Podcasts about Costly

Hey there, Smart RVers! In this episode, we're breaking down the essentials for a great RVing life. We'll cover the big three of full-time travel: how to handle your mail, manage your money, and make sure you've got your medications squared away while you're on the road. Then, we dive into the nitty-gritty of RV ownership. We've compiled a list of the top 20 most common RV repairs and we'll give you some tips on how to prevent them and keep your rig running smoothly. On the travel side, we'll take you on a virtual road trip to two of Nevada's most unusual places: the historic town of Tonopah and the nearby ghost town of Goldfield. We'll share their wild histories and all the unique attractions you can't miss. Finally, we'll pull back the curtain on the tools the pros use, explaining what they're for and how they can help you with your own RV maintenance. Join us to get the knowledge and preparation you need to hit the road with confidence and make your next journey your best one yet! Takeaways: This episode provides valuable insights on the essential logistics of RV travel, particularly regarding mail, finances, and medication management. The discussion includes common RV repairs, emphasizing the importance of proactive maintenance to ensure a seamless travel experience. Listeners are encouraged to appreciate the services rendered by others in their RV journeys, highlighting the significance of personal connections and gratitude. The episode also features a segment on RV envy, exploring the tools and equipment used by technicians to maintain RVs effectively. Traveling full-time necessitates effective organization and planning, especially concerning essential documents and supplies. Engagement with the audience is encouraged, inviting feedback on topics of interest for future episodes. The Smart RVer Podcast Episode Schedule. Enjoying the RV Life: See All of the Articles Money Saving Tips – How to Save that Hard-Earned Cash Staying On The Road – All Podcast Episodes The Next Stop: See the Awesome Places We Recommend Shadows of the Past – Towns That Once Were – See the Script  RV Envy: See all of our DIY Articles Money Saving Sites: Wholesale Warranties – RV Extended Warranties RV Defender - Tire Blow Out Systems SunproMfg Fresh Water Repair Kits

Friday 9/12/25

Fresno, Clovis Republicans Slam Prop. 50 as Costly Power Grab Please Subscribe + Rate & Review Philip Teresi on KMJ wherever you listen! --- KMJ’s Philip Teresi is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi, Weekdays 2-6 PM Pacific News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Welcome back to Content Is Profit! Links mentioned today: - www.bizbros.co/monetize - www.tuulie.com/say-it-sell-it Today, I'm going solo—and getting real. For years, I struggled with content. The confusion, the burnout, the constant question: “How do I actually turn this into profit?” Maybe you've felt that too. But here's the thing… it wasn't until I leaned into the challenges—publishing daily, embracing the mess, and testing like crazy—that everything changed. Creativity flowed, opportunities opened up, and business growth finally clicked. This episode isn't just my story—it's a roadmap for your breakthrough. If you're stuck on your message, strapped for time, or just can't figure out how to monetize, you'll want to pay close attention. Inside, I'm sharing two powerful ways you can jump in right now: The 1:1 Monetization Challenge (get personal, get results): www.bizbros.co/monetize The Say It And Sell It Challenge (a brand new group experience to publish, connect, and sell with confidence): www.tuulie.com/say-it-sell-it This is about more than content. It's about finally building momentum, breaking through the noise, and turning your ideas into a profitable business. Tune in—because your breakthrough is closer than you think.

Thursday 9/11/25

Sadie sits down with powerhouses Christine Caine and Lisa Harper for a raw, no-fluff convo about calling, burnout, ministry life, and what to do when you feel totally tapped out. They get real about how they started in ministry and what they wish more people knew before jumping into full-time ministry. Christine drops some major wisdom on why she spends so much time in her prayer closet: not to chase clout or follow a content strategy, but to actually hear from God on what she's supposed to say and do. If you've ever wondered if ministry is really for you — or just need a reminder that you're not alone when it's hard — this one's for you. This Episode of WHOA That's Good is Sponsored By: Start taking your sleep seriously with AGZ. Head to https://drinkag1.com/whoa to get a FREE Welcome Kit with the flavor of your choice that includes a 30-day supply of AGZ and a FREE frother. https://covenanteyes.com/sadie — Visit the website to learn more and start your journey toward a healthier, stronger marriage today. https://gominno.com — Get your first month FREE when you use code WHOA at sign up. Take advantage of this web-only exclusive offer today! - Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Michael Smerconish speaks with Admiral James Stavridis, former Supreme Allied Commander of NATO, about Israel's controversial strike in Qatar and the fallout for U.S. alliances, hostage negotiations, and the wider Middle East. Stavridis also weighs in on rising tensions in Europe after Russian drones crossed into Polish airspace. Afterward, Michael takes listener calls that reveal the deep divisions among Americans over Israel, Palestine, and U.S. foreign policy. Original air date 10 September 2025.

Artificial intelligence is reshaping how higher education institutions attract, enroll, and support students, bringing exciting opportunities and new challenges. Career education leaders Dana Hutton and Stephen Arthur join Jason Altmire to discuss their new best practices guide in which they explore how AI can simplify enrollment, reduce barriers, and create better outcomes for students. They discuss how these tools can help improve the efficiency of the admissions process and enhance marketing, but only if there are clear goals tied to student success, proper oversight, and high-quality, well-organized data for an AI tool to use. To learn more about Career Education Colleges & Universities, visit our website. Sponsored by LeadSquared. Most enrollment platforms just aren't built for the fast-moving world of career schools.The result? Costly consultants, long implementations, and systems that don't talk to each other.LeadSquared is different. It's designed just for career schools—with AI-powered workflows, fast speed-to-lead, and seamless integrations.Implementation happens in weeks, not months—by in-house education experts who actually understand your business. No outside consultants. No inflated costs. In fact, LeadSquared's total cost of ownership is just one-third of traditional systems.That's why over 800 education institutions worldwide trust LeadSquared—not just as software, but as a partner.Visit leadsquared.com to learn more.

Failing to cite your secondary sources in briefs is poor form. But is it plagiarism? Jeff and Tim debate. And when the Supreme Court The publishes a case, should it explain itself? PJ Gilbert and Tim say yes, Supreme Court and Jeff disagree.Also in this episode:Can copying from a CLE article really get you sanctioned? Kelly v. Tao suggests… maybe.Presiding Justice Gilbert rails (again) against the Court's silent de-publishing practices.Deny a request for admission in a one-way fee-shifting case? You might still owe fees—Gammo v. Morrell.$105k in sanctions after failing to abandon claims disproven in discovery—Atlantic v. Baroness.The perils of citing the wrong fee statute—Martin v. Hogue.Gibson Dunn bills $1.8M for May alone in public interest litigation over LA homelessness.Can ChatGPT testify against you? OpenAI's CEO says maybe.How AI tools are reshaping billing, ethics, and expectations for appellate lawyers.Tune in for AI ethics, briefing blunders, and why even your RFA denials could cost you.

Stephen Grootes speaks to consumer ninja Wendy Knowler about the alarming rise of Business Email Compromise (BEC), a devastating scam that continues to cost victims millions—most recently affecting a man from a small village in the Western Cape. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

The Athletic's Jordan Bianchi previews the last race in Round 1 of the NASCAR postseason. Did Philadelphia Eagles' defender Jalen Carter get punished enough for spitting on Dak Prescott? And you won't believe where the worst team in baseball ranks in attendance.

This week, Deb sits down with the legendary Howard Wiggins—one of the world's top interior designers. In addition to stories about his adventures with the iconic Dolly Parton, Howard shares his simple rules for interior design that also translate to successful businesses. No more following trends that end up being costly mistakes. Find out how to stand out by creating something unique and timeless.https://www.facebook.com/HowardWigginsInteriorDesign/Vimeo: https://vimeo.com/1115903606Youtube: https://youtu.be/J04Fij337kw 

Stephen Grootes speaks to consumer ninja Wendy Knowler about the alarming rise of Business Email Compromise (BEC), a devastating scam that continues to cost victims millions—most recently affecting a man from a small village in the Western Cape. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Ericka Adler is joined by Roetzel shareholder Marc Kallish to unpack the hidden legal risks healthcare professionals face under the Telephone Consumer Protection Act (TCPA). They explore how common communication methods like texts, emails, and calls can trigger costly violations, even when used with good intentions. The episode covers what the TCPA is and how it applies to healthcare communications, the importance of patient consent and opt-out mechanisms, what qualifies as a “healthcare exemption” under the law, real-world examples of class action lawsuits and how they escalate, and why insurance often doesn't cover TCPA violations. Tune in to learn how to protect your organization and avoid costly legal consequences that can quickly escalate if left unchecked. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

The Thirteenth Sunday after Pentecost St. John's, Lafayette Square Washington, DC Release date: 7 September 2025

Flipping a house can feel overwhelming if you don't know where to start. In this episode, I'm sharing the order of a flip and how to keep your project organized and moving forward—whether you're flipping to sell or rent. What You'll Learn: The first step to take before any work begins How to stay on track during each stage of the flip Tips for keeping the process efficient and stress-free Special Offer Alert! The Academy is now $200 OFF — that means you can join today for just $79! Don't miss this chance to access all the tools, strategies, and resources you need at an unbeatable price. Sign Up HERE: https://learn.mycreativedays.com/academy _________________________________________________________________ Links: Dixie Belle Silk All-In-One Mineral Paint: https://bit.ly/3HReHEh Use code Mycreativedays10 at Luminara candles: https://bit.ly/4jZoSUq Use code Mycreativedays10 at Surf Prep Sanding: https://www.surfprepsanding.com?aff=42 _________________________________________________________________ Do you love decorating your home but have a small budget? My Creative Days shares creative ways to upcycle, repurpose, and DIY your way to a beautiful home on a budget. New video content is released every Wednesday and Friday, and shorts are delivered every day. Hit the SUBSCRIBE button and click the bell to be notified when new videos are launched! Thank you for sharing my channel with your family and friends. _________________________________________________________________ New to My Creative Days? Learn more about MCD here: https://www.mycreativedays.com/ Listen to the podcast: https://learn.mycreativedays.com/podcasts/my-creative-days Pin with me: https://www.pinterest.com/mycre8tivedays/ Join me on Instagram: https://www.instagram.com/mycreativedays/ Join me on FB: https://www.facebook.com/mycreative.days Grab MY FREE Guide - Thrifting For Your Home: https://learn.mycreativedays.com/newsletter Grab MY FREE E-Book: The Struggles of Furniture Flippers and How to Overcome Them: https://learn.mycreativedays.com/furniture-flipping-newsletter Want to learn how to flip furniture successfully and for profit? I created The Furniture Flipping Academy for you! Learn more here: https://learn.mycreativedays.com/academy Find more creative content to inspire you here: https://learn.mycreativedays.com/links ______________________________________________________________ Disclosure Statement: These links contain affiliate links. I will receive a commission for items purchased through these links at no extra cost. I appreciate your support. Please read all labels and follow all manufacturer safety recommendations when working with paints, stains, and other equipment, and wear and use appropriate personal protection equipment. Viewers should attempt these projects at their own risk. ____________________________________________________

LIVE: Boy Green reacts to Jets HC Aaron Glenn putting WR Xavier Gipson on notice after he BLEW it against the Steelers!Become a supporter of this podcast: https://www.spreaker.com/podcast/boy-green-daily--1753389/support.

Welcome back to Home Design Chat with Nancy.   This is the place where you learn everything about your home, what the current trends are, how to design, plan and execute your remodel and much more.Your roof takes a beating every season—scorching hot summers, heavy snowfalls, and everything in between.  But how do you know if the roof is really holding up? Charlie Holquin, Sales & marketing director for Big Red Roofing, is my guest today.   Charlie will explain what extreme heat does to shingles, how snow and ice can sneak damage into your home, and those little warning signs—like curling shingles, sagging spots, or mysterious water stains—that you don't want to ignore.He will also share some simple maintenance tips that can save you from a costly repair down the road and keep your roof in good shape no matter the season.Important talking points:How extreme heat affects roofing materialsCommon signs of sun damage, including warping, curling, and fading shinglesWhat heavy snow and ice can do to your roof's structureRed flags like sagging, leaks, or water stains inside your homePreventative maintenance tips to extend the life of your roof year-roundIf you enjoyed this episode, be sure to subscribe on the platform you are using to listen to podcasts.By the way, you can send me an email at Nancy@nancyhugo.com to get on my email list for DesignersCircleHQ.com.  All the podcasts are posted there as well as Design Trends, news and more.If you want to learn more about me, go to NancyHugo.com and if you have any questions for me, send an email to Nancy@nancyhugo.com This podcast is sponsored by ⁠⁠Monogram.com

Sermon25: 07Sep25 'A costly following', by Pastor Rev. Andy Willis by Geneva Lutheran

Ezekiel 21-24

Luke 14:25-35. D.K. Meyer. Thirteenth Sunday after Pentecost -C http://www.standrewlcms.org / Donate

Have you ever walked through Target or Home Goods in the fall and felt the tug to load up your cart with pumpkins, cozy throws, and autumn-scented candles—only to get home and realize nothing really works together? You're not alone. One of the biggest mistakes women make when decorating for a new season is buying the latest home décor items before they know their design style. Without clarity, those seasonal finds end up feeling random, mismatched, and more like clutter than cozy. The truth is, no amount of fall pillows or faux pumpkins will make your home feel like you if you don't first know what your style actually is. In this episode, we're diving into: Why impulse-buying seasonal décor can lead to decision fatigue, overwhelm and regret The common pain points women face when they want a beautiful home but don't know where to start The shift that happens when your home finally reflects your unique style and feels warm, inviting, and cohesive year-round Friend, you deserve more than a house full of “stuff.” You deserve a home that looks and feels like you—a space you can't wait to come home to and are proud to invite others into. That's exactly why I created a free workshop: 3 Steps to Creating a Home You Can't Stop Gushing About. Inside, you'll learn how to identify your design style, the fundamentals that make decorating simple, and how to confidently create a home that feels intentional, cozy, and joy-filled.  

In this episode, Pete and Sam recap what they saw down in Atlanta as the Hokies fell to the Gamecocks 24-11. Along with multiple reasons for optimism, there was cause for concern as well. If the Hokies defense comes to play like they did on Sunday, VT could win a lot of games this year, but the offense is going to have to score some touchdowns. Up next is Diego Pavia and the Vanderbilt Commodores. They're coming to Blacksburg for a Saturday night tilt that will be a defining game for Coach Pry, win or lose. Let's hope the boys can regroup quickly and win a HUGE home opener. 

If you've ever received RSUs, stock options, or ESPP shares as part of your compensation, you might be sitting on a huge opportunity — or a costly tax surprise.In our first episode of Season 2 of The Abundance Mindset, we break down:Common mistakes made with equity compensation, particularly RSUsThe tax pitfalls with RSUs many are not aware ofHow to incorporate RSUs and equity compensation into broader financial planning

Welcome to the Know Your Numbers REI Podcast! In this episode, host Chris McCormack dives into the third of seven costly tax mistakes that many real estate investors and business owners make: ignoring depreciation.Chris, a CPA and certified tax planner, explains how leveraging depreciation can significantly reduce your tax burden and enhance your investment returns. He shares real-life examples, including a case where a couple missed out on a $160,000 tax benefit due to improper depreciation practices.If you're a real estate investor or a business owner looking to optimize your tax strategy, this episode is packed with valuable insights and actionable steps. Don't forget to follow and leave a review to help others discover the podcast!Stay tuned for more episodes as we continue to explore the most costly tax mistakes and how to avoid them. God bless you, and keep moving forward!••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

www.tyndalefilm.com

If you think building a coaching business is all smooth sailing, think again. Even after 20+ years online and millions in sales, I still managed to screw things up in 2025. Big mistakes. Costly mistakes. The kind of mistakes that burn through millions.But instead of covering them up, I want to put them out in the open. Because I don't want you to waste time, money, or energy making the same errors, consider this your front-row seat to my seven biggest coaching business fails.These are the seven things you must stop doing right now if you want to grow faster and stress less.Useful Episode ResourcesFREE list of the top 10 books to improve your email marketingIf you want to write better emails, come up with better content, and move your readers to click and buy, here's how. We put together this list of our Top 10 most highly recommended books that will improve all areas of your email marketing (including some underground treasures that we happened upon, which have been game-changing for us). Grab your FREE list here. Join our FREE Facebook groupIf you want to chat about how you can maximise the value of your email list and make more money from every subscriber, we can help! We know your business is different, so come and hang out in our FREE Facebook group, the Email Marketing Show Community for Course Creators and Coaches. We share a lot of training and resources, and you can talk about what you're up to.Try ResponseSuite for $1This week's episode is sponsored by ResponseSuite.com, the survey quiz and application form tool that we created specifically for small businesses like you to integrate with your marketing systems to segment your subscribers and make more sales. Try it out for 14 days for just $1.Join The Email Hero BlueprintWant more? Let's say you're a course creator, membership site owner, coach, author, or expert and want to learn about the ethical psychology-based email marketing that turns 60-80% more of your newsletter subscribers into customers (within 60 days). If that's you, then The Email Hero Blueprint is for you.This is hands down the most predictable, plug-and-play way to double your earnings per email subscriber. It allows you to generate a consistent sales flow without launching another product, service, or offer. Best news yet? You won't have to rely on copywriting, slimy persuasion, NLP, or ‘better' subject lines.Subscribe and review The Email Marketing Show podcastThanks so much for tuning into the podcast! If you enjoyed this episode (all about the psychology of marketing and the 9 things we use in all our email campaigns) and love the show, we'd really appreciate you subscribing and leaving us a review of the show on your favourite podcast player.Not only does it let us know you're out there listening, but your feedback helps us to keep creating the most useful episodes so more awesome people like you can discover the podcast. And please do tell us! If you don't spend time on email marketing, what do you really fill your working days with? We'd love to know!

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you overlooking a tax-saving tool worth thousands that's sitting right in front of you?Many high-income professionals and real estate investors get caught up in complex strategies like the Smith Maneuver or cash damming—powerful, yes, but painfully slow to pay off. The truth is, these long-game approaches can distract you from simpler, more immediate wins. In this episode, we break down how one investor, focused on advanced tactics, was missing an obvious opportunity that could put thousands of dollars back in his pocket this year. If you've ever wondered whether you're working too hard for too little tax relief, this conversation will hit home.You'll discover:How cash damming works—and why clean record-keeping is non-negotiable.When it makes sense to hire an investor-savvy accountant and how the costs compare to the actual tax savings.Why RRSP contributions, often ignored by real estate investors, can create instant tax refunds worth thousands while still supporting your long-term wealth strategy.Press play now to learn how to stop missing the forest for the trees and unlock immediate tax savings while still building for the future.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada requires more than just working hard—it's about mastering tax strategies and aligning them with a clear Canadian wealth plan. From cash damming and RRSP optimization to investment loans and corporate wealth planning, T4 earners and Canadian entrepreneurs alike can unlock powerful tax savings. With the right accountant and smart financial planning tools, you can balance salary vs dividends in Canada, create effective financial buckets, and design a financial visiReady to connect? Text us your comment including your phone number for a response! Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

New York State Assemblyman Phil Palmesano (R,C-Corning) joins the show immediately following the news conference he participated in along with other members of the Assembly and Senate Republican Conferences to further expound on New York State's desires to go fully electric.

The intricacies of inheritance tax issues are probably the last thing you want to think about after losing someone. We're making it easier to make financial arrangements for receiving an inheritance after a loved one passes away on this episode of We're the Brits in America.  Host Richard Taylor - dual UK/US citizen and Chartered Financial Planner - offers practical advice for expats on navigating these challenges to promote financial security and compliance, including how to avoid the potential pitfalls of Roth IRA conversions.  In this episode of From the Trenches on We're the Brits in America, Richard Taylor and James Boyle – Lead Financial Planner at Plan First Wealth - explore:   Navigating Inheritance for Expats Challenges when receiving an inheritance from non-US persons. The crucial importance of filing Form 3520 to avoid severe IRS penalties. Complications with Trusts and Offshore Bonds Issues with UK-centric advice for US persons. Potential tax problems with foreign trusts and passive foreign investment companies (PFICs). Roth IRA Conversions Explanation of Roth IRA conversions and their benefits. Potential pitfalls like affecting healthcare premiums and tax brackets. New considerations following recent legislative changes. Importance of a Cross-Border Tax Advisor Benefits of having a qualified tax advisor to navigate international tax intricacies and offer valuable US tax help. More about We're the Brits in America:  With the right financial advice, landmines that threaten expat wealth can be avoided. Often encountered by US-connected expats, these financial landmines are more numerous, more hazardous, and less understood than almost anywhere else in the world. As a result, non-cross border professionals, wealth advisors, and even international advisors are often unaware of them. But don't worry, We're the Brits in America has you covered.  We're the Brits in America is dedicated to helping ambitious U.S.-connected expats and immigrants navigate those challenges — and thrive. Whether you've moved to the U.S. for opportunity, or are an American seeking adventure and growth abroad, our job is to equip you with the tools and insights you need to succeed. 

Chris and Amy react to the conversation on the Gashouse Gang with hitting coach Brant Brown; Sheriff Montgomery is in the news for fundraising; why is it taking so long to repair cars?; Did you see this?

Buckle up—because this episode is not just about a restaurant chain. Join Andy Andrews as he delivers a cautionary tale for every leader, every business owner, and really, for all of us: you can't fix a culture problem with white paint and a new logo. And when you try… well, Cracker Barrel just showed the world what happens.” Not many companies can afford to pour almost a billion dollars down the drain with nothing to show for it but embarrassment. Can Cracker Barrel? We'll see...

Last time we spoke about the battle of Lake Tai. In November 1937, as Japanese forces advanced, Nanjing's fate hung in the balance. Commander Tang Shengzhi led the desperate defense amidst disarray among Chinese generals, many advocating retreat. Despite political strife, civilians rallied, fortifying the city, knowing its fall could destroy Chiang Kai-Shek's government. On November 19, Japanese Commander Yanagawa seized the moment, directing his troops towards Nanjing, igniting panic in Tokyo.  As fierce battles erupted around Lake Tai, the Chinese forces, though outmatched in technology, employed guerilla tactics and stubborn resistance. Chinese artillery delivered devastating blows, and bold counterattacks kept Japanese momentum in check. However, as the month closed, the tide turned, logistical challenges and internal chaos hampered communication. The stage was set for one of the darkest chapters of modern Chinese history, where the battle for Nanjing would symbolize the struggle against oppression.   #165 Nanjing Surrounded Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. On December 1st, Jiangyin fell. That same day Japanese Army General Staff Deputy Chief Tada Hayao arrived to the Shanghai region to conduct an inspection of the front lines and personally deliver Tokyo's orders authorizing an assault upon Nanjing. The directive was exceptionally brief: “The Central China Area Army is to attack Nanjing in coordination with the Navy.”  Later that same day, at 7:00 pm more detailed instructions were issued by the Central China Area Army. The 10th Army was set to begin its decisive assault on Nanjing on December 3, advancing along two primary routes toward the capital. The left flank was to advance through Wuhu, while the right flank would move via the city of Lishui. The Shanghai Expeditionary Force, having endured more strain than the 10th Army due to its longer tenure at the front, was scheduled to launch its attack two days later, concentrating its forces around Danyang and Jurong. On December 2nd, Matsui received a promotion, given overall command of the Central China Area Army. The responsibility for the Shanghai Expeditionary Force was entrusted to a recent appointee in the Shanghai theater, Prince Asaka Yasuhiko, a member of the Imperial family. As Matsui noted in his diary that day "It's a great honor”. He promptly issued orders to ensure the prince's comfort and safety by all available means. At the age of 55, Prince Asaka, Emperor Hirohito's uncle, boasted a successful military background, including a tenure at the Japanese embassy in Paris. However, this experience had left its mark on him in two significant ways: he walked with a limp due to a car accident in France and spoke French fluently. Despite his talents and efforts, he did not earn the highest regard from Hirohito. He had not demonstrated the loyalty expected of him during the February 26th Coup attempt in 1936 and had since been met with a cold shoulder from the emperor Command in China presented a crucial opportunity for him to restore his standing in the eyes of Hirohito. Meanwhile over in the capital a war for air supremacy raged. More and more soviet pilots were arriving alongside their Polikarpov I-16 fighters. Exhausted from the long distance travel to Nanjing, the Soviet pilots were given no respite and tossed into the fray, performing 5 sorties in their first day. The Soviets were kept very busy as the Japanese increasingly unleashed raids against the airfields in the Nanjing region. The raids became so intense, the Chinese had to relocate their aircraft to bases hundreds of miles behind the front. While the Polikarpov I-16's were severely hampering the Japanese, suddenly a new adversary emerged. The Mitsubishi A5M fighter, still a prototype was rushed into service to help escort the bombers. This was the predecessor to the legendary A6M Zero fighter. Like I mentioned previously I wrote the Kings and Generals episode on the A6M Zero Fighter's history and over at my patreon I have a hour long podcast on it. Needless to say the A5M changed everything in the theater, taking away the advantage the Soviet fighters had wielded for a brief window of time.  At 9:00 am on December 2, a small customs cruiser waving a swastika flag docked at the Nanjing waterfront after making an overnight journey down the Yangtze River from Wuhan. German Ambassador Oskar Trautmann quickly disembarked, accompanied by embassy councilor Heinz Lautenschlager and Chinese Vice Foreign Minister Xu Mo. Trautmann's mission was so secretive that although he had dined with a secretary from the Italian embassy, an Axis partner just hours before departing from Wuhan, he made no mention of his impending trip.  Despite the secrecy surrounding his visit, news of Trautmann's arrival in Nanjing spread rapidly within the German community. Businessman John Rabe, noted in his diary that day “I assume his return has something to do with Germany's attempt to act as a mediator”. Just before Trautmann's arrival, Chiang Kai-shek had a meeting with his closest advisers, primarily military generals. Vice Foreign Minister Xu briefed those present on the peace conditions proposed by the Japanese nearly a month prior. Many in attendance were hearing these terms for the first time and were startled to discover that Japan did not require reductions in Chinese armaments. Bai Chongxi was the first to speak “If these are the only terms, then why should there be war?” Given that the Japanese proposal seemed to allow for the continuity of the Kuomintang led Chinese nation, the generals present, including Tang Shengzhi, agreed to use it as a basis for negotiations. Later, at 5:00 pm Chiang met with Trautmann. The German diplomat said “I believe it is necessary for China to declare its willingness to discuss the Japanese terms in a conciliatory spirit.” Chiang replied, “I intend to do so, but I also expect the same from Japan.” Chiang then explained that they needed to be addressed for peace talks with Japan to proceed, explicitly stating that he would not accept Japanese control over northern China and that he was unwilling to sacrifice his recent friendship with the Soviet Union to achieve peace with Japan. Having secured Chiang's agreement to initiate talks with Japan, Trautmann promptly returned to the German embassy to report to his superiors in Berlin. He then headed back to the docks, boarding the same vessel that had brought him to Nanjing, traveling back up the dark Yangtze River. One particular concern weighed heavily on Trautmann's mind: a request from Chiang to maintain absolute secrecy regarding the upcoming Sino-Japanese negotiations. Trautmann believed that Germany should support this request. He was convinced that if news leaked about Chiang's willingness to engage with the despised Japanese, it could spell the end of his government in China, allowing the Soviets to take charge. At this time, both the Germans and Japanese feared fragmenting China further. Both wanted the Kuomintang to remain in charge and maintain the status quo as they benefitted from it greatly. Staff officer Kawabe Torashiro after a recent tour of the front lines had this to say, “To dismantle the Chiang regime would leave it in a dire situation, giving it the desperate tenacity of a cornered rat in its struggle against Japan. Whether we destroy it or not, we would ultimately contribute to a fragmented China for many years, one that would be a significant drain on the Empire's resources well into the future.” Meanwhile, the city of Changzhou fell on December 2nd, without any resistance. Private Azuma Shiro landed at Changzhou and was ordered alongside his 20th regiment to prepare an assault upon Danyang,  a walled city located about 25 miles northwest of Changzhou. The road between the two locations was nearly straight, running parallel to the railway connecting Shanghai and Nanjing, allowing the 20th Regiment to make swift progress. Upon arriving at Danyang, Azuma's platoon cautiously approached a bamboo grove concealing a Chinese position. Suddenly, a ZB vz 26 machine gun opened fire. Taking cover, the Japanese soldiers entered a nearby cemetery, where the small grave mounds offered some protection. The platoon's knee mortars responded, firing shells that silenced the machine gun. Seizing the opportunity, they launched their assault, swords raised and bayonets fixed, shouting at the top of their lungs. As they closed the distance to the bamboo grove, the machine gun sliced them down. When they finally reached the trench, they discovered it was already abandoned; the occupants had fled mere moments before. Danyang also fell on December 2, clearing one of the significant obstacles in the 16th Division's path to Jurong. Meanwhile to the south, the 9th Division was advancing from Tianwangsi towards Chunhua village, just miles from the capital, while elements of the 3rd Division were also making significant headway. At the northern end of the front, the Amaya Detachment was approaching the Yangtze port city of Zhenjiang, preparing to cross the river and sweep west along the opposite bank. As Matsui noted in his diary that day “The enemy's entire defensive line has been breached, and their morale has declined sharply. I believe there won't be much fight left in them moving forward”. Although the Shanghai Expeditionary Force had yet to launch its final assault on the capital, the soldiers were managing to advance at an impressive pace. Matsui noted in his diary on December 4th “I plan for an orderly occupation of Nanjing. Before entering the city, we must offer Chiang Kai-shek or the garrison commander the opportunity to surrender. While occupying Nanjing, I hope we can avoid unnecessary damage to the city and harm to the population.” Over in Nanjing, Henri Johan Diederick de Fremery, a Dutch officer serving as an advisor to the Chinese army, had assessed the city's fortifications prior to the war and found them lacking. He noted that coastal batteries had been installed to the north and northeast of the city, including outdated muzzle-loaders. In his report he stated  “They might serve against warship attacks, but who would think of attacking this city with warships?” Although some artillery pieces were positioned along the city wall, they were insufficient in number. Some locations were poorly constructed due to material shortages. For instance, a portion of the wall between Sun Yat-sen Gate and the Gate of Enlightenment had been reinforced with makeshift structures, concrete on the outside and a fragile network of bamboo within. It was a façade that would collapse upon the impact of the first Japanese shell. Natural obstacles like Purple Mountain to the east and the Yuhuatai hills to the south existed, but little was done to incorporate these features into the defensive network. The river, which served as a natural moat, became shallower on the eastern side, allowing for relatively easy crossing. As further noted by de Fremery “Nanking cannot be justifiably termed a heavily defended city”. Meanwhile the Chinese Army was engaged in a frantic effort to prepare for the anticipated Japanese onslaught. Engineers readied to demolish strategic bridges, and in many cases, entire villages were set ablaze, blackening the horizon with thick smoke. Heart-wrenching scenes unfolded as farmers were evicted from homes that had been in their families for generations.  By the end of the first week of winter, distant bombings echoed through the air, with explosions powerful enough to rattle windows within the city. The front lines were alarmingly close, leading to a steady influx of injured Chinese soldiers into Nanjing on foot. A pervasive sense of foreboding enveloped the city. Amidst the gloom, there lingered a belief that despite impending challenges, life would somehow continue. On the morning of December 3, a ship departed from Nanjing, loaded with treasures that represented three millennia of Chinese history. Thousands of crates filled with irreplaceable bronzes, porcelain, paintings, and other art objects were sent upriver. These invaluable items had been moved from Beijing four years earlier and stored in vaults in Nanjing. It was evident that the situation could deteriorate rapidly, leaving little time to respond. On December 5, all US citizens in Nanjing were urged to pack their essential belongings and be prepared to leave the city on short notice. The following day, a final order was issued: all American passport holders were directed to make their way to the Yangtze docks and board a river gunboat awaiting them, the USS Panay. As the Japanese Army advanced westward toward Nanjing, it left behind a horrifying trail of arson, rape, and murder. Helpless civilians who fell into the hands of the victorious soldiers endured brutal treatment that often defied comprehension. Now similar to other episodes I have done on my own channel or Pacific War Week by Week, this is a disclaimer, I am about to talk about some gut wrenching horrifying stuff. We are reaching Nanjing, and yes the infamous massacre is going to be told to the fullest. So warning, its about to get graphic. At the hamlet of Nanqiantou 38 residents were met with atrocities that would become more and more common. The Japanese Army set fire to the twelve homes that comprised the hamlet, forcing the captives to witness the destruction. When some of the residents attempted to escape and salvage their belongings, the soldiers trapped them inside, locking the doors and sealing their fate as the roofs collapsed in flames. Among the victims, two women, one of whom was pregnant, were subjected to repeated rapes. In a particularly gruesome act, the soldiers “cut open the belly of the pregnant woman and gouged out the fetus.” Amid the chaos, a 2 year old boy cried out, and a soldier seized him from his mother's arms, throwing him into the flames. The frantic mother was bayoneted and discarded into a nearby creek. The remaining captives met a similar fate, dragged to the water's edge, stabbed, and pushed into the stream. The 170 miles between Shanghai and Nanjing transformed into a nightmarish wasteland of death and destruction. For miles, the only living beings visible were the deceased. The reputation of the Japanese soldiers preceded them, leading many Chinese civilians to prefer a swift death at their own hands rather than the prospect of a slow demise at the hands of the Japanese. While passing through the town of Pinghu on their way to Nanjing, First Lieutenant Nishizawa Benkichi and his men from the 114th Division spotted two Chinese girls across a river. They appeared to be strolling hand in hand, possibly sisters. As they stepped onto a bridge, the girls began to walk towards the Japanese soldiers but suddenly stopped. Still clasping hands, they jumped into the river, disappearing into the swift current. Military efficiency was accompanied by a staggering brutality, where victories against armed opponents were often followed by the massacre of unarmed women and children. This pattern parallels the incomprehensible behavior of German soldiers on the Eastern Front, though there are significant differences. The Germans viewed themselves as a superior race compared to their Slavic adversaries, labeling them as "untermensch." In contrast, the Japanese could not deny their connections to the Chinese. Japan's historical role as a major influence on Chinese civilization was undeniable, as reflected in aspects as basic as the shared writing system. To many Japanese, their nation's relationship with China resembled that of two brothers, one younger and righteous, the other older and misguided, in need of redemption. Matsui Iwane embodied this perspective. Alongside his military duties, he held a deep interest in fostering cooperation among the peoples of Asia, who he believed remained under the yoke of Western imperialism. Since his youth, Matsui had been captivated by China, and while other ambitious officers sought postings in Western capitals like Paris or London, he applied to serve in China, remaining there for nearly a decade as part of Japan's diplomatic representation. By the 1930s, Matsui's commitment to this pan-Asian vision had gained a political dimension, leading him to become a prominent founder of the Greater Asia Association in 1933. This of course was created mostly through the work of Kanji Ishiwara. What was once a exclusive on my patreon can be found over at Echoes of War or my youtube channel, its a four part series on the life of Ishiwara and it goes into the history of how he tried to forge pan asianism, but ultimately failed against his adversaries like Hideki Tojo. Its fascinating stuff, please if you are interested check it out on youtube and comment where you came from.  This organization, though dominated by Japan, has been described as "probably the single most influential organization propagating Pan-Asianism during the 15 year war. During a visit to China in late 1935, Matsui helped establish the Chinese Greater Asia Association in the northern port city of Tianjin. For individuals like Matsui, Japan's actions on the Asian mainland were akin to liberating its peoples. They viewed the establishment of the Japanese-controlled puppet state, Manchukuo, in northeast China in 1932, as a bold experiment in nation-building, hoping the rest of China would benefit similarly. As Matsui wrote in 1933 “Next, we must also extend to the 400 million people of China the same help and deep sympathy that we provided to Manchuria, relieving them of their miserable condition of political, economic, and intellectual subjugation by various countries of the world.” The violence perpetrated by the Japanese Army stemmed from numerous variables. One was a grotesque belief they were actually liberators to what they deemed, ungrateful Chinese. The Japanese believed their presence in China was partly for the benefit of the Chinese people and felt a messianic obligation to save them. This led to frustration akin to that of a father confronting a disobedient son, compelling them to punish what they perceived as disobedience. While the rank-and-file soldiers might not have reflected deeply on these issues, such philosophies filtered down from their leaders. Of course there is a lot more to it, and sorry again for shamelessly plugging it, but on my patreon I specifically did an episode titled “why the Japanese army was so brutal” where I went through everything involved. It ran from cultural issues, to the brutal system of abuse in the military, to racism, radicalization of male youth in Japan, its a very complicated matter. Because again, most of the atrocities were committed by 20-30 year old grunts who had families back home. This was not like the traditional “I was following orders” type of situation, these were atrocities committed by the lowest ranks upwards.  The safety zone, created by Rabe and a handful of other foreigners, began to take shape in the first week of December. It was officially announced, and four committees were established to manage food, housing, finances, and sanitation. Once the plans for the zone were publicized in local newspapers, scared Chinese civilians flocked to it by the hundreds. From its inception, the zone faced numerous problems. Thousands of bags of rice and flour intended for the future residents of the zone were left unguarded and quickly looted, leading many to assume they had been stolen by military personnel. More troubling were the issues that arose when Chinese military units began digging trenches and setting up field telephones within the safety zone, putting it at heightened risk of a Japanese attack. Chinese officers assured organizers that they would vacate the area, but the delay led to growing frustration among those overseeing the zone. Until all Chinese soldiers withdrew, the organizers could not erect flags to formally designate the area as demilitarized. Although the Japanese refused to officially recognize the safety zone, they pledged to respect it.    Following the outbreak of the battle for Shanghai, the Chinese Red Cross stepped in where military medicine had faltered, establishing first-aid teams and emergency hospitals while ensuring that wounded soldiers were accommodated in existing medical facilities. In October, they opened a 3,000-bed hospital on the campus of the National Central University, staffed by 300 doctors, nurses, and 400 orderlies. By the end of October, the hospital had admitted 1,200 patients and performed over 50 operations daily, primarily amputations. However, as the Japanese forces advanced toward Nanjing, doctors and nurses were evacuated westward along the Yangtze River. The entire Red Cross hospital was dismantled, and at the American Mission Hospital, the staff, which had initially numbered nearly 200 doctors, nurses, and trained personnel, dwindled to just 11 by the onset of winter.  With medical facilities on the brink of collapse, a group of foreigners took the initiative to improve conditions, achieving small victories along the way.  Back at the front, the 10th Army continued their march to Nanjing. On the right flank, the 114th Division had marched through Liyang within hours, covering 40 miles over the next two days to reach Lishui on December 4. Behind them, the 6th Division was still lagging somewhat, struggling to catch up after making a large detour east of Lake Tai. The Kunisaki Detachment was tasked with reaching the Yangtze at Taiping, crossing the river, and heading for Pukou, directly opposite Nanjing, to cut off any retreating Chinese forces. To the left of the 6th and 114th Divisions, the 18th Division received orders on December 2 to march northwest from the Guangde area toward Nanjing. However, when intelligence reports indicated that large numbers of Chinese troops were withdrawing south toward Ningguo, trying to escape encirclement, thus the 18th Division had its mission altered. On December 4, they were instructed to change course and press straight west, aiming to trap as many Chinese soldiers as possible. The residents of Nanjing were jolted awake by the roar of airplanes shortly before 6:00 am on December 7. It was the sound of Chiang Kai-shek and Song Meiling departing the capital. Three days before his departure, Japanese forces had advanced dangerously close, and their shelling had intensified to the point that he was forced to move from his residence on Purple Mountain to a villa belonging to a famous scholar who had since passed away, located within the city walls. While organizing his departure, Chiang kept the morale of the troops and civilians trapped in Nanjing at the forefront of his mind. In his diary, Chiang noted, “Staying in Nanjing until the last moment has not only enabled us to complete military preparations, but it has also boosted the morale of soldiers and civilians alike. The evacuation of necessary material has been carried out without disorder. I cannot imagine what might have happened if I had left ten days earlier.” On one of his last nights in Nanjing, Chiang gathered all officers of major general rank and above at Tang Shengzhi's headquarters in the Railroad Ministry. With the First Lady by his side, he delivered an inspiring pep talk ahead of the impending battle, emphasizing that although the Chinese had faced temporary setbacks, they had managed to strike back at the Japanese forces, thwarting their plans for a swift victory. Additionally, he noted that China had garnered the sympathy and support of the international community. “You're being watched by the entire nation, indeed by the whole world. We cannot abandon Nanjing!” He then formally handed overall responsibility for the defense of the capital to Tang Shengzhi, urging the officers to obey him as they would obey Chiang himself. He insisted that this would not be merely a symbolic fight; a sustained defense of Nanjing could tie down Japanese forces, giving the bulk of the Chinese Army the opportunity to regroup and strengthen. He promised that three divisions, fully equipped and at peak strength, would soon arrive from the southwestern province of Yunnan. He pledged to personally lead them back to Nanjing to break the siege.  Meanwhile on the front of the Shanghai Expeditionary Force, the 16th Division had broken through Chinese lines at the crucial town of Jurong, located 30 miles east of the Nanjing city wall, and was now advancing toward the village of Tangshui. To the south, the 9th Division had reached Chunhua, another strategic town straddling the approaches to the capital. Meanwhile, to the north, soldiers from the 13th Division were crossing the Yangtze River at Zhenjiang to establish a foothold on the other side. Progress was similarly swift in the 10th Army's sector. The 114th Division had advanced all the way to Molingguan, a town less than 20 miles south of Nanjing. The 6th Division, having rushed to the front since the order to capture China's capital had been issued in early December, was expected to arrive later that day. To the south of these two divisions, the 18th Division was set to capture the city of Ningguo while continuing its push toward the Yangtze, effectively completing the encirclement of Nanjing. By December 5th, Matsui and his staff completed its transfer from Shanghai to Suzhou, they issued a general directive for the attack on Nanjing. This order outlined two possible scenarios. In the best-case outcome, the Chinese defenders would surrender and open the city gates. In that event, each Japanese division would send in one battalion to complete the pacification of the city and eliminate any remaining pockets of resistance from soldiers unwilling to capitulate. In the worst-case scenario, if the Chinese commanders disregarded Japanese offers to surrender and prepared for a prolonged defense of their capital, Japan would unleash the full force of its artillery on the city. Each division would then send in one regiment to breach the city gates and engage in a fierce battle, fighting street by street and house by house. It quickly became evident to the Japanese, the Chinese had no intention to simply hand over their capital. New York times correspondent, F Tillman Durdin witnessed action between the recently arrived 154th and 156th divisions from southern China who were quickly encircled atop a cone-shaped peak. “The Japanese set a ring of fire around the peak. The flames, consuming trees and grass, gradually crept closer and closer to the summit, forcing the Chinese upward until, huddled together, they were mercilessly machine-gunned to death.” As the Japanese troops closed in on Nanjing, the level of destruction left in the wake of the Chinese defenders became increasingly apparent. Near the capital, hardly a bridge remained intact as efforts intensified to hinder the invaders. The rush to reach Nanjing heightened rivalries within the Japanese Army. In early December, soldiers from the 16th Infantry Division traversed hilly terrain at what they believed was a vigorous pace. Suddenly, to their left, they spotted a parallel column of Japanese soldiers, quickly identifying them as members of the 9th Infantry Division's 35th Regiment. The company commander shouted “Don't let the 35th beat us to Nanjing! Get moving!”  Cities, towns, villages, and hamlets lay in the path of Japan's multifaceted advance on Nanjing. Some areas fell without much resistance, while others were fiercely defended by Chinese soldiers determined to hold their ground until the end. Chunhua, a town located roughly 15 miles southeast of Nanjing, was among the latter. The town was defended by troops from the Chinese 51st Infantry Division, who had participated in some of the toughest battles around Shanghai during the autumn months. The 51st Division found its withdrawal to Nanjing cut off by fast-moving Japanese columns. Only with the assistance of local civilians were various units able to sneak back to the capital, filtering through enemy lines. Upon arrival, the division's soldiers had hoped for a chance to cross the Yangtze for much-needed rest. Instead, Chiang Kai-shek ordered them to immediately reinforce the defenses at Chunhua. As the troops arrived in Chunhua village in early December, they were dismayed to find the pillboxes in disrepair. Some bunkers had been buried too deep to function effectively as defensive structures, while others had excessively large embrasures that offered little to no protection from enemy fire. Most frustratingly, keys to the bunkers were often missing, making entry problematic. The division worked tirelessly to improve their positions using whatever materials could be requisitioned from the area, but time was too short to bring the defenses up to the standard the commanders desired. Nonetheless, they achieved significant upgrades: three lines of defenses in front of Chunhua, centered around several pillboxes; two rows of barbed wire; and an antitank ditch to complicate any advance. Hidden machine gun nests also provided surprises for the Japanese infantry. On December 4, the Japanese vanguard, a column of about 500 soldiers from the 9th Division, was spotted, and over the next two days, the solitary company at Shuhu endured intense assaults. The Chinese dispatched an armored platoon as temporary reinforcements, marking one of the rare instances when Chinese tanks confronted Japanese infantry directly. The Chinese lost three armored vehicles, while the Japanese reported around 40 casualties among their infantry. By the afternoon of December 6, the surviving Chinese soldiers at Shuhu, numbering fewer than 30, abandoned their positions and fought their way back to Chunhua, leaving their fallen comrades behind. Advancing units of Japan's 9th Division closely followed, initially avoiding contact with the Chinese defenses to conduct reconnaissance. Based on their observations, the Japanese concluded that although the Chinese defenses appeared well-prepared, they were thinly manned. Costly fighting resulted in the Japanese gaining control over only the first of the three Chinese defense lines. Determined to capture the next two lines, they once again depended heavily on their artillery.  In several sectors along the front, soldiers of the 9th Japanese Division found themselves caught in the deadly crossfire of Chinese machine guns, creating a virtual kill zone from which there was no escape. For the Chinese defenders, the conditions were equally horrific. As recalled by the commander of the Chinese 51st division, Wang Yaowu “The shelling was incessant. Body parts were flying through the air. Some men lost legs, others arms. Brains were splattered everywhere”. The division's 301st Regiment, which bore the brunt of the battle, suffered approximately 1,500 casualties among its officers and soldiers. On the second day of the battle for Chunhua, December 7, their left flank made some gains, penetrating the area behind the village. The breakthrough, however, came in the afternoon of December 8 when an entire regiment that had been lagging behind the rest of the 9th Division arrived just in time to join the fight. This bolstered the morale of the Japanese troops and provided momentum to their attack. By the end of that day, Chunhua was firmly under Japanese control. 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. As the Japanese forces advanced, Nanjing's fate teetered on the brink. Commander Tang Shengzhi led a beleaguered defense amidst chaos, while civilians fortified the city, aware of its significance. On December 1, General Matsui officially ordered an assault on Nanjing. As Japanese troops closed in, brutality loomed on the horizon, heralding one of China's darkest chapters in its fight against oppression.

Today we're talking about something that can make or break your financial future–your long-term savings.    Most of us know we should be saving for retirement, a house, or our kids' education.    But along the way, a lot of people make some big mistakes without even realizing it.   Today I'm going to share three common mistakes people make with their long-term savings, and how you can avoid them. Let's jump in.  

For serious gamefowl breeders and poultry keepers, molt isn't just a downtime — it's a genetic checkpoint and a vital phase that shapes your birds' future health, performance, and breeding value. Yet many breeders unknowingly sabotage this crucial period with one common misstep: dropping protein and cutting weight too aggressively. In this episode, we break down: What actually happens during the molt — physically, nutritionally, and behaviorally The risks of underfeeding fit birds during feather regrowth Why dropping protein and forcing weight loss can lead to brittle feathers, extended molt duration, weakened immunity, and long-term performance decline Smart, supportive strategies to help your birds recover fast and come back stronger How proper molt management preserves your bloodline's resilience, immune strength, and conditioning foundation Whether you're aiming to maintain show-quality birds or prepare top-performing gamefowl for next season, understanding how to feed, condition, and support your flock during molt is non-negotiable. This isn't just a feeding issue — it's a breeding strategy. Key Takeaway: Don't starve your birds to "reset" them — support them to rebuild stronger. Feed smart. Condition wisely. Breed for resilience. Let the molt reveal the strength of your line — not the weaknesses of your management. Make sure to follow and watch our future shows. We plan to dive deep into the world of breeding and genetics, nutrition and health management, and provide essential tips, so you too can create high quality strains.  Whether you're breeding domestic chickens, gamefowl, or various types of livestock, this show is for you.  Join us on Bred to Perfection Live, Friday's at 6pm PST or 9pm EST on YouTube, as we discuss the benefits of creating your own strain. See ya there! Kenny Troiano Founder of "The Breeders Academy"  We specialize in breeding, and breeding related topics. This includes proper selection practices and the use of proven breeding programs. It is our mission to provide our followers and members a greater understanding of poultry breeding, poultry genetics, poultry health care and disease prevention, and how to improve the production and performance ability of your fowl.  If you are interested in creating a strain, or improving your established strain, you are in the right place.  We also want to encourage you to join us at the Breeders Academy, where we will not only help you increase your knowledge of breeding and advance your skills as a breeder, but improve the quality and performance of your fowl. If you would like to learn more, go to: https://www.breedersacademy.com

Ohio State edges out Texas 14-7 in a defensive slugfest between two top-3 teams. Host Nick Shuley is joined by Lifetime Longhorn legends Adrian Phillips, Aaron Williams, and Jackson Jeffcoat for a live postgame breakdown of the biggest game of the season.The crew dives into:Arch Manning's struggles against Ohio State's defenseWhy both defenses dominated the nightHow costly penalties swung momentum away from TexasWhat this loss means for Texas moving forward in 2025Join the 3rd & Longhorn team as we give you insider analysis, unfiltered takes, and what to expect from the Longhorns the rest of the season. Don't forget to like, comment, and subscribe for more Texas Football coverage every week!Derrick Johnson: https://www.instagram.com/superdj56Alex Okafor: https://www.instagram.com/alexokaforJeremy Hills: https://www.instagram.com/jhills5Fozzy Whittaker: https://www.instagram.com/fozzywhittRod Babers: https://www.instagram.com/rodbabersNick Shuley: https://www.instagram.com/nickshuley

What really happens when one spouse passes away? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray break down one of retirement's most difficult—but essential—topics: preparing financially and legally for the loss of a spouse. You'll learn: - The must-have estate documents (wills, trusts, powers of attorney, and healthcare directives) - The “pour-over” provision that helps families avoid probate nightmares - How Social Security, pensions, and taxes change for a surviving spouse - Why compensation clauses and unclear distribution instructions can tear families apart - Steps to protect income, minimize taxes, and create a smooth transition Planning ahead means your spouse and children are cared for—and your legacy is preserved without unnecessary stress or conflict.

Welcome back to the Know Your Numbers REI podcast! In this episode, host Chris McCormack dives into the second costly mistake people make regarding their taxes: treating a brokerage account like a retirement plan.Join us as we explore the implications of investing in brokerage and cryptocurrency accounts without considering the tax consequences. Chris shares personal experiences and insights from clients to highlight the importance of understanding how taxes can impact your investment returns.Learn about more tax-friendly alternatives, such as Roth IRAs and cash value life insurance, that can help you maximize your savings and minimize your tax burden. Discover how proper planning can lead to greater peace of mind and financial security in retirement.If you find this episode valuable, please share it with friends and leave us a five-star rating and review! Don't forget to follow our Spotify and Apple podcast channel for more weekly content.Stay tuned for next week's episode, where we'll continue our discussion on the seven costly tax mistakes, focusing on real estate-specific strategies.God bless you and keep moving forward!••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

For many retirees, Medicare feels like a maze of rules, parts, and choices that only get more confusing the closer you get to age 65. In this episode, Jude is joined by Medicare specialist Kerwyn Jones to bring clarity to one of the most misunderstood pieces of retirement planning. Kerwyn explains the different parts of Medicare- what they cover, what they don't, and the common pitfalls people make when signing up. Here's some of what we discuss in this episode:

I'll never forget the time I asked a factory to “just move the pen and scissors down a little” on a packaging layout. What came back? A sample where the entire arrangement was totally rearranged and the design I'd worked so hard on was completely off. Communicating with factories is one of the most exciting parts of the toy-making journey, but one vague email can lead to total toy-making mayhem.If you're not specific, clear, and intentional with your feedback, even tiny comments can snowball into major delays, color mismatches, or products that completely miss the mark.In this episode of Making It in the Toy Industry, I'm breaking down the three most common mistakes new toy makers make when working with overseas factories and how to avoid them with confidence.Inside this episode, you'll learn:Why vague feedback like “a little shorter” can lead to big problems (and what to say instead).The reason Pantone colors are your best friend in product development.How rushing to approve samples from photos or video can completely backfire.What a pre-production sample is and why it's absolutely essential.If you've ever felt unsure about what to say to a factory, how to give feedback, or when to say “go,” this episode is your crash course in clear communication and smart production practices. It's packed with tips that will save you serious time (and money) as you scale your toy business.Listen for These Important Moments[00:01:05] -  How using Pantone colors protects you from costly color mismatches and miscommunication with your factory.[00:09:52] - Discover why vague comments lead to bad samples and how to give clear, factory-friendly directions that save time and money.[00:14:37] - Hear my story of how one vague request wrecked an entire product layout and how you can avoid the same frustrating (and expensive) result.[00:16:55] - Find out why approving samples from photos or videos is a huge risk and what has to happen before you say “go” to production.[00:21:10] - Learn how hands-on sample reviews reveal hidden issues with materials, weight, or function and how this one step can prevent bad reviews, safety issues, and recalls.Send The Toy Coach Fan Mail!Support the showPopular Masterclass! How To Make & Sell Your Toy IdeasYour Low-Stress, Start-To-Finish Playful Product Launch In 5 Steps >> https://learn.thetoycoach.com/masterclass

Toby Potter is the Founder of Global Integrity Finance and the go-to expert for real estate investors who want to build sustainable wealth without making costly mistakes. Known for transforming struggling investors into confident real estate tycoons, Toby offers strategic partnerships and financing solutions that traditional banks won't—empowering his clients to thrive where others fail. With over 7,000 investor success stories, Toby's proven system consistently helps everyday investors become powerful wealth builders. From humble beginnings as a dairy farm kid with just $600 in his pocket, he rose to build a real estate empire—only to lose it all in the 2008 crash. Refusing to be defeated, Toby rebuilt from the ground up and emerged stronger than ever, earning accolades such as Private Lender of the Year and a coveted spot on the INC 5000 Top 100 Fastest-Growing Companies list. Unlike so-called “gurus” who sell hype, Toby delivers battle-tested strategies that work. He teaches investors how to command capital instead of being controlled by it, building real, lasting wealth without relying on empty promises. Whether you're a new investor or ready to scale, Toby Potter is the trusted partner you need to unlock your financial future. During the show we discussed: Why investors fail in real estate 90% financing on fix & flips Building a portfolio with financing Training to succeed in real estate Finding the right partner Steps before your first deal Starting with wholesaling Launching Global Integrity Finance after 2008 Commanding financing vs. being controlled Creative non-bank financing options Building a portfolio without your own money Deal structure for self-funding portfolios Mindset shifts for success Costly mistakes when scaling Ensuring properties add cash flow Partnerships in scaling wealth Driving mission to help others build wealth Resources: globalintegrityinvestment.com  

In this Leadership Table session, Dr. Joseph Mattera unpacks one of the most urgent issues facing the modern Church—the separation of spiritual charisma from the crucified life.   Too often, leaders build ministries on gifting, personality, and platform while neglecting the refining work of the cross. When charisma is divorced from character, compromise is inevitable.   In this episode, Joseph outlines 12 sobering consequences that emerge when we prioritize influence over intimacy with Christ—including moral failures, distorted gospel messages, and a generation discipled by hype instead of holiness.   This is a critical conversation for pastors, leaders, and believers seeking to build ministries—and lives—that can stand the test of time.  

As America faces a critical shortage of skilled workers, StrataTech Education Group is stepping up to provide students with the innovative training and technology they need to succeed, regardless of their background. President and CEO, Mary Kelly, joins host Jason Altmire to share how StrataTech's trade schools are opening doors to opportunity through cutting edge-programs, including virtual reality welding simulations with Oculus headsets and the integration of robotic welding systems known as “cobots.” Just as important, Kelly highlights the strong culture of support and accountability that ensures students are prepared not only to graduate, but to thrive in their careers. With more than 6,000 graduates each year and a 90% placement rate, StrataTech has become a model for how career education can deliver meaningful ROI and life-changing results.To learn more about Career Education Colleges & Universities, visit our website. Sponsored by LeadSquared. Most enrollment platforms just aren't built for the fast-moving world of career schools.The result? Costly consultants, long implementations, and systems that don't talk to each other.LeadSquared is different. It's designed just for career schools—with AI-powered workflows, fast speed-to-lead, and seamless integrations.Implementation happens in weeks, not months—by in-house education experts who actually understand your business. No outside consultants. No inflated costs. In fact, LeadSquared's total cost of ownership is just one-third of traditional systems.That's why over 800 education institutions worldwide trust LeadSquared—not just as software, but as a partner.Visit leadsquared.com to learn more.

We discuss the news of Tyreek Hill's divorce being finalized and his ex who scored big in the settlement. The conversation gets into should she get all that money for his unfaithful behavior?

Food prices are going up at their fastest rate for 18 months - according to new data. We gain insight from a carrot farmer as to why that is. And when was the last time you bought or rented a musical instrument? We take a look at why it might be getting harder to do that at a high street shop.

In this episode of the Real Estate Pro Show, host Erika interviews Richard Wayland, a seasoned real estate professional and founder of the Imagination Brokerage. Richard shares his journey from the restaurant industry to real estate, his investment strategies in the Ohio market, and the unique approach of his brokerage. He discusses the importance of understanding market trends, common misconceptions about real estate agents, and the significance of building strong relationships in the industry. Richard also reflects on lessons learned from past mistakes and shares exciting future projects aimed at community revitalization and affordable housing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

We face a disciplinary crisis as the twin pillars of Game Theory and Gurometry are called into question.The full episode is available to Patreon subscribers (1 hour, 35 minutes).Join us at: https://www.patreon.com/DecodingTheGurusSupplementary Material 3500:05 Introduction 01:52 Matt's Apology06:55 Just Life...12:34 Matt's Foodie Corner 14:01 Dedunking Dan Richards finds Sabine16:37 Sabine cultivates parasocial defenders18:16 Ana Kasparian gets deeper into ZOG conspiracies24:44 Gary vs Game Theory40:26 Support the Channel to Save the World47:10 Bryan Johnson and Methylene blue51:52 Scientific Cosplay Online53:51 Keith Rainiere and Sensemaking Parallels54:57 High IQ YoungHoon Kim tweets about proof of God56:19 Guru and Cult Leader Parallels01:01:13 The Validity of the Gurometer in Question?!?01:03:03 Hacking Social Heuristics01:07:38 Cult Leaders vs Secular Gurus01:12:33 Anti-Democratic moves by Trump01:15:03 Dan Carlin on Trump01:18:30 Streamers Talking Nonsense: Hasan on ISIS01:21:24 Ideological Fixation and Motivated Conspiracism01:27:22 OutroSourcesThe Cushendun Sea Caves from Game of ThronesKingdom Come: Deliverance 2 is Boosting TourismDeDunking: Eric Weinstein's Theory — Real Physicist vs Pseudo PoserAna Kasparian tweeting about the “Zionist Occupied Government”Gary's Economics: Game Theory is BrokenCritical Reddit thread on Gary's Game Theory videoHenrich, J., McElreath, R., Barr, A., Ensminger, J., Barrett, C., Bolyanatz, A., ... & Ziker, J. (2006). Costly punishment across human societies. Science, 312(5781), 1767–1770.The Selfish Gene, Chapter 12: Nice Guys Finish First (Richard Dawkins)High IQ YoungHoon Kim tweets about proof of GodI was Jordan Peterson's strongest supporter. Now I think he's dangerousDan Carlin's tweet about TrumpBBC: National Guard troops appear in Washington DC as mayor rejects Trump's 'authoritarian push'Nathan Baker: Keith Raniere, Ringleader of NXIVM Sex Slave Cult, Interviewed by Allison Mack, Top Cult...

The news to know for Monday, August 18, 2025! We'll tell you about some of the most powerful leaders in the world coming to America's capital today, as President Trump suggests new terms to end the war in Ukraine. Also, where Hurricane Erin is expected to impact late-summer travelers this week. And why hundreds of protests happened across the U.S. over the weekend. Plus: how one conservative state is trying to identify liberal teachers, how much money AT&T customers could be entitled to in a new settlement, and how Scottie Scheffler completed a feat no other golfer has pulled off since Tiger Woods.   Those stories and even more news to know in about 10 minutes!    Join us every Mon-Fri for more daily news roundups!  See sources: https://www.theNewsWorthy.com/shownotes Become an INSIDER to get AD-FREE episodes here: https://www.theNewsWorthy.com/insider Sign-up for our Friday EMAIL here: https://www.theNewsWorthy.com/email Get The NewsWorthy MERCH here: https://thenewsworthy.dashery.com/ Sponsors: Go to https://www.cookunity.com/newsworthyfree for Free Premium Meals for Life. Thanks to CookUnity for supporting the show! Get 15% off OneSkin with the code NEWSWORTHY at https://www.oneskin.co/ #oneskinpod To advertise on our podcast, please reach out to ad-sales@libsyn.com    

The Other Side of the Story with Tom Harris and Todd Royal – The Trump administration moves to end costly and dangerous carbon dioxide storage schemes, challenging the flawed logic behind Carbon Capture and Storage. Dr. Sterling Burnett of The Heartland Institute explains why CO2 is not a threat, how storage projects pose risks, and why using CO2 only for enhanced oil recovery makes practical and economic sense...

Alignment doesn't eliminate cost, but it secures covering. Learn how God's protection holds you steady in the weight of obedience when growth stretches further than expected.You said yes.You obeyed.And now you feel the stretch more deeply than you expected.In this Sunday episode of Identity-Level Recalibration, Julie Holly brings vertical clarity into one of the most costly — and most misunderstood — phases of recalibration: the spiritual tension of costly obedience.Julie reframes the weight not as evidence of misalignment, but as an invitation to deeper covering and dependency. You'll see why growth requires spiritual recalibration alongside nervous system and identity alignment — and why covering is active even when provision hasn't fully arrived.She shares personal stories of walking through these stretches in her own obedience journey, along with the story of Paul — a man who lived recalibration at both human and eternal levels.This episode helps leaders move from fear of exposure to full trust in God's covering — even when the stretch remains.In This Episode, We Cover:Why alignment often stretches further than you expectedWhy cost doesn't automatically mean misalignmentILR's full integration of identity, nervous system, and vertical alignmentThe difference between emotional weight and spiritual coveringJulie Holly's personal stories of costly obedience in her ILR journeyPaul's recalibration and enduring obedience despite uncertainty (Acts 9 and beyond)Psalm 91:4 and Psalm 139:5 — God's covering imagery during growthHow dependency creates deeper spiritual stability during leadership recalibrationToday's Micro-Recalibration:Ask yourself:Where have I misinterpreted cost as abandonment?Where do I need to re-anchor my trust that covering is already being provided?Reframe: The cost may feel heavy, but I am not exposed. I am covered — behind, before, and within.If this episode gave you language you've been missing, please rate and review the show so more high-capacity humans can find it. Explore Identity-Level Recalibration→ Follow Julie Holly on LinkedIn for more recalibration insights → Schedule a conversation with Julie to see if The Recalibration is a fit for you → Download the Misalignment Audit → Subscribe to the weekly newsletter → Join the waitlist for the next Recalibration cohort This isn't therapy. This isn't coaching. This is identity recalibration — and it changes everything.