Let's say you're searching for red AND blue in either of those fields...
WHERE t.name REGEXP 'red' OR t.text REGEXP 'red'
will find all the red rows, and
WHERE t.name REGEXP 'blue' OR t.text REGEXP 'blue'
would find all the blues right? Now, we just and those and now we need both, in either position:
WHERE (t.name REGEXP 'red' OR t.text REGEXP 'red')
AND (t.name REGEXP 'blue' OR t.text REGEXP 'blue')
Just build another AND for each word you want to search on.