Football and end of the year finance

Leonard Raskin and Nestor discuss end of year football and college bowl season and some finance tips to be aware of before the ball drops on 2022.

SUMMARY KEYWORDS

game, crabs, week, quarterback, play, thinking, year, baltimore, 31st anniversary, lamar, raskin, run, cincinnati, big, hardball, eat, wife, playoffs, ravens, pittsburgh

W N S, T, Towson, Baltimore and Baltimore positive. We’re taking the Maryland crabcake tour back out on the road twice this week for my 31st anniversary Baltimore radio. It’s all brought to you by our friends at the Maryland lottery I’ll be giving away some ravens scratch off tickets as well. We’re gonna Hootenanny we’re gonna be a failure on Friday honoring Dan Rodricks. The great will Schwartz was the one time producer of my television show with Lawrence Taylor and the buddy Ryan back in the day. That’d be families on Friday morning. I think Ross is going to be joining us in the Maryland lottery as well. Big thanks to our friends at Goodwill as well as when donation 866 90 nation 0% financing on Windows so go get them and we’ll be back next Thursday in Dundalk at Costas celebrating my 31st anniversary so it’s three things really going on. It’s a holiday event. 31st anniversary on radio and Rock and Roll Hall of Famer the great drummer from the Go Go’s of Dundalk. Jean is shocked doing a extended conversation as well as the hammer Jacks documentary folks. This guy has been a Costas over the weekend for the big crabs. Yes, they have the big and he’s also been at the Ravens game but Ohio State didn’t get their ass kicked this week and that they are you sorry I didn’t mean to get you get you off on the wrong foot of your letters.

01:52

No worries. No look. Hey, we’re going to the playoffs right off. Yeah, how about that they’re going to the playoffs you get mad and you still get a recipe you get another chain man. 10 in one if you watched the Utes USC I don’t know if you’re a fan. That was a great game. I thought that was a great game, and the Utes beat up USC and at the end of the game head coach from the Utes Mr. I believe Willingham jumped up on the set of Fox Sports and Urban Meyer was up there and I did not know this little tidbit. Urban Meyer hired him as one of his assistant coaches when he was head coach at the Utes back in 2003. So urban was given the old hug, hugging them all up and saying how great is when was and then coach for the youth said You’re welcome Ryan day, because USC was for Ohio State was five, Alabama was six. So lo and behold at the end of the day, Ohio State sneaks into backdoor gets in the playoffs and what do they get for their trouble? A trip to the Peach Bowl to play number one Georgia on New Year’s Eve at eight o’clock at night. Game home game for the Bulldogs That’s right, a home game for the quarterback that I believe should win the Heisman trophy. If

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you do weeks ago before they got their ass kicked by Michigan, you were a believer that they were national championship game, you know, caliber.

03:32

I thought it would be good to see. Georgia. I thought it’d be good to see them play Georgia and the final now they’re going to have to play him in the semifinal.

03:40

Okay, well,

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we’ll see. You either put up or shut up.

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03:44

Are you a boy headed to introducing peach tree dancing for the new year and

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the wife we’re gonna Peach Out and the wife we’re gonna three of us are gonna Peach Out and we now have changed our plans around and we will spend New Year’s Eve in the Peach State. We down there and Atlanta games at eight. So with a win. It’ll be ringing in 23 in a crazy way. Something wouldn’t have been something it would be something there six and a half. I think they’re six and a half point underdogs. And if they lose that we’re just in Atlanta for New Year’s Eve which we’ve never done. And then we’ll come home on New Year’s Day in the morning and maybe go watch the Ravens play the Steelers that afternoon you know

04:24

all right let a Raskin is more than that. His son is in Ohio State he sounds like he’s a rising freshman but he’s almost does the end in the beginning at this point on it and you think you have a chance for national champion for the for the Ravens. You went to the game Sunday. This horrible obviously the situation with Lamar and I watched John Harbaugh’s press conference on Monday. He looked almost ashen to some degree, like he’s gonna get out there and say maybe this week, maybe next week can be maybe next week and then it’d be maybe the VA, but it starts to feel like this. This is a couple of games that they’re gonna have to do something that they couldn’t do last year, which is win without him.

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Look, look we’ve spoken this whole year before the season. During the season. What did we talk about?

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primary business, the American having insurance,

05:14

I hope Lamar had his body has his body insured because every day that guaranteed contract looks worse and worse. And God forbid the knee is real serious bad. It’s he’s a running quarterback. And this wasn’t even on a run. This was on a sack. He wasn’t even running. He got hurt trying to be pocket quarterback and he got plowed. He came down on his knee and I don’t know what happened but the bruise is obviously more than a bruise. So I think they said the X rays were negative, right?

05:46

Yeah, they can say whatever they say who cares? He’s razor negative x ray. Oh, it’s any Pittsburghers? Not right?

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05:54

They don’t show ligaments right x ray show Bones. So he didn’t crack a bone in his knee. But that doesn’t mean it didn’t tear the ACL or something. PCL is

06:03

what a few internet doctors had talked about, which could be a couple, two to four weeks, but it’s just different when you’re running quarterback and you can’t really run and watching Russell Wilson run around the other day, who is a little bit of a shadow. Maybe he’s lost a half a step. But if that’s your game, if your game speed and you lose a quarter of a step, at that level,

06:26

you’re normal. You’re caught. You’re normal. And look Huntley came in kid did all right, but he woke up thinking he was on the practice squad or something. He didn’t wake up thinking he was playing Denver’s defense. And I don’t know whether our offense looked that bad or Denver’s defense looked that good but they look really good. Defense looks really good.

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They did a bad job, you know. And, but but the issue for this franchise right now is eight and four not unlike last year. Good start Great. Starting four is a great start. It’s not a good start to great. It’s the foundation to get you into the playoffs. And at the beginning of the year. We were like oh let’s start the year against the Giants. The dolphins the Jets. Right and then when CDs enter the year we’ll get clear what’s not clear what anymore and our quarterbacks gonna go to jail and and the Steelers don’t have a quarterback and Mitch Trubisky and all that. And all of a sudden what we have here is four out of five weeks of Division football. Got to begin on the road, the last one on the road in Cincinnati, and all of a sudden

07:32

could be a Sunday night game or something wild. If it matters, the easy

07:38

schedule has turned into a schedule. We got to go to Pittsburgh and we don’t have our left tackle and we don’t have our quarterback and we got to go to Cleveland and they’re gonna have their quarterback and it’s the weather and bla bla bla bla i This. This doesn’t have good good mojo right now. Especially if you saw Cincinnati played four o’clock on Sunday.

07:56

Absolutely. They beat the chef’s they look good against the chef’s once more they’re three and against the chef’s is late last year. How about that?

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08:07

It’s like a big game for

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the Super Bowl. He’s the only quarterback to beat. Patrick mahomes Three times. Ever, ever. How about that? He’s got him three and out.

08:20

Well, I had a hard time there. We’ve had a hard time because we’ve never really been the better team against the chiefs. Right? And as composed right now. I look at Buffalo I look at Kansas City. I look at Cincinnati and saying how are you going to be two or three of those teams in January as complex as they are right

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now as they are now right composition and what happened with Patrick queen?

08:42

Well, that was it. That’s a bone bruise that was when that is what it is. Calling it a bone bruise. They’re calling that a bone bruise and that he’d be able to play at some and what about Hamilton? That that he’s in and out i but he’s

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just I think the kids are stunned but with him out that’s not they weren’t good when he was out the last. Um, that hurt. That hurt.

09:04

I think they start taking pieces away from the secondary pieces away from the pass rush. That’s concerning. The biggest concerning thing I have is how they’re going to manufacture points. They weren’t great with Lamar in there prior to last week. The left tackle situation obviously this kid for lay lay. That’s not That’s not a winning scenario experiment now.

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09:24

It’s it’s a must do. It’s a must do but not a great, great experiment. So that’s going to be tough. And we got to hope Lamar is sooner rather than later. Although I’ll tell you you know Huntleys not bad. He plays a good second. Second, Lamar. He’s got he’s got some good legs. It looks like it’s decent arm. He looked good last year for what he needed to do. But they have to win big games. And the first one is the Steelers I think pick it right Pickett who is coming on. But and if your defense is in hot oh pill, take them apart. Well, the question

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is how long Lamar is going to be out and right standard this injury and what it means to them over 234 weeks, like these next three weeks critical may hang in Pittsburgh, maybe hanging in Cleveland, certainly Atlanta looks to be not so good. Now they’re gonna play that Cleveland game on Saturday. So the Cleveland game is going to be the short rest right? So getting more back a day earlier. I don’t know if a day matters one way or another. But these next two games were the Hatfields and McCoys and the division itself and these rivalry games. This just doesn’t it doesn’t feel like good mojo to me right now.

10:35

Yeah, it’s not pretty. And they’re gonna have to figure it out and and work through it. You’re right. It’s gonna be a tough, a tough sled. They’re gonna have to pull it. And so we’ll see what they’re made of. I think that’s the big thing. And there’s talk in the streets that Greg Roman is being talked to by Stanford.

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That’s correct. Yeah. So it’s been confirmed by John. Right. So

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if he goes, if they offer and he goes, You can’t get there soon enough to start recruiting.

11:05

Well, I don’t know about that. I don’t know that. That’s the way John would see it in regard to play calling. Although calling the play for the wide receiver to throw the football when you’re, oh, it feel gold position. I mean, you know, hardball addressed it at length on Monday once he calmed down after the game. He looked a little morose on Monday, given Lamar circumstances and whatever the prognosis is for him, which is he playing in Pittsburgh this week, we get the notion that Greg Roman would call that play, and you know, the chain of command goes I mean, I cannot imagine that play. is installed in that circumstance without John hardball knowing about it. And say, this is a good time to run that or no, no, no, no, no timeout. We’re not running that play. We got to get three points here. But John thinks about three points John’s

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777. And they and you know that played it look right from the start. Right at the snap the way the first hand off happened didn’t look right. And then the second one and I’m thinking cool crochets coming around the end, they’re gonna they’re gonna do it and around the room. Did you see how much field he had in front of them? The dude had room to run. You know why? Because seven guys were in the endzone covering one receiver. Oh, my God.

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Well, I mean, I’ve always said he probably should have ran with the ball, you know, like,

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so much room. And then after that, right after he threw it, and they picked it, I said to the people that we sit with and sit around us I said, is your third string quarterback? Because he’s a runner, and what have Huntley would have gone down who’s, who’s next up is

12:45

Sam Cooke used to be the guy he’s not here and not here. Now. I’ll

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tell you what, the one thing I’ll say other than the misery of the game, which it was miserable, except we got the W so I guess I’ll take miserable in a win versus Jacksonville. And look at okay, and losing, you know, that’s okay. But but the halftime was really good, really strong. I had not seen Marshall yonder in quite a while. That man is half the man he used to be. My God. The man was almost unrecognizable, the amount of weight that was off his shell. And just great words, really, really smooth. really caring. And, boy, he sounded like he wanted to be out there and play and he was fired up. For Baltimore fired up for football. I don’t know what he’s doing these days. But that man wants to coach. He was rah, rah rollin baby. He was ready to coach up the line.

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lost all the weight before the plague right so he retired after the 19 season. Yeah, brought everybody back and we were all like for him to retire. We were like what happened in March? He lost all that weight like instantly first one.

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It was a it’s amazing. The demand looks it was all dressed up in a suit. Yeah, just kids his wife there. He’s looking sharp. And he was talking some smack that dude was ready. I’m telling you. He sounded ready to coach it offense. He sounded ready to coach Ray Lewis. That dude was ready to bang through a wall for the Ravens. Yes,

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sponsor me a number of years but he came out and did the show with me. I want to say was in 1716 or 17. Yeah, it was after Jen survive. We swapped for the bone marrow registry. We did it up in Carroll County at Greenmount station where you can now legally play some sports wagers games if you wish. I didn’t get a great crabcake as well. It’s good ribs to Chris up their agreement. So I ran the interview with him on Monday here at AM 15 Seven eat again on Tuesday morning this week and I you know I put it up because it’s been six seven years right? I’ve known Marshall getting ya know his mother the first time you ever gotten a game. We kicked off the season in Cincinnati was a night game back in 2006 when he was drafted I was sitting in the stands in the upper deck. His mother was sitting near me and her boy was going into an NFL game for the first time and they were an Iowa farm fire.

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He’s a farmer. He’s a farmer.

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So that’s how far back I add this picture Marshall and we both look young, you know in in 2006. So Marshall came out and did the show. And all I remember about that night and I haven’t listened to the interview even though we ran it on Monday was I remember sitting with him and he was always one that didn’t like the media so much whatever. He got along fine with me but he didn’t do a lot of things. It’s one of the reasons you’d like to speak all them. That’s right. That’s right. Isn’t rude to the media. He very puffy didn’t seek the spotlight. Right? It is so he said them to us that and that he kind of confide in and we got we got a really loose version of Marshall that night. You know I got I got a lot out of him which I think is my gift as an interviewer. And I remember him saying I hate lazy I hate I hate everything. I know that I can’t stand more than lazy and I’m thinking No wonder you and I get along. There’s a story of like, lazy more than me, you know? So I found that that that is that’s the heart of Marshall yonder. That’s absolutely a Hall of Famer quick

16:15

for you didn’t hear his I agree if you didn’t hear his interview from Sunday, but not as interview his halftime talk from Sunday. Get it? It’s got to be on YouTube. It had to be recorded. Just it was five minutes, two minutes, but it was strong. Dude was strong. It was a three Hall of Fame speech is what you’re saying. And he’s got that Bill coward chin, he’s chiseled now his face he’s got that chin going. It’s got that cower chin he bring him back and Evan Dr. Jeff Saturday when you fire hardball is lettering not finding the head coaching as easy as he thought it might be.

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Raskin global is the way to find letter. He manages money as well as I don’t give you a little love. You know you’ve had a nice year you’ve traveled a lot. You’ve taken care of your money, your wealth. This is a time where your wife’s healthy your son’s health. He’s in college ran around Europe all summer. You’re doing a little bit of beachy time here. But like as you go away and you have hundreds of clients, most important thing people need to be thinking about at the end of the year because I asked you this every week and I’m thinking not everybody listens to everything every week. Yeah sure to say my end the year in handling your money is important.

17:25

Yeah, well, here’s the thing. There are a couple of things. If you’re going to do any charity, do it, give to charities, or get prepared to give to charity. If you’re a business owner, you want to make sure that your income and expenses are scheduled in the right year. You may want to stop billing people to stop getting in revenue before your end and have to pay taxes on it delay that till next year. Or if you’re not having a great year you might want to pull some income into this year and bring more in it might be in a lower tax bracket. So you got to do your year end planning and this is the time beginning of December. You don’t want to wait till the 27th to go. We need to do know right around now the beginning of the month you take a look you get with your advisors, you get with your team of people and you make sure you’re doing the right thing. If you’re not a business owner, make sure if you wanted to put money into 401k that you got in there what you wanted to get in there. If you work at a company you’re looking for a Christmas bonus a holiday bonus and you’re not sure whether or not they’re going to contribute to your 401 k out of your bonus. If you want it contributed make sure it comes out if you don’t want to contribute and make sure it’s turned off. These are just the year end kind of things you need to touch on check on and most importantly I would say get yourself organized. Get ready for 23 It’s coming fast. I was with I was with a POW at the game Sunday. So as you said had a colleague in from out of town. And interesting Quick, quick aside. He said something resonated when he said it he said as you get older I hadn’t heard this saying before but it was I’ve heard like it but he said you wrote it down is what you’re telling me? No I didn’t write it down but it’s in here. He said he said somebody told him once. Somebody told him once that as you get older Life is like a roll of toilet paper. And it just goes faster and faster and faster as you get older.

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I’m not gonna write that one down.

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It’s kind of a profound thing. So fact is you got to think about it. You know, as I get older, there’s less toilet paper on the roll and that’s the point on the roll right but it pulls faster pulls faster. So his point was as you get older the years seem to go by a lot faster. So you gotta get ready for 23 Because we’re you know, it’s 24 and it just, it just goes back and he’s he’s a he was a big Buckeye fan and and we were both kind of pretty happy that playoffs were coming for for the suns Buckeye and get to go all the way to a playoff football and the Buckeye ladies are in the sweet 16 I think it is of the volleyball national tournament so that’s kind of cool. The boys been playing the band everywhere. And he’s got another five days of school and then finals. And then like you said, Man, it was like he was a rising freshman and now he’s finished it up as junior almost year it’s crazy. But yeah, get yourself organized for 23 it comes out you’re fast. Be ready. Make sure you’re doing what you need to be doing.

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All right, let us know what do you need to be doing a joint itself here this week? Get ready for the holidays. You can reach him at Raskin global.com See and my year Leonard has during the course of this year, we’ve gotten entangled with each other he’s been trying to help me out of all sorts of little not a mess, but angleman I’m not a mess. So I’ll at least say that much you can find him out of rescue global and of course in the front, a Baltimore positive that can last thing for you. All right. crabcakes we’re gonna be down a fade. He’s talking about shipping. You’re gonna be cautious next week shipping crabcakes you know, and I know you’re a guy who’s a generous guy. You get a lot of people out of town. You were over you said to me last week I’m gonna go get some crabs. I’m gonna go to cost us after the game. How were the crabs? That’s the

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dude. Dude. It’s amazing. We’re in December. We’re in December.

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Your parents told you couldn’t get crabs in December, right?

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We lied about that. It’s December. I hit you up. I said hey, where? Where would you go? Out to eat because we we bring crabs in the house all year round. We bring them home all the time. But we wanted to take this guy out for a Baltimore crab experience. He never had steamed crabs. So we said never have add on guy he got in he got in Saturday. He got into Saturday evening. We went to Pappas for crabcakes. Saturday night he had a crab cake. He said it was phenomenally never had anything like it in his life. So I said to him Sunday we’re going to tailgate. We’re going to go to the football game. And then we’re going out to figure out how they pull the meat to put in those crab cakes. So you said go to cost us man go to cost us they’ll take care of you. So we went out to cost us and it was fantastic. We got a little crab soup. We got a little appetizer because I always feel like when you’re a first time or when you’re that crab picking virgin. You need some side food while you’re picking because you’re not really going to get all the crap out and you don’t know how to do this. You might not be happy doing it. This guy said look, I’ve been to crawfish boils. I’ve been to lobster bakes. I’ve eaten oysters like they’re going out of style ease and you just put it in front of me and teach me how to do it. This is a guy that went to Air Force The Air Force Academy and you’ll you’ll appreciate this. I’ll tell you this little quick story. He he informed me and the wife that he was first team all I don’t know if it was packed. Where’s the Air Force Academy? The whack the pack? Whatever they were wack for a while. Yeah. So he was first team all conference wide receiver ahead of Steve Smith seen.

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Oh, Utah was in that conference. Of course ABS Yes.

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Yes, he said they were friends. They hung out. He went to the academy. Steve Smith went to the the Panthers. And he went to fly jets. There you go. Anyway, you eventually and and he learned last weekend he learned how to crack crabs. He learned how to pull those things apart. Dig into that meet and he was he was in heaven. The dude was in heaven. So we we ate crabs, drank some beer. And then I said this is me. I don’t know how everybody else does it. But for me. When you finish up your crab feast you need to have vanilla ice cream. That’s how you finish it. The only one that’s ever said that to me that’s how you finish it right so we got

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a lot of people in Baltimore telling me they finished grabs.

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We got vanilla hot fudge sundaes with the wet nuts and the whipped cream. And and we ate like we were going to the chair and the food was fantastic. The bill was just right my friend. Everything was fantastic. We have a few crabs leftover which the wife and I chose to imbibe following and it’s all good. It’s all good.

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Well, you know, every time we get the whole thing started with that video with three and a half million views on how to pick a crab the right way. It all started with Moeller and I doubt it fails one day when this young lady was in from Minnesota and she had never seen a crab and didn’t really even know where to begin. And I keep thinking to myself the intimidation factor. Like when you see that, that that crush file that you just sit there and you’re like what what do I do with it it’s

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out of it you know pile on paper you go what and and so he cracked the first one he opens it up and he goes alright can eat this I said no, no, no way. way way way way. You don’t eat that stuff on the outside there. You don’t eat that stuff. That’s that’s not good. It’s like that

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Bob Seger song against the wind what to leave in what to leave out. You don’t know what to eat when you’re not appreciative all we had a great week and I hope this Pittsburgh week your thing goes better than we think it’s gonna go. So we’ll see you on the other side of your vacay before Christmas, Hanukkah a hot new years. Absolutely. Oh we got all tax situations we get all that stuff happen.

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Let a flex to Cleveland Browns game. Saturday like

25:20 Saturday afternoon Cleveland Browns right. And then Christmas Eve against the Atlanta Falcons. So have that. You can find Leonard at Raskin global.com To get all sorts of wisdom, ideas about money and protecting yourself and insurance and doing the right thing keep your money away from the government. And but that’s a rescue global.com Please do that. You can also check out letter at the front of Baltimore positive.com We’re doing the Maryland crab cake tour Friday at Bally’s show brought to you by our friends at the Maryland lottery with goodwill and when donation we’re getting back after the rock and roll thing next Thursday for my 31st anniversary. 31 years on radio. There you go next week. It’s crazy next Tuesday I have to go find Kenny Albert as well. We are wn st am 1570 Towson, Baltimore and we never stop talking Baltimore positive