12-22-25 Scott Sloan Show

Scott talks with Alan Collinge about what we can do to help those with student loans. Also Ohio Senator Steve Huffman explain why Governor DeWine killed the CBD beverage industry. Finally Brian Cross breaks down why Ohio is number one for spam and scam messages.

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Episode Transcript

Speaker 1 (00:00):
Don't want to be an American idiot.

Speaker 2 (00:02):
In one of the final after President Joe Biden way
student loans about one hundred and fifty thousand people, you know,
just kind of a little tip of the hat is
he headed out of office about a year ago on
that though, It's not like, you know, the Trump administration
has righted a lot of those wrongs, which is simply
have forgotten about this meant, the total US debt is
almost two trillion dollars in student loans, the average borrow

(00:23):
ohs over thirty nine thousand dollars per person, and so
many more have defaulted on those loans as well.

Speaker 3 (00:29):
Delinquency rates are high, the repayment timelines are question well
at this point, where do things stay in relative this
and how do we solve this? Allen Clinch is the
founder of Studentloan Justice dot org.

Speaker 4 (00:39):
Ellen.

Speaker 3 (00:39):
Welcome back, Ay.

Speaker 5 (00:40):
Ben, Good morning, Scott.

Speaker 3 (00:42):
We saw default rates spike after COVID and then once
we return to payment or try to anyway, where are
we headed to now relative to the default cliff?

Speaker 5 (00:51):
Yeah, that's right, Yeah, we are headed for a mass default.
People are just done. People. You know, so many people
have been paying for years and years and years under
any one of the alphabet soup of already existing income
driven repayment plans. There's been four since nineteen ninety five,

(01:13):
and the disqualification rate for these IDR programs is upwards
of ninety percent. And so.

Speaker 3 (01:22):
It is a huge crisis. Yeah, there's no I mean,
if you don't have the money, you don't have the money.
I get that. And it's it's easy to wag your
finger at young people and say it's your fault. But
and I get that too, But I'll be honest with you,
the plans that I've seen from both Trump and Biden
don't really address the issue. I mean, for giving a
loan during COVID, I guess we can suspend that. That's

(01:42):
all fine, But there's no accountability here for universities. That's
why I don't like the entire ballout system. The way
it's been proposed and structured is so what happens is, fine,
we're gonna we're gonna wind up wiping all this debt out,
all right, Well, what then happens, Well, universities will raise
their prices even more because students will have that extra
money to pay students who took on huge levels of
debt will be able to you know, turn that towards

(02:05):
the government, meaning me and you to pay that pick
up the tab and politicians score points with young voters
who seldom turn out in order to get elected or reelected.
So it serves all those interests, but it doesn't solve
the problem.

Speaker 4 (02:19):
Right.

Speaker 3 (02:19):
The problem is you keep subsidizing college, you get more
and more and more expensive. That's really the problem here,
and it's not addressed in any of these plans.

Speaker 5 (02:29):
I actually almost completely agree with you. I mean, the
lending system is a large catastrophic failure at this point,
but the loans will not be paid. So ultimately the loans,
at this late day, they will be canceled. But you
raise excellent points. You know, canceling student loans solves nothing

(02:51):
the price for all.

Speaker 6 (02:53):
The reasons that you mentioned, and you.

Speaker 5 (02:55):
Know, the core of this problem, Scott, why is in
the fact that, unlike every loan in this country, student
loans have been uniquely stripped of the most fundamental consumer
protections you can imagine, mainly bankruptcy rights. So the family
Father has called for bankruptcy rights, uniform bankruptcy rights in

(03:16):
the constitution ahead of the power to you know, raise
an army and declare war. And this has been stripped
uniquely from student loans. And this really is the lynchpin
that is enabled this runaway spending, run well, runaway charging
tuition prices and so court by the colleges, no accountability.

(03:37):
And you know, counseling loans is all good and well,
but if you don't change the underlying system, then we're
going to be right back where we are now in
a few years.

Speaker 3 (03:46):
The system, the system from top to bottom has messed up.
I mean, if you go back to the nineteen sixties, seventies,
I think it was eighteen percent of family income is
what tuition was, which is manageable sixty five. That's when
the government says, hey, you know what, we're going to
guarantee student loans now. And then Sally May gets involved.
And by seventy eight, as all these government programs, more

(04:07):
government gets involved, the more they screw things up. Tuition
and fees crept up to what almost fifty percent of
a family income today. It's a totally government controlled problem.
Because they stepped in guaranteed, subsidized for gave loans. They
have the power of the pen, and all it does
is encourage universities and colleges to hike their prices up

(04:28):
because they're getting free money. It's a simple solution if
you've got government out of this, because I'm guessing back
in the sixties and seventies, you take out a private
loan like you would for anything else, or you simply
the cost to be affordable for a family to pay
out of pocket. That's not true.

Speaker 5 (04:43):
Anymore, No, that's exactly right. And you know, in some states,
particularly a lot of the Southern states, average student loan
that in those states exceeds the yearly earnings of the
average earners there in those states. But you know, Ohio
is actually terrible as well, seventy five billion dollars in

(05:06):
mostly federal student loan debt across the country. And it's
this sort of rampant inflation that just can't be allowed
to continue. Now, we as a group student on Justice
dot Org, we've been pushing probably eighty percent of our
our efforts have been towards getting the right of bankruptcy
returned to these loans, not so that everybody can run

(05:28):
out and file. That won't happen. Nobody wants to foilve
for bankruptcy but rather because bankruptcy serves to constrain the
lending side, it makes it ensures good faith in the
lending relationship. But more, maybe more importantly, it guarantees rational
sort of market based prices. You know, it prevents the

(05:51):
price of the commodity being purchased from getting out of control.
And so if there is even to be a federal
student owned program, I'm going forward, and I'm not sure
the government really is I should be in.

Speaker 6 (06:04):
The lending business at this point.

Speaker 3 (06:06):
Not very good consider consider our federal debt right now.

Speaker 7 (06:09):
Yeah.

Speaker 8 (06:10):
Yeah, but if they are, at a minimum, whatever loans
that they want to use to fund higher education in
this country, they've got to have all the consumer protections,
most notably bankruptcy rights that every.

Speaker 5 (06:24):
Other loan for every other borrower has. We think that's
really the core of the problem. And you know, if
they had returned bankruptcy to student loans back when we
started our group eighteen long years ago, there would be.

Speaker 6 (06:36):
No student loan crisis today.

Speaker 5 (06:39):
The Department of Education in Congress would be very much
more judicious in how much they lend out and maybe
even for what sort of programs.

Speaker 3 (06:51):
Well, I think that's interesting. You bring that by the ways,
Allen Collin, jac president of Student Loan Justice at organ
normally we probably we actually are agreeing on a lot
of stuff here because I hear a student loan justice
and think, well, you know, we're just gonna get free
money away, make college free. That's not really what you're saying.
And I agree on some points there's no way these
young people are generally young people going to be able
to pay these loans back. We're seeing a seventy five

(07:12):
percent default rate that is just catastrophic. But I guess
when I think about bankruptcy, which you're right, it does
keep the lenders in check, going okay, is this a
good risk? But here's what's going to happen, right, And
it's two sides of the same coin. There's gonna be
arguments and going, well, now you're stifling you know, higher
institutions of higher learning and what people are going to

(07:33):
study and career paths and things like that, which I
say good because you know, if the argument is that
if we forgive all this money or make college free,
it results in a better educated population, it's got to
be worth the cost. But it's not because what happens
is you get a whole bunch of students majoring and
I'm sorry bs that the market doesn't value and other

(07:54):
people simply just you know, showing up going out. I
guess I'll go to school because someone else is paying
for it, So if it's for free, it's for me.
And then it doesn't even discount all the ones that
go to college who fail and still have to pay
the loans and drop out for whatever reason. Graduates need
marketable skills going and we know this right now, and
so I think the bankruptcy thing, in a way would
eliminate all these fluffy programs and education in the Ivory Tower.

(08:17):
Allen would have finally have to come around and go, hey,
guess what, we're in a market too. Here, We're not
in a bubble. This is a market economy. Teach the
jobs and teach the skills that people need to make
money to service their loans, and the rest will take
care of itself.

Speaker 5 (08:31):
Yeah, that's right. You know, there's a very good reason
the founders called for bankruptcy ahead of the power to
raise an army and declare war in the Constitution. And
I think this student loan behemoth is precisely the sort
of thing that they wanted to avoid. Yeah, and you know,
we're all.

Speaker 6 (08:48):
For having educated citizenry. And you know, maybe there's a value.

Speaker 5 (08:51):
To a philosophy degree or something that maybe may not
be necessarily marketable, but it's got to be done in
the context of fiscality.

Speaker 3 (09:01):
And well, as I've been saying, don't confuse a hobby
with a career. So if you want to study philosophy,
you can do that in your own time. You don't
need to go to school for it.

Speaker 5 (09:12):
Yeah, you know, it's hard to say what all what
all reform might happen when you know, at least the
accountability that comes with having to contend with bankruptcy laws
will compel, but certainly lower prices, smarter degrees. And I

(09:34):
might also add, you know, the colleges are now it's
taking an average of six.

Speaker 6 (09:37):
Point two years to get a four year degree, and so.

Speaker 5 (09:41):
The colleges have really got to be arranged in And
you know, we're looking at people like Jim Jordan. Quite frankly,
he becomes very important in this whole discussion. He runs
the Judiciary Committee where our bankruptcy legislation is likely to
come from, if it comes from anywhere in the House,
of represent is and so we're hoping very much that

(10:02):
Jim Jordan will look to people like, look to other
Republicans actually.

Speaker 6 (10:06):
Like why not just called for the return.

Speaker 5 (10:09):
Of bankruptcy rights to student loans with a caveat that
the colleges should be held at least somewhat financially accountable
absolutely for bankruptcy discharges. And we think that's exactly the
way go. It's a lot like Dick Durbins bill from
last year as twenty five ninety eight. We think Jim
Jordan could get that sucker passed to the House in

(10:30):
no time on a bipartisan basis, and that would that
would really be the first thing that needed to happen
if we want to see sanity, sanity.

Speaker 6 (10:41):
And you know, fiscal prudence returned to.

Speaker 3 (10:45):
Is I guess because the federal since we federalized student
loans back in the seventies. Though, and okay, I can
file bankruptcy now, but based on the way our government
spends and how much debt we're in right now, Allen,
do they even care? Would they just go, okay, well,
we're not going to really change, you know, this is
not going to make coll just tighten their belt I
mean the private market. Yeah, but we're talking about federally
subsidized student loans here. Do they even care?

Speaker 5 (11:07):
Well, you know, they don't.

Speaker 8 (11:08):
They don't.

Speaker 5 (11:08):
The government does not act, you know, like a business
for example. That's true, but the Department of Education they
guard their nest egg, They guard their agency funding very carefully.
They run the Department of Education as if it were
a business. So you know, one would hope that they
would care, but that sort of remains to be seen.

Speaker 3 (11:32):
Well, here's here's what happens is you yeah, here's a
interrupt a second. Here's what happens as you know though, right,
so we'll get this will go through rest like, Hey,
it makes sense. They're tight to their belts. We're not
going to hand out money for programs that you're not
gonna make a lot of money at, and it's gonna
bring the cut. And then you're gonna hear the cries
from people who are lobbying their lawmakers and saying it's unfair,
it's racist, it's sexist, it's this, it's that, And then lawmakers,

(11:54):
of course will kowtow to that contingent and you know,
break it and it'll probably worse than it was before
they did bankruptcy.

Speaker 6 (12:01):
Well, yeah, that remains a be seen.

Speaker 3 (12:04):
That's the problem with it.

Speaker 5 (12:05):
But generally you can pick a random college funding scheme
out of a hat at this.

Speaker 6 (12:11):
Point and I can almost guarantee.

Speaker 5 (12:13):
You that whatever they get will be far better than
what we have today. So you know, it's it's always
a balancing act with condres. Different spirit interests will have
their say, But at the end of the day, you know,
we can't be financially ruining eighty five percent of the
people who take out student loans and leaving them with

(12:36):
you know, predatory, untaable debt for the rest of their lives.
I mean that does not serve the country.

Speaker 3 (12:41):
Yeah, I mean I look at it and go, well, okay,
mom and dad. In the equation, they should kind of
know better about how much money they're borrowing because you're
old enough to know how that works. But if you're young,
and you're you know, sixteen, seventeen years old, and you're
applying for colleges and it's all all well and good,
you don't have an idea what that's like, what servicing
a loan is. And I think they keep kids financially
ignorant from the beginning for a reason, because at the

(13:03):
end of the day, it's mana from heaven for the
federal government. They're just going to keep getting their money.
How when you can go after mom and dad social
Security because the kid doesn't have a job that's going
to pay anything and can't serve us a loan. I
think that's just speaks volumes about where we are right now.
And the sickening part is, I honestly, I mean outside
of Jim Jordan, as you said, both sides to be

(13:25):
complicit in just basically doing the dirty work for colleges
and universities. It's insane that someone has not called us
out sooner, rather than just going, yeah, we're gonna just
give you free money, and uh, well what about next
year's class? They're gonna want. And once it starts, of course,
once you say we're gonna give forgive loan debt each
twenty three, twenty four, twenty five, twenty six, twenty twenty seven,

(13:47):
every class is gonna want basically a bailout. And if
the idea is we forgive loans to stimulate the economy, well,
I don't know about you. I got a mortgage that'd
be great. Imagine how much money I'd spend on liquor
and hot tubs and strippers and coke.

Speaker 5 (14:01):
Well, I would.

Speaker 6 (14:02):
Actually disagree with you on not so.

Speaker 5 (14:04):
Much what you just said, but sort of the underlying
premise here and that and the important point here that
I haven't brought up yet is the federal government, believe
it or not, the Department of Education, they have been
making a king's ransome in profit on this federal student
loans program, certainly since Obama federalized in twenty ten. You know,

(14:25):
in nineteen sixty five the President LBJ declared that these
student loans would be free of interest. Well today over
one hundred billion dollars a year in interest, really, and
it accrues to the books of the Department of Education.
And so the Department of Education is this is really
a cash cow for the people in Washington. People don't

(14:48):
quite understand how incredibly profitable this thing has been for
the taxpayer.

Speaker 3 (14:54):
And out of that, I mean, think of it. There's
no you know, you can't discharge it, you don't put
a collateral up. They can garnish your wages, they can
go after your mom and dad social Security, they can
do all these horrific things that that you know in
the private sector, you can't do it all al and
all the best. Thanks again.

Speaker 5 (15:11):
Well, it's been about.

Speaker 3 (15:13):
I think almost exactly a year since Biden and is
one of the last gasps of his presidency wave the
magic wind would come to student loans. I haven't heard
a lot in last year with Trump on that one guard.
But the problem is still there, still exists, can be fixed,
but they refuse to address the issue. And it's a problem.
It's a big press as what college looks like is
being changed by AI for example. We'll get a news

(15:35):
update in and more ahead. It's a Scott Sloman Show
on seven hundred WLW My Scott on seven hundred w
WELW short week, Ready for Christmas, winding it down, Ready
to eat some good food and a lot of that.
By good food, I mean food that's not good for you.
A lot of sugar this time here, a lot of candy,
a lot of pie, a lot of cake, all that stuff, cookies,

(15:57):
you name it. I am down for it. Over a
word of the wise here. Nicole Avina joins the show again.
She wrote writes a book called Sugarless about the I
don't know if it's the dangers of sugar, but we
didn't like some sugar from time to time. Nicole, welcome, good.

Speaker 9 (16:11):
Morning, good morning.

Speaker 4 (16:13):
Good when's the.

Speaker 3 (16:14):
Last time you had sugar?

Speaker 9 (16:16):
Well, you know, I have I have to say I
can have it in moderation. I have it, you know now,
and then I have it under control. But I have
very little compared to most Americans.

Speaker 3 (16:27):
I would say, yeah, I'm more of a savory person.
I like the savory stuff I'll have, don't get me wrong,
A good dessert or something like that, or a piece
of candy. But I'm not I'm not a sugar feen.

Speaker 1 (16:36):
Now.

Speaker 3 (16:36):
I have a friend of mine about the same age,
and he has the diet of an eight year old.
He'll drink like three of those blue slushies a day,
and yeah, he's a mess.

Speaker 7 (16:45):
Yeah.

Speaker 9 (16:46):
I think there's a lot of people that sort of
fall into one of either camp right where it's you
have that sweet tooth and you crave it all the time,
or you're more of like a savory chips and cheese
type person.

Speaker 3 (16:56):
He has the you know, if you go to a
hotel and they have these real dispenser it's got three
things and you turn the crank and at ceral comes out,
he's got one of those in front of his TV.

Speaker 8 (17:05):
Oh.

Speaker 9 (17:06):
I think that's definitely the sign of a sugar addict
in one of those devices.

Speaker 1 (17:11):
Yeah.

Speaker 3 (17:11):
I was like, okay, skittles all over the place, Like
it's like Willy Wonka in his basement. It's it's something else.
Some guys have bars. He has unlimited sugar, all right,
And it's why is sugar so easy to I guess
to abuse. I don't want to see abuse. It's not
a fair term because everything in moderation, as you said,
is fine. I'm glad you're not like, oh you can't
had sugar at all ever. I mean, sugar is it's good,

(17:34):
you just can't make it a steady part of your diet.

Speaker 7 (17:37):
Yeah.

Speaker 9 (17:37):
But I think that's really the issue that a lot
of people are struggling with because although we want to
do it in moderation, most of us have a really
hard time doing that because it's so pervated. If you
think about it, you know, everywhere you go in the
grocery store, if you go to restaurants, most of the
dishes that we order when we eat out have sugar
added to them. And so even if you're trying to
cut back, and or even if you don't really have

(17:59):
a big eat tooth and you think you're not eating
a lot of sugar, odds are that you probably are
eating more than what is recommended.

Speaker 7 (18:06):
By the guideline.

Speaker 3 (18:07):
What are the guidelines? I have no idea.

Speaker 9 (18:10):
Well, you know, it's funny because for the longest time,
we did not have government guidelines about sugar. We had
guidelines about everything else in terms of vitamins and you know,
how many calories you should eat to have a healthy diet,
but we didn't have it for sugar. Now we do,
and it's recommended that you have no more than six
to eight teaspoons of sugar a day, which sounds great,
but the problem is the average American has twenty two

(18:32):
teaspoons or sugar a day. So yeah, we're all eating
weight too much of it. And you know, it's not
just about obesity or being overweat. There's so much research
out that's come out. I talk about it in my
new book, Sugar Lists, about how sugar can impact your
physical health. It can also impact your mental health too,
So it's a really good idea to cut back. Even
if you're not struggling with your body weat and.

Speaker 3 (18:53):
I think it's important too. You go, well, wait a minute,
I don't eat a lot of sugary food. How can
I have twenty two teaspoons or tablespoons of a sugar
a day. Well, it's hidden. And so the formula for
really really good food. If you want to make food
taste well, you've got to have savory, you got to
have sweet, you got to have you got to have
a fat, you got to have those things in it,
and tart. Every good dish like wh it's a secret. Agree,

(19:16):
there's probably most people don't use enough acid in their cooking,
like lemon or something like that. But the big one
is sugar. And if you get that balance right between sweet,
fat and salty, you're gonna This is why you can
sit down and get a whole sleeve of oreos and
not be satisfied for that reason. But sugar is a
big and it'shidden in you know, pasta sauces and everything
is sugar in it.

Speaker 9 (19:35):
It does and I think that's really, you know, the
tricky part. So it's really important to take a look
at the nutrition fact labels on the foods that you're purchasing,
and really, you know, look at the ingredients, you'd be surprised.
So many things that you wouldn't expect to see sugar
in you'll find that, you know, sugar's listed as one
of those ingredients. And again, you know, even if you're
thinking that maybe you are consuming too much of it,

(19:57):
it's not about you know, completely cutting it out of
your life. And I really make a point of this
in my new book, because that's just not sustainable, and
you know that's going to set people up for failure.
It's really more about reducing it and doing more to
try to replace it with healthier alternatives so you could
still enjoy the foods and have them, but just without
all that added sugar.

Speaker 3 (20:17):
Yeah, big holidays roll along or occasions whatever, and you
have some sugar, or somebody brings some cookies and you know,
I'll have one. You have a couple, and you know,
you feel great, and then all of a sudden, like
minutes left for me, minutes later, maybe like an hour later.
I want to kill myself. What is that?

Speaker 9 (20:33):
Well, you know what the problem with sugar is is
that it affects our brain in so many strange ways.
It can affect the brain in a way that leads
us to be addicted. It can release dopamat and these
other neuro transmitters, and that's what leads people to crave
it and want more and more of it. But it
also does so many things to mess with our mind.
It causes us to feel guilty after we eat it.

(20:54):
It causes us to have these, you know, rapid spikes
in our blood sugar levels that then lead us to
then have these crash is in our blood sugar levels
that can impact our mood. So when people start to
reduce the sugar in their diet, they really start to
get in touch with those feelings and see that, Wow,
you know, this stuff is really making me feel strange
and act funny when I eat a lot of it.
So if you stay away from it, then you really

(21:16):
can get a better control on what it's doing to
your brain and your body.

Speaker 3 (21:19):
Yeah, what does it do to your Is it more
of a physical thing or a mental thing or is
it both?

Speaker 9 (21:23):
Well, it's both. I mean, you know, when you consume sugar,
it's affecting your blood sugar levels, which then in turn
affects your neurotransmitter levels, and so it's affecting your brain.
And I think you know, we have this physical change
that occurs in response to that, right we react to it.
Our brain tells us, you know, how to react and
how to feel. But there is also this psychological piece

(21:44):
of it too, and I think that goes along with
the fact that you know, it is so pervasive in
our society and it's sort of this forbidden thing in
many ways.

Speaker 4 (21:53):
You know, we know.

Speaker 9 (21:53):
Sugar's bad for us, you know, we shouldn't have too
much of it, and then when we do indulge, we
get that psychologic guilt. And I think this is what
happens with a lot of people who were dieting right
around this time of year. Everybody's you know, trying to
clean up their diet and maybe lose a couple pounds,
like you said in the beginning, Yeah, and you know
you get that guilt if you gave in and you know,
ate that giant slap cake, then you feel bad about it.

(22:15):
You feel like you let yourself down. So that's important
to avoid and I talk about that in my new
book Sugarless, about how you know, you want to change
your relationship with food. You don't want to, you know,
have this unhealthy relationship with the things that we're eating.
It's got to be a healthy dynamic, all.

Speaker 3 (22:29):
Right, Nicole Vina is here. Sugar List is the book,
and it's the big problem for people, and that is
kicking the sugar hat. But if you want to lose weight,
sugar is definitely going to add some hidden calories and
it does a lot. One of the issues that came
up and this is totally wow, it's kind of related.
Now I won't know how to get in this is
we just legalized not long ago for recreational use. Ohio
did recreational marijuana, and the opponents of it to always

(22:53):
talk about how it's a gateway drug. You smoke some weed,
it's gonna next thing you'd be shooting heroin. You get blasts,
you get a cocaine nipple, bumps, everything right, And I
never I think that's a bunch of bunk. And I
basically my counter to this was, well, if that's the case,
if that's the gateway, is the real gateway drug caffeine
or in this case, sugar is sugar gateway drugged other things?

Speaker 9 (23:16):
Absolutely, I think sugar is a gate I think it's
the original gateway drug.

Speaker 3 (23:20):
So right, Halloween comes along the holidays. Whatever you pack
your kid full of candy Easter and they lose their
mind and their mounds off the walls. They're like, wow,
I feel great after each sugar. That's that's a drug.

Speaker 9 (23:33):
Yeah, And you know, we've actually conducted research studies in
my laboratory looking at that, looking at the relationship between
sugar and then behavior later on and proclivity to use
drugs and alcohol. And for sure, if you have experience
with sugar, you're more likely to use drugs for alcohol.
So yeah, I think that's that's really the bigger problem.
It's you know, it's not about recreational marijuana. I think
it's about getting to the root of the problem, which

(23:55):
is sugar. And it starts, you know, in kids when
they're three, four or five years old.

Speaker 3 (23:59):
It's crazy you have a a few years later, you're
doing lines off the near end of a hooker. It's
it's it's a town, it's a slippery slope, nicole, it
sure is.

Speaker 4 (24:08):
It really is, all.

Speaker 3 (24:11):
Right, So sugar, there's just sugar addiction and drug dependency.
And there certainly is a link there too, because you
get that. It's it's that feeling that you wind up getting,
go wow, the sugar high. This is this is really cool,
and then later on you're looking for that maybe in
different ways. So it makes sense. But again, it's it's moderation,
it's tolerance, it's a bunch of other things too. And
we also have a culture in our society too, this

(24:31):
diet culture. You know, there's a gym I drive by,
uh near my house, it's the gym, and then right
next door is like a cookie place, So it's you
can't even get past the gym without being tempted by
by cookies. And I think we have a thing where, hey,
if I work out, I can treat myself to a
cookie or sweets later in the day. And the problem

(24:51):
is you just eat too many of them.

Speaker 9 (24:53):
Yeah, what is that? That's happening where I live in
New Jersey too. I feel like that there must be
something going on with like the planning boards of you
have to put a cookie joint next to the gym,
because I've seen neither myself. Yeah, I think you know,
you're so right that it's sort of part of this
culture of like rewarding ourselves. If we do something good
like workout, right, then we're supposed to reward ourselves with

(25:14):
a cookie. And I think that happens on multiple levels
throughout the day for a lot of people when you
know they do a good job at work, or let's
go out and you know, celebrate by getting ice cream,
if you've got a good grade on your test. You know,
it just happens throughout the day in multiple ways where
people reward themselves with food. And that's fine, But the
problem is, you know, if you're rewarding every little thing

(25:34):
that you do right with food, then that's where people
start to get into problems with you know, health issues, diabetes.

Speaker 7 (25:40):
Being over weed.

Speaker 3 (25:41):
Yeah, yeah, and I in our household, we had to
fight that. I mean, if me and my two brothers
would have stayed at home and lived at home, God
would probably be four thousand pounds by now. My mom
and you know, hey, you're having a bad day, have
a meatball. You're having a good day. Here, have two meatballs.
Gonna be one of those one of those Italian mom situations.
What about withdrawal, We mentioned the connection between sugar is

(26:03):
a gateway drug and a full dependency on sugar later
in life. And like anything that means there's withdrawal symptoms.
We know what it is for other hard street drugs
which are much more serious and sugar certainly, but are
there withdraw symptoms and how do you combat that?

Speaker 7 (26:17):
Yeah?

Speaker 9 (26:17):
Absolutely, And so I think this is one of the
main reasons why people end up going back on sugar
is because of the withdrawal. We see this this time
of year where people say, Okay, I'm going to cut
back on sugar, and then all of a sudden, they
get irritable, and they get lethargic and cranky and crabby,
and you know, maybe they're tired a lot and a
lot of times people will misattribute that and say, oh,

(26:39):
it must be that I have low blood sugar, so
I better eat more sugar so that I can make
sure I don't pass out. Well, the reality is it's withdrawal.
That's what sugar withdrawal looks like. It's you know, these
feelings that are similar to what would happen if you
try to quit smoking cigarettes. That's really been the one
that seems to parallel at most. And again, you know,

(26:59):
it's not going to kill you. You're not going to
you know, die from the withdrawal, but it's uncomfortable, and
you know, a lot of times it's enough for people
to then say you know what, forget it. I'm just
going to have some sugar so I feel better. But
then that starts to pull vicious cycle all over again.
Of you know, Okay, now I'm overeating sugar, and then
I try to quick and I wink to withdrawal, and
then I crave it, and so it's this non stop

(27:21):
cycle that emerges.

Speaker 3 (27:22):
Where are you on artificial sweeteners, That's a good question.

Speaker 9 (27:26):
So I look at them as kind of like the
methadone to heroin, right. I mean, they're better than sugar,
but you don't want to stay on it for the
rest of your life. And so what I usually recommend
is that if you are really struggling to get the
added sugar out of your diet, if you need to
rely on some of these artificial sweeteners or these alternative

(27:47):
sweeteners as a crutch to kind of bridge you away
from it, then that's fine. But the ultimate goal should
really be to reduce the dependence on the sweeteners in
our diet. You know, we don't need to add sugar
to everything we have. Coffee is a perfect example. And
I've been talking about this a lot because I think
about it more and more when I go to a
coffee shop anymore, it's more like going into a sugar shop.

(28:08):
I mean there's more sugar in the store that.

Speaker 7 (28:10):
There is coffee.

Speaker 9 (28:12):
So again, we have to, I think, really just focus
on reducing the dependence on sweetness and think about, you know,
why do we have to have sugar in all these
different things that maybe doesn't really belong there in the
first place.

Speaker 3 (28:22):
Yeah, I got a little cream in my coffee. That's
about it, just to you know, get that little balance
going on. But black is fine too.

Speaker 4 (28:28):
Yeah.

Speaker 3 (28:28):
You know, you go to a place and it's kind
of frightening actually that some of these drinks. I don't
want to vilify any coffee chain, Starbucks, but you go
in there and one of their drinks is the same
number of calories as a big Mac. That's a problem.

Speaker 9 (28:41):
Oh yeah, and they're desserts. I mean, I don't even
know how they can be considered coffees anymore. I mean
they're like literally desserts. I think I could probably find
fewer calories at the ice cream store than I could
from you know, many of these coffee chains. So you
do need to be mindful of that. And the marketing
is a big part of it. I mean they're marketed
as being you know, coffee drinks and you're getting your

(29:02):
energy and getting it through that three pm slump, But
the reality is, you know you're going to hit a
huge crash when that sugar wears off, and it's going
to be compounded by you know the fact that your
craffein's wearing off as well.

Speaker 3 (29:15):
Right, get caffeine and the sugar at the same time.
You put two or three of those down to some
people do a day, and you're talking a full day
amount of calories just in your liquids on top of
everything else. And you wonder why, you know, we're a
little heavy. So uh, people concerned about maybe dropping a
few LB's and getting right as we as. We have
those cycles every year and this would be one of
those cycles. A good idea would be looking at how
much sugar you're getting in your diet. Sugarless is the

(29:37):
name of the book. It's Nicole A.

Speaker 4 (29:38):
Vine.

Speaker 3 (29:38):
I know you have some strategies in there too for
trying to wing yourself off the sugar.

Speaker 9 (29:41):
Right, Yeah, absolutely, I have a whole seven step plan
that talks about how you can figure out where the
sugar is in your diet. Because a lot of people
just don't know right, kind of hidden in many places.
And then also dealing with you know, the cravings. That's
really a big thing. And I think that's a hard
problem for a lot of people because you know, everywhere
we got ads for it all the time. You're you know,

(30:02):
being offered it basically everywhere you go. And so how
do you cope with that? And you know, really just
reevaluating your relationship with food and really just basically retooling
yourself so that you can eat things alike, but just
not have them have so much control over you.

Speaker 3 (30:17):
Yeah, And I think it's the thing. We all have
our food triggers. I guess I'm a savory person, lesson
more than a sweet one. You know, put up pizza
in front of me, I'll kill it. But yeah, you know,
an entire cake or I may have a cupcake, but
I'm going to eat twelve of them. But everyone has
their own triggers. But if here's a sugar Sugar list
is the name of the book, and it's Nicole Avina.
She's a PhD but also a world renowned neuroscientist. So

(30:38):
great having on the show this morning. Thanks for the.

Speaker 6 (30:40):
Info, all right, Thank you.

Speaker 3 (30:42):
Yeah, you lean into it, and then after the holidays
hopefully you're back off unless you've got that elf diet
or everything you eat is sugar. I know people like that.
So there you go. All right, we're winding it down
for twenty twenty five and we'll get news here in
just a few minutes. Traffick other all that just ahead.
Scott's Loan Show seven HLW.

Speaker 1 (31:01):
Do you want to be an americanity?

Speaker 4 (31:12):
Here we go.

Speaker 3 (31:12):
It's a Scott's Loan Show Monday more seven hundred ww.
Here we go from the Big Bengals win yesterday, enjoying life.
What is not to love about this time of the year.
I got something for you because it's all not you know,
happy holidays, even though that's most of the show today.
I don't know if you caught this, but seven on Friday,
Ohio Governor Mike DeWine shockingly line item vetoed a provision

(31:34):
of the state CB law which will now effectively ban
the sale of something a lot of o'hon wands enjoy
and that would be the hemp derived THC beverages that
you can get in bars and restaurants and other similar
products from General e taylers in the state, not necessarily
carry outs and Lifebo're talking about bars, and we're talking
about bars that have spent a fortune to try and

(31:55):
stay alive because the craft industry is fading, anda and
fused beverages of the future, and they've been embraced by
millions of Ohios. And with one stroke with pen, the
governor overrode that and the band means these beverages that
millions and enjoy can no longer be sold in locations
like convenience stores, bars, breweries or general stores. And these
restrictions will take effect in mid March. I cannot believe

(32:18):
that it's come to this. Ohio State Senator Steve Hopman
from Just the Tipsity joining the show this morning on
seven hundred w W Steve, I wish I wish you
a good morning. It doesn't feel like a good morning
based on what feels like a good part of your
life's work here. I mean, you've spent so much time
on Senate Bill fifty six, being the author of it,
and this is like the fifteenth time we've had this
conversation about stuff getting changed.

Speaker 10 (32:40):
Well, you're right now, We're done with it. There's a
couple of House members that have already introduced some other
things that they'd like to see change. But overall it
was a good bill. But unfortunately the governor saw differently
on this one subject.

Speaker 3 (32:58):
Did he explain his reasoning why and please just don't
tell me because it's about the children.

Speaker 10 (33:06):
Yes, So whenever he line item vetos, he has a
you know, the reason for doing it, And basically he
said that there would be confusion because you know in
the bill, you know, we got rid of gummies, different
things like that, especially for children. So we got rid
of that, but then we carved out the beverages until

(33:29):
November because we're following the federal law. And he said
there would be too much confusion with the beverages being
outlawed before the you know, after the other one. So
we're just going to outlaw everything all at once in
ninety days.

Speaker 3 (33:43):
Okay, Well, if it's the federal legislation is the root
cause of these problems, and giving this Congress just banned
certain THT products when you know they reopened the government,
why did we need Why would the governor have to
act more aggressively than federal rock requires rather than just
simply mirroring federal standards.

Speaker 10 (33:59):
Well, I mean in the bill we did because we
in Ohio wanted to get rid of the gummies and
stuff that underage kids were getting. And we were doing
that in ninety days. I'm not sure that there would
be confusion among the consumers, at least for the you know,
over the next year. It would give people to finish

(34:19):
their you know, whatever allotment that they currently have. But
also in the bill, it would allow them to continue
to process. We were at five milligrams, so that was
you know, your six percent, like a six percent beer,
but would allow was going to allow Ryan Geist and

(34:40):
fifty West to process at ten or twenty so that
they could sell out a state, make money, keep people
employed that has gone away in ninety days.

Speaker 5 (34:49):
Also, does the.

Speaker 3 (34:50):
Governor realize how many millions of Ohioans not only enjoy this,
but how many thousands of people of employees? Does he
understand the business dynamic here?

Speaker 10 (34:59):
I you know, that would have to be a question
for him. My understanding in the state of Ohio this
year it is a seventy five million dollar business, mostly
in the craft industries. You know, recently Cores and Anheuser
Busch is starting to get into the industry. But basically

(35:21):
it's a something that you find in the craft.

Speaker 3 (35:25):
Yeah, and as I talked to purveyors of craft beer,
the taste for craft beer has ebbed. I mean, we
hit a peak. Everything has a business cyclist, you know,
Steve Hoffman, and now we're starting to be like the
post you know, select beer kind of thing. A lot
of people still enjoy it. I don't think it's going
to go away, but it's pretty clear that people are

(35:45):
switching to other beverages. Seltzer's are big, and certainly THC
beverages are big too. So my concern is you don't
give people that option. Do they go back to drinking
craft beer? Probably not, They'll find something else. I would
imagine that these breweries aren't selling, doesn't that mean jobs
and some of these breweries closing up?

Speaker 10 (36:02):
I would think so, you know, you know, the statistics
I see is that people under thirty drink more of
the THHC drinks than they do than they do beer.
And you know, seventy five million dollar industry in the
state of Ohio, that seems to be a good number
of jobs that ultimately would be lost. And do they

(36:25):
go to beer or something else or do they just
they want the THCHC effect and do they just start
smoking it?

Speaker 4 (36:34):
Yeah?

Speaker 3 (36:35):
Right, and kind of cut the middle man out entirely.
And you know what, I cringe every time. And you know,
Mike the Wine is a Republican, and I hear about
how Republicans are pro business, pro small business, pro growth,
proll is and they do things like this that completely
lead me scratching my head. Is Mike the Wine turning
his back on what used to be conservative values? There

(36:55):
has always been this way?

Speaker 10 (36:58):
Well, I mean, I again, you need to talk to
him about it, but I think he is more concerned
about safety of people and health of people, and I
believe that's in conflict of of what other people are
thinking that these things do for him.

Speaker 3 (37:16):
Mike the Wine is a lawyer. He's not a physician. You,
Steve Hoffman, are a physician. What's your physician's take on
this stuff? Are people killing themselves when they sip THHD
and fuse beverages?

Speaker 10 (37:28):
You know, I think, like any other intoxicating substances, it's
within reason. So if you're within reason and you're not
going out and driving after taking large quantities of them, No,
I don't think we know the long term health effects
of these things. But you know, the early science says,
you know, it's not that bad. You know, maybe beer

(37:51):
and whiskey in the long term might be even worse
for you, but you know, no real big negative effects
currently known.

Speaker 3 (38:00):
Yeah, that we currently know.

Speaker 7 (38:01):
Now.

Speaker 3 (38:01):
The future is always you know, always changes, science always improves,
and we listen to that science. But at the same time,
I have a definitive right by God to put whatever
it is on why my body. Plenty of people abuse substances, food,
whatever it might be. I mean, you name me something
in the world and I'll find somebody who abuses it.
And you see that all the time in your practice, Steve,
and have to deal with those kinds of things for sure,

(38:22):
And you see the effects of people not taking care
of their bodies and neglecting their health and focusing on
too many vices. And when we say that declined. But
again we all know that today. We know that cigarettes
are carcinogen, We know that smoking is not good for you.
We know about popcorn lung now with vaping and things
like that. But again, you could do things in moderation,
and it's fine to me. It just seems to not

(38:44):
only be left to the adults to make a decision.
Not kids, of course, but adults. And we know what
we put in our bodies. I mean, it's not I
don't think an exaggeration and think, okay, should there be
a I don't know the side. Remember when more liberal
states we're talking about banning the size of sodas, we're
going to talk about regulating the fast food industry and
only being allowed to get McDonald's once a month as

(39:06):
I mean, how far does the government go. I hear
these things, and you know, damnit, I'm a grown person.
I can make an informed decision is what I want
to consume and put in my own body. It should
not be up to the governor with the stroke of
a pen to undermine that. Because I think, in your
opinion on this, Steve, does this at some level go
against the will of the voters. Let's not forget almost
six and ten people supported recreational marijuana and Ohio we

(39:29):
generated over seven hundred million in the first year. At
what point does the legislative modification of a voter approved
citizen and it should have crossed the line from reasonable
regulation and define the clear will of what people want.

Speaker 10 (39:42):
Well, I don't disagree with that a lot of that.
But the beverages had nothing to do with the ballot
initiative because we're talking hemp and the ballot initiative was
strictly concerning marijuana. Yeah so, but you should, within reason,
have the uh the right to do, you know. In
the same for however you feel about tradum. You know,

(40:06):
his pharmacy board last week is going to outlaw that,
and many people feel that is of benefit for their
own health.

Speaker 3 (40:17):
Yeah, let's say. I mean, I don't go the weave
on that, but I think it's an excellent point. Stamfuffman
is is creative. A lot of people know what that is.
I mean I I personally don't use it. I don't
really know anyone that does. It's been around for what's
the substance what's a concern with cretum?

Speaker 10 (40:33):
Creative is something kind of like a t from East
Asia that that many that that people use and they
feel that it helps with anxiety and sleep and a
lot of things that that that the hamp people do.
But in that end, there there's a substance. The intoxicating
substance is known as seven oh H and it is

(40:55):
at a very very low level, so it's really not
thought to be intoxicating. But just like camp they manufacturers
will concentrate seven O H and put a large amount
in there and then makes it dangerous, makes it makes
it intoxicating, and and so that's uh, you know, we're
you know, the pharmacy board is gonna band all of it.

Speaker 3 (41:20):
So but at the same time, we live in a
country where you could get you know, an intoxicating marshroom
tea or so some of those lines where you know,
a tribal ancestors been using that for for eons, right
and seemingly I don't know if there's all effects to
that or not, but for some people they feel that
it's therapeutic.

Speaker 10 (41:40):
I agree. I just you know, it's a scheduled uh
it's not scheduled one, but he wants to make the
scheduled one drugs so we can get rid of it.
But there's no real scientific research, you know, a high
state and you see and other highly academic places aren't
really doing the research or haven't done the research to
tell us this is good for you, and this is

(42:01):
what it's it's you know, this is why it's mad.

Speaker 3 (42:04):
The cat's catch twenty two. It's a schedule one, so
they can't research it. And then they people who made
us schedule one say well there's not research. Yeah, because
you made a schedule one. We can't do research on
something that's that's that controlled. It's simple.

Speaker 10 (42:17):
Yeah. You know, how how about the great news from
Donald Trump last week on marijuana?

Speaker 3 (42:23):
Really good? This is an odd game, isn't it. I
mean you mentioned, okay, yeah, the Sistanist initiative and sixty
percent of people wanting recreacial THC marijuana. You got, Well,
that doesn't this this THHC, the CBD, THHG derivative liquids
and the alcohol well not alcohols but the beverages. It's
not really what the vote. But I get that argument

(42:44):
the same time, it's I think the spirit of it
is going, hey, you know what if I can smoke THC?
What is it that far reach to think that that
would include CBD derived beverages like this? And now that
Trump is doing what he's doing, I think that's even
more against what what Mike Line thanks with this vetout.

Speaker 10 (43:02):
No, I don't, I don't disagree. You know, when when
Trump said that you know, I'm going to speed up
the process of making the marijuana THHC a Scheduled three
drug and Schedule one. It will be great for the
banking industry. We can't you know, can't bank. It's all
cash business in the dispensaries and in everything.

Speaker 7 (43:24):
Uh.

Speaker 10 (43:24):
And it'll provide the ability to do scientific research. And
I am I'm hoping that, uh, the academic institutes in
the state of Ohio will jump on it and be
able to go out and get federal funding to say
marijuana is good for you or it's bad for you,
and let's settle this for you know, what type and
how and what conditions.

Speaker 3 (43:44):
Steve another, by the way, that's the Ohio State Senator
Steve Huffman on the show on seven hundred w OLW.
I'm sure you heard Mike the line shockingly line item
vetoed a provision in our state CBD law. You know,
the the CBD slash THHD infused beverages that a lot
of people enjoy. That's spurned an entire industry that's rapidly
growing as big as a craft bret beer industry. And

(44:05):
it was I think in a few years of clips
that because so many people want this stuff. Mke the
wine ban that in Ohio. So all these companies that
leaned in and invested the small brewers, the rhyin geis
the fifty west of the world and others are no
longer in ninety days going to be able to sell
and produce that stuff. And so six thousand plus people
and so six thousand small businesses alone, by the way, businesses,

(44:26):
not people, but six thousand businesses are no longer going
to be able to compete in the sphere, despite the
massive demand by millions of adult Ohioans that want this stuff.
The other element here too, we had talked about, I
think last time around Steve about protections for housing, employment,
organ donation, stuff like that. Is that been removed by

(44:46):
the governors. That's still in there.

Speaker 10 (44:49):
It's still in there. Basically, those things are things that
mere previous laws. I don't believe there was anything really
new in there. I mean, if you're a smoker, you
can be banned from an organ transplant because of scientific
studies that show that you and so that's why it

(45:12):
was the you know, the organ band is still has
been included in there.

Speaker 3 (45:17):
Is there a connection medically, Steve, between the organ donation
and marijuana. Why would you be excluded.

Speaker 10 (45:22):
From that, if I remember right, the law doesn't say
that you are excluded. It says if there's a scientific basis,
you can be excluded if if they feel hey, look
if if if science shows that if you smoke marijuana
and you get a liver transplant plant, your likelihood of

(45:44):
rejection as higher. If the science is there, then we
should should stick by it. But we shouldn't just totally
get rid of that not based on science.

Speaker 3 (45:56):
Yeah, I mean, if it's science says that you have
a higher rate of not not being able to get
the organ, so it's kind of a waste of that
pressure tree. So I kind of get that element. One
of the thing I saw too was allowing police to
establish probable cause during traffic stops because someone is a
known user of marijuana. Is that still part of this.

Speaker 10 (46:15):
I can't remember, but again I think that was you know,
restated from previously that you know, when we initially did
the medical marijuana law back in twenty sixteen, most of
the drug dogs in the state were became obsolete because
when they smelled marijuana, they would have hit and they

(46:37):
you couldn't tell if it was a legal substance or
an illegal substance or where they derived it from. So
that caused a lot of a lot of trouble. But
you know they if they still have probable cause not
because you're smoking, because they feel you're impaired, they would
be able to do a field sobriety test.

Speaker 3 (46:56):
Yeah, a lot of contradictions here. It just leads one scratching.
There is there any remedy here for manufacturers? And I'll
try to get somebody on maybe from Ryan Guister fifty
West to talk about this later on. Is this fight
completely over to this? In the overturned.

Speaker 10 (47:11):
Well, in the original bill, the House and the Senate
and had an agreement that we would, you know, the
Feds are going to get rid of it in a
year in November twenty six if they change things, that
we would look at that and see because we didn't
have time to put taxes on as regulations in the
whole scheme of things, so we kept the plan was

(47:33):
to keep it till November, so we can re look
at it from that. But from that aspect and see
if Governor DeWine has a different view of it, we
could look at a veto override it would take two
thirds of each each body so there are some things
we could reintroduce this, you know, when there's a new governor.

Speaker 3 (47:56):
Well that won't be long, that won't be much either year,
but still ramping down production, ramping it back up. I
don't know what to tell the six thousand small businesses
out that have invested in this stuff when it was
illegal yesterday, now it's illegal today or ninety days. I
should say, Steve, my head is scratching. You're you're scratching
your head, I'm sure, but we'll leave it at that,
and you have a merry Christmas. Thanks again for a

(48:18):
joining the show and keep us updated and what the
future holds for this.

Speaker 10 (48:21):
Yeah, Merry Christmas to you and your family and all
your listeners.

Speaker 3 (48:24):
You take care of Scott. Thanks against Steve. That's Ohio
State Senator Steve Hoffman from just the Tips city just
north of Dayton and Mike to wine again allegedly pro business.
I don't know how this is pro business, pro pro
consumer because it goes against the face of the hottest
growing beverage. I guess niche in the state right now,

(48:48):
if not the country, for that manner, we don't want
any part of it. Why it's about the children oh
my god. Stop seven hundred w welw. Everyone needs help
every now and then, and it's easier to help us
get our heads right. This is Mental Health Monday with
mental health expert Julie Hettershire. All right, it's hard to
believe that twenty twenty five is coming to a close

(49:11):
and the end of the year calendar. You know, we've
got a lot crammed in there, lots go on, lots
to do, a lot of things to wrap up at
the end of the year.

Speaker 10 (49:19):
You know.

Speaker 3 (49:19):
One of the things we'll talk later is about credit
reports and pulling those look at those, you know, financial
advice Andy Schaeffer tomorrow. Beyond talking about that in one
area though people often don't think about it, and that
is what Julie's here to talk about this morning on
seven hundred WW Julie hat to share our licensed mental
health expert. It's Mental Health Monday on the Scotsland Show. Welcome.
How are you hey?

Speaker 10 (49:41):
I great?

Speaker 11 (49:41):
Thanks?

Speaker 8 (49:41):
Helly?

Speaker 7 (49:42):
You good?

Speaker 3 (49:42):
Ready for the holidays? Ready for the what do you
got gone for the holidays?

Speaker 12 (49:47):
We're having family over on Christmas and then a couple
of days later we're taking off for a week going
someplace warm and beachy.

Speaker 7 (49:52):
It's going to be lovely.

Speaker 3 (49:53):
Oh nice, good time to get away, all right. So
this one weird trick for your mental health would be what.

Speaker 12 (50:01):
Well, this is something that I've been doing for a
few years. I didn't invent it. Lots of people do it,
and it's called sort of a year end life review.
And you know, businesses do year end reviews. You if
you're an employee of a business, you very often get
a performance review annually. But we don't often take a
look at our own lives in a holistic way and
ask ourselves some questions and reflect on what went well

(50:24):
and what didn't go as well over the course of
the year so that we can set ourselves up for
success going into the following year. And I think I've
been doing this about four or five years now, and
I love it. I love the whole process.

Speaker 11 (50:36):
So I thought we could talk about.

Speaker 12 (50:37):
It as a way to close out twenty five and
set ourselves up for success.

Speaker 3 (50:42):
It's like a personal annual self review sort of thing.
You got to tact grow. Most of us, though, tend
to yeah, people like, hey, you know something bad, I
don't want to talk about it, ignore it. But there
are those of us that tend to just focus on
the future because you know, I can't change what happened.
I can learn from it and move forward. I don't
really want to look back. Is that flawed thinking?

Speaker 12 (51:02):
Well, you can learn from it and move forward, but
only if you take the time to reflect on not
only what happened, but what it meant and why it happened,
and how maybe to prevent what you didn't like, and
to optimize for and maximize what you did like. So
if business has just closed out their books at the
end of the year and started fresh the following year

(51:24):
without learning lessons positive or negative from what happened in
the prior year, they wouldn't have the level of success
that they do. If they do a comprehensive review, what
were our hits, what were our this is what went well,
what didn't and why, and move forward from that. So
it's not really dwelling in the past. It's learning from
your year to set yourself up for an even better
year to come.

Speaker 3 (51:45):
All right, So seven point maintenance check. You're like your car,
what do you got?

Speaker 11 (51:49):
Yeah?

Speaker 12 (51:50):
So the first one is and I don't didn't do
this when this article that I we are going to
list in the show notes is one that I really liked.
And the first question that the guy asked is what
did I change my mind about this year? What did
I think I knew, or what did I think was true?
Or what did I think was right.

Speaker 11 (52:08):
That I learned wasn't.

Speaker 12 (52:10):
Because one of the things that we know about mental
well being, both cognitive and emotional into old age is
that cognitive flexibility is really important. Being able to think
something is true and then being able to find evidence
that indicates it's not, being able to consider that evidence
and maybe change your mind. This mental and cognitive flexibility

(52:32):
is really important for emotional well being but also cognitive
health as you enter later into life, and so being
able to take a look at what you believed and
what you might have changed your mind about and how
cognitively flexible you were over the course of the year,
and then also what those changes meant. So you may

(52:54):
have thought A was true, you realize at that point
A is not true for you. I mean, it may
be factually true, but it doesn't work for you anymore.
So you change your mind about it, And what does
that do for you during the rest of the year,
How does that impact your life?

Speaker 11 (53:07):
Going forward.

Speaker 12 (53:08):
So being able to take a look at that is
really important.

Speaker 3 (53:10):
Okay, we're in the post truth world, though, and many
more people would rather be right than finding the truth.

Speaker 12 (53:18):
Well, in that case, then this question may not appeal
to them, but I.

Speaker 11 (53:22):
Look at it.

Speaker 12 (53:23):
I look at it at it as sort of you know,
software updates for your brain. You know, you update your phones,
you update your computer. Things that used to work didn't
work anymore, lands that you tried. So, for example, I
tried to scheduling tactic with some of my clients over
the last couple of months of the year.

Speaker 11 (53:39):
Wasn't a huge hit. Not going to do it anymore.

Speaker 12 (53:42):
Thought it would be. Tried it, it wasn't. I'm not
going to do it anymore. It doesn't have to.

Speaker 11 (53:46):
Be actual facts.

Speaker 12 (53:47):
It can just be I tried this, it didn't work,
I changed my mind. I did something else. But how
cognitively flexible are you?

Speaker 3 (53:53):
Okay? Good?

Speaker 5 (53:54):
Next up?

Speaker 11 (53:56):
What gave you energy?

Speaker 12 (53:58):
What we energy you?

Speaker 11 (54:01):
Whether it's physical energy from.

Speaker 12 (54:03):
Working out, sleeping more, and eating better, whether it's energy
from being with different kinds of people, whether you started
a new hobby or a new project.

Speaker 11 (54:12):
That really really got you juiced. What gave you energy.

Speaker 12 (54:16):
This year and take a look not only at the
thing itself, but sort of a larger theme and see
how you can incorporate more energy promoting things into your
life going forward.

Speaker 11 (54:26):
So, if you did a.

Speaker 12 (54:27):
Home reno project for the first time and you found
you really liked it, are there more things like that
that you can do to create positive, generative, life affirming
energy in your world? And what really got you turned
on and got you juiced this year is another really
good question.

Speaker 3 (54:46):
To ask, gotcha all right that? No, that makes a
lot of sense and find that and then maximize that
for the next year, obviously would be the suggestion there.

Speaker 12 (54:53):
Yes, maximize that for the next year. If being with
certain types of people really work, do more of that?

Speaker 10 (54:59):
Right?

Speaker 8 (54:59):
Good?

Speaker 12 (55:00):
And then and then the flip of that is what
drained your energy? What were the vampires? What sucked your
energy this year? Was it people that you spent time
with certain people? Was it activities or projects that you
were involved in. Was it staying up too late if
we're talking about physical well being, was it staying up
too late? What really sucked your energy this year? And

(55:23):
if you can take a look again at the overall
themes of that, then you can try to minimize those
and optimize for the things that at least or neutral,
if not create energy in your life.

Speaker 3 (55:35):
Okay, yeah, it makes sense. You got a look at
the it's yin and yang understandably, Julie Hatter's here the
term boat anchor. We know a boat anchor is, but
how does it apply to what we're talking about here.

Speaker 12 (55:47):
Well, for all of us, we have some things in
our life that kind of hold us back. They don't
necessarily prevent us from getting where we want to go,
but they make it harder. So, you know, we have
maybe an unsupportive spouse if we're trying to get healthier,
or we have a boss who doesn't really seem to
put our ideas forward. We have to work really hard
to get anywhere with that person. Or we have some

(56:09):
beliefs that seem to hold us back from doing our best,
like women can't be successful, or I shouldn't make too
much money or whatever.

Speaker 11 (56:20):
That can kind of hold us back.

Speaker 12 (56:23):
And so just taking a look at what those things
might be that aren't necessarily preventing you from getting somewhere,
but are making it harder.

Speaker 11 (56:31):
For you to get where you want to go. You
have to work twice as hard to get half as far.
Those are boat anchors, and just kind.

Speaker 12 (56:37):
Of understanding in your own life what those are and
then minimizing, eliminating if you can, or figuring out how
to work around them so that you can maximize your
success and your potential and your happiness in the new
year can be really impactful.

Speaker 11 (56:55):
We tend to look at the.

Speaker 12 (56:56):
Things that stop us, but we don't necessarily tend to
look at the things that flow us down or make
things harder than they ought to be.

Speaker 3 (57:02):
Yeah, because you're dragging that anchor, is what you're doing.
But for many people, isn't that going to be your
career or your job? And what does that mean?

Speaker 12 (57:10):
Well, it might be for sure. And one of the
things that this life review can let you do is
if you are in a career a job that you
really don't like and that really is an energy suck
for you, then you can take a look at maximizing
the positives in other areas of your life to sort
of balance out the negative of the work. I realize

(57:31):
not everybody loves their work like I do, and so
being able to maximize the positives the projects, the hobbies,
the people. The activities, the habits that really build your
energy and build the positivity in your life can work
to offset some of the negativity around maybe your job,
maybe a family situation that you can't get out of,

(57:52):
maybe a health situation that you can't get out of.
I mean, boat anchors can certainly be poor health. That
doesn't prevent you something, but it just makes it harder.
You're in pain or movement is hard. So maximizing the
positive can help offset some of the negative or minimize
the impact of some of the negatives.

Speaker 3 (58:12):
It's mental Health Money and the Scott's Loan Show on
seven hundred WLW. She's July how to share local licensed
mental health therapist and the Personal Annual Review, which very
few people do, and it certainly is it has great appeal.
I think you know you want to be a better
version of yourself in twenty twenty six and you were
twenty five. And there are seven things you should do
if you do your own self analysis mental health analysis,

(58:33):
one being what did I change my mind on this year?
The second one is what created energy? Then what took
my energy away? Number four is what are the boat
anchors in my life? And that brings us to number five.

Speaker 12 (58:45):
Yeah, what could I not do because I was afraid?
What did I want to do but I didn't do?
Because I was afraid?

Speaker 11 (58:52):
For me? That would be skiing.

Speaker 12 (58:54):
Skiing terrifies me. I'd really like to I'd really like
to learn, but I get so freaked out about that.
There's no way I think I'll.

Speaker 3 (59:01):
Ever be able to scary about skiing.

Speaker 12 (59:05):
I can't stop, and stopping is a really important part.

Speaker 3 (59:09):
You can trust me, you can stop. It may not
be pretty, but you can stop yourself.

Speaker 12 (59:18):
It may be a freaking yard sale when I stop,
and I may take others down with me.

Speaker 11 (59:23):
It could be really ugly.

Speaker 3 (59:24):
I'm gonna take you ski and that you know what
I'm gonna let's do that. We should make a play day.
I'm gonna take you ski date.

Speaker 7 (59:30):
All right.

Speaker 3 (59:31):
You've never skied before.

Speaker 11 (59:33):
I have, and I'm really bad.

Speaker 7 (59:34):
At it, all right.

Speaker 3 (59:35):
I haven't scanned.

Speaker 12 (59:36):
You many times and I'm really bad.

Speaker 3 (59:38):
Okay, all right, we may have to do that and
break your fear of that. So I'll go out to
perfect North, all right. So what did I not do?
Because of fear? And a lot of people have move
There's some people that are extremely brave, they'll do anything.
But man, you don't fear. It gets in your head
and that's a huge problem.

Speaker 12 (59:54):
Yeah it is, and you know, you can take a
look at it. I didn't do this thing becau as I
was afraid. What would have been the upsides if I
had done it? What would have been the downsides?

Speaker 11 (01:00:04):
Now that it's.

Speaker 12 (01:00:05):
Past and I'm looking at it in the rear view mirror,
I can maybe take a more clear eyed look at
it and recognize where the fear came from. And fear
comes from being new at something, from not knowing how
to do it, from being inexperienced. Very often, it doesn't
come from being incompetent. It usually comes from being inexperienced
and new, and the only way to get experience is

(01:00:27):
to do things.

Speaker 11 (01:00:28):
So there's a really.

Speaker 12 (01:00:29):
Great book out there called Feel the Fear and Do
It Anyway. I can't remember who wrote it, but it's
a classic. It's been around for a long time, and
it talks about how fear can actually motivate and energize
you to do things if.

Speaker 11 (01:00:40):
You harness it correctly.

Speaker 12 (01:00:41):
But I think taking a look at our year and saying,
what did I not do because I was afraid can
set us up to be braver going into the new
year and to really more clearly analyze the risks and benefits.

Speaker 3 (01:00:55):
Yeah, yeah, and that's true. The fear thing is true,
especially the more of a competitor or someone who's a perfectionist,
because that fear gets in your head and it'll prevent
you from doing things in life that you enjoy. And
that's a whole different matter.

Speaker 11 (01:01:09):
Yeah, it really can.

Speaker 3 (01:01:10):
Yeah. Yeah. Greatest hits and worst missus number six.

Speaker 11 (01:01:14):
Yeah, So I think it's important to take a look.

Speaker 12 (01:01:17):
At what went well, really well, and what didn't go
so well and optimized for what did go well. We
learn as much from analyzing what works as we do
from analyzing what doesn't work, because sometimes we think it
worked and we don't need to pay attention to it,
but oftentimes the reasons why it worked, the ingredients for
the hit are replicable if we understand what they are,

(01:01:39):
so we tend to take apart the missus the things
that didn't work and really analyze those deeply. It's also
important to analyze what did go well and understand why,
so you can do more of what works, which is
a great, great tactic, and it's important to do a balance,
not just look at the things that didn't go well,
because the pessimist tends to do that. Optimists to look

(01:02:00):
at what worked, but take a balanced view what worked
and what didn't, and understand a little bit about why
that is, so that going forward you can optimize for
the positives and minimize the negatives.

Speaker 3 (01:02:11):
All right, So Albert Einstein famous you said, when you
stop learning, you start dying, and that would be number seven.
What did you learn this year?

Speaker 12 (01:02:18):
Yeah? What did you learn? What new thing did you learn?
It might be something you changed your mind about, as
in question one, it might be a whole new thing
you learned. Did you learn to play piano? Did you
learn that you like spicy food when you didn't think
you did. Did you learn how to ski? Maybe that's
me next year with you. But what did you learn
this year? What new thing did you try? What were

(01:02:38):
you willing to be a beginner at? What did you
allow life to surprise you with? What did you learn
this year? Because we really are creatures that are meant
to grow and learn until the day we die, and
oftentimes we get stuck in our bubbles of competence.

Speaker 11 (01:02:54):
We know how to do this.

Speaker 12 (01:02:55):
We know we like this, we know we like to
go there, and we keep doing the same thing over
and over. So did you expand your horizons in any way?
Did you broaden your world and make it bigger and richer?

Speaker 11 (01:03:05):
In any way?

Speaker 12 (01:03:06):
Did you learn something new? And what was that and
what impacts that have on you? And how can you
maybe do more of that going into the future.

Speaker 3 (01:03:15):
Okay, makes sense. Julie Hatter Share a licensed mental health therapist.
Your own personal annual review in your head? What did
you change your mind on this year? What created energy?
What drained your energy? What are the boat anchors in
your life? The things slowing you down? What did you
do because of fear or did not do because of fear?
Greatest hits worth, missus, and what you learned this year.
I'll kind of center around the same theme. But and

(01:03:37):
if you do this, you have a greater direction of
what twenty twenty six is going to look for you.
I appreciate you so much and thanks for joining the
show every Monday all this year, and I look forward
to meeting up with you and maybe skiing in twenty
twenty sixth.

Speaker 11 (01:03:50):
Joly, it sounds great. We'll talk soon.

Speaker 3 (01:03:53):
Take care Merry Christmas. Be well, my friend, let's do
a news update and boor to follow here it's a
Scott's Loan show on the home of the best Bengals coverage,
Big Dub Yesterday, Big Dub's Baby seven hundred WW Cincinnati.
Do you want to.

Speaker 1 (01:04:06):
Be an Americans?

Speaker 3 (01:04:08):
Got flowing seven hundred W A guest the leads the
nation in spam and scam messaging. This guy, Ohio, congratulations
and study just came out and said, we get more
junk mail, more phishing emails, more fake texts or tolls
we never went through and have to pay. It's incredible.

(01:04:29):
I don't know why that is. We're gonna find out.
His name is Brian Cross. Brian lives in the realm
of SMS messaging and he is one of the guys
who follows this stuff on a very very close basis.
And I guess, Brian, I've always said this, first of all, welcome. Secondly,
if we didn't respond to the spam and the scams,
they wouldn't send us as much stuff. It's our fault
because clearly there are people who love junk mail.

Speaker 4 (01:04:52):
You know, That's exactly it. There's there's always the complaint
of junk mail in the mailbox, and you know, the
response always the junk maan would go away if it
didn't work. These marketers have budgets and they've got ROI
numbers to hit, and if a tactic isn't working, they're
the first to stop it. So these things keep coming

(01:05:13):
because they make money.

Speaker 3 (01:05:16):
It's an interesting study though, too, because I'm trying to
think ten thousand ads a day. Do you think that
is six to ten thousand ads a day is with
the typical person faces And you're like, I don't really
see that many. Well, I guess if you included billboards
and radio and television typical broadcast, but then factor in
you know, email, product placement, text messaging, things like that,

(01:05:37):
maybe you're getting close to that mark. But that seems
softly high.

Speaker 4 (01:05:41):
Ten thousand seems very high. I've you know, I've heard
that number in terms of pieces of information things that
we see, but an actual advert something like that, that
does seem a bit high.

Speaker 3 (01:05:55):
Well, there's no doubt about it. You know, most people
don't like this. I guess it would be that one
third of consumers in the service, if sixty six percent
surveyed said they want fewer marketing messages. That means a
third are fine with them out there getting or don't
think they're getting enough, which is driving this whole problem.

Speaker 4 (01:06:11):
Yeah, I'd be curious to break that one down. I've
none of those people are saying I need more.

Speaker 3 (01:06:18):
But well, somebody is responding or clicking on this. I
mean that's the thing with social anyway. If you click,
even accidentally on something, that algorithm is going to force
more of that type of product to your device. And
not only that, it's also going to show them, hey,
we've got to click through here, So that encourages more
of the bad behavior it does.

Speaker 4 (01:06:36):
It does, and marketers have this thing. There's many different
ways called three sixty cults around, sound caught, whatever, but
they're basically starting from a point where they say, hey,
if you know, there's there's information that says the average
consumer makes the buying decision after being touched at least
seven to twelve times, and there I think with gen

(01:06:58):
why now I think that jumps up to like twenty,
So it means I got to talk to you, you
have to see something from me at least seven or
eight times before you even start thinking of buying my products.
So the three sixty the surround sound. You know, you think, okay,
I need to surround the consumer. I need to touch
you with its you know, TV radio, out of home Internet,

(01:07:21):
where do you go like text message there. That's that's
why we're seeing all of this because you know it's
sort of I guess exasperates it, right, It's it's okay,
if Jen why is twenty hits? You know this is
gen Z going to be thirty five hits. So if
the science so that have to touch you that many times,
that's probably going to increase the amount of advertising you

(01:07:42):
see from every brand that is out there.

Speaker 3 (01:07:45):
Yeah, because in order to I guess overwhelm your senses
to put that to the top of your feed, so
to speak, you've got to hit people more with your
message in order to get through it.

Speaker 4 (01:07:56):
You do. Now, that's that's one theory, right. So you
know there's there's there's lots to talk to you know,
disruption and differentiation and things like that. You know, I mean,
every everybody, every marketing school as a slide where you
see like, you know, all these advertising you know, usually
like in Times Square or something like that, but I
mean you see billboard over billboard over billboard over billboard

(01:08:19):
and things like that, and you're taught, Okay, you have
to differentiate from this. Well, everyone's differentiating with quantity. But
one of the things that kind of has been going away.
You think I would say quality, right, so you can
combat quantity. You do quality well, generally quality is a
subjective term, but basically you know some sort of creativity,

(01:08:42):
some sort of risker reward. One of the other problems
that we have in marketing is not just the number,
the sheer number of it, but everyone's doing the same thing.
They all blend together. The reason why it takes eighteen hits,
twenty hits whatever to find somebody is because they all
look the same. Everybody is afraid of losing their job.
CMO have this what I think it's sounded like an

(01:09:04):
eighteen month average tenure at their company. So everybody's following
the data trends. Everybody's following, you know, the best practices.
Everybody's playing it safe. Well, the thing is is if
you go down to the base core of marketing, it
is to differentiate. So if you look like your competitor
and everyone's doing the same thing and doing what data
tells you to do, or gosh. Now, whatever the aipot

(01:09:25):
tells you to do, you look the same. You're not differentiating.
Quite frankly, you're not doing your job. And I think
that that's why the majority of all this marketing that
you're seeing is useless, because it's terrible. It's not the
right stuff.

Speaker 3 (01:09:39):
Yeah, it's retally interesting. I mean, you know, having some
experience in this to Brian and not certainly your level,
but you know you watch I don't know, streaming or
a regular broadcast television, let's say, because you know I
get the the visual. Two is you know every car
ad looks the same. And I always joke about it,
is I just listen. I just need this suv or
this truck to get me through the potholes in Cincinnati.

(01:10:01):
I'm not driving up a mountain. I'm not towing the
Queen Mary, I'm not trying to pull I don't know,
some sort of it looks like a giant steel cover
over the top of a nuclear missile silo or something,
all right, And no one is driving their truck like that.
And you know there's a new one the rendering the
super Bowl, the Jeep one where there's a charging station
on top of a Mountain. Yeah, no one's doing that.

(01:10:24):
So but that's to your point, right, is that somebody
will come up with that idea and everyone will rush
to copy. We've seen I think the diversity thing in
TV and also broadcast too, right, is if you look
at your typical ad now, they're really I think I
think a lot of these says are more diverse than
what the that's reflective of the general population. I know

(01:10:45):
someone may take that in a Dilbert kind of wrong way,
but that's what I'm saying is you just have this
rush to imitate that going Okay, well we need a
lot more diversity, or we need a lot more of
these the same thing over and over and over, and
you just beat the you just beat it to death.

Speaker 4 (01:11:00):
We're taught about authenticity, and we're taught about you know, hey,
if if you really want to consumers to pay attention
to advertising, it needs to provide value. And and a
lot of people scratch their head and they're like, how
does it. How does the advertise that provide value? And sure,
you can do things like hey, here's a you know,
here's a recipe for my you know, liquor brand or

(01:11:20):
whatever that provides value, but you know what what struck
me is is when you were talking about driving the
potholes of Cincinnati, and I was thinking about you know,
if you think about a pizza commercial, right, every pizza
commercial is a slice of pizza being pulled away from
the main pie with this long the cheese pull. So

(01:11:42):
that that's what all these marketers are rushing to. But
there was a key study and a few years ago
where Dominoes basically went and and and and put these
trucks out on the street. You know, obviously branded them
Domino and it was Balos and they were going through
and they were filling in the potholes of people's and
people were like, what the heck is going on here?

(01:12:02):
Then they had a cute little tie in about making
it safer for the pizza if you live at you
faster or whatnot. But they were filling potholes that the
city wasn't. So you talk about providing value and breaking
through clutter and having a bunch of people go, man,
you know when you see Dominoes fixing that potle you
hit every night coming over from work, you you go,
oh that's different, and you remember it, well, it's.

Speaker 3 (01:12:24):
A new one. So speaking of Dominoes is the one
that advertises that they're going to not an all electric,
but they're converting a lot of their cars to electric now,
and I'm not quite sure that trends. I get what
they're doing, and that's trying to appeal to a younger,
environmentally conscious consumer, but I don't know if that's the
right play.

Speaker 4 (01:12:40):
You know.

Speaker 3 (01:12:40):
What I'm saying is like, Okay, well, I just want
my pizza to get their hot and fresh. You know,
I'm assuming that some drivers are electric and some aren't.
But well, why is this why is this part of
a national marketing campign?

Speaker 4 (01:12:51):
Yeah exactly. So, yeah, no, the you're trying to hear
all the things, so that one obviously would be, hey,
let's show that we're you know, conscious mean corporation destroying
the plan.

Speaker 1 (01:13:02):
Right.

Speaker 3 (01:13:02):
So Brian crossing the show. He's a marketing expert with
Elasticity his name of his agency, and we're talking about
a new study coming out two thirds of consumers want
fewer marketing messages. Well know, duh, we're just we're inundated
all the time, and it's working because there's a percentage
that that will click and go through and actually use
the product or service, and that'll drive more of this

(01:13:23):
stuff too. And you know the one I thought would
die by now, and I just thought this morning, the
free newspaper. I live in suburbia, proud suburbanite, where once
a week someone will drive through and throw a I
don't know, some newspaper thin It's just like a big
ad section in my driveway and a bag plastic bag,
which I then promptly pick up and throw on my recycling.
And I do this exercise every week. I'm surprised that's

(01:13:44):
still around.

Speaker 4 (01:13:46):
You know. It's it's the exact same thing as the
direct mail. There is a lot, you know. One of
the things that we do when we bring you know,
you know, new teammates on, you know, the younger employees
right out of college and whatnot, we take them and
sit them in focus groups. And what's interesting is is
they go through school and and even you know, early

(01:14:08):
two three, four years in the industry, they come out
in this bubble thinking everybody does what they do, that's
that the entire country is like them. And they stick
them in in a focus group and they just scratch
their head. They're like what, and we're like, yeah, these
are the people you're marketing to this is this is
what you need to think of. Like not everybody went
to designed school and thinks exactly like, so no for

(01:14:32):
for everyone. And I do the exact same thing, right,
I take it, I lean over, I pick it up,
I put it right into that trash can. But again,
it's the same thing these newspapers. You know, it takes
money for them to you know, write it, print it,
produce it, stick it in the wrappers, stick it on
a van, have that van drive around at four a m.
Throw it around. That all takes money. And I mean

(01:14:54):
they're not doing that just to burn money. They're doing
it because the advertising and the things that paper made
for all of that to happen. So there are enough
people that don't throw it away, that do pick it up,
that love it, and they're like, I want the local news.
This is way better than what I get on the
national CNN, Like I need to know.

Speaker 3 (01:15:12):
Yeah, this is a bad of ads, a bag of ads.
It's not even like a paper, Yeah, it's just ads.
I'm like, well, now I'm going to kick it out
of the plastic wrap, and somebody's looking, and of course
the ones in your mailbox, and I've got a I
think it's a gutter or windows or something. Every week
they send me something, I'm like, wow, that is an
incredible a lout of money in markup that you have

(01:15:33):
to add to the cost of your product in order
to send me these unwanted messages. And it's a lot
easier to just bombard people with the email. And that's
the new frontier, right Brian. And maybe not that new,
but texting now I get probably three or four day now,
and I'm guessing that number is going to grow in
the near future.

Speaker 4 (01:15:50):
It will until the numbers change. So again everything is
when I talk about data driven, some of the data
is good. So you know, we now know that hey
if I it out through email, if if five percent
opened my email, then man, I did good. Ninety percent
of people with with phones they can't have an unread

(01:16:11):
text message like like like if they get a text message,
they have to read it. It's just it's behavior, whereas
people are used to having these big, full fat you know,
email and sys of unread things. So if you if
someone comes and says, hey, if I send a text message,
I have a ninety percent chance of them opening it. Well,
I'm going to use the text message channel until that

(01:16:33):
that that stat changes and that stack comes back to hey,
most text messages are you know, getting bound, getting blocked,
aren't being read. Then they'll start changing their tactics. So yeah,
that number will go up as long as the stats
are people read them.

Speaker 3 (01:16:48):
Yeah, your little balloon pops up says you know, one, two, three,
or four messages and you click on it like other ads,
but you click on it to get rid of that.
Then the alert that tells you how many there are.
I think the phone companies are going to start figuring
that out pretty soon is a way to work around that.
And then in addition, and we have the eight hundred
pound gorilla, which is always and has been now the
automated robo calls.

Speaker 4 (01:17:09):
Right, yeah, uh, there there's a there's an article. I
wish I would have researched this, and I know where
to go this way, but I was one of my
favorite articles I've read, and I'd say the last moth
was a guy there was They were interviewing a man
who you know, because robo calls are illegal now and
with fines of up to I think some of my
fifty thousand per you know instance or something. He's he's

(01:17:31):
made a side business of using that that that law
because these robo calls is aren't following the law. So
you know he's talking about you know, it's a job
like it takes persistence and running papers and knowing the process,
all these things. But apparently this guy makes like something
like twenty twenty five thousand dollars a month in following
up in charging the robo calls that are breaking the laws.

Speaker 3 (01:17:55):
Yeah, we all want to figure out a way to
streamline that. I get that people continue. I think lonely people.
We just want to talk to somebody when the telemarketers call,
which is a sad indictment of our society, but it
kind of ruins for the rest of us. So that's
a getting texted and inundated with all these things. And
then finally too, I look at this and go at
some point, you know, all these cold and personal marketing

(01:18:17):
messages you get get deleted. They're gonna have to fine
tune that, aren't they. I mean, you mentioned the onset
of this thing, Brian, that it's it's the different stuff
that cuts through the clutter. Be a difference maker, make
a change and don't do the same old, same hold
but a lot of these are the same old, samehold
that are getting I don't know, I guess marginal results.

Speaker 4 (01:18:33):
So it'll continue, it will and and that's the fine
line though, right you said the cold and in personal
conversation are the marketing message. Well, if you slip over
the other side, you know, you know, marketing has the
data and the ability to you know, say, hey, Scott,
saw you just bought a glass of red wine at

(01:18:54):
dinner last night. Hey, we were selling bread wine. And
on that line, you have that that creepy like whoa
wait a second, how do you know my name and
what I bought what not. You're always trying to kind
of thread that needle of how do I make it
important to you and personalize to you? So that's not cold,
but not like hey, creepy, you were tracking you a

(01:19:14):
big brother kind of thing. So it's definitely a fine
line to walk there.

Speaker 3 (01:19:18):
He is Brian Cross on the Scott Sloan Show this morning.
Text marketing expert or communication expert. I guess the stuff
that annoys you, Brian, with the news that Ohio leads
the country when it comes to spam scam communications. I
don't know why we're getting hit, maybe because so many
Ohioans apparently like getting that kind of stuff and react
to it all the best. Thanks again for joining the show.

Speaker 4 (01:19:39):
Well, I appreciate you having me. Thank you Mary.

Speaker 3 (01:19:41):
Christmas buddy, have a great holiday. Got to get to
a news update, traffic, weather, all that and what lies
ahead is Christmas here twenty twenty five. Hopefully I have
some good time to sit down and relax and enjoy
your holiday. Scott's Loan Show seven hundred w WELW Money Money,
Scott's Sloan Show on seven hundred WLW. Not too many
more of these left and the show. But Bengals football.

(01:20:02):
Following last week's shutout embarrassment by Baltimore, the Bengals end
a two games stead. They're up to what five and
ten now, of course out of the playoffs. The team
is healthy, they look dominant. They look pretty good for
most of this game. James Rapeat is here with Bengals
Talk dot Com and the Sports Illustrative of course and
Lockdown Bengals Podcast. James, welcome, How are you. I'm doing well.

(01:20:25):
I'm doing well. They look pretty good yesterday. As I
said healthy. You know when they're healthy when you get
tea and you get Jami Joe together, magic things happen.
And if you looked at that, certainly you could always
do the what if game? Uh, you know, if they
stayed healthy this season? What now? Okay, Well that that
didn't happen obviously, although I look at this and go,
I've seen this movie before in previous lives, James and

(01:20:47):
you have as well. In that the Bengals going they
beat Baltimore and then they went out, let's say, their
last two games, and now we're in a you know,
we're on a three game heater right now.

Speaker 5 (01:20:54):
Great.

Speaker 3 (01:20:55):
What scares me about that is front office looks at
it and goes, We're fine, everything's good. We've done that before.
We've done that in previous seasons. Why would this time
be different.

Speaker 7 (01:21:07):
I don't know that it is. And you're right, that's
the scary part because what they may say is, oh,
we're born too with healthy Joe, and we've found a
way to build the momentum, and that momentum can carry
into the offseason, which is completely fallow now. I think
specific players can build momentum for themselves. Teams don't carry

(01:21:28):
momentum to it from one year to another. It's not
how it works. And so yeah, I think that is
the major concern in the thought yesterday as we're starting
to wrap the Dolphins and then you see the schedule
and it's the Cardinals and the Browns who are both
really bad and theoretically you should beat.

Speaker 3 (01:21:51):
Well, theoretically you should be able to be able to
beat them. But again, let's just say they do. What
changes then in the mind.

Speaker 7 (01:21:59):
Of the Blackburn I don't know if there's let's start big,
big picture. I don't think Duke Tobin and Zach Taylor,
I don't think that that is happening. And you go
beyond that. Al Golden, the defensive coordinator. Yeah, his first
year and they've had an up and down year, but
that Zach Taylor Scott and I know he believes in

(01:22:21):
now and so for keeping Zach, I always thought you're
keeping up, and so I don't think that they're going
to let out go. And so then what change do
you want, like what major changes? You know, maybe you're saying,
all right, you want them to add more scouts, which
sounds great to me, or you want them to do
organizational structural changes like that, and maybe some of that

(01:22:43):
could happen. But from a coaching staff standpoint or a
Duke Tobin standpoint, which those are the two areas that
fans are frustrated with and calling for change. I just
don't think you're going to see it, because you're right.
I think they have a good shot to win these
next two games, and even if they split that, I
don't think Zach Taylor was necessarily in danger.

Speaker 3 (01:23:04):
I don't see that either, simply because they don't like
to pay someone for not playing for them or not
working for them mean part of the organization. They're extremely
loyal to a fault, and I contend you knowose people.
There's billboards up fire, Duke fire Zach. Okay, great, you
could bring in I don't know. You could bring Bill
Belichick in, You could bring Bill Cower in, You could
bring in George Hallis. You can bring in Hall of

(01:23:25):
Fame coaches if you want to. But the problem, to
me and I think most fans, it's above them. It
doesn't matter the coaching, it's the front office. And yeah,
you've added more pieces to your scouting staff. Still, the
smalle Cy NFL, they tend to be a pound foolish
penny wise. But unless that attitude changes, it really doesn't

(01:23:45):
matter who the coach and GM are. I mean, could
Duke Tobin do his job if he had more tools?
He says no. But like Zach being the spokesperson for
the entire organization, if it continues to be that way,
it doesn't really matter who you bring in. Am I right?

Speaker 7 (01:24:00):
I think to a degree, yeah, I think to a degree.
It's at the same time I do things that certain
things could change and matter, And the identity of the
team and the players is as much as you put
it on ownership, it certainly would be the head coach
and you take the identity, and I think Zach would say, hey,

(01:24:22):
we know what we need to do to get back
to where we need to go. And I don't think
they feel like that they're internally that they're super far
off from doing that. Obviously part of that is Joe's health.
But what I would say is you need to be
able to find a way where Joe Burrow misses nine
teams that the season doesn't just go completely down the drains. Yeah,
And they would push back and say, well, that's our

(01:24:44):
franchise quarterback, and it's really hard to win without your
franchise quarter Fine, I am not saying it's not hard
hard to win a super Bowl too, but that's the standard.
And so yeah, I think the entire organization should be
looking at itself right now because Joe Burrow had missed
the playoffs for three straight years and that should be
damn near impossible, and yet they pulled that off. And yeah,

(01:25:08):
twenty twenty three was the one that I'll give them
them all against for, but this year I don't, and
certainly last year whinjo without the.

Speaker 3 (01:25:14):
Yeah it's a down or trae director, you know, the
AFC Championship appearance of Super Bowl appearance wre awhile pass
that after three seasons something monument has to change. Nonetheless,
let's not overshadow we win yesterday against a division rival
in the Baltimore Ravens or Baltimore is Baltimore the week
before they got got destroyed by them and ending the
two game skit obviously five and ten. Now for the Bengals,

(01:25:35):
Dolphins are a terrible team. Two it gets benched in
favor of a rookie. Bengals had a at third quarter
was unbelievable. Three takeaways a fourth down stop in the
third quarter set up the offense for the forty five
to twenty one win Ki, And you know, I watch
that game and I went, well, that was kind of
an unremarkable first half. I mean, Bengals on the first
drive in Miami with a fumble caused by Battle and

(01:25:57):
Miles Murphy scoops the ball up. Barrett Carter in her
have some of the Dolphins next drive. Dolphins had a
lot of big plays in the first and somewhat in
the second half against the Bengals.

Speaker 7 (01:26:07):
Yeah, and they did, and it did feel like at
one point it was going to be a shootout. And
the Bengals go down, they score and take a lead,
and then Devin Chan has his huge run where Geno
Stone and you mentioned we only have a few games
left of this, we better have only a few games.
I think the I mean he's right in front of

(01:26:30):
Devin Chan and he doesn't even get a finger on no,
I don't think, goes off and scores a really long
touchdown and you're like, all right, well, this is going
to be a shootout. And obviously the Dolphins took the
lead later in the half, but this this defense, they
were opportunistic and they force the fumble and then they
bat the ball up and it gets intercepted. And that's

(01:26:51):
usually what happens when you're facing a rookie quarterback, a
late round rookie quarterback making its first start, is you
can force a couple of turn on. So that's a
game they should have won. When you have Joe Burrow
and you have Jamar and t and you have your
fallout and the weapons and a defense that has shown
as bad as they've been this year, they've shown that
they can force turnovers in tee times and they did that.

(01:27:16):
I mean, it was a crazy third quarter where the
game just completely gets away from Miami. Yeah.

Speaker 3 (01:27:20):
I've never seen a melt down well, I mean Bengals
opponent melt down lock that. Bengals have had plenty of
that these days. And for sure, oh my god, it's
good to say another the other team, the opponent actually
had that. App James Rapeen from Bengals Talk dot Com
and Lockdown Bengals podcast, chopping up the win yesterday, get
right game for the Bengals. Certainly it looked on weak spots.

(01:27:41):
You mentioned Genostone. He and all intensive purpose should not
be in the league now. He shouldn't be on the
team next season. If you're to restructure that defense next year.
Who stays? Who do you like? DJ Turner? Obviously, Miles
Murphy has surprisingly turned his game around. Shamar Stewart. I
think the sample size is a rookie is just too small.
With the injuries and the holdout and all the other stuff.

(01:28:02):
You got to give them a little bit of time.
But other than that, can you think of people who
would be necessary and vital to building around on the
defense for twenty twenty six?

Speaker 7 (01:28:12):
Oh it's tough, Like right.

Speaker 4 (01:28:17):
I'll just go to it.

Speaker 7 (01:28:19):
It's such a short list because I think that they're
going to build around their young linebackers. But I'm not
sure those guys are going to start next year. I
just think they have three years left on their deal.
Miles Murphy, I think has become a building block piece,
But that doesn't mean you don't need another edge rusher
like you still do, right, And that's what's really tough
here is outside of Corner, And I feel pretty good
about Corner. I think Dax Zille and DJ Turner, he

(01:28:41):
saw Jalen Davis, Benball, but Dak Vielle and DJ Corner
DJ Turner, I think those are two real building blocks.
Jordan Battle I think he can start for you in
his final year of his rookie rookie deal. Gino Stone
has played his way out of Cincinnati. I would not
I wouldn't have him play on Sunday this week, to
be honest with you, I would try to get a

(01:29:03):
look at some of these young defensive linemen. Obviously, he
tells Famar Stewart out there, you need to get him
as many looks as you can, m Kimley Jackson, as
many looks as you can, just to see if there's
anything there. But you're talking about all three levels. You're
going to need to invest in your defensive line room
and tactical linebacker and safety. And you still can use

(01:29:24):
another corner, There's no doubt about it. So there's a
lot of work to be done in my mind, specifically
in free agency where you go get proven talent that
can fill some of those needs.

Speaker 3 (01:29:35):
Yeah, and they did have a quarter for sure. I
mean at halftime, I'm watching them interview Zach Taylor for
the three questions he gets, and one of is he
responded saying, you know, if we could win the turnover
battle and sure enough to go out and get four
just in the third quarter, alone. That was absolutely remarkable.
Talk about calling your shot on the other side of
the ball. Though offensively, Joe Burrow had the worst performance

(01:29:58):
of his career last week against Baltimore. This week twenty
five or thirty two, three hundred nine yards, four tds.
He has surpassed twenty thousand career passing yards and one
hundred and fifty touchdown passes. And they pulled him after
Cincinnati was up by thirty one. That's a great comeback
game for QB one.

Speaker 7 (01:30:16):
Yeah, it is, it is, and he's that's what you expect.
Like I went and I was thinking about it going
into the game, and certainly when I was driving to
the game, and I'm like, man, I think Joe's just
gonna play really well to it. Yeah, Like it's it's
study out, it's Miami, and it kind of resets you.
And he's playing against the team that he should be

(01:30:37):
able to dispect and bounce back against, and he did that. Now,
he was aided by some short fields, but you look
at it as one forty six and a half quarterback
graating passer rating is the second best of his career,
and the four touchdowns, it just seemed like he got
whatever he needed to, and early on it was t Higgins,
and then it evolved into Jamar Chase, and then it

(01:31:00):
was Chase Brown and andre Yosabash made a big play,
and Drew Sample made some big plays, and then it
was Nike get sticky with the touchdown and he just
was able to spread the ball out. And so I
the one takeaway I had from yesterday from a Joe
Burrow perspective is it was just, at least for me,
if I was in the organization, it would just remind

(01:31:20):
you how close you can be when you have a
franchise quarterback and all star quarterback like that, and how
desperate and bad you look when you don't. Yeah, And
so to me it should remind them that they need
to be very aggressive this offseason. But you know, I'm
not damn and they're not me, right exactly exactly.

Speaker 3 (01:31:42):
Chase Brown twelve carries, sixty six yards then and a touchdown.
By the way, as a receiver, just four catches forty
three and two touchdowns. That was a huge performance by
the feature back. What three of those scores came in
just over I think seven minutes of game time. Those
of us rushing and receiving scores and you see that,
you go, wow, why can't we have that nice thing

(01:32:02):
all the time? And then you know, next two games
maybe he rushes for inal fifty yards. I just I
can't figure it out.

Speaker 7 (01:32:09):
Yeah, it's it is tough. I'll say this. I think
the past two weeks, the Buffalo game, I felt like
it was all snow and that was the issue. Last week,
the offense was just so bad it was hard for
me to put it on Chase. But he definitely has

(01:32:30):
shown the series well over the twel hundred yards from
scrimmage that last year and at the end of last season,
wasn't a fluke. I mean the juke he put on
that Dolphins defender in the third quarter when it's seventeen
fourteen after catching the ball out of the backfield and
I use number twenty. I forget exactly what which Dolphin's
depender was, but to score the touchdown like that's special,

(01:32:52):
Like that's that's a really high level play. And we've
seen that where he just continues to rack u one
hundred plus yards from scrim to China from I do
think he's a building block and it's gonna be interesting
because he's going into a sports season and end of
his rookie contract next year? Is that a guy they
tried to get ahead of with a team friendly deal.

(01:33:14):
Do they draft a running back instead? I know everyone's
focused on the defense. They're gonna have to spend some
draft butts on offense to either start building the replacements
Andre Joselvashkaian last year, next season, you know, like they
start to do that now, and and so I do
wonder what they'll do with a guy like Chase Brown
has clearly been productive.

Speaker 3 (01:33:34):
Yeah, James Rapine, We've got two games up, both home games,
so the road trips are over way to end in Miami.
Well of the sunshine. It's nice and maybe that was
the happy juice that Joe Borroniti. You see some fight
him and d to quit tripping and just focus on
the game. Home games against Arizona, they're fighting for a spot. Cleveland,
of course, is out of it, and there are many
in Cincinnati, and I think some people, even in the

(01:33:55):
media and influencers, that think the Bengals should tank it
in order to get a better draft. I don't think
football's ever worked that way, nor should it work that way.
And not only that, even if you did and the
lost three instead of one three. What does that move
you up a couple spots.

Speaker 7 (01:34:09):
Yeah, if they lost yesterday, the eighth instead of ninth. Late. Now,
if they win the next two, there's a decent chance
that they they dropped to the twelfth, the fourteenth pick
like in that range. I think is realistic to expect.
I did it. I do. I think it's It's really

(01:34:30):
tough because you want to see Joe Burrow play football,
and if he plays like he did yesterday, then that
you live with it. But at the same time, they
do need talent, man, and the earlier you pick, it's
not just the first round. The earlier you pick in
the first round, the earlier you pick in the second
fourth different And so that is I'm not telling fans

(01:34:54):
that they need to worry about that or should worry
about that, because that's not their job. That is my job.
So I do think about it. The good news is
is their draft position was completely unchanged. They went into
yesterday picking ninth, they're still picking ninth. I think if
they win the final two, they'll be in the uh
the low double digit, somewhere in the ten to fourteen.

Speaker 3 (01:35:12):
RAS gotcham uh James rapine. Let's catch up off this
week obviously, but double catch up and do a post
mortem on the season. What do you say after that
Cleveland home game? Yeah, but it's it's over. It's over.
There is no postseason. Hey, Merry Christmas, buddy, enjoy your time.

Speaker 7 (01:35:26):
Off, Mary Christmas. Time off.

Speaker 3 (01:35:30):
You got time off? Come on, you show up, you
watch a football game, you write a couple of words,
that's like four hours. That's like seven hours of work coming.

Speaker 7 (01:35:39):
I'm off.

Speaker 3 (01:35:40):
There's no time YouTube, buddy, Thanks again, I appreciate you.
Merry Christmas. James repeat, talk about just just diminishing what
he does for a living. Got to get to news
and Willie on the way. Scott Sloan Hope the Best
Bengals covered seven hundred w ol thebody since now