Podcasts about bonds

Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward in Illinois before diving into buckets of cash, T-bills, decumulation, and Roth conversion timing for Pebbles and Bam Bam. Plus, the fellas help 34 year old Keith in Connecticut figure out if he's actually on track, whether he's taking too much risk, or just worrying too much. They also spitball on the six-figure annuity gain that Gus in Philly's 95 year old dad has amassed. Finally, why yelling "never pay an advisor" on the internet doesn't necessarily magically turn MYGAs into the perfect investment for everyone. (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from a January 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-560 (full show notes & episode transcript) 10 Steps to Improve Investing Success - free download Tax-Smart Charitable Giving Guide 6 Secrets to Bigger Tax Deductions from Your Non-Profit Donations - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:03 - What's the Risk With Business Company Development (BDC) Funds? (Edward, IL) 03:58 - T-Bills, Decumulation, IRAs, and Investing Strategies (Pebbles & Bam Bam, Kentuckystone) 12:02 - I'm 34. Are My Investments Appropriate for My Time Horizon? (Keith, CT) 17:59 - MYGA Retirement Withdrawal Strategy for Dad (Gus in Philly) 23:00 - Just Buy Multi-Year Guaranteed Annuities (MYGAs) and Bonds (comment from Ken, YouTube) 28:04 - YouTube comments: State Taxes, Pro-Rated Sale of Primary Residence, Bonds vs. Pension, and PERMA 35:27 - YMYW Podcast Outro

Our CIO and Chief U.S. Equity Strategist Mike Wilson explains the significance of the Fed's decision to resume buying $40 billion of Treasury bills monthly. Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist.Today on the podcast I'll be discussing the Fed's decision last week and what it means for stocks.It's Monday, December 15th at 11:30am in New York. So, let's get after it.Last week's Fed meeting provided incremental support for our positive 2026 outlook on equities. The Fed delivered on its expected hawkish rate cut but also indicated it would do more if the labor market continues to soften. More important than the rate cut was the Fed's decision to restart asset purchases. More specifically, the Fed intends to immediately begin buying $40 billion of T-Bills per month to ensure the smooth operation of financial markets. Based on our conversations with investors prior to the announcement, this amount and timing of bill buying exceeded both consensus, and my own expectations. It also confirms a key insight I have been discussing for months and highlighted in our Year Ahead Outlook. First, the Fed is not independent of markets, and market stability often plays a dominant role in Fed policy beyond the stated dual mandate of full employment and price stability.Second, given the size of the debt and deficit, the Fed has an additional responsibility to assist Treasury in funding the government, and will likely continue to work more closely with Treasury in this regard.Finally, the decision to intervene in funding markets sooner and more aggressively than expected may not be ‘Quantitative Easing' as defined by the Fed. However, it is a form of debt monetization that directly helps to reduce the crowding out from the still growing Treasury issuance, especially as Treasury issues more Bills over Bonds.At the Fed's October meeting, it indicated some concern about tightening liquidity which I have discussed on this podcast as the single biggest risk to the bull market in stocks. Evidence of this tightness can be seen in the performance of asset prices most sensitive to liquidity, including crypto currencies and profitless growth stocks.While the Fed probably isn't too concerned about the performance of these asset classes, it does care about financial stability in the bond, credit and funding markets. This is what likely prompted it to restart asset purchases sooner and in a more significant way than most expected.We view this as a form of debt monetization as I mentioned, given the Treasury's objective to issue more bills going forward. More importantly, these purchases provide additional liquidity for markets, and in combination with rate cuts, suggest the Fed is likely less worried about missing its inflation target. This is very much in line with our run it hot thesis dating back to early 2021. As a reminder, accelerating inflation is positive for asset prices as long as it doesn't force the Fed's hand to take the punch bowl away like in 2022. Ironically, the risk in the near-term is that this larger than expected asset purchase program may be insufficient if the Fed has materially underestimated the level of reserves necessary for markets to operate smoothly. This is what happened in 2019 and why the Fed created the Standing Repo Facility in the first place. However, this is more of a tool that is used on an as-needed basis. What the markets may want or need is a larger buffer if the Fed has underestimated the level of reserves required for smoothly functioning financial markets.To be clear, I don't know what that level is, but I do believe markets will tell us if the Fed has done enough with this latest provision. Liquidity-sensitive asset classes and areas of the equity market will be important to watch in this regard, particularly given how weak they traded last Friday and this morning.Bottom line, the Fed has reacted to the markets' tremors over the past few months. Should markets wobble again, we are highly confident the Fed will once again react until things calm down. Last week's FOMC meeting only increases our conviction in that case and keeps us bullish over the next 6-12 months, and our 7800 price target on the S&P 500. We would welcome a correction in the short term as a buying opportunity. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3388: Robert Farrington outlines how international bonds can offer valuable diversification to a portfolio, especially when U.S. markets falter. While foreign bonds bring potential for growth and currency advantage, they also carry unique risks, making thoughtful allocation and rebalancing essential for long-term investors. Read along with the original article(s) here: https://thecollegeinvestor.com/33391/international-bonds/ Quotes to ponder: "Rather than buying the bonds of some country directly, which can be complex, you can invest in foreign bonds through mutual funds and ETFs." "The global bond market is far larger and more liquid than the global stock market." "Foreign bonds denominated in the issuing country's currency (i.e., U.K. bonds in British pounds) will have an inverse correlation with the dollar." Episode references: Total International Bond ETF (BNDX): https://investor.vanguard.com/investment-products/etfs/profile/bndx LearnBonds: https://www.learnbonds.com Total World Bond ETF (BNDW): https://investor.vanguard.com/investment-products/etfs/profile/bndw Learn more about your ad choices. Visit megaphone.fm/adchoices

Tomorrow's jobs report, Thursday's Nike results and Friday's BOJ decision are weekly highlights, but focus could stay on fast-retreating tech stocks and rising Treasury yields.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3388: Robert Farrington outlines how international bonds can offer valuable diversification to a portfolio, especially when U.S. markets falter. While foreign bonds bring potential for growth and currency advantage, they also carry unique risks, making thoughtful allocation and rebalancing essential for long-term investors. Read along with the original article(s) here: https://thecollegeinvestor.com/33391/international-bonds/ Quotes to ponder: "Rather than buying the bonds of some country directly, which can be complex, you can invest in foreign bonds through mutual funds and ETFs." "The global bond market is far larger and more liquid than the global stock market." "Foreign bonds denominated in the issuing country's currency (i.e., U.K. bonds in British pounds) will have an inverse correlation with the dollar." Episode references: Total International Bond ETF (BNDX): https://investor.vanguard.com/investment-products/etfs/profile/bndx LearnBonds: https://www.learnbonds.com Total World Bond ETF (BNDW): https://investor.vanguard.com/investment-products/etfs/profile/bndw Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3388: Robert Farrington outlines how international bonds can offer valuable diversification to a portfolio, especially when U.S. markets falter. While foreign bonds bring potential for growth and currency advantage, they also carry unique risks, making thoughtful allocation and rebalancing essential for long-term investors. Read along with the original article(s) here: https://thecollegeinvestor.com/33391/international-bonds/ Quotes to ponder: "Rather than buying the bonds of some country directly, which can be complex, you can invest in foreign bonds through mutual funds and ETFs." "The global bond market is far larger and more liquid than the global stock market." "Foreign bonds denominated in the issuing country's currency (i.e., U.K. bonds in British pounds) will have an inverse correlation with the dollar." Episode references: Total International Bond ETF (BNDX): https://investor.vanguard.com/investment-products/etfs/profile/bndx LearnBonds: https://www.learnbonds.com Total World Bond ETF (BNDW): https://investor.vanguard.com/investment-products/etfs/profile/bndw Learn more about your ad choices. Visit megaphone.fm/adchoices

Fluent Fiction - Spanish: Unexpected Bonds: Love and Discovery in Patagonia Find the full episode transcript, vocabulary words, and more:fluentfiction.com/es/episode/2025-12-15-08-38-20-es Story Transcript:Es: El viento sur de la Patagonia acariciaba el cabello de Valentina mientras el autobús dejaba el pequeño pueblo de Esquel atrás.En: The southern wind of la Patagonia caressed Valentina's hair as the bus left the small town of Esquel behind.Es: Con cámara en mano, miraba por la ventana, ansiosa por capturar cada rincón de ese paisaje imponente.En: With a camera in hand, she looked out the window, eager to capture every corner of that imposing landscape.Es: Lucía, su mejor amiga, dormitaba a su lado.En: Lucía, her best friend, was dozing by her side.Es: A poco más adelante, Santiago, un hombre de mirada introspectiva, anotaba en su cuaderno.En: A little further ahead, Santiago, a man with an introspective gaze, was writing in his notebook.Es: No se conocían, pero el destino los había sentado en ese autobús, uniendo caminos que aún no sabían que serían compartidos.En: They didn't know each other, but destiny had seated them on that bus, linking paths they yet didn't know would be shared.Es: Valentina había soñado con esta aventura desde hace años.En: Valentina had dreamed of this adventure for years.Es: Deseaba sentir la libertad del viento patagónico y encontrar historias en cada montaña y lago.En: She longed to feel the freedom of the Patagonian wind and discover stories in every mountain and lake.Es: Lucía, aunque amaba a su amiga, temía que Valentina se perdiera en sus impulsos.En: Lucía, although she loved her friend, feared that Valentina would lose herself in her impulses.Es: Santiago, por otro lado, viajaba para encontrar soledad.En: Santiago, on the other hand, traveled to find solitude.Es: Era un escritor en busca de inspiración, admirando el silencio y la inmensidad de aquel territorio.En: He was a writer seeking inspiration, admiring the silence and the vastness of that territory.Es: Durante una breve parada, Valentina, siempre curiosa, comenzó a charlar con Santiago.En: During a brief stop, Valentina, always curious, began to chat with Santiago.Es: "¿Qué escribes?"En: "What are you writing?"Es: preguntó, interesada.En: she asked, interested.Es: Santiago, un poco reservado, sonrió tímidamente.En: Santiago, a bit reserved, smiled shyly.Es: "Cuentos.En: "Stories.Es: Pero aquí busco una historia más grande".En: But here I'm looking for a bigger one."Es: Valentina sonrió, sintiendo una conexión inesperada.En: Valentina smiled, feeling an unexpected connection.Es: A medida que continuaron el viaje, Valentina y Santiago encontraron momentos para explorar juntos.En: As the journey continued, Valentina and Santiago found moments to explore together.Es: Mientras Lucía tomaba fotografías a un lago cristalino, Valentina y Santiago subieron a una colina cercana.En: While Lucía took photographs of a crystal-clear lake, Valentina and Santiago climbed a nearby hill.Es: Desde allí, vimos las montañas majestuosas recortadas contra el cielo azul.En: From there, they saw the majestic mountains silhouetted against the blue sky.Es: Hablaron de sus sueños, de lugares que deseaban ver.En: They talked about their dreams, about places they wished to see.Es: Aunque sus personalidades contrastaban, una chispa comenzó a surgir entre ellos.En: Although their personalities contrasted, a spark began to arise between them.Es: Llegó la víspera de Navidad, y el autobús se detuvo en un pequeño pueblo llamado El Chaltén.En: Christmas Eve arrived, and the bus stopped in a small town called El Chaltén.Es: El pueblo celebraba con luces, música y una fiesta comunitaria.En: The town was celebrating with lights, music, and a community party.Es: Valentina convenció a Santiago de unirse.En: Valentina convinced Santiago to join.Es: Rodeados de baile y risas, el sonido de un bandoneón llenó el aire.En: Surrounded by dance and laughter, the sound of a bandoneon filled the air.Es: En la calidez de la festividad, Santiago y Valentina tuvieron un momento de vulnerabilidad.En: In the warmth of the festivity, Santiago and Valentina had a moment of vulnerability.Es: Santiago la tomó de la mano y, por un instante, se olvidaron de sus diferencias.En: Santiago took her hand, and for an instant, they forgot about their differences.Es: Mientras la noche avanzaba, los dos se alejaron del bullicio para caminar bajo el manto estrellado.En: As the night progressed, the two drifted away from the noise to walk under the starry sky.Es: "Gracias por esta noche", dijo Santiago.En: "Thank you for this night," said Santiago.Es: "Me hacía falta alguien que me recordara la belleza en compañía".En: "I needed someone to remind me of the beauty in company."Es: Valentina sonrió, sintiendo que había encontrado algo más que paisajes en su viaje.En: Valentina smiled, feeling that she had found more than landscapes on her journey.Es: Cuando el autobús reanudó su marcha al día siguiente, Valentina tomó una decisión.En: When the bus resumed its journey the next day, Valentina made a decision.Es: Modificó sus planes y accedió a explorar con Santiago pequeños pueblos que se encontraban fuera del mapa turístico.En: She altered her plans and agreed to explore with Santiago small towns that were off the tourist map.Es: Lucía, aunque al principio preocupada, notó que Santiago sacaba lo mejor de Valentina.En: Lucía, though initially worried, noticed that Santiago brought out the best in Valentina.Es: Le dio su bendición, aunque con una sonrisa prudentemente escéptica.En: She gave her blessing, though with a cautiously skeptical smile.Es: Juntos, Valentina y Santiago se adentraron en la belleza desconocida de la Patagonia, sus diferencias se convirtieron en fortalezas.En: Together, Valentina and Santiago delved into the unknown beauty of la Patagonia; their differences became strengths.Es: Valentina aprendió que en la búsqueda de sus sueños, había espacio para vincularse.En: Valentina learned that in the pursuit of her dreams, there was room to connect.Es: Santiago descubrió que la mejor inspiración venía de la compañía que nunca buscó, pero que ahora valoraba profundamente.En: Santiago discovered that the best inspiration came from the company he never sought but now deeply valued.Es: Más allá de las montañas y los lagos, su viaje continuó, cada paso resonando con la promesa de un nuevo comienzo y un paisaje compartido por explorar.En: Beyond the mountains and lakes, their journey continued, each step resonating with the promise of a new beginning and a shared landscape to explore.Es: La Patagonia no solo les dio vistas impresionantes, sino también un compañero con quien disfrutar cada amanecer.En: La Patagonia not only gave them breathtaking views but also a companion with whom to enjoy each sunrise. Vocabulary Words:caressed: acariciabaimposing: imponenteintrospective: introspectivadestiny: el destinoimpulses: los impulsossolitude: la soledadinspiration: la inspiraciónvastness: la inmensidadbrief: breveshyly: tímidamentespark: la chispamajestic: majestuosassilhouetted: recortadasChristmas Eve: la víspera de Navidadcommunity: comunitariavulnerability: vulnerabilidadinstantly: por un instantedrifted: se alejaronstarry: estrelladoremind: recordaraaltered: modificóskeptical: escépticadelved: se adentraronunknown: desconocidastrengths: fortalezaspursuit: la búsquedaresonating: resonandopromise: la promesacompanionship: la compañíabreathtaking: impresionantes

Fluent Fiction - Korean: Building Bonds in Snow: A Team's Journey at Gyeongbokgung Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ko/episode/2025-12-15-08-38-19-ko Story Transcript:Ko: 서울의 겨울은 차갑고도 아름답다.En: Winter in Seoul is both cold and beautiful.Ko: 나는 프로젝트 매니저로서 팀원들과 함께 경복궁에 가기로 했다.En: As a project manager, I decided to go to Gyeongbokgung with my team members.Ko: 우리는 팀 빌딩 여행을 통해 서로를 이해하고 새로울 결속을 다지려고 한다.En: Through this team-building trip, we aim to understand each other and forge a new bond.Ko: 눈으로 덮인 궁궐은 마치 다른 세계처럼 고요하고 장엄하다.En: The palace, covered in snow, is serene and majestic, like another world.Ko: 나는 경복궁의 정원에서 신뢰 쌓기 연습을 준비했다.En: I prepared a trust-building exercise in the gardens of Gyeongbokgung.Ko: 그 날, 하늘은 맑고 공기는 상쾌하다.En: The sky was clear, and the air was refreshing that day.Ko: 내가 두려움을 숨기며 말했다. "모두 여기 모여주세요. 오늘 우리는 서로에게 마음을 열고 신뢰를 쌓아보겠습니다."En: Hiding my anxiety, I said, "Everyone, please gather here. Today, we are going to open our hearts to each other and build trust."Ko: 미소를 띠던 민준이는 나에게 다가와 말했다. "제가 먼저 해볼까요?" 그의 웃음은 따뜻했지만, 나는 그가 요즘 고민이 있는 것을 알고 있다.En: Minjun, with a smile on his face, approached me and said, "Shall I go first?" His smile was warm, but I knew he had been troubled lately.Ko: 우리는 간단한 게임을 시작했다.En: We started with a simple game.Ko: 서로의 이야기를 듣고, 서로를 믿는 연습을 한다.En: We listened to each other's stories and practiced trusting one another.Ko: 윤아는 조금 망설이는 듯했지만, 조금씩 참여하기 시작했다.En: Yuna seemed a little hesitant at first, but she gradually started participating.Ko: "솔직히, 저는 이게 좀 억지스럽다고 생각했어요," 윤아가 말했다. "하지만 진심으로 하면 괜찮을 것 같아요."En: "Honestly, I thought this was a bit forced," Yuna said. "But if we do it sincerely, I think it will be okay."Ko: 시간이 흘러, 우리는 경복궁 안쪽으로 걸어갔다.En: Time passed, and we walked further inside Gyeongbokgung.Ko: 그때 우리 귀에 전통 음악 소리가 들렸다.En: Then we heard the sound of traditional music.Ko: 겨울 소리, 한복을 입은 예술가들이 북을 치고 있었다.En: It was a winter sound, with artists dressed in hanbok playing drums.Ko: 우리는 그앞에 모였다.En: We gathered in front of them.Ko: 음악은 우리의 마음을 녹였다.En: The music melted our hearts.Ko: 나는 팀원들에게 물었다. "각자 내년의 목표가 무엇인가요?" 민준이 자신을 돌아봤다.En: I asked the team members, "What are your goals for next year?" Minjun reflected on himself.Ko: "저는... 제 능력을 더 믿고 싶어요," 그가 조심스럽게 말했다.En: "I want to believe in my abilities more," he said cautiously.Ko: 윤아는 우리에게 고백했다. "저는 동료들에게 더 진심을 전하고 싶어요."En: Yuna confessed to us, "I want to show more sincerity to my colleagues."Ko: 그녀의 말에 우리는 고개를 끄덕였다.En: We nodded at her words.Ko: 나도 용기 내어 말했다. "나는 여러분에게 완벽하지 않아도 괜찮다는 것을 보여주고 싶어요."En: Taking courage, I said, "I want to show you that it's okay not to be perfect."Ko: 마침내 우리는 버스로 돌아갔다.En: Finally, we returned to the bus.Ko: 모두의 표정이 한층 밝아졌다.En: Everyone's expressions were notably brighter.Ko: 나는 가슴 속에 따뜻함을 느낀다.En: I felt a warmth in my heart.Ko: 팀원들이 함께 웃고 이야기를 나누고 있었다.En: The team members were laughing and talking with each other.Ko: 이번 경복궁 방문은 단순한 여행이 아니었다.En: This visit to Gyeongbokgung was not just a simple trip.Ko: 우리는 함께 성장하고, 서로를 이해하게 되었다.En: We grew together and understood one another.Ko: 나에게 팀은 이제 단순한 동료가 아니다.En: To me, the team is no longer just colleagues.Ko: 신뢰와 존중이 가득한 가족 같다.En: It feels like a family full of trust and respect.Ko: 이 겨울, 나는 그 어떤 것보다 소중한 것을 배웠다.En: This winter, I've learned something more precious than anything else. Vocabulary Words:forge: 다지다serene: 고요한majestic: 장엄한anxiety: 두려움hesitant: 망설이는participate: 참여하다cautiously: 조심스럽게sincere: 진심confess: 고백하다notably: 한층precious: 소중한refreshing: 상쾌한gather: 모이다troubled: 고민이 있는exercise: 연습melted: 녹였다colleagues: 동료expressions: 표정bond: 결속trust: 신뢰smile: 미소hearts: 마음sound: 소리reflect: 돌아보다gather: 모여illuminate: 밝아지다goals: 목표courage: 용기artists: 예술가honestly: 솔직히

When today's guest was on this channel earlier this year, he warned that a 'triumvirate" of three massive asset price bubbles -- in credit, real estate and stocks -- threatened to take down our fragile economy and dash the retirement hopes for millions.Since then, the bubbles have only expanded.Will they expand further -- or pop -- in 2026?To find out, we have the great good fortune to welcome money manager Michael Pento back to the program.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#bonds #stocks #housingmarket _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

What if your team could feel more connected without ever mandating office days? In this Quick Win episode, I’m joined by Avani Prabhakar, Chief People Officer at Atlassian. With over 13,000 employees scattered around the globe, Atlassian has learned that connection doesn’t come from casual coffee chats or watercooler moments. Instead, they’ve built a framework called Intentional Togetherness – bringing teams together once a quarter with a clear purpose. It’s a practice that creates bonds lasting far beyond a handful of office days. Avani and I discuss: Why “remote” and “distributed” work are not the same thing The myth that office attendance automatically creates connection How Atlassian’s “Intentional Togetherness” framework works The quarterly gatherings that build bonds that last for months Why purposeful collaboration beats sporadic in-office days Key Quotes “Connection wasn’t built by sporadic office attendance – it was built when you bring people intentionally together with a purpose.” Connect with Avani on LinkedIn. Listen to the full interview with Avani here. My latest book The Health Habit is out now. You can order a copy here: https://www.amantha.com/the-health-habit/ Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha-imber.ck.page/subscribe Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: The Podcast Butler See omnystudio.com/listener for privacy information.

Fluent Fiction - Mandarin Chinese: Winter Bonds: A Sibling Journey on the Great Wall Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2025-12-14-08-38-20-zh Story Transcript:Zh: 长城在冬天有一种特别的魅力。En: The Changcheng has a special charm in the winter.Zh: 白雪轻轻躺在墙头，仿佛给这历史悠久的建筑披上了一层洁白的披风。En: The white snow gently lies on the walls, as if draping a white cloak over this ancient structure.Zh: 在这个冬至节，连和她的哥哥伟决定来到这里旅行。En: On this Dongzhi Festival, Lian and her brother Wei decided to travel here.Zh: 对连来说，这不仅是一次简单的旅行，更是一个修复与哥哥感情的机会。En: For Lian, it was not just a simple trip; it was an opportunity to mend her relationship with her brother.Zh: 连满怀期待地看着伟，但他一直盯着手机，手指在屏幕上飞快地滑动。En: Lian looked at Wei with anticipation, but he kept staring at his phone, his fingers swiftly sliding across the screen.Zh: 他正忙着处理工作邮件，对连的盛情视而不见。En: He was busy dealing with work emails, ignoring Lian's enthusiasm.Zh: 连知道伟是个工作狂，但她希望在这个特别的节日里，能够让他停下脚步，享受与家人共度的时光。En: Lian knew Wei was a workaholic, but she hoped that during this special holiday, he could pause and enjoy time with family.Zh: 为了引起伟的注意，连决定带他来到一个长城上著名的景点。En: To catch Wei's attention, Lian decided to take him to a famous spot on the Great Wall.Zh: 这里景色壮丽，既能让人忘记城市的喧嚣，也是重温历史的好地方。En: The scenery here is magnificent, capable of making one forget the noise of the city and a good place to revisit history.Zh: 伟勉强答应了，心不在焉地收起了手机。En: Wei reluctantly agreed, absentmindedly putting away his phone.Zh: 他们沿着蜿蜒的长城缓缓前行。En: They slowly walked along the winding Great Wall.Zh: 寒风呼啸，但连心里却是温暖的。En: The cold wind howled, but Lian felt warm inside.Zh: 忽然，天空中降下了雪花，开始时零零落落，不久后便化作一场雪暴。En: Suddenly, snowflakes began to fall from the sky, sparse at first, but soon turned into a snowstorm.Zh: 大雪遮蔽了视线，脚下的路变得滑溜不堪。En: The heavy snow obscured their vision, and the path beneath their feet became treacherously slippery.Zh: 连和伟必须携手合作，找到安全的回程路。En: Lian and Wei had to work together to find a safe way back.Zh: 在这一刻，伟放下了他的手机，专注地帮助连。En: At that moment, Wei put down his phone and focused on helping Lian.Zh: 他用手护着连的肩，指引着她小心前行。En: He sheltered her shoulder with his hand, guiding her carefully forward.Zh: 一路上，他们并肩而行，彼此靠近，渐渐找回了昔日的亲密。En: Along the way, they walked side by side, drawing closer to each other, gradually rekindling their old closeness.Zh: 最终，他们安全地回到了避风处。En: Eventually, they safely returned to a sheltered place.Zh: 夜幕降临，连和伟围坐在餐桌前，共享节日的团圆汤圆。En: As night fell, Lian and Wei sat around the table, sharing the holiday reunion tangyuan.Zh: 甜甜的汤圆象征着团圆，连微笑着对伟说：“试着多和家人在一起，也许会发现其中的快乐。”En: The sweet tangyuan symbolized reunion, and Lian smiled at Wei and said, “Try to spend more time with family, and maybe you'll find joy in it.”Zh: 伟点了点头，若有所思地回答：“也许工作不是一切。”En: Wei nodded thoughtfully and replied, “Maybe work isn't everything.”Zh: 这个冬至夜，连和伟在讲述过去的故事中，重新找到了彼此。En: On this Winter Solstice night, Lian and Wei found each other again through stories of the past.Zh: 他们明白，家人才是人生中最重要的陪伴，哪怕在寒冷的冬天，也能带来温暖。En: They understood that family is the most important companionship in life, bringing warmth even in the coldest winter.Zh: 通过这次长城之旅，连收获了表达自己的勇气，而伟领悟到了家庭的重要。En: Through this trip to the Great Wall, Lian gained the courage to express herself, and Wei realized the importance of family.Zh: 就这样，在灯火明亮的屋内，她和哥哥一起迎来了一个温暖的冬至节。En: Thus, in the brightly lit house, she and her brother welcomed a warm Winter Solstice together. Vocabulary Words:charm: 魅力draping: 披上ancient: 历史悠久的anticipation: 期待swiftly: 飞快地workaholic: 工作狂magnificent: 壮丽absentmindedly: 心不在焉地winding: 蜿蜒的howled: 呼啸obscured: 遮蔽treacherously: 滑溜不堪sheltered: 避风处gradually: 渐渐rekindling: 找回tangyuan: 汤圆symbolized: 象征着joy: 快乐thoughtfully: 若有所思地companionship: 陪伴courage: 勇气express: 表达lit: 明亮snowscape: 雪景trek: 旅行relationship: 感情swift: 迅速的leisure: 休闲sentiment: 情感perspective: 视角

Fluent Fiction - Catalan: Baking Bonds: A Mix-Up Leads to Holiday Magic in Barcelona Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ca/episode/2025-12-14-08-38-20-ca Story Transcript:Ca: El mercat de Nadal al cor de Barcelona bategava d'activitat.En: The Christmas market in the heart of Barcelona was bustling with activity.Ca: Les llums brillaven com estrelles entre les parades plenes de nadalets i dolços nadalencs.En: The lights shone like stars among the stalls full of Christmas knick-knacks and holiday sweets.Ca: L'aroma de castanyes torrades i vins calents s'escampava per l'aire fred, mentre les rialles dels nens omplien el lloc amb alegria.En: The aroma of roasted chestnuts and mulled wines wafted through the cold air, while the laughter of children filled the place with joy.Ca: Entre la multitud, Roger, un jove que sempre es mantenia lluny de la cuina, va veure un cartell gran que deia: "Concurs de Pastissos de Nadal - Inscripció aquí!".En: Among the crowd, Roger, a young man who always stayed far from the kitchen, saw a large sign that read: "Christmas Cake Contest - Sign up here!"Ca: Malinterpretant el cartell, pensava que era una degustació gratuïta.En: Misunderstanding the sign, he thought it was a free tasting.Ca: Sense pensar-s'ho dues vegades, es va registrar, esperant tastar pastissos suculents.En: Without a second thought, he registered, hoping to taste succulent cakes.Ca: De sobte, es va trobar envoltat d'altres participants, amb ingredients desconeguts davant seu.En: Suddenly, he found himself surrounded by other participants, with unfamiliar ingredients before him.Ca: Al seu costat estava Montserrat, una apassionada per la pastisseria.En: Next to him was Montserrat, a passionate baking enthusiast.Ca: Ella somiava fer-se un nom al món de la cuina.En: She dreamed of making a name for herself in the culinary world.Ca: Mirava Roger, qui semblava perdut entre ous, farina i nadaletes.En: She looked at Roger, who seemed lost among eggs, flour, and Christmas decorations.Ca: Roger va decidir seguir endavant, esperant que Montserrat li fes costat.En: Roger decided to move forward, hoping Montserrat would support him.Ca: "Potser em donarà un cop de mà per compassió", pensava ell, intentant semblar tranquil.En: "Maybe she'll lend me a hand out of pity," he thought, trying to appear calm.Ca: Mentrestant, Montserrat es movia amb gràcia, mesurant ingredients amb precisió.En: Meanwhile, Montserrat moved gracefully, measuring ingredients with precision.Ca: El famós xef i jutge s'apropava avaluant cada participant amb ulls crítics.En: The famous chef and judge was approaching, evaluating each participant with critical eyes.Ca: Roger, nerviós, accidentalment va colpejar la taula de Montserrat.En: Nervous, Roger accidentally bumped Montserrat's table.Ca: El seu pastís es va tombar, rodolant i creant un efecte dominó de desastres.En: Her cake toppled over, rolling and creating a domino effect of disasters.Ca: Les esgarips es van transformar ràpidament en rialles.En: The gasps quickly turned into laughter.Ca: Montserrat, amb un somriure, va dir: "Tranquil, Roger. Farem alguna cosa junts."En: Montserrat, with a smile, said: "Don't worry, Roger. We'll do something together."Ca: Va ser el començament d'un treball en equip inesperat.En: It was the start of an unexpected teamwork.Ca: Amb paciència i molt d'humor, van començar a remenar ingredients.En: With patience and a lot of humor, they began mixing ingredients.Ca: Roger, veient les habilitats de Montserrat, va deixar anar els seus temors.En: Roger, seeing Montserrat's skills, let go of his fears.Ca: Va descobrir que cuinar podia ser divertit, especialment en bona companyia.En: He discovered that cooking could be fun, especially in good company.Ca: Ràpidament, van crear un pastís de Nadal que, sorprenentment, va rebre elogis del temut xef.En: Quickly, they created a Christmas cake that, surprisingly, received praises from the feared chef.Ca: Ells reien, pensant en la juguesca que havia estat el concurs.En: They laughed, thinking about the mishap that the contest had been.Ca: Al final, el pastís no era perfecte, però havia capturat la màgia del moment.En: In the end, the cake wasn't perfect, but it had captured the magic of the moment.Ca: Roger va aprendre que, a vegades, el que compta no és la perfecció, sinó gaudir del camí i la gent que t'hi acompanya.En: Roger learned that, sometimes, what matters isn't perfection, but enjoying the journey and the people who accompany you.Ca: I qui sap, potser aquella espurna d'alegria va ser el principi de moltes aventures i amistats a la cuina.En: And who knows, maybe that spark of joy was the beginning of many adventures and friendships in the kitchen. Vocabulary Words:the market: el mercatthe heart: el corthe crowd: la multitudthe sign: el cartellthe participant: el participantthe ingredient: l'ingredientthe judge: el jutgethe eyes: els ullsthe laughter: les riallesthe aroma: l'aromathe cake: el pastísthe disaster: el desastrethe skill: l'habilitatthe fear: la porthe company: la companyiathe praise: l'elogithe adventure: l'aventurathe friendship: l'amistatthe journey: el camíthe spark: l'espurnathe joy: l'alegriathe perfection: la perfeccióthe humor: l'humorthe magic: la màgiathe name: el nomthe patience: la paciènciathe misinterpretation: la malinterpretaciósurprised: sorprèsunexpected: inesperatcritical: crític

This conversation, on today's show, explores the evolving concept of retirement, emphasizing the importance of planning beyond just financial aspects. Host Nathan Fort discusses the significance of relationships, the need for clarity and control in financial planning, and strategies to manage longevity risk and emotional investing. Nathan encourages listeners to rethink retirement as a fulfilling phase of life rather than just a cessation of work, highlighting the necessity of a comprehensive retirement plan that includes income strategies and personal goals. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Who are you — outside of what you do for everyone else? In this episode, I invite women to pause, reflect, and reconnect with their identity beyond roles, titles, and expectations. As we approach 2026, this is a reminder that before we show up for others, we must first know who we are at our core.If this conversation resonates, you can go deeper with my book, The Bonds of Sisterhood: A Guide to Building Your Tribe, available wherever books are sold. Links are in the show notes.________________________________________

In an episode so top secret, we’ve disguised the voices of our sisters. We’re tearing down the walls of this long standing mysterious ritual. This is our riskiest episode to date. We take you inside INITIATION.See omnystudio.com/listener for privacy information.

In an episode so top secret, we’ve disguised the voices of our sisters. We’re tearing down the walls of this long standing mysterious ritual. This is our riskiest episode to date. We take you inside INITIATION.See omnystudio.com/listener for privacy information.

Fluent Fiction - Norwegian: Unbreakable Bonds: A Christmas Heirloom Mystery Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2025-12-13-23-34-02-no Story Transcript:No: Hyggestemningen lå som et teppe over den lille hytta i skogen.En: The cozy atmosphere lay like a blanket over the little cabin in the skogen.No: Det glitrende snødekket utenfor ga et magisk lys inn i stuen.En: The glistening snow cover outside cast a magical light into the living room.No: Det luktet granbar og pepperkaker, og på peisen var det pyntet med nisser.En: The smell of pine needles and gingerbread filled the air, and the fireplace was decorated with Santa Claus figures.No: Lokale særtrekk som stabburkjøtt og sylte var klar for julebordet.En: Local specialties like stabburkjøtt and sylte were ready for the Christmas table.No: Mikkel satt stille ved vinduet.En: Mikkel sat quietly by the window.No: Han så ut på vinterlandskapet, men tankene var et annet sted.En: He looked out at the winter landscape, but his thoughts were elsewhere.No: Denne julefeiringen skulle være koselig, men han kjente på den gamle skylden.En: This Christmas celebration was supposed to be cozy, but he felt the old guilt.No: Det gamle arvestykket, en vakker porselensfigur, han hadde ødelagt som barn, hjemsøkte ham.En: The family heirloom, a beautiful porcelain figurine he had broken as a child, haunted him.No: Familien visste ikke, og han hadde aldri turt å si det.En: The family didn't know, and he had never dared to say it.No: Nå var figuren forsvunnet.En: Now the figurine was missing.No: Astrid, Mikkels livlige kusine, steg inn i rommet med et stort smil.En: Astrid, Mikkel's lively cousin, entered the room with a big smile.No: "Kom igjen, Mikkel!En: "Come on, Mikkel!No: Vi må finne det arvestykket," sa hun ivrig.En: We have to find that heirloom," she said eagerly.No: Hun elsket familiehemmeligheter nesten like mye som hun elsket å telle julelys.En: She loved family secrets almost as much as she loved counting Christmas lights.No: Mikkel nikket motvillig.En: Mikkel nodded reluctantly.No: Han trengte hennes hjelp.En: He needed her help.No: Men han fryktet også hva som ville skje om sannheten kom frem.En: But he also feared what would happen if the truth came out.No: Sindre, deres mystiske onkel, fortalte historier om familiens fortid opp til middag.En: Sindre, their mysterious uncle, told stories about the family's past up until dinner time.No: Hans øyne glitret i lyset fra peisen.En: His eyes glimmered in the light from the fireplace.No: Han hadde med seg et manuskript, og Mikkel visste at det dreide seg om familien.En: He had with him a manuscript, and Mikkel knew it was about the family.No: Astrid la merke til det også.En: Astrid noticed it too.No: "Hva skriver du, onkel?En: "What are you writing, uncle?"No: " spurte hun nysgjerrig, men Sindre smilte bare lurt.En: she asked curiously, but Sindre just smiled slyly.No: De begynte å lete etter ledetråder.En: They began searching for clues.No: Astrid fant et gammelt fotografi fra juletrepyntingen for mange år siden.En: Astrid found an old photograph from the Christmas tree decorating many years ago.No: Mikkel husket den dagen så godt, da figuren falt fra hyllen.En: Mikkel remembered that day so well, when the figurine fell from the shelf.No: Det var et øyeblikk av uoppmerksomhet, som hadde preget ham siden.En: It was a moment of inattention that had marked him since.No: Så kom julaften.En: Then came Christmas Eve.No: Middagen var fylt med koldtbordets herligheter.En: The dinner was filled with the delights of the cold table.No: Men luften var tykk av usagte ord.En: But the air was thick with unspoken words.No: Plutselig reiste Sindre seg og kremtet.En: Suddenly, Sindre stood up and cleared his throat.No: "Jeg vil lese litt fra min bok.En: "I want to read a bit from my book."No: " Papiret knitret mens han åpnet manuset.En: The paper rustled as he opened the manuscript.No: Mikkel kjente hjertet hamre i brystet.En: Mikkel felt his heart pounding in his chest.No: Ordene Sindre leste avslørte gamle sannheter.En: The words Sindre read revealed old truths.No: Hvordan figuren hadde vært et symbol på familiens sammenheng.En: How the figurine had been a symbol of the family's unity.No: Hvordan feil kunne tilgiende, men aldri glemt.En: How mistakes could be forgiven but never forgotten.No: Mikkel reiste seg, hjerte i halsen.En: Mikkel stood up, heart in his throat.No: "Jeg.En: "I...No: det var jeg som ødela arvestykket," sa han stille.En: I was the one who broke the heirloom," he said quietly.No: Rommet fyltes med stillhet.En: The room filled with silence.No: Først var det overraskelse, deretter tilgivelse.En: First there was surprise, then forgiveness.No: Astrid smilte varmt til ham.En: Astrid smiled warmly at him.No: "Vi finner det sammen.En: "We'll find it together.No: Kanskje vi til og med kan reparere det.En: Maybe we can even repair it."No: " Sindre blunket til nevøen sin.En: Sindre winked at his nephew.No: "Familie er viktigere enn gjenstander.En: "Family is more important than objects."No: "Sammen fant de den gamle, skadede figuren.En: Together, they found the old, damaged figurine.No: Mikkel kjente en lettelse, beseiret sin frykt.En: Mikkel felt a relief, having conquered his fear.No: Familien holdt sammen, reparerte både figuren og båndene til hverandre.En: The family held together, repaired both the figurine and the bonds with each other.No: Denne julen lærte de at ærlighet, selv om det var vanskelig, alltid var det beste valget.En: This Christmas, they learned that honesty, even if difficult, was always the best choice.No: Nytelsen av å dele historier og skape minner ble høydepunktet av julefeiringen.En: The pleasure of sharing stories and creating memories became the highlight of the Christmas celebration.No: Når snøen begynte å falle rolig utenfor, samlet familien seg rundt peisen.En: As the snow began to fall gently outside, the family gathered around the fireplace.No: Mikkel smilte, en ny ro i hjertet.En: Mikkel smiled, a new peace in his heart.No: Det ville bli en jul å huske.En: It would be a Christmas to remember.No: En familie for livet.En: A family for life. Vocabulary Words:cozy: hyggeligatmosphere: stemningglistening: glitrendemagical: magiskgingerbread: pepperkakerfireplace: peisdecorated: pyntetheirloom: arvestykkehaunted: hjemsøktemysterious: mystiskreluctantly: motvilligmanuscript: manuskriptglimmered: glitretcuriously: nysgjerrigslyly: lurtattention: oppmerksomhetunspoken: usagteforgiven: tilgiendesurprise: overraskelseforgiveness: tilgivelsewinked: blunketconquered: beseirettruth: sannhetendelights: herligheterthick: tykkunity: samholdbond: båndhonesty: ærlighetpleasure: nytelsememories: minner

"I'm 66 and still mostly invested in stocks. Should I start shifting into bonds now that I'm retired, or is that old-school thinking?" We're answering YOUR questions on this week's Get Ready For The Future Show! We don't have kids and want to leave part of our estate to our church and a few nonprofits. What's the best way to do that while minimizing taxes? We're 64 and considering selling our home and moving into a smaller condo. How do we know if it will actually save us money in retirement? We're both retired and have some investment income. Are there situations where it makes sense to file taxes separately instead of jointly? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired 12/10/2025

Fluent Fiction - Korean: Bonds in the Snow: A Winter Tale of Friendship and Strength Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ko/episode/2025-12-13-23-34-02-ko Story Transcript:Ko: 겨울의 맑은 공기가 고궁의 장대한 기와를 스치는 날이었다.En: It was a day when the clear winter air brushed against the grand tiles of the ancient palace.Ko: 경복궁의 하얀 눈이 풍경에 고즈넉함을 더하고 있었다.En: The white snow at Gyeongbokgung added a serene calmness to the scenery.Ko: 지수, 민준, 수아는 그 오래된 돌길을 밟으며 함께 투어를 하고 있었다.En: Jisoo, Minjun, and Sooa were taking a tour together, stepping on those old stone paths.Ko: 눈이 내린 경복궁은 마치 다른 세상 같은 아름다움을 자랑했다.En: The snow-covered Gyeongbokgung boasted a beauty that looked as if it belonged to another world.Ko: 지수는 공부와 가족의 기대에 지쳐 있었다.En: Jisoo was tired of her studies and her family's expectations.Ko: 오늘만큼은 모든 걸 잊고 친구들과 자유를 만끽하고 싶었다.En: Just for today, she wanted to forget everything and enjoy her freedom with friends.Ko: 그러나 그녀의 마음속에는 항상 그녀의 약점, 천식이 자리 잡고 있었다.En: However, she always had the shadow of her weakness, asthma, looming in her mind.Ko: 그런 약점을 친구들에게 보이고 싶지 않았다.En: She didn't want to show this weakness to her friends.Ko: 민준은 걱정 없이 웃음을 주는 친구였다.En: Minjun was a carefree friend who made people laugh.Ko: 그는 언제나 사람들을 즐겁게 하는 데에 탁월했지만, 지수를 향한 자신의 감정을 고백할 용기는 없었다.En: He was always great at making others happy, but he lacked the courage to confess his feelings to Jisoo.Ko: 수아는 언제나 친구들 사이를 잘 조율하며 그들의 마음을 이해했다.En: Sooa was adept at mediating between friends and understood their hearts well.Ko: 그녀는 지수를 보며 뭔가 불안함을 느꼈다.En: She sensed something amiss when she looked at Jisoo.Ko: "여기 정말 멋지지 않아?" 민준이 웃으며 말했다.En: "Isn't it just wonderful here?" Minjun said with a smile.Ko: "응, 정말 이 순간이 계속되면 좋겠다," 지수가 대답했다.En: "Yeah, I wish this moment could last forever," Jisoo replied.Ko: 그러나 그녀의 숨은 점점 더 가빠지고 있었다.En: However, her breathing was becoming increasingly labored.Ko: 차가운 공기가 폐로 들어오면서 그녀의 천식이 서서히 다가오고 있었다.En: As the cold air entered her lungs, her asthma gradually began to surface.Ko: 그녀는 크게 숨을 내쉬었다.En: She took a deep breath.Ko: 수아는 곧 이상함을 느꼈다.En: Sooa quickly sensed something was wrong.Ko: "지수, 너 괜찮아?" 그녀는 살피듯 물었다.En: "Jisoo, are you okay?" she asked tentatively.Ko: "어, 괜찮아. 정말이야," 지수는 억지로 미소 지으며 말했다.En: "Yeah, I'm fine. Really," Jisoo said, forcing a smile.Ko: 그러나 그녀의 얼굴은 창백했다. 피부는 땀에 젖어 있었다.En: But her face was pale, and her skin was damp with sweat.Ko: "정말 괜찮아 보여?" 민준이 걱정스레 물었다.En: "Do you really look okay?" Minjun asked with concern.Ko: 그 순간, 지수는 더 이상 숨쉴 수 없었다. 그녀는 무너지듯 땅에 주저앉았다.En: At that moment, Jisoo could no longer breathe and collapsed to the ground.Ko: 민준과 수아는 즉시 그녀에게 다가가 그녀를 도왔다.En: Minjun and Sooa immediately approached to help her.Ko: "지수야, 힘내! 우리 구급차를 부를게," 민준은 떨리는 목소리로 말했다.En: "Jisoo, hang in there! We'll call an ambulance," Minjun said in a trembling voice.Ko: 지수는 결국 자신의 약함을 인정하며, "미안해... 도와줘,"라고 작게 말했다.En: Finally admitting her weakness, Jisoo softly said, "I'm sorry... help me."Ko: 그녀는 두 친구의 지원 속에서 차분히 호흡을 맞춰갔다.En: She calmly regained her breath with the support of her two friends.Ko: 시간이 지나면서, 지수는 그곳에서 진정했고, 민준과 수아는 그녀 곁을 지켰다.En: As time passed, Jisoo recovered there, and Minjun and Sooa stayed by her side.Ko: 그들은 잃어버린 시간이 아니었다.En: It wasn't time wasted.Ko: 그날의 경험으로 그들은 서로의 진정한 친구가 되었다.En: Through that day's experience, they became true friends to each other.Ko: 나중에 지수는 두 친구에게 말했다. "고마워.En: Later, Jisoo told her two friends, "Thank you.Ko: 너희가 있어서 정말 다행이야."En: I'm really glad I have you."Ko: 수아는 웃으며 답했다. "우리가 서로 도울 수 있어서 좋았어."En: Sooa replied with a smile, "I'm glad we could help each other."Ko: 민준은 희미하게 웃으며 말했다. "우리 언제든 도와줄게, 알지?"En: Minjun smiled faintly and said, "We'll always help, you know?"Ko: 그날 이후, 지수는 자신의 약점을 더 이상 숨기지 않았다.En: After that day, Jisoo no longer hid her weaknesses.Ko: 그녀는 친구들과 함께하는 것이 무엇보다 소중하다는 것을 깨달았다.En: She realized that being with her friends was more valuable than anything.Ko: 그리고 그 모든 것 속에서, 그녀는 진정한 강함을 발견했다.En: Amidst it all, she discovered her true strength.Ko: 친구들은 그녀의 일부가 되었고, 그녀는 그들과 함께 할 미래를 더욱 기대했다.En: Her friends became a part of her, and she looked forward to a future with them.Ko: 경복궁의 맑은 하늘 아래, 그들의 우정은 더 깊어졌다.En: Under the clear skies of Gyeongbokgung, their friendship deepened even more. Vocabulary Words:serene: 고즈넉함calmness: 평온함ancient: 고대의expectations: 기대asthma: 천식looming: 다가오는confess: 고백하다courage: 용기adept: 능숙한mediating: 조율sensed: 느꼈다tentatively: 살피듯pale: 창백한damp: 젖은trembling: 떨리는admitting: 인정하다collapsed: 무너지듯 주저앉았다gasping: 헐떡거리며reassure: 안심시키다support: 지원recovered: 회복했다valuable: 소중한amidst: 가운데discovered: 발견했다future: 미래skies: 하늘experience: 경험genuine: 진정한faintly: 희미하게breathing: 호흡

Andrew and Tom give an update on the market and discuss several earnings reports.Song: That Was A Crazy Game of Poker - O.A.R.For information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

What should investors expect from the U.S. economy next year? What will happen in the equities markets and fixed income markets? On this 2026 Market Outlook episode,  Liz Ann Sonders, Schwab's chief investment strategist, speaks with Kevin Gordon, head of macro research. Liz Ann and Kevin discuss their perspective on the direction of the U.S. economy and stock market. She and Kevin cover the K-shaped recovery, inflation trends, the impact of AI on capital expenditure, and the implications of fiscal stimulus on federal debt.Then, Liz Ann Sonders discusses the equities outlook for 2026, focusing on consumer confidence, the impact of the presidential election cycle, and the potential for volatility. Finally, Kathy Jones is joined by Cooper Howard and Collin Martin for the outlook on municipal bonds, corporate bonds, U.S. Treasuries, and the overall fixed income markets.You can read all of Schwab's 2026 Market Outlook reports on our website:Read Cooper Howard's 2026 Municipal Bond Outlook.Read Collin Martin's 2026 Corporate Credit Outlook.Read Kathy Jones's 2026 Treasury Bonds and Fixed Income Outlook.Read Liz Ann Sonders and Kevin Gordon's 2026 Stocks & Economic Outlook.Read Michelle Gibley's 2026 International Stocks & Economy Outlook.On Investing is an original podcast from Charles Schwab.If you enjoy the show, please leave a rating or review on Apple Podcasts.Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors.Tax-exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax-exempt status (federal and in-state) is obtained from third parties, and Schwab Center for Financial Research does not guarantee its accuracy. Tax-exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guaranteeThere are risks associated with investing in dividend paying stocks, including but not limited to the risk that stocks may reduce or stop paying dividends.Bank loans typically have below investment-grade credit ratings and may be subject to more credit risk, including the risk of nonpayment of principal or interest. Most bank loans have floating coupon rates that are tied to short-term reference rates like the Secured Overnight Financing Rate (SOFR), so substantial increases in interest rates may make it more difficult for issuers to service their debt and cause an increase in loan defaults. A rise in short-term references rates typically result in higher income payments for investors, however. Bank loans are typically secured by collateral posted by the issuer, or guarantees of its affiliates, the value of which may decline and be insufficient to cover repayment of the loan. Many loans are relatively illiquid or are subject to restrictions on resales, have delayed settlement periods, and may be difficult to value. Bank loans are also subject to maturity extension risk and prepayment risk.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively "Bloomberg"). Bloomberg or Bloomberg's licensors own all proprietary rights in the Bloomberg Indices. Neither Bloomberg nor Bloomberg's licensors approves or endorses this material or guarantees the accuracy or completeness of any information herein, or makes any warranty, express or implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.(1225-KGJB) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This conversation explores the transformative potential of Bitcoin in rebuilding trust within financial systems. It discusses the current trust deficit in society, the evolution of credit structures, and how Bitcoin can empower individuals to achieve their dreams without liquidating their assets. The speakers emphasize the need for moral courage to innovate credit products that align with Bitcoin's principles, ultimately envisioning a future where trust is restored through decentralized financial systems.TakeawaysBitcoin is seen as a trust machine that can rebuild trust in financial systems.There is a significant trust deficit in society, particularly regarding institutions and governments.Bitcoin offers a transparent and auditable system that can restore confidence in financial arrangements.The concept of credit is evolving from a credit-based system to a money-based system with Bitcoin.Integrating Bitcoin into credit structures can create better financial products and align interests between borrowers and lenders.Bitcoin's finite nature makes it a better store of value compared to fiat currencies.Using Bitcoin for long-term objectives can empower individuals to achieve their dreams without selling their assets.Moral courage is needed to address the challenges in the current credit space and embrace Bitcoin.Innovative credit products can help individuals leverage their Bitcoin without liquidating it.The future of finance can be built on trust-minimized protocols that align incentives and empower communities.KeywordsBitcoin, trust, finance, credit structures, empowerment, innovation, future, community, economic value, educationChapters00:00 Introduction to the Summit of Summits01:21 Rebuilding Trust in Financial Systems with Bitcoin11:54 Reimagining Credit with Bitcoin20:45 The Future of Bitcoin in Credit Structures29:13 Building Trust in Financial Systems29:58 The Future of Data Centers and Bitcoin Mining

Perseverance is not a long race; it is many short races one after the other. — Walter Elliot Yesterday's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Mastering Heiken-Ashi Candlesticks: Enhancing Stock Charting Techniques." If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Chipmaker Broadcom beat analysts' earnings, revenue, and guidance with results late yesterday following new record-high closes for the DJIA and S&P 500 index. Cyclical names led.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Perseverance is not a long race; it is many short races one after the other. — Walter Elliot Yesterday's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Mastering Heiken-Ashi Candlesticks: Enhancing Stock Charting Techniques." If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Andrew, Ben, and Tom discuss their takeaways from yesterday's Fed meeting and break down Oracle's earnings.Song: I Will Possess Your Heart - Death Cab for CutieFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

“This is 2007, 2008 magnified multiple times over,” warns Mitch Vexler, a commercial real estate developer who has gone forensic on America's crumbling financial foundations. In today's interview, Vexler dismantles the narrative of stability. He details a $23 trillion property overvaluation scheme, a $2 trillion commercial real estate cliff, and trillions in impaired bank loans—all while state auditors and attorneys general, he claims, have turned a blind eye for decades. The money to pay these debts does not exist. Watch the interview to learn more about the 50 major issues proving America is already in a silent depression.✅ FREE RESOURCESDownload The Private Wealth Playbook — a data-backed guide to strategically acquiring gold and silver for maximum protection, privacy, and performance. Plus, get Daniela Cambone's Top 10 Lessons to safeguard your wealth (FREE)

If you give up, you are like everyone else. — Chris Evert Yesterday's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Unveiling Investor Psychology: VPA & Candlesticks." If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Rob Isbitts from Sungarden Investors Club on the S&P 500 sucking up all the air in the room and the top things he's thinking about (0:50). Building a bond ladder (3:10). Playing ETFs on offense and defense (9:00). The last few weeks have seen typical market behavior (26:45).Show Notes:Contrarian Plays And Real Asset Opportunities From Next Gen InvestorsHow To Build A Bond Ladder That Beats The S&P 500 The Rest Of This DecadeEpisode TranscriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Investors will continue to chew over the Fed's latest rate cut along with Broadcom earnings today after the S&P 500 closed just shy of a record high on Wednesday.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Steve explains why we favor Emerging Market bonds in 2026 and why we are more cautious on Developed Market corporate bonds. He also sees top opportunistic ideas, including US inflation-protected bonds, US AAA CLOs and Asia USD investment grade bonds.Read our accompany report to find out more https://www.sc.com/en/uploads/sites/66/content/docs/wm-global-market-outlook-blowing-bubbles-12-dec…Speakers: - Steve Brice, Global Chief Investment Officer, Standard Chartered Bank 

War_Bonds

Andrew, Ben, and Tom discuss the potential outcomes of today's Fed meeting.Song: Pardon Me - IncubusFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

In a world where cash is yielding around 4% and the bond index has lost 0.35% over the last 5 years*... why would you buy bonds instead of sitting on cash? This week we dive into that question and several others from our Mailbag.* Data as of 11/30/2025 via VanguardSend us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Your daily choices create your habits. These habits set your destiny. — Thom Goolsby Yesterday's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Back Away to Really See What's Happening." https://youtu.be/0sU-vJ-xnWg If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textSteven & Derek react to everything from week 14 in the NFL along with the latest news of Philip Rivers return (00:58)-Jeff Kent gets into HOF, while Bonds probably will never get in (14:54)-Raiders lose to Broncos 24-17 & Dave Portnoy wants Pete Carroll investigated for the outcome of the game (36:08)-Was Justin Herbert being a jerk in his postgame interview? (39:54)-With Daniel Jones out for the season...Philip Rivers comes out of retirement(01:02:31)-Did Norte Dame act childish after not making the CFP? (01:05:11)-Quick Hits: Reactions to Week 14 in NFL-Are the Eagles freefalling? Are the Packers becoming contenders? Are the Chiefs done? & much more Support the show

Fluent Fiction - Mandarin Chinese: Healing Bonds: A Winter's Tale of Courage and Friendship Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2025-12-10-08-38-20-zh Story Transcript:Zh: 冬天的峨眉山，被白雪覆盖，静谧而庄严。En: In winter, Emei Mountain is covered with white snow, serene and solemn.Zh: 空气清新，隐约传来僧侣们的诵经声。En: The air is fresh, with the faint sound of monks chanting in the distance.Zh: 灯笼点亮了通往寺庙的小路，为热闹的腊八节增添了几分欢乐的气氛。En: Lanterns light the path to the temple, adding a touch of joy to the bustling Laba Festival.Zh: 晓玲是一名医学院的学生，此次来到峨眉山，暂别繁忙的学业，希望能借此放松心情，庆祝腊八节。En: Xiaoling is a medical student who came to Emei Mountain to take a break from her busy studies, hoping to relax and celebrate the Laba Festival.Zh: 她心中藏着对考试失败的恐惧，却未曾显露。En: She harbors a fear of failing her exams, yet never shows it.Zh: 她的老朋友金海是这里的僧侣，向往内心的宁静与精神的指引。En: Her old friend Jinhai is a monk here, seeking inner peace and spiritual guidance.Zh: 一天，晓玲在寺庙的禅房外，遇见了梅芬。En: One day, Xiaoling met Meifen outside the temple's meditation room.Zh: 梅芬表面上是一个普通的游客，但无人知晓她正在与一种疾病抗争。En: On the surface, Meifen is just an ordinary tourist, but no one knows she is battling an illness.Zh: 她看起来非常疲惫，脸色苍白，这让晓玲感到不安。En: She looked very exhausted, her complexion pale, which made Xiaoling uneasy.Zh: 突然，梅芬倒下了，晓玲慌了神，但也意识到她必须采取行动。En: Suddenly, Meifen collapsed, and Xiaoling panicked, but realized she had to take action.Zh: 她压下心中的恐惧，凭借所学的医学知识为梅芬做紧急处理。En: She suppressed her fear and used her medical knowledge to administer emergency treatment to Meifen.Zh: 金海见此情况，赶来协助。En: Jinhai saw the situation and hurried over to help.Zh: 在这个紧张的时刻，高悬的灯笼闪烁着暖光，笼罩着她们。En: In this tense moment, the lanterns above flickered warmly, enveloping them.Zh: 在金海的稳定帮助下，晓玲为梅芬注射了药物，并采取了简单的急救措施。En: With Jinhai's steady help, Xiaoling administered medication and performed simple first aid.Zh: 很快，梅芬苏醒过来，脸色渐渐恢复，露出了感激的笑容。En: Soon, Meifen regained consciousness, her complexion slowly returning to normal, revealing a grateful smile.Zh: 随后，当夜幕降临，三人在寺庙的斋堂中，同桌分享一碗简单的腊八粥。En: Later, as night fell, the three of them shared a simple bowl of Laba porridge at the temple's dining hall.Zh: 这碗粥承载着各自内心的成长——新生的友谊与深深的感激。En: This bowl of porridge carried within it their own inner growth—newfound friendship and deep gratitude.Zh: 通过这次经历，晓玲找回了对自己医学能力的信心。En: Through this experience, Xiaoling regained her confidence in her medical abilities.Zh: 她意识到，所学的一切都有其价值，唯一需要的便是信任与勇气。En: She realized that everything she learned has its value, and all she needed was trust and courage.Zh: 在这个温暖的节日夜晚，晓玲心中不再有任何怀疑，她知道自己能将所学付诸实践，帮助需要的人。En: On this warm festive night, Xiaoling no longer had any doubts; she knew she could put her knowledge into practice and help those in need. Vocabulary Words:serene: 静谧solemn: 庄严chanting: 诵经声lanterns: 灯笼harbors: 藏着fail: 失败seeking: 向往inner peace: 内心的宁静spiritual guidance: 精神的指引meditation: 禅房ordinary: 普通的tourist: 游客battling: 抗争illness: 疾病exhausted: 疲惫complexion: 脸色uneasy: 不安collapsed: 倒下panicked: 慌了神administer: 做紧急处理emergency treatment: 急救措施tense moment: 紧张的时刻flickered: 闪烁enveloping: 笼罩regained consciousness: 苏醒过来grateful: 感激porridge: 粥confidence: 信心trust: 信任courage: 勇气

“I feel like no one believes in me and that's my approach. I got the underdog mentality and that's what I'll have all my life.” Diego Pavia We headed to Nashville to sit with one of sports' biggest breakout stars who's improbable journey has landed him in the national spotlight and on this episode of The Pivot Podcast, we learn more about one of the most electrifying and unlikely stars in college football today—Diego Pavia. Once an undersized and overlooked kid grinding his way through JUCO ball, Pavia's journey to the national spotlight is nothing short of remarkable as he just etched himself a part of history being named a 2025 Heisman Finalist. He opens up about how he went from fighting for reps at a junior college to becoming the quarterback who completely transformed the culture at Vanderbilt, leading the Commodores to relevance in the SEC and putting the program back on the map. Despite a season worthy of national recognition—and even securing a spot as a Heisman Trophy finalist—Pavia and Vandy were hit with a controversial College Football Playoff snub that sent shockwaves through the sport. Diego talks candidly about the fire that keeps him going, tracing it back to his upbringing, the sacrifices made by his mom, and the constant motivation he draws from his brother. It's a story of grit, doubt, resilience, and belief—proof that heart can take you where pedigree can't. From JUCO fields to SEC stadiums, from being overlooked to becoming a household name, Diego Pavia's rise is one of the most compelling stories in college football—and he shares it all right here on The Pivot. Pivot Family, don't forget to like, comment and hit the subscribe button- we love hearing from you! Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on LPL Market Signals, LPL Research's Chief Equity Strategist, Jeffrey Buchbinder, Chief Technical Strategist, Adam Turnquist, and Chief Fixed Income Strategist, Lawrence Gillum share highlights from Outlook 2026: The Policy Engine. The strategists cover the firm's expectations for stocks, bonds, the U.S. dollar, and key commodities in 2026. Tracking: #834380

Andrew, Ben, and Tom discuss the ensuing Paramount drama, Nvidia's H200 approval to China, and Trump's affordability tour.Song: Shut Your Eyes - Snow PatrolFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

This fireside chat with Micha Kaufman, founder and CEO of Fiverr, hosted by Sean Emory and the Avory team. The discussion covers Fiverr's origin story, its evolution into a leading global freelance marketplace, and the dynamics of its two-sided platform connecting buyers and sellers across nearly 800 service categories. Micha explains how Fiverr has adapted to changing trends, including the rise of AI, and highlights the company's focus on trust, repeat business, and expanding services for both small businesses and large enterprises. The conversation also touches on Fiverr's financial growth, operational strategies, and vision for the future, emphasizing its resilience and leadership in the digital services economy.DisclaimerAvory is an investor in Block.Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors, or our services. While we monitor comments and “likes,” we do not endorse or necessarily share the opinions expressed by site users. Any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please limit posts to industry-related educational information and comments.Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess, our Head of Compliance and Operations, for any further details.

You may have to fight a battle more than once to win it. — Margaret Thatcher Yesterday's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Why Learn to Invest?" https://youtu.be/0NYbdSOQsUA If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Futures trading shows 90% odds of a Fed rate cut tomorrow. Yields rose again Monday, a possible headwind for stocks, while job openings data arrive after the open today.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

12-8 Larry Kreuger joins Papa & Silver to discuss Jeff Kent getting into the Hall of Fame, Bonds being left out again, and the takeaways from the NFC playoff picture after 49ers Bye WeekSee omnystudio.com/listener for privacy information.

Send us a textSarah Kapnick literally trained under John Nash at Princeton, went from structuring catastrophe bonds at Goldman during Hurricane Katrina, to serving as Chief Scientist at NOAA, and is now Global Head of Climate Advisory at JPMorgan. She's part mathematician, part climate scientist, part Wall Street insider – and the godmother of The Wall Street Skinny, the person who first convinced Jen to go into finance. This interview has been two and a half years in the making, and it's easily one of the most full-circle, “how is this one person real?” conversations we've ever had.We get into the math of predicting the future: how fluid dynamics and game theory show up in Black-Scholes, what “1-in-100 year events” actually mean over a 30-year mortgage, and why climate risk isn't a political side quest but a massive driver of returns, insurance pricing, and portfolio construction. Sarah explains cat bonds in plain English, walks through physical vs. transition risk, and connects wildfires, hurricanes, nuclear, fusion, and geothermal to the way capital is being allocated right now. If you care about making or losing money over the next few decades, this is not optional listening.We also talk mentorship, careers, and what it looks like to build a non-linear, insanely high-impact path across science, government, and Wall Street while raising a young family. Sarah shares how she decides when to leave a prestigious job, what she tells the next generation of math and science nerds curious about finance, and how she translates hardcore climate science for CEOs, investors, and ultra-high-net-worth clients. Even if you think “climate isn't for me,” this episode will change how you think about risk, opportunity, and the future.Learn more about 9fin HERE Shop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

A bend in the road is not the end of the road… unless you fail to make the turn. — Helen Keller Yesterday's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Pearson's Law Applied to Your Practice Trading." https://youtu.be/LG0pY8vShG8 If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

This week features a Fed meeting, Broadcom and Oracle results, and job openings data. Yields rose sharply last week, raising concerns. Major indexes approached record highs Friday.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode we answer emails from Adam, Cha Cha, and TJ.  We discuss how cash and short-term bonds affect safe withdrawal rates, why the Golden Butterfly's allocation is a preference not a rule, and how to build a growth-first plan when you're starting late.  And we wish Happy Birthday to Mick the Mugga Mugga.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterMany Happy Returns Podcast Featuring Tyler:  How to Pick Your Perfect Portfolio, with Tyler from Portfolio ChartsCatching Up To FI Podcast:  Financial Independence - Catching up to FIExcess Returns Podcast:  Excess Returns Podcast | Excess Returns Podcasts - Helping Make You a Better InvestorSwedroe Factor Investing Book:  Book Review: Your Complete Guide to Factor-Based Investing | CFA Institute Enterprising InvestorBreathless AI-Bot Summary:Worried your portfolio is heavy on cash but light on purpose? We unpack the real trade-offs behind short-term bonds, money markets, and the Golden Butterfly's famous “comfort cushion,” then show how a few precise tweaks can lift safe withdrawal rates without blowing up your sleep. Listener questions drive the heart of the episode: how much cash is too much, whether VTIP truly hedges better than VGSH, and why cash management rarely changes outcomes even though it feels reassuring.From there we shift to a late-starter's dilemma: chasing 8–10% average returns over a decade without gambling. We get practical about the only two ways to beat the market, why stock-picking “wins” often just mirror factor exposure, and how to use a simple, research-backed pairing—large-cap growth with small-cap value—to seek higher expected returns. We also cover when international tilts help, how currency drives comparisons more than people think, and where bonds, gold, and REITs fit as you move closer to financial independence.Our take is direct and usable: minimize inert cash, diversify for shallower drawdowns, and reserve complexity for places that pay. Build growth while the gap to FI is wide, then add ballast on purpose as you near the goal. If you want a sturdier plan and a quieter mind, this conversation clears the noise and spotlights the levers that matter.Enjoy the show? Follow, rate, and share it with a friend. Send your questions to Frank at RiskParityRadio.com, and if it helped, leave a quick review so more DIY investors can find it.Support the show

If an illness or death befell your parents, spouse, kids, or any other close relative, would you be able to access their financial information and handle their affairs? If something happened to you, would your spouse and family know what to do and where to find everything? If the answer is no – as it is for most people – then Beth Pinsker has a roadmap for you. Beth is a Certified Financial Planner, a columnist for MarketWatch, and the author of My Mother's Money: A Guide to Financial Caregiving. Host Robert Brokamp and Beth discuss the documents you need and where to put them. Also in this episode:-Somber news on the employment front-Bonds are having one of their best years of the past two decades-As rates on cash decline, money market funds still offer compelling yields – and, in some cases, tax benefits-Use tax-loss harvesting to reduce your tax bill and rebalance your portfolio Host: Robert BrokampGuest: Beth PinskerEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices