Podcasts about Estimates

Travel season is approaching fast!  Anna & Raven review one of the most important aspects of all – the top travel snacks! Are you up to date on this week's biggest news story? Anna and Raven will get you caught up on what's trending, including why one expert thinks today is the day for aliens to make contact, and also a research monkey jailbreak! If the aliens do land today, or any day, where are the Top 5 places to hide?  Anna & Raven learn some new strategies! It's Candy Autopsy! Anna and her witch voice describe the ingredients of a popular candy, and a lucky contestant has a chance to win a $50 Target Gift Card by guessing correctly! John Kozik from the Salem Witchboard Museum joins Anna & Raven to give them an overview of the history of the Ouija Board! All Raven wants for Halloween is more kids coming to his house for candy!  Anna tries to help him develop a plan for a bigger bash! Estimates say 4% - 8% of all people have had a near-death experience!  Anna & Raven hear incredible stories, from funny to breathtaking! Couples Court - Amber and Damian's 17-year-old daughter is begging them to have a Halloween party on Friday night in their backyard. She promises that everyone will stay outside and will leave by midnight. Mom is for it and thinks it'll be fine. What's the difference if 50 kids hang out in their yard with a fire pit and some chips and soda? Dad says no way. They're 17-year-olds, they're going to drink, it's Halloween night and bad stuff will happen. She can have four friends inside the house, no party. He mentions that they also won't be home until late because they have plans already.  Whose side are you on?  Listen to both sides, and you be the judge! TJ has a shot at $2200!  All he has to do is take down Raven in pop culture in Can't Beat Raven!

A visitor from far beyond the solar system is getting better acquainted with the Sun this week. Tomorrow, it’ll make its closest approach to the Sun – just 126 million miles. After that, it’ll head back toward interstellar space. The visitor is 3I/ATLAS. It was discovered on July 1st by an automated telescope that looks for comets and asteroids. Calculations of its orbit quickly showed that it came from outside the solar system. That makes it the third known visitor from interstellar space. It originated in the galaxy’s “thick disk.” That’s a region that sandwiches our part of the disk. It contains stars that are far older than the Sun. Estimates say 3I/ATLAS could be three billion years older than the solar system, so it could preserve a chemical record of an earlier era in galactic history. 3I/ATLAS is a comet – a ball of rock and frozen gases a few miles in diameter. As it’s closed in on the Sun, some of its gas has vaporized, releasing bits of dust as well. Observations will reveal the composition of this material, telling astronomers about conditions in the region where it formed. Unfortunately, astronomers can’t see 3I/ATLAS at all right now – it’s hidden in the Sun’s glare. It’ll return to view in December – but only when viewed through a telescope. It’ll pass closest to Earth on December 19th – almost 170 million miles away. Script by Damond Benningfield

When the going gets tough—and the battles don't end as quickly as we hoped—it's easy to grow weary and discouraged. That's where Israel found themselves in Joshua 11. Victory didn't come in a single day or even a single campaign. It took years of relentless struggle.After conquering the land in central and southern Canaan, Joshua turned his focus to the north. There, he was confronted by a huge coalition army. Not only was Joshua outnumbered 7-to-1, but for the first time in battle, he faced horses and chariots—terrifying and effective war machines of the Bronze Age.Yet despite the odds, Joshua and his army ultimately triumphed. It didn't happen easily, and it didn't happen quickly. Estimates are that the Northern Campaign took more than seven years – seven painful, bloody years.Here's what we need to understand.  There is no record in chapter 11 of any sort of dramatic supernatural intervention. No rivers that parted…no walls that fell down…no hail from the sky…and no sun standing still.  For seven long years, God's people had to fight day after day after day.And that's something we need to grasp in our day.Sometimes God demonstrates that He is with us by moving in dramatic ways, which result in a quick victory. Other times, God demonstrates that He is with us by enabling us to doggedly fight on over the long haul.What can we learn from Joshua that can help us keep going when the going gets tough? 1.     Joshua demonstrated an unwavering trust in God. Joshua trusted that the God who had promised him ultimate victory would eventually take him there—even though there was pain and struggle along the way. Courageous faith soldiers on.  2.     Joshua demonstrated an uncompromising obedience to God. When the going gets tough, it's easy to begin cutting corners. A bit of compromise here or there. But Joshua recognized that the end does not justify the means. Obeying, even when it was difficult or didn't make sense, was the key to success.3.     Joshua demonstrated an unfaltering perseverance with God. When the going gets tough, it's no easy thing to keep on fighting day after day after day. Yet, during those long years of struggle and battle, Joshua never gave in…he never gave out…he never gave up.  And in the end, he realized victory. Text: Joshua 11 Originally recorded on October 30, 2016, at Fellowship Missionary Church, Fort Wayne, IN

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-good-morning-portugal-podcast-with-carl-munson--2903992/support.Let us help you find YOUR home in Portugal...Whether you are looking to BUY, RENT or SCOUT, reach out to Carl Munson and connect with the biggest and best network of professionals that have come together through Good Morning Portugal! over the last five years that have seen Portugal's meteoric rise in popularity.Simply contact Carl by phone/WhatsApp on (00 351) 913 590 303, email carl@carlmunson.com or enter your details at www.goodmorningportugal.com And join The Portugal Club FREE here - www.theportugalclub.com

The Grump Strategists move back into their renovated bunker deep in the Brindabellas to assess the finely-managed Albanese-Trump meeting. Full marks to PM Albanese & Ambassador Rudd for stage managing & delivering the meeting. The critical minerals deal has been celebrated as historic. It was a delightfully cheap distraction from tricky questions about Australian defence spending. But the bigger issues the meeting surfaced cut to the core of Indo Pacific security and Australian assumptions about a joint allied strategy focused on China. Meanwhile, back in sunny Canberra, Estimates hearings in the Parliament give some pearls about SSN-AUKUS design maturity, defence recruiting and the Aust-PNG Defence Treaty.

Netflix, with earnings that often set the tone, fell sharply after bottom-line growth fell short due to a one-time issue. Tesla rolls out of the garage after today's close.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1025) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brett Feldman from AT&T (T) reflects on the latest quarter on Next Gen investing. He highlights strong customer growth year over year and above Street estimates. “Our success was not limited to our mobility business,” he adds, turning to better-than-expected broadband customers. He notes that they don't lead in market share despite making the most investments in their business, and that creates a “huge opportunity” to grow. “We are a pure execution story.”======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

AP correspondent Charles de Ledesma reports rebuilding Syria after over a decade of civil war is expected to cost about $216 billion, the World Bank estimates.

Connor and Ace give you the recap of the previous week in K-State sports, including a top recruiting class in the nation and new TV schedule announcements

This week Sam discusses the Michelin Guide's announcement that they will be launching a global wine-ranking system, a new grape variety authorised for champagne, a new Vino de Pago for Spain, New Zealand's wine exports, France's new yield estimate and new research on how bacterial injections can help fight esca, a grapevine trunk disease. You can read the transcript of this newscast (with linked news sources) at https://www.jancisrobinson.com/articles/michelin-takes-wine-frances-yield-estimates-fall-ukrainian-wine-stolen-london.

Stephen Grootes speaks to Musa Mabesa, Principal Executive Officer at the GEPF, about the Fund’s implementation of revised actuarial factors, effective 1 October 2025. Based on the March 2024 valuation and following consultations with labour unions, the updated factors are on average 15% lower than the 2021 figures. This means members will see reduced estimated withdrawal benefits on their statements, except for death and retirement benefits, reflecting the current value of their benefits if they exit the Fund before retirement. 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.

Cherry growers here in the Pacific Northwest wound up topping early season estimates for what turned out to be one of their more productive seasons.

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comTwo items on the agenda today.First, my interview with Konstantin Kisin and Francis Foster for Triggernometry has been released. Here it is on YouTube, Spotify and Apple PodcastsSecond, using a different methodology to that which I used in Secret History of Gold (have you read it yet?), I am going to estimate China's gold reserves.I was planning to take a look at top silver pick, Sierra Madre Gold and Silver (TSX-V:SM) today, after my meeting with CEO Alex Langer last week, but I will leave that till tomorrow now, meaning you get an extra piece this week you lucky things.China's Hidden Gold Empire: How Much Does Beijing Really Hold?I regard this as one of the most important subjects in geo-politics, which is why I repeatedly come back to it.It doesn't matter if you issue the global reserve currency, if you don't make anything you are in the doo-doo, and this is something the Trump administration is attempting to address with tariffs, a weaker dollar and, more subtly, the managed decline of the US dollar as global reserve currency. It's all part of Triffin's Dilemma. As a result, neutral gold's role as global reserve asset is re-surging.History's “golden” rule will soon apply again: he who has the gold makes the rules. (If you are interested in the origins of the phrase by the way, it's all here).This different methodology only came to me overnight, and I don't know what the conclusion will be yet, though I suspect it will arrive at a figure which is more conservative than what I have argued previously. Here we go.Here, for context, are world central bank holdings, as officially stated.My argument has long been that China has considerably more than the 2,300 tonnes it says it does.The People's Bank of China (PBOC), by the way, is the main custodian, but other state entities, such as China Investment Corporation (the sovereign wealth fund), State Administration of Foreign Exchange and the army also own gold.Remember China is the world's largest importer of gold, the largest consumer and the largest producer. it's been that since 2007 when it overtook South Africa.I am going to use round numbers, as they are more digestible, and when there is a spread - eg 500-1,000 tonnes, take the middle number, ie 750 tonnes.It is impossible to know just how much gold China has imported, because so many transactions are private, particularly those which go through London, Switzerland or Dubai. The Hong Kong gold is better disclosed.However, most - though not all - of the gold which goes to China goes through the Shanghai Gold Exchange (SGE). SGE withdrawals from 2007 to mid 2025 total 29,500-30,000 tonnes, based on aggregated data from the Shanghai Gold Exchange (SGE) and World Gold Council (WGC) reports.However, the SGE is just a flow metric. It does not represent total consumption. Some of that gold which passes through will have been double counted, either as a result of re-selling and re-cycling, or because of China's booming money-laundering business and the circular trade with Hong Kong. Estimates for double-counting range from 10% (World Gold Council) to 30% (analyst Koos Jansen). Let's take the middle 20% figure - 6,000 tonnes - and that leaves us with 23,250 tonnes of SGE gold.Undisclosed goldThe PBOC likes 400oz bars, as traded in London, and these do not trade on the SGE, which uses smaller kilo bars, 3kg or 12.5kg bars. 400oz is about 12.4kg by the way. So a lot of those London imports will not go through the SGE, and so are in addition to the numbers above.Analysts mostly concur that, while reported imports via London, Switzerland and Dubai total 3,500-4,500 tonnes, another 2,000-3,000 tonnes (mostly post-2009, accelerating since 2022) have gone unreported.2,500 tonnes is the middle figure, then. Add that to the 23,250 tonnes of SGE and our total is now 25,750 tonnes.If you live in a Third World country, such as the UK, I urge you to own gold or silver. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. More here.Chinese gold productionAround 55% of Chinese gold production is state owned, and this century China has mined roughly 7,500 tonnes.70-80% of Chinese production is sold through the Shanghai Gold Exchange (SGE) - so we have already counted that - the other 20-30% goes to the state.Using estimates from the mid-range. 25% of those 7,500 tonnes, therefore - 1,875 tonnes - has gone to the state. The rest has been sold through the SGE.Add 1,875 tonnes to the total and we are at 27,625 tonnes.By the way, I have not included overseas Chinese gold production, of which there is a lot. Some of this product is sold on international markets and never actually reaches China. But what does reach China gets sold through the SGE and so has already been counted.Finally, we have to add in gold held in China, whether as bullion or jewellery, prior to 2000. The World Gold Council estimates a figure of 2,500 tonnes in privately-held jewellery. Added to domestic mining and official reserves, you get a figure of around 4,000 tonnes.This brings our grand total to 31,625 tonnes of gold in China.Putting it all togetherPreviously, I have argued that 50% of that gold would go to the state. That would mean roughly 16,000 tonnes. Almost twice as much as the US's reported 8,100 tonnes! When audit?My thinking has changed.

Two items on the agenda today.First, my interview with Konstantin Kisin and Francis Foster for Triggernometry has been released. Here it is on YouTube, Spotify and Apple PodcastsSecond, using a different methodology to that which I used in Secret History of Gold (have you read it yet?), I am going to estimate China's gold reserves.I was planning to take a look at top silver pick, Sierra Madre Gold and Silver (TSX-V:SM) today, after my meeting with CEO Alex Langer last week, but I will leave that till tomorrow now, meaning you get an extra piece this week you lucky things.China's Hidden Gold Empire: How Much Does Beijing Really Hold?I regard this as one of the most important subjects in geo-politics, which is why I repeatedly come back to it.It doesn't matter if you issue the global reserve currency, if you don't make anything you are in the doo-doo, and this is something the Trump administration is attempting to address with tariffs, a weaker dollar and, more subtly, the managed decline of the US dollar as global reserve currency. It's all part of Triffin's Dilemma. As a result, neutral gold's role as global reserve asset is re-surging.History's “golden” rule will soon apply again: he who has the gold makes the rules. (If you are interested in the origins of the phrase by the way, it's all here).This different methodology only came to me overnight, and I don't know what the conclusion will be yet, though I suspect it will arrive at a figure which is more conservative than what I have argued previously. Here we go.Here, for context, are world central bank holdings, as officially stated.My argument has long been that China has considerably more than the 2,300 tonnes it says it does.The People's Bank of China (PBOC), by the way, is the main custodian, but other state entities, such as China Investment Corporation (the sovereign wealth fund), State Administration of Foreign Exchange and the army also own gold.Remember China is the world's largest importer of gold, the largest consumer and the largest producer. it's been that since 2007 when it overtook South Africa.I am going to use round numbers, as they are more digestible, and when there is a spread - eg 500-1,000 tonnes, take the middle number, ie 750 tonnes.It is impossible to know just how much gold China has imported, because so many transactions are private, particularly those which go through London, Switzerland or Dubai. The Hong Kong gold is better disclosed.However, most - though not all - of the gold which goes to China goes through the Shanghai Gold Exchange (SGE). SGE withdrawals from 2007 to mid 2025 total 29,500-30,000 tonnes, based on aggregated data from the Shanghai Gold Exchange (SGE) and World Gold Council (WGC) reports.However, the SGE is just a flow metric. It does not represent total consumption. Some of that gold which passes through will have been double counted, either as a result of re-selling and re-cycling, or because of China's booming money-laundering business and the circular trade with Hong Kong. Estimates for double-counting range from 10% (World Gold Council) to 30% (analyst Koos Jansen). Let's take the middle 20% figure - 6,000 tonnes - and that leaves us with 23,250 tonnes of SGE gold.Undisclosed goldThe PBOC likes 400oz bars, as traded in London, and these do not trade on the SGE, which uses smaller kilo bars, 3kg or 12.5kg bars. 400oz is about 12.4kg by the way. So a lot of those London imports will not go through the SGE, and so are in addition to the numbers above.Analysts mostly concur that, while reported imports via London, Switzerland and Dubai total 3,500-4,500 tonnes, another 2,000-3,000 tonnes (mostly post-2009, accelerating since 2022) have gone unreported.2,500 tonnes is the middle figure, then. Add that to the 23,250 tonnes of SGE and our total is now 25,750 tonnes.If you live in a Third World country, such as the UK, I urge you to own gold or silver. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. More here.Chinese gold productionAround 55% of Chinese gold production is state owned, and this century China has mined roughly 7,500 tonnes.70-80% of Chinese production is sold through the Shanghai Gold Exchange (SGE) - so we have already counted that - the other 20-30% goes to the state.Using estimates from the mid-range. 25% of those 7,500 tonnes, therefore - 1,875 tonnes - has gone to the state. The rest has been sold through the SGE.Add 1,875 tonnes to the total and we are at 27,625 tonnes.By the way, I have not included overseas Chinese gold production, of which there is a lot. Some of this product is sold on international markets and never actually reaches China. But what does reach China gets sold through the SGE and so has already been counted.Finally, we have to add in gold held in China, whether as bullion or jewellery, prior to 2000. The World Gold Council estimates a figure of 2,500 tonnes in privately-held jewellery. Added to domestic mining and official reserves, you get a figure of around 4,000 tonnes.This brings our grand total to 31,625 tonnes of gold in China.Putting it all togetherPreviously, I have argued that 50% of that gold would go to the state. That would mean roughly 16,000 tonnes. Almost twice as much as the US's reported 8,100 tonnes! When audit?My thinking has changed.Let me propose another methodology. And this has come as a result of my conversation with Konstantin (see above).Annual gold demand last year was roughly:* Jewellery 47%* Investment 25%* Central Bank 23%* Industry 6%This obviously varies from year to year, with investment and central bank demand being the big variables. But if we assume Chinese demand roughly matches global demand (this is an easy argument to challenge), that would mean that of the 31,625 tonnes:* 14,864 is now jewellery* 7,910 is now bullion held by investors* 1,900 tonnes went into manufacturingAnd, drum roll for the Big KahunaThe Chinese government has 7,294 tonnes.Obviously, it's easy to make the case that since China is such a big manufacturer, Chinese industrial demand is likely to be higher than 6%. It's also easy to make the case that, because the Chinese like gold so much, and the state has been encouraging them to invest since 2007, that both Chinese jewellery and investment demand is higher than 47% and 25% respectively.It's also easy to make the case that, because of de-dollarisation, PBOC demand is higher than 23%.In any case, I have been transparent about my methodology. You can make up your own minds. You're all grown ups.Maybe my 20% estimate for SGE double counting is too low, for example.Regardless, China's stated reserves of 2,300 tonnes are laughingly lowball.In a funny kind of way, it's actually better for investors if China has less gold - because it means they have more buying to do and that should help drive prices higher.Its stated 2,300 tonnes only account for 7% of its US$3.4 trillion reserves. To get above 70% and match the US, Germany, France and Italy, at $4,200/oz gold, it would need something like 18,000 tonnes. That's a lot of buying yet to come.Why does China understate its reserves? Softly, softly catchee monkey, and all that: we must not shine too brightly. It doesn't want to rock the boat, particularly while it's still accumulating.This is where we are going, folks.You want to own gold. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

The McGraw Show 10-14-25: Sports Coaches, KP & TS, Quantum Computing & Gambling Estimates after December by

Watch on YouTube Mosman Oil & Gas has released an internal best estimate for the helium resource at its Coyote Wash project in Colorado. Using a conservative methodology laid down by independent consultants Sproule, Mosman reckons the overall resource at Coyote Wash to be a little over a billion cubic feet of helium. That's big, chief executive Howard McLaughlin tells Vox, and there could still be some upside. Sproule will now come in to come up with a more official number, as Mosman presses on with further development work

Giulia Zamagni joins Claudia Schaefer to discuss her recent Series of 4 papers from the Italian Global Burden of Disease collaborators providing the disease burden estimates and temporal trends for leukemia, multiple myeloma, non-Hodgkin lymphoma and Hodgkin lymphoma in Italy.Click here to read the full text in this series: paper 1; paper 2; paper 3; paper 4 Continue this conversation on social!Follow us today at...https://thelancet.bsky.social/https://instagram.com/thelancetgrouphttps://facebook.com/thelancetmedicaljournalhttps://linkedIn.com/company/the-lancethttps://youtube.com/thelancettv

“Dark money” — meaning funds whose sources are hidden or obscured — has become deeply embedded in the U.S. real estate market through opaque ownership structures and all-cash deals that evade public scrutiny. Wealthy buyers, including foreign investors, often purchase property via shell companies, trusts, or limited liability corporations (LLCs), effectively masking the identity of the ultimate beneficial owners. In major markets like New York, Miami, and Boston, a significant share of real estate is owned via corporate entities, making it difficult for regulators and the public to trace who is behind high-value deals.Because many high-value and all-cash transactions bypass traditional banking and lending scrutiny, they provide an ideal channel for laundering illicit funds or moving capital anonymously. Estimates suggest that as much as 20–30 percent of U.S. residential real estate purchases are made without financing, making them harder to monitor.   Until recently, real estate professionals had little obligation to report beneficial ownership or cash-based transactions, but new rules from the Treasury's FinCEN will mandate reporting for residential all-cash sales involving entities or trusts beginning December 2025—an attempt to pull back the curtain on dark money in the housing market.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Robbie Barwick, the Research Director at the Australian Citizens Party and I discuss the latest from Estimates, where again it is clear who is pulling the strings, and playing the tunes for the politicians from the major parties. We play some of the essential moments relating to bank branch closures and ASIC, to highlight why … Continue reading "The Banks Have Got The Major Parties By The Throat!"

Our U.S. Thematic and Equity Strategist Michelle Weaver discusses how the largest intergenerational wealth transfer in history could reshape saving, spending and investment behavior across America.Read more insights from Morgan Stanley.----- Transcript ----- Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, Morgan Stanley's U.S. Thematic and Equity Strategist.Today, a powerful force reshaping the financial lives of millions of Americans: inheritance.It's Friday, October 10th at 10am in New York.Americans are living longer and they're passing on their wealth later. Longevity is one of Morgan Stanley Research's four key themes, and this is an interesting element of longevity. As baby boomers age, they're expected to transfer their wealth to Gen X, millennials and Gen Z to the tune of tens or even hundreds of trillions of U.S. dollars.Estimates vary widely, but the amounts are unprecedented. And so, inheritance isn't just a family milestone; it's becoming an important cornerstone of financial planning and longevity. And understanding who's receiving, expecting, and using their inheritances is key to forecasting how Americans save, spend, and invest.According to our latest AlphaWise survey, 17 percent of U.S. consumers have received an inheritance, and another 14 percent expect to receive one in the future. Younger Americans are especially optimistic. Their expectations split evenly between those anticipating an inheritance within the next 10 years and those expecting it further out.But here's the kicker; income plays a huge role. Only 17 percent of lower income consumers report receiving or expecting an inheritance, but that number jumps to 43 percent among higher income households highlighting a clear wealth divide.What about the size of the inheritance? In our survey, those who received or expect to receive an inheritance fall broadly into three categories. About half reported amounts under $100,000 dollars. For about a third, that amount rose to under $500,000. And then meanwhile, 10 per cent reported an inheritance of half a million dollars or more.Younger consumers tend to report smaller amounts, while inheritance size rises with income. One important thing to remember about our survey though, is it looks more at the average person. We are missing some of those very high net worth demographics in there where I would expect inheritance to rise much higher than half a million.And so, when we think about this, how will recipients use this wealth? That's a really important question. The majority, about 60 percent, say they have or will put their inheritance towards savings, retirement, or investments. About a third say they'll use it for housing or paying down debt. Day-to-day consumption, travel, education and even starting a business or giving to charity also featured in the survey responses – but to a lesser extent.The financial impact of inheritance is significant: 46 percent of recipients say it makes them feel more financially secure; 40 percent cite improvements in savings; and 22 percent associate it with increased spending. Some even report retiring earlier or lightening their workloads.Inheritance trends are shaping consumer behavior and have the power to influence spending patterns across industries. To sum it up, inheritance isn't just a family matter, it's a market mover.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen, and share Thoughts on the Market with a friend or colleague today.

Harvest season is wrapping up, or will be soon, for northwest pear and apple growers, and Jon DeVaney, President of the Washington State Tree Fruit Association, says both crops are looking pretty good this year despite challenges.

Harvest season is wrapping up, or will be soon, for northwest pear and apple growers, and Jon DeVaney, President of the Washington State Tree Fruit Association, says both crops are looking pretty good this year despite challenges.

In this Roofing Road Trips®, Karen Edwards sits down with Jenni McMorran, Renoworks' contractor channel partner manager to explore how Renoworks Pro's Instant Estimate is changing the game for contractors by providing a quote in minutes, closing jobs faster and outpacing the competition. Learn how the tool works, the accuracy behind it and why it's becoming a must-have for winning more business.   Learn more at RoofersCoffeeShop.com! https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing! https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #Renoworks #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

Navigating the murky waters of auto body repairs just got easier thanks to an innovative approach that puts transparency and consumer choice at the forefront. Ilan Mandil, founder of OttoFixIt, joins us to unveil how AI technology is revolutionizing the way drivers approach collision repair estimates. By simply snapping photos of vehicle damage, consumers can now receive preliminary cost projections before setting foot in a body shop – finally addressing the anxiety-inducing question: "How much is this going to cost me?"The conversation dives deep into the stratified world of auto body shops, from manufacturer-certified facilities using exclusively OEM parts to independent shops with varying quality standards. Mandil expertly breaks down how OttoFixIt vets repair facilities (requiring 4.5+ star ratings across hundreds of reviews) and why having multiple quotes empowers consumers to make informed decisions based on their specific circumstances and vehicle value. Jeff shares a cautionary tale about his Cadillac SRX repair gone wrong, highlighting exactly why finding reputable repair shops matters.Our journey through automotive culture continues with Jeff's fascinating exploration of badge engineering – the practice of selling identical vehicles under different brand names. From the embarrassing Cadillac Cimarron (a glorified Chevrolet Cavalier) to Volkswagen's triple-identity vehicles and GM's global rebadging strategies, we uncover how manufacturers have sometimes confused consumers with their marketing sleight of hand. The episode rounds out with Marrs' entertaining guide to the Texas State Fair, featuring everything from the iconic Big Tex statue to butter sculptures, thrilling rides, and of course, the comprehensive auto show. Whether you're dealing with collision repair decisions or simply curious about automotive culture, this episode delivers valuable insights with our signature blend of expertise and entertainment. Subscribe now and join our community of car enthusiasts who understand that knowledge is power when it comes to all things automotive!Be sure to subscribe for more In Wheel Time Car Talk!The Lupe' Tortilla RestaurantsLupe Tortilla in Katy, Texas Gulf Coast Auto ShieldPaint protection, tint, and more!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.---- ----- Want more In Wheel Time car talk any time? In Wheel Time is now available on Audacy! Just go to Audacy.com/InWheelTime where ever you are.----- -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12nCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Podcast, email us at info@inwheeltime.com

Pastor Katie sits down with Leadership Team Chair and Finance member Eric Lancaster. They talk about Leadership Team Applications, Estimates of Giving and the joy of serving.

Northwest Pear harvest should be wrapping up soon with forecast estimates calling for a 60% increase over last year's crop, but many growers hit by the closure of the Del Monte plant.

Why do people still say women make “careless” decisions about abortion – and how can you shut that argument down fast? And what does it have to do with a shocking PhD thesis on endometriosis?In this episode of The Scenic Route, you'll get:A toolkit to counter the “careless abortion” myth from three angles: logic, evidence, and power.Evidence-based insights you can drop in conversation to cut through opinion with data.A clearer lens on structural bias – why women's pain is underfunded and dismissed, and how the “default male” still shapes medicine.Practical ways to spot and challenge bias in your own life, research, and everyday conversations.Mentioned in this episode:Criado Perez, C. (2019). Invisible women: Exposing data bias in a world designed for men. Abrams Press.Foster, D. G., Biggs, M. A., Ralph, L., Gerdts, C., Roberts, S., & Glymour, M. M. (2018). Socioeconomic outcomes of women who receive and women who are denied wanted abortions in the United States. American Journal of Public Health, 108(3), 407–413. https://doi.org/10.2105/AJPH.2017.304247National Institutes of Health. (2023). Estimates of funding for various research, condition, and disease categories (RCDC). Retrieved from https://report.nih.gov/funding/categorical-spendingBy the end of this episode, you'll have the arguments, the evidence, and the confidence to dismantle abortion myths and to recognise structural bias whenever women's health and autonomy are sidelined.

Joe's Premium Subscription: https://standardgrain.com/Apple Podcasts https://podcasts.apple.com/us/podcast/grain-markets-and-other-stuff/id1494161095Spotify https://open.spotify.com/show/4NJ9AZcSQBrLXFLCcPrGGGFutures and options trading involves risk of loss and is not suitable for everyone.

This Podcast Is Episode 645, And It's About Construction Estimates: Why Your Bids Should Spell Everything Out As a contractor, you've likely had this experience: you deliver a job estimate to a client, they accept, and you get to work. Everything goes smoothly—until halfway through the project when the client says, “Wait, I thought this included the backsplash,” or “I assumed cleanup was part of the price.” Suddenly, what you thought was a straightforward project turns into a debate about expectations. The client feels misled, you feel frustrated, and worst of all, your profit margin starts to shrink. The root problem? The estimate wasn't clear enough. In construction, your estimate is more than just a number—it's a roadmap. It tells your client what's included, what's not, and sets the financial foundation for your project. A vague or rushed estimate leads to misunderstandings, disputes, and, most importantly, lost profits. As construction bookkeeping specialists, we've seen time and again that contractors who take the time to create precise, detailed estimates consistently run more profitable jobs. Let's break down why your bids should spell everything out, and how doing so protects your bottom line. The Real Cost of Vague Estimates When your estimate is unclear, three things happen: 1. Scope Creep Becomes Inevitable If you don't define exactly what's included, clients will naturally assume more. Every “little” addition—a fixture change, extra paint coat, or a bit of demo—eats into your profit. Without a signed change order, you're essentially doing free work. 2. Client Trust Erodes A client who feels surprised by added charges won't just be upset—they'll question your integrity. Even if you're being fair, unclear estimates make you look unprofessional. 3. Cash Flow Suffers If you forget to include certain costs—like disposal fees, permits, or delivery—you'll end up covering them out of pocket. Multiply that over several jobs, and suddenly your bank account feels tight, even though you're “busy.” What Clear Estimates Do for Your Business A well-written estimate does more than avoid disputes; it also facilitates effective communication. It creates a foundation for profitability: Protects Your Profit Margin – By listing labor, materials, and extras, you ensure that nothing is forgotten and everything is accurately priced. Manages Client Expectations – Clients understand precisely what they're getting and what they're not. No surprises, no arguments. Improves Professional Reputation – A polished, detailed bid positions you as a contractor who runs a serious business. This often justifies higher pricing. Simplifies Bookkeeping & Job Costing – Clear estimates help you track actual vs. estimated costs, making future bids more accurate.   What to Include in Every Estimate To protect your profit, your bids should cover more than just the basics. Here's what to spell out: 1. Scope of Work Detail exactly what work will be performed. For example: “Remove and replace 200 sq. ft. of flooring in the living room” is clearer than “Install flooring.” 2. Materials List the materials included, specifying the grade or brand when possible. If clients want upgrades, they'll know it costs more. 3. Labor Costs Break down labor separately from materials. This not only clarifies pricing but also helps if the client questions why the project costs what it does. 4. Timeline & Scheduling Provide an estimated start and completion date, along with notes on potential delays (e.g., permits, weather, client decisions). 5. Exclusions Spell out what is not included. For example, disposal, electrical, or painting, if not part of your scope. This protects you from assumptions. 6. Change Order Policy Include language like: “Any work not listed in this estimate will require a signed change order before proceeding.” This sets the expectation from the start. 7. Payment Terms Outline deposit requirements, progress payments, and final payment due dates. Clear payment terms support healthy cash flow. A Real-Life Example Let's say you bid on a bathroom remodel at $10,000. You wrote “install new tile floor” in your estimate. Halfway through, the client says they thought you were also retiling the shower walls. You now face a choice: Eat the cost and do it to keep the client happy (losing profit), or Argue that it wasn't included (damaging the relationship). If your estimate had said, “Install new tile floor, 200 sq. ft., client provides tile. Shower tile not included,” the expectation would be clear. Any additional work would require a signed change order. No profit lost. How Clear Estimates Make Bookkeeping Easier From a bookkeeping standpoint, detailed estimates are gold. Why? Because they give you a clear benchmark for job costing, you can compare what you estimated vs. what you actually spent on labor, materials, and subs. Over time, this data makes your bids sharper and your margins more reliable. Without detailed estimates, your books become guesswork. You'll never know which jobs are profitable and which ones are draining your resources. Tips for Creating Clear, Professional Estimates Use Templates – Don't start from scratch each time. A standard estimate template ensures you never forget important details. Leverage Software – Even basic estimating tools or accounting software can help automate calculations and keep everything organized. Don't Rush – Take the time to measure, calculate, and spell things out. A rushed estimate often leads to rushed profits. Review Before Sending – Double-check that labor, materials, and exclusions are listed clearly. Keep Copies – Always save a signed copy for your records. Final thoughts In construction, profit isn't just about how well you build—it's about how well you plan. A clear estimate isn't busywork; it's a tool that protects your bottom line, manages client expectations, and sets you apart as a professional. Every time you prepare a bid, ask yourself: If someone who knows nothing about construction read this, would they understand precisely what's included and what's not? If the answer is yes, you're on the right track. Remember: Clear estimates lead to clear profits. Don't leave your success up to chance—spell it out, every time. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Nifty slipped for a fifth straight session on Thursday, its longest losing streak in six months. The GIFT Nifty points to another weak open. Global sentiment is shaky after U.S. President Donald Trump unveiled sweeping tariffs, including a 100% duty on imported branded and patented pharmaceutical products, sending Asian pharma shares lower. Technology stocks remain under pressure even as Accenture beat quarterly estimates on revenue and new bookings but warned of softer growth ahead. Back home, watch for action in IT, pharma and debut trades as two new IPO listings, Saatvik Energy & GK Energy, hit the bourses today. Tune in for all this and more in today's Market Minutes — your morning podcast bringing you the top stories to kickstart your trading day, from stocks in the news to macro trends and global market cues.

In the early days of a startup, forecasting isn't about nailing the numbers, it's about setting the course. In this episode, the world's most interesting CFO describes the art of “Cowboy forecasting” and how this back-of-the-envelope model can be far more valuable than a complex simulation. Kevin Drost started his career as a musician and talent scout for Sony before becoming the chief strategy officer of the music gear marketplace Reverb. Now, as the CFO of New Era ADR, he explains how the company is disrupting the notoriously expensive legal industry by replacing the billable hour with flat fees, and making dispute resolution faster and more predictable for businesses. The conversation also covers why simplicity often beats complexity in financial modeling, how a hands-on understanding of the product and customer builds real financial confidence, and how finance teams can empower every employee to understand and drive the business.—LINKS:Kevin Drost on LinkedIn: https://www.linkedin.com/in/kevindrostNew Era ADR: https://www.neweraadr.comCJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: https://www.mostlymetrics.comRELATED EPISODES:Secrets to Scaling a Marketplace Business with Jack Greco, VC and Co-founder of ACV Auctions — —TIMESTAMPS:(00:00) Preview and Intro(02:40) Sponsor – Aleph | RightRev | Navan(07:18) Kevin's Music Background & A&R at Sony(12:09) Record Labels Versus Venture Capital(17:01) Sponsor – Rillet | Pulley | Brex(20:53) Finding Motivation After Success(21:34) Building Reverb & the Etsy Acquisition(25:33) Stacking Skillsets & Interests(27:11) Cowboy Forecasting at Reverb(32:01) The Importance of Simplicity in Forecasting in the Early Stages(35:46) The Art and Science of Making Estimated Guesses(41:42) Building Firsthand Customer & Product Knowledge(45:36) Teaching Finance Across the Company(50:44) New Era ADR & Legal Industry Disruption(57:35) Legal Strategy Versus Financial Strategy(1:01:30) How New Era Gets Parties To Use the Platform(1:05:27) Other White Hot Use Cases for New Era ADR(1:09:25) The Long Ass Lightning Round: Kevin's Biggest Mistake(1:12:41) Advice to a Younger Self(1:14:01) Finance Software Stack(1:15:21) Life as an A&R Rep—SPONSORS:Aleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalized demo at https://www.getaleph.com/runRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit https://www.rightrev.com and schedule a demo.Navan is the all-in-one travel and expense solution that can give you access to exclusive, proprietary Nasdaq-validated data that reveals what's happening with corporate travel investments. See the Navan Business Travel Index at https://navan.com/bti.Rillet is the AI-native ERP modern finance teams are switching to because it's faster, simpler, and 100% built for how teams operate today. See how fast your team can move. Book a demo at https://www.rillet.com/metrics.Pulley is the cap table management platform built for CFOs and finance leaders who need reliable, audit-ready data and intuitive workflows, without the hidden fees or unreliable support. Switch in as little as 5 days and get 25% off your first year: https://pulley.com/mostlymetrics.Brex offers the world's smartest corporate card on a full-stack global platform that is everything CFOs need to manage their finances on an elite level. Plus, they offer modern banking and treasury as well as intuitive expenses and accounting automation, bill pay, and travel. Find out more at https://www.brex.com/metrics#CowboyForecasting #FinanceLeader #StartupFinance #LegalTech #StartupForecasting This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

Officially, Saturn has 274 known moons. Un-officially, it has billions upon billions of them – the bits of ice and rock that make up the planet’s rings. They range from the size of dust grains to giant boulders. All of them orbit the giant planet like tiny moons. The system consists of three main bands, which are easy to see. Together, they span about three-quarters of the distance between Earth and the Moon. But there are some thinner, fainter bands as well. One is closer to Saturn than the main bands, while the others are farther. Despite their great span, the rings are quite thin – generally no more than a few dozen feet thick. Individual rings are held in check by the gravity of some of Saturn’s moons and “moonlets” – bodies no more than a few hundred feet in diameter that orbit inside the ring system. In some cases, they force the rings to intertwine like the braids in a loaf of challah bread. Scientists are still debating the age of the rings. Estimates range from a hundred million years to more than four billion. Either way, the rings are constantly replenished with fresh supplies of ice and dust – sustaining one of the most amazing features in the solar system. Saturn is at its best for the entire year. It looks like a bright star, low in the east at nightfall and climbing high across the south during the night. Telescopes reveal the planet’s beautiful rings. Script by Damond Benningfield

Gaza's hidden toll: 680 000 deaths aas of April 2025, new study estimates by Radio Islam

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Military correspondent Emanuel Fabian joins host Jessica Steinberg for today's episode. At least 600,000 Gazans are still in Gaza City as the IDF ground offensive enters its second day, says Fabian, and the army is steering clear of them. Estimates suggest that the operation will take months, although Fabian notes that it is unclear if the government or international community will allow it to continue for that long. IDF Chief of Staff Eyal Zamir was on the frontlines in Gaza City on Tuesday at the start of the offensive, says Fabian. He discusses the chief of staff's complicated role in leading the army and his need to present to the government the complications and risks to the troops and hostages in the Gaza offensive, as well as the possible opportunities. The IDF struck the Houthi-held port of Hodeida on Tuesday and, in response, Israel received the 85th rocket strike from the Yemeni rebel force in the evening, which was intercepted. Fabian explains that the IDF has repeatedly hit the Yemeni port, as it is where the Houthis receive imports of Iranian weapons. Check out The Times of Israel's ongoing liveblog for more updates. For further reading: IDF begins major Gaza City ground offensive targeting Hamas; dozens of Gazans said killed IDF chief insists it’s his duty to warn of Gaza City op’s ‘risks and opportunities’ Israel strikes Houthi-held port of Hodeida in response to drone and rocket fire As Hamas urges Gazans to stay put, its leaders are trying to flee Strip, says Israel Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by Podwaves. IMAGE: IDF Chief of Staff Lt. Gen. Eyal Zamir (right) speaks with 98th Division commander Brig. Gen. Guy Levi and other officers in Gaza City, September 16, 2025. (Israel Defense Forces)See omnystudio.com/listener for privacy information.

Gov. Patrick Morrisey is asking for public input on two key issues: a plan to triple energy production and applying for Rural Health Transformation funds. And, broadening the state's Hope Scholarship program has made the number of participants harder to predict. The post Seeking Public Opinions And Assessing Hope Scholarship Estimates, This West Virginia Morning appeared first on West Virginia Public Broadcasting.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Building Drought6:13 USDA Preview9:41 Export Sales12:21 Brazil's Crop Report14:20 Inflation is Up

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Intro0:49 USDA Preview3:38 Argentina Situation7:22 Positive (ish) Soybean Spin10:11 Biofuel Back and Forth12:15 Ethanol Production

Abandoned farmland has been increasing dramatically in recent decades.  Estimates are that a billion acres – an area half the size of Australia – have been relinquished from cultivation globally.  While more and more of the tropics have been cultivated in recent times, the global amount of land used for agriculture has been in decline […]

Learn about the latest in local public affairs in about the time it takes for a coffee break! Brian Callanan of Seattle Channel and David Kroman of the Seattle Times discuss the political implications of a major cost hike for Sound Transit's planned light rail expansion, the behind-the-scenes dynamics of some new labor union endorsements in the Seattle mayor's race, a debate over doing away with design review, continued affordable housing worries, and a landmark labor violation ruling against Uber Eats. If you like this podcast, please support it on Patreon!

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture The EU is feeling the pressure, without the US the EU economy is nothing, same goes with most of the countries around the world. Trump is reversing the [CB] trade policies. The Fed is panicking, Trump is going after the Fed and they are trying to stop him, so they ruled on his parallel system, this will fail. Trump and the patriots are putting everything place to make sure the [DS] cannot cheat the midterms. Trump is doing everything he can without congress passing laws. The pieces are coming together and it will be difficult for the [DS] to cheat. This has to be done to take back full control. The [DS] is building the narrative to counter this by pushing the idea that Russia is responsible for immigration and cyber attacks in the EU. Playbook known.   Economy Eurozone's Economic Outlook Worsens Amid U.S. Tariffs, Domestic Pressures the Eurozone's economic outlook has indeed deteriorated, driven by a combination of external pressures from U.S. tariffs and internal domestic issues. Recent data from the European Commission shows a decline in economic sentiment, signaling broader pessimism among businesses and consumers.   The tariffs target key EU exports, leading to reduced demand and higher costs.Key quantitative impacts from analyses include:  Estimates vary by scenario, but a baseline tariff increase could reduce EU GDP by 0.2% to 0.8%. For instance, in a symmetric tariff war, GDP might fall by 0.8-1.2%, with Germany facing a 0.4% contraction.   The EU's trade surplus with the U.S. is shrinking amid surging imports, exacerbated by trade diversion from China (e.g., a 12% year-on-year increase in Chinese exports to the EU as of May 2025).   The automotive industry faces double-digit hits to earnings, with potential 53% drops in export demand for machinery and equipment under a 10% tariff hike. Pharmaceuticals and chemicals are also at risk, though some exemptions apply. Sector 2023/2024 EU Exports to U.S. (EUR billion) Potential Impact from Tariffs Machinery & Equipment 157.7 High vulnerability; 53% export demand drop per 10% tariff Automotive Not specified (major exposure) Double-digit EBIT declines for key firms Pharmaceuticals 54.6 Exempt currently, but risk if targeted Chemicals & Metals Significant (part of broader exposure) Asset quality deterioration in banking Employment effects are notable, with 8,000-10,000 job losses estimated per EUR 1 billion reduction in exports, potentially raising unemployment by 0.1% in hard-hit countries like Germany and Ireland. Source: wsj.com Trump Canceling $679M in Federal Funding for Offshore Wind Projects The Trump administration said on Friday it was canceling $679 million in federal funding for 12 offshore wind projects, including $427 million for a California project. U.S. Transportation Secretary Sean Duffy announced that the department was canceling or terminating awards made under the administration of former President Joe Biden. Source: newsmax.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.

Legionella remains one of the most complex challenges for water professionals worldwide. How do we balance effective monitoring with realistic costs—and which strategies deliver true public health impact? In this episode, Trace Blackmore welcomes Dr. Vincenzo Romano Spica,  Head Public Health University of Rome "Foro Italico to explore new insights from his comparative research on Legionella control. Reframing Legionella Risk  Dr. Spica explains why public health data increasingly points to Legionella pneumophila—not all Legionella species—as the primary concern for human health. He shares how pan-European data modeling and peer-reviewed studies demonstrate that broad-spectrum monitoring may overburden systems without delivering proportional safety gains.  Cost-Benefit Models and Sustainability  Water professionals know that testing and compliance require resources. Dr. Spica discusses cost-benefit analysis frameworks that help decision-makers evaluate where investments deliver the greatest reduction in risk. He also highlights the sustainability implications of over-testing, from lab resources to environmental waste streams.  European Regulations and Legal Liability  The conversation also explores the European Drinking Water Directive 2020/2184, national approaches to Legionella, and how liability shifts when contamination is detected. Dr. Spica's insights illuminate what building owners, operators, and regulators must weigh as they update management plans.  Conclusion  For engineers, operators, and technical managers, this episode provides a clear framework for thinking about Legionella beyond routine testing. It's about focusing on the pathogen that truly drives disease outcomes, aligning regulatory strategy with science, and applying resources where they matter most.  Stay engaged, keep learning, and continue scaling up your knowledge!    Timestamps    02:24 - Trace opens the episode, welcoming listeners to Legionella Awareness Month and framing the call to action  05:37 - Water You Know with James McDonald  10:04 - Upcoming Events for Water Treatment Professionals   14:06 - Trace introduces Dr. Vincenzo Romano Spica, Head of Public Health at the University of Rome Foro Italico   17:22 - Dr. Spica outlines why Legionella pneumophila is the main pathogen of concern in Europe 35:04 - Dr. Spica explains Disability Adjusted Life Years (DALYs) as a measure of public health burden  44:08 - Monitoring strategies and how different culture methods affect outcomes  46:16 - The role of water temperature in Legionella proliferation    Quotes  “Not all Legionella are equal—public health data shows us it's Legionella pneumophila that drives the real risk.”  “Testing everything may look safer on paper, but in practice, it diverts resources from where they can have the greatest impact.”  “Risk management should not be a checklist; it should be a strategic allocation of resources aligned with outcomes.”  “European data models show that a targeted approach can deliver both better safety and greater sustainability.”    Connect with Dr. Vincenzo Romano Spica   Phone: +39.06.36733247 Email: vincenzo.romanospica@uniroma4.it  LinkedIn: vincenzo romano spica | LinkedIn        Guest Resources Mentioned   Legionnaires' Disease Surveillance and Public Health Policies in Italy: A Mathematical Model for Assessing Prevention Strategies by Dr. Spica et. al  Alessando Cassini's Burden of Infectious Diseases in Europe methodological challenges and opportunities for public health policy  NLM's Impact of infectious diseases on population health using incidence-based disability-adjusted life years (DALYs): results from the Burden of Communicable Diseases in Europe study, European Union and European Economic Area countries, 2009 to 2013  Supplemental information: Impact of UAT Diagnostic Methods on Estimates of Legionnaires' disease Caused by non-pneumophila Legionella    Scaling UP! H2O Resources Mentioned  AWT (Association of Water Technologies)  Scaling UP! H2O Academy video courses  Submit a Show Idea  Scaling UP! H2O's Legionella Resources Library  434 Encore Interview with Patsy Root    Water You Know with James McDonald  Question: What is it called when a valve is closed at the end of a pipeline system causing a pressure wave to propagate in the pipe and a loud banging sound?    2025 Events for Water Professionals  Check out our Scaling UP! H2O Events Calendar where we've listed every event Water Treaters should be aware of by clicking HERE.     

Nvidia's results late Wednesday likely set the stage. The firm topped earnings and revenue estimates, but data center fell short. Shares of the firm initially sagged on the news.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0825)

Last time we spoke about the Battle for South Sakhalin and the Kurile Islands. In August 1945, as Japan teetered on the edge of destruction following the atomic bombings, a desperate situation unfolded. The Soviet Union launched a sudden invasion of Manchuria, catching Japanese forces off guard. On August 14, Japan's decision to surrender was made, announced to the world the following day. However, the Kwantung Army resisted fiercely, engaging in frantic evacuations. In South Sakhalin, Japanese defenders clashed with advancing Soviet troops, facing overwhelming odds. By August 18, chaos reigned on the Japanese side, with forces surrendering and civilians in panic. As the Soviets pushed forward, the situation became increasingly dire for Japan. Despite valiant resistance, the imminent defeat became clear. In a moment of critical decision, Emperor Hirohito accepted the surrender terms, officially sealing Japan's fate and marking the end of the Pacific War. However the Soviets had not yet stopped their onslaught.  This episode is the Soviet Victory in Asia 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.  We are drawing near to the real conclusion of this series! Japan has officially surrendered, however the Soviets are not done just yet. East asia is a delicious piece of cake, laid wide open and Stalin intends to take every piece he can grab before the curtain falls. Now as we last left off it was August 18, and General Yamada's Kwantung Army had surrendered to the Soviet forces led by Marshal Vasilevsky, who were advancing rapidly through Manchuria. Yet, some Japanese units, like those at Kalgan, continued to resist occupation until the month's end. On August 19, following Yamada's announcement that all military operations had ceased, a Soviet delegation arrived at Hsinking.  A daring operation took place, where a 225-strong detachment from the 6th Guards Motorized Rifle Brigade, part of the 5th Guards Tank Corps, was airlifted to the city's main airfield. This mission, along with others, was carried out under orders from Marshal Vasilevsky on August 18, following the commander's initial offer of surrender from the Kwantung Army. Vasilevsky's directive was urgent: “The Japanese resistance is broken, and the challenging road conditions hinder the swift advance of our main forces. We need to deploy specially formed, fast-moving, and well-equipped units to capture Changchun, Mukden, Jilin, and Harbin immediately. These units should remain flexible for future missions, regardless of their distance from the main forces.”The push to accelerate operations came directly from Stalin himself. In Kulichkin's biography of Marshal Vasilevsky, he recounts a pivotal phone call on August 15. Stalin was informed that the Japanese had “lost command and control” and were unable to mount a strong defense, with their forces divided into several fragmented groups. Vasilevsky confidently stated, “Even a miracle cannot save the Japanese from total defeat,” stressing the need to maintain the momentum of the offensive. Stalin's response was straightforward: “Good. We need to increase the pace. What proposals do you have?” Vasilevsky revealed plans to use airborne assault forces against larger cities like Harbin, Changchun, Jilin, and Mukden, alongside advanced mobile units across all combined arms armies. These units, consisting of tanks and assault guns, were fully equipped with desantniki, ready to engage firmly in the ongoing operations. The landing at Shenyang revealed a remarkable twist of fate. Waiting at the airfield for evacuation to Japan was none other than the recently abdicated Emperor Puyi of Manchukuo. On August 15, 1945, Puyi tuned in to the radio and listened to Emperor Hirohito's address announcing Japan's surrender. In this historic speech, the Showa Emperor referred to the Americans' use of a "most unusual and cruel bomb," which had just devastated Hiroshima and Nagasaki. For Puyi, this was the first revelation of the atomic bombings, information that the Japanese had conveniently withheld from him until that moment. The aircraft carrying Major Chelyshev's force, escorted by fighter planes, landed at 1:15 PM without any opposition and captured him. This small unit's survival hinged on remaining unchallenged, and they successfully secured the airfield. They also freed several Allied personnel held at the nearby Hoten prisoner-of-war camp. As soon as the landing was secured, additional reinforcements were airlifted in later that day, led by General Kravchenko, the commander of the 6th Guards Tank Army. He formally accepted the city's surrender, and the Soviets then transported Puyi to the Siberian town of Chita.  Meanwhile, Vasilevsky's ground offensive pressed on, mostly unopposed, though some resistance persisted. In the Transbaikal Front, Marshal Malinovsky's General Pliyev led his cavalry-mechanized units against the Japanese forces at Kalgan. Other units reached Jehol and accepted the surrender of the 108th Division. General Danilov's 17th Army secured the Shanhaiguan coast, while General Managarov's 53rd Army pushed towards Kailu. The main force of General Kravchenko's 6th Guards Tank Army regrouped at Tungliao and Kaitung, preparing to advance south toward Mukden. General Lyudnikov's 39th Army steadily approached Changchun, confronting the bypassed 107th Division, and General Luchinsky's 36th Army occupied Tsitsihar, accepting the surrender of the 136th Independent Mixed Brigade. At the same time, on General Purkayev's 2nd Far Eastern Front, General Teryokhin's 2nd Red Banner Army continued its siege of the Aihun fortified region. Meanwhile, a forward detachment moved slowly south through the Lesser Khinghan Mountains. General Mamonov's 15th Army began capturing and processing prisoners from the many retreating Japanese units after a successful amphibious assault secured Sansing. The Amur Flotilla supported the army's push towards Harbin, while General Pashkov's 5th Rifle Corps finally reached Poli, which had already been occupied by other Soviet units. In Marshal Meretskov's 1st Far Eastern Front, forward detachments of General Zakhvatayev's 35th Army began arriving at Linkou, focusing on the surrender of Japanese units in the area. Rear elements effectively eliminated the last traces of enemy resistance in the Hutou fortified area.  After a challenging struggle through the wetlands and the capture of Mishan on August 12, advanced detachments of the 35th Army's main force, the 66th and 363rd Rifle Divisions, continued their advance against minimal opposition. The situation was starkly different to their rear, where the 1056th Rifle Regiment of the 264th Rifle Division, supported by the heavily reinforced 109th Fortified Region, worked to dismantle the now-isolated Hutou fortified area. Despite the dire circumstances, the garrison refused to surrender. Thus, the focus shifted to systematically eliminating their defenses, which became a painstaking task. The attackers deployed an artillery destruction group, secured air supremacy, and utilized well-trained assault formations. Their techniques included pouring kerosene or gasoline into ventilation shafts of underground structures, sometimes in alarming quantities. For instance, two tonnes of gasoline were recorded being poured into a single installation before ignition was applied. Despite the brutal and methodical obliteration of their positions, the defenders continued to ignore orders to surrender. Notably, on August 18, a Japanese prisoner was sent under a flag of truce to inform those still holding out that the war was officially over; tragically, he was hacked to death by a sword-wielding officer. Ultimately, this stubbornness led to catastrophic consequences: about 3,000 defenders were killed, blasted and burned, before a small number finally capitulated. Additionally, advanced detachments of General Beloborodov's 1st Red Banner Army reached Shangzhi before continuing towards Harbin, and forward elements of General Krylov's 5th Army pushed on toward Jilin. General Chistyakov's 25th Army commenced disarming General Murakami's 3rd Army, while the 10th Mechanized Corps advanced rapidly westward, crossing the Laoilin Mountain passes to arrive at Tunhua by nightfall. Over in North Korea, the 335th Rifle Division successfully landed in Chongjin, as General Kabanov's Southern Defense Region prepared for an assault on Gensan. In South Sakhalin, despite the surrender of the 125th Regiment and ongoing negotiations with General Mineki's 88th Division, Soviet forces opted to proceed with the planned landing at Maoka. Consequently, Admiral Andreyev's Northern Pacific Flotilla departed from Sovetskaya Gavan in the morning, carrying the bulk of the 113th Rifle Brigade along with a battalion of marines for the long and challenging voyage to Maoka. On Shumshu Island, as General Gnechko's forces were landing their artillery to renew their assault, Japanese officers unexpectedly approached the Soviets under flags of truce, carrying a letter from General Tsutsumi proposing negotiations for surrender. Representatives from both sides began discussions, and by 6 PM, the 91st Division formally surrendered the garrisons of Shumshu, Paramushir, and Onekotan. On August 20, Gnechko dispatched a small detachment on six vessels to seize control of the airfield at Kataoka. However, as they crossed the Second Kuril Strait, batteries on both sides of the narrow waterway opened heavy fire on the Soviet ships, forcing them to withdraw. This breach of the surrender agreement sparked a renewed offensive at 1 PM, coordinated with air strikes. The bases at Kataoka and Kashiwabar were bombed by 61 aircraft, which dropped over 200 bombs, enabling ground troops to push forward up to six kilometers. It was not until General Tsutsumi intervened that the Soviets were assured the Japanese would indeed lay down their arms. Meanwhile, Andreyev's convoy arrived at Maoka harbor on the morning of August 20, successfully landing the first wave of marines amid heavy fog. They quickly spread out and secured the area while the second and third waves of infantry followed behind. By noon, the port area was secured, and the marines began advancing eastward into the city, supported by infantry on their flanks. Taken by surprise, the Japanese defenders were ultimately compelled to retreat, with the 113th Rifle Brigade pursuing them through the mountains to the villages of Futamata and Osaka. In Manchuria, between August 20 and 21, Vasilevsky's units continued their advance to occupy the region's main centers. Stalin urged for greater speed, fearing that any delay might prompt President Truman to order General MacArthur's air-naval assault forces to land there. Notably, Pliyev's first column successfully captured Kalgan, while his second column moved south toward Beijing, securing Gubeikou at the border. Located in one of the passes through the Great Wall, marking the border between Manchukuo and China, the town was garrisoned by Japanese units. These forces surrendered upon the approach of the Soviet troops, who then quickly advanced toward Beijing, about 100 kilometers away. Although not the former capital itself, this area was under the control of Chinese Communist forces known as the 8th Route Army, who aligned with the Soviets. Generalissimo Chiang Kai-Shek was acutely aware that any Japanese capitulation to the Communists in northern China would allow the latter to occupy vital territories, making their removal difficult. Consequently, he commanded the 8th Route Army not to accept any Japanese surrenders, insisting they only surrender to Nationalist forces, with dire punishments threatened for defiance. Adding to the complexity, the Soviet Union and China had signed the Sino-Soviet Treaty of Friendship and Alliance, discussed at Yalta, just six days earlier on August 14. This treaty promised mutual respect for sovereignty and non-interference in each other's internal affairs. The Soviets had also committed to providing “moral support and aid in military supplies and other material resources” exclusively to the National Government as the legitimate central authority of China. Thus, a significant political and military predicament loomed. However, the Soviets quickly extricated themselves from this situation when Malinovsky issued an order forbidding Pliyev's forces from crossing the border. As Pliyev recounted, his formations were poised just halfway between Chengde and Beijing, needing “only one 'leap' to the Chinese capital.” He noted, “I had to suspend the offensive and move north beyond the Great Wall.” Units from the 6th Guards Tank Army occupied both Changchun and Mukden, initiating a rail movement towards Port Arthur and Dairen. For those curious, at Pingfan and Changchun, General Shiro Ishii and the remaining personnel from Units 731 and 100 were captured by Soviet forces. In a tragic turn of events, all test subjects were murdered and cremated, while the Japanese attempted to destroy evidence of their facilities but were unable to do so in time. Following their capture, the Soviets launched an extensive campaign to uncover the secrets behind Units 731 and 100, leading to the Khabarovsk Trial. If you want to learn more about what I would call “japans operation paperclip”, the secret dealings between Unit 731 and the Allies after the war, I did make an episode about it over on my patreon. Its pretty gruesome stuff so big disclaimer there.' The Soviets arrived to Dairen on 24 August, although these places had surrendered to air-landed forces two days earlier. This was, no doubt, much to the relief of Stalin, as these were amongst the main locations where he most feared American intervention. Indeed, on the day of the landing he had told Vasilevsky to ‘keep in mind' the fact that any delay could mean ‘Truman will order General MacArthur to land his naval assault forces'. The long-resisting 135th Independent Mixed Brigade finally surrendered at Aihun, while advanced units of the 2nd Red Banner Army secured Nencheng and Peian before pushing towards Tsitsihar and Harbin. Forward detachments from the 15th and 1st Red Banner Armies also reached the already-occupied Harbin. Furthermore, advanced units of the 5th and 25th Armies arrived in Jilin to reinforce the air-landed detachment there. Additionally, units from the 88th Rifle Corps and the 10th Mechanized Corps began their southward movement into Korea, heading toward the 38th Parallel. In North Korea, Kabanov dispatched a marine battalion and other units, totaling around 2,000 men, to occupy the fortified port of Gensan on August 20. The following morning, the landing force arrived and disembarked without opposition. However, the Japanese garrison refused to surrender until orders from higher command were received. Meanwhile, Japanese troops began to peacefully surround the harbor area, while Soviet sailors and marines, in a similarly calm manner, took up their defensive positions. As Kabanov noted, “An incomprehensible situation arose, neither peace nor war. The enemy has numerical superiority, but he neither fights nor wants to capitulate.” Unsurprisingly, he added, “the night passed in suspense.” The surreal situation was resolved when Rear Admiral Hori Yugoro and Colonel Tado boarded the frigate EK-3 to meet with Captain Studenichnikov on the morning of August 22. During their discussions, they attempted to negotiate terms, but the Soviet captain issued a bold threat of an immediate large-scale air strike and the initiation of hostilities at the port unless they surrendered unconditionally. While the latter was likely an empty threat, the Japanese officers signed the surrender agreement nonetheless. The process of surrendering the garrison began that evening and continued until August 26. In total, the Soviets captured more than 7,000 officers and men, along with all their military equipment. Looking toward the northern Kuriles, Japanese forces on Shumshu finally began to lay down their weapons on the afternoon of August 22, as Gnechko's units spread out to secure the island. In Manchuria, airborne detachments were also landed at Dairen and Port Arthur to secure these key administrative centers before the Americans could take control. Vanguard units of the 6th Guards Tank Army arrived to reinforce them two days later. Meanwhile, in South Sakhalin, heavy fighting persisted at Futamata despite Mineki's ceasefire agreement on August 22. Soviet air strikes supported the ground forces when weather conditions allowed, and the Japanese finally surrendered by the nightfall of August 23. At the same time, Andreyev dispatched three marine battalions on a small convoy to capture Otomari. However, a fierce storm forced the flotilla to seek refuge in the port of Honto on the morning of August 24. Once the storm subsided that evening, the force left a company of marines to garrison the port and resumed their voyage to Otomari, arriving there on the morning of August 25, just as elements of the 113th Rifle Brigade reached the eastern outskirts of the city. By noon, the 88th Division surrendered, and the city was secured. Shortly after, the 214th Tank Brigade arrived at Toyohara to secure South Sakhalin's administrative center. Thus, the South Sakhalin operation concluded with nearly 18,320 Japanese soldiers taken prisoner. Yet, this wouldn't mark the end of operations for General Cheremisov's 16th Army. Stalin pushed for the 87th and 135th Rifle Brigades, along with three marine battalions, to assemble at Otomari and execute amphibious landings on the southern Kurile Islands, specifically, Etorofu, Shikotan, and Kunashiri, and the islets of the Habomai group. The failure to include the Kuril Islands in the areas designated for surrender to Soviet forces in Truman's General Order No. 1, originally issued on August 15, exacerbated Stalin's inherent suspicions regarding American intentions. Consequently, Vasilevsky was instructed to organize landings on the Kurils, ensuring that, similar to Port Arthur, Soviet occupation would manifest physically through boots on the ground. Despite Truman's subsequent correction of the omission, mistrust endured, as did the directive to occupy the islands. However, where Stalin hesitated was concerning Hokkaido. Truman's somewhat abrupt rejection of Stalin's demand for a portion of Hokkaido undoubtedly irritated the Soviet dictator, yet he chose not to take further action. Scholarly debates have arisen around the rationale behind Stalin's ‘retreat.' When viewed within the framework of his stated geostrategic goal of securing the Soviet Union's sea lines of communication in the Pacific, it becomes understandable. Churchill once likened the Soviet Union's challenges in this regard to those of a “giant with his nostrils pinched.” A look at the map reveals that control of the Kurils would significantly alleviate this pressure in the Far East, making their acquisition crucial. Similarly, occupying southern Sakhalin would allow the Soviet Union to control the northern side of the La Pérouse Strait, which connects the Sea of Japan to the Sea of Okhotsk. The strait's opposite shore is formed by the northern coast of Hokkaido, and possessing this area would undeniably enhance the security of communications and is therefore highly desirable. However, any unilateral action in this regard would incur a significant and public breach with the Americans, the consequences of which could not be easily predicted. Given that Stalin's claim to the Kurils was firmly based on the agreement reached at Yalta, an agreement which Truman honored, his choice to avoid completely rupturing relations with the U.S. was motivated by strategic self-interest. Consequently, Andreyev's flotilla, carrying these units, departed Otomari on August 27, reaching the west coast of Etorofu at 3:15 AM on August 28. The landing, conducted using small boats, went unopposed and was met by the surrender of General Ogawa's 89th Division. The occupation of the other islands was also peaceful, with the Soviets securing Kunashiri by September 2, and Shikotan and the Habomai islets by September 5. The remaining northern Kurile Islands surrendered without incident as elements of Gnechko's Kamchatka forces arrived at Paramushir on August 24, Onekotan and Shiashkotan on August 25, Matsuwa by August 26, Shimushiru on August 27, and Uruppu by August 29. In total, 63,840 prisoners were taken throughout the Kuriles. On August 24, air-landed detachments arrived at the cities of Pyongyang and Kange to secure the last administrative centers in North Korea. Two days later, units of the 25th Army reached Gensan. With this move, albeit with some geographical liberties, Chistyakov asserted that "the troops of the 25th Army, on the orders of Marshal Meretskov, reached the 38th Parallel.” In the days that followed, units of General Kushibuchi's 34th Army gradually began to surrender and disarm. Finally, in Manchuria, most of Yamada's units had surrendered and were being disarmed. However, one unit continued to resist until the end of the month. The bypassed and encircled 107th Division was engaged in fierce fighting for survival against the 94th Rifle Corps. Due to a lack of communication with Kwantung Army Headquarters, they did not receive any ceasefire orders. As a result, a staff officer from General Iida's 30th Army was dispatched by plane to locate the division and deliver the ceasefire orders. The 107th Division was found near Chalai, and the plane made a forced landing between the Japanese troops and the opposing Soviet forces. The staff officer successfully delivered the orders terminating hostilities in that sector on August 30, which the Japanese troops promptly complied with. By September 1, units of the 53rd Army occupied Kailu, Chaoyang, Fuhsin, and Gushanbeitseifu, while forward detachments secured the Chinchou area on the Liaotung Peninsula. This marked the conclusion of the Manchurian campaign, with the Soviets claiming to have captured between 594,000 and 609,000 prisoners of war across Inner Mongolia, Manchuria, and North Korea. The captured Japanese military personnel were subjected to forced labor in Siberian internment camps, as well as camps in Sakhalin, Manchuria, Kazakhstan, Uzbekistan, and Mongolia. A significant number were assigned to the construction of the Baikal-Amur Mainline. Unfortunately, the treatment of prisoners of war was deemed inhumane and mishandled. Many suffered from malnutrition, overwork, cave-ins, floods, unsanitary working conditions leading to epidemics, harsh winter weather, violent guards, and brutal suppression of even mild resistance. Disturbingly, some Japanese prisoners were even lynched by their fellow captives. Estimates suggest that between 60,000 and 347,000 Japanese died in captivity. Although 18,616 prisoners were released in 1946, the process of repatriating prisoners of war extended into the 1950s. Those who remained after 1950 were detained for various convictions. However, their release began in 1953 under different amnesties. Following Josef Stalin's death and the subsequent Khrushchev Thaw, the Soviet attitude toward the remaining Japanese prisoners shifted significantly. Accompanied by Soviet officials, they were taken on tours of cities and allowed to purchase gifts for their families. Before repatriation, a banquet in Khabarovsk, hosted by Nikolai Gagen, included high-ranking prisoners such as Jun Ushiroku as attendees. The last major group of 1,025 Japanese POWs was released on December 23, 1956. After that, some Japanese POWs were released in small groups, with some only returning in the 1990s following the collapse of the Soviet Union. Interestingly, some prisoners who had been held for decades, many of whom had married and started families during their captivity, chose not to return permanently to Japan. The Soviets committed numerous war crimes during their invasion and occupation of Manchuria and other Japanese territories. During the invasion, Soviet soldiers killed and raped Japanese civilians and looted civilian property. Following the Soviet invasion of Manchuria on August 9, 1945, a large number of Japanese citizens residing in the region sought to repatriate to Japan. The Supreme Commander for the Allied Powers supervised this mass movement and, in October 1945, delegated responsibility to Japan's Ministry of Health and Welfare. The Kwantung Army, which was meant to protect the Japanese settlers in Manchuria, quickly retreated and abandoned them. With most able-bodied men drafted into the army, the majority of those left behind were women, children, and the elderly, rendering them highly vulnerable to attacks from Soviet soldiers and local Chinese seeking revenge.In Soviet-occupied Manchuria and North Korea, the repatriation of Japanese civilians was characterized by violent expulsions, accompanied by widespread looting, mass killings, and rampant sexual violence perpetrated by both Soviet soldiers and local populations seeking retribution. Many Japanese civilians succumbed to starvation, disease, mass killings, and mass suicides. Approximately 223,000 Japanese civilians residing in the Soviet-occupied zones died, most within a year and a half after August 9, 1945. Regarding the extensive rape of Japanese women and girls by Soviet soldiers, a former Japanese soldier, Wakatsuki Yoshio, detailed these grim experiences in his memoir, The Records of Postwar Repatriation “What word can possibly describe the violence committed by the Soviet soldiers on Japanese women? I can only think of the word “hideous”. The victim could be a girl of twelve or thirteen years old or an old lady of almost seventy years old. These soldiers did not choose the sites where they raped them, in public, in broad daylight, even on snow-covered roads”. The Soviet invasion of Manchuria in 1945 left many Japanese women stranded after their male family members were either conscripted or killed. These women, including young girls, endured severe hardships, facing gang rapes by Soviet soldiers and local Chinese militia groups. In a desperate effort to survive, many were forced to marry Chinese men, either out of necessity or in exchange for assistance in repatriating their remaining family members. Disturbingly, some victims were as young as thirteen. Some women were held in groups and subjected to repeated sexual violence over extended periods. In certain instances, to ensure the safety of the group, members of the Japanese community offered women to their perpetrators. There were also reports of women voluntarily submitting themselves to protect their families, younger peers, or others in their communities. After Japan's defeat in 1945, leaders of the Kurokawa Settler Group in Manchuria offered approximately 15 young women, aged 17 to 21, to Soviet soldiers in exchange for protection. This tragic practice continued from September to November 1945, with some of the women later being offered to Chinese soldiers as well. With no protection from Japanese soldiers, Japanese women often had to devise unique strategies to avoid rape. Memoirs from female repatriates detail various escape tactics. Some women hid in attics every night, narrowly avoiding capture or even gunfire. Others managed to trap intruders in rooms before fleeing or bribed Soviet soldiers with valuables, such as wristwatches, to secure their escape. Notably, some women, particularly former geisha and bar workers, voluntarily went with Soviet soldiers to protect others. These women were referred to as tokkōtai (kamikaze) for their self-sacrifice. Additionally, it wasn't just Japanese women who suffered; Korean and Chinese women were also victims of sexual violence at the hands of various perpetrators in Manchuria. British and American reports indicate that Soviet Red Army troops looted and terrorized the local population in Shenyang, a city in Manchuria. A foreign witness described how Soviet troops, formerly stationed in Berlin, were permitted by the Soviet military to enter Shenyang for "three days of rape and pillage." In Harbin, Soviet forces ignored protests from leaders of the Chinese Communist Party regarding the widespread mass rape and looting committed by their troops. In the immediate aftermath of the war in 1945, in areas of Manchuria occupied by the National Revolutionary Army, 176 Koreans were killed, 1,866 were injured, 3,468 were detained, and 320 were raped by armed Chinese mobs. The attacks against Korean residents in Manchuria were believed to stem from a perception of Korean collaboration with Japanese colonial rule. One of the most infamous instances was the Gegenmiao massacre. On August 10 and 11, Xing'an was bombed, nearly destroying its urban functions. It is estimated that 3,000 of the 4,000 civilians. Anticipating the Soviet invasion, Xing'an had prepared an evacuation plan divided into three groups based on residential area and workplace. The Kwantung Army, however, failed to inform the General Office officials about their retreat. As a result, residents in the eastern area, many of whom were self-employed or office workers, had difficulty obtaining information and securing transportation, while those in the western area had military personnel who were first to learn of the situation. Some of the civilians with a handful of armed men had proceeded on foot towards Gegenmiao Township, about 35 kilometers southeast of Xing'an Street, to wait for a train at Gegenmiao Station and then evacuate to Baichengzi. They aimed to receive protection from the Kwantung Army in Baichengzi. Around 11:40 AM on August 14 in the vicinity of Gegenmyo Hill, where a Lamaist temple was located, they encountered an infantry unit consisting of 14 Soviet medium tanks and 20 trucks. The column reportedly stretched for two kilometers, with about a hundred survivors among them. Soviet troops launched an attack from the hilltop, deploying tanks with machine-gun fire. The tanks attacked multiple times, and when they ceased, Soviet soldiers disembarked and ruthlessly shot and bayoneted survivors. Many who escaped death from gunfire were still severely injured or witnessed family members being killed. Some were left holding their loved ones or chose to commit suicide. It is estimated that only about a hundred survivors were later confirmed, including nearly 200 schoolchildren from the Xing'an Street Zaiman National School. Kwantung Army units, which were supposed to escort the civilians and counterattack, had already retreated southward. Even after the Soviet soldiers left, sporadic gunfire continued, presumably due to suicides. Local residents began to plunder the bodies, stripping them of clothes and valuables. Others drowned in the river while attempting to escape. Reports tell of one woman who had her child killed by Soviet soldiers, only to later face an attack from Chinese militia, who stripped her of her clothes and mutilated her. Surviving mothers and children were also attacked, and those separated were often taken by the Chinese. At the time, it was common for Japanese boys to be sold for 300 yen and girls for 500 yen. Some survivors gathered together and began committing mass suicide, killing those who wished to end their lives. Others expressed intentions to form a death squad with rifles for revenge but ultimately did not resist.   After the war ended on August 15, attacks on displaced persons continued. A 12-year-old girl who joined a group of about ten women after the incident reported that they were attacked and robbed, taking over a week to reach Zhenxi Station, 10 kilometers from Gegenmiao Station. The women sought shelter in an abandoned house near the station but were discovered by Soviet soldiers that night who assaulted them until midnight. Afterward, the soldiers piled dry grass into the house, setting it ablaze in an attempt to burn the women alive. The girl and her sister managed to escape through a window, but many others could not flee in time due to the fire's rapid spread. The girl was forced to live as a residual orphan afterward. Fortunately, some Chinese, Mongolians, and Koreans provided food for the survivors, with some Chinese showing kindness towards the children. Those orphaned children, whose parents had been killed, became known as residual orphans, with about 30 in this unfortunate situation. Many women were forced to become residual women as well. Tragically, around 200 students from a local school, including the headmaster and his wife, were killed during this chaos. Some historians believe the attack stemmed from Soviet soldiers mistaking the refugees for armed Japanese troops because men within the group were carrying firearms for protection. In general, displaced persons at this time often carried small weapons like rifles, and some groups were even armed with light machine guns. In the pioneer groups, women sometimes participated in fighting against bandits, and in the Sado pioneer group incident, children above the fifth grade were forced into combat, regardless of gender. There may also have been prior skirmishes with other Japanese civilian groups before the war's end, further complicating the situation as the Soviet Army, which included female soldiers, may have regarded these mixed civilian and armed groups as a threat. According to Soviet military combat records, on August 14, the Soviet 17th Guards Rifle Division, 19th Guards Rifle Division, 91st Guards Rifle Division, and 61st Tank Division were stationed northwest of Gezhne Temple, but there was no combat activity in the area. On August 15, this unit advanced toward Bai Chengzi and occupied Bai Chengzi Station, which was then taken over by tanks from the 61st Tank Division. Despite extensive documentation, nothing about this incident was revealed until 2014 during the process of perestroika. Reports from British and American sources indicate that the 700,000 Soviet troops occupying Manchuria also terrorized and looted the local population in Mukden. They were not deterred by Soviet authorities and engaged in what was described as "three days of rape and pillage," with similar atrocities occurring in Harbin and across the country. Amid the mass repatriation of Japanese civilians living in the region, Japanese women in Manchuria faced repeated sexual violence at the hands of Russian soldiers every day. In North Korea, it was similarly reported that Soviet soldiers raped both Japanese and Korean women. Additionally, Soviet soldiers looted the property of Japanese, Chinese, and Koreans residing in Manchuria and North Korea. 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. Amid chaotic surrenders, Emperor Hirohito accepted defeat, but Soviet advances continued relentlessly. As they pushed deeper, the Soviets captured key cities, including Harbin, while Japan's soldiers and civilians struggled for survival against the onslaught. War crimes committed by Soviet troops added to the tragedy, with rampant violence against Japanese civilians. Amidst political tensions, the Soviets secured territory, culminating in the surrender of remaining Japanese forces. The grim conclusion of this campaign marked a profound shift in the power dynamics of East Asia and paved the way for post-war ramifications.

If you've ever wondered how to take some of the emotional sting out of estimated tax payments, this episode is for you. I share a simple yet impactful way to manage your cash flow, a simple formula to help you better estimate your estimated payments, and how to segregate your savings to give you a clearer picture of your cash-on-hand to make your quarterly estimated payments.     As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our monthly “planning life on purpose” newsletter that's filled with tips and ideas to help you plan your best life, on purpose. You can also set up a Triage conversation to learn a little bit more about how we serve in the capacity of a personal and professional CFO: helping OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions both in and out of their practice to ultimately help them live their best life on purpose. If you're interested in learning more about the 20/20 Money Financial Success Masterclass, a course & platform that we created to help ODs become “brilliant at the financial basics,” or are interested in learning more about how OD Masterminds creates space for real conversations, real accountability, and real growth, please check out the link in the show notes of this episode to learn more.     Resources: 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form 20/20 Money Episode #180 – Understanding estimate tax payments to proactively manage cash flow     ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

For more than a decade, financial advisor and author Wes Moss has surveyed people near and in retirement. In Part 1 of this two-part discussion with Robert Brokamp, Wes shares the financial and non-financial metrics and habits of the happiest retirees. Also in this episode: - How the current bull market compares to those of the past - Estimates for the future returns from stocks - How to make more on your cash Tickers discussed: SGOV Host: Robert Brokamp Guest: Wes Moss Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

2026 forward corporate earning estimates are the farthest they have ever been from historical averages.This makes a future downward revision a near-guarantee at this point; which will in turn force stocks to reprice downwards as well.So warns portfolio manager Lance Roberts.While he doesn't see much on the immediate radar to suggest the market is in any near-term trouble, he's concerned this lurking repricing risk will grow the more that earning estimates distort to the upside.For everything that mattered to markets this week, watch this Weekly Market Recap video.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#corporateearnings #aistocks #marketcorrection _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

In this episode, Scott Becker discusses hims & hers seeing a stock dip despite strong annual growth after narrowly missing quarterly revenue expectations.

On Monday's Mark Levin Show, WJNO's Brian Mudd fills in. The Senate Parliament has rejected a central Medicaid provision in the Senate GOP's sweeping budget bill, delivering a significant setback to Republican efforts to reduce federal spending. In addition, the Big Beautiful Bill is a determent to the Democratic agenda, which is why there are efforts to oppose it. If the bill does not pass, taxes could rise significantly, placing a heavy financial burden on average households. Estimates suggest that families could face an increase of up to $3,900 in annual taxes, which leads to increased financial strain, requiring people to work more or rely on government assistance. Lastly, one of the bill's key components involves encouraging NATO allies to contribute more to shared defense costs. Under President Donald Trump's leadership, the U.S. has invested approximately $404 billion into NATO, and the bill proposes using tariffs as a way to balance these contributions. Advocates believe this approach would help ensure that other countries share the financial responsibility, making this another reason to support the bill. Learn more about your ad choices. Visit podcastchoices.com/adchoices