Podcasts about Compounding

One of the most powerful forces in economics and finance is compound interest.  Not everyone understands compound interest, even though they may reap its benefits or suffer its consequences.  Compounding has the potential to build fortunes and wreck empires. The effects of compounding are also not limited to interest payments. It can apply to a great many things in and out of the natural world. Learn more about compound interest, how it works and its awesome potential on this episode of Everything Everywhere Daily. Sponsors Quince Go to quince.com/daily for 365-day returns, plus free shipping on your order! Mint Mobile Get your 3-month Unlimited wireless plan for just 15 bucks a month at mintmobile.com/eed Stash Go to get.stash.com/EVERYTHING to see how you can receive $25 towards your first stock purchase. Newspaper.com Go to Newspapers.com to get a gift subscription for the family historian in your life! Subscribe to the podcast!  https://everything-everywhere.com/everything-everywhere-daily-podcast/ -------------------------------- Executive Producer: Charles Daniel Associate Producers: Austin Oetken & Cameron Kieffer   Become a supporter on Patreon: https://www.patreon.com/everythingeverywhere Discord Server: https://discord.gg/UkRUJFh Instagram: https://www.instagram.com/everythingeverywhere/ Facebook Group: https://www.facebook.com/groups/everythingeverywheredaily Twitter: https://twitter.com/everywheretrip Website: https://everything-everywhere.com/  Disce aliquid novi cotidie Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on Swimming with Allocators, Vivek Jindal, CIO at Caprock, shares his journey from risk manager to leading allocator, offering valuable insights into building all-weather, customized portfolios for ultra-high-net-worth families. The conversation covers the evolution of venture investing, the art and science of risk management, the growing role of secondary markets, manager selection, and the importance of diversification and due diligence. Listeners will gain key takeaways on how to compound capital over decades, adapt to market changes, and identify fund managers' unique superpowers for long-term success. Also, don't miss our insider segment as Shane Goudey highlights Sidley's expansive, practical expertise in representing venture firms and emerging companies, emphasizing the firm's holistic, relationship-driven approach and ability to offer clients sophisticated legal and strategic support across the entire investment and startup ecosystem.Highlights from this week's conversation include:Welcoming Vivek Jindal to the Show (0:22)Lessons from Starting on the Risk Side and the Global Financial Crisis (1:44)Approaching Risk in Venture & Asset Allocation (5:30)Evolution of Portfolio Construction and Blurring Asset Class Lines (10:01)Strategies for Identifying Manager “Superpowers” (10:38)Caprock's Venture Investing Approach and Its Evolution (13:42)Sectors Out of Favor and Long-term Perspective (16:36)Selecting and Accessing Fund Managers (18:36)Word of Mouth, Networking, and New Venture Managers (19:06)Discussion with Sponsor Sidley's Shane Goudey (21:52)Ideal Client Profiles for Caprock (27:06)Why Alternatives—and Why Venture? (29:21)Opportunities in the Secondary Market (31:45)Trends to Watch in Venture and Growth Equity (35:22)What Makes a Good Fund Manager and Reference Checking (38:36)Final Thoughts and Takeaways (41:52)Caprock is a leading multifamily office providing independent, fiduciary advice to ultra-high-net-worth families and institutions. With a multi-asset class approach spanning traditional and alternative investments, Caprock creates fully customized portfolios designed to preserve, compound, and align wealth across generations. Learn more at www.caprock.com.Sidley Austin LLP is a premier global law firm with a dedicated Venture Funds practice, advising top venture capital firms, institutional investors, and private equity sponsors on fund formation, investment structuring, and regulatory compliance. With deep expertise across private markets, Sidley provides strategic legal counsel to help funds scale effectively. Learn more at sidley.com.Swimming with Allocators is a podcast that dives into the intriguing world of Venture Capital from an LP (Limited Partner) perspective. Hosts Alexa Binns and Earnest Sweat are seasoned professionals who have donned various hats in the VC ecosystem. Each episode, we explore where the future opportunities lie in the VC landscape with insights from top LPs on their investment strategies and industry experts shedding light on emerging trends and technologies. The information provided on this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this podcast are for general informational purposes only. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sathish Gajula from the Compounding Project joins us to talk about compounding your health, wealth, and mindset. He shares some mindblowing stats, along with plenty of tactical advice. Topics covered include: Why investing early matters so much How to cut back on the "big 3" expenses The most important part of the compound interest equation How compounding affects health and fitness Curating the right information diet Hacks for maintaining motivation and discipline And so much more. If you found value in the episode, please share it with a friend! Links from The Episode The Compounding Project (Instagram) The Compounding Project (YouTube) The Compounding Project Podcast Compound Interest Equation: Sathish's Favorite Books: Outlive - Peter Attia The Simple Path to Wealth - JL Collins Sapiens - Yuval Noah Harari The Compound Effect - Darren Hardy I Will Teach You to Be Rich - Ramit Sethi Atomic Habits - James Clear Sathish's Favorite Podcasts: Diary of a CEO The Tim Ferriss Show Colin & Samir Sathish's Favorite Apps: Fantastical Calendar Chat GPT Todoist YouTube Interview https://youtu.be/yCded1Kz61I Join the Community We'd love to hear your comments and questions about this week's episode. Here are some of the best ways to stay in touch and get involved in The FI Show community! Grab the Ultimate FI Spreadsheet Join our Facebook Group Leave us a voicemail Send an email to contact [at] TheFIshow [dot] com If you like what you hear, please subscribe and leave a rating/review! >> You can do that by clicking here 

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we break down how compounding really works, using real examples to show why starting early matters more than starting big. We explain the Rule of 72, share Warren Buffett's wealth story, and discuss why most people struggle to grasp how powerful compounding can be.  We also cover the psychology behind delaying investment, the importance of dividend reinvestment, and why superannuation works so well as a compounding vehicle. Listen to this episode to understand why the best time to start investing was yesterday, and the second best time is today. - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706   Episode Highlights How compounding interest works (earning returns on your returns) Comparing early versus late investing with real numbers The Rule of 72 for calculating when investments double Why people delay investing until they have "enough" money Dividend reinvestment and automation strategies Why interrupting compound interest is costly How superannuation demonstrates compounding through preservation rules The importance of staying invested and avoiding withdrawals   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify

Investing in any market can feel daunting — but it doesn't have to. In this episode of The Bid, host Oscar Pulido sits down with Jim Cramer, investor, author, and host of Mad Money, to explore what it really takes to build wealth and confidence over time.Cramer's latest book, How to Make Money in Any Market, continues his mission of empowering everyday investors to take control of their financial futures. From lessons learned running a hedge fund to insights from decades in media, Cramer's message is clear: you don't need to be a professional to succeed - you just need discipline, curiosity, and patience. From the birth of the “FAANG” concept to the story behind naming his dog Nvidia, Cramer shares personal stories that illuminate his broader philosophy — that investing is about persistence, not prediction. He and Oscar also discuss long-term trends in capital markets, the role of index investing, and why hope and participation remain central to a healthy investing mindset.This episode covers:· Why Cramer believes this is the right moment for a new playbook on investing.· The power of compounding and why saving regularly still works in today's capital markets.· How technology — from online research to tools like ChatGPT — has transformed access to information.· Why he encourages investors to “do the homework” or choose a diversified index approach if they can't.· His pyramid-style investing framework: build positions slowly, remove emotion, and let time work for you.· What he's learned from mistakes, like overconfidence or losing faith too soon.· How curiosity, observation, and understanding the “craft” can help investors find opportunities all around them.Key timestamps in this episode:00:00 Introduction to Investing with Jim Cramer00:50 Jim Cramer's Journey and New Book02:37 The Importance of Saving and Investing04:12 How to Analyze Stocks and Develop Market Strategies06:10 Jim's Investment Ethos and Practical Advice19:16 Personal Insights and Lightning Round21:57 Conclusion and Next Episode PreviewMad Money, Investing in any market, Stock market trends, Capital markets, Long-term investing, Financial education, Retail investors, Compounding, AI investingThis content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to any company or investment strategy mentioned is for illustrative purposes only and not investment advice. In the UK and Non-EEA countries, this is authorized and regulated by the FCA. In the EEA, it is authorized and regulated by the AFM. For full disclosures, visit blackrock.com/corporate/compliance/bid-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Oisin O'Connor is the CEO and co-founder of Recharge, the leading subscription management platform powering 75% of all Shopify subscriptions. Under his leadership, Recharge has become a critical infrastructure partner for over 30,000 brands, reaching 100 million subscribers and $100 million ARR.In this episode of DTC Pod, Oisin pulls back the curtain on what it really takes to win with subscriptions in today's DTC landscape. He shares insider strategies for subscriber growth, optimizing retention, and leveraging Recharge's newest AI-powered tools to minimize churn. Oisin also shares specific benchmarks every brand should measure, real-world examples of subscription funnels that convert, and actionable experiments operators can run to unlock long-term profitability and scale.Episode brought to you by StordInteract with other DTC experts and access our monthly fireside chats with industry leaders on DTC Pod Slack.On this episode of DTC Pod, we cover:1. Evolution of subscriptions in physical product e-commerce2. How to spot and create product-market fit 3. Differentiators that set Recharge apart from early competitors4. The compounding power of subscriptions for long-term growth5. Unit economics, LTV vs CAC, and why retention is king6. What best-in-class subscription brands do differently7. Optimizing conversion funnels for subscriber growth8. Subscription benchmarks: churn rates, retention, and second order metrics9. Reducing churn with data, cancellation flows, loyalty, and rewards10. Automations and integrating Recharge with supply chain and 3PL operations11. Leveraging AI Concierge for customer retention and support12. Evolving customer experience and the need for seamless subscription management13. How Recharge guides merchants with data, support, and innovation14. Experiments and mistakes founders make launching subscription brandsTimestamps00:00 Oisin's background, founding story, and early agency experiments04:06 The rise of Shopify and the breakthrough with Recharge05:19 The subscription model: initial skepticism and quirky early adopters06:47 Technical challenges in enabling subscriptions on Shopify09:00 First major subscription brand success story10:15 Compounding growth through subscriptions11:36 Legacy brands and decades-long customer retention13:06 Building DTC businesses with sustainable unit economics14:37 Lessons from TV advertising history and the narrowing of scalable models16:29 Key traits of successful subscription businesses17:09 Product, recurring need, and conversion strategy18:27 Understanding subscriber value and optimizing acquisition19:26 Retention: keeping customers post-acquisition  19:52 High-performing brands and funnel design20:05 Subscription by default, offers, upsells, and cross-sells21:39 Conversion tactics from PDP to post-checkout22:38 Benchmarks for healthy churn and retention23:06 How top brands reduce churn and track performance24:58 Recharge tools: analytics, cancellation flows, Klaviyo integration26:41 Rewards and automations to boost retention27:33 Automate flows for backend fulfillment and logistics28:20 Launching AI SMS concierge for subscriber experience29:40 Reducing customer service friction and delighting shoppers32:15 Customer experience as a core differentiator34:04 The competitive subscription landscape: Recharge's position35:41 Product innovation, support, and actionable guidance37:16 Data-driven product innovation and merchant success38:04 The future of subscription, retention, and platform innovation40:38 Biggest mistakes founders make with subscriptions41:58 Experiments founders should run with Recharge42:58 Where to connect with Oisin for advice and mentorshipShow notes powered by CastmagicPast guests & brands on DTC Pod include Gilt, PopSugar, Glossier, MadeIN, Prose, Bala, P.volve, Ritual, Bite, Oura, Levels, General Mills, Mid Day Squares, Prose, Arrae, Olipop, Ghia, Rosaluna, Form, Uncle Studios & many more.  Additional episodes you might like:• #175 Ariel Vaisbort - How OLIPOP Runs Influencer, Community, & Affiliate Growth• #184 Jake Karls, Midday Squares - Turning Your Brand Into The Influencer With Content• #205 Kasey Stewart: Suckerz- - Powering Your Launch With 300 Million Organic Views• #219 JT Barnett: The TikTok Masterclass For Brands• #223 Lauren Kleinman: The PR & Affiliate Marketing Playbook• ​​​​#243 Kian Golzari - Source & Develop Products Like The World's Best Brands-----Have any questions about the show or topics you'd like us to explore further?Shoot us a DM; we'd love to hear from you.Want the weekly TL;DR of tips delivered to your mailbox?Check out our newsletter here.Projects the DTC Pod team is working on:DTCetc - all our favorite brands on the internetOlivea - the extra virgin olive oil & hydroxytyrosol supplementCastmagic - AI Workspace for ContentFollow us for content, clips, giveaways, & updates!DTCPod InstagramDTCPod TwitterDTCPod TikTokOisin O'Connor - Co-Founder and CEO of RechargeBlaine Bolus - Co-Founder of CastmagicRamon Berrios - Co-Founder of Castmagic

In this episode, the founder of Practical Founders, Greg Head, shares the most powerful insights from over 165 podcast interviews and working with 40+ bootstrapped SaaS founders in his peer groups. Greg breaks down the common but less obvious traits he sees in practical founders who are quietly building valuable software companies without big VC funding. Greg shares how frugality and managed risk-taking coexist to create compounding steady growth, creating massive long-term value fpr practical founders. And independence and doing it your way are not just luxuries but real superpowers that fuel growth. These patterns have emerged across hundreds of founders he's worked with, representing over $10 billion in founder equity value created. For SaaS founders skeptical of VC templates and PE playbooks Greg shares what all practical founders do to grow from $1M to $10M ARR without betting it all. Are you wired like a Practical Founder? Key Takeaways Frugal yet bold – Practical founders are unusually frugal in life but make well-timed bold bets inside their companies. Managed risk – They avoid betting the whole company, instead making small bets that can compound into larger wins. Compounding focus – Long-term, steady 20–30% growth creates exponential outcomes in SaaS over 10–15 years. Independence premium – Protecting their ability to do it their way is treated as a strategic advantage. Optionality matters – Practical founders value flexibility to sell, go long, or change direction without outside control. This Interview Is Perfect For Founders building SaaS without VC funding CEOs who value control and sustainable growth Entrepreneurs exploring long-term leverage vs. quick wins Anyone who wants to understand the practical founder mindset Quote from Greg Head, founder of Practical Founders "The simple math of a $1 million ARR recurring revenue business that grows at 30% a year, will become very valuable if it keeps growing. ? Not crazy growth, a reasonable pace. This is the fundamental principle of recurring revenue businesses, that it's a compounding machine.  "If you grow at 30% for nine years, you'll have a $10 million business. And if you do that for another nine years, you will have a $100 million business. That's probably worth a billion dollars by that time. That sounds simple and not everybody gets there, of course, but practical founders think in this way. Steady, healthy compounding.  "We know that in the long run, the 10 years, the 20 years, compounding makes the difference. It's a healthier approach. We actually like this approach, generally speaking. We understand the math and yes, we're doing it. Most people don't really sign up for this kind of thing." Links Greg Head on LinkedIn Practical Founders on LinkedIn Practical Founders website Podcast Sponsor – Designli This podcast is sponsored by Designli, a digital product studio that helps entrepreneurs and startups turn their software ideas into reality. From strategy and design to full-scale development, Designli guides you through every step of building custom web and mobile apps. Learn more at designli.co/practical. The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com. Practical Founders CEO Peer Groups Be part of a committed and confidential group of practical founders creating valuable software companies without big VC funding.  A Practical Founders Peer Group is a committed and confidential group of founders/CEOs who want to help you succeed on your terms. Each Practical Founders Peer Group is personally curated and moderated by Greg Head.

In this edition of Essential, we look at how we're pushing back against the FDA's upcoming ban on desiccated thyroid extract, why drugmakers' latest tactics against compounding pharmacies are backfiring, and we give you a great way to make sure your practice is performing at its best. Then we take a deep dive with attorney and pharmacist Mark Boesen into the lawsuits being filed against compounding pharmacies, what the results have been, and how they might affect more than just pharmacy in the future.  Boesen & Snow Law: https://www.boesensnowlaw.com/ DTE story (https://a4pc.org/news/ask-your-patients-help-us-protect-dte-access) “FDA's confusing warning letters” (https://a4pc.org/news/fdas-confusing-warning-letters) “FDA's green list: Not our problem?” (https://a4pc.org/news/fdas-green-list-not-our-problem) Compounding.com/thyroid Best practices documents (a4pc.org/bestpractices) National Review article on FDA crackdown (https://archive.ph/LYy7t)

Starting an IBC policy when everything feels worst? That's exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on him. Here's what he did, why it worked, and how to avoid the same traps.

Financial Planning Inspired by Divorce Dr. Nick opens up about his family's financial struggles after his parents' divorce, and how those early hardships shaped his mission to become a financial planner. Watching his mother juggle multiple jobs gave him the drive to help others avoid similar pain. Having walked through divorce myself, I connected deeply with his story and the importance of financial clarity during life's toughest moments. The Power of Compounding and Clear Goals We also talk about redefining financial priorities and how even small, consistent steps add up through the magic of compound interest. Dr. Nick recalls being introduced to the concept at 16 by a golf course owner named Rex—an experience that ultimately launched his career in finance. Lessons from the Golf Course Our conversation turned to the lessons you can pick up from unexpected places—like working at a golf course. For me, it was a front-row seat to observe how wealthier individuals handled themselves, and a reminder that humility in tasks like picking up garbage can lead to life-changing opportunities. Mindset and the Success Journey Mindset is everything. Dr. Nick and I discussed how money matters, but intentional living and meaningful relationships are what create lasting fulfillment. We explored the balance between career satisfaction, financial stability, and well-being—emphasizing that true success isn't measured solely in dollars. Aligning Happiness with Financial Goals One of the biggest takeaways from our conversation is that happiness looks different for everyone. Aligning your financial plan with your unique values and goals is essential. Dr. Nick warned about the trap of social media comparisons, reminding us that joy doesn't come from external approval but from understanding what really matters to you. Rethinking Retirement We also unpacked modern retirement. It's no longer about quitting work altogether—it's about creating space for consulting, passion projects, or part-time work. Both Dr. Nick and I agree that knowing yourself and planning ahead can help avoid impulsive decisions and ensure a fulfilling later chapter in life. Understanding Financial Values Through Reflection Dr. Nick's book is designed to help readers identify their strengths, weaknesses, and money stressors through reflection. By connecting financial strategies to core values, readers can create a more intentional and fulfilling financial plan. He even offers a free downloadable chapter on compounding at richbychoicebook.com. I strongly encourage you to grab it, dive into the exercises, and start clarifying your own path to financial freedom. Dr. Nicholas Michels knows what it's like to start with nothing. Growing up in a trailer park, he charted an extraordinary journey — becoming a professional athlete, bestselling author, and one of the most trusted voices in wealth and life planning. As Founder of Michels Family Financial and creator of the Rich by Choice movement, Nicholas has spent more than 20 years guiding thousands toward lasting stability, confidence, and peace of mind. His approach goes far beyond spreadsheets — blending behavioral psychology, faith-based principles, and practical financial strategies to help families design lives rooted in purpose and values. Before launching his firm, Nicholas played professional basketball overseas and earned elite credentials including CERTIFIED FINANCIAL PLANNER™ and CERTIFIED PRIVATE WEALTH ADVISOR®. Today, his Amazon bestselling book Rich by Choice has inspired readers worldwide, and his voice has been featured in major media as a passionate advocate for financial literacy, mindset growth, and values-driven success. Signature Speaking Topics: Financial Happiness: Why peace matters more than portfolio size The $8 Million Lesson: Walking away from the deal that didn't align with the mission Marriage & Money: Turning conflict into deeper connection If you're looking for a conversation that inspires action, challenges old money stories, and leaves people empowered to build wealth and a meaningful life — Nicholas delivers every time. Free Resource:  https://RichByChoiceBook.com Book:  Rich By Choice Website:  https://michelsfamilyfinancial.com    

In what way are you investing time in others' success? In this episode, Jeff and Phil discuss: We all have a platform to do good work.Lessons learned from 6 years as an Indianapolis Pacers ballboy as a teenager.Preparing in advance and having a plan for your exit.The importance of habits, values, and beliefs.  Key Takeaways: Prepare early and ahead of time to prepare your legacy and identity ahead of a sale, exit, or merger.Not all ideas and businesses are going to generate high profits, but they can still have a high impact.You will receive a lot of “no” answers. They teach discipline, accountability, persistence, and trust in the Lord.Be willing to be mentored, and be a mentor.  "Invest in relationships earlier than you think, and it compounds quicker." —  Phil Daniels About Phil Daniels: Phil is an operator-turned-investment banker, with experience as a four-time founder and five-time leader in B2B tech, financial services, and digital health. He's led go-to-market, culture, M&A integration, and capital formation—experiencing firsthand what it takes to scale and exit.Now a Partner at ArkMalibu, an investment bank for business owners, he's an advisor to founder- and family-led businesses that are approaching a sale. Phil brings operator insight to every transaction—grounded in the realities of building and selling. He's a two-time Inc. 500|5000 CEO, Entrepreneur Magazine award winner, published author, and former NBA ballboy.  Connect with Phil Daniels:Website: https://arkmalibu.com/LinkedIn: https://www.linkedin.com/in/phillipdaniels  Connect with Jeff Thomas: Website: https://www.arkosglobal.com/Podcast: https://www.generousbusinessowner.com/Book: https://www.arkosglobal.com/trading-upEmail: jeff.thomas@arkosglobal.comTwitter: https://twitter.com/ArkosGlobalAdvFacebook: https://www.facebook.com/arkosglobal/LinkedIn: https://www.linkedin.com/company/arkosglobaladvisorsInstagram: https://www.instagram.com/arkosglobaladvisors/YouTube: https://www.youtube.com/channel/UCLUYpPwkHH7JrP6PrbHeBxw

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Soul Patts CEO Todd Barlow joins The Rules of Investing to unpack the firm's merger with Brickworks, why he's buying at cyclical lows, and how he's positioning for the future of energy. He also shares why liquidity and humility matter when markets are running hot. ________________________ Thanks to our Sponsor AlphaSense This latest episode is brought to you by AlphaSense. See what AlphaSense can do for your investment research—visit alpha-sense.com/livewire to get started.

The lawsuits filed against Leon Black in connection with Jeffrey Epstein are among the most graphic and disturbing to emerge from Epstein's orbit. Several women, including Cheri Pierson and a plaintiff identified as Jane Doe, accuse Black of violent sexual assaults that allegedly took place inside Epstein's Manhattan townhouse. Pierson claims Black raped her in 2002 after Epstein arranged what was supposed to be a massage appointment, describing the encounter as brutal and coercive. Another lawsuit alleges Black sexually assaulted a 16-year-old girl with autism and Down syndrome, leaving her bleeding and traumatized. Both cases portray Black as a predator who exploited Epstein's network to target vulnerable women, echoing the broader pattern of abuse associated with Epstein's inner circle. Black's legal team has vehemently denied all allegations, dismissing the claims as false and opportunistic.Compounding the scandal is Black's series of high-dollar settlements and legal maneuvering. In 2023, he quietly paid $62.5 million to the U.S. Virgin Islands to avoid potential litigation tied to Epstein's trafficking operations there. He also succeeded in getting parts of other lawsuits dismissed on procedural grounds, including a defamation case brought by former model Guzel Ganieva, which was thrown out in early 2025. Still, the volume and nature of the claims — combined with his massive financial ties to Epstein and the Senate Finance Committee's scrutiny of his payments — have left Black mired in controversy. The lawsuits' explicit, violent allegations and the perception of systemic leniency have solidified his position as one of the most controversial figures to emerge from Epstein's shadow.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

//The Wire//2300Z October 22, 2025////ROUTINE////BLUF: VIOLENT CAREER CRIMINAL GRANTED BOND IN CHARLOTTE AFTER SHOOTING TODDLER. MEMBERS OF SINGH FAMILY CARGO THEFT RING ARRESTED IN CALIFORNIA. PENTAGON REPORTS STRIKE IN PACIFIC OCEAN AS NARCO WAR SPREADS. NEW HAMPSHIRE SUPREME COURT JUSTICE RETURNS TO BENCH AFTER ACCEPTING PLEA DEAL IN CRIMINAL CASE.// -----BEGIN TEARLINE------International Events-Ireland: Unrest in Dublin continued throughout the night, with thousands of protesters and rioters taking up position outside the Citywest Hotel. Today, local observers noted significant fortification efforts being undertaken at the sprawling complex that encompasses the resort hotel, indicating much more protest activity is expected.Analyst Comment: The situation was made worse by the fact that most media organizations have only focused on the riot itself, and not the kidnap and rape of a child that started the whole affair. Compounding issues further was the observation of another load of migrants being bussed in to the area under heavy police protection.South America: The War Department has announced another kinetic strike on a narco vessel, bringing the total count to 8x vessels sunk so far this campaign. This vessel was not sunk in the Caribbean, but rather in the Pacific Ocean in a vicinity that has not yet been disclosed. 2x individuals onboard the vessel were killed during the strike.Analyst Comment: Regarding the previous strike on the Narco Submarine, details have come to light regarding the survivors of that strike. One individual was Columbian and was repatriated to Columbia after being severely wounded during the strike. This individual (who has not been identified) suffered severe wounds and might not survive. The other individual was from Ecuador and has been identified as Andrés Fernando Tufiño. He was repatriated to Ecuador, and was promptly released without any charges being filed as the government of Ecuador states that he committed no crime. This is quite a bold statement considering he was fished out of the ocean after his narco submarine filled with cocaine was sunk by an AC-130J gunship, but nevertheless this points to the seriousness of the situation. Venezuela, despite being the face of this campaign...is certainly not the only belligerent in this conflict, which is rapidly escalating into a region-wide war.-HomeFront-Wyoming: This morning the State Capitol building was evacuated after a suspicious package was discovered. Eventually EOD personnel rendered the device safe, and the building remained closed for the rest of the day. It is not clear at the moment if this device was an explosive device, but the investigation continues.Analyst Comment: This incident, while not uncommon, does provide a learning opportunity for all. A staffer initially discovered the device wedged in the state seal near the entrance to the building. Rather than leaving the suspicious package in place and immediately contacting authorities (as is the recommended procedure for the discovery of potential IEDs), the staffer picked it up and brought it inside the building. After tampering with the device for a bit, someone at some point realized that it might be an Improvised Explosive Device, and security was alerted, prompting the evacuation.New Hampshire: State Supreme Court Justice Anna Barbara Hantz Marconi has returned to the bench after being indicted on seven counts pertaining to her attempting to use her position on the Supreme Court to influence her husband's criminal case.Analyst Comment: Her husband, Geno Marconi, was the head of New Hampshire's Port Authority  when he was indicted on multiple counts of evidence tampering. This stemmed from an investigation into his misappropriation of state funds, as well as running an organized crime syndicate in which he used his position to grant preferential treatment

We often talk about compound interest when it comes to money, but character works the same way. The small choices you make every day, how you lead, how you treat people, how you show up, build on each other over time. In this episode, John Kennedy, CFP®, shares how integrity, consistency, and humility play a bigger role in success than most people realize. It's an honest look at how character compounds in business, leadership, and everyday life. 00:26 The Power of Compounding Beyond Finance 01:18 Character and Consistency: Building Trust 01:58 Personal Accountability and Candor 04:44 The Invisible Returns of Character 06:27 Reflecting on Character Development

The lawsuits filed against Leon Black in connection with Jeffrey Epstein are among the most graphic and disturbing to emerge from Epstein's orbit. Several women, including Cheri Pierson and a plaintiff identified as Jane Doe, accuse Black of violent sexual assaults that allegedly took place inside Epstein's Manhattan townhouse. Pierson claims Black raped her in 2002 after Epstein arranged what was supposed to be a massage appointment, describing the encounter as brutal and coercive. Another lawsuit alleges Black sexually assaulted a 16-year-old girl with autism and Down syndrome, leaving her bleeding and traumatized. Both cases portray Black as a predator who exploited Epstein's network to target vulnerable women, echoing the broader pattern of abuse associated with Epstein's inner circle. Black's legal team has vehemently denied all allegations, dismissing the claims as false and opportunistic.Compounding the scandal is Black's series of high-dollar settlements and legal maneuvering. In 2023, he quietly paid $62.5 million to the U.S. Virgin Islands to avoid potential litigation tied to Epstein's trafficking operations there. He also succeeded in getting parts of other lawsuits dismissed on procedural grounds, including a defamation case brought by former model Guzel Ganieva, which was thrown out in early 2025. Still, the volume and nature of the claims — combined with his massive financial ties to Epstein and the Senate Finance Committee's scrutiny of his payments — have left Black mired in controversy. The lawsuits' explicit, violent allegations and the perception of systemic leniency have solidified his position as one of the most controversial figures to emerge from Epstein's shadow.to contact me:bobbycapucci@protonmail.com

The lawsuits filed against Leon Black in connection with Jeffrey Epstein are among the most graphic and disturbing to emerge from Epstein's orbit. Several women, including Cheri Pierson and a plaintiff identified as Jane Doe, accuse Black of violent sexual assaults that allegedly took place inside Epstein's Manhattan townhouse. Pierson claims Black raped her in 2002 after Epstein arranged what was supposed to be a massage appointment, describing the encounter as brutal and coercive. Another lawsuit alleges Black sexually assaulted a 16-year-old girl with autism and Down syndrome, leaving her bleeding and traumatized. Both cases portray Black as a predator who exploited Epstein's network to target vulnerable women, echoing the broader pattern of abuse associated with Epstein's inner circle. Black's legal team has vehemently denied all allegations, dismissing the claims as false and opportunistic.Compounding the scandal is Black's series of high-dollar settlements and legal maneuvering. In 2023, he quietly paid $62.5 million to the U.S. Virgin Islands to avoid potential litigation tied to Epstein's trafficking operations there. He also succeeded in getting parts of other lawsuits dismissed on procedural grounds, including a defamation case brought by former model Guzel Ganieva, which was thrown out in early 2025. Still, the volume and nature of the claims — combined with his massive financial ties to Epstein and the Senate Finance Committee's scrutiny of his payments — have left Black mired in controversy. The lawsuits' explicit, violent allegations and the perception of systemic leniency have solidified his position as one of the most controversial figures to emerge from Epstein's shadow.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Last time we spoke about the flooding of the Yellow River. As Japanese forces pressed toward central China, Chiang Kai-shek weighed a desperate gamble: defend majestic Wuhan with costly sieges, or unleash a radical plan that would flood its heart. Across/Xuzhou, Taierzhuang, and the Yellow River's bend near Zhengzhou, commanders fought a brutal, grinding war. Chinese units, battered yet stubborn, executed strategic retreats and furious counteroffensives. But even as brave soldiers stalled the enemy, the longer fight threatened to drain a nation's will and leave millions unprotected. Then a striking idea surfaced: breach the dikes of the Yellow River at Huayuankou and flood central China to halt the Japanese advance. The plan was terrifying in its moral cost, yet it offered a temporary shield for Wuhan and time to regroup. Workers, farmers, soldiers, laborers—pushed aside fear and toiled through the night, water rising like a raging tide. The flood bought months, not victory. It punished civilians as much as it protected soldiers, leaving a nation to confront its own hard choices and the haunting question: was survival worth the price?   #172 The Road to Wuhan 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. Following the Battle of Xuzhou and the breaching of the Yangtze dykes, Wuhan emerged as Japan's next military objective for political, economic, and strategic reasons. Wuhan served as the interim capital of the Kuomintang government, making it a crucial center of political authority. Its fall would deprive China of a vital rail and river hub, thereby further crippling the Chinese war effort. From a strategic perspective, Japanese control of a major rail and river junction on the Yangtze would enable westward expansion and provide a base for further advances into central and southern China. For these reasons, the Intelligence Division of the Army General Staff assessed that the capture of Wuhan would likely deliver the decisive blow needed to conclude the Second Sino-Japanese War.  Recognizing Wuhan's strategic importance, both the National Revolutionary Army and the Imperial Japanese Army committed substantial forces to the city and its approaches. The IJA deployed roughly 400,000 troops, while the NRA fielded at least 800,000. China began the war with an estimated regular force of 1.7 to 2.2 million men, organized into six broad loyalty-based categories around Chiang Kai-shek's command. Directly loyal troops formed the first group, followed by a second tier of soldiers who had previously supported Chiang but were less tightly controlled. The next category consisted of provincial troops that Chiang could ordinarily influence, while a fourth group included provincial units over which his sway was weaker. The fifth category comprised Communist forces, the Eighth Route Army in the northwest and the New Fourth Army forming in the central Yangtze region. The final category consisted of Northeastern or Manchurian units loyal to Zhang Xueliang, known as the “Young Marshal.” The first two categories together accounted for roughly 900,000 men, with about a million more in independent provincial armies, and roughly 300,000 in Communist and Manchurian forces. As commander-in-chief, Chiang could effectively command only about half of the mobilizable units at the outbreak of war in July 1937, which meant that military decisions were often slow, fraught with negotiation, and administratively cumbersome. Division-level coordination and communication proved particularly challenging, a stark contrast to the Japanese command structure, which remained clean and disciplined. Geographically, most of Chiang's loyal troops were located in the corridor between the Yangtze and the Yellow rivers at the start of 1938. Having participated heavily in the defense of Shanghai and Nanjing, they retreated to Wuhan at about half strength, with an already decimated officer corps. They then numbered around 400,000 and were commanded by generals Chen Cheng and Hu Zongnan. The northern regional armies, especially Han Fuju's forces in Shandong, had suffered severe losses; some units defected to the Japanese and later served as puppet troops. After six months of Japanese onslaught that cost the coastal and central regions—Peiping-Tianjin to Shanghai and inland toward Nanjing—much of the relatively autonomous, sizable armies remained from the southwest or northwest, under leaders such as Li Zongren, Bai Chongxi (Guangxi), Long Yun (Yunnan), and Yan Xishan (Shanxi and Suiyuan). Roughly 700,000 of these troops—predominantly from Guangxi under Li and Bai—were committed to the defense of Wuhan. The Communist forces, by contrast, numbered about 100,000 and remained relatively unscathed in bases north and east of Xi'an. In total, approximately 1.3 million men were under arms in defense of Wuhan. In December 1937, the Military Affairs Commission was established to determine Wuhan's defense strategy. Following the loss of Xuzhou, the National Revolutionary Army redeployed approximately 1.1 million troops across about 120 divisions. The commission organized the defense around three main fronts: the Dabie Mountains, Poyang Lake, and the Yangtze River, in response to an estimated 200,000 Japanese troops spread over 20 divisions of the Imperial Japanese Army. Li Zongren and Bai Chongxi, commanding the Fifth War Zone, were assigned to defend the north of the Yangtze, while Chen Cheng, commanding the Ninth War Zone, was tasked with defending the south. The First War Zone, situated to the west of the Zhengzhou–Xinyang segment of the Pinghan Railway, was responsible for halting Japanese forces advancing from the North China Plain, and the Third War Zone, located between Wuhu, Anqing, and Nanchang, was charged with protecting the Yuehan Railway. Following the Japanese occupation of Xuzhou in May 1938, they sought to expand the invasion. The IJA decided to dispatch a vanguard to occupy Anqing as a forward base for an assault on Wuhan. The main force would then advance north of the Dabie Mountains along the Huai River, with the objective of eventually capturing Wuhan via the Wusheng Pass. A second detachment would move west along the Yangtze. However, a flood from the Yellow River forced the IJA to abandon plans to advance along the Huai and instead to attack along both banks of the Yangtze. Despite Chinese numerical superiority on the Wuhan front, roughly a 2:1 advantage, the offensive faced several complicating factors. The NRA was a heterogeneous, fragmented force with a variety of tables of organization and equipment, and it lacked the unified command structure that characterized the IJA. Historian Richard Frank notes the broad diversity of Chinese forces at the outbreak of the war, which hindered cohesive mobile and strategic operations: “Chiang commanded armies of 2,029,000 troops of highly variegated capability and loyalty. His personal forces included an elite cadre of three hundred-thousand German-trained and eighty-thousand German armed men. A second stratum of the Chinese armies, numbering roughly 600,000 included various regional commands loyal to Chiang in the past that generally conformed to his directives. These troops were better armed and trained than the rest. The third category encompassed a million men who were neither loyal nor obedient to Chiang”. The NRA faced a significant disadvantage in both quantity and quality of equipment compared to the Japanese. The disparity was stark in artillery allocations. An IJA infantry division possessed 48 field and mountain guns, whereas a German-equipped Chinese division had only 16. In terms of regiment and battalion guns, a Japanese division had 56, while a German-equipped Chinese division possessed just 30. Of roughly 200 Chinese infantry divisions in 1937, only 20 were German-equipped, and merely eight of those met their paper-strength standards. Many Chinese divisions had no artillery at all, and those that did often lacked radios or forward-observation capabilities to ensure accurate fire. These deficiencies placed the NRA at a clear disadvantage in firepower when facing the Japanese. These equipment gaps were compounded by poor training and tactical doctrine. The NRA lacked adequate training facilities and did not incorporate sufficient field maneuvers, gun handling, or marksmanship into its program. Although the 1935 drill manual introduced small-group “open order” tactics, many formations continued to fight in close-order formations. In an era when increased firepower rendered close-order tactics obsolete, such formations became a liability. The NRA's failure to adapt dispersed assault formations limited its tactical effectiveness. Defensively, the NRA also faced serious shortcomings. Units were often ordered to create deep positions near key lines of communication, but Chinese forces became overly dependent on fixed fortifications, which immobilized their defense. Poor intelligence on Japanese movements and a lack of mobile reserves, there were only about 3,000 military vehicles in China in 1937, meant that Japanese infantry could easily outflank fixed NRA positions. Moreover, the Japanese enjoyed superiority in artillery, enabling them to suppress these fixed positions more effectively. These realities left Chinese defenses vulnerable, especially in the war's first year. The leadership deficit within the NRA, reflected in limited officer training, further constrained operational effectiveness. Chiang Kai-shek reportedly warned that Chinese commanders often equaled their counterparts in rank but did not outmatch them in competence. Only 2,000 commanders and staff officers had received training by 1937, and many staff officers had no military training at all. Overall, about 29.1 percent of NRA officers had no military education, severely limiting professional development and command capability. With the exception of the Guangxi divisions, Chinese units were hampered by an unnecessarily complex command structure. Orders from Chiang Kai-shek needed to pass through six tiers before action could be taken, slowing decision-making and responsiveness. In addition, Chiang favored central army units under direct control with loyal commanders from the Whampoa clique when distributing equipment, a pattern that bred discord and insubordination across levels of the Chinese field forces. Beyond structural issues, the Chinese force organization suffered from a lack of coherence due to competing influences. The forces had been reorganized along German-inspired lines, creating large field armies arranged as “war zones,” while Russian influence shaped strategic positioning through a division into “front” and “route” armies and separate rear-area service units. This mix yielded an incoherent force facing the Japanese. Troop placement and support procedures lacked rationalization: Chiang and his generals often sought to avoid decisive confrontation with Japan to minimize the risk of irreversible defeat, yet they also rejected a broad adoption of guerrilla warfare as a systematic tactic. The tendency to emphasize holding railway lines and other communications tied down the main fighting forces, around which the Japanese could maneuver more easily, reducing overall operational flexibility. Despite these deficiencies, NRA officers led roughly 800,000 Chinese troops deployed for the Battle of Wuhan. On the Wuhan approaches, four war zones were organized under capable if overextended leadership: 1st, 3rd, 5th, and 9th. The 5th War Zone, commanded by Li Zongren, defended north of the Yangtze to protect the Beijing–Wuhan railway. Chen Cheng's Ninth War Zone defended south of the Yangtze, aiming to prevent seizure of Jiujiang and other key cities on approaches to Wuhan. The 1st War Zone focused on stopping Japanese forces from the northern plains, while Gu Zhutong's 3rdWar Zone, deployed between Wuhu, Anqing, and Nanchang, defended the Yuehan railway and fortified the Yangtze River. Japan's Central China Expeditionary Army, commanded by Hata Shunroku, spearheaded the Wuhan advance. The CCEA consisted of two armies: the 2nd Army, which included several infantry divisions under Prince Naruhiko Higashikuni, and the 11th Army, advancing along the Yangtze's northern and southern banks under Okamura Yasuji. The 2nd Army aimed to push through the Dabie Mountains and sever Wuhan from the north, while the 11th Army would converge on Wuhan in a concentric operation to envelop the city. The Japanese forces were augmented by 120 ships from the 3rd Fleet of the Imperial Japanese Navy under Koshirō Oikawa, more than 500 aircraft from the Imperial Japanese Army Air Service, and five divisions from the Central China Area Army tasked with guarding Shanghai, Beijing, Hangzhou, and other key cities. These forces were intended to protect the back of the main Japanese thrust and complete the preparations for a major battle. The Kuomintang, led by Chiang Kai-shek, was acutely aware that Japan aimed to strike at Wuhan. Facing Japan's firepower and bold offensives, Chiang and his commanders pursued a strategy of attrition at the Wuchang conference in January 1938. Central China would be the primary theater of China's protracted struggle, distant from Japan's existing center of gravity in Manchuria. Chiang hoped Japan's manpower and resources would be exhausted as the empire pushed deeper into Central China. Eventually, Japan would be forced either to negotiate a settlement with China or to seek foreign assistance to obtain raw materials. The mountainous terrain to the north and south of the Yangtze presented natural obstacles that the Chinese believed would hinder large-scale concentration of Japanese forces. North of the Yangtze, the Dabie Mountains provided crucial flank protection; to the south, rugged, roadless terrain made expansive maneuvering difficult. In addition to these natural barriers, Chinese forces fortified the region with prepared, in-depth defenses, particularly in the mountains. The rugged terrain was expected to help hold back the Japanese offensive toward Wuhan and inflict substantial casualties on the attackers. The Yangtze itself was a critical defensive factor. Although the Chinese Navy was largely absent, they implemented several measures to impede amphibious operations. They constructed gun positions at key points where the river narrowed, notably around the strongholds at Madang and Tianjiazhen. Specialized units, such as the Riverine Defense Force, were deployed to defend these river fortifications against amphibious assaults. To reinforce the Riverine Defense Force, Chinese forces sank 79 ships in the Yangtze to create obstacles for potential Japanese naval advances. They also laid thousands of mines to constrain Japanese warships. These defensive measures were designed to slow the Japanese advance and complicate their logistics. The Chinese aimed to exploit stalled offensives to strike at exposed flanks and disrupted supply lines, leveraging terrain and fortified positions to offset Japan's superior firepower. On 18 February 1938, an Imperial Japanese Navy Air Service strike force comprising at least 11 A5M fighters of the 12th and 13th Kōkūtais, led by Lieutenant Takashi Kaneko, and 15 G3M bombers of the Kanoya Kokutai, led by Lieutenant Commander Sugahisa Tuneru, raided Wuhan and engaged 19 Chinese Air Force I-15 fighters from the 22nd and 23rd Pursuit Squadrons and 10 I-16 fighters from the 21st Pursuit Squadron, all under the overall command of the 4th Pursuit Group CO Captain Li Guidan. They faced a Soviet Volunteer Group mix of Polikarpov fighters as well. The 4th Group fighters claimed at least four A5Ms shot down, while the Soviet group claimed no fewer than three A5Ms. Both the Japanese fighter group commander, Lieutenant Kaneko, and the Chinese fighter group commander, Captain Li, were killed in action during the battle. A largely intact A5M downed in the engagement was recovered with a damaged engine; it was the second intact A5M to be recovered, repaired, and flight-tested in the war, following the first recovered-intact A5M credited to Colonel Gao Zhihang during an air battle over Nanjing on 12 October 1937. On 3 August 1938, 52 Chinese fighters, including 20 I-15s, 13 I-16s, 11 Gloster Gladiators, and 7 Hawk IIIs, intercepted at least 29 A5Ms and 18 G3Ms over Hankou. The Guangxi era pilots Zhu Jiaxun and He Jermin, along with Chinese-American fighter pilots Arthur Chin and Louie Yim-qun, all flying Gladiators, claimed at least four A5Ms shot down on that day. The Wuhan Campaign began in earnest when the Imperial Japanese Army's 3rd and 13th Infantry Divisions advanced north of the Yangtze River. Central China Expeditionary Army commander Hata Shunroku designated Shouxian, Zhengyangguan, and the Huainan coal mine as the objectives for the 3rd and 13th Infantry Divisions. Meanwhile, the 6th Infantry Division, part of the 11th Army, advanced toward Anqing from Hefei. The 6th Infantry Division coordinated with the Hata Detachment, which launched an amphibious assault from the river. The 2nd Army's sector saw immediate success. On June 3, the 3rd Infantry Division seized the Huainan coal mine; two days later, it captured Shouxian. The 13th Infantry Division also secured Zhengyangguan on that day. The 6th Infantry Division then made rapid progress immediately north of the Yangtze River, taking Shucheng on June 8 and Tongcheng on June 13. These advances forced the Chinese 77th Corps and the 21st and 26th Army Groups to withdraw to a line spanning Huoshan, Lu'an, and Fuyang. More critically, the Hata Detachment crossed the Yangtze River and landed behind the Chinese 27th Army Group's 20th Corps. The sudden appearance of Japanese forces in their rear forced the two Chinese divisions defending Anqing to withdraw. The fall of Anqing represented a major Japanese success, as they gained control of an airfield crucial for receiving close air support. After battles around Shucheng, Tongcheng, and Anqing, all three cities and their surrounding countryside suffered extensive damage. Much of this damage resulted from air raids that indiscriminately targeted soldiers and civilians alike. In Shucheng, the raids were reportedly aided by a Chinese traitor who displayed a red umbrella to guide daylight bombing on May 10, 1938. This air raid caused substantial destruction, killing or wounding at least 160 people and destroying more than a thousand homes. The town of Yimen also endured aerial destruction, with raids killing over 400 people and destroying 7,000 homes. Yimen and Shucheng were among many Chinese towns subjected to terror bombing, contributing to widespread civilian casualties and the destruction of livelihoods across China. The broader pattern of air raids was enabled by a lack of quality fighter aircraft and trained pilots, allowing Japanese bombers free rein against Chinese cities, towns, and villages. While the aerial assaults caused immense damage, the atrocities committed in these cities were even more severe. In Anhui, where Shucheng, Anqing, and Tongcheng were located, the Japanese brutality was on full display. The brutality can be partly understood as an attempt to destroy China's will and capacity to wage war, yet the extremity of some acts points to a warped martial culture within the Japanese Army, which appeared to encourage murder, torture, rape, and other crimes. Indeed, the Army eventually enshrined this brutality in its doctrine with the so-called “three alls”: kill all, burn all, loot all.  These acts, and more, were carried out in Anhui during the summer of 1938 as the Japanese advanced up the Yangtze River. In Anqing, the Hata Detachment killed at least 200 people without compunction. A further 36 civilians on a boat were detained and killed by Japanese marines, who claimed they were potentially Chinese soldiers. The countryside around Anqing, Shucheng, and Tongcheng witnessed continued atrocities. In Taoxi village of Shucheng County, the Japanese burned over 1,000 houses and killed more than 40 people. At Nangang, Japanese soldiers killed more than 200 people and committed numerous rapes, including many victims over 60 years old. Tongcheng also became a site of forced sexual slavery. The Japanese atrocities, intended to terrify the Chinese into submission, did not achieve their aim. Chinese resistance persisted. After a brief withdrawal, the 20th Army held stoutly at Jinshan for four days before retreating to Xiaochiyi and Taihu. These withdrawals, while costly, lured the Japanese deeper into the interior of China. As the Japanese advanced, their flanks became increasingly vulnerable to counterattack. On June 26, 1928, the Chinese 26th Army Group attacked the flanks of the 6th Infantry Division at Taihu. The 26th Army Group was supported by the 20th and 31st Armies, which attacked from the front to pin the 6th Infantry Division in place. The 6th Infantry Division was ill-prepared to respond, suffering a malaria outbreak that left about 2,000 soldiers unfit for combat. Fighting continued until June 29, when the Japanese withdrew. The focus of operations north of the Yangtze shifted to Madang, a key river fortress protected by obstacles and river batteries. Roughly 600 mines were laid in the Yangtze near Madang, and the fortress was largely manned by the Riverine Defense Force, with a small garrison; including stragglers from the 53rd Infantry Division, the Madang garrison totaled roughly 500 men. Initial expectations had Madang holding, since Japanese ships could not easily remove obstacles or suppress the batteries. On the dawn of June 24, however, news reached Madang that Xiangkou had fallen to the Japanese, enabling a land threat to Madang, and many Madang defenders, including most officers above the platoon level, were absent at a nearby ceremony when the attack began.  On 24 June, Japanese forces conducted a surprise landing at Madang, while the main body of the Japanese Eleventh Army advanced along the southern shore of the Yangtze. The Chinese garrison at the Madang river fortress repelled four assaults, yet suffered casualties from intense bombardment by Japanese ships on the Yangtze and from poison gas attacks. Compounding the difficulty, most of the Chinese officers responsible for Madang's defense were absent due to a ceremony at a local military school by Li Yunheng, the overseeing general. Consequently, only three battalions from the second and third Marine Corps and the 313th regiment of the 53rd Division took part in the defense, totaling no more than five battalions. When the 167th Division, stationed in Pengze, was ordered by War Zone commander Bai Chongxi to move swiftly along the highway to reinforce the defenders, divisional commander Xue Weiying instead sought instructions from his direct superior, Li Yunheng, who instructed him to take a longer, more navigationally challenging route to avoid Japanese bombers. Reinforcements arrived too late, and Madang fell after a three-day battle. Chiang Kai-shek promptly ordered a counterattack, offering a 50,000 yuan reward for the units that recaptured the fortress. On June 28, the 60th Division of the 18th Corps and the 105th Division of the 49th Corps retook Xiangshan and received 20,000 yuan, but made no further progress. As the Japanese army pressed the attack on Pengze, Chinese units shifted to a defensive posture. Chiang Kai-shek subsequently had Li Yunheng court-martialed and Xue Weiying executed. After the fall of Madang, the broader Wuhan campaign benefited from Madang as a foothold along the Yangtze, as the river continued to function as a dual-use corridor for transport and amphibious landings, aiding later operations and complicating Chinese defensive planning. The rapid capture of Madang demonstrated the effectiveness of combined arms, amphibious insertion, and secure supply routes along a major river, while Chinese defenses showed weaknesses such as reliance on rough terrain, underestimation of Japanese amphibious capabilities, and delayed reinforcement, which, coupled with gas warfare, produced a swift loss. The fall influenced subsequent Chinese fortifications and defensive doctrine along the Yangtze and affected decisions regarding garrison allocations and riverine operations. After Madang fell, Japan's 11th Army pressed toward its next major objectives, Jiujiang, Huangmei, and Xiaochikou. It took nearly three weeks for the Japanese to clear the waterway around Madang of mines, costing them five minesweepers, two warships, and a landing craft full of marines. Jiujiang stood out as the most important due to its status as a key river port and railway junction. To defend these targets, China deployed the 1st Army Corps to Jiujiang, the 2nd Army Corps to cover the area west of Jiujiang, and the 4th Army Corps to defend Xiaochikou. Despite these reinforcements, the Japanese continued their advance.  The Japanese initially captured Pengze but met strong resistance at Hukou, where they again deployed poison gas during a five-day battle. During the breakout, there were insufficient boats to evacuate the auxiliary troops of the defending 26th Division from Hukou, leaving only a little over 1,800 of the more than 3,100 non-combat soldiers able to be evacuated, and the majority of the more than 1,300 missing soldiers drowned while attempting to cross the Poyang Lake. On July 23, they conducted an amphibious operation at Gutang, with the Hata Detachment landing at Jiujiang shortly thereafter. These landings south of the Yangtze represented another step toward Wuhan, which lay about 240 kilometers away. The Chinese responses consisted of relentless counterattacks, but they failed to dislodge the Japanese from their bridgeheads. Consequently, the Japanese captured Xiaochikou by July 26 and Jiujiang by July 28, with a note that poison gas may have been used at Jiujiang. North of the Yangtze, the 6th Infantry Division moved forward and seized Huangmei on August 2. Despite stubborn Chinese resistance, the Japanese had gained considerable momentum toward Wuhan. Soon after the fall of Jiujiang and surrounding areas, the local population endured a renewed surge of war crimes. The Imperial Japanese Army sought to break China's will to resist and its capacity to endure the onslaught. Male civilians were executed indiscriminately, along with any POWs unable to retreat in time, while women and children were subjected to mass rape. In addition, numerous urban districts and suburban villages were deliberately razed, including the city's ceramics factories and its maritime transportation system. The widely documented “three alls” policy proved devastating in the Yangtze region: in Jiujiang alone, as many as 98,461 people were killed, 13,213 houses destroyed, and property losses reached 28.1 billion yuan. Yet numbers fail to convey the brutality unleashed in Jiujiang, Hukou, and Xiaochikou south of the Yangtze. On July 20, the Japanese confined 100 villagers in a large house in Zhouxi village, Hukou County, and erased them with machine guns and bayonets. Tangshan village witnessed similar brutality on July 31, when eight people were drowned in a pond and 26 houses burned. That September, learning that children and the elderly at Saiyang Township were taking refuge in caves on Mount Lushan, the Japanese proceeded to bayonet defenseless civilians, many beheaded, disemboweled, or amputated. These acts, among others, were carried out on a mass scale south of the Yangtze, resulting in tens of thousands of deaths around Jiujiang. Despite the enormity of these crimes, Chinese people did not surrender. Among those who resisted was Wang Guozhen of Wang Village in Pengze County. Upon learning of the Japanese approach to Pengze on July 1, Wang, a teacher, led women, children, and the elderly into mountains and forests to seek safety. However, Wang and his followers soon encountered Japanese troops who attacked them, instantly killing over 20 people. Wang denounced their actions as the Japanese took him captive and had him whipped for over an hour. They had hit him so hard his skin was peeling off and he had broken his left thigh. They then demanded he collaborate with them, but to this Wang responded “a common man cannot resist the enemy for his country and he will only die”. After hearing these words, the Japanese simply stabbed him with a bayonet in his left eye and in his chest area, ultimately killing him. Wang's small act of defiance would earn him a plaque from the KMT that states “Eternal Heroism”. Even though Wang's heroism was commendable, bravery alone could not halt the Japanese advance along the Yangtze. After securing Jiujiang, Xiaochikou, and Gutang, the 106th and 101st Infantry Divisions carried out amphibious operations further upriver. The 106th Infantry Division landed on the Yangtze's east bank, pushing south of Jili Hu. Concurrently, the Sato Detachment, two infantry battalions plus a field artillery battalion from the 101st Infantry Division, landed east of Xiaochikou and concentrated on the east side of Mount Lu. The Japanese advance soon faced firm Chinese resistance despite these early gains. The 106th Infantry Division encountered the in-depth defenses of Xue Yue's 1st Corps. These defenses formed an isosceles triangle with Jiujiang at the apex and the Jinguanqiao line at the base. Although Jiujiang was abandoned in late July, the triangle's base at Jinguanqiao remained strong, with the 8th, 74th, 18th, 32nd, 64th, 66th, 29th, 26th, 4th, and 70th Armies concentrated in the Jinguanqiao area. These forces inflicted heavy losses on the 106th Infantry Division, which saw nearly half of its captains killed or wounded during the fighting. To aid the 106th Division's breakthrough near Jinguanqiao, the 11th Army deployed the 101st Infantry Division to the area east of Xiaochikou in mid-August. From there, the division pushed toward the east side of Mount Lu, aiming to seize Xingzi in an amphibious assault via Lake Poyang. The objective was to outflank De'an and the nearby Nanxun Road. On August 19, the 101st Infantry Division executed the plan and landed at Xingzi, where they faced strong resistance from the 53rd Infantry Division. However, the division found itself isolated and thus vulnerable to being outflanked. By August 23, the 53rd Infantry Division had withdrawn to the east. 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 1938 Wuhan stood as China's fragile beacon. Wuhan's defense hinged on a patchwork of war zones and weary commanders, while Japan poured in hundreds of thousands of troops, ships, and air power. The Yangtze became a deadly artery, with river fortresses, brutal bombings, and mass casualties. Yet courage endured: individuals like Wang Guozhen chose defiance over surrender.

In this episode, Elijah explores why beginning your financial planning journey early can transform not just your bank balance, but your entire life. He breaks down the compounding power of time, showing how consistent habits, even with modest amounts, lead to lasting financial freedom and flexibility. Drawing on real-life stories, Elijah explains how starting early creates margin, reduces stress, and gives you options that money alone can't buy. He also discusses the deeper meaning of stewardship, encouraging listeners to model healthy financial habits for their children and future generations.  -- Timestamps: 00:00 – Introduction 01:05 – Why People Delay Planning 02:20 – The Power of Compounding 04:10 – A Client Story 06:00 – Faith and Stewardship 07:15 – Freedom from Fear 08:25 – Building Habits for the Future 09:45 – Final Challenge   -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Public distrust in legacy media has surged over the past decade, driven largely by perceptions of bias, manipulation, and selective storytelling. Studies from the Reuters Institute and Pew Research Center show that audiences increasingly believe mainstream outlets push political or corporate agendas instead of objective truth. Over two-thirds of respondents in Reuters' 2024 “Bias, Bullshit, and Lies” report said they view major networks as “too agenda-driven” and “out of touch” with the public. This skepticism deepened after repeated high-profile media failures—such as misreported stories, selective coverage of scandals, and the close ties between journalists and political power brokers—that reinforced the sense that mainstream journalism serves elites rather than the audience. Many consumers now see news organizations less as watchdogs and more as part of the same establishment they were supposed to hold accountable.Compounding this decline is the economic collapse of traditional journalism and the rise of the 24-hour digital cycle, which prioritizes clicks and engagement over verification and nuance. Shrinking newsroom budgets have led to the erosion of investigative reporting, replaced by punditry and algorithm-driven sensationalism. As newsrooms consolidate under a handful of corporate owners, audiences increasingly question whether editorial independence still exists. Meanwhile, social media has given rise to both alternative outlets and disinformation, further blurring the public's ability to distinguish fact from narrative. The result is a fractured media landscape where trust is earned less through prestige and more through perceived authenticity—and for many, the old institutions have failed that test.to  contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Canada's housing market is undergoing a fundamental transformation—not just in prices, but in the types of homes being built. From Toronto to Vancouver to Calgary, developers are hitting pause, construction starts are slowing, and the mix of housing completions over the next 3 to 5 years is shifting dramatically. Single-family homes and condos, the traditional pillars of Canadian homeownership, are seeing major declines in new construction, while purpose-built rentals are quietly surging to record levels.Toronto, often viewed as a leading indicator, has seen residential units under construction fall by 2.3% in just the last month and nearly 11% year-over-year. The most significant drop is in condo construction, which is down 16.4%, alongside a 17.1% decline in single-family homes. Meanwhile, purpose-built rentals have jumped 15.5% year-over-year. Vancouver and Calgary mirror this trend to varying degrees. Calgary, in particular, stands out with purpose-built rentals up nearly 55% year-over-year.This shift signals a fundamental reorientation in Canada's housing pipeline. Fewer condos and detached homes are on the horizon, while rental supply is set to expand significantly. The likely outcome is continued downward pressure on rental rates, declining returns for individual condo investors, and increased resale activity as holding becomes less attractive. At the same time, the construction of new single-family homes is virtually non-existent outside of legacy luxury pockets like Shaughnessy, West Vancouver, or Point Grey.Compounding this trend, the future pipeline is showing further weakness. Building permits have fallen 2.4% year-over-year, and when adjusted for inflation, the value of those permits has dropped by nearly 8%, representing over $560 million in reduced residential development. Single-family home permits are down over 10%, and even the more resilient multifamily sector is beginning to slow. Since peaking in December 2024, multifamily permits have declined nearly 29%.These trends suggest that despite aggressive government incentives to stimulate new housing, developers are losing confidence. Rising costs, softening demand, and bureaucratic friction are now overpowering policy carrots. This disconnect between government ambition and market risk tolerance is emerging as a critical obstacle to new supply.Nowhere is this more visible than in Burnaby. As one of the first cities to aggressively implement British Columbia's multiplex zoning legislation, Burnaby fast-tracked significant densification across formerly single-family zones. But as those projects break ground, residents are pushing back. From 4-storey laneway houses to high-density builds with zero parking, public backlash has prompted the city to reconsider.Together, these data points paint a picture of a housing market that is not just cooling, but reshaping. The supply mix is being rewritten, urban policy is facing backlash, and economic signals are increasingly bifurcated between headline strength and structural weakness. For homeowners, investors, and policymakers alike, the next chapter in Canada's housing story won't just be about prices—it will be about purpose. _________________________________ Contact Us To Book Your Private Consultation:

Jennie kicks off the new Write Big series with a conversation about what it really means to stop playing small in your writing life. If you've ever felt the tug to bring more of yourself to the page—or wondered why your words aren't landing the way you want—this episode will spark reflection and give you permission to choose courage, clarity, and creativity in your work.Transcript Below!#AmWriting: A Groupstack is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber.SPONSORSHIP MESSAGEHey, this is Jennie Nash, and I wanted to invite you to check out my Substack newsletter, The Art & Business of Book Coaching. It's totally free unless you choose to support me, and it's secretly really great for writers. The reason is that book coaches are in the business of helping writers do their best work. So I'm always talking about writer mindset and things like helping a writer find their structure or find an agent or find their position in the marketplace. If you're considering investing in having somebody help you, it's a great way to get prepared to know who you might want to pick and what you might want to ask of them. You'll get an inside peek at the way that the people who are in the business of helping writers think about writers, and so in that way, it can help you become a better writer just by tuning in. I have a lot of writers following me over there, so if you're interested, come check it out you can find it at substack.com/@JennieNash. That's substack.com/@JennieNash, and it's J-E-N-N-I-E.EPISODE TRANSCRIPTHi, I'm Jennie Nash, and you're listening to the Hashtag AmWriting Podcast, and today, we're starting something new. It's a special series here on Hashtag AmWriting where we explore what happens when writers hold back, play it safe, or hide in the shadows—and what changes when they step into their full creative power. I'm calling these the Write Big Sessions.I'll be sharing solo reflections, interviewing different writers and industry professionals about the ways they play big, talking with KJ about these ideas, and offering the chance for you to reflect at key times of the year, all circling around one big question: How are you playing small in your writing life? And here's the good news: you don't have to keep doing that. You can choose to Write Big, with courage, clarity, and the power to bring your whole self to the page.Today I'm talking about why I'm obsessed with the whole concept of writing big, and why I've committed my whole career to helping writers do it.In April, I went on a wellness retreat in Costa Rica, which was being run by Dr. Diana Hill, one of my book coaching clients, and the author of the book Wise Effort. When we arrived, there were the usual introductions—where are you from? What do you do? What brought you here? One woman heard about my work with Diana and said, “Oh, that's so crazy. I'm dying to write a book. I'd love to talk to you.”I smiled and said something polite, because this is something I hear all the time. I'm a book coach, and whenever anybody hears about what I do, they always say that either they or their sister or cousin or brother or neighbor or somebody is dying to write a book. They say that 82% of American adults want to write a book. And from my experience out in the world, I don't doubt it.In the middle of the week, Diana guided us through a visualization exercise designed to help us reconnect with our values and desires, and it was intense. We had to write for 15 minutes about what we would do if we only had a year left to live. We then had to write about what we would do if we only had a month left to live, and then a week, and then a minute.After we did the writing exercises, we partnered up with whoever was sitting next to us to share what we had discovered, and my partner happened to be the woman who wanted to write the book. I shared with her that if I had a year left to live, I would absolutely be writing a book to try to capture everything that I've learned throughout my career. I'm just wired to teach and to inspire others, and it's what I would do.If I only had a month left to live, I'd still have that on my list. I imagined a burst of creative energy at the end of my life to propel me through this creativity, and of course leave me time to be with my husband and my two kids. We would probably watch silly movies and play games and fight about it, and we would probably take walks, and I would tell them how much I've loved loving them.When I got down to one week left to live, and then one minute, writing reluctantly dropped off my list because I had to face the limits of time and my priorities of being with my family. But what was interesting is that the woman who literally told me she was dying to write a book did not include writing on any of her lists.And to be honest, this didn't surprise me. So many people say they want to write a book, but they don't want it to cost them anything. They don't want to give up anything in order to do it. They're not ready to Write Big.But I find that the writers who are ready to Write Big—the ones who are yearning to connect with their deepest creative desires and write something they love that their readers might love—those people are motivated to do whatever it takes, if only they knew what those things were.These writers are already probably spending time, effort, energy, and money writing their morning pages, clocking 1000 words a day, maybe turning out shitty first drafts and maybe even publishing. They're doing work, but the books they're writing are falling flat, failing to make an impact, and leaving them frustrated and desperate to figure out what's missing in their creative life. They can't quite figure out why they're not writing something that feels as amazing to them as the writing that they love feels when they read it.Compounding this frustration is the glut of craft resources, productivity tips, and marketing strategies coming at us every day. It's easy to get lulled into the belief that knowing how to write and publish is all it takes to fulfill your creative dreams. But I know better.In my work at Author Accelerator, where I train and certify people to be book coaches, mostly what we're doing is helping people figure out how to help writers to Write Big. At the end of the day, what an excellent book coach does is help a writer step into their full creative power.And I want to be clear about what I mean by writing big. It's not about hitting bestseller lists or being loud on the internet. It's bringing your whole self to the page, choosing courage over comfort, and daring to be seen. It's the difference between spending time on your writing—and committing your whole self to it.The ironic thing is that when writers decide to play big, the rewards of the marketplace often follow, because readers can tell when you're playing small, holding back, dialing it in, or not really connecting with yourself or them.I sometimes think there are bigger problems in the world than helping writers make a shift in their relationship to their work. But then I'm reminded of what happens when writers bring their whole selves to the page. Hearts and minds get changed, people feel less alone, the world becomes more connected.So what I'll be talking about in these Write Big Sessions is BIG! I'll be keeping the episodes short on purpose, and I'll usually end with a reflection or action step. I'm a book coach, after all—it's what I do.For today, I would just ask you to think about what the concept of writing big has brought up for you, just hearing about it. What feelings or thoughts arise?Until next time, stop playing small, and write like it matters.NarratorThe Hashtag AmWriting Podcast is produced by Andrew Perrella. Our intro music, aptly titled, Unemployed Monday was written and played by Max Cohen. Andrew and Max were paid for their time and their creative output, because everyone deserves to be paid for their work.#AmWriting is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit amwriting.substack.com/subscribe

We analyze CSX's recent Q3 earnings, noting that while adjusted operating income fell 8% due partly to a non-cash write-down and export coal decline, the operational story shows significant strength. The railroad is running better than ever, reporting a 1% growth in overall volume fueled by a robust 5% surge in intermodal traffic, alongside key operational improvements like an 8% decrease in terminal dwell time. Global markets continue to see chaos, as trans-Pacific container freight rates plummet due to overcapacity and worsening US-China trade friction, causing Asia-US West Coast rates to fall to pre-pandemic levels. Furthermore, the UN's International Maritime Organization postponed action on a global carbon tax following US opposition, a delay analysts warn risks stalling green investments and potentially leading to higher future freight rates down the line. Domestic capacity tightness is intensifying at the US-Mexico border, driven by policy changes like the pause on new foreign commercial driver visas and new English proficiency interviews, leading to a massive 18% jump in Laredo's Outbound Tender Reject Index. Compounding the labor issue, the industry is seeing a strong push to reimplement rigorous CDL training centered on the crucial Smith System's five key principles, arguing that proactive human override is essential for safety over the current priority of speed of qualification. On the equipment innovation front, Wabash National is expanding its Trailers as a Service platform with the new offering, TaaS Pools, designed to provide short-term, on-demand capacity for maximum flexibility, particularly for 3PLs. Unlike traditional leasing, TaaS Pools includes embedded management and maintenance, backed by TrailerHawk technology, which is critical for guaranteeing trailer uptime when capacity is tight. Learn more about your ad choices. Visit megaphone.fm/adchoices

We analyze CSX's recent Q3 earnings, noting that while adjusted operating income fell 8% due partly to a non-cash write-down and export coal decline, the operational story shows significant strength. The railroad is running better than ever, reporting a 1% growth in overall volume fueled by a robust 5% surge in intermodal traffic, alongside key operational improvements like an 8% decrease in terminal dwell time. Global markets continue to see chaos, as trans-Pacific container freight rates plummet due to overcapacity and worsening US-China trade friction, causing Asia-US West Coast rates to fall to pre-pandemic levels. Furthermore, the UN's International Maritime Organization postponed action on a global carbon tax following US opposition, a delay analysts warn risks stalling green investments and potentially leading to higher future freight rates down the line. Domestic capacity tightness is intensifying at the US-Mexico border, driven by policy changes like the pause on new foreign commercial driver visas and new English proficiency interviews, leading to a massive 18% jump in Laredo's Outbound Tender Reject Index. Compounding the labor issue, the industry is seeing a strong push to reimplement rigorous CDL training centered on the crucial Smith System's five key principles, arguing that proactive human override is essential for safety over the current priority of speed of qualification. On the equipment innovation front, Wabash National is expanding its Trailers as a Service platform with the new offering, TaaS Pools, designed to provide short-term, on-demand capacity for maximum flexibility, particularly for 3PLs. Unlike traditional leasing, TaaS Pools includes embedded management and maintenance, backed by TrailerHawk technology, which is critical for guaranteeing trailer uptime when capacity is tight. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textSchedule an Rx AssessmentSubscribe to Master The MarginAs a pharmacist, serving your community means putting your advocacy hat on and stepping into unfamiliar territory. One of the largest untapped resources that can really drive change towards PBM reform is using your existing patient base to show legislators the importance of PBM legislation.In this episode, Scotty Sykes, CPA, CFP®, Bonnie Bond, CPA, MBA, and Austin Murray, sit down with pharmacist and owner of Table Rock Pharmacy, Jessi Stout, to explore the grassroots advocacy efforts driving Pharmacy Benefit Manager (PBM) reform in North Carolina.We cover:How to engage customers in advocacyWhy local advocacy is critical for independent pharmaciesReal-world stories that bring the PBM issue to life for legislatorsMore About Our Guest:Jessi Stout is the owner of Table Rock Pharmacy in Morganton, North Carolina and winner of the 2025 Cardinal Health's Community Leadership Award which celebrates independent pharmacists going above and beyond for their community.A dedicated advocate for independent pharmacy, Jessi was once uninvolved in politics, has become a strong leader in the fight for PBM reform and combines her role as a local pharmacist with her passion for patient care, ensuring her voice and the voices of her patients are heard in legislative conversations that shape the future of pharmacy.Table Rock Pharmacy was one of the first pharmacies in North Carolina to offer the yellow fever vaccine and was the only pharmacy in the region offering the REGEN-COV and EVUSHELD injections while they were authorized to treat COVID-19.Additionally, during Hurricane Helene, Table Rock Pharmacy remained open, despite power outages and fallen trees. Transactions were recorded by hand to ensure patients could still get their prescriptions. At one point, they transported a generator by wheelbarrow to keep critical medication frozen. During this time, Stout also spoke out against audits being performed by Optum Rx. A social media post went viral, and this attention resulted in audits being paused for hurricane-affected areas.Learn more about Jessi and Table Rock Pharmacy:Table Rock Pharmacy FacebookTable Rock Pharmacy InstagramTable Rock Pharmacy WebsiteTable Rock Pharmacy TikTokTable Rock Pharmacy YouTubeStay connected with us on social media:FacebookTwitterLinkedInScotty Sykes – CPA, CFP LinkedInScotty Sykes – CPA, CFP TwitterBonnie Bond – CPA LinkedInBonnie Bond – CPA TwitterMore on this topic:Podcast: Becoming a Pharmacy GladiatorPodcast: Pharmacy's Never Ending StoryPodcast: Pharmacy O

See all the Healthcasts at https://www.biobalancehealth.com/healthcast-blog If you ever doubted your doctor because she wrote a script that you later “Googled” and found was not FDA approved, I hope you trusted your doctor enough to realize that she wouldn't recommend any medication that would hurt you…. What is an unapproved use of a drug, also called “off-label”? Unapproved use of an approved drug is often called “off-label” use. This term can mean that the drug is: Used for a disease or medical condition that it is not approved to treat, such as when a chemotherapy is approved to treat one type of cancer, but healthcare providers use it to treat a different type of cancer. The drugs that are not approved by the FDA, yet are commonly used, have been used for decades before the 1964 law that required new drugs to go through extensive and very expensive testing before their release to the public. The operative word is NEW DRUGS AFTER 1964. Today I will talk about the safety of non-FDA approved drugs because they are: Older cheaper drugs used for many diseases and conditions before 1964 and are still used Drugs that are approved for one use, or one condition, but not for other conditions that it is effective and safe for. Drugs made by compounding pharmacies for diseases that the FDA has not approved a drug for, but there is research backing the drug and years of safe use. First, before we discuss the non-FDA approved drugs, I will discuss the safety/risks of FDA approved drugs, and why FDA approval doesn't mean a drug will do no harm or even that it is effective for the use it is approved for. A little background will help you understand the problem and the reason an FDA approval does not necessarily mean a drug is safe.  Since 1964, a law was passed that established testing prior to a drug being approved by the FDA became mandatory.   Since that time several drugs that survive FDA approval and are released but are later removed or banned after their FDA release when the public finds side effects that the FDA didn't discover in their trials. One such drug is Fen-Phen, Fenfluramine/Phentermine. This drug was released during my time practicing medicine and was withdrawn after one study claimed it caused heart valve disease…In the end the “one post approval study” that claimed that heart valves were affected by this drug that caused its bann was found to be false. The withdrawal of the drug followed one study by a single cardiologist from Kansas City had reviewed all of the cardiac valve echo tests and falsified the results to make Fen-Phen appear dangerous to heart valves, when in reality it wasn't.  She lost her license, but the FDA never put Fen-Phen back on the market!  The FDA hates to be wrong twice, so they never allowed this drug back on the market after its removal. Other mistakes made by the FDA include not allowing women in the studies to approve a drug before 2014 which ignores or misses all of the side effects or lack of effectiveness for a drug when taken by women.  Despite all the expensive testing before the release of a drug by the FDA, many drugs not tested on women were later often found to have severe side effects only on women. A few examples follow: You might have heard of the FDA approved drug Ambien that causes many women to experience “night eating”, sleepwalking, and night terrors, while their male counterparts were not affected, so because they only tested men the drug was approved. In retrospect it should have been tested on women as well, and then either not passed through the FDA or should have had a black box warning for women. It takes years get action from the FDA, notifying doctors of these side effects. Women were not included in testing for any drugs except female hormones until 11 years ago, but no other drugs.   Before 2014 all (non-hormonal) drugs that passed the FDA were not tested on women so the effect on women was unknown until it was tested on the public. The FDA left women out of drug-trials because it viewed women as “mini men”, or they didn't consider us important enough to test new drugs on…OR worse, they believed we were too complicated to easily test us because of pregnancy, menopause and other hormonal swings that normal healthy women have.  In any case, we are now suffering their decisions, when a medication works one way for men and another way for women! Finally, we are tested when drugs are being evaluated for approval by the FDA. Professional women have achieved a level of authority in medicine and pharmacology (2025) and are weighing in on the inequity. Women in the medical profession and the public are pulling back the curtain on the side effects of FDA approved drugs that are experienced by women only! Slowly, study by study investigators are now publishing the side effects and problems for women with FDA approved drugs….yet these findings are not included in the warnings on most of these drugs, even now over 15 year after they became obvious to the doctors who treat women! Drugs that either don't work for women, or that have severe side effects include that were approved before 2014. All statin drugs for high cholesterol (Crestor, rosuvastatin, atorvastatin, etc.) cause women to have muscle breakdown and muscle pain. Synthroid (levothyroxine), doesn't cure the symptoms of hypothyroidism in 80% of women, but just makes the TSH lower, so it appears as if it is working! This leads doctors to tell women that their symptoms are all in their heads!! Wrong.  It is the wrong medicine. Women have enzymes that differ from men that make it difficult for them to convert the inactive form (T4) into the active form (T3), so we can't convert Synthroid (all T4) into the active form. Synthroid, the FDA approved drug for hypothyroidism, shouldn't be given to most women. Women should be given the non-FDA approved drug Armour Thyroid or NP thyroid that have both T3 and T4 in them! Ambien Prednisone and other oral steroids We have reviewed the lack of testing on women before 2014, now we will discuss safe drugs that have been used for decades even before 1964 when the FDA required testing for FDA approval? Older, yet effective and inexpensive drugs have been tested by the public, some for almost 100 years that have saved thousands of lives, yet they are not given the FDA stamp of approval!  In fact, the FDA tries to put these drugs out of circulation, replacing them with very expensive drugs that are new! Or they just shut them down, because they are not FDA approved.  Young doctors are told not to use them by their medical schoolteachers who rarely have experienced these medications in private practice…. These doctors in training don't know the history of older safer, cheaper drugs, or even why the FDA tells them avoid them. They comply not knowing why, so you are left with no drug that works for you, or you pay 3-10 times the amount for a newer FDA version of the older drug which may even have more side effects. Some of these older very effective and cheap drugs are Penicillin, Nitroglycerine for chest pain, Morphine (pain), Phenobarbital (seizures), Codeine, Armour Thyroid, hormone injections including estradiol injections and testosterone, Thorazine for psychiatric use, (Pitocin) oxytocin for labor, lactation support and Autism Colchicine:Used to treat and prevent gout. Progesterone in oil (IM) Estradiol in oil (IM) B12 for injection Testosterone Cypionate for injection Compounded Estradiol in any form Compounded Testosterone for women These drugs have been used for so long that any safety risks or side effects have been found through the use of these drugs in the population. Yet the FDA won't grandfather them in and approve them based on their history! What do doctors do when the drug the FDA has approved a drug that doesn't work for a group of their patients (gender, race, blood type, etc.)?  What happens when a doctor can't find a drug that is FDA approved needed to treat a condition she is faced with? Why do we as citizens, allow the government to have power over doctors who are already controlled by their state licensing boards as to what medications they?  Lastly Why do taxpayers allow a government agency that they fund with tax dollars control their health by banning, or not approving drugs, or banning one drug so an outrageously expensive drug is put in its place? Compounded Medications/ Compounding Pharmacies: These drugs are made by mixing ingredients to meet individual patient needs and are not subject to premarket review for safety, effectiveness, or quality. However, they ARE subject to the success or failure for which they were prescribed. If a doctor prescribes a compounded drug that doesn't work, she is apt to be confronted by her patient who is not getting the expected results.  Compounding pharmacies usually don't get paid by insurance, so patients are more invested in getting a drug that works and that is one of the big reasons that Compounded medicines are at least as good or better than big pharma or generic drugs. I absolutely could not successfully treat the thousands of women and men that I have without compounding pharmacies.  They compound hormones/drugs that are safe and effective, mostly hormones that can't be patented because they occur in nature and won't ever be made by big pharma. More than that, big producers of drugs can't produce in mass quantities many doses of a certain hormone like compounding pharmacies do.  Compounding pharmacies provide what people need and they continue to do so because patients prefer their dosing and quality.  FDA approved Generic Drugs can be legally 25 % lower dose than what they say they are.  That would be a big problem if my compounded pellets had that kind of variability. People might need pellets every 2months or every 5 months instead of every 4 months..it would be like guessing what you need ahead of time…..I believe dedicated compounding pharmacists are more accurate than any generic on the market. Compounding pharmacies: Unsung Heros Compounding pharmacies serve the public when big pharma fails and hasn't developed a safety net for production if they have a problem and the FDA shuts them down. That situation leaves patients who take their medications, without an alternative. Compounding pharmacies step into the breech when big pharma has a problem with a particular drug and stop making a drug (e.g. Lidocaine, B12 injectable, IV Fluids, to name a few shortages and no production that have occurred in the recent past). What if patients couldn't get the meds they need, and if there were no compounding pharmacies—Chaos and suffering and dying patients would closely follow! The FDA is Fickle and is not on your side! For years the FDA did not approve of Bioidentical estrogen and testosterone in any form, and just a few months ago all of a sudden, long after they scared women from taking the hormones they needed to improve their length of life and quality of life, they decided bioidentical hormones are better than the FDA approved hormones!!!  That is a little too late.  Some of us will never forget the stress lack of approval of compounded hormones caused for doctors and patients alike.  Other doctors criticized us and now most of them aren't even in practice anymore.  Maybe the FDA read my blog!!! Compounded hormones have been approved by the masses of women who have taken them under my signature! Compounded BI hormones are medications with a long track record and should not have to be tested with the bloated expense required of testing for the FDA. For Gynecological Disorders that don't have an FDA approved hormone drug because testosterone and estradiol have been used for so long that they don't need testing. If there was a significant problem with them their history of use of over 5-7 decades has proven the efficacy and safety of the female hormones for treatment and hormone replacement. For Psychiatric Disorders: Some patients need compounded ketamine products for conditions like severe depression, despite lacking FDA approval for these uses and potential risks, yet it has been used for this purpose for decades and was used for childbirth for almost a century, until epidurals and saddle blocks took their place. Testosterone for women still is not recognized as a female hormone even though women produce over twice as much Testosterone as Estradiol when they are in their fertile years.   Replacement of T with bioidentical T pellets offers a treatment for dozens of symptoms women face after age 40, and it prevents the diseases of aging: osteoporosis, heart disease, sarcopenia, frailty, diabetes and more that have not been addressed by mainstream medicine and the FDA. Over a decade ago, the FDA turned down the approval of testosterone patch after over 3 years of positive research studies, the FDA said they didn't approve T for women is because the side effect of T for women, facial hair, was dangerous for women.…I cry B—–S—-!  That is really men not wanting to share testosterone replacement with women. I say leave us alone and let women and their doctors determine what they need.  It is proven that only 5% of all professionals in any profession are not trustworthy, so give doctors their due and trust that we are looking for answers to our patients' problems that you don't even know about! The FDA is paid for by us…everyone in this country. I say hands off! Speed up the approval process or forget it for older drugs and BI hormones! ~

Our teacher today is Jan Mohr, CEO of Chapters Group, a publicly traded serial acquisition holding company with ambitions of becoming one of Europe's technology champions. Chapters' origins date back to a small software startup founded near Frankfurt in 1998. Twenty years later, the core business was sold to a strategic buyer, consolidating the market with the proceeds of the sale in 2018. With Jan's influence, the company embarked on a new chapter, pivoting to build the preferred home for mission-critical businesses across the old continent. Over the last five years, they have been on an absolute tear, having founded four distinct acquisition platforms that collectively acquired around 60 operating companies, demonstrated the ability to build a prolific M&A machine, while also improving the operations of the companies they acquire. Virtually every company in the world today is, on some level, thinking about AI in terms of threats, opportunities, and implications for their business. Perhaps nowhere is that discourse more animated right now than in the software industry. And as you'll hear from Jan, AI's potential to be a transformative force driving not only efficiencies, but also TAM expansion and most importantly, tangible customer value, is already evident throughout their business. We hope you enjoy class today with our good friend and Chapter CEO, Jan Mohr. For the full show notes, transcript, and links to mentioned content, check out the episode page here. —-- This episode is brought to you by ⁠Portrait Analytics⁠ - your centralized resource for AI-powered idea generation, thesis monitoring, and personalized report building. Built by buy-side investors, for investment professionals. We work in the background, helping surface stock ideas and thesis signposts to help you monetize every insight. In short, we help you understand the story behind the stock chart, and get to "go, or no-go" 10x faster than before. Sign-up for a free trial today at ⁠portraitresearch.com⁠ —-- Joys of Compounding is a property of Pine Grove Studios in collaboration with Colossus, LLC. For more episodes of Joys of Compounding, visit joincolossus.com/episodes.  Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Follow us on Twitter: @Buhrman_Rick  | @PaulBuser | @JoinColossus Show Notes (00:00:00) Welcome to The Joys of Compounding (00:04:48) The Rise of Artificial Intelligence (00:07:28) Jan's Vision for Chapters Group (00:12:01) The Importance of Talent and Co-Founders (00:15:48) Centralized Vision and Decentralized Operations (00:18:59) AI's Impact on Business Efficiency (00:27:42) AI in Public Sector and Enterprise (00:43:02) Mission Criticality and Public Sector Focus (00:45:57) Recruiting Talent for Clusters (00:48:11) Cybersecurity and AI Integration (00:50:09) European Market Dynamics (00:55:43) Deal Making vs. Deal Doing (01:14:11) Incentive Systems and Ownership (01:21:05) Future Vision and Talent Development

In this two-part episode, Tim Pope tackles two critical topics for pilots heading into 2026: real estate strategy and savings goals. First, Jade Barnett, USAF Veteran, Chief Operating Officer at Beacon Relocation (sponsor) joins the show to break down current market conditions, what buyers and sellers can expect across various metro areas, and how to navigate PCS or base-related moves. Plus: a new listener-exclusive promo for Pilot's Portfolio listeners - 25% of your agent's commission back when working with Beacon.In the second half, Tim addresses the question: “How much should I be saving right now?” He walks through how to think about savings rates based on where you are in your career, the impact of the NEC, and how time horizon and compounding influence the outcome, outlining considerations to help you better understand your target savings rate.What You'll Learn from This EpisodeReal Estate Market Snapshot: Why prices are softening and how buyer leverage is increasing, even with high rates.Pilot Relocation Planning: Tips for base transfers, PCS timing, and narrowing down options.Buy or Rent?: How to assess your current home and what a CMA (Comparative Market Analysis) can reveal.VA Loan Flexibility: How veterans and spouses can reuse or combine benefits strategically.Q4 Closing Trends: Why more buyers are closing in December and January.Buying with a Strategy: Spreadsheet mindset: compare square footage, districts, and yield.Boots on the Ground: Why talking to local agents early gives you an edge.Beacon's Year-End Promo: Pilot's Portfolio listeners who contact Beacon in Q4 2025 get 25% of agent commission credited toward closing costs - on both the buy and sell sides - Promo Code: BeaconPilot2025 (valid through all 2026 closings)Savings by Career Stage: How targets shift with your time horizon and how NEC contributions help.Compounding in Action: How even modest contributions grow with time.Early Saver Advantage: Why frontloading builds margin for the future.Resources:Visit https://www.beaconrelocation.com/ to learn more. Schedule An AppointmentOur Practice's WebsiteSend Us Your Questions: info@pilotsportfolio.comTimothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot's Portfolio, in its separate and individual capacity. We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information. Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

Most conversations about work-life balance start with the wrong question.We assume the goal is to limit work, to keep it from taking too much of our lives. So we optimize for time, energy, and boundaries, all while treating work as something to manage or escape.In this solo episode, Brandon challenges that premise. He steps back to ask a more fundamental question:What is work actually for?Brandon explores how work can serve as both a platform for growth and a vehicle for contribution. It's one of the few arenas where we can test our capabilities, develop judgment, and apply our gifts in ways that genuinely help others.He shares why fulfillment doesn't come from balance or hours worked, but from alignment — integrating work, family, and personal development into a single system aimed at growth, love, and service.This isn't a prescription. It's an exploration into what it means to live and work well.Why “work-life balance” starts from the wrong assumptionDefining the real problem: what role work plays in a life well livedHow work creates the feedback loops that drive capability and maturityThe connection between growth, love, and contributionHow alignment replaces balance as the goalWhy work is something to steward, not escape“Work isn't something to balance against life. It's one of the primary ways we learn how to live it.”If this episode sparks reflection — or disagreement — Brandon would love to hear from you.Reach out on LinkedIn or at buildingbetterpod.com.Building Better with Brandon Bartneck explores what it means to build. Better companies, better systems, and better lives. Through conversations and reflections, Brandon digs into the principles that drive growth, purpose, and meaningful work.Music credit: Slow Burn - Kevin MacLeod

In this special RxBenefits-sponsored episode of The ASHHRA Podcast, hosts Bo Brabo and Luke Carignan explore the dynamic pharmacy benefits landscape with experts Sarah Hearn and Wes Hill (Director of Compliance & Legal Operations). Amid the busiest legislative season yet—over 1,500 bills—they discuss PBM reforms, ERISA challenges, compounding alternatives for GLP-1 drugs like Ozempic, 340B pricing, and emerging lawsuits. Gain insights on transparency, cost savings, and compliance for healthcare HR pros navigating employee benefits.Key takeaways for healthcare HR leaders:Legislative Surge: 1,500+ state bills target PBMs, carriers, and more; expect increased reporting burdens but better data for informed decisions.ERISA Erosion Risks: States challenge federal uniformity—multi-state plans face conflicting laws; monitor for compliance headaches.Positive Reforms: New mandates empower plan sponsors with PBM data; leverage 340B and coupons to cut costs (e.g., Wegovy from $1,000 to $100/month).Compounding & Innovation: Affordable GLP-1 alternatives via telehealth, but ensure safety and avoid controlled substance pitfalls.Lawsuits to Watch: Oklahoma ERISA win; Arkansas PBM permit ban challenges interstate commerce—outcomes could reshape operations.Action Steps: Demand vendor transparency; align with ERISA; educate teams on benefits to prevent misuse and optimize savings.Essential listening for HR managing rising pharmacy costs and regulations. Spark curiosity—reach out to RxBenefits for guidance!From Our Sponsors...Optimize Pharmacy Benefits with RxBenefitsElevate your employee benefits while managing costs. Did you know hospital employees fill 25% more prescriptions annually than other industries? Ensure cost-effective, high-quality pharmacy plans by leveraging your hospital's own pharmacies. Discover smarter strategies with RxBenefits.Learn More here - https://rxbene.fit/3ZaurZNStreamline HR Compliance with oneBADGEhealthcareSimplify screening, credentialing, and compliance for healthcare HR. oneBADGEhealthcare from ISB Global offers a tailored solution to keep your workforce compliant and efficient. Built for healthcare leaders, it's your all-in-one compliance tool.Get Started here - https://isbglobalservices.com/onebadgeunitedstates/ashhra/ Support the show

In this episode of Boldin Your Money, host Steve Chen talks with Andrea Solarz, a Boldin community member from Arlington, Virginia, about her lifelong journey to financial independence. Andrea shares how early lessons from her parents about saving and budgeting set her on the right path, later reinforced through self-education and following experts like Rob Berger, Christine Benz, and Andy Panko. She discusses using Boldin's financial planning platform to confirm she was ready to retire and shift from saving to spending confidently. Andrea now relies on Social Security and TIAA-CREF annuities for guaranteed income, giving her the freedom to travel and support friends and causes she cares about. A single woman with no children, Andrea highlights the importance of independent financial planning and encourages others, especially women, to start saving early, invest consistently, and plan intentionally for retirement.

Today's teacher is ⁠David Senra⁠. David is an absolute force of nature who is taking the world by storm with his podcast "Founders." In class today, we enjoy access to the full spectrum of learnings from his decade-long study of history's greatest entrepreneurs, artists, athletes, and leaders. The library David built reflects a range of study that is boundless. From Alexander the Great to Catherine Graham to Alexander Graham Bell, from Warren to Jimmy Buffett, and from J. Gould all the way to Jay Z. He helps us gain an understanding of why virtually all of the greats in history devote themselves to the study of those that came before them. Please enjoy today's class with David Senra. For the full show notes, transcript, and links to mentioned content, check out the episode page⁠ ⁠⁠here.⁠ Joys of Compounding is a property of Pine Grove Studios in collaboration with Colossus, LLC. For more episodes of Joys of Compounding, visit⁠ joincolossus.com/episodes⁠.  Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠). Follow us on Twitter: ⁠@Buhrman_Rick⁠  | ⁠@PaulBuser⁠ | ⁠@JoinColossus⁠ Show Notes (00:00:00) Welcome to Joys of Compounding (00:05:23) Understanding the need to devote oneself to something (00:09:10) The profound and helpful insights gained from learning about historical figures (00:17:05) Advice for a 22-year-old about the value of relentless effort (00:27:14) Hard work as a prerequisite for achieving greatness (00:32:37) How time and effort influence the compound interest equation (00:41:34) Factors that hinder the pursuit of greatness (00:47:40) Seeking voices that guide you toward the right path (00:56:02) Curiosity as an innate talent or a cultivated skill (01:00:44) Letting go of interests that obstruct your goals (01:08:45) Striking a balance between work and family for a fulfilling life (01:14:50) Basic steps within our control to become the person we aspire to be (01:19:10) The unique appeal of podcasting as a business (01:24:19) Turning information from biographies into actionable knowledge.

Squeezing out the last horsepower... Connect with us! We love comments! patreon.com/WorldofWarbirds https://www.facebook.com/WorldofWB WOWB Twitter (X): @WorldofWarbird Tanner's Twitter (X): @beejuice21 Threads: world_of_warbirds_podcast Insta: world_of_warbirds_podcast bpearce29@gmail.com

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Compounding is the royal road to riches... or the fast track to ruin. In this episode:Why small financial mistakes snowball into massive life problems if ignoredThe shocking story of a $74,000 grad school loan that ballooned to $300,000How Gen X is entering retirement with the heaviest student loan burden of any generationWhy “wishing it away” or waiting for government forgiveness only makes it worseThe simple rule: deal with debt immediately, work extra if you have to, and stop compounding mistakes Debt doesn't disappear. It compounds. And for millions of Americans, it's turning into a lifelong financial prison.

In this episode of the Unreal Results podcast, I host a powerful conversation with two LTAP™ alumni, Maria Delliveneri and Sarah Leong-Lopes.Maria shares how she integrated LTAP™ into her private practice in Bend, Oregon, where she specializes in shockwave and laser therapy for older active adults. She reveals how LTAP gave her a way to deliver immediate wins to patients who were discouraged after years of failed treatments, transforming skepticism into motivation.Sarah, a mobile PT in California's Central Coast, describes how LTAP™ gave her the clarity to confidently assess anywhere, from living rooms to pickleball courts, and get instant results her patients could see and feel. Her fast-tracked journey through Missing Link, LTAP online, and in-person training showcases just how impactful the system can be.Together, their stories highlight how LTAP™ transcends setting, specialty, and patient population, equipping clinicians with a reliable framework to get better outcomes and stand out in the industry and their communities as a whole “go-to” provider.Join the LTAP™ Level 1 online course!Considering the viscera as a source of musculoskeletal pain and dysfunction is a great way to ensure a more true whole body approach to care, however it can be a bit overwhelming on where to start, which is exactly why I created the Visceral Referral Cheat Sheet. This FREE download will help you to learn the most common visceral referral patterns affecting the musculoskeletal system. Download it at www.unrealresultspod.com=================================================Watch the podcast on YouTube and subscribe!Join the MovementREV email list to stay up to date on the Unreal Results Podcast and MovementREV education. Be social and follow me:Instagram | Facebook | Twitter | YouTube

Many entrepreneurs fail at investing for one simple reason: they say “yes” too much. In this episode, Erik Van Horn and Justin Donald break down the investor mindset, tax plays that compound, and how world-class networks unlock better terms, sponsors, and returns—plus the Guardian Bikes grand-slam story (featuring Mark Cuban).   Timestamps:   00:00 – Why great investors say “no” 95% of the time 01:57 – Solar credits & how fast legislation changes 03:56 – Masterminds that pay for themselves 04:24 – Compounding: tax, education, deals 07:37 – Money-back guarantees from sponsors?! 11:06 – The real ROI of networks (vendors, sponsors, peers) 12:40 – Deal terms you should ask for: the “put option” 24:53 – How to spot outlier deals that look “the same” 46:56 – Family-office asset allocation (60/40 is dead) 50:44 – Build a non-emotional investment machine   Resources Mentioned   Website: lifestyleinvestor.com  – free resources, masterclasses, masterminds, and courses   Podcast: https://lifestyleinvestor.com/podcast/   Book: The Lifestyle Investor (updated & expanded edition) https://access.lifestyleinvestor.com/lifestyleinvestor-book?utm_source=website&utm_medium=organic&utm_campaign=redirect   Free strategy call: lifestyleinvestor.com/consultation     Connect with Erik Van Horn:

In this episode of the Dental Boardroom Podcast, host Wes Read, CPA and financial advisor at Practice CFO, dives into one of the most powerful yet often overlooked tax and wealth-building strategies for dentists: putting your kids on payroll and using that earned income to fund retirement and education accounts.Wes explains how hiring your children in your dental practice (for real, legitimate work) creates not only a tax deduction for the practice but also a springboard for long-term wealth accumulation in the child's name. He emphasizes the Roth IRA as a uniquely flexible and tax-free account, often a better choice than a 529 education account, since the funds can be used for retirement, education, or other qualified purposes.He walks through how to handle payroll logistics, funding contributions annually to simplify administration, and how compounding growth turns even modest contributions into hundreds of thousands or even millions over a lifetime. Along the way, Wes shares investment allocation strategies, including why volatile, high-growth assets fit well in Roth IRAs and how “tax location” across different account types can meaningfully boost after-tax returns.The episode also compares Roth IRAs with 529 plans, outlining when each makes sense, and highlights the importance of aligning education funding with family philosophy whether parents fully cover tuition, split costs, or expect children to pay their own way.This is part one of a two-part series on the Kids on Payroll strategy, with part two focusing more deeply on 529 plans.Key PointsPaying your kids from the practice creates a deductible expense and earned income for them.A Roth IRA for children offers unmatched tax-free growth and flexibility versus 529 accounts.Funding once a year avoids payroll admin headaches while still capturing the benefit.Compounding can turn $7,000 annual contributions into millions over decades.High-growth, volatile assets fit best in Roth accounts due to their tax-free nature.Tax location (placing the right investments in the right accounts) is a major driver of long-term wealth.Family philosophy matters whether parents fully fund education or expect kids to share the cost.Hashtags #DentalBoardroomPodcast #DentalFinance #KidsOnPayroll #RothIRAForKids #DentalPracticeOwners #TaxStrategy #FinancialPlanning #PracticeCFO #WesReadCPA #WealthBuilding

In this episode, we dive into the essentials of beyond-use dating (BUD) in sterile compounding. What exactly is a BUD, and how does it differ from a manufacturer's expiration date? We'll break it down, explore key insights from USP , and highlight what every sterile compounder needs to know.  The information presented during the podcast reflects solely the opinions of the presenter. The information and materials are not, and are not intended as, a comprehensive source of drug information on this topic. The contents of the podcast have not been reviewed by ASHP, and should neither be interpreted as the official policies of ASHP, nor an endorsement of any product(s), nor should they be considered as a substitute for the professional judgment of the pharmacist or physician.

In this episode, we sit down with Ben Carlson of Ritholtz Wealth Management and A Wealth of Common Sense to talk about market valuations, the rise of AI, investor behavior, and what history can teach us about investing today. Ben shares his perspective on why valuations are harder to use than ever, how market structure has shifted, and the lessons he's learned as both a writer and an investor navigating major market cycles.Topics covered in this episode:Why market valuations are harder to use today than in the pastThe impact of buybacks, margins, and technology on long-term comparisonsMarket concentration and the dominance of mega-cap tech stocksPassive investing flows, investor behavior, and government backstopsHow AI compares to past technological innovations and its investment implicationsValue versus growth cycles and why U.S. tech has broken historical normsThe lessons of the NASDAQ since 2000 and defining the long term for investorsPersonal experiences from the 2008 financial crisis and the power of compoundingDiversification, gold's surprising performance, and the case for international investingTimestamps:00:00 Introduction and market valuations06:00 Structural changes and the role of buybacks09:00 Margins, efficiency, and corporate dominance12:00 Market concentration and the rise of mega-cap tech14:00 Passive investing and household stock ownership18:00 Government backstops and market resilience23:00 Valuations as expectations vs. predictions25:00 AI boom and capital allocation29:00 Is this 1996 or 1999? Bubble comparisons32:00 How AI may reshape investing and daily life41:00 Investing in breakthrough technologies43:00 Value versus growth cycles in the U.S. and abroad46:00 Lessons from the NASDAQ and defining long-term investing49:00 Compounding lessons from the 2008 financial crisis53:00 Diversification, gold, and international performance

In this episode, Tracy and I break down why leaders cling to stories instead of facts, how “no one wants to work” is rarely true, and why 89% turnover in 90 days doesn't mean failure—it means you're solving the wrong problem. We dig into the hidden costs of poor onboarding, why perfection is the enemy of progress, and how small experiments compound into lasting change.We also role-play the hard conversations most leaders avoid: asking for resources, addressing pay gaps, and backing process changes. Tracy shows how turning impact into a clear request transforms whining into influence—and why fear of tough conversations keeps organizations stuck in chaos.The throughline: stop venting, start requesting. Systems won't fix themselves, people won't magically stay, and sales numbers don't rise just because you hope they will. Elite leadership is having the clarity and courage to pitch the real solution.TL;DR* Complaints hide requests: Every gripe signals an unmet need—translate it into a clear ask.* Facts over stories: “No one wants to work” → actually 89% quit in 90 days, but 11% stayed. Find the real cause.* Perfection kills momentum: Incremental fixes beat waiting for the flawless solution.* Onboarding matters: Most “lazy hires” are system failures, not people failures.* Courage in conversations: Leaders stall not because they lack answers, but because they fear asking for change.* Compounding gains: Small, repeatable improvements snowball into massive organizational shifts.Memorable lines* “Every complaint is a poorly worded request.”* “If perfect is the standard, walk out the door now—you'll never reach it.”* “The biggest leap isn't good to great, it's chaos to not that bad.”* “Tough isn't stubborn—tough is smart clarity backed by courage.”GuestTracy Austin — Leadership consultant focused on trade industries and frontline retention. She helps organizations cut turnover, build onboarding systems, and transform complaints into action.

Today, Emily Sands, head of data and AI at Stripe, joins The Cognitive Revolution to discuss how the company built a payments foundation model that processes tens of billions of transactions into dense embeddings, exploring the technical architecture behind fraud detection improvements and the modular approach that enables rapid deployment of AI across Stripe's $1.4 trillion payment network. Check out our sponsors: Google Gemini Notebook LM, Linear, AGNTCY, Claude, Oracle Cloud Infrastructure. Shownotes below brought to you by Notion AI Meeting Notes - try one month for free at: https://notion.com/lp/nathan Stripe's Scale: Processes $1.4 trillion annually, serving both small businesses and large enterprises (over half of Fortune 100 companies). "Business in a Box": There's emerging potential for AI to handle end-to-end business creation, including selection of third-party tools, payment providers, and other essential services. AI Company Partnerships: Two-thirds of the Forbes AI 50 companies already run on Stripe, as they focus on helping AI companies monetize effectively and scale globally. Sponsors: Google Gemini Notebook LM: Notebook LM is an AI-first tool that helps you make sense of complex information. Upload your documents and it instantly becomes a personal expert, helping you uncover insights and brainstorm new ideas at https://notebooklm.google.com Linear: Linear is the system for modern product development. Nearly every AI company you've heard of is using Linear to build products. Get 6 months of Linear Business for free at: https://linear.app/tcr AGNTCY: AGNTCY is dropping code, specs, and services.Visit AGNTCY.orgVisit Outshift Internet of Agents Claude: Claude is the AI collaborator that understands your entire workflow and thinks with you to tackle complex problems like coding and business strategy. Sign up and get 50% off your first three months of Claude Pro at https://claude.ai/tcr Oracle Cloud Infrastructure: Oracle Cloud Infrastructure (OCI) is the next-generation cloud that delivers better performance, faster speeds, and significantly lower costs. Try OCI for free with zero commitment at https://oracle.com/cognitive

Send us a textWhat separates those who achieve lasting success from those who constantly chase quick fixes? The answer lies in understanding two fundamentally different approaches to goal achievement: the lottery ticket mindset versus the blueprint mindset.Most of us have fallen prey to the allure of overnight success—wishing to drop 20 pounds instantly, hoping a single social media post will make our business explode, or wanting financial security without the discipline of consistent planning. This lottery ticket thinking feels good momentarily, delivering dopamine hits similar to gambling wins, but ultimately leaves us stuck in cycles of temporary progress followed by regression.The blueprint mindset, by contrast, embraces the unsexy reality of sustainable achievement. It's about strategizing your controllable inputs, establishing meaningful checkpoints, and committing to consistent action regardless of how you feel on any given day. The horizon you choose fundamentally filters your behavior—when you adopt a long-term perspective, you naturally prioritize durability and commitment over quick fixes. As the saying goes, "Rome wasn't built in a day. Neither are you." Your results won't materialize overnight, but through the compounding effect of small, deliberate actions taken consistently over time. The blueprint approach may not always be exciting or fun, but as you strengthen your ability to follow through on commitments to yourself, you build an unshakable foundation for lasting transformation in any area of your life.Ready to shift from wishing for lottery-ticket outcomes to creating your success blueprint? Start by identifying one small, repeatable habit you can commit to for the next 30 days that aligns with your larger goals. Share this episode with a friend who might benefit from this mindset shift—after all, we all level up faster when surrounded by others committed to sustainable growth.Support the showThanks for listening & being part of the Mindset Cafe Community.----------------------------------------------Connect With Devan:https://www.devangonzalez.com/connect----------------------------------------------Follow On Instagram https://www.instagram.com/devan.gonzalez/https://www.instagram.com/mindsetcafepodcastLet me know what topics or questions you want covered so we can help you achieve your goals faster.----------------------------------------------P.S. If you're not already a part of the The Mindset Cafe Community Page I would love to have you be a part of the community, and spread your amazing knowledge. The page is to connect and network with other like minded people networking and furthering each other on our journeys!https://www.facebook.com/groups/themindsetcafe/

In this episode, Casey explores the true power of compounding — how time, trust, and disciplined habits create outcomes far greater than the sum of their parts. He shares how two decades of relationship equity, balance sheet building, and pattern recognition came together in a real estate transaction that turned an empty Class A office into a 12 year cash-flowing asset while unlocking $25M in equity.He reframes compounding beyond money into skills, reputation, and momentum. Drawing on Tony Robbins' framework of recognizing, utilizing, and creating patterns, Casey shows how consistent daily inputs set the stage for exponential results when opportunity arises.For high performers, he offers a practical system: a morning routine of cold plunge, sauna, prayer, breathwork, and 100 daily burpees, followed by three focusing questions — Who am I, What are my biggest opportunities, and What fires me up. The lesson is clear: small, intentional actions compound into extraordinary advantages over time.Learn how to expand compounding beyond finance into habits, reputation, and opportunity design. See the real estate case study step-by-step: buying a $42M building for $15M, securing a long-term tenant, financing in a brutal office market, and returning 100% of investor principal in nine months. Steal Casey's daily system (cold plunge, sauna, prayer/meditation, breathwork, 100 burpees, and three focusing questions) to build compounding advantages in your own life. Apply Tony Robbins' pattern recognition/utilization/creation and Gladwell's 10,000 hours to accelerate mastery. Chapters00:00 | Why compounding changes everything 00:39 | Einstein's “eighth wonder” & mental blind spots 01:37 | Buffett's late-stage wealth and time in market 02:39 | Patterns: recognize, use, then create 03:28 | 10,000 hours = compounding expertise 03:59 | Case study setup: the Vivint building 05:23 | From $42M REIT sale to vacant office 06:12 | Buy at $15M, appraise at $40M with lease 06:50 | One signature, $25M in equity 09:05 | Financing an office deal in a tough market 10:49 | Balance-sheet compounding & closing terms 12:00 | Returning 100% of investor principal in 9 months 13:19 | Tax strategy: cost segregation bonus 14:58 | Daily habits that compound results 16:07 | Priming: gratitude, love, and vivid goals 17:34 | Three questions: Who am I? Opportunities? What fires me up? 20:16 | Viktor Frankl, vision, and a compelling future 22:33 | 100 daily burpees & stacking wins 23:33 | The 1% rule: tiny actions → exponential returns Hosted on Acast. See acast.com/privacy for more information.

Don Cox joins the show this morning to discuss the challenges of small business in this new tariff burdened economy. The realities of small business are day to day. Compounding this in the North Carolina area, are the realities of a Federal Government that still has still not delivered on their promises to help the most in need in a year following Hurricane Helene. In the end it's our FAITH and TRUST in God that guides us in all things. Be obedient.  #BardsFM_Morning #FaithAndObedience #LovingThyNeighbor Bards Nation Health Store: www.bardsnationhealth.comBardsFM Limited Edition 50 Million Downloads Hat Offer: AmbitiousFaith.net/Store Morning Intro Music Provided by Brian Kahanek: www.briankahanek.com MYPillow promo code: BARDS Go to https://www.mypillow.com/bards and use the promo code BARDS or... Call 1-800-975-2939.  Windblown Media 20% Discount with promo code BARDS: windblownmedia.com Founders Bible 20% discount code: BARDS >>> https://thefoundersbible.com/#ordernow Mission Darkness Faraday Bags and RF Shielding. Promo code BARDS: Click here EMPShield protect your vehicles and home. Promo code BARDS: Click here EMF Solutions to keep your home safe: https://www.emfsol.com/?aff=bards Treadlite Broadforks...best garden tool EVER. Promo code BARDS: Click here Natural Skin Products by No Knot Today: Click here Product Store, Ambitious Faith: Click here Health, Nutrition and Detox Consulting: HealthIsLocal.com Destination Real Food Book on Amazon: click here Images In Bloom Soaps and Things: ImagesInBloom.com Angeline Design: click here DONATE: Click here Mailing Address: Xpedition Cafe, LLC Attn. Scott Kesterson 591 E Central Ave, #740 Sutherlin, OR  97479

This episode of Essential unpacks FDA confusion, California's latest compounding curveball, and pharma-fueled myths about GLP-1s. We spotlight APC's advocacy wins on Capitol Hill and why pharmacy tours pack political punch. Plus, the FDA's eyebrow-raising move to reclassify natural thyroid products — and why it matters for patients everywhere. News item about California reg: https://a4pc.org/news/this-one-little-word-could-trip-you-up Compounding primer: https://join.a4pc.org/hubfs/PDFs/Traditional-Pharmacy-Compounding-101.pdf?hsLang=en APC's guide to hosting a legislator: https://join.a4pc.org/hubfs/PDFs/2021-04_APC-Guidance-Hosting-Pharmacy-Visits.pdf APC in the News: https://a4pc.org/inthenews DTE grassroots campaign: https://compounding.com/thyroid

In the 100th episode of Boldin Your Money, host Steve Chen chats with community member Mark Eakle about his real-life money journey. Mark shares how he went from relying on pensions to taking charge with 401(k)s, paying off his house, and helping his daughters graduate debt-free. He talks about the lessons he learned along the way—like starting early, sticking with it, and letting compounding work its magic. Mark also explains how being part of a small group of Boldin users keeps him motivated, accountable, and confident about his financial future

Chad Hyams and Bob Stewart explore the power of compounding beyond finances, diving into its effects on various aspects of life. They discuss negative compounding forces like excuses, grudges, and stress, highlighting how these elements can erode well-being. Transitioning to the positive, the hosts explore how curiosity, microlearning, and gratitude can foster growth and confidence over time. This conversation underscores the importance of intentionality in harnessing or mitigating compounding forces, while also emphasizing the role of parents in shaping compounding for children. Discover actionable insights into leveraging compounding for personal and professional success. ---------- Connect with the hosts: •    Ben Kinney: https://www.BenKinney.com/ •    Bob Stewart: https://www.linkedin.com/in/activebob •    Chad Hyams: https://ChadHyams.com/ •    Book one of our co-hosts for your next event: https://WinMakeGive.com/speakers/ More ways to connect: •    Join our Facebook group at www.facebook.com/groups/winmakegive •     Sign up for our weekly newsletter: https://WinMakeGive.com/sign-up •     Explore the Win Make Give Podcast Network: https://WinMakeGive.com/ Part of the Win Make Give Podcast Network