Born on this day!! Actor Loretta Swit is 85. Singer Harry Elston of Friends of Distinction is 84. Singer Delbert McClinton is 82. Actor Ivonne Coll (“Jane the Virgin”) is 75. Singer-guitarist Chris Difford of Squeeze is 68. Country singer Kim Forester of the Forester Sisters is 62. Actor Kathy Griffin is 62. Actor Ralph Macchio is 61. “Survivor” host Jeff Probst is 61. Saxophonist Tim Burton of The Mighty Mighty Bosstones is 59. Actor Matthew McConaughey is 53. Rapper-producer Sean “Diddy” Combs is 53. TV personality Bethenny Frankel (“Bethenny,” ″Real Housewives of New York”) is 52. Actor Anthony Ruivivar (“Marvel’s Avengers Assemble,” “Third Watch”) is 52. Jazz singer Gregory Porter is 51. Singer Shawn Rivera of Az Yet is 51. Actor Heather Tom (“Bold and the Beautiful,” ″One Life To Live”) is 47. Celebrity chef Curtis Stone is 47. Actor Emme Rylan (“General Hospital”) is 42.
THIS DAY IN GENIUS HISTORY
1842 – Abraham Lincoln married Mary Todd in Springfield, Ill.
1880 – James and John Ritty of Dayton, Ohio, patented the first cash register.
1922 – Howard Carter discovered the tomb of Tutankhamen in Egypt.
1924 – Nellie T. Ross of Wyoming was elected the nation’s first woman governor, to serve out the term of her husband who died in office.
1956 – Russian troops attacked Budapest and crushed the Hungarian revolt under Premier Imre Nagy.
1979 – The American embassy in Tehran, Iran, was seized by militants and 90 Americans were taken hostage.
1995 – Israeli Prime Minister, and Nobel Laureate, Yitzhak Rabin, was assassinated by a right-wing Israeli.
2008 – Democratic senator Barack Obama wins the presidential election against Sen. John McCain, taking 338 electoral votes to McCain’s 161. Obama becomes the first African American to be elected president of the United States.
Today Is: Fountain Pen Day, International Cake Day, Love Your Lawyer Day, National Jersey Friday, National Chicken Lady Day, National Candy Day, National Easy-Bake Oven Day, National Medical Science Liaison Awareness & Appreciation Day, National Professional Paint Contractors Day, Use Your Common Sense Day
TODAY ON TV!
Primetime TV (All Times Eastern)
CBS – 8:00 – SWAT / 9:00 – Fire Country / 10:00 – Blue Bloods
NBC – 8:00 – Lopez v Lopez / 8:30 – Young Rock / 9:00 – Dateline NBC
ABC – 8:00 – 2020 Presents / 9:00 – 2020
FOX – 8:00 – World Series If Necessary
CW – 8:00 – Penn and Teller / 9:00 – Whose Line Is It?
TV Talk Shows
Jimmy Fallon: Mariah Carey, Marcus Mumford, Monica Martin
The Talk: Rainn Wilson, Melissa Claire Egan
Live with Kelly and Ryan: Evan Rachel Wood
Drew Barrymore: Daniel Radcliffe, Lake Bell, Pilar Valdes, Samah Dada
Jennifer Hudson: Chaka Khan
WHAT ARE YOU TALKIN’ ABOUT? Here are today’s PPM-Friendly Topics!
QUESTION: Hey, could anyone use $1.5 BILLION??? That’s the projected jackpot (could go higher) in tomorrow’s POWERBALL DRAWING!!!! Highest jackpot ever!!
QUESTION: Trying to think of a name for YOUR baby?? Then you’ll want this list of the 50 MOST BEAUTIFUL BABY NAMES… and it’s NACK UP BY SCIENCE!!!!!??????
QUESTION: Heard of “Man-Boobs??” How about “Butt Cleavage?” Here’s a Tik-Tok’er who has to defend her tummy… because it LOOKS LIKE A FRONT BUTT!!!!!
QUESTION: How do you know that Nick Cannon is now expecting BABY NUMBER ELEVEN?? His baby mama Alyssa Scott just shared a NAKED BUMP SHOT!!!!!!!!!!!
QUESTION: Is it too late to SHUT THE HELL UP?? Kanye West is about to find out, as he announces a 30-day “fast” from sex, porn, alcohol and SPEAKING!! (Just think first)
New York Attorney General Letitia James has secured a $30.5 million settlement from CBS after an investigation found that its senior leadership had concealed from the public, shareholders and regulators sexual assault allegations lodged against the network’s former president and chief executive Leslie Moonves. The agreement announced Wednesday states CBS is required to pay $28 million and Moonves is required to pay the remaining $2.5 million, which will also go to CBS shareholders. The settlement agreement follows an investigation conducted by James’ office that found Moonves and CBS attempted to conceal several sexual assault complaints made against the chief executive knowing that if they came to light he would lose his job, which would affect the company’s bottomline knowing that he’d be difficult to replace. Moonves resigned from CBS in Sept. 9, 2018, after several women accused him of sexual assault and harassment over three decades. According to a 37-page report by Jame’s office, prior to him stepping down, Moonves and CBS worked to conceal the allegations against him staring Nov. 10, 2017, when an unidentified women walked into the Hollywood Division of the Los Angeles Police Department to file a report accusing Moonves of sexually abusing her and workplace retaliation in the 1980s. That night, a commanding officer of the division contacted an executive at CBS to inform them of the allegation. The officer then shared the unredacted police report of the allegation with the executive who then shared it with Moonves and other CBS executives.
******Surprised she had time to do this, since she spends her entire life focused on Trump!!!
********We just have find memories of Les Moonves sending out videos where talks about the “Zero Tolerance” policy for sexual harassment at CBS!!!
******Once again: it’s not the crime, it’s the cover-up!!
Dobby the House Elf quickly became a fan favorite among “Harry Potter” fans. When the beloved character died in “Harry Potter and the Deathly Hallows: Part 1,” the spot where his death scene was shot became a destination for fans from around the world. One popular item that is left by fans at the character’s grave is socks. Socks were a significant part of Dobby’s story in the “Harry Potter” books by J.K. Rowling and movies. When a house elf is given a sock by their master, it means that they are free. The memorial made for Dobby by fans where the death scene was shot is located on Freshwater West Beach in Pembrokeshire, Wales. Many fans have visited the site from the popular movie franchise and have left items like painted rocks around the grave. Fans have also left socks at the spot, which have become a wildlife issue. Welsh officials have said they will leave the memorial where it stands, as long as fans stop leaving gifts at the location. “The memorial to Dobby will remain at Freshwater West in the immediate term for people to enjoy,” the National Trust Wales said in a statement. “The Trust is asking visitors to only take photos when visiting the memorial to help protect the wider landscape.” “Items like socks, trinkets, and paint chips from painted pebbles could enter the marine environment and food chain and put wildlife at risk,” they continued.
*********It “socks” to be Dobby!!!
******Ever been to a spot where tourists leave stuff behind? Jim Morrison’s grave in Paris is covered with joints and Jack Daniels bottles!!
King Charles was attached to his childhood teddy bear well into adulthood, according to a new book. In the biography “The King: The Life of Charles III,” out Nov. 8, Christopher Andersen writes that the now-king’s former trusted valet, Michael Fawcett, was in charge of caring for the stuffed animal — when Charles was in his forties. Anytime the toy needed mending, the royal’s former nanny Mabel Anderson was brought out of retirement to make the necessary repairs. Valet Fawcett was also in charge of squeezing toothpaste onto the then-Prince of Wales’ monogrammed toothbrush, shaving his face, helping him put on trousers and lacing up his shoes. He laid out the royal’s pajamas and turned down his bed nightly. The gardening staff at Charles’ Highgrove estate were expected to live up to his exacting standards as well. The head gardener, Andersen writes, woke up every day to a list of “instructions and complaints written by his boss in red ink.” The then-prince would stand on his porch and, if not happy with the job being done by landscapers, allegedly bark orders at them through a green megaphone. Charles had very specific requirements when it came to breakfast, according to the book. A former servant reveals in the book that Charles’ breakfast tray had to “contain a cup and saucer to the right with a silver spoon pointing outward at an angle of five o’clock. Butter must come in three balls and be chilled. The royal toast is always in a silver rack, never on a plate,” Andersen writes. “Assorted jams, jellies, marmalades, and honey are served on a separate silver tray.”
********He’s had a tough life!!!
******He should remember what happened to Marie Antoinette!!!
*****Any guy who prefers his Teddy Bear to Princess Di.. deserves what he gets!!!
Marlo Thomas issued an apology after upsetting many people by body-shaming Sherri Shepherd on her own talk show. “I am so sorry about that,” she said on “Good Day New York” Thursday. “I mean, I love her, and I thought I was giving a compliment. I said, ‘Wow, you’ve really lost weight!’ but I realized you’re not supposed to do that.” Thomas also noted that she has “learned [her] lesson” and will “never do it again.” “I’m never going to tell you how good you look. Never,” she told Fox 5 anchor Rosanna Scotto with a laugh. Thomas was criticized earlier this week by Shepherd’s “Sherri” staffers, who thought she was out of line for addressing the former “View” co-host’s weight loss on air. “I interviewed you for my AOL show [‘Mondays with Marlo’],” the “A Magical Christmas Village” star recalled during her guest segment Tuesday, adding, “and you used to be a big woman!” One insider told us, “Sherri was a good sport, but people [at the show] are very protective of her. People were not happy that she fat-shamed her on national TV. It was like a slap in the face.”
********Did you see Marlo??? Somebody must have slapped HER face!!!
*****There is a limit on how much plastic surgery you can do before everything collapses!!
*******The best way to avoid criticism is to just shut up and never talk to anyone about anything!!!
A $20 million copyright-infringement case filed by a Mississippi songwriter against Mariah Carey and her songwriting partner on the 1994 holiday classic and recurring chart-topper “All I Want for Christmas Is You” has been dropped. Andy Stone initially filed the lawsuit against Carey and her co-writer Walter Afanasieff in June but pulled his claim against Carey on Tuesday. Stone was seeking damages of no less than $20 million for alleged copyright infringement pertaining solely to the song’s matching titles, according to a report by Rolling Stone. In his original lawsuit, Stone said he recorded and released a song titled ‘All I Want For Christmas Is You’ under the moniker Vince Vance And The Valiants in 1989. His accusation called out the artist and her co-writer for willfully infringing his copyright of the song (he claimed they had made a “derivative” version of his song) and unjustly profiting from the track ever since. He also argued that the co-songwriters were aware of Stone’s 1989 track because it had “extensive airplay” during the 1993 Christmas season. Stone’s attorneys voluntarily dismissed the case, meaning the plaintiff can refile the suit in the future.
*********Have you heard the other song?? TAKE A LISTEN HERE!!!
********We’re having a tough time hearing the “derivation!!”
*******This guy should take a chill pill!!! Mariah could crush him with her purse!!!
(Actually his song is derivative of THIS oldie gen my the Duprees!! LISTEN!!)
Ripping The Tabloids (Throughout the week, we’ll give you the stories from that weeks tabs!)
**Please Credit Publication!
Loose Talk-(Us Weekly)
“I think people who aren’t smiling when everything’s worked out are kind of lame. I think you should be smiling when things worked out.”-On living his dream life, George Clooney.
“It’s three weeks on and then sometimes six to nine weeks off. It’s really easy to become fat Elvis
in between.”-On having downtime during her Las Vegas residency, Katy Perry.
“I remember saying something stupid to [director] Tim Burton. I said, ‘You know I can’t understand
any man who would wear his underpants outside his trousers.’”-Revealing the comment he
believes cost him the lead in 1989’s Batman, Pierce Brosnan.
Zoo Wants Help Naming Lion Cubs
The Oklahoma City Zoo is asking for the public’s help to name a quartet of lion cubs recently born there. The zoo said 7-year-old African lioness Dunia gave birth Sept. 26 to her first litter of cubs — three females and a male. The zoo is now asking the public to help choose names for the cubs from three groups of names chosen by the lion care team. The first group of names is Neema, Zahara and Makena for the females and Mshango for the male. The second is Nyasi, Mlima and Mti for the females and Mwamba for the male. The third group is Ada, Alva and Talimena for the females and Shawnee for the male. The public can vote for their favorite group of names once a day until Monday.
********Hey, we’ve got it!! John, Paula, Georgette and Ringa!!!!
Mysterious Light Solved
A mysterious purple light in the California sky sparked speculation of UFOs and other phenomenon on social media, but turned out to be part of a victory celebration for the Sacramento Kings. Social media users in Sacramento reported a purple light in the sky on Halloween night, and some speculated the cause of the illumination could be from something out of this world, but the answer turned out to be something quite terrestrial. A representative for the Sacramento Kings said the purple light was the team’s “Victory Beam,” celebrating the team’s victory over the Charlotte Hornets. The game was played in Charlotte, but the team celebrated by projecting the vertical beam of light into the sky over Sacramento. See the video HERE.
**********Things are little edgy right now!! They could have started a nuclear war!!!!!
Florida Woman Gets In Sex Toy Fight
A Florida woman is behind bars after a struggle over a sex toy apparently went way too far. Deputies said they responded to a call in St. Lucie County on Saturday morning. According to the police report, a man told deputies he had an argument with Chelsea White, 34, over a sex toy he owned. The man said he asked White to return the toy, but that she refused. The man said he then grabbed a purse which contained the toy, and began to struggle with White over the bag. He then claimed White began biting him after they fell on a couch during the fight. He said, “he punched White to make her stop biting him.” Deputies said White suffered a bruised left cheek and busted inside lip. During questioning, White claimed the victim started it all, and that she kicked and bit him to get him away from her. Deputies said they determined White was the primary aggressor and placed her under arrest.
*********Maybe that’s just how they play!! You never know!!
****Cops were confused when the “sex toy” turned out to me made of Legos!!!!
Unhappy Florida Man Returns To Rob Store
A Florida man who had a dispute over change with a convenience store cashier returned with his five pals and stole $8,000 in a caught-on-video beating and robbery, authorities said Wednesday. The strong-arm robbery happened just before 6 p.m. Monday at Tony’s Market in Deerfield Beach, the Broward County Sheriff’s Office said. An adult male wearing a white tank top and black pants was trying to buy a black and purple Dutch cigar when he became “unhappy with the change he received” and engaged in a verbal altercation with the cashier, according to investigators. The suspect left the store but returned moments later with five others. Surveillance video shows the suspect jumping over the counter and grabbing the cashier. While the victim was being held down, police said other individuals jumped the counter and stole about $8,000 from the business before fleeing.
**********That’s called “Florida Justice!!”
*****This cashier needed Star Wars wisdom: “Let the Wookie Win!!!”
STUFF THAT’S COOL AND VIRAL
VIDEO: DON’T FLY YOUR PLANE NEAR THE HELICOPTER!
VIDEO: WHAT IF PAUL MCCARTNEY REMIXED SMASHMOUTH?? (PARODY)
A LIST FOR FRIDAY
9 Budgeting Methods to Manage Your Money
Let’s break down some popular budgeting methods, so you can choose one that’s right for you.
THE PENNY HOARDER
- The 50/30/20 Method
Have you ever asked yourself how much you should be spending on necessities as opposed to the stuff you want? Have you wondered what portion of your paycheck should be going to better your financial future? The 50/30/20 budget might be right for you.
How to Budget Using the 50/30/20 Method
Divvy up your money so that 50% of your income goes to covering the essentials, 30% goes to buying what you really enjoy and 20% goes to meeting financial goals.
Let’s say your take-home pay is $3,000 per month. That breaks down to $1,500 for the essentials, $900 for whatever you desire and $600 for financial goals.
Some of the necessities you’d spend $1,500 on could include:
- Utilities, internet, phone
- Debt payments (car, student loans, credit cards)
You should allocate $900 to spend on the fun stuff:
- Subscriptions (Hulu, Netflix, gym, magazines, etc.)
- Going out (restaurants, date nights, movies, concerts, sporting events)
- Personal care (clothing, accessories, makeup)
That leaves you with $600 to put toward things like:
- Emergency fund
- 401(k) or IRAs
- Short-term savings
- 529 college savings plan
- Extra payments on your credit cards
With the 50/30/20 method, you don’t have to lay out how much you’ll spend in individual categories. For instance, you don’t need to set a spending limit on groceries or a cap on how much you spend on date nights as long as your spending stays within the established percentage brackets.
If you like the idea of the 50/30/20 method but can’t stick to those exact percentages, you can also tweak the numbers a bit. For example, you might choose to spend 60% on essentials, save 20% and spend 20% on fun stuff.
Is the 50/30/20 Method Right for You?
This method is a great fit for people who need guidance on balancing saving, investing and repaying debt.
If you tend to go overboard with your discretionary spending, this budget will keep you in line without making you feel like you have to sacrifice the things you want.
After all, 30% is a pretty generous allotment for fun money.
- The Zero-Based Budget
Type A folks, rejoice. The zero-based budget lays out a plan for every dollar you make, putting you in control of it all.
How to Budget Using the Zero-Based Budget
The goal is to make sure your monthly income minus your monthly expenses — including allocations like putting money in savings or investment accounts — equals zero. There should be no money left over at the end of the month and no spending more than you bring in.
To get started, analyze your bank statements, credit card statements and receipts from the past few months to get a sense of how much you spend in the budget categories that apply to your life.
Next, assign a spending limit to each of those budget categories. You may need to play around with the numbers a bit until the amount of money you have going out equals the amount of money you have coming in.
Is a Zero-Based Budget Right for You?
The zero-based budget is perfect for budgeters who want to be intentional about every dollar. It’ll help you become hyper aware of your finances.
This budget may even tip you off to where your financial problems lie — whether you’re simply not making enough money or you’re spending too much in a certain category.
- Bare-Bones Budgeting
Sometimes, you just gotta trim all the fat from your budget and focus on the basics with a bare-bones budget. It’s not deprivation. It’s discipline.
How to Budget Using Bare-Bones Budgeting
This budgeting method is pretty self-explanatory. With a bare-bones budget, you cover only the expenses that are absolutely necessary. Whatever is left over, you save.
Is Bare-Bones Budgeting Right for You?
The bare-bones method is helpful for budgeters who are really looking to bulk up their savings — or perhaps aggressively pay down debt.
The bare-bones method can help anyone needing a spending reset. It can also be helpful to those trying to manage their money on a lower income or those with a ton of essential expenses to account for.
- 60% Solution
Sure, it’s smart to prioritize the essentials. But what about those expenses that aren’t vital but that we consider very important to our lives? The 60% solution gives value to that type of spending.
How to Budget Using the 60% Solution
This budgeting method is similar to the 50/30/20 method, but the rules are a bit different. With the 60% solution, you’re budgeting 60% of your income on expenses you’re committed to. That includes essential spending plus those expenses that are most important to you, such as your kid’s activities, a personal trainer, dues to a professional organization or monthly road trips to visit loved ones.
As for the other 40% of your income? You can put that toward savings or use some of the money for discretionary spending. Richard Jenkins, the financial author who came up with the 60% solution, split his 40% into four 10% increments: retirement savings, long-term savings, short-term savings and fun money.
Is the 60% Solution Right for You?
The 60% solution is great for those who want to prioritize non-essential expenses that they care about. It’s also good for budgeters who want guidance on where their money should be going but don’t want to be too strict about tracking every dollar.
- Paycheck Budgeting
Most budgets are set up to cover a whole month’s worth of spending. Paycheck budgeting, on the other hand, is when you make separate budgets to cover each individual pay period.
How to Budget Using the Paycheck Budget Method
With a paycheck budget, you focus on planning out how you’ll spend each paycheck, covering all the bills and expenses you’ll incur before your next payday arrives. This budgeting method gives you a better picture of how much discretionary money you have available between paychecks.
If you have several bills due around the same time each month, you might want to ask your service providers if you can change your bill’s due date, so you aren’t spending all the money from one paycheck on bills alone.
Is Paychecking Budgeting Right for You?
If you live paycheck-to-paycheck, this is a good money-management system because each budget only focuses on the money you currently have on hand. This is also a good budgeting method for those who prefer to focus on how they’ll spend their income as it comes in, rather than making one plan at the beginning of the month.
- The Calendar Budget
You probably already use a calendar to keep track of upcoming events and appointments. Why not use it to keep tabs on your financial life as well? A calendar budget you’ll stay on top of all your bills and other anticipated spending.
How to Budget Using a Calendar Budget
A calendar budget is pretty simple. Using your calendar of choice — whether it’s an app on your phone or one that hangs on the wall — you’ll mark down your paydays (including the amount you’ll get paid) and all upcoming expenses (such as bills, doctor’s appointments and scheduled car maintenance).
You don’t necessarily have to plan out variable spending, like when you’ll buy groceries or fill up your gas tank. You can take note of those expenses on the calendar as they occur.
Keep a running daily balance so you’ll always know where your finances stand on any given day. You could also choose to keep a running balance of each budget category so you can stay aware of how much you’re spending on certain things.
You should get yourself in the habit of updating your budget calendar every day, though you should only have to spend more than five minutes a day doing so.
Is Calendar Budgeting Right for You?
The calendar budget is great for those who want to start budgeting without having to get used to a new tool or system or spreadsheet. Chances are, you already use a calendar in some capacity.
It’s also a helpful budgeting method for people who tend to forget about due dates or upcoming events that end up costing you money. If you’ve ever tried to budget only to overspend because you didn’t factor in a gift for your mom’s birthday, you might want to consider calendar budgeting.
- The Half Payment Method
Having to spend a huge chunk of your income on a bunch of bills due at the beginning of the month is a bummer. The half payment method helps spread those expenses evenly.
How to Budget Using the Half Payment Method
With the half payment method, you’ll set aside half the cost of your monthly bills with one paycheck and you’ll use the other check to cover the remaining half. Spreading the cost of your fixed expenses evenly between your paychecks will help reduce your money stress throughout the month.
You’ll ideally have enough money in your bank account to cover a half-month’s worth of expenses before starting this budgeting practice. If not, you can transition into the half payment method slowly, one bill at a time.
Since this budgeting method only focuses on dividing your fixed expenses, any money that’s left over after covering those expenses is your discretionary cash to use for groceries, gas, entertainment and other spending.
Is the Half Payment Method Right for You?
This method is fitting for people who get paid biweekly or semimonthly. If having an uneven distribution of expenses throughout the month is a problem for you, try the half payment method.
Kakeibo is a century-old money management style from Japan — one that’s still very relevant and useful today.
How to Budget Using Kakeibo
Kakeibo incorporates mindfulness, journaling and minimalism into budgeting.
You’ll start the month off by reflecting on how much money you have available, how much you’d like to save, how much you’re spending and how you’d like to improve your finances. After putting aside savings, you’ll use a journal to track your expenses as they occur.
You’ll group your spending in one of four budget categories:
- Needs(i.e., groceries, clothing and medicine)
- Wants(i.e., gym memberships, dining out and spa services)
- A cultural purchase(i.e., buying books or attending a festival)
- An unexpected/extra expense(i.e., an emergency vet visit or car repairs)
As you spend throughout the month, you’ll also write down why you made each purchase and how it made you feel. Once you reach the end of the month, total up your spending in each category and take time to reflect on how you managed your money and whether your spending aligned with your financial goals.
Is Kakeibo Right for You?
If you want to add an element of mindfulness into your financial life, kakeibo is a good budgeting style to try. This method is also suitable for those who prefer pen-and-paper journaling to spreadsheets and those who want to simplify how they categorize their spending.
- The Pay Yourself First Method
This particular method is the minimalist approach to budgeting. Pay yourself first — sometimes called reverse budgeting — prioritizes savings and can be used in combination with another strategy like the 50/30/20 budgeting approach.
How to Budget Using the Pay Yourself First Method
The idea behind a pay yourself first budget is pretty simple. Set a realistic goal for savings, retirement or even a sinking fund for a big expense or a vacation. Then you pay yourself — or your savings account — first and then use what’s left in your checking account for expenses and bills or debt payments. The 50/30/20 budgeting method is a more specific version of this approach.
Is Pay Yourself First Right for You?
A flexible budgeting approach like pay yourself first requires you to already have a good handle on expenses and to have realistic savings goals. If you’re still working on figuring out your budgeting “why,” then an approach that focuses on value proposition budgeting like kakeibo or a more meticulous system like the zero-based budgeting method might be a better choice for you.
The preceding material was compiled and edited by Brandon Castillo. The Editor-In-Chief is Gary Bryan. The Radio Genius Show Prep Service is licensed for use on-air only by subscribing radio stations. Other means of redistribution is forbidden.
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