left I see that tennis -ssume that it was uh I don't know if that's trubisky decision or what ever made the decision but I guess they probably could have attacked it a little differently compounded by what was happening to your team in the previous weeks leading up to that it was just tough because you know I felt like we Nigeria I mean before we get to the whole demoralized sense I guess then when you realized after the game the situation I guess in which Nagy said and this has been a part of the conversation Chicago since is that everybody knew that they were going to run and that would lead to a loss of yardage that he didn't want to all in on an off day in between winning in Chicago at the very last second and getting set for none other than Aaron Rodgers to come into the house of the loss my mind hoped and thought that the game was at that point and it was tough then obviously with addition of weeks prior and the things that now down to the last seconds because they were I I was I was just so demoralized that they got down the field field goal that I wasn't it's closer and have a little little better shot at making it but I guess that logic makes sense when and then when you say that you were kind of demoralized over the did you say something yeah okay yeah I mean so no championship belt if you put them down on the ground nothing like that I don't know maybe maybe a little something I'm usually I'm usually not saying much cubeys but I rogers deserves a little bit of respect Louis Charges He's one of the most fearsome pass rushers at several levels of of pro football is he's as he's shown from the Ohio State University to now the lawsuit packers and Aaron Rodgers what challenge does he present to you joey I mean I think everybody knows the channels he presents in his arms fact that the chargers had gotten as far into your territory as they did did that was at just the general situation of the game or was that just I think he's the clubhouse leader in that
Hour 4: Jon Wilner & Brett McMurphy
"Flood owner throwing you off your game stick to a winning game plan with odor eaters featuring three advanced odor and wetness fighters. The lineup provides long-lasting odor control plus more to keep your feet on their game. Ota Readers powder provides outstanding moisture control, clear drying sprays the MVP in preventing athlete's foot while insoles were continuously manage wetness will adding a layer of comfort pick up today at Walmart target CBS dollar general or other fine retailers or. Destroy Foot Odor with the best in order defense. Tried Passion than patron. Tree of college. Football leaves here. The Paul, Finebaum show our four podcast. We. Welcome you back and John Wilner will join us in the second. As. Great as sources there can be in the PAC twelve, and certainly as we head to the final hour, nothing has happened yet today other than torrents of speculation. Most of it emanating with the big ten we had the commissioner of the Mac on earlier Jon Steinbrecher who was one of the WHO was the first? TO ANNOUNCE IT, they're shutting down John always great to have you on. Talk. Thank you for making time I know. As, we watch this move across the country I it's just Frightening with all the confusion and uncertainty. So let's start. With the PAC twelve, it has been a tumultuous eight or nine days and and that's not even talking about whether they'll play football or not. It has not. So they announced their schedule on July thirty first, and then that weekend their players went public with the manifesto. In which at least a dozen, we don't know exactly how many basically threaten to boycott if demands warm made. And then last week they met with Commissioner Scott and I think that didn't go as well as players they thought, and now here we are with after the Mac. Shutting Down Pac twelve is on the brink of shutting down the ten days of felt like about one hundred days. So. I, know it's easy to lump the conferences together. I mean we do that just for fun. We don't really know as much as you do but what do you know right now in relation to where the PAC twelve is and ultimately, what are they going to do? well I I know that they are not going to do anything today. There are presidents chancellors are supposed to meet tomorrow and is expected that they're going to make a decision on the season I suppose that they could. Delay you know and I'm sure that what the big ten does this evening or tomorrow morning we'll have an impact on the PAC twelve thinking. I. Don't think the PAC twelve wants to be the first I think they'd probably rather have some cover from the big ten. But you know we'll see this a very fluid situation get twelve presents together. You never know what's going to happen but I'm pretty confident that they'll be nothing from the from the pack twelve until tomorrow. And John Everyone seemingly has a different view we've heard from the not officially, but people that cover the SEC and the ACC and both conferences seemed to be full speed ahead full speed, but they're moving ahead. What would tip the Balance Out West? Well I think that right now, it looks pretty much like the PAC twelve is going to shut down same with the ten and I think what has changed is and you know espn just reported this afternoon about growing concern about myocarditis the inflammation of the heart that has been documented in several athletes in the big ten, this summer and in a few other athletes and I think that data is probably going to be what kind of pushes the. PAC twelve over to canceling the season you know I've been wondering what has changed in the last week or two, and I think that the the evidence of this heart condition have have really made an impact on the thinking of the President I can't really see a way forward at this point for the PAC twelve you know maybe they pause maybe they delay a final decision for a week or two, but it's awfully hard to see how they're gonNA end up taking the field. On Mar myocarditis. It it seems like at least the big ten maybe others have discovered A. Number of their players suffering from this I mean it's just so fascinating. How, and I'm not saying this cynically but the interpretations of medicine. Seem- seemingly vary from one part of the country to the other. They do there's no doubt about that and I you know. I think you need to put yourself kind of in the mind of a university president here right if you're already. So you're in charge of this entire campus billions dollars campus and athletics is important but it's it's a piece of the whole equation and you're already skittish about playing and about sending an amateur athletes out in amid pandemic and them getting sick or or worse, and how it looks and then here comes. an issue that you can. You know even though that. myocarditis. They've known about it for a long time. The medical community has now it is affecting athletes. That are currently on your rosters. It makes it much more personal. And I think it probably is is of the final Straw here for at least two of the conferences. John I. Know you're out there but but I'm really curious just over your thoughts on the broad spectrum of college athletics because you have friends and sources all across the country and I, it's it's just such a it's been such a bizarre weekend. Just listening to the death knell of college football, and then today we we see the pushback. Especially, in certain parts of the country, the big ten coaches, a presidents in the south. I know what you said about the two, the two main leagues we're talking about the big ten in the pack twelve but but do you do you? Do you really see a way forward for the other three? Boy Awfully tough to think three play and to not, and to that are not playing saying we're not doing it because of evidence of a heart condition that really kind of backs that justification kind of backs the other three into a corner in my opinion you know I don't know that there had been reason until this point. I thought the SEC was make was. Being smart and waiting and waiting as long as it possibly could Greg Sankey has been talking about that. Now for four months don't make decisions you have to. But I just think that the evidence that surfaced with with heart condition has has changed the dynamic a little bit and is GonNa make it a lot harder for those other three conferences to to move forward. Yeah. It almost seems like you have to argue against the evidence which. which totally which can be done but you're you're you're walking down a very slippery slope if you do. You're walking down the super and don't let's not forget that they're probably going to calculate liability here. You know they know about this and maybe some of the schools have had athletes this summer that have had this condition and you're still sending kids out there knowing that there's that is a huge liability concern horrendous deke's university presidents are like the most risk averse group. There is right and You know I think that this this is gonNA. Be It and and it's very difficult to argue when you're talking about got. A heart, condition? I'm curious what you what you think Jonah just in terms of of all the reactions, you've covered the sport a long time to be to Leeann, newspaper columnist I think a healthy dose of cynicism comes with the territory at least. I know it happened to me and I'm sure it happens the most. But I mean, do you do you think that people other than nodding their head going? I'm sorry to hear that I'm glad to hear that that that's a college presidents or paying much attention to what the young players are saying or even the coaches today like Ryan Day in Jim Harbaugh. I think they are and someone told me earlier today that you know that the the reaction, the public reaction from from coaches and players in the big ten has has certainly given the the president's you know something to think about. But ultimately I just I don't see how anything is going to stop it at this point you know. What I hear most about college football these days Paul is just people are just sat there disappointed at how the whole last four or five months have unfolded. The way everybody has kinda gone Fractured situation no no plan. No coordinated plan for health and safety. No coordinated plan for messaging. You know the big ten in the SEC. have. Benefited for thirty something years since the Supreme Court decision. They've benefited from not having a commissioner and from there basically one of the show right but I think that these last six months, the fact that there is no central authority has really hurt the sport. How would evaluate everything? You've seen so far just in terms of the way. Forget Mark Amer I. Don't think we need to waste a lot of time on that conversation, but but the other five, the five commissioners. Larry Scott has been widely criticised. Kevin Warren seems to be an enigma in that. He is doing things a little bit on his own, and then you have the other three one's retiring. Wonder Yeah. You know I think Larry Scott I. Think the PAC twelve has done a good job for these last five months being on message being smart with things It is interesting because he's coming in the middle of a pandemic and he's got. You know he doesn't have emotional. Ties he's deep emotional ties to the sport like the like you know for bowls being. Sankey, do they are you know they're experienced there decades in college football makes them a little bit different from slum, the other two and then you have to add in university politics. You know varying degrees of academic missions on campus you. In this case, you've gotta add state politics on top of the whole calculation. So you know I think I was surprised that the big ten went out ahead of everybody in terms of going to the non conference schedule. But otherwise, you know it kind of makes sense the way everybody's gone about it based on their own constituents I just wish. There had been some kind of unified unified voice on messaging and protocols. I. Think that would have alleviated a lot of angst that everyone has felt in disappointment a Lotta people feel. Again John before you go just go over the timetable here in terms of the pack twelve when when do you think we will will know or they may pause and not give an absolute decision here shortly. Well I think a lot will depend on what the big ten does. Tonight tomorrow morning. I. Think they're voting tonight I think the big ten votes to to cut shut down the season I think the PAC twelve will do the same thing if the if the big ten to basically pause to re evaluate and there is time to do that, I, mean they can push everybody can push the season back and and not start training camp till. Real late, August if they want. If the big ten pauses I think the PAC twelve will probably pause and I also would not be shocked If there is some kind of joint statement from those two conferences just saying we're not playing and here's why and a kind of a show of unity. They do feel a certain connection partly because of the Rose Bowl history and partly because of the shared academic missions that a lot of the schools have so I would not be shocked if there's a joint statement. John if they did that, it would be the first collaboration we've seen in this five-month tail so. For that we would be grateful as much as we would hate to see a thank you for coming on. Always great to hear your inside and we will be talking to you very very soon John Wilner from the mercury. News. Great to have you on. Thank you Tom Paul, Take Care Wow. The best source for information on the West Coast John, joining us from out. West. We will take a break get your reaction more guest calm or. News. In the weeds we are coming back. After this, you're listening to the Paul Finebaum show podcast. It's your home speaking and I need you to do me a couple of favors i. get that Blueberry that rolled under the fridge last week it's throwing my functions way off second thing, bundle your home and car insurance with GEICO. It's easy and we could save money. Lastly, I know you're thinking of painting the nursery back to off white but I'm actually feeling this baby blue didn't think it was my color but I am pulling it off Gyco for bundling made easy. Go to GEICO DOT COM today. Did, you know GEICO's now offering an extra fifteen percent credit on car and motorcycle policies that's fifteen percent on top of what Gyco could already save you. So what are you waiting for your baby to let you sleep in? Sleep, in another half hour. Thanks Sweetheart. And you'll change yourself to. There's never been a better time to switch to geico save an extra fifteen percent when you switch by October seventh limitations apply visit GEICO DOT COM for details. Back We. Continue here and a DAB is up next in Toledo thanks and good afternoon to you. Thanks Hi Paul. I I WANNA densify myself as a longtime college football fan and a medical researcher since nineteen, seventy nine and I want to offer my perspective as a as a researcher. I started my career as a hospital researcher and I can say that medical solutions are not always correct or predictable There were times when there was an issue with a patient and the whether it was diagnosis or treatment of that patient and the medical literature and research at the time provided totally conflicting solutions We don't know everything about covert. There have been misstep so far and testing and treatment. So I I'm really skeptical about people making decisions on this tenuous data decisions that are affecting so many lives beyond just the college athletes but. The communities and and who are GONNA be suffering because it's closed down. But basically what what you've heard already is in sources have indicated that the big ten has reacted to five cases five posts. Cova, cases with. US So I don't know why. I, mean you you understand I mean we're we're not talking about. A run of the mill medical medical experts here but right as you know. People reactive data in different ways. They do and and you know scientific people know that there's always a control group and and my concern is if we shutdown college football across the board, then where's the control group? How are we going to know what would have happened? Had, we continued with College Football just my perspective. Thanks for taking my thank you very much and I. Think there are two sides of that coin as there always are. there's a medical side that dimension and then the liability side. and. The liability sides a little bit easier to figure out it's Scott is up next in. San. Diego Hey. Scott. Hi Paul how are you doing? Well, thank you. Thank you for calling. They show I don't Miss. You heard the I just saw that the mountain West Fan that they're postponing right the their season as well but. You know one of the things I haven't heard a lot of talk about is and I'm looking at a more of a liability perspective too. I'm GonNa Attorney and that's kind of what I do but. The colleges already have liability related to this from the fact that they've done students on campus right now and they're practicing so. I haven't heard a lot of talk about that, and then the other thing is. If the. Major conferences a one or two of the major conferences cancel. I don't see how the other conferences go forward. Well, let me give you this. Let me give you the legal case here Let's let's say to do and I think they will. And then you're in one of the other three and and you have a serious situation wh. What what's your argument? My argument if I was asked to. Say You. You wonder that you're you're SEC ACC or big twelve and you have a serious situation that comes out from liability standpoint How do you defend that? I think that's going to be really tough. I don't know how you do it. I mean maybe a point to the experts you tried to say that there was An assumption of the risk that you know everybody knew it was dangerous and they chose to play but. You know the bottom line is these lawsuits are are done years later in. The plaintiff they're going to be saying look, you have these other two conferences. capital because they didn't feel it was safe. Even if the real reason was something else you know the MAC is being in its because. Just, let me say one thing. We had the MAC commissioner on and he said he he looked at medical experts and they said. It's unequivocal. You can't go on So I mean he would be my first witness wasn't he? Yeah he would but you know then. That's GONNA be nothing unequivocal this no one had absolute facts and anybody says that now is full of it because right now I don't think the doctors or anyone knows exactly what's going to happen or why so. but my I can tell you it makes it a lot more difficult for this year. I'm curious Gotham legal have had those conversations go I would assume every I know every conference has legal counsel. Every university has a general counsel You know those conversations have already taken place. Oh Yeah Yeah and and what we don't know is. What is their insurance company San. Many people are already been sick and you know what is the what? What has happened Muir so we don't have an information that they do. So we're only speculating with half the information. So I think that's what makes this fascinating but also kind of Kyrie and I can tell you it's closed and it's gotta be because I listen to your show all day and there's great argument. On both sides as far as you know, they're safer on campus they got better medical care You know they're young maybe whisker or last. But Two years from now if there's a loss okay. Everything is they're gonNA look at all events. Well, it was all about money and you're GONNA have enough built battle argument that so. I tell you I wouldn't wanNA. Be, position it's. It's It's tough. Not to prompt anything don't even think about but but Plaintiff of law is quite a cottage industry and and covert is we're we're in the embryos stages but as you look ahead how how big of a draw just going to be. I think it's GonNa be huge. I've already seen art I. It's not my area on the planet. I do more corporate and transactional work. I've already seen articles you know circulating around the law firm about. krona virus remaking employment law. You know because of all the employees that are being forced to work or they're saying they don't have a safe environment, etc. so you're gonNA see lawsuits in my opinion for years and it's GonNa be a not just in the sports world but employment world. Insurance you name it it's going to be. It's going to be a mess and and the problem is they're trying to make decisions. Now they don't know how this is going to turn out. You know maybe if the government got a little more proactive and and gave some safe havens like they tried to do on that poultry factory it make decisions easier but I don't know how feasible that is even. Sky Great. Insight. Thank you for sharing that. We really appreciate it graveyard. Thank you. Great it's really interesting to listen to keep up the good work. Thank you. Scott come back soon, legal expert, and you heard a medical expert right before that just just from. The Great Great audience of the Finebaum Show, we'll take a break mortem and we hope You'll stick around. You're listening to the Paul Finebaum show podcast. Napa know. This month nap has got all kinds of motor oil deals that can save you some serious cash like five courtyard of NAPA full synthetic motor oil for just sixteen, Forty nine with savings like that. You may start feeling like VIP. Don't let it go to your head. These oil deals are for everyone quality parts, helpful people. That's Napa how. Know How generous states pricing sales price it's not include applicable taxes recycled these offerings eight, thirty, one twenty. For, businesses around the world today isn't a restart. It's a rethink. That's why they're partnering with IBM to Change How they from supply chains customer service. Let's put smart to work visit IBM DOT com slash smart to learn more. And we walk back. We are trying to provide as much information as we can during one of the craziest periods in college football history with some of the very best people in the industry and one of them. Our next guest he has been Murphy who has broken so many stories lately, I can't even remember them all, but I know he has. The list is long including the mountain west, the sunbelt breadth We'll. We'll talk about all of that. Thank for joining. US, really appreciate it. Thank you Paul. Good to join you anytime. You've got your your your your finger on the pulse of the College football world and six thirty three eastern time. How would you describe it right now? Confusing but You know I, think as I've. Said to you on a number of occasions I think ultimately. While I think, a lot of these conferences waiting till the last minute to do something. I think that ultimately the president's we'll have a hard time taking that risk whether that happens tomorrow with the big ten. The PAC twelve when that happens in a couple more weeks with the ACC big twelve and sec think eventually that's where we're GONNA end up. Because again, if there are issues down the road. With the the League's that dupleix. They'RE GONNA get. They're going to get sued back to kingdom come because the argument will be well, all these other conferences didn't play because of the health and safety reasons you guys had the same information they did, but you went ahead and played, and so I think ultimately ultimately, that's what the president's will do I. Don't think they WanNa make that decision I just think they have to. Then quite honestly privately behind the scenes, it's because of liability reasons. Bread. I'm not saying things were going along swimmingly. They were not but we went through a rollout last week of all the conferences giving us their schedules. The SEC had quite a presentation here on Friday night no, it was exciting. It was something to talk about other than coded. And Started with the Mac and then it just snowballed. That has changed the minds of so many in the industry. Paul I think it's the the medical advice to the receiving is that it's it's unknown. The long term impacts of covert some some football players that have had some health issues. Excuse me hard issues that Indiana and Houston and I think that's really hit home. for these presidents again, you know we could have a debate and we won't. You know there's obviously various. Various. degrees. Of how serious this thing is. So I'm not trying to get into that argument I'm just saying that these medical advisers are letting these these commissioners no about. These potential long term impacts that they don't know right now, the same with you know twenty years ago we didn't know the long term impact that concussions and I've heard that comparison a lot and so I think that's why you're seeing you know the Max shut it down the mountain west You know as you said, I reported a little bit earlier today they have shut it down old? Dominion which is a member of conference USA you know I. reported that they are not playing even though we don't know a conference USA we'll do. So again I think they're all they all have the same information. Are Reacting to differently. but also I, think, you know like Greg Thank you and I'm sure you talked about it. What he tweeted earlier we you know patience is the best thing you know I agree and I have no issue with that I guess other people just feel like why delay the inevitable and as far as announcing the conference schedules. When you know you're going to be canceling the League I guess the best analogy that I've heard offered up was it's Kinda. Like the band on the titanic. Bread I wonder how much elsa involves the political climate of where these leagues are I don't need to tell you that what I'm talking about because you live in the south where let's be honest it's viewed differently than it is in other parts of the country. Got Is and I think that's that's a big reason y. You Know I. Think you look at certain leagues and they may be Dwayne their decisions and you know yeah I'm not surprisingly politics gets involved with with college athletics. I just wonder though if it's too little too late. you know I I know a lot of people are frustrated that it's gotten at this. Certainly, you know I think the players should be commended how they're trying to rally and have this even play. Certainly a lot of high profile head coaches also have lended that support. I think the problem is, is that the? There's no commissioner in college football is you know so there was no concerned effort by one person to get this done. Each of the ten conference commissioners were doing their own thing and that's why we are where we are, which ultimately I think results and not much football in the fall. I bring that up. Today I mean if you if you were just sitting around with nothing else to do. And watch twitter you. You saw some of the most remarkable. Pieces that I've seen maybe since the realignment land rush of about ten years ago where there was there was speculation that the BRASSICA was going to come down to the big twelve Ohio states coming to the SEC and not to get into contracts and fifty, two, hundred, million dollar. Payouts for violating those contracts. But but. Does any of that really matter today would people are saying I'm not I'm not talking about the players I'm talking about the coaches. And athletic directors across the board who have. We had hundred year check on earlier. They're all saying what fans want to hear them say but. Do. Their words really have any residents. Yeah No, I agree factly what you're saying it you know, Scott Woodward lsu athletic director sent out a statement and a little bit ago that you know that they wanna try to play and they WANNA. Do Do do it safely and we won't compromise health and safety I agree with that but policy not to minimize this but the put kind of a better. A better comparison is. Remember Sec media days when people used to argue about or you're gonNA play eight games or nine games in the coaches get up there and say how they wanted to play this number that number and ultimately it didn't matter what the president's want is what matters and so ultimately even though a lot of coaches have come out. And and saying we WANNA play we. WanNa go ahead and go forward with this. Ultimately, the university presidents next are on the line if something goes wrong. Not The head coach, not the offensive coordinator not star quarterback, and so they are so concerned about these liability issues down the road. When the players you know the as already said, the student athletes don't have to sign a waiver. So it's basically Cya in. That's why the president's ultimately. There will not be a college football season or the president's to blame in this. I I don't know I mean that's something you know we could do our at twelve thirty for thirty on. Who exactly is to blame for this? I don't know it's everyone's pointing to the person to the right in there all sitting in a big circle. Let me go quickly through this? With the power five, I know that you've reported about a number of the other. Conferences and they're still a few that haven't been heard from many big ten. I'll just go through quickly. I'm interested in your e your your thoughts on where they are. Then we'll hear something big ten starting Do you expect something within the next couple of hours or days? Next twenty-four hours? I. Think it's pretty obvious. They're gonNA shut down and Kevin warn it's been very open about the fact that they may not play football in the fall me. Probably you've talked to a number of of people throughout college athletics and people will share stuff with you privately. But the fact that he's out publicly saying, we might not have football season I think it's pretty evident that that's the direction they're going, and literally the five minutes after the big ten makes that announcement I would expect the PAC twelve to follow and step like they do with most everything else, and so now you're down to four up to I. Guess. four weeks that will not be playing and then after that. I think the big twelve ACC have a decision to make I think the other group of five will fall by the wayside after the big ten announcement. And then I think it's going to be the SCC and maybe the big twelve and or ACC. That will be the last ones to to make a decision. Of those three I'm asking you really hard question here. Where where which one of those is likely to to follow the Big Ten and PAC twelve I would it be the big twelve or the or the? ACC. I think the ACC but again, that's just that's just A. You know speculative guess. but I think you know again they're they're presidents the line of thinking within the president. So those those conferences conferences seem to be more alike. and. So I would think the ACC would likely fall in line which then you know Notre Dame would be the answer to a great trivia. Question you know. And TCU, who spent longer in their respectively. Or, TCU, in. The Big East. And if that third one goes You would not expect I presume the other to be able to hold on much longer. Now. Paul I. Just I. Think Again I want cards football to be played. So I know so many people think well, you reporting all this this news you're hoping we don't have a season forget that I want to as a fan as a reporter I want us to have a season. I just again thinking how the president's think If you have two options in your scenario, one is to play the season. Nothing bad happens. Everything goes as planned. You went whoever wants to conference wins another National Championship, the sec you hear the SEC chant. Until the end of time, the other side is you go ahead and play and something bad happens. You have outbreaks shut down your program, your your campus whatever happens God forbid. If, there's a fatality down the road with the family member or player coach or something, and then all of that equity that the SEC is built up over. So many years as the best football conference in America is down the drain because they will be viewed as the conference that decided to go ahead and play for the money. And endanger their student athletes and so what side of that coin do you WanNa be on do you? WanNa take the odds that nothing's GonNa go wrong and play the season out and go ahead or do you want to Reluctantly take the safe side and say look we tried we tried retried when we sit this out. Great stuff as always Brett mcmurphy somebody you absolutely need to keep up with to keep to find out what's happening in the world of college football bread. Thank you appreciate you coming on as always. We'll talk soon. Thank. You Paul? Sobering to say the least we are officially out of time for this program, we appreciate all of you for being apart some really interesting guests today will See You right here tomorrow. Listening to the Paul Finebaum, show podcast, the Paul Finebaum show ears weekdays on the SEC network beginning at three eastern.
Yorkshire Ebor Festival 2019 Review | Midweek Racing Tips | Racing Postcast
"The home depot's making it easy to turn your favorite moment into the perfect color for any room with the project color app upload any image then discover the colors and painting match. No you're a swiping to click closer to everything you need for your next project. Explore the most popular colors and trending pallets to find your perfect pate get a colorful new experience with the project color color app then shop our best brands with gallon starting from just twenty four ninety eight at the home depot more saving more doing u._s. Only see store for details here at patty power with a home of the money back special with some incredible offers every single week. Check out the website or app. Today terms and conditions apply eighteen. She plus dot org a welcome to this bank holiday monday. Podcast mattie plow join in the studio by nick watson. We have tom paul nugent on the line from party power. To of course we're going to look back on york during these pious cast so much high quality action to review. We're going to take all pick a bit and see what the louds i think. Rules are going to have a look at some of the action mid week from the lexa tipperary on the sundown on this lawyer steaks on saturday of course that's what we've got to look ahead to and but i as i mentioned let's get started with your gonna go through some of the sort of high profile races and then i'll give you guys trump's to solve interject. Wherever have you like. Let's start off with the great voltage then on logistician who seems to smash the ledger market sort of walk right up his street. I guess tommy looks the only real live certain contender at the minute. Yeah he's seven to four favors favors from sevens after the performance in your book. I there's probably i dunno. They're still you wouldn't know what's lurking in ballydoyle with with the the ledger in mind but hey sixty four at the top of japan as a two one second favourite alongside dragon il paradiso who coincidentally random blinder during your as well and there's a whole host than their intense but yes seven to four favorite <unk> him and then a whole host of as they say japan and ballydoyle horses. We don't know what they're going to win the race just yet. Maybe something could come out of the woodwork. How impressed with the grays beautiful looking horse needs bayton style. Yeah impressed whilst he's still was like he was attended eleven favorite in a four and a favor on race so like obviously ozzie he did it well and did what he was asking a group to us as annoyed by tinky sharp at the moment and even though he is is unbeaten. He looks just torture to me now. Do you think he could be a war or the chinks in his armor potentially in a laser asia is a it's a it is going to be affirmed task. There'd be all sorts of pace angles by the door run as many as they liken us. You wouldn't know am so look. He's still got another question to answer. He's an extremely good horse. He's never group to inner bus again. Five runners ten to eleven trevor like he'd want to be doing that <hes>. Do you know what i mean. Look time'll tell yeah exactly <hes> what's real thoughts on logistician. People seem to be getting carried away but there's plenty to like about him. You know he's a bit sexy as and as you know he's boyfriend collegiate gray. John gallstone is very good. I thought it was a it was a winnable rice. <hes> norway was put into the fractions and no-show constantinople is he's a bit of that. I wouldn't be surprised to see him in joseph's yard. Come to windsor <hes> doing another job <hes> and giving that to go see him. You know beating him as being anything. Amazing look great. I'm not even sure if technically remember postponed winning two voltage or a few years ago really impressive style and he he didn't go to the ledger because they saw mister fantastic middle distance prospect in that's what he turned out to be and i wouldn't be surprised if addition was exactly the same so if he goes then obviously he's the rightful market leader and throw it will probably come onto japan both always thought the his win. You'll probably rose this because he might have other fish to fry. It'll be about aiding brings over think anthony van dyck not the likely one of these go to build a reputation restores in the last couple of starts and he he hasn't really warranted a crack at the offer anything that anita sold about stamina's the he might be the one who goes from megan's law but i wouldn't be totally surprised if legit missed this race and <hes> you know they took the long term view with him and the bit light perspire nakas sort of us. Okay yeah okay so we get too carried away with logistician just that yet then well see you mentioned japan that he's the host. We're going to talk about next thrilling jordan on international. Tom same such a long time ago now but he got the better crystallization in a great finish. I mean you probably say won the race the week but so much help enough to that that maybe a lot of people forgotten about it but he looks at top class colt now knows it was it was a great week but yeah it was fantastic race and and credits a- chris lotions well who went down fighting but japan looks looks very good he goes five from ten and in potty peres our market at the moment so that's a possible target for japan. Do you think he could be able he. He could <hes> but i. I don't think he will <hes> no. I think we're probably on to talk to her about her in a bit more detail. I just can't see it now. Am i think she's absolutely incredible okay. What did you think of japan did win. Surprise you at all. It did slightly yeah. I mean the full there. I i saw a loan to other people. Crystallization just have enough to hold on <hes> and went on his soldiers always. Does you want to make station. East is fantastic so consistent you always have a concern will prevail notable. I mean he's got a little twos next to his name now. He doesn't doesn't do anything wrong. These racist troy's absolutely heart out. You runs over malta mouthful. You wonder if that race against the naval taken out of i'm asking last time out because really put up to he would have been straining every sinew in that race. Ask it so it's come back a couple of weeks later and fundable off again. It's not an easy thing to do. It's a slot the unlucky wilson racing being the third wholesaler cam who just went in yeah he was just kind of working up a bit of a head of steam in but he couldn't get out he couldn't get out when you needed to get any breathing space and you know jim crying out to stop were arguing for a couple of strides just to just to enable him to fund that kind of route through and it happened happen too late for many finished on the heels lead in third. I don't think it would have taken a lot for murphy managed to get out of it quicker for him to be rotten thames with him and he was the one con of not to take out the race japan. Obviously you start with him and all options ripens in. I wouldn't be surprised to see him in yawkey wouldn't be surprised to see him. In the go-to. Ask on champions day. A champion stakes maybe possibly but certainly ruled out the legendary mcconnell see any circumstance would which they would take japan for legend when these proved his class i remind auden to any point in that when they've got others in the altar fulfill the ledger ledger objective but yeah i'm being going forward. I think it could be really interesting. Rematch between him annella ella cameras really come of age in season yeah certainly house. You mentioned jim crowley here next week of course but more of that later usually on these postcards. We wouldn't cover a sales rice in such a way that mom's tipple took the breath away when winning back on earlier in the week. We have to talk about him. Tom i mean as he moved in ante-post markets for that year twelve show for for the commonwealth cope and something similar in the the two thousand guineas they'll just bring it up there now and double check if and he is fourteen from twenties in the two thousand absolutely absolutely incredible. I'm not a fractions expert but i would. I would be a believer in in kind of what what the clock would tell us and apparently his his sections are absolutely incredible so look time will tell but a at the moment very exciting but <hes> as you say it's a sales rose so he needs to goal kick on and do something as at the end of the season but <hes> yeah very very exciting. It's going forward yeah sure is this sort of. I think there's two different camps when we look at this race to sort all the time and sectional boys who are going while the best juvenile poems is in the season well as people who are going. It's a sales race. People might be getting a little bit carried away. Where where do you stand difficult to get a bit carried away and they wouldn't have you seen <hes> and you put your lengths on your rivals. <hes> you know they might not be in an exceptional exceptional bunch and nothing tons right. You'd like to do in an autumn races well to truly kind of gauge where he's by. I mean i would go back to his maiden win. As well adler substance to is well nothing. You'll me the time you came from that bayden soon. I think four of come out one since then so you know what maidens were account that they tend is be good showing again on his second. The overseas is very talented. You know if he was pitched into one of those big. Autumn races degree braces with two year olds then <hes> <hes>. It'll be very interesting to see how he goes. Yeah i'll take a positive view of the performance saw you know. Sometimes these things it's good to be true but i think he deserves to be pitched into a into a big autumn rice. I wouldn't be surprised that's what if you could design an impossible even the season unbeaten yeah there to the whole thing as well as the so he carried a penalty he carried too fan penalty andrey so and to give everything wait on still do what he did like. It's all well and good for something to go off and just bold up and kind of don't ever hear them again but i think the combination of ways and time is very significant in the nicole yeah richard nicole threats win the smart juvenile during the week as well. We'll talk about some of the other younger horses to win a bit later on but i think he's got big plans for both of them. It was quite funny. Actually speaking to charlie ali fellows yesterday for monday jury described him as frank less can also wall people are gonna get upset about that but he was very very impressive. Mums tipple triple another little who impressed shea always does was of course enable when winning the yorkshire actually meet magical again and so modern about you but also the the aftermath was as sort of touching as the race itself because that was last run on british soil we think and frankie dettori he was in tears. Yeah no look. She's obviously an incredibly especially am and is four to five at the top of the market but that's irrelevant. I think in the context of racing racing and and history and and people are looking for that kind a horse of a lifetime you here. I think the very good about always talking about mcabe video fire lap and wings of course enable is that now i think <hes> i think she's she's carved out a place for the record books and at she's she's just an absolute incredible mayor like there was a litter where we were watching it in the offices of fleeting moment where we were like oh hang on a second but then she just turned on the afterburners and does what she always does and just win well and she's just incredible really incredible <hes> but yeah amazing to be alive to see it unfold yeah exactly and i think we will echo those sentiments what sami in terms of what we learned. We didn't learn a great deal. You know she didn't have to improve revolt anything fancy. It wasn't that sort of show stopping performance book ironically. She cheers magical. Every time she runs isn't she. It's not affect she has nothing having built sequence now and having done it on so many different kinds of track senior left handed right handed uphill downhill golden to america last season done that i'm being franz twice on that you know she's really he traveled and you know to its ties itself in knots about comparing him frankel and all this kind of stuff you know the two different in frankel pulverized opponents opponent. She doesn't do it in quite the same style in terms of longevity in terms of her being able to travel to different destinations and produce exactly the same kind of performance <hes> the season indices now is just an exceptional feats and you know she is important for racing tampa was that she featured in a news bulletin. I was watching the news on bbc and she actually featured on the whole tracing very ready. Does it takes a big horse racing story and two featuring the news and often it can be negative one too so the fact that is a positive story about a pretty nice about the show even is frankie dettori that was on board whose interiors <hes> is fantastic and you know going to france aigars. Tom said on the process isn't gonna float your boat particularly. I think the fact that she's going. There is a potential three time winner in the the buzz in the noise always around that race in the first weekend okhta will be brilliant for the game and refined tastic for salsa to see how she gets on and hope she does it. I don't want to be picky. Gabe some people are saying. She's not quite as explosive as she was in a three-year-old seasons and do you buy into not. Do you think she's just as good as she got a bit wise to it now. She's getting older is complete complete relevant to be honest. She finds a way to win. She's she's probably learned the the reason hoses can build up sequences like she has the pro. I believe that you know maybe they do. Keep it will be back for themselves. She isn't flashy like franco. Was you know she went to win. By five or ten she'll go and do what's necessary and that's why oh you are able to reproduce the performances time in time out and that's watson able to to <hes> you know overcoming. She did law season comeback when it comes in deok. Wouldn't that go to america to everyone. This season is kind of money to take her only wanted to take her on in eclipse but she just does what she does. They wanted to take on the next based on ascot she just does. It and i'm really not particularly concerned whether she wins by a length or five links. It doesn't matter the fact is that she's built up a brilliant sequence of wins. That can't be taken away from another thing. It should be yeah. Certainly not you know i'm sure people would agree with that sequence of wins another also built up a really strong sequence is of course stratovarius wounded alone style his second million-pound bonus. Isn't it funny when this was first introduced as people say oh no one's ever going to win it and he's now done it twice. Watson yam similar sentiments you recor about him about neighborly. He's certainly not flashy again. He won boss will margin and yoke but again. He's running overstaying trips which will always you know. It may look like it but it would always take the fact that he just wins. Boss wool margins again suggests that may be just keeps it a little bit back from so does what's necessary and that's enables him to go through the season going from moscow to goods to your winning these big long distance races and you know i mean i suppose the says would say impeaching the same horses and d._s._p. Up again and go big again and maybe you know it's not a very deep pool <hes> but again. I just think nothing it negative to look at it like that. It's not nothing to win these races. It's not easy for him to build up to sequence the has done you know is is very praiseworthy in the top of the tree at the moment and the long continue necessarily see moscow on on trump installed yeah as you say we'll see next year as well fingers crossed that he stays sound tomorrow a mix between the two things whilst he's mentioning but i admire this will cease brilliant but i just like to see something a bit different from him now and you know he's unlikely to go to the ark but i want some fresh off position or i want him to travel. I don't know what do you still decide on the stratovarius issues. I see rear colin from but i think you're possibly being overly harsh. I think i think he's probably one of the great stairs of of the the modern era i would say <hes> he's kind of. He just does enough okay yeah. He's beating the same opposition but a bit like any good kind of football team or whatever you can win and styler when ugly it doesn't matter he just wins and gets it on. I think that's probably the big comes from campaign is an incredible and it it as you say about that stairs bonus thing and people were thinking oh it was never going to happen. I i think that's something that's a policy that i think the the powers that be weatherbys etc going to need to stick behind for it's gonna take five years plus of kind of breeding industry to be influenced to maybe consider acidic breeding astaire to kind of go for those targets particularly the owner-breeder so i i it does a fantastic initiative and and things like the million pound e were help as as well but <hes> yeah no. I think stratovarius and south is fantastic sayer and <hes> i i wouldn't have crab won't have owned listen to hey. Hey i'm just doing this in the interest in balance i really liked is bit of a legend really now isn't it from one end of the distance spectrum to the other will go to to the nunthorpe ampato. She blew them away new course record by by deja anti punish those york down swazi you did a fantastic performance wasn't expecting knows on the show last week and say much ought be with with agencies very disappointing at ten now yeah but yeah and it's kind of because he's guilty and gives them the freedom to go for these kind of things because commercial considerations on a factor for him say the fact these. He's failed twice in other circuit if they didn't it for connections to go. We're not going to wipe some of the tailgate. We're going to give it one loss. Go and it paid off was kind of brave but like i i said because he is a gelding it gives them the freedom to be able to do things on that because they've got no worries about future breeding or anything like that so they can roll the dice as as many times as i oh i can and this time it would add to absolute perfection and think what is worthy of praise way charlie hills is trying to source because obviously it must be very headstrong especially in his younger days i mean having gelded presumed whose hearts control <hes> always had the speed but he has it kind of channel it into the right areas and all that kind of stuff and that sometimes being his downfall. I think this reis book to absolutely perfect night. Odds blasts off from the front and you you know he's just able to sit in behind us. I pretty cruising speed and and and then you know <hes> the rice absolutely perfect perfectly for i'm so showed that there's demons in the track whatsoever. <hes> shows the settled down mentally because he's a gelding office. I think we'll see him for a few more years yet because there's no <hes> insensitive to retire him at this stage is keep going and i think they'll be very very keen off. I think the last horizon for them is royal ascot because it's the one place there's beaten him. So far. Maybe it's that stefan furlong no but blue points always just how does measure ascot but they'll get another crack of the whip hopefully next summer and if he can win if he can win their kingston's go alongside nunthorpe in the abbey then you know i mean he's already in the top echelons of course in the course record at you'll say absolutely fantastic antastic but i think the cherry on the cake for connections will be a royal ascot winds him yet tom i mean it was hard to believe that that was just a second group. One win people are talking about it was one of the fastest horse we've seen in an awful long time and hopefully now we can really start to keep that consistency. Whatever truck is running out. I think the big thing for those sprinters is a bit of maturity innovative age. You can often see before the legs of the communist coop came along the kind of three and four year olds vendors often fell off the radar later a little bit and kind of came back on the scene when they hit five but hashes is a five year all night which is actually a scary thing favourable yelling. He's got a number of seasons on still left in them please. He's got if he stays sound and he's got the best is yet to comb potassium becoming a little bit more reliable. No i would have been very much of the opinion that he generally you went off very short. I think on his five runs last season he was odds-on and three of them and the kind of is generally favored a very short in the market just just found himself found a way to get beaten often <hes> but but this year is shown a bit more bit more consistency only eaten only beaten the ones in his four owns essay joe second back into blue point royal ascot so shown a little bit more maturity showing a bit more professionalism and a year at the best is yet to come from him very exciting going forward it certainly is <hes> we'll get onto the feature of the weeks and the wool million-pound ebl one by mr j in pretty emphatic stall ultimately tell jerry lines of course the prize went back to ireland absolutely bolted up to a still to be seen what the plan is. I was kind of ebor. Everyone thinks the amendment cope is the next step was bought by australian bloodstock cousin and in a fair share so i think he will go that way that is the if that is the case he goes into the to the melbourne cup market at sixteen to one but yeah no it was a great performance nonetheless and and <hes> very very very impressive caught me completely off guard yeah no but did it well. Yeah i mean fifth in the race last year. I think it was full. Force yet. I stand corrected and some good runs this season. What so you wanna mind for the race but then also the plump with rain how sued title no shows and that was frustrating book. I think such a good rights wasn't it and also it was really easy. Yeah well see he did it very comfortably. It's funny how these things work out thomas ago <hes> was just talking to the weekend the <hes> last week about codeine because post and does it's gone on so fantastic result for him and he was just utilizing about cutting keen last week saying what a fantastic jokey is and <hes> you know he obviously he's the best around moment and presto he goes and win win big saturday race on on on mr j fantastic tastic result fantastic win six hundred grand in pocket so so great for great for connections <hes>. There's a couple of hard-luck stories in behind. You always get in football all sense. He was unlucky not finished closer and held up a couple of times finished with a bit varietal but i think they would have had to speak mr jerus- really good win on the day yeah i mean i was speaking to knowledge early on saturday. He was really keen on raymond tusk and he jamie spencer special whichever way you want to slice it. He was very unlucky. Nothing you'd be frustrated if you back him so commiserations. We'd nile anyway before we move on to the mid week action. Let's just quick chat about some of the juvenile's else we've not mentioned vowed immoral living in the past we also had action from ireland so armory in alpine style when the two teams over there and then threats and alligator alley as well who you most impressed by what sounded up bunched you think we ignore staple yeah. No i think the voice is heard more significance long-term than the wants to your class week. Threat one noise to me just seems like a workmanlike honda who <hes> who eventually will find his level may be they don't seem as potential guineas winner the moment put it that way and the irish races on the whole week <hes> yarmuth looking very good indeed and and i think long term they would have more significance than than maybe the york win is living in a pass one nicely again unless she takes a leap forward autumn which he may do you never know so. I wouldn't be too overly infused about your racist but very enthused about the irish. Also we think yeah i would agree with you may not much to strengthen the my did like the performance of baltimore though he was sort of one in the mount of really nice horse but remains to be seen how strong wrong up for mr tom. What did you think of the action very impressive arm arena. I have to say i think he's his seasons point kind of a slowly <unk> gently approach. It's coming together quite noisy no and i. I was very impressive him. I thought he was the one to take out of all the all the two year election over the weekend and he's the second favourite for the two thousand guineas next season armory tend to one in pinatubo fantastic as promise. We'll take a break now but if you wanna get your hands john's on the racing post data to study ahead of those classics or indeed for the weekend then make sure you join our members club everything you could ever want in. That package was see you in a moment. What's my horses. Handicap the fuck that your name everyone loves a newbie. That's why poti power games are giving new customers. Sixty free spins on daily jackpot games games customers. Only one per customer says he's applying agent plus become louisville talk. Welcome back to this woman a post cast wigan look some of the action amid week. Now now on a lot of its irish dominated this week on thursday tipperary six twenty five is the coolmore stood fairy bridge stakes a group three for the phillies amazed over seven seven and a half furlongs last year's one by one master he went onto win the prix love for a group of course there could well. We were following. We've got into the high profile naming hearing that scotus gutter could be returning yes. She's she's entered here and <hes> in the car on roy. This'll be interesting to see where she shows up. A lot of people waiting for her return earn but there is philly here when a putty to me is called silk forest that wanna leper sound a couple of weeks ago. She's a kodiak philly and i thought that she was very very good and she'd be willing to keep onsite here. She does wrong worth noting that. I think english horses that are brought over for for these type raises particularly to ed group the group and listed races in tipperary on on thursday night generally have quite a good record as these kind of i've level of of raises a lot of the decent horses that level in ireland get sold at this time of the air <hes> and end up leaving the country and so it can be sometimes sometimes at depleted kind of population so it's it's there for the picking in terms of of death for some of those english arses keep an eye out for some of those that do come over good point very very good point indeed interesting that some of them sold at that point. We'll take a good race last year and who took you ride this time around well. Obviously tom sawyer mentioned schizophrenia schizo sketch. It will be interesting to see how she does not run. Since <hes> she turned up for the one thousand guineas beat one then suddenly wouldn't want to be taking taking a short price about her and how she processed mentioned she'll start favor on the count what she did a two year old and you know she's back to pets you probably win but there is that big question while she hasn't can be seen what over the summer and she's making kind of big philly. Either ish is a belated return isn't it obviously things went awry for her. In the spring <hes> she must have had little initials something maybe just being left for awhile to to fund a self but sam yeah who who has been winning lately mom rometty surrounding <hes> one loss to who starts one of the three at fairyhouse listed race at galway much more recent full which is what you want to see rather take that on board the whole satanic after a long absence evening though she didn't show huge amount causes a two year old yeah indeed in the south behind her motion that one thousand guineas at newmarket will be good see skittish scott's. That's about anyway fingers crossed. She appears one of these races. We're going to look at the six fifty. Five is rice homes already mentioned. It's the aba goon stakes. Hopefully i'm pronouncing that correctly a listed race over five furlongs and again some classy sprinters ended up here hit the sergei prokofiev toma just want to touch on him because they seem to hold him in really anyhow regard as a juvenile and even at the start of this year but thinks some really happened for him. He put in some very good performances. Even as you say just hasn't really gone to plan. This season isn't whatever about english ours is coming over and kind of <hes> being quite successful in those at three year old and a kind of screw three raises particularly in sprints. The irish aspirin division is isn't the strongest and this looks really for the picking for for an english horses well <hes> the one i liked here was intense moments for michael dods. Ed's hasn't quite inspired wouldn't inspire you with us to run so far this season but i am the ground at the moment in tipperary according to the racing post at website website is described as a heavy now we did have quite the joy weekend here so the droid a little bit intense romance the intense focus mayor. She's she likes an digging even the ground looking at her farm from last season so she could be one to keep an eye on mr obama really big fan of hers and you're right if that range us fallin is soft ground she will absolutely love. I thought say i'm an agreement with you on intense roy msa what see i mean. We'll go back to sergei prokofiev because we've seen him in some contest save a hair. I think he ran behind maps crossing the palace south start the season i mean he's a bit of a funny one isn't he is he good on occasions and he's obviously go. You know a lot of speed this. This is bebe crouse rage racer him for me because his loss to run. Something disappointing dropped him in the levels. You know this is done through listed racy for you think he'd be competitive but you know you might not want to testing the <hes> so whether he actually turns up on we haven't you know fallen will decks as we speak at the moment so after what shot one to see if he's actually entered a not another a disappointing rodney <unk> be tempted to put him on the sweb list you know because he hasn't quite achieved what we thought might do. One stage you did mention hit the hit the bid he would be the more interesting one for me. It does have absence to become he's run since may down in march but he was a very second in this race on season so i don't know if this is being the plans to reintroduce him in this race and go good truck foam could cause for an rents wouldn't last year he would be of interest to me but <hes> let's see the makeup of the final field before yeah yeah as you say the bit irregular the made unconscionable really talented sprint strongest. Maybe this could be one for him to pick up. Maybe it'd be a prep <unk> things on friday we have the six twenty out the courage the snow fairy philly steaks agreed three over amal and one furlong again no confirmation comfirmation say but some really interesting entries. <hes> tom i mean is there. Jose don's hours someone could be favorite is a good little race this i am i would say this will probably real revolve around weather. Red t runs are not for joseph m. I'd say she might be close enough. The top of the betting <hes> she is the highest ratings at the moment on one away but the one i toss might be were taken a chance with again was that richard o'brien's dean street doll who got a lot of things wagon when she finished second in the one thousand guineas royal leopardstown earlier in the year now ryan in the car and finished v <hes> but then settled ten furlongs enlisted arrest last day was eased own so obviously they have her kind of some way right again and if she runs here she could be issued be interesting she. She looked quite a talented fairly early in the season and she could be. She wanted to keep onsite fantastic. You mentioned some others run off breakdown. Just randomly i got s._c. Was impressive last time encapsulation who now on his trained boundary boating raw all as well and what say the one i thought was interesting was amount offer william haggas. He does quite well in these irish racism progressive helium one quite nicely last time so i'd be interested safe. She turned up at least. What did you think there's a few interesting british. Watkinson told me because really good point. This is probably concert to come over. British trained runners a show of imagination and get mentioned in these races because it could you know you can win some decent pulse and they need that this week <hes> ruled one was quite interesting around macaw while in the goodwood lost time in the nascar dadri finish that go to fee places to nine <hes> banging ahead against a little bit on the highest level dropping down to a group three from a group one lost on the race that she could easily win and get involved in and get off the mark for the season so it could be reduction for her but said early days in the week we come go the final text. The mine are wentz then cutting off chintzy for her. Yeah really consistent that this sort of level ruled. She deserves a wind doesn't she. <hes> we won't go into any great detail but the big race up to look forward to on saturday is of course the solorio stakes at sundown its to twenty-five group three seven phones when in recent as i mean to don hot last year we had massar we had kingman raven's pass before but it's actually does a really good stepping steinem last couple of seasons two big race success and the entries have just come out. I mean we have the likes of al suheil ca meco visine ari thunderous positive will be representing not pinatubo hubei form of course from a good so be interesting to see finally turns up some and getting this race is is to keep an eye on with regards to feature star <hes> yeah definitely i think i think we've we've kind of seen a lot of decent forum. Ryan's committed this larry decor. Messiah wanted a couple of years ago and romanized running behind tim so like it. It definitely produces quality and yeah definitely won't keep an eye on yeah. Well see i mean i said these inches. Just come out so we have an odd chance of a real good. Look at them yet but it's got a good pedigree this reysen. I'm excited for you. Hit the nail in the head. You can easily be blindsided and weeks like this because it's very quiet generating. We've just come off the back of a major festival in kind of just your off a little bit but as you mentioned it would be unwise to do that because the salary as producer fantastic courses you're after look back not to mention go to don houghton sarin <hes> ravens pa so it could throw up something good <hes> also interesting visiting off a very interesting because you talked about the figures boys later in the program and they were upset. He you know going mental after visionary one on debut new market <hes> this bean looks kind of big kind of awkward holes that needs a bit of telling since then. Maybe we'll happening a bit too quick for him but they write them and back then this was is uh-huh mustard so maybe he'll give him an opportunity to to get back on track. You know he's but definitely a race to the old cliche. Set the video recorder four and make sure you tune in and watch it exactly. I'm sure many people are going to be interested in how also focused on you spoke about him really really impressive yarmuth win last time but plenty of others promising in their briefs on the team. We'll be back on friday in more detail as well as the rest of the saturday and i tv card so make sure you stay tuned inflow checkout parties rewards club simply place five beds of ten pounds or more across any sport a week and you'll get a free ten pound then next week teams play plus begun to welcome. Oh come on this funny installment of friday post cast and we've looked at some of the irish action mid week but i'm going to spend you through the meetings now a tomorrow we have epsom rippin botham also brought by roy wednesday is lingfield muscle broadcast rick belly's tom wasting camps and the is fox last chelmsford. Call blues townfolk well said food and tipperary. I'm fridays bangalore india thirsk sundown wolverhampton hamilton newcastle and the curragh now before we get naps what sooner you only go to not this week so i'm hoping it's going to be good at tom. What do you think i mean. There's some good racing at bala tomorrow with lots of moon over germany repairing against ordinary world and horses like that yeah. That's a that's a great little race. Actually my next best band of the week is in tipperary. Horizon is in the twenty five affiliate dermott. Wells called florence camille meal who finished at third in car debut and i thought you'd take <hes> she that was something to build on and she takes good step forward so i think she is the most likely win her on a temporary thursday five twenty five if she runs fabulous. Thanks very much for that. Tell them we will get those naps as promised now this will aw be be very intrigued. What's he take it. Away is running down on fraud in three fifty cool tempests. <hes> comes mm some really really good family. Damn passage of time is a woman in her in her racing career produced contest. I think it was a very good horse as well for roger charlton rudy really good long good pedigree <hes> running in a handicap off ninety one <hes> one last two starts last time out. I'll be amazed. I used if <hes> if tempers didn't prevent the ninety cat prince on so should be winning off ninety one on friday yeah. It's interesting you. He caught my eyes well. I think he's got a bit of a break cousin. Ian roger chan see per day sources as an a._c._o. Short tempest will be one to keep an eye on for the future and tom yonap care <hes> <hes> in the four forty and balanced thursday <hes> she won a rough common bumper on her third start and then was going very well in a maiden hurdle in the goal with <unk> at the galway festival at one combed down. She won her maiden hurdle in s logo on the twentieth winning very very well and she's in fourteen four forty percent on thursday and i think she could go very very well fantastic. Thanks to woolsey onto tom for their contributions today. Just remind up before we leave you to download the racing. I stopped scotto. You need on that old. Race calls exclusive sawn of offers from the bookmakers. No need to leave the app. If you only have a bet so make sure you get hold of like if you haven't already not sits it's for today as i mentioned. Please make sure to rate review unsubscribe and we'll see party. 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Hour 3: 10/29/19
"All other purchases now when you go out you cash in what's in your wallet terms apply the cried passion and patterns the Paul Finebaum Show podcast has been brought to you by the capital one sabre card earned four percent cashback on dining and entertainment two percent of grocery stores and one percent on when it comes to their basketball program but I mean I feel like they need to really show up to the plate because we know the Alabama's Oregon or Oklahoma regardless it's just a really tight win for both of those teams the world the Clemson's the Ohio states and You know it's it's something to show up for I mean I'll come back to Lsu at Lsu Auburn is clearly the best to win team in in college football hands down there's there's no question about attempts but you know for what it's worth I mean I feel like they need to settle with conference they're independent and it is but I really feel like regardless of who wins this game coming up I feel like we're going to have to SEC teams in the playoff unless teams and they just don't have the team speed to outflank Georgia or outflank Clemson or anything like that and I truly think that he's out code nationally televised game they are down by seven or ten points before they realized that the game is started and the other thing that I think even when Notre Dame the Mississippi Hello Tom Paul how are you this afternoon we were doing great thank you for calling us look I wanted to weigh in on the Brian Kelly thing but I want is in Tennessee John Welcome to our show after him Hey Paul how are you good thank you for calling yeah first time caller on that and if I'm GonNa make a prediction for Bama Lsu are really think I'm obamacare and then he's got the offensive coordinator calling plays and they they get too cute they want to be known as having a very solid offense of line and if you've got I'd pump the brakes on Gus Malzahn that defense is legit and that kid knicks is just GonNa get better and better now going back to Notre Dame offense align that you believe in your like Georgia you get north and south with the running back Notre Dame has improved but they're constantly trying to outflank plays a lesser team. I think Brian Kelly gets out coached on a regular basis I think he's too cute as a play caller and his offensive in almost every week well I wouldn't say every week but certainly in big games His record is abysmal thank you very very much John Florida with one of Florida's top wide receivers that in the final hour shafter now let's get back to the calls in Tom is up next ah at what point do we see them merge with either the big ten or the ACC we know that there in the ACC but on a dimension about that caller from Auburn you gotTa Rookie quarterback that lost three point game to Florida at Florida and you got a rookie quarterback that lost three point game really interested in your show and I'll add onto that I I'll agree with Notre Dame fans I see him in the playoffs every year they make chances they game I love what you've said about him because I thought since two thousand twelve they should've they should've cut Brian Kelly loose every time we see Notre Dame on I don't WanNa take up anymore your time but that's all I got right now we'll thank you thank you very very much for your call agree with pretty much everything you said there he's him with Urban Meyer is that correct what you said well listen let me make clear I wasn't giving a commencement speech and this was my do anything we can to win that's programs go that's why they end up with coaches and I think urban Meyer is a fantastic coach Do I think much of them elsewhere uh Kyle in Kentucky Hey Kyle Hey bob how're you doing first time caller thank you I a little bit about Charlie monger so they've been together forever anyway Alabama Lsu so I think the with Back Jones what do you think Paul Yeah listen I I don't know yet naked on I'm not ever rings but if you're simply trading one coach for another to try to win a championship and selling your soul at the door urban Meyer is your guy agree with that swear no but that's not what we're talking about here are you hiring a football coach to win games are you hiring football coach to be the molder of young nine billion but you know Warren Buffett's like eighty five billion he's successful but he's not Warren Buffett it's like all successful they're not Alabama makers today the line is not out it won't be out until the two situation settles down that is a that's an offshore line they're wealthy but through like fifteen times less than Warren Buffett is I mean they're big because Alabama's the word and what I would call the there that Charlie Munger Cov- Warren Buffett so that's why they're very successful ingrate analysis I into that because a friend of mine many years ago was a student of Berkshire hathaway ended up writing a book about Warren Buffett so I I I think it will be back Jones in what I wanted to get your opinion on his I think Alabama Beats Lsu at home by three plus points uh-huh conclusion I was on a TV show this morning here in New York We were talking about Brian Kelly and I I simply said if line team Al Alabama's eight point favorite I think they're assuming that too is GonNa play I personally believe that too will not let saying it's going to be wrong I think it will probably come down if you go back a month ago that line was probably nine to ten points that's just a perception of the betting public Tamera wise they would they would by Brian Kelly out and replace him with Urban Meyer. I am acutely aware you are of the baggage urban Meyer in June and July when when they're when there really isn't any supervision and everybody goes home and okay well I appreciate you taking my call I'd say go tigers Lsu thank you all the way all right have you on I really do appreciate it let's check in next with Lance you know I I think he needs to he needs a good fit in Tennessee but that way well kyle thank you I I I am I I always like to say that because Vegas does not pick winners they try to get even money on both sides let's grab some more calls here Alan is up next Hello Alan good afternoon good afternoon lance how you doing Sir I'm from I'm from East Tennessee out of question about Tennessee vol's and how they fight thank you so I just wanted to touch upon the allburn caller and when whenever like I'm high on Auburn I think they've been a great team I didn't realize that Oh oh yeah it was forty three forty one gay and our condolences to Shaquille O'Neal who was going to be the Magic City Classic Ambassador we understand he lost his sister and then so now my question is is it just me or has there been no off the field incident been very critical of Urban Meyer and I've got a lot of people say to me they why why would you say that well I just think I talked to a Notre Dame fan today and he said you know it's time for us to as far as that goes but as far as ethics morals go and he's every everywhere and everybody's being they've always been a shadow creeping in the dark there uh-huh with college programs particularly in the SEC this season well there have been some there haven't been as many as I didn't realize that and so what does that portend for Saturday afternoon in Jacksonville well I didn't actually hear what you said on the intro I just heard in a moment with Seth Emerson covers dogs he is right around the corner you're listening to the Paul Finebaum show podcast now suffering fans the multiple names for the game tell us the best way to win the game well history will have to reverse itself a little bit hey Paul thanks for taking my call it's been a while since I've given you a call comment WanNa make a comment and then a question comment then yeah don't laugh let's check in with Nick who was in Florida Hey Nikko right ahead hi the game is won the last thirteen meetings Emerson covers college football and the dogs for the Athletic Seth Thank you Greg Glad you're here I did a story Monday on the athletic I'm doing a story that I think we'll be online tonight tomorrow but Monday story was bill and curb smart has had a huge advantage over Dan Mullen on the other side of the ball so for all the momentum that Florida seems to have in Georgia does not seem to have the XS and os the schematics part of it would seem to favor Georgia at this point but what I've seen of him lately I mean if you could just wipe away that first game which I think ended up was two losses instead of one this season would be in really good shape but you can't do that and he's had to make up and Steal Games where he can I think he got one back the other day and if he can finish strong then but Florida would have to lose a couple games and Georgia would have to run the table yeah I don't there's obviously not real tangible pressure what's going on there but it's been it's been refreshing that there's not been any incident no you know usually the biggest problems occur in game doesn't go his way or Auburn game doesn't they just don't win the SEC east or if they don't win the Sec Championship but will but by Dr Pepper well we heard from Kirby smart during the break team to win rushing battle in Georgia Florida game Florida's under Diana and I agree with that I agree that change is good you know it's time he's had his course you know it's it's been there it's it's over with but to reply about how Georgia has basically mastered todd randoms defense since he left here they're three and all against him since he was at Florida and Mississippi state and Lewis they haven't been that many to get attention since the season started thank goodness yes yes so I don't know if that's Kudos to the coaches are are just other people as well who have been hyping this program and saying the national championship is inevitable and and so you're seeing a natural I think back awards apparently in Florida as I just call it the cocktail party game well tell us the now that we've established it question I've gotten quite a few times already this week in in relation to pressure on Kirby Smart I know that that sounds on one look at this as a loss season which essentially it will be I think technically Georgia would still have a chance to win the east there that'll happen if they lose one more game in the regular so you'll be able to say two thousand seventeen they want thirteen and two trip national championship last year didn't get quiet as far and this year didn't even get that far but we have to see we have to see if the South Carolina Game uh-huh Warren Buffett There Charlie Munger is and that's all I want to say about their Adelaide sure is a billionaire so don't forget he absolutely is one point nine I want to congratulate Alabama Am University for winning the seventy eighth magic city classic triple overtime and in the rain going to dodge your question but I I really WanNa make sure I know where to is before I start diving into that it's way way too early but I checked with AH wakeup call that will propel them back to where they've been the last two years or whether it was just an indication of a team that's not that good one hand to be ridiculous but this is a game that should Georgia lose to say the to say in state the obvious a lot of dog fans are brought it on himself other than being successful but you've had Georgia fans you've had media types that's me included on Kirby smart from the people that matter there isn't really even from the fans but you're right they'll be that turn in some areas of this longest people were expecting 'cause everything was set up for Georgia to win that game easily the matchups favor Georgia a lot of that is just kind of a natural reaction to all the hype that has accrued over the last couple of years with the runs were made in two thousand seventeen well the Notre Dame game it turns out was an indication of a team that had some flaws and that was not as strong the XS and Os matchup in that game the atmosphere was so electric and Notre Dame actually led most of the first half and it took I think fans are going to be upbeat if he doesn't and the he'll face a very critical thir- third year we're heading to a break we'll talk a little about Georgia football until the second half for Georgia to take control at home and then you saw Notre Dame get throttled by Michigan over the weekend you see South Carolina hasn't gone on any run in fact flashed that as they've not gotten it and as they've actually seemed to backslide a little bit but they haven't officially backslid yet this season within him you know he's he's the you mean what he will be leading up to the game or in the guys to to give them that Dr do better lance I think right now Jeremy Pruitt is coach I was extremely impressed with so hard when it comes to Alabama and certain teams but we lay the eggs with others what top coats we need to have to really put the up and finally the rivalry in every one of these questions seems easy except if Georgia loses that means Florida Win Action of Kirby Smart is going to be post what we've seen in the last two weeks and I bring that up because last year it seemed like the Lsu loss lit something and it also could mean that Mullen and grant them or just do and like I said the momentum definitely seems in Florida's favorite right now says let's talk about the struggling a little bit talk down the one that's doing well so I think you take that approach overall and he's trying to build some confidence back uh-huh and you start to go how did this happen Kirby Smart Ahead of Dan Mullen Kirby smart established that's that's where I'm really interested in you know he's Kinda gone back to being a little bit more positive almost relaxed since the South Carolina game a little bit more relaxed Yeah I think what I mean pressure listen we all know Kirby smart as is safe I it's just in terms of of not meeting into especially the offense just like I think any coach probably would talking to Seth Emerson they're a better team than that and they're still as good as people expected them to be what do you think the line and kind of pushing back against the narrative that struggling when you ask them about the defense which doesn't get asked about much 'cause they're not struggling but when he gets asked about it they've gone back to being South Carolina since they lost and and you say man this is this Georgia team good at all and they just might not be very good at all but it it depends also on you're asking about you know you ask about the offense and he's expressing confidence in jake from offensive one problem something I actually just ran across on the ESPN APP one kind of talk to you about is you actually work on for the fire Iran Kalian Avenue are you start criticize it and says you guys are hyping them up too much it's just the kind of classic Bill Belichick Bill parcells Nick Sabin talked up the unit that's doing Dan that's a worrisome sign in Georgia has to go out on its own now and prove that look they just didn't show up against South Carolina but of College football leaves here the Paul Finebaum show our three podcast while back a couple of more guests we'll talk about Georgia and season they had last year on top of it and the recruiting they've had off the field none of this has been curvy smart really himself bringing it on himself he hasn't unwrapping this conversation up if this game goes against Georgia how how bitter is that at least for the fans well we keep the ten -tations and and then you know sound like the season's over the Auburn looms around the corner and it's just it to me would you know for the fresh Georgia fans were frustrated after beating Notre Dame I can't imagine what it's going to be like if they lose this game this game on top of South Carolina you say Georgia Florida and Florida Georgia game so thank you for doing it that way because I don't know which one do you it's Georgia Florida here it's Florida momentum is going in Florida's favor and you even if Georgia wins I think you do have to take a step back and remember at the start of the season was a fait accompli that Georgia was GonNa win all these conversations continue to pick on you can be used to be like almost assuming a Florida win because the yeah like I said I think at the start of this a late Tuesday afternoon great to have you on an joe is up next hey joe is our next time you're listening to the Paul Finebaum Show podcast you welcome back we're glad you're here on but I'd also cautioned the season I hope this they could go out beat Florida run the table right back in Atlanta playing Alabama or Lsu a good motivator and a good recruiter can he can he coach as well and I think we do have short memories I think we forget that he was the one who was the head coach asked to be made up yet it would take until two thousand twenty two thousand twenty one needs a few good recruiting classes and he hasn't really had that many great recruiting classes the talent gap between Georgia and Florida right now is still very wide and you could even argue that if Georgia wins this game even convincingly it's like well that's what they should on since then that is a good recruiter it's a matter of putting it all together and and you may need a year like this to reevaluate some things and and considering the talent on each team's field I mean compare the five stars at Georgia versus the Five Stars at Florida I think Georgia gave Florida it's five star with brands see if you're you if you got it right with the offense maybe they do need to look at how they run their offense and their philosophy whether it needs to be updated and such talks transfer you're right from Georgia or Florida in August and they may have another five star or a few more faster I don't I don't know honestly but that first Saturday December I'm sure that's exactly what will happen Seth always great to have you on we will talk to you very soon see this weekend which your point a minute ago makes us even more difficult that Kirby smart was one play away from winning the National Championship and now we're wondering if he can beat Florida which didn't even seem possible a pretty convincing convincingly and with great clarity we'll talk about Florida's side of this game a little bit later on before we do that your phone double if he could lose to Florida which didn't even seem possible year ago yeah and I think he's shoot showed in that two thousand seventeen he's he's a good coach and on the sideline that two thousand seventeen season when they were one play away from winning a national championship. No listen I'm not I'm not saying this isn't true young age coming into college football he will be a great quarterback when he's developed now to your gentlemen but yeah the reverse of it though is that if Florida does win this then that's GonNa be pointed out a lot it's going to be pointed out look Dan mullins a really good coach and showed it to me this with you state now he's getting just a little bit better talent and look what he's doing and look what he's GonNa do black because both knicks is a freshman ain't nobody getting down on Bonex we love both Knicks he's going to be a great quarterback he's going to be the SEC east if he's able to recruit even better and that's something that Kirby's Mars GonNa continue to answer for is he is more than just a thanks for yeah I mean listen you you ask questions because you're looking for perspectives and I think I think chef laid it out pretty I'm not sure who's going to win the game I have no earthly idea I just I know how fans react that that's the only reason I've calcium and and I think that basically follow in the footsteps and His dad he has to count this just the thing that coach Malzahn is not protecting him and not putting him in the right place for mm-hmm we just need to coaching staff to get us there and not only that we can remember the Florida a team in Florida that can play Florida and give them a good robbery to stand up to the Iron Bowl then thank you Paul thank you appreciate Doug is in South Carolina Hello Doug Welcome to our show good afternoon hey how you doing Paul Okay thank you yeah I just WanNa tell you few weeks back you and our having a conversation and I told you that South Carolina be that called from Florida talking about as being millionaires and everything and just wanting to fight to get up to where we're as good as Bama where we are as good as I Paul I got comment to you callers just called in just a minute to go the gym from Mississippi talking about everybody needs to cook some some the winter the desert for a long time before they finally got it right we lost five games in a row to the game cops but we hailed come talk to us oh wait a minute they do have won the crown. UCF kind of program we got because we've been showcasing our talent against teams that are are not as good as as what we are and that's not thank you what they want is they want a coach like spurrier that will come in there and turn that program around and make it be instincts the people that send your division of your conference and you would be forced to schedule at least one opponent out of the other power five conferences the L. Listen I never tried to tell fan bases what they should or shouldn't think but but I do have to ask the question what is what a game cock fans want array throw poor foil under the bus if he lost a couple of games and I thought that Georgia game would help them out a little bit and kind of ease their pain like I said it's good to know your adversary and when they don't play the Tigers believe it or not I pull for them is good for my state pull for them I I really that's not our fault we didn't make the schedule but I will tell you this the other night when the Florida athletic director reached out and wanted to schedule Games around and kept our coach what coach we ended up getting you just never know you know and he's turned out program around and we own the right coach twenty it already decided he was scheduled Georgia so we're going to get Georgia back on the schedule and I think they've done a game they're gonNA do when they had most channels when Michael Wood and how much they were crying so when he finds talked about doing one with Florida home in Homedale and that would be good now listen I I think you know I was pretty track now I do admit that ACC is on a downturn this year and that's hurting us and the national Spotlight because people really don't know what all right so you Paul thank you very much I agree with him James is in Birmingham James Hey Paul how are you doing Alabama Beats Lsu okay number one Alabama cousins Jordan all beats them now the committee thing Games Listen I we all remember what happened two years ago but in
Hour 4: Pat Dooley & Calls
"When deciding how and when to safely return to the workplace you need to be informed. That's why IBM Watson helps. You prioritize employee safety with Watson works a set of a infused capabilities. Let's put smart to work visit IBM DOT COM Slash Watson works to learn more. Tried passionate patron tree of college football leaves here. The, Paul Finebaum show our four podcast. We welcome you back and you heard many people talk about. Returning to play safely and we've by all accounts The medical experts have seriously disagreed You heard Bruce Feldman about an hour go talk about how most of the coaches have not all in the PAC twelve after hearing medical presentation agreed the big ten has been more muddled. But what about in the SEC we've not heard a lot of other than. anecdotally but we have some information now coming to US courtesy of the athletic Josh Kendall is quoting. Dr Catherine O'Neill WHO's an infectious disease expert and she's an assistant professor. At Lsu Health Science Center and she said I would say we have seen enough to develop a safe plan they meeting the big ten in the pack twelve have not even even ID doctors or competitive apparently our plan was earlier our plan was based on an experience that they had they had not yet done and we implemented that plan faster than they did for that reason so we could prepare for this. So we feel confident in our plan I. Think our football teams can absolutely get through this I. Think our athletic departments can absolutely get through this I worry about our community and outside forces that we can't control. So some very interesting comments again, that is one doctor she is on the Medical Task Force I'm sure the big ten duckers. Don't appreciate that. But that was that was those were fighting words there from the dock we are going to continue. With more of your phone calls at eight, five, five, two, four, two, seven, two, eight, five, and Logan. You know what I excuse me Logan you know what? I got got from that doctor that. The coaches are competitive and even the doctors are saying we're better than you are good afternoon. Hey Paul how are you doing today? Okay. I'm loving it man I I. Hope we keep getting some good positives, information I just I augie Kaunda trigger, something a memory in my mind I wanted to If I have a few minutes recount a story of a former se coach that I met once in a weird place. He were my friend a couple of friends of ours. We're going up to a pearl jam show in Atlanta. We used to live down in South Alabama. So we went up. And we went to the show. and. As we were to back down, we stopped at a gas station I don't for whatever reason maybe to get some gas or whatever but I, remember walking in seeing this really nice towncar. Pull up beside us. And Out of the Corner Ma I see this guy that looks just like Terry ballot and now this was in two thousand. So. You know I'm an Alabama Fan. So I hated Terry about you know I despise them, and so I'm thinking like what what is he doing here? And So we walk in there and go get whatever we wanted to buy, and we get into line and My friend Scott's standing behind me in line and Terry Bowden walks up. Beside him and. He's complaining that they don't have the rotisserie hotdogs. You know like those There's really nasty things you buy and the gas stations he's like complaining about them not having. So I'm sitting there thinking like is this really Terry Bowden I can't believe this. You know this is weird. It's probably like Eleven o'clock at night. And so always said, you know I would give them a piece of my mind I've ever met him. But Paul I chickened out man I didn't say anything to him. You know who he was. My friend Scott. Turns around and ask him he goes hey. Are you Terry Bowden former coach of Auburn divers. When he gets yes, I am. and. He's like, what are you up to nowadays man? He's like I got this great job in New York. City. I'm driving up there right now. To. Be a host of some show. And I just thought it was the weirdest thing the most surreal. This pandemic when this pandemic ends and we can get together I will entertain you for hours with material Algan stories that will. Make your hair stand. Okay. I can imagine. I once. Was About a month into a project about writing a an expose on his tenure at Auburn There was a New York publisher that wants to do it and I was pretty a month into a project and I finally gave up onto because it was going to create some much. Litigation that I didn't really want to spend the rest of my career fighting the Bowden family but but anyway, you brought back some. Some great memories. Zach is up next. Another North Carolina call. We've been heavy in the tar heel state today. Hello. Zack. Hey Paul thanks Michael, how you doing thank you. I just wanted to say I have to listen to to podcasts them away home from work. So I'm usually about two hours behind Now I WANNA say I do fully understand the seriousness of what's going on but. I love the football part of this show. So we'll try to bring a little fun back to it. if GM is so upset about the bulldogs coming into custody Lusa he you know the first game of the season he doesn't have to you know risk a hundred thousand dollars on just send the season down I understand that. I'm not sure I understand it either but it's just one of those situations where there is no really easy explanation sack. We'll come back to that I. Don't know if he's going to back out hundred thousand dollar up to thank you for the call I really do appreciate it. We want to bring a guest on now Pat Dooley from the Gainesville Sun and talk about where we are in maybe where we're going pat thank you appreciate the time as always So where are we? What's going on down there? I wanted to get in on that one, hundred, thousand dollars that I tell you that when I heard that I was like, Oh, I, Wanna I wanNA piece of that. Yeah. Now I'll give you I'll give you mine. Yeah. it's pretty funny stuff but that's that's Jim you know. So give us a the read from Gainesville on what's been going on and and your level of confidence at the SEC is going to pull this off. Well you know it's funny. Paulo here we are It's the Friday before Florida's to open can't Monday and we Had almost no communications from the University of Florida sports information or anybody they have not There I I get the feeling like on wait see what what's going to happen before they send I. Am any information so I look every. As you know. Paul. Every minute it goes by never change your mind. I don't know if they're gonNA play I. Think they might I don't know if I think there might. It's crazy and it's almost like You Know Watson the it's almost like an election night. You're going back and forth but. I don't I don't have any more competence it, but I still think it could happen Go Forward I. Mean I do think you know today that the high schools here in the state of Florida sites they will play up for some reason didn't push back. When they're gonNA start. So. That makes no sense to me at all I do understand how it's important for them now to play. But for the mental health part of it, I think it is a few factor for. teenage young boys, and girls. So I'm glad they are playing If they feel like they can safely do let's face it. The Protocols that Florida Has Georgia has an Alabama has are much more stringent than what they have in high school. What what? I. Understand your skepticism I think anyone who's absolutely confident. This is going to happen. There they are welcome to go to Vegas, but what would be your biggest concerns in spite of everything we've heard. Well, my number one concern is that something really bad happens and I mean nobody wants to happen in rooting against it for only the reason I'll be football player, but it's something really bad where you saw layer players suffer A. Really bad situation or death I mean that's the thing to me that I think that scared off. The PAC ten and the fancy the I'm sorry the PAC twelve I keep getting confused on that because. Of the numbers but The PAC twelve, which is robin of course, the Batman that is big ten and I think they were just like we're not gonNA take any liability. We don't want any liabilities which I I understand that part of. But that one thing that like I think that the SEC. Has has got a lot of good information they feel like they can handle the fire card itis. we saw that come out today. They. Feel like they can handle. The issue is not like this. is a disease it was invented though the heart disease was just uninventive. If you get model, you can get that. But at the same time, it's something severe happens the optics of it just going to be really bad. So You know that's why I I've just not totally optimistic. they're gonNA play on just I I. Hope they are. Here for for. I just hope they're gonNA they get it better than we do. Paul you know none of us has Munson information as any commissioner. In. College Football Office or any Athletic Director Count Football. We're reading what we see on twitter where reading what we see on fire. we just we have. No idea. What is really going on? I think they would help to be a little more transparent about it but I. I. Wonder to just read a one one. Doctor in La Shoe but. I. I think we're both probably in the same boat here I. Mean I'm now to the point. Where I'm I'm skeptical of every doctor here because I want neutral doctors I don't want conference. Provided experts to you. Now but you know what? That's. That's what again shows the lack of leadership and countless football right now. Five months ago, four months ago three months ago two months ago. There should have been a committee put together of the best. people that understand what wh- where we are. While reports with. the NC Double A. and tell them. Here's where we are. Here's what we think we are. Going to happen instead of like, Hey, it's almost like you're in trial remember the movie The verdict journey when he when he when he gets that guy up there and he tells them. I was yeah. Yeah. Why was? She had been admitted. With food on her stomach and then he was discredited near like that's that feels like what it is. You know so We just need to kind of I. Think Again, bit grade we just had a a group together that really knew what they were doing. And they were all the same page. We're going to do on that, but that's not the way college football or yes, we're we're not. We're not having media days. Well, why don't we have a media days with about twenty doctors because frankly it's more interesting listening to them than it is to the coaches at the moment. Yeah, we could bring in Dr Foulkes you've just for. Comic relief at some point but. Yeah, it's almost like it's like the five family you know I mean. What is what is done Say What is done Offered say you know? Well, he's got his. Who says this so it it it's crazy. It's really I probably have had to many movie references already before I'm curious. Oh, just to the rivalries. Now know the big ten in the pack twelve down. These three rather strange dance partners and they all need each other right. Now you live in a state where there there are a number of ACC schools as well. What's it like down there? Yeah well. We also I think everybody was kind of on the needles when the big twelve is making this decision because if they say, no, it's done. We're not they're not gonNA play when just two teams. And the sue conferences. So I think a lot of kind of wait for that and then you went. Okay. Three three teams up and then what was interesting to me Paul Maybe I mis read the story. But the College Football Playoff Committee came out today at where Meek on the several twentieth we're playing or we're considering you for the playoff and I'm like well, then you can count that. This. Isn't like Alabama claiming the eighteen thirty, four national championship because of life magazine. To them this is this you. You can campus national championship nobody's GonNa Complain. Totally Agree I. If we ever Season Championship is going to count POW, we will continue our conversations. It's always a really good to hear from you stay well and. Who knows where we made it through another week? That's all I know. We kept the story alive. That's right. We're still we're still in the game that's all the they. Thanks Pat. That's about it I. Mean if you do we all do and I include all the fans in this with us because we are traveling down the street down the ocean and in the same boat, you just want to keep this thing going you don't want to see it in like It is right now in the big ten in the pack twelve, we will come back and get your reaction to all of that you're listening to the Paul Finebaum. Show podcast. Welcome back to the program and let's go to Arkansas next and Felicia is on the air. Hello Felicia. Good, we talked to you I wanNA listen so much take a pair of headphones and you know not really cell phone savvy. So those were those big noise cancelling. Headphones that people use when they're working on heavy duty equipment I'm sure we'll. We'll thank you I'm glad you've made the move I've enjoyed very much what you've been going on for the past three months. In fact, I looked online to see what radio awards there are for commentators to see I couldn't help nominate you for something that is in. Sports Talk Radio. Thank you. March. One of the things just quickly that the people are complaining that some people scandals with the East West combination harder than others. The decision compares very nicely. March madness the number one team, the sixteen. and he goes eight, nine, four and thirteen. So that's why you know Arkansas has probably the worst schedule of ever in. The country. But this quickly on the couple of things as far as The athletes forty two to have more of an employee contract I. Think this is a good time to argue that they would have workmen's comp. You know for something that would progress over in life. I think that's something that would be right now good argument for them to make their point to look at a case for that. As far as something I haven't heard. And As a people talk about is the this boyfriend girlfriend thing when somebody gets on campus I mean I remember how hard it was to To have a crush and make an effort to see someone. I don't know when how long these guys have been Butler winners the last time they saw you know they're the personnel dating or engaged to central, and you know how are they gonNA burst the bubble the season once they hit can't well for first of all Felicia let me explain the they're they're not in a bubble I mean they they have been self-contained during voluntary workouts but we saw. Countless incidents back in June Zenit Alabama at Lsu were players went to parties went to bars and I mean, very few schools have acknowledged this and you know they're telling us now that their numbers are really good but they're not going back to the beginning and tell us how many contracted at early on and and that's that's most important as you. From from how are they dealing with it versus you know are they going to infect anyone else once you've had it There's a reasonable reasonably good feeling that you're not going to get it again anytime soon, but that's not guarantee either. Now. I listen to the conversation. You had I think Dr Alan and appreciate it much things had say I can't compete with any of his T. The ticks but I think Lot of that stuff is to seeing detail on what's going to be the issues coming up. You know I wanted to bring up when we discussing earlier today. If the SEC versus that she teams that aren't playing especially the big ten. Yeah. If the SEC continued the whole season and no students those athletes or not Eligible to have in second season, such that SEC schools power I love with the players Then sec is going to have more room for other athletes that come in and certainly that is a carrot to asked him to come in. But I definitely I if I could dominate you for in a war I get to it but for the most part outsourcing searching, I can't find what? Organization or association makes US domination but I'm enjoyed your. Thank you. I thank you very much for the thought. I'm I'm more than happy just to accept your nomination and. Que Sera I be well, thank you very much about Felicia. About. We? Will. Continue Dylan is up next in Georgia, Dylan? Thanks great to have you on. Hey. Paul, how are you today we're doing well, how are you? I'm good I'm a first time caller. Really appreciate you taking my call the legend man. Thank you thank you. Well I. Am a a high school track and cross country coach in Georgia at a in the biggest school system. And in Georgia I just wanted to Talk with you and get your opinion on what you think about high school sports right now you know my concern You know at Sports, whatever I I WANNA see Sports, happen I. I definitely want college football and pro sports but I look around these high schools and at our own practices on our campus and. I'm looking around and and I see. You know I see sports being played and and you know as you know most sports, it's pretty hard to. socially distance and and stay safe. You know and my concern is the lack of testing. You know these high schools they don't have. The ability to test? No, you know That, they don't have the ability to test and I feel like the only way you're GonNa know if you have a spread. Is, when somebody gets sick you know what wildwood a high school or go get tested. No. DOUBT DYLAN I'll make it's quick but I have great concern for high schools right now for that reason and and I don't need to tell you. You're you're in high school but I think there I'll be careful how I put this book. There are a lot of great people in high school athletics but I think you know what I think. You know what I'm trying not to say. There can be a little bit of the mentality in Highschool as well as college that that concerns me a little bit toward dealing with this correctly and and and the fact that they're just not equipped and it's also uneven. We had a young man on earlier who covers high school football and South Carolina in South Carolina. They're playing high school football. In in bordering North Carolina, there are not in Georgia, Alabama, and Florida of course, they are and and there's some political reasons probably for that as well. I I, just a please stay in touch with us. I'm really interested I'm fascinated by the by the dilemma that high school coaches are going through right now because I it is probably You know the idea of of what you're doing and what your colleagues are doing trying to manage players without really depending on where you are with very many resources. Pretty scary. What we have a race with seven hundred kids tomorrow. So I can let you know how that goes. Well we'll. We'll I I love track and field to watch it. When I was younger, I was the slowest person on every team but Dylan. Call us back and let us know how it's going We're thinking of you and look forward to chatting again. You gotTa Paul appreciate it. Thank you very much and that goes for all high school coaches out there i. think it's There's you know we have obsessed over these programs that hundred two, hundred, million, dollar budgets talk about a high school in Georgia or South Carolina Mississippi I mean they they had some real challenges on their hands. We will take a break on this Friday afternoon. You're listening to the Paul Finebaum show podcast. Welcome back Tom is up, next and Georgia's we, race. The finish line here on a Friday afternoon. Hey Tom Paul finebaum long time listener first-time caller. Hey. You Guy yesterday I think his name was GM I'm not sure about that. But it was towards the end of the program. He was talking about, how do you need to gear your shore more back toward entertainment and I'm not I'm not calling to complain at all but something that I would love to see every school in the SEC has their favorite announcer. I'm Georgia. So Larry Months and WHO's obviously mind it would be fun if you had a day dedicated to. Whatever tames best announcer and had people from those from the schools call in and give their memories and maybe play clips or things like that because if you did something like that for Larry Month and I would love it. Yeah. Well, let me tell you a little secret Tom. We've got a whole About three months of those shows plan, but we hope we don't have to do it. Well if, we're going to be. Voluntarily submit ourselves scam dimic who might as well you know I? I will tell you this is you know we we fully expect to get to the first game and have a college football season in the event we don't. We are never going to mention covert again on this program and we're just GonNa have fun for the next four months of the season and act like it's going on because so we will definitely and and and looking forward very much to. Okay thanks for the call really do appreciate it. we got a headline here on the program that we wanNA share with you. I realized somebody you're listening on the radio and we will read it to we will read it to you but this is from the San Antonio, express-news, Angler reels in a fifty three pound Warsaw Grouper Important Arkansas, some of you are saying, why in the world are you sharing that? Well in this conversation yesterday about how to makes his show better the next caller suggested US talking about fishing on this program will everybody has a fish story Paul I mean here everybody. So I'm just I'm just trying to I was just trying to think of things topics that might. Make the show flow. You know what I mean. But Harry brother Frisch h thing about that. But what what is the Marconi Award Ryan for you guys have you ever one one of those. Squad, I never won the war. It's a, it's a, it's a huge I have never won anything so. I mean she was trying to nominate you. Matt wide a few months ago. The Marconi I don't know if he's Received it yet or not? Yeah. Dale. I. When it comes to the television and radio business I I am like Oh for my career. Time here but the reason I called in. I realize it's election year and I realized you know you media guys in politicians y'all are create new rules everyday but who determined That universities are now responsible for this virus, I? mean. where? Who who determined that in the first place? Well no one did universities did what everyone else did back in March and they shut down and then they started talking about how can they safely reopen and that's where we are right now. So now they're responsible do stupid catches as. of where the student catches, it sounds like they're not. They're not responsible for that they are doing everything they can to. Help mitigate the issue but But Yeah if you have serious student outbreaks on Mississippi or Mississippi. State's campus it will have an it will have an adverse effect on everything else. Or any other sicknesses. Be covered in the future now. Squirrel I think we've had this conversation. Really excited about having it again on a Friday night, but you're Fr- feel free to pontificate. Okay. A little. Man, sometimes, it's sometimes the conversation just never changes even with. Scott is up next. In New Mexico Hey Scott go right ahead. Amazing Paul thanks for taking my call I'm a maximal strop was found of course being out here in New Mexico and it was canceled I. Knew it was coming like the big ten was they act like they're not gonNA. But of course, they capsule it my Go-to Sports Networks now are ACC network and the SEC because you play the Great College reruns a great football. And I guess the American Classic Conferences, Plan Ball this year too, and I, suggest we promote them a little bit and say they're part of the big four and we could have a playoff it's built in. Now we have their champion played the least best of the other three. Then after that, we have our champion what do you think? I think it's I think it's a fantastic idea. Glad to hear from me from New Mexico, David is up next in Florida Hey, David? Good afternoon code try bomb always a pleasure I'm a retired sports writer even crossed swords with one time imprinting many many years ago. Be Happy Relate that recently it's time committing but genius is not a problem to me because I am retired but every now and then I feel like I better call. Paul. And my preferred way of consuming your show is to record it. So I can listen to you and most of your guests and. By the way I I don't know I don't know if we provide the this program is pretty available. These days I think we replay it to other times for those who It's on in the evening and then it's on again early in the morning I know I've seen it In the morning But Yeah, I'm glad you do recorded that way. You can just get through some of the the Squirrelly like just have. I don't think squirrel can spell woke much less. Discuss many considerable fashion but anyway, I'm amazed You're probably too many epidemiologists like to call your show and give their expert opinion. Noticed you added number of cardiologists to the peanut gallery this week. So it's all good But David you appreciated the one. The one part of medicine that we have failed to include is the one I need desperately right now and that is psychiatry. Well there's a mental health aspect of this whole thing that's for sure I. I'd like to suggest to you that many many many many years from now when you're no longer with us like you know suffer the fact that we all will one day that you considered for your team. The words we just don't know. Of How by the way David How long did you? Participate in that. dastardly business called sports writer. I I was in the newspaper business for twenty five years, and then spent the last five ten years of my life for ten years working career high school math teacher. But I was in Birmingham covering the Sunbelt Basketball Tournament missiles in one, thousand, nine, hundred, ninety, and goodness I know exactly what you're going to say here. You wrote a column that. You're asked the conference in UAB's participation in it. Ryan I came back the next day with a couple of MAG remarks myself about. Well, that was really unnecessary. You know make us all feel welcome here but. I I. I will tell you I remember that call well and It was There was no reason to do it. I don't know what my my my psychological issues were back then but I, just seem to. Seem bent on. Making myself the antithesis of the head of the Chamber Commerce. You I think he succeeded that that mission at that point anyway I'm sure you're all. Aware that we're not just as he sees fans were college football fan and you know the season already been greatly diminished by by what's happened and I don't see any out being real satisfying. Regardless of what happens like you are I'm I'm absolutely convinced the ACC and as he seemed big twelve or going to find a way to start. And you know no fans or whatever. They're gonNA START I just truly hope it doesn't blow up in their faces but you know we just don't know we'll see. Well David. They know. The calculated risk and the only reason I say, no, that is that they haven't had to make. It's one thing to say we're going to play. It's another thing to try it out your favorite epidemiologist to say whatever makes your conference look good. It's another thing that go through it, and that final turn is going to be the most difficult I. Frankly don't think it's that difficult to do what they're doing now it's what I would do and I think perhaps you would be doing the same thing but when they make that on September twenty, September? Nineteenth when they they say okay, we're. We're we're having a game following Saturday. That's when it gets really interesting. absolutely you know what? The protocol, the what happens You know you're starting quarterback test positive on Wednesday with them, and this is all kinds of scenarios that it'd be worked out. But I hope I truly hope they make it through and to listen great to great to talk to you and hope to talk again soon. To listening to the Paul Finebaum. Show podcast. Well we made it to the end of the week. Appreciate you being a part of the show we will see you on Monday. Thank you for listening to the Paul Finebaum show podcast. The Paul Finebaum show airs, weekdays on the SEC network beginning at three eastern.
La guerra lirical que Anuel gan sin rapiar
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A Discussion of Recent Developments Involving Credit Reporting With Special Guest Eric Ellman, Senior Vice President for Public Policy and Legal Affairs, Consumer Data Industry Association
"Welcome to the consumer Finance Monitor podcast where we explore important new developments in the world of consumer financial services and what they mean for Your Business, your customers and the industry. I'm your host Chris Willis and on the deputy practice leader of Ballard's bars, consumer financial services group, and I'll be moderating states program for those of you who aren't even more information. Don't forget about our blog consumer finance monitor DOT com. We've posted a blog since two thousand eleven. So there's a lot of relevant industry content there. We also regularly hosts webinars on subjects of interest to those of us in the industry. So to subscribe to our blog or to get on the list for our webinars, please visit us at Ballard SPAHR. DOT, com, and if you like our podcast, let us know leave us a review on apple podcast, Google play or wherever you get your podcast. Now, today's episode is all about credit reporting and I'm joined by tooth. Very great guests I. I've got my partner Kim Fan, who is one of our consumer financial services in privacy and credit reporting lawyers are Washington DC office, and we have a special guest today Eric Element who's the senior vice president for public policy and legal affairs at the Consumer Data Industry Association, which if you haven't. Heard of it is the Industry Association responsible for the Credit Reporting Resource Guide that is the metro two format, and so eric is going to have a lot of great insights to share with us today. So I'm not going to get in the way of this conversation anymore. So Kim Eric why don't you guys take it away? Thanks Chris and Eric Welcome and we're so glad to have you here today. First of all I, just WanNa make sure that I congratulate you on CD as first virtual conference what a great success during. These challenging Cova, Times Yeah Kim thank you so much for having me deeply appreciated, and of course, Kim for the benefit of all of your listeners. Kim was one of our speakers on a panel that I've moderated, which I think was not only the best panel because Kim, you're on it, and because I moderated on it because I thought we had a lot of great information to offer. So thank you for the invitation I. Also Hope it will be our last virtual conference by the way a WHO knows what happens next year but We would all like to be backing person again I think it was certainly my pleasure to participate but I certainly wasn't the biggest name that you had lined up. You had some great speakers including Tom, Paul the deputy director of the Consumer Financial Protection Bureau in Andrew Smith Director of the Federal Trade Commission's Bureau Consumer Protection Let's talk first about Tom Paul. Minor stand is the Tom announced that the C. V. will be conducting a study on the accuracy of credit ports. Can you share any details about the CF approach to this research? Yes. Sure. I. Can share a little bit first of all the. Federal agencies and perhaps particularly the this year don't always make news but we are grateful that they made news at our law conference a couple of weeks ago when Tom Paul had announced that the CFPB was to undertake a new fresh accuracy studied the last couple of. Studies were done in two, thousand, Ten, twenty eleven. And they showed the perks study showed a ninety seven, ninety eight percent accuracy rate. An FTC study showed a ninety five percent accuracy rate. So the numbers are really high, but they're also a little bit dated and the PB decided that it's gone too long since a an empirical of an impeccable unimpeachable study of accuracy was done. So they are undertaking something that we hope will, and we expect to be empirical and scientific, and will show an even higher accuracy rate from the ninety seven. Ninety, eight percent rate that we showed a number of years ago we'll see dia as the Trade Association for their credit reporting industry will presumably have a lot of involvement in this process. Are there some key points that CDI WILL WANNA? Make sure I get stressed with the bureau during their research yet good question obviously, it's the study so it's going to be independent and they are going to do their own thing one of things i. hope the CFPB will consider is an outcome based Review, just like the perk work and the study was pretty similar in that as we know, not all accuracy inaccuracies are created equal. For example, if a consumer lives on Main Street Ma I n but it's listed on the credit report is m. a. n. e. main street that is an error. Sure. But that's not an area that's going to impact somebody's ability to get credit and the the beauty of the perk work that was done a number of years ago, and the beauty of the of the FTC study is. All that they were both outcome based and it looked into was this error. Resulting in a significant enough change to put somebody in a different slash lower credit here and and that's what we're hoping that the CFPB will will look at this time around. I'm assuming also that industry will have some opportunity to be involved in the study. Do you have any recommendations for our audience about how they as furnitures and end users of credit reports could get involved? Yeah. Good question. I'm not really sure I haven't advice other than if you have kind of a regular cadence with the PB that you might want to reach out to the CFO. I think one of the great benefits of the PB study compared to the FTC study is that because the PGA has a holistic at the consumer reporting ecosystem, which the FTC didn't when it did it study the can look at kind of the end to end process from how the data is. Is furnished from the furniture to the Sierra and how it's provided by the consumer reporting agency to the data user, and then the dispute resolution process along that. So the PGA has an opportunity, a unique opportunity to look at the whole life cycle of the consumer reporting system, and also get even closer or get closer than the FTC did to like these sources of inaccuracy and where those inaccuracies coming from in the hope that even the very high rate of inaccuracy of the very high rate of accuracy now can be even higher so. It's It's a long answer to your short question, but it ultimately boils down to if you have like, I said regular cadence with the PB connections to the PB. This may be a good time to reach out to them the they are really just starting this study. I think they recognize. that. This is an elephant and the only way to eat the elephant is to take it one bite at a time and they are probably on their first nibble or two, and I suspect that this will take several years to fully unpack to go from hey, we should do a study to hey, we have a study. There's a, it's a very long road in between and in fact, you didn't ask but what happens if there's a change in administration, maybe that was on your list. I don't know but I would like to think that this year pb to do something So that's going to be really thoughtful and very empirical and unimpeachable that it will survive any change in bureau director and he changed in presidential administration. Thanks Eric that's certainly big news drop from the CFPB at your conference anything else from Tom's remarks that you WanNa highlight today for our well. I think it's important to say that we in the consumer reporting community and the credit reporting community are really looking forward to an excited about this particular study. Again, as I said, before the accuracy studies that were done by the FTC perk twenty, ten, two, thousand eleven in that range showed ninety five percent for the FTC accuracy ninety, seven, ninety, eight, percent perk. And there's been so many advances in the credit reporting system since two, thousand, Ten, twenty eleven, twenty twelve that I have to imagine that when this is studied again, the accuracy rates will be even higher. So I guess the bottom line is that we're looking forward to it and we think this will ultimately be a net positive, not just for data furniture data users, but also for credit bureaus and. Most importantly for consumers who none of us could function without and we are only here because we have consumers as our customers and hopefully we work really hard or we work really hard to treat them well, and hopefully they overall see that. So I think ultimately, this is probably gonNA, benefit consumers, which is really the the the and the Omega of the whole credit reporting process says I've said before. Is Our north star and we believe that this year PBS. Show shifting now from the BBC to the FTC, which you mentioned multiple times has has done a lot of work in the. F.. Cra Space as well. Andrew Smith spoke the director of the FTC's Bureau of Consumer Protection and I know the Andrew spoke number of topics that would be of great interest. For example I. Know he spoke about the FTC's efforts to combat credit repair. Can you fill us in on some of that? Yes. Sure. Credit repair is at I guess on a good day it's an annoyance on a regular day It is a royal pain in the behind and ultimately what credit reporting. Sorry. What credit repair does is the tracks significantly from the credit bureaus ability to serve consumers who really need help, and also it impacts the data. Users are the data furniture's who are the data users who are really just trying to serve real consumers with real disputes. Unfortunately, credit repair outfits by enlarge exist for the purpose of pounding the credit bureaus attempting to crown the. Two pound the credit bureaus into submission by not responding in the Sierra statutory time window in the hope that accurate adverse information falls off the credit file. We hate them data, users hate them financial institutions the FTC is not too fond of them either and and the bottom line is one of the things that Andrew said is that they are trying to find ways to build bigger cases against credit repair organizations, and they Andrew Essentially issued an open ended invitation to credit bureaus into financial institutions that if they are aware of one or more credit repair outfits that are particularly problematic. Pose a a pattern and practice of abuse of credit reporting system. Then we should share that information with the Federal Trade Commission and the FTC is open to take into taking to taking action against these outfits. They Andrew Essentially said they're looking for cases to bring in this area and I hope that they do because our estimates are. That about a third to forty percent of all disputes by consumers into credit bureaus are as a result of credit repair activity. meaning that as we know a its credit repair company is charging consumer money to do something for a consumer that they can do themselves for free or often more likely is that they are encouraging consumers to dispute accurate adverse information and to do it repeatedly in the hope that it falls off the file. Sounds like a great opportunity for our listeners to engage with the FTC? Is there an approach that you would recommend for companies that want to call out some of these credit repair organizations or practices? Yeah. I again, I would suggest that to the extent that the financial institution listeners have again a canes with the FTC or certainly members of trade associations have regular contact with the FTC. Those would be of course, groups like asthma in the ABA and others If there's a way that you could figure out internally through your dispute teams dispute resolution teams. If you could help find those patterns and practices of of of credit repair and you could identify the sources, the FTC would be. Really interested in seeing that now, certainly, on the credit bureau side it's a little easier perhaps for us to spot some of these sort of cereal credit repair organizations because they tend to come in primarily by paper, and it's it tends to be the same spelling error that repeats itself in two thousand or two thousand different consumers. oftentimes, the postmarks are similar return addresses can sometimes be similar. So there are ways that we can identify to some degree that what's coming from credit repair based upon these patterns The trickier part though for the credit bureaus and the harder part I it is for financial institutions is to identify the organization that's driving behind the scenes these credit repair. These credit repair request. Thanks Eric. Turning now to another area, FTC focus I, know Andrew spoke about abuses of the FTC's identity theft complaint database. How does that DC plan to tackle that challenge? Yeah. That's an interesting question we have been working with the FTC for I. Don't know a year ash. Let me give you a little bit of A. let me. Let me back up a little bit starting in about October Twenty Sixteen I. Think it was or twenty seventeen. The Federal Trade Commission changed their identity theft practices such that if a consumer was alleging identity theft, they had been previously had to get an FTC affidavit which requires. Some hurdles to consumers to essentially verify that the information is true sign and swear under penalty of perjury drew. and. To get some law enforcement support as well. The FTC recognized that it was getting harder and harder for consumers to get police reports to allege. Identity theft. So they changed their FTC affidavit to what is really more of an FTC report which comes with a lower standard of barrier lower standard of proof for consumers. Now, the intent is noble. The intent is there are consumers out there who are legitimate victims of legitimate identity theft and we should make it as easy as possible for them to file an identity theft dispute hundred percent on board with that concept in execution though what happened is that the lower the barrier that the FTC made. It the easier. It is for consumers to dispute illegitimately meaning that there are plenty of consumers you have accurate adverse information on there filed just like credit repair that WANNA get that accurate information off of their file. So what are they do they go to the FTC dot Gov they download a report they decide which information they want to stop having reported on their file they completed they send it to a financial institution and the way the law is constructed is that the financial institution? Has I think four days to to remove that from the file and it makes it much easier to get data off of the file we call this to the attention to the FTC it took a little while. Months and months of working with the FTC. But we finally got some really encouraging news if I could just find some of the quotes that Andrew Smith had mentioned on in his presentation that he had noted, their own internal data at the FTC, and he showed a slide which suggests kind of like from October two, thousand sixteen, October two, thousand, seventeen, a hockey stick spike in the use of identity theft reports, which we which correlates quite elegantly with when the FTC flipped their their report, their FTC report system. And he noticed a significant pattern. This is a quote from him The FTC analysis of the data shows quote a significant pattern. That suggest fraudulent use of identity theft dot Gov, and he indicated that it again quoting not acceptable for the FTC subsidized identity thieves and it's a very high priority of the Bureau of Consumer Protection at the FTC to reverse this course. Not fully clear what they have in mind to to change to T to attempt this to to prevent the FTC report from being used as a tool for fraud Andrew Smith again mentioned and some technological changes that they are making like Ip analysis. So One IP ADDRESS PER FTC complaint. He mentioned that there may have been some other things that he said were in the works, but without saying what those are now the law is the law. So there are certain things that you can't get around but I think the FTC can make certain changes on the front end of trying to reduce. Or Mitigate against these ID theft reports from being used to perpetuate identity fraud So we're really encouraged by what he said. I love to I can't wait to see how this actually translates into real world changes I. suspect there will be changes for the better coming. But we'll just have to wait and see and keep working with our colleagues at the Federal Trade Commission and our colleagues elsewhere across government to make sure that there's some real change that that can be and and the point here is to separate the wheat from the chaff. So we are working really hard. To make sure. That credit repair is as low as possible because the higher the credit repair that means the more resources we all have to devote. To take away from dealing with real consumers with real problems, and there's a finite amount of resources as we know. And reducing identity theft I'm sorry reducing credit repair will help us focus on consumers where real victims of identity theft. I certainly agree it's very encouraging that the FTC is mindful of the fact that external factors could be impacting the accuracy of their internal data. So it's great to hear that they're they're being very mindful about that, and the steps that they can take to help mitigate some of those issues. Now you've mentioned you know the FTC's focus on looking for cases the to pursue credit repair I. UNDERSTAND IT Andrew also mentioned they're actively looking for cases under the FCC FC are. As Red flags program mandate have any thoughts for our listeners about how they should be enhancing their own programs to avoid. FTC. Scrutiny. Yeah. Good. Good question. I was hoping Kim that you would answer that question because you're the you're the red flags you're the red flags expert I. Only, I'm only here to report the news. You're here to advise I. Really don't have a lot of good good guidance here I, suspect that that you and Chris and the talented team at Ballard. Will be able to to provide a great council in that regard. But one of the things he did mention at when he spoke to us about red flags, he sort of took us on a grand tour of all of the things that that the. FBI. Was Working on relative to consumer reporting in one of those was the red flags. And he said a couple of things that are I think of interest one is he noted that a lot of SSN's are leaked his term from data breaches. No surprise there probably and he did criticize financial institutions to some degree when he said that he felt like there's not enough underwriting review on the back end for red flags. Violations. And he used to he used the term. He used the term that the red flags rule is kind of a back end of the data breach and the FTC is actively looking into red flag violations. But beyond that. Kim It's probably you know my thinking is that you would you and your folks would be in the best position to help advise your clients out to manage what the FTC is concerned with and where they're actively seeking for for violations. He the FCC is course is very active in bringing data-breach cases. When there with those a car interested, they would look at potential red flags violations associated with those same breach cases. So it'll be interesting development watch. Yeah. For sure I guess we'll just have to see in practice what what he's talking about. Let's shift away from the regulators for a little bit and take a look at some of the the broader credit reporting activity that's happening in the world especially in the wake of Covid with the Cares Act and the specific provisions that cares. Act that address credit reporting I'm sure that was discussed quite a bit during the conference and how the credit reporting industry is adapting to the required changes as companies approach what makes the most sense for their customers during cove it at in the wake of cares act the issue of whether or not to offer customers accommodation or simply suppress trade lines for customers that are impacted negatively by Cova de at of many of the the recent activity in the world what do you think about those two approaches an, how would you advise financial institutions to move forward? Yeah good good question, and this is I. Think one of the issues of the day this whole concept of suppression versus reporting with accommodation it's been it was talked about a lot in Congress, leading up to the passage of the cares act. It's being talked about right now as part of the Heroes Act which is being debated in Congress and it will continue to be I think part of our. Lexicon as we enter the new session of Congress, next year whatever that will look like and I would have to imagine that if the Democrats retake the Senate and the Democrats recapture the White House the the the issue of suppression is our reporting with accommodation will continue to will continue to feed into the policy debate. So the issue is there's a couple of things here at play As, a result of the cares I'm sorry as a result of the covert one, thousand, nine, hundred pandemic with which we are still living in will apparently be living with for a little while longer at least. Consumers who have adverse information as a result of COVID because they've lost a job etc that that the concept of suppression is that adverse information should not be reported to the credit bureaus that we think In fact that we know is significantly worse out from consumers while Noble and intent to protect consumers. The outcome is far worse for consumers for a number of reasons if data's reporting is being suppressed, there's a few things happening or not happening number one consumers accounts are not being updated, and if they're not being updated for a significant length of time, they will ultimately be dropped off entirely from credit report. If a consumer is making positive payments even if it's smaller than typical or even if it's under accommodation that's not going to be reported. So if you'll pardon the PUN, a consumer is not getting credit for their good credit behavior. and. There's a number of other reasons why supression as bad for example, it's hard to dispute or perhaps even impossible to dispute. A tray line if it's being suppressed from the file, lots of other damage, and of course, there's a significant risk management issue. A lot of people who are listening to this our. Work, for financial institutions, and if you are forced to make a lending or credit extending decision based upon a significant lack of information than how can you possibly make a valid risk management decision and the answer is it's difficult if not impossible. One of the lessons from that we learned from the great recession of twenty eight is that a lender needs to take a credit extension accompany lending credit extending etcetera has to take a full complete view of consumer credit file. So the great benefit of the cares act which really codifies longstanding industry practices is that when a consumer is in an accommodation, that consumer must be reported as current. So it really It really creates statutory mandate around what's long been a system established by the credit bureaus in concert with the data furniture's that are providing data to to the consumer reporting agencies. So I think this will be part of the public policy debate for a while but I think. Sound financial lending economic practices. And good consumer assistance demands that. Consumers be reported in accommodation as opposed to data suppression. Well that's certainly an eloquent. Arguments for combination over suppression but of course, many financial institutions are facing. Remote work forces that have been pushed out of the office are facing lots of challenges with their obligation of the F. Sierra to report not only accurate information but. Information to the credit bureaus ed the see if you be I, know has issued a policy statement that would take into account. Some of those challenges that financial institutions are facing right now with regard to their F- Cra obligations but the the National Consumer Law, center also issued a statement in clear opposition to the CFO vs willingness to consider these challenges by face by financial institutions. What are your thoughts on that? You know the be approached. The right one is NC L. C. on the on the right side on this. Please share yes, sure. Obviously when the whole world fell apart in the middle of March or so and there are plenty of days like that feel like March, the two hundred and eighty third at this point but. Obviously everybody and I mean everybody had to do business in a different way and for credit bureaus and for financial institutions, it meant like for a lot of other people sending people home having people work out of their homes the extra challenge for credit bureaus and a financial institutions that there's a lot of sensitive financial information that can't be sent home and there's a lot of things that can't happen when when consumer assistance people. are working out of their living rooms as opposed working into into their into their call centers. Call centers is another big problem because obviously, you need to take in response to consumers are very timely way. And you can't do that as as well as as was done before. So the FTC, I'm sorry the PB. Issued this policy statement at the towards the beginning of the crisis which allowed for flexibility on the part of consumer reporting agencies and financial institutions in dealing with consumers. There was some sharp criticism from that by some consumers special interest groups some sharp criticism by Some. attorneys-general primarily democratic attorneys general and then just recently some consumer or special interest groups sent yet another letter to the CFP I guess in the last week or two calling for a repeal of that of that policy statement because people are now coming back to work. I still think flexibility is the order of the day we are still. And I mean kind of the collective we hear of consumer reporting agencies, data, users, data, furniture's that we are still living in deeply uncertain times, and I am not I don't have a complete view into consumer assistant centers or into call centers. So I don't exactly know but I have to assume that even if people are coming back in, they're still being spaced further apart, which means that you can't populate a consumer assistance facility with staff like you had before So I still think flexibility is the order of. The day and I hope that this policy statement sticks around at least for a little while longer until we have a better understanding of where if how, when this pandemic ends, when can we get people back to the office back to the call centers back to the consumer assistant centers, and as we all know work is probably not going to look the same in next July September December as it did in February January twenty twenty. So I still think that flexibility is necessary for a little while longer. Sure and another policy area there have been proposals calls for the creation of a new public credit bureau for vice. President Joe Biden has spoke in favor of this. What's CDI's position on that? Yeah, as you might imagine, we're not terribly enthusiastic with public, credit bureau and not just because and it's not because we don't mind the competition competition is is ultimately good for everybody but what is a public credit bureau trying to solve for and? There are. Two things that are pretty well covered already one Let's. Let's break down. The chew stated reasons why a public credit bureau some feel is necessary. One because credit reports are inaccurate and the government could have credit file stir more accurate than the private sector. To. A public credit bureau will be a better deal a better job at expanding the pool of financial inclusion in this country. So let's break these down into accuracy. We talked a few minutes ago that credit reports are extremely accurate. We say the perk study says Ninety, seven, Ninety, eight percent the FTC's study says ninety, five percent. That's that's pretty good and I think it's even better as I said before when they were last measured a decade ago or so. So the accuracy box is checked and a credit credit bureau it. If you're if you're trying to stand up a credit bureau to make credit reports more accurate than a public credit bureau is not going to accomplish that objective because credit reports are already highly accurate. So now let's look at financial inclusion. There are tens of millions of consumers that are that are not part of the financial mainstream, and that is a huge problem that is tens of millions of problem. CDI and our members are deeply passionate about expanding financial inclusion and getting more people into the financial mainstream as possible, and that means using alternative data like. Rental Information Rental Payment Information Utility Information Telecommunications Telecom. Information things like that. We are one hundred percent on board in bringing more alternative data into the private credit reporting system to bring more consumers into the financial mainstream. Public Credit Bureau is not going to magically be able to do that. What has to change to get landlords to report to get telecoms to report to get utilities to report is changes in loss. It is a huge barrier. The era stands as a huge barrier to get people partic- particularly alternative data providers to report to the credit bureaus and utility context. In fact, there are laws that actively prohibit utilities from reporting data to the credit bureaus. So if in fact, it is a goal of the potential Biden Administration which I which I believe it is which they say it is and it is. A goal of ours, our shared goal to expand the pool of financial inclusion. A public credit bureau is not going to solve that what has to happen is we have to encourage more voluntary pry reporting, and most importantly is we have to change the laws to reduce the barriers to entry to allow these alternative data providers to provide data to the credit bureaus to consumer reporting agencies, thanks, Eric and I've asked you a lot of questions today and I wanted to make sure that you have the opportunity. Is there anything else from the recent conference? You WanNa. Make sure to highlight today for our audience. I guess maybe a couple of things One of the things that we are particularly proud of at CDI the Consumer Data Industry Association is the kind of information and training. Is Kind of information we provide generally to financial institutions but more particularly we provide some really helpful information on the data reporting. As you know we work with our members to maintain the metro data reporting format. So for financial institutions who are listening that want additional information about the metro two format and some webinars and some training that we do around around Metro reporting hop on our website at C. D. I online dot Org C. D. I A. Online Oh, and we're dot Org I. Hope I'm allowed to give this commercial by the way Kim I hope you're not going to charge me for this So. So from our website, you can get information about metro to data reporting the webinars that we run the trading sessions that we do. And also we run during the course of of the any given year a number of webinars on hot topics in consumer reporting, and you can probably find some additional information about that a- At our website as well. Thanks Eric Chris. I. WanNa. Thank both you Kim for moderating and you eric for being on our program today and of course, thanks most of all to our listeners for tuning in today Be Sure to visit our website at Ballard Spahr dot com where you can subscribe to our show at Apple, podcast Google play spotify or your favorite podcasts platform, and don't forget to check out our blog consumer finance monitor dot com for daily insights about the financial services industry and our biweekly mortgage banking update. If you have any questions or suggestions for the show, please email us at podcast at Ballard, SPAHR DOT COM, and stay tuned each Thursday for a great new episode. Thank you all for listening.
Arizona Native Debuts Mason's Gray on Off The Shelf Books Talk Radio
"You're listening to the winning literary show off the shelf books. Talk radio life with hosting these turning author of the book long. Walk up porsche. Love over me. Spiral love has many faces and rosettes. Great hope syrup your dial and get ready for a blast of feature author interviews four one one on book festivals. And so much more ready. Let's go. I believe that the only courage anybody ever need is the courage to follow your own dreams. I say that again. Yeah i believe that the only courage anybody ever need is the courage to follow your own dreams. And that's a quote from oprah winfrey and we kicking it all this november two seventy you guys. I first saturday in november. This year is below and blowing blowing by. I wanna welcome. I always like the pause and think although your listeners who've been with us for sixteen years here on off-the-shelf thank you. Thank you thank you. It's a beautiful saturday. Where i am on the east coast and also if this is too many answer off the just like what. Am i going to do this morning. Maybe cleaning out and you wanna entertain yourself with an awesome author interviews. I just want to let you know you are listening to the winning book. Radio show off the shelf and we have a wonderful author on deck for you and be. I'm excited to introduce her to you. But before i do. I keep asking you guys. How good mystery sleuth. Are you if you love miss. Three f you value that is a soul mate relationship and there are these friends. These five friends who are fend for life after they need college. There's also a murder mystery. Shrouding raymond who the star of love pour over me and one of his friends. Would you do if you started to see the finger. Something criminal point will want to best friends. I mean it's easy to say it before it happened with. If you were in the middle of it and tangled up in it where up in it what would you do if you value relationships romance and you love a thrilling mystery way. Get a copy of love. Pour over me now. You can get a copy and e book or in print format and also wanna let you guys know. I just published on another new book. was the last monday awaken blessings of inner love and that is a nonfiction book my first published nonfiction book and this shortcuts to self love and success in a busy world and again. It's a waken in blessing up in a love. We can all use war techniques and practices and stuff. You gotta do every day to practice self love so when we come up against challenges. We've ready so again. Go and get to enjoy yourself a copy up over me and awaken blessings of our love. F i had a drumhead be beating my job right now. You guys let us go and meet our very special off the shelf gas and especially off the shelf. Yes this morning is. Jerry myers good. When jerry is a native of arizona. She's a wife mother and a woman who dreamed about writing romance novels for twenty years. Ooh that ties into the quote. I didn't even know that. Quote saggy. And i believe that the only carriage anybody ever need is the courage to follow your dreams. She dreamed about writing romance novels for twenty years. She went and did a job. She has been interviewed in several media. Outlets including writer's life magazine. I love romance blog and the authors show. Jerry is also also the author of the book mason gray and we're going to dig into mason's grade this morning on off the shelf. Please check jerry out online. Her name is spelled by the way g. e. r. i in case you surgeon forum on google g. e. r. i g. o. Dwi and so jerry. Please check out. You can go over there even now z. Listened to her on off the shelf this morning and her website is jerry myers. Goodwin dot com g. r. i. m. y. e. r. s. g. o. o. d. w. i n. Dot com g. e. r. i. m. y. e. r. s. g. o. o. d. w. i n. dot com. We absolutely honor to have jerry goodwin with us here this morning. I hope i'm picking up the right my good morning jerry. Walk them off the shelf. Good morning denise. How are you this morning. I am doing fabulous this morning. Am doing awesomely blessed. And how are you on this morning. I am fabulous as well excited to have a conversation today. Okay okay you sound ready happy to have you on. This morning is absolutely a pleasure. Having you on off the shelf and i just want to let us know when they come on the first three or four questions. I asked every single guest when i thought it off the shelf. Sixteen years ago. I would just go right into the questions and i got emails from listeners. And they said no. No no no stop doing that. Give us a little back story on a guest and then go into the questions so jerry. Can you tell off the shelf listeners. Where you grew up and what life was like for you growing up okay. Well first of all I just want to let you all know that it's my the pronunciation of my name is jury and when you look at looks like jerry. There's an accent mark and everybody does it If i don't know it just my parents gave me this unusual name and But anyway i just wanted to say it's jury and hey everybody out there I was born in phoenix. Arizona and lived there until i was about eleven years old and my parents moved this to press not prescott prescott arizona Where i lived most of my life and raised three children and recently two years ago moved to area or valley to be exact. So that's a little background there but other hot details would you like these and are you is. Are you an only child or did you have siblings when you grew up. Yes yes. I have An older brother a younger sister and a step sister and step brother. Okay so it was. They were five of us. Five of you. I think is good. Well only child you get you. I when i think of somebody only child. Your parents are generally center on. They can give more of their attention. But when you have siblings you got people to bounce stuff off of and Just play with. And and it's i i think it's for me. I mean sport five of us. So i love your on up with siblings but i think the only challenge privileges as well. So when you were a kid your. What did you want to be when you grew up. What did you dream about being when you were a kid. I dreamt about being a singer. Enemy musician oh my dream. And it's been my dream my whole life sometimes our at our live a turn in different directions Did you pursue that at any point did you did you. Did you do anything in. Did you try to put out a record or do you have any no. I didn't It was something that In elementary school. I started playing piano and saxophone and i was very involved in a band and choir and i just fell in love with it and i ll up performing. I guess i'm kind of a ham. I'm not shy about getting up there on the first one on the dance floor. The last one to get off but You know went through some. I we moved to prescott and Is trying to fit into a a new school and make new friends. And of course the boys came around and got boy crazy and i just didn't pursue it anymore and it's honestly is one of my biggest regrets big regret it real time there still time you might be with your books or some. Maybe one of your books turns into a movie. You can see like one of the songs on the on the on the soundtrack or what so you wanna music you got into it then and everything and you tell in love with it. Who or what is your to. Who or what inspired you to pursue writing. What birthday love for books. My mother she. She read romance novels She would get up early in the morning the rest of us up so she squeezed in some reading time. I'm like i said i wasn't when i was younger. I wasn't i wasn't into reading books. I liked music. Everything was sick. And then as i got older into my late teens and twenties she just she just wanted to read these books so bad because i think she wanted to have a little mother daughter book club going. You know so. I started started to pass me off her books and start reading them and i fell in love i was hooked and then i was reading one right after the other after the other and one day i thought i have ideas in my head. My head really goes off to the fantasizing place more so Yeah just her passing that on to me. And then i fell in love with it and then i wanted to write it. And how were you jury when when you do you want it to be a writer. Would you like a little. Oh no no. I did not tell us about twenty eight years old. Oh between about twenty eight interesting. So what is it about romance. Novels that appeals to you is an and for those type of books. You and your mom were reading romance. Yes she would branch out into the mystery but mostly i only ever read a romance. I do like some of the self-help dramas but But yeah and what i love about the romance is i love being in love and i love the passionate chemistry between people. I'm just drawn to it all of it. The the passion and even the conflict and how they get through it. It's it's my thing. So now we're going to talk about mason's gray where did the inspiration you set. Your mind goes off and when you're in your writing so the ideals you get for books where did the inspiration for mason's gray come from And actually before you answer that. I wanted to ask you this question so you had all these ideas reading these books. Which are momma. She's passing books on. Is this your first written novel or is this just your first published novel because some writers write a low the novels and then they might say now. they're not really ready and then they finally published one. Is this your first novel that you wrote. Yes it is okay. Where did the inspiration for mason gray come from it actually came from a dream and a lotta my ideal a lot of my ideas. Come from dreams. And i've literally learned to wake up from one. I have a pad of paper and a pen right. Bye-bye nights down. So i can jot it down because i don't want to you know. Sometimes we wake up in. The dream is vivid but after a few hours we lose some of that. Now i write it down but it came from a dream so well let me ask you. Is it related to any real life experience. Most of our dreams. I write my dream but most of our dreams. Even if they don't seem to be about us they are about us. So is it is it and you don't have to go into detail but is it any way connected to something you were experiencing and your personal life when you look back on the dream not no not no not the dream. The dream plays the fantasy part of the book but the other parts of the story. The plot of the story is very much the military similar to experiences that i was feeling and going through. And i it's very relatable. I know that a lot of people can relate to morgan gray and what she was feeling and going through and trying to accomplish. Okay now being that masons gray. And i love that title as up with great first novel. Be that is your first. You've read for us. You have passion for music. How far off the shelf listening. Who are where you once were. They they might be thinking about writing a book but they haven't done what you've done. Be that it's your first novel. Can you tell our listeners. How easy or challenging. It was to actually and you said if from a dream to actually write your very first novel well. There really hasn't been anything easy about this entire process. Although i will say that in the big picture of things the writing was easy part compared to other things one of the things one of the first time. I sat down to try to actually write a book. I had nowhere. I had no idea where to start. I just sort of stared at the computer screen. Just as dumbfounded look on my face and then i ended up taking a three day crash course at the community college in prescott yavapai community college and it was on Writing and publishing. And it was the best thing i could've done The instructor tom paul fox. He didn't amazing job. Just getting right down to the important details to help you get started and it worked magically the second time that i took a whack at writing mason's gray it was like night and day i just took off did you so you want. You took a class that you work with did you work with any riders critique groups etc to help you so you had no experience even so you just sat down and started. I think it's and it's the thing is really smart that you took the class but for our for our listeners. I'm going back to my early days. I'm trying to this last question before we start talking about you now with the help. I like to offer tips and advice to our listeners in interviews that they can use their own lives. So you took this. You took the class that you started. They teach you to use outlined is used character skirts. How did you get the ideal for listening again to write a novel onto the paper. Is that what you were taught to do right. Outlined a very detailed outline and this start writing the book yes. It was recommended to do that. And i did that. And i think that is huge but also. He taught us how to be descriptive. And how that's you know. You want the reader to be able to feel like they're that person or they're in that place there in that moment so they have to be able to visualize it so he had a practice writing paragraphs very descriptive paragraphs. And then we would all critique each other of how could have sounded better or different and it really it really clicked into my head for some reason. I just picked it up very quickly and it made all the difference in the world so just little things like that. But they're important details very important details and it is very important for the reader to feel and experience the story and writing writing. Is you never get to where you're perfect it. Just life teaches you things and you cheap learning how to get better and better and better as a writer all that shit now. We come down to the nuggets nuggets. Introduce all this shelf listeners. To brody maze and california like. Oh my gosh He is first and foremost. So he's he's a rock star he's a rock icon. So he's well known but he is alluring. He has beautiful dreamy. green is He's also career driven successful which can make him A bit uptight. Kind of stuffy. He's very focused. It's always work work work. He's not looking for love and romance. He finds it to be Just pointless with his line of work that it just it. It doesn't work out so he's shut the door to it He he's hot cup with brody. My brody myself. how how old. How old is he. You know a lot of rockstars. They started their careers in the teens and twenties but they can go for years and decades. How old is he. and when we're thinking about rockstar. is he like I'm i'm thinking. What i what. Time period of stowaway set in. And how old is brody and when you say rockstar. You like what i'm thinking. He's not a rock star but like justin bieber or elvis presley when he was super hot. Who how how how much of a rockstar box sizes guy. He's the ultimate rockstar. And it's set in current times but Morgan gray and brody mason are. They're middle aged people so they're in their late forties. I guess i think that. I don't know there's different ideas of what middle middle ages But they're in their late forties but it's setting how long you've been around for awhile since like his twenties early twenties or younger. Let me ask you this. you're listening. He's never he's never fallen in love. You said he's sworn at all he's never found fell in love and then work out and now he's like i'm doing it again exactly. He he tried tried to. You know to be the dedicated partner loyal faithful and that that career with constant women being around it's not conducive to to relationships and you know partners. Don't feel very secure in that relationship with him. There's always that insecurity because all these other women are always around. And that's part of the Rock and roll lifestyle. So so i. I'm still i do. His parents or his parents married most of us. Even a rock star or or real popular actor actress. One one if a relationship. I if we could have it. You see people go in and out of the even celebrities go in and out of long-term relationships eight years ten years they they want us to work even if it's challenging if he s he really sincerely and i don't want you to get a store way but his is hit a point where he really sincerely believes he will just fail at a relationship with anybody i believe so and i think that's why he's so Focused and obsessive about his career because it keeps him from being susceptible to really falling for someone. Well let me ask you this. You said you had a dream and this question. I was going to ask you but would you like involved in a relationship with a celebrity or you love music where you yourself and then this dream pain from that experience you have to say who was if case No it's not based on a the dream didn't come from actual experience. I think it's just more of a you know would my passion for music and particular bands or musicians A particular band that i follow and love I i. I don't know i guess i don't really know why which just and i actually. I had the same dream several times. It wasn't just the one game. And i had the same same premise of the dream. Same person Several times. I know how to write about this because it keeps showing up That yeah when dream world. That is very interesting. Introduced us to morgan gray. You sat in the. They're in their forties. What is morgan gray like. What is morgan. great. Doing tell us about morgan. Morgan is a woman who once again. She's in her late forties. She's suffered loss and tragedy. She starts to face another uncomfortable. Life transition that forces her to take a look at her life. How she's living at and what she wants to do differently. She died in digs into those dreams that she wanted to take on in an earlier life and never did really feeling like she needed to refocus and protect your heart from the changes that are to come. She's a devoted mother. She sets off on this adventure. Not looking for love. Not thinking of that in any way shape or form just wanted to take on a new journey and Take on some some goals that have always been in her mind and what does she do for a living. What's her career. Well she you know. I don't really talk on her past too much. It's more about today and moving forward what she does so she had always wanted to be a photographer. So that's what she does not to do so relieved. The discussion in the book about her past is house. She was devoted to her children and their for them and raise them and then before before we go too far. I wanted to ask you this before. The show is over. I would love for you to read a little bit of mason's gray if you can if not then you can't but if you could just let me know and then i'll paul somewhere and you can treat the listeners to a an exit from mason's gray But before that how old so mortgages in her forties and how long has she been an empty nester. She's a been a devoted mother. She's raised her kids. And this is a time and a lot of people's lives. And i've heard mothers say this is a very can be very scary time Particularly women who your whole life is your children your whole life and then when they especially if you're a raise them as a single parent but even women who are married say this is a very difficult time. Then you are gone your whole life is your children and now they're gone and it's like okay. Now what do i do. It's almost it's like retirement. Maybe even harder there your whole life and now the don't know how many more and all the time you voted for your kid. Maybe going into the school sporting events whatever they were involved in that or whatever and biz they were involved in guiding them just even going to entertainment out terresa out to eat with Or whatever they would go to with you. That's all going on. So how long has he been in an empty nester. When mason's great story kicks off it's very fresh. It's very fresh probably and probably not definitely not even a year into it definitely not very fresh. And that's why she said. I gotta do this because this hurts and i don't know what i'm gonna do if i don't find purpose. Wow you know. And that's almost like a little bit of not a warning but a tip to us as mothers is and you. Don't you never know what's going to happen. Oh my god you never some mentioned You you never know what's gonna happen so it's like when you're raising your kids a now. People have is have a hobby. Do something else that you're not just working if you work outside the home and or being married and raising your kids so it's not it won't be such a punch in the gut when they do do leave Can you introduce us first of all. Can you treat us to an expert. there's always out okay Before before you do that can you introduce us to some of the other books other major and minor characters who help push the story for. Yes so there's morgan's three adult children who really add a lot of flair to the story because they're in the midst of all this watching their mom make these huge. You know these big life changes and then not only that but he meets unlikely man and it dives into how their emotions and their reactions to it and their protection to her for her their concern for her there with her the whole way through it so they play a huge role and out a lot of flair to the story and then my other favorite supporting character is jackson. He's the drummer of the band. And he is just. He's flipping hilarious. He's goofball needs the opposite of brody because he's just happy and funny and goofy all the time but he's really good for brody because brody so uptight that that he even came out you know. He gets them to cut loose Lot of entertainment jackson. You wouldn't think that brody would be tight. I go rockstar did he. Did he start out that way. It's like you know when you think rockstar you think the most open minded fluid flexible person. Well if you think about it though the he's missing out on so much because he's shut the store right he's missing out on love and passion and sex and we'll make not sex because he can have all the way all the snow. That'd be hard to do right. So i have to correct that. He can do as much of that once. But you know there's a lot that he's shut out of his life so i mean that can make a person just if you're you know maybe he's just not really happy because all he does is work. That's that's all he has in his life is his career and it's not that he's not good at it and it's not that he doesn't love it but because he's shut off everything else you know that matters and make more get the warm fuzzies. He's missing out on the warm fuzzies. Okay this does morgan. So her choose are there are no longer living at home. They're gonna they're they're either in college or beyond college and she packs up and we how long so she's she's already a year into empty nester and then she makes other major move. How long does she lived in this house and she just says i'm does she sell the house and she just packs up and that is a huge major change. He just introduced another major change into her life. Yeah right so. It's very emotional. Because she sells the house that that The kids that she raised their kids in and rents the beach house for the summer to to do this photography. The beach is her epicenter. Wow oh my god at the center for everything and i'll leave it at that I am shocked that she just sells her house. Does she moved. She moved far away to the beach house. And just it's just kind of amazing that she just wow in the house. He raised their kids. And i guess she's really picking up roots now. Her her husband her partner transitions eight years earlier. Issue truly maddie. Is she really ready for another relationship a lot of times. We think we think i'm ready to move on. I'm ready and then we get another relationship and we're a couple of months and we're like ooh from issue really ready will you would think after eight years of avoiding it so to speak and just focusing on being there for her children you would think she's be ready for it but She really you know. Meeting brody really catches her off guard and once again it's emotional because there is a struggle definitely a struggle and understandably so so she's a widow. I'm a lot of confusion. You know A lot going on. He's never been married. he's never been married. He doesn't have kids and she has kids. They're very protective of her. I it just so it was it. He's the ultimate rockstar. Is does morgan. If he's at much of a rockstar she obviously knows who this guy is is. She was to see him but some people are like real famous would. So let's say you don't somebody the famous actor but you like i don't watch movies many movies so i don't know about that. Guy is is the she knows is has. She followed his career before they meet. She definitely knows who he is but their initial running with each other it. She knew she knew him from somewhere. But it wasn't until a little bit later that she goes. Oh my gosh you know. I just realized that was and He does the son so he had a relationship and he has an adult son just to throw that in there so he does have a t has a child okay. So that's part of the story is where his son plays a role in it all citizens getting juicy and i'm thinking from wanting say like maybe they had known each other way way back but i'm not gonna ask that will it gives us soaraway if you tell us how they met It might yeah. Okay maybe i don't even know. Tell too much. I don't want people to miss out on reading. No no no absolutely now. We want people to get this mason's grade now. How can kind of this a little bit because this could actually be something to wear at. Somebody's appetite. I gotta get this story. I gotta read nicest grade. How similar or opposite. Or morgan and brody. Oh they i would say they're very opposite he she is. She's very mellow Well if you think about it. Her life is completely different than his. Their worlds are legally separate from one. Another so i think. That's what i mean by their completely different their lifestyles are completely different. He is has a lot more edge. Definitely edgier you know speaks with gruff and aggressiveness. And she's just your all american muslim bouncing around lives in life surviving and things like that not occur to people who you think. We'll get to get the more you talk about the mall. i think i'm imagining him completely. Wrong i'm seeing this. Free spirited go to the beach go surfing hanging out in his twenties just hanging loose going to parties. And he the more the more you he's sounding more like a corporate executive rockstar kind of more structured Not so free spirited. He's coming across that way to me now. he he's. he's the leader of the band. He's the one that you know. Leads them on their path in totally focused on the career side of his life. That's it he's lot he needs. He needs to be more free spirited and this is something that morgan has the ability to pull pull out of him if time allows and. I'm sure he must reading jerry on that image so last question before you treat us with a last question before you treat us with an expert. Then i have other questions of follow that up with is there an element of suspense mystery and masons gray and i think you already answered. That question is so without giving a story away but to make people more intrigued. Could you give us a peek into that mystery. If there is an element of suspense or mystery in the story there is definitely an elements of suspense. It reaches a height. That goes whoa. Oh holy cow. But i don't want to say any more than that. I only there okay. So can you give us a reading of from mason's great. I can let a little short and sweet but i really like this part here. Morgan put her camera to work clicking away effortlessly she'd been lost in concentration oblivious to the seabreeze blowing her white dress up like a sale. The sun began to work against her as it made. Its way behind the ocean wall. Leaving her without the light she needed to continue finding the perfect spot and nestle into the sand. She sat down to take advantage of her surroundings. And all the inspiration they contributed. She thought of her kids and how much she wished they were there to share this experience with her tears began to stream down her face. She couldn't remember the last time she felt so free and completely in control of her life. She's here she's and when this when this happens she's just gotten to the beach home. It sounds okay. So she's reflected yes reflecting and it gets very emotional so she can't remember the last time she felt so free is that why would she. Why would she say that is it. Because it's interesting that she was meeting completely in control of her life so free to do to free to her for her to go after her dreams and follow through. She's in the driver's seat now. One hundred percent in control in the driver's seat. She can do what she wants into still but herself and she's still not sure what that is. He's she loves photography so she's going after that. So miss the brody. He is like scare the commitment. He's like he's got a son but he's you know i'm not. I'm not in getting involved in any more relationships. I'm sticking with my career. I'm going after my music and then you know it's pretty amazing. Also this guy's been. He's in his late middle late forties and he's been a rock icon for twenty years. That's eight must be a phenomenally. 'cause that's rare you even if you had the the top top top top of your field. You can stay strong but most people. There's a follow after ten fifteen years. You can still really be up there but you probably won't be the hottest thing going. I is is rare. It's so hard to maintain that in in the arts. It's whether it's Novelists might be able to but I from what. I see a musicians. Singers actors is hard to stay at razor hot beyond ten years. Really really hard so i mean he must really be doing something right but so he he's. He's he's at the top of his pink. He's afraid of commitment. And here comes ms morgan and sees looking for. He thinks he's got his whole life figured out. It sounds like he's just totally in his music and she's trying to figure out what she should do next so they they mean we know they hook up mason gray hard is how hard is it for. Morgan pertain brody. Even if can't he's been living like this for a long time. It was never her intent to name him or change him in any way adapting to life style. That's definitely something. That's a challenge. But expecting him to change or him expecting her to change. That's not happening. We are who we are. We're going to be honest with each other. Were too old for games and a bunch of the s. We're gonna be comfortable with who we are and and be together. We wanna be together or we're just not we're just not so there is no changing retaining. Anyone it's accepting. Gosh you know this mason's gray is getting more interesting because how many people really. And i guess a lotta people do it. But they don't verbally come to some or written agreement that okay if you sleep with other people. I'm cool with it. Just don't put it all in my face. I just almost amazing use. A woman was married. She kids by yourself. You know she's got the ability to put head down. Be dedicated be committed. This is very interesting dynamic. She's just gonna roll with it Does he does he break her heart and you. You don't have to say how does but does he break her heart. Is this like a warm doesn't sound like a warm and fuzzy romance where it's like all over. Well he doesn't change and she's up for that she she really really is okay with him living rockstar life for real for real. It's more about When you enjoy being with someone then you you spend time with that person and you don't get into the heavy you want to be together. You'd be together. I think it's very evidence that i'm you know i'm morgan's not looking for marriage. He's not looking for marriage. We can enjoy each other and spend time together and we don't have to worry about all the other stuff heavy stuff. Let's just be ourselves and be together but yes ultimately there's heartbreak there's misunderstanding whether deliberate or under liberate. It happens so mason's gray far off the shelf listeners. Who are they're like. You know that people who are avid romance readers. I mean the latest romance novel comes out boom. They've gotta get it. They just love romance from from from from movies. You see on tv on lifetime hallmark. People just love row. Romance i think is one of the top selling cameras. Actually so is made right. We know that we know this mystery. And here and jerry not telling us what it is but there's a mystery in here is mason's gray is this a romance that people who believe in magical romance where things just magically go right in the end. Is this a book where they would just be so satisfied. Or is this more of a suspense romance Romance thriller type of story. I would say more romance novel with a suspenseful it. it's not. It's not mystery. Romantic suspense and i felt like my readers would be happy in the end and it was interesting. Some of the reviews that i've read said that they that they enjoy the book. They just wanted there to be more. So i thought that was interesting. It's not that they weren't satisfied but that they didn't want it to end. They wanted to keep going and then she goes that. Don't that's awesome review. How long is mason's gray. And and so it takes place in today's time periods. She is just. She sold her home the home she raised the kids in. She's moved to a rented a beach home home. A brody is i guess. He's on the road touring and somehow they they they so the story starts and let's say whatever period how many months or years from the start of the book to the end take place and covered in mason spray less than a year close to a year but a little shy of the year so it really is into her change they meet and what happens within the month following it just gets right down to it and how long is it. Is it like two hundred two hundred pages to fifty. It is let me take a look here so it is actually considered a the vela so it's at a little just shy of two hundred words. I'm sorry they just not i. That would be a phenomenal novel to me. That is two hundred. I say if you over forty thousand word novel that sounds like a novel to me. But you know it's good. Readers would say. They wanted more of the story. What are some other with some other feedback. You've been getting from readers beyond they wanted more of the story which i think is a compliment. That you've received on mason's a lotta people have loved that the main characters are people in that are middle aged people they. They had a lot of response to that. They were so happy he thought it was refreshing. That that morgan and brody were in their late forties and weren't these perfect twenty year olds you know or twenty base. Yeah and Several people commented on the kids involvement. And how they loved that that part of it that part of the story and and the relationship in there with between the mom and the kids are there every everybody everybody's been so kind With their reviews. And i'm so appreciative. Are there plans to write a sequel. Since you've been hearing the feedback from readers. They want more the story. Is there more that can happen. Between brody and morgan that you could write you maybe okay. So first question. We had planned to make this just a stand alone book when you first standalone so now that you're getting this feedback because series book fell bay. Well is there now. They're ideals circling and your mind to turn this into a series. Yes i've had a lot of people not only in the reviews but personally asked me would you please. You need to write a sequel to mason's great and it just touched me so deeply that how can i not you know. How can i not i. If the if the readers want it and they're into it then then all right. Let's do it you you see you get your. This is a thing. I'm trying to remember when this took off the series books it used to be anthologies one way to get your name out there. There's an author get in an anthology with some bestselling authors and get your name in their book and everybody promoting market the book and then put like a link to your website to your story or something that was one way it is still an effective way to get your name out there especially as a new arthur and another way that came along later when i first started i published my book portion ninety eight series books. I didn't hear so much about them and dollars. These i was hearing about not so much. Series books now is how a lot of authors become full-time nobelists. And they just put pumping them out. Some put a new novel out once a month. Some puts three four books out of the year. And i've heard some right to say it took them a couple of years to get there but they are. They are making six figures. Just offer book fails but they have a ton of books like thirty or more books. But that's that's a good way a series then the reader. Just keep wanna know. What's happening with morgan. Her kids and what's happening with brody and his son and his band and they just keep buying more and more of the books. So that's more you writing on that necks that next The next book in the series. Now i've started my outline on it. I actually have my. I actually have a book. That's about to be published in the next week or two. It's going to go live so my did write the second book. It's not related to masons great. It's about to be published. It's called reflections at mirror pond. But just come up with some great titles. Oh my good that can you. Can you tell us about reflections at you said mayor pond. Can you tell us. Give us a little inside. Glimpse into that. Well it's completely different than mason's gray. It's a lot more sentimental. It's really the story of three. That grew up together. It it focuses. The epicenter is mirror pond where they grew up where they spent a lot of time together focuses on their relationship as children but then it moves forward into their relationship as adults and it. It's just. I cried several times when i wrote it it Hear you get the most of them. Now oh my goodness is this. A mystery is this. Is this a bit of mystery and here to it's It will all the books. I ride are going to be romance so it always will be romance and i kind of don't like to say too much because i liked the readers to you know. Be in the moment of what's happening before knowing too much in advance. Is that okay for me to kind of leave it like that. Oh no i think. That's good but i can tell you Sometimes when you without giving the story away when you tell talk about the book enough where you don't hide too much. It actually a bills intrigue in the reader and makes them want to know more about this story. I i. I find that because if you don't sometimes if you keep too much back you have to build that intrigue and overtime i you you you you learn what to give away to build that intrigue so you give them enough not hold too much but enough so there is enough intriguing to say you know. I wanna know what's going to happen in this story that shared as we come down to like the last six seven minutes today show. Can you share a three to four steps that you take jury that you've found to be effective at getting the word out about your book Well actually that's you. Were asking me earlier about what was easier challenging. That's part of the challenge is knowing how to promote and market the book and honestly. I don't know that. I can say i'm still trying to figure it out. I do the social media. I reach out to my community for book signing events. And really the the. The one thing that i really recommend is for people who want to write to really do your research during the process on how to effectively publish self-published promote and market your book. I sort of just dove in and started writing and then had published. I didn't spend enough time. Learning about all the other things. And i'm paying the price now. Because i really don't know what to do. I'm just trying to do best. That i can so. I don't want that to be discouraging. I wanted to be encouraging and that really learn about this process. So that you're not like me and feeling kind of law to where you know that this could be a really great thing you just gotta figure out how to to to open the doors and be successful in the end like i hit a sometimes hit a lot of walls and sometimes it's discouraging but i keep finding ways to get around and over them good for you and it is. It is a tough road and the self publishing. When i publish it was like You gotta punched in the face. Librarians editors bookstores. Nobody would touch touch book so i just hustle hustle hustle and now we know what the working from home. The virtual but amazon wasn't even around when i started. I think they if they were. They would jess launching. So it was even that you try to get your books in barnes and noble and borders and local bookstores but some of the ways for for you jury into our our listeners. i got a hold of gabby press. I went to the library re reference. And i don't know how beneficial is now. But they have like magazines newspapers radio stations. And there i got me excel spreadsheet and i still use an excel spreadsheet today and. I still do this today. But i started reaching out to radio stations that i thought had the listeners who would buy my books. I told them the benefits to the listeners of me being on the show and i ta ti tired to a real life event news event even though you've novel My first book was about a woman dealing with breast cancer. And i was doing radio interviews left right up down in and out over the whole that and now they have I think it's called radio guest list. You can get on there. They have a book you can get on that amazon. I wanna say radio against this. They have a book for dollars in all these different online radio stations looking for gas. Some of them get a lot of listeners. Some of the shows don't get as many listeners. but like with off. The shelf goes into the archives. As long as i keep off the shelf going people come in and listen to the show. They can listen today. They can listen to week. People come in next month. They come in next year and you get more and more traction and i'm constantly promoting shows. I'm promoting show weeks after the shows have occurred. But so that's that's another way I think it's radio guest list again. They have on amazon. You can buy nine dollars directory. They put a new one out every year. Gabby presses another place You when i started out press releases is to do press releases and they get picked up. I'm not sure how much you get out of a press. Release blogging and and and I'm in blogger. But i don't know how much that leads the book sales. But i definitely get a lot of visitors. I probably get like thousand visitors to My blog a day. So that's another way to action Book book book bob. Bleier read the I'm just giving are kinda of tips looking for international places in other countries. Were you can promote your book. I go to okada books. That's an african bookstore You can do kindle. Book promos amazon sponsored as bogging books. See i've had buried success with bargain book see Some people would think is all gang books. But i'm just giving you a bunch of tips here their prices where you can go and then you watch your budget. 'cause you know everybody a flip add to you watch your budget and then i tweet your books. I think is complete your books. Were co. let her last name. But she's causing me various like thirty dollars a month and then they just shoot all those tweets out. So i don't have to do that Schedulers like who sweet beats. The print has a scheduler for like five or six dollars a month. There's so many different ways because schedule you're supposed to media post. I still go into social media. Radio radio interviews offline online. You could try. Press releases blogging. I definitely recommend that people do blogging. And then those other sites that i gave you over. I'm sure you continue to grow your career. Can you tell us we running out of time out of time. Can you tell us where our listeners can. Get copies of mason's gray yes well probably. The best place to go is my website. Jury myers goodwin dot com and right on the front page. There's a by now and just click on it and you'll shoot your right to the amazon site. You can go on amazon if you want to. But my website is fabulous. There you go there you go us as we have been blessed. Blessed to have on. This jury myers good. Went in her website is g. G isn't good. She is a great g. r. i. m. y. e. r. s. g. o. d. w. i n. Dot com. If you came in on the show midstream. Like i always say you guys in late into the show. You were busy this morning. He came in later. No ways no ways when the show finishes streaming you can go back and listen to it and its entirety archive and keep up with ms jury. When she's working on a second book in the series got a new book coming out and just a few weeks or days or weeks keep up with her please is she takes off. You can say. I was there with jury at the beginning and you have to be. Her support are now to be able to say that so her website bookmark her website. Go get a copy of mason's great by jury g. e. r. i. Good win jury. When the show finishes streaming i'll send you email to share your supporters and as always always keeps promoting and marketing. 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A Look at the Recommendations of the CFPBs Taskforce on Federal Consumer Financial Law with Special Guest Professor Todd Zywicki, Taskforce Chairman: Part I
"Welcome to the consumer finance monitor. Podcast where we explore important new developments in the world of consumer financial services. And what they mean to your business your customers and the industry. I'm your host today. Alan kaplinsky at ballard spahr and i'll be moderating today's program for those of who want even more information about the subjects that we are covering In our podcast please remember to Subscribe to our blog Which is also called consumer finance monitor. We've posted this blog since two thousand eleven and there is a lot of content on there and indeed We recently published blog about the very subject that we're gonna be talking about today so Let's get to our topic of today and in just a moment. I'm going to introduce our speakers today. The topic is the A report recently issued by The task force onc federal consumer financial law This was issued in early january after the cfp. Be about a little more than a year ago. Decided that it was high time to Appoint a luxurious group of Experts in the area of consumer financial services and have them take a broad holistic view of the consumer financial services industry and The laws that apply to it. And the things that are outdated and the things that are missing because of technological changes and They produced a report That is Very worthwhile For antibody that spends any time in the industry to study in detail. But let me warn you. It's not Bedtime breeding this. This is a long report. it's in two volumes. There are seven hundred pages of background in one report which is gonna be a fantastic resource for people who are Studying particular issues That pertain the consumer financial services law. And then there is about a hundred page volume two which contains one hundred and two separate recommendations about various changes that the task force unanimously agreed upon And these changes Stations really cover the waterfront of consumer finance. There is a lot there. now Would be better to have as my guests on a program Covering this topic then the chair of the committee of the task force that Put together this report so Once again i want to welcome back to our podcast professor. Todd's wicky And a lot of Welcome back todd. Grew delighted to have you. Thank you allan. i'd thanks for the invitation and also thank you for your blog which i read every day and his any central resource for those of us trying to keep up in the fast moving developments in this world. So it's thrilled to be with you. Thank you let. Let me just say a few things about todd. He is previously been a guest on our podcast so This isn't the first time. And i'm sure it won't be the last time. He is a jew. George mason university foundation professor of law at george mason university antonian scalia school of law He is also senior fellow of the cato institute he as a bio and a resume literally a mile long he teaches at george mason. a number varies a law. Bankruptcy contracts commercial law law and economics and public choice in the law I've known him because of the focus said he's had over His career on consumer financial services law He also has been a frequent Commenter commentator i should say Ah just about every notable Talk show on radio and tv. Also too lengthy to mention Before we get into that the heart of our program today me also introduce My partner chris willis Chris willis just succeeded me as co chair of our consumer financial services group Chris is practices at deals with. Consumer finance is a litigator by background. is probably Handled more zia. Pb investigations Than anybody else. I know in the country literally dozens and dozens of them surprisingly not just during the richard cordray era but during the kathy chronicler era And he is Expert In a lot of the areas that The task force focused on. That's why i want to have him as my Also a guest today But our principal Focus is gonna be in Asking todd a number of questions about the task force and then having a christmas chime in when appropriate in certain areas so let's Let's begin it so Todd how did you get so lucky to be selected as share of this incredible task force. I mean how do they happen. Well allen i have to say it was a real privilege and honor to be trusted with this. I want it's often pro forma. But it's sincere here. I wanna thank director kranenburg for envisioning this and committing to it as busy as a big project and particularly personally for not only having the opportunity to serve as the chair but to work with this unbelievably gifted group of fellow taskforce members howard beales. Tom durkin bill. Mcleod g noonan and our staff of who was who was incredible. We have small staff but they did unbelievable work and Most of them. I've not even ever had a chance to meet in person because the task force started in january we had to in person meetings and literally the day we were finishing our second week of in person meetings as the day. They close the the building in march. And we've done the whole thing. Virtually since then so and the task and the in the staff his just been been unbelievable. That members were unbelievable. It's just been a real thrill so i take it. The staff was drawn from Staff at the cfp is that how worked Most of them. yes so we. We had a combination of a couple of staff members drawn directly from the cf. Pb we ha- we borrowed some people from From other agencies one from the department of transportation one from the fed and we hired some some new hires Into the into the task force in for all that i want to recognize that weber in particular. Who was our staff director. Who oversaw all that and built a great team. I also while. I'm thinking recognized. Brian johnson leonard chain and. Tom paul who are three deputy directors during the time that this was ongoing. Who just really totally enthusiastic about it than supportive. Yeah so when you got together For the first time how did the task force decide what issues it was gonna focus on. How did that come up. That's that's a great question. Now because this is so these efforts of consumer financial form coincidentally seemed to come on fifty year cycles. In the nineteen twenties it was the modernization sort of people left. The farms and immigrants moved into the cities. There was a need for consumer finance. Like they didn't have in the past and that led to the uniform. Small loan law and a lot of reforms by the nineteen seventies nineteen sixties. What we saw was sort of a more national economy and the national economy basically called for for for for modernisation consumer finance laws but also a larger federal presence for things like dealing with declining cost of long distance calls for something for example. If you don't think about but which made the system of purely state based regulation of debt collection unworkable and so we get federal financial laws on on debt collection in the like so. We're on this fifth year cycle now and of course the development was the internet right. It's not just a national economy. We've got technology people using formation differently people shop differently all these different sorts of things so what we had was. We did have a big template to paint on allen and what sort of focused us throughout were or three goals. I was a focus on inclusion Financial inclusion and access which all of us believe is a moral imperative and the creating financial system that works for everyone is really important so that focused us a lot a second was thinking about focusing on consumer harm the and you know how to best use resources to minimize consumer harm maximize consumer welfare and the third thing was really modernisation which was to deal with the impact of technology and those sorts of shocks and so one of the things. You'll see alan. Is that the second. Half of that is. What didn't we address because people are often surprised just because something was important and we acknowledge a lot of things are that doesn't necessarily mean we address this and we laid this out in the forward the most obvious omission is. We don't say a lot about mortgages partly because mortgage is sort of a subject unto itself but what we when we were deciding what to address we ask three questions Which is i is this important. Second do we have a comparative advantage in saying something about it and third is do we have something useful to say about it and so if you take mortgages for example obviously that's hugely important but it's also the case that the cfp pb has done a huge amount of work on mortgages over the past past few years And and you know there's been a lot going on that that so so there are three par test and you know people can figure out You know what we decided to address on what we didn't partly based on that So one of the things. I noted that you didn't directly get into it. Although i guess i think it may be implicit in the section of the recommendations deals with small dollar lending. I don't think i saw anything in the report about the bill. Pending before congress to create a thirty six percent interest rate tap. We did not address. We did not address that and in allen partly what it is is i think You know there she you said there's there's two volumes. The second volume is addressed to pacific specific issues. That exists and i think there's a lot there that could easily read and figure out what but it's not intended to just be addressing kern bills current legislation right. It's basically here's some concrete proposals that might be done of the next you immediately next year or the next five years following. The one is the longer term sort of addressed in the next ten or twenty years of concepts and that sort of thing. And so i think the idea there is. Is this specific issues that come before the cfpb congress and other regulators. They're going to change right. They're going to vary over time and so we tried to do is basically say look. We're not going to write a report. That's going to be obsolete in a month or whatever we're going to write a report that address specific things that we think today could be things that would make the lives of consumers better and then we're also going to write a gigantic volume little say as new issues arise. Here's how you can go back to the principles we've laid out and apply those principles to specific proposals that come along or specific proposals. That might come along and so and so you know. There's really not anything in there. This addressed to particular legislative proposals in the lake. But but but you know the specific issues change. I think the report should be evergreen to say. Well here's a starting point to start thinking about things like a specific interest rate cap on in the like right so I think out of fairness to our listeners. They oughta be aware that there was and maybe still is some Controversies surrounding the creation of the task. Force a number of Consumer advocacy groups and a law professor I'm drawing a blank on her name right now but really I guess you could say They got their nose out of joint because they felt that the cfp be had appointed only industry people and they didn't appoint any consumer advocates and therefore it no matter what is in the report it ought to be disregarded because it does doesn't represent a fair cross section of us In the industry. So any and am filed a lawsuit against the cfp be Related to that What what's your reaction to that criticism Sheriff i'll say a few things. I and obviously i'm not gonna comment on the the lawsuit in like but that the first i wanna make clear. Is you know the five of us. We had nothing to do with selecting who was on the task force. We were select. t's not selectors and whether they may have asked other people who chose not to do it because they didn't want to or because they had conflicts issues or didn't want to divest conflicts issues as all kind of possibilities. I i don't know what it was. I know is that we had nothing to do with selecting the task force we were just. We were chosen. I think the second thing is our backgrounds in qualifications as consumer advocates i think speak for itself. We had to former bureau director of the bureau of consumer of the bureau of consumer protection at the federal trade commission. Tom durkin is. i think. Generally regarded brunell this the leading consumer consumer finance economists of his generation. He was just honored last year by the pb at their annual research conference for his contributions to this and g noonan was the founder of the first lawyer hired and the credit practices division at the ftc. many ago and later went on to the to the To the farmer's a i can't remember the name fans are too so i think it i think what we have speaks for itself. People decide what that is. But there's a larger point here alan. Which is that. I think this whole idea of consumer advocate and industry and all this sort of stuff. It's just we wanted to get beyond that in this report. This whole idea that right. Consumer financial regulation is a zero sum. Gang says you. Some conflict between more and less regulation is just not a productive way to think about this. I don't even know if we use the term deregulation in the entire report. Because that's just not the way we think of it and we say specifically in chapter six of volume one. We got to get beyond the idea that there's a zero sum game here. Consumer financial regulation should be aiming at creating a positive sum game with regulations. That are good for consumers. Good for providers in good for the economy at large right. And that's and that's what we should be aiming for and that in a lot of regulations relations are like that in that that should be the goal and so So i think from that perspective. That's what oriented us. That's why we have a seven hundred ninety eight page volume one. Is we show our homework. I think they should be able you know our old. Our overarching goals of a more effective regulatory system financial inclusion of financial modernization should be able to agree on that the goals that we do were the goals of the national consumer. Nc fifty years ago they may disagree with specific proposals and recommendations. We have but we go through painstaking detail over seven hundred ninety eight pages to explain where we came down to what we came down on and if they disagree they can disagree. But i think we're about as transparent as you could be As to are reasons for why we said included what we did right. So let's dive into the report right now. a one of the I thought more interesting segments of the report. was the one dealing with alternative data And maybe before we get into what the task force recommended How do you define alternative data. Todd what is really the way we define and one thing. I should say i want us. Also this. this was a consensus report. Everything in this report all five of us agree to its speaks. It speaks for all of us. Alternative data we just kind of a working definition not a specific one but really what it is is the use of data and that's not part of a traditional credit underwriting model essentially the things that go into a fico score and that's really sort of our working definition of what is alternative data. But we don't try to pin it down specifically because we kind of wanted to keep a functional definition rather than some formal definition. And i which i think is important right in. This might seem like a bit of a digression but one of the other things we says. This whole idea of banked or unbagged is not not a productive way of thinking about financial inclusion people consume financial services and all kinds of different ways these different types of payment providers and so i think alternative data versus regular data. It's kind of a continuum But it's really information that could be provided in the system. That's not part of a traditional underwriting model that could be useful for consumers in gaining access to to financial products and financial products a greater variety to lower price. okay and what exactly did The taskforce recommend with respect to alternative data. And then after you comment on that. I'd like to get chris's reaction as an industry lawyer to what has been recommended. So we have a three things three specific recommendations on this The first is an access to financial data. Which is that cash flow payments information. Things like that right. This is something that everybody agrees is useful in probative and should be allowed to happen. Basically can you pay your bills. Even you know even if you're you don't have credit card now that you're paying regularly. Do you have adequate cash flow to be able to service a debt for example these sorts of things right w ability to pay bills like rent and utilities and things like that to the extent that that can be useful to consumers to To include this the second thing we were really careful about. It's kind of a a a negative recommended dacian in in some sense which is to say. Don't freeze whatever we have today. Don't freeze in place. People's preferences people's expectations change over time. Right what people think of as an appropriate or an inappropriate use of consumer information changes and so don't put in very prescriptive rules that are going to tie. The hands of people in the future is to what they think should or should not be Permissible to include allow that to to to evolve without heavy-handed legislation or something like that The third thing that we We point to is just a lot of it is just simply is focused on particularly with people for thin or no credit report files and it also relates to any place that it's necessary for congress on this kind of a catchall to include clarification of laws are statutes that might be necessary to use this information We got a you know we. As part of the report we sent out our f. I request we are staff. Did a We did a comprehensive review of all the the websites and materials put out by consumer advocacy groups and others and we got a lot of feedback and one of the things we heard was that one of the obstacles to greater use of alternative data was a perception of regulatory. Uncertainty wasn't always clear to us whether that was justified or not. But but we but we did hear that and so we said basically wherever it is thought useful to clarify people's opportunities to furnish data that that should be done to to add those kind of clarifications whether through rule guidance or some other vehicle. Chris what is your reaction. I know you've done a lotto counseling of clients About alternative data. What do you think i think this is. One of the recommendations of the task force made that hold the greatest promise for increasing inclusion in our financial services system. We have been stuck for a long time in traditional way of underwriting credit products that looks at. What's on a person's credit bureau with the three big national credit reporting agencies and that's it and the cfp has expressed a massive amount of concern over what it calls the credit invisibles even writing three reports about them and this isn't a small group of people. The cfp bees reports say that there are like thirty million american adults who were frozen out of access to credit because they're thin fouls are no hits the national credit reporting agencies and they may have patterns of behavior. That don't cause them reflected in those databases so right now if we don't use alternative data they're frozen out of the system and that's not desirable not from anybody standpoint and the cfpb in particular has said that it's not desirable and i think the bureau has that the use of alternative data is the number one thing that can be done to accurately underwrite applications from people like this and so one of the things that i found most telling about the task force report was it's admonition for regulators to be cautious about restricting the use of that data and credit underwriting and in that vein what i would point out is the use of alternative data is subject in today's conversation to both general and specific issues that i think are very unfounded and very counterproductive from consumer welfare standpoint. You have this general attack that well. If we use alternative data in credit underwriting models it may have disparate impact and it may reinforcer perpetuate traditional notions of of discrimination that are embedded in our society and so therefore it must be a bad thing to to use it and then you have specific attacks on the use of specific types of alternative data so for example you have a collection of democratic senators who wrote letters to the cfpb accusing various student lenders of using alternative data in student loan. Underwriting that the senators say is a potential violation of the equal credit opportunity. Act again based on this idea that there may be a disparate impact in the use of that data and credit underwriting. What i think all this criticism fails to realize is the level of disparate impact. That's present in the usa. Fico scores or traditional credit bureau. Attributes is very large and all of the data that i've seen and we do work for a lot of alternative data providers as well as creditors who use alternative data and their models and invariably the data shows that the use of that alternative data increases the inclusiveness of the credit underwriting models. So it moves us in the right direction. It doesn't eliminate disparate impact like. There's nothing that i'm aware of in credit. That will eliminate it altogether but what we should do is we should move as an industry and as regulators in the right direction of allowing this data to be used and to be very cautious about starting to attach fair lending problem areas to the use of alternative data because if you want to deter the industry from doing something go out and say it's a potential fair lending violation that is the surest way to deterrent and the cfpb to his credit has done the opposite. The pb granted a no action letter to upstart that includes the use of some elements of alternative data. And then patrice vickland. The director of the fair lending office at the. Pb wrote a blog post a couple of years later sank. We've looked at the fair lending monitoring for upstarts underwriting model and we see no areas of fair lending concern so the bureau has not been party to this attempted discouragement of the use of alternative data. It's happening more in the private in private commentators. And so i think. The task force took it upon itself to respond to that criticism. Show that it is unfounded and to me we did a very valuable service both for consumers and the industry in doing so okay Thank you chris. let let me What why were on the subject of access and we've talked about the disparate impact. Theory let me A focus on something that is also hot issue namely ldp limited english proficiency. That is marketing. Two and an offering products to customers who main language is not english. Something gals And they may speak no english or very little english and that's been a a major headache because companies have felt that gee yet we want to make things available but you know if we open up that door Emily start you know Saying something's and a foreign language or languages does that mean we've got a everything's gotta be done in that language and we've got documents in that language it. We have two people who speak the language in every branch. So what what did. What'd the task force do their dot. Yeah that's great. I'm glad you picked up by one on that one. Allen or one of the things that i've been gratified with a dumb some people picked up the media's picked up sort of the flash and dazzle woah big high-profile things. But i appreciate that. You and chris and others have noted how much value there isn't a lot of these relatively smaller more technical that could really benefit consumers and i think that's a that's a good example the recommendation we have on that and and and it again is is christmas. Just suggesting in many ways with alternative data. It's a off question which is that. There's great benefit to be able to for financial inclusion of being able to reach out to consumers but if it's going to be a huge costly undertaking especially to reach consumers with relatively limited assets and income in opening up to liability and a large costs. Like you're saying to make everything comprehensively in that language that's gonna raise the cost of servicing those consumers. And so you know our report. This is basically. Let's focus on making sure that the relevant information you know the most important information and things are really matter are giving people in a language accessible version. Think about how more flexible ways of serving those consumers. And why does this matter. Well if you look at the fdic studies on On unbend consumers. What you see is and we talk about this in chapter ten of the report which is what you see is the fdic reports that the second largest caused of by consumers say they're on bank is a generic expressions called. Don't trust banks but it turns out if you peel that back a little bit. What you see is that's now a catchall for Questions that we're asking earlier studies toward more disaggregated. They limited the number of choices. And what one of the things that seems to be picking up. Is this question of foreign language. Access that back when they asked this question and one of the big reasons consumers say they were. Unbagged was because of foreign language problems and so we wanted to try to make it the case that you could at a cost. Effective efficient manner provide information in a foreign language so the customers could feel like they knew at least what was going on. Obviously obviously you wanna police that with you depp. And other sorts of sorts of things but this is a good example of of using those sorts of more principles based flexible rules of dealing with the problem rather than a highly prescriptive expensive regulatory system that has unintended consequences. The yeah so chris. What's your reaction to what the task force did with respect to ldp again. I think it's a step in the right direction. And it's really consistent with the position that the bureau has been taking over the last several years with respect to nine english languages if you look at the supervisory highlights guidance that the bureau put in two thousand sixteen on leap. They were very much of the view of trying to encourage financial institutions to do something in non english languages and not requiring then everything had to be in the non english language because the bureau rightly perceived that would be a barrier to doing anything in a non english language. And you see it again. In a very recent reflection the final cfp debt collection role which the second piece of came out on december eighteenth. It contains a provision about providing validation notices under the fda to consumers by debt collectors and giving them the option of providing in spanish. It's not required but a debt collector has the option of giving one in spanish notably though the rule or the official commentary says that if a debt collector chooses to provide that validation notice in spanish. It doesn't imply a requirement for the debt collector to do other activities in the collection of the debt in that other language. The idea is to ease the industry in to providing non english-language support by allowing them to do at one small piece at a time which is actually ascertainable and easy for the industry to do. Because if you tell the industry you can't roll out any part in spanish until you can do it all in spanish then. No one will ever do it. And when the industry believe that was the rule based on some consent orders that predated the supervisory highlights in two thousand sixteen. Guess what nobody was doing. Anything in non english languages so i think the task force and the fair lending staff have both seized on the correct way to address this in a way that in the practical real world means more financial inclusion for people who don't speak english as their first language. Okay i'm a. Wow we're on a roll talking about the fair lending and fair access Y there's reference has been made to this Disparate impact doctrine And our despite the fact doctrine a a doctrine very heavily utilized by director cordray During the for many years I invested when they were investigating auto finance companies companies were buying retail installment sale contracts from auto dealers around the country and First of all Just you know. Make sure Were everybody listening to our program. Today understands what it is. Maybe you could describe todd. What is displayed. Impact and Under the equal credit opportunity act. And then i'd like to you to tell our listeners. What it did you recommend there well. That's a hard one to to summarize. And if you look at the recommendations that's one of the more complicated in dense recommendations the the reader's digest because there's questions about this This basically what it did for reader's digest version. Most people think about discrimination through a lens of whether somebody intentionally discriminates against some other person based on their race sex or some other some of their characteristics. This bird impact Concepts basically deal with the idea of if you find a statistical disparity among people that is Correlated in some way with their race sex or some other impermissible characteristic that What are the circumstances under which that can be inferred to be caused by by by by discrimination in in chris. Might have clarification on that. And that's i say very very dense and very detailed as to to what it is and obviously this is something we took very seriously. And because you know we feel very strongly in equal credit access That's a very strong societal view. With respect to that. One of the things that i'm particularly i think is important in our report is that we urge more attention to that in modernization and review of of fair lending generally so for example. One of our proposals is that we should study and consider the obstacles with respect to disability. Disability is not currently included under rico. We don't say that it should necessarily be but we do but what the report does say is. We should investigate to see. What the challenges are we know that Households with this able people are more likely to be on banked for example. And so we don't know whether there's there's issues they're not but it's worthy of consideration we also talk about modernizing it to get rid of you know sort of somewhat archaic regulation so for example one of the where. It's not really necessary anymore counterproductive. So one of the interesting things is you're not allowed to ask about somebody's child bearing plans well one products z. Merged in recent years is people find providing financing for expensive alternative for fertility right. I've and that sort of thing and this may come as a shock to you but that tends to be disproportionately women who have childbearing plans. And nobody really thinks anymore that. Somebody's going to discriminate against you because you have childbearing plants a bud. It could interfere with these things. So i think you know a lot of what we're saying is let's look at this. You know it's been a real charter. That people believing since the seventies but there may be some changes With respect to with respect to this but let's also a lot of what we talk about here in the states very detailed and very precise is is drawing the line the christmas talking about which is ensuring fair access. But you know in in nondiscrimination but also doing it in such a fashion that it doesn't unduly interfere with Financial inclusion and the other that that that that people have in want it can make their lives better off and so are a lot of our recommendations are sort of tailored towards drawing that line creating more predictability in this world so that people aren't chilled in the way christmas describing earlier For for lending purposes in like and so a lot of what we have relates to things basically clarifying the law in in the like so chris Any reaction to what towns has had to say. You know one of the things that have always said to clients about the fair lending laws. Is that the first mistake that lawyers make is trying to make rational sense out of them in the way that they are applied. And the reason that i say that is because it's one of the least predictable consumer credit regulations that we have on the books. Because you have this idea that i you have a disparate impact so whatever the creditors doing will disproportionately impact someone on the basis of a protected characteristic but the thing is a lot of things creditors do have such an impact like using fico scores for example but that by itself doesn't make it illegal right because the disparate impact test has two reports first there has to be a disparate impact then if the creditor said shows that it's doing whatever it's doing for a legitimate business purpose then it's okay theoretically it's off the hook only does it then get liability imposed on it. If the government or the plaintiff proves that there's less discriminatory alternative that serves the business justification equally. Well the problem though is that everything creates a disparate impact and credit. Because that's just the way that the data is and we hope to move in the right direction on that but that's the state of affairs and the enforcement activity that we've seen under the fair lending. Laws is marked by a selective disregard of companies legitimate business interests. And so you could say well. Hey i'm doing something and here's my legitimate business interest and sometimes the government will say that interest is okay and sometimes the government will say we disregard it and there's no predicting when the government will disregard versus not disregard. What your legitimate business. Interest is for doing something on in connection with a credit product. And so the predictability point that todd just made is one that the industry could really use because i think there's very little predictability because the thing is you can sit there and look at what the enforcement activity has been over the past ten twenty thirty years and say okay. I don't wanna do that. The thing that other entity got in trouble for. I won't do that. But what you don't know is what's the next innovation that the regulator or a court made but more likely a regulator and say. Okay here's something that hasn't been done before. But now i will find this to be a violation of the equal credit opportunity. Act under the disparate impact doctrine. There's no predicting that and that does act as a great sort of deterrent to innovation. And i think to strategies that would involve more inclusion of more people within the credit system. Me if i could just add on that because this is something we you know that the task force talks a lot about in the report is sunday thinking about this in a wide angle lens about overall as i already mentioned inclusion but if you think about the auto dealer example For example in chapter ten we note that the pc chose a particular way of dealing with the allegations of the disparate impact in dealing with the auto dealer litigation. There's some evidence that what they ended up doing was essentially the the effect of it to make sure everybody's getting the same price was to raise prices for consumers in stifle competition right so one way in which you can make sure nobody gets a different prices to have a perfect cartel right where all consumers pay more now. We don't know that that's the case there. There's some suggesting that it was but one of the proposals that we have in the report. That kind of are under good government type thing is. We suggest that the bureau should do just as bureau does retrospective review of its major regulations. We say the bureau should do retrospective review of its major enforcement initiatives to find out sort of what they wanted to do whether they did it and what were. The unintended consequences might have flowed from it. Because that's a possible example of a situation in which the tool that they chose may have reduced disparities in pricing between between different groups. But maybe at the cost of increasing costs for everybody bringing the bottom up rather than the top down which would be very informative going forward as to how you might want to deal with situations like that in the future. We've covered a lot of ground today. todd and We're going to have to bring this segment to a close However next week We will continue on Because i still have a lot of areas to explore with you. So lobby Thank you so far todd. But you're not done yet and let the also thank all of our listeners. Today and Urge i all view to download The next podcast where in which we will deal with The remaining Important issues pertaining to the cfp b.'s. Task force on federal consumer financial law with our special guest. Professor todd zoecke.
The Supreme Court ruling on protections for LGBTQ workers
"We have two angles this morning on yesterday's Supreme, court decision outlawing an entire category of on the job discrimination. I'm David Brancaccio. We're following the Supreme Court ruling that the federal antidiscrimination law originally enacted in one, thousand, nine, hundred, sixty, four, does protect lesbian gay bisexual entrance, people from discrimination in hiring and on the job more than twenty states and some municipalities had laws against this kind of bias, but human resources, experts say companies should now update language and employee handbooks to explicitly make clear that discrimination. Discrimination based on sexual orientation will not be tolerated. Harassment and discrimination can arise in any workplace marketplace's Mitchell Hartman now looks at schools both public and private with the Supreme Court six to three decision that employers may not engage in gender gender-based discrimination against Gay Lesbian Bisexual and Trans Employees. lgbt educators will finally have the protection travel was deserved and be able to do their jobs free. That's Elisa buyer. Executive Director of the Education Advocacy Group glisten. She says until now lgbt teachers and more than half of US states have had little or no legal protection from employment discrimination. We had an example of a teacher of the year in Texas suspended for having come out to students in her classroom because they asked about a picture of her spouse. The Supreme Court decision will cover teachers and administrators. Administrators employed by public and charter schools as well as many private schools, but there's a clear carve out for religious employers, says cal State Long Beach. Legal Scholar Jason. Whitehead supposed to score as majority, opinion does acknowledge that churches are exempt from many federal civil rights laws, and that will likely include most private religious schools Tom Paul teaches law and sexuality at Seton. Hall University and is an advocate for. Employment Protections certainly won't reach into any sort of parochial school environment. There is a law federal on the books. The Religious Freedom Restoration Act that certainly would protect religious institutions in this regard to be free to discriminate as it were meanwhile in the wake of yesterday's Supreme Court decision. Trump administration education secretary, Betsy Devos faces increasing pressure to issue new federal guidance, protecting lgbt teachers and students from gender-based discrimination. I'm Mitchell Hartman for marketplace? Advocates at the American civil liberties. Union spent years on the cases that led to yesterday's High Court decision, and we're especially pleased. At the six to three majority vote by the justices I spoke with Gabriel Arcus a senior staff attorney with the ACLU'S LGBT and HIV rights project. He was an attorney for one of the plaintiffs in one of the cases that led to yesterday's ruling. He told me activists are still pushing for Congress to pass a law on equality that would make some related forms of discrimination illegal. It still critical that we've got the equality act passed. It closes a few important gaps. Federal Discrimination Law. So for example right now it is against the law to discriminate on the basis of sex in employment and housing. But it's not against the law to discriminate because of sex in what's called public accommodations which are places that are open to the public like stores or movie theaters restaurants, so a business under this ruling cannot dismiss an employee for their sexual orientation, but it still might be legal for business to say that lgbtq customers can't stay at our hotel or something. That's exactly right. That's what the lies right now. And that by the way is true for anyone who's experiencing sex-discrimination, so it's been against the law for quite some time for. Employers to fire somebody for being a woman. Or women with children, but it has been permissible for businesses to say we don't want women with children in the space, this club or this movie theater, whatever there are some state laws that prohibit sex discrimination in public accommodations, and certainly if the government is doing it and violates the constitution. The Congress has not yet passed a law, saying that it is prohibited sex discrimination to turn people away in public accommodations. Gabriel close is a senior staff attorney with the ACLU'S LGBT and HIV rights project. Thank you very much, thank you. We have a strong surge upward on stock markets today London's footsie index is up two and a half percent here. The Dow futures up five hundred points nearly two percent with the Federal Reserve. Chair Jerome Powell due to speak in about three hours. A pioneer of the shale, oil and gas. Revolution is reportedly reading its bankruptcy filing. Chesapeake Energy is trying to reorganize billions of dollars of debt and hand over control of the company to its creditors. Soon after the crash in oil prices that we saw this spring, marketplace's Nova Safa reports chesapeake energy has more than nine billion dollars in debt. Reuters reports. The company could file for bankruptcy as soon as this week, and in the final stages of negotiating about two billion dollars in financing a bankruptcy would. Would cap a downfall for chesapeake which helped usher in the fracking boom, extracting previously unreachable deposits and helping the US become a net energy exporter for the first time in decades, but Chesapeake Fulton hurt when a glut in the natural gas market caused falling prices. It's late. Co founder also was indicted for years ago on federal price-fixing charges, then came a one two punch an oil price war between Saudi Arabia and Russia and the COVID, nineteen pandemic with global fuel demand plummeting I'm Nova Sappho for marketplace. And in a basement in New Jersey I'm David Brancaccio with the marketplace morning report. From APM American public media.
pisode #39 Puiser la source des menstruations avec Corinne
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The CFPBs Leadership in a Biden Administration: What Do We Expect?
"Welcome to the consumer finance monitor. Podcast where we're spor important new developments in the world of consumer financial services. And what they mean for your business your customers and the industry. Our topic today is going to focus on enforcement at the consumer financial protection bureau. The agency was created by the enactment of the dodd. Frank act back in two thousand ten because stood up in two thousand eleven july two thousand eleven and it's almost been operational for ten years and during that period of time There have been a number of acting directors and and a couple of actual Senate confirmed director and so largely started Richard cordray being director and then with the change in the trump trump becoming president And after some litigation that transpired It mick mulvaney Became the acting or was the acting director and then ultimately a cran. Anger became the director and now with the Election having occurred and With a change to a biden administration in the offing On january twenty to be precise Were a witness change again at the agency. And what we're gonna try to do. Today is to really drill down on The changes that we anticipate Are going to happen. Come january twentieth an end thereafter. And i can't think of two people more qualified to address that subject than my colleagues chris willis and james kim so let me first introduce of a both of them I hardly apt to introduce chris wallace because chris is involved in moderating a of the podcast While today he'll be on the guest side and will be responding to the difficult questions that i'm going to pose to him so chris is the deputy practice leader of the consumer financial services group And he Is a key part of his practice. sense he joined Our firm Many years ago has been focused on the cfp of focus on especially everything that goes on there from a regulatory supervisory or enforcement standpoint but particularly in the fourth area. He probably has handled more cfp be enforcement cases than any lawyer in the country. literally handled dozens of them going back to the very beginning of the agency all the way up to the president. Let me also on now introduced james. Kim james joined us several years ago. after having served for several years in a senior enforcement position at these cfp And james when james was there it was under the directorship of Richard cordray The agency was very very active at time and james was involved in a number of Cutting edge investigations that ultimately resulted in consent orders. Some people James probably calls them calling judge other. People may say pushing the envelope james. But we'll give you the the benefit of the doubt cutting edge so before we begin today. I want to warmly. Welcome Chris and james. Thanks allen we're glad to be here likewise okay okay. Well now we're going to get into the question. And i want to talk about Ah what i perceive to be a widely perpetuated mantra that you hear throng Senators and congress. Pete persons on the hill Usually on the democrat side And what you hear from consumer advocacy groups all the time. Then during the caffeine manager era Not a hell of allow when on that. She was a. She was captive to the consumer finance industry. The big banks and and she did virtually nothing particularly in the area of enforcement and that out Our clients have been able to take maximum advantage of that Add to the detriment of consumer. So that's what you hear all the time. Chris what do you say to that. Yeah what i say is just not true. You know i mean we of course experienced the workings of this agency on a daily basis. Both in enforcement matters that may eventually become public and in supervisory matters that stay confidential because of confidential supervisory information and the demand which those are handled but the statement this cfp be is sort of in the lap of industry and is doing nothing to protect consumers is completely inconsistent with the reality of what the bureau has been doing over the last several years on the enforcement side. There's been a significant uptick in enforcement activity over the last two years and not just in terms of number of cases but the cfpb has brought some very innovative cases. That are pushing the envelope. I think so. For example you saw the cfpb come out with a brand new theory extending the concept of mortgage redlining to a non bank mortgage lender that was an affiliate of real estate brokerage. That had never been done. The cordray cfpb never did that. The civil rights division of the doj under obama never did that. That was something this cfp did. We also saw the very first instance of a litigated enforcement. Action being filed against a large bank. Which was a fair credit billing. Act matter f- Filed against a large bank earlier in two thousand and twenty so to say that this is a bureau that is not doing any enforcement is just not so but then there's a lot of activity also going on and supervision where it's not that readily visible to the public is it's visible to us. Because of our work with clients the industry but examinations have proceeded with zero change from the way that they existed under the cordray administration. And the examiners find just as many violations require remediation required changes in policies documents and communications. The only difference is that they frequently frequently will resolve matters through supervision and not escalate them to enforcement then was the case under director cordray. There were lots of referrals from supervision to enforcement under cordray and less so was that the case under director chronicler but the thing is consumers are still being protected. Practices are still being changed. Remediation are still being made. All of that activity is still going on. And so i don't think it's fair at all or accurate at all to say that this is a sea of that is in the throes of a relationship with the industry in is doing nothing to protect. Consumers are experience exactly the opposite. Well and. I've got to get your reaction james in a minute but The other thing you hear a lot is that Because of the fact that there's more activity in the supervisory area less reversals. To enforcement that you don't see Many civil money penalties as you use to When cordray was director The civil money pound as often were disproportionately high compared to the actual mind terry harm to consumers and That seems to have been tempered somewhat would. Would you agree with app breath for sure. And i think that reflects an understanding on the part of the bureau's leadership that civil monetary penalties are not an end in and of themselves. They are necessary in some instances to achieve the goal of consumer protection. But in other instances they are not necessary and in fact you know having participated in lots of supervisory exams myself. And my colleagues have as well including james. We see the effectiveness of the supervisory process in changing industry behavior and securing remediation for customers even when there is no civil monetary penalty involved so to say that monetary penalties are barometer of consumer protection. I think is also misguided assumption. Yeah so james What do you think. I mean you had a bird's eye view To what went on in the enforcement. Division When Richard cordray was director And you've been involved in handling multiple Cfp investigations under. Kathy graninger. what you're going to ask you the same question well. I agree with everything that chris is said. And i would add that. The threat of enforcement or the involvement of enforcement has always remained. Do they continue to support in the background. Examinations the threat of enforcement upon receiving par letter very much still exists and has existed. So i think you know. All we're seeing is recognized manager just having different but entirely reasonable and i would say bearer kind of view of regulatory tool choice again. We don't have to sit here. Judge want director against the other. But i think it's it's very fair to say that of you have to directors that had i think you know reasonable views about how they wanted to achieve their missions and how they wanted to allocate resources and select various regulatory tools primarily supervision versus enforcement. Both of which are i think. Completely justified in reasonable reflect just policy views that that's what it is but it certainly entirely necker to say that the bureau has done nothing. Were not enough to give you an example. The threat of enforcement and the preferred choice of using supervision enforcement has some positive results for consumers of chris. And i deal with these kinds of matters meeting exams in worse than it all the time. It's common for a companies in our clients to offer a more expansive remediation to benefit consumers in exchange for avoiding enforcement and not paying civil money penalties. So so to chris's point just tagging somebody or company with the civil money penalty doesn't necessarily benefit the market or consumers. You might actually take money away from remediation and at the end of the day. A lot of companies ultimately indirectly pass along the cost to consumers. Anyway so i think there's plenty of examples where you could impurity say that consumers may have benefited from the increased use of supervisory tool the final point. I want to make is a. I think it's also worth pointing out that. The cfp under cranny has continued to coordinate albeit in a different way probably with state authorities. And so that that in itself in and of itself is noteworthy again another example of how she's continuing to perform her job and i do it well. by selectively coordinating with other agencies such as the federal trade commission in the banking regulators at the federal level but also at state authorities and there are plenty of examples of that of including a with new york attorney. General's office you know in contrast that with the last four years of whether or not you disagree with any of this. There are all been disputes war of words and lawsuits between a certain state agencies and federal agencies open hostility where they are actively working against each other again regardless of who grew with or not. But you don't see that conflict at least not publicly between the states. You know there might be some criticism or difference of opinion about over a for example. The efficacy of sandboxes right in a state like new york doesn't think they're worthwhile but this yet he does. But you don't see the open hostility and you certainly don't see the litigation between the states like you do some other agents and you know James because i recall when you were to see. Pb one of your responsibilities was You were a liaison to state attorneys general. And the fact that you know it's still continuing under chronic juror. I think berry significant. I don't think people would have predicted that at the beginning of her return. So let's now turn the page right under the us supreme court opinion in the ceelo law case it's now Absolutely clear that the president whoever the president by be It could be president trump right now or come. January twentieth will be president. Biden can remove the director. Kathy kranjcar without costs Even though the language of the dodd frank act Basically says that the president can only remove the director of for cost but in order to preserve the constitutionality of the language at language in dodd-frank the supreme court redlined the four clause language and now the president Again appoint a new of again can fire the existing director and once that happens the president can of course nominate a new director and that new director will have to be confirmed by the senate only requires a majority vote. One time For this kind of an appointment it needed a number to avoid a filibuster. He you needed sixty votes. but y'all you need a majority And there's a lot of confusion right now as to what party is going to control the senate not clear The it's all really gonna come down to some san arrays in your state growth Where if the democrats win both races which is a pretty tall order. I would think Than the democrats will have control of the senate at that point. It should be fairly routine For them president biden to nominate is director. Who ever he thinks is appropriate and it will get confirmation. And then the meantime who's gonna happen as somebody in there in an acting director capacity Once kranjcar is removed. And there're issue as to hot become the acting director. Can the president appoint an acting director Until there has been confirmed senate director Or under dodd frank the language in dodd-frank. The a that dumb if the director is no longer available to serve the deputy director. In this case. I think it would be Paul would automatically become acting direct but anyway Let let's get into that. And i want to turn to you james and a focus verse on a the appointment of a new director by President biden come january twenty What do you think. How's it going to make that determination or do you think he may have already made it. I think the public indicators are that he's assembled a team right a dedicated to the pb. So he's got. His larger transition team is different members of the transition team focusing on different agencies into the bureau it's being led by leandra english. Who if you recall was. He's the one that had the dispute litigation involving mick mulvaney over who would be the acting director at the time. So she's the head and she was coordinating holdover in someone that Director cordray handpicked to be acting understanding that she would likely of at least for some short period of time assumed the helm of agency. So i think that's important to note rioting that that's that's news that everyone seems to be aware of but i think it's an leandra english. His hands along with the team that she's assembled which includes many alvarez who is the current head of the california department of business oversight and a former enforcement attorney along with myself we. We actually were on the same team and of course. Richard cordray is consulting as well. So i think that that's the group of people so the short answer is i don't think biden has has has someone in mind but he's put a team in place that will make the decision so press Like to get your a reaction. I don't honestly. I'm not sure i agree. Do james that that Half for our transition team is gonna make the decision. I think a particular senator Is might have more influence than the transition team when it comes to who will be appointed. What do you think rose. I do think we should expect a lot of influence on the director selection from senator warren. She's historically been very attached to the cfp be. It was kind of her idea in the first place in the law review article that she had written with oren bar gil low these many years ago describing the blueprint for the cfp and so we do expect her to have a significant role. I think in influencing the choice of a of a nominee for the director and of course if that is in fact the case she has made no secret of her desire that the director be very aggressive in terms of enforcement of the consumer protection laws. And so that would be a blueprint for having a nominee. That's similar in quality to richard cordray. The first director of the cfpb being so what about This issue that. I mentioned about the fact that we don't know who's in control of the senate In republicans or democrats. And we i think. The election is early in january I guess we'll pretty quickly after the election but might this The next director really depend on whether the republicans retained control of the senate. What do you think possibly So if their first of all i agree with you that tall order for the democrats to take both those senate seats in georgia and if that in fact is borne out and the republicans hold at least one of them then any nominee has to garner at least one vote from a republican in order to be confirmed and so the thought is that that would exhibit a moderating influence on the choice of director for the cfp be and probably other nominations that have to be confirmed by the senate as well and so that could act as a check on the desire of the more progressive parts of the democratic party to have someone installed as the director who would be you know very visibly aggressive at least at the outset or through the confirmation process so there could be a moderating influence they are. We'll have to see. What are you think james. You have any further reaction to You know buddha director is gonna be and how quickly This is all gonna happen then. I wanna get into the issue of acting director is. We've all learned that an acting director for likely period of time And can a really have a a big impact. I mean you look at mulvaney He became acting director. I know i don't recall the exact period of time but it seemed to me was somewhere around nine months. Maybe longer does anybody remember. Is that the actual duration. It was many months that's mattie monse and and during that period adama guess it's fair to say there was not a lot going on in the enforcement area very very very little if anything because he was spending all the time looking at Reviewing the inventory of cases than trying to determine what to do. But what do you think james Do you have any further comment that Or should we move to the next issue of. How does the acting director gut selected. Yeah no i don't have much to add. I think the this amplifies the stakes of the senate runoffs in georgia because It could affect not only be a profile of the appointed director whether that director could be a more progressive or must be someone who will garner. Bipartisan support estates also include I think how long acting director stays in place. Because obviously if chris through the nominee the acting director stays in place for a lot longer and so the final point at is. I think because it's likely the democrats won't get fifty. I think that's one of the reasons why An influence that senator. Warren may have will be one moderated into has to stay more behind the scenes because she's a polarizing figure and so i think the perception that she's driving the selection may help. I'm sorry may harm the ability to push that nominee through. Let's turn to the acting director. Has that work. One of you You walk us through that. I know i had a discussion yesterday with a reporter. Who said that. She heard that under the federal vacancies. Reform act that that would not be applicable. Because it's done. I want to get that language If i can find it here. Yeah because under the vacancies reform act. It says that if somebody resigns from an office and capping crandon or may not resign. I mean she might but it probably would be under pressure or she could have fired Under the seal of law opinion And and that certainly is not a resignation as such And that goes on to say if you're other even if you didn't resign otherwise unable to perform I'm quoting here. The language the functions and duties of the offices Under the reformat Then at that point and acting director can be appointed by the president. But the argument is a firing. Doesn't make isn't something. I guess does theoretically technically make you unable to perform but doesn't really fit within That language or do you go back to the default language in dodd-frank that says In the director is unable to Continue to act as director. The deputy director becomes the acting director and my understanding. Is that tom. paul Would become the acting director so Like to get I guess i'll go to chris bursts thoughts on now. I mean. this is a complicated question. That i don't know that there's a super clear answer to but i would think that it would be the default provision in dodd-frank that would govern Biden terminated kathy cranberries director of the agency. And of course tom. Paul is someone who was appointed to the agency during the trump administration. He's not a holdover from the original. Directorship of of richard cordray. And so that wouldn't really do the democrats that much good if they want one of their own To be leading the agency so and that would result in it could result in the debt and the republicans dragging their feet in the senate About approving any nominee joe biden. Because they've already got somebody there. They like correct right and so that that doesn't play out super well. I don't think for the idea of the best way to to get into director in place. What do you think james. Yeah you know it's funny There's been some speculation or just kind of all on bureau along ny about something similar to what you guys are saying. Which is the gamesmanship to to to keep the acting director. Who is someone appointed under the current administration to try to keep that person in place in in in in and therefore tie up. Were delay a full senate confirmation You know for different reasons. But i think we saw that You know with the prior director. It took years for director cordray to get full senate. Vote one way he other well Let me throw into the mix Something that which i think could be. It doesn't it's not necessarily The correct answer but the there is an opinion letter Of the office of legal counsel. Which i think is powered of the justice department dated november fourteenth of two thousand eighteen and adult with what happened when jeff sessions was forced to resign as attorney general and booed them become the acting attorney. General until a new attorney general was confirmed by the senate and of course there was some period of time before that happened before bill barr a gut confirmed and there is a footnote to this opinion where they office of legal counsel concludes that of the president would be able to act under the vacancies reform. Act about it would have to jump through all the hoops of that act and one of the hoops. I believe is that the person that gets appointed with either have been confirmed by the senate persona other position or had served in various senior role at the Cfp be per. I think a sixty day period of time The other thing. I think we all have to recognize. Is that while the three of us probably think one of the most important issues in the world right now is who's gonna succeed kathy chronicler. You know because that's very important to our clients then Who thirsting for that information There's a lot of other things that the new senate is gonna to have to deal with early on including Will there be another stimulus package. Will there be. An infrastructure at bill is given A immediate consideration and so in the greater scheme of things. It's hard to make the case that this is going to be a top priority of the bureau. You agree with that yeah okay. Let's talk about really the final thing. I want to get your your opinion on are the expectations of for new director Who how do we think things are going to change. And i know. Chris and james you already talked about how really under prancer there were changes but not as impactful as we all thought and And i recognize now. We don't know who's going to control the senate and therefore we don't know who is gonna get confirmed as the next director but a weekend. I guess look at a couple of different scenarios. The democrats get their dream candidate in there A progressive candidate zone. Similar to richard cordray. Or they get a more moderate democrat in there. So who wants to take a shot at dabble. Yeah there's a lot of back and forth. I'm sure that we could cover. No particular order a one area where i think we saw dramatic difference in the bureau under the leadership is making so i think under the scenario that you laid out allen I think the biggest most dramatic change would be on the rulemaking front right. So i think he. You know the small dollar heyday rule of could yet again chain tried to include the ability to repay and the other provisions that had been initially proposed in taken off. The table could be put back on the table. Some four and then. I think that's the most obvious one right a radio. There's there may be changes to the debt collection. Rule that everybody's focusing on right now. What item that had been on the making agenda regularly and it was kind of you know removed without much. Fanfare was a a larger market participant will make defined it installment loan market. That's a very large market. That is not supervised but bureau because there's no larger market participant bull. You know that that would be an area As well and then. So i think rulemaking is the most obvious one in there are few others. But let's just take one at a time. What do you think chris. Yeah so i first of all. I agree with you on your observations with regard to rulemaking just like we saw some rulemakings become kind of a political football in between the changes between the obama and trump administration's and between richard cordray though she succeeded him like the payday lending rule There's no reason to believe that the same payday lending rule as well as the debt collection rule and the ten seventy one rulemaking process make it affected by the choice of what is and seventy one growth. Oh sorry. ten section. Ten seventy one is a section in dodd-frank that requires the cfp be to promulgate a rule requiring the collection of demographic data on small business borrowers. It's similar to the collection of data. That's done under the home. Mortgage disclosure act for consumer mortgage loans. That data's them collected and submitted to the government and is publicly available and is primarily used for identifying and bringing fair lending enforcement actions relating to that type of lending. So that's the making that the baby is now in a court mandated timeline to finalize on and when it comes into effect we expect it to bring about a great deal of increased activity on the fear lending front as it respects. Small business lending. What do you think Let's let me give you the easy part of the question. What happens in the areas supervision and much it will thing. Yeah it'll be totally the same. I mean the thing is it didn't change a when when director cordray left and even mick mulvaney was acting director supervision. Just doing exactly what it had always done. It did the same number of exams. The were of equal duration and death as they had been before they were just as willing to find call out. violations of law require. Remediation require changes to business practices and in fact we started noticing them. Send a lot more power letters at the end of exams. Starting in around two thousand seventeen which had not been the case prior to that point. So i think all of that will continue to be the same because nothing really changed to begin with now i do. There will be a change in the tendency of matters to get escalated from supervision to enforcement. That was something we saw a lot under director cordray less under the current directorship of kathy. Kranenburg and i think it's reasonable to assume that will return to the cordray style. They are of having more matters. Resolved in enforcement rather than supervision preferentially. And i guess we'll probably see The return of larger civil money penalties. Right i believe so because again you have this narrative from the democrats about how the agency's fallen down on the job and they're barometer of the agencies vigor of consumer protection is the number of public consent orders and the number of dollars that changed hands as a result of them. And so i think in order to make that narrative true the newly appointed director to make the number. Go up and so. I think they'll be pressured to do that. Yeah i agree. The one thing i would add about changes the supervision is i. I wonder if under new leadership the bureau matter of policy and also scratch statutory interpretation and take the position that it has the authority to supervise compliance with the military lending act. That was something that mulvaney realized and said he didn't breed Dodd frank to give the bureau of that authority and therefore they weren't going to include mla in examinations target companies that focus on lead to service members for example Be forced to tool send out issues which is really a poor fit. I would say for diagnostic compliance. So you wonder if a a new director take a different position. And you start to examine for emily compliance which begs the question. Which is you know. Now that the issues highlighted meeting potential gap in the statute with that 'cause trade associations certain companies to litigate to say a. You don't have the authority to examine this for. Mla combines thinking through added a way that gets you because if the bureau. I just send you a id instead museum. Could the hell wants to be in that position and also optically no matter what kind of company you are. What their political stripes are do you. Do you wanna be perceived as someone as a wanting the leeway so to speak to to not comply with the military lending act any. I don't think optically that's something that in any company wants to have section. I agree not a not a good look for sure Look like you're trying to avoid compliance with the am l. a. Let me Let me move to a slightly different question The related to all this is it conceivable that either of you think that the republicans Knowing that you know the the leadership for the next four years is not gonna be to their liking might they be inclined to push for an amendment of the consumer financial protection at. You know what. I'm gonna ask right now calling for a five member commission allah the federal trade commission The it what it would seem like this might be a good time at least through the republicans to try to push for this whether the democrats go along. I i don't know but i think probably not I don't think they something. Elizabeth warren Would support you recall. When they were enacting dodd-frank the original version of the bill passed the house. Call for five member commission when it got over to the senate The the democrats realize they had a lot of leverage going for them at that time and they got rid of the five member commission and substituted governance by a single director Do either of you think that this is now a propitious time to bring this issue back up to the table and the chance that something like that may happen while alan i would say it's just as propitious time for this as it was when trump was elected and he was going to be appointing new director to the cfp be and the rationality that should compel both parties to want to go to a five member commission. Sh- garnered zero interest from the democrats at that time and so empirically. I think we have to say that. It is likely that the republicans will be just as interested and i mean disinterested in going to a five member commission today as the democrats were before. So i think the answer is. There's no reason to believe that it's going to happen. Even though it would be a great idea and it would provide more stability and predictability for everybody. Yeah you re james. Yeah i think the chances I owed of zero right. Unfortunately i tend to agree with both debut even though it really would be a prudent thing for congress to do But there's a big difference between what would be prudent for them to do what they're actually gonna do. So we've come to the end of our show today Wanna thank Both james and chris for joining me today. Want to thank all of you out there. Who downloaded our show today. and to remind you that our show is is generally released. A new show every thursday except when thursday falls on a legal holiday We've been doing our show now for little over two years. We've had more than a hundred recordings They're all available on our firm website. Ballard spahr dot com There's a lot of content there and there's also a lot of content on our blog which is called consumer finance monitor dot com. Goes by the same name as our podcast. Show and Also wanna remind you that between now and the end of this year we are continuing to do a series of very timely webcasts where we are providing sealy credit Too long those of you who are lawyers than need the credit and we have a video component to it. So you on those webcast which we already started doing a back in early. November will continued domes with the end of the year You'll be able To not only listen to our voices but you'll be able to actually see what we look like and We have a lot of our colleagues are involved in the web cast a series which has caused consumer financial services in turbulent times so i really commend that to you and if you miss any of the webcast day are available Because they've all been record and we cover the waterfront literally every angle every nook and cranny of the consumer finance industry we explore the talk about reason developments and we talk about where we think things are had in two thousand and twenty four so again. Thank you for listening today.
"Bird goes on media. This is coming out stories. They cost about one of the most important conversations. If your life I'm swell giant giant all Jesse depending on when he catch them because they identify as gender fluid I would say identify as non binary gender fluid person non binary so you don't feel entirely male or in tiny female any time not correct. Yeah I'm just make a person who just flirts between in the binary as police but useful quite dramatically. Now the way you say you are the present very mild or you present very famous. That's the choice. Yeah I do. And it's an open field because there's a lot of people who are non binary who will rarely rock a bit where Farah face of makeup and address for us us just not. I think everybody has their own style. Not really me. So what is you preferred to dress. Does it depend on the day. It kinda does I mean it's as with because biologically I was born male no obviously gun free male puberty and I'm now essentially a grown male adults for maybe a different life. I fo- may have been aware of stuff I am now. A may have transitioned as as a young child and now more feminine for Astill reckoner would be a non Viner is old. It's not it's not like you're saying it's too late transition. I certainly know people who are in the fifties sixties. It might say it's twenty twenty seven twenty seven. It's never too late. Never for I think for transition for people is unique to them in their circumstances and situation. I believe everyone has choice. Never run as a path and I'm happy with a life. I although maybe if a new now new then gunned down a different route. I don't want to on that route now because I'm happy the way things about pronouns which do you prefer like today Marla. densify would be offended of us who to Heo him. No not all I'm I think again. I think it's personal to the person. Everybody's so different. I have friends out there who is specifically they in them. They do not want to identify female. All male the strictly binary they sell they are a great person on the mound for teams. That have he's been around for her and it's quite interesting because a law languages don't even have gender in them Nothing Turkish is one. That is no he or she is no pronouns agenda but for me no I think a a lot of my life has been male dominated so for me to switch off. It's going to be a big adjustment for people could go their bought Ryan on. I'm just happy to to kind of go with. Hey Shay they manifest presenting like now if Aclu Heo him but he'll presenting is just the perfect he machine correct correct. Not that works with me. It's totally fine. I've been caught a lot worse fishbowl. So how do you think you when you first saw not like the boys's leases schools. As a child I knew from being small that was different. MADONNA COM address. New moms close as a small small small child. Old probably say three or four has elliot's I kind of sent me down a different path because the first reaction was to kind of make a joke and embarrassing Matt Him for not everyone is doing this and then as a child. You think it's wrong not allowed to do this. Issue shouldn't do that so but can you remember that about. Can you remember yet. What would it felt like when you just close a couple of talking just felt it was just something that I knew how to try and experience it was just I was just drawn ron to it like I come also drawn to play? Football are watching the box and all the AFC which is something that no matter how far away and I always was drawn to the feminine side of things as well. And how else did you express it though you say you you just closed because it was that old data until it got car and then I think it had a love. You've trans all gay people are LGBTQ. I people doing. That's run from who the I spent a lifetime being the complete opposite as a quote from the situation and so quite recently rather the past couple years rarely decided. I'm a grown person. Can face who I am so really sounds like you went from the ages four to about twenty five so of suppressing that side a hundred percent I think especially because it's for coming out stories for me Kahad to come out to myself before. Come out to anyone else. It was still a battle. I'm not list person. I can't do that You know always consumed by guilt and shame and fear of what other people think and then they just got to the point where I was lat long. Do nothing wrong. Good not hurting anybody. I'm just being me and expressing myself and it went from the era real. How did he manage the command to yourself? An certain for some people to spend too that she said it out loud beat themselves in the mirror. I actually don't know both the exact moment it was kind of. I went to a fancy dress party of friends and I want as as a female and I just knew that moment average out to Gordon then I was probably happier on that night than had been For a lot of overtime so I think it was after the Oklahoma Ryan needs to have a hot with myself as well. It was the people. How did it feel them when you were out this front suggest polity and you put a frog on a new actually in front of your friends and your partner in what what was supposedly fancy chest but it was more than that? Yeah it was it was it was definitely more at an allergist play the greedier and jokes about I enjoyed too much. I'm really I was just in my element. Let's different nice and this was literally a couple of years ago. Yeah my more my maybe about four or five years and the moments the first moment you went out and bought address for your cells and so I'm really kind of Pissy. The severely account ignores any longer maybe eighteen months ago two years ago I think I think my first Nile is. Jesse was about two years ago on Canal Street in the gay village in Manchester. The certainly was and it was great. Carell amazing I mean friends. We had to make a passage me as in movies com for the full. She's on for hours still so friends. As when I'm ready on. My mind might not be ready to leave the hotel. I might just end up staying in because I was scared. See did it with friends and so you felt comfortable enough to tell people and yet well I say friends friends. Who was who's going on free similar stuff too? I was a giant social media and that gave me a whole new world of connection and all the people that was kind of when I also come to as myself because that social media people color themselves even if nobody else knows about it so I know plenty of people who are closeted on social media for their themselves on the social media just the rest of the people who don't know no he. The are pretty interesting so you came out to strangers essentially to begin with. Yeah pretty much. Yeah and in fact twitter's been important for thing doesn't it. Just this gave me a place to belong From all them years of you know being scattered telling friends or family off feeling the along with my own mind joined twitter original originalist to venture. There was other people like me and then it just opened up a whole new kind of williamson kind of caught some followers and and people let let me just tell you justice being called Jessie J. Either I get called called Jesse. Jj gesture the law Gal saw also. But you don't mind then fine as a man to let today your mail presenting say Jj. But then if I were to meet you in the evening in your old frock. How'd you have flowing with your mazing makeup? Probably anyway what was going to say was yes. Jj you say you've got some followers on twitter about eighty thousand Disner not quite much now for about seven so I think it's a lot. How did you get that many of that? Many people on twitter. It's a interested in your story. I think I think I mean the thing that I found was it gave me a place to belong and then as I become more confident kind of grown grown with the journey and a half people message Malalai followed you. When you want one follower all you know one hundred followers and now to see the journey through twitter has been quite incredible for them but also also through that platform? I've had so many people message me and say a married to a beautiful woman of kids all over this side account Salam. I don't know how to I know you've managed to do it. Can you help me do that. So it's been quite interested in seeing how many people want the support issues story so so tell us what that was like what you'll home situation. Yes Oh I'm happily married to a beautiful woman. I have two beautiful children and I have a really supportive. Liberal family moments great numbers brothers a grey. The everyone's been great reeler for I think I was. I was trapped in the prison of my own. Mind affair of coming out to them. ABSO- I came out to my wife life and that was after the fancy dress party of you know I was like this is serious any of this chat now. I know at the time I was fully prepared to lose my wife in terms. uh-huh of I didn't know how she will take. You know it's a big thing to say to somebody that I think a might lie. LACERRA might be gender fluid. I'm not sure what it is at at didn't know what her reaction was Osborne. New to go forward we had to be honest. And how did he phrase it on gender fluid Noah. I mean I'd never even heard of those terms by that I just it just explain the situation. I was just lie. We did this lawn. Suggest part in for me it felt amazing and explain the life of fellow bit different and how was racing on my chest and take her and she was amazing before she was like well. You know you still you still love for the person you also will go on the journey together and and that's where all started real pretty lucky. Thanks let's say you were really scared that you'd looser and she's been amazing Stola wardrobe now. She steals my but yeah now she's just been an incredible rock even fruit telling people and coming out with the people. She's always been she's offered to you know. Speak to people on my behalf. If that's been something of wanted today but rarely she's been great because it is a big thing and Jessica is not really the person she met. But we've we've made that she met. Jj who is your jj today. You go quite lots double emulsified gear on came in with Moscow. It's got and you blow key. Got Quite placate you up. I'm Agus Engineer Engineer. It's not like sort of gay booker jobs as sort. Yeah Feminine Room Now. I think that's I took a lot of people by surprise because I'm not like people assume you to be. You know eccentric ALCOM Tom. Paul flamboyant authentic found. This is not the case where the people are just then. Is it a case then because you say you just almost like another person news. It's almost like you've got to separate identity is weird kind of because it's a really difficult one the situation. I'm enough now still with my career and children. I'm still in the early stages of figuring out where it needs to be and where it's going to go So I'm just kind of keeping them a little bit separate just just for now while things panacea out you know just recently at like an x group of friends find out and stuff of who you know. Didn't take as well as a close people that and it's just insulate themselves down on the dosages and kind of figure out where I need to go kind of. Put them in Sacra boxes but for me. I may doesn't allow although I'm Jay Jay and I'm just as much Jessica so yeah I think he's TEPA that must've of her either knows people just not accepting just they don't understand it plus you. Yeah now I mean I've so much love and support around men and you know these people leave tries to mock me ever each about fight on them so I'm not really I'm I'm not to foster baller. I'm what about your kids. Because they're quite young to wear that or not really so my youngest is two so she's She's an angel. She she doesn't understand yet. GonNa pull out of the male this now which Wanna I met. You hadn't oh she's eight on a Before kind of probably came out of on. I did a fall to shoot my friend Patrick and he did some amazing photos and that was one back. I'M GONNA show people these and I shall enlighten me mother-in-law and a few of the people before they knew the full extent and just kind of told them a wildlife that was helping open a friend out and he's gone up in business and I offered to them so we show them a local the picture and she was quite well. That's amazing she. Kits are innocent. They're the only know what the tall So she she got it great and then at the CIA maybe month and a half ago. Hello and that was it was. She was amazing shave just like I don't care like long as you'll happy that it doesn't matter to me like the fine kids the sponges everything and that's why it's important for Lgbtq I- education and early age because the not tall. What's right and wrong don't grow up knowing that the tall what's right and wrong going to show them. Nice okay to be south and an express yourself and I think it will go a long way absolutely but I always we say hammer phobia and Transphobia is definitely taught. Children are not born with those. The no child is born racist on discriminative homophobic. Kid Denison touted to go with your parents telling them that you will gender fluid no not really see my. That's quite difficult difficult. Because he he doesn't open up with the best times. Not even some Amami Squire It just keeps everything to himself. He's great he's I know he's he has no problems. I want not boy. I'm still yet to have that conversation with madut whereas like spoken to my brothers about spoke to my Mama Spokane's everybody about bought my daughter Ayla Boys choice not we we avoided. I think I think my dad needs to a place where he's okay to talk about quite cool about it on my mom's awesome. Yeah she's she's often often. I did say a fantastic quote on twitter recently. Actually yes that's one. I did come out to my mom. She was just like incredible and and then introduced it to Jessica and we would go out the coffees and do also since she's really supportive then we come to the subject of telling everybody else because he was quite. It's quite hard to suppress like Kuala follow us on social media. I don't hide it. Just don't particularly push it down everyone's throat as well So we at the shop. I'll tell in the rest of the foam is not yet a think he should go for it. 'cause it's easier you know. Rather Than Someone Slip Awesome on stumble across and they have have to find out through other means You know these there was no pressure with WHO said encouragements talent and she just set the those that must have won't care and those that cow won't Mozza. Yeah she's right real it was. It was good advice. None of them cat. She's a wise woman. Say why she's regarding that she is. She's going back to this Thursday that you went out in public. As Jesse her doubt panel her was what was that like walking. In broad daylight in your address it wasn't offensive just pornography is great fell myself. I felt liberated and free. Sorry for the first time. So there's be me and gave me the confidence then I knew I could just be me and not worry about what people think i. Obviously he's in the safe zone so he's in Canal Street where people accept everything. But I kind of I kind of feel like everybody gets an open call about what other people think about you but then when you kind of out there. Everyone's wrapped up in their own life. No one cares what I've been out so many signs on the day Jesse and no one's bite an islet and it's just people are busy with their own life. They don't really Kelly what you do me off and it was difficult. Was it just an adjustment to go shopping and those lady shops and just getting yourself if mentally prepared rail is again. It's still something. I'm learning and growing with ball. I'm getting more confident every day. So I feel like you've been on a real journey and you're still only absolutely I mean that was on the radio yourself with Jesse not long ago and that was new. Yeah now he's got I'm growing. Oh and another thing. I think there's a lot multiple help to give. I feel like maybe in the pause someone the sort of identified as you in terms of your straight to your wife. You've got kids you've got TA h offers a gas engineer. And then you trust that was the fable of the Times may may be called a transvestite. Yeah definitely I I kind of I get I get that as well. I just think it's really difficult because the the different pasta people taking it doesn't mean he's right or wrong So you know. I know people who are transgender female as such but they you just can't transitional they won't just because either fair or life circumstances persecution or exclusion from the family and it doesn't make them a suppose any more or less is transient someone. WHO's you know? Bonds were billionaire family. Got Everyone except in them they can pay for surgery in transition. And there's GonNa be. No you know no concerns in the world and I just think everybody's everybody's path to where they're going to be completely different so I have friends. For example you know from Scotland and Ireland and they both they identify is a cross dresser. They're like no. It's nothing to gender denser a don't feel like a woman on the inside. I just enjoy dressing up that and that kind of wood Seymour's a transvestite transvestite lows in for me. You know tied with the idea of transition of tied to the idea of hormones and blow in the two. I've gone down every avenue mind. Uh No it's more. I wouldn't describe myself as six gender if I make sense kind of feel. That's the difference if he had to take one of those boxes. Then when you filling confirm or wherever it is what what would you take our tickle. The are Amax if that comes out soon hopefully it will next pass put one day maybe for say the plot Um Yeah I think the great scale just male or female that's for sure is wide spectrum. We office somewhere said taste to you. Think where you feel quite masculine still blurred. Think yeah definitely I think I think it will always taught me a long time to realize that was okay. Okay didn't have to just fix it. You know people. I know have to do this because that's me all of the time wasn't for me. It's not so when I actually stumbled across. Ross the term non binary and gender fluid than An. I researched it. That's when it really resonated as well. Well well that's okay. That's different I don't have to make a choice this I'm either but this or that I can kind of just be million and experience as it comes when you finish your day work in like fixing boilers and stuff. You come home to like takeoff really close and justice of women or whatever. It doesn't matter. Just you know closer. Close it doesn't matter. Aw I enjoy him close because the comfort in my opinion yeah. It just doesn't matter it was just think J J just to keep growing keep learning and I kind of feel now of a bit of a platform to do some good wants to do some good and and I'm confident enough in my own south to now be open and tell people who I am and hopefully inspire a few of the people to come out and tell people who are they are without being terrified. What advice would you give to other people to really questioning the gender identity in feeling unsure? What you a few years? I would have my advice would just be you know. Keep exploring keeping you. Don't be ashamed. Don't hide from it kind of commodity self. Find out what you are you WANNA BE WANNA fit and then once. You've got everything that you need to know that you can stop gem though the people because the last thing you need to do is kind of gift people mixed signals as well squad difficult. I mean I have a lot of friends simulate. Do I need to do this. This and I just love you going off on a tangent. Just relax and we'll we'll cross bridges as long as you're not sending mixed signals from nothing. That's that's pretty cool. Well well thank you for bringing you thank you for being here for the rest of your journey Ya. Jj talking to me. Because I do feel that kind of at the beginning of the journey and it's only very recently that they've been identifying as gender fluid. Please do subscribe. Dr Welby again focused from would also love to hear from you on twitter. We can find us at come out stories. I'm Emma goal swell coming out stories in what goes on media production next time round on coming out stories. You hear from Matthew Shafer he's an actor dancer choreographer and author author he so out and proud is a book called dancing out of the closet. He wasn't always out and proud. In fact he was in the closet till his twenties. He had a girlfriend because he was worried about ruining his career. At that point it was so far lied so long. I'd be trade so many people by saying oh I'm not I'm not. Ah The at that point. I was like fuck if I come out now. All of those people will be right and I will look like an asshole.
"This is meet the writers Georgie Godwin, my guest today is opposed under novelist. He's the author of four novels in one dollars of poem, and without exception. Each word has been showed with praise he's been winning prizes since he was first published in two thousand and seven from the Sunday Times young writers ward for his debut the truth about these strange times to the cost of poetry prize for the broken word. He's been shortlisted for the Booker prize when the European Union prize for literature unborn aimed as one of grant as twenty best British novelists under forty. I didn't false. Welcome to meet. Thank you for. I mean, that's just a short section of some of the things that you've won or been shortlisted for and it seems extrordinary than that in your early life being novelist. Didn't really feature. You thought you wanted to be zoologist? Yes, that's true early on aged around ten or so I became very passionate bird watcher and very interested in natural history. And thought I would go on to study zoology so took the GC's reprieve for that. And during the middle of that period. When I was fifteen I had an English teacher suggested, I write a poem for an English class, and that somehow just tumbled the lock in my psyche kind of immediately, and I felt very strongly that was who I was and what I wanted to do. And so had a very definite. And very fortunate sense of vocation immediately fortunate is because it it made. My kind of identity very clear to me, and my life choices at least academically, very simple, just followed. The path allowed me to spend time with the literature. I loved which enable me to continue writing. I mean, your teachers recognized this to even suggested that you keep your anywhere because one day it would be in demand from academe IX. Yes, that's true. I mean, I'm profoundly grateful to the very good very attentive teachers that I had that age their interest in my work and their sense that it was worthwhile. Mirth pursuing really gave me a bedrock of confidence and sense of purpose enabled me to carry on through the linear that were inevitable and the rejections that are inevitable. I think ninety nine percent of writers received more rejections than they receive acceptances and that was true for me early on. And you have to be tough. And pig headed to keep going. So I'm having that those early messages of encouragement in my memory Bank in me to do that. What about your parents were they encouraging certainly, yes, I'm very lucky. I very nice and supportive parents. I'm one of four children have been very encouraging and supportive of all of us. Now various parts, you'll father started off as an accountant. But he later changes of rabbi. That's right. Yes. See took early retirement having gone. I think is far as he could in his accountancy career and worked as rabbi for a number of years where he left home by the time this happened. But it was a fascinating. I'm very satisfying to watch him go through that process. It was had a trained as an accountant her to vocational education and very successful career as an accountant, and it was wonderful to kind of piggyback on his studies and see what was that? He was learning and to watch the the expansion of his world at that time. Because of course, some of you earliest literary influences were Philip Roth. And so Bella. Yeah. That's true. So I guess what we're saying is I. I come for Jewish background northeast London. End of the central line suburban Jewish kid. I got very interested in poetry and then later on as I became interested in pros. There was a particular thing that happened when I read Saul bellow and Philip Roth and malamud and the other great American Jewish novelist, which was to find my world, very directly reported and recreated in their fiction, something which happens much less frequently it seems in their poetry is one of those moments that happens with lots of people in lots of different identities where you realize that you've been living in a marginal culture that your terms of reference are not shared by the majority population. When you feel an kind of intensity of reaction when you find your world reflected back at you. You went on to study creative writing the fabulous year. Invested East Anglia MA creative. Writing course under again, some very influential teaches like Craig Raine. Well, Craig right on she was to that. I had when I was doing my undergraduate degree. I was not at the college that he taught her, but I did take some classes with him. And I took a creative writing module that he gave really didn't count towards wants to grid. You. It was a thing that he did for one term each year, you could submit some poems or whatever kind of writing. And if he took you on then in a small circle of writers who would meet once a week? It was a very good course, actually, he would it was taught the Matic -ly. We it was a two hour session spent an hour and a half reading examples of things that he had brought together on that theme action writing whatever it might be. And then in the last half hour, we would quickly respond to each other's poems. That would submitted. For that week and been circulated beforehand, which is the right proportion at that stage of at she just absorbing and reading too critical personal response unto the to the because I mean that's world renowned for producing amazing amazing writers did you find that was your launch pad? It certainly helped. I mean, it was recommended to me to do by Craig on the basis that if you can get the money together for it. Then you've got a year to write and at the very least on that level. It's a good thing to do. I went through the poetry stream though, I was starting to write more prose and poetry that time. I had to fantastic tutors in Andrew motion, and Denise Riley, people whose work lives with me. And who I'm still occasionally in conversation with so fantastic in the workshop experience, certainly the profile of that. Course means that you can be assured that when you are sending your first writings out to prospective agents in that kind of flailing hopeful way, that you do y'all fairly sure that it will get red. And that's clearly an enormous advantage. That said I left you a not yet ready really to be taken on by an agent, and possibly tempting that too soon, and I had a slightly kind of bumpy time before I settled with my first agent, but because I had things to learn I had writing to develop and the main thing I had to learn is that in that first stage what you really need is a completed first novel because agents, generally, speaking interested in taking on someone who hasn't yet completed at least one novel is very hard and unlikely thing to do and the only way to prove that you can is to have done it. This was in the. Beyond the late nineties around kind of two thousand two thousand one when the had been a lot of these very kind of big splashy book deals for young writers who just submitted a couple of chapters, and so it was a time of big advances for the Safran, foes, there's eighty Smith's of this world, sadly dentist anymore. You working at that time in the completely unrelated to writing publishing, do you think that that's an advantage is helped sunny fed into my writing, and it helped that I helped me at least that I didn't stay in an academic environment. That I didn't go to do which was a kind of quite natural thought for me, it causes some anxiety later on in that period because I had only ever taken on jobs that were simply to pay the rent, and that allowed me all of my mental space for my writing, which I was doing in that time in my lunch breaks before work. I was using my holiday periods to writing as well. So is working in retail as work. I worked in a warehouse while and that's fine. And very interesting. And some of that experience goes very directly into my first novel, but passing through being thirty getting thirty one and having taken that course, and the possibility that the first novel won't happen. Get picked up you realize that you've taken a big risk. Yeah. So it got a little scary towards the end. But fortunately worked out. Well, it lets out supremely well because the truth about these strange times when the Bessie award at the Sunday Times young writer the year award. I mean, that's an incredible result for debut novel. Tell us a little bit about that book. So it's start with the characters as a central character who is called Howard his living in burn in the north of England of Scottish origin from Glasgow originally is the child of a mother who has recently died. He is working part time in a gym. As kind of menial person, Jim and he is a kind of diffuse personality unambitious one point. I describe in MOS not lazy just naturally at rest. So someone who is like picking up the sweaty tiles in the gym who's bumbling along on his own someone who from a lot of people a lot of the time would just been your peripheral vision, and certainly counts for nothing significant socially. And he threw a set of circumstances ends up in the company of a family with a son who takes part in memory competitions, and is a sort of hot housed child of very ambitious parents. So these two very highly contrasting situations, the kind of socially invisible unambitious person who is nonetheless, I hope very engaging and humanly valuable. All set against someone who is constantly having the value measured in kind of competitive meritocratic way, it ends up with them Howard, and the boy soul running away together and being fugitive for awhile, and it's a kind of comic novel in meant to be funny. A lot of the time those are the characters what I was had the as it's kind of philosophical center that I was kind of chewing away at was looking at this idea of contingent on non contingent human value to look at what makes a person valuable, and how a person might inhabit the world and experience both in terms of socially, visible kinds of success and bowl nebulous, but nevertheless, essential human qualities, and the book was as we say a huge success. Is that one of the reasons why you change? Give feel next work and went into poetry rather than stick with prose. No happened. Because well for number reasons, I was sending around the truth about these strange times to agents looking for it to find a home and in that period. I couldn't bring myself to begin another novel because I didn't know if this I would happen. So I didn't want to set off on something large scale and commit myself to another couple of years on something. So I wanted to write something smaller the subject matter of the Perm, which has to do with the memo uprising and the interment camp system in British Kenya. In the mid fifties was something that came into my life and struck me in the form of a review of two very significant works of history that were published around the same time about this story. One by a Harvard. Historian could Caroline elk. Cnn's her book Britain's gulag and one by British historian, code David Anderson was could histories of the hanged, and I was very struck by this material, partly because I had not really heard about it before which overseas to some extent is life. Oldest my ignorance, but also it felt like that silence. About very intense conflict that happened very much within living memory was something that was repressed in British cultural memory, and that intrigued me, and it charmed, I guess with my Jewish cultural background with having a strong imagination structuring education in holocaust history, and amongst other things therefore being aware of the processes of bringing people to Justice after the holocaust sometimes long time after the holocaust and being aware that this was something that hadn't happened around this conflict, which did involve large amount of extrajudicial. Killing and that there would be British people either in Kenya all been golf club balls in the home counties who had lived through this and participated in it, and that seemed to me outrageous. And compelling, and I wanted to break that silence. I wanted to join in with breaking that silence in the way that these works of history had done. It took the form of a poem in particular. Because I wanted to write it in a very hard stripped down classical way, I didn't want to editor realize about what was happening. I wrote it from the perspective of young boy British boy who's going through these experiences. And I wanted the reader to have his experience which was to be suddenly picked up by these events events accelerate and intensify and to be spat out at the end of it as that individual would have been having to make sense of it for himself seem to me, obviously true for a lot of these experience of his of historical crisis, particularly in the twentieth century, you know, the people millions of people were caught up in serious conflicts. Mad things happened. They come out the other side of them into a post-war piece of various times and often were not discussing those events of two. It's they lived with those memories they were sealed once again into a kind of normal peaceful civilian life and lived with those as just purely kind of internal realities and history again formed the backbone of unique all historical research, then formed the backbone of your next piece of work the quickening maze. Yes. The idea that material came to mind came to light for me as an undergraduate reading about Tennyson and about Claire I was very interested in clan. This is in the nineties. There was a big Claire revival going on there. Lots of interesting stuff being written about him. I had just missed Oxford shameless Heaney's Paradis, professor of poetry there. But his Oxford lectures had just been published including a very good one on John Clare. I did go to Tom Paul ins classes, he was a big John Clare, advocate and critic, so it's very interested in him. I read pita Levi's, I think it was Bogra fifth Tennyson and discover that Tennyson Claire had been in the same place at the same time. And that this place was very narrow at grownups. I suddenly these two very charismatic and interesting ghosts kind of materialized in my own back garden, and I thought I want to write about this in some way at some point. But I didn't want to do it until I thought I would be capable of doing it in a way that well that would satisfy me, and it also allowed me a little more of the temerity required to take on writing about and somewhat in the consciousness of these two extraordinary literally figures, so as I say it was over a period of years that I. Read absorbed material about the obviously with a very intense period. When I finally after the break word thought that this was the moment to write that book, and it was incredibly successful when the unquote reward the European Union prize for literature shortlisted for the man Booker prize in that, of course, was the Hillary Mantell one really really strong shortlist mental ultimately child thing and shortlisted also for the wolves to Scott price for historical fiction. There was then a big break why the Longa between that anew next book in the wolf's mouth? I think those first three books came out in successive years, which was very very unusual thing to have happened. That's partly because the broken word came first and feverishly was written quickly. And then because of the way that publishing delays work. I was able to pretty much finish the quickening maze. Before the broker mode was published or at least would have been writing it anyway over that period. So it's a combination of having got to the end of a large spell of very intense work and that spell at she having lasted years previous to that time all those years of working those jobs and using my lunch breaks holiday allowances to two right? So I heard then to deal with both are I guess an accumulated tiredness to some extent, but also the discombobulation of being published even just for the first time, and the fact that it happened as you say, I was very lucky with the recognition of various literary prizes so hunting this kind of accelerating and amplifying way over these three years that was something that I had to sort of simulate even I remember the first time, I met my first publisher. Was very confusing in some sense experience for me because it had been so long sort of brewing. And I went from a shift at the warehouse. I was working in to an office full of and met sort of half dozen people who read my book, I I'm never met a stranger who read anything I'd written. And it's a difficult transition is an it's a can be quite sort of frightening. I did have to learn. What it means to develop a public self or a profile that you realize early on and she detaches from you. And it's something that you might want to kind of manage from outside, or at least know, psychologically detach from you not to feel panic about the fate of your external self in the world. That makes and that much comes onto your latest book dream sequence which hazardous hard celebrity. It's about an actor youngish actor who through one very fortunate piece of casting has had a very successful time in a TV show that became incredibly popular, and that's gone on for a few years. It's been a bunch of seasons of that. And it's now just ended and he is very ambitious very anxious and looking to transition into big another kind of actor looking to achieve the sort of success that he thinks will allay these anxieties so we'll following him. We're also following someone who is following him from a distance who is a fan who has on one occasion met him. And when she did so has had a very intense caused a religious experience of of a profound metaphysical. Meeting in which it was revealed to her that they are twin souls, and that they ought to be together. And also that the universe is a magical place and that has its as it central law. Universal love it's a very sweet and mystical set of perceptions that she has and she knows that she has to find him again and engineers situation, which they can be together as this is what the universe clearly intens. I love this concern many levels. It's very much a London novel. Isn't it? It is. Yes. Which couple of my books have been in a way I mean, but this is a very contemporary novel. And it was a novel that emerged out of wanting to engage with the culture right now and the sense of image status, anxiety precarity. The intensity of our hypnosis of by various forms of media and by the textures of the contemporary cities. So yeah, I was excited to do those acts of describing take on London now and the whole examination of celebrity, and what that means an an how people can suffer from complete illusions about celebrities that they they really don't know. Yes. I think that's clearly true intensified now by our sense of connectedness that exceeds even that of the past where we would see people appear on television in magazines now, we have Twitter and Instagram, and even if people are not themselves using those social media platforms as Henry doesn't. He is one of those people who thinks that avoiding it will increase. Piece his cash. There are constant alerts and updates about those people. So it's Kristen has her Google alerts set up for him and has a sense of being electrically connected within also which is quite extraordinarily the way the world changes. When you got that to poetry are you apart? Would you say I mean, if you had to categorize what you were are you both I would say, so I'm enjoying working in different forms, which is something. I'm doing right now been working on a book of essays. I've been writing something that sort of aphoristic short thoughts and descriptions around a particular set of themes, and I'm starting in on a new novel, very to a short film for friend. So I like expanding into different ways of writing shapes of writing. I think the poetry is there in the pros at least I like pros. And prose writer so bellows mentioned dates Lawrence's and other who write a pros that is very linguistically live where the word choices are vivid on constantly interesting, and that has breath and has rhythm. So I like pros that has a lot of the qualities of good poetry. I would certainly like to write more purchase that would be published as the broken word was in the form of poetry book. I don't really write lyric poems. That's a matter of another subject matter, like the broken words, demanding that form it's telling every so often, I think about what that might be an I starts and things, but I keep the door. Open invitation open if something comes up, and in the interim we have back catalog that we can be reading and this wonderful new book, it's called dream sequence. It's published by Jonathan Cape at fellow. Thank you so much for coming onto meet the writers. Thank you. Keep listening to meet the writers thanks to the production team of judgment on and David Stevens and Christie Evans, you could download this show and previous episodes more website up from soundcloud, mix cloud or I chance on Judy Godwin funky. Thank you.
Black Country Disco, Part 2 (with Tom Aspaul)
"Hi i'm aj marks meghan suss. I think she's the impostor because i'm aj marks. I vented she's megan sola ginko and this is among i mean american idiots abroad so as we said before you're listening to american it's abroad on this podcast. We discover what makes us uniquely american by analyzing the differences and similarities between the us and a uk with a super cool guest each episode. So i moved from the us specifically the boston area to the uk specifically liverpool england. In two thousand sixteen. Meghan you did something similar to new. I did do something similar so hi. my name is megan. I'm a jam. And i too much information. I'm from san jose. California and i moved from the bay area to liverpool england about six ago and this year i relocated to manchester so this is part. Two of our black country disco episode. So you don't need to listen to part one to understand part too but if he liked part to you can always listen to part one for anyone who didn't listen to part one black country disco. Is the name of our guests debut album. Their new album just came out and in the first episode we covered black country and in the second episode we're covering the disco episodes all about the differences and similarities between the us and the uk in terms of music. Our guest has worked with everyone from luna george two grades to snake hips. Celeste and mek even kylie minogue covered one of his songs for her album. So we thought who would be a better authority than singer. Songwriter extraordinaire tom. Ask paul thome tom when you were growing up as a young brit. Did you find that there were like specific songs that went with your childhood or whatever that like you don't here in america or things like that because i find out to be one of the biggest differences is stall on. I think it depends what area you grew up. In because in certain periods the to music industries kind of came together and then. They drifted so like in the sixties. I'm not that old. When my mom was growing up there was the british invasion and overseen in america you had the beatles and the rolling stones dusty springfield and the charts. Were exactly the same and we have the supremes and jimi hendrix. I think he was very synchronized. And then i think he drifted apart in the seventy s a beer and then it came together in the eighties. And you know you. Guys have george michael and out john and queen and duran duran and all the eurythmics and all of that but then in the ninety s things drifted again except maybe the spice girls so we have lots of bands that you wouldn't know like steps. Oh my god yeah we do not know. They are coy connick. Okay so this is a trip advisor from. I called freddie texan. My wife and i visited liverpool for our thirtieth wedding anniversary from texas. Our evening was ruined when a man dressed in a baby called my wife and young slut because she'd never heard of the band steps so one star. I think that's what the point you're trying to make. Cats he does. I can just imagine this guy. A nappy young slots. What kind of music is steps. I actually don't know anything by steps. It's pop like it's the most like clean. There's no curse words it's all it's all very. It's like abba on speed albion speed. Oh god it was a mixed vocal group. It's still is there still releasing music and it's Two guys three girls. Most of them have incredible. Voices they are great singers a may they were called steps because initially all their songs had dance routine and it used to come in the cd. You'd have a little booklet. I would tell you how to dance. Retain i doubt def i hit was called five six seven eight and it was a country inspired song. It's very dumpty five. Six seven eight you by steps that so on the nose like line dancing and then they kind of evolve to do europap dancy kind of stuff. It's very european sounding. Yeah but they just did not translate to the usa burr. This is such an amazing fun. Fact steps supported britney spears on her american tour no way y. Yeah i think they tried to break america in america state unbroken. Yeah but anyway. So steps may be very typical british pop. But it's not pop. What is britpop brit. Pop is normally abound and normally inspired by music from the sixties and seventies for me. My way of explaining is everyone in the brit pop band. Their parents were into like throwing stones and the kinks and then they kind of regurgitated there and then also slightly influenced by like in the nineties. There was the rave scene dance. Music was quite big thing in the element as well but to me is the closest would be like old truck or indie rock in america. Maybe and it's always. It's always a band. it's always instrumentation. What bands would be examples of brett pop. So the big Away and blah those does your textbook brit pop and they were the most successful and they also were successful in the united states especially on college radio in the ninety s album. Sold align america's while so everyone of a certain age will notice on wonderwall in the united states. I'm sure yeah. It's weird because i'd never heard of oasis before moving here but i had heard wonderwall not like the recording but i had heard play it on their acoustic guitar beach. Trying to think of other great i think after blur oasis and radiohead swayed and placebo quite pumping gas but no actually placebo world to themselves. See we don't know. At least i don't know any of these bands already. I do now but so fascinating to me because it is such an established genre juno pole. Yes but i can't think of any of their songs. I only know these names now from living here for so long i would say that the uk hey is so group heavy especially the top groups but even like bands and stuff whereas the us much more like focused on solo careers and even like all the solo artists in the uk. All but like a lot of them just come from groups so you have like sheryl and robbie williams and george mayo and all the one direction members even like sia was popular here from zero seven. I mean the only one i can think of is like elton john. But you're right george. Michael was in Annie lennox's who's in your you're right. There's a lot of no one starts and the like i'm this person. Listen to my music. Either they come from groups or they come from reality tv if they don't they were in the school which was a school. Which is where. Amy winehouse went to school adele. Did i think jessie j yeah come. From daily is kind of related to the reality thing i think her first break was an x factor advert cash for x factor on to promote the new series. And it was a video of her when she was very young like fifteen sixteen and she was just singing in her garden and then all these people like their heads over the fence to see who singing. And it's because it's her and it's like have you got the x factor 'nother show in the advert not the show. And then i think she was signed possibly off the back of that. I'm not entirely sure. I could be wrong. But she is an anomaly though. These not because of the reality tv that she became assessments. Yeah took a long time as well for her to really get going to release so many songs before. New rules was a big hit which which is so weird to think about in the uk that sherry had like a handful of top ten hits in the uk before new rules and then yeah new rules head and then once new role was dying out in the uk and the rest of europe then it started to climb the charts in the us. But that happened with adele. I think that happened with me. Why not. I think he always happens with british artists crossing over. There's always like member. Natasha bedingfield yeah so as her brother. Daniel bed obviously daniel day. Nobody field another popular interest. Yeah you'll know one of his song to get through this. Oh that was a joke. I thought he was an actor. Way really got get through this this make gonna make you just. I love him. I love him. He does she know that song and then they kind of like it. Sounds like they're making it up on the spot because the titles innocent. I gotta get through. This i getting. That's like what they do on like even like haven't you heard our biggest single boys. Don't cry boys. Don't cry and the whole thing. I the reason i bought up. Natasha bedingfield is because there was like a nearly two years lay between her own written. And i think it was because it was the theme song for the hills. It was huge. When i was a middle school. Oh my god whereas here it was kind of a moderate hit. It was like you know must have over the states. Similar to leona lewis bleeding. Love was popular in america about a year. After was in the uk really. Yeah yeah yeah. Oh it's fascinating. Because when i was in high school i had a music blog and nice. I went to go right. Classic and i went to go interview. you may at six when they were doing i like. Us tour like the either the first or second and they were the opening act and it was in the mid sized venue tour of america. But when i was looking them up i knew nothing about them and then i just saw all these music videos and i was like oh shit these are like big budget and like all of these fans and stuff and i was so confused because it was my first real life experience of seeing a band being really big in their home country and trying to make it over in my country watching the process was really fascinating was the opposite for me so like i would go to the usa. And i would see a show where someone's being interviewed. And it's like a massive star in the u. k. I think he might have been cheryl cole. And she's like was at one point huge in the uk and her being interviewed in the usa about the new x factor and and treated as her debut. You know what i mean like. She's like fresh fresh phase and it's like guys now. She's been cheese been around. There's a sound here in europe. That just does not fly with americans for some reason. That goes both ways. Because my two favorite artists of all time jonah jackson on mariah carey and both of them are like in an america. Incredibly successful like mariah has duck twenty number one records She's the biggest selling female artists. An jonah has maybe ten or twelve number one records and all her albums you know. Have like six top five hits. She's just incredibly huge massive and then in the uk giants never had a number one single in the uk and Only had two. So it's like the difference is because they. I think john sound in particular was so american and very r&b also like chad that like minneapolis sound so specific to america and particularly black americans. You know that dot audience just isn't here in the uk which is interesting though because there was northern soul. Here yeah so. There was like a a movement basically for those who aren't aware when motown was really big it basically came over here and was a huge hit in the north of england and kind of movement called northern soul. That's i believe that's a pretty good summary. What happened was like very obscure records. We would import them over here and they were even records. That didn't do amazingly well in the usa. They would just saw because there was an explosion of music coming up detroit and all around there there was just all this great music coming from america and an actually all happened a little bit after so like i think people here rediscovered it and of the working class. People just became obsessed within this whole movement and my mom was actually a big fan of northern soul. And the like the epicenter of it was a town. Called wigan again shutout wagons. Wait in where she. Now people would take speed. They would stay up all night. And this is like the early seventies late sixties and they would just lose their minds to this music and it was a came from like black america. It's interesting to me how there'll be. You know the actually jan all of them how. There's like different levels of fame artists in different countries. But i feel like we're kind of entering a place now where that's starting to blend again. We're starting to kind of trade back and forth again you know you have dua lipa and you have lewis capaldi clean. Manda del ed sheeran's in the classic ones. Yeah the park going over. Even james blake carly ella mae. Yes she's more popular in the us because she does r&b. That's why it's so strange though because she's still pretty like quintessentially british. I'd say yeah. Maybe that's just me because i feel like a sound is yes. It's still. yeah definitely a british sound. Kind of like a mahalia. She's from birmingham. I love my haley. I shot my halio but it's interesting that the new british invasion is kind of happening. And that's because of spotify and streaming and the power of radio is weakening so people in charge of stations no longer dictate what people listen to people. Seek out music confined music themselves and it's so easy to click on a playlist. That's actually a list of hits our big in germany. But you'd listen to and you you'd know most of it and think there is. There is still a local music scene. Here like with grime with grimes massive in the uk. And yeah. I'm really glad that is because a needs to be something local that is popping off because it's like with the black country accent like when it goes it goes and that's it and it's everything if everything becomes homogenized is going to be very boring and let's take a short break. What do you think about that. Megan i love breaks good. It settled last episode. I got to play my favorite song off a black country. Disco so aj. Why don't you play your favorite song. Okay i will. I think traces was the first song i heard of the album. And that's kind of what got me into it but close to me. That's what really like poked me. You know that that was when i was like i need to pay attention to thomas ball. So let's play close to me by thomas ball me me me. I'm supposed to be supposed to be supposed to be born. Dan pohl when i was then rule to. That's all you need to know you've written with a lot of really like modern present still active artists and stuff. You know like many k and grades all these people that i'm like really big fans of and like because you've been so deeply involved i would love to ask you. What do you think is the like main difference. I suppose that you've noticed in sort of modern british versus american music. One that comes to mind is the way it's written. I think in the usa. When i've written in america in america feels like it's more of a conveyor belt and like more people will be involved and you'll probably do than one session day that does happen in the uk as well but for me. That feels a bit more like the pop. Music in america is more like a factory. You know people will just come in a hawk and then leave whereas are from. My experience in the uk is less like when you're writing four in american artist or four british arts. It's so different. But when you're writing with an american artist or with a british artists or mix. There's a different vibe there as well. Yeah i think that's just down to like cultural thing. I think americans tend to be more open about their innermost feelings emotions and that's so true. Soul place to their advantage in terms of songwriting. Because when you walk into a room having no manny one you're expected to write a song about off-break. Whoever as a british person off me personally is quite hard to open up straight away to someone. You don't know an americans. I would remember being in studio and being quite taken aback. How quickly people were willing to share like these really deep things about that boyfriend. That happened this morning. You know like girlfriend that things. I wouldn't share and you do wonder like to get back to their partner like are they not worry. That's so true yes in a way. I think that works to their advantage because the end of the day. You've got a limited amount of time when you're in these studio sessions and you've got to really do it while you're on your feet the amount of sessions that i've walked into where we just sit down and we just kind of go around in and not not intentionally do this but basically just be like all right. Let's just talk about all are like ailing. Let's talk about feelings that we're feeling right now. What's our yeah like. What just go around all circle of trauma and then see who has the most interesting thing to talk about right about that exactly. There aren't enough british singers that singing their original accent. It's true well. I'm aware of the and i think that i sing with a mid atlantic accent which is somewhere in the middle and then there are quite a few people who like lily. Allen will sing in a full british accent. I always think this the only people can think of like dizzy. Rascal lily allen. Stormzy adele sometime sounds quite british lady lesser with like the. She's from birmingham. Nine hundred seventy five at sheeran. Sometime sense quite british. I think for me. it's just wanted to. Words remain british. I wouldn't ever seeing. Can't i'd always say conned in a song like betty who kind of thing where it only comes out some words it comes out and so i'm words if you took any american and ask them to speak out the way they sang they wouldn't sign american who says. Is instead of us. You know what i mean like. Yeah no one does. But it's become such an inflected word because of like selena gomez no. I totally agree. Yeah housi- like she does not like indie singing thing. Yeah yeah and everyone and i. It was so funny. I was listening to music florida this morning and i think music kind of everything folds into a category of like with british. It's like everyone puts on a voice really in and sometimes they try really hard to sound british jarring. Sometimes they try really hard to sound american. And i think that's equally as jarring and then you get people who just try and have a really individual boys and nuts when i think is a sweet spot it sometimes. It really works like early. Golding has quite unusual voice. I dunno i'd never have like a hard are like if i was singing. I really don't think. I don't know maybe i do. I didn't. I don't think many americans do that and singing. Oh this is like a random person to pick on but nicole show in your house quite british accent. When she says she's been here for somebody. Yeah but there's a song called. I hate this part and she sounds like she's from boston in that one. Because it's like. I hate this part right here. She's got like it is. It is kind of weird and so from the start. It's like she she doesn't do start. And so i think americans as guilty as being accent. There's well that wraps up this episode. So thank you so much for being on the podcastone. Thank you so much for having me. Where can people lurk you and find you online if you so wished to follow me. It's at tom. Underscore as paul and that is the same for instagram and twitter and then my website is tomas bowl dot co dot uk and my merge stories on there. If you want some much dies because they've got a really cool baby pink but country disco holiday and then spotify is again is just my name. So ha where can people lurk io and maybe slide into your dms and tell you really nice things things. As much as i would love that. I just i'm going to ask people to just not just don't follow me. Okay don't follow me at. Aj marks official on instagram twitter. Facebook any of those. Just avoid it at all costs. Okay that was marks official. Yes the official. Do not follow me. Please a meghan. what about yourself. How can people follow you. Ooh i guess to timing or she does it and pretend i asked myself goes in her voice and she goes so-so megan that was trying to boston. I'm not gonna try so anyway. Meghan what's your. What are your social. Sorry but anyway so yes. You can find me on instagram facebook twitter at. Im sola music. And i have a new song that just come out. And it's called highs and lows. You can find that anywhere that you listen to music so that spotify apple music deesor. Sorry i on us but also go stream black country disco stu it sorry screen country album. Thanks you guys. It's been an absolute pleasure so we're going to go out on another one of your song. Yes what is this one called. This is two and this one's about what effect this is the area code for wolverhampton which is an iconic anagram of nine. Oh two one into its grew as from is going to be as i produced it in my bedroom. Really i'll say can love it. So this is oh one nine by tom. Paul whoa book. You think when you go home and do people like take the piss off. Yeah sometimes you change you chain making.
The Paul Finebaum Show Hour 4: Callers From All Fanbases
"Crude oil is crude natural gas is pure. That's why Pennzoil's based. Oil is made from natural gas not crowed gives you unbeatable engine protection. The proof is in the pennzoil based on sequence for aware test using SA Five W. Thirty. Cried Passion Than Patron Tree of college football leaves here the the Paul Finebaum show our four podcast. Program has arrived and we appreciate you being here. It's been a busy one with Mario Christopher. Our about some calls now robber is in Kentucky Hey Robert you're next good afternoon Paul. How are you? We are doing well, thank you. All Right Great Paul he follow top the every year for the past few years ago four years ago hey. My question is Paul Nail that Kentucky space in the real the SEC. are we really going to see mark stoops worth and while would you have tall on the fourth tonight college the second half of the game when Mark Stoops decided to go for it on fourth night when he wouldn't go for it on fourth one versus the first half And I just wanted to your pick is on that Paul and and and. I mean, he'll. We'd be better off with with. This point. I'm still, rolling the. Bandwagon. I'm pretty bothered by. What I've seen so far I mean I just thought that was an inexplicable. Awesome. No offense to lane. Kiffin I think he's a really good coach. And he got his team. Here. But I mean nobody has gotten more and more praise than mark stoops from this seat and. I I'm I'm struggling right now to to find much good to say. Yes sir. Thank you. Thank you. I. Appreciate you coming out with that. You know I've been calling for years following and yellow. We've all had optimism for years but when when they come to play you either come play or not. You're right. You're listening to those who didn't see it i. mean it was kind of a bizarre way to lose a game with a missed extra point and then losing it overtime. But there are a lot of really bad calls and overall. I felt like it looks like stoops. Heard reaction to it but it looks like he really lost his composure at the end of the game chasing down that official. I. Don't know exactly what what the film show, but I didn't like the look of it. Tom Is next in Ohio Hello Tom. Paul Fun Ball. Ball second only to college football itself. Thank you so much. Paul if you would please, can you give me a favorite throat that university South Carolina football schedule again so I wanna see something on there we we will. We will. DIG It up here in a second and punch the button once it comes up I will. I'll read it out because you may be watching it a little. In the actually okay well. My. My thing is Paul I on that schedule. I see free winds possibly three wins. That's all I. See. You know I was on the wheel must champ that nine wagon when he first came over and I you know endured the years that we've been dirt Hey I. Apologize I was trying to call the schedule up and I think I accidentally. Hung, up on you that was my fault and not, and she wanted to call back Here's the schedule though. Vanderbilt. This way Auburn lsu Texas Ole Miss. Missouri Georgia and Kentucky but I do apologize for inadvertently hanging up on you. We were trying to call the schedule. It shows you how absolutely. Technically. On savvy I am Hey, thanks. Appreciate it. Let's check in with mad dog and making you're on the air go right ahead. Happy Monday Paul Finebaum Tae. They're great to hear from you. Great to hear from yearly and we talked with you. Now you might expect to be loading over my ear early accurate prediction of the outcome of the Georgia. Game but I'm not going to do is ask absolutely not. There's no need today grateful doll. I'm thankful to be alive and well in the best country on earth grateful that we're even having a football season. I made a few months ago. It didn't look like that was going to happen. No three months ago I would say we probably weren't in good shape. Now. Terrible shape. This past weekend break my brother for generously giving me two free tickets to the game data. How was it? It was great. I. Even got to hang out with Lawrence Smith before the game and reminisce about totaling his son's car back in nineteen ninety-three. Lawrence myth is one of the coolest God's a chance to meet him a number times and. He came down to our office a couple years ago and interviewed me for something he was working on and Ju. This guy's is connected as anyone I've ever met in my life. Total. CLAPBACK act he is why why did you know who? WHO TOTALS HIS SON'S CAR? I live with run out and asking Colorado and his son blew me out to drive car back when we were coming back to Kansas in a snowstorm and I went into guardrail. and. it total did and all he did was laugh about it because he got a new car out of it the. A people don't appreciate what a treasure Larne is. Absolute I'll just felt so lucky to run into it and I just felt so grateful that I got to take oldest son to. The? Doctor overnight game between the hedges in a very sad. Woes, experienced light. I tell you it was surreal because you know it was easy to park there wasn't any tailgating. a twenty thousand people in there that sounded like eighty thousand getting on the media for not wearing masks but everybody was wearing masks on the way in places that they needed to wear them. But I mean when you're sitting in your seat with nobody around you for twenty at least. Outside why would you wear a man? That's just my opinion. Yeah I. I agree with you I wear one when I'm around people. If I'm walking down the street I'm not wearing a mask so. Some people do but I mean the only place I thought it looked dicey was the student section saw one shot on television where it looked like everybody was. Literally on top of each other, and then I saw another one that. showed some rose between them but again, it's just you can take out anything you want it doesn't matter get the dogs had a great win and. The next few weeks should be. Insane you very much for the call. Really appreciate it. Patrick is in Arkansas you're on the air hey. Patrick. Hey Paul I think the gentleman from Tennessee for taking my call they're. Wondering do they? Take smokey down between the hedges there. I've seen smokey ANATHEMAS before yeah I don't know if he. Will. Not. Be Making this trip I don't think. He won't be I don't think so. My bring a little good luck to them. We always fillets smokey and a getting together there. I remember a couple years ago We did an interview with both smokey and dog and I think I scared smokey. Reminded US just how great it is be alive. Love. The puppy dog they do. No, I'm I'm with you on that. I mean do we know? Lights Larry she'll be showdown Saturday I. have not heard I know his record I think is twenty five during a game but that may be. But now that he's a recovering from whatever recovering from I think he had a pacemaker put in he he might be going a little bit lighter. You kind of get known him about data. Well, I tell you what bothered me and I don't want to be a cardiologists or anything else but. I. Heard. I heard somebody having trouble breathing the other night that concern me if somebody who's lived around heart disease in my life fortunately, I don't have it but my dad did and He I I'm not recommending twenty five lights for somebody who's having trouble breathing. Some old tape is white and four months ago. May. Have Been Dennis Miller show anyway in Richardson was on there. And apparently an had A. Whatnot name governor because she was the one who Who Made Fun of George George. Bush senior. Silver Yeah exactly. Yeah. But anyway was talk about how difficult it was for her to stop during. And she went to a doctor in the middle of that she might have a problem. And their doctors say, well, how much are you drinking? And said, well, hell I might be having five. It's. Not. said. Don't worry about that I drink that much. Things they did they do they do things a little differently in Texas. Arrays. BEAR TOUGH THERE In Auburn on Saturday. There's going to be pretty disgruntle to put it politely. But. I think maybe we get to one zero number so. Anyway, speech. Dan. Patrick Arkansas doesn't win another game this year I don't care. They've already done what they needed to do, and that's show the world that. They are working their way back. Right on right on I don't. Thank you yeah. That was cool. We are taking phone calls what what what, what would you expect us to be do how about Mike in Florida next good afternoon. Good afternoon Paul, how are You I? Am doing great. Thank you. Thank you for taking my call. I call for time caller wins. Wonderful. Hey Listen Man I'm a college football fan. Major Auburn Fan. And I'm just kinda disappointed by over tigers this weekend I really am. Well, you should be because. I don't mind I don't know I had a prominent auburn person telling me many years ago. You know we don't expect to win every single game. But if we lose, WE WANNA lose with respect and class and look like we knew what we were doing and Saturday Auburn did not have didn't look like they had a clue. Hike the handle losing. As just losing that way. Yeah. And I agree and this Georgia rivalry is is really getting the better of Gus Malzahn and I don't need to tell you. But for those who don't know that, I, mean people people at out people think Auburn is obsessed with Alabama. They're not Georgia is is on the same plane that's a big game. It's not only Georgia. It's Lsu. It's other teams as well. You know that Auburn is not doing well against you're right under any and you have to go back to the national championship game a couple of years ago Auburn's should have warned that gain. Oh, they had the game what it was. There were two or three mistakes made in that game that there was one play that cat game from being a blowout and it was actually a good call by Jimbo Fisher but but even then. There was there was no excuse for losing that game. Thanks for taking my call man. Thank you, Michael. Appreciate the call we have a lot more time to go about forty five minutes. If you want to get in, it's eight, five, five, two, four, two, seven, two, eight, five, the week has begun conversation if you are just onboard primarily Georgia. Auburn losing. Arkansas winning we haven't really talked much about Ole. Miss yet or a little bit about Kentucky. We had Mario Cristobal Organ Cochon and we will get your calls right after this. You're listening to the Paul Finebaum show podcast. Hello everybody you're looking live at fans Ville a college football utopia. With the rivers flow with ice cold Dr Pepper. Where every day is Saturday and everyone's fan even babies. And the seasons never change because the only season this college football season get a taste of fans fill this fall during a college football game near you Dr Pepper the official Drake of Fans Ville, grab some today. When deciding how and when to safely return to the workplace you need to be informed. That's why IBM Watson helps. You prioritize employee safety with Watson works a set of a infused capabilities. Let's put smart to work visit IBM DOT COM Slash Watson works to learn more. We welcome you back and it is great to I. Think we were talking to this Guy Tom and I in my efforts to be the call I inadvertently knocked him off the your Tom Sorry about that welcome back. Hey listen if getting accidentally hung up on his is hard. Then you know I'll take that over I had chemo again today Paul but. If, getting hung up on his hard I I'll take that all day long of this. Chemo. I'm thinking about you because I wanted to say I had close friends to go through that and you're a brave mandy hung up after a day chemo. And a day of misery of the gamecocks getting. Maybe if I wasn't so sensitive to your situation, probably crack a joke they're sitting with the I might but. I could take it. But my point earlier wise you know on that schedule I see US getting three wins. I was at first game by the way at ten when we played Tennessee that was a hard loss as well. But I seems getting three wins possibly on that schedule and you know I I was the one that. We'll chance not the guy and I said he he'll get it turned around I'm slowly. I'm there now I'm at that point that clock management. Vanderbilt, being one of your wins I presume would would what are the other two Missouri at Home you got Auburn? Lsu Am Ole. Miss Missouri, Georgia, and Kentucky. I see. Missouri at home on and I see and when I say I'm saying that gingerly I see at Kentucky I think those are our best three went because I don't see us beaten Ole miss at old Miss I really don't see and, of course, Texas am on our aside since they joined the conference. So. Here's what I'm wondering about with everyone especially, the the bad to terrible teams what are they going to be like down that Kentucky Game Kentucky in in South Carolina could be in the same spot with zero to play for. So those are those are difficult games to predict, but but against a decent or good team. I don't see. South Carolina. Being able to do it. Now I don't either I'm a realist I I see that full in cold heartedly agree with you about the Kentucky Game I really believe that that's going to be our bowl game. You know just to see which one of us is going to get the win at the end of that game. So Hey, Paul, I'm telling you right now I'm willing to put a fifty thousand dollars to help towards the cost to get will muschamp champ out there I wish we would have gotten Tom Herman back when that was I going on but not saying that Tom Herman is going to be right flight but I think. The problem with much champ is to me. The standards are not high enough. I know he made a lot of changes this year, but it just always seems to be the same and. From someone I've known will muschamp a long time and and I will not tell you what a lot of sports cash do we like will that doesn't matter anymore. He's in his fifth year he he may be the nicest guy in the world and he's a funny affable guy. But if you can't win, you shouldn't be the coach. And I agree and and that's why I've always said. I love belts coach. Don't get me wrong. Nice guy that how he's still at that program just blows. My mind. Well, I mean some of the media falls in love with people. and I'm no different and you know they embrace him. They embellish things in terms of well. I don't mean embellish. Important things I'm just talking about cover for coaches they like. And some school and I think Ray Tanner got himself in the situation where you know why? Why will mush has a buyout that was twenty million dollars in seventeen now I have no earthly idea you I've been involved in enough negotiations where. If, the company doesn't think you have a chance to go anywhere else. They're not GONNA pay you. Should be the same way with a college football coach where was will muschamp going. Yeah I agree with you one hundred percent I. Mean we're not talking about Nick Sabin who should have a thirty million dollar buyout. I mean probably. Saving does not have a buyout. Yeah, he's got a buy in the rest as long as. Much champ. Remember in. Florida. He lost his job there. He was at Auburn, will champ was hired Auburn as a defensive coordinator. Yeah. So why? Would you put it his contract anything remotely exorbitant in terms of having to pay him if if left. And the only way that I would have done it if I was eighty as if he had a ten eleven season, a couple of times. The only way that's what the interest. In negotiation. You don't WanNa, lose the coach and if. That's understandable. But yeah, this is this is really too much. Yeah. It is as a fan as a as a passionate fan that draws from Ohio down to South Carolina every home football game I can tell you it's the right back a lot of times. It's a lot harder than what the ride going down is for. Sure. But one last thing Paul that I want to ask you and I'll hang up and listen what are your thoughts on this Georgia Tennessee game because I think I think Tennessee is going to give them a little bit of better fight than Georgia. Thanks for going to give them. Fall. For taking my call time, you take yourself and please stay in touch. Really do appreciate it I I agree with you on that totally agree John is up next in Georgia John go right ahead you're on the air. Yes, sir. I'm just wondering what you think. I just heard the last caller say something about the Voss my let the Dallas have moved the game they won't but I would think the dollar's GONNA row not looking forward to the week after yeah. It's a really weird spot because. It's coming after an emotional win. It's before the biggest game of the year but having said all it's also against a pretty big rival. This isn't against. An you know for those who haven't. Seen Georgia's schedule I mean this this is. This is an incredibly difficult. Space here but in a compressed season, I don't know if it's it's quite as big a deal because we're only three weeks in like these guys are. Eight weeks in when they're kind of limping toward that by week. The after. Tennessee Alabama. At. Kentucky Kentucky might be the strange game here because. That would be the fourth game of a brutal stretch and then the by. Before the by week but I I don't think Tennessee I don't think Georgia's looking ahead here I. Think this is a big game to them. How do too when also who you're picking the eight? It was Georgia. Thank you. Appreciate. Or Som- collar love show. I hope you will thank you and it wasn't by much either That was a really hard decision not that. We're talking about taking two football teams versus commented ago who's GOING THROUGH CHEMO Close Call Anyway. We are heading to a break trying to find show we appreciate all your calls especially, my friends in Arkansas. We will be back with much more right after this. Listening to Paul Finebaum show podcast. Grab all of you here on a Monday afternoon. Todd is up next. Hey Paul first time caller. Good to hear from you Paul Person I want to let you know I lost my father last Saturday and I was very remiscent this weekend not being able to talk to him about another tragic Kentucky loss this Saturday evening made me think of them a lot I'll tell you what time first of all I'm so sorry to hear that that is I know these are life altering events but just the idea that. I I'm assuming you guys were pretty. Pretty. Regular. Compatriots of Kentucky Sports Right. Oh absolutely. I grew up playing sports my father played it a lot higher level than me. He actually played the ball for Western under the old coach. Red Towel. Way Back in the day yes? Sir. Well I. I. Am How old was your was Your Dad Todd Well it was seventy, eight Paul and he was a basketball player. I was a a WanNa, be football player but but couldn't play at the high level that that he was able to play. Well I am so sorry to hear that and I know With the basketball season coming up, it will be certainly, much tougher much, very difficult. But we appreciate you sharing that information with us and all the best to you. As you and your family deal with that, what what do you think he would have said after Saturday. You know I'm not sure I'd like to know what? I'm big coke stoops. I number one what I mean uh, assume one day we'll have to name the stadium after him if he keeps doing what he's done but are continuously Kentucky either worst in a an IT I don't WanNa say it falls back on coaching but if I see a team that's Weird. He. Even. More last weekend solve or and I see a very skeptical call to throw the ball on the end zone and then supposedly receiver doesn't was route results in a pick six, and then this week I see the celebrating early that turns into a fumble. I don't know. It worries me about my cats. Yeah. I think mark stoops is fundamentally a really good football coach. But you know games like Saturday are hard to explain. It's almost as if. Todd you. Just you could. You just talk about okay. Let's let's sit around and come up with the weirdest ways. Kentucky can lose his football game and I wonder. I. Frankly don't think the game should have been close. To me on about where the bigger stronger, ten bigger stronger lines so. I don't know. I don't want to say the curse of can. But I have heard other people say. Yeah I mean I really don't know how to explain it. The problem was a loss like that. You've got to make up for it somewhere. You literally I mean the Auburn game was tough but. You're supposed to lose that game but you. This was this was an automatic win on the schedule and you now because because of the schedule is so difficult you have to steal one back. Well I appreciate eighty juicing that Georgia. You didn't use the word track game but but I'll say trap game you know Georgia could be called in between. I agree lucky against that quality. while. A couple of games like that on the schedule, but if I had to pick four or five games at. That, I'm sure Kirby smart is going man I thought that that is a game I really don't WanNa play because. It is it is such a gauntlet and win or lose against Alabama that is still a challenging game and. Either way it really doesn't matter it. It's hard to recover from from a four-game God like Ab, I, tell you what todd thank you very much. So sorry to hear about your dad and. Please stay in touch. Thank you Paul. Thank you very much That's. Think about. I mean there's no good time to lose apparent but. Especially now AL is up next hey al. go right ahead you're on the air. So. Much Fun. Mom How you doing buddy I'm doing well, thank you. All you. A my baby was a veteran of World War Two. Part receive save yet. he loved Auburn and football it didn't get a chance. To go to school but if he was live now he farmed until he was. ninety, five years old but. This is you know when miles on and And Chris Morris Them guys. They are because in high school football somewhere. I mean, you know I mean let's get real by you know they. They run play that we ran when I was in high school and you know They can Like inside Turkey college coaches and stuff but they're not and you know. Guest either one of them I'm sure they good high school coaches but. it's tolerance level four out right now You know it's a disgrace to to go and Tim Turkey and then come back and play Georgia and I, know coverage marks doors. But You know We all done a lot better daughter than damn with it. you know all we're all and I won't get your your your viewpoint. Yeah to me it was a really tough loss and. Got Me. The most just didn't they just didn't seem prepared they didn't seem like. They had a good plan and that's the most disturbing part of it. Hey, thank you very much for the call. Really appreciate it and thank you for your service. To this country, my my dad was a world war veteran to. Purple Heart is an incredible. ACHIEVEMENT OF BRAVERY For listening to Paul Finebaum Show podcast the Paul Finebaum show airs weekdays on the SEC network beginning at three eastern.
The Paul Finebaum Show Hour 4: Jeff from Columbus Stirs The Pot
"Just because he can't be in the stadium, doesn't mean you can't bring that classic ballpark feeling home with Ballpark. Bonds and Rolls America's favorite ballpark. Buns and rolls are always freshly baked, always soft and delicious and never fall apart find them wherever you buy groceries. Pride Passion Than Pattern Three of college football leaves here. The Paul Finebaum show our four podcast. We welcome you back. Final hour has arrived and we were really happy that you have decided to join us. It's been a busy day I. Know You some of you may have been with us all all the way but others dropbox. So there has been some news that is important especially with Georgia hosting Auburn this week. Kirby. Smart talking earlier about the quarterback situation. Jt will be cleared. But I don't know how much that changes the picture in terms of reps and development. We'll be looking at everybody across the board JT's got to be able to show us that he can function. Efficiently and into with with his knee being able to do it. We always thought he would be cleared by this time anyway but those guys will all competing wills Carson will to continue to grow with the quarterback position. Meanwhile the story of the day in College football has been Mike Leach pretty much everybody talking about him and he was doing from talking as well. Thank. You know the threat of football being taken away. Might Really Kinda unified the focus and effort once they got it back to. Really play together because I. I you know and it certainly hasn't been perfect and I haven't loved everything I've seen and yes, I've yelled and and at people do up downs I've also gone back to my office and. Wondered if I could actually coach another first down but we really have. I. Felt like of played heart and I think that I wonder if the threat of having being taken away wasn't part of that I don't know. And it has been a strange year but. We really have kind of been set to work. For. The most part and compared to other teams have had to. And let's get back to the calls and check in with Jonathan who's in Virginia Johnson. Apollo we're doing great. Thank you for calling. It, Sir I love your show like say that. God bless you. was just wondering Wanting to talk about doing see what you thought about them but. I think if Gordon Tana worst-ever. Together. Tennessee could be a big threat offense. What do you think? Yeah I think guarantee. Has. Capable capable and I think he's been very hot and cold but. I thought he did enough on Saturday to. Get to get the the VOL's over the top I think Tennessee's got a chance this year that critical win when you win that first game can often set you up and Missouri is I think the right opponents this week before they have to deal with George, thank you for the call how about Ben in South Carolina Hey and welcome to the program. Paul we are doing great. Things for you in reference to the caller earlier about the kneeling during the game. That was something that the coaches and players of both teams agreed to do before the game they said, they wanted to show unity and support to all race crap that's going on. So they did that before the game and the second thing. step out at an SEC for second. Wondering how you think what you think about the? Hurricanes place so far and how do you think upcoming game with clumps and was GONNA go. You know it's interesting. Thank you for the call I think Miami has been one of the teams in the country. and. I think. That's a big ACC game as we've had in a long time because front quite frankly we haven't had many big ACC games. I know the Notre Dame Clemson game in November. Has Been hyped but this game which will be what a week yeah. Week from Saturday night is going to be mammoth and I'm pretty pretty fired up about it. Hey, thank you very much for the call. Again, we're taking phone calls for the rest of the way at eight, five, five, two, four, two, seven, two, eight, five, we hope you'll give us a ring and Tom is up next in Ohio Hello Tom. Paul Pleasure. Thank you make with you. Thank God for College Football. You know the SEC but being back this weekend right? One talk people named Cox I got one comment for Jeff here in Columbus. Yes Just, for the record, we had a bunch of cut just come from the SEC. Come up to the big ten show guys how to play football and then also the urban Meyer situation by him letting Joe Borough get away from him. I mean that's his that's on the big ten in his faults so Far As lighten it up. You know from the big ten come down to the SEC now don't think. So anyway, getting back to my gamecocks. Colony I wanted to ask you what you thought about calling hills performance as far as him being sixty four percent on completion Out through Guarantee No two, hundred, ninety yards to two, hundred, fifty, nine yards. the biggest difference in that football game. Paul everybody knows is going to be that interception that was just a bad luck. Going off Shy Smith and and Tennessee picking it off, and then of course, the last you know kick at the end of the game, they're getting off that player I th I was excited to see what Collins would have done with that football. If given that opportunity with a minute and thirty four seconds left on the clock I think he would've drove us right down the field and I. I believe in my heart, we would have scored one that football game what are your thoughts fall? So yeah, I tend to agree with you on that. Hey, appreciate the call very, very much about mark in Florida mark. Thanks for the call. Welcome to our show. Right Paul. Concerned a little bit about the defensive, the gators but not nearly so much. As some people seem to think I. Mean. If you consider what was going on the second and third quarters I've I think they had four drives in a row where we score touchdowns and it was forty one to fourteen. At that point. And Really I. You know. All all hats off to. Ole Miss I. Mean they did a nice job while offensively but they did drop some in there. You know that looked like. Sandlot. completions our you know our secondary course, an APP without there. I just think that you know we will. Improve the mentally you know with timing and I really do think defense is. got to come around and needs a little time. People generally say the had you know. Takes more time snap but defense also Israel. Needed this. Space and distance and times. I. Just I'm optimistic mark. Thank you and you should in. Fact we have football seasons pretty cool Milos of next. Finebaum our you. I am well, thank you. Well you need to know this prior to coming on the air to talk to you. I. Did take a knee but now I'm standing up. I'm going to ask you about the Auburn Georgia game in a minute, but first I want to go on the record as saying this. Kirby smart. Is dumber than a box. Iraq's. He's done less with more than any team. In recent SSD see history regarding the game Paul. Georgia You know to my my tolls kids went to Georgia to offer who do you like and why and then I got one of the things. I do not make calls on Monday I don't mean to be sn snarky but I, I, like to wait till the end of the weeks the week goes. So there you have it. The betting line goes. Yeah Go. Well, here's the other thing I wanted to share with you and you probably already you know about this but I was online this morning and I saw the announcement by the national parks they're building a second Mount Rushmore in Memphis. And it's going to be the Mount Rushmore for sports talk. Radio. And and you're GONNA be on it Paul Congratulate Heard. My opinion. Three of your greatest callers ever sold for Moga. Screaming Tammy and my personal favorite dawn from downtown. Done may have been the first famous finebaum caller he. Should play some of his old calls I mean it was so funny 'cause you tear shreds and he would just keep talking. There's nobody. I've ever to told you I had lunch with him one day. Oh Gosh and it was. It did not turn out well. I think I think. Bob, locking me well with we went to the old. Milos -ironically. No. Not. Milo's Ali's we went to Ali's. And right in the middle delight sheets, he started like trying to hit up for money like you own me money and I said, I really don't take your money and. I thought we were going to go at it right there between. I'm not running for the bathroom too high. Thank you. I've also been to his house the newspaper many years ago. But anyway I don't know I, hope gone still around he was a famous scholar probably the first famous color. But that was a couple of years ago. We will take a Bright Boorda. com, we appreciate you being with us on this Monday afternoon and we are back after this. Listening to the Paul Finebaum show podcast. Just. Because you can't be in the stadium doesn't mean you can't bring that classic ballpark feeling home with Ballpark both roles America's favorite ballpark buns and rolls are always freshly baked, often delicious and never fall apart with Ballpark, buns and rolls. You can enjoy the carefree taste of summer anytime of year. So next time you're picking up essentials for grilling tailgating or a cozy night in at your favorite ballpark buns and rolls to the card and make it an occasion to celebrate find them wherever you buy groceries. Hello everybody you're looking live at Fans Ville, a college football utopia. With a rivers flow with ice cold Dr. pepper? Where every day is Saturday and everyone's a fan even babies. And the seasons never change because the only season is college football season get a taste of fans villa's fall during a college football game near you Dr Peppers the official drink of Fans Ville grab some today. Welcome back on busy and quite different Monday night, and some of the shows we've had lately, it's feels like football season and great to have Vance of next a hell of a good afternoon. Hey Paul. Real. Quick say I just really really enjoyed here from Larry even though for some reason, it kind of sounded like before he ever got ill yeah I I don't want to. Pretend that I know anything about Larry illness, but he sounded like he was. Off The ekg and right back to the fridge. Sounded like Larry. another quick question do you think if Alabama wins the national championship? This year will ever hear from Jerome. The you not predict your call immediately. Yeah. It's almost like Alabama is the defending national champion now that Lsu has lost when you say. Well that brings up my point. You know I'm always bad to do this and I know guess number one, I think that's a great caller I mean I think he's one of the fast. But you know there's one thing. I would remind Jeff nobody in his conference at scored point yet. So. The other thing is I know he's got a computer look up the the accomplishment of in National, championships of the ACC. We're going to leave the SEC out of that because you'd have to have a Chinese advocacy to pat but The PAC twelve. And even even. Since. Nineteen sixty eight. Oklahoma and Nebraska, etc etc. But my point did jeff as you know, there's always another side of the coin. If. If they are so smart up there but we needed. Jeff Burrow down here to provide a national championship for us. Well, if they're so brilliant up there, what did they get rid of him and maybe data played him properly guess what they might have won a national championship last year. Yeah. No I think you're right I feel badly for Jaffa because. He has really nothing to do other than try to come up come up with outrageous sec takes, and it looks like he succeeded in that regard today well, not now his takes. which he's very clever he. A Jim Rome clone, right? No doubt about that. Correct about that. I mean good God Almighty he he is quintessential clone. But He doesn't think about the other side. Such greatness at Ohio state aren't they keep this guy out and let him win a national championship of that lets you that doll. And, and they had to go scrounging around to pick up a Georgia player to try to reestablish themselves. I, wonder I wonder. It's great. I mean he's a good player. I wonder what he was right now. But anyway, that means life is life he went to a great program but I would like to ask coach today who I think's a wonderful coach. I I wonder I would say it goes. Who would you rather have quarterback last year Jeff Borough or MR fields I got a feeling and in a closet he's got. I. Wish I had that Damn thorough. I bet you, right hey, thank you. Jeff I like Jeff, but you know he's a little bit shortsighted. And He's funny. But you know. Sometimes close gotta get clone. You know what I mean. Rackham. BILL IS UP NEXT HEY bill. Thank you for the call. Appreciate it. Paul thanks let me on I Yeah. I. Got a follow up with his jeff thing I mean what enough of it? Did. He realized that the quarterback that they have playing for him now is from the SEC I just don't I don't think he really wants to acknowledge. He is A. Arch Typical Who who comes in when he has nothing to say about his own team and he tries to light the other guys up and that's what he did. You just have to take it with a grain of salt. I know yeah, you do. Can. I tell you a quick story about Ohio state fans sure. I lived in Sarasota Florida for four or five years in in this four or five years ago and at that time while stay was obviously doing well in Alabama was doing well and everybody was. Excited about all that, but I used to go to this. Restaurant owned by Leroy Selmon he had four or five barbecue places and they were just a out standing places lots of TV the barbecue was fabulous. But on. Saturdays the Ohio state fans a lot of people that are retired from Ohio to that part of the country. They would take over this bar and they treat it like it was their own personal little playground. So one Saturday evening my wife and I were were there. We were sitting at the bar having dinner and watching the end of the SEC stuff and I it's The the bartender walks over possible blocker dances reserved for house state fans at seven PM. And we hadn't even ordered our dinner until we this six, thirty, six, forty, five, and I said, what's this all about a Gal said well, it's seven o'clock they Ohio State Games gonNA come on and everybody's reserved all these places and I said well. You can't reserve places at the bar that's just not the way works. So see soil I, get the manager over here. So I called manager over and I said listen I'm watching the rest of this game. and I'm not leaving I don't care what story is either that, or I'll just never come back and but the the porn. The whole story is these allows state fans thought that they own the place and Thereabouts. Noxious visit calms as far as I'm concerned. So that's just my little fake out on that and thanks for letting me share and we'll hopefully talk soon i. hope. So thank you a lot of conversation. About Jeff from Columbus. That is really interesting. We don't get too often that one caller. Commandeer is the show at least an hour of the show. Jim is up next speaking of that. GonNa have to. Come Down Slam. A third and then file nail jets coughing me. He was noxious I didn't I didn't. I'm even propping up Paul Cabin I'll tell me like it is I do not get on you. I'll get on us. I ain't GonNa, get it wrong. He he's land. He I'm not the right word Agai-. You know what I I I think you're right word for him everyday. Well now he's been he's been. With that was that was a lot of arrogance and Eric today it seemed like an and out of line talking about Alabama but I'm not going to talk about ball but jess was online today I'm I hope you'll take what I say. In a way that can can make him not be what he did. He he's lost everybody's. I. Mean He has made himself Monkey of of of the week. But what he said today, that's. Hard to do is to be as bad as I you know that. I'm I'm glad to hear you say that Jim Because I I understand your affinity for for Jeff but today he. He abused. Not. Ever what is the thing about a? You know you know what it is. Like it is I'm objective. No I I agree with you on that and that's important because I think too many times whether they're in this position or callers that they don't tell it like it is they just skew everything and that's what that's what that's what Jeff was doing deny he he sounded like he was. Some cheap politician. I think you know what? I think it sounds like a little jealousy involved in not his team. Not I think you're right. And thanks so well with with with with who so the I think that was guilty of that. System. In there. Well I. Think about it it's it's better than it could have been. You're you're an Ohio state fan and The excitement level down here is all at an all time high. For I mean this year I should say and you still have another four weeks to go before your team gets on the field. But I like Jeff but. Any kind of snapped me. Dale. Private phone call maybe I'm wrong. Maybe he'll take that wrong with. Anyone. Headed he snub you. Well. Yeah I was trying to talk to say he. My here in the callback, he wouldn't have like all back to me. That was A. Well. You have to remember something about guys I see him you know this they don't listen they just talk. To me I'm brag he's got a lot of good guys. I can and and he's he's been real. I give him credit again being objective give given credit where credit is due to jeff can be very responsive respected And what he should be, but today he just went alleged angrily either. Chelsea I that's what I think happened today. I think that's a pretty sapient analysis I do too and I, hope he I know it can return. I know he can. He can make him brush up and and get it right and get back we. He has been hampered today where some probably. As bad as I've been hammered sometimes when they show well, I mean he's he's been constructively hammered. You've been destructively hammered. Can't believe it. Oh, your jacket toward later that what's going on well, it's. I'm tryin Jim I mean, that's all I can tell you. Is Check in the mail I mean that would be a shock. Yeah. It is in the mail by the way it's. Reminds me of a game. told me I'll I'll leave what in and you may have box Tamar. He No it you know it was mayor. Don't you know what do you know that that that was in my mailbox? Well okay. Well, Hey, I appreciate it. We will continue this. Heading to the break right now with a everything copacetic more to come final thirty minutes. We hope you'll join us. You're listening to the Paul Finebaum show podcast. GEICO Presents Monster Counseling Dracula tell me how you're feeling. No one understands how lonely these no one will even let me into their house I knock knock but they ignore me. What else look in the Mirror Don't even see myself anymore if you don't see yourself clearly, can you really expect others to I'm having a breakthrough it's not easy to be a vampire but with gyco, it's super easy to switch and save hundreds on your car insurance. GEICO Presents Monster Counseling Dracula tell me how you're feeling no one understands how known these no one will even let me into the House I knock knock but they ignore me what else I look in the mirror. Don't even see myself anymore if you don't see yourself clearly, can you really expect others to I'm having a breakthrough it's not easy to be a vampire, but with GYCO, it's super easy to switch and save hundreds on your car insurance. We walk back in Jackson is up next from Indiana Hello Jackson good afternoon. Paul. How's it going today? We doing great. Well. I've been want to say something about jeff since everybody's been slamming on him. He was talking down Alabama about beat Missouri the last time I checked. Missouri actually had made it to an SEC championship game. Even though that's been several years ago but instead of running down Alabama, how about Ohio focused on beaten say I don't know maybe purdue. Your or Two Games at cost national championships. Yeah so let's not get too on a on Ohio state just yet how about beating the teams you're supposed to be I. Know I agree with you and you know I'm I'm glad that. I I've never. Adopted anyone. Even even as a foster parent but I I feel like we're we've all collectively adopted jeff at least until his league starts playing football again. So maybe we should be kinder. Well Up here amongst all. State fans because nobody in Indiana what's full for anybody except Notre Dame in this state? Yeah see we're Notre Dame's code I don't play. Well thank you very much. For those who missed some of this There was quite a Jeff Jeff call about an hour ago. Hey, let's go to rowdy who is up. Next. Hey Rowdy. Hey Paul. Good to talk to you again and thank you can tell you're doing well. By the smell of your voice. You I'll way down here in Alabama from where you're at. Thank you all the crap, Paul. Thanks here. Let let me say something. Please Can you hear me I sure can't I can't wait to hear this. Okay let me tell you something Jean. Stalin's law said that if he don't think every game in the SEC conferences import. Then, you try losing what? Losing one two s to vanderbilt. Kentucky. To Missouri Hello Powder in the conference. This crap about it's only the first game and we can't be too critical and we can't use that scale. But because it's the first game tail Alabama trotted let them out on the alternate was ready. I mean I don't see I don't get this. About, how Some things aren't prepared and some are it's call coaching Paul? Mike Leach went to. Mississippi. State new quarterback. New, fan new defense and they beat Lsu's. That's Kokin. Paul. He trotted level up there and they put a hill on somebody there ten stroud was trapped to Jockstrap was pulled. And I put a Hillman on somebody football Paul. This crap. You put out all in you and some of these others about well, if they if you WANNA play ball. You gotta be from this comforter that complex yeah. Joe Boroughs come from Ohio state come to death. EC where he knew seven out of ten players down here, they get the recognition that it takes be recognized on a national lip. Get it call what is it about you that? I mean I love your show man and you're you're spot on most of the time but you know this is your all your way off point here my my way all pulling now comment on that. Paul. Well I just simply said earlier not to overreact after one game that was my my main thesis as far as the guy from Ohio I have. I do not agree with what he said. So that's my comment. Okay. We'll you know. Don't put that crap out there like Jim you know you say big objective tell the truth. Tell the truth, my man. We're this is your shows about sports. It's primarily about college football. Kirby smart stands on the sideline they messed up they don't perform they off the field. He's got Margaret Oh symptoms. Clapping his hand and smile it'll be. All right. We'll get him next time. I'll guarantee you that the head the head people at Georgia with. My PRUITT or Jeff Pruitt I'm sorry. Their token nail because that man is passionate and that he's bring in Tennessee back for they will be. Georgia. A I'm glad you called I don't mind. Having a different opinion appreciate it, and hope you'll call again. Jim has made a special request here. About whoever have we? A soap opera couldn't believe what I? What about Oh lawyer William Tennessee William from from visiting. Maryville. Meadville where where Dolly Parton hangs, out I'm? Well we got so proper ball, the the GM and Joe I even go well Jim, and KIPP. Operate you. A Squirrel who said more than than Tennessee Williams very little. Regard Nobody has lesser guard from anybody on his show. Then they do the Squirrel and William. Lawyer William SNOBBY lawyer William. They. A glove on either. Jim Hillsdale we absolutely have to go. We're out of time. Above thanks for being here we we had fun. We'll do it again tomorrow. Thank you for listening to the Paul Finebaum show podcast. The Paul Finebaum show airs weekdays on the SEC network beginning at three eastern. Mom I think he stole, I found on the atticus curse. Its eyes are just very lifelike. Then what is a tape keep spinning? Scary. Yo What's really scary missing GEICO's easy to use mobile APP. You can manage your vaco policy whenever. Looks with Dolly. We can just bury a deep in the ground happy gyco wing download the industry-leading GEICO APP today.
Hour 4: Paul Takes Calls
"We want the best of both worlds. We want a hybrid a smarter hybrid cloud approach. Ibm helps banks personalized experiences with watson. Well helping keep data secure. The world is going hybrid with ibm visit. Ibkr dot com slash hybrid cloud cried passion and pageantry of college. Football leaves here. The paul finebaum. Show our four podcast. We welcome you back one hour to go already getting a little bit of news about how they've helped There are several reports out there right now. That blake hobbled the starting kicker for the buckeyes did not travel to the game because of covid we expect to learn more in the next two hours. We are here for the final hour with a guest list. It's always busy on the opening on the final night of the season. We're going to turn turn it over to you so if you want to get in. This is an excellent time to do it. We have reset the board with our final hour. And you can give us a ring at eight five five two four two seven two eight five five two four two seven two eight five your thoughts on the game you predictions in anything else. You would like to discuss as we get ready for. What should be a very very busy night. Let's start with tony in mississippi Hey tony great on polish. Great to have you all to love it love it. Love it when you come out. Thank you and lou. This is tony from thomas. Hippie sand look shout out my wife. Linda her best friend and nita listens to you round the clock. Well thank you a great deal and how there's legends and there's legends but to talk to someone like you who's been around there bryan cans paper. He goes to joe tissa tories. I can just and over two or three hours. The talent you that gives me a part of that feeling of being around them. And i wanna thank you for that for sharing your moments to the public that you had we each one of them and then let us to call you that that gets involved and i thank you for that. Thank you for saying that That that means a great deal and those are all people that i look up to as well and been either colleagues or friends and It's It's it's gratifying. That i love my life in career a priority. Espn but being here you get to meet those people and get to know them and It has been the trip of my life to be part of it. How real quick. Before i give you my head. What is your prediction for tonight. I like alabama I i understand everyone thinking it's going to be close but i think this is somewhat of an eleven point game something like that. I don't think it's going to be just a massacre. But i also don't think it's coming down to the final. Play me either. I know most of them say three four points. I know the bread seven and a half eight year there. We whoever you listening. I feel like personally. Bama you know fifty four allowed stay twenty one and i think i think say was unleashed a hail tonight. Well hey thank you. Thank you very much for your kind comments and let me go back to this because You know losing not having your year starting kicker is a big deal and and that's the first bit of information that we have learned blake hobble. Who is their starting kicker Just announced on instagram. That he will not be part of the game because they cova test. We don't know who else will be there But just think about think about alabama's kicker who has not missed a year but also think about how alabama's kicking in the past has cost them Remember the game against georgia three years ago tonight when when it was missed and had to into overtime and create The next situation He has how was. I is five seven on field goes this year. He said all twenty four of his. Pat's he he's he's a very good kicker So that's that's the first thing that That we know about And and we will know more within the next two hours so stay tuned. Let's get back to the calls and How about jack. Who's up next in virginia. Hey jack thank you and welcome to the show. Thank you paul real quick Thank you for everything you do. The meals politics football. And you know it. But like i say picks military and would like to make sure that just this broadcast again. It this is the best of the best. And i'd like to make sure that all military and the over first responders inside so forth that are make sure that this is available to them to see this game because it. It's unbelievable paul. it places. They are and the remote areas that are not able to be able to see the ball game but if they can hear it but a little word from you and it it it. It causes these The military to be able to take care of their own. And i think for that fall if i can ask what. What branch did you serve in the us. I was in first year first four years was airforce second four years. Eighteen years in the army and god knows was all over the place. Oh my my dad's was a was in the army. And i have a nephew who who went to the naval academy. Who's a commissioned officer and a He's a pilot so I have. I never serve because It just you know. I missed my my moment but I am so indebted people like you. who who who did are what i'm gonna tell you something. Paul you served in just an important position. Is anybody in the military because you like to say you the the epitome of college football and you the truth that you bring to it is what's needed especially in this world the way it is now and god bless you and thank you for that paul using my sincere thanks and ub be well my friend and appreciate all the military people who Couple years ago we tried unsuccessfully. We we tried to get This was many years ago. Tried to get a tour together to go to To go to either iraq or afghanistan and we we never got too far with it. It was very complicated. But it's something that we really did want to do and would love to do again when the world returns to at least a sense of normalcy and bring some callers along and i'm man i want you want you to go with us. Absolutely paul i go. I go anywhere with you. And i tell you that you know just tippin kinda tailgate. Dating off some of your the callers. I tip my hat to the military. I'll tell you what would that them guys. Where would this country be and like you. I kind of out. I was too young for one two for the next one. So here i yeah for guys like us. Being too young for something is is a pretty extraordinary statement. Late is this day. I mean back then we were just kids and then all of a sudden we were too old. That didn't make any sense. But that's the way it was. But you know paul tip my hat to you and all the people that have been exposed to you. I mean i've known you known you and of you for a long time. You know as far as dog years. Go but you what you've done to so many people across this country is You know. I know you were big time. I just didn't know that you were this big well rounded but let me say this And i appreciate the kind words but you know you. You've been around. The this program is a is a group of people. And and i will say it happened at a really interesting time in my life and career Because you know you go through stages where you don't know what's next and then this last ten months occurred and you know me you could hear you can hear it. It's been overwhelming. And i am just so indebted to to everyone who has participated because i mean we rough early days until we could figure out what we wanna do. Well i'll say this you've always had a good staff and we see people come and go and all walks of life every job out there but you have always has a gym up staff once everybody got the feeling of it and got got got them. Same page nepal. I tell you. There's a lot on tv tonight. And i'm sure there's be finding bigfoot and a lot this monster and all that kind of i'm not too much into bigfoot but i tell you what if things go like i'm expected they can probably do some x ray on some bama's and we'll find we're big foot's footy is war ohio state. You have great thank you. I appreciate it. Let's continue with more comment with more calls in college. Of course and mike is up next in south carolina. Hey mike paul. I really enjoyed that little sippy head of of their blunt. And you remember him I was i graduated from tuscaloosa in eighty two and was was there In in town when he when his spiro took place i was had was able to go to that So that was well back some Some you know. We're very sad times but Some some were great memories two of the hall the winds that Went on during that time I but but last thirty years. I've been living in in in south carolina and there's pawprints on everything around here people wearing the jackets and stuff and hats at work. I'll see you probably about a hundred of them. You know throughout the day and it's there's a number. I was trying to think of paul you money with the bowl season this year Let's see they were six. Acc teams that went to the bowl games. At how many. How many did they win. We are still waiting for the first win. That's ro that that's the number. Yeah that's bloomberg looking for. Yeah but looking. Forward to the game. That i'm so so proud of sabin and and and excellence that he's brought to the to the program. You know those guys are not Satisfied until they win all of it. You know they've they've throughout the season you know they. They work hard every down every every play. You know. They focus on that and They're not satisfied until they win the championship. so i i'm hoping that They rolled the night. Well thank you very much for saying that Great to have you on and we will hopefully talk again. We ready to roll here for what's been quite a show. More of your phone calls at eight five five two four two seven two eight five a busy busy Afternoon with many great guests from the commissioner. Dan mullen to tim tebow. We are taking a break back with more of your calls right after the listening to paul finebaum show. Podcast in lane is in mississippi. Hey lane hey paul how are you doing. We're doing great how are you. I'm doing just fine. And i'd like to start off by saying roll. Tide also my extreme disdain for ohio state especially after the two thousand fifteen final after they intercepted the final play. I believe in truck. About back for a touchdown even though they were gonna win anyway play. Hello everybody you're looking live at fans ville a college football. Utopia spam with a rivers flow with ice cold dr pepper. Where every day is saturday in. Everyone's fan even babies and the seasons never change because the only season is college football season. Get a taste fans. Fill this fall during a college football game near you dr pepper. The official drake of fans ville grab some today. Do you own or rent your home. Share you and i bet it can be hard work. You know it's easy. Bundling policies with geico geico makes it easy to bundle your homeowner's or renter's insurance along with your auto policy. It's a good thing too because you already have so much to do around your home. Go to geico dot com denna quote and see how much you could save. Its geico easy. Visit geico dot com today. That's geiko dot com But yeah yeah But i just wanted to get your thoughts on alabama's defense specifically the defensive line trying to penetrate or someone say earlier about getting pressure in front of the quarterback has a lasting effect but Also wanted to ask about our quarterbacks against ohio states receiving corps Especially the young guys. How do you think they'll do tonight in their first big chance split lane. I'm a little concerned about that from alabama standpoint and you have to be But i think some of it just depends on the tempo of the game. I don't want to sound like a broken record. But i really wanna know justin fields health and we're going to know in the next hour or so what's going on because you know. The teams are at the stadium. And you'll start to get a better idea. I do think it's significant. The kicker is gone for. Oh how state That's a critical moment from a momentum standpoint but back to your issue i think house they can score on alabama. I'm not going to be too surprised. But it's you know can they score enough to keep Thought i made a great point you you have to. You have to find a couple of stops and if you don't you're not you're not gonna keep up with them. They have the best offense. We've ever seen absolutely. I mean his history being made all around with najji hair devante even mcdonalds a hell the season though yet and in my opinion hanging out the recognition he deserved even though he's been talking about all over the world but Yeah i'm just. I'm worried about these these youngsters. He's freshman you second year stepping up doing they need to do. I'll tell you what you don't want if you're alabama and i don't claim to be a technician of the game. I just watch it like a fan. But you don't want a fast start for alabam. Where suddenly alabama for for for ohio state. Where suddenly alabama is in a panic situation for the first time all year georgia game was really tight in the first half but but other than the other than that. They've had a you. Know ole miss was was attract me but you knew you were gonna eventually beat ole miss and i remember two years ago on this night in alabama got off to that fast start And then a two or through the pick six and even though alabama came back it. See the the. I was standing on the alabama sidelines. And you could just feel like oh my goodness. This can't be happening. That's not what you want going on. That's not what you want. Permeating the alabama sideline for a team. That has been calm and cool and business like a confident all year long. Yeah well honestly. I'm hoping it'll be back in. Let's see said he will be That's speed you just can't match it no matter s corner run. I'm trying to remember who said this to us earlier but He said the jalen it was dan. Mullen i i second time. I've quoted him but he said you know dan mullen just the jalen. Wild just will bring energy on the alabama sidelines legends. Next club coach. What's regine great to hear from you. Man i'm talking about ready to go red flash house alleged alabama fans calling. I'd say i'm nervous would you. Would you talk to them. Well paul say it's gonna be a tough game if go right down to the wire you know. They got all pro. Players got all pro players of the future the nfl. I expect to the bill game. Paul right down to wire. I know you're going to be a good ball. It's called me a curve style. And i'm gonna tell you why but i will tell you why right here when i look back over the saving dynasty the thing that bothers me the most paul is not the case six. It's not clemson beaten us in asheville. Tell me still game. The one spot that bothers me. The most is an early in house. America i mean that's the one spot that really hurts heart and tonight ohio state. We're go make it right baby. We all make it right. We've been a curve stuff you into the ground and night allow stake. I don't like any george. I don't like ardsley. Stor like buck. Or i don't like nothing about you. Ohio state and this is the offered to the plus twenty twenty by stop. The ohio state buckeyes people notice fault. Muhammad ali college football. Somebody tell me that it legend. It's the alabama way. I haven't mean i hear that all the time i heard it. Would i remember when bear bryant team was playing arkansas. State man they got a really good ball club over there in jonesboro. Come on yeah come on his own web though. Paul you know who you know. I was born in the sixties and raised in the seventies and eighties during the wishbone of power To tolerate that it would have been the alabama crimson tide. Would revenue dies air me. Ladies and gentlemen revolutionized the game of college football through the air to the i the heisman trophy winner at wide receiver. I remember as with the ball. Fan times a ball. I mean it's a different age about who can stop to. It's about who can score. Who and then nick savings testimony to its greatness ball. He has changed with the times and we. I'm not nervous at all. So i was going to be a close game for a quarter to southie into the ground before i. I'm watching the public in got danny sheridan on speed dial. I don't but the late money. I thought it might go the other way. The late monday seems to be on alabama right now. That's the smart money to all this way. You get your power bill pay. You get paid. You take that woman on vacation. That's eight and a half. This is a double for alabama power. Right here i mean how good team don't get me wrong. But the thing about ohio state paul their wide receivers. Just don't scare me and you know patrick serta ain't going down one side of the field or wilson so it's really up though how state run the ball. They keep in the pocket. It's just gotta georgia field with heels. And they gave me and we all know. Georgia does paul. Did i even have a. Hey come on. They won the peach forward in cincinnati. What are you talking about. Oh that's right. they'd be undefeated. they finally marry. They may be america's favorite team probably back. They back. But you know this ain't no lie. I remember the night of the georgia tech game and the sugar bowl. You're a couple of years ago. I'd say the kirby smart has any hone those right now wants to win a championship. He will walk in that locker room and handle football. The justin feels. That said. it's your baby. Take it from here. St they're not do it and look at the consequences. They glad you mentioned that. Because if for some reason the unthinkable happens in alabama loses just in fields holding up the trophy. Oh they killed georgia alabama wedding tonight. Doing it fans are definitely pulling for alabama. And i you know then. Yeah they they. They're just to failed to raise shows the at all. I love you by. We go week cursed ratings to flag alabama. Get the rain. Let's get rid of the kiss. Another does the championship stop bombing days. We curves up an ohio state. Thanks talk to you soon. Always appreciate it. Clay is up next in north carolina. Hey klay hey ball thank you so much in love falling the legend with his with all of its confidence. Because i'm right there with him. Paul i gotta say roll tide all the way tonight and but why called with the. Thank you for The the piece you did on being there bear brian at his retirement. There at You know like you said overlooking the the mighty murky mississippi and I gotta tell you man. I started calling your show right dan. I've tried before ride then. I had to call and tell you how much that meant to me. And and too tight. End nick sabin and how much it means to us alabama fans out here. We know what i'll never forget. I didn't say it in that piece. Because i've said it Before but i'll never forget on that day. The coach bryan announced his retirement. I genuinely depressed. Because i was a young reporter and i thought man. It's never going to be this good again. My career is over before it even begins. And the idea that alabama football would rise up Is one of the most remarkable things i've ever seen in sports. Well i have to tell you. And i'm not i'm not ashamed. State teared up and Just because of it brings me so much joy as does alabama football. And i know it does for so many out there You know it. It just means more and in his silly day but It it's just it runs in our blood. And i was at the first. Sec championship game in birmingham and the freezing rain and i got to see gene stallings when his national championship in new orleans as a fifteen year old kid. And i've loved alabama my whole life and Gene stallings means so much and and the interview you did with him means so much and As a teacher of special needs children. I have to tell you that this past year. What you've done Means so much because your show really is a family and when people say that are truly are truly understand what that means after this year being home Separated from the kids that i try to teach and that means so much to me and Coach stalling so always means so much to me and his son you know. I remember as a kid learning about his son and now as a teacher a special needs kids. You know. I really truly understand what your show means. And and weighs worth man and You mean so much so a lot of people fall and mean a lot to me and i. I'm so happy about tonight I hope I'll say this alabama needs the we. We should've went back to back against clemson if it hadn't been for clock management and i that's what i'm hoping for tonight. Alabama will win. We manage the clock and don't snap the ball on offense with fifteen seconds left on the clock as we're rolling down the field. We just gotta be smart and we were role. And god bless you sir and roll tide. I can't thank you enough for all the best hope. We get a chance to talk again very soon. We'll take a break. We still have thirty minutes remaining right here to listening to paul finebaum show. Podcast burn is up next in new york vern. Thanks for the call. Thank you sir. I'm thinking taking my call. I'm calling from hudson new york man it's up near albany new york. I just want to let you know. And i appreciate you so much but i want to let you know that. There's so many alabama fans up here as a matter of fact our mayor. Who is the youngest mayor of our city. He is in alabama fan and we are rooting alabama on from state new york. There's many times when i'm here. And i'm sport alabama gear and people come from down south and they're like what are you know about that and i'm like hey man roll tide and as universal language that we appreciate so much and i think you paul for Everything that you do. I'm i watch sec. I've been watching it all day. I actually took today and tomorrow off because this this and you know A friend of mine. She said You remember when you turn eighteen the day before you turn eighteen. How excited you were well. I'm excited because tonight we are going to turn eighteen and on my also wanted to set up some of my friends in michigan because they dislike ohio state as much as we do and they are cheering for us and and paul set out to you. south to hudson and set up through new york. And thank you for taking my call. Thank you very very much You enjoy the game Taking tomorrow off to. Nick saban has updated Jaylen waddell situation. He said just moments ago that it will be a. It'll be on a limited basis if he can play. The decision's going to be up to him that does not sound overly confident but limited is very means exactly what he said there. Let's get back to the calls. And andy is up next andy. Hey paul how are we doing any. We're doing great. how are you. You're good well as you know. We're all getting fired up Up here in ohio ready for this game. We're hoping for a rerun fifteen but we're we're optimistic but cautiously optimistic I just wanted to say that With all the unrest and everything going on in this world that Boy isn't a great night right. Just enjoy college football. I'm glad you said that because it really has been a nice diversion and i everyone knows you know what we've gone through for ten months. Everyone knows what we've gone through the last couple of months On another subject but it is nice to be able to forget about it for sure. And i just wanted to share that. I think that that's a good night just to get away with it The cleveland browns were up here last night. Went and so. It's it's not a good night last night in ohio and we're hoping for a rerun tonight I lost my sister back in july and in her honor. Tonight the buckeyes roll the tie. Well paul thank you very much. Appreciate your your your contribute to your sister and we were sorry. So sorry about that stuff to do. Wayne is up next in north carolina. A north georgia. I'm sorry wayne ahead. Yeah so. I'm glad to be on a great to talk to thank you. Wayne steve is i. I'm the dish place. Seminole you ever think that florida stakes go back in time i do. I'm i'm a fan of might norville. This year was all over the place. But that's what you expect. I think i think florida state has too many things going for it not to eventually Comeback i. It's a fantastic program. The fan bases at a site. And it's it's also a recruiting hotbed yesterday. I i hope next you re gets a play some games. Well i i do too. I i think i think i think it. I think the program will come back. Appreciate that wayne you you take care of yourself and let's talk again sometime soon. Another call from north That was north georgia this north carolina. Tom is up next. Hey tom paul. First time caller. I grew up in florida. And i'm an sec fan. Gator i but anytime an sec team plays i pull for them I am around a lot of acc people here and I tell them that. The acc fans for eight competing conference They're not real happy about it. But when i talk about football with the exception of clemson that's kind of the way it rolls but Tonight's game concerned about ohio states. Defensive line how alabama's offensive line handles them and But i also wanna do a shout out to kyle trask I'm a college baseball coach. And we've used him as a motivational item In a pre practice talk. That didn't start in high school. Oh wow and hung in there Hung in there and Even had a pretty good quarterback rating compared to enrica king and still didn't start hung in there of course king ran very well and then the same thing at florida hung in there Finally got to start then got injured and then bounce back the next year after an injury and and had a pretty good wrap up to his career. So it's a pretty neat thing for kids who think that it's all about if i don't start i'm leaving and When does when does your season began. We start January twentieth Of course cove it is is always hanging over us. Right That's when we start back and of course we got protocol it goes through and hopefully You know we won't get burned with With positive testing. Yeah i do. Baseball started very early and last year. I guess everything was shut down. Wasn't that like you're already played a little bit hadn't you we. We played eighteen games last year. And we're just about the same number Around the country Because almost everyone starting about the same time now We usually start up in february and Yeah how do you how do you. How do you play baseball when it's so cold you know i it. There is a cut off point. You know it's in thirties. It can be Extremely challenging but You know we talk about cold and they real cold cold Forty degrees son out and is pretty. Nice Ah forty cloudy and wind blow and can be very miserable day. I've lived in the south all my life but the last two not this year. But because cova. I'd of the fall in new york and and i just You know walking by the river to work every there everyday up there in thirteen degrees. I wore I would never. I would never live North of North of mason dixon line again. But i thought i'd never leave Florida to coach baseball. Either i did. And it's been a great decision for me But Love football club the sec Don't miss your show very often. First time i've ever called. I didn't realize how long i'd have to wait. But i finally got in here. I'm really glad. I hope you stay in touch with us as you get ready for your season. Thank you thank you for listening to the paul finebaum. Show podcast the paul finebaum. Show airs weekdays on the sec network beginning at three eastern.
The Big Bang & Love Maniac
"On today's episode. We're GONNA talk about Josh Powell and Thomas C Dula you're listening not bad in the boondocks baby up's clocks mugs mugs you can get op-ed cases you can get on phone cases notebooks you can get anything yes thank you so much yep thank you and if you want to become a Patriot not not you can get clocks you can get coasters you can get dresses shower curtains bath mats comforters code onto your podcast and that way you become a premium member for four ninety nine and also receive three exclusive episodes every month and helps us keep on making some podcasts also you can use Himalayas as the APP of choice deliver yes you can get a shirts you can get tank tops you can get scoop shirts mini skirts leggings which look really good drew has a pair all right let's see next is it red bubble dot com you can get anything that you won't you've been asking for where can I get and and all of our merchandises there go today and get some Yay spread the word you can have on your ass if you want how to and thanks to our two newest Patriot patrons that would be Camille Anderson and Lee also you can give us a one off tip from Himalayas it looks like a little coin up top and that's how you tip us one time on and get exclusive episodes you go to Patriotdepot DOT COM look bad in the boondocks there you can select from artisan that supports us eh Hey welcome to bed the boondocks has always I'm when he hosts Dan and drew and we are always glad that you're here yes first and foremost I WANNA do a huge shout thank you and all really cool you want to become a superfan get the giant block as bad in the boondocks in yes and acrylic got no no no now I WANNA pick up wearing it you know Jesus and don't send US News One more week of the contest so ride a review write a review yeah and we've changed Oh yeah need them but go to red bubble DOT COM that's red bubble dot com look that in the boondocks walks alright so go to red bubble DOT com today and get all your bed in the boondocks official merchandise next up block yes three ban the boondocks coup as free you look Pretty Dope Yeah said today didn't it his leg and yeah you can yes she can't and I bet you it will look good I think look pretty good on those and if you do get something send us a pick of you wearing it or are you can get a tank top or you can get a t shirt or you can get a Mug if you want to yeah basically we're GONNA say everything everything off the I guess you can have it all over your body while you're laying Christ imagine how sexy that really six in the Boon Valley City Utah she disappeared on December sixth two thousand nine the sad thing is that she had two young boys to take care of now wear wear nothing Oh you can even get pillows and stuff oh yeah you could lay down with bad in the boondocks if you only you can get comfort not shirts from you go to red bubble DOT COM and search for bad in the Boondocks and there you can get you can get t shirts com I'm at bad in the Boondocks at Gmail Dot Com yes and you can get a you can choose what kind of short if your girl you might WanNa little ache up Scoop Cup shirt changed it to where after this week we will be pulling a win randomly so writer review send us a pick of email to ban the Boondocks Josh Powell who Josh Tau Okay Oh Gosh Yeah so Susan Powell whipped in west become from you they looked pretty key I'm a father I could say for me it'd be a different story yeah because his pretty acute way creepy specially wearing leggings luck you are I'm not and she was twentieth nineteen seventy six in Portland Oregon and then later moved to a Utah because of Joshua's father you love to exploit others for his own personal gain the couple's marriage had issues many fights they get into not yes usually suspect the husband has culprit always the frick and husband well I'm out rightfully so in this case as their marriage was not the most jovial because some stuff's so of is a little pricey but I meant yes I will this is the last week and you get some jam and Mugshot all right drew's going I today I am and today I'm going to be talking about Susan Powell or you know have Charles Powell embraced impel they were cute little boys to would have been cuter in a bad in the boondocks shirt but I mean they weren't available at the time send a little crazy commission Joshua filing for bankruptcy for over two hundred thousand dollars that's just a little trumpet change Josh was sale they called the police after police were informed they broke down the door to the home fearing carbon monoxide poisoning our fears on her marriage to French recording some of their fights to have documented and even said one of the tapes quote if I die it may not be an accident even if it looks like it in quote you know what she shut it on one hand Joshua's mother and sister went looking at the home after being informed that the children were not dropped off at the daycare after not being able to reach Susan. Sorry to Joshua Powell no she wasn't near Ward Lion Now your I know with almost every wife that disappears you know she was last seen alive the next day the entire Powell family was initially reported missing by family members didn't have to make it work it should just come natural making it work is way different than being jovial on a on Joshua and Susan married on January home at midnight the night before leaving Susan Sleeping and took the kids on a camping trip at Simpson Springs Campground in Western into thin air her purse car and foam were left incomes rolling in Oh Joshua later that day after being Susan's appointments to cover proctor and took the children out of Daycare Co Workers Joshua told police that he was asked or other accident it became increasingly suspicious when Susan did not show up at work that day at Wellsfargo financially Charles and Brandon had attended church and a neighbor recalled visiting them out the power residence before leaving around five pm the day and you camp at night to see all the beauty exactly when Josh will go back with the kids from the trip he decided to cancel all lamp check Nail God don't start that stupid y'all light Lisera no she's so frigging stoop now she's not in Utah Utah what time of year was oil the thing is that it was freezing outside and have recently snowed is to that his coworkers God some people look it all so stupid though yeah but then they would call them for looking at up to Ali hold of his wife's disappearance he didn't seem concerned at all and police recalled acting strange he told police that he left his home l. whatever she told friends ajaj was cruden controlling behavior the morning of December sixth Susan a hair because he asked about it but I mean how many people do you think really have paid bodies though such idiots so stupid no bit more as a lie that's a lie friends of Susan felt like there was more to the story than that was on the surface Susan expressed I needed to hide a body what would you in the snow will they find when the snow melts and still be preserved because disappearance Charles told a teacher that his mother was dead Oh yeah and at Daycare Brayden drew a picture of a van with three people inside them how in the world do you had hot Abbadi what what had you had a body uh-huh well Joshua was definitely not slick in a row suspicion amongst the family and officials upon investigating officials found blood on the floor born and how many marriages are non and your won't to get married so there's a few I don't know I don't know bring her back but she didn't return with them so their in laws my question later after Susan's just say on this point I'm not shut up along with distress letter she wrote to her friends at this are at the Powell home belong to Susan along with a life insurance policy of Susan's of one point five million dollars the bills maybe not exactly but we will get something for you that's why we keep you around is mature and in about a year or whatever tragedy that always has a weird way of Fargo financial little financial everything was left like she had really just disappeared linked to find fan blowing at a wet spot on the floor which was weird look could have had an Acura accidentally pee wee wee accident just asking not saying I need to not yeah not science high blood clotting hi Dan I say and if one that's a great time to carry little time camping extend the middle of the night that makes the warmest part of the day it just makes no sense of warmest part exactly hey it do I really don't either poor Allah let me say a L. L. A. Okay whatever to stay with his father for the holidays on January sixth he went back home to Utah with his brother Michael to gather things and to rent out his don't kill me because you won't get a penny you'll be paying a you think you're gonNA be paying now we'll get something for you uh-huh I'm okay and if you're going to murder your wife and cab your children around watch you should do is have a talk with them on the way back home telling what happened to shut the hand when question about the drawing he said that Mommy was in the trunk he just tell us bill an old I won't listen to me out too well one should have done it while you our younger but he talked about nothing shut a hill of earlier and family people say that Josh will return to Washington because he lost his job in Utah early two thousand ten wasn't enough evidence for the Cure Joshua well police decide to question him and Charles the questioning concluded that Susan did in fact go on the camping which I don't understand why she would really gre- go on the camping trip but maybe she was forced water they accidentally forget the the investigation continued on Joshua became increasingly uncooperative on December eighteenth two thousand ten Martin Down Stupid people really do that you know stone mountain snow and then they'll delve melt they'll mail with the snow Joshua took his children and moved to holly up to why Paul Up Washington oh I don't know tail down to shut the hail up and not tell anybody no you just make up and say that the boogeyman or now because then they'll say that fourteenth two thousand eleven investigators believed that they have found human remains in grave on Topaz Mountain your nephew Utah Joshua Joshua's father tried to make everyone believe that Susan had abandoned her family due to mental illness issues and had fled with another Joshua knew this area will having visiting there previously on camping trips after searching the site thoroughly investigators conclude as video whatever on the podcast anymore you might know what happens they found out he had been videotaping young girls including Susan without their knowledge Susan's family so she was a young girl uh-huh now you say now let me tell you Charles Tall shut the hell Do not speak a word this are you going to go and Tom out for the rest out by anthropologists all this was occurring Steven Powell was getting arrested and charged with voyeurism and child pornography wow a of his children would be to move out his family home and find his own place so he rented out a home in Graham Washington and then the WSB West the Boogeyman or the teacher will live Johnny was the book he looked like the heat like daddy more so everyone thought he just made it look as though he lived there to get his children back but in reality who was still living with his family supervised visits February fifth two thousand twelve was when the disaster happened he had then actually moved Ah Oh my goodness and he's okay daddy okay okay that might not know what happened to mommy into his home in Graham at this time as soon as the social worker wall to the front door with the Children Josh will open the door snatched the children locked out of the house in a few minutes later the house exploded into pieces during the nine one one call the dispatcher was no help at all and continued to ask her random questions and even began to get agitated with her when she was trying to explain what happened he kept asking her the same questions over and over again instead of dispatching police he could have gotten her location from the GPS but instead he like like other young young girls and in their season couldn't Lord Susan's gene enrolling in La but she's a strong lady she knows what she's doing whatever she checks her family wasn't that shocked with the arrest and thought it was good time for Susan's father to try to gain custody of the children in which he when he was Joshua did not get his children and it was made in January two thousand twelve that social worker bring the kids to see him for call their bullshit and publicly Sushi's family called their book yet well they didn't really say I call your bullshit but way yanking them inside he acted as though he was angry so the social worker decided to phone non one she was man. Yeah you've got the sun saying shoes and Trou- it doesn't turn out well Susan's family Last Housing Utah Josh Woodside Delivering Polio in the same house as the father with his father Louis is he got a big mouth but he meant the data must didn't tell them nothing about being quiet about it you would have thought that the daddy would have been leased needed that guess what there were no human remains and believe that it could have been just in ancient bureau site but that theory was quickly ruled out since father was a bother that's what I said was awarded custody of the children the way for Joshua to regain custody and no just saying like young girls and Sues Oh okay could you set including Nevada ignore now how call your boo onto their boss and rejected these false claims publicly September was father got it they thought it was a good idea for Joschka would get cuts in no that's not at all what I said I said Suzie okay now we can't say nothing about Tommy this yes or mommy oh never combine the life that's what I would remind me we'll come back to you rock thing Oh was awarded what do you have a question dia would you please read that so since Josh don't you what we got licensed y'all will get something from me but that's why we're keeping you around you wouldn't get nothing from US I know that responding to more serious calls and said that an officer would call her will the time that she ever got that call from officer took over five minutes asking her what her location was he told her that he would send someone there after and we're back I'm GonNa tell you during the break drew let me borrow the leggings and they are comfortable I got I could wear these carbon monoxide poisoning all that's horrible after hacking the boys he went into the kitchen turned on the gas stove there are also two gas cans at the back of the floor pay attention it is believed that Michael and Joshua were working together to kill Susan but to this day Michael Powell killed himself it is no Michael was the brother of Joshua I'm sorry sorry the family Ajaj was said that he contacted them while he was in the house to say his goodbyes February eleventh two thousand thirteen that was quite stored thank you thank you for your compliment and therefore quick break do your do there's no closure whatsoever nothing except for anybody exactly that's I think that's bull but that's crazy listen the Rafiq part is what happened in the house before them though Joshua had grabbed a hatchet and continued to be Charles should have been the number one operator kill them basically to me to me I feel like because by the time for police stupid Lalla Gate and shit around by the number one dispatcher even though that made no sense you know he was really know fricking hill now here's a loser Susan still remains missing so no closure there you thump thump Thum so sad your own anyway whatever and it's time for my story okay else that he emptied into the home might what's the purpose of doing it to the kids I don't know but he then lit the lighter and Bam I do I just wanted to reach through the phone and stabbed that mother dogs call he could've dispatched the police from the very beginning her gps but she gave him the address but then she was like how long does it you can look up this nine one one call but it's like ten minutes long it's two of them and it sucks use a mass I really feel like the nine one one operator roles emperor radim with it all causing deep wounds into their heads and neck alway always were not dip because at the hatchet g causes death was take and he said Ma'am sorry we'd have to dispatch cost for life threatening and and she said well this is life threatening assaulted long and not even know that I'm wearing things they look great they're comfortable and they're cool don't let him fool you adding get any he got him own self appeared there were calling Bam boom that's a really small bay they were gonna Bam knock better they were going again well all right okay surely some of Y'all out there it recognizes that song I never heard him it's a great folk song but it is Tom Dooley and most people that's all they know is a song but there's a story behind it it is about a real man named Thomas C Dula and Thomas Dula was born on June twenty second of eighteen forty five to a poor appalachian the Appalachian Trail Appalachian trail family in Wilkes County North Carolina eighteen forty five men in the world do people even anyway is whether any given me all I really do think spoke route that is both Josh and the kids were killed in the explosion how do we even know this stuff shriveling up journal and Wrecker is an archives that's a while and newspapers for are we also are members of new newspapers dot com which goes back they have newspapers from eighteen hundreds really yeah if you would like to use them for any of your research a young Tom attended school and grew up playing with the female foster girls and who later became Milton and her cousins Laura in pauline and he was born to a poor Appalachian trail family in Wilkes County North Carolina he had two older brothers and one younger sister as a child and as the kids started growing up Tom and and became intimate in fact and mother found and goes eight hundred ninety nine they're crooks there was a woman and her husband had whipped her and so she got back at him at suppertime and hacked him in the head with the and do y'all Fang but don't do it two hundred eighty seven they don't do it too much but anyway on absolutely we have a we have and if you would like ain't nobody born listen but if you are good for you yes you've come a long way honey the I think you can get some crazy stuff off you can't like some Alma Gosh in eighteen ninety his eighteenth birthday tom joined the confederate army he served as a private in company K in the forty second North Carolina Infantry Regiment until the war ended in eighteen sixty five it was a true backwoods boy he was a trooper letter Tom Dula was literate proven by the fifteen page account of his life that he wrote him being literate was highly unusual lot of bullshit may be Tom played the fiddle and he was considered to be quite the lady Abe's man plays the fiddle Tom did not escape the war unscathed he suffered various injuries Anna Stan as listener of war throughout the course of the war each of his brothers died in the war which left Thomas his mother sole remaining boy before the war battle of Gettysburg way but I felt am was supposed to be ambushed who he was caught in bed with exactly she married a yeah before he ran if murdered Laura foster because she was still in love with Tom and was jealous Laura was marrying him others believe that perhaps Tom New Jesus this is weird and cousin pauline foster testified that an had led her to the site of the grave one night dozen Laura on the morning of Eight may twenty fifth eighteen sixty six she quietly left her home where she lived with her father Wilson Foster forgave him the puck which is syphilis Omagh aw testimony indicated Tom believed law had given him Tom in bed together when am was only fourteen years old ooh thr- guess you grew up vast Batman three months before what happened that day many of the stories that have grown out of the folklore of the time implicate and Milton in some way some believe an or started and Mary James Milton a farmer and Cobbler who was a neighbor to both an Tom Melton also served in the civil war fighting in the yeah before he went will both men were taken prisoner and returned home alive shortly after arriving Home Dula resumed this relation suspected an had murdered foster but because he still loved and he refused to implicate her after he was arrested and took the blame for the murder X. who yet and they use a lot of access to all right anyway Thomas do he was born in June twenty second eighteen forty five and took off on his horse bill never to be seen alive again while it is not known for certain Tom and Ann for syphilis yeah wow as he also did pauline foster really witnesses testified in court that Tom made the incriminating statement he was going to do in whoever can ship with an given its reputation as liberty it did not take Dula long to also begin an intimate relationship with and philos- which he might have passed onto an oh my gosh so there's a lot of shit going on in Asia Tom Tom was a here everybody wanted Tom Speak Tom was doing an but thin an was doing second guy that she mary yes many believe that Tom may have caught the disease from pauline foster and passed it along to the other foster women they believed all that he caught it from war exactly whichever of the three kilter Okay Laura just poulain his kingdom for using who who exactly is falling pauline is an cousin okay so Laura right she an and Laura yes she's Christ Acting hundred Jesus the local doctor testified that he had treated both and Tom Paul he actually got up from Laura Laura is the one that got killed cheese the something else that twenty-something maybe well yet twenty seven I think the mind would be longer okay I just talk about Winfrey vacation yes I understand she had been stabbed once in the chest wow the gruesome nature of the murder combined suit yes I think the Tom and killed her were pauline per the doctor was the first one that was to treated for syphilis Oh my God what I'm thinking is pauline gave it a Tom. Tom Gave it to Laura now not Laura and is decomposed body was found in shallow grave in which her legs were drawn up in order for her to fit in the hole so it was kind of like she was cannonball in it will give an harsh poverty of his upbringing while fifteen pages I don't know my life story would last fifty days engine and led to the enduring notoriety of the crime and ops go through bone very hard yes isn't odd Colonel James Grayson under the assumed name of Tom Hall across the State Line in Trade Tennessee grayson would not really no fifteen pages yeah really not much to be honest with you okay well he didn't live for very long I'm GonNa tell you he was only thirty thousand over the end he will in his shame on her husband with Tom then Tom went back to an so am was with Tom and the other guy and Tom Os lean and oh yeah he was okay then that's three people it sure is exactly so then Tom gave it to Laura in then Tom then in return gave it Dan Dan he wasn't doing lor why not wholly no within you got me all confused I said so then Tom was with pauline beyond was doing an and let me Tom was laying out everywhere he was dipping to pee everywhere cow end the slang is unclear but he fled before her body was found when he was declared a suspect working for time born in eighteen forty five he was executed eighteen sixty eight Jesus this awhile that's only under foreclosure as a romantic rubble of Tom's but this was not true it was simply an incorrect inference drawn from the lyrics and with the low murder rate of place and numerous rumors that circulated in the small backwoods town when she was killed captured the public's in two thousand one Tom Dula was quote unquote acquitted of all charges after serious after Salaam you know because in the song says if it weren't for Grayson something yeah okay and became more widespread as the wow luck you just say it's got it from and all lanes and gave it to more than gave it to an remember Laura was who they thought go Mary Yeah The Bulacan bans represented him pro bono and maintained Tom Dulles innocence of the charges he succeeded Cottin was set free and on Thom Dulas Word Melton was acquitted of the crime so an Melvin was acquitted because he said that she had acts of the case were largely forgotten Grayson did however help the will county policy bring Tom Dula in wants his identity do you love was convicted and although given a new trial on appeal he was convicted again his supposed accomplice John All lanes yes that's the other girl he was doing way I forgot the one that died falling the one that got killed yes the one that got shield nothing to do with it I think they got this all he was executed nearly two years after the murder on May first eighteen sixty eight so he was she was discovering he got to be joking me but they didn't