Podcasts about accounts

6. Guest Author: James Shapiro James Shapiro discusses "Living Newspapers," such as *One-Third of a Nation*, which used fact-based accounts to tackle social issues like the housing crisis. These productions angered powerful real estate interests and senators whose own words were often mocked on stage. Shapiro also highlights *Liberty Deferred*, a sardonic play about the history of American racism and lynching. Despite its brilliance and factual basis, white supervisors "slow-walked" the script for years. Consequently, the play was never staged before the Federal Theater was shuttered by the government in 1939. (6)1921

Quint and Allie talk through Trump accounts. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Title: The Rich Man and His Accounts ManagerSeason: 25Episode: 19Date: March 15, 2026Scripture:  Luke 16:1-9Preaching: David HendersonSeries: Faithful Living While We WaitFind notes or a transcript of this sermon on our blog: https://www.covenantepc.org/blog/faithful-living-while-we-wait

A bank deploying virtual accounts technology does so not only with a keen eye on what it will provide for its corporate clients but also how the solution can further its relationships with those clients. A recent TMI TreasuryCast featuring Cosimo Rullo, Vice President, Payments Cash management & Open Banking, Intesa Sanpaolo, and Joost Bergen, International Business Development & Strategy, Montran, put those twin values to the test.

Last time we spoke about the Soviet-Japanese neutrality pact. In the summer of 1939, the Nomonhan Incident escalated into a major clash along the Halha River, where Soviet-Mongolian forces under Georgy Zhukov decisively defeated Japan's Kwantung Army. Zhukov's offensive, launched on August 20, involved intense artillery, bombers, and encirclement tactics, annihilating the Japanese 23rd Division and exposing weaknesses in Japanese mechanized warfare. The defeat, coinciding with the Hitler-Stalin Nonaggression Pact, forced Japan to negotiate a ceasefire on September 15-16, redrawing borders and deterring further northern expansion. Stalin navigated negotiations with Britain, France, and Germany to avoid a two-front war, ultimately signing the German-Soviet pact on August 23, which secured Soviet neutrality in Europe while addressing eastern threats. Post-Nomonhan, Soviet-Japanese relations warmed rapidly: fishing disputes were resolved, ambassadors exchanged, and the Chinese Eastern Railway sale finalized. By 1941, a neutrality pact was concluded, allowing Japan to pivot southward toward China and Southeast Asia.   #193 The Chiang-Wang Divide Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. After that lengthy mini series covering the battle of Khalkin Gol, we need to venture back into the second sino-japanese war, however like many other colossal events….well a lot was going on simultaneously. I wanted to take an episode to talk about the beginning of something known as the Reorganized National Government of the Republic of China, or much shorter, the Wang Jingwei Regime. It's been quite some time since we spoke about this character and he is a large part of the second sino-japanese war.    After the fall of Tianjin and Beiping, the government offices in Nanjing entered their annual summer recess. All of GMD's senior leadership, from Chiang Kai-shek down to Wang Jingwei, gathered on Mount Lu, a picturesque resort in northern Jiangxi, south of the Yangtze, famed for cliffs, clouds, and summer villas. Although Chiang had visited Mount Lu every summer, this was the first occasion that nearly the entire central government assembled there. Analysts suspected the gathering was a deliberate move to relocate government functions inland in the event of total war. Dozens of the nation's leading intellectuals were invited to Mount Lu to discuss strategies for countering Japan's ambitions. The forum was scheduled to begin on July 15 and to last twenty-seven days in three phases. The bridge incident caught them off guard. Unlike Manchuria, Beiping had long been the nation's capital, and the shock added urgency to the proceedings. When the forum, chaired by Wang, finally opened on July 16, speculation ran as to whether this signaled another regional conflict or the onset of full-scale war. The media pressed for a resolute stance of resistance from the government. To dispel the mounting confusion and perhaps his own indecision, Chiang delivered a solemn speech on July 17, declaring that if the incident could not be resolved peacefully, China would face the "crucial juncture" of national survival and would consider military action; if war began, every Chinese person, from every corner of the country and from every walk of life, would have to sacrifice all to defend the nation.   Chiang's Mount Lu Speech was now commonly regarded as the moment when China publicly proclaimed its firm commitment to resistance. Contemporary observers, however, did not take Chiang's stance at face value. Tao Xisheng, a Peking University law professor who had been invited, recalled that after the speech, people gathered in Hu Shi's room to discuss whether a peace option remained. Chiang left the mountain on July 20, leaving Wang to chair the conference. The discussions continued upon their return to Nanjing, where a National Defense Conference was organized in mid-August. It was also Tao's first encounter with Wang Jingwei. A "peace faction," largely composed of civil officials and intellectuals, began to take shape around Wang, favoring diplomatic solutions over costly and potentially ineffective military action.   During this period, both Chiang and Wang publicly called for resistance, while both harbored hopes for a peaceful solution. Yet their emphases differed. On July 29, Wang Jingwei delivered a radio address from Nanjing titled "The Critical Juncture," echoing Chiang's slogan. He likewise asserted that after repeated concessions and retreats, the critical juncture had come for China to rise against Japan. It would be a harsh form of resistance, since a weak nation had no alternative but to sacrifice every citizen's life and scorch every inch of land. Yet toward the end, Wang's speech took on an ironic turn. He stated, "The so-called resistance demands sacrificing the whole land and the whole nation to resist the invader. If there is no weakness in the world, then there is also no strength. Once we have completed the sacrifice, we also realize the purpose of resistance. We hail 'the critical juncture'! We hail 'sacrifice'!" The sentiment sounded almost satirical, revealing his doubt about the meaning of total sacrifice.   The hope for containment was crushed by Japan's ongoing advances. On November 12, Shanghai fell. Chiang's gamble produced about 187,200 Chinese casualties, including roughly 30,000 officers trained to German standards. Japanese casualties were estimated at a third to a half of the Chinese losses, still making it their deadliest single battle to date. The battered Japanese Imperial Army and Navy, long convinced of their invincibility, were consumed by vengeful bloodlust. The army swept from Shanghai toward Nanjing, leaving a trail of murder, rape, arson, and plunder across China's heartland.   With the fall of Nanjing looming, the central government announced on November 20 that it would relocate to Chongqing, a city upriver on the Yangtze protected by sheer cliffs. Plans for Chongqing as a reserve capital had already begun in 1935, with Hankou as the midway station. To preserve elite troops for the future while saving face, Nanjing was entrusted to General Tang Shengzhi and his roughly one hundred thousand largely inexperienced soldiers. Nanjing fell on December 13. Despite this victory, Japan's hopes of ending the China Incident within three months were dashed. The carnage produced by the war, especially the Rape of Nanjing, left a profound moral stain on humanity. A mass exodus from the coastal provinces toward the hinterland began. People fled by boats, trains, buses, rickshaws, and wheelbarrows. Universities, factories, and ordinary households were moved halfway across China, step by step. The nation resolved to persevere, even in distant mountains and deserts if necessary. In Sichuan alone, government relief agencies officially registered about 9.2 million refugees during the war years.   Chiang Kai-shek, after paying respects at Sun Yat-sen's mausoleum, flew to Mount Lu with Song Meiling. The so-called Second Couple chose a more modest path: like most refugees, the Wang family traveled upriver along the Yangtze. On November 21, they left Nanjing, abandoning a recently renovated suburban home and thirty years of collected books. Coincidentally, the ship carrying Wang Jingwei from Nanjing to Wuhan was SS Yongsui, the former SS Zhongshan that had escorted Sun Yat-sen to safety and witnessed Wang's ascent and subsequent downfall from power. Ironically renamed "Yong-sui," the ship's new title meant "peace," while the compound term suijing denoted a policy of appeasement. This symbolism—Wang being carried away from Nanjing by a ship named "Eternal Peace"—foreshadowed his eventual return to the city as a champion of a "peace movement."   After the Mount Lu Forum, Hu Shi and Tao Xisheng could not return to Beiping, now under Japanese occupation. They joined the government in Nanjing. Beginning in mid-August, Japanese bombers began attacking Nanjing. Air power—an unprecedented weapon of mass destruction—humbled and awed a Chinese public largely unfamiliar with airborne warfare. By striking a target that did not serve its immediate interests, Japan demonstrated its world-class military might and employed psychological warfare against the Chinese government and people. Because Zhou Fohai's villa at Xiliuwan had a fortified cellar suitable as an air-raid shelter, a group of like-minded intellectuals and civil servants sought refuge there. They preferred a peaceful approach to the conflict, subscribing to the idea of trading space for time—building China's industrial and military capabilities before confronting Japan. Tao Xisheng and Mei Siping, old allies of Zhou Fohai, lived in his house. Another frequent guest was Luo Junqiang, an ex-communist. The former CCP leader Chen Duxiu, recently released from prison, joined their gatherings a few times. Gao Zongwu hosted another meeting site. Hu Shi, as a guest himself, jokingly called this circle the "Low-Key Club" (Didiao julebu), a label that underscored their pragmatic defiance of the government's high-flown rhetoric urging all-out resistance. Many members of this group would later become central figures in a conspiracy known as the "peace movement," with Wang Jingwei as its leader and emblem.   As Gerald Bunker noted, the peace scheme did not originate with Wang but with certain associates of Chiang, elements in Japanese military intelligence, and members of liberal-minded Japanese political circles who were linked to Konoe. Zhou Fohai belonged to the Chiang-loyalist CC faction, named for Chen Guofu and Chen Lifu. Zhou believed that resistance under current conditions was suicidal. He sought to influence Chiang through people around him, including Wang Jingwei, whom he found impressionable and began visiting at Wang's salon. Gao Zongwu, head of the Foreign Ministry's Asian Department, felt sidelined by Chiang's uncompromising stance. They shared the sense that Chiang might be willing to talk but feared the price, perhaps his own leadership. They were dismayed by the lack of a long-range war plan beyond capitulation. Their view was that China's battlefield losses would worsen the terms of any settlement, and that the war's outcome seemed to benefit Soviet Russia and undermine the GMD more than China itself. The rapid collapses of Shanghai and then Nanjing vindicated their pessimism. Chiang's autocratic decision-making only deepened their dissatisfaction. They feared China was again at risk of foreign conquest from which it might not recover.   Wang Jingwei became the focal point for these disaffected individuals, drawn by his pacifist leanings, intellectual temperament, and preference for consensus-building. After the government relocated to Hankou, he lent guidance to the Literature and Art Research Society (Yiwen yanjiu hui), a propagandist body led by Zhou Fohai and Tao Xisheng. Its purpose was to steer public opinion on issues like the war of resistance and anticommunism, and to advocate a stance that the government must preserve both peace and war as options. Many believed it to be Wang's private organization; in truth, Chiang supported its activities. For much of 1938, Chiang's belligerent anti-Japanese rhetoric and Wang's conciliatory push were two sides of the GMD's broader strategy.   Among the society's regional branches, the Hong Kong chapter flourished under Mei Siping and Lin Baisheng. In addition to editing South China Daily News, Lin established Azure Books and the International Compilation and Translation Society (Guoji bianyishe) as primary propaganda organs. Ironically, Mei Siping had himself been a radical during the 1919 student protests, when he helped set fire to the deputy foreign minister's house in protest of perceived capitulation to Japan.   Wang Jingwei also actively engaged in international efforts to broker peace between Japan and China, including Trautmann's mediation by the German ambassador. Since the outbreak of war, various Western powers had contemplated serving as mediators, but none succeeded. Nazi Germany, aligned with Japan in an anti-Soviet partnership, emerged as China's most likely ally because it did not want Japan to squander its strength in China or compel China to seek Soviet help. Conversely, Japan's interest lay in prolonging the war or achieving a swift settlement. Ambassador Trautmann met with Wang Jingwei multiple times from October 31 to early November 1937 to confirm China's preference for peace before negotiating with Japan. The proposal Trautmann carried to Chiang Kai-shek on November 5 proposed terms including autonomy for Inner Mongolia, a larger demilitarized zone in North China, an expanded cease-fire around Shanghai, a halt to anti-Japanese movements, an anti-communist alliance, reduced tariffs on Japanese goods, and protection of foreign interests in China. Although Japan did not specify territorial gains, these terms deviated significantly from Chiang's demand to restore pre–Marco Polo Bridge status. After Shanghai fell, Chiang's rigidity softened.   On December 5, at Hankou, the National Defense Conference agreed to begin peace negotiations based on Trautmann's terms, a decision Chiang approved. But it was too late: Nanjing fell on December 13, and a provisional Beiping government led by Wang Kemin was established, signaling Japan's growing support for regional separatism. On December 24, Japan issued an ultimatum for a harsher deal to be accepted by January 10. In response, Chiang resigned as chairman of the Executive Yuan on January 1, 1938, and was succeeded by his brother-in-law Kong Xiangxi. Chiang declared that death in defeat was preferable to death in disgrace and refused to yield under coercion. The Konoe Cabinet announced on January 16 that Japan would not negotiate with Chiang Kai-shek. Trautmann's mediation had failed.   After Konoe's announcement, mediation became even more precarious, as it placed the already deadly, no-win situation between the two nations in deeper jeopardy. Secret contacts between the two governments persisted through multiple channels—sometimes at the direction of their own leaders, other times at the initiative of a cadre of officials and quasi-official figures of dubious legitimacy. Many of these covert efforts were steered by Chiang himself. In late 1937, Wang Jingwei even sent Chen Gongbo to Rome to explore the possibility of Italian mediation between China and Japan. After meetings with Mussolini and Foreign Minister Ciano, Chen concluded that Italy had no genuine goodwill toward China and favored Japan. His conversations with other Western leaders (Belgium, France, Britain, and the United States) proved equally fruitless. In diaries, Zhou Fohai and Chen Kewen recorded a pervasive mood of pessimism among Hankou and Chongqing's national government factions. Although direct champions of negotiating with Japan were few, many voices insisted that China was on the brink of collapse while secretly hoping peace talks would begin soon. Gao Zongwu's mission emerged from this tense atmosphere.   With Konoe's cabinet refusing to negotiate with Chiang Kai-shek, many regarded Wang as the best candidate to carry forward a diplomatic solution. Yet Wang remained convinced of his loyalty to Chiang and to Chiang's policy. The Italian ambassador visited Wuhan to offer mediation between Wang and the Japanese government, an invitation Wang declined. Tang Shaoyi's daughter traveled to Wuhan to convey Tokyo's negotiation intent, but was similarly turned away. Even Chen Bijun, then in Hong Kong, urged Wang to join her and start peace negotiations; he again declined. Tao Xisheng remembered a quiet night when Wang confided in him: "This time I will cooperate with Mr. Chiang until the very end, regardless of how the war unfolds." His stance did not change when Gao Zongwu reported that the Imperial Japanese Army General Staff Office wanted him to head the peace talks.   Gao Zongwu's bid was brokered by Dong Daoning, head of the Japan Affairs Section in the Foreign Ministry. Shortly after Konoe's statement, Dong traveled to Shanghai to meet Nishi Yoshiaki, representative of Mantetsu, and Matsumoto Shigeharu, a Dōmei News Agency journalist. Nishi and Matsumoto then introduced Dong to Kagesa Sadaaki, head of the Strategy and Tactics Department in the General Staff Office. Kagesa introduced Dong to Deputy Director Tada Hayao and colleagues Ishiwara Kanji and Imai Takeo, who agreed that a peaceful resolution to the China crisis aligned with Japan's interests. It would be inaccurate to paint these figures as pacifists: Ishiwara, who helped build Manchukuo, also recognized that further incursions into China could jeopardize Japan's hard-won gains. They proposed a temporary resignation by Chiang to spare Konoe from having to retract his refusal to negotiate, thereby allowing Wang to lead the talks. In short, the scheme aimed to save face for Konoe.   Dong returned to Hong Kong and delivered the proposal to Gao Zongwu, who had been stationed there since February under Chiang's orders to oversee intelligence and liaison with Japan. Luo Junqiang, Gao's contact, testified that Gao was paid monthly from Chiang's secret military fund. Gao went back to Hankou twice, on April 2 and May 30. On the second trip, he personally conveyed Japan's terms to Chiang. Gao later admitted that Chiang never gave him explicit instructions, but rather cultivated an impression of tacit approval. At no point did Gao view the deal as Chiang's betrayal. As long as Chiang retained control of the military, Wang's leadership could only be nominal and temporary. Unbeknownst to Wang, Gao's personal ties to Chiang remained hidden from him; he learned of them only through Zhou Fohai. Startled, he handed the information to Chiang Kai-shek and told Tao Xisheng: "I cannot broker peace with Japan alone. I will not deceive Mr. Chiang." Given Tao's later departure from Wang's circle to rejoin Chiang, Tao's recollection could be trusted.   Two months later, Wang left Chongqing to pursue a peace settlement. A key factor may have been persistent lobbying by Zhou, Gao, Mei, Tao, and especially his wife Chen Bijun. Luo Junqiang recalled that Kong Xiangxi objected that Gao acted without him, prompting Chiang to order Gao to halt his covert efforts, an order Gao ignored. Gao and Mei Siping continued to press for a deal. Gao even spent three weeks in Japan in July, holding extensive talks with Kagesa Sadaaki and Imai Takeo. Their discussions produced the first substantive articulation of the Wang peace movement as a Sino-Japanese plot to end the "China incident." On November 26, Mei flew from Hong Kong to Chongqing with a draft of Japan's terms and Konoe's planned announcement. The proposal stated that the Japanese army would withdraw completely within two years once peace was reached, but it demanded that China formally recognize Manchukuo. Wang was to leave Chongqing for Kunming by December 5, then proceed to Hanoi. Upon Japan receiving news of his arrival in Hanoi, the telegram would reveal the peace terms. This pivotal moment threw Wang into intense inner turmoil. Zhou Fohai visited Wang daily, and Wang delayed decisively each time, much to Zhou's frustration. Ultimately, it seemed that Chen Bijun rendered the final judgment on Wang's behalf. As in earlier episodes, Wang found himself trapped by an idealized image of himself held by family, followers, and loyalists, seen by them as a larger-than-life figure who must undertake a mission too grand to fail.   Yet Wang's stance was not purely involuntary. As Imai Takeo noted, he fundamentally disagreed with Chiang's strategy of resistance. The so-called scorched-earth approach caused immense suffering. Three episodes stood out: the 1938 Yellow River flood, ordered by Chiang to impede Japan's advance, which destroyed dikes and displaced millions, yielding devastating agricultural and humanitarian consequences; the subsequent epidemics and famine that followed, producing about two million refugees and up to nine hundred thousand deaths, while failing to stop the Japanese advance toward Wuhan (which fell in October); and the Changsha fire, ignited in the early hours of November 13, which killed nearly thirty thousand people and devastated most of the city. These events sharpened Wang's doubts about Chiang's defense strategy, especially its reckless execution and cruelty. By late November, Wang began to openly challenge Chiang's approach, delivering a series of speeches advocating his own war-weariness and preference for limiting resistance to preserve national strength for future counterstrikes. He argued that guerrilla warfare burdened the people and wasted national resources that could be saved for a later, more effective defense. He urged soldiers to exercise judgment and listen to their consciences, and he attributed much of the civilian suffering to the Communists; nonetheless, with General von Falkenhausen, Chiang's German adviser, now urging a shift toward smaller-unit mobile warfare, Wang's critique of Chiang's strategy took on a more pointed, risksome tone. If resistance equaled total sacrifice, Wang was not prepared to endorse it. As Margherita Zanasi noted, Wang Jingwei and Chen Gongbo had long shared a vision of a self-consciously anti-imperial "national economy", the belief that China's economy had not yet achieved genuine nation-power and that compromising with the foe might be necessary to save the national economy.   Wang and Zhou also worried that continuing resistance would strengthen the Communists and that genuine international aid would not arrive, at least not soon. After Nazi Germany occupied Czechoslovakia, Wang briefly hoped for the formation of an antifascist democratic alliance. Yet the Munich Agreement disappointed him. Viewing Western democracies as culturally imperialist, he doubted they would jeopardize their relations with Japan, another imperial power, on China's behalf. This view was reinforced by Zhou Fohai and other China specialists who had recently joined Wang's circle; they argued that China would fall unless the international situation shifted dramatically. Their forecast would prove accurate only after Pearl Harbor.   In the end, Wang longed for decisive action. He had been sidelined since the government's move to Wuhan. At the GMD Provisional National Congress in Hankou (March 29–April 1), the party resolved to restore Chiang Kai-shek to near-total control by reasserting the authoritarian zongcai system. The Congress also established the People's Political Council as a nominal nod to democracy, but it remained largely consultative. Wang was elected deputy director and chairman of the council, yet he clearly resented the position. Jiang Tingfu described Wang's Hankou mood as "somewhat resentful," recognizing the role as largely ceremonial. More optimistic observers attributed his dismay to the return of dictatorship, and he likely felt increasingly useless. Since the Mukden Incident, Wang had prioritized party unity and been content to play a secondary role to Chiang, but inaction did not fit his sense of historical purpose. It was Zhou Fohai who urged Wang to risk his reputation for a greater cause, presenting a calculated nudge to someone susceptible to idealism. A longing to find meaning through action may have finally pushed him toward a fateful decision. As Chen Bijun bluntly told Long Yun, her husband "was merely an empty shell in Chongqing and could contribute nothing to the country; thus he wanted to change his surroundings."   Wang considered staying abroad as a serious option amid the Hanoi uncertainty. Gao Zongwu had previously told Japanese negotiators that if Konoe's stance did not satisfy Wang, he might head to France. Chongqing echoed this possibility. On December 29, Ambassador Guo Taiqi, acting on Chiang's orders, telegraphed Wang suggesting he go to Europe "to take a break." It would have offered a graceful exit. Kagesa recommended Hanoi as Wang Jingwei's midway station because, as a French colony, it offered a relatively safe environment. Only the French were armed there, and several members of the extended Wang family had grown up in France, enabling them to communicate with the colonial authorities.   After Wang departed for Hanoi, Long Yun hesitated for weeks. On December 20, he telegraphed Chiang, saying Wang had paused in Kunming on the way to Hanoi to seek medical treatment. Knowing this was untrue, Chiang replied on December 27 with a stern warning about Japan's unreliability, a message that appeared to have persuaded Long. A day later, Long urged leniency for Wang. Following Wang's publication of the "yan telegram," public anger likely pushed Long toward a final decision. On January 6, he informed Chiang of a letter from Wang delivered by Chen Changzu, and he noted that the Wangs were considering the French option, but recommended allowing Wang to return to Chongqing to show leniency and to enable surveillance.   Chiang replied two days later that Wang would be better off going to Europe. The extended Wang family resided in two Western-style mansions at 25 and 27 Rue Riz Marché, surrounded by high walls. On February 15, Chongqing's envoy Gu Zhengding brought their passports to Hanoi. Accounts differed on what happened next. One version had Wang offering to travel abroad if Chongqing accepted his proposal to start peace talks; if Chongqing remained indecisive, he would return to voice his dissent. Another version claimed Gu's primary task was to bring Wang back to Chongqing, which Wang declined, preferring France.   Although the French option was gaining favor, the Wang circle continued to explore other avenues. In early 1939, secret contacts with the Japanese government persisted, though not always in a coordinated way. Chiang's intelligence advised that the Wang group was forming networks in Shanghai and especially Hong Kong, with Gao Zongwu playing a central role. On February 1, Gao returned from Hong Kong and stayed for five days, finding Wang in a despondent mood. Wang asked Gao to pass along a few letters to Japanese leaders urging the creation of a unified Chinese government to earn the Chinese people's understanding and trust. Wang believed his actions would serve the best interests of both China and Japan. On March 18, the Japanese consulate in Hong Kong informed Gao that funding for the Wang group would come from China's customs revenues that Japan had seized.   Meanwhile, Chiang Kai-shek sensed a shift in the war's direction. On February 10, Japan seized Hainan, China's southernmost major island. The next day, Chiang held a press conference describing the development as "the Mukden Incident of the Pacific." He warned that Japan's ambitions could threaten British and French colonial interests and U.S. maritime supremacy. Gao Zongwu read the speech and concluded that Chiang's outlook had brightened.   For three months, the Wang circle met frequently to weigh options. The prominent writer and scholar Zhou Zuoren, who had already accepted a collaborationist post as head of the Beiping library, warned Tao Xisheng, saying "Don't do it," signaling his misgivings about collaborating with Japan based on his reading of Japanese politics. As Zhou observed, many young Japanese militarists did not even respect General Ugaki, let alone a foreign leader.   Then the assassination of Zeng Zhongming, Wang's secretary and protégé, abruptly altered the meaning of Wang's mission. The Wang group was deeply unsettled by Zeng Zhongming's assassination. The event came as a shock. On March 20, Gu Zhengding's second Hanoi visit concluded. Allegedly Gu delivered passports and funds for a European excursion. On a bright spring day, the entire Wang family enjoyed a lighthearted outing to Three Peaches Beach, only to be halted by a French officer who warned they were being followed. During their afternoon rest, a man posing as a painter, sent by the landlord to measure rooms for payment, appeared at the door and was turned away when he insisted on entering every room. More than twenty people in the household, none were armed.   Since January, Hanoi had been a hive of BIS activity. The ringleader was Chen Gongshu, a veteran operative under spymaster Dai Li, though Chen's recollections clashed with those of other witnesses, leaving the exact sequence unclear. Chen claimed their role was intelligence and surveillance until March 19, when an unsigned telegram from Dai Li ordered, "Severest punishment to the traitor Wang Jingwei, immediately!" The mission supposedly shifted. The Wang family was followed the next day but evaded capture in traffic, prompting a raid on the house. Reports varied: some said Wang resided on the second floor of No. 27; others suggested he lived in No. 25, with No. 27 used for day guests. The force entered the courtyard, forced open the door to Wang's room, and a getaway car waited outside. Chen, in the car, heard gunshots: initial shots toward a downstairs figure, then three shots through a bedroom door hacked open with an axe, aimed at a figure beneath the bed, believed to be Wang Jingwei. The team drove off after four to five minutes. Vietnamese police soon detained three killers who lingered in the courtyard and even listened in on a hospital call. Chen didn't realize the target had been misidentified until the next afternoon. Some BIS records suggested Wang and Zeng Zhongming had swapped bedrooms that night, a detail Chen doubted. Chen did not mention a painter's earlier visit.   There were competing accounts of the event with their numerous inconsistencies that fueled conspiracy theories. Jin Xiongbai outlined three possibilities: (1) the killers killed the "wrong person" as a warning to Wang Jingwei; (2) they killed Zeng to provoke Wang toward collaboration; or (3) the episode was always part of a broader Chiang-Wang collaboration plan.   In any case, Dai Li showed unusual leniency toward Chen Gongshu, who was never punished and later led the Shanghai station. After Dai Li's agent Li Shiqun was captured in 1941, Li not only spared Chen's life but recruited him on a double-agent basis for the remainder of the war, with Chen retiring to Taiwan. Chiang Kai-shek never discussed the case publicly or in his diary, and his silence was perhaps the strongest indication that he ordered the killing.   I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Wang Jingwei, once a key figure in China's resistance against Japan, grew disillusioned with Chiang Kai-shek's scorched-earth tactics during the Second Sino-Japanese War. Amid devastating events like the Yellow River flood and Changsha fire, which caused immense civilian suffering, Wang joined a peace faction advocating negotiation. Secret talks with Japanese officials led to his defection in 1938. He fled Chongqing to Hanoi, where an assassination attempt, likely ordered by Chiang, killed his secretary Zeng Zhongming instead.   

Many businesses obsess over getting more leads, but the real growth happens in what you do after the click. In this episode of Sharkpreneur, Seth Greene interviews Michael Elliot, Founder of Adtrain, who discusses how he built a seven-figure PPC agency starting with just $3,000 in the bank and no safety net. Drawing from his experience with depression, high-risk entrepreneurship, and rapid agency growth, Michael explains what most businesses get wrong about paid traffic, lead follow-up, and data attribution. This episode provides a candid look at how conversion rate optimization, automation, and honest operational discipline turn ad spend into real, scalable revenue. Key Takeaways:→ The greatest ROI improvements usually occur after the click, not from attracting more traffic. → Broken attribution and dirty data result in expensive, misleading decisions.→ Quick lead responses greatly boost conversion rates.→ Automation is most effective when it first addresses key business processes. → AI tools are only useful when connected to fundamentals, not just shiny objects. Michael Elliott is an expert in turning paid media and AI into systems that deliver predictable revenue. With 14 years of experience, he's renowned for transforming messy ad accounts, vague funnels, and operational bottlenecks into clean, scalable engines that founders can rely on. A Google Premier Partner and top 1% Upwork freelancer, Michael has managed £1.5M/month in ad spend, generated £67M+ in client revenue, and built multiple seven-figure businesses across advertising, AI automation, and the holiday-home industry. Michael's AI-driven systems have helped companies generate 600–800 leads per month with just one salesperson, leveraging workflows that streamline operations and accelerate response time. His approach focuses on adopting AI in ways that directly impact profit, such as improving qualification, routing, and follow-up—rather than getting distracted by flashy tools. Michael leaves audiences with actionable steps to apply immediately, helping them maximize their ROI. Connect With Michael:Website: https://adtrain.co.uk/

Law firm trust accounts don't belong in quickbooks. U.S. law firm owner doing $300k–$2M/year? Get a free Law Firm Profit & Tax Checkup where I review your books and tax setup and highlight a few ways similar firms are keeping more of what they earn. Book your checkup here: https://bigbirdaccounting.com

Jeffrey Epstein's Manhattan townhouse—one of the largest private residences in New York City—became a central location in many of the allegations brought by survivors who said they were trafficked and abused as teenagers. The mansion on East 71st Street was described in multiple lawsuits and depositions as a place where Epstein would bring young girls to meet him and, in some cases, powerful associates. Several accusers said they were recruited under the guise of providing massages, only to find themselves pressured into escalating sexual acts. Survivors described a system in which young girls were transported to the townhouse, introduced to Epstein, and then sometimes directed by his assistants to participate in encounters that prosecutors later described as part of a broader trafficking scheme. The home itself, filled with expensive artwork and unusual décor, was frequently mentioned in testimony as one of the primary settings where Epstein carried out the exploitation.Accounts from victims and witnesses portrayed the townhouse as more than just a private residence; they described it as a hub within Epstein's operation. Some survivors alleged that the building was used to host wealthy guests, where young women and girls were presented in social settings or sent upstairs to meet Epstein. Lawsuits also referenced Epstein's staff—including house managers and assistants—who were said to help manage the flow of visitors and victims. While many details remain disputed and the full scope of what occurred there has never been definitively established in court, the allegations tied to the Manhattan mansion have remained among the most disturbing elements of the broader Epstein case, illustrating how his wealth and access allowed him to operate for years within one of the most prominent neighborhoods in the United States.to contact me:bobbycapucci@protonmail.com

After you listen: Read more of Mark's insights in his article "7 Good Ideas for New Investors." Learn more about Investing Basics In this Financial Decoder minisode, Mark Riepe shares seven good ideas for new investors. The episode focuses on foundational investing concepts designed to be relevant in nearly any market environment. While the guidance is geared toward beginners, experienced investors may also find it useful as a refresher on long-term investing fundamentals. This episode emphasizes building a solid investing foundation rather than reacting to short-term market events. More resources mentioned in the episode: "What Is a Bond? Understanding Bond Types and How They Work" "The Role of Various Asset Classes in a Portfolio" "Comparing Education Savings Accounts" Other helpful Financial Decoder episodes: "How Should Your Goals Shape Your Portfolio?" "Do You Know These 7 Bond Market Basics?" "How Can You Set the Right Financial Goals?" "What Should Your Advisor Know About You?" Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Investing involves risk, including loss of principal. ​Past performance is no guarantee of future results. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0326-RCM9 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jagex tries to destroy OSRS and its up to us to stop them!! Or something like that tbh I wasnt rly paying attention, but we should definitely do a change.org #2   Join the community discord: www.Discord.gg/Wilderness   You can support the show at: www.Buymeacoffee.com/dilz  www.Patreon.com/TheWildernessPodcast Come hangout in-game in our clan 'Wild' Get in touch with us at TheWildernessPodcast@gmail.com

Jeffrey Epstein's Manhattan townhouse—one of the largest private residences in New York City—became a central location in many of the allegations brought by survivors who said they were trafficked and abused as teenagers. The mansion on East 71st Street was described in multiple lawsuits and depositions as a place where Epstein would bring young girls to meet him and, in some cases, powerful associates. Several accusers said they were recruited under the guise of providing massages, only to find themselves pressured into escalating sexual acts. Survivors described a system in which young girls were transported to the townhouse, introduced to Epstein, and then sometimes directed by his assistants to participate in encounters that prosecutors later described as part of a broader trafficking scheme. The home itself, filled with expensive artwork and unusual décor, was frequently mentioned in testimony as one of the primary settings where Epstein carried out the exploitation.Accounts from victims and witnesses portrayed the townhouse as more than just a private residence; they described it as a hub within Epstein's operation. Some survivors alleged that the building was used to host wealthy guests, where young women and girls were presented in social settings or sent upstairs to meet Epstein. Lawsuits also referenced Epstein's staff—including house managers and assistants—who were said to help manage the flow of visitors and victims. While many details remain disputed and the full scope of what occurred there has never been definitively established in court, the allegations tied to the Manhattan mansion have remained among the most disturbing elements of the broader Epstein case, illustrating how his wealth and access allowed him to operate for years within one of the most prominent neighborhoods in the United States.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

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In this Open Forum episode of the Main Street Business Podcast, Mark J. Kohler and Mat Sorensen answer real questions from business owners about taxes, investing, and scaling a successful company. From the brand-new “Trump accounts” for kids to real estate tax strategies and smart ways to grow your business, this episode breaks down complex financial topics into practical advice you can actually use.They explain how parents might use Trump accounts to create long-term wealth for their kids, including a powerful strategy to convert those accounts into Roth IRAs later in life. You'll also learn key tax strategies for high-profit business owners, including retirement plans, paying your kids through the business, real estate deductions, and how to balance tax savings with long-term wealth building.Plus, the discussion dives into real-world business growth strategies — like when to expand physical locations versus going virtual, how to attract better talent, and how to structure your business as it scales. If you're a small business owner looking for smarter tax strategies and better ways to grow your wealth, this episode is packed with insights.You'll learn:How the new “Trump accounts” for kids work and when they might still make sense even without the government contributionA strategy to convert a child's Trump account into a Roth IRA to potentially create decades of tax-free growthWhen paying your kids through your business can unlock powerful retirement strategies like a kid's Roth IRAKey tax strategies business owners with $500K+ in profit should consider to reduce taxes and build wealthHow retirement plans like a Solo 401(k) can help you shelter more income as your business growsWhy successful entrepreneurs balance tax savings with wealth-building investmentsThe difference between focusing on tax write-offs and focusing on long-term wealth creationGet a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!!Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp613-open-forum-trump-accounts-real-estate-and-growing-your-business Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

K-1 season can be confusing for real estate investors, especially when depreciation, passive losses, and capital accounts start showing up on your tax documents. In this episode, Nate and Tom break down the fundamentals of depreciation in real estate partnerships and how it impacts both general partners (GPs) and limited partners (LPs). They walk through how cost segregation studies accelerate deductions, why passive losses matter for investors, and how depreciation is allocated inside syndications. They also explain why capital accounts and outside basis determine whether investors can actually use the losses shown on their K-1 and why partnership operating agreements need to align with IRS rules like Section 704(b). Whether you're a syndicator structuring deals or an investor trying to understand your K-1, this episode provides a clear overview of how depreciation works inside real estate partnerships. Request a free discovery meeting: go.therealestatecpa.com/mlre Subscribe to the REI Daily Newsletter: go.therealestatecpa.com/mlresubscriber Get the Ultimate Guide for Real Estate Syndications: go.therealestatecpa.com/mlreultimateguide Submit your questions to: go.therealestatecpa.com/question The Major League Real Estate podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, investing, financial, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

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Market Logic Software sits at the intersection of market intelligence and enterprise AI — helping companies like Procter & Gamble and Unilever move from gut-feel decision-making to insights-driven operations. When Dirk Wolf stepped in as CEO five years ago, the business had impressive logos but a fundamental scaling problem: every customer had been co-built with, deeply customized, and operationally entangled. High retention masked an unsustainable model. In this episode of BUILDERS, Dirk breaks down how he restructured the GTM motion, made the deliberate choice to walk away from revenue that couldn't repeat, launched an AI product in Q2 2023 before most companies had a roadmap, and is now repositioning Market Logic as an agentic intelligence hub embedded inside enterprise infrastructure.Topics Discussed:The co-development trap: why deep enterprise relationships can become a scaling ceilingMaking the call to cut a government ARR contract to protect repeatabilityImplementing SaaS KPIs and customer segmentation from scratch inside an existing businessHow the marketing motion evolved — from executive roundtables to measured digital channelsBuilding a productive marketing-CFO relationship through outcomes and milestonesLaunching an AI product in Q2 2023 and tracking enterprise sentiment shift in real timeWhy the downstream ICP experiment failed and how they course-corrected fastThe vision for Market Logic as a proactive agentic system inside enterprise tech stacksGTM Lessons For B2B Founders:The co-development trap is a silent growth killer. Market Logic had strong retention and marquee customers — but had co-built so many bespoke solutions that the business couldn't replicate itself. No repeatable sales motion. No scalable delivery. When Dirk came in, he recognized that what looked like customer success was actually a ceiling. If your top accounts each required their own version of your product, you don't have a business yet — you have a services firm with SaaS ambitions. The fix starts with ruthless product scope decisions before you touch GTM.Cutting revenue is sometimes the GTM move. Dirk walked away from a US government contract — real ARR, on-prem, fully customized, no path to replication. The decision wasn't financial modeling, it was strategic clarity: you cannot build a repeatable motion while simultaneously maintaining one-off revenue that pulls engineering, CS, and leadership attention in a different direction. Most founders know this intellectually. Few actually do it. The willingness to let that revenue walk is what creates the conditions for scale.Segment by growth potential, not by decibel level. One of Dirk's first structural changes was introducing proper SaaS KPIs and customer segmentation — because without them, resources defaulted to whoever was loudest. That's almost always the smallest, most difficult accounts, not the ones with the most strategic upside. The discipline isn't just about where sales focuses. It cascades into product prioritization, CS allocation, and where leadership time actually goes. ICP isn't a marketing exercise — it's an operating model decision.// Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.ioThe Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co//Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

The governing board for the state’s third-largest school district will discuss eliminating more positions at Wednesday’s meeting, according to the meeting agenda. The 49 positions on the list are retirements or vacancies from classified positions, including 15 custodians, 14 nutrition services assistants and two bus drivers. Investigators contacted the Albuquerque homeowners to gather the home camera footage and information in an effort to track down William Neil McCasland, 68, who vanished without a trace from his home on Feb. 28, according to the Bernalillo County Sheriff’s Office. The attorney general relocated from a Washington apartment to a base in the area within the past month, according to people familiar with the situation. A new study shows that AI can identify the real people behind burner or pseudonymous accounts with surprising accuracy, posing a major threat to online anonymity. Large language models were able to deanonymize 68% of users in the test dataset — and when they did, the identifications were 90% accurate. Researchers from ETH Zurich, MATS, and Anthropic say AI can pull subtle “identity signals” from writing style, behavior patterns, and data matching, essentially breaking the long‑held assumption that burner accounts are safe. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

We've seen your questions and we're here to answer them! Are the new Trump Accounts worth using? How do they compare to other investment accounts for children? We answer these questions and more in our opening segment. Then we announce a new community building tool for Financial Mutants. Finally, we answer your questions (financial and beyond), including a rapid fire segment for both Rebie and Bo! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus, people like the new Samsung Galaxy S26, and why Meta bought Moltbook.Starring Tom Merritt and Sarah Lane.Links to stories discussed in this episode can be found here. Hosted on Acast. See acast.com/privacy for more information.

If you have children, you may have seen a prompt in TurboTax or other tax software about opening a Trump Account. But what exactly is a Trump Account, and is it right for your family? In this episode, we break down everything you need to know:Who is eligible and how to open a Trump AccountContribution limits, employer contributions, and federal seed moneyHow the accounts are invested and what restrictions applyImpact on financial aid and long-term planningReal-world examples and growth projections, including potential Roth IRA rolloversWe also discuss the pros and cons for families, including physicians, and why these accounts can be a powerful tool for passing wealth to the next generation,  if used strategically.By the end of this episode, you'll understand whether a Trump Account makes sense for your child and your family finances.Resources & Links:Official Trump Accounts info: https://trumpaccounts.govIRS Form 4547 instructions: https://www.irs.gov/instructions/i4547Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

Grab your copy of my book Charity Finance from A - ZCheck out ExpensePlus and sign up for a month's free trial and 10% off your first year's subscription, using my referral link http://expenseplus.co.uk/r/AI-BANCIn this episode, I respond to a question I hear often in boardrooms when presenting final accounts:“Why aren't the reserves shown on the face of the accounts?”It's a fair question, and a healthy one.But answering it requires translating between governance thinking and accounting structure, so that what I do - unpack 'reserves'.This episode is for trustees, chairs, treasurers, CEOs, and anyone responsible for financial oversight who wants to feel more confident reading charity accounts.KEY TAKEAWAYReserves are not a separate accounting line, they are part of unrestricted funds.Not all unrestricted funds are freely available; some may be designated or tied up in assets.The face of the accounts shows classification and not governance interpretation.Strong boards monitor reserves during the year, not just at year end.Questions Trustees Can Ask (about reserves)How many months of operating costs do those reserves cover?Are we meeting our reserves target? If not, what is the plan?What assumptions underpin our reserves policy?BEST MOMENTS“When trustees ask where the reserves are, it comes from responsibility.“If you want to understand reserves properly, look in three places.”“Reserves are not missing from your accounts, they're embedded within them.”ABOUT YOUR HOSTAishat operates her own bookkeeping and accounting services practice –BAnC Services – which focuses primarily on serving non-profits. Before founding her practice, she dedicated over two decades to the non-profit sector.With her podcast, Aishat shares practical insights and expertise to streamline financial management for non-profits, while also shining a light on the often unseen and unheard efforts that uphold the delivery of a non-profit's mission.She is the author of Charity Finance from A to Z“ – a practical guide designed to demystify finance for those working in the charity sector.Beyond her professional endeavours with non-profits, Aishat is deeply committed to supporting single mothers in navigating financial challenges and champions financial literacy among young Black adults. She thrives in conversations about money, empowerment, and purposeful work.Work with Aishat: www.bancservices.co.ukCONNECTInstagramTikTok

Most people think they know where their money goes each month… but when they actually run an expense audit, they find hundreds—sometimes thousands—of dollars quietly leaking out of their budget. Today we're walking through how to run a simple expense audit, how to find those leaks, and how to use a "value matrix" to decide what's worth keeping—and what's quietly draining your life and your wallet. Key Tactical Takeaways Conduct an Expense Audit: Review your expenses for February to March to identify spending leaks. Utilize the Value Matrix: Categorize expenses into high/low joy and high/low cost to optimize spending. Regular Check-ins: Establish a routine of auditing and reflecting on your spending habits to refine financial strategies over time. Core Rules & Formulas Rule/Formulas Description Expense Audit Evaluate your spending regularly to identify leaks or unnecessary expenditures. Value Matrix A four-quadrant tool to assess expenses based on joy and cost:   - High Joy, Low Cost (Best)   - High Joy, High Cost (Consider optimizing)   - Low Joy, Low Cost (Keep but examine)   - Low Joy, High Cost (Cut or trim) Save 50% Rule Aim for a 50% savings rate to ensure financial security and independence. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description Expense Audit Challenge Community initiative to assess spending from February to March. Value Matrix Tool for analyzing expenses to prioritize spending based on joy and cost. YNAB (You Need A Budget) Budgeting tool that tracks spending efficiently; useful for expense audits. Monarch Money Expense tracking tool integrated with financial accounts for easier audits. Resources & References ChooseFI Community Platform Take Action Start Your Expense Audit: Begin reviewing your expenses now to uncover potential leaks. Engage with the Community: Share your audit findings and strategies on the ChooseFI platform. Utilize the Value Matrix: Apply this framework to reflect on your spending and make informed decisions. Listen to Episode 586 for more details on initiating your expense audit and understanding its importance.

What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind?In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works.We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind.Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos. WE GET INTO:00:42 - Meet Sahirenys: Creator of the High 5 Banking Method02:14 - Growing Up Watching Her Parents Lose Everything in 200805:33 - From Pharmacy School to Financial Planning07:03 - Why Less Than 4% of CFPs Are People of Color09:04 - How Her Son's Heart Defect Inspired a Money System11:14 - Saving with Confidence: The Surgery Fund Story13:10 - How the System Held Up When Everything Went Wrong at Once14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where19:21 - Do All Your Accounts Have to Be at the Same Bank?20:25 - High-Yield Savings Accounts: Do You Actually Need Them?21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)27:00 - Managing Family Financial Pressure the Cultural Way30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense34:37 - The Four Game Changers for Running Your Household41:28 - Can Free-Spirited People Actually Use Systems?44:10 - What's Inside the BookKEY TAKEAWAYS:Why one checking and one savings account is keeping you stuckHow to set up five purpose-driven accounts without starting from scratchWhen to use high-yield savings — and when it doesn't actually matterHow to build an SOP so you're never scrambling financially in a crisisThe four household systems that eliminate the mental load of running a homeWhy financial systems aren't just about money — they're about protecting your familyCONNECT WITH SAHIRENYS:Instagram: @poisedfinanceandlifestyleWebsite: poisedlifestyle.comBook: The High 5 Banking Method — available at Barnes & Noble, Target, Walmart, and everywhere books are soldTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

This is a recap of the top 10 posts on Hacker News on March 08, 2026. This podcast was generated by wondercraft.ai (00:30): Ask HN: Please restrict new accounts from postingOriginal post: https://news.ycombinator.com/item?id=47300329&utm_source=wondercraft_ai(01:56): Agent Safehouse – macOS-native sandboxing for local agentsOriginal post: https://news.ycombinator.com/item?id=47301085&utm_source=wondercraft_ai(03:22): FrameBookOriginal post: https://news.ycombinator.com/item?id=47298044&utm_source=wondercraft_ai(04:48): Apple's 512GB Mac Studio vanishes, a quiet acknowledgment of the RAM shortageOriginal post: https://news.ycombinator.com/item?id=47296302&utm_source=wondercraft_ai(06:14): The changing goalposts of AGI and timelinesOriginal post: https://news.ycombinator.com/item?id=47299009&utm_source=wondercraft_ai(07:41): Ask HN: How to be alone?Original post: https://news.ycombinator.com/item?id=47296547&utm_source=wondercraft_ai(09:07): Cloud VM benchmarks 2026Original post: https://news.ycombinator.com/item?id=47293119&utm_source=wondercraft_ai(10:33): I ported Linux to the PS5 and turned it into a Steam MachineOriginal post: https://news.ycombinator.com/item?id=47296849&utm_source=wondercraft_ai(11:59): LibreOffice Writer now supports MarkdownOriginal post: https://news.ycombinator.com/item?id=47298885&utm_source=wondercraft_ai(13:26): Warn about PyPy being unmaintainedOriginal post: https://news.ycombinator.com/item?id=47293415&utm_source=wondercraft_aiThis is a third-party project, independent from HN and YC. Text and audio generated using AI, by wondercraft.ai. Create your own studio quality podcast with text as the only input in seconds at app.wondercraft.ai. Issues or feedback? We'd love to hear from you: team@wondercraft.ai

This week's episode of Dollars & Sense dives into the headlines shaking up the financial world—from the U.S. and Israel's military action in Iran and rising oil prices to the launch of new “Trump accounts” for minors and the dreaded IRMAA Medicare adjustments. Joel Garris and Rob Field break down the immediate market reactions, share personal stories (including a real-life gas price dilemma), and offer practical, calm action steps for investors facing uncertainty. Learn how historical market shocks recover, why diversification beats prediction every time, and what you need to know about setting up Trump accounts for your kids—including how to snag up to $1,000 free from the government. Plus, get expert insight on IRMAA: how your income can unexpectedly bump up Medicare premiums and shrink your Social Security check—along with proactive tips to avoid getting caught off guard. Whether you're worried about your portfolio, planning for your child's financial future, or wondering how to navigate Medicare surcharges, this episode is packed with timely advice and actionable strategies. Tune in for relatable stories, clear explanations, and a holistic approach to making sense of your dollars in uncertain times. Don't miss out—your financial peace of mind might be just one listen away. 

Drew is joined by Leo this week as they talk to callers and answer questions regarding tax advantages of solar energy, tax loss harvesting, taxation of US saving bonds, HSAs, and more! Download and enjoy! 

We're updating you today on some of the changes that have been coming down the pipeline from the #onebigbeautifulbill including taxes, K-12 qualified education expenses and more!Feat Jordan Ireland & Julie ChadwickSubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contactSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter

Most American investors don't realize that their brokerage relationship often "breaks" the moment they move overseas. In this episode of Gimme Some Truth, we discuss why U.S. retail brokerages are closing expat accounts and how to choose the right custodian before you relocate.From FATCA compliance to the "liquidation-only" trap, we break down the complexities of being a U.S. person living abroad. We also expose the dangers of using a "fake" U.S. address (like a relative's house) and why that strategy can lead to massive tax and legal headaches.What You'll Learn:- The FATCA Factor: Why foreign banks don't want U.S. clients and why U.S. banks don't want foreign addresses.- Account Freezes: Why your brokerage might give you a 30-day notice to move your assets.- The "Address Trap": The risks of using PO Boxes or family addresses to keep your account open.- Retail vs. Institutional: Why advisor-sponsored platforms often have broader international capabilities than standard retail accounts.- Country-Specific Rules: Why the "best" brokerage for an expat in Germany might be different than one in Japan.https://usexpatinvesting.com/blog/what-is-the-best-brokerage-for-expats/Timestamps:0:00 Welcome: The Expat Investing Crisis0:45 Why your current brokerage might not work abroad2:09 FATCA Explained: The pressure on expat banking3:40 Why there is no "one-size-fits-all" solution4:39 The Dangers of "Fake" U.S. Addresses6:31 Essential planning steps BEFORE you move8:47 Retail vs. Advisor-Led Institutional Accounts11:21 Why brokerages "kick out" international clients13:22 How to be proactive with your expat wealth14:24 Disclosures & Wrap UpRead the corresponding blog for more details: Are you planning a move or already living abroad? Our team specializes in cross-border wealth management. www.usexpatinvesting.com#ExpatInvesting #USExpats #FATCA #FinancialPlanning #MovingAbroad #CrossBorderWealth #BrokerageAccountsSUBSCRIBE: @usexpatinvestingFor more on this topic and others check out the blog on our website: https://usexpatinvesting.com/blog/Visit our website for more financial planning resources and educational information: https://www.usexpatinvesting.com————————————————ADD US ON:LinkedIn: https://linkedin.com/company/walkner-condon-financial-advisors-llc Facebook: https://facebook.com/usexpatingvesting

Nederlandse inlichtingendiensten waarschuwen dat Russische hackers accounts op Signal en WhatsApp van overheidsmedewerkers, militairen en journalisten hebben overgenomen. Niet door de encryptie te breken, maar door slimme social-engineeringaanvallen: slachtoffers werden verleid om verificatiecodes of QR-codes te delen. Daarmee konden aanvallers toegang krijgen tot privéchats en groepsgesprekken. In deze aflevering bespreken we hoe deze aanval werkt en waarom zelfs versleutelde chatapps geen garantie zijn voor veilige communicatie.

237c continues firsthand accounts from Fort Donelson. https://cwweeklypod.wixsite.com/my-site*Mobile capability through the app Spaces by Wix. Patreon: https://www.patreon.com/CWweeklypod

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In this Five Question Friday (FQF) video, we cover these questions: 1. How to teach your significant other to manage the investments? (The Spouse Financial Survival Kit)   1. Start with a One-Pager      a. Accounts      b. Key Professionals      c. Withdrawal Order      d. Financial Overview Doc: https://docs.google.com/document/d/1W...   2. Financial Love Letterhttps://docs.google.com/document/d/1q...  3. Review the documents once a year2. When to Take RMDs?    1. Timing doesn't change amount (the amount is based on balance at end of last year)    2. RMDs must come before Roth conversions        a. https://obliviousinvestor.com/rmd-tim...   3. Take QCDs first if you plan to have them count toward RMDs   4. If needed for spending, take as needed (monthly or quarterly)   5. If not, wait until later in the year3. How can I see the stocks owned by a target date retirement fund?    Morningstar Investor: https://go.robberger.com/morningstar/4. How do you keep track of HSA expenses?https://docs.google.com/spreadsheets/...5. Why haven't I done a Roth conversion yet?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

One in ten women are also being harmed. Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved, visit LC.org.

Hi besties!!! We've got a Trail Creepy Account Tales Episode for you, which is the final part of our collab with National Park After Dark (for now MUAHAHAHAHA)!! Today, we have everything from a psycho screaming fox to an outdoorsmen serial killer and a crazy ass raccoon standoff to taking your bad ass dogs (we're looking at you Rudy) on hikes!!! We had such an amazing time with Cassie and Danielle and cannot wait to spend more time with them in the future! Make sure you tune into their show wherever you get your podcasts, and we will do this again soon!! All the love in the world for ya, besties!!! xoxoxoxo Head to https://Brodo.com/CACBESTIES for 20% off your first subscription order and use code CACBESTIES for an additional $10 off #ad #sponsor ---------------------- Need to Call Susan (Angel Wings and Healing Things)? Text Ellen at 704-562-3476 to book!! Make sure to tell her we sent you for a Besties only Special discount!! If you have a Creepy Account of your own you would like to submit, you can go to our Reddit (CreepsandCrimes) or email it to us at CREEPSANDCRIMES.CA@GMAIL.COM Creeps and Crimes Merch: ⁠⁠https://creepsandcrimesmerch.com/⁠⁠ Join our OG Pick Me Cult (Patreon): ⁠⁠https://patreon.com/creepsandcrimes⁠⁠ SUBSCRIBE AND SUPPORT WHEREVER YOU GET YOUR PODCASTS: - Apple Podcast: ⁠⁠https://podcasts.apple.com/us/podcast/creeps-and-crimes/id1533194848⁠⁠ - Spotify: ⁠⁠https://open.spotify.com/show/0v2kntCCfdQOSeMNnGM2b6?si=bf5c137913dd4af7⁠⁠ - Youtube: ⁠⁠https://youtube.com/@creepsandcrimespodcast?si=e6Lwuw6qvsEPBHzG⁠⁠ Business Inquiries please contact Management: ⁠⁠maggie@MRHentertainment.com⁠⁠ FOLLOW US ON SOCIALS: Creeps and Crimes Podcast - Insta: ⁠⁠https://www.instagram.com/creepsandcrimespodcast/?hl=en⁠⁠ - Facebook: ⁠⁠https://www.facebook.com/creepsandcrimespodcast/⁠⁠ - TikTok: ⁠⁠https://www.tiktok.com/@creepsandcrimes⁠⁠ Taylar Jane (True Crime Host) - Insta: @Taylarj - TikTok (True Crime Channel): @TaylarJane98 - TikTok (Personal): @TaylarJane1 Morgan Harris (Paranormal & Conspiracy Host) - Insta: @morgg.m - Tiktok: @morgg.m Want More Info? Check out our Website: ⁠⁠www.creepsandcrimespodcast.com⁠⁠ Send Us Mail & Fan Art to our PO Box!!! CREEPS AND CRIMES PODCAST PO BOX 11523 KNOXVILLE, TENNESSEE 37939 Have a Creepy Account You'd like to share and be featured on the Podcast? Email it to: ⁠⁠CreepsAndCrimes.CA@gmail.com⁠⁠ Submit it through the Portal on our Website (Listed above) or Post in on our Reddit Thread with the tag "creepy account" Love our TBB episodes and want to get in on the Action or submit an AIMS? Head over to our Reddit Community: @creepsandcrimes Need to contact us or request sources? Email us at ⁠⁠creepsandcrimespodcast@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this episode of the AAF Exchange: the housing market, Trump Accounts, and energy costs. Joining us to discuss it all are AAF President Douglas Holtz-Eakin, Director of Financial Services Policy Thomas Kingsley, Director of Competition Policy Fred Ashton, and Director of Energy and Environmental Policy Shuting Pomerleau.

AP correspondent Ed Donahue on the rush to get away from the fighting in the Middle East.

Today we're talking about Instagram accounts midlife women will enjoy following!  I'm a fan recommendations Mindy's jelly Julie's curtains Marie's show We'd love to hear from you! Find us here: Instagram: Midlife Matters Podcast Website: midlifematterspodcast.com Email: midlifematterspodcast@gmail.com  

Here is a question that should keep every sales leader up at night: What do you do when your team has gotten so comfortable managing their existing accounts that they have stopped prospecting for new ones? That is the challenge Jeff Velez brought to a recent episode of Ask Jeb. Jeff works in the real estate services industry, where referrals from agents, brokers, and affiliates drive most of the business. Retention matters. Relationships matter. But because there is always natural attrition, his team has drifted into full farmer mode. If you are shaking your head right now, you are not alone. This is one of the most common and most dangerous patterns I see in sales organizations today. The Farmer Mentality Is Killing Your Pipeline Your book of business is shrinking a little bit every single day. Accounts churn. Contacts leave. Referral partners move on. If your team is not consistently bringing in new logos, you are not standing still. You are moving backward. The reason salespeople drift into pure farming mode is just pure human nature. The bigger a rep’s book gets, the more comfortable they become. They are making money. Things are fine. Why grind through cold calls and new outreach when warm conversations with happy clients feel so much easier? And here is the other thing: calling invisible strangers is hard. The people in your existing accounts are happy to hear from you. The people you are prospecting to are not. That gap in friction is exactly why reps gravitate toward the path of least resistance every single time. The solution is not to yell at your salespeople. This is a leadership problem, not a salesperson problem. If you want your team to prospect, you have to build a system and a culture that makes prospecting non-negotiable. That starts with you. Leaders Are Repeaters If you want your team to prospect, you have to talk about it constantly. Every team meeting. Every one-on-one. Every morning huddle. Leaders are repeaters. You set the tone by what you say, what you measure, what you celebrate, and how you show up. That means when someone brings in a new logo, you ring the bell louder for that than you do for an account renewal. Renewals matter. High margin, great for the business. But if you want prospecting behavior, you have to reward and celebrate prospecting outcomes. Make sure you are not accidentally incentivizing people to farm existing account growth rather than hunt new business. That is a trap I have walked into with more organizations than I can count. You also need to take the guesswork out of who your team should be calling. Sales leaders who expect their reps to build their own prospecting lists and figure out their own targeting are setting their people up to fail. Build the list. Point them in the right direction. Get them in position to win. Then run prospecting blocks together. And I mean together. Do not send your team to the phones and retreat to your office. Lead from the front. Split the Job When You Can One of the hardest things about managing a referral-driven or relationship-heavy business is that you need people who can both hunt and farm. And the honest truth is that most people are not equally gifted at both. Hunters tend to get new business but sometimes burn relationships. Farmers build and maintain accounts beautifully but stop hunting the moment their book is comfortable. If your business can afford it, split the role. Have dedicated hunters focused on new logo creation. Have dedicated farmers or account managers focused on retention and expansion. Most small and mid-size organizations cannot do this fully, which means your leaders have to work twice as hard to build systems that force both behaviors. When you cannot split the job, you have to build structure into the day. Block time every morning specifically for new logo prospecting. It does not have to be a huge window. An hour. Two hours. But it has to be protected, consistent, and non-negotiable. And the leaders have to be visibly engaged in it, not hiding behind their screens while their people make calls. That single behavior sends more of a message than any speech ever will. This Is a Long Game Here is what I told Jeff, and what I will tell you: do not expect this to change overnight. Cultural shifts in sales organizations are slow and painful. You will have reps who resist. You will have leaders who get uncomfortable holding people accountable because they do not want the friction. Push through it anyway. Stake it in the ground. If you stay consistent in your messaging, your structure, and your expectations, you will start to see movement in twelve to eighteen months. New business will start coming in. Your team will start to feel the momentum. And that momentum builds on itself. I am dealing with this in my own organization right now. We got comfortable with our existing customers and pulled back on new outreach. The book feels fine until the day it does not, and by then you have already lost ground you cannot easily recover. A shrinking book is not sustainable. Full stop. Your Action Plan If you are a sales leader: Reset the expectation now. Make it clear that prospecting for new logos is part of the job description, not optional. Put it in writing. Talk about it constantly. Fix your compensation structure. If you are paying higher on renewals than on new business, fix that. You are paying for the behavior you are getting. Run prospecting blocks with your team. Not near your team. With your team. Lead from the front. Give them the list. Stop expecting reps to research, target, and build their own outreach pipeline. That is a leadership function. Celebrate new logos loudly. Ring the bell. Make it a bigger deal than anything else you celebrate. If you are a sales rep: Do not wait for your leader to force you. The reps who prospect consistently, even when their book is comfortable, are the ones who build the most durable careers. Treat your book like a leaky bucket. Something is always draining out. Your job is to fill it back up, every single day. Pick up the phone. Calling strangers is uncomfortable. Do it anyway. That discomfort is exactly what separates average reps from elite ones. The message is simple. A book of business that is not growing is a book of business that is dying. This is who we are. This is what we do. We prospect, every day, without exception. Want to take this to the next level in person? Join Sales Gravy at one of our live events, where we work with sales professionals and leaders to build the skills, mindset, and habits that drive elite performance. See all upcoming events at salesgravy.com/live.

I don't see anyone else talking about this, but it is absolutely crucial for anyone creating content in 2026. We should see ourselves mirrored in your hooks. So many people are missing this when they post, creating content that people simply consume instead of content they actually see themselves in. Taste driven content goes beyond simple product recommendations, it directly taps into our identities of who we are and who we want to be. So next time you start to tap post, I want you to ask yourself, will this grab their attention by taste alone? In this episode we'll be covering:How taste driven content makes your audience feel seen and connected when they are scrolling (solving 99% of your Instagram marketing problems!?)Examples of irresistible hooks, visual cues, and specific callouts that instantly align your brand with the people you truly want to serve. Creating value through connection and making sure people feel seen in your content.Using visual storytelling (B-roll, branding, and aesthetics) to quickly grab attention on Instagram and TikTok.Naming your audience's taste with identity call outs, building instant connection and engagement.Featured content in this episode:Jkb.journal: Your cleaner shouldn't need a warning labelJessandmissamelia: POV She kept you up all nightKaivalondon: Milestone ring stackBerlingerjewelry: Normalize smaller engagement ringsHenryjwade: Do you want to go camping?Lauramvila: When I say I want a big candleVivianshayhome: I'm an artist kitchen remodelRecommended episodes:Episode 19: Convert Viewers to Followers with the “That's Me” ReelEpisode 83: Use the REP Hook Formula and Start Filling in the Missing PiecesEpisode 92: This is the Era of Experiences and BelongingEpisode 96: Boost Retention Rates and Create Memorable Content that Feels HumanEpisode 97: We All Love Familiarity, Here's How to Create that Familiar Feeling in Your Content Episode 100: Use Identity Driven Content to Connect and Engage with Your AudienceSend a message!If you use the send a message option above, be sure to include your email address if you would like a reply! (Please allow 3-5 business days for a response) Join me in the Reels Lab! Love this conversation? Make sure to follow and subscribe so you never miss an episode. Connect with me on Instagram!

If you watched President Trump's recent State of the Union address, you probably heard about the new Trump accounts, also known as 530A accounts. In this episode, I break down how these tax-advantaged investment accounts are designed to work, who qualifies, and—just as importantly, what we still don't know. There's been a lot of excitement, especially around the $1,000 seed money for eligible children. But before you rush to open one, there are several unanswered questions that deserve your attention.   What Are Trump Accounts—and Who Qualifies? Trump accounts were introduced under the 2025 "Big Beautiful Bill Act" and are designed to help U.S. children build long-term wealth. Parents, grandparents, and others can contribute up to $5,000 per year per child until age 18. To jumpstart participation, children born between January 1, 2025, and December 31, 2028, are eligible for a $1,000 federal seed contribution. Unlike a Roth IRA, these accounts do not require earned income to contribute. That's a major difference. Most children can't fund retirement accounts because they don't have income. These accounts are meant to give them a head start from birth. To qualify, a child must be a U.S. citizen, have a valid Social Security number, and be under age 18. Parents can apply either by filing IRS Form 4547 with their 2025 tax return or by visiting trumpaccounts.gov.   You'll Want to Hear This Episode If You're Interested In… [01:00] How the $5,000 annual contribution limit works [01:45] Why these accounts don't require earned income [02:35] How to open an account through your tax return or online [03:00] The upcoming authentication process in May 2026 [03:40] Whether you can invest in individual stocks like Nvidia or Tesla [04:30] Why Treasury guidance suggests broad index funds instead [05:10] Whether billions in seed money could move the stock market [06:00] Which financial institutions may (or may not) offer these accounts [07:45] Potential gift tax filing requirements for contributions [08:45] How withdrawals at age 18 might be taxed   The Investment Confusion and Market Impact One of the biggest points of confusion right now is how the funds will actually be invested. The Trump accounts website shows mockups featuring individual stocks like Nvidia, Caterpillar, Home Depot, and Tesla. That certainly grabs attention. But Treasury guidance suggests investments may be limited to broad U.S. equity index funds or mutual funds, not individual stocks. If that holds true, I actually think that may benefit most investors. Broad-based index funds have historically outperformed many individual stock pickers over time. But it's important to understand what you're signing up for before you contribute. Another question I address is whether these accounts could meaningfully impact the stock market. With over 3 million sign-ups already, the initial $1,000 seed funding could total more than $3 billion. Add in private contributions and potential employer matches, and that number could grow to $7–8 billion invested when markets reopen after July 4. That sounds significant, but compared to total daily trading volume, it's less than 2%. It may provide a small positive impact, but it's unlikely to cause a dramatic market surge.   Taxes, Custodians, and the Big Unknown at Age 18 There are still major tax questions. Because contributions are considered gifts and the child doesn't have immediate access to the funds, this could create gift tax reporting complications. Even if contributions fall under the $19,000 annual exclusion (for 2026), a gift tax return may still be required due to the lack of "present interest." Then there's the big question: how will withdrawals be taxed at age 18? There's no upfront deduction for contributions, which means this isn't structured like a traditional IRA. But it's also not clearly a Roth. My expectation is that only the gains will be taxed, but we don't yet know whether that will be ordinary income or capital gains. Until we get final guidance, I strongly believe record-keeping will be critical. Track contributions carefully. If custodians change or records are lost, your child could face unnecessary tax complications later. For now, here's what we do know: if your child, or a grandchild, niece, or nephew, qualifies for the $1,000 seed money, make sure the account gets opened. Even with unanswered questions, that initial funding is meaningful.   Resources Mentioned TrumpAccounts.gov RetireWithRyan.com Retirement Readiness on Demand Discount Code: RETIRE99 Connect With Ryan Subscribe to the Retire With Ryan YouTube Channel Download my entire book for FREE

Money Talks is hosted by Ryder Taff, Managing Partner at New Perspectives and Meredith DeLaune, financial analyst at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, we talk about Trump accounts; what they are and how they work. If you enjoy listening to this podcast, please consider contributing to MPB. https://donate.mpbfoundation.org/mspb/podcast Hosted on Acast. See acast.com/privacy for more information.

Cody Garrett provides an in-depth analysis of the changing landscape of health insurance in the U.S., focusing on the Affordable Care Act (ACA) and adjustments to premium tax credits. He emphasizes the critical role that zip codes play in determining healthcare costs and highlights the importance of understanding the 400% federal poverty level cliff, which poses financial risks for many families. Various health insurance options are discussed, including COBRA, retiree coverage, health sharing ministries, and private insurance, equipping listeners with vital insights for making informed healthcare decisions. Listeners will learn actionable strategies for tax planning related to health insurance, including how to maximize benefits and minimize costs while navigating available healthcare options effectively. Key Tactical Takeaways Understand Income Levels: Monitor your income to avoid going over the 400% federal poverty level, which can eliminate premium tax credit eligibility. Evaluate COBRA Costs: Review code DD on your W-2 to understand total health insurance premiums and assess whether continuing with COBRA is financially wise. Explore Health Sharing Ministries: These may have lower premiums but lack the legal protections of traditional insurance; evaluate carefully. Use HSA Contributions: Contribute to Health Savings Accounts to lower taxable income and potentially maintain premium tax credits; you can contribute even without earned income. Utilize Marketplace Resources: Access healthcare.gov to determine premium tax credits based on your specific circumstances, including zip code and household income. Be Cautious with Tax Planning: Adjust advanced premium tax credits based on estimated income cautiously to avoid unexpected tax liabilities. Core Rules & Formulas Rule/Formula Description 400% Poverty Level Threshold Know the household income limits that could affect premium tax credits. COBRA Cost Calculation Employee + Employer Premium (W-2 code DD x 102%) = COBRA Costs. HSA Contribution Can lower modified adjusted gross income; contribute by April 15 without earned income requirements. Premium Tax Credit Calculation Estimated Credit = Based on adjusted gross income, household size, and the second lowest-cost silver plan. Adjust Premium Tax Credits You can change the advanced credit amount month-to-month via healthcare.gov. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description healthcare.gov Website for ACA marketplace and health insurance options. Health Savings Account (HSA) Account for saving for healthcare costs that reduces taxable income. COBRA Coverage Allows continuation of employer health insurance post-employment. Health Sharing Ministries Group healthcare cost-sharing options that offer lower premiums but higher risk. Private Insurance Individual insurance plans that require medical underwriting. Resources & References Tax Planning to and Through Early Retirement Cody's Website What Next? Review your income and health insurance options during open enrollment. Assess your COBRA costs by checking your W-2 for current premium data. Explore HSA contributions to manage your taxable income prudently. Adjust advanced premium tax credits through healthcare.gov based on changes in your financial situation. For further clarity on health insurance strategies, consider consulting a financial planner to avoid potential costly mistakes.

Last time we spoke about General Zhukov's armor offensives at Nomohan. Following heavy Japanese losses in May and June, General Georgy Zhukov arrives in June, reorganizes the Soviet 1st Army Group, and bolsters it with tanks, artillery, and reinforcements. The July offensive sees General Komatsubara's forces cross the Halha River undetected, achieving initial surprise. However, General Yasuoka's tank assault falters due to muddy terrain, inadequate infantry support, and superior Soviet firepower, resulting in heavy losses. Japanese doctrine emphasizing spiritual superiority clashes with material realities, undermining morale as intelligence underestimates Soviet strength. Zhukov learns key lessons in armored warfare, adapting tactics despite high casualties. Reinforcements pour in via massive truck convoys. Japanese night attacks and artillery duels fail, exposing logistical weaknesses. Internal command tensions, including gekokujo defiance, hinder responses. By August, Stalin, buoyed by European diplomacy and Sorge's intel, greenlights a major offensive. Zhukov employs deception for surprise. Warnings of Soviet buildup are ignored, setting the stage for a climactic encirclement on August 20.   #191 Zhukov Steel Ring of Fire at Nomohan Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. On the night of August 19–20, under cover of darkness, the bulk of the Soviet 1st Army Group crossed the Halha River into the expanded Soviet enclave on the east bank. Two weeks of nightly Soviet sound effects had paid off: Japanese perimeter troops failed to distinguish the real deployment from the frequently heard simulations. Zhukov's order of battle was as follows: "Northern force, commanded by Colonel Alekseenko—6th Mongolian Cavalry Division, 601st Infantry Regiment (82nd Division), 7th Armored Brigade, 2 battalions of the 11th Tank Brigade, 82nd Artillery Regiment, and 87th Anti-tank Brigade. Central force, where Zhukov was located, commanded by his deputy, Colonel Petrov—36th Motorized Infantry Division, 82nd Infantry Division (less one regiment), 5th Infantry Machine Gun Brigade. Southern force, commanded by Colonel Potapov—8th Mongolian Cavalry Division, 57th Infantry Division, 8th Armored Brigade, 6th Tank Brigade, 11th Tank Brigade (less two battalions), 185th Artillery Regiment, 37th Anti-tank Brigade, one independent tank company. A mobile strategic reserve built around the 212th Airborne Regiment, the 9th Mechanized Brigade, and a battalion of the 6th Tank Brigade was held west of the Halha River." The Soviet offensive was supported by massed artillery, a hallmark of Zhukov's operations in the war against Germany. In addition to nearly 300 antitank and rapid-fire guns, Zhukov deployed over 200 field and heavy artillery pieces on both sides of the Halha. Specific artillery batteries were assigned to provide supporting fire for each attacking infantry and armored unit at the battalion level and higher. In the early hours of August 20, the sky began to lighten over the semiarid plain, with the false promise of a quiet Sunday morning. The air was clear as the sun warmed the ground that had been chilled overnight. General Komatsubara's troops were in no special state of readiness when the first wave of more than 200 Soviet bombers crossed the Halha River at 5:45 a.m. and began pounding their positions. When the bombers withdrew, a thunderous artillery barrage began, continuing for 2 hours and 45 minutes. That was precisely the time needed for the bombers to refuel, rearm, and return for a second run over the Japanese positions. Finally, all the Soviet artillery unleashed an intensive 15-minute barrage at the forwardmost Japanese positions. Komatsubara's men huddled in their trenches under the heaviest bombardment to which they or any other Japanese force had ever been subjected. The devastation, both physical and psychological, was tremendous, especially in the forward positions. The shock and vibration of incoming bombs and artillery rounds also caused their radiotelegraph keys to chatter so uncontrollably that frontline troops could not communicate with the rear, compounding their confusion and helplessness. At 9:00 a.m., Soviet armor and infantry began to move out along the line while their cover fire continued. A dense morning fog near the river helped conceal their approach, bringing them in some sectors to within small-arms range before they were sighted by the enemy. The surprise and disarray on the Japanese side was so complete, and their communications so badly disrupted, that Japanese artillery did not begin firing in support of their frontline troops until about 10:15 a.m. By then, many forward positions were overrun. Japanese resistance stiffened at many points by midday, and fierce combat raged along the front, roughly 40 miles long. In the day's fighting, Colonel M. I. Potapov's southern force achieved the most striking success. The 8th MPR Cavalry Division routed the Manchukuoan cavalry holding Komatsubara's southern flank, and Potapov's armor and mechanized infantry bent the entire southern segment of the Japanese front inward by about 8 miles in a northwesterly direction. Zhukov's central force advanced only 500–1,500 yards in the face of furious resistance, but the frontal assault engaged the center of the Japanese line so heavily that Komatsubara could not reinforce his flanks. Two MPR cavalry regiments and supporting armor and mechanized infantry from Colonel Ilya Alekseenko's northern force easily overran two Manchukuoan cavalry units guarding the northern flank of the Japanese line, about 2 miles north of the Fui Heights. But the heights themselves formed a natural strong point, and Alekseenko's advance was halted at what became the northern anchor of the Japanese line. As the first phase of the Soviet offensive gathered momentum, General Ogisu, the 6th Army's new commander, assessed the situation. Still unaware of Zhukov's strength, he reassured KwAHQ that "the enemy intends to envelop us from our flanks, but his offensive effectiveness is weak… Our positions in other areas are being strengthened. Set your mind at ease." This optimistic report contributed to Kwantung Army's delay in reinforcing the 23rd Division. Some at KwAHQ suspected this might be another limited Soviet push, like Aug 7–8, that would soon end. Others worried it was a diversion prior to a larger offensive and were concerned but not alarmed about Komatsubara's position. On Aug 21–22, Potapov's southern force pierced the Japanese main defense line at several points, breaking the southern sector into segments that the attackers sealed off, encircled, and ground down. Soviet armor, mechanized infantry, and artillery moved swiftly and with deadly efficiency. Survivors described how each pocket of resistance experienced its own hellish period. After the Japanese heavy weapons in a pocket were neutralized, Soviet artillery and tanks gradually tightened the ring, firing at point-blank range over open sights. Flame-throwing tanks incinerated hastily constructed fortifications and underground shelters. Infantry mopped up with grenades, small arms, and bayonets. By the end of Aug 23, Potapov had dismembered the entire Japanese defensive position south of the Holsten River. Only one significant pocket of resistance remained. Meanwhile, Potapov's 8th Armored Brigade looped behind the Japanese, reaching southeast of Nomonhan, some 11 miles east of the river junction, on the boundary claimed by the MPR, and took up a blocking position there athwart the most likely line of retreat for Japanese units south of the Holsten. In those two days, the Japanese center yielded only a few yards, while the northern flank anchored at Fui Heights held firm. Air combat raged over the battlefield. Soviet air units provided tactical support for their armor and infantry, while Kwantung Army's 2nd Air Group strove to thwart that effort and hit the Soviet ground forces. Before Nomonhan, the Japanese air force had not faced a modern opponent. Japanese fliers had roamed largely unchallenged in Manchuria and China from 1931 to 1939. At Nomonhan, the Soviets enjoyed an advantage of roughly 2:1 in aircraft and pilots. This placed an increasingly heavy burden on Japanese air squadrons, which had to fly incessantly, often against heavy odds. Fatigue took its toll and losses mounted. Soviet and Japanese accounts give wildly different tallies of air victories and losses, but an official Japanese assessment after the battle stated, "Nomonhan brought out the bitter truths of the phenomenal rate at which war potential is sapped in the face of superior opposition." As with tank combat, the Soviet air superiority was qualitative as well as quantitative. In June–early July, the Soviet I-16 fighters did not fare well against the Japanese Type 97 fighter. However, in the lull before the August offensive, the Soviets introduced an improved I-16 with armor-plated fuselage and windshield, making it virtually impervious to the Type 97's light 7.7-mm guns. The Japanese countered by arming some planes with heavier 12.7-mm guns, which were somewhat more effective against the new I-16s. But the Soviet pilots discovered that the Type-97's unprotected fuel tank was an easy mark, and Japanese planes began to burn with horrendous regularity. On Aug 23, as Ribbentrop arrived in Moscow to seal the pact that would doom Poland and unleash war in Europe, the situation at Nomonhan was deemed serious enough by Kwantung Army to transfer the 7th Division to Hailar for support. Tsuji volunteered to fly to Nomonhan for a firsthand assessment. This move came too late, as Aug 23–24 proved the crucial phase of the battle. On Tue night, Aug 22, at Japanese 6th Army HQ, General Ogisu ordered a counterattack to push back the Soviet forces enveloping and crushing the Japanese southern flank. Komatsubara planned the counterattack in minute detail and entrusted its execution to his 71st and 72nd Regiments, led by General Kobayashi Koichi, and the 26th and 28th Regiments of the 7th Division, commanded by General Morita Norimasa. On paper this force looked like two infantry brigades. Only the 28th Regiment, however, was near full strength, though its troops were tired after marching about 25 miles to the front the day before. This regiment's peerless commander was Colonel Morita Toru (unrelated to General Morita). The chief kendo fencing master of the Imperial Army, Morita claimed to be invulnerable to bullets. The other three regiments were seriously understrength, partly due to combat attrition and partly because several of their battalions were deployed elsewhere on the front. The forces Kobayashi and Morita commanded that day totaled less than one regiment each. It was not until the night of Aug 23 that deployment and attack orders filtered down to the Japanese regiment, battalion, and company commanders. Due to insufficient truck transport and the trackless terrain, units were delayed reaching their assigned positions in the early morning of Aug 24, and some did not arrive at all. Two battalions of the 71st Regiment did not reach Kobayashi in time; his attack force that morning consisted of two battalions of the 72nd Regiment. Colonel Sumi's depleted 26th Regiment did not arrive in time, and General Morita's assault force consisted of two battalions of the 28th Regiment and a battalion-equivalent independent garrison unit newly arrived at the front. Because of these delays, the Japanese could not reconnoiter enemy positions adequately before the attack. What had been planned as a dawn assault would begin between 9:30 and 10:00 a.m. in broad daylight. The light plane carrying Tsuji on the final leg of his flight from Hsinking-Hailar-Nomonhan was attacked by Soviet fighters and forced to land behind the 72nd Regiment's staging area. Tsuji managed to reach General Kobayashi's command post by truck and on foot, placing him closer to the fighting than he anticipated. Just before the counterattack began, a dense fog drifted across part of the battlefield, obscuring visibility and limiting artillery effectiveness. Using the fog to mask their movement, lead elements of the 72nd Regiment moved toward a distant stand of scrub pines. As they approached, the trees began to move away—the stand was a well-camouflaged Soviet tank force. The tanks then maneuvered to the south, jeopardizing further Japanese advance. As the fog cleared, the Japanese found themselves facing a much larger enemy force. A vastly heavier Soviet barrage answered their renewed artillery fire. Kobayashi and Morita discovered too late that their counterattack had walked into the teeth of far stronger Soviet forces. One account calls it "The Charge of Two Light Brigades."   Kobayashi's 72nd Regiment encountered the Soviet T-34, with its thick sloped armor and 76-mm gun—the most powerful tank in 1939. In addition, the improved Soviet BT-5/7 tanks, powered by diesel, were less prone to ignition. On gasoline-powered vehicles, the Soviets added wire netting over the ventilation grill and exhaust manifold, reducing the effectiveness of hand-thrown gasoline bombs. Japanese infantry regiments suffered near 50% casualties that day. Nearly every battalion and company commander was lost. Kobayashi was gravely wounded by a tank shell fragment and nearly trampled by fleeing troops. He survived the battle and the Pacific War but died in a Soviet POW camp in 1950. Morita's 28th Regiment fared little better. It was pinned down about 500 yards from the Soviet front lines by intense artillery. Unable to advance and not permitted to retreat, Morita's men dug into the loose sand and withstood the bombardment, but were cut to pieces. Shortly after sunset, the remnants were ordered to withdraw, but both regiments were shattered. Tsuji, a survivor, rejoined Komatsubara at his command post. Upon receiving combat reports from the 72nd and 28th Regiments, General Komatsubara "evinced deep anxiety." 6th Army chief of staff Major General Fujimoto Tetsukuma, at Komatsubara's command post, "appeared bewildered," and announced he was returning to headquarters, asking if Tsuji would accompany him. The major declined and later recalled that he and Komatsubara could barely conceal their astonishment at Fujimoto's abrupt departure at such a time. Meanwhile, at the northern end of the line, Colonel Alekseenko's force had been hammering at Fui Heights for 3 days without success. The position was held by about 800 defenders under Lieutenant Colonel Ioki Eiichiro, consisting of two infantry companies; one company each of cavalry, armored reconnaissance, and combat engineers; and three artillery batteries (37-mm and 75-mm guns). The defenders clung tenaciously to the strongpoint created by the heights and their bunkers, inflicting heavy losses on Alekseenko's force. The unexpectedly strong defense disrupted the timing of the entire Soviet offensive. By Aug 23, Zhukov was exasperated and losing patience with the pace in the north. Some of Zhukov's comrades recall a personable chief who played the accordion and urged singing during happier times. Under stress, his harshness and temper surfaced. Zhukov summoned Alekseenko to the telephone. When the northern commander expressed doubt about storming the heights immediately, Zhukov berated him, relieved him on the spot, and entrusted the attack to Alekseenko's chief of staff. After a few hours, Zhukov called again and, finding that the new commander was slow, fired him as well and sent a staff member to take charge. Accounts record that his tirades sometimes included the phrase "useless bag of shit," though others note harsher language was used toward generals who did not meet expectations. That night, reinforced by the 212th Airborne Regiment, heavier artillery, and a detachment of flame-throwing tanks, the northern force renewed its assault on Fui Heights. The battered Japanese defenders were thoroughly overmatched. Soviet artillery fired at two rounds per second. When the last Japanese artillery was knocked out, they no longer could defend against flame-throwing tanks. From several miles away, Colonel Sumi could see the heights shrouded in black smoke and red flames "spitting like the tongues of snakes."  After Aug 22, supply trucks could no longer reach Fui Heights. The next afternoon, Colonel Ioki's radio—the last link to the 23rd Division—was destroyed. His surviving men fought on with small arms and grenades, repelling Soviet infantry with bayonet charges that night. By the morning of Aug 24, Ioki had about 200 able-bodied men left of his original 800. Soviet tanks and infantry had penetrated defenses at several points, forcing him to constrict his perimeter. Red flags flew on the eastern edge of the heights. Ioki gathered his remaining officers to discuss last measures. With little ammunition and almost no food or water, their situation seemed hopeless. But Ioki insisted on holding Fui Heights to the last man, arguing that the defense should not be abandoned and that orders to break out should come only with reinforcements and supplies. Some subordinates urged retreat. Faced with two dire options, Ioki drew his pistol and attempted suicide, but a fellow officer restrained him. Rather than see his men blown to bits, Ioki decided to abandon Fui Heights and retreat east. Those unable to walk received hand grenades with the injunction to blow themselves up rather than be captured. On the night of Aug 24–25, after moonrise, the remaining resistance at the heights was quelled, and Soviet attention shifted south. Ioki's battered remnant slipped out and, the next morning, encountered a Manchukuoan cavalry patrol that summoned trucks to take them to Chaingchunmiao, forty miles away. Russians occupying Fui Heights on Aug 25 counted the corpses of over 600 Japanese officers and men. After securing Fui Heights, the Soviet northern force began to roll up the Japanese northern flank in a wide arc toward Nomonhan. A day after the fall of Fui Heights, elements of the northern force's 11th Tank Brigade linked up with the southern force's 8th Armored Brigade near Nomonhan. A steel ring had been forged around the Japanese 6th Army. As the Japanese northern and southern flanks dissolved under Zhukov's relentless assaults, Komatsubara's command ceased to exist as an integrated force. By Aug 25 the Japanese lines were completely cut, with resistance remaining only in three encircled pockets. The remnants of two battalions of General Morita's "brigade" attempted a renewed offensive on Aug 25, advancing about 150 yards before being hammered by Soviet artillery and tanks, suffering heavier casualties than the day before. The only hope for the surrounded Japanese troops lay in a relief force breaking through the Soviet encirclement from the outside. However, Kwantung Army was spread thin in Manchuria and, due to a truck shortage, could not transport the 7th Division from Hailar to the combat zone in time. By Aug 26 the encirclement had thickened, with three main pockets tightly invested, making a large-scale breakout nearly impossible. Potapov unleashed a two-pronged assault with his 6th Tank Brigade and 80th Infantry Regiment. Japanese artillery from the 28th Regiment temporarily checked the left wing of the armored attack, but the Soviet right wing overran elements of Sumi's 26th Regiment, forcing the Japanese to retreat into a tighter enclave. Morita, the fencing-master commander who claimed to be immune to bullets, was killed by machine-gun fire while standing atop a trench encouraging his men. The Japanese 120-mm howitzers overheated under the August sun; their breech mechanisms swelled and refused to eject spent casings. Gunners had to leap from behind shelter to ram wooden rods down the barrels, drastically reducing rate of fire and life expectancy. Komatsubara's artillery units suffered a bitter fate. Most were deployed well behind the front lines with their guns facing west toward the Halha. As the offensive developed, attackers often struck the batteries from the east, behind them. Even when crews could turn some guns to face east, they had not preregistered fields of fire there and were not very effective. Supporting infantry had already been drawn off for counterattacks and perimeter defense. One by one, Japanese batteries were smashed by Soviet artillery and tanks. Crews were expected to defend their guns to the last man; the guns themselves were treated as the unit's soul, to be destroyed if captured. In extremis, crews were to destroy sensitive parts like optics. Few survived. Among those who did was a PFC from an annihilated howitzer unit, ordered to drive one of the few surviving vehicles, a Dodge sedan loaded with seriously wounded men, eastward to safety during the night. Near a Holsten River bridge he encountered Soviet sentries. The driver hesitated, then honked his horn, and the guards saluted as the sedan sped past. With water supplies exhausted and unable to reach the Halha or Holsten Rivers, the commander of the easternmost enclave ordered his men to drain radiator water from their vehicles. Drinking the foul liquid, at the cost of immobilizing their remaining transport, signaled that the defenders believed their situation was hopeless. On Aug 27 the rest of the Japanese 7th Division, two fresh infantry regiments, an artillery regiment, and support units totaling barely 5,000 men—reached the northeastern segment of the ring around Komatsubara. One day of hard fighting revealed they lacked the strength to break the encirclement. General Ogisu ordered the 7th Division to pull back and redeploy near his own 6th Army headquarters, about 4 miles east of Nomonhan and the border claimed by the enemy. There would be no outside relief for Komatsubara's forces. Throughout Aug 27–28, Soviet aircraft, artillery, armor, and infantry pounded the three Japanese pockets, compressing them into ever-smaller pockets and grinding them down. The surrounded Japanese fought fiercely and inflicted heavy casualties, but the outcome was inevitable. After the remaining Japanese artillery batteries were silenced, Soviet tanks ruled the battlefield. One by one, major pockets were overrun. Some smaller groups managed to slip through Soviet lines and reach safety east of the border claimed by the MPR, where they were left unmolested by the Red Army. Elements of Potapov's 57th and 82nd Divisions eliminated the last remnants of resistance south of the Holsten by the evening of Aug 27. North of the Holsten, during the night of Aug 28–29, a group of about 400 Japanese tried to slip east through the Soviet lines along the riverbank. They were spotted by the 293rd Regiment (57th Division), which struck them. The fleeing Japanese refused to surrender and were wiped out attempting to recross the Holsten.   Japanese soldiers' refusal to surrender is well documented. Surrender was considered dishonorable; the Army Field Manual was silent on surrender. For officers, death was not merely preferable to surrender; it was expected, and in some cases required. The penal code (1908, not revised until 1942) stated that surrender was dereliction of duty; if a commander did his best to resist, imprisonment could follow; if not, death. Stemming from Bushido, regimental colors were treated as sacred. On the afternoon of Aug 28, with much of his 64th Regiment destroyed, Colonel Yamagata saw no alternative but to burn the regimental colors and then commit suicide. Part of the flagpole had been shattered; the chrysanthemum crest damaged. Yamagata, Colonel Ise (artillery regimental commander), an infantry captain, a medical lieutenant, and a foot soldier—the last survivors of the headquarters unit—faced east, shouted "banzai" for the emperor, drenched the pennant in gasoline, and lit it. Yamagata, Ise, and the captain then shot themselves. The flag and crest were not entirely consumed, and the unburned remnants were buried beneath Yamagata's unmarked body. The medical officer and the soldier escaped and reported these rites to 6th Army HQ, where the deaths of the two colonels were mourned, but there was concern over whether the regimental colors had been entirely destroyed. On Aug 29, Lieutenant Colonel Higashi Muneharu, who had taken command of the 71st Regiment, faced the same dilemma. The regimental standard was broken into four pieces and, with the flag and chrysanthemum crest, drenched with fuel and set on fire. The fire kept going out, and the tassels were especially hard to burn. It took 45 minutes to finish the job, all under enemy fire. Afterward, Higashi urged all able to join him in a suicide charge, and the severely wounded to "kill themselves bravely when the enemy approached." Soviet machine-gun fire and grenades felled Higashi and his followers within moments. When it became clear on Aug 29 that all hope was lost, Komatsubara resolved to share the fate of his 23rd Division. He prepared to commit suicide, entrusted his will to his aide, removed his epaulets, and burned his code books. General Ogisu ordered Komatsubara to save himself and lead as many of his men as possible out of the encirclement. Shortly before midnight on Aug 30, the bulk of the Soviet armor briefly pulled back to refuel and resupply. Some of the Soviet infantry also pulled back. Komatsubara and about 400 survivors of his command used the opportunity to slip through the Soviet lines, guiding wounded by starlight to safety at Chiangchunmiao on the morning of Aug 31. Tsuji was among the survivors. In transit, Komatsubara was so distraught he needed to be restrained from taking his own life. A fellow officer took his pistol, and two sturdy corporals helped to support him, preventing him from drawing his sword. On August 31, Zhukov declared the disputed territory between the Halha River and the boundary line through Nomonhan cleared of enemy troops. The Sixth Army had been annihilated, with between 18,000 and 23,000 men killed or wounded from May to September (not counting Manchukuoan losses). The casualty rate in Komatsubara's 23rd Division reached 76%, and Sumi's 26th Regiment (7th Division) suffered 91% casualties. Kwantung Army lost many of its tanks and heavy guns and nearly 150 aircraft. It was the worst military defeat in modern Japanese history up to that time. Soviet claims later put total Japanese casualties at over 50,000, though this figure is widely regarded as inflated. For years, Soviet-MPR authorities claimed 9,284 casualties, surely an underestimate. A detailed unit-by-unit accounting published in Moscow in 2002 put Soviet losses at 25,655 (9,703 killed, 15,952 wounded), plus 556 MPR casualties. While Soviet casualties may have exceeded Japanese losses, this reflects the fierceness of Japanese defense and questions Zhukov's expenditutre of blood. There was no denying, however, that the Red Army demonstrated substantial strength and that Kwantung Army suffered a serious defeat. Knowledgeable Japanese and Soviet sources agree that given the annihilation of Komatsubara's forces and the dominance of Soviet air power, if Zhukov had pressed beyond Nomonhan toward Hailar, local Japanese forces would have fallen into chaos, Hailar would have fallen, and western Manchuria would have been gravely threatened. But while that might have been militarily possible, Moscow did not intend it. Zhukov's First Army Group halted at the boundary line claimed by the MPR. A Japanese military historian notes that "Kwantung Army completely lost its head." KwAHQ was enraged by the battlefield developments. Beyond the mauling of the Sixth Army at Nomonhan, there was anxiety over regimental colors. It was feared that Colonel Yamagata might not have had time to destroy the imperial crest of the 64th Regiment's colors, which could have fallen into Soviet hands. Thousands of dead and wounded littered the field. To preserve "face" and regain leverage, a swift, decisive counterstroke was deemed necessary. At Hsinking, they decided on an all-out war against the USSR. They planned to throw the 7th, 2nd, 4th, and 8th Divisions into the Sixth Army, along with all heavy artillery in Manchukuo, to crush the enemy. Acknowledging shortages in armor, artillery, and air power, they drafted a plan for a series of successive night offenses beginning on September 10. This was viewed as ill-advised for several reasons: September 10 was an unrealistic target given Kwantung Army's limited logistical capacity; it was unclear what the Red Army would be doing by day, given its superiority in tanks, artillery, and air power; autumn would bring extreme cold that could immobilize forces; and Germany's alliance with the Soviet Union isolated Japan diplomatically. These factors were known at KwAHQ, yet the plan proceeded. Kwantung Army notified AGS to "utilize the winter months well," aiming to mobilize the entire Japanese Army for a decisive spring confrontation. However, the Nomonhan defeat coincided with the Hitler-Stalin pact's diplomatic fallout. The push for close military cooperation with Germany against the Soviet Union was discredited in a single week. Defeated and abandoned by Hitler, pro-German, anti-Soviet policy advocates in Tokyo were furious. Premier Hiranuma Kiichiro's government resigned on August 28. In response, more cautious voices in Tokyo asserted control. General Nakajima, deputy chief of AGS, went to Hsinking with Imperial Order 343, directing Kwantung Army to hold near the disputed frontier with "minimal strength" to enable a quick end to hostilities and a diplomatic settlement. But at KwAHQ, the staff pressed their case, and Nakajima eventually approved a general offensive to begin on September 10. The mood at KwAHQ was ebullient. Upon returning to Tokyo, Nakajima was sternly rebuked and ordered to stand down. General Ueda appealed to higher authority, requesting permission to clear the battlefield and recover the bodies of fallen soldiers. He was denied and later relieved of command on September 6. A reshuffle followed at KwAHQ, with several senior officers reassigned. The Japanese Foreign Ministry directed Ambassador Togo Shigenori to negotiate a settlement in Moscow. The Molotov-Togo agreement was reached on September 15–16, establishing a temporary frontier and a commission to redemarcate the boundary. The local cease-fire arrangements were formalized on September 18–19, and both sides agreed to exchange prisoners and corpses. In the aftermath, Kwantung Army leadership and the Red Army leadership maintained tight control over communications about the conflict. News of the defeat spread through Manchuria and Japan, but the scale of the battle was not fully suppressed. The Kwantung Army's reputation suffered further from subsequent punishments of officers deemed to have mishandled the Nomonhan engagement. Several officers were compelled to retire or commit suicide under pressure, and Ioki's fate became a particular symbol of the army's dishonor and the heavy costs of the campaign. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. In August 1939, Soviet General Georgy Zhukov launched a decisive offensive against Japanese forces at Nomonhan. Under cover of darkness, Soviet troops crossed the Halha River, unleashing massive air and artillery barrages on August 20. Fierce fighting ensued, with failed Japanese counterattacks, the fall of Fui Heights, and annihilation of encircled pockets by Soviet tanks and infantry. 

Jeff and Andy share their takeaways from their conversation with John McClain and how good of a move this was for Andrew Berry and the Browns.

Andy Hill returns after eight years to share his journey towards financial independence with his wife, Nicole. Initially faced with relationship and financial struggles, the couple established monthly budget parties that fostered open communication and a shared vision for their finances. By embracing the concept of Coast FI, they balanced their work-life commitments and focused on creating a sustainable, happy family life, ultimately paying off their mortgage and adopting a part-time work lifestyle. Key Tactical Takeaways Establish Monthly Budget Parties: Create a designated time each month to discuss finances with your partner, making it enjoyable and structured. Adopt Coast FI Principles: Achieve enough savings to allow investments to grow without additional contributions, which can lead to a flexible work-life balance. Focus on Compounding: Emphasize the significant benefits of long-term investing; even a 1% difference in return can lead to considerable wealth over time. Adjust Savings Rates: If financial goals are met, consider lowering savings rates to enjoy life more fully while allowing investments to grow. Core Rules & Formulas Core Rule Formula/Guideline Establish a Budget Party Choose a regular schedule (e.g., once a month) and make it enjoyable (e.g., pizza, wine) to facilitate open discussions about finances. Coast FI Definition Save enough so your investments can compound without needing further contributions. Work only enough to cover living expenses. Compounding Interest Impact Understand that even slight increases in investment returns can significantly affect wealth over time. A simple 1% increase over decades can lead to substantial differences. Savings Adjustment Strategy Once you reach a financial milestone (e.g., Coast FI), assess and potentially lower your savings rate for more immediate enjoyment without jeopardizing long-term goals. Tools, Accounts, or Strategies Mentioned Tool/Strategy Description Monthly Budget Parties A structured approach to discussing finances in a fun, collaborative manner. Coast FI Strategy A financial independence approach where investments grow passively, allowing flexibility in work options. Compounding Calculators Use online tools to visualize how minor changes in investment returns can significantly impact future wealth. Resources & References Book: Own Your Time by Andy Hill Implement Monthly Budget Parties: Start by scheduling your first budget party this month and prepare to discuss financial goals. Explore Coast FI: Assess your savings and consider if adjusting your financial strategy to Coast FI could enhance your quality of life. Track Your Spending: Use personal finance tools or apps to better understand and manage your monthly expenses.

To get your gands on Accounts from the Lonely Broadcast Station Volumes 1 & 2 by Kel Byron you can support the Kickstarter here: https://www.kickstarter.com/projects/kelbyron/a-lonely-broadcast-book-two-the-audiobook

One of the most powerful gifts you can give a child is a head start on building wealth. Plus, it gives you the opportunity to teach the next generation all about the ups and downs of investing – in real time. However, choosing the right account for a kid can be surprisingly complex. Robert Brokamp discusses the pros and cons of five of the most common options, including the new Trump accounts.Also in this episode:-International stocks are off to a stellar start in 2026, outperforming U.S. stocks by the biggest margin since 1995-The data center buildout to support the AI arms race is driving up electricity prices, and may have the same impact on home prices-A recent report identified three criteria that tend to make a stock market downturn more likely-Include your pet in your estate plan to ensure she or he goes to the caring home of your choice (and not a shelter), and set aside money for expensesHost: Robert BrokampEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement.We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode.Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Raja is back! Raja joins Logan, who is back from NBA All-Star weekend in Los Angeles for a game of “What Does Raja Think?” Logan asks Raja for his thoughts on the NBA's most recent headlines like KD's alleged burner account, Adam Silver's remedy to tanking, Jayson Tatum's injury recovery plan, and more! Then they share their Real One of the Week to wrap up the episode! (0:00:00) Intro (1:38) James Harden and the Cavs (10:03) Cade Cunningham and the Pistons (21:08) Burner accounts (36:17) Adam Silver's tanking remedy (45:20) Jayson Tatum's recovery plan (54:22) Real One of the Week Hit the mailbag: Realonesmailbag@gmail.com Hosts: Logan Murdock and Raja Bell Video/Audio Producer: Victoria Valencia Production Supervision: Ben Cruz and Conor Nevins The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices