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Every episode in the past 3 months has led to this. VP shows you how he is positioning himself for the next 5 years, and why it is crucial you start looking at investing the same way. Dollar Value Since 1900 - https://www.in2013dollars.com/us/inflation/1900?amount=1 Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits.
Bob is the created and owner of Trade Genius Academy. Bob also does a podcast on YouTube which is called Trade Genius. Bob begins the conversation talking about how Germany appears to be in a recession, with its economy contracting by 0.3% in the second quarter amid slowed exports due to U.S. tariffs and rising unemployment above 3 million, while forecasts predict stagnation or zero growth for the year, marking a prolonged period of economic inactivity. This downturn could potentially spread to other EU nations, as Germany's role as an economic anchor contributes to deteriorating Eurozone sentiment and slower projected growth of around 1.1% for the EU and 0.9% for the euro area, though analysts suggest the bloc may avoid a full recession despite trade uncertainties and fiscal tightening. Meanwhile, Bitcoin has fallen about 1.9% in the past 24 hours to around $111,119, driven by a massive whale dump of 24,000 BTC, a $13.8 billion options expiry, Binance Futures going offline, and broader bearish technical indicators following its peak at $124,436 earlier in the month. Gold prices are also slightly down today, with spot prices at $3,410 per ounce (a 0.15% dip) amid a firmer dollar and anticipation of U.S. PCE inflation data, though the metal is on track for a monthly gain supported by expectations of Federal Reserve actions; potential longer-term declines could stem from cooling inflation, reduced geopolitical tensions, and lower investor demand. Market expectations are high for the Fed to cut interest rates in September, with odds at over 90% for a 25-basis-point reduction as signaled by Chair Powell and Governor Waller, amid sputtering job growth and a focus on labor market risks. If the Fed proceeds with the cut, it could stimulate economic growth by lowering borrowing costs, encouraging business investment, hiring, and consumer spending, while easing pressures on mortgages and auto loans, though excessive cuts risk reigniting inflation and eroding purchasing power. Conversely, if the Fed holds off, it might help contain inflation but could slow the economy further by maintaining high financing costs, potentially leading to reduced business expansion, higher unemployment, and subdued growth, with risks of market turmoil if perceived as too hawkish.
In this fascinating episode, Bryan welcomes back longtime friend and nuclear industry veteran Bill Nowicki to discuss a recently released document from DHS and NUSTL that provides new recommendations for HVAC operations during nuclear events. Bill brings over 40 years of nuclear experience, starting as a 19-year-old Navy nuclear operator (after being deemed "not ready for the grill" at Friendly's restaurant) and progressing through various roles, including lead engineer on critical control systems at nuclear facilities. Bill shares his journey from nuclear plant evaluator to leadership trainer, now working internationally to help nuclear professionals develop their skills. His current podcast, "The Nuclear Leader," continues this mission alongside his passion project, "Navigating Mental Illness: Parent Stories." Bill provides an accessible explanation of nuclear reactor operations, using the analogy that "contamination is the poop and radiation is the smell" to help listeners understand the difference between radioactive material and radiation itself. He walks through the three-barrier system in nuclear plants: fuel cladding, reactor coolant system, and containment structures. The discussion covers how fission works, the controlled chain reaction process, and what happens when these systems fail, using examples from Three Mile Island, Chernobyl, and Fukushima to illustrate different failure modes. The episode explores the current nuclear renaissance driven by AI data centers and industrial companies seeking clean baseload power. Bill explains how private industry is now directly funding nuclear projects, bypassing traditional utility structures, with companies like Microsoft and ExxonMobil investing billions in new nuclear facilities. This represents a dramatic shift from the post-Three Mile Island era when nuclear construction essentially stopped in the United States. The core discussion focuses on updated emergency guidance that reverses previous recommendations. Instead of the old "shelter in place and shut off your AC" advice, the new guidance suggests keeping HVAC systems running while eliminating outdoor air intake. This approach recognizes that modern, well-sealed buildings with high-efficiency filtration can provide better protection by maintaining positive pressure and filtering recirculated air rather than allowing uncontrolled infiltration. Bill and Bryan discuss how building characteristics dramatically affect the best response strategy. High-performance homes with tight construction, MERV 13+ filters, and controlled ventilation systems offer significant advantages, requiring only the ability to shut off outdoor air intake. Conversely, older, leaky buildings may still benefit from complete system shutdown to prevent contamination circulation. The conversation highlights how lessons learned during COVID-19 about airborne contamination and filtration directly apply to nuclear emergency preparedness, emphasizing the importance of case-by-case analysis rather than one-size-fits-all approaches. Topics Covered Nuclear industry career paths - From Navy nuclear training to civilian plant operations and leadership roles Basic nuclear physics - Fission process, chain reactions, and the difference between contamination and radiation Nuclear plant safety systems - Three-barrier containment approach and historical accident analysis Current nuclear renaissance - AI-driven power demand and private industry investment in new reactors Emergency preparedness evolution - How COVID-19 research influenced nuclear emergency HVAC guidance Building performance factors - Impact of construction quality, filtration, and ventilation design on safety HVAC system modifications - Importance of outdoor air shutoff capability and high-efficiency filtration Case-by-case response strategies - Why building characteristics determine optimal emergency procedures Podcasting journey - Early days of niche podcasting and building communities around specialized topics Leadership development - International nuclear industry training and professional development Personal stories - Navy submarine experiences and nuclear plant operational challenges Here is the full document from the DHS: https://www.nrc.gov/docs/ML2425/ML24250A059.pdf Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 7th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android
JP Morgan has responded to the U.S. Virgin Islands' (USVI) motion to strike several of its affirmative defenses in the ongoing lawsuit related to Jeffrey Epstein's sex trafficking operations. The bank argues that these defenses are crucial to demonstrate the alleged complicity of the USVI government in enabling Epstein's activities.JP Morgan contends that high-ranking USVI officials, including former First Lady Cecile de Jongh, played a role in facilitating Epstein's operations by managing his local companies and helping spread his influence throughout the government. The bank alleges that Epstein's ties with local political figures allowed him to receive favorable treatment, such as tax benefits and reduced oversight, despite his known criminal background/The USVI's motion to strike these defenses is viewed by JP Morgan as an attempt to avoid exposing the government's own culpability. Conversely, the USVI argues that the bank's defenses are baseless and are intended to deflect from its failure to act on clear signs of Epstein's criminal behavior.(commercial at 7:20)to contact me:bobbycapucci@protonmail.comsource:gov.uscourts.nysd.610915.94.5.pdf (courtlistener.com)
JP Morgan has responded to the U.S. Virgin Islands' (USVI) motion to strike several of its affirmative defenses in the ongoing lawsuit related to Jeffrey Epstein's sex trafficking operations. The bank argues that these defenses are crucial to demonstrate the alleged complicity of the USVI government in enabling Epstein's activities.JP Morgan contends that high-ranking USVI officials, including former First Lady Cecile de Jongh, played a role in facilitating Epstein's operations by managing his local companies and helping spread his influence throughout the government. The bank alleges that Epstein's ties with local political figures allowed him to receive favorable treatment, such as tax benefits and reduced oversight, despite his known criminal background/The USVI's motion to strike these defenses is viewed by JP Morgan as an attempt to avoid exposing the government's own culpability. Conversely, the USVI argues that the bank's defenses are baseless and are intended to deflect from its failure to act on clear signs of Epstein's criminal behavior.(commercial at 7:20)to contact me:bobbycapucci@protonmail.comsource:gov.uscourts.nysd.610915.94.5.pdf (courtlistener.com)
JP Morgan has responded to the U.S. Virgin Islands' (USVI) motion to strike several of its affirmative defenses in the ongoing lawsuit related to Jeffrey Epstein's sex trafficking operations. The bank argues that these defenses are crucial to demonstrate the alleged complicity of the USVI government in enabling Epstein's activities.JP Morgan contends that high-ranking USVI officials, including former First Lady Cecile de Jongh, played a role in facilitating Epstein's operations by managing his local companies and helping spread his influence throughout the government. The bank alleges that Epstein's ties with local political figures allowed him to receive favorable treatment, such as tax benefits and reduced oversight, despite his known criminal background/The USVI's motion to strike these defenses is viewed by JP Morgan as an attempt to avoid exposing the government's own culpability. Conversely, the USVI argues that the bank's defenses are baseless and are intended to deflect from its failure to act on clear signs of Epstein's criminal behavior.(commercial at 7:20)to contact me:bobbycapucci@protonmail.comsource:gov.uscourts.nysd.610915.94.5.pdf (courtlistener.com)Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
JP Morgan has responded to the U.S. Virgin Islands' (USVI) motion to strike several of its affirmative defenses in the ongoing lawsuit related to Jeffrey Epstein's sex trafficking operations. The bank argues that these defenses are crucial to demonstrate the alleged complicity of the USVI government in enabling Epstein's activities.JP Morgan contends that high-ranking USVI officials, including former First Lady Cecile de Jongh, played a role in facilitating Epstein's operations by managing his local companies and helping spread his influence throughout the government. The bank alleges that Epstein's ties with local political figures allowed him to receive favorable treatment, such as tax benefits and reduced oversight, despite his known criminal background/The USVI's motion to strike these defenses is viewed by JP Morgan as an attempt to avoid exposing the government's own culpability. Conversely, the USVI argues that the bank's defenses are baseless and are intended to deflect from its failure to act on clear signs of Epstein's criminal behavior.to contact me:bobbycapucci@protonmail.comsource:gov.uscourts.nysd.610915.94.5.pdf (courtlistener.com)Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.
Aiden Deacon from the University of Minnesota-Twin Cities, Minneapolis, discusses a research paper he co-authored that was published in Volume 16 of Oncotarget, titled “Dissecting the functional differences and clinical features of R-spondin family members in metastatic prostate cancer.” DOI - https://doi.org/10.18632/oncotarget.28758 Correspondence to - Justin Hwang - jhwang@umn.edu Video interview - https://www.youtube.com/watch?v=OXKhWWU1gnY Abstract This study investigates the R-spondin family of genes (RSPO1/2/3/4), a group of secreted proteins that act as Wnt regulators, and their subsequent role in advanced prostate cancer (PC). When evaluating transcriptomic data from primary and metastatic PC patients, we found that alterations in RSPO2 were more prevalent than in other RSPO family members or Wnt-regulating genes APC and CTNNB1. Further, we found that RSPO2 alterations in PCs were significantly associated with worse disease-free survival. Through our in silico modeling, RSPO2 exhibited strong positive associations with genes regulating epithelial-mesenchymal transition (EMT) and double-negative prostate cancer (DNPC), but had negative correlations with androgen receptor (AR) and AR-associated genes. Furthermore, 3D modeling of RSPO2 revealed structural differences between itself and other RSPOs. In cell lines, RSPO2 overexpression caused up-regulation of EMT pathways, including EMT-regulatory transcription factors ZEB1, ZEB2, and TWIST1. Conversely, this was not observed when CTNNB1 was overexpressed in the same models. These findings highlight that, in PC, RSPO2 functions as a unique member of the R-spondin family by promoting genes and signaling pathways associated with aggressive PC, and RSPO2 amplifications are associated with poor outcomes in PC patients. Sign up for free Altmetric alerts about this article - https://oncotarget.altmetric.com/details/email_updates?id=10.18632%2Foncotarget.28758 Subscribe for free publication alerts from Oncotarget - https://www.oncotarget.com/subscribe/ Keywords - cancer, RSPO2, prostate cancer, Wnt signaling, genomics, therapeutics About Oncotarget Oncotarget (a primarily oncology-focused, peer-reviewed, open access journal) aims to maximize research impact through insightful peer-review; eliminate borders between specialties by linking different fields of oncology, cancer research and biomedical sciences; and foster application of basic and clinical science. Oncotarget is indexed and archived by PubMed/Medline, PubMed Central, Scopus, EMBASE, META (Chan Zuckerberg Initiative) (2018-2022), and Dimensions (Digital Science). To learn more about Oncotarget, please visit https://www.oncotarget.com and connect with us: Facebook - https://www.facebook.com/Oncotarget/ X - https://twitter.com/oncotarget Instagram - https://www.instagram.com/oncotargetjrnl/ YouTube - https://www.youtube.com/@OncotargetJournal LinkedIn - https://www.linkedin.com/company/oncotarget Pinterest - https://www.pinterest.com/oncotarget/ Reddit - https://www.reddit.com/user/Oncotarget/ Spotify - https://open.spotify.com/show/0gRwT6BqYWJzxzmjPJwtVh MEDIA@IMPACTJOURNALS.COM
Erica shares her business and personal strategies, emphasizing what she is "doubling down on" and "letting go of". She focuses on enhancing customer experience through personalized gestures and refined social media, and improving route efficiency for her pooper scooper business. Krupin also details her commitment to recurring revenue, paid advertising, and fostering a strong team culture by investing in her staff's development. Conversely, she is eliminating low-paying jobs, reducing her presence on most social media platforms, practicing mindful spending, and outsourcing personal tasks to optimize time and energy. Comments and Questions are welcome. Send to: thescooppodcast22@gmail.com
Welcome back to our weekend Cabral HouseCall shows! This is where we answer our community's wellness, weight loss, and anti-aging questions to help people get back on track! Check out today's questions: Sarah: Hello! Back with another question.. Im 28 female from scotland, and have had hair growing in places I shouldn't since age 24. The hair under my chin and a bit on my neck/cheeks is what gets me down the most. My doctor has checked me for PCOS through bloodwork and said everything was fine. I've recently did your hormone test. Testosterone was great, estrogen good, progesterone was low and cortisol was low. I've been on progesterone support, adrenal energy aswell as DNS, greens, omegas etc for some time now. I also take pumpkin seed oil and saw palmetto. The hair just keeps growing. What else can I do? I've tried countless rounds of laser but it just returns. Is hair in this area always related to PCOS/hormones? Can it just be genetics? Thank you!! Larissa: Hello! I was exposed to black mold for 6 yrs about 5yrs ago. Although my most severe symptoms went away, some longer. I've been working with a naturopath whom recommended a protocol with cholestyramine, charcoal, and minerals for about 1M. However, I've read Andrew Campbell mold protocol and he recommends itraconazole for 7 days. I did my urine mycotoxin testing FYI which still shows a high load of most all strains. Which do you recommend? I want to get rid of all the mold with the least side effects and avoiding constipation (I already have to take daily magnesium citrate to have daily bowel movements). Thank you!!! Sabrina: Hi doctor Cabral. I'm hoping you can help me with something that is super frustrating. My stomach craves large meals for satisfaction, yet they cause bloating. Conversely, small-volume meals, despite being calorie-dense, just don't register as filling, leaving me wanting more. Is there a way to solve this, meaning training your stomach to be satisfied with smaller meals? Thanks so much for your help! Lisa: I am a 48yr old female and have elevated kidney function. 1.1. have been told not to take creatine. I have heard multiple times that to much protein can have an effect on kidney function also. I love to workout and fir my age high protein and creatine is suppose to be good for someone who works out. Will these things truly hinder or further hinder my kidney function. Cassi: Just completed your book, The Rain Barrel Effect, and was wondering if you have worked with anyone with EOE (Eosinophilic esophagitis) to successfully get them off of PPIs? I've also dealt with histamine intolerance, that I've actually been able to reverse through a lot of what you teach in the book, and I have also gotten down from 20mg of omeprazole twice a day to 20mg once every other day but if I go longer than that I find myself choking on food again no matter how little I eat at a time or how well I chew it. Thank you for tuning into today's Cabral HouseCall and be sure to check back tomorrow where we answer more of our community's questions! - - - Show Notes and Resources: StephenCabral.com/3487 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!
What happens when one asset moons, and then ends up becoming waaaayyyy too much of your overall portfolio? This can, and does happen all the time in ContrarianLand because of the asymmetric assets we like to invest in. But this can be a really uncomfortable spot to be in, and if you're ever fortunate enough to have this problem, we have the solution(s) for you, here in Episode 218. Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits. We are not taking requests for episode topics at this time. Thank you for understanding.
Todays episode delves into understanding and leveraging second and third-order consequences – the ripple effects that occur after an initial action – and introduces forcing functions, which are an inverted way of thinking about these consequences, designed to drive desired outcomes by first determining "what must be true" for them to occur. The episode also connects these concepts to the importance of effective goal setting, explaining how well-defined goals provide clarity, focus, and a strategic framework for decision-making and career advancement.Grasp Second and Third-Order Consequences: Learn to identify the downstream effects of initial actions. For instance, setting a target for test coverage (first action) might lead to people adding tests that don't genuinely test anything but merely inflate the metric (second-order consequence), potentially resulting in disillusionment with testing or continued incidents despite high coverage (third-order consequence). Conversely, giving someone ownership or autonomy (first action) can lead to them proactively filling out details and owning ambiguity (second-order consequence), which may result in higher quality work, freeing up managerial time, and setting the individual up for promotion (third-order consequence).Utilise Forcing Functions for Desired Outcomes: Understand forcing functions as an inverted approach to consequences, where you begin with a desired outcome and then identify the upstream requirements or desirable effects that must be true for that outcome to be achieved. This method helps to focus efforts on one to three key areas for improvement, rather than trying to enhance everything simultaneously.Implement Effective Forcing Functions: Discover how various elements can act as deliberate or accidental forcing functions:A prioritised backlog acts as a forcing function for essential discussions, decision-making, gathering sufficient information for prioritisation, and ensuring knowledgeable individuals are involved in the process.Presentations, demos, or all-hands meetings serve as powerful social forcing functions, as the desire to avoid the discomfort of not having progress to show incentivises action and preparation.Sprint planning is a forcing function that necessitates a clear understanding of priorities and team capacity for the upcoming sprint.Quality metrics or Service Level Agreements (SLAs), such as a P95 response time, act as forcing functions by requiring other system components to be correctly aligned to meet the target.The choice of technology or tech stack can be a significant forcing function for hiring, unintentionally selecting for specific types of engineers (e.g., Java for enterprise experience, TypeScript for full-stack, functional languages for functional programming experience).Workplace restrictions, like requiring night availability, can be accidental forcing functions, potentially selecting against individuals with community involvement, family commitments, or social lives.Successful hiring and recruiting is a strong forcing function for many positive aspects of a company, indicating technical success, high retention, competitive salaries, and a high standard for talent across the organisation.Harness Goals for Clarity and Focus: Recognise that a well-positioned goal is paramount for finding clarity, perspective, and purpose in your career. Goals provide a framework to make decisions about what to do, ensuring your time is spent on what matters to you rather than just on tasks handed to you, thereby enabling personal career growth.Set Relevant and Directionally Correct Goals: Emphasise the relevance of your goals; even if they are specific, measurable, actionable, and time-bound (SMART), they are ineffective if they are not relevant to your desired career path. Aim for goals that are directionally correct, moving you generally towards a long-term outcome (e.g., leading a project if your long-term aspiration is to lead teams), rather than being paralysed by the pursuit of a "perfect" goal.Leverage Manager Feedback for Goal Setting: If you are unsure how to set goals, consider what your boss would look for in your performance in six months. Proactively engage your manager by initiating conversations about career growth and goal setting, framing it as an opportunity for mutual success and seeking their input on what constitutes a "home run" for your role.Set Sustainable and Challenging Goals: Avoid goals that are too abstract (lacking clear actions) or that significantly over- or underestimate your capacity, as both can lead to disengagement. Instead, strive for challenging but sustainable goals that require focus and making difficult choices (e.g., saying "no" to other things) but do not lead to burnout.Be Mindful of Your Choices: Deliberately choose your forcing functions and become aware of those you are accidentally opting into. Consistently consider the downstream effects (second and third-order consequences) of your actions today, and set goals that imply a desired future state rather than dictating the exact methods. Consistency in this mindful approach to goal setting and understanding consequences is key to long-term career success.
Autism is in full effect this episode as VP and Robb go off-script a lot as we drill down to how best to detach and divorce yourself from your results, how to eliminate your silly expectations, and just do the damn thing. Your bottom line will thank you. #TradingPsychology Maverick Links Click Here To Learn More about Maverick Forex Trading: URL: https://maverickfx.com/application-3-a/?utm_source=vpyt Click Here To Learn More about Maverick Currencies: URL: https://maverickcurrencies.com/application-3-a/?utm_source=VPPodPsych Click Here To Learn More about Maverick Trading's Stock/Options Division: URL: https://mavericktrading.com/application-3-a/?utm_source=VPPodPsych Maverick Trading YouTube Channel: https://www.youtube.com/@mavericktrading Robb's Flat Earth Trading Society https://www.youtube.com/@FlatEarthTradingSociety No Nonsense Forex Links VP's Trading Psychology Book https://nononsenseforex.com/forex-psychology-book/ Recommended Crypto Trading Platform (Bonus and Contest Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X The hosts of this podcast are not licensed financial advisors, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading anything involves risk. Losses can exceed deposits.
Every educator sends signals to students that, consciously or unconsciously, determine who experiences belonging—and who doesn't. When students perceive they do not belong, they are at risk for a host of adverse consequences. Conversely, when students feel a sense of belonging, it can lead to an abundance of positive personal, social, and academic outcomes. How can instructional coaches and school leaders support teachers in identifying unconscious actions that interfere with our intended message of valuing each learner? How can we intentionally plan actions that nurture a community that embraces differences? In Powerful Student Care: Honoring Each Student as Distinctive and Irreplaceable, authors Kathleen Budge and Grant Chandler provide insights and practical support. Read the article, "The Signals We Send About Who Belongs" here. Connect with Kathleen: parrettassociates@gmail.com Connect with Grant here. Subscribe to the Steve Barkley Ponders Out Loud podcast on iTunes or visit BarkleyPD.com to find new episodes!
Owner Financing & Note Investing Podcast with Dawn Rickabaugh
In this comprehensive discussion, Dawn delves into the intricacies, opportunities, and pitfalls of creative real estate financing—particularly seller financing, seller-held notes, and contract-for-deed arrangements. The conversation is framed around real-life case studies involving high-equity sellers, ethical considerations, and practical challenges in managing seller-financed deals. Dawn shares her personal experiences, including a detailed story about helping her cleaning lady and others caught in problematic seller-financed home purchases with incomplete or unrecorded paperwork. The narrative exposes the risks of unscrupulous sellers who exploit buyers through poorly structured deals and highlights the importance of legal, ethical, and transparent financing arrangements. Dawn also discusses market dynamics, the risks of lease options and subject-to deals, and the need for education and certification in this niche to protect all parties involved. The session ends with reflections on bridging the gap between older equity-rich sellers and younger buyers, emphasizing the win-win potential of seller financing when done correctly. ### Highlights -
Join Brian and Barnaby Golden as they dig into a surprisingly common roadblock in Agile teams, the underpowered product owner, and how it quietly derails decision-making, flow, and team momentum. Overview In this episode of the Agile Mentors Podcast, Brian welcomes Agile coach and community contributor Barnaby Golden to explore the risks and ripple effects of placing a product owner in the role without the authority to own it. They discuss the stark difference between empowered and underpowered product owners, why availability without authority is a setup for frustration, and how misalignment at the leadership level creates more theater than agility. From trust gaps to political decision-making, Barnaby and Brian unpack the hidden reasons teams get stuck and what it takes to create real, empowered ownership that delivers actual value. References and resources mentioned in the show: Barnaby Golden #104: Mastering Product Ownership with Mike Cohn #3: What Makes a Great Product Owner? With Lance Dacy How to Engage and Help Busy Product Owners by Mike Cohn What Happens When For Product Owners Subscribe to the Agile Mentors Podcast Want to get involved? This show is designed for you, and we’d love your input. Enjoyed what you heard today? Please leave a rating and a review. It really helps, and we read every single one. Got an Agile subject you’d like us to discuss or a question that needs an answer? Share your thoughts with us at podcast@mountaingoatsoftware.com This episode’s presenters are: Brian Milner is SVP of coaching and training at Mountain Goat Software. He's passionate about making a difference in people's day-to-day work, influenced by his own experience of transitioning to Scrum and seeing improvements in work/life balance, honesty, respect, and the quality of work. Barnaby Golden is an experienced Scrum Master and Agile Coach with a knack for helping teams truly live Agile, not just adopt it. Lately, he’s been diving into the real-world use of AI—helping organizations, including nonprofits, turn tech hype into practical, high-impact tools with smart governance Auto-generated Transcript: Brian Milner (00:00) Welcome in Agile Mentors, we're back. This is another episode of the Agile Mentors Podcast. I'm here with you as always, Brian Milner, and we have a very special guest with us today. We have Mr. Barnaby Golden with us. Barnaby, welcome in. Barnaby Golden (00:14) Thank you, it's good to be here. Brian Milner (00:16) Very excited to have Barnaby here. Barnaby is an Agile coach, also a Scrum Master. He is known to us because he is part of our Agile Mentors community. And he is an active member there and has weighed in on several issues and helped people and mentored people through things there. So we wanted to share some of the wisdom of the crowd that we have there at Agile Mentors. Just a few select people that have really contributed. and giving us some really good advice there with the podcast audience as well. So you guys can kind of hear what kind of stuff is there on the Agile Mentors discussion forums. But we were talking about topics here with Barnaby about what we were going to talk about and he proposed one that I really found intriguing. It was focusing around the underpowered product owner, the underpowered PO. And I think that's probably a good place for us to start then, Barnaby. Why don't you kind of just explain to everyone what that idea is, what you mean by the underpowered PO. Barnaby Golden (01:12) Sure, of course. So in fact, what I'll do is I'll explain it by giving you the opposite, which is what does a good, effective, powerful product owner look like? And I was working for an organization a few years back, it was a publishing organization. And we had the head of the editorial team was the product owner for a particular Scrum team. Brian Milner (01:16) Okay. Barnaby Golden (01:38) And this head of editorial had a lot of power and influence in the organization. They were pretty much a decision maker in terms of the products that the team was building. And I remember a particular conversation where the team was talking to this product owner and the team said, look, we know you want to get this, this release out this week, but we've got some technical debt. really need to fix it. And I remember the, this guy saying, look, okay. I'm going to let me think about this for a second. Okay. I can make the decision on this, which is, yep, you can have your time. I'll communicate with others within the organization. The release will be delayed. And that was such a powerful moment because in that second, the decision was made. The product owner trusted the team, the team completely trusted the product owner. And it felt slick and efficient and worked really well. Conversely, I've worked in organizations where in some way, surprisingly enough, product owner is seen as quite a junior role. So I've seen the situation where you have a whole hierarchy of product people and the most junior role in the product organization is the product owner. And what happens in that scenario is the product owner is powerless to make a lot of decisions. So they have to push them up the tree. And in that situation, the conversation between the team and the product owner is the team says, yeah, we need to do this thing. And the product owner says, okay, give me some time. Might be a day and I'll get back to you. Hopefully I can get in contact with other people within my hierarchy and the flows broken. What's the team going to do now? They're going to maybe find something alternative to work on. It's very frustrating. And you sometimes get the situation as well where the the underpowered product owner will sympathize with something the team is saying, but will not be able to make a change because they haven't got the authority to do the change. So they'll say, yeah, I agree with you. I know what you're saying. This is a really bad idea what's being suggested, but I have no choice. We have a roadmap. We've got to meet the roadmap. Brian Milner (03:45) Yeah, that's a clear picture. I agree with you that those are two stark contrasts. And what I like about the explanation is you kind of highlight the effectiveness of one versus the ineffectiveness of the other, right? It's just, it's such a dramatic difference when that person is able to make the decisions on the spot. go forward, and the team is just free to move as quickly as possible. Whereas the other one, it's just holdups. It's just delays and obstacles, roadblocks in the team's way. So yeah, a really clear picture there. Just as you were talking about this, I was thinking to myself, well, maybe one of the worthy paths for us to go down here and talking about this. is trying to understand a little bit about the why behind it. ⁓ Because I think there's, just in thinking about it, I think there's maybe several causes for this or several things that might lead to having an underpowered PO. What's been your experience? What kind of things have you seen that might contribute to an underpowered PO? Barnaby Golden (04:36) Hmm. I think the main reason, the biggest driving factor behind it is the feeling that the people with the authority to make decisions do not have time to spend with the team. So you've got your head of product or the real decision makers in the organization. They are saying, I can't spend two, three hours a week with a team. I can't go to a planning meeting. got, you know, I'm a busy person. I've got things on my schedule. So they see the product owner role as a stand-in for themselves with the team. And this stand-in has lots of time to spend with the team, which is good. And that's a powerful thing. But at the same time, if they've not got the authority to make decisions, then maybe that time is not effectively spent. Brian Milner (05:41) Yeah, it's almost as if they just want a warm body there. It's a placeholder. You're here as a placeholder for me because I can't be two places at once. I've heard a couple of things that people will frequently point to that a product owner needs to be successful. And there's sort of this dichotomy of these two things that are part of that. And that's the kind of empowered Barnaby Golden (05:44) Yeah. Brian Milner (06:05) product owner that is empowered to make decisions versus having the availability to actually be present with the team. it's always, it seems like that's a fracture point that sometimes causes this because you have the leaders who, hey, I need to make all the decisions, but I don't have the availability. and the people that they know have the availability, they don't want to empower to make the decisions. So they're kind of setting up their product owners to fail. Barnaby Golden (06:35) I think it's a classic example as well with when you want to be an agile organization, you can't just have pockets of agility. You can't just have a scrum team and say, well, that's where we'll be agile in this scrum team. The entire organization as a whole has to think in the agile mindset. And if you want to be able to adapt to change, then one of the ways you're to have to do that is you're going to have to have the decision makers close to the teams that are implementing the decisions. and so you can't have your, your cake and not eat it. If you see what I mean in terms of, you, you can't pick and choose the aspects of agile that you want. need to, as an organization, adopt the whole thing. Brian Milner (07:17) Yeah, that's always one thing I try to tell people as well is when you're selecting a product owner, when you're trying to decide who's the right person to be the product owner for this team, those are two of the things you have to really consider strongly is does this person have the availability to be here with the team and is this person empowered to make decisions? I've run up against leaders before that don't want to empower someone and Kind of the counterpoint I give them a lot of times is, I don't know, I think maybe in their head they're thinking this is giving someone free reign to make really long-term decisions on their own when that's not really the case. The product owner can be fully empowered, but the decisions that they're making on the spot are just a couple of week decisions. It's not a six month decision. there's gonna be sprint reviews, we're gonna display stuff and get feedback and we can course correct and all those things. So once you can kind of put it in that frame that it's really just a couple of weeks that you're empowering them to make decisions, I've had more success framing it that way. I don't know, what about you? Barnaby Golden (08:23) Yeah, I think that makes a huge amount of sense. The fear is loss of control. So the fear is that by empowering the product owner, they might do something which they would regard as a mistake. And they will often see themselves, because they're in a senior position, they see themselves as being responsible. So if they're responsible and the product owner makes a decision they don't like, perhaps that will reflect poorly on them. So there's a trust issue here. A good product owner is going to be consulting their stakeholders anyway. And I would think the, the senior product leadership team is part of their stakeholders. So you would hope that they were keeping them very, very up to date on their thinking that there would be no great surprises that they wouldn't do something, you know, suddenly switch from one product to a completely different product. They would always be keeping their stakeholders in the loop. And in which case. they would be building up the trust of the people around them and then you would hope that over time that they would become more empowered. Brian Milner (09:23) Yeah. Yeah. I just, I kind of wonder if that's maybe part of it, that the, they have a misunderstanding of kind of how the role works. You know, cause maybe they, maybe they see it as completely independent. This person is just making decisions on their own without consulting anyone. Maybe that's because that's how they do their job. Barnaby Golden (09:35) Yeah. Yeah. Brian Milner (09:49) So they may look at that as, know, this is how I would do it, so why wouldn't this person do it the same way? Well, that's not how it's designed. It's designed to be done in concert. Barnaby Golden (09:59) Yeah, absolutely. Yeah, it's a misunderstanding of the product owner role. And it's also a misunderstanding of why the product owner role came about, which is the reason it was there was to solve the problem of too many chefs, of too many people trying to make decisions. So there's huge value in the role. But the value in the role only comes about if that person can actually take ownership of the product. I mean, the clue's in the name, isn't it? They are the owner of the product, so therefore they can make the critical on the ground decisions, but all the time talking to their stakeholders. So, I mean, as with many things in Scrum, it's about a misunderstanding, a general misunderstanding of what the roles are within the Scrum team. Brian Milner (10:41) Yeah, I think they also have the fear of the wrong decision that somehow that's going to lock them in or this person's not equipped to make the right decisions that they are the knowledge expert for the product. so they should be the one making all the decisions. They have the authority. I have had a couple of cases where I've had to have difficult conversations with leaders to say, well, let's examine the decision. because you're looking at them as making the wrong decision, but is it the wrong decision? You're disconnected from the day-to-day of the team. This person is fully connected to the day-to-day, and they're more likely to have more current knowledge. And it's not always the case that just because you assume it's the wrong decision that it actually is, they may actually be right and you could be wrong. Barnaby Golden (11:30) And funny enough, this brings on to another topic I'm greatly interested in, which is the definition of value. And that is if there is no clear understanding within the organization of value, then decisions become arbitrary. You know, we decide to do X rather than Y in the product. Well, why did you decide to do that? Well, because it was my decision to do that. Yeah, but is there a rationale behind it? Do you have a definition of the value of X and the value of Y? and why you chose one over the other. And I think that's part of the problem as well. The kinds of organizations that don't have empowered product owners also typically don't have a definition of value. Brian Milner (12:08) Yeah, I completely agree. I know I've had conversations in classes where I've talked to people about how when you're prioritizing, when you're looking at things in your backlog, and we always say you prioritize according to value. Well, what's the value? What's the value of doing that thing? And so many times, I think there are organizations that can't really identify what it is. Why are we doing this thing? because it sounded cool, because it seemed like the right thing to do, it just felt right? No, we're doing it so that it does something, it creates some outcome for us. And if you can't even really define what that outcome is that you're hoping it achieves, well, isn't that the start of the problem? Barnaby Golden (12:55) And I think part of the root cause of that as well is the tendency for these types of organizations to do long-term planning. So what they'll often do is they'll have a roadmap for the year and they'll say in this roadmap for the year, we will achieve all these things. And then it becomes less about delivering value and more about delivering the roadmap. And I've had conversations with product owners where I've said to them, you do realize what we're doing doesn't make sense. And they say, yeah, of course they do, but I'm not being measured. on sense or the delivery of value, I'm being measured on whether or not I meet the roadmap. And that was what's important to me. You can see how all these elements are tied together within the organization. Brian Milner (13:28) Right. Right? Yeah. No, that's an excellent point. And you're absolutely right. So much of our metrics and some of the things that we judge teams on or performance by is basically just a volume kind of metric. And it's how much stuff is being produced. that's not value. Volume does not equal value. Value can be achieved with much less a lot of the times. And if we're This is why sometimes I'll advise product owners in classes to say, look, start up your sprint review. Maybe go back and look at some things that you've done recently and show the metric that you're using for that thing to see if it's successful. Because if the team's done something in the past three or four sprints and it's actually moved the value needle some way, it's increased customer satisfaction. added new members to our site, whatever the thing is, right? If you can show that kind of business value to it, my experience is that people stop focusing as much on volume, because that's volumes of means to the end, which is the value. Barnaby Golden (14:40) Yeah. Yeah, absolutely. And the other thing I've noticed as well in these types of organizations is that the value they're focused on is the incremental, is not the incremental delivery. It's usually a new feature or something like that competing. And what you often find is that the teams are not end value creators. They're often parts of... the creation of value. rather than the whole creation of value, there may be a component of it. And because of that, people will say, well, there's no direct link between you and value creation in the organization. And I find that is very problematic. And it really flies against the rationale of Scrum, which is that you want within each sprint, you want to deliver some incremental value. And if you can't measure it, if you can't... clearly define what that value is. And as you were saying, if the product owner can't stand in the sprint review and say, well, this is the value we've delivered. How does the team keep motivated? How do they keep passionate about what they're doing? Brian Milner (15:50) Yeah. Yeah. I think part of that is just trying to put yourselves in the shoes of your customers and try to look about what they would find as being really valuable. I don't know about you. know, well, I'm sure this applies to you as well. But we all are consumers of different software products, whether that's a business software product or even games or other things that we would use. And when they come out with new releases of those things, they come out with release notes. Now, when they come out with the release notes, are you looking at the release notes and going, wow, I'm satisfied. There's a ton of things that's in this release. Or are you looking through the individual items and going, well, I don't care about that. I don't care about that. I don't care about this. That thing, oh yeah, that's important to me. Right? That's what we do. And that's a clear picture of value over volume. Barnaby Golden (16:49) Yeah, I mean, I think the thing that gets in the way here is a lot of it is the pride of the management team. So they often have strong self belief. They believe they make, they believe by definition, the decisions they're making are powerful decisions. So, I, it's also, think one of the reasons why a lot of organizations don't aren't data driven. You would hope they would. produce a feature and then measure whether or not that feature was a success. But that's not as common as it should be. There's very rarely business metrics tracked against deliveries. I mean, I'm generalizing here. There are many organizations do this very well. But I found there's quite a few organizations that don't really do that. And it leads to a disconnect with the customers. I mean, I can think of an example that we're... an organization I was working at where they worked on a feature delivery for six months that was on the roadmap and they got it done and they shipped it. And I think the expected users were tens of thousands and they got 16 users for this feature. And at that point there wasn't even a post-mortem. They didn't even look back and say, well, what are the lessons learned here? It was like, that's shame. Let's move on to the next item on the roadmap and hope that works instead. And it's very frustrating, especially because the feel of a good Scrum team is the connection with the customers and the feeling that you can see the passion in the engineers and in the team's eyes because they're delivering things that people want and they feel connected to it. And it means they work better and they work more effectively. Brian Milner (18:22) Yeah, there's no worse feeling than building something no one uses. I used to joke with the team, it's kind of like that old joke about if a tree falls in the woods and no one's around us, makes, if we build software that nobody uses, did we build it? It's not going to be used for anything. So it didn't serve any purpose. Barnaby Golden (18:31) You Yeah. Yeah, the way I like to think of it is that an organization should not view people's time spent in the job as important. What they should view is the value that that person has delivered as important. So sometimes people will say, know, yeah, okay, we delivered a feature that nobody really used, but you you did your job, you came in for eight hours a day during that time. And that's hard for people, I think, because they feel like this is my life. I'm investing time and energy into this. Yeah, the money is important, of course. I'm doing it as a career. But at the same time, I also want to feel reward. I want to feel like I'm achieving something. And I think with that element, you get so much better performance from the team if they feel that. Brian Milner (19:26) I agree. There's another thing I was thinking of here too, when we were talking about underpowered POs. Another cause I think that maybe you've encountered or seen as well, but screwy things that people do with kind of personnel. Like for example, having multiple product owners for a team, that leads to underpowered product owner or the opposite even putting a product owner on too many teams. That's going lead to underpowered POs as well. What's been your experience with that? Have you seen that? Okay. Barnaby Golden (19:54) I have one extreme example where there was an engineering team and the organization was an international organization. And politically within the organization, it was unacceptable to have one backlog. They had to have a backlog for the UK, a backlog for the US, a backlog for Australia, backlog for other areas of the world. And the team then had to... prioritize them kind of in this wild order. So they would say, right, we'll take number one from UK, number one from US. And so there was no coherence to what they were building at all. It was really just about satisfying people within the organization. And it kind of brings you back to that key point about why do we have product owners? Because product owners, they narrow down all the ambiguity, they narrow down all the possibilities to the thing that's most effective for the team to do next. Brian Milner (20:47) Yeah, I like your example because it highlights kind of what I think about those scenarios a lot of times is that they're theater. They're an act. They're not really serving the purpose, but they're making someone or helping someone to feel a sense of security about something that really they shouldn't feel. It's not there, but it has the appearance of it. It has the stage set. Barnaby Golden (20:55) Hmm. Yeah. Brian Milner (21:11) of something that looks secure, you know? Barnaby Golden (21:13) Yeah. mean, whenever somebody mentioned that to me, the first thing I always think about is the length of the backlog. I've worked in organizations where they could not achieve the backlog in 10 years if the team kept at it. And yet people within the organization say, yeah, I'm not worried. My feature request is on the backlog. And I'm thinking, yeah, but we're adding 10 new items a week and we're only completing eight. So in fact, you're moving further down the backlog. You're not actually getting closer to. being done. And it's, it's, it's a disconnect to gain. And this is what it's all about. Good agility, good scrum is when there's a strong connection. And if you start having that, that just doing things for appearances sake, then you lose that connection. Brian Milner (21:55) Yeah, and it really is kind of that fundamental flaw that we try to address throughout Scrum of transparency. When you do those kind of theater-ish things to give the appearance of something, it's the opposite of being transparent. You're trying to make it more difficult to see the reality. Yeah, it's on the backlog, so you have this false sense of security. It's on the backlog. It's never gonna get done, but... that's not transparent that it's never going to get done because it's on the backlog. Yeah, mean, part of that I put on the product owner a little bit, but that could also be that the organization demands it. Like your example with it having different backlogs across different geographies, does it serve a purpose? Well, maybe the purpose is to make someone feel better. That, hey, my thing's number one on our list, but... Barnaby Golden (22:39) Yeah. Brian Milner (22:43) That doesn't mean it's number one, that's the next thing that's going get done. It's theater. Barnaby Golden (22:47) And it was done exactly for that reason. I mean, it was done because they didn't want to alienate the heads of the individual countries. So they wanted to make them feel like they were going to get something even though they weren't going to get it. Which is really frustrating. Brian Milner (22:59) I've seen that as well with the multiple product owners. When there's a team that has multiple product owners, a lot of times that's a theater kind of thing as well, because there's a, I don't know if there's a fear that someone's gonna feel undervalued if they're not called the product owner. But it just seems like, yeah, we want all these voices to be involved with it, which again, maybe it's a misunderstanding of the product owner role. That's okay, you can have multiple voices involved, but you gotta define who's the decision maker. And if a team doesn't know that, that's gonna cause a whole host of problems. Barnaby Golden (23:34) Absolutely. I mean, I've been in scenarios where you would have multiple product owners. The team has been instructed by a product owner to go in a direction and then midway through a sprint, the other product owner will come along and say, yeah, that's not really what I had in mind for this sprint. Can you please switch onto this other thing? And as a, you know, I was a scrum master at the time and what I ended up doing in my sprint report was I would say, and the team lost 20 to 30 % of their capacity in switching. between what one product owner wanted and what the other product owner wanted. And that at least got a reaction because people said, well, OK, maybe that's not a good thing if we're losing output from the team. But it's a failure of the organization to make value judgments and make genuine decisions. Instead, it becomes political decisions. Brian Milner (24:19) Yeah. Well, I'll give you my trick for when I've encountered it as a consultant a couple of times, I usually just ask one question and it'll clear it up. I'll just go to them and whoever the leader is that's insisting that there's multiple product owners on the team, I'll just go and say, all right, what happens when, let's say it's two, what happens when those two people disagree? And usually the immediate thing I hear back is, oh, no, no, no, they get along. They usually understand. Barnaby Golden (24:45) You Brian Milner (24:47) And I always just counteract it really quickly and say, yeah, but what happens when they don't? What happens when the day comes when one of the product owners wants something that's number one and the other one wants an entirely different thing as the number one priority, who makes the call? And usually they'll point to one of them and say, push comes to shove that one. right. I mean, at that point, I just say, well, you just told me that's your product owner, right? Barnaby Golden (25:08) got a little bit more authority so they make the decision here. Brian Milner (25:15) That's the product on the other person's a stakeholder, which is fine. There's nothing devaluing about someone who's a stakeholder. They can work all day every day with that product owner. Barnaby Golden (25:24) Yeah, absolutely. I think that people feel if they're not in the product owner role, then they will just be another stakeholder and maybe they won't have as loud a voice. But what's so frustrating about the situation is when you see it done well, when you see it done effectively with a really good empowered product owner, a very motivated team, it's such a powerful thing. And I mean, it's why I stayed in Agile for so long is because I know how good it can be and It's very frustrating and I guess I have sympathy for organizations because maybe if they've never seen it done well, it's difficult for them to understand how just how effective it is. Brian Milner (26:00) Yeah, I agree. Well, this has been a great discussion. I really like this topic. It's great to focus on product owners a little bit. And hopefully, maybe there is a leader out there or somebody listening who heard some of these things and thought, you know what? Maybe it is time to give our product owner a little more power. We talk about testing things all the time, inspecting and adapting as we go. Well, leaders, try that. Barnaby Golden (26:25) Yeah, maybe just try it as an experiment. You know, if you're concerned, give it a go. Brian Milner (26:27) Yeah. Yeah. Give it a shot and see what happens. You may like it, and you may decide this is the best way to go. So yeah, I think that's a great suggestion. Well, Barnaby, this has been great. I really appreciate you making time for this. thanks for not only being on the show, but for the contributions you made in the Agile Mentors community as well. Barnaby Golden (26:47) Well thanks a lot Brian, I really enjoyed that, it was a great conversation.
Welcome to "In The Trenches with Dave Lapham," presented by First Star Logistics. In this episode, Dave Lapham joins Dave Berk to offer an in-depth preview of the Cincinnati Bengals' second preseason game against the Washington Commanders. They also tackle the pressing issue of the contract stalemate with star defensive end Trey Hendrickson. The conversation kicks off with a look at the heightened importance of the second preseason game. While the starters are expected to see some action, this matchup is a crucial evaluation opportunity for rookies, free agents, and players on the roster bubble who are fighting to make an impression. Lapham draws on his own experience as a former player, emphasizing the immense pressure these athletes face to perform and secure their spot on the team. A significant portion of the discussion is dedicated to the offensive line. Rookie offensive guard Dylan Fairchild, who had an impressive debut, is now tasked with the challenge of "stacking" another strong performance to prove his consistency. Lapham notes that while Fairchild's success isn't surprising given his pedigree at Georgia, the ability to consistently perform is what separates good players from great ones in the NFL. Conversely, they touch on the struggles of right guard Lucas Patrick and how that has opened up a battle for the position, with players like Jalen Rivers and Cody Ford in the mix. The conversation then shifts to the ongoing contract negotiations with Trey Hendrickson. Both Daves agree that a trade seems highly unlikely given Hendrickson's immense value to the team, not just as a premier pass rusher but also as a person and a leader. Lapham highlights Hendrickson's incredible work ethic and his status as the most productive pass rusher in the league over the last two seasons. They discuss the complexities of the negotiation, suggesting it's likely a matter of structuring the contract and the amount of guaranteed money, rather than a question of whether a deal will get done. Lapham expresses strong confidence that both sides will come to an agreement, as letting a player of Hendrickson's caliber go would be a massive loss for the Bengals. Looking ahead to the game against the Commanders, Lapham shares what he'll be watching for. Offensively, he wants to see the first-team offense, led by Joe Burrow, continue to execute at the high level they displayed in their first preseason outing. Defensively, he's looking for the unit to "up the ante" and play a cleaner, more cohesive game. He believes the Bengals' defense has the potential to be one of the best in the league under new coordinator Al Golden and wants to see them take a step towards realizing that potential. This episode of "In The Trenches" is a must-listen for any Bengals fan looking for expert analysis on the key storylines heading into the second week of the preseason. From individual player battles to high-stakes contract talks, Dave Lapham provides unparalleled insight into the state of the Cincinnati Bengals. Don't forget to like, subscribe, and hit the notification bell to stay up-to-date with all the latest from "In The Trenches with Dave Lapham," presented by First Star Logistics. First Star Logistics is one of the fastest-growing companies in Cincinnati and is looking to expand its brokerage department. Visit firststarlogistics.com for more information on how you can join their team.
Depression is a state of consciousness that affects around one in 5 people. It is marked by some consistent attributes, feelings of low mood, suicidal thoughts, loss of interest in life’s joys, diminished libido, emotional numbness, excessive crying, unworthiness, persistent negative thoughts, poor focus, creative blocks, isolation, and, for some, anxiety. These symptoms often mirror the spiritual depletion described by mystics. Our energy field can be exalted and strong, sparkly and shining with inner light, giving us a bounce in our step and joy in our heart that doesn’t come from what’s happening around us but is like an inner wellspring of positivity. Conversely if our spirit is diminished, dulled, worn down, the energy centres will not be able to do their jobs properly and the symptoms of depression can manifest. In this episode of Mystery School, Shakti Durga discusses Ignite Your Spirit, a healing modality that has helped thousands alleviate depression. Many experience complete symptom relief, while others find it less severe and limiting. This unique therapy focuses on the spirit and soul to create tangible, real-world change, tailored to your personal beliefs, regardless of faith. Shakti Durga will share inspiring stories of transformation and explain how this approach supports profound healing. Listen live at - https://www.transformationtalkradio.com/show-details/mystery-school-with-shakti-durga-ancient-wisdom-for-everyday-life,498.html
Depression is a state of consciousness that affects around one in 5 people. It is marked by some consistent attributes, feelings of low mood, suicidal thoughts, loss of interest in life’s joys, diminished libido, emotional numbness, excessive crying, unworthiness, persistent negative thoughts, poor focus, creative blocks, isolation, and, for some, anxiety. These symptoms often mirror the spiritual depletion described by mystics. Our energy field can be exalted and strong, sparkly and shining with inner light, giving us a bounce in our step and joy in our heart that doesn’t come from what’s happening around us but is like an inner wellspring of positivity. Conversely if our spirit is diminished, dulled, worn down, the energy centres will not be able to do their jobs properly and the symptoms of depression can manifest. In this episode of Mystery School, Shakti Durga discusses Ignite Your Spirit, a healing modality that has helped thousands alleviate depression. Many experience complete symptom relief, while others find it less severe and limiting. This unique therapy focuses on the spirit and soul to create tangible, real-world change, tailored to your personal beliefs, regardless of faith. Shakti Durga will share inspiring stories of transformation and explain how this approach supports profound healing. Listen live at - https://www.transformationtalkradio.com/show-details/mystery-school-with-shakti-durga-ancient-wisdom-for-everyday-life,498.html
NEW POSITION ALERT!! And even more important than that, I take you through the step-by-step process we take here at the show, so you can do all of this yourself and never have to listen to this podcast ever again! But you still will. Because you just can't get enough. And we love you for it. Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits. We are not taking requests for episode topics at this time. Thank you for understanding.
The Human Dimension of International Law (Brill, 2025) offers a vision of international law through the protection of human rights and the values they embody. This approach is particularly timely in light of recent international developments. For the first time, the International Court of Justice is seized of the main legal aspects of serious contemporary crises (Ukraine, Gaza Strip, Syria, Myanmar, etc.), on the basis of human rights instruments, with the participation of dozens of States. In this context, the book analyzes the multiple interactions between general international law and human rights. The former influences the latter, positively or restrictively, as illustrated by the issue of jurisdictional immunities. Conversely, human rights exert an influence on the evolution of general international law, sometimes gently, sometimes drastically. They contributed to the development of the sources of international law, several institutions related to the external relations of the State, the law of the sea, the theory of the subjects of international law, the concept of international responsibility, the system of collective security, as well as the structure and character of the discipline. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
The Human Dimension of International Law (Brill, 2025) offers a vision of international law through the protection of human rights and the values they embody. This approach is particularly timely in light of recent international developments. For the first time, the International Court of Justice is seized of the main legal aspects of serious contemporary crises (Ukraine, Gaza Strip, Syria, Myanmar, etc.), on the basis of human rights instruments, with the participation of dozens of States. In this context, the book analyzes the multiple interactions between general international law and human rights. The former influences the latter, positively or restrictively, as illustrated by the issue of jurisdictional immunities. Conversely, human rights exert an influence on the evolution of general international law, sometimes gently, sometimes drastically. They contributed to the development of the sources of international law, several institutions related to the external relations of the State, the law of the sea, the theory of the subjects of international law, the concept of international responsibility, the system of collective security, as well as the structure and character of the discipline. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs
Lama Zopa Rinpoche says that the penultimate stanza in Praise to Shakyamuni Buddha contains two important meditations: causative phenomena are transitory, and they do not exist as they appear.‘A star, a mirage, the flame of a lamp,An illusion, a drop of dew, or a bubble,A dream, a flash of lightning, a cloud—See conditioned things as such!'Rinpoche explains that the transitory nature of phenomena encompasses gross, subtle, and extremely subtle impermanence. Gross impermanence can be seen in how a flower wilts throughout the day or the ageing of our bodies over time. The changes that occur minute-by-minute and second-by-second are more subtle. Then, the changes within a second are extremely subtle. In reality, these changes are occurring minute-by-minute, second-by-second and even within the second, but we have a hallucination of permanence. We believe the concept of permanence. According to our projection, this beautiful body or this beautiful flower will always be like this.Rinpoche highlights that there's a huge difference between following the thought of impermanence as opposed to permanence. If you practice mindfulness of this stanza, immediately you find peace in your heart. The minute you reflect on impermanence, desire is stopped. All your problems cease because you have no reason to cling to objects or get angry. In this way, you're giving yourself freedom to achieve liberation. Conversely, when you follow the concept of permanence, you're putting yourself in the prison of samsara. Thus, meditating on this stanza is unbelievably important.Rinpoche details how phenomena don't exist as they appear. It's like an illusion. They exist in mere name, merely imputed by the mind. They do not exist from their own side.Rinpoche talks about the extremely subtle borderline between whether the I exists or doesn't exist. It's not completely nonexistent, but it's like nonexistent. He says it's easy to think it doesn't exist and fall into nihilism. Many famous meditators in the past either fell into nihilism or eternalism because they were unable to see the middle way. Rinpoche praises Lama Tsongkhapa for making the clearest explanation of the right view and clarifying the extremely subtle point of dependent arising. He says that this is one of the special qualities of Lama Tsongkhapa's teaching.Rinpoche urges us to practice recognizing the hallucination as hallucination. He says that if you hold onto things as true, then that becomes the basis for all the other delusions and the cause of samsara.From April 10 to May 10, 2004, Lama Zopa Rinpoche gave extensive teachings during the Mahamudra Retreat at Buddha House in Australia. While the retreat focused on Mahamudra, Rinpoche also taught on a wide range of Lamrim topics. This retreat marked the beginning of a series of month-long retreats in Australia. Subsequent retreats were held in 2011, 2014, and 2018, hosted by the Great Stupa of Universal Compassion in Bendigo.Find out more about Lama Zopa Rinpoche, his teachings and projects at https://fpmt.org/
The discussion revolves around the recent underperformance of Marvel properties, specifically "Fantastic Four: First Steps" and the promotion of "Eyes of Wakanda." Despite the anticipation surrounding these properties, both have failed to meet industry expectations, with "Eyes of Wakanda" receiving little promotion and "Fantastic Four" being criticized for its marketing strategy. The speakers analyze the current state of the film-going experience, noting a decline in audience engagement despite some films still turning a profit, including upcoming titles like "Thunderbolts" and "Captain America: Brave New World." They delve into the complexities of viewer expectations and the evolving landscape of superhero cinema, questioning the factors contributing to this perceived downturn in the cinematic experience.
Teachhoops.com Setting up a cohesive basketball defense is the cornerstone of any successful team, built on a foundation of communication, effort, and a shared understanding of core principles. Before deciding on specific formations, a team must commit to a defensive identity. This involves instilling fundamentals like maintaining a low, athletic stance, constant communication (calling out screens, cutters, and ball location), and understanding the importance of "help-side" defense, where players move in unison to support the on-ball defender and protect the paint. The primary goal is to make the offense uncomfortable, forcing them into contested, low-percentage shots and limiting them to one scoring attempt per possession by securing the defensive rebound. The two most fundamental defensive alignments are man-to-man and zone defense. In a man-to-man scheme, each defender is assigned a specific offensive player and is responsible for guarding them wherever they go on the court. This strategy emphasizes individual accountability, footwork, and the ability to stay in front of your opponent. Conversely, a zone defense requires players to guard specific areas of the floor rather than a single player. The most common zone is the "2-3 zone," with two players up top and three along the baseline. Zone defenses are effective at protecting the lane, forcing outside shots, and conserving energy, but they can be vulnerable to good three-point shooting teams and require seamless communication to cover gaps as the ball moves. basketball defense, how to play defense, man-to-man defense, zone defense, 2-3 zone defense, defensive fundamentals, basketball coaching, team defense drills, defensive stance, help-side defense, on-ball defense, basketball defensive strategy, denying the ball, closeout drills, defensive communication, defensive rebounding, forcing turnovers, basketball practice plans, youth basketball defense, pack line defense, defensive rotations, stopping dribble penetration, guarding the post, basketball IQ, defensive principles SEO Keywords Dr Dish Website CoachingYouthHoops.com https://forms.gle/kQ8zyxgfqwUA3ChU7 Coach Collins Coaching Store Check out. [Teachhoops.com](https://teachhoops.com/) 14 day Free Trial Youth Basketball Coaches Podcast Apple link: https://podcasts.apple.com/us/podcast/coaching-youth-hoops/id1619185302 Spotify link: https://open.spotify.com/show/0g8yYhAfztndxT1FZ4OI3A Funnel Down Defense Podcast https://podcasts.apple.com/us/podcast/funnel-down-defense/id1593734011 Want More Funnel Down Defense https://coachcollins.podia.com/funnel-down-defense [Facebook Group . Basketball Coaches](https://www.facebook.com/groups/basketballcoaches/) [Facebook Group . Basketball Drills](https://www.facebook.com/groups/321590381624013/) Want to Get a Question Answered? [ Leave a Question here](https://www.speakpipe.com/Teachhoops) Check out our other podcast [High School Hoops ](https://itunes.apple.com/us/podcast/high-school-hoops-coaching-high-school-basketball/id1441192866) Check out our Sponsors [HERE](https://drdishbasketball.com/) Mention Coach Unplugged and get 350 dollars off your next purchase basketball resources free basketball resources Coach Unplugged Basketball drills, basketball coach, basketball workouts, basketball dribbling drills, ball handling drills, passing drills, shooting drills, basketball training equipment, basketball conditioning, fun basketball games, basketball jerseys, basketball shooting machine, basketball shot, basketball ball, basketball training, basketball camps, youth basketball, youth basketball leagues, basketball recruiting, basketball coaching jobs, basketball tryouts, basketball coach, youth basketball drills, The Basketball Podcast, How to Coach Basketball, Funnel Down Defense FDD Learn more about your ad choices. Visit podcastchoices.com/adchoices
This is one of the most common issues with traders around the world, and also one of the most misunderstood. VP and Robb break it all down, process it, and as always provide solutions here in Episode 93. #TradingPsychology Maverick Links Click Here To Learn More about Maverick Forex Trading: URL: https://maverickfx.com/application-3-a/?utm_source=vpyt Click Here To Learn More about Maverick Currencies: URL: https://maverickcurrencies.com/application-3-a/?utm_source=VPPodPsych Click Here To Learn More about Maverick Trading's Stock/Options Division: URL: https://mavericktrading.com/application-3-a/?utm_source=VPPodPsych Maverick Trading YouTube Channel: https://www.youtube.com/@mavericktrading Robb's Flat Earth Trading Society https://www.youtube.com/@FlatEarthTradingSociety No Nonsense Forex Links VP's Trading Psychology Book https://nononsenseforex.com/forex-psychology-book/ Recommended Crypto Trading Platform (Bonus and Contest Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X The hosts of this podcast are not licensed financial advisors, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading anything involves risk. Losses can exceed deposits.
Last time we spoke about the 800 heroes who defended the Sihang Warehouse. In the fall of Shanghai during October 1937, amidst overwhelming odds, a small battalion under Colonel Xie Jinyuan took a stand inside the Sihang Warehouse, transforming it into a fortress against the invading Japanese army. As word spread of their stand, local citizens rallied, providing vital supplies and cheers of encouragement from across the Suzhou Creek. The defenders, dubbed the "800 Heroes," symbolized hope and determination. Despite suffering heavy casualties, they held firm, embodying the spirit of resistance against aggression. As dawn broke on November 1, 1937, a strategic retreat was ordered, allowing Xie's remaining troops to escape safely into the International Settlement. Their legacy endured, highlighting the courage of those who fought against overwhelming odds. The saga of the "800 Heroes" became a beacon of hope for future generations, immortalizing their determination to protect their homeland during one of its darkest hours. #162 The Battle of Shanghai #7: The Fall of Shanghai 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. The fall of the Sihang Warehouse and withdrawal from Zhabei and Jiangwan doomed the Chinese defense of Shanghai. The army shifted to a fortified defensive line along the southern bank of Suzhou Creek, extending north towards the city of Nanxiang. Suzhou Creek provided an advantageous defensive position, acting as a natural barrier measuring up to 150 feet wide, with steep banks rising seven feet on either side. However, once this line was abandoned, there would be no fallback position remaining. Losing control of Suzhou Creek would be the loss of Shanghai. As German advisor Borchardt noted, “the Chinese command was therefore putting all its efforts into holding the position for as long as possible, without risking the annihilation of units crucial for continuing the war.” The Japanese planned their main assault directly south across Suzhou Creek to encircle the troops stationed in Shanghai. However, they first needed to create sufficient space for maneuvering. To achieve this and to secure their right flank, they launched a significant attack on Nanxiang on October 28, advancing along the railway from Shanghai. With the benefit of extensive support from aircraft and artillery, the Japanese were able to breach the Chinese frontline with relative ease. Nevertheless, they failed to capture Nanxiang, and the outcome was less of a victory than it initially appeared, as the Chinese had established a robust defense, preparing a two-mile stretch of obstacles and barriers east of the city. In a subsequent advance that shifted to the south, the Japanese engaged in a brief battle before seizing the town of Zhenru, which was strategically important due to its radio station that facilitated much of Shanghai's telephone and telegraphic communications with the outside world. In preparation for crossing Suzhou Creek, the Japanese had spent several days assembling a small fleet of vessels commandeered from Shanghai's civilian population, which included motorboats, sampans, and basic bamboo barges. On October 31, the 3rd Japanese Infantry Division, positioned at the eastern end of the Suzhou Creek front, initiated several crossings. During one of these attacks in the late afternoon near the village of Zhoujiaqiao, Japanese soldiers managed to reach the southern bank but were immediately met with enfilading fire from Chinese machine guns, resulting in significant casualties. They also faced counterattacks from Chinese reserves, who had been quickly summoned to neutralize the threat. Despite these challenges, the Japanese were able to maintain a narrow foothold. A parallel attempt by the same division further downstream, closer to the International Settlement, ended in failure, despite the evident superiority of Japanese equipment. Engineers deployed a mile-long smokescreen across the creek, while a dozen three-engine bombers, protected by fighter planes, hovered over the battlefield, actively scouting for targets. Although a small landing party successfully crossed the creek, they were quickly met with a fierce artillery barrage, and a Chinese counterattack forced them back into the water. Foreign military observers speculated that this operation was more a reconnaissance mission than a serious attempt to cross in that sector, as engaging in battle so close to the International Settlement would have required operations in heavily built-up areas. On November 1, three battalions of the 9th Japanese Division attacked in small boats across Suzhou Creek at the point where the Chinese frontline bent northward, successfully establishing a bridgehead on the other side. Over the next two days, the division managed to deploy a substantial number of troops across, eventually controlling an area that stretched about half a mile along the south bank of the creek. The following day, the Chinese launched a determined effort to eliminate this growing threat. While they made significant gains, they ultimately failed to eradicate the Japanese landing party, partly due to their inability to fully utilize their considerable artillery resources. At the beginning of the day's battle, just 60 feet separated the trenches of the opposing forces, meaning any barrage aimed at the Japanese was equally likely to hit Chinese lines. At dawn on November 3rd, the exhausted Tax Police Division were taking horrible losses trying to hold the Japanese back. Men began to scream “poison gas” as white clouds drifted across the Suzhou creek towards their trenches. Despite this the Japanese had not managed to carve out a bridgehead, but did built a pontoon bridge and sent a small force over to occupy a two story building near the bank, designated as “the red house”. Huang Jie, commander of the Tax Police Division, was a nervous wreck, feeling overwhelmed by fatalism after Chiang Kai-shek threatened to court-martial any officer who permitted the Japanese to cross to the southern bank of the creek. The appearance of an ominous cloud was the final straw. Although the cloud was later confirmed to be just a smoke screen and not poisonous gas, Huang was already defeated. With another Japanese assault imminent, he felt incapable of leading the defense. “It's over. It's all over,” he said matter-of-factly, raising his sidearm to his temple. Nearby, senior officer Sun Liren intervened, urging him, “General, please go back. We'll take care of this.” The battle continued until 4:00 p.m., but the battalion that faced the brunt of the Japanese onslaught had disintegrated. Its commander was dead, along with all but one company commander and over half of the platoon leaders. Of the original 600 men, only 200 remained. This was not what the Tax Police Division had anticipated when they were pulled from the area south of Wusong Creek the previous month; they believed the strong defenses at Dachang could hold for at least a month or two, providing sufficient time for the exhausted troops in the rear to recover. On the evening of November 3, following the latest Japanese attempt to cross the creek, the Tax Police Division's commander ordered Sun Liren to rest. However, Sun felt the need to complete one last task: destroying the pontoon bridge the Japanese had constructed across Suzhou Creek, which remained largely intact despite repeated Chinese efforts to demolish it. Previous attempts, including frontal attacks and sending swimmers downstream with explosives, had failed. Finally, they prepared large rolls of cotton soaked in gasoline to roll downhill toward the bridge, but these efforts were halted by Japanese barbed wire. For his final attempt, Sun requisitioned sea mines to float them downstream and detonate them near the bridge. To ensure the success of this plan, he required the cooperation of engineers. Unfortunately, the engineers he ordered for the late-night mission had not been trained by him, and despite being of lower rank, they were disinclined to put in extra effort for an unfamiliar officer. They worked slowly, and by dawn, the mines had yet to be pushed into the water. In the early morning light, they became visible targets along the bank, attracting Japanese fire. Sun was hit, but he was among the fortunate; later, soldiers from the Tax Police Division found him beneath a pile of dead bodies, with doctors later discovering 13 bullet wounds in his body. His participation in the battle of Shanghai had come to an end. According to German advisors, the Chinese repeatedly made the same mistake in the struggle for Suzhou Creek: a lack of independent thinking among junior Chinese commanders prevented them from reacting aggressively to Japanese crossings. This delay allowed the Japanese to entrench themselves, and subsequent Chinese counterattacks often succeeded only after several costly failures. Moreover, Chinese artillery lacked the flexibility to adapt quickly and lacked training in selecting the appropriate ordnance for the situation. The Germans argued that this allowed the enemy “sufficient time to set up a good defense,” and even when later Chinese attacks achieved some significant successes, they failed to completely annihilate the enemy forces that had crossed the creek. Conversely, the Japanese were also frustrated, particularly their commander, Matsui Iwane. Although the 9th Division had made significant advances, the 3rd Division remained confined to a narrow strip of land south of the creek, thwarting hopes for a quick, decisive push southeast to trap the remaining troops in Shanghai and Pudong. On November 3, the birthday of Emperor Meiji, who was instrumental in modernizing Japan, Matsui reflected on his initial hopes of celebrating as the conqueror of Shanghai. Instead, he found himself disappointed, writing, “Now we've finally won a small piece of land south of Suzhou Creek, but the south of Shanghai and all of Pudong remains in enemy hands. That the festival is happening under conditions such as these is a source of boundless humiliation.” Japanese planners in Tokyo had been increasingly concerned that operations in the Shanghai area were not progressing as anticipated since the troop deployments began in August. Despite sending three additional divisions, the advances remained limited, prompting the Army General Staff to consider a more fundamental strategic shift in China. The core question revolved around whether to prioritize the northern campaign or the battles around Shanghai, as Japan lacked the resources to effectively pursue both. In early October, Japanese officers concluded that addressing the situation in Shanghai must take precedence. A large reason for this decision rested on fears of a potential soviet attack in the northeast before the New Year. With so many divisions stuck in Shanghai Manchukuo was quite vulnerable. On October 9, the Army General Staff established the 10th Army, specifically designed to shift the balance in Shanghai. This new force included the 6th Infantry Division, currently deployed in northern China, a brigade from the 5th Infantry Division known as the Kunizaki Detachment, and the 18th and 114th Infantry Divisions from the home islands. Command of the 10th Army was entrusted to General Yanagawa Heisuke, a 58-year-old veteran of the Russo-Japanese War who had recently retired but was recalled to service due to his suitability for the role; he had previously served as a military attaché in Beijing and as an instructor at the city's army college. The 10th Army was to be landed behind Chinese lines. There were two possible landing sites: the south bank of the Yangtze River, where earlier landings had occurred in late August, or the north bank of Hangzhou Bay. Hangzhou Bay provided the element of surprise thus it was selected. However when reconnaissance was performed, the area was found to be heavily fortified with many terrain issues that would complicate logistics. Matsui Iwane expressed his concerns in his diary, noting, “It would probably be much easier if they landed on the banks of the Huangpu and Yangtze Rivers. This plan gives me the impression of a bunch of young people at play”. The 10th Army was set to land before dawn on November 5. The Kunizaki Detachment would lead the assault, capturing a stretch of coastline east of Jinshanwei in the middle of the night. This would be followed by the 6th Division, with the 18th Division on its right flank and the 114th Division on its left. All units were to advance briskly north to the Huangpu River and cross it. A major objective north of the river was the city of Songjiang, a key transportation hub for both rail and road. Ultimately, the goal was to link up with Japanese units advancing south in the flat countryside west of Shanghai to encircle as many Chinese soldiers as possible. Secrecy was vital for the 10th Army in its preparations. The commanders recalled an old saying: “If you want to cheat the enemy, first you must fool your own men,” and decided to adhere to it. To mislead their forces before the embarkation of the 6th Division, they distributed maps of Qingdao, a northern Chinese port city, to create the illusion that it was the operation's target. This way, if any information leaked, it would mislead the recipient. On November 1, the convoy carrying the 6th Division departed the waters off the Korean Peninsula, heading south. The following day, it merged with another convoy transporting the 18th and 114th Divisions from Japan. Together, they formed a substantial fleet of nearly 200 vessels, necessitating heightened caution to avoid detection. Strict orders prohibited the use of lights, and radio silence was enforced at all times. As the ships neared Shanghai, they sailed in a wide arc offshore, only redirecting toward land when they were aligned with Hangzhou Bay. Upon learning their true objective, the soldiers felt a mix of excitement and apprehension as they crowded the dark decks, catching sight of the vague silhouette of the continent they were about to conquer. The advance unit, the Kunizaki Detachment, boarded its landing craft as planned at 3:00 am on November 5, heading towards its designated section of the coastline. Meanwhile, the rest of the 10th Army waited anxiously aboard ships anchored two miles offshore. The silence from the shore indicated that the detachment had encountered no resistance, although the ongoing radio silence left uncertainty. Eventually, the detachment signaled with light projectors that the landing had gone as planned. With this confirmation, the soldiers of the second wave began their approach. The 10th Army had intended for the invasion force to move swiftly from the landing zone to secure the area before the Chinese could mount a counterattack. Each soldier was equipped with a week's supply of rice and as much ammunition as he could carry to avoid being hindered by a lengthy supply train; mobility was essential. On the first day of the landing, the Chinese launched only two minor counterattacks. One occurred on the left flank but failed to hinder the advance north, while the other on the right flank also had limited success, forcing the Chinese to retreat ahead of the advancing Japanese troops. By mid-morning on November 5, over 3,000 Japanese soldiers had successfully landed, and this number continued to rise rapidly. The urgency of the situation was evident, and only swift and decisive actions could offer the Chinese generals a chance to avert catastrophe. However, instead of mounting an all-out effort to push the Japanese back into the sea, they chose to play a waiting game. The consensus among the command center of the 3rd War Zone in Suzhou during the early hours was that the landing forces were weak and intended to distract from more critical operations planned for the near future. Enemy resistance was weak and sporadic, allowing the Japanese divisions to make rapid progress despite encountering natural obstacles along their route. By the evening of November 5, less than 24 hours after the initial unit landed, they had advanced three miles inland. Before noon the following day, they reached a ferry port on the Huangpu River, where a group of over 100 soldiers managed to cross, clearing the way for the continued push toward Songjiang. Meanwhile, the left flank of the Japanese landing force engaged in more intense fighting for the first time but still managed to gain ground. The Japanese momentum appeared unstoppable.In desperation, the Chinese resorted to scorched earth tactics reminiscent of the Napoleonic Wars, similar to their earlier actions in Zhabei. They destroyed every building and field, burned crops, killed livestock, and poisoned wells, leaving nothing for the victors. It was the local population that ultimately paid the price, witnessing their ancestral homes reduced to ashes. Once the Chinese command was convinced that the invasion at Hangzhou Bay was a genuine main effort rather than a deceptive act, it directed all available forces south to contain the escalating threat. However, the Chinese had very few troops to spare. The Chinese dispatched a total of seven divisions and one independent brigade to the landing area. While this force appeared to be roughly twice the size of the Japanese, in reality, it was much weaker. Many of these units had endured extended battles and were not at full combat strength. They were sent south without adequate preparation, and their morale suffered due to the continuous stream of negative news from the front. Additionally, the same poor road network that hindered the Japanese slowed the Chinese reinforcements, resulting in many arriving too late to influence the conflict significantly. Once the opportunity to push the Japanese back into the sea was lost, the next best option was to halt their advance at the Huangpu River. Although this was a significant natural barrier, there were no fortifications prepared along its banks. Compounding the issue, a large number of civilian vessels were left on the south bank, providing the Japanese with an easy means of crossing. Confronted with a steady stream of better-equipped and experienced Japanese soldiers, many Chinese defenders occasionally retreated without a fight. In response to the threat from the south, the Chinese commanders repeated a costly mistake from previous crises: they deployed newly arrived troops in Shanghai directly into battle. This disregard for the exhausted condition of those troops, who had just completed a long trek from Henan province, left them ill-prepared for effective engagement. The 107th and 108th Divisions, part of the 67th Army, had only recently arrived in the Shanghai area when they were ordered on November 8 to move south to defend the strategic city of Songjiang at least until November 11. Though the commanders may have had no other choice but to deploy the 67th, the outcome was predictable. Despite their efforts to hold Songjiang, the two divisions could not stand against the Japanese, and by November 9, they had begun withdrawing from the nearly surrounded city. During the retreat, army commander Wu Keren was assassinated by a group of plainclothes men. Whether these were Japanese soldiers or local traitors hired for the task was never determined, making him the only general to lose his life in the entire Shanghai campaign. This setback rendered the 67th Army ineffective as a fighting force, leading to a complete retreat from the battlefield. Like many other lower-quality units in the Chinese military, the rank-and-file soldiers had never been encouraged to take the initiative, and the corps ultimately disintegrated after losing their commander. Amid the chaos and confusion at the landing zone, many Chinese officers concluded that the battle for Shanghai was lost and focused on salvaging whatever equipment they could before it was too late. On the morning of November 5, three artillery batteries stationed along the north shore of Hangzhou Bay attempted to resist the Japanese forces. As the Chinese front along Hangzhou Bay collapsed, even a successful retreat could be seen as a modest victory. Chiang Kai-shek was on the brink of a nervous breakdown as the full scale of the Japanese landing at Hangzhou Bay became evident. On the evening of November 5, he had over 20 anxious telephone conversations with Gu Zhutong, asking repeatedly, “Is there a fight?” Gu confirmed, “The artillery is bombarding us heavily. There are airplanes, warships.” That night, Chiang met with Chen Cheng and appeared to accept that it was time to abandon positions south of Suzhou Creek. However, political considerations prevented him from immediately communicating this decision to his commanders. He wished to see the Brussels Conference get underway without having China appear defeated and seemed to hope to hold out until November 13, aiming for a minor propaganda victory by demonstrating that China had endured for three months. On the night of November 8, Chiang issued a fateful command to Shanghai police chief Cai Jianjun, instructing him to hold Nanshi while the rest of the army withdrew west, a directive that sounded like a suicide mission. When Cai refused, Chiang's response was swift: “Shoot him.” Luckily for Cai, he escaped being shot. The Chinese retreat from Shanghai commenced in an orderly manner. At 10:00 am on November 9, the last soldiers organized their march southwest past St. Ignatius Cathedral, where thousands of refugees waited, leaving the city they had defended for nearly three months. As they departed, they burned significant properties, including factories and coal yards, to deny the Japanese valuable resources. Among the structures targeted was the Toyoda Cotton Mills, a prominent symbol of Japan's influence in the Yangtze Delta. Initially, the withdrawal seemed disciplined, reminiscent of earlier successful withdrawals that had surprised the Japanese. However, the situation quickly deteriorated as the Japanese pursued them relentlessly. By noon, they had secured Hongqiao Airfield, the site of earlier conflict, and aimed to inflict maximum damage on the retreating Chinese army. Japanese planes launched attacks from carriers offshore, machine-gunning the congested roads filled with retreating soldiers. Additionally, they bombed bridges and train stations, destroyed communication lines, and shelled already weakened transportation networks. With communications largely disrupted and scattered units receiving no coordination, chaos ensued. Soldiers became consumed by the instinct for personal survival, leading to a disorganized stampede as panic spread. Desperate to escape, many soldiers tried to access designated foreign zones. Some forced their way across checkpoints at gunpoint, while others disguised themselves as civilians to gain entry. A foreign correspondent observed a Chinese soldier throw away his rifle and jump into the polluted Siccawei Creek, wading across in just his underwear, to escape Japanese capture. Similarly, senior officers realized that rank would not protect them from Japanese retribution. General Ye Zhao, retreating with his staff, donned peasant clothes after encountering an abandoned farmhouse and was later captured by the advancing Japanese, who mistook him for a common laborer. As the Japanese approached Nanshi, the mostly Chinese area of Shanghai, the situation grew dire. A group of individuals accused of spying for the Japanese was executed by firing squad in public view, sparking terror among onlookers. As the government prepared to evacuate, officials urged the remaining residents to continue resisting, warning against traitors. The swift retreat of the Chinese Army shocked many Shanghai residents, who had believed the city could withstand the siege indefinitely. As the city fell in just a few hectic days, thousands of desperate civilians, burdened with their belongings, flocked to the bridges leading to the French Concession, pleading to be let in. However, they were met with hostility from French police, reinforced with tanks, who ordered them to turn away. When they resisted, local Chinese employees were forced to help drive them back, resulting in horrific scenes of violence. The New York Times correspondent Hallet Abend reported how the crowd was ruthlessly beaten back, with some falling into Siccawei Creek, where several drowned amid the chaos. Chinese resistance in Nanshi persisted, as pockets of soldiers were determined to make the conquest challenging for the Japanese. After three days of fighting, between 5,000 and 6,000 Chinese soldiers remained in Nanshi when the Japanese launched their final assault on the morning of November 11. They began a relentless artillery bombardment of the densely populated area. Foreign correspondents, including American journalist Edgar Snow, observed the battle from the French Concession across Siccawei Creek. Japanese tanks advanced cautiously through narrow streets, pausing to fire before retreating, while infantry moved carefully to avoid Chinese snipers hiding among the buildings. While most residents had fled, some civilians continued their daily lives amidst gunfire and explosions. An incident was reported where a group of Chinese were eating rice in a sampan when a machine gun opened fire, causing them to seek cover under the mat. The Japanese forces encountered familiar challenges as they advanced through Nanshi, struggling to set up pontoon bridges across canals, which slowed their progress. In a last stand visible to onlookers in the French Concession, the Chinese soldiers faced an unequal confrontation. The Japanese tanks fired upon them from only 60 yards away, and the defenders were subjected to intense air raids before being driven back. At a desperate moment, one Chinese soldier carried a wounded comrade across Siccawei Creek, dodging bullets, and received assistance from French guards. This encouraged more Chinese soldiers to cross into the French sector, surrendering their weapons to avoid certain death. They became internees, protected from the Japanese, although they felt betrayed by the circumstances that forced such a decision. Not all soldiers managed to escape in this manner; some relocated to a new position closer to the southern edge of the French Concession, near a water tower. This location offered even less protection than their previous one and quickly turned into a deadly encounter. Realizing they were losing, the Chinese troops fled toward the French sector, abandoning their equipment and weapons as they scrambled over barbed wire. The French commander commended their bravery and assured them they would not be returned to the Japanese. As the battle across Siccawei Creek drew to a close, victorious Japanese troops swept through the remaining unoccupied streets of Chinese Shanghai, eliminating the last pockets of resistance. Similar to previous encounters in Zhabei, defenders attempted to set fire to buildings to leave little for the occupying army. Thick smoke billowed over the district, limiting visibility, so onlookers in the French Concession relied on sound to gauge the battle's progress. As gunfire waned, cheers of “Banzai!” filled the air. At 3:34 pm, the Rising Sun flag was raised over the last Chinese stronghold in Nanshi, officially marking the end of the battle of Shanghai. In a city ravaged by war, the district of Zhabei became the epicenter of destruction, resembling a bleak lunar landscape. The area around the North Train Station was devastated, with gutted buildings standing like rugged cliffs and the asphalt roads marred by deep fissures resembling earthquake damage. As Chinese officials prepared to leave Shanghai for Nanjing, they tried to present a positive narrative about the battle, emphasizing that the sacrifices made were not in vain. Mayor Yu proclaimed that the lessons learned in Shanghai during the past 90 days could benefit the entire nation in the war against Japanese aggression, instilling confidence in the people that victory would eventually come. He spoke as if the war was over in Shanghai, which was true in a sense, as the major conflict had concluded. In late 1937, the Japanese believed they had achieved victory. On December 3, Matsui Iwane's army held a victory parade through the unoccupied International Settlement, a right they claimed as one of the governing powers. It was a serious miscalculation. Japanese civilians and ronin were recruited to act as rallying crowds, waving national flags, which triggered confrontations with foreign residents. The parade passed the Great World Amusement Center, where hundreds had died during "Black Saturday," prompting a Chinese man to leap from a building, declaring “Long Live China!” as he fell. As the parade continued down Nanjing Road, tensions grew among the accompanying police. Suddenly, a grenade was thrown from a window, injuring four Japanese soldiers and one British police officer. Matsui's veterans fanned out to apprehend the assailant, but it was a Chinese police officer who shot him dead. What was meant to be a triumph turned into a fiasco that confirmed the Japanese would struggle to secure even this small corner of China, let alone the vast territory of the country as a whole. The battle for Shanghai became the bloodiest international conflict in Asia since the Russo-Japanese War. By late October, the Japanese estimated that China had suffered 250,000 military losses in the fight for the city. In the months following the battle, Chinese sources reported casualties ranging from 187,200 to as high as 300,000. Regardless of the exact figure, the aftermath of the battle was catastrophic, severely impacting Chiang Kai-shek's best German-trained divisions. China faced a blow from which it would not recover until 1944, aided by significant American support. The high casualty rates stemmed from several factors. Many Chinese soldiers entered the battle expecting to sacrifice their lives, which led to a higher incidence of fatality due to their willingness to launch suicidal attacks against heavily fortified positions. Chinese tactics, which relied on numerical superiority to counter Japan's material advantages, essentially turned the conflict into a struggle of manpower against machinery. While this approach had a grim logic, it starkly contrasted with the reluctance of Chinese commanders to sacrifice valuable imported equipment. They were quick to expend their best divisions in intense fighting yet hesitated to utilize their key weaponry for fear of Japanese air raids. The elite 87th and 88th Divisions faced near depletion within days, while the Pudong artillery operated minimally over three months to avoid drawing enemy fire. One might question what Chiang Kai-shek achieved from such immense sacrifices. If his primary goal was to divert Japanese forces from the north, where they enjoyed easy victories, then the battle in Shanghai could be viewed as a success for China. As autumn 1937 progressed, Japanese commanders were increasingly forced to redirect their focus and resources to the more complex and tactically challenging terrain around Shanghai, where their technical superiority was less effective than on the northern plains. However, shifting the war to central China also posed risks, threatening the economic hub and political capital in Nanjing, ultimately resulting in a Japanese occupation that would last nearly eight years. If Chiang also wished to attract foreign attention, it is unclear how successful he was. The battle unfolded in front of thousands in the International Settlement and French Concession and garnered international media coverage, with many foreign correspondents arriving to report on the conflict. For three months, Shanghai dominated the front pages of major newspapers, and the Chinese effectively utilized propaganda to highlight events such as the desperate “Lost Battalions” fight in Zhabei. Yet, none of the major powers felt compelled to offer substantial support to China, and even the Brussels Conference failed to provide any useful assistance. Both Western powers and the Soviet Union were closely watching the conflict. Chiang hoped for Soviet support, and historical records suggest that Soviet diplomats encouraged him with vague assurances. China aimed to provoke Soviet entry into the war against Japan; however, the outcome may have been counterproductive. By engaging Japan, China effectively diminished the likelihood of a Japanese assault on the Soviet Union, as Japan needed to subdue China first. The Soviets eventually started providing material aid, including the arrival of nearly 300 Russian attack and bomber aircraft in mid-October, but this assistance was a poor substitute for a genuine ally. Additionally, while the Soviet Union emerged as a hesitant partner for China, China lost the substantial support it had previously received from Germany. The Germans played a crucial role in Shanghai during the 1937 conflict, with every major Chinese unit having at least one German advisor. Chiang Kai-shek's strategic decision to make a stand in Shanghai appears to have been significantly influenced by General Falkenhausen's opinions. Chiang had initially welcomed the German proposal to fight for Shanghai and was resolved to see it through, regardless of the cost to his troops. By 1938, German advisors began departing China, coinciding with the outbreak of war in Europe. Unfortunately, their experiences in China did not translate into lessons for their future military engagements, particularly regarding urban warfare, which might have been beneficial in battles such as Stalingrad during the winter of 1942–1943. Instead, they returned to more conventional military roles in Europe. Despite enduring the most suffering in and around Shanghai during 1937, the battle proved to be far more costly for the Japanese than their commanders had anticipated. By November 8, Japanese military casualties totaled 9,115 dead and 31,257 injured. Although the Japanese forces enjoyed overwhelming advantages in artillery and air power, they could not compensate for their leaders' consistent underestimation of Chinese resilience and fighting spirit. The flow of reinforcements was disorganized, leading General Matsui and his commanders to feel they never had enough troops to achieve a swift and decisive victory. As the Shanghai battle neared its conclusion, Matsui became increasingly confident that he could inflict a blow on Chiang Kai-shek from which he would never recover. In an interview with a German reporter in late October, Matsui stated that after capturing Shanghai, the Japanese Army would march on to Nanjing if necessary. He had a keen political sense and believed it better to act independently than wait for orders from Tokyo, declaring, "Everything that is happening here is taking place under my entire responsibility." Without an aggressive general like Matsui, it's questionable whether the Japanese would have proceeded to Nanjing. Initially, they focused on pursuing retreating Chinese forces, a sound tactical decision that did not imply an expansive strategy to advance to Nanjing. However, after another surprise amphibious landing on November 13 on the south bank of the Yangtze River, the Japanese commanders felt positioned to push for Nanjing and bring the war to a conclusive end. 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. Thus with that the battle for Shanghai, known to some as China's Stalingrad had come to a brutal end. Chiang Kai-Shek gambled the cream of his army to gain international sympathy for his nation, but had it worked? Japan was taking the northeast, and now with Shanghai conquered, the path to Nanjing and unimaginable horror remained.
I ran the numbers, and we may be running out of Bitcoin sooner than people thought. We go over these numbers and what you need to be doing about it (if it's not obvious) in Episode 216. Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits. We are not taking requests for episode topics at this time. Thank you for understanding.
Welcome to "In The Trenches with Dave Lapham," presented by First Star Logistics.[1] As the Cincinnati Bengals prepare to kick off their 2025 preseason, legendary Bengals offensive lineman and longtime broadcaster Dave Lapham joins Dave Berk to provide an in-depth preview of the first matchup against the Super Bowl champion Philadelphia Eagles. This episode is packed with expert analysis on key players, crucial position battles, and what fans should be watching for as the team begins its journey. Joe Burrow: A Talent Aging Like 'Fine Wine' A significant portion of the discussion is dedicated to the exceptional talent of quarterback Joe Burrow. Berk, who has watched Burrow since his high school days, offers unparalleled insight into his development. Lapham describes Burrow's continuous improvement as being "like a fine wine," noting that every year he gets better. This isn't just about natural talent; it's about a relentless work ethic and a profound understanding of the game. Lapham breaks down the nuances of Burrow's mechanics, his pinpoint accuracy, and his flawless footwork. He emphasizes that Burrow's ability to process defenses, both pre- and post-snap, is what truly sets him apart. According to Lapham, Burrow was "born and bred to throw a football," and his ability to place the ball exactly where it needs to be, with velocity, is a sight to behold. Berk and Lapham agree that the difference between Burrow and any other quarterback in camp is immediately obvious, highlighting his status as a truly elite, once-in-a-generation player. The Trenches: A 'Huge Battle' on the Offensive Line The conversation naturally shifts to the men tasked with protecting the franchise quarterback. Lapham identifies the interior offensive line, specifically the guard positions, as the most critical area to watch this preseason. He calls it a "huge battle" that could very well determine the success of the Bengals' entire season. The guards were a weak link last year, and the team has made a concerted effort to address this through the draft and free agency. A major focus is on rookie offensive lineman Dylan Fairchild from Georgia. Lapham is incredibly high on Fairchild, calling him one of the most "finished products" he's seen coming out of college in a long time. He praises Fairchild's technical skill, his powerful feet, and his hand usage. Having played in the highly competitive SEC and for a national championship-winning program, Fairchild has been tested against the best and understands what it takes to win. Lapham believes he is destined for an "outstanding career" and will likely start at guard for the Bengals. The development of depth at offensive tackle behind starters Orlando Brown Jr. and Amarius Mims is also a key storyline, as the long NFL season always tests a team's resilience. New-Look Defense and Key Players to Watch Under new defensive coordinator Al Golden, the Bengals' defense is another area of intense focus. While the preseason schemes will be "pretty vanilla," Lapham explains that the coaches will be evaluating individual performances, consistency, and accountability. Golden is instilling a culture of meticulous detail, ensuring every player understands not just their assignment, but how it fits into the broader defensive concept. The goal is to build a unit where teammates can trust each other to execute on every snap. The hosts also highlight specific players fans should keep an eye on, including Desmond Ritter, who is competing for a backup quarterback role, and the new, young linebackers who are expected to bring speed and energy to the field. Conversely, several key players are not expected to play in the first preseason game, including Dax Hill, B.J. Hill, Cam Taylor-Britt, and Mike Gesicki. "In The Trenches" is proudly presented by First Star Logistics, one of the fastest-growing companies in Cincinnati. They are expanding their brokerage department and looking for individuals seeking a fast-paced career in the logistics industry. Visit FirstStarLogistics.com to learn more about joining their team at one of the top places to work in the area. Don't forget to LIKE this video, SUBSCRIBE to the channel for more exclusive Bengals content, and SHARE it with fellow fans! Who Dey
The Torah in Parashat Vaet'hanan (4:2) introduces the prohibitions known as "Bal Tosif" and "Bal Tigra" – adding onto the Torah's laws, and detracting from the Torah's laws. Rashi explains that this refers to adding onto or detracting from a particular Misva. He gives the examples of wearing Tefillin with parchment containing more or fewer Parashiyot (sections of text) than the Torah requires. There are four Parashiyot which are to be inserted in the Tefillin, and if a person adds a fifth Parasha, then he transgresses the prohibition of "Bal Tosif," and if he includes only three Parashiyot, then he violates "Bal Tigra." Another example given by Rashi is waving more than four species on Sukkot, or fewer than four. The Ramban comments that the prohibition of "Bal Tosif" includes also introducing a new Misva to the Torah. If a person comes along and makes up a new law, claiming that this should be part of the Torah, he violates the prohibition of "Bal Tosif." Conversely, one who decides that a certain Biblical command is no longer part of the Torah transgresses "Bal Tigra." The Ramban clarifies that this applies only to one who introduces a new law and claims that it is obligatory as a Biblical imperative. The Sages enacted numerous obligations and prohibitions, but they made it very clear that these are not included in Torah, but are rather provisions that they saw fit to legislate to meet a particular need. And, they stipulated that the laws they enacted are treated differently than the laws of the Torah, with greater leniency. Thus, they do not violate the prohibition of "Bal Tosif." The Gaon of Vilna (1720-1797) brilliantly noted that both interpretations are correct, and rooted in the text of the Torah. The prohibition of "Bal Tosif" appears not only here, in Parashat Vaet'hanan, but also later, in Parashat Re'eh (13:1). However, the contexts of these verses reveals that they address two different commands. Here in Parashat Vaet'hanan, the command of "Bal Tosif" appears after Moshe tells the people, "Listen to the statutes and laws which I am teaching you to observe" (4:1). Moshe is telling Beneh Yisrael that he was going to present to them the Misvot, and he then warns them not to add more laws or to reject any of the laws that he was teaching them. In Parashat Re'eh, however, Moshe says, "Each thing that I am commanding you – you shall ensure to observe; do not add onto it, and do not detract from it." It seems clear that in this verse, Moshe speaks of each particular Misva, urging the people to observe every Misva precisely as he commands, without adding onto the Misva or taking anything away from it. The Ha'ketab Ve'ha'kabbala (Rav Yaakov Tzvi Mecklenberg, 1785-1865) follows this general approach of the Vilna Gaon, but he notes a different distinction between the two verses. The command here in Parashat Vaet'hanan is formulated in the plural form – "Lo Tosifu…Ve'lo Tigre'u" – whereas the command in Parashat Re'ei appears in the singular form – "Lo Tosef…Ve'lo Tigra." The Ha'ketab Ve'ha'kabbala thus suggests that here in Parashat Vaet'hanan, the Torah is addressing not an individual, but rather the Sanhedrin, the highest rabbinic body, which represents the entire nation. These scholars, the leading Sages of Israel, are the ones who need the warning not to change the Torah by introducing new laws or doing away with existing laws. In Parashat Re'eh, by contrast, the Torah is addressing the individual, who has no authority and would thus never think to introduce a new Misva, or eliminate a Misva. He needs the warning not to add onto or detract from specific Misvot, such as by adding an additional Parasha to the Tefillin or removing a Parasha. This command reminds us of the timelessness of the Torah, that at no point does it become "outdated" or in need of modification. Already from the outset, when the Torah was given, we are told that it and all its commands are eternal and eternally binding. Today's world is, of course, very different from the world at the time of Matan Torah, and the changing circumstances may affect the practical application of certain Misvot, based on the details of each Misva's requirements as determined by our oral halachic tradition. But never can we say that a Misva is no longer binding simply by virtue of the fact that many centuries have passed since the Torah was given. Each and every Misva is eternally relevant, and we are bound to all the Misvot no less now than our ancestors were millennia ago.
Last time we spoke about the Siege of Japan. In the summer of 1945, Japan faced its most devastating siege. A pivotal component was the aerial mining campaign entitled "Starvation," masterminded by General Curtis LeMay. B-29 Superfortress bombers were deployed to lay mines in critical waterways, cutting off resources and crippling Japan's industrial capabilities. This silent assault inflicted chaos on Japan's shipping lanes, sinking over 670 vessels and significantly disrupting supply lines. Amid this turmoil, the Allies intensified their firebombing campaigns, targeting urban centers like Tokyo, Osaka, and Kobe, leading to extensive devastation and loss of life. By August, Japan's civilian and military morale crumbled under the weight of destruction. The climax of this siege came with the atomic bombing of Hiroshima, which unleashed unparalleled destruction. As Japan's leadership struggled for options, the nation was effectively brought to its knees. The relentless siege had achieved its goal, Japan was irrevocably broken, marking a profound moment in history. This episode is the Atomic Bombing of Nagasaki Welcome to the Pacific War Podcast Week by Week, 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 world war two? Kings and Generals have an assortment of episodes on world war two 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 you can find a few videos all the way from the Opium Wars of the 1800's until the end of the Pacific War in 1945. Hello there, again like in the previous episode, this one is just going to state what happened, I am not going to delve into the why's just yet. I am currently writing an entire special episode on why exactly Japan surrendered, focused on the actions of Emperor Hirohito, who I will argue prolonged the 15 year war to protect the Kokutai. So a bit of a spoiler there I guess. The worst has come to pass for the Japanese Empire. An atomic bomb has fallen, devastating an entire city. In a blinding flash, over 140,000 lives were lost or forever altered. But this was merely the beginning. The Americans were poised to unleash destruction from the skies, a scale of devastation never before witnessed on this planet. The choices were grim: surrender or complete annihilation.The Japanese faced not only this overwhelming threat but also another peril. The Soviet Union prepared to invade Manchuria and other crucial territories within its reach. As we last left off, the Americans had been conducting a prolonged and devastating air and naval siege of the Japanese Home Islands in preparation for the invasion of Kyushu. This campaign culminated in the atomic bombing of Hiroshima on August 6, reducing the once-great city to ruins and leaving a staggering casualty toll that would forever haunt the Japanese people. Survivor accounts recount the haunting experience of wandering through the destruction, disoriented and unsure of where to go. They spoke of hearing the desperate cries of those trapped beneath crushed buildings or suffering from horrific burns. As small fires ignited by the blast began to spread, they coalesced into a firestorm that surged through the rubble, claiming the lives of many still trapped inside. Frightened residents jumped into the rivers of Hiroshima, only to drown in their desperate attempts to escape the flames. Over 90% of the doctors and 93% of the nurses in Hiroshima perished or were injured, and most hospitals were either destroyed or heavily damaged. By early afternoon, police and volunteers worked tirelessly to establish evacuation centers at hospitals, schools, and tram stations. Yet, tragically, many would die before receiving aid, leaving behind grim rings of corpses around these facilities. Some survivors who initially appeared unharmed would succumb within hours or days to what would later be identified as radiation sickness. Most members of General Hata's 2nd General Army headquarters were undergoing physical training on the grounds of Hiroshima Castle, barely 900 yards from the hypocenter. As a result, 3,243 troops lost their lives on the parade ground. Miraculously, Hata himself survived the explosion with only minor injuries, but many of his staff were not so fortunate, including Lieutenant-Colonel Yi U, a prince of the Korean imperial family, who was killed or fatally wounded. In total, the 2nd General Army, 59th Army, 5th Division, and other combat units in the city lost an estimated 20,000 troops. Survivors regrouped at the Ujina Air Base on the outskirts of Hiroshima, where they organized relief efforts and maintained public order once martial law was declared. With Mayor Awaya Senkichi killed at the mayoral residence, Hata assumed control of the city's administration and coordinated relief efforts. The initial reaction of the Japanese government to the devastation in Hiroshima was mixed. The Imperial Japanese Army and Imperial Japanese Navy military leadership received only fragmentary reports about the tragedy, as communications with Hiroshima had been severed. Meanwhile, American and British radio broadcasts promptly informed ordinary Japanese civilians and their government about the atomic bomb attack on August 7. The following day, Tokyo issued a press release confirming the bombing of Hiroshima, but it notably did not state that the United States had dropped an atomic weapon. After technical teams visited the site of the bombing, they concluded that the enemy B-29s had indeed used a nuclear device. At this juncture, the diplomatic situation within Japan was chaotic. Many members of the Japanese cabinet believed that surrender was the only viable option, while others, particularly military figures like Hata, were determined to continue the fight. Looking back, between July 17 and August 2, Soviet leader Joseph Stalin, British Prime Minister Winston Churchill, and U.S. President Harry Truman convened in Potsdam to negotiate terms for the end of World War II. The Potsdam Conference is perhaps best known for President Truman's conversation with Soviet leader Joseph Stalin on July 24, during which Truman informed Stalin that the United States had successfully detonated the first atomic bomb on July 16. Prior to leaving for the conference, a top-level civilian Interim Committee, led by Secretary of War Henry Stimson, suggested that Truman inform Stalin about America's new nuclear capability. This was intended to prevent the Soviets from learning about the bomb through leaked information, and Truman agreed to share this news. Historians have often interpreted Truman's somewhat firm stance during negotiations as a reflection of the U.S. negotiating team's belief that their nuclear capability would enhance their bargaining power. However, Stalin was already well-informed about the American nuclear program, courtesy of the Soviet intelligence network. This understanding enabled him to hold firm in his positions, complicating the negotiations. In the end, the leaders of the United States, Great Britain, and the Soviet Union, despite their differences, remained allied throughout the war. However, they would never meet again collectively to discuss cooperation in postwar reconstruction. One of the critical topics discussed was how to handle Japan. During the conference, Truman sought and received Stalin's final assurance of entering the war on August 9, in accordance with the agreements made among the Allies during the Yalta Conference in February 1945. On April 5, Soviet Foreign Minister Vyacheslav Molotov informed Tokyo of the Soviet Union's unilateral abrogation of the Soviet-Japanese Neutrality Pact. He assured Japan that the treaty would remain in effect until April 1946, even though the Soviets were already planning an offensive in the Far East. A Soviet invasion would prove beneficial for the Americans, as it could prevent the movement of hostile troops from Manchuria, Korea, and North China to the Home Islands of Japan before an invasion of Kyushu was launched. On July 26, the United States, Great Britain, and China released a declaration demanding Japan's immediate surrender. The declaration called for the dismemberment of Japan's remaining empire, the demobilization of all military forces, trials for war criminals, and the elimination of Japan's capacity for future belligerence. While the declaration did not alter the requirement for unconditional surrender, critically it left ambiguous how the Japanese people might shape their future government, as it did not specify a direct end to or continuation of the imperial dynasty. The crux of that matter was the preservation of the Kokutai. The Kokutai was the national essence of Japan. It was all aspects of Japanese polity, derived from history, tradition and customs all focused around the cult of the Emperor. The government run by politicians was secondary, at any given time the kokutai was the belief the Emperor could come in and directly rule. If you are confused, dont worry, I am too haha. Its confusing. The Meiji constitution was extremely ambiguous. It dictated a form of constitutional monarchy with the kokutai sovereign emperor and the “seitai” that being the actual government. Basically on paper the government runs things, but the feeling of the Japanese people was that the wishes of the emperor should be followed. Thus the kokutai was like an extra-judicial structure built into the constitution without real legal framework, its a nightmare I know. Let me make an example, most of you are American I imagine. Your congress and senate actually run the country, wink wink lets forget about lobbyists from raytheon. The president does not have executive powers to override any and all things, but what if all American voters simply felt he did. So the president goes above his jurisdiction, and the American people violently attack Congress and the Senate if they don't abide by the president's wishes. That's kind of how it works for a lack of better words. Again in the specials I will roll out soon, it will make more sense after I blabber about it in roughly 7000 words. Now, in response, Prime Minister Suzuki Kantaro expressed to the Japanese press on July 29 his belief that the Potsdam Declaration was nothing new and held no "significant value." This statement was interpreted by Truman and his administration as a rejection of the declaration. In reality, since the Yalta Conference, Japan had repeatedly approached the Soviet Union in an attempt to extend the Neutrality Pact and to enlist the Russians in negotiating peace with the Allies, offering attractive territorial concessions in return. The Japanese, therefore, chose not to officially respond to the Potsdam Declaration as they awaited a reply from the Soviet Union. However, this response never materialized. The Soviet Union was preparing for an invasion of Manchuria, fully aware that Japan had become a weakened nation after suffering several defeats in the Pacific. In contrast, the once-inadequate Russian military had transformed into one of the strongest forces of the time. They had successfully absorbed powerful German offensives in 1941, 1942, and 1943, and rebounded with their own offensives in 1944 and 1945, ultimately crushing the military might of Nazi Germany. Motivated by Allied requests for support and the desire to solidify the Soviet Union's post-war position in the Far East, Soviet leaders began planning in March for a final campaign to reclaim Manchuria, northern Korea, southern Sakhalin, and the Kuril Islands from Japan. However, most Soviet troops were stationed more than 10,000 kilometers away in Europe. As a result, forces and equipment designated for deployment to Manchuria had to be transported along a fragile and limited-capacity network over a five-month period from April to August. Initially, they stockpiled equipment in the Far East to re-equip units already present in that region. Then, a massive regrouping of forces to the east commenced in May, with units still arriving even as the campaign opened in August. This shift, involving nearly one million men, effectively doubled the strength of Soviet forces in the Far East from forty to more than eighty divisions. Opposing Valisevsky's Far East Command was General Yamada Otozo's Kwantung Army, along with its Manchukuoan and Inner Mongolian auxiliaries. Once the most prestigious and powerful unit of the Imperial Japanese Army, the Kwantung Army had significantly eroded in strength and quality over the past few years due to the diversion of its main assets to other theaters. Consequently, many experienced units were siphoned off and replaced by formations made up of draft levies, reservists, and smaller, cannibalized units. By August, the Kwantung Army consisted of General Kita Seiichi's 1st Area Army in eastern Manchuria, which included the 3rd and 5th Armies, alongside two divisions under direct area army control. General Ushiroku Jun commanded the 3rd Area Army in central and western Manchuria, encompassing the 30th and 44th Armies, plus two divisions, three independent mixed brigades, and one independent tank brigade under his direct command. In northern Manchuria, Lieutenant-General Uemura Mikio led the 4th Army, which was composed of three divisions and four independent mixed brigades. Additionally, the army of Manchukuo contributed eight infantry and seven cavalry divisions, along with fourteen brigades of infantry and cavalry. Mengjiang added six cavalry formations and other garrison forces from Inner Mongolia. Furthermore, Lieutenant-General Kozuki Yoshio's 17th Area Army was stationed in central and southern Korea, totaling seven divisions and three independent mixed brigades. In northern Korea, Lieutenant-General Kushibuchi Senichi's 34th Army consisted of two divisions and one independent mixed brigade. Recognizing that his forces lacked adequate training and equipment, Yamada's plans called for a delay at the borders, followed by a defense consisting of successive positions culminating in a final stand at a stronghold constructed in the Tunghua area. This strategy would see roughly one-third of the Japanese forces deployed in the border region, while the remaining two-thirds would be concentrated in operational depth to create a series of defensive lines. By July 25, Soviet force deployments to the Far East were virtually complete. The Soviets meticulously tailored all military units, from the front level down to army, corps, division, brigade, and battalion, to effectively achieve specific missions. This tailoring took into account not only the strength and dispositions of enemy forces but also the terrain where the unit would operate and the desired speed of the operation. Each unit was equipped with the necessary artillery, anti-tank, tank, air defense, and engineer support. For instance, the 1st Far Eastern Front received heavy artillery attachments to provide the firepower needed to breach heavily fortified Japanese positions. In contrast, the Transbaikal Front was given heavy vehicular and motorized rifle support, enabling it to conduct rapid, balanced combined arms operations across the broad expanses of western Manchuria and Inner Mongolia. Within each front, armies assigned to assault strong enemy fortified zones had significantly more artillery assets compared to those operating on open axes of advance. Units deployed in difficult terrain were afforded extensive engineer support to facilitate their operations. At the lowest tactical levels, specially tailored forward detachments from rifle divisions and tank and mechanized corps, alongside assault groups from rifle regiments and battalions, ensured the firepower and mobility necessary to execute high-speed operations. However, the final decision to attack would not be made until August 7, when Vasilevsky committed the Transbaikal and 1st Far Eastern Fronts to a simultaneous assault scheduled for August 9. It is believed that the detonation of the atomic bomb the previous day prompted this hasty decision, resulting in the short two-day period between the decision and the planned attack. Vasilevsky's strategy called for a double envelopment conducted by Soviet forces along three axes to secure Manchuria and destroy a significant portion of the Kwantung Army. The Transbaikal Front was tasked with attacking eastward into western Manchuria, while the 1st Far Eastern Front would move westward into eastern Manchuria. Both offensives were to converge in the Mukden, Changchun, Harbin, and Kirin areas of south-central Manchuria. Meanwhile, the 2nd Far Eastern Front would conduct a supporting attack into northern Manchuria, driving southward toward Harbin and Tsitsihar. Moreover, the timing of on-order operations against southern Sakhalin and the Kuriles would depend on the progress of these main attacks. For the western pincer, Malinovsky's plan involved the 17th and 39th Armies and the 6th Guards Tank Army, followed by the 53rd Army, launching the primary assault. Their objective was to bypass the Halung-Arshaan Fortified Region to the south and advance toward Changchun. The success of the Transbaikal Front operation hinged on speed, surprise, and the deployment of mobile forces across virtually every sector, aiming to preempt effective Japanese defenses. To achieve this swiftness and surprise, tank formations were positioned in the first echelon of units at all command levels. The operation required tank-heavy forward detachments at each command level, with the 6th Guards Tank Army designated to spearhead the front's efforts. A tank division would lead the advance of the 39th Army, supported by tank brigades assigned to the first-echelon corps and divisions. Planned rates of advance were ambitious: 23 kilometers per day for combined arms units and an impressive 70 kilometers for tank units. However, the operation involved significant risks. If Japanese units responded quickly to the Soviet attack, or if even nominal forces occupied strategic positions in the Grand Khingan mountain passes, the Soviet advance could be severely hampered. Additionally, the success of the operation relied heavily on logistical units' capability to supply these fast-moving formations deep into Manchuria. Despite these challenges, the Soviets confidently accepted the risks involved. Their mission was to crush the enemy in the border regions, cross the Grand Khingan Mountains, and occupy positions in the central Manchurian plain from Lupei to Solun by the tenth to fifteenth day of the operation.In support, the Soviet-Mongolian Cavalry-Mechanized Group was to attack across the Inner Mongolian desert and southern Grand Khingan Mountains toward Kalgan and Dolonnor. Simultaneously, the 36th Army was set to advance from Duroy and Staro-Tsurukaytuy across the Argun River to secure Hailar. In the next phase, for the second pincer, Meretskov's plan involved the 1st Red Banner Army, the 5th Army, and the 10th Mechanized Corps launching the main attack from the Grodekova area, located northwest of Vladivostok. Their objective was to advance toward Mutanchiang to exploit and secure the Kirin, Changchun, and Harbin regions, while coordinating with Soviet forces from the Transbaikal Front. Additionally, the 35th Army was tasked with attacking from the Lesozavodsk-Iman area, north of Lake Khanka, to capture Mishan, Linkou, and Poli. Meanwhile, the 25th Army would launch an offensive from northwest of Ussurysk to secure the Tungning, Wangching, and Yenchi areas. Once the 1st Far Eastern and Transbaikal Fronts converged in the Changchun area, they would advance together to eliminate the final Japanese resistance on the Liaotung Peninsula and secure the strategic naval base at Port Arthur. Furthermore, Purkayev's 2nd Far Eastern Front was to advance on a broad front across the Amur and Ussuri rivers, extending from Blagoveshchensk to south of Khabarovsk. This movement aimed to exert maximum pressure on Japanese forces in northern Manchuria. The 15th Army would spearhead the main attack across the Amur River in the Leninskoye area, advancing southward into the regions around the Sungari and Ruhe rivers. In support, the 2nd Red Banner Army was designated to attack across the Amur River from the Blagoveshchensk area to Sunwu and then advance southward to Tsitsihar. The 5th Rifle Corps would also be involved, attacking from Bikin to secure Paoching and Poli. This multifront operational plan aimed for the complete destruction of Kwantung Army units in Manchuria with maximum speed, effectively cutting off Japanese troops from reinforcements coming from northern China or Korea. These relentless mobile attacks, deployed across the broadest of fronts, were designed to prevent the Japanese from reallocating forces, leading to their ultimate collapse and piecemeal defeat. As planned, the Japanese were caught completely by surprise when they received the Soviet declaration of war just an hour before midnight on August 8. At the same time, they were facing a critical decision in response to the recent bombing of Hiroshima. After learning about the success of Colonel Tibbets' mission, President Truman released a pre-approved statement that detailed the atomic bomb's destructive capabilities and warned that if Japan did not accept the Potsdam Declaration, "they may expect a rain of ruin from the air, the like of which has never been seen on this earth." Although Truman had only the plutonium Fat Man device remaining for use, he had been informed that a third bomb might be ready sometime in August. Among American military leaders, including Admiral Nimitz and Generals Spaatz, LeMay, and Twining, there was a belief that this third nuclear weapon should be dropped on Tokyo if Japan did not surrender. Conversely, some Japanese senior officials, like Admiral Toyoda, speculated that even if the Allies had used an atomic bomb, they likely would not have many more at their disposal. They argued that the Japanese people should be prepared to defend their home islands to the death if favorable terms of surrender could not be secured. However, on August 8, Prime Minister Suzuki instructed Foreign Minister Togo Shigenori, who advocated for negotiating with the United States, to inform Emperor Hirohito about the devastation caused by the atomic bomb in Hiroshima. Hirohito responded by authorizing foreign minister Togo to notify the world on August 10th that Japan would accept the allied terms of surrender with one condition “that the said declaration does not comprise any demand which prejudices the prerogatives of His Majesty as a Sovereign Ruler.” In the meantime, to increase pressure on the Japanese, Twinning launched additional conventional B-29 raids. A total of 412 B-29s targeted the Nakajima aircraft plant in Musashino during a daylight attack on August 8. However, the United States also needed to demonstrate to the Japanese government and people that Little Boy was not just an isolated experimental device. As a result, a decision was made to drop the Fat Man plutonium bomb on either the primary target of Kokura or the secondary target of Nagasaki, with this mission scheduled for August 9. For this operation, Tibbets selected Major Charles Sweeney to pilot the B-29 named Bockscar and deliver the device. The leading B-29 would decide the ultimate target based on weather reports from two reconnaissance B-29s, followed by two additional aircraft assigned to scientific and photographic missions. To prepare for takeoff, the bomb was armed by installing three plugs. At 03:49 on August 9, Sweeney departed from Tinian, heading toward Yakushima Island to rendezvous with his escorts. The mission began with complications that only escalated. A typhoon near Iwo Jima forced mission planners to relocate the planned rendezvous between Bockscar and her escorts to Yakushima, an island south of Kyushu. Sweeney took off at 03:49 on August 9 and headed north, but strong headwinds hindered her progress toward Yakushima. A further issue arose when a photographic specialist assigned to the support aircraft Full House was barred from flying due to forgetting his parachute. Consequently, Major Hopkins on Full House had to break radio silence to seek instructions on operating the camera. However, a more critical situation was uncovered when Commander Ashworth and his assistant discovered that an indicator was showing that Fat Man's electronic fusing circuits had closed, indicating that arming was complete. A faulty switch, with incorrectly installed wiring, posed the risk of a premature explosion. As the mission continued over Yakushima, Sweeney successfully met up with Captain Bock, piloting the scientific support B-29, but failed to rendezvous with Major Hopkins. This meant that Bockscar would only have The Great Artiste to accompany it for the final leg of its mission. According to Ashworth's log, they arrived at the rendezvous point at 09:00 and saw Bock at 09:20, while Full House waited south of the arranged position. Sweeney had initially agreed to circle Yakushima for only 15 minutes; however, he ended up waiting approximately 50 minutes for Hopkins to arrive, wasting precious fuel in the process. Due to the weather conditions, Hopkins had lost visual contact with the other B-29s and had to break radio silence again to locate Bockscar, but Sweeney did not respond. Despite reports indicating 30% cloud cover over Kokura, Sweeney chose to proceed there, believing the haze over the city would clear. Bockscar arrived at the initial start point for the bomb run over Kokura at 10:44, but unfortunately, heavy cloud cover had settled over the city, preventing a successful bomb delivery. After three unsuccessful bomb runs, which consumed an additional 45 minutes of fuel, a flight engineer discovered that a fuel pump had malfunctioned, trapping 600 gallons of fuel in the auxiliary bomb bay fuel tanks. Despite fuel concerns, Sweeney chose to proceed with the mission, heading south and then east toward Nagasaki, which he reached at 11:50. Unfortunately, the weather there was as poor as it had been at Kokura, prompting Sweeney to make the controversial decision to drop Fat Man using radar guidance. Due to the fuel shortage, he only conducted a single bomb run. Just before initiating the radar approach, a hole in the clouds opened, revealing the aim point: the Mitsubishi Steel and Arms Works located on the Urakami River. Fat Man was dropped at 11:58 and detonated approximately 1,650 feet above the target after a 50-second descent. Initial reports indicated that the explosion occurred about 500 yards north of the Mitsubishi plant and roughly 0.8 miles south of another Mitsubishi facility. While Fat Man had a more powerful detonation, the damage and casualties were not as extensive as those caused by the lower-yield Little Boy. The topography of Nagasaki, surrounded by hills, confined the explosion to the bowl-shaped center of the city, in stark contrast to Hiroshima's relatively flat landscape. Of the 7,500 Japanese employees at the Mitsubishi plant, 6,200 were killed, with an additional 17,000 to 22,000 employees at other war plants and factories also perishing. Unlike Hiroshima, where the military death toll was high, only about 150 Japanese soldiers were killed instantly, alongside at least 8 prisoners of war. Overall, it is estimated that around 45,000 civilians lost their lives due to the explosion, with between 50,000 and 60,000 sustaining injuries. The radius of total destruction extended about one mile, with fires spreading across the northern portion of the city to two miles south of the impact point. Thankfully, no firestorm developed as it had in Hiroshima. Bomb damage to physical structures in Nagasaki was erratic. Some areas, such as the Nagasaki Arsenal and the Mitsubishi plant, experienced significant destruction, while nearby locations appeared almost untouched. Despite this, Sweeney's mission resulted in an estimated 68.3% loss of pre-existing industrial production, excluding the harbor facilities, without disrupting the critical north-south National Railway track. While Fat Man's debut was historic, its destructive capability was comparable to other B-29 incendiary night raids. After circling Fat Man's expanding mushroom cloud, Sweeney headed toward Okinawa at 12:05, with only 300 gallons of fuel remaining. Fortunately, Bockscar's crew managed to return to Yontan Field with just seven gallons of fuel left, successfully making their way back to Tinian later that same day. Simultaneously, Vasilevsky's Far East Command began its offensive just ten minutes after midnight on August 9. Reconnaissance units, forward detachments, and advanced guard units of the Transbaikal Front crossed the border into Inner Mongolia and Manchuria. Initially, attacking units faced resistance primarily in the 36th Army zone, where their attack routes passed through fortified Japanese border installations. However, most assault units advanced with little opposition. By 04:30, main force units had begun to follow closely behind the assault troops. Colonel-General Issa Pliyev's Soviet-Mongolian Cavalry-Mechanized Group advanced in two march columns, 200 kilometers apart. By nightfall, they had penetrated 55 miles into the arid expanses of Inner Mongolia, moving southward toward Dolonnor and Kalgan while sweeping aside small detachments of Inner Mongolian cavalry. Meanwhile, Lieutenant-General Aleksei Danilov's 17th Army entered Inner Mongolia virtually unopposed in two columns, advancing approximately 70 kilometers by nightfall. To the left, Colonel-General Andrey Kravchenko's 6th Guards Tank Army led the main attack into Inner Mongolia in two columns, encountering limited opposition and rapidly advancing about 150 kilometers until reaching the foothills of the Grand Khingan Mountains, west and north of Khorokhon Pass, by nightfall. Simultaneously, Colonel-General Ivan Lyudnikov's 39th Army advanced along two divergent axes. The 5th Guards and 113th Rifle Corps gained 60 kilometers as they bypassed the Halung-Arshaan and Wuchakou Fortified Regions to the south. Meanwhile, the 94th Rifle Corps struck northeast towards the rear of the Hailar Fortified Region, swiftly overcoming light resistance. The 124th Rifle Division was also deployed between both axes to probe toward the Halung-Arshaan Fortified Region. Lieutenant-General Alexander Luchinsky's 36th Army advanced on two fronts, with the 2nd and 86th Rifle Corps successfully crossing the rain-swollen Argun River between Staro-Tsurukhaytuy and Duroy and securing key bridges north of Hailar. Additionally, an operational group of two rifle divisions attacked across the border, establishing a foothold in the small fortified post at Manchouli. During the night, Luchinsky sent the 205th Tank Brigade to assault Hailar from the northeast, while the 152nd Rifle Regiment maneuvered to attack from the southeast. This offensive succeeded only in capturing the railroad station in the northern part of Hailar, as the southern and eastern sections of the city fell the following day. However, the 80th Independent Mixed Brigade continued to delay the Soviet advance, while the 119th Division moved eastward to fortify positions in the Grand Khingan Mountains, stretching from Yakoshih to Pokotu. Despite these setbacks, the 36th Army had advanced 60 kilometers into Manchuria and had partially secured Hailar. Meanwhile, to the east, drenched by inundating thunderstorms, the 1st Far Eastern Front advanced under the worst weather conditions during the dark of night. This totally surprised the Japanese defenders and led to the rapid reduction of many unsuspecting border posts. Colonel-General Nikolay Krylov's 5th Army spearheaded the main attack, with the 17th, 65th, and 72nd Rifle Corps quickly breaking through the Volynsk center of resistance. They achieved a penetration of 16 to 22 kilometers toward Laotsaiying and Machiacho. Meanwhile, the 105th Fortified Region and assault engineer units attacked the Suifenho center of resistance, successfully seizing critical railroad tunnels on the main rail line into Manchuria. In support, Colonel-General Afanasy Beloborodov's 1st Red Banner Army to the north launched an assault with the 26th and 59th Rifle Corps over a 16-kilometer sector through heavily wooded, wet terrain. As they advanced, they constructed roads through the forest. By nightfall, forward divisional elements had advanced five to six kilometers deep into Manchuria, crossing the Shitouho River and half of the forested region. At the same time, the 6th Field Fortified Region and the 112th Fortified Region stormed several Japanese border positions and slowly advanced north towards Mishan. This assault supported Lieutenant-General Nikanor Zakhvatayev's 35th Army, which deployed the 66th and 363rd Rifle Divisions to cross the Sungacha River and attack towards Mishan. The 264th Rifle Division and the 109th Fortified Region assaulted across the Ussuri River against Hutou. After securing a crossing over the Sungacha, the 66th Division penetrated deep into the swamps, managing to advance 12 kilometers into Tachiao. Meanwhile, the 363rd Division successfully broke through an enemy strongpoint at Maly Huankang, ultimately reaching the southwest edge of Tachiao. In turn, the 264th Division crossed the Ussuri River and outflanked Hutou to the south, capturing the railroad depot and cutting the highway to Hulin. Lastly, Colonel-General Ivan Chistyakov's 25th Army launched an attack along two principal axes. The 39th Rifle Corps and the 259th Tank Brigade targeted Tungning, while border guard units, along with the 108th and 113th Fortified Regions, crossed the Hunchun and Tumen rivers to engage Japanese defenses in Korea and at Hunchun. Shielded by rain, the Russians swiftly captured or subdued the Japanese forward defenses along the front. By nightfall, the 39th Rifle Corps had advanced ten to twelve kilometers into the Japanese rear along the Pad Sennaya River. Lead elements, reinforced by the 72nd Tank Brigade, began their assault on the town of Tungning and the vital railroad line to Tumen. To the north, the 2nd Far Eastern Front deployed its forces across three separate sectors. Lieutenant-General Stepan Mamonov's 15th Army was tasked with the main attack across the Amur River in the center of the front sector. Lieutenant-General Makar Teryokhin's 2nd Red Banner Army was assigned to conduct a supporting attack against the Aihun and Sunwu Fortified Regions, while Major-General Ivan Pashkov's 5th Rifle Corps aimed to seize the fortified region at Jaoho. Supported by the Amur Naval Flotilla, reconnaissance and advanced detachments of the 15th Army launched assaults without artillery preparation and rapidly secured major islands in the Amur River. Mamonov's rifle divisions then sent reconnaissance units across to the south bank of the river, which was likewise secured against light opposition. Throughout the remainder of the day, reconnaissance units and advanced battalions of the 15th Army consolidated their positions on the islands and the south bank, while main forces concentrated on conducting a challenging river crossing, hampered by heavy rains, high water, and mud. At the same time, assault units and reconnaissance detachments of the 5th Rifle Corps crossed the Ussuri River, successfully securing a beachhead north of Jaoho while the remainder of the corps was transported across the river. From August 9 to 11, the forces of the 2nd Red Banner Army limited their activities to reconnaissance, focusing on seizing islands in the Amur River and harassing Japanese installations. This operation occurred at a critical moment for the Japanese, who were still reeling from the impacts of two atomic bombings. The Soviet Union had successfully initiated its invasion of Manchuria, setting the stage for a campaign that, although brief, was just beginning. 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. Two atomic bombs have been dropped and the Soviet Union has invaded Manchuria. For months the Japanese had been working tirelessly to obtain better peace terms through the Soviets, hoping above all else to preserve the Kokutai. It was all for nothing. The Americans offered terms, leaving the Kokutai ambiguous. What would Japan, or better said, the Emperor do?
God help you if you miss this one. AI isn't going away, it's only going to get more prominent in our everyday lives. But it's going to need a lot of "things" to make it work and scale. If you can identify those "things", those critical components which go into AI, you will make a LOT of money over the next 5, 10, 15 years. In part 2 of 2 in our AI series, VP points out exactly what those very "things" are likely to be. Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits. We are not taking requests for episode topics at this time. Thank you for understanding.
Get ready for a literary hungama unlike any other! PerryFlix is thrilled to announce the super launch of its groundbreaking "PerryFlix Short Stories" book series, pioneering didactic tales crafted in Hinglish! These stories are designed for both international learners struggling with initial Hindi, and native speakers seeking what sounds most practical in everyday conversation [Conversation History]. This venture, featuring acclaimed author Jimmy Mello's journey into India's linguistic landscape, marks the "birth of a language" [Conversation History], a natural yet forged evolution over years.So, what exactly is Hinglish? It's a dynamic and vibrant linguistic blend [Conversation History, 74]. In Britain, Hinglish refers to the use of specific South Asian words—especially Hindi, Urdu, or Punjabi—within a predominantly English sentence. Conversely, in India, it's often the reverse: English words woven into predominantly Hindi, Urdu, or Punjabi sentences. This unique fusion is already spoken by millions and encapsulates the heart and akal (common sense) of South Asian culture.Our new "PerryFlix Short Stories" series leverages this blend to offer an immersive and accessible experience. You'll find narratives that flow seamlessly between English and South Asian terms, giving you a genuine feel for contemporary communication. For example, in Anubhav Agarwal's Why Not Me? A feeling of millions (Hinglish Version), you see phrases like:"Zindagi! Ek sahi alfaaz hai apne bachpan ke dino ko bayaan karne ke liye" (Life! A correct word to describe the days of childhood)."Maine aadhi se zyada school life 'Boy's school' mein bita di thi, sirf 2 saal bache the" (I spent more than half my school life in a 'Boy's school,' only 2 years were left)."Mujhe pata tha milna na milna kismat hai, par ye ehsaas hona, ki wo aur main dono ek hi sheher mein hain, bilkul waisa ehsaas tha jaise wo aur main dono ek hi ghar mein hain" (I knew meeting or not meeting was fate, but feeling that she and I were in the same city was exactly like feeling that she and I were in the same house).This blending adds unique flavour and emotional depth to the narrative [Conversation History], allowing for a richer understanding of cultural nuances.Here are just a few examples of the rich vocabulary you'll encounter in "PerryFlix Short Stories," explained with their context, much like in "The Queen's Hinglish":Expressions of Emotion & Affection:Aish (pleasurable activity): "I just did aish at school."Izzat (honor, respect): "How can I insult her izzat when she had none in the first place?"Jaan (life/dear one): Often suffixed to Ammi or Abba (mother/father) to convey greater affection, e.g., "Abba-jaan, would you give me a lift?".Cultural & Social Concepts:Aadat (custom; habit): "I hope he doesn't make it his aadat."Badmash (hooligan/rascal): "That friend of yours is a good-for-nothing badmash."Bevakoof (fool): "Honestly, that boy is such a bevakoof."Chalaak (sly/crafty).Dosti (friendship): "Punjabi dosti could hold the key to better relations."Pukka (properly/perfectly done, genuine, or excellent): "That's a pukka road they've laid down."Everyday Life:Chai (tea): "All this chai is boiled with condensed milk."Chowk (marketplace).Colony (apartment complex).Mithai (South Asian sweet).Interjections & Responses:Arre! (calling attention).Bas! (enough).Haina? (isn't it?): Used to ascertain agreement.Haan (yes) / Nahi (no).Jaldi-jaldi! (go faster!).Namaste (salutation used for greeting and goodbye).Shabash! (well done!).Shukriya (thank you).Vaah vaah! (admiration).Yaar (friend).Join us on this exciting journey into the heart of language! PerryFlix Short Stories in Hinglish are your ticket to unlocking a deeper connection with South Asian culture and its unique way of expression. It's like discovering a secret language that millions already speak – ready to bring a new dhamaal (excitement) to your literary world!
Want to know what drives me? Jump on my email list and find out (and exit anytime you want). CLICK HERE In this episode of Wisdom's Table, I dive deep into the complexities of the problems, obstacles, and challenges we face in our lives and businesses. I aim to help you discern whether these issues stem from spiritual warfare or if they are structural in nature—meaning they require practical solutions rather than spiritual intervention. I start by sharing a personal anecdote from a recent dinner conversation where a friend suggested that a challenge we were facing in an organization was spiritual. I challenged that notion, asserting that many times, we attribute our struggles to spiritual warfare when, in reality, they are rooted in our leadership skills or structural issues within our organizations. This mislabeling can lead us to abdicate our responsibility for finding solutions, allowing problems to fester and grow. Throughout the episode, I outline four key steps to assess and address the challenges you may be facing: Assess the Problem: I emphasize the importance of deep self-awareness and honesty in identifying the root causes of our challenges. This involves asking tough questions about our contributions to the issues at hand and recognizing our blind spots. Recap Past Solutions: Here, I encourage listeners to reflect on previous attempts to solve the problem. Understanding what has or hasn't worked in the past is crucial for moving forward effectively. Identify Hidden Mindsets: I discuss how our subconscious beliefs can drive our actions and decisions, often without our awareness. By identifying these mindsets, we can better understand how they may be interfering with our ability to solve problems. Create the Solution: Finally, I guide you on how to synthesize the insights gained from the previous steps and take them to the Holy Spirit for direction. This step is about aligning our solutions with God's guidance, ensuring that we are not just reacting out of fear or insecurity. I also touch on the importance of recognizing that some challenges require time and thoughtful consideration rather than impulsive decisions. Leadership and business ownership are skills that can be developed, and understanding our strengths and weaknesses is key to growth. As we wrap up, I invite you to reflect on your current challenges and consider whether they are spiritual or structural. If you find that a structural approach could lead to a solution, I encourage you to take action. Conversely, if you still sense spiritual interference after doing the work, I suggest seeking spiritual solutions, such as prayer and community support. Join me next week for a new episode, and don't forget to check the show notes for timestamps that you can share with friends. Thank you for being part of Wisdom's Table, and I hope this episode inspires you to tackle your challenges with clarity and confidence! 00:00:00 - Welcome to Wisdom's Table Introduction to the podcast and overview of the episode's theme. 00:00:37 - Identifying Problems: Spiritual vs. Structural Discussion on distinguishing between spiritual warfare and structural issues in leadership and business. 00:01:09 - The Danger of Over-Spiritualizing Problems Exploration of how labeling issues as spiritual can hinder personal responsibility and growth. 00:02:23 - Assessing the Problem The importance of deep self-assessment and recognizing blind spots in leadership. 00:04:19 - Key 1: Assess the Problem Steps to deeply analyze the underlying motivations driving the issue. 00:09:44 - Key 2: Recap Past Solutions Reviewing previous attempts to solve the problem and understanding their effectiveness. 00:10:36 - Key 3: Identify Hidden Mindsets Understanding how subconscious beliefs and priorities influence decision-making. 00:14:37 - Key 4: Create the Solution Bringing all insights together to seek guidance from the Holy Spirit for actionable solutions. 00:17:04 - Bringing Structure to Spiritual Gifts Connecting the discussion of challenges in leadership with the use of spiritual gifts. 00:18:27 - Next Steps and Upcoming Prayers Invitation to join in prayer and a preview of the next episode's focus. 00:19:51 - Sharing the Podcast Encouragement to share the episode and utilize timestamp features for easier sharing.
Dr. Greg Williams—a globally recognized negotiation and body language expert known as the “Master Negotiator.” He joins me on the show to share insights from over 30 years of experience and his Harvard training. We discuss the importance of meticulous planning and how to recognize and counter aggressive negotiating maneuvers. Dr. Williams shares real-world examples—from complex business deals to high-pressure hostage situations—highlighting the power of adaptability, reading nonverbal cues, and understanding motivation in every negotiation. Packed with actionable advice and memorable stories, this conversation is designed to empower you to approach every negotiation with confidence and integrity. Whether you're facing internal politics or tough procurement professionals, Dr. Williams' expertise will inspire you to refine your negotiation skills and achieve win-win outcomes. Outline of This Episode [03:16] Negotiation tactics vary based on context and goals, requiring adaptability in approach and tone [07:59] Strategies to use in internal conflict in negotiations [11:16] Use questions to assess if demands are genuine or a negotiation tactic [13:27] Take note of background information for future leverage [17:56] How a hostage situation involving a father with a gun to his son's head was resolved by a body language expert [20:19] You're always negotiating—what you do today influences tomorrow's activities Closing in High-Stakes Sales Deals A common misconception is that negotiation strategy and tactics are interchangeable. Dr. Williams clarifies the distinction: strategy is the guiding plan you lead with, while tactics are the tools you use to implement that strategy. Tactics support, build upon, and adapt to your strategy as the negotiation unfolds. For example, if your strategy is to make the opposing party feel valued and appreciated, a logical tactic might be to extend an unexpected, thoughtful gift. This gesture utilizes the power of reciprocity—people tend to give back when they receive, which can open the door to more concessions and a friendlier negotiation environment. Building Adaptive Negotiation Strategies No two negotiations are the same, so an effective negotiator remains flexible and tailors their approach to the unique personalities, organizational goals, and circumstances involved. Confidence, amenability, assertiveness, or neutrality—each can be powerful, but only when used at the right moment. Reading the room and even modulating your voice are subtle yet powerful indicators that shape the dynamics at the negotiation table. The Crucial Role of Preparation and Planning “Planning is everything,” Dr. Williams insists. Entering a negotiation underprepared puts you at a sharp disadvantage. Effective negotiators plot out “what-if” scenarios, establish mile markers to track progress, and construct exit strategies in case the deal veers off-course. Preparation also means looking inward—evaluating your objectives and the motivations of all stakeholders at the table. Dr. Williams highlights how, in complex sales involving multiple internal divisions, misaligned teams can be their own worst enemy, sometimes negotiating harder with each other than with the external party. Internal alignment through clear objectives, information sharing plans, and even mock negotiations helps ensure the team is unified and prepared for whatever the other side brings. Recognizing and Countering Aggressive Tactics Professional procurement negotiators often deploy aggressive moves like last-minute demands or “nibbling” for additional concessions at the end. Dr. Williams advocates assessing the true intent and long-term value of the deal before reacting. By calmly asking probing questions—such as “Why do you need that?”—the negotiator can reveal whether these are genuine concerns or just red herrings designed to extract further concessions. Information gained during these exchanges is invaluable. As Dr. Williams demonstrates through a mock scenario on the podcast, even casual comments about personal or organizational motivations can be leveraged in future negotiations. Top Dos and Don'ts of Negotiation Dr. Williams also shares his top three negotiation dos: Never confuse lack of preparation with being prepared. Enter with your facts, scenarios, and exit plans in hand. Seek to understand motivations. Every party brings hidden drivers to the table—learn them before negotiating. Don't assume a verbal agreement is the end. Post-negotiation follow-up is crucial to ensure all parties stay committed. Conversely, avoid entering deals blindly, neglecting to clarify the other party's interests, and failing to validate the agreement after the negotiation ends. As Dr. Williams recounts from his own challenging experience negotiating a hostage situation, the most effective negotiators blend empathy, preparation, and adaptability. Whether a life-or-death standoff or a multi-million dollar business deal, the underlying principle remains: leverage your value by viewing every interaction as part of an ongoing negotiation. The best negotiators plan, listen, adapt, and always look for the motivations that move the deal forward. Connect with Dr. Greg Williams The Master Negotiator Connect With Paul Watts LinkedIn Twitter Subscribe to SALES REINVENTED Audio Production and Show Notes by PODCAST FAST TRACK https://www.podcastfasttrack.com
AI adoption, dollar weakness and tax savings from the Big Beautiful Bill are some of the factors boosting our CIO and Chief U.S. Equity Strategist Mike Wilson's confidence in U.S. stocks.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I will discuss what's driving my optimism on stocks. It's Tuesday, July 29th at 11:30am in New York. So, let's get after it. Over the past few weeks, I have been leaning more toward our bull case of 7200 for the S&P 500 by the middle of next year. This view is largely based on a more resilient earnings and cash flow backdrop than anticipated. The drivers are numerous and include positive operating leverage, AI adoption, dollar weakness, cash tax savings from the Big Beautiful Bill, and easy growth comparisons and pent-up demand for many sectors in the market. While many are still focused on tariffs as a headwind to growth, our analysis shows that tariff cost exposures for S&P 500 industry groups is fairly contained given the countries in scope and the exemptions that are still in place from the USMCA. Meanwhile, deals are being signed with our largest trading partners like Japan and Europe that appear favorable to the U.S. Due to the lack of pricing power, the main area of risk in the stock market from tariffs is consumer goods; and that's why we remain underweight that sector. However, the main tariff takeaway for investors is that the rate of change on policy uncertainty peaked in early April. This is the primary reason why earnings guidance bottomed in April as evidenced by the significant inflection higher in earnings revisions breadth—the key fundamental factor that we have been focused on. Of course, the near-term set up is not without risks. These include still high long-term interest rates, tariff-related inflation and potential margin pressure. As a result, a correction is possible during the seasonally weak third quarter, but pull-backs should be shallow and bought. In addition to the growth tailwinds already cited, it's worth pointing out that many companies also face very easy growth comparisons. I've had a long standing out of consensus view that the U.S. has been experiencing a rolling recession for the last three years. This fits with the fact that much of the soft economic data that has been hovering in recession territory for much of that period as well—things like purchasing manager indices, consumer confidence, and the private labor market. It also aligns with my long-standing view that government spending has helped to keep the headline economic growth statistics strong, while much of the private sector and many consumers have been crowded out by that heavy spending which has also kept the Fed too tight. Meanwhile, private sector wage growth has been in a steady decline over the last several years, and payroll growth across Tech, Financials and Business Services has been negative – until recently. Conversely, Government and Education/Health Services payroll growth has been much stronger over this time horizon. This type of wage growth and sluggish payroll growth in the private sector is typical of an early cycle backdrop. It's a key reason why operating leverage inflects in early cycle environments, and margins expand. Our earnings model is picking up on this underappreciated dynamic, and AI adoption is likely to accelerate this phenomenon. In short, this is looking more and more like an early cycle set up where leaner cost structures drive positive operating leverage after an extended period of wage growth consolidation. Bottom line, the capitulatory price action and earnings estimate cuts we saw in April of this year around Liberation Day represented the end of a rolling recession that began in 2022. Markets bottom on bad news and we are transitioning from that rolling earnings recession backdrop to a rolling recovery environment. The combination of positive earnings and cash flow drivers with the easy growth comparisons fostered by the rolling EPS recession and the high probability of the Fed re-starting the cutting cycle by the first quarter of next year should facilitate this transition. The upward inflection we're seeing in earnings revisions breadth confirms this process is well underway and suggests returns for the average stock are likely to be strong over the next 12-months. In short, buy any dips that may occur in the seasonally weak quarter of the year. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!
Beyond Belief: James Craig's Chilling Crime, Cover-Up, and Courtroom Showdown Prepare for an immersive and chilling journey into the complete true crime saga of James Craig, a man once revered as an ideal community figure—a dedicated dentist, a loving family man, and a pillar of his church. This comprehensive episode meticulously unpacks the shocking allegations that his meticulously crafted public mask concealed a sinister, premeditated plot to end his wife Angela's life. We will delve into the profound psychological dissonance at play, exploring how Craig allegedly maintained a façade of normalcy while secretly plotting murder. This narrative transitions into the terrifying "Murder by Milligram" section, revealing the precise and insidious strategy of poisoning using cyanide and tetrahydrozoline. We'll analyze the damning forensic timeline, from online poison searches to chemical deliveries at his dental office and Angela's tragic hospital visits, questioning how Craig's medical background made the alleged acts even more egregious. The core of this section will dissect how the slow, calculated nature of poisoning strengthens the prosecution's argument for first-degree murder, and the immense challenge faced by the defense in countering such overwhelming scientific evidence. The story then takes a truly disturbing turn into the "Cover-Up" phase. We expose the astonishing accusations of Craig's post-arrest machinations, including the ethically reprehensible request to his own teenage daughter to create a deepfake video of Angela admitting suicide. This segment will explore the legal ramifications of such manipulation, examining how jailhouse letters and alleged attempts to recruit false witnesses can retroactively prove criminal intent and consciousness of guilt. The emotional toll on the victim's family, especially Craig's daughter, when pulled into such a desperate scheme, will be addressed, alongside the legal and ethical questions surrounding a defendant who treats family as mere pawns. Finally, we culminate in the intense "Courtroom Momentum," dissecting the high-stakes legal strategies employed by both prosecution and defense. We'll analyze how prosecutors meticulously thread together financial ruin, a secret affair, and image control as compelling motives, supported by digital evidence and post-crime behavior. Conversely, we'll examine the defense's uphill battle to inject reasonable doubt, often implying alternative explanations like suicide, and the pivotal considerations jurors must weigh as the case heads toward closing arguments. This comprehensive exposé reveals the full scope of James Craig's alleged deception, Angela's tragic betrayal, and the relentless pursuit of justice within the legal system. It's a complete unraveling of a dark secret that will leave you questioning the very nature of trust and human morality. Hashtags: #JamesCraigCase #AngelaCraigMurder #TrueCrimeFullStory #PoisonPlot #DeepfakeCoverUp #ForensicEvidence #CourtroomDrama #PsychologicalThriller #LegalAnalysis #JusticeForAngela #PremeditatedMurder #Betrayal #TrueCrimeCommunity #CrimeDocumentary #DigitalEvidence #MotiveExplained #ConsciousnessOfGuilt #MurderMystery #CriminalJustice #UnbelievableCrime Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872
Hidden Killers With Tony Brueski | True Crime News & Commentary
Beyond Belief: James Craig's Chilling Crime, Cover-Up, and Courtroom Showdown Prepare for an immersive and chilling journey into the complete true crime saga of James Craig, a man once revered as an ideal community figure—a dedicated dentist, a loving family man, and a pillar of his church. This comprehensive episode meticulously unpacks the shocking allegations that his meticulously crafted public mask concealed a sinister, premeditated plot to end his wife Angela's life. We will delve into the profound psychological dissonance at play, exploring how Craig allegedly maintained a façade of normalcy while secretly plotting murder. This narrative transitions into the terrifying "Murder by Milligram" section, revealing the precise and insidious strategy of poisoning using cyanide and tetrahydrozoline. We'll analyze the damning forensic timeline, from online poison searches to chemical deliveries at his dental office and Angela's tragic hospital visits, questioning how Craig's medical background made the alleged acts even more egregious. The core of this section will dissect how the slow, calculated nature of poisoning strengthens the prosecution's argument for first-degree murder, and the immense challenge faced by the defense in countering such overwhelming scientific evidence. The story then takes a truly disturbing turn into the "Cover-Up" phase. We expose the astonishing accusations of Craig's post-arrest machinations, including the ethically reprehensible request to his own teenage daughter to create a deepfake video of Angela admitting suicide. This segment will explore the legal ramifications of such manipulation, examining how jailhouse letters and alleged attempts to recruit false witnesses can retroactively prove criminal intent and consciousness of guilt. The emotional toll on the victim's family, especially Craig's daughter, when pulled into such a desperate scheme, will be addressed, alongside the legal and ethical questions surrounding a defendant who treats family as mere pawns. Finally, we culminate in the intense "Courtroom Momentum," dissecting the high-stakes legal strategies employed by both prosecution and defense. We'll analyze how prosecutors meticulously thread together financial ruin, a secret affair, and image control as compelling motives, supported by digital evidence and post-crime behavior. Conversely, we'll examine the defense's uphill battle to inject reasonable doubt, often implying alternative explanations like suicide, and the pivotal considerations jurors must weigh as the case heads toward closing arguments. This comprehensive exposé reveals the full scope of James Craig's alleged deception, Angela's tragic betrayal, and the relentless pursuit of justice within the legal system. It's a complete unraveling of a dark secret that will leave you questioning the very nature of trust and human morality. Hashtags: #JamesCraigCase #AngelaCraigMurder #TrueCrimeFullStory #PoisonPlot #DeepfakeCoverUp #ForensicEvidence #CourtroomDrama #PsychologicalThriller #LegalAnalysis #JusticeForAngela #PremeditatedMurder #Betrayal #TrueCrimeCommunity #CrimeDocumentary #DigitalEvidence #MotiveExplained #ConsciousnessOfGuilt #MurderMystery #CriminalJustice #UnbelievableCrime Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872
This week's episode has the cohosts talking about social isolation and earlier death among the elderly population. Studies have shown that loneliness is associated with a higher risk of mortality in older adults. For example, one study found that individuals experiencing loneliness at one or more points in time had a higher hazard for mortality compared to those who never experienced loneliness. Loneliness can trigger physiological stress responses, potentially leading to chronic inflammation and reduced immunity. These factors can contribute to the development of various health problems, including heart disease, Alzheimer's, and other age-related illnesses. Social isolation, which is closely linked to loneliness, can limit access to social support, including assistance with daily tasks, emotional support, and healthcare. This lack of support can negatively impact both physical and mental well-being. Loneliness and social isolation have also been linked to poorer cognitive function and an increased risk of conditions like dementia. Conversely, research suggests that maintaining social connections and receiving regular visits from loved ones can mitigate the risks associated with loneliness and potentially increase longevity. In essence, according to many studies prior to 2025, loneliness can create a cycle of negative health impacts, potentially increasing the risk of premature death, while social connections and support can act as protective factors. HOWEVER.... a new study was just reported last month that questions the previous assumptions. Researchers tracking home care recipients in Canada, Finland, and New Zealand discovered something unexpected: lonely older adults were actually less likely to die within a year compared to their non-lonely peers. Among the most vulnerable seniors — those receiving help at home with daily activities — being lonely was associated with an 18% to 23% lower risk of death. We are sure more research will now be done to either support the newest study or previous studies. Time will tell!
Keith discusses the impact of inflation and interest rates on real estate investing, emphasizing passive income strategies. He highlights the Florida housing market, noting a 26% increase in listings post-pandemic. Investor and Florida homebuilder, Jim, joins this episode to explain the overbuilding in the emotional market versus the underbuilt workforce housing. His company focuses on new construction in areas like Ocala, offering 40-year loans with 5.25% fixed rates, and boasting an average tenancy duration of over three years. They also provide two years of free property management and a 10-year builder warranty. Resources: Schedule a free strategy session with a GRE Investment Coach to evaluate the opportunity at GREinvestmentcoach.com Show Notes: GetRichEducation.com/564 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 welcome to GRE. I'm your host. Keith Weinhold, what control do you have over inflation and interest rates? Then, with the Florida housing oversupply and resultant attrition and price levels, wouldn't it be interesting to talk to a prominent Florida homebuilder? That's just what we do today on get rich education. Speaker 1 0:27 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Speaker 2 1:12 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:28 Welcome to GRE from coral, Illinois to Cape Coral, Florida and across 180 nations worldwide. I'm Keith weinholden. You are inside for another wealth building week. This is get rich education, the voice of real estate investing since 2014 with inflation on the upswing and is currently approaching 3% again, the formula is small. Down payment. Bank buys you the house. Tenants pay down the loan. Property Manager handles nearly everything. You collect cash every month. Inflation builds you massive wealth, and that's real estate, all right. And no one really knows what's going to happen with inflation and interest rates, those two positively correlated indicators, but at times we have an illustrious guest that will make a prediction. And GRE episode 224, from January of 2019 has been getting some attention lately. That's back when interest rates of all types were really low, and when I interviewed legendary investor Jim Rogers in Singapore, listen in to what he told you, and I on that episode, then Speaker 3 2:49 you ask me, we're now headed up again, and interest rates are going to go go much, much, much higher over the next few decades, and it's going to ruin a lot of people. I hope none of your listeners get ruined. I hope I don't get ruined, but rising interest rates are here for a long time. Keith, be worried. Be careful. Keith Weinhold 3:08 Yeah, some real Jim Rogers prescience there in Episode 224 he has seen some cycles. Now as investors, we've got regional phenomena and national phenomenon mortgage rates. They're a national one, because more or less, whenever you finance property anywhere in the nation, your rate is going to be the same nationwide. Perhaps you feel then like you don't have any control over your mortgage rate. Well, I've got two points to that. First, understand that today, mortgage spreads are almost back to normal. Now, what does that mean? Mortgage spreads from listening to the show, you probably know that the mortgage rate you pay is dictated more on the level of bond yields than it is the Fed funds rate that your own Powell controls. Well, 30 year mortgage rates are historically almost 2% above the bond yield, meaning they're 2% above the yield on the 10 year T note, okay, that's the bond yield. The spread was recently above 3% now it is down to about two and a half. To be clear, mortgage rates are now just about two and a half percent above bond yields in this narrowing, that means there's more investor confidence in the mortgage market, and that suggests that lenders are willing to offer loans at competitive rates without succumbing to volatility. So lenders are less concerned about the risk of you quickly refinancing out of the loan that they just worked to make for you, the translation is that this opens the door to make it easier for mortgage rates to fall to 6% and they've been nearly seven for a while. Though I don't predict rates. I'm speaking about probabilities here. Now some people want to lock up property before rates fall, because when rates fall, many think home prices will surge because more people can afford property than higher demand. And I think we all know that the conventional wisdom is to lock in your price now and then if rates fall, you refinance. Conversely, if rates go higher, well then you'll be glad you bought today when rates were lower. But today we're talking about how you can really control the mortgage rate you pay when you work with a builder that won't only see that your mortgage rate gets bought down, they'll ensure that they are the ones paying for the pie down, not you. That's key, as we talked to a home builder in Florida today, a state that makes headlines for being overbuilt, it's a case study in how a market gets to an overbuilt condition, or does it really get overbuilt? It depends on this segment of the real estate market that you're focused on as an investor, as you'll see today, let's meet this week's guest. Keith Weinhold 6:05 I'd like to welcome Jim onto the show today. He's one of the founding partners of a prominent Florida home builder. They built over 9000 residences, and they have 120 plus full time employees, and it's been such an interesting time in Florida home building and the real estate market, so that's why we're chatting today. Hey Jim, welcome onto the show. Keith, great to be back. Thanks for having me. Let's talk about the problem statewide. Florida has about 26% more listings, more available housing inventory, as compared to pre pandemic levels. That's created some problems, some price attrition. Talk about, why did Florida get over built? Or are they not truly overbuilt when we segment that by product type. Jim Sheils 7:02 Well, like you said, Keith, product type is really important to decipher here, because it does help dissect the problem a little more clearly. There's a lot of different markets happening, but two of the main things that I've seen that have caused the softening of certain segments of the market is one insurance if you are buying a 1957 home in southwest Florida, a few blocks from the beach, it is possible that your insurance has gone up four to five times. Yeah, the annual thing. So that is going to really start to shake people who own those properties. They're going to feel a little triggered to sell, and it's going to be more difficult to sell, because if you have an agent go and show that property and they ask for a good faith estimate from a lender, and they say, Well, what's your current insurance? That can really scare people. So that type of property normally properties older before 2004 when the rules changed, with higher insurance, that can change it. The second thing is, the emotional market always seems to take a hit, Keith, and I've heard you talk about this before. Now, the emotional market that I talk about is we have our median value in any of the real estate markets, right? And you go about 25% above the median, maybe 30% above the median values. That's what I call the emotional market. These are the really nice houses that are fun to visit. You know, nice to stay in, nice to live in, but they are emotional. This is an emotional market. The cash flow numbers have never worked. They're not on the ultra high end that those people normally own cash and they don't really care the fluctuation. It's that level above the median where I see the emotional market really take the hit, because when the emotion comes out, while the people it's harder to sell to find the buyers, especially with the rates jumping the way that they have over the last two years, there's not the ability to sit back and say, Well, you know what, Keith, I'm just going to hold this and rent it, because their negative position, their negative cash flow every month, begins to sink them quickly, and so that's where you see that pressure downward on that emotional market. If that makes any sense. Keith Weinhold 9:06 did Florida really get ahead of itself with the increase in pandemic migration? Was there more building because they projected that high migration rate to continue, and it just didn't. Is that why areas of Florida are overbuilt. Jim Sheils 9:22 What I believe happened was the migration was there, Keith, but again, you have to look at the sectors of the market. Now, when you're looking at a large national home builder, their goal is to sell the property with the greatest profit spread. It's just that simple, and those are the properties when times are good and times are hot, this emotional market, you know, 20, 30% above the median value for an area that's a very easy time to promote and to sell those types of properties and make the best spread for them. And so, yes, in that area, they got ahead of themselves, because it was easy to market to, easy to promote to. And again. In. Some people untrained investors, or people just emotional and saying, Well, I'm gonna have a second home in Florida, and I'll get there more often than I think I will. That causes that issue now, but going to the lower segment, like the workforce housing, like you and I have talked about, well, that has been underprepared for the migration and affordability. That is my word of the year, affordability, the affordable housing, the workforce housing. When you look at the stats, I think it was last year we found the stat that for every 25 workforce housing, new construction workforce housing, there's 100 renters. And so the workforce housing has been underdeveloped, and why? You know, we're a niche builder. It's very rare for a builder like us to focus on workforce housing. That's not the focus of many of the larger builders. They're on that more emotional market. So that's where we focus. But with builders like us focusing on that, no one else that part of the market, Keith has been under supplied, actually in the last few years, because the net migration didn't need those emotional houses. They needed the workforce housing. Keith Weinhold 11:05 This is a great distinction. We can look at a stat like there's 26% more available housing inventory in Florida statewide than there was pre pandemic, but you've got to parse that by product type, workforce housing, which you specialize in, including build to rent, housing has not been oversupplied, not nearly to that same extent. It could even be undersupplied, depending on where you're at. These are the properties that make the best long term income properties. I hope you the listener caught it there. Jim gave an important date. 2004 is a key year when there were changes to building codes, which results in what your insurance premiums are going to be. Tell us more about that. Jim Sheils 11:50 Yeah, 2004 right through Punta Gorda, Florida, where we build now. There was Hurricane Charlie came through. My dad's cousin, I have actually lived there at the time. I mean, that place got decimated. Keith, it got absolutely decimated, and the government called timeout. They said, timeout. Okay, we got to stop this. New rules. Moving forward, we're going to change the structural design requirements. We're going to change the elevation requirements. This is the big one. So you know, back in the day, you and I, if we were back in 1962 in Fort Myers, Florida, we could build a house at two feet or three feet above sea level. Those days are gone. If you're going to build a property like going back to Punta Gordon, now today, you have to build it 13 to 14 feet above sea level. So that means builders like us got to bring in a lot of dirt, and we grumble and complain about it until a storm goes through and we have no flooding on any of our properties. But that was a requirement, then stronger fasteners and structural design, because they just didn't want that risk or this type of damage. And it's been interesting, because they've been two hurricanes, you know, since 2004 that have really gone right over the eye. The main power of the storm has gone through. Punta Gorda. I've actually showed this on some videos that we've done on YouTube, like the flyover the next day, and you would think, Oh, well, maybe there was like a strong wind that went through, because there's palm fronds down and some fencing, but the houses are intact, and it's because things had to be rebuilt to today's standards. So I always tell people, hey, you know, we'd love to help you get a house, but if you're just going down there to find a house, I would highly recommend you look at the elevation and look if your house was built before the year 2004 or after, because that is really when things started to change. Not that a house earlier might not have what you're looking for, but elevation is such a key component when you're near coastal areas in Florida, the elevation of your home. Keith Weinhold 13:41 Is it that simple? Pre 2004 you're likely to pay substantially higher insurance premiums on your Florida property than you are if the build year was 2004 or later. Jim Sheils 13:52 It's a main component, Keith, another component will be to that is, you know, how close are you to the beach? If you're within, you know, a half a mile of the beach that can have an on lower ground of an older property, those combinations for risk analysis for an insurance company will come up not in your favor, and so you have to put that into account too. Again, the further you move inland, especially the further you move north, and the further you move inland in Florida, the insurance premiums go down because the risk assessment of the last 100 Years of hurricanes has been so much dramatically lower of actually causing issue. Keith Weinhold 14:29 We'll talk about the Florida areas that you build in later. But first, let's just pull back. Talk about statewide. How bad is it? How bad is it with the overbuilt condition in some segments of the residential market, and how that's led to price attrition, a lack of rent growth or rental occupancy rates that are hurt potentially. Can you speak to that? How bad is it now, Jim Sheils 14:54 again, going to the segment of the emotional market, so we're talking 20 to 30% above the median. In price in an area that's going to be bad, that's where you're going to have to have downward pressure. You're going to have to your property may have appreciated Well, if you did in 2020, but you're not selling a peak pricing. You're going to have to come off your numbers a good amount, because there's not as many buyers. And also, you got to remember, coupled with that pricing coming down, it's also the interest rates we got pretty spoiled. You know, three and a half percent interest rates, two and a half percent interest rates for some homeowners, that's just not the norm now. So when you're going off those numbers, the affordability, the ability to make that payment, has really been affected. So that emotional market, I think we're going to see a continued softening in that and again, in that emotional market too. To what I saw was, and I own some short term rentals, and I like short term rentals, but what we saw there was a rush, like, almost like a California gold rush, here in Florida, to people coming in and buying what they consider a short term rental, which was not really desirable for short term rent. It could get a few people here and there, but they would buy it, this emotional market, and then the numbers wouldn't work out. Now that, as well, is starting to put pressure on people saying, Oh, I'm losing so much money every month. Let's just sell and again, that emotional market, that area, 20, 25% 30% above median value. That's where we're seeing that. So you're going to see some pressure downward of that, I'd say at least another 10% because there's already been a dip in some areas 15 to 20% so there has been a correction in those and I think we'll continue to see that until some of this stabilizes. Keith Weinhold 16:32 Talk to us about how the rental segment's doing, statewide Jim Sheils 16:36 rental, we saw a stagnation for about a year and a half to two years, and just in the last six months, we've seen an increase in some of our main markets here. Again, when I say they main markets here, I'm always speaking, because that's what we stick to, the workforce housing. So we've seen workforce housing some of our main central Florida markets and some of our Northeast markets go up another 50 to $100 which was great, because it was stagnant for about two years. About two years. And then you'll see a continued dip of probably, you know, 10 to 15% on some of that emotional market rentals, because now there's a rush to try to rent them, and again, there's not as much of a demand for that segment of the market. Keith Weinhold 17:17 We're talking with a prominent Florida home builder about Florida's temporarily overbuilt residential housing type. We've already learned that 2004 is a key year for what your insurance rates are likely going to be. We've also learned about how you need to segment these residential housing markets between workforce housing and the emotional side of the market. You're listening to get rich education more when we come back on Florida real estate, I'm your host, Keith Weinhold. Keith Weinhold 17:46 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com. Keith Weinhold 18:18 You know what's crazy, your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little is 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family tp 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866, Kristen Tate 19:29 this is author Kristen Tate. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Keith Weinhold 19:46 welcome back to get rich education. Jim is with us, a prominent Florida home builder, and it's so interesting to talk to a home builder today because you think a Florida is overbuilding Ground Zero, even though, paradoxically. Nationally, we're still in a somewhat under built condition, where there's somewhat of a lack of available housing supply. Now, back on our April 28 show, exactly three months ago today, which I know that you listened to Jim, that show was titled, is Florida real estate doomed? And the short answer is no and I gave a number of reasons for that. You don't want to catch a falling knife as an investor. One prominent reason that Florida real estate is not doomed, and you're not catching a falling knife, and this is so close to being 100% predictable, is the fact that the growth is going to be there. It always has been in Florida, the in migration has been remarkable. If you go back and look at every census over about the last 200 years, since 1830 Florida has grown substantially every single census, oftentimes and usually at a rate greater than the national average. So in migration is almost certainly going to continue, which, over the long term, will put upward pressure on prices, upward pressure on rents, and help with rental occupancy as well. When you have a vacancy, that next incoming tenant is going to be there, I think that's about as close to predictable as it can possibly get. So talk to us more about the dynamics in Florida and the in migration. Jim Sheils 21:26 It's funny, Keith, last year the net migration, and you can check through all the stats out there. The net migration number for Florida, that means more people, obviously coming in than leaving, and the surplus was just about 470,000 so we still have a growth of 470,000 and people have set up. Florida. Net migration is over. And I'm going, well, it was pretty superb during the pandemic, but to say it's over when it's about a half million up from last year, I think would be a misconception for at the very least. So we feel the people are still coming, and we're asking, what kind of housing do they need? Do they need that higher end, emotional market housing? Not what we're seeing, what they're needing is affordability. They're going to areas where there's still great job source, there's still great affordability, and that's what we look for. Where can we still build a new construction, single family home for under $300,000 and have great job source close by. That's one of the things that we look for. Also, where is there that under supply of that workforce housing? There are very key markets in Florida that you know about that we build in. We're saying, yeah, there's lots of stuff on the market up there, but there is no supply of this workforce housing. We're going to keep building. And as you know, we have not stopped building the last two years, when a lot of people have run for the sidelines because they weren't in our sector of the market. Keith Weinhold 22:48 Of course, you're very strategic about where you build geographically. Talk to us about where those places are Jim Sheils 22:54 right now. Keith, my pick of the year has been the greater Ocala region, and I know we've been working with a lot of GRE folks in that region. Couple of reasons why, still had the strongest migration of any area in the US. And you can look that up. U haul had it as number one destination place. This was when I say greater Ocala. I look at Ocala, citrus springs, Inverness, that central Florida area. You know, still in some of those markets, Keith, we're building homes for 200 60s, 270,000 that's new construction, and enabled to get great rent and great financing, which no we'll talk about. And the job source is remarkable right now. In fact, interesting statistic, Keith, I know you watch this closely. In Ocala, the median price of a home is just around 300,000 main Ocala, you can get cheaper when you go out to citrus springs and Inverness, down to the 260s 270s but the median family income is 72,000 and when you look at that, that is a very good affordability index. That's very high average family income compared to a low median price, and that's bringing in more jobs. That's bringing in more security. Couple that with Central Florida being one of the lowest hurricane risk zones in the state. It's the highest ground. It's the furthest inland, in fact, to ensure a single family home on average in that area, about $65 a month for full coverage, wow, for a duplex, $105 a month, full coverage. And that's the advantage of new construction buying in the right areas or low hurricane risk zone and great job source coming in. So my favorite market right now, Keith, is that Central Florida, Ocala, citrus springs, Inverness, that's where we're building. Oh, that's also when people say it's overbuilt. Well, no, because we know that we're actually building for a few of the big institutions that have way bigger analysis departments than we do, and they're seeing that it's so behind on housing that people are finally going in. It was kind of an overlooked market all through the pandemic for the most part, and now it's finally getting people's attention. Keith Weinhold 24:58 A couple months ago. On the show, I shared how a close friend purchased a new build Ocala duplex through you, the rents he got were even a little higher than you projected, and his insurance premium is $694 again, this is for a duplex. I forget. I think the purchase price was 400 to 420k on this new build property. Jim Sheils 25:23 Yeah. And it's funny when people, we have lots of investors coming from all over, but I was in California's, know, for years. And when people hear a quote like that, like that, you just said 650, $6 they think that's for the month. And I say, No, no, no, that's for the year. And again, that's the misconception now, but you could pick up and you could go to a coastal area again, like I said in a 1952 duplex built at two feet above sea level that's had hurricane issues before, and your insurance could be $8,000 a year. Yeah, that's where you have to really shop before you actually pull the trigger on property. What are the taxes? What are the insurance? I mean, this is going back to core play, core strategy, but it's something you really have to look at Keith Weinhold 26:07 talk to us about the product types that you're offering, all new build, and what percent of single family, duplexes and larger Jim Sheils 26:15 the main majority of what we're building right now is single family and duplex. The numbers work great. They're in high demand. You know, duplexes are a pretty interesting product, Keith, because you can put them in single family home neighborhoods, and, you know, families that couldn't normally rent, afford to rent a full house there, can avoid an apartment building, still feel like they have their own home and afford to be in that neighborhood. So I'd say 80% of what we're doing is a combination of single family home and duplexes, and then, as you know, we still are building some of our quads, our four unit buildings in some areas of northeast Florida, like Jacksonville, Keith Weinhold 26:50 expenses have obviously been on the mind of real estate investors. More so since interest rates doubled to tripled in 2022 you're selling to investors. Investors need the numbers to work. Since they're not in the emotional market, we're in the market where we're looking at numbers, and that biggest expense, of course, is your mortgage principal and interest. So you found a way to deal with high insurance premiums, because on most or all of your properties that you sell to investors, those insurance premiums are excessively low. Talk to us about what you've done with the mortgage rates, for investors Jim Sheils 27:27 it's such an important point here, Keith, I remember hearing a warren buffett thing years ago saying, Well, I'm not really in the real estate and that, but for me, when I look at it, a house is worth what it can rent for. And that always stuck with me being Warren Buffett, even though he's not heavily invested in real estate like we are. But for get his sage advice on that that's always stuck with me. So when you're getting a property, yes, you want to have fair price, but the terms around it that actually produce the cash flow, or what's the condition of the property, where is it? But then the other fundamental numbers, what is your insurance? What are your taxes? And then the final big thing is, if you're leveraging, which I encourage, what's your mortgage? And so as you know, we're probably as obsessed with financing as we are with building right, cuz that's our model. We gotta build right. We gotta finance right. So we're always looking for the most advantageous programs where we can team up with banks. They'll allow us to pay an abnormal amount of points, which means discount points that we will pay, not the buyer, we will pay for our buyers to get the rate the lowest and most advantageous. We don't like short term teaser loans, where your rate's going to adjust in 18 months or two years. We saw a lot of people get in trouble with that, at least I did back in the Oh 708, days. So we want long term financing and low interest that's going to produce a cash flow, even though it's new construction from day one. And so right now, our newest program, as you and I have been talking about very excited, is actually a 40 year loan. It's a 40 year loan. We're paying the rate down. Right now we're at five and a quarter. A few weeks ago is at 4.75 so it does fluctuate back and forth. But here's what's exciting, Keith, you're leveraging into a new construction property that has longevity and durability. The first 10 years. Interest only the next 30 years is a 30 year AM, 30 year fixed at five and a quarter. So when you start to do the numbers and go through it, we're almost doubling cash flow on our single family homes and duplexes for people in areas like Ocala, and that makes such a difference to getting them off on the right foot. Keith Weinhold 29:32 This is a key distinction. Rather than focusing on slashing the price and your properties are already affordable, you buy down that rate by purchasing discount points to buy down that mortgage rate for the investor at the terms that you just described. Builders often like this more. They don't want to cut their prices, because that can become a comparable and lead to a downgrade in values. And investors actually like it more as well, because rather than discounting the price. A little more. It helps the investor more. When you buy down that rate and you do it for them, they are not the ones participating in the rate. Buy down you, the investor. You're paying the closing costs like origination fee and title insurance and things like that. Okay with those 40 year loan terms like you laid out fixed interest only for the first 10 years, and then after 10 years, it transfers to a 30 year fixed, amortizing loan, still with that same rate locked in. Is that right? Jim Sheils 30:29 That's correct. So there's no sometimes people think, oh, then it's going to trigger upwards several percent. It stays the same the whole 40 year term. We just go from interest only to principal and interest and again, you know, because you talk about the leverage all the time, the most important time to really solidify the strength of an investment and get cash flow going. The most pivotal time is in those first few years. Yeah, we feel we're really giving people that strong foundation to get a cash flowing right off the bat and be able to look long term. The great thing about new construction is people say, Could you hold it that long? I said, I'm planning to with some of my new constructions. Hopefully I'll be a little old man or my children will own them. But you can look out that far and know that you're jumping your cash flow in those initial years when a lot of people may be falling backwards. In fact, when we talked about those emotional markets where people bought higher end properties because they looked good and they felt good to walk through, and then all of a sudden they're bleeding month in, month out for a year, two years, three years. That's when they're ready to wave the white flag. We find with our model, with getting that rate really low, we're accentuating the cash flow forward those first few years, Keith, so they're ready to keep going after a few years, instead of raise the white flag. Keith Weinhold 31:41 Yeah, when we think about how you're helping investors here while moving product at the same time, the number of problems that are solved are remarkable because you're solving the higher mortgage rate problem by buying down the rates. You've got a low rate, you've got a low insurance premium, you as the investor are almost certainly going to have low maintenance and repair costs since it's new build. And what else do you do when it's new build? The tenant, when they move in, they're the first person that's ever lived in that property, which probably means they're going to have a longer tenancy duration, because it's hard to move up and move into something better than the product you're offering, especially with low affordability for first time homebuyers. In fact, tell us about your average tenancy duration Jim Sheils 32:21 yeah. So as you know, Keith, I did a ton of fixer uppers. First 15 years of my career, I wore that rehab badge on my shoulder with pride. I loved rehab and old houses. And look, that's great. That's a great way to get going. But I transitioned into new construction a decade ago, and so we've been able to do a lot of comparisons. And you know, back in the day, when I was fixing up lots of properties and renting them out, the older properties, my average tenant would stay about 13 months. It was a little over a year, get them for a year, and then there was move. But that was the average 13 months. Looking back now, and we've been doing this almost a decade. When you look at our new construction model, that went from an average of about 13 months to just over three years with our new construction product. So as you know, if all of a sudden we're pushing back that first move out from a year or 13 months to over three years, that's a tremendous way again to get the right footing and directional on your investment. So that was a really pleasant surprise. I did not expect going to new construction, but jumping from a year to three years has been a nice surprise. Keith Weinhold 33:24 This brings to mind for you as a passive investor, it's sort of analogous to buying an existing business or starting a new one from scratch yourself, whether it's a rental car company or a tomato farm. You know, a lot of people wouldn't think about getting into business, they think about buying their own business, starting it from scratch, and that's really difficult to do when you're an investor. This way, you're not doing a fix and flip yourself, which is analogous to starting your own business from scratch. You get to buy someone's existing business. You're buying an existing property, a new build one, in this case, and that way you can look at all the financials already and have it be done for you in that all done for you sort of way, just like it is here. Well, Jim, do you have any last thoughts about the Florida real estate market today, especially with the lucrative product type that you're offering to investors? Jim Sheils 34:16 I would just remind people do your homework, because there's apples and there's oranges, and you gotta compare the two, and you have to do the homework on which segment of the market is healthy and which one is not. I wouldn't recommend you invest in the unhealthy segment of the market, but look where the fundamentals are working. And go back to that term, a house is worth what it can rent for. And if you can look at that, and also couple with stability of new construction, this is where we've seen ourselves make the most money most success with the least amount of time for our investors. So I highly encourage that recipe for anyone out there. Keith Weinhold 34:53 In addition to being a builder, Jim's company also holds properties under management. For investors, just like you, they offer that for you. For the long term, they have over 1000 current investors, many of them are GRE listeners. You can learn more about the provider at GRE marketplace under Florida statewide, but to get a free strategy session about the latest in what they have for available inventory, and also to compare this provider to other providers, the highest flex, the highest ROI move that you can make yourself as the listener for your due diligence is to connect with a GRE investment coach. It's free at GRE investment coach.com, oh, it's been valuable. Jim, thanks for coming onto the show. Jim Sheils 35:38 Thanks for having me. Keith. Keith Weinhold 35:46 Oh, yeah, hearing it straight from a builder today. And you know, a lot of builders create these nice looking, emotional Type homes, the same ones that appeal to owner occupants. They build those higher end homes because they create more builder profit. Well, that's the segment that has become overbuilt today, this build to rent provider we're talking about here is dealing with a public that reads these articles about the Florida slowdown, though things are still good in this workforce housing market. Well, because the public reads headlines, this builder still has to step in with incentives. So really, this is a case study on what a home builder needs to do to adjust to public perception more so than the reality. That's why Jim and his company keep building when others are they keep building because they keep selling to savvy investors, including you, the GRE listener, conversely, the overbuilt emotional market segment, that's where Florida single family home prices are often about 500k or more, and many of them have stopped building. It's that here, with this workforce housing, brand new, single family rentals sell for the high 200k to 300k range in the three hundreds and duplexes in the four hundreds. We've been working with this provider for nearly a decade, and I've asked them, what can you do for GRE listeners? And these are the best incentives yet, is they basically are making discounts in your favor to deal with this public perception. And they are an interest rate buy down that they make for you, like we mentioned, currently to five and one quarter percent. They're also giving GRE listeners two years of free property management, a rental Protection Program, a six month eviction guarantee and a 210 builder warranty. When you see a builder warranty expressed that way, that means they cover two years on the small stuff, 10 years on the big stuff. The latest pro forma that I saw for their single family rentals had a purchase price of 325k and a cash on cash return of nearly 7% when you include all those generous incentives. So if you're looking for a new market to expand into the time and place could very well be here and now, some people wait for blue sky and everything to be perfect before they act well, that never happens. This is about as close as you'll get today. You'll either keep what you've got or change what you're doing here, Jerry, we constantly shop the nation for you. Our coaches help show you where those deals are that they found. And this is a potential opportunity. Here you can get on the calendar of one of our investment coaches for free. And if you like, start by asking about Florida new build property with all the incentives that you heard about here on GRE podcast, 564 at GRE investment coach.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 4 39:09 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 39:32 You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is. The Golden Age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866 Keith Weinhold 40:48 The preceding program was brought to you by your home for wealth, building, getricheducation.com
We interrupt our series on AI to bring you an important episode on an opportunity we have been waiting years for. We pack a lot into this 12 minute episode, including what signs we should be looking for, what signs we already have, and how to play what could just be a very unconventional run up in base metals of all places. Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits. We are not taking requests for episode topics at this time. Thank you for understanding.
This is not about working at your passions, or as my Dad, Dan Miller was famous for, finding the work you love. This is more about the tasks and activities you are engaging with in whatever work you are doing. Think about it like a football team. They are all playing football but they aren't all playing the same position. So in the daily work you do, what position most excites you? What role are you most suited to fulfill? You could be working in a field that is a perfect fit for you, but you are in a role that is not. Conversely you could be working in a field you care nothing for, but in a role that is perfect for you. I'm bringing back a conversation I had with Jonathan Fields, host of the incredibly popular podcast, the Good Life Project. I've had Jonathan on my podcast multiple times and I just so appreciate his spirit and energy. He developed a test of sorts that will help you know what work role fits you best. Where you will be most inspired, or as he calls it, what sparks you? It's free as well. Go to sparketype.com. As an example, my primary sparketype is Maker. I like to…make things. Build things. And while I build some physical things, most of my spark is in relation to building ideas. My second sparketype is Scientist, which is coming up with ways to make the idea happen. It then showcases what is not, my sparketype. This is not an excuse of what to do and what not to do, but to show you where you are best suited. For me, I continually strive to remain in the roles where I'm sparked, and delegate the other areas of my work to people who are sparked in them, and do a far greater and more efficient job. Again, you can take the test for free at sparketype.com and connect with Jonathan Fields at his podcast, the Good Life Project. Sign up for your $1/month trial period at shopify.com/kevin Go to shipstation.com and use code KEVIN to start your free trial. Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a texta link to my web page https://www.bookclues.comA link to 4PM Media https://4pmmedia.com/What happens when God breaks out of the church walls we've confined Him to? Author Philip Martin invites us into this provocative question through his collection of Catholic short stories titled "Ephaphatha" – an Aramaic word meaning "be opened."Martin weaves together elements of Southern Gothic and magical realism to create stories where divine mercy and justice intersect with everyday life. Drawing from his experience as a Catholic theology teacher, he understands that while truth may be black and white, people are wonderfully complex. This complexity demands more than simple doctrinal statements – it requires stories that speak to the heart."Falsehood is not attractive," Martin observes during our conversation. "It might be comfortable, but it's not attractive." This insight drives his storytelling approach, one that recognizes today's young people as "fertile soil" thirsting for authentic truth rather than comfortable lies. Through tales of hands breaking through church walls, mysterious healings, and unexpected divine encounters, Martin creates narrative spaces where readers can experience what happens when God refuses to stay confined to Sunday mornings.The discussion extends beyond literature to explore the interconnection between truth, beauty, and goodness – transcendental qualities that have traditionally guided Christian understanding of reality. When truth is abandoned, beauty inevitably suffers as well. Conversely, beauty can serve as a powerful pathway back to truth, making aesthetically rich storytelling a particularly effective evangelistic tool in our visually-oriented culture.Listen now to discover how Catholic fiction speaks to modern hearts and minds through the timeless power of story. Whether you're interested in faith, literature, or simply compelling narratives, this conversation offers fresh perspectives on how stories can transform lives in ways straightforward facts never could.
Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment. The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply. Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states. Resources: Follow Hannah on Instagram Show Notes: GetRichEducation.com/563 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:01 Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education. Speaker 1 0:27 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:12 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:28 Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income. Keith Weinhold 3:29 Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now. Keith Weinhold 10:21 Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down. Keith Weinhold 11:23 Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace. Keith Weinhold 16:30 And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing. Keith Weinhold 20:29 How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional. Keith Weinhold 22:02 I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners. Keith Weinhold 23:51 coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it. Keith Weinhold 24:31 The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy? Keith Weinhold 25:03 Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866 Caeli Ridge 26:13 this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream. Keith Weinhold 26:31 Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat Hannah Hammond 26:48 you too. It's been so great to get to know you on this ship, and it's been a lot of fun, Keith Weinhold 26:51 and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that. Hannah Hammond 27:19 Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt. Keith Weinhold 27:44 That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that. Hannah Hammond 28:03 Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up Keith Weinhold 29:08 income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be. Hannah Hammond 29:23 So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore. Keith Weinhold 30:36 That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans Hannah Hammond 31:11 Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset. Keith Weinhold 32:26 So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here. Hannah Hammond 32:37 exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets. Keith Weinhold 32:56 Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you? Hannah Hammond 33:04 I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil. Keith Weinhold 33:04 This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that? Hannah Hammond 33:42 At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market. Keith Weinhold 34:27 Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you. Keith Weinhold 34:40 Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream. Speaker 3 35:33 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively. Keith Weinhold 35:56 You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866, Keith Weinhold 37:12 The preceding program was brought to you by your home for wealth, building, getricheducation.com.
//The Wire//2100Z July 21, 2025////ROUTINE////BLUF: CHINA BEGINS MAJOR HYDROELECTRIC PROJECT IN TIBET. ALASKA AIRLINES SUFFERS IT OUTAGE, GROUNDING ALL FLIGHTS SUNDAY EVENING.// -----BEGIN TEARLINE------International Events-Central Asia: Over the weekend, Chinese authorities began construction on a major hydroelectric power plant in a remote region of Tibet. Groundbreaking ceremonies were held at a site adjacent to the future Yarlung Tsangpo Hydroelectric Power Plant in Nyingchi. This project is scheduled to be completed by 2033, and for comparison will allegedly be roughly three times the size of the Three Gorges Dam project.-HomeFront-Washington: Sunday evening an IT outage resulted in all Alaska Airlines aircraft being grounded for several hours. Roughly 150 flights were canceled as a result of the outage, and airline representatives have warned of future disruptions due to malfunctioning equipment. So far no cause for the outage has been disclosed, beyond general comments of unspecified equipment failure.-----END TEARLINE-----Analyst Comments: As with most Chinese industrial projects, the scale of the hydroelectric project in Tibet is impressive. However in this case, they are attempting to build the largest hydroelectric power plant in human history...directly in the middle of a region legendary for extreme seismic activity. More broadly however, there are mitigating factors which complicate this seemingly glaring mistake.As the dam will also be built over a river that flows into India, various concerns are present regarding restricting the flow of water into India. Conversely, since India will be the primary customer of the electricity, these concerns will likely waver over time due to India's extremely poor infrastructure. In short, China knows that India is desperate for electricity, so China is going to dam up a river on the Indian border and use what would have been India's own river to produce electricity to sell back to them. Consequently, since this power plant will be used to provide electricity for export, CCP officials probably don't care as much about the national security risks when/if the plant gets destroyed due to an earthquake or due to combat action.Considering that this dam can also be used to halt the flow of water into India, this dam highlights the often forgotten detail that the People's Republic of China rarely does anything that does not also have military value. The Yarlung Tsangpo River (which is known as the Brahmaputra River in India) accounts for roughly 7% of all of the freshwater supply in India (at least, according to the Indian government). This means that China can quite literally turn the screws on India, and apply pressure to their BRICS partner as necessary. Indian leadership, only interested in short-term gains (and cheap electricity), have either forgotten that there's no such thing as a free lunch and/or are so desperate to keep their failing electrical grid from outright collapse that they don't care about the potential military impacts that will occur in a decade when the plant comes online.Analyst: S2A1Research: https://publish.obsidian.md/s2underground//END REPORT//
We're back from our (unplanned, sorry!!) break with a big one. Lena Dunham has returned to television with a Netflix series that many online are claiming to be as good as - or even better than - Girls, the much lauded HBO show that launched her career. Conversely, critics are writing scathing reviews for broadsheets about the portrayal of romance, women and London in the show. But which is it? And are our hosts impressed with the Megan Stalter fronted romcom?This week, Ione and Gina get to grips with whether Too Much is hot or a flop: exploring the representation of class dynamics, the acclaim the series is receiving for fat representation, and questioning why Jess, the show's lead, has absolutely zero mates.Support our work and become a Polyester Podcast member
AI is no longer a question of "if". You know this now. So what are you going to do about it? There are two very obvious roads to take here, and one of them is very dark and something I wouldn't recommend. Let's talk about what I do recommend. Because there is good news here. VERY good news. "Planting Bamboo" Episode - https://youtu.be/QElrQZc4Nl0 AI Jobs Video - https://www.youtube.com/watch?v=VO1xUwJLAxQ Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/ For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/ Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/ Follow VP on Twitter https://twitter.com/This_Is_VP4X Check out my Forex trading material too! https://nononsenseforex.com/ The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice. Do your own research and understand all financial decisions and the results therein are yours and yours alone. The host is not responsible for the actions of their sponsors and/or affiliates. Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk. Losses can exceed deposits. We are not taking requests for episode topics at this time. Thank you for understanding.
Jesse Lee, also known as Boss Lee, explains the necessity of three distinct types of people—haters, naysayers, and lovers—for achieving success in life and business. She argues that haters provide free marketing and publicity, often inadvertently driving more attention and followers to one's endeavors, as illustrated by her personal anecdotes of profiting from public criticism. Naysayers, frequently close friends or family, are characterized as people who, despite good intentions, subtly undermine ambitions by encouraging mediocrity, often projecting their own unfulfilled desires. Conversely, lovers offer vital emotional support and boost confidence, though their financial impact may be less direct than that of haters. Lee emphasizes that embracing and understanding the role of all three groups is crucial for a rich and impactful life, urging listeners not to fear criticism but to view it as a catalyst for growth. Hosted on Acast. See acast.com/privacy for more information.
Every gym bro's on 'test' now — but is TRT actually helping or just creating jacked zombies? Nick Pell investigates on this Skeptical Sunday!Welcome to Skeptical Sunday, a special edition of The Jordan Harbinger Show where Jordan and a guest break down a topic that you may have never thought about, open things up, and debunk common misconceptions. This time around, we're joined by writer and researcher Nick Pell!Full show notes and resources can be found here: jordanharbinger.com/1172On This Week's Skeptical Sunday:TRT can address real medical issues. Testosterone replacement therapy can genuinely help men experiencing symptoms like chronic insomnia, severe depression, and extremely low energy levels. For some men, it can be life-changing treatment for legitimate medical conditions.Serious health risks are real. TRT carries significant risks including blood thickening (stroke risk), cardiovascular strain, permanent fertility loss, and dependency. These aren't minor side effects — they require ongoing medical monitoring and mitigation strategies like regular blood donation.Many clinics operate as cash grabs. The industry is flooded with clinics that will prescribe TRT to almost anyone willing to pay, regardless of actual medical need. These facilities often charge $200+ monthly for treatments that cost $35 elsewhere and use aggressive fear-based marketing.TRT creates physical dependency. Once you start, stopping requires medical supervision similar to coming off antidepressants or other serious medications. Your body stops producing natural testosterone, and post-cycle therapy may not restore normal levels, especially after long-term use.Make informed decisions based on symptoms, not just numbers. Before considering TRT, honestly assess how you actually feel — your energy, mood, and quality of life matter more than blood test numbers alone. If you feel fine but have "low" test numbers, you may not need treatment. Conversely, if you feel terrible but have "normal" numbers, discuss options with a knowledgeable doctor who takes your symptoms seriously.Connect with Jordan on Twitter, Instagram, and YouTube. If you have something you'd like us to tackle here on Skeptical Sunday, drop Jordan a line at jordan@jordanharbinger.com and let him know!And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:SimpliSafe: 50% off + 1st month free: simplisafe.com/jordanShopify: 3 months @ $1/month (select plans): shopify.com/jordanLand Rover Defender: landroverusa.comProgressive: Free online quote: progressive.comHomes.com: Find your home: homes.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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