Born on this day!! Actor Elliott Gould is 85. Actor Deborah Van Valkenburgh (“Too Close For Comfort”) is 71. Keyboardist Dan Truman of Diamond Rio is 67. Actor Rebecca DeMornay is 64. Bassist-singer Me’Shell NdegeOcello is 55. Singer Carl Martin of Shai is 53. Actor Carla Gugino is 52. Guitarist Kyle Cook of Matchbox Twenty is 48. Actor John Hensley (“Nip/Tuck”) is 46. Actor Kate Simses (“Dr. Ken”) is 44. Bassist David Desrosiers of Simple Plan is 43. Actor Jennifer Landon (“Yellowstone,” “As the World Turns”) is 40. Actor Jeffrey Licon (“The Brothers Garcia”) is 38. Actor Lea Michele (“Glee”) is 37. Actor Charlotte Ritchie (“Call the Midwife”) is 34. Singer Liam Payne is 30.
THIS DAY IN GENIUS HISTORY
1533 – Atahualpa, the last ruler of the Incas, was murdered as Francisco Pizarro completed his conquest of Peru.
1786 – Shays’s rebellion, an insurrection of Massachusetts farmers against the state government, began.
1842 – The Treaty of Nanking was signed, ending the Opium Wars and ceding the island of Hong Kong to Britain.
1877 – Brigham Young died in Salt Lake City, Utah.
1949 – The U.S.S.R. tested their first atomic bomb.
1957 – Strom Thurmond ended the longest filibuster in U.S. Senate history. He spoke for more than 24 hours against a civil rights bill; the bill passed.
1966 – The Beatles played their last major live concert at Candlestick Park, California.
1991 – The Supreme Soviet, the parliament of the U.S.S.R., suspended all activities of the Communist Party, bringing an end to the institution.
2005 – Hurricane Katrina slammed into the U.S. Gulf Coast, destroying beachfront towns in Mississippi and Louisiana, displacing a million people, and killing more than 1,000.
Today Is: According to Hoyle Day, Individual Rights Day, International Day Against Nuclear Tests, More Herbs, Less Salt Day, National Sarcoidosis Day, National Sport Sampling Day, National Whiskey Sour Day
TODAY ON TV!
Primetime TV (All Times Eastern)
CBS – 8:00 – FBI / 9:00 – FBI International / 10:00 – FBI Most Wanted
NBC – 8:00 – America’s Got Talent / 10:00 – Quantum Leap
ABC – 8:00 – Celebrity Wheel Of Fortune / 9:00 – Jeopardy Masters / 10:00 – The Chase
FOX – 8:00 – Beat Shazam / 9:00 – Don’t Forget The Lyrics
CW – 8:00 – Penn and Teller Fool Us / 9:00 – Whose Line Is It Anyway
TV Talk Shows
**Due to the ongoing writers/ actors strike most shows are in reruns. (Stay Tuned!)
WHAT ARE YOU TALKIN’ ABOUT? Here are today’s PPM-Friendly Topics!
QUESTION: Why couldn’t this couple conceive? They were having sex every night for 4 years, but the doc found she was VIRGIN!! That’s right.. WRONG HOLE!!
QUESTION: Does Neil DeGrasse Tyson think the U.S. government is keeping UFO SECRETS?? “Do you really think our gov could KEEP a secret? Come on, man!!”
QUESTION: Is laughter REALLY the best medicine??? Scientists find that “laughter therapy” can cure some kinds of HEART DISEASE!!! So… you’re a DOCTOR!!!!!!!!!!
QUESTION: Have you ever been “asked to leave” from a place or event for ANY REASON?? She was kicked out of a mall for wearing a SKIMPY OUTFIT!! Huh??
QUESTION: Does GOOGLE STREET VIEW ever pick up WEIRD STUFF as they tool around the planet??? Yes they do!! And here are shots of weird stuff from the road!!!!
****Was alcohol involved?? Yes.. public intoxication!!
*****He was one of the little Disney kids in Hannah Montana!!
*****He went into a hotel, grabbed a bag of chips and started eating! When asked for payment, he cursed ’em out!!
****When cops showed up , they found out he had four traffic warrants out!!
****He was booked and bonded out, but he’s lucky… in Texas, he could have died in a hail of bullets!!
*****When asked what she thought, Miley Cyrus said, “Mitchel Who???”
*******They were harassing a fan for standing and singing along!! Isn’t that what most artists want??
******Are security guards getting more aggressive??
****Or are they being told to keep the fans under control no matter what??
****We don’t go to concerts to be harassed and bossed around!! We can get that at home!!
*****This is what happens to these old folks!! (A lot of oldsters die of falls)
*****He lost his balance when a bunch of his money shifted to the wrong side!!
******Thank God his career is finally at an end!! Now he just sit all day!!
*********He waited to see whether Andrew would be mentioned in “The Sound of Freedom!!”
*********He went to church with his brother the King!! When he walked in, the altar caught fire!!
******This signals that he’s “back in the family,” even though he’ll never again be a “working royal!!”
****By the way, “Working Royal” is a great example of an oxymoron!!
*****King Charles said, “What was I going to do?? It’s not like he married a horse or something!!”
Loose Talk-(Us Weekly)
“It brought back memories that made me feel like a ghost watching my own story.”-Sharing her belated take on Daisy Jones & the Six, Stevie Nicks.
“It just wasn’t great for the ego.”-On playing Lea Michele’s mom on Glee, Idina Menzel.
“I walked away from the most popular girl at school, but I also knew that it was a super unhealthy relationship, and it was the best thing I ever did.”-On leaving The West Wing, Rob Lowe.
PHONE TOPIC STARTERS
Ever get kicked out of a place or an event?? Why??
*********Isn’t Bernie Sanders from Vermont?? So they’re used to hot air!!
********If the wind stops blowing, you’re basically screwed!!
*******Not as exciting as an airplane landing, but it’ll do for a Tuesday!!
******So… a wife took to social media to complain that her husband is now allowing their dog to occupy both the couch and their bed!!
*****Her Reddit handle is “u/thats-madness,” and she posted on the thread “r/AmITheA**hole!!”
*******She made it clear when they got the dog that it would not be allowed in bed or on the couch!!
****By the way, it’s a Weimaraner, so it ain’t a small dog!!
******Her issue is that she can’t get close to the husband now because the dog is always with him!!
*****Maybe she should take the hint!! What do YOU think??
********He was stopped on a traffic violation when cops saw the cookie jar stashed away!! That’s when they found 10 grams of fentanyl!!!
*****he should have tried hiding it in a Teddy bear!! Cops NEVER check a Teddy bear!!!
********By the way, 2 milligrams of fentanyl is deadly!!
*******The fatal stabbing happened 25 years ago!!!
******His victim was stabbed 73 times when this guy robbed his mini-mart!!
********He left a lot of blood at the store, but the thing that got him was a bag of beer cans outside his home that he had never disposed of.. in 25 years!!
*****Talk about procrastinating!!
STUFF THAT’S COOL AND VIRAL
VIDEO: GUY CONVERTS AN ELEVATOR INTO HIS OFFICE!
VIDEO: DEVASTATING RESCUE HELICOPTER CRASH IN FLORIDA.
A LIST FOR TUESDAY
6 Reasons You Shouldn’t Get a Bank Account With Your Spouse
The Penny Hoarder
- You Want to Quit Being Sneaky About Purchases
When you share bank accounts with your significant other, they see every time you swipe your credit card, spring for an online purchase or make a withdrawal from the ATM. Sometimes you might want a little financial privacy — whether you’re trying to surprise your honey with an anniversary gift or you just don’t want them to know exactly how much you spent on a new pair of shoes. The Penny Hoarder conducted a survey in 2021 on people’s budgeting and spending habits and found that nearly 1 in 4 respondents said they’ve kept a purchase secret from their significant other in fear of how they’d react. Keeping significant financial secrets from your spouse — like racking up a bunch of debt on secret credit cards — can be harmful to your relationship. However, if you just crave a little autonomy to spend money (responsibly!), having a separate bank account can help.
- You Have Different Income Levels
If you earn significantly more than your partner, you might get frustrated to see them spend your hard-earned cash on purchases you don’t agree with. If you earn less, you might be bothered feeling as if your partner is micromanaging your spending. You can avoid feelings of resentment or annoyance by coming up with a fair way to split the household income and shared expenses — and then letting each person have the financial independence to manage their own money how they see fit.
- You Have Different Spending Habits or Money Management Styles
Another reason you might opt for separate bank accounts is if you and your other half have dissimilar spending habits or money management styles. Maybe you enjoy spending money on experiences while your partner prefers to buy the latest tech. Perhaps your girlfriend finds it easier to use the cash envelope system to stay on budget while you hate carrying cash and can’t function without checking your budgeting app every day. Rather than trying to convince your partner to see things your way — or getting into constant arguments about the balance of your joint accounts — it might be better to just maintain your own individual accounts.
- You’re Used to Having Financial Independence
As couples wait to get married until later in life, it may be difficult to adjust to merging finances after having sole control of your bank account. “If you’re getting together in your 30s or 40s or later, you’re used to doing things how you do it and that’s what’s comfortable for you,” said Isabel Barrow, director of financial planning with Edelman Financial Engines. Maintaining separate bank accounts may be what’s preferable. There’s also the concern of losing your money management skills if you hand over the reins to your spouse to take care of paying the bills and handling the investments. It can be helpful for both to stay connected to managing their money individually rather than to have one partner who does it all.
- You’ve Been Burned by a Former Partner
Past experiences can have an emotional impact on our money mindsets. Barrow said she’ll often see couples who are in a second marriage choose not to open joint accounts or merge other assets. “I think that a lot of times it’s just to give them peace of mind knowing that they’re free to spend and to save how they choose,” she said. “They may have had disagreements in their prior marriage about money or maybe that was something that led to the divorce, and then they’re left feeling vulnerable financially and they just don’t want to go down that road again.” If your former partner was financially controlling or irresponsible with money, maintaining your own savings account may give you peace of mind — even if your new spouse or significant other doesn’t demonstrate the same behavior.
- You Want to Protect Assets for Your Children
Couples who get together later in life and have children from previous relationships may choose to maintain separate accounts and assets in order to pass wealth down to their own kids. If you want to protect inheritance money or gifts, it’s helpful to put those financial assets in a trust, Barrow said. Assets held in a trust are more likely to be protected from being split between spouses in the event of a divorce.
4 Tips to Successfully Manage Money Separately
Keeping finances separate in a relationship requires a little extra work. Here’s what you need to know as you go forward with this financial arrangement.
- Have a Plan for Shared Expenses
If you decide to keep your funds separate, you need to have a plan for how you’ll handle shared household expenses. “Every couple needs to have a system that works for them,” Barrow said. “Once you find it, stick with it.” You might decide to have each partner cover a particular set of bills. For instance, your spouse might take care of paying the rent and student loans while you cover child care and groceries. Another option is to split the bill for everything. Money transfer apps like Venmo and Cash App make it easier to reimburse each other for shared expenses. However, Barrow finds that constantly splitting the check can grow tedious and lead to bickering or resentment. What she recommends is for couples to open a joint bank account for shared expenses while each maintaining their own separate accounts. The amount of money each contributes to the joint account should be based on the percentage of the combined household income that they earn. For example, if you make $60,000 and your partner makes $40,000, you should cover 60% of shared expenses while they contribute 40%.
- Keep Important Accounts in Both Names
Even if you pay the bills separately, it’s important for both people in the relationship to be named on the mortgage or rental agreement — especially if you’re unmarried. “If … you’re not married and [the home] is in one person’s name, there is a chance that if the one whose name is on the mortgage passes away, the unmarried partner can get booted out of the house,” Barrow said. The same rule applies to utility accounts. You don’t want to break up with your boyfriend and also have your electricity and water cut off, because he was the only one listed on those accounts. However, if you have Netflix in your name and your significant other is named on the Spotify account, it’s not as crucial to make sure those subscriptions are in both people’s names.
- Separate Accounts Won’t Necessarily Protect You if You Split Up
Just because you have money put aside in your name only, your spouse could have rights to those assets in the event of a divorce. For married couples in community property states — Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin — all assets and debt are considered shared marital property and are generally divided evenly in a divorce, regardless of whose name is on the account. Most states are equitable distribution states, which means that assets acquired during the marriage are to be “divided fairly but maybe not equally,” Barrow said. Entering into a prenuptial agreement before you get married means you and your spouse can mutually agree on how you’d want their assets divided instead of being subject to state laws.
- Take Time to Plan for the Future Together
When you and your spouse manage finances separately, you may not see your overall financial picture as clearly as couples with a joint bank account. That’s why it’s important to have open conversations about money and to be on the same page about financial goals. If you are married or in a committed relationship, you should know how much money your partner makes, what debts they have and what their spending habits are like. Make financial transparency a regular part of your lives by implementing a monthly money date or family budget meeting. “Even if you’re keeping the money separate, you should be planning together,” Barrow said. “You need to together determine what your spending limits should be or what your savings goals should be.”
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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