Podcasts about Withdrawal

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Private legal practitioner Kwaku Yamoah Paintsil has stated that the withdrawal application filed by Andy Appiah Kubi, lead counsel for Chairman Wontumi in the Samreboi mining trial, should be rejected by the court, arguing that it goes against the ethical standards of the legal profession

Join Kelley Slaught, owner and CEO of California Wealth Advisors, as she shares insights on retirement income planning, tax strategies, estate planning, and navigating the complexities of retirement finances. Kelley also discusses a proactive approach with inflation during the retirement years. Learn how to avoid common blunders and create a tailored plan for a secure financial future. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

At first reading, Isaac's words can sound severe, even shocking. He speaks of idle speech as fornication, unhealthy attachments as adultery, and certain forms of companionship as idolatry. Yet behind these warnings lies something far deeper than moral anxiety. Isaac is not obsessed with sin. He is consumed with the preservation of desire for God. The entire homily is built upon a single conviction: the human heart was created for divine communion, and anything that captures its attention, dissipates its energy, or redirects its longing away from God becomes a threat to its deepest purpose. For Isaac, impurity begins long before outward acts. It begins when the heart loses its simplicity. When affection becomes possessive, when companionship becomes emotionally intoxicating, when curiosity about others replaces watchfulness over oneself, the soul gradually drifts from its center. The danger is not merely moral failure. The danger is fragmentation. This is why Isaac speaks so strongly about particular attachments and associations. He understands that the heart cannot be divided indefinitely. Every affection shapes desire. Every conversation leaves a trace. Every companionship either strengthens recollection of God or weakens it. His concern is especially acute regarding spiritual relationships because these can easily disguise passion beneath the appearance of virtue. A person may speak about holiness while secretly seeking emotional gratification, admiration, dependence, or control. One may appear spiritual while feeding hidden desires. This is why Isaac repeatedly returns to self-deception. The greatest danger is not obvious sin but the passions clothed in religious garments. Against this, Isaac presents another image: the elder who has guarded his heart through silence, purity of thought, humility, and disciplined speech. Such a person no longer seeks particular people to satisfy hidden needs. He loves everyone equally because his heart has become free. Compassion has replaced possession. Love has become universal because it no longer springs from lack. This is the perfection Isaac describes. The issue, then, is not whether one has relationships. It is whether one's relationships nourish the fire of God or extinguish it. For Isaac, solitude is not an end in itself. Silence is not a technique. Withdrawal is not misanthropy. All of these exist to protect a flame. The Holy Spirit has kindled a fire within the heart, and that fire is delicate. Excessive familiarity, endless conversation, emotional entanglements, and worldly distractions scatter the mind and cool the soul. Yet Isaac is careful to make one exception. There are companions who do not extinguish the fire but increase it. There are friendships rooted in God. There are conversations that awaken the soul, expose the passions, deepen humility, and enlarge desire for divine things. Such communion is not a distraction from the spiritual life but one of its greatest supports. The test is simple: after leaving someone's company, does the heart burn more brightly for God or less? Everything in this passage revolves around that question. Isaac's warnings are not expressions of fear. They are acts of protection. He sees the heart as a sanctuary and desire for God as its most precious treasure. Therefore he urges vigilance, not because human relationships are evil, but because divine love is so extraordinarily precious. The entire passage can be reduced to a single plea: Guard the fire. Choose companions who increase it. Flee whatever diminishes it. And allow your love to become so purified that it belongs to everyone because it belongs first to God. --- Text of chat during the group: 00:09:26 James Hickman: Father, I was away for about a year…moved across the county and my faith formation role was on Wednesday evenings 00:09:50 James Hickman: I have loved The Watchful Mind…love your recommendation…summer break 00:11:05 Fr. Charbel Abernethy: https://www.philokaliaministries.org/post/nazareth-and-the-hidden-life 00:12:21 Anna: 91 in GA right now 00:13:28 Anna: My grandpa had his first class relic 00:16:38 Fr. Charbel Abernethy: https://www.philokaliaministries.org/post/nazareth-and-the-hidden-life 00:16:54 Bob Čihák, AZ: P 206, #11, last paragraph, Fr. A said we should get back to the 2nd sentence. 00:31:04 James Hickman: “…his heart is grievously injured.” Is Isaac speaking of the older monk, ie the one at fault? If so, I like Isaac's compassion to warn against the danger the offended faces. We don't want anyone's heart injured, whether a potential offender or a potential victim. 00:37:51 Bob Čihák, AZ: The double negative in the last sentence of the paragraph tends to confuse my weakening mind. 00:42:37 David Swiderski, WI: It is interesting the human brain only matures after 25 years old. I think most parents can capture this as the entire idea of consequences does not develop till after that. That is why around the world to rent a car you need to be 25. I see people below this age as children still developing but I see others that year to live again in a world without consequences. 00:43:05 Anna: Too often we run to therapy versus running to Christ in prayer and confession 00:44:03 una: Can you speak to how to have a solid spiritual friendship between consecrated people or with priests/monks 00:46:14 Nypaver Clan: Reacted to "It is interesting th..." with

Why do breakups hurt so much? Because neurologically, heartbreak looks almost identical to drug withdrawal. In a landmark 2010 fMRI study, Helen Fisher and her colleagues showed that the brains of the recently rejected lit up in the same reward and craving circuits — the VTA and nucleus accumbens — that drive cocaine addiction. In this episode of The Dr. Leaf Show, Dr. Caroline Leaf unpacks the neuroscience of heartbreak and why it can take at least 63 days to rewire, plus two more segments: why horror movies might actually be good for your brain (and when they're not), and a Pick My Brain Q&A tackling self-love, the attachment styles myth, unconditional love, and how to reignite the spark in a long marriage.

If you've ever convinced yourself you were dying only to discover you just forgot your morning coffee, congratulations—you and Moon have something in common.This episode begins with Moon's dramatic weekend health crisis, which included headaches, body aches, sweating, canceled plans, and a genuine belief that he had caught the flu. After missing parties, skipping events, and suffering through a soccer match, the shocking diagnosis arrived: accidental caffeine withdrawal. One decaf mistake later, Moon was spiraling. Two rose lattes later, he was ready to conquer the world, write albums, and possibly become mayor of Paris.Meanwhile, the crew breaks down one of the most unexpected party surprises in recent memory when former Blues star Jamie Rivers decides the perfect pool-opening gift for his fiancée Ashley is... live monkeys. Not monkey decorations. Not monkey-themed cupcakes. Actual monkeys. Naturally, the monkeys arrive during a crowded backyard party packed with guests, children, music, and enough chaos to make everyone question several life choices. The result is equal parts adorable, confusing, and mildly terrifying.The conversation somehow escalates into monkey behavior analysis, party planning mistakes, surprise animal logistics, and the realization that getting bitten by a monkey in a bikini was probably not on anyone's weekend bingo card.The gang also recaps King Scott's massive baby shower, complete with mountains of gifts, bacon, desserts, and the looming anticipation of the show's upcoming gender reveal. There are discussions about weird party foods, mysterious hot-dog cake creations, and why some recipes should maybe stay inside family cookbooks.As if that wasn't enough, Rafe conducts what can only be described as investigative journalism by revisiting a local Hooters. What follows is an unexpectedly deep exploration of restaurant culture, paper plates, silent dining rooms, forgotten glory days, and whether a restaurant can accidentally become an existential experience. It's part food review, part sociology experiment, and part cry for help.The crew also tackles one of life's toughest questions: what's the saddest food to eat alone? Cake? Ice cream? A blooming onion? The answers get surprisingly personal as stories of lonely desserts, spaghetti mishaps, old promotional cakes, and questionable life decisions come flooding out.From caffeine dependency and monkey business to restaurant nostalgia and emotional food debates, this episode delivers exactly the kind of beautiful nonsense that makes this daily comedy show what it is. If you're looking for a daily comedy show that can seamlessly connect French coffee, poolside monkeys, hot-dog cake, and Hooters trivia without ever making sense, you've found your people.Follow The Rizzuto Show → linktr.ee/rizzshow for more from your favorite daily comedy show.Connect with The Rizzuto Show Comedy Podcast online → 1057thepoint.com/RizzShow.Hear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When it comes to retirement savings, Roth IRAs are among the most powerful tools for achieving tax diversification and financial flexibility. Knowing how and when to tap into your Roth IRA can make a tremendous difference in optimizing your tax situation, ensuring income over the years, and even establishing a valuable legacy for your heirs. On the podcast this week, we're digging into the strategic considerations around Roth IRA withdrawals, covering timing, special scenarios, tax rules, and advanced planning for both your retirement and your family's future.   Roth IRA Withdrawal Rules Before you even think about crafting a withdrawal strategy, it's essential to understand the rules that govern Roth IRA distributions:   Contributions: The money you contribute to your Roth IRA can be withdrawn at any time, free of taxes and penalties. This is because you've already paid taxes on these funds. Earnings (Growth): The gains in your Roth IRA—the earnings on your contributions—are subject to stricter rules. To withdraw these growth dollars tax- and penalty-free, you generally must: Be at least 59½ years old. Have held the Roth IRA for at least five years Roth IRAs offer unique flexibility since they aren't subject to required minimum distributions (RMDs) during the account owner's lifetime, allowing for long-term, strategic use.   Timing Your Withdrawals: Three Key Life Phases Pre-Retirement Flexibility Withdrawing from your Roth IRA before retirement isn't common, but certain life events may make it necessary. Common scenarios include college costs not fully covered by a 529 plan, job loss or layoff, with the Roth IRA serving as an emergency fund if you lack other options, or a first-time home purchase, with special provisions allowing up to $10,000 of earnings to be withdrawn penalty-free for this purpose. While, ideally, your Roth contributions keep compounding for retirement, knowing that you can access them penalty-free if needed provides valuable peace of mind—especially for younger savers balancing competing priorities. Strategic Retirement Withdrawals Once you reach retirement, timing and tax strategy become crucial. Most advisors recommend tapping taxable brokerage and pre-tax accounts (like traditional IRAs or 401(k)s) first, saving Roth IRA withdrawals for years when you need extra flexibility. Scenarios where a Roth withdrawal is especially powerful include when you want to avoid higher tax brackets or Medicare surcharges, or you want to maximize healthcare subsidies. Withdrawing from your Roth IRA rather than from pre-tax accounts can help keep income below the "cliff" and preserve valuable subsidies. Careful coordination, often with personalized modeling or tax projections, ensures you maximize lifetime tax efficiency—not just minimize taxes in a single year. Legacy and Heir Planning For many, the ultimate goal is to leave a financial legacy. The Roth IRA shines here because withdrawals by beneficiaries are tax-free, although subject to a 10-year withdrawal rule for most non-spouse heirs. By positioning the Roth IRA as a legacy asset, you create flexibility for both yourself and your beneficiaries while minimizing future tax headaches.   Why a Personalized Withdrawal Strategy Matters Retirement income planning is complex, with countless moving parts: tax brackets, healthcare premiums, surprise expenses, and more. The accumulation phase may seem simpler, but the drawdown phase is where careful coordination—and making the most of your Roth IRA—ensures long-term success and peace of mind. Detailed, personalized planning is the key to maximizing your savings and retiring with confidence.   Outline of This Episode [01:08] Roth IRAs will likely be used for withdrawals eventually, but not typically first  [03:54] Why you might make pre-retirement withdrawals [06:08] Roth IRA withdrawals in retirement [08:00] Managing withdrawals to optimize taxes [12:19] Managing pre-tax and after-tax accounts [14:55] Personalized financial planning and tax strategies   Resources & People Mentioned The Retirement Podcast Network Roth Conversion by the Decades, Ep #171  Which Roth Account Is the Right Scoop for You? Ep #245 Your Retirement Secret Weapon: The Mega Backdoor Roth, Ep 144    Connect With Chad and Cameron https://www.financialsymmetry.com/podcast-archive/  Connect on Twitter @csmithraleigh @TeamFSINC Follow Financial Symmetry on Facebook   Subscribe To This Podcast   Apple Podcasts Stitcher Google Play  

Andy Roddick breaks down results from Day 13 of the 2026 Roland Garros. Roddick discusses Alexander Zverev's dominant semifinal win over Jakub Menšík, why Menšík's tactics never allowed him to settle into the match, and how Zverev has handled the pressure of becoming the clear tournament favorite. Plus, Roddick reacts to Matteo Arnaldi's heartbreaking withdrawal due to illness after one of the most physically demanding runs in Grand Slam history, what it means for the men's final for Flavio Cobolli, and a quick look ahead to Mirra Andreeva vs. Maja Chwalińska in the women's final match. COMMENT BELOW: Who do you have winning the men's final? Sign up for the Newsletter & Live Chat w/ us during matches! https://servedmedia.substack.com/ Follow Served with Andy Roddick: Instagram: https://www.instagram.com/servedpodcast/ TikTok: https://www.tiktok.com/@served_podcast Learn more about ServiceNow here: https://www.servicenow.com/?campid=271869&cid=pc:brd:brnd:served:26q1:paitwfp_audioredirect_PAITW2_GAI_PAITWFP_HostRead_:none:br_ams:awa&utm_medium=podcasts&utm_source=served  --- --- --- Served with Andy Roddick is your home for all the ATP and WTA Tours Tennis Breaking News, Draw Previews, Match Recaps, Player Interviews, Match Previews and more. We cover the largest tournaments throughout the season including the Australian Open, Roland Garros, Wimbledon, US Open, Shanghai and talk about the best players including Novak Djokovic, Carlos Alcaraz, Jannik Sinner, Rafael Nadal, Coco Gauff, Iga Świątek, Naomi Osaka, Aryna Sabalenka, Alexander Zverev, Daniil Medvedev, Emma Raducanu, Stefanos Tsitsipas, Roger Federer, Jack Draper. --- --- --- #RolandGarros #RolandGarros2026 #Arnaldi #Zverev #Mensik #Cobolli #FrenchOpen #FrenchOpen2026 #Tennis #GrandSlam #ATP #WTATennis #QuickServed Thank you to our sponsors: ServiceNow Learn more about your ad choices. Visit megaphone.fm/adchoices

Kelley discusses essential retirement planning strategies, including Social Security timing, tax planning, and investment diversification, to help listeners build confidence and avoid common pitfalls in their financial journey. 800-810-8060 California Wealth Advisors See omnystudio.com/listener for privacy information.

Kevin discusses retirement strategies during economic uncertainties, including inflation, interest rates, stock market tips, and legacy planning. He emphasizes diversification, risk management, and long-term planning to secure a stable retirement. 480-406-3396 Silver Leaf FinancialSee omnystudio.com/listener for privacy information.

Thanks to our partners Promotive, WickedFile, Maverick Shop Owners, and OverdryveWhat if the government — and a few well-known billionaires — were offering to deposit cash directly into an account for your child or grandchild, no strings attached, starting July 4th? Would you sign up?In this solo episode, Hunt Demarest, CPA at Paar Melis & Associates, breaks down everything currently known about the newly announced Trump Accounts — officially called 530A plans — before they go live. Hunt cuts through the political noise to answer the only question that matters for shop owners and their families: is this worth your time, and how do you get your share of the free money on the table?From the $1,000 Treasury Department seed deposit for children born between 2025 and 2028, to the $250 Dell family contribution available in qualifying zip codes, to how self-employed shop owners can structure employer contributions for a legitimate tax deduction — Hunt walks through what we know, what's still uncertain, and how these accounts stack up against the 529 plans and Roth IRAs you're probably already using.Whether you're a shop owner with young kids, a grandparent looking for a smarter savings vehicle, or a business owner thinking about a new fringe benefit for your team — this episode is essential listening.What You'll Learn...(03:05) What a Trump Account actually is — and why the 530A plan isn't as new as it sounds(06:02) The $1,000 government seed deposit — who qualifies and why Hunt says everyone eligible should sign up immediately(09:07) Contribution limits, employer deductions, and the fringe benefit opportunity for your employees(10:14) Withdrawal rules — why the money is locked until the child turns 18, and what it can be spent on(11:15) Using a Trump Account to buy a first home or start a business — and the creative opportunities that creates(12:27) The Dell family's $250 zip code contribution — why Hunt says don't risk missing it, just sign up(17:14) Trump Accounts vs. 529 plans — the key differences that actually matter for your family(19:45) Trump Accounts vs. Roth IRAs — the side-by-side comparison for shop owners who pay their kids through the business(22:23) Hunt's honest take on what he's actually doing for his own kids — and why the employer deduction changes everythingIf you're ready to stop letting politics get in the way of free money, understand exactly how these new accounts fit alongside the strategies you're already running, and find out whether July 4th is a deadline you actually need to worry about — this episode is essential listening.Thanks to our partner, PromotivePromotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our partner, WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Thanks to our partner, Maverick Shop OwnersYou're working on growing a more profitable shop - that's critical. That's exactly what the 24-video Blueprint course by Maverick Shop Owners addresses - customers, sales, profit, people, systems, and freedom. Get free access for our listeners only at https://maverickshopowners.com/blueprintThanks to our partner, OverdryveOverdryve is your AI-powered marketing operating system. It predicts slow weeks before they happen, automatically launches revenue-driving campaigns, tracks ROI down to the dollar, and optimizes performance in real time. Visit https://overdryvemarketing.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Beyond the Bays: A Financial Playbook for Auto Repair Shop OwnersWrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Remarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open DiscussionDiagnosing the Aftermarket A to Z with Matt Fanslow: From Diagnostics to Metallica and Mental Health, Matt Fanslow is Lifting the Hood on Life.The Weekly Blitz with Chris Cotton: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching.Speak Up! Effective Communication with Craig O'Neill: Develop Interpersonal and Professional Communication Skills when Speaking to Audiences of Any Size.Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest.The Auto Repair Marketing Podcast with Kim and Brian Walker: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level.

Born in Germany and raised in Denmark, Fiona Frenzen is a qualified teacher with a master's degree in anthropology. For years, she had a dream about living in Iceland, seeking the grounding and healing effect of nature. But due to her health challenges and severe withdrawal syndrome, this dream seemed unrealistic. However, this past fall, she moved to a rural part of Iceland where she began teaching at the local elementary and high school. She dreams about putting her degree in anthropology to use by working in research and contributing to the awareness of the risks of antidepressants and the difficulties of withdrawal. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. https://www.madinamerica.com/donate/ To find the Mad in America podcast on your preferred podcast player, click here: https://pod.link/1212789850 © Mad in America 2026. Produced by James Moore https://www.jmaudio.org

Last time we spoke about the second phase of the One Hundred Regiment Offensive.  During the second phase of the Hundred Regiments offensive, CCP forces emphasized strongpoint and transportation warfare across the Taihang/Jizhong area. Units were organized with wings containing Japanese positions while a central force struck deeper, as in the Renhe Dasu fighting in early October 1940. Night raids seized strongholds, while engineers and sabotage teams disrupted roads, bridges, and mobility, and ambushes targeted Japanese foraging and supply routes. Across these theaters, the strategy was consistent: make Japanese control porous by destroying or capturing local nodes and forcing constant repairs, re-routing, escorts, and slowed reinforcement, so occupation logistics and strongpoint networks could not function reliably. This approach supported wider offensives by isolating strongpoints, draining enemy strength, and giving Communist base areas room to endure and expand.   #204 The One Hundred Regiment Offensive Phase Three Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. After the two large-scale offensives carried out over wide areas of North China, the Japanese army did what it always did when control started to slip: it tried to turn mobile pressure back into something it could "manage" again. The Eighth Route Army's continued fighting had shown that Japanese-occupied space was not secure, and that base areas could still resist, strike, and persist even while under counterpressure. That was dangerous for occupation. If the enemy could keep operations going, Japanese lines of movement stayed uncertain and "stabilization" became a temporary illusion. To prevent the situation from worsening and to re-stabilize the occupied areas as quickly as possible, the Japanese mobilized heavy forces and launched retaliatory counter–"mopping-up" operations against anti-Japanese base areas in North China beginning October 6. The Japanese attempt wasn't only to punish; it was designed to take advantage of an asymmetry: the Eighth Route Army was striking and fighting continuously, and it did not have the luxury of resting, replenishing, and re-cohering as neatly as a garrison army might. Japanese commanders hoped that if they struck hard enough in enough places, the Communist main forces could be isolated, destroyed, or at least forced into a defensive posture that would break their operational tempo. At Liaodong and Yulin, Japanese reinforcements also created a second political-military stake. After the Yuliao Campaign ended, the Eighth Route Army headquarters issued instructions on October 1 to major regions, warning that enemy reinforcements in Liaodong and Yulin might use the opening to "sweep" the Taibei region. In the Communist operational mind, this wasn't just one threat; it was a pattern. A "sweep" could come as a wave that pushed inward, burned villages, destroyed supplies, and tried to force Communist forces out of their protected networks. Even if the offensive couldn't win a conventional decisive battle, it could aim to strip the base areas of people, food, and mobility—things that make guerrilla and strongpoint warfare possible. By October 19, 1940, the Eighth Route Army headquarters issued a counter–"mopping-up" operation plan, and civilian and military authorities in various regions launched counter-"mopping-up" operations accordingly. This is important background: in these campaigns, "mopping-up" was not only an army activity. The Japanese were attempting to break the base system itself—its logistics, its local administration, and the relationship between armed units and civilians who hid, moved, fed, and replaced them. So the counter-operations had to be just as systemic. The Communists needed to keep people alive, keep movement possible, and keep the enemy from consolidating inside a cleared space. In southeastern Shanxi's Taihang and Taiyue regions, the Japanese 1st Army aimed to strike the main force of the 129th Division and destroy anti-Japanese base areas by running a series of mopping operations from October 6 to December 5. The plan had a typical occupation logic: push through strongholds gradually, clear pockets methodically, and rely on local superiority—especially in manpower, logistics, and the ability to reinforce by road. And because the Communist main force had been operating without meaningful rest after the earlier offensives, the Japanese believed they could catch formations while they were still "in between battles." On October 6, in the Taihang region, more than 800 enemy troops from Wu'an in western Hebei began a "mopping-up" operation in the Yangyi area. By October 11, the Japanese posture escalated. Part of the Japanese Independent Mixed 4th Brigade departed from Liaoxian and Wuxiang, while part of the 36th Division departed from Lucheng and Xiangyuan; together they totaled over 3,000 troops. Coordinating from north and south, they carried out operations to "mop up" both banks of the Zhuozhang River between Yulin, Liaoxian, and Wuxiang, encircling and clearing the south side of the Yulin–Liaoxian highway. This emphasis on riverbanks and highway corridors reveals the Japanese method: move along terrain that controls movement, then compress enemy options until the defenders have to fight inside a narrowing space. The counter to that method required more than bravery. The Eighth Route Army's 385th and 386th Brigades, along with the 1st Column of the Decisive Battle, fought on inner lines—where they could move more rapidly between known local positions and threaten the enemy's flanks or supply behavior. Meanwhile the New 10th Brigade fought on outer lines, where it could intercept, delay, and force the enemy to spend time reacting instead of clearing. By the morning of October 15, the New 10th Brigade delivered a concrete example of that interception strategy. Two regiments ambushed an enemy motor-transport convoy at Gongjiagou on the Heliao Highway, destroying more than 40 vehicles and annihilating more than 100 Japanese soldiers escorting the convoy. The meaning of a convoy ambush is strategic even when the numbers are modest: vehicles represent speed, logistics, and reinforcement. If the enemy loses vehicles repeatedly, "mopping" becomes slower, and slower clearing creates openings for the defenders to reorganize, disperse, or shift main effort. After that, on October 17, the enemy forces that had been mopping up the convoy withdrew in different directions. Withdrawal in multiple directions is a sign that the Japanese clearing operation, meant to compress a space, had instead been forced into a reactive mode. It also hints at a recurring pattern in these years: Japanese units could clear what was already weak, but when defenders hit their movement corridors, the occupiers had to spend time and combat power simply to recover mobility. The next major sweep began October 20, 1940, and it was much larger. Nearly 10,000 troops—from the 36th Division and Independent Mixed Brigade No. 4—set off from multiple locations, including Wu'an, Liaoxian, Wuxiang, and Lucheng, to sweep the area east and west of the Qingzhang River, focusing on land between Matian and Zuohui. Crucially, that was not random ground. The Japanese sought to strike the CCP Central Committee Northern Bureau, the Eighth Route Army headquarters, and the 129th Division headquarters, along with party and government organs of the Jin-Ji-Yu Border Region, located together with Shexian and Piancheng. In other words, the Japanese targeted not just armed units but the political-administrative heart that makes base areas function. Once in the attack area, the Japanese carried out "mopping-up" operations paired with burning and killing for several days. That brutality wasn't only cruelty; it served a purpose. Burning villages, destroying crops, and killing civilians could deny the base area food and shelter while making local cooperation more difficult. Then, on October 26, the Japanese began to withdraw and carried out mopping-up in different areas on the way back. The base area was "severely damaged and destroyed," indicating that even when the Japanese didn't annihilate the main Communist force, they could still achieve degradation—hurting the system they needed to keep operating. But the Communists were not simply absorbing damage. On October 29, a force of over 500 men from the 36th Division, plus over 400 supply and laborers, was mopping up Huangyandong and advanced through Zuohui to Guanjia'nao east of Panlong, preparing to return to Wuxiang. This is where counter-mopping becomes operationally dangerous for the occupier. Supply and labor detachments move differently from combat formations, and they represent an enemy's assumption that the base area is being "cleared." The Eighth Route Army headquarters ordered, at 1:00 p.m., for the 129th Division to concentrate its main force to annihilate the enemy. That night, the 129th Division—uniting the main forces of the 385th and 386th Brigades, parts of the New 10th Brigade, and the First Column of the Death Squad—surrounded the enemy at Guanjia'nao with a plan to launch a general offensive at 4:00 a.m. The besieged enemy, besides quickly building fortifications, seized Fengkengding high ground southwest of Guanjia'nao under cover of darkness. The two high points helped defenders support one another and resist stubbornly. The battle lasted until dawn on October 31, when most of the enemy had been annihilated, leaving only more than 60 men to hold positions. Then reinforcements arrived—over 1,500 from Huangyandong—supported by more than 10 aircraft. The 129th Division withdrew, and the remaining enemy fled toward the flood, leaving behind more than 280 corpses. By then, most Japanese troops had withdrawn from the central base area. The background stake is clear: "mopping-up" could damage and burn, but if defenders could convert the Japanese attempt into a trap—especially when enemy units had become separated from their core and committed to clearing—they could turn a destructive operation into a costly one for the occupier. In early November, the Japanese continued. In Licheng south of Taihang, Japanese forces invaded Nanweiquan and Beiweiquan and then Xijing. Elsewhere, Japanese forces in Xiangyuan invaded Panlong via Xiying, attempting to attack Dongtian and the area around Zhuanbi, where the Eighth Route Army headquarters was located. In that moment, the 386th Brigade was ordered to rush to the north–south line of Damocun, east of Panlong, block the invading enemy, and cover the transfer of the Eighth Route Army headquarters. At 9:00 a.m. on November 3, 1940, fierce fighting broke out as the troops finished deploying near Damocun. The Japanese launched continuous attacks and captured some positions. The 386th Brigade held until 4:00 a.m. on November 4, then withdrew after the headquarters successfully moved. The Japanese attempt to launch a pincer attack failed, and they retreated to the Baijin Line on November 5. Even when Japanese action couldn't be fully blocked, the counter's aim was not only tactical survival but prevention of strategic encirclement—protecting the central institutions and preserving the ability to fight again. In the northern Taihang region, more than 2,500 enemy troops from Heshun arrived in Yushe on November 3 via Hanwang Town and Changcheng Town, reinforcing Japanese forces in the Yu, Liao, and Wu areas. Then they carried out repeated mopping operations south of the Yuliao Highway, including Jiangtang, Lingshang, Songjiazhuang, Guojiao, and Dayouyi. Harassment and attacks by military and civilians forced Japanese troops back into their strongholds by the 13th. A "40-day" counter-mopping operation in Taihang came to an end. The term "40-day" isn't only calendar time; it suggests that these were not one-off battles but sustained campaigns of movement, dispersal, and repeated harassment meant to drain the enemy's capacity. Starting November 17, the Japanese launched a multi-pronged attack on Qinyuan and the area north of Guodao Town. The attack involved part of the 37th Division from Qin County and Nanguan Town, part of the Independent Mixed Brigade from Pingyao, Jiexiu, and Huo County, and a battalion of the 41st Division from Hongdong—more than 7,000 troops deployed to attack Qinyuan and the north area. But the Taiyue Military Region response shows how the Communist counter-mopping wasn't always to meet force with force. To avoid the enemy's "sharp edge," the Taiyue Military Region formed two detachments—Qin East and Qin West—with leadership and main force moving to both sides of the Qin River outside the Japanese attack zone, targeting scattered Japanese troops instead of being fixed into a single killing field. By November 23, due to harassment by local armed forces, the Japanese reached the attack zone and then carried out dispersed mopping operations. Qinyuan County was the most severely damaged, with more than 5,000 people killed (about one-tenth of its population), nearly 10,000 livestock killed and over 7,000 stolen, and 30,000 to 40,000 houses destroyed. Those details are brutal, but they explain why background stakes mattered: "mopping-up" was meant to break the social base. If civilians died or fled, the guerrilla system became harder to sustain. The response from the Dayue Military Region seized the opportunity created by Japanese dispersal. On November 23, the 42nd Regiment of the Qinxi Detachment annihilated more than 100 Japanese soldiers in Guantan. On November 27, parts of the 42nd and 59th Regiments killed or wounded more than 160 in Huhanping and Mabei. The Qindong Detachment's 17th and 57th Regiments inflicted serious damage in a series of places—Guang'ao, Chenjiagou, Longfosi, Wuyuanzhen, Nanweicun, Nanli, and more. The 17th Regiment's battle at Longfosi annihilated more than 100 Japanese. Additional heavy losses were inflicted by the 212th Brigade in Jiaokou. By December 5, the Japanese were forced to withdraw from the Taiyue area in separate routes. Strategically, dispersal punished the occupier because scattered units are harder to protect and easier to ambush. Across the Jin-Cha-Ji Border Region, anti-"mopping-up" operations unfolded gradually, beginning with the Pingxi area, the first target of the Japanese on the path toward the Japanese-held headquarters and rail lines. Pingxi mattered because it directly threatened the headquarters of the Japanese North China Area Army and Beiping—the puppet regime's center—and also threatened the Pinghan and Pingsui railways, North China's main transportation lines. So Pingxi became an operational priority: if the occupier couldn't keep the rail network secure, their ability to reinforce and supply their own strongpoints suffered. On October 13, 1940, more than 10,000 Japanese and puppet troops attacked Sanpo, the central area of the Pingxi base area, in 10 routes. This attack used a methodical, steady approach: advance gradually, rely on strongholds, and cover 5 to 10 kilometers each day. In response, the Pingxi Military Sub-district countered using timely maneuvers of its main forces and extensive guerrilla warfare. Over more than a week of fighting, the enemy was constantly harassed and attacked, wearing them down. Although Japanese troops penetrated deep, they failed to identify the main force's movements. By November 21, when the encirclement tightened further, the Pingxi main force jumped out from the Sanpo area and moved southwest. Encountering the enemy at Pengtou, it then moved to the Yegu and Datai line east of Bancheng. After the Japanese entered the Sanpo area, they conducted widespread burning and killing and looted grain. Starting from the 23rd, the Japanese retreated in different routes. By the end of October, the main force had withdrawn from Pingxi, but more than 2,000 troops remained in the Pingxi anti-Japanese base area to build strongholds and roads. Strongholds were added in places like Changping and Wanping—14 strongholds alone—and villages such as Dongzhaitang and Dujiazhuang came under their control. The base area began to shrink and shrink. That shrinkage is the other background stake: even when guerrilla forces avoid annihilation, the occupier may still carve away space through fortification. On October 19, 1940, the Eighth Route Army headquarters instructed that enemy attacks in Pingxi and Taihang might turn around and attack the Beiyue area. The Jin-Cha-Ji Border Region needed to prepare quickly to crush these "mopping-up" operations, coordinating Party, government, military, and civilians and conducting in-depth combat mobilization. The main force should assemble in appropriate positions and prepare to annihilate one or two enemy forces decisively. The headquarters also instructed the 129th and 120th Divisions to cooperate actively. By November 9, 1940, the Japanese struck again in a massive sweep. The 110th Division, along with other units and more than 14,000 puppet troops, launched a "mopping-up" operation in the jurisdiction of the 1st Military Sub-district. The Japanese and puppet troops moved in coordinated lines: along the line of Yi County, Dalonghua, Wang'an Town, Laiyuan, and Chajianling from north to south, while those in Baoding and Mancheng moved east to west. The intent was to squeeze Communist sub-district forces into a narrow area for a decisive battle. On November 10, the Jin-Cha-Ji Military Region issued operational guidelines and deployments for countering "mopping-up" operations. By the 12th, in response to Japanese widespread burning and killing, it further instructed that without hindering mobility, the main force could disperse a portion of troops—no more than one-third—to strike resolutely at attempts to burn and kill. That instruction captures the balance commanders tried to strike: disperse too much and you lose power; disperse too little and you become trapped by the occupier's brutality. The Japanese then attempted to pressure multiple places. On November 9, more than 6,000 enemy troops from Laiyuan, Yixian, and Baoding attacked Guantou, Yinfang, Huangtuling, and Shenbei. On the 12th, their attack failed; they burned and killed people before retreating in different routes. At that time, the 1st Military Sub-district assembled the 1st and 25th Regiments to intercept them. One enemy force of more than 800 was intercepted on the 14th as it retreated from Wujiazhuang to Yuangang; some were killed or wounded. Even so, the enemy broke through under aircraft cover and retreated to Guantou. On the way, it was intercepted again by the 20th Regiment, suffering heavy casualties, and it fled back to Mancheng. Then on November 13, more than 2,700 Japanese and puppet troops attacked the 3rd Military Sub-district; on November 14, about 2,600 advanced from Dingxiang, Dongye, and Wutai toward Fuping and its southwest area in two routes. The Japanese attacked with east-west coordination, launching joint attacks on Taiyu north of Fuping. The Jin-Cha-Ji Military Region headquarters and the command organs of the 3rd and 5th military sub-districts, along with the 2nd, 3rd, and 6th regiments and other troops, transferred to the outer line before the enemy encirclement formed. On the 16th, the Japanese launched a joint attack again on Taiyu and Zhangjiayu, and the guerrillas who failed to transfer fought hard. Commander Wang Pu and Deputy Director of the Political Department Hao Yuming were killed, and troops suffered more than 100 casualties. On November 18, the enemy from Taiyu quickly occupied Hanping City. By the 21st, enemy forces from Daying via Shentangbao and Wuwangkou, and from Wutai via Taihuai, Shizui, Longquanguan, and Xiaguan, also gathered in Fuping City. After occupying Fuping, the Japanese launched repeated attacks "sweeping" areas under the jurisdiction of the 3rd Military Sub-district from both inward and outward strongholds, conducting brutal burning and killing and destruction. On the night of November 21, the 2nd Regiment dispatched more than 30 men to raid Dangcheng and attack Japanese barracks with grenades. The Japanese panicked and fired guns and cannons all night. On the 26th, four plainclothes officers infiltrated Baoding and attacked a theater where the Japanese army was holding a meeting, causing panic among the Japanese. The enemy that had invaded the base area withdrew in different routes on the 25th. By December 3, 1940, most Japanese troops had withdrawn from the Beiyue area, but more than 1,000 remained along lines including Fuping, Wangkuai, Dangcheng, and Quyang to continue building points and roads in an attempt to occupy the area long-term. To force the enemy back, eliminate occupied points, and completely crush Japanese and puppet "mopping-up," the Jin-Cha-Ji Military Region organized the Fuping–Wangkuai Campaign starting December 9, with the 2nd, 3rd, 4th, and 6th regiments participating. At 21:00 on December 14, the 6th Regiment attacked enemy forces in Dongzhuang. The 1st Battalion captured three fortified positions on the north mountain of Dongzhuang and rushed into the village, only for Japanese counterattacks to recapture fortified positions and kill or wound more than 170 Japanese during the counterfight. The 4th Regiment attacked the enemy in Fuping; the 2nd Regiment and guerrilla forces entered Dangcheng and Lingshan. On the 21st, more than 130 enemy soldiers escorting more than 100 pack animals carrying military supplies reached Wangkuai and were completely annihilated when they reached Wanglinkou. By December 26, an ambush in the Xuancun area of the Pinghan Railway destroyed 14 Japanese trains and their vehicles as well as three heavy artillery pieces. On the 27th, more than 1,200 enemy troops advancing from Dongzhuang in Fuping were attacked in Luoyu and Tumen, suffering more than 140 casualties. The remaining Japanese withdrew from Fuping, Dongzhuang, and Wangkuai starting New Year's Day 1941. By January 4, the 55-day anti-"mopping-up" campaign had basically ended, with the Jin-Cha-Ji Military Region killing and wounding more than 2,000 Japanese and puppet troops while suffering 1,382 casualties itself. These numbers and dates show why background and stakes matter: the counter-mopping effort wasn't short. It was sustained, operationally demanding, and required continued offensive action even while facing superior Japanese resources. The pressure didn't end there. From October 25 to early November, about 4,000 Japanese troops, including the 16th Independent Mixed Brigade, launched a mopping operation in the Miyu and Loufan areas of the 8th and 3rd military sub-districts in northwestern Shanxi, but they were attacked by local soldiers and civilians. In mid-December, Japanese forces transferred additional strength: parts of the 37th Division from southern Shanxi and the 41st Division from southeastern Shanxi, along with parts of the 3rd, 9th, and 16th Independent Mixed Brigades and the 26th Division from northwestern Shanxi—totaling more than 20,000 troops—to prepare for a full-scale mopping operation in northwestern Shanxi. After the second phase of the Hundred Regiments Offensive ended, the 120th Division anticipated retaliation and actively prepared for counter-mopping. On October 30, the division was ordered to establish the Jin-Northwest Military Region, and on November 7, the military region was established in Lijiawan, Xing County. The Jin-Northwest Military Region had direct military sub-districts and six military sub-districts: the 2nd, 3rd, 4th, 8th, and Yanbei. Then the occupier escalated. Starting December 14, 1940, the Japanese launched a full-scale mopping operation against the Jin-Northwest region. More than 5,000 enemy troops invaded the Mi-Yu Town area of the 8th Military Sub-district, more than 4,000 invaded Lin-Xian, and more than 6,000 attacked Xing-Xian and the area south of Bao-De from strongholds such as Lan-Xian and Qi-Lan. By December 23, Japanese forces had occupied all county towns, most market towns, and Yellow River crossings in the Jin-Northwest region except for Bao-De and He-Qu counties, and began to implement a systematic policy commonly described as the "Three Alls" policy. The "Three Alls" emphasis is the clearest expression of stakes turning lethal. Japanese troops and traitors disguised themselves as the Eighth Route Army to lure and kill masses. They sent out core detachments to attack and repeatedly sweep the area, seeking to annihilate party, government, and military leadership organs—focusing on destroying the rear organs and facilities that made Communist endurance possible. According to incomplete statistics, more than 5,000 people were brutally killed during these sweeps. In Xingxian County alone, 150,000 catties of grain were looted and burned; in the 4th Military Sub-district, more than 5,000 head of livestock were looted and killed; and more than 19,000 houses and cave dwellings were burned down. In the early stage of this anti-mopping campaign, the Jin-Sui Military Region mainly used a portion of its forces to cooperate with local troops and guerrillas in widespread guerrilla warfare. They harassed and contained the attacking enemy, disrupted enemy transportation, and covered the transfer of the masses. The main force avoided the enemy's sharp edge and moved to the outer line to seek opportunities to attack the Japanese army. This describes the classic guerrilla operational pattern: avoid being fixed into a single decisive trap, but create enough friction that enemy operations degrade into a struggle they can't sustain. repeated attacks and ambushes during the mopping period across Miyu Town and other areas—units striking repeatedly, destroying roads, cutting off enemy transportation, and attacking enemy strongholds north of Dawu. To thwart the Japanese army's plans to build roads and fortifications—plans that would make future sweeps easier—the Jin-Sui Military Region instructed, on December 27, all sub-districts to mobilize forces to disrupt Japanese road construction and fortification. The 358th Brigade attacked enemy road construction from Lanxian to Dashetou and from Puming to Chijianling; the Independent 1st Brigade sabotaged the Dawu–Linxian highway; and the 4th Column of the Death Squad sabotaged the Dawu–Fangshan highway. Part of the Independent 1st Brigade's 2nd Regiment organized over 2,000 civilians to sabotage the Dawu–Sanjiao highway twice, forcing the enemy in Linxian to detour through Fangshan to contact Lishi. The Lishi guerrillas led civilians in two sabotage attacks on the Lishi–Jundu highway, destroying over 30 "li" of road. Other units attacked strongholds along key highways and destroyed or disrupted the "maintenance committees" that surrounded newly built enemy strongholds. There were also direct raids—storming into Linxian County and capturing representatives of enemy maintenance organizations. Meanwhile, the Workers' and Patriots' Brigade carried out continuous sabotage on the Taifen Highway. As the enemy plans ran into persistent disruption, Japanese and puppet forces began to retreat in different routes starting January 2, 1941, and by January 24 they returned to their original strongholds. The Jin-Sui winter counter-mopping operation lasted 40 days, annihilated more than 2,500 enemy troops, destroyed 125 kilometers of roads and 23 bridges, and recovered all towns occupied by the enemy during the campaign. Here the stakes show through most clearly: the campaign was not merely about killing enemy troops. It was about preventing the occupier from building a durable, road-connected grid that would allow future sweeps to be faster, larger, and more decisive. At the wider campaign level, the Eighth Route Army also recorded its total effects from August 20 to December 5, covering roughly three and a half months. During that period, the Eighth Route Army fought 1,824 battles of varying sizes, killing or wounding 20,645 Japanese soldiers (including senior officers), killing or wounding 5,155 puppet troops, and capturing 281 Japanese soldiers and 18,407 puppet troops. 47 Japanese soldiers surrendered voluntarily, and 1,845 puppet troops defected, totaling 46,380 people. The Communists captured 5,942 guns and 53 artillery pieces, and destroyed extensive transportation infrastructure: 474 kilometers of railway, 1,502 kilometers of highway, 213 bridges, 37 railway stations, 11 tunnels, more than 217,000 rails, more than 1,549,000 sleepers, more than 109,000 telephone poles, and more than 424,000 kilograms of telephone wire. Five coal mines and 11 warehouses were destroyed. The narrative further adds that when including casualties of Japanese and puppet forces across related engagements—such as Fuwang and the anti–mopping operations in northwest Shanxi—the total number of casualties reached more than 50,880. Japanese statistics were also cited for damage assessment, noting destruction of track and bridges across key railways (Zhengtai, Tongpu, Pinghan), telegraph pole damage, power line cuts, and effects on coal production—such as the Jingxing New Mine being unable to produce coal for at least six months. These details underline a broader background stake: infrastructure damage was meant to weaken the occupier's ability to keep its occupation apparatus working, even after the direct battles ended. The price of that multi-month struggle was high for the Eighth Route Army as well. Over the three and a half months leading up to the Hundred Regiments Offensive, the Eighth Route Army suffered 17,000 casualties, and more than 20,000 were poisoned. During the Hundred Regiments Offensive itself, post-war statistics state that the 129th Division suffered 7,362 casualties and 450 missing persons, and the entire division suffered 7,812 casualties. When you connect these lines—offensive sabotage, counter-offensives, Japanese mopping-ups, and anti-mopping resistance—you see why this second wave of fighting mattered. It wasn't only about whether the Japanese could respond to the offensive. It was about whether both sides could sustain their operational logic: the Japanese trying to stabilize occupation through "mopping," and the Communists trying to preserve base systems through dispersal, harassment, and counter-moves that convert the occupier's clearing effort into something too costly to maintain. The background of the Hundred Regiments offensive, who authorized it, who planned it, and why, remains unclear. The Japanese response was so severe that, in retrospect, it appeared to some as if the offensive had been a mistake. Some leaders, especially Mao, may have wanted to disavow it. Indirect hints in Mao's writings in subsequent months and years suggest he may have viewed it critically or harbored misgivings from the start. It was not the kind of strategy Mao preferred. More than twenty years later, during the Cultural Revolution, Red Guards charged that Mao had not even known of the plan in advance because of Peng Dehuai's alleged duplicity, at the time, Peng was being denounced. While this seems unlikely, it may contain some substance. In his own defense against these charges, Peng stated that after the 8RA headquarters—located not in Yan'an but in Jin-Cha-Ji—planned the operation, it sent mobilization orders downward to each regional command and also notified the Central Military Affairs Commission headed by Mao. In the original plan, the action would begin in early September. But, Peng wrote, to prevent enemy discovery and to ensure simultaneous surprise assaults—thereby inflicting an even greater blow to the enemy and the puppets—they began about ten days earlier than scheduled, during the last week of August. "So we did not wait for approval from the Military Affairs Commission (this was wrong), but went right into combat earlier than planned." There is also the issue of the "spontaneous" participation of more than eighty regiments without authorization from the Eighth Route Army headquarters, and not from Yan'an as well. If Peng Dehuai's account is accepted (written in 1970, shortly before his death), then Mao and Party Central had no role in conceiving or planning the Hundred Regiments campaign. In that case, the "grand strategy" motivations for undertaking it largely vanish—except perhaps insofar as they were considered by Peng and his colleagues. One alleged motive was to counter any tendency toward capitulation by Chiang Kai-shek and the Chongqing regime: if the war heated up and the CCP threw itself into fighting, any accommodation between Chiang and Japan would look like cowardly surrender. A related consideration was the Communist leadership's sensitivity to the charge that they were simply exploiting the war to expand their influence—avoiding Japanese combat while letting KMT armies bear the real burden of fighting. The Nationalists gave major publicity to the accusation that CCP policy devoted 70 percent of effort to expansion, 20 percent to coping with the KMT, and only 10 percent to opposing Japan. A third suggested motive was to divert attention from the New Fourth Army's offensives against Nationalist forces in Central China, which were peaking around the same time. Peng Dehuai acknowledged the campaign was "too protracted," yet he defended its importance in maintaining the CCP's anti-Japanese image in the wake of anti-friction conflicts, in demonstrating the failure of the cage-and-silkworm policy, in returning at least twenty-six county seats to base control, and in keeping "wavering" elements in line. Even if these reasons mattered less than regional and tactical calculations in launching the campaign, they could always be used for propaganda afterward. Whatever misgivings Mao and Party Central may have had, the Party kept them to itself. Mao radioed congratulations to Peng after his victory, and in public statements the Hundred Regiments were turned into legend. Even if the Hundred Regiments campaign aimed to defeat Japanese pacification efforts, it did not succeed in a decisive way. Shocked and stung by the 8RA's action, the North China Area Army intensified its efforts to bring North China under tighter control. Under General Tada and then his successor, General Okamura Yasuji (July 1941–November 1944), the Japanese inflicted brutal, sustained violence against all North China bases. Between 1941 and 1944, about 150,000 Japanese troops were assigned full-time to pacification duty, supported by roughly 100,000 Chinese auxiliaries of widely varying description and effectiveness. The remainder of the NCAA (about 150,000–200,000 men) was assigned to other tasks such as garrisoning major cities and containing Nationalist forces. Communist regulars were estimated at around 250,000 within base areas and 40,000 in SKN. The Japanese and their Chinese auxiliaries invested even more heavily than before in constructing moats, ditches, palisades, and blockhouses. Japanese sources claimed that by 1942 their forces had built 11,860 kilometers of blockade line and 7,700 fortified posts, mostly in the Hebei plains and the foothills of the Taihang mountains. A massive trench ran for 500 kilometers along the western side of the Pinghan railway line, with a depopulated and constantly patrolled zone on either side. The 250 Japanese outposts established in southern Hebei by December 1940 were more than quadrupled by mid-1942. These became the key means of controlling plains areas; by the end of 1941, all Communist bases in such terrain had been reduced to guerrilla status. Many main force units—such as those under Liu Cheng'ao and Yang Xiufeng—were compelled to move westward into mountains to survive. What distinguished the new Tada–Okamura approach from earlier tactics was the much larger and more protracted search-and-destroy thrust into the core mountain-base areas. They also replaced selective repression with indiscriminate, generalized violence. These infamous "Three-All" mop-up campaigns meant: kill all, burn all, loot all. Unable to distinguish ordinary peasants from Communists, the Japanese waged war on everyone. After attempting to seal off major consolidated regions in the base areas, they sent in very large detachments to search for Communist forces, civilian cadres, and activists. They also tried to destroy base facilities and war material stockpiles; to disrupt agriculture by burning crops or interfering with planting and harvesting; and to seize grain stores. Entire villages were razed, and everything alive found there was killed. Unlike earlier mop-ups that swept through an area and then departed, these campaigns left troops in the targeted zones for extended periods, "combing" the area back and forth and building at least temporary strongpoints in more accessible parts of mountain bases. These mop-up operations took a heavy and painful toll on rural populations. No doubt the harsh tactics and atrocities frequently committed during these actions did cause many peasants, rich and poor alike, to harbor deep hatred of the Japanese and to commit more fully to the Communist side. But intra-party sources also portray cases in which repression worked even more effectively than earlier attempts to drive a wedge between party and peasantry. As one internal assessment put it: If we only stress concealment… we are bound to be divorced from the masses. The morale of the masses cannot be sustained for long either. On the other hand, if we only seek fleeting gratification in careless fighting, we may also invite still more cruel enemy suppression. That will also alienate the masses. Communist spokesmen acknowledged that, in North China base areas, the population under Party control fell from 44 million to 25 million, while the Eighth Route Army declined from 400,000 to 300,000. Local records present an even grimmer picture. By 1942, 90 percent of the plains bases had been reduced to guerrilla zones or outright enemy control. In the mountainous Taiyue district within the Jin-Cha-Lu-Yi base, one cadre admitted that "not a single county was kept intact and the government offices of all its twelve counties were exiled in Jin-yuan." All twenty-six county seats occupied following the Hundred Regiments fighting were lost. 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. Japan tried to regain control through retaliatory "mopping-up" operations starting in October 1940. In response, the Eighth Route Army and its commanders issued counter-measures: coordinate party, government, military, and civilians; keep mobility while dispersing forces when possible; and focus on annihilating incoming enemy units decisively. Counter-sweeps and anti-pacification actions continued through December, involving repeated ambushes and sabotage of roads, highways, and fortification efforts. 

Are you operating out of your old self or being renewed in the image of your Creator?In tonight's power session, we dive deep into the book of Colossians to explore the true meaning of Renewal. It's one thing to say we have forgiven someone; it's another to truly let it go. We often "rehearse the hurt," allowing offense to attach itself to our hearts, creating a barrier between us and the mind of Christ.Join me as I share a personal "confession" regarding my own heart-posture and a powerful dream revelation about the current state of the Church. We are moving from the theory of faith into the practicum—the real-world testing of our identity.In This Episode, We Discuss:The "Notebook" Revelation: Why the church must trade condemnation for compassion.Forgiveness vs. Release: How to stop "rehearsing the hurt" and truly free your heart.The Midwife Connection: Why strong, independent women need to learn the art of receiving help.Colossians 3: A line-by-line look at putting to death the earthly nature to put on the new self.The "H.I.M." Acronym: Assessing your Heart, Intent, and Motives.Key Moments & Chapters0:00 – Welcome & Opening Prayer3:05 – Weekly Updates: Tuesday Thoughts & Midweek Strength6:36 – Scripture Reading: Colossians 3:9-119:00 – The Dream: A Church Without Compassion14:00 – Personal Confession: Forgiving vs. Letting Go22:50 – The "Withdrawal" Trap: How we react when we're hurt27:40 – Calling the Midwives: Learning to ask for help33:40 – The Exchange: Trading your heart for His mindConnect With the CommunityTuesday Thoughts: Join us every Tuesday to "quit your stinking thinking" and align with God's thoughts.Midweek Strength: Scripture and encouragement are posted every Wednesday.Bi-Weekly Lives: Mark your calendars for our next live session on May 28th at 6 PM CST / 7 PM EST."Lord, free my heart." If you're ready to let go of the offenses you've been rehearsing, type this in the comments and let's stand in agreement together.#Renewal #Colossians3 #FaithWalk #SpiritualGrowth #HealingJourney #Titus2Women #IdentityInChrist #ChristianPodcast #HeartWork #RestoringDisciples #InnerHealing

There's a lot to be said for the excitement we feel when we first set a goal for ourselves. The sense of exhilaration can give us the momentum we need to get started. But when the exhilaration wears off – and it usually does – we're faced with a choice. Will we revert to old habits or develop new ones? These moments are what Jonathan Rhodes calls choice points, and the decisions we make can really add up. Ultimately, how we manage ourselves in these moments can be the difference between the life we have and the life we want. That's why I wanted to interview Jonathan Rhodes, author of the book, The Choice Point: The Scientifically Proven Method to Push Past Mental Walls and Achieve Your Goals. His Functional Imagery Training provides a concrete roadmap to help us stay the course. Episode Links Tokyo 2020: Simone Biles' Withdrawal is a Sign of Resilience and Strength How to Overcome Self-Limiting Beliefs The Good Life: Lessons from the World's Longest Scientific Study of Happiness by Robert Waldinger and Marc Schulz The Team Learn more about host, Gayle Allen, and producer, Rob Mancabelli, here. Support the Podcast If you like the show, please rate and review it on iTunes or wherever you subscribe, and tell a friend or family member about the show. Subscribe Click here and then scroll down to see a sample of sites where you can subscribe.

Tyler Metcalf (@tmetcalf11) and Tyler Rucker (@tyler_rucker) react to the college withdrawal deadline decisions and then conduct their first war room mock draft for the 2026 NBA Draft. 0:00 Intro2:35 Withdrawal Decision Reactions15:55 War Room Mock Draft18:25 1-534:45 6-1048:30 11-1555:35 16-201:08:00 21-251:17:45 26-30 Draft Guide and Merchandise: noceilingsnba.bigcartel.comPodcast: https://podcasts.apple.com/us/podcast/no-ceilings-nba-draft/id1595712943Written work: noceilingsnba.comTwitter: @NoCeilingsNBAYouTube: https://www.youtube.com/@NoCeilingsNBA

Tyler Metcalf (@tmetcalf11) and Tyler Rucker (@tyler_rucker) react to the college withdrawal deadline decisions and then conduct their first war room mock draft for the 2026 NBA Draft. 0:00 Intro2:35 Withdrawal Decision Reactions15:55 War Room Mock Draft18:25 1-534:45 6-1048:30 11-1555:35 16-201:08:00 21-251:17:45 26-30 Draft Guide and Merchandise: noceilingsnba.bigcartel.comPodcast: https://podcasts.apple.com/us/podcast/no-ceilings-nba-draft/id1595712943Written work: noceilingsnba.comTwitter: @NoCeilingsNBAYouTube: https://www.youtube.com/@NoCeilingsNBA

A huge day of impactful decisions has come to an end, find out all the big names that decided to withdraw from the draft and return to college! Including a late breaking, shocking decision at the last minute!Subscribe to the All-Rookie Podcast on Itunes and Follow us on Twitter @williamisbill for updates and live news on all NBA rookies

The No Ceilings team down the NBA Draft Withdrawal Deadline as the news comes out!

The No Ceilings team down the NBA Draft Withdrawal Deadline as the news comes out!

We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures?  Looking for a financial planner?  → PlanWithJesse.com In this episode, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of only defining success, investors should first identify how retirement plans fail and then design strategies to avoid those outcomes. He introduces a framework of 14 retirement risks and focuses on the first seven: longevity risk, inflation risk, household risk, market risk, sequence of returns risk, withdrawal risk, and health risk. Longevity risk is framed as the danger of outliving assets. Inflation risk is described as the gradual erosion of purchasing power, with equities and TIPS offering partial protection while cash and bonds provide stability at the cost of real returns. Household risk centers on coordination between partners, emphasizing survivor planning, shared understanding of finances, and alignment on spending and documentation. Market risk is presented as unavoidable and inseparable from long-term investing, managed primarily through time, rebalancing, and disciplined behavior. Sequence of returns risk highlights the disproportionate impact of poor early-retirement market performance, with cash and bond buffers used to mitigate early withdrawal pressure. Withdrawal risk focuses on spending levels that are too high relative to portfolio size, while health risk underscores that physical and cognitive decline can ultimately matter more than financial outcomes, making long-term health investment a critical component of retirement planning. Key Takeaways: • Retirement planning is improved by focusing on failure modes first. • Longevity risk is the danger of outliving retirement savings. • Inflation risk reduces purchasing power over long retirement horizons. • Household risk stems from misalignment or loss within a couple or family. • Market risk is unavoidable in exchange for long-term returns. • Sequence of returns risk is most dangerous early in retirement. • Withdrawal risk occurs when spending exceeds sustainable portfolio levels. • Health risk can undermine retirement quality regardless of wealth. Key Timestamps: (01:07) – Charlie Munger During WWII (03:13) – Quick Overview (09:40) – 1: Longevity Risk (15:17) – 2: Inflation Risk (19:17) – 3: Household Risk (23:39) – 4: Market Risk (27:31) – 5: Sequence of Returns Risk (31:48) – 6: Withdrawal Risk (33:30) – 7: Health Risk Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e126/ https://bestinterest.blog/e87/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success by Wade Pfau Wade Pfau chart: https://www.advisorpedia.com/media/2024/2/Sequence_of_returns_risk.png https://open.spotify.com/episode/1ox7hbv5uhG3bHsIzf2Cfk?si=keUGIC4uSfOoEl4VrcpbPg   https://bestinterest.blog/e122/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Marsha Zaritsky is a licensed mental health therapist certified in Internal Family Systems. She joins us to explain how her experience with polypharmacy and psychiatric drug withdrawal has changed and informed how she practices. *** Thank you for being with us to listen to the podcast and read our articles this year. MIA is funded entirely by reader donations. If you value MIA, please help us continue to survive and grow. https://www.madinamerica.com/donate/ To find the Mad in America podcast on your preferred podcast player, click here: https://pod.link/1212789850 © Mad in America 2026. Produced by James Moore https://www.jmaudio.org

NBA Draft withdrawal deadline is tomorrow nightSee omnystudio.com/listener for privacy information.

Send us Fan MailOne infant is diagnosed with neonatal opioid withdrawal syndrome every 27 minutes, and rates are rising. In this episode of Journal Club, Ben and Daphna review the Optimized NOW randomized clinical trial, a landmark multicenter study published in JAMA. The trial compared symptom-based dosing,  a single opioid dose given when a withdrawal threshold is met against the traditional scheduled opioid taper in infants managed with Eat Sleep Console. The results are striking: symptom-based dosing reduced time to medical readiness for discharge by nearly two and a half days, and 65% of pharmacologically treated infants avoided scheduled opioid dosing entirely. Could this be the evidence-based approach that finally reshapes how we treat NOWS pharmacologically?----Symptom-Based Dosing for Neonatal Opioid Withdrawal: The OPTimize NOW Randomized Clinical Trial. Devlin LA et al HEAL Evaluation of Limited Pharmacotherapies for Neonatal Opioid Withdrawal Syndrome (HELP for NOWS) Consortium.JAMA. 2026 Apr 25:e265782. doi: 10.1001/jama.2026.5782. Online ahead of print. PMID: 42033722Support the showAs always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below.Enjoy!

What investment habits can quietly hurt your retirement plan? In this episode of Dollars & Sense, Chet and Rob break down 7 common investor behaviors that can create unnecessary risk for retirees—from holding too much cash and trying to time the market to ignoring taxes, chasing yield, skipping rebalancing, overreacting to headlines, and failing to adjust your strategy over time.  If you are retired or getting close to retirement, this conversation will help you think more clearly about how your portfolio, withdrawal strategy, and long-term plan should work together. The goal is not perfection—it is discipline, clarity, and making thoughtful decisions that support your lifestyle over the long run.  In this episode, we cover: • Why too much cash can create inflation risk • How market timing can hurt long-term returns • Why tax-efficient withdrawals matter in retirement • The hidden danger of chasing yield • Why rebalancing is essential • How reacting emotionally to news can backfire • Why your investment plan should evolve over time  If you enjoy practical retirement planning conversations like this, be sure to like, subscribe, and share this episode with someone preparing for retirement or already living in it. 

Jim and Chris discuss listener emails on Social Security spousal benefits, portfolio withdrawal strategy for early retirement, HSA and Medicare premiums, the 4% rule, Roth self-employed 401(k)s, Roth conversions, and retirement trusts. (10:45) A listener asks whether her husband claiming Social Security on his own record before she files at 70, including as early as 62, would reduce his eventual spousal benefit, and in what circumstances an earlier filing might make sense for them. (20:45) She also asks how to structure her portfolio to cover a seven-year income gap before Social Security begins and fund a potential home purchase at retirement. (46:15) George and Georgette want to know which Medicare-related costs – IRMAA surcharges, Part D, and supplemental insurance – qualify for HSA reimbursement, and whether they can apply HSA funds retroactively to prior-year premiums. (54:30) The guys address the idea that money reimbursed from an HSA isn’t restricted to medical use, so saving receipts over the years can turn an HSA into a source of tax-free cash for virtually any expense. (1:01:15) A listener compares the 4% rule to Newton’s laws of motion – foundational but not the final word – and describing how he’s combining that framework with their retirement income approach for his own long-range planning. (1:08:30) Jim and Chris share a listener’s PSA that Fidelity began offering a Roth self-employed 401(k) in 2025, in response to a question from a recent episode. (1:11:30) One listener pushes back on the idea that Roth conversions only make sense at a lower tax bracket, walking through a math example to show that tax-free compounding can make converting at the same — or even a higher — bracket financially worthwhile. (1:17:45) George has structured his IRA with a testamentary trust for a financially irresponsible adult child and asks whether a “retirement trust”, could allow the trust to receive IRA assets without the compressed tax rates that typically apply to trusts. The post Social Security, Withdrawal Strategy, HSAs, 4% Rule, Roths, Retirement Trust: Q&A #2621 appeared first on The Retirement and IRA Show.

The draw is out, Paris is heating up, and Ground Pass is back with a full Roland Garros 2026 preview. Anastasia and Nick break down a lopsided men's draw where most of the drama lives in the bottom half, a wide-open women's draw with at least fifteen real title contenders, and the section of the bracket where Iga Świątek and Novak Djokovic both drew the worst possible neighborhoods.We get into Carlos Alcaraz's grass-season pullout (and yes, that Vanity Fair cover), the players we're watching from the top of the field down to the qualifiers, the wild card storyline we've been tracking all year in Akasha Urhobo, and the first-round matches we're refusing to miss, including a bold upset call on Aryna Sabalenka in round one.Plus: dates for our McCarran Park screenings, how to join the Ground Pass crew in the Served Bracket Challenge, the launch of our daily Coffee Catch-Up newsletter for the fortnight, and Nick reading a tennis match report from 1878 that you have to hear to believe.Players covered include Arthur Fils, Mirra Andreeva, Casper Ruud, Linda Nosková, Rafael Jodar, Lilli Tagger, Elina Svitolina, Flavio Cobolli, Hailey Baptiste, Eliot Spizzirri, Frances Tiafoe, Taylor Fritz, Nishesh Basavareddy, Kaitlin Quevedo, Emilio Nava, Michael Zheng, Toby Samuel, and Akasha Urhobo.Chapters:00:00 Weather and Merch: A Warm Welcome03:19 Carlos Alcaraz's Withdrawal from Wimbledon07:47 Thoughts on the Roland Garros Draw Ceremony11:00 Join us for the Served Bracket Challenge13:44 McCarren park Screenings details15:14 Draw Analysis: Men's and Women's Perspectives19:27 Players to Watch: Rising Stars and Dark Horses34:28 Qualifiers to watch39:00 Spotlight on Qualifiers: Rising Stars40:46 Wild Cards and Their Potential44:13 Our interview with Akasha Urhobo53:10 Exciting Matches to Watch: First Round Highlights59:02 Roland-Garros Updates: What to Expect01:04:28 Tennis History: A Look Back [Outro]Links:Send us a voice memo: https://www.groundpasspodcast.com/voice-memoAthletic story about Alcaraz injury [Gift Link]: https://www.nytimes.com/athletic/7263807/2026/05/20/tennis-worst-injury-wrist-recovery-treatment/?source=user_shared_article&unlocked_article_code=1.klA.BuEf.htnlRpDbLNVVRoland Garros Draw: https://www.groundpasspodcast.com/guides/rolandgarros2026printabledrawsServed Bracket Challenge: https://served.bracket.tennis

Let's talk about Trump's withdrawal from a defense board with Canada....

On this episode, I'm recounting the 30 day challenge I felt called to do this year. I unpack exactly what I quit, why I decided to do this challenge, and what actually happened during the 3 days, including this physical, mental, and emotional symptoms I experienced. Spoiler alert: it was brutal. Connect with me:Instagram: @beccnichollsTiktok: @beccanichollsWebsite: www.beccanicholls.comSubscribe to my email listYouTube: BECCAIt would mean the world to me if you would subscribe, rate and review this podcast to help support the show. If you enjoy this podcast, share it on your stories and tag me or share it with a friend. Let's build this community, together! ⚡️

*** ⁠⁠DONATE to Thomas's fundraising campaign!⁠⁠ *** *** ⁠⁠WATCH Thomas's documentary film!⁠⁠ *** Aimen is back with a huge amount of behind-the-scenes information on what's been happening in the Middle East in the past three weeks—especially on the real reasons the UAE withdrew from OPEC, and what's been going on inside Donald Trump's head as he tries to chart a course to victory in the Iran War. Aimen and Thomas discuss: The recent discovery of HUGE shale oil reserves in the UAE The Mar-a-Lago deal the UAE struck with Trump Why the recent OPEC shake-up had NOTHING to do with Saudi Arabia The truth about UAE and Saudi attacks on Iran Did the UAE, Saudi, and Qatar really beg Trump not to resume the war? How Iran's military capability remains STRONGER than people think The corruption behind Pakistan's mediation efforts in the Iran War The benefits and liability of Trump as a War Leader Join the Conflicted Community here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://conflicted.supportingcast.fm/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find us on X: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/MHconflicted⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/MHconflicted⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/conflictedpod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Conflicted is a Message Heard production. Executive Producers: Jake Warren & Max Warren. Produced and edited by Thomas Small. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get AudioBooks for Free Best Self-improvement Motivation Psychology of Withdrawal: Stop Being So Available Discover the psychology behind withdrawal and boundaries. Learn how valuing your time and energy can transform relationships, respect, and confidence! ⁠We Need Your Love & Support ❤️ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Get 3 Audiobooks Free -

BUY TICKETS TO DOPEY SHORT FILM FESTIVAL: https://buytickets.at/thedopeyfoundation/2216905 Join Patreon For Cheap Tickets and much more: www.patreon.com/dopeypodcast Long Summary Notes: Dave opens the Dopey Total Replay by revisiting Episode 27, “Detox Withdrawal,” one of the earliest foundational episodes of Dopey. He explains how the episode introduced both graphic designer Ryan — creator of the iconic nodding Dopey logo — and Todd Curry, Dave's longtime using buddy who would later die in 2018, just weeks before Chris. Dave reflects on Chris's original idea for a “Dopey Stories” book made up of listener submissions and stories from the show. He talks about failed attempts to pitch the project to publishers and wonders whether self-publishing a Dopey book on Amazon might finally make sense. He invites listeners to resend their best stories to dopeypodcast@gmail.com. Disclaimer: I think I called Spanish People Stupid - but it was meant totally with love. Dave then shifts into a recap of Music on the Mountain in Vermont, where he attended with Linda and the kids. He talks about seeing Anders Osborne, Daniel Donato, Jackie Greene, Karina Rykman, Eggy, Lamp, and others. Susan celebrates her eighth birthday and hilariously insists on introducing bands onstage after Dave lets her introduce Karina Rykman. Dave admits Susan might actually be a better MC than him. Dave promotes the upcoming Dopey Short Film Festival at the SVA Theater, mentioning Mountainside as a possible title sponsor and joking about Katz's desserts and Othello cookies potentially being involved. He reads Patreon and Spotify comments reacting to the previous replay episode, including discussion of Rush, Basketball Diaries, Knicks playoff hopes, bread basket addiction, and people missing Chris. Dave goes on multiple tangents about bread, fitness, the Knicks, and Cleveland versus Detroit. The replay itself begins with Chris and Dave just starting to record when Todd randomly calls in. Todd immediately launches into a story about getting arrested while allegedly trying to buy weed in a housing project. Chris and Dave immediately question the story while Todd insists he was only trying to buy marijuana. The conversation spirals into stories about community service, Delancey Street cleanup duty, reverse discrimination jokes, airport profiling, Todd's history with Dave, and their years selling drugs together. Chris openly campaigns for Todd to become a recurring Dopey guest while Dave resists because Todd is still actively using heroin and weed. Graphic designer Ryan joins the conversation and explains why he loved Dopey from the beginning — because it wasn't a traditional recovery podcast. He says recovery shows felt too church-like, while Dopey mixed active addiction stories with recovery in a way that could actually reach addicts. Todd and Dave argue about whether active users should appear on Dopey. Ryan attempts to sober coach Todd live on the air, asking him what heroin does for him emotionally. Todd admits heroin covers feelings of loneliness, insecurity, and self-hatred. He describes failed relationships, yoga classes, women, and using heroin to cope with emotional pain. Ryan explains the basics of abstinence and recovery while Todd half-jokes and half-confesses his inability to stop using. Chris mostly eggs the entire thing on while enjoying the chaos. The episode shifts into stories about Mountainside and the infamous “Phase Four” extended-care house. Ryan explains how he entered treatment planning only to save money for heroin afterward, but somehow ended up getting sober instead. Dave admits he originally thought Ryan would never stay sober, while Dave himself eventually relapsed despite appearing more serious about recovery at the time. Ryan tells wild detox stories involving escaping treatment during withdrawal, trading a $2,500 laptop for heroin bundles, walking through snowstorms, and eventually landing at Mountainside. The group discusses relapse, sobriety, AA sponsorship disasters, yoga, heroin addiction, and the randomness of getting sober. The episode eventually devolves into jokes about Dave's disgusting toenail, Instagram photos, podcast structure, and arguments about whether episodes should be one hour long. Chris insists on ending every episode with “Good So Bad,” while Dave complains nobody wants long podcasts — ironic considering modern Dopey episodes often run three hours. Back in present-day narration, Dave reflects emotionally on hearing Todd and Chris together again. He reveals that Todd eventually appeared on Dopey multiple times, including once when he left mid-recording to go downstairs and shoot heroin before returning to finish the episode high. Dave closes by talking about Ryan's later recovery work at Berkshire Transition Network and how foundational he was to early Dopey. He reflects on the pain, foreshadowing, and innocence captured in the episode before ending with “Good So Bad” and a tribute to Chris and Todd. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There is a difference between feeling ashamed and living inside shame. One is a passing signal. The other is the background atmosphere of an entire nervous system. In this episode, Jennifer Wallace and Elisabeth Kristof go deep on toxic shame as the next distinguishing characteristic of complex trauma in their CPT series. This is one of the most personal episodes they have recorded. Both hosts share what shame actually sounded like at its loudest in their lives, the specific words, the body states, the loops that ran for years before they had any way to interrupt them. And they are honest about where they still meet it today. Toxic shame in complex trauma is not just a feeling that shows up after a mistake. It is an identity state. It shifts from "I did something wrong" to "I am wrong." It shapes posture, vocal tone, breath, gaze, and the way the body interprets every social interaction as potential exposure or rejection. And because it developed in relationship, specifically in environments where expressing needs or emotions led to punishment, abandonment, or humiliation, it becomes deeply tied to every relational experience that follows. Elisabeth and Jennifer trace the full arc of how shame develops, from the child who cannot afford to see their caregiver as unsafe and so turns the blame inward, to the adult who moves through professional and personal relationships with a chronic bracing for exposure. They cover the neurobiology in depth: what the insula, default mode network, and vagus nerve have to do with chronic shame states, why shame can both amplify and numb internal sensation at the same time, and how shame formation, the physiological pairing of emotional shame states with immune and inflammatory responses, helps explain the health outcomes seen in adverse childhood experience research. The conversation also covers the double bind of shame in complex trauma, the trap of needing connection while also bracing for what connection has always brought. How shame drives substance use and disordered eating as regulation strategies. How systemic and cultural forces layer onto developmental shame in ways that make the pattern larger than any individual. And what post-traumatic growth actually looks like here: not confidence, not the absence of shame, but a little more space between the wave and the response, a little longer staying present in the body before the collapse happens, and gradually, relationships where being imperfect does not mean being abandoned. In This Episode, You Will Learn: Why toxic shame in complex trauma shifts from an emotion into an identity state How shame develops as a survival strategy when caregivers are unsafe and self-blame becomes the only available adaptation Why shame is not just cognitive but embodied, showing up in posture, vocal tone, breath, gaze, and gesture What shame formation is and how chronic shame states are linked to inflammation, immune dysregulation, and the health outcomes in ACE research How the insula, default mode network, and vagus nerve are involved in chronic shame patterning Why shame can simultaneously amplify and numb internal sensation and what that means for healing The double bind of shame: needing connection while bracing against it How systemic and cultural shaming layers onto developmental shame and why the nervous system cannot fully distinguish between them How shame drives substance use and disordered eating as regulation strategies and why the shame-use cycle is so hard to interrupt What post-traumatic growth looks like in relation to shame: not the absence of it, but increased range, flexibility, and capacity to stay present with it How accountability, relational repair, and allowing others to have their own experience gradually shifts the shame pattern   Chapters 0:00 - The Difference Between Feeling Ashamed and Living Inside Shame  0:33 - Welcome: Toxic Shame Through the Lens of Complex PTSD  1:54 - What Shame Actually Is: A Whole Body Physiological Response  2:14 - When Shame Becomes an Identity State  3:01 - Shame in the Body: Posture, Voice, Breath, and Withdrawal  3:34 - Systemic and Cultural Shame: When the Group Itself Is Dysregulated  5:55 - Shame as the Emotion That Represses All Other Emotions  7:15 - How Shame Develops in Complex Trauma: The Child Who Cannot Blame the Caregiver  8:48 - Everything Is My Fault as a State of Being  9:43 - Jennifer and Elisabeth Share What Shame Sounded Like at Its Loudest  11:28 - How Shame Physically Inhibits Expression  12:09 - The Double Bind: Needing Connection While Bracing Against It  14:00 - The Neurobiology: Insula, Freeze, Dissociation, and No Safe Discharge  17:31 - Large Scale Neural Patterning: DMN Loops, Reward Signaling, and Oxytocin  18:36 - What Shame Looks Like Now for Jennifer and Elisabeth  23:51 - Shame Formation: Inflammation, the Vagus Nerve, and ACE Research  26:43 - The Shame and Substance Use Cycle  30:28 - How Both Hosts Used Substances to Regulate Shame  34:15 - Systemic Shame and the Brain's Drive for Belonging  36:10 - What Post-Traumatic Growth Actually Looks Like With Shame  38:51 - Relational Healing: Repair, Accountability, and Letting Someone Love You Imperfectly  41:14 - Allowing Another Person to Have Their Experience Without Collapsing   Resources and Links NSI Foundations Bundle for coaches and practitioners: neurosomaticintelligence.com/foundations Two week Rewire Trial of guided neuro somatic training: rewiretrial.com Learn more about Elisabeth's work at brainbased.com Learn more about Jennifer's work at her YouTube channel: Sacred Synapse https://www.youtube.com/@sacredsynapse-23 Trauma Rewired podcast  is intended to educate and inform but does not constitute medical, psychological or other professional advice or services. Always consult a qualified medical professional about your specific circumstances before making any decisions based on what you hear.  We share our experiences, explore trauma, physical reactions, mental health and disease. If you become distressed by our content, please stop listening and seek professional support when needed. Do not continue to listen if the conversations are having a negative impact on your health and well-being.  If you or someone you know is struggling with their mental health, or in mental health crisis and you are in the United States you can 988 Suicide and Crisis Lifeline.  If someone's life is in danger, immediately call 911.  We do our best to stay current in research, but older episodes are always available.  We don't warrant or guarantee that this podcast contains complete, accurate or up-to-date information. It's very important to talk to a medical professional about your individual needs, as we aren't responsible for any actions you take based on the information you hear in this podcast. We  invite guests onto the podcast. Please note that we don't verify the accuracy of their statements. Our organization does not endorse third-party content and the views of our guests do not necessarily represent the views of our organization. We talk about general neuro-science and nervous system health, but you are unique. These are conversations for a wide audience. They are general recommendations and you are always advised to seek personal care for your unique outputs, trauma and needs.  We are not doctors or licensed medical professionals. We are certified neuro-somatic practitioners and nervous system health/embodiment coaches. We are not your doctor or medical professional and do not know you and your unique nervous system. This podcast is not a replacement for working with a professional. The BrainBased.com site and Rewiretrail.com is a membership site for general nervous system health, somatic processing and stress processing. It is not a substitute for medical care or the appropriate solution for anyone in mental health crisis.  Any examples mentioned in this podcast are for illustration purposes only. If they are based on real events, names have been changed to protect the identities of those involved.  We've done our best to ensure our podcast respects the intellectual property rights of others, however if you have an issue with our content, please let us know by emailing us at traumarewired@gmail.com  All rights in our content are reserved  

This is the story of a man who hit rock bottom twice before getting himself clean from opioids and benzos!

What is your envy telling you?

President Trump's China challenge, antidepressants risks and withdrawal, U.S. farmers' fertilizer scramble, and building a Christian worldview. Plus, David Closson on targeting Christians, illegal mowing, and the Thursday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Dordt University, whose online MBA and MPA programs prepare leaders for lasting impact. Dordt University. Until All Is Made New.From St. Dunstan's, inviting young men into the building arts and the adventure of holiness on a Blue Ridge Mountains farm... stdunstansacademy.orgAnd from WatersEdge. Most churches aren't ready if their bookkeeper left tomorrow. WatersEdge Ministry Accounting is. Watersedge.com/accounting WatersEdge securities are subject to certain risk factors as described in our Offering Circular and are not FDIC or SIPC insured. This is not an offer to sell or solicit securities. WatersEdge offers and sells securities only where authorized; this offering is made solely by our Offering Circular.

Andy and Brad Flood from Tenon Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:Portfolio withdrawal strategies for addressing sequence of returns risk ( 10:44 )Using financial planning software and dealing with its limitations ( 26:25 )Thoughts on Medicare surcharges known as IRMAA, and how much they should be factored into tax planning ( 40:25 )Dealing with legacy investments in client's accounts when clients want to streamline and simplify their holdings, but also want or need to continue to hold some existing positions of theirs ( 46:14 )Balancing optimization and simplicity in financial planning; when is "good enough," enough? ( 58:29 )When in the year to take distributions from Required Minimum Distributions ("RMDs") ( 1:12:19 )A summary of our processes and semiannual meetings at Tenon Financial ( 1:19:02 )Links in this episode:Tenon Financial's website summarizing services and fees - https://tenonfinancial.com/services-and-feesTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode we answer emails from Milo, Scott, and Joel.  We discuss bad advisor incentives and how to classify them by their business models, identify the only business model you want to patronize, and then move on to Treasury STRIPS and rebalancing realities, practical withdrawal mechanics with a test portfolio, and why Bitcoin's high correlation to tech stocks undermines its role as a diversifier. We also celebrate the final results of the Fairfax CASA matching campaign and share a thank-you message from their executive director.Links:Classifying Financial Advisors By Their Business Models:  Interacting with the Financial Services Industry with SC GutierrezKitces Article on Rebalancing:  Optimal Rebalancing – Time Horizons Vs Tolerance BandsBuilding a Sample Portfolio Video:  We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio) - YouTubeVideo on Managed Futures and SDMF:  Simplify SDMF in Focus - YouTubeBreathless Unedited AI-Bot Summary:A matching donor puts $20,000 on the table, the audience steps up, and suddenly Fairfax CASA is funded far beyond what anyone expected. We start with that story because it says something important about this community: you can be serious about investing and still lead with empathy. We share the final campaign results and a message from Fairfax CASA's executive director about what this support means for children navigating foster care and the court system.Then we shift back to what Risk Parity Radio does best: practical emails from DIY investors who want clearer rules and fewer regrets. We talk about the “67-fund portfolio” problem, why complexity is often a sales tactic, and how to screen out conflicted advice from banks, credit unions, insurance shops, and big marketing-heavy firms. We also dig into the AUM model versus flat fee and hourly planning, plus why smart retirement planning often comes down to tax planning and behavioral discipline more than picking the perfect fund.From there, we get hands-on with portfolio construction and process. We cover Treasury STRIPS funds like GOVZ, why you cannot reliably time the best rebalancing moment during a recession, and what to do instead with partial rebalancing or rebalancing bands. We also answer a nuts-and-bolts withdrawal question using a test portfolio approach, and we close with a straight take on Bitcoin correlation: if it moves with stocks, it is not diversification. Along the way, we explain what “alternative assets” really means and why gold and managed futures keep showing up in risk parity style asset allocation.Subscribe, share this with a friend who's tired of salesy advice, and leave a review so more investors can find the show.Support the show

In this episode of Beyond The Abstract, Dr. Phil Durney and Dr. Kory London stop by the show to discuss their latest article featured in the current March/April issue of the Journal of Addiction Medicine titled Severe Fentanyl Withdrawal Associated With Medetomidine Adulteration: A Multicenter Study From Philadelphia, PA.   They discuss what medetomidine is, how it functions, and how its emergence in the fentanyl supply is impacting the opioid crisis in the US, as well as clinical management of medetomidine exposure and withdrawal in hospital and outpatient settings.   Article Link: Severe Fentanyl Withdrawal Associated With Medetomidine Adulteration: A Multicenter Study From Philadelphia, PA

   In this episode of WarDocs, Dr. David Hilmers, a retired Marine Colonel, four-time NASA Space Shuttle astronaut, and dual-trained physician in internal medicine and pediatrics offers a sweeping perspective on what it means to apply hard-won lessons from space exploration, global infectious disease response, and humanitarian medicine to the pressing challenges facing military medicine today.    Dr. Hilmers traces a career that began with a chance bulletin posted in Japan advertising NASA's new astronaut program. With an aviation background and advanced degrees in electrical engineering from the Naval Postgraduate School, he applied on a whim and spent twelve years at NASA — flying the first mission of Atlantis, the first post-Challenger flight, two classified DOD missions, and a scientific mission just before starting medical school. After retiring from the astronaut corps, he fulfilled his lifelong dream of medicine, completing a dual residency before dedicating subsequent decades to sub-Saharan HIV, Ebola response in Liberia, malnutrition research, refugee health in Bangladeshi camps, and hepatitis B elimination across the Pacific.     The conversation covers the parallel demands of deep space medicine and austere combat environments — both defined by communication blackouts, limited resources, and the need for expert decision-support without a physician readily available. Dr. Hilmers describes his consultancy work for NASA on Earth-independent medical operations using mixed reality and large language models, and explains how these same AI-driven tools represent a critical force multiplier for a special forces medic, Navy corpsman, or Space Force guardian operating in denied or degraded environments.    He introduces the knapsack problem — a NASA-developed optimization framework that balances mission requirements against the mass, volume, power, and training cost of medical equipment — and argues persuasively that this model is directly applicable to the prolonged field care challenge posed by large-scale ground combat operations (LSCO). As the golden hour becomes a relic of counterinsurgency-era warfare, AI-powered kit optimization and just-in-time procedural training become existential requirements, not enhancements.     On wearable technology, Dr. Hilmers articulates a layered, agentic-AI approach to battlefield health monitoring — smart garments, sweat sensors, tactical watches, smart rings, helmet concussion dosimeters, and hearables — all operating under strict emissions control, with edge computing that pushes actionable alerts to the individual soldier without requiring eyes on a screen. The real holy grail is seamless integration into situational awareness networks that give squad leaders and brigade commanders real-time readiness data.      Dr. Hilmers closes with a frank assessment of soft power: the withdrawal of USAID and PEPFAR funding has ceded influence in the Pacific and across the developing world to China, with projected millions of preventable deaths. He calls on military medicine to lead humanitarian engagement as both a moral imperative and a strategic tool. His final advice to young military medicine professionals — dare to be more than you think you can be, and know that it is never too late to reinvent yourself — distills a life of uncommon service into a single, actionable mandate.   Chapters (00:00:00-00:01:44) Introduction: From Aviator to Astronaut to Academic Physician (00:01:45-00:06:25) AI Tools for Austere Environments: Space, Combat, and Remote Medicine (00:06:26-00:13:19) Lessons from Ebola, Refugee Camps, and Global Infectious Disease (00:13:20-00:18:49) The Knapsack Problem: Optimizing Medical Kits for Prolonged Field Care (00:18:50-00:27:16) Wearable Technology and the Digital Twin Warfighter (00:27:17-00:31:18) Bench to Battlefield: Academia, Industry, Military Collaboration and Closing Advice Chapter Summaries (00:00:00-00:01:44) Introduction: From Aviator to Astronaut to Academic Physician Dr. Hilmers recounts a career trajectory shaped by opportunism and determination. Drafted-era military service led to Marine aviation, graduate engineering degrees at the Naval Postgraduate School, and a chance NASA application while stationed in Japan. Twelve years as an astronaut on four Space Shuttle missions gave way to the long-deferred dream of medicine — a dual residency and decades of academic and humanitarian work that followed.   (00:01:45-00:06:25) AI Tools for Austere Environments: Space, Combat, and Remote Medicine Dr. Hilmers draws direct parallels between deep space medical operations and combat or remote-area medicine: limited communications, absence of ground-based expert support, and the demand for just-in-time training. His NASA consultancy work on Earth-independent medical operations using mixed reality and large language models maps directly onto the needs of a corpsman, special forces medic, or Space Force guardian in a denied environment.   (00:06:26-00:13:19) Lessons from Ebola, Refugee Camps, and Global Infectious Disease The Liberia Ebola response revealed the fatal flaw of large, fixed treatment units in an outbreak that moved dynamically across the country. That lesson produced the EZ Pod — a collapsible, helicopter-transportable isolation unit developed at Baylor. Experience in Bangladeshi Rohingya refugee camps reinforced the life-saving power of vaccination and the growing threat of climate-driven disease migration. The core lesson: enter a community to ask what is needed, not to impose solutions.   (00:13:20-00:18:49) The Knapsack Problem: Optimizing Medical Kits for Prolonged Field Care Drawn from NASA mission planning, the knapsack problem is a systematic optimization of medical kit contents against the probability, fatality, and resource cost of each anticipated condition. Dr. Hilmers argues this framework is essential as LSCO scenarios eliminate the golden hour and require prolonged casualty care in the field. AI is positioned as the engine that can dynamically optimize triage decisions, antibiotic allocation, and resource sequencing in real time.   (00:18:50-00:27:16) Wearable Technology and the Digital Twin Warfighter A layered ecosystem of smart garments, sweat sensors, tactical watches, smart rings, helmet concussion dosimeters, and hearables can create a real-time digital twin of the individual soldier and the collective readiness of a unit. The critical design constraints are EMCON compliance, MIL-SPEC durability, edge computing without internet dependency, and seamless integration into situational awareness networks from the squad level to the brigade. The holy grail is actionable data pushed to the soldier without requiring eyes off the mission.   (00:27:17-00:31:18) Bench to Battlefield: Academia, Industry, Military Collaboration and Closing Advice Effective innovation requires continuous, bottom-up communication among academia, industry, and the military — and that means all three groups must get their hands dirty in field testing. Dr. Hilmers cautions against fitting a "sexy AI application" to a problem it does not solve. His closing message to young military medicine professionals: take every opportunity the military offers, dare to exceed your own expectations, and know that reinvention is always possible.       Take Home Messages Austere Environments Share a Common Medical Playbook: Whether the setting is a spacecraft bound for Mars, a combat forward operating base, or a refugee camp in Bangladesh, the medical challenges converge: degraded communications, absent specialist support, and the need for expert clinical decision-making at the point of care. Building systems — AI tools, training protocols, or equipment kits — that address these shared demands creates solutions with broad applicability across military and humanitarian contexts.   Optimize the Kit Before the Mission, Not During the Crisis: The knapsack problem is an operational imperative. Every gram of medical equipment displaces something else, and every gap in the kit becomes a potential fatality during prolonged casualty care. AI-driven optimization of medical kit contents against mission-specific risk profiles must become a standard pre-deployment process, especially as LSCO eliminates the expectation of rapid evacuation.   Just-in-Time Training Is a Force Multiplier, Not a Substitute for Preparation: AI-enabled procedural guidance at the point of care — showing a corpsman exactly how to perform a cricothyrotomy in the moment it is required — can bridge lethal knowledge gaps in combat. This capability augments, it does not replace, rigorous pre-deployment training. The human must remain in the loop; AI is an advisor, not a commander.   Wearable Technology Only Delivers Value When Integrated Into the Fight: A smart ring that predicts illness or a helmet sensor that quantifies blast exposure generates no operational value if the data is not actionable at the point of decision. Battlefield wearables must operate under strict emissions control, function without internet connectivity, perform edge computing locally, and surface alerts to the soldier or commander seamlessly — without requiring eyes off the mission. The integration challenge is harder than the sensor challenge.   Military Humanitarian Medicine Is Both a Moral Obligation and a Strategic Asset: Soft power is not a secondary mission — it is a strategic instrument. Withdrawal from programs like USAID and PEPFAR cedes influence to adversaries in every region where that presence is abandoned. Military medicine, with its global footprint, logistical capacity, and trained personnel, is uniquely positioned to demonstrate that American warfighters can be both deadly and compassionate. Investing in military humanitarian medicine builds alliances that firepower alone cannot secure.   Dr. Hilmers Biography    David C. Hilmers, MD, EE, MPH, MSEE, is a multifaceted physician, professor, and former NASA astronaut with a diverse career spanning aerospace medicine, international humanitarian relief, and military service. A faculty member at Baylor College of Medicine since 1999, he currently works as an academic hospitalist in Houston, Texas. His clinical and research expertise focuses heavily on infectious diseases, global health, and optimizing medical care for deep-space exploration. Deeply committed to volunteer medical service, he and his wife serve as medical leaders for the NGO Hepatitis B Free. He has delivered critical humanitarian and disaster relief across more than 50 countries, providing care in conflict zones like Ukraine and Iraq, and during severe disease outbreaks.    Before his medical career, he served 20 years as a U.S. Marine Corps aviator and electrical engineer, retiring as a Colonel. He flew on four space shuttle missions and was inducted into the U.S. Astronaut Hall of Fame in 2024. Episode Keywords military medicine, David Hilmers, NASA astronaut, Marine aviator, combat casualty care, prolonged field care, LSCO, large scale combat operations, knapsack problem, AI military medicine, artificial intelligence battlefield, wearable technology warfighter, digital twin soldier, just-in-time medical training, bench to battlefield, austere environment medicine, humanitarian medicine military, Ebola response, global health military, WarDocs podcast Hashtags #MilitaryMedicine, #WarDocs, #NASAAstronaut, #CombatCasualtycare, #ProlongedFieldCare, #BenchToBattlefield, #WearableTechnology, #ArtificialIntelligence   Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission is to honor the legacy, preserve the oral history, and showcase career opportunities, unique expeditionary experiences, and achievements of Military Medicine. We foster patriotism and pride in Who we are, What we do, and, most importantly, How we serve Our Patients, the DoD, and Our Nation. Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the "What We Are For" Episode 47. https://bit.ly/3r87Afm   WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WARDOCS documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called "Docs" as a sign of respect, trust, and confidence on and off the battlefield, demonstrating dedication to the medical care of fellow comrades in arms.   Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast  

When many investors approach retirement, one of their most pressing questions is how their portfolio will generate the income needed to fund their lifestyle. It's a common belief, often repeated by financial pundits and well-meaning friends, that you should simply "live off the dividends" from your investments. It sounds appealing: a steady stream of payments, without having to sell any shares. Relying solely on dividend-paying stocks in retirement can create hidden risks and may not be the optimal path to financial security. I explore what it actually means to live off dividends in retirement, the benefits and risks of relying on high-dividend-paying stocks or funds, and why diversification might be a smarter approach for long-term financial security.    You will want to hear this episode if you are interested in... [00:00] Living on dividends in retirement [06:31] Dividend stocks vs market returns [09:04] How call options work [10:50] Considerations for income-focused funds [15:15] Discussing withdrawal strategy options   The Allure (and Limits) of Dividend Strategies The appeal of a dividend-driven retirement portfolio is easy to see: pick companies with high yields, collect regular income, and (hopefully) never touch the principal. Using free tools such as Fidelity's stock screener, you can quickly assemble a list of stocks yielding 4% or more. But look closer, and several challenges arise. High dividend-paying stocks tend to be clustered in a few sectors: real estate, consumer staples, healthcare, and energy. This concentration means your portfolio lacks diversification—the single most important factor in managing risk and smoothing returns over time. If these sectors hit hard times, both income and capital could suffer.   An Overlooked Consequence of Dividends and Taxes Interest, dividends, and capital gains are all taxable (sometimes at favorable rates), but in a taxable (non-retirement) account, high dividend income can bump up your annual tax bill regardless of whether you need the cash. With a focus on capital appreciation, you retain more control: you sell as needed, and only pay tax on realized gains.   The Smarter Alternative is Total Return Investing In my opinion, the better approach is a "total return" portfolio: broad diversification across stocks and bonds, targeting growth and income together, while managing risk. Bonds provide stability and income during volatile periods, allowing for stable withdrawals even if stocks temporarily decline. Withdrawal strategies like the Guyton-Klinger guardrails model adjust withdrawals based on market conditions and keep your portfolio aligned with your longevity and inflation risks. Index investing, with its low costs and full market exposure, helps retirees avoid the sector pitfalls of dividend chasing while participating in overall economic growth. Dividends can be a useful piece of your retirement income puzzle—but making them the sole focus of your portfolio can expose you to unnecessary risk, tax drag, and potential underperformance. Instead, construct a balanced total-return strategy. That way, you'll generate income, growth, and peace of mind—not just in bull markets, but in any market environment.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Stock Screener Tools Schwab US Dividend ETF (SCHD) Schwab Total Stock Market Index Fund (SWTSX) JP Morgan Equity Income ETF (JEPI) Berkshire Hathaway AT&T Frontier Communications How To Get More Retirement Income Using Retirement Guardrails    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Join Sarah and Kedren to explore the phenomenon of leaders withdrawing due to a perceived and persistent  lack of agency and efficacy.  This withdrawal is hitting the world-changers hard.  Leaders who have been fueled by hope and the pursuit of ideals often motivate themselves and others through the conviction that together, they could be positive change agents.  When circumstances align to prevent progress, how do leaders hold the tension, stay engaged, and continue to inspire others?  Sarah and Kedren discuss critical leadership skills necessary for this moment in history, including learning how to hold the tension, stay in the middle, accept what is, be realistically optimistic, and persist.  Negative Capability mindsets and behaviors are more important than ever when the seemingly rational adaptation is to check out, give up, stop pushing, and withdraw.  Leaders can 'quiet quit' too, with the potential of derailing movements, teams, and companies.  Work Wisdom is always grateful to Merete Wedell-Wedellsborg for her insightful contributions to our field, but never more thankful than for her very timely March 2026 HBR article that illuminates the widespread phenomenon of leaders losing agency and its subsequent implications for their leadership. To learn more about Work Wisdom, visit www.workwisdomllc.com and follow us on LinkedIn and Instagram (@workwisdom).

Today from SDPB - a company behind a mining operation in the Black Hills withdraws its plan of operations, a small protest in Sioux Falls over a controversial anti-panhandling campaign and more.

10/16: Gregory Copley examines the instability of Mali, Niger, and Burkina Faso after their withdrawal from ECOWAS. The region faces increasing jihadist threats and government paranoia regarding French interference. Meanwhile, Chinese influence in Africa is weakening as Russia's African Corps remains active but limited.1920 LABOR DAY JAPAN

In the final episode of our 8-week series on Losing Relationship Strategies, we explore withdrawal — one of the most subtle, sneaky, and destructive patterns couples fall into. Robert and Sharla unpack how disengaging from the relationship (emotionally, physically, sexually, digitally, or even at the level of choice) slowly erodes connection and can eventually lead to living parallel lives.You'll learn:How withdrawal shows up in both extreme and everyday forms — from stonewalling and “fine” syndrome to digital escape, martyr mode, over-investment in kids/career/hobbies, and the especially sneaky pattern of withdrawing from choosing the marriage while still physically staying in it.The dangerous “Distance and Isolation Cascade” identified by John Gottman that often leads to divorce.Why the opposite of love isn't hate — it's apathy.The critical difference between unhealthy withdrawal and healthy mature acceptance (including Dr. Terry Real's powerful reckoning question and the beautiful Phyllis & Doug story).How to practice responsible distance-taking instead of stonewalling or silent check-out.The #1 rule that reveals whether you're truly accepting something or quietly withdrawing.This episode is filled with honest self-reflection, practical tools, and hope. If you've ever felt like you and your partner are just coexisting instead of truly connecting, this one is for you.Key TakeawaysWithdrawal is disinvesting from the relationship — usually when we're not getting what we want.You can't get your needs met by pulling away.The presence of resentment is the clearest sign you're in withdrawal, not acceptance.Responsible space-taking always includes an understanding + a promise of return.Awareness of your patterns is the first step to interrupting them.Journaling QuestionsWhich losing strategies do you favor? Where might you be withdrawing from fully choosing the relationship?Where did you learn these strategies? Who modeled them growing up?In your opinion — which losing strategies does your spouse tend to use?How might your strategies feed into your partner's (and vice versa)?Share your observations about yourself with your partner (not about them).Resources MentionedThe New Rules of Marriage by Dr. Terry RealThe work of Drs. John & Julie GottmanThe work of Dr. Jennifer Finlayson-FifeIf this episode resonated with you, please take a moment to leave a rating and review — it helps us reach more couples who need this message. And if you know someone who might benefit, please share this episode with them.Thank you for joining us through this entire Losing Strategies series. Be kind and take care of each other this week. It really is the small things done often that make the biggest difference.Get in TouchWebsite: MasterYourMarriage.usInstagram: https://www.instagram.com/masteryourmarriageFacebook: https://www.facebook.com/MasterYourMarriage/

The Republican chairmen of the US congressional armed services committees have said they're very concerned about the Pentagon's decision to withdraw five thousand troops from Germany. Senator Roger Wicker and Representative Mike Rogers warned that prematurely reducing America's forward presence in Europe risked undermining deterrence and sending the wrong signal to Vladimir Putin. NATO says it's seeking clarification from Washington about the plan.Also in the programme: FIFA will allow a team of Afghan women refugees to represent their country in international tournaments; and we look back on the life of a former racing driver and Paralympian.(Photo: A soldier pilots a drone during the 'Combined Resolve' exercise at 7th Army Training Command's Joint Multinational Readiness Center in Hohenfels. More than 3,800 personnel participate in the exercise series, which is a reoccurring U.S. Army Europe and Africa exercise held several times throughout the year for its rotationally deployed troops. US-led army exercise 'Combined Resolve' - media day, Hohenfels, Germany - 30 Apr 2026. CREDIT: ANNA SZILAGYI/EPA/Shutterstock)

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on Twitter, Instagram, Facebook, and YouTube

Today's Headlines: Louisiana Governor Jeff Landry suspended the state's congressional primary elections — which were supposed to start tomorrow — citing the Supreme Court's redistricting ruling as cover to let the Republican-controlled legislature redraw the map first and set a new election date, which will conveniently be a jungle primary where Republicans could theoretically sweep all six of Louisiana's House seats without a single Democrat winning anything. Speaking of elections being quietly dismantled, a previously unknown Jeffrey Epstein suicide note has been sitting sealed in a New York courthouse since his death, discovered by his cellmate and hidden inside a graphic novel written on yellow legal pad paper — the DOJ says it hasn't seen it, the Times says it hasn't seen it, and somehow this is just now coming out. Former AG Pam Bondi finally agreed to testify before the House Oversight Committee about the Epstein coverup, but only after Democrats filed civil contempt charges against her for blowing off her first appearance, and even then she negotiated it down from a sworn deposition to an unsworn interview, which is lawyer for "I can lie more freely." Trump pulled his surgeon general nominee Casey Means — the non-doctor health influencer — after a single Republican senator who is an actual doctor couldn't bring himself to vote for her, replacing her with Fox News contributor and real radiologist Dr. Nicole Saphier, who wrote a book in 2020 called "Make America Healthy Again." Congress passed a spending deal that ended the partial DHS shutdown, funding everything except ICE and Border Patrol for now, which Democrats are calling a win in the same way you call it a win when you only stub one toe. Trump shocked Pentagon officials and European allies alike by spontaneously posting on social media that he's pulling US troops out of Germany — the first anyone on either side of the Atlantic had heard of — possibly triggered by the German Chancellor calling the US "humiliated" by Iran. The Atlantic published a piece called "The Yolo Presidency" reporting that Trump has stopped comparing himself to Washington and Lincoln and has upgraded to Julius Caesar, Alexander the Great, and Napoleon,. Disney and ABC told the FCC they won't be renewing their broadcast licenses early, won't be firing Jimmy Kimmel, and are prepared to fight it in court — Kimmel mocked Trump again anyway, and Trump responded by posting that people are "angry" and it "better be soon." Resources/Articles mentioned: Shreveport Times: Trump praises Governor Jeff Landry for suspending Louisiana elections CNN: How Janet Mills was boxed out of the Maine Senate race by Graham Platner's rise NYT: Jeffrey Epstein's Possible Suicide Note Hidden From Public View CNN: Bondi will testify in House Oversight Committee's Jeffrey Epstein probe NBC News: Trump pulls Dr. Casey Means' nomination for surgeon general, announces replacement Axios: House Republicans cave to Senate with vote to end 75-day DHS shutdown Axios: Scoop: Rep. Chuck Edwards under investigation by House Ethics The Atlantic: The YOLO Presidency - The Atlantic Politico: Trump's call to reduce US troops in Germany shocks Pentagon WSJ: Shark Tank's Mr. Wonderful Is Planning One of America's Biggest Data Centers WSJ: Jimmy Kimmel Mocks Trump Again After FCC Opens Review of ABC TV Licenses Subscribe to the Betches News Room and join the Morning Announcements group chat. Go to: betchesnews.substack.com Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

16. Guest: Cleo Paskal. Paskal reports on Super Typhoon Sinlaku's impact on US Pacific territories. She also discusses the fuel supply crisis in the Marshall Islands caused by the Strait of Hormuz closure. Finally, she details the withdrawal of a controversial UK deal to cede the strategic Chagos Islands to Mauritius. 161945 HOLLYWOOD BLD LOOKING EAST.

In this episode, Dr. David Puder and his talented Cohort deliver a comprehensive exploration of primitive defense mechanisms, which are the earliest, most fundamental ways the mind protects us from overwhelming anxiety, trauma, and threats to the self. Drawing directly from Nancy McWilliams' Psychoanalytic Diagnosis, they break down key primitive defenses.    You'll hear clear definitions, developmental origins, clinical presentations, countertransference implications, literary examples, and real-world clinical vignettes, plus a rich group discussion on when these defenses are adaptive versus maladaptive.   By listening to this episode, you can earn 2.5 Psychiatry CME Credits. Link to blog Link to YouTube video