Free Radio Content #04

How Have You Injured Yourself Working Out?

Researchers tell us about 200 people (in the U.S.) die while using exercise equipment. Turn that treadmill down!

Phoner / Facebook Topic: How have you injured yourself working out?

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Reasons You Aren’t Rich

From TheStreet.com

• You Care What Your Neighbors Think — If you’re competing against them and their material possessions, you’re wasting your hard-earned money on toys to impress them instead of building your wealth.

• You Aren’t Patient — Until the era of credit cards, it was difficult to spend more than you had. That is not the case today. If you have credit card debt because you couldn’t wait until you had enough money to purchase something in cash, you are making others wealthy while keeping yourself in debt.

• You Have Bad Habits — Whether it’s smoking, drinking, gambling or some other bad habit, the habit is using up a lot of money that could go toward building wealth. Most people don’t realize that the cost of their bad habits extends far beyond the immediate cost. Take smoking, for example: It costs a lot more than the pack of cigarettes purchased. It also negatively affects your wealth in the form of higher insurance rates and decreased value of your home.

• You Have No Goals — It’s difficult to build wealth if you haven’t taken the time to know what you want. If you haven’t set wealth goals, you aren’t likely to attain them. You need to do more than state, “I want to be a millionaire.” You need to take the time to set saving and investing goals on a yearly basis and come up with a plan for how to achieve those goals.

• You Haven’t Prepared — Bad things happen to the best of people from time to time, and if you haven’t prepared for such a thing to happen to you through insurance, any wealth that you might have built can be gone in an instant.

• You Try to Make a Quick Buck — For the vast majority of us, wealth doesn’t come instantly. You may believe that people winning the lottery are a dime a dozen, but the truth is you’re far more likely to get struck by lightning than win the lottery. This desire to get rich quickly likely extends into the way you invest, with similar results.

• You Rely on Others to Take Care of Your Money — You believe that others have more knowledge about money matters, and you rely exclusively on their judgment when deciding where you should invest your money. Unfortunately, most people want to make money themselves, and this is their primary objective when they tell you how to invest your money. Listen to other people’s advice to get new ideas, but in the end you should know enough to make your own investing decisions.

• You Invest in Things You Don’t Understand — Your hear that Bob has made a lot of money doing it, and you want to get in on the gravy train. If Bob really did make money, he did so because he understood how the investment worked. Throwing in your money because someone else has made money without fully understanding how the investment works will keep you from being wealthy.

• You Ignore Your Finances — You take the attitude that if you make enough, the finances will take care of themselves. If you currently have debt, it will somehow resolve itself in the future. Unfortunately, it takes planning to become wealthy. It doesn’t magically happen to the vast majority of people.

How to Lose Weight Without Trying

Phoner / Facebook Topic: How did you lose your weight?

Researchers say if the average guy would cut his TV watching in half he’d lose 14 pounds the first year. Why? Because the average guy eats while watching TV.

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Your Password Stinks!

Every day there’s a new story about online security, or accounts being hacked. Smart surfing begins with solid passwords.

• Don’t make your password a person’s name or any word in the dictionary.

• Don’t use your birthday, social security number, or sequential numbers like 1234 (did we really have to tell you this one?)

• Do use longer passwords (10 or more characters if you can).

• Do use a combination of letters, numbers, and symbols.

• Do make your passwords case sensitive and mix up the uppercase and lowercase letters.

• Substitute letters for numbers. For example “Pa55#w0rd” would take a lot longer to find than “password.”

• Do use a different password for every site you visit.

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Ridiculous Answer

This is simply a fun bit masquerading as a contest. Line up a few contestants. First caller has to provide a 30-second ridiculous answer. If they stumble or otherwise fall apart they’re done and you move on to caller two.

Here are a couple of sample categories/questions:

• Economics – In a free market, where do the laws of supply and demand intersect?

• Astronomy – What would happen if an object the size of the sun were to fall into a black hole?

• Animal Science – What is the gestation period of a sea urchin, and why is it significant to animal science?

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Brain Teaser

A man wanted to enter an exclusive club but did not know the password that was required. He waited by the door and listened. A club member knocked on the door and the doorman said, “Twelve.” The member replied, “Six” and was let in. A second member came to the door and the doorman said, “Six.” The member replied, “Three” and was let in. The man thought he had heard enough and walked up to the door. The doorman said, “Ten” and the man replied, “Five,” but he was not let in. What should have he said?

Answer: “Three.” The doorman only lets in those who respond to his queries with the number of letters in the word he just said.

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