Podcasts about bonds

Bonds are supposed to be the brakes in a portfolio—but should those brakes be BND, a shorter-term fund, CDs, or a Treasury ladder? Don explains why duration, yield stability, and personal comfort make the answer more nuanced than one ticker.The Friday questions keep coming: pairing AVGE with VT, moving $5 million from real estate into a retirement portfolio, understanding an emerging-markets fund that became legally non-diversified, and building 529s for grandchildren.The final stretch is all planning: Roth conversions and IRMAA, choosing a HELOC over a 401(k) loan, and resisting the urge to let the tax tail wag the retirement dog.00:00 A full inbox of financial questions02:30 BND versus short bonds, CDs, and Treasury ladders06:45 AVGE plus VT—or unnecessary overlap?10:23 Moving $5 million from real estate into markets14:51 When an index fund becomes legally non-diversified18:18 Building 529s and Roth head starts for grandchildren22:16 Roth conversions, RMDs, and IRMAA25:23 HELOC or 401(k) loan for renovations?28:01 The tax tail and a long Roth-conversion planQuestions? Comments? Click!

What are bonds telling us right now about investor confidence & expected inflation?What is oil telling us about the prospects to an end to the Iran-US war?And what are gold prices telling us now that they may have found a bottom?Portfolio manager Michael Lebowitz joined us for a livestream to answer these questions as well as audience Q&A. Watch the replay here.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#bonds #inflation #creditspreads _____________________________________________ 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.All the details on Thoughtful Money's relationship with the financial advisors it endorses, many of whom regularly appear on this program, can be found in the following documents. We highly recommend you review these documents as they cover the terms that will apply should you choose to work with one of these firms at any time after watching this video.Thoughtful Money Disclosure Document: https://thoughtfulmoney.com/wp-content/uploads/2023/12/Thoughtful-Money-Disclosure-Document-12.6.23.pdf?pid=227Thoughtful Money Agreement: https://thoughtfulmoney.com/wp-content/uploads/2024/11/Thoughtful-Money-Agreement-Agreement.docx?pid=227IMPORTANT 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 © 2026 Thoughtful Money LLC. All rights reserved.

Henry VII rebuilt England with a ledger instead of a sword.The myth remembers him as a cautious survivor of the Wars of the Roses — a miser, a tax collector, the kind of king who was nervous about the battlefield. But that's the small version of the story. The real machine ran on parchment, bonds, wool customs, royal seals, and the rolls the sheriffs kept.Henry filled his government with "new men" — administrators he picked for their command of the law and for their loyalty. A body called the Council Learned in the Law took ordinary promises and turned them into debts you could actually enforce. Noble privilege started to become a liability. Loyalty turned into a bill with a seal on it.That was the Tudor revolution. It looked less like a new crown and more like a new collection system. The monarchy stopped waiting around for obedience and started pricing it.Everything Henry VIII did — the break with Rome, the dissolution of the monasteries — was only possible because his father had built a state powerful enough to do it. The founder of the durable political order is almost never the charismatic figure history remembers. It's the accountant.═══════════════════════════════

The kids save a wedding. Blaine recites Shakespeare. Stranded on Catalina Island after the Outbreak, a small group of Adventure Scouts confront the “Infected", testing their mettle and the strength of their friendships. Armed with only determination and their Scout Rules, these preteens navigate the rugged island, discovering the essence of courage and sacrifice in the face of an apocalypse. Bonds are tested, innocence is lost, and the scout motto “Stay Alert, Stay Alive” takes on a whole new, dark significance.WARNING: This miniseries contains distressing scenarios involving children, including graphic violence and gore, as well as underage drinking and use of firearms. Listener discretion is advised.CAST:Beauden Michael McConnell as FranklinJulian Vidaurrazaga as BlaineDillon Wrich as ZachIsabella Burer as RubyRiley Jackson as CarmenMichael Swan as NarratorFull list of cast & crew: https://www.werealive.com/ We're Alive - Scouts Honor was originally released on its own podcast feed in 2024. In case you missed it, this summer 2026 we're sharing We're Alive - Scouts Honor weekly on the We're Alive podcast feed.WE'RE ALIVE: SCOUT'S HONOR, Chapter 4 - “Make a Toast” continues in Part 2, available now!Disclaimer: “We're Alive: Scout's Honor” and all of the events and characters associated with it are a work of fiction. This project is not sponsored or endorsed by Camp Emerald Bay or any other scouting organization. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental. Hosted on Acast. See acast.com/privacy for more information.

Carmen shares her wisdom. Zach learns from the past.Stranded on Catalina Island after the Outbreak, a small group of Adventure Scouts confront the “Infected", testing their mettle and the strength of their friendships. Armed with only determination and their Scout Rules, these preteens navigate the rugged island, discovering the essence of courage and sacrifice in the face of an apocalypse. Bonds are tested, innocence is lost, and the scout motto “Stay Alert, Stay Alive” takes on a whole new, dark significance.WARNING: This miniseries contains distressing scenarios involving children, including graphic violence and gore, as well as underage drinking and use of firearms. Listener discretion is advised.CAST:Beauden Michael McConnell as FranklinJulian Vidaurrazaga as BlaineDillon Wrich as ZachIsabella Burer as RubyRiley Jackson as CarmenBraxton Hale as PierceZach Paul Brown as CurtisShanti Ryle as DelilahMichael Swan as NarratorFull list of cast & crew: https://www.werealive.com/ We're Alive - Scouts Honor was originally released on its own podcast feed in 2024. In case you missed it, this summer 2026 we're sharing We're Alive - Scouts Honor weekly on the We're Alive podcast feed.Join us on July 28th 2026 for Chapter 5 of WE'RE ALIVE: SCOUT'S HONOR - “Lost In the Clouds”Disclaimer: “We're Alive: Scout's Honor” and all of the events and characters associated with it are a work of fiction. This project is not sponsored or endorsed by Camp Emerald Bay or any other scouting organization. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental. Hosted on Acast. See acast.com/privacy for more information.

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The chip market starts the week licking its wounds after a swift descent over the last few days. Earnings from Alphabet and Intel in a few days are the next major keystones. 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 securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Cooper Howard with Charles Schwab sees strength in the economy overall, though he expresses concerns in the labor market. He talks about the signs of weakness he sees and explains how it correlates to a tight inflation picture, along with ways it shapes the Fed's interest rate outlook. Cooper adds color to the picture in how all the macro developments affect the bond market. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Fluent Fiction - Norwegian: Reunion in the Park: Healing Family Bonds Under the Summer Sun Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-07-20-07-38-19-no Story Transcript:No: Solen skinte ned på Vigeland Park en varm sommerdag.En: The sun shone down on Vigeland Park on a warm summer day.No: De grønne plenene, omkranset av ikoniske skulpturer, var et vakkert syn.En: The green lawns, surrounded by iconic sculptures, were a beautiful sight.No: Fuglene kvitret, og lyden av barn som lo fylte luften.En: The birds chirped, and the sound of children laughing filled the air.No: Dette var stedet Astrid hadde valgt for å prøve å samle familien igjen.En: This was the place Astrid had chosen to try to bring the family together again.No: Hun hadde gode minner herfra fra barndommen og håpet at dette kunne vekke varme følelser i familien.En: She had fond memories from childhood here and hoped this could spark warm feelings within the family.No: Astrid satt på et teppe, omgitt av kurver fulle av mat.En: Astrid sat on a blanket, surrounded by baskets full of food.No: Hun pustet dypt og tenkte på den vanskelige reisen som hadde ført til dette øyeblikket.En: She took a deep breath and thought about the difficult journey that had led to this moment.No: Hun hadde alltid beundret Vigeland Park for dens fred og skjønnhet.En: She had always admired Vigeland Park for its peace and beauty.No: Nå ønsket hun at parken skulle hjelpe familien hennes å finne fred.En: Now she wished the park would help her family find peace.No: Lars kom mot henne, tau i hånden.En: Lars approached her, a rope in his hand.No: Han hadde nylig kommet tilbake til Norge etter å ha bodd i utlandet.En: He had recently returned to Norway after living abroad.No: Hans ansikt var alvorlig, noe som ikke overrasket Astrid.En: His face was serious, which didn't surprise Astrid.No: “Tror du virkelig dette vil funke?” spurte han skeptisk.En: “Do you really think this will work?” he asked skeptically.No: Astrid smilte forsiktig.En: Astrid smiled gently.No: “Vi må prøve,” svarte hun.En: “We have to try,” she replied.No: “Det føles riktig å være her.”En: “It feels right to be here.”No: Maren, deres tante, ankom kort tid etter.En: Maren, their aunt, arrived shortly after.No: Hennes ansikt bar preg av nerver.En: Her face showed signs of nerves.No: Det var mange år siden hun hadde sett dem sist.En: It had been many years since she had last seen them.No: Hun hadde vært en viktig del av familien før, men så forsvant hun.En: She had been an important part of the family before, but then she disappeared.No: Maren ønsket nå å rette opp gamle feil.En: Maren now wanted to right her past wrongs.No: De satte seg ned, og etter noen høflighetsfraser fylte de tallerkenene.En: They sat down, and after some polite phrases, they filled their plates.No: Stillheten var trykkende.En: The silence was oppressive.No: Astrid lurte på hvordan hun kunne bryte isen.En: Astrid wondered how she could break the ice.No: Lars satt med armene i kors, stadig skeptisk.En: Lars sat with his arms crossed, still skeptical.No: “Jeg har savnet dette,” sa Maren plutselig.En: “I have missed this,” Maren suddenly said.No: Stemmen hennes var myk men sterk.En: Her voice was soft but strong.No: “Jeg har savnet dere.”En: “I have missed you.”No: Lars stirret på henne, blikket hardt.En: Lars stared at her, his gaze hard.No: “Hvorfor dro du, Maren?En: “Why did you leave, Maren?No: Hvorfor forlot du oss?En: Why did you abandon us?”No: Dette var øyeblikket Astrid hadde fryktet, men visste måtte komme.En: This was the moment Astrid had feared but knew had to come.No: Maren trakk pusten dypt.En: Maren took a deep breath.No: “Jeg dro fordi jeg var redd,” begynte hun.En: “I left because I was scared,” she began.No: “En sykdom.En: “An illness.No: Jeg ville ikke at dere skulle se meg svak.”En: I didn't want you to see me weak.”No: Hun tørket en tåre idet hun snakket.En: She wiped away a tear as she spoke.No: “Jeg var feil.En: “I was wrong.No: Jeg skulle ha vært her.”En: I should have been here.”No: Noe myknet i Lars' ansikt.En: Something softened in Lars's face.No: Smerten i Marens øyne var ekte, og han begynte å forstå.En: The pain in Maren's eyes was real, and he began to understand.No: Han lente seg fremover, mindre rigid.En: He leaned forward, less rigid.No: “Sykdom...” mumlet han, mer til seg selv enn noen andre.En: “Illness...” he muttered, more to himself than anyone else.No: Astrid så på dem begge, håp i øynene.En: Astrid looked at them both, hope in her eyes.No: Kanskje dette var et steg mot forsoning.En: Perhaps this was a step toward reconciliation.No: Samtalen mellom de tre begynte sakte å flyte.En: The conversation among the three slowly began to flow.No: De delte minner, sårbare øyeblikk og forløsende latter.En: They shared memories, vulnerable moments, and freeing laughter.No: Det var som om sommersolen smeltet bort gnisten av gammelt nag.En: It was as if the summer sun melted away the traces of old grudges.No: På slutten av dagen, mens solen begynte å sakte ned mot horisonten, snakket de om fremtiden.En: At the end of the day, as the sun began to set toward the horizon, they talked about the future.No: Astrid og Lars planla nye møter med Maren.En: Astrid and Lars planned new meetings with Maren.No: Det virket som om tiden hadde startet på nytt for dem.En: It seemed as if time had started anew for them.No: Astrid følte en ny forståelse blomstre i henne.En: Astrid felt a new understanding bloom within her.No: Familien, innså hun, var komplisert, men verdt all innsats.En: Family, she realized, was complicated but worth every effort.No: Sammen tok de hverandre i hendene og gikk ut av parken, familien hadde funnet hverandre igjen.En: Together, they took each other's hands and walked out of the park, the family had found each other again.No: Vigeland Park sto der fremdeles, en tidløs vokter av nye begynnelser.En: Vigeland Park still stood there, a timeless guardian of new beginnings. Vocabulary Words:shone: skintewarm: varmplains: plenensurrounded: omkranseticonic: ikoniskesculptures: skulpturersight: synjourney: reisenabroad: utlandetserious: alvorligskeptically: skeptisknerves: nerveroppressive: trykkendeabandon: forlotright: rette oppillness: sykdomrigid: stivreconciliation: forsoninggrudges: naghorizon: horisontenblossom: blomstrecomplicated: komplisertworth: verdtguardian: vokterend: sluttenspark: vekkebreathe: pustetgaze: blikketawkward: klossetevulnerable: sårbare

Fluent Fiction - Mandarin Chinese: Timeless Bonds: A Reunion on the Great Wall Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2026-07-20-22-34-01-zh Story Transcript:Zh: 仲夏的傍晚，长城像一条宏伟的龙，慵懒地蜷卧在苍翠的群山之间。En: In the midsummer evening, the Great Wall of China lay like a magnificent dragon, lazily sprawled between the verdant mountains.Zh: Li Wei站在墙头，眺望远方，心中充满了熟悉的思念。En: Li Wei stood atop the wall, gazing into the distance, his heart filled with a familiar longing.Zh: 时间过去了十年，他从海外返回，正为与老友重聚而激动不已。En: Ten years had passed since he returned from overseas, and he was thrilled at the prospect of reuniting with old friends.Zh: 在他的心里，友谊并没有褪色，然而，时光和距离让Li Wei担心：他和Mei Lin、Jun之间的羁绊是否依旧如初？En: In his heart, friendship had not faded, yet time and distance had made Li Wei worry: were the bonds between him, Mei Lin, and Jun as strong as before?Zh: 夕阳渐渐西沉，橘红色的阳光洒在古老的城砖上，为他们的重聚拉开了序幕。En: The sun gradually set in the west, casting an orange-red glow over the ancient bricks, heralding the beginning of their reunion.Zh: 不久，Li Wei看见Mei Lin和Jun朝自己走来。En: Before long, Li Wei saw Mei Lin and Jun walking towards him.Zh: 两人的脸上满是欢快的笑容。En: Their faces were full of joyful smiles.Zh: 久未见，他们的面容依旧亲切。En: Though it had been a long time, their faces were still familiar.Zh: Li Wei微微紧张，然而那份紧张逐渐在朋友们的笑声中消散。En: Li Wei felt a little nervous, but the tension gradually faded with their laughter.Zh: 三人沿着长城悠然行走，重拾旧时的回忆。En: The three strolled leisurely along the Great Wall, rekindling old memories.Zh: Mei Lin讲起当年一起放风筝的趣事，Jun则回忆起学生时代的冒险故事。En: Mei Lin spoke of fun times flying kites together back in the day, while Jun recalled adventures from their school days.Zh: Li Wei则沉浸在这些回忆中，心里涌现出深深的怀念。En: Li Wei was immersed in these memories, filled with deep nostalgia.Zh: 然而，Li Wei知道，过去的时光已无法重回。En: However, Li Wei understood that the past time could not be revisited.Zh: 他想表达心中的顾虑，却又害怕会影响今晚的气氛。En: He wanted to express his concerns, but feared it would affect the atmosphere of the evening.Zh: 在一个风景如画的观景台，Li Wei决定坦诚自己的心声。En: At a picturesque viewing platform, Li Wei decided to honestly share his feelings.Zh: “我怕……怕我们之间变得陌生，”Li Wei终于开口，声音温柔且略带紧张，“但我真的很想把我们的友谊维持下去，就像以前那样。En: "I'm afraid...afraid we'll become strangers," Li Wei finally spoke, his voice gentle yet slightly nervous, "but I really want to maintain our friendship just like before."Zh: ”Mei Lin用温暖的目光注视着Li Wei，用力拍了拍他的肩膀，“Li Wei，你永远是我们的好朋友。En: Mei Lin looked warmly at Li Wei, giving his shoulder a firm pat, "Li Wei, you'll always be our good friend."Zh: ”Jun也坚定地附和：“是啊，不变的！En: Jun firmly agreed, "Yeah, unchanged!"Zh: ”在这温暖的阳光下，Li Wei心里紧绷的那根弦松了下来。En: In this warm sunlight, the tension in Li Wei eased.Zh: 他感受到一股深厚的情谊从内心涌出，像流淌在长城下的古老泉水，源远流长，永不停歇。En: He felt a deep camaraderie rise from his heart, like the ancient spring flowing beneath the Great Wall, endless and enduring.Zh: 离开长城之际，Li Wei回望那道雄伟的建筑，心里明白：真正的友谊能超越时间与距离。En: As they left the Great Wall, Li Wei glanced back at the majestic structure, realizing that true friendship could transcend time and distance.Zh: 在这次重聚中，Li Wei不仅重新找回了朋友，更收获了对友谊的新理解。En: In this reunion, Li Wei not only rediscovered his friends but also gained a new understanding of friendship.Zh: 当最后一抹阳光隐没在天际，他们三个人携手漫步而去。En: As the last trace of sunlight disappeared over the horizon, the three walked hand in hand.Zh: 这段无言的旅程，属他们，亦是时间对友谊的最好见证。En: This silent journey belonged to them and stood as time's best testament to friendship. Vocabulary Words:midsummer: 仲夏magnificent: 宏伟verdant: 苍翠sprawled: 慵懒地蜷卧gazing: 眺望longing: 思念thrilled: 激动不已reuniting: 重聚bonds: 羁绊heralding: 拉开序幕reunion: 重聚faded: 褪色leisurely: 悠然rekindling: 重拾nostalgia: 怀念pensive: 深思nervous: 紧张tension: 紧绷picturesque: 风景如画concerns: 顾虑camaraderie: 情谊majestic: 雄伟transcend: 超越testament: 见证immerse: 沉浸unchanged: 不变hesitation: 犹豫afraid: 怕firm: 坚定sunlight: 阳光

Bonds Continue to Demonstrate Their Value While much of the attention has centered on stocks, the bond market has quietly delivered strong performance over the past two years. Bonds remain an important component of diversified portfolios because they help reduce risk, generate income, and provide stability during periods of market uncertainty. Since October 19, 2023, the total returns across the 11 major bond indices have been notably strong. That date marked the recent peak in the 10-year Treasury yield, which closed at 4.99%. Since then, Treasury yields have fluctuated significantly, falling to 3.62% in September 2024 before climbing back to approximately 4.5% in July 2026. Even with those fluctuations, today’s yield remains below the 2023 peak. Because bond prices generally move in the opposite direction of yields, declining benchmark yields have supported positive returns across much of the fixed income market. Several bond sectors have produced returns exceeding 20% during this period. Looking ahead, inflation and Federal Reserve policy will continue to play an important role in bond performance. Monitoring these factors will help determine how bonds continue to support clients’ long-term investment strategies. Inflation Shows Encouraging Signs of Normalization The latest Consumer Price Index (CPI) report provided an encouraging surprise. Monthly CPI declined by 0.4%, meaning prices actually fell during the month. This is significant because inflation discussions often focus on prices increasing at a slower rate rather than prices declining outright. Typically, inflation “coming down” simply means prices are still rising, but at a slower pace. This latest report was different. Consumers experienced actual price declines, something not seen on a monthly basis since the COVID era and a relatively rare occurrence over the past decade. Much of the decline was driven by lower gasoline prices following easing energy markets after geopolitical tensions earlier in the summer. Although oil prices have recently moved higher again, they remain well below previous peaks, suggesting that the recent decline may represent what a more normalized energy environment could look like. Perhaps even more encouraging was the strength of consumer spending. Retail sales increased by 0.22% during the same month that prices declined. When adjusted for lower inflation, consumers effectively purchased approximately 0.62% more goods and services than the previous month. This is an important distinction. During periods of rising energy prices, households often spend more filling their gas tanks while reducing purchases elsewhere, a phenomenon economists call demand destruction. Instead, the latest data indicates consumers continued spending across the broader economy while benefiting from lower prices. Although one report does not establish a long-term trend, the combination of falling prices and healthy consumer demand offers a positive glimpse into how the economy could perform as inflation continues to moderate. The outlook remains favorable for consumers, financial markets, and interest rates if this broader normalization continues. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Feeling Richer? first appeared on Fi Plan Partners.

This week on CounterSpin: Protests are ongoing in southern Maine, where Joan Sebastián Durán Guerrero was killed by an ICE agent on July 13. The Maine Monitor says folks are “expressing rage, fear and questions about what occurred.” Protestors also showed up at Houston City Hall, calling out ICE operations there that killed Lorenzo Salgado Araujo. Houston Public Media said: Each speech inside the council chambers was echoed by the raucous chants of dozens of protestors outside who stood for hours during the public comment session, making demands for accountability and transparency. Here in Manhattan's Foley Square, one protester told NY1: “I think it's gone past the point of we need to abolish ICE. I think we need a thorough investigation and, if appropriate, trials, prosecutions.” Said another: “For me, this past week is a reminder that we should all be out here.” Corporate media are narrating this nightmare, but do their, will their questions ever go deep enough to drive actual change? Right now, the focus seems heavy on the notion that we need to “humanize” the victims of racist state violence, rather than challenge the humanity of those who enact it. (Oh, but you'll be happy to know Snopes is on top of the question of whether Joan Sebastián Durán's three-year-old daughter actually saw her father be shot to death by state agents. Don't want to get it twisted.) We talk about ICE murders, and the bigger system that encourages and absolves them, with Lauren Bonds, executive director of the National Police Accountability Project. Plus Janine Jackson takes a quick look at recent press coverage of Lindsey Graham's death and the war on Venezuela.   CounterSpin provides a critical examination of the each week's major news stories, and exposes what the mainstream media may have missed in their own coverage. Produced by the national media watch group FAIR (Fairness and Accuracy In Reporting). The post Lauren Bonds on ICE Murders appeared first on KPFA.

Fluent Fiction - Spanish: Sticky Notes and Unexpected Bonds: A Tale of Office Harmony Find the full episode transcript, vocabulary words, and more:fluentfiction.com/es/episode/2026-07-19-07-38-19-es Story Transcript:Es: En una tienda de suministros de oficina, en una cálida tarde de invierno del hemisferio sur, se desplegaba una escena animada.En: In an office supply store, on a warm winter afternoon in the southern hemisphere, a lively scene unfolded.Es: Los brillantes escaparates reflejaban la luz del sol, mientras personas entraban y salían en busca de los artículos que revolucionarían su jornada laboral.En: The bright storefronts reflected the sunlight as people went in and out searching for items that would revolutionize their workday.Es: Mateo, un gerente de proyectos con un talento innato para la organización, caminaba por la tienda de forma rápida.En: Mateo, a project manager with an innate talent for organization, walked briskly through the store.Es: Su misión era clara: abastecerse de papeles, bolígrafos y todo lo necesario para que su equipo completara el proyecto a tiempo.En: His mission was clear: stock up on paper, pens, and everything needed for his team to complete the project on time.Es: A su lado, Isabela, una diseñadora gráfica conocida por su creatividad y amor por los colores vivos, tenía en mente una sola cosa: encontrar el conjunto perfecto de notas adhesivas coloridas para su próximo diseño.En: Next to him, Isabela, a graphic designer known for her creativity and love for vibrant colors, had only one thing in mind: to find the perfect set of colorful sticky notes for her next design.Es: La tienda estaba llena.En: The store was crowded.Es: Era un día como ningún otro, debido a una promoción especial que había atraído a multitud de compradores.En: It was a day like no other, due to a special promotion that had attracted a multitude of buyers.Es: Las filas serpenteaban por los pasillos, y los estantes, aunque inicialmente bien provistos, comenzaban a vaciarse.En: The lines snaked through the aisles, and the shelves, although initially well-stocked, began to empty.Es: Mateo se detuvo un momento, examinando unas carpetas cuando notó, en el extremo del pasillo, el último paquete de notas adhesivas de colores vibrantes.En: Mateo stopped for a moment, examining some folders when he noticed, at the end of the aisle, the last package of vibrantly colored sticky notes.Es: Su corazón dio un pequeño salto.En: His heart gave a little leap.Es: Justo entonces, Isabela apareció, habiendo visto el mismo paquete.En: Just then, Isabela appeared, having seen the same package.Es: Ambos se encontraron frente a frente, con las notas adhesivas como trofeo deseado entre ellos.En: They both found themselves face to face, with the sticky notes as the desired trophy between them.Es: Isabela, con una sonrisa amigable, dijo: "Parecen perfectas, ¿verdad?".En: Isabela, with a friendly smile, said, "They seem perfect, don't they?"Es: Mateo asintió, recordando lo importante que era para él llegar a tiempo con los suministros.En: Mateo nodded, remembering how important it was for him to stay on schedule with supplies.Es: Pero, en ese momento de pausa, pudo ver en los ojos de Isabela la chispa de inspiración que esos colores le traían.En: But, in that moment of pause, he could see in Isabela's eyes the sparkle of inspiration that those colors brought her.Es: "Sí, son grandiosas," respondió Mateo, "pero creo que tú les sacarás más provecho.En: "Yes, they're great," Mateo replied, "but I think you'll make better use of them.Es: Yo puedo improvisar con lo que ya tengo."En: I can improvise with what I already have."Es: Isabela, sorprendida por el gesto generoso, agradeció sinceramente.En: Isabela, surprised by the generous gesture, sincerely thanked him.Es: "Realmente significan mucho para mi proyecto."En: "They really mean a lot for my project."Es: Ambos rieron con la situación caótica que tenían alrededor, compartiendo un instante de solidaridad en medio del alboroto de la vida de oficina.En: They both laughed at the chaotic situation around them, sharing a moment of solidarity amid the hustle and bustle of office life.Es: Regresaron al trabajo, Isabela con sus notas adhesivas y Mateo con un nuevo aprecio por la espontaneidad.En: They returned to work, Isabela with her sticky notes and Mateo with a new appreciation for spontaneity.Es: Mateo aprendió que a veces, la creatividad podía ser tan esencial como el orden.En: Mateo learned that sometimes, creativity could be as essential as order.Es: Isabela, por su parte, entendió el valor de una planificación cuidadosa y los beneficios de trabajar en equipo.En: Isabela, in turn, understood the value of careful planning and the benefits of teamwork.Es: Así, en el mundo ajetreado y a menudo impersonal de una oficina, nacía una inesperada amistad.En: Thus, in the busy and often impersonal world of an office, an unexpected friendship was born.Es: Una que florecería con la mezcla perfecta de colores vibrantes y la estructura organizada de una inusual pero enriquecedora colaboración.En: One that would flourish with the perfect mix of vibrant colors and the organized structure of an unusual but enriching collaboration. Vocabulary Words:the scene: la escenalively: animadathe storefront: el escaparateto unfold: desplegarseinnate: innatothe aisle: el pasillothe promotion: la promociónto snake: serpentearto stock up: abastecersethe multitude: la multitudto empty: vaciarsethe inspiration: la inspiraciónthe sparkle: la chispavibrant: vibrantethe trophy: el trofeothe gesture: el gestothe spontaneity: la espontaneidadto flourish: florecerenriching: enriquecedorthe structure: la estructurachaotic: caóticothe hustle and bustle: el alborotounexpected: inesperadoto improvise: improvisarcareful: cuidadosothe benefit: el beneficiothe collaboration: la colaboraciónto appreciate: apreciaressential: esencialthe teamwork: el trabajo en equipo

Contrary to the traditional flight-to-safety playbook, bond yields are rising alongside oil prices as war-driven inflation fears overwhelm demand for U.S. Treasuries as a haven asset. We examine why this unusual bond market behavior matters for every investor who holds fixed income, and what it signals about the durability of the post-pandemic rate environment.Today's Stocks & Topics: ZIM Integrated Shipping Services Ltd. (ZIM), Market Wrap, Netflix, Inc. (NFLX), High Deficit on Bond Markets, Financial Planning, War Bonds vs. War Stocks: How Treasuries Are Really Responding to the Iran Conflict, KPP Newsletter, Zions Bancorporation, National Association (ZION), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Newmont Corporation (NEM), Edison International (EIX), Archer-Daniels-Midland Company (ADM), FCC Trying To Change Quarterly Earnings Rules.Advertising Inquiries: https://redcircle.com/brands

Fluent Fiction - Danish: Blossoming Bonds: A Summer Journey in Botany Find the full episode transcript, vocabulary words, and more:fluentfiction.com/da/episode/2026-07-18-22-34-02-da Story Transcript:Da: Sommerens solstråler svømmede over blomsterfarmen, der var fyldt med farverige blomster.En: The summer sunbeams swam over the flower farm, filled with colorful flowers.Da: Det var her, Soren begyndte sit sommerkursus i botanik.En: It was here that Soren began his summer course in botany.Da: Blomsterfarmen var stor og fuld af duftende roser, tulipaner og lavendel.En: The flower farm was large and full of fragrant roses, tulips, and lavender.Da: Søren, en stille og flittig elev, følte sig hjemme mellem planterne.En: Søren, a quiet and diligent student, felt at home among the plants.Da: Han elskede at lære om deres vækst og struktur.En: He loved learning about their growth and structure.Da: Men det sociale var svært for ham.En: But the social aspect was difficult for him.Da: Kirsten, derimod, var altid omringet af latter og samtaler.En: Kirsten, on the other hand, was always surrounded by laughter and conversations.Da: Hun var på kurset for at lære om bæredygtig landbrug, så hun kunne hjælpe sin familie på deres egen gård.En: She was taking the course to learn about sustainable farming so she could help her family on their own farm.Da: Hendes karisma skinnede ligesom sommerens sol, og Soren frygtede, at han ikke kunne finde sin plads i hendes selskab.En: Her charisma shone just like the summer sun, and Soren feared he couldn't find his place in her company.Da: Den første dag stod Soren på kanten af en gruppe, da underviseren præsenterede et gruppearbejde.En: On the first day, Soren stood on the edge of a group as the instructor presented a group project.Da: "Partnere," sagde han.En: "Partners," he said.Da: Søren kiggede rundt og så Kirstens smil.En: Søren looked around and saw Kirsten's smile.Da: Måske kunne han finde modet til at spørge hende.En: Perhaps he could find the courage to ask her.Da: Han tog en dyb indånding, tog skridtet frem og sagde: "Kirsten, vil du arbejde sammen med mig?"En: He took a deep breath, stepped forward, and said, "Kirsten, would you like to work with me?"Da: Kirsten nikkede glad.En: Kirsten nodded happily.Da: "Det vil jeg gerne, Soren!"En: "I'd love to, Soren!"Da: De begyndte deres projekt sammen, men Soren fandt det svært at åbne op.En: They began their project together, but Soren found it difficult to open up.Da: En dag, på en ekskursion for at samle prøver, trak sorte skyer sig over himlen.En: One day, on an excursion to gather samples, dark clouds gathered over the sky.Da: Kornet regn begyndte at falde.En: Grainy rain began to fall.Da: Gruppen søgte ly under en stor eg.En: The group sought shelter under a large oak tree.Da: Soren og Kirsten arbejdede tæt sammen for at sikre deres prøver mod regnen.En: Soren and Kirsten worked closely together to protect their samples from the rain.Da: Kirsten grinede.En: Kirsten laughed.Da: "Se, vi har brug for hinandens hjælp!"En: "See, we need each other's help!"Da: I det øjeblik indså Soren, at Kirstens åbne natur kunne være en styrke, ikke en trussel.En: In that moment, Soren realized that Kirsten's open nature could be a strength, not a threat.Da: Han begyndte at dele sine egne ideer og viden, og sammen kreerede de et projekt, der var unikt og gennemtænkt.En: He began to share his own ideas and knowledge, and together they created a project that was unique and well thought out.Da: Endelig, på kursets afslutning, præsenterede de deres arbejde.En: Finally, at the end of the course, they presented their work.Da: De talte om bæredygtige metoder og den langtidsvirkning, det kunne have for landbrug.En: They talked about sustainable methods and the long-term impact they could have on agriculture.Da: Underviseren roste Soren for hans dybdegående viden og Kirsten for hendes kreativitet.En: The instructor praised Soren for his in-depth knowledge and Kirsten for her creativity.Da: Soren var stolt.En: Soren was proud.Da: Han havde opnået sin drøm om at udmærke sig på kurset.En: He had achieved his dream of excelling in the course.Da: Men vigtigere, han fandt ud af, at hans passion for planter kunne bygge broer til andre mennesker.En: But more importantly, he discovered that his passion for plants could build bridges to other people.Da: Han følte sig ikke længere alene blandt mennesker.En: He no longer felt alone among people.Da: Kirsten og han gik videre fra kurset som venner, klar til nye eventyr i hver deres retning.En: Kirsten and he moved on from the course as friends, ready for new adventures in their respective directions.Da: Som sommeren gled over i sensommer, var Soren klarere over, at hans fremtid var fyldt med blomster, både i hans studie og i de relationer, han kunne skabe.En: As summer slipped into late summer, Soren was clearer that his future was filled with flowers, both in his studies and in the relationships he could create. Vocabulary Words:sunbeams: solstrålerfragrant: duftendediligent: flittigsustainable: bæredygtigcharisma: karismacourage: modexcursion: ekskursiongrainy: kornetshelter: lystrength: styrkethreat: trusselunique: uniktin-depth: dybdegåendepraised: rostepassion: passionbridges: broeradventures: eventyrrespective: respektiveslipped: gledfilled: fyldtbotany: botanikaspect: aspektlaughter: latterconversations: samtalerpresented: præsenteredepartners: partnerebreathtaking: dyb indåndingproject: projektstructure: strukturknowledge: viden

Fluent Fiction - Swedish: Midsummer's Revelations: Strength in Storms and Bonds Find the full episode transcript, vocabulary words, and more:fluentfiction.com/sv/episode/2026-07-18-22-34-02-sv Story Transcript:Sv: Blomstergirlander hängde över borden, och ljusa björkar reste sig som stolta vakter vid Sigtunasjöns strand.En: Flower garlands hung over the tables, and bright birches stood like proud guards by Sigtuna Lake's shore.Sv: Elin såg ut över den glittrande vattenytan medan hon ordnade de sista förberedelserna för Midsommarfirandet.En: Elin looked out over the sparkling water surface as she arranged the final preparations for the Midsummer celebration.Sv: På marken bildade blomsterkransar en färgglad stig, och i luften fanns doften av nybakad jordgubbstårta och nyskördade potatisar.En: On the ground, flower wreaths formed a colorful path, and in the air was the scent of freshly baked strawberry cake and freshly harvested potatoes.Sv: Elin älskade Midsommar.En: Elin loved Midsummer.Sv: Det var en tid för gemenskap och glädje.En: It was a time for community and joy.Sv: Men den här gången hade hon ett särskilt mål.En: But this time she had a special goal.Sv: Hon ville återförenas med sin bror Nils.En: She wanted to reunite with her brother Nils.Sv: Även om de alltid hade varit nära kunde hon känna en osynlig barriär mellan dem.En: Even though they had always been close, she could feel an invisible barrier between them.Sv: Vid sin sida hade hon Sofie, sin eviga vän vars plötsliga återkomst gett henne blandade känslor.En: By her side was Sofie, her eternal friend whose sudden return brought her mixed feelings.Sv: Himlen blev allt mörkare.En: The sky grew darker.Sv: Tunga moln började rulla över sjöns horisont.En: Heavy clouds began to roll over the lake's horizon.Sv: Elin såg oroat uppåt.En: Elin looked up worriedly.Sv: De hade inte räknat med regn.En: They hadn't counted on rain.Sv: Folk började snegla mot himlen och deras skratt dämpades något.En: People started glancing at the sky, and their laughter was somewhat muted.Sv: Elin behövde fatta ett beslut och snabbt.En: Elin needed to make a decision and quickly.Sv: ”Vi kan flytta allt till bystugan,” sa Nils, plötsligt ställd vid hennes sida.En: “We can move everything to the village cottage,” said Nils, suddenly by her side.Sv: Hans leende kämpade mot ovädret.En: His smile battled against the storm.Sv: Elin nickade, tacksam för hans stöd.En: Elin nodded, grateful for his support.Sv: Tillsammans med gästerna bar de in alla dekorationer och mat i skydd från stormen.En: Together with the guests, they carried in all the decorations and food for protection from the storm.Sv: Inne i den mysiga stugan fylldes rummen snabbt av värme och vänskap.En: Inside the cozy cottage, the rooms quickly filled with warmth and friendship.Sv: Ljuset från levande ljus speglade sig i fönstren medan regnet smattrade mot rutan.En: The light from candles reflected in the windows while the rain pattered against the glass.Sv: Plötsligt tog Sofie till orda.En: Suddenly, Sofie spoke up.Sv: "Jag har en nyhet," sa hon, och fick allas uppmärksamhet.En: "I have some news," she said, getting everyone's attention.Sv: Elin stirrade på sin vän.En: Elin stared at her friend.Sv: Sofie andades djupt.En: Sofie took a deep breath.Sv: ”Jag tänker stanna här i Sigtuna.En: “I am thinking about staying here in Sigtuna.Sv: Jag är trött på att resa hela tiden.” Nyheten var både överraskande och välkomnande.En: I'm tired of traveling all the time.” The news was both surprising and welcoming.Sv: Elin kände en våg av glädje men också ett stänk av oro.En: Elin felt a wave of joy but also a tinge of worry.Sv: Förändring kunde ibland vara svår.En: Change could sometimes be difficult.Sv: Utanför blixtrade himlen till, och Nils tog chansen att tala.En: Outside, the sky flashed, and Nils took the chance to speak.Sv: "Elin, vi måste prata," sa han.En: "Elin, we need to talk," he said.Sv: Deras blickar möttes i skenet från blixten.En: Their gazes met in the flash of lightning.Sv: ”Jag har alltid beundrat hur du bär allting med stil.En: “I have always admired how you handle everything with poise.Sv: Men ibland känner jag mig som en besvikelse.” Elin tog ett djupt andetag.En: But sometimes I feel like a disappointment.” Elin took a deep breath.Sv: ”Nils, du är ingen besvikelse.En: “Nils, you are not a disappointment.Sv: Du är ljuset i mitt liv.” Hon kände hur orden helt enkelt föll på plats.En: You are the light in my life.” She felt how the words simply fell into place.Sv: De talade om gamla minnen och delade tårar blandat med skratt.En: They talked about old memories and shared tears mixed with laughter.Sv: Midsommarnatten blev en tid för sanningar och ny förståelse.En: Midsummer night became a time for truths and new understanding.Sv: När stormen bedarrade och festen återupptogs under stjärnor och blomster girlander, kände Elin en ny frihet.En: When the storm subsided and the celebration resumed under stars and flower garlands, Elin felt a new freedom.Sv: Hon hade mött stormen, både den på himlen och den inom hennes hjärta.En: She had faced the storm, both in the sky and within her heart.Sv: Och medan musiken och dansen fyllde natten visste hon att att styrkan låg i modet att möta förändringar och att hålla de hon älskade nära.En: And as the music and dance filled the night, she knew that the strength lay in the courage to face changes and to keep those she loved close. Vocabulary Words:garlands: girlanderbirches: björkarpreparations: förberedelsersparkling: glittrandeharvested: skördadereunite: återförenasinvisible: osynligbarrier: barriäreternal: evigamixed: blandadesudden: plötsligahorizon: horisontlaughed: skrattmuted: dämpadebattled: kämpadecozy: mysigareflect: speglapatter: smattrawelcoming: välkomnandetinge: stänkflashed: blixtradepoise: stildisappointment: besvikelsememories: minnenunderstanding: förståelsesubside: bedarraresume: återupptacourage: modchanges: förändringarfreedom: frihet

Prior Session's Trade Execution Summary Grid: Shallow men believe in luck. Strong men believe in cause and effect. -- Ralph Waldo Emerson 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: "Success Multiplier Formula." 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's Lagniappe podcast explores a market that continues to trade in a holding pattern. Greg and Doug discuss why easing inflation has helped calm markets, how strong bank earnings are setting an optimistic tone, and why small- and mid-cap stocks continue to outperform as demand for AI infrastructure fuels growth across the broader economy. The guys also recap an exciting FIFA World Cup semifinal round and preview Sunday's Argentina-Spain final. They close by discussing rising bond yields, what current betting markets suggest about the 2026 U.S. midterm elections, and why reducing political uncertainty could become an important catalyst for markets later this year. Key Takeaways [0:17] – Markets Remain in a Holding Pattern [1:57] – Iran, Oil Prices & Market Volatility [3:44] – Earnings Season Begins [5:00] – Why Small- & Mid-Cap Stocks Are Leading [8:34] – World Cup Semifinals Recap [11:07] – Bonds, Interest Rates & Inflation [13:45] – Midterm Elections & Betting Markets View Transcript Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies referenced in our blogs/podcasts) or any other investment and/or non-investment-related content or services will be profitable, equal any historical performance level(s), be suitable or appropriate for a reader/listener's individual situation, or prove successful. Moreover, no portion of the blog/podcast content should be construed as a substitute for individual advice or services from the financial professional(s) of a reader/listener's choosing, including Stokes Family, LLC, a registered investment adviser with the SEC, with which the blogger/podcasters are affiliated.

The Department of Interior is proposing changes to oil and gas leasing rules in the name of “unleashing energy.” Environmental groups say these changes threaten environmental protections and limit public input.

Consumer sentiment and housing data loom as investors digest a disappointing outlook from Netflix. Geopolitical worries could keep markets volatile after chips dove Thursday. 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 {securities, investment products and 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. For illustrative purpose(s) only. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. 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. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A little band of convicts have just been released, and are now getting back together to find their hidden loot. When a problem develops, the female gang member goes to…

Prior Session's Trade Execution Summary Grid: Shallow men believe in luck. Strong men believe in cause and effect. -- Ralph Waldo Emerson 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: "Success Multiplier Formula." 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.

Source SheetsThis shiur was given at the annual Yemei Iyyun beTanakh at Michlelet Herzog on July 14, 2026. Given in honor of the forthcoming marriage of our son, Yoseph Tzvi to Chaya Esther Friedman

Prior Session's Trade Execution Summary Grid: Knowledge is the small picture. Wisdom is the large one. — Thom Goolsby 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: "The Always Winning Strategy." 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.

Today brings earnings from chip foundry giant TSM and Netflix, while data includes retail sales and jobless claims. Chips continue to whipsaw, but stocks are up so far this week. 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 {securities, investment products and 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. For illustrative purpose(s) only. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. 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 seeschwab.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. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Mandarin Chinese: Rainy Reunions: Rediscovering Bonds at Jiangpan Chun Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2026-07-16-07-38-19-zh Story Transcript:Zh: 夜幕降临，柳絮飘飞，老街上的茶馆灯火通明。En: As night fell, cotton-like willow catkins floated through the air, and the tea house on the old street was brightly lit.Zh: 茶馆名为“江畔春”，坐落在一条缓缓而流的河边，河岸上停满了五颜六色的龙舟。En: The tea house, named Jiangpan Chun, was situated beside a slowly flowing river, whose banks were lined with colorful dragon boats.Zh: 这是一家传统的茶馆，木雕细腻，幽香扑鼻，老是热闹非凡。En: This was a traditional tea house, with intricate wood carvings and an inviting fragrance that always ensured a lively atmosphere.Zh: 人们在这里享受茶香，也享受彼此的陪伴。En: People came here to enjoy the aroma of tea and the company of others.Zh: 说到茶馆，“江畔春”是一个神奇的地方。En: Speaking of the tea house, Jiangpan Chun was a magical place.Zh: 总是让人忘记外面的繁忙。En: It always made people forget the busyness outside.Zh: 今天，茶馆的角落坐着三个形同陌生的老朋友：丽华、振、和美琳。En: Today, in a corner of the tea house, sat three old friends who seemed like strangers: Li Hua, Zhen, and Mei Lin.Zh: 丽华是一个成功的市场经理，工作繁忙却常感心灵缺乏归属。En: Li Hua was a successful marketing manager, busy with work but often feeling a lack of belonging in her heart.Zh: 她希望找回那种年少轻狂的无忧时光。En: She hoped to reclaim the carefree, reckless youth.Zh: 而振，他是个放荡不羁的音乐人，热衷自由，偶尔为生计发愁。En: As for Zhen, he was an unrestrained musician, passionate about freedom, but occasionally worried about making a living.Zh: 美琳选择稳定的教育事业，虽然安稳，却有时疑惑生活是否仅仅如此。En: Mei Lin chose a stable career in education, though secure, sometimes questioning if life was just this.Zh: 此刻，正值夏天的龙舟节，三人已经很久没一起过节了。En: At that moment, during the summer Dragon Boat Festival, it had been a long time since the three had spent the festival together.Zh: 街道上，龙舟的鼓声伴随欢呼声，震耳欲聋。En: On the street, the sound of drums from the dragon boats accompanied by cheers was deafening.Zh: 丽华原计划加班，但内心悸动，决定偷得浮生一日闲，与朋友们渡过节日。En: Li Hua originally planned to work overtime, but her heart was stirred, and she decided to steal a moment of leisure from her busy life to spend the festival with her friends.Zh: 不久，天空突然乌云密布，倾盆大雨竟然说来就来。En: Soon, the sky suddenly filled with dark clouds, and a torrential rain came out of nowhere.Zh: 三人匆忙进茶馆避雨，捧着热茶，不自觉地开始怀旧。En: The three hurried into the tea house to take shelter from the rain, sipping hot tea, and unconsciously began to reminisce.Zh: 曾几何时，他们也在河边嬉戏，畅想着未来，如今却各奔东西。En: Once upon a time, they also played by the river, dreaming of the future, but now they each pursued their separate paths.Zh: “小时候，我们总嫌生活太慢，但那就是无忧无虑的美好时光。”丽华轻声感叹。En: “When we were children, we always complained life was too slow, but those were carefree, beautiful times,” Li Hua softly sighed.Zh: “是啊，有时候自由比成功更珍贵，”振随和地说道，“我一直追求简单的快乐。”En: “Yeah, sometimes freedom is more precious than success,” Zhen said casually, “I've always pursued simple happiness.”Zh: 美琳微笑，虽然教学繁忙，却心满意足。En: Mei Lin smiled, busy with teaching yet satisfied.Zh: “也许生活的意义，不在于追逐，而在于享受每一刻。”En: “Perhaps the meaning of life isn't in the pursuit, but in enjoying every moment.”Zh: 聊到尽兴，窗外的雨渐渐停歇，阳光又洒满大地。En: The conversation became delightful, and as the rain outside gradually ceased, sunlight once again bathed the earth.Zh: 三人走到河边，看着龙舟在河上飞驰，鼓声如雷鸣。En: The three walked to the riverbank, watching the dragon boats race on the river, the sound of drums like thunder.Zh: 他们重拾过去的友情，也找到内心深处的宁静。En: They rediscovered their past friendship and found peace deep within their hearts.Zh: 丽华顿悟：无论事业如何重要，人与人的连接才是生活的本质。En: Li Hua had an epiphany: No matter how important a career is, the connections between people are the true essence of life.Zh: 她决定，未来要留更多时间给内心的渴望，与朋友分享更多的快乐时光。En: She decided that in the future, she would leave more time for her inner desires and share more joyful times with her friends.Zh: 在茶香与细雨中，江畔春见证了这份珍贵的重聚。En: In the aroma of tea and the light rain, Jiangpan Chun bore witness to this precious reunion.Zh: 三人的背影融入节日的欢腾中，心中却多了一份久违的满足与平和。En: The silhouettes of the three blended into the festival's jubilation, yet their hearts were filled with a long-lost sense of satisfaction and peace. Vocabulary Words:catkins: 柳絮intricate: 细腻carvings: 雕inviting: 扑鼻lively: 热闹magical: 神奇unrestrained: 放荡不羁epiphany: 顿悟reminisce: 怀旧torrential: 倾盆leisure: 闲reclaim: 找回carefree: 无忧reckless: 轻狂precious: 珍贵jubilation: 欢腾satisfaction: 满足reunion: 重聚essence: 本质fragrance: 茶香banks: 河岸pursue: 追逐pursuit: 追求unconsciously: 不自觉companionship: 陪伴secure: 安稳drums: 鼓声flooded: 洒满ombrance: 悸动harmony: 平和

Debbie Monterrey visits with Girls INC St Louis President & CEO Cheryl Jones. The 'Girls Leading Change' National Summit is in St Louis this week. 250 girls are in town from across the US and Canada.

In this mid-year outlook episode of Facts vs Feelings, Ryan Detrick, Chief Market Strategist at Carson Group, and Sonu Varghese, Chief Macro Strategist at Carson Group, revisit their 2026 forecast and explain why they've raised their S&P 500 target from 12-15% to 15-18% for the year, while holding bonds steady at 3-5%. They walk through how AI capex has become a macroeconomic story as much as a market one, contributing roughly 90 basis points per quarter to real GDP growth, and why hyperscaler spending plans for 2026 and 2027 keep getting revised sharply higher.The conversation covers the labor market's quiet resilience, why business creation data suggests confidence rather than desperation, an inflation picture that isn't going away despite market expectations for Fed rate hikes, and a sector rotation story where former "value" stocks like Micron have become momentum plays almost overnight. Ryan and Sonu also dig into earnings estimate revisions, midterm-year volatility patterns, diversifiers like gold and managed futures, and swap stories from their World Cup travels before previewing next week's guest.[Key Takeaways]Carson raised its 2026 S&P 500 target from 12-15% to 15-18% at the midpoint of the year, with the index already up 11% total return year-to-date; bonds remain forecast at 3-5%.AI-related hardware and software investment (excluding data centers) has contributed about 45% of real GDP growth over the last five quarters, roughly 90 basis points per quarter.Hyperscaler capex estimates keep climbing: the five largest tech spenders were projected to spend $470 billion in 2026 back in November; that figure is now $740 billion, with 2027 estimates rising from $530 billion to nearly $900 billion.S&P 500 2026 EPS estimates have risen from $308 to $339 a share (up 10%) since the start of the year, with 2027 estimates up 12%, led by technology, energy, and materials.The labor market shows underlying strength despite headline softness, with unemployment at 4.2%, average payroll growth around 110,000 a month, and falling continuing claims.Inflation remains sticky due to incomplete tariff pass-through, reshoring-related cost increases, and rising computer/software prices, a reversal from the deflationary tech trends of the 1990s.Jump to:0:00 - Welcome And The Midyear Setup1:45 - Why We Raised The Stock Target5:38 - AI Spending Shows Up In GDP9:44 - The Consumer Looks Better Than Feels14:20 - Business Creation As A Confidence Signal17:08 - The Real Leaders Inside “Tech”18:53 - Earnings Keep Getting Revised Higher27:03 - The Inflation Problem Isn't Gone31:06 - The Fed Pause Versus Hike Pricing35:00 - Second-Half Equity Playbook And Rotation42:19 - Volatility, Breadth, And Midterm Patterns49:06 - Bonds, Oil Headlines, Gold, Diversifiers52:55 - World Cup Travel Notes And Wrap-Up57:08 - DisclosuresConnect with Ryan:• LinkedIn: https://www.linkedin.com/in/ryandetrick/• X: https://x.com/RyanDetrickConnect with Sonu:• LinkedIn: https://www.linkedin.com/in/sonu-varghese-phd/• X: https://x.com/sonusvarghese?lang=enQuestions about the show? We'd love to hear from you! factsvsfeelings@carsongroup.com

Prior Session's Trade Execution Summary Grid: Never overlook the power of simplicity. — Robin S. Sharma 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: "Maximize Success with ATR." 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.

With the main surge of bank earnings over, investors face Morgan Stanley today along with chip infrastructure firm ASML. PPI follows a light CPI and Warsh continues testimony. 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 {securities, investment products and 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. For illustrative purpose(s) only. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. 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 seeschwab.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. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Danish: Arctic Bonds: How Passion and Data Unite in Climate Exploration Find the full episode transcript, vocabulary words, and more:fluentfiction.com/da/episode/2026-07-15-22-34-02-da Story Transcript:Da: Det var en sommerdag i Grønland.En: It was a summer day in Grønland.Da: Solen skinnede uafbrudt over det arktiske landskab.En: The sun shone continuously over the arctic landscape.Da: På forskningsstationen, midt i den vidtstrakte tundra, arbejdede Kasper og Signe.En: At the research station, in the middle of the vast tundra, Kasper and Signe were working.Da: Kasper var en dygtig miljøforsker.En: Kasper was a skilled environmental researcher.Da: Han fokuserede på klimaforandringer.En: He focused on climate changes.Da: Signe, derimod, var marinbiolog.En: Signe, on the other hand, was a marine biologist.Da: Hun elskede Arktis' økosystemer og ville forstå havets dyreliv.En: She loved the Arctic's ecosystems and wanted to understand the ocean's wildlife.Da: Det var første gang de arbejdede sammen.En: It was the first time they worked together.Da: Kasper var skeptisk over for Signes tilgang.En: Kasper was skeptical of Signe's approach.Da: Hun var meget følelsesladet omkring sit arbejde.En: She was very emotional about her work.Da: Kasper stolede mere på data og fakta.En: Kasper trusted more in data and facts.Da: Dagen startede tidligt.En: The day started early.Da: De skulle ud på en ekspedition.En: They were going on an expedition.Da: Det var vigtigt at samle nok data.En: It was important to collect enough data.Da: Vejret kunne hurtigt ændre sig, og tiden var knap.En: The weather could change quickly, and time was scarce.Da: Men Kasper indså, at Signe var dygtig.En: But Kasper realized that Signe was skilled.Da: Hendes kærlighed til naturen var smittende.En: Her love for nature was infectious.Da: Under deres tur stødte de på en usædvanlig flok hvaler.En: During their trip, they encountered an unusual pod of whales.Da: Signe strålede af glæde.En: Signe beamed with joy.Da: Hun bad Kasper om hjælp til at observere dem.En: She asked Kasper for help to observe them.Da: Kasper tøvede først.En: Kasper hesitated at first.Da: Men han så, hvor vigtige disse øjeblikke var for hende.En: But he saw how important these moments were to her.Da: Han besluttede at hjælpe.En: He decided to help.Da: De arbejdede tæt sammen.En: They worked closely together.Da: Kasper begyndte at forstå Signes synspunkt.En: Kasper began to understand Signe's viewpoint.Da: Han kunne se værdien i hendes engagement.En: He could see the value in her commitment.Da: Men pludselig ændrede vejret sig.En: But suddenly the weather changed.Da: En voldsom arktisk storm nærmede sig.En: A fierce arctic storm approached.Da: Kasper og Signe skulle skynde sig tilbage.En: Kasper and Signe had to hurry back.Da: De måtte sikre deres udstyr og data.En: They had to secure their equipment and data.Da: Det var en intens situation.En: It was an intense situation.Da: Sammen arbejdede de hurtigere end nogensinde.En: Together they worked faster than ever.Da: Efter stormen, da roen vendte tilbage, følte de begge lettelse.En: After the storm, when calm returned, they both felt relieved.Da: Dataene var intakte.En: The data was intact.Da: De havde klaret det som et team.En: They had managed as a team.Da: Kasper så på Signe.En: Kasper looked at Signe.Da: Han indså, hvor stærkt deres partnerskab var blevet.En: He realized how strong their partnership had become.Da: Hans tilgang til forskning ændrede sig.En: His approach to research changed.Da: Han lærte at værdsætte Signes passion.En: He learned to appreciate Signe's passion.Da: Signe lærte også noget nyt.En: Signe also learned something new.Da: Hun forstod, hvordan hård data kunne være vigtig i klimakampen.En: She understood how hard data could be important in the climate fight.Da: De stod sammen, mens solen stadig lyste over isen.En: They stood together while the sun still shone over the ice.Da: Arktis var barskt, men også smukt.En: The Arctic was harsh but also beautiful.Da: Ligesom deres mission.En: Like their mission.Da: De vidste, at de kunne opnå meget – sammen.En: They knew they could achieve much—together. Vocabulary Words:continuously: uafbrudtlandscape: landskabresearch station: forskningsstationvast: vidtstrakteenvironmental: miljøclimate changes: klimaforandringerecosystems: økosystemerwildlife: dyrelivskeptical: skeptiskemotional: følelsesladetexpedition: ekspeditionscarce: knapinfectious: smittendeunusual: usædvanligpod: flokwhales: hvalerfierce: voldsomstorm: stormsecure: sikreequipment: udstyrintense: intensrelieved: lettelsepartnership: partnerskabcommitment: engagementharsh: barskappreciate: værdsætteapproach: tilgangvalue: værdipassion: passionachieve: opnå

"I've got an annuity… or do I have an annuity? Wait, I'm a federal annuitant — what does that even mean?" Did you think being a FERS annuitant and having an annuity were the same thing? Drop a Y or N below

Fluent Fiction - Swedish: Tundra Bonds: A Glaciologist's Choice Under Arctic Skies Find the full episode transcript, vocabulary words, and more:fluentfiction.com/sv/episode/2026-07-15-07-38-20-sv Story Transcript:Sv: Den arktiska tundran bredde ut sig som ett vitt täcke under midnattssolens milda ljus.En: The Arctic tundra spread out like a white blanket under the gentle light of the midnight sun.Sv: Lars, Elin och Nils stod vid kanten av den imponerande glaciären.En: Lars, Elin, and Nils stood at the edge of the impressive glacier.Sv: Här, bland skummande isfält och skimrande formationer, pågick deras forskningsresa.En: Here, among the frothy ice fields and shimmering formations, their research journey was underway.Sv: Som en passionerad glaciolog drömde Lars om att göra en upptäckt som skulle förändra hans karriär.En: As a passionate glaciologist, Lars dreamed of making a discovery that would change his career.Sv: Elin, vars kärlek till Lars aldrig sviktat, översatte hans vetenskapliga fynd till historier för dem hon älskade.En: Elin, whose love for Lars had never wavered, translated his scientific findings into stories for those she loved.Sv: Hennes hopp var att hålla familjen trygg, men den arktiska sommaren var förrädisk.En: Her hope was to keep the family safe, but the Arctic summer was treacherous.Sv: Nils, deras nyfikna son, såg resan som ett äventyr.En: Nils, their curious son, saw the journey as an adventure.Sv: Hans ögon glittrade av spänning medan han föreställde sig de historier han skulle berätta för sina vänner.En: His eyes sparkled with excitement as he imagined the stories he would tell his friends.Sv: De började sin vandring över glaciären en kylig morgon.En: They began their trek across the glacier on a chilly morning.Sv: Solen hängde lågt, målande himlen i pastellfärger.En: The sun hung low, painting the sky in pastel colors.Sv: Men tundrans skönhet var bedräglig.En: But the beauty of the tundra was deceptive.Sv: Plötsligt började himlen mulna, och vinden ökade i styrka.En: Suddenly the sky began to cloud over, and the wind gained strength.Sv: Snart virvlade snö runt omkring dem, och sikten gick förlorad i stormen.En: Soon snow swirled around them, and visibility was lost in the storm.Sv: Lars märkte en märklig geologisk formation – en upptäckt som kunde bli hans genombrott.En: Lars noticed a strange geological formation—a discovery that could be his breakthrough.Sv: Men när han vände sig för att dela nyheten med Elin och Nils, var de borta.En: But as he turned to share the news with Elin and Nils, they were gone.Sv: Hjärtat slog hårt i bröstet.En: His heart pounded in his chest.Sv: Vart hade de tagit vägen?En: Where had they gone?Sv: Mitt i oron kämpade Lars med ett svårt beslut: hans livs arbete eller hans familjs säkerhet.En: Amidst his worry, Lars wrestled with a difficult decision: his life's work or his family's safety.Sv: Snöstormen tjöt omkring honom, och han kände isens kyla nå ända in i märgen.En: The snowstorm howled around him, and he felt the icy chill reach deep into his core.Sv: Med beslutsamhet valde han familjen.En: With determination, he chose his family.Sv: Han ropade deras namn i den vinande vinden och kämpade sig fram genom den svepande vita världen.En: He called their names into the whistling wind and fought his way through the sweeping white world.Sv: "Elin!En: "Elin!Sv: Nils!"En: Nils!"Sv: ekade hans rop i tystnaden.En: his shouts echoed in the silence.Sv: Efter vad som kändes som timmar, hörde han ett svagt svar.En: After what felt like hours, he heard a faint reply.Sv: Där, inte långt borta, såg han Elin och Nils.En: There, not far away, he saw Elin and Nils.Sv: De hade tagit skydd vid en isgrotta.En: They had taken shelter by an ice cave.Sv: Lättnad flödade genom honom när de föll i varandras armar.En: Relief washed over him as they fell into each other's arms.Sv: Tillsammans väntade de ut stormen i grottans skydd.En: Together, they waited out the storm in the cave's shelter.Sv: När ovädret lagt sig, stod de återigen på den stora vita vidderna, men nu med ett nytt perspektiv.En: When the weather subsided, they stood again on the vast white expanses, but now with a new perspective.Sv: De återvände hem utan vetenskapliga utmärkelser, men rikare på djupare band och gemensamma minnen.En: They returned home without scientific accolades, but richer in deeper bonds and shared memories.Sv: Lars hade lärt sig att karriärens framgångar vägde lite mot familjens säkerhet och kärlek.En: Lars had learned that career success weighed little against the safety and love of his family.Sv: Tundran hade inte bara förändrat landskapet, utan även deras syn på vad som verkligen betydde mest.En: The tundra had changed not only the landscape, but also their view of what truly mattered most. Vocabulary Words:tundra: tundraglacier: glaciärfrothy: skummandeshimmering: skimrandepassionate: passioneradglaciologist: glaciologwavered: sviktattreacherous: förrädiskcurious: nyfiknapastel: pastellfärgerdeceptive: bedrägligvisibility: siktgeological: geologiskbreakthrough: genombrottpounded: slog hårtcore: märgendetermination: beslutsamhetsweeping: svepandeshelter: skyddrelief: lättnadstorm: oväderexpanse: viddernaaccolades: utmärkelserbonds: bandperspective: perspektivlandscape: landskapetsafety: säkerhetsuccess: framgångarhowled: tjöticy: kyla

The kids reunite with their troop. Carmen learns how to fish. Ruby makes a friend.Stranded on Catalina Island after the Outbreak, a small group of Adventure Scouts confront the “Infected", testing their mettle and the strength of their friendships. Armed with only determination and their Scout Rules, these preteens navigate the rugged island, discovering the essence of courage and sacrifice in the face of an apocalypse. Bonds are tested, innocence is lost, and the scout motto “Stay Alert, Stay Alive” takes on a whole new, dark significance.WARNING: This miniseries contains distressing scenarios involving children, including graphic violence and gore, as well as underage drinking and use of firearms. Listener discretion is advised.CAST:Beauden Michael McConnell as FranklinJulian Vidaurrazaga as BlaineDillon Wrich as ZachIsabella Burer as RubyRiley Jackson as CarmenHayden Williams-Moran as ChaseMichael Swan as NarratorFull list of cast & crew: https://www.werealive.com/ We're Alive - Scouts Honor was originally released on its own podcast feed in 2024. In case you missed it, this summer 2026 we're sharing We're Alive - Scouts Honor weekly on the We're Alive podcast feed.Join us on July 21st, 2026 for Chapter 4 of WE'RE ALIVE: SCOUT'S HONOR - “Make a Toast”Disclaimer: “We're Alive: Scout's Honor” and all of the events and characters associated with it are a work of fiction. This project is not sponsored or endorsed by Camp Emerald Bay or any other scouting organization. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental. Hosted on Acast. See acast.com/privacy for more information.

Having a child later in life can change far more than your sleep schedule. It can completely rewrite your retirement plan.Don and Tom explore the financial realities of becoming a parent in your late 40s or 50s, from college savings and life insurance to delayed retirement and the temptation to sacrifice your own financial future for your children. Tom brings some very personal experience to the conversation—and a few stories about being mistaken for his daughter's grandfather.Then, a listener asks about a simple three-fund retirement portfolio, international diversification, small-cap value, Roth asset location, and when an aggressive investor should finally consider adding bonds.Plus, why the best retirement portfolio may be the one that keeps you from doing something stupid during the next bear market.00:12 Old guys, act your age—and other financial lessons01:14 Disagree with Don and Tom? Send in your argument01:57 The financial reality of becoming a parent later in life03:17 Tom became a father at 5004:11 The dangers of grocery shopping with your daughter05:21 Are older parents actually better parents?06:10 How a late child can completely change retirement plans07:28 Why retirement should come before college savings08:48 A $36,000-a-year whole life insurance quote09:08 How long does a parent really need term life insurance?10:42 Fertility costs and the financial price of parenthood11:28 Your retirement must remain the financial priority12:50 Having a child at 50 may mean working until 6813:42 What are you actually going to do in retirement?15:19 Tom reflects on raising his youngest daughter16:02 Don and Tom need more listener questions17:17 Listener portfolio review: FZROX, FZILX, and AVUV18:49 Is 50% U.S., 30% international, and 20% small value reasonable?20:01 Should high-growth assets go in a Roth IRA?20:43 When should an aggressive investor start adding bonds?21:25 Bonds may keep you from doing something stupid22:53 Remembering investor panic after 9/1123:21 How to get a free Talking Real Money portfolio analysis25:16 Why Talking Real Money is differentQuestions? Comments? Click!

In hour 1, Spadoni and Shasky discuss how the Homerun Derby was a total success but Shasky had a problem with Bonds and ARod on the broadcast.

Prior Session's Trade Execution Summary Grid: Success is simply a matter of luck. Ask any failure. — Earl Wilson 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: "Incoming Tide Floats All Boats (and Stocks Too!)" 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.

CPI, big bank results, and congressional testimony by Fed Chair Warsh are today's highlights. But action in the Middle East and the path of oil are also influential. 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 {securities, investment products and 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. For illustrative purpose(s) only. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. 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 seeschwab.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. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

US equity futures are weakening, with the S&P down 0.4%. Bonds are broadly lower as Treasury Yields continue to rise, with the 10-year up 1 bp to 4.6%. Gilts have gained 3 bps to 4.9%, while Bunds are up 2 bps at 3%. Crude prices are rallying amid escalating US-Iran tensions. Meanwhile, gold and silver extend their declines, the dollar strengthens across the board, and Bitcoin retreats alongside equities. US and Iran exchanged fire over weekend, raising more doubts about durability of ceasefire. US struck more targets aimed at degrading Iran's ability to threaten ships in Strait of Hormuz. IRGC fired at another commercial vessel and declared Hormuz closed, retaliating with strikes against US facilities across Gulf states. Developments seen threatening nascent recovery in Hormuz shipping activity, pushing crude higher. Companies Mentioned: Akzo Nobel, CCC Intelligent Solutions, Warner Bros. Discovery

Prior Session's Trade Execution Summary Grid: Every time I'm doing something that is not essential, I am giving up on something that is essential. — Greg McKeown 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: "Fundamental Analysis is Fine, But Don't Be a Dumb Buyer!" 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.

The week starts slowly but accelerates tomorrow with CPI, big bank results, and congressional testimony by Fed Chair Warsh. Two key chip industry firms report later this week. 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 {securities, investment products and 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. For illustrative purpose(s) only. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. 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 seeschwab.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. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0726) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The repricing of Fed policy expectations over the past six months has reverberated well beyond the U.S. Valerie Chan, Investment Strategist at the BlackRock Investment Institute, explains why Japan is a key case study.General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2026 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BII0726-5741082-EXP0727

Fluent Fiction - Hungarian: Timeless Tides: Rekindling Bonds at Balatonfüred Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-07-13-07-38-20-hu Story Transcript:Hu: A Balaton nagylelkű kék vizével és nyári derűjével mindenkit vonz.En: A Balaton with its generous blue waters and summer cheerfulness attracts everyone.Hu: Balatonfüred, a nyüzsgő nyári városka, tele kávézókkal és zsizsegő tücskökkel, Gábor és Emese számára különleges hely.En: Balatonfüred, the bustling summer town, full of cafés and buzzing crickets, is a special place for Gábor and Emese.Hu: Itt gyűlnek össze régi barátaikkal egy hétvégére, hogy újra felidézzék az elmúlt évek emlékeit.En: They gather here with old friends for a weekend to reminisce about memories from past years.Hu: Gábor, aki nemrég költözött Budapestre az új munkája miatt, gyakran érezte egyedül magát.En: Gábor, who recently moved to Budapest for his new job, often felt lonely.Hu: Hiányozott neki a régi kapcsolatok egyszerűsége.En: He missed the simplicity of old relationships.Hu: Ebben az új környezetben nehezen találta meg a helyét, és ez a nyári hétvége remek alkalomnak tűnt arra, hogy újra közelebb kerüljön Emeséhez, aki éppen külföldön tanult.En: In this new environment, he found it difficult to find his place, and this summer weekend seemed like a perfect opportunity to reconnect with Emese, who was just studying abroad.Hu: Emese külföldön tanul, és emiatt sokat gondol a régi Balatoni nyarakra.En: Emese, studying abroad, often thought about the old Balaton summers.Hu: Attól félt, hogy a barátságok elhalványulnak az idő és a távolság miatt.En: She feared that friendships would fade with time and distance.Hu: Most, hogy itthon van egy rövid időre, mindent meg akar tenni azért, hogy ez ne történjen meg.En: Now that she's home for a short while, she wants to do everything to prevent this from happening.Hu: Ahogy megérkeztek Balatonfüredre, a nap már alacsonyan járt az égen, a tó vize aranyszínben csillogott.En: As they arrived in Balatonfüred, the sun hung low in the sky, and the lake's water glistened in a golden hue.Hu: A csoport egy vidám napot töltött együtt, fürödtek és nevetgéltek a parton.En: The group spent a joyful day together, bathing and laughing on the shore.Hu: De Gábor és Emese mindeközben valahogy külön-külön érezte: itt az ideje beszélni.En: But Gábor and Emese both felt, somehow separately, that it was time to talk.Hu: A naplemente különleges pillanatokat hoz.En: The sunset brings special moments.Hu: A Balatonon vitorlázva, amikor már minden narancs, rózsaszín és lila színt öltött, elérkezett az idő a fontos beszélgetéshez.En: Sailing on the Balaton, when everything had taken on shades of orange, pink, and purple, the time for the important conversation arrived.Hu: Gábor megszólalt: „Emese, néha úgy érzem, hogy elvesztettem a kapcsolatot az emberekkel.En: Gábor spoke up: "Emese, sometimes I feel like I've lost touch with people.Hu: Nehéz az újdonságokhoz hozzászokni.En: It's hard to get used to new things."Hu: "Emese bólintott, megértően.En: Emese nodded understandingly.Hu: "Én is így vagyok ezzel, Gábor.En: "I feel the same, Gábor.Hu: Attól félek, hogy elfelejtenek, és ez aggaszt.En: I'm afraid that I'll be forgotten, and it worries me."Hu: "A tiszta levegő és a lágyszítő hullámok között őszintén beszélgettek.En: In the clean air and soothing waves, they spoke openly.Hu: Rájöttek, hogy mindketten ugyanazoktól a dolgoktól tartanak, és mindkettőjük számára fontos a barátságuk megőrzése.En: They realized that they both feared the same things and that preserving their friendship was important to both of them.Hu: Ahogy a vitorlás lassan visszatért a partra, Gábor és Emese egyetértettek abban, hogy a változások ellenére a barátságuk erős maradhat.En: As the sailboat slowly returned to the shore, Gábor and Emese agreed that despite the changes, their friendship could remain strong.Hu: Gábor érezte, hogy kevésbé magányos, és Emese is megnyugodott, látva, hogy a távolság nem jelenti a kapcsolat végét.En: Gábor felt less lonely, and Emese was reassured, seeing that distance doesn't mean the end of their connection.Hu: A Balaton tükrében mosolyogtak egymásra, a barátságuk új erőre kapott.En: Smiling at each other in the reflection of the Balaton, their friendship gained new strength.Hu: A történet végére Gábor és Emese megértették: a régi nyarak emlékei mindig velük maradnak, és a barátságuk, miként a Balaton nyári vizei, idővel csak mélyülhet.En: By the end of the story, Gábor and Emese understood: the memories of old summers will always stay with them, and their friendship, like the summer waters of the Balaton, can only deepen over time. Vocabulary Words:generous: nagylelkűcheerfulness: derűjévelbustling: nyüzsgőbuzzing: zsizsegőreminisce: felidézzéklonely: egyedülsimplicity: egyszerűségereconnect: újra közelebb kerüljönfade: elhalványulnakglisten: csillogotthue: színbenjoyful: vidámseparately: külön-különsoothing: lágyszítőpreserving: megőrzésesailboat: vitorlásreflection: tükrébenstrength: erőreenvironment: környezetbenopportunity: alkalomnakfear: aggasztimportant: fontosconversation: beszélgetésheznod: bólintottrealize: rájöttekmean: jelentigather: gyűlnek összebathe: fürödtekshore: partonprevent: megtörténjen

A new housing law just passed that guarantees prices go higher. Bonds are breaking. And every bank bullish on Bitcoin refuses to buy Stretch.This episode is sponsored by Upwork. Visit https://upwork.com right now and post your job for free to connect with top talent ready to help your business grow.This episode is also sponsored by Ground News. Go to http://groundnews.com/schiff to get 40% off the unlimited access Vantage plan and unlock world-wide perspectives on the stories shaping our world.Watch more episodes: https://www.youtube.com/watch?v=TE0fyjt4Occ&list=PL9hNbo_Ztnr9cAg2Ee0Tiid1quEU1imiSThe Iran peace deal collapsed and the war is back on, yet US stock markets barely reacted — the AI bubble powering tech kept the S&P and Nasdaq positive while gold and silver sold off, with gold closing at $4,019 and silver falling 3.5% below $60. Bond yields climbed back to cycle highs with the 10-year at 4.56% and the 30-year at 5.06%, and Peter Schiff sees a major breakdown ahead that will hit stocks, housing, and crypto simultaneously.The 21st Century Road to Housing Bill became law without Trump's signature, and Schiff argues it will make housing worse, not better. Nine decades of government housing policy — every program sold as making homes more affordable — have produced the least affordable housing in American history, because subsidizing demand raises prices and the money ends up in sellers' pockets. Trump has openly said he wants home prices to rise, in the middle of an affordability crisis. Meanwhile SpaceX fell 36% from its highs in under two weeks with every open-market buyer underwater and lockup expirations still ahead. Every Wall Street firm covering Bitcoin is bullish — Citi at $82K, Standard Chartered at $100K, Bernstein at $150K, JP Morgan at $170K — yet not one is buying Stretch at $87.48, where a 13.7% yield proves the market doesn't believe Bitcoin can appreciate 12% a year. They don't believe their own forecasts.Chapters:00:00 Markets Defy Bad News01:38 War Tensions and Metals05:11 Bond Yields Warning Signs06:57 AI Bubble and IPO Mania11:42 Bitcoin Hype and Wall Street17:07 Dollar Flat Oil Rising18:09 Housing Bill Political Fight19:54 Affordability Crisis Explained24:16 How Subsidies Inflate Prices32:03 Bubble Collateral Trap32:58 Jobs Report Media Spin34:40 Housing Supply Not Subsidies37:20 Save America Act Debate41:25 Voting Rights Republic Critique52:49 Democracy Incentives Corruption57:12 Two Party No Choice58:42 Podcast Wrap UpYouTube: https://youtube.com/peterschiffX: https://x.com/peterschiffInstagram: https://instagram.com/peterschiffTikTok: https://tiktok.com/@peterschiffofficialFacebook: https://facebook.com/peterschiffOur Sponsors:* Check out Chilipad and use my code GOLD for a great deal: https://sleep.me* Check out Fast Growing Trees and use my code GOLD for a great deal: https://www.fast-growing-trees.com* Check out Plaud AI and use my code GOLD for a great deal: https://plaud.ai* Check out Quince and use my code quince.com/gold for a great deal: https://www.quince.com* Check out TruDiagnostic and use my code GOLD20 for a great deal: https://www.trudiagnostic.comPrivacy & Opt-Out: https://redcircle.com/privacy

This is a free preview of a paid episode. To hear more, visit andrewsullivan.substack.comStephen is a psychoanalyst and author. He used to teach clinical technique at the Institute of Psychoanalysis, and also psychoanalytic theory at University College London. He's the author of The Examined Life: How We Lose and Find Ourselves, and his latest book is Love's Labor: How We Break and Make the Bonds of Love.For two clips of the episode — on what psychoanalysis is really for, and the benefits of friendship vs romantic love — head to our YouTube page.Other topics: born in Gary, Indiana; his birth defect requiring many surgeries; his Jewish family emigrating from Eastern Europe; college at Berkeley and Oxford; arrested at the Chicago Dem convention; befriending Anna Freud; Sigmund and his studies in hysteria; loneliness in adolescence; how falling in love is very different than love; my own psychoanalyst of 25 years; trauma from my childhood; the losses that marriage entails; breakthroughs after breakdowns; detaching from the idea of yourself; legal marriages vs psychological ones; falling back into trauma because it's familiar; the power of love's precarity; victimology; Philip Roth's “the ecstasy of sanctimony”; lessons from Othello; surrender vs submission; Esther Perel's Mating in Captivity; seeking traits in a partner that mirror a dysfunctional parent; how sex is different for men and women; gay promiscuity; male-male marriages lasting the longest; HIV and the threat of deportation; dating with HIV in the ‘90s; and how to be a better listener.Browse the Dishcast archive for an episode you might enjoy. Coming up: David Thomson on cinema in US history and culture, John O'Sullivan on conservatism, Robby George on natural law, and Megan McArdle on pretty much anything. Please send any guest recs, dissents, and other comments to dish@andrewsullivan.com.

The legendary Swamp Dogg returns to Songcraft after more than a decade to talk about, well, whatever he wants. And we're here for it! PART ONE Paul and Scott contemplate their second visit with Swamp DoggPART TWO Our in-depth interview with the original D-O-double G! ABOUT SWAMP DOGG R&B cult favorite Jerry “Swamp Dogg” Williams is best known as the co-writer, with Gary U.S. Bonds, of the cross-genre classic, “She's All I Got,” which became a Top 10 R&B single for Freddie North and a #2 country hit for Johnny Paycheck in 1971. Williams' career began in 1954 when, at the age of 12, he made his first record, “HTD Blues.” He found success in the 1960s, recording the Top 40 R&B hit “Baby You're My Everything” under the name Little Jerry Williams, and writing songs for other artists, including Gene Pitney's Top 20 Pop single, “She's a Heartbreaker.” He became Atlantic Records' first African American staff producer in 1968 but left the following year to pursue independent projects in Muscle Shoals, Alabama and Macon, Georgia. By the 1970s Swamp was an in-demand producer and songwriter, penning Top 40 R&B hits for Doris Duke, Arthur Conley, and Dee Dee Warwick.  Around the same time, he reinvented himself as Swamp Dogg, releasing a series of eccentric soul albums with lyrics marked by frank sexuality, biting satire, radical politics, and provocative social observations. His debut LP, Total Destruction to Your Mind, was eventually certified Gold, while subsequent releases, including Gag a Maggott, I'm Not Selling Out – I'm Buying In, An Awful Christmas and a Lousy New Year, and The White Man Made Me Do It garnered considerable accolades among underground music lovers and earned Swamp what one journalist described as “a cultural niche somewhere between Rudy Ray Moore and Frank Zappa.” In recent years, his vast catalog has been sampled by Kid Rock, Talib Kweli, DMX, and others. Having just turned 84, Swamp shows no signs of slowing down. Since we last spoke with him in 2015, he has released five albums, including a bluegrass-inspired project called Blackgrass and his most recent release, Swamp Dogg Contemplates the Afterlife.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Franklin, Blaine, and Zach search for safety. Carmen and Ruby evade danger.Stranded on Catalina Island after the Outbreak, a small group of Adventure Scouts confront the “Infected", testing their mettle and the strength of their friendships. Armed with only determination and their Scout Rules, these preteens navigate the rugged island, discovering the essence of courage and sacrifice in the face of an apocalypse. Bonds are tested, innocence is lost, and the scout motto “Stay Alert, Stay Alive” takes on a whole new, dark significance.WARNING: This miniseries contains distressing scenarios involving children, including graphic violence and gore, as well as underage drinking and use of firearms. Listener discretion is advised.CAST:Beauden Michael McConnell as FranklinJulian Vidaurrazaga as BlaineDillon Wrich as ZachIsabella Burer as RubyRiley Jackson as CarmenZach Paul Brown as CurtisMichael Swan as NarratorFull list of cast & crew: https://www.werealive.com/ We're Alive - Scouts Honor was originally released on its own podcast feed in 2024. In case you missed it, this summer 2026 we're sharing We're Alive - Scouts Honor weekly on the We're Alive podcast feed. WE'RE ALIVE: SCOUT'S HONOR, Chapter 2 - “Between Two Harbors” continues in Part 2, available now!Disclaimer: “We're Alive: Scout's Honor” and all of the events and characters associated with it are a work of fiction. This project is not sponsored or endorsed by Camp Emerald Bay or any other scouting organization. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental. Hosted on Acast. See acast.com/privacy for more information.

The kids discover a way to avoid detection. Stranded on Catalina Island after the Outbreak, a small group of Adventure Scouts confront the “Infected", testing their mettle and the strength of their friendships. Armed with only determination and their Scout Rules, these preteens navigate the rugged island, discovering the essence of courage and sacrifice in the face of an apocalypse. Bonds are tested, innocence is lost, and the scout motto “Stay Alert, Stay Alive” takes on a whole new, dark significance.WARNING: This miniseries contains distressing scenarios involving children, including graphic violence and gore, as well as underage drinking and use of firearms. Listener discretion is advised.CAST:Beauden Michael McConnell as FranklinJulian Vidaurrazaga as BlaineDillon Wrich as ZachIsabella Burer as RubyRiley Jackson as CarmenZach Paul Brown as CurtisMichael Swan as NarratorFull list of cast & crew: https://www.werealive.com/ Zach risks everything for a souvenir.We're Alive - Scouts Honor was originally released on its own podcast feed in 2024. In case you missed it, this summer 2026 we're sharing We're Alive - Scouts Honor weekly on the We're Alive podcast feed.Join us on July 14th, 2026 for Chapter 3 of WE'RE ALIVE: SCOUT'S HONOR - “Sting, Sting, Sting”Disclaimer: “We're Alive: Scout's Honor” and all of the events and characters associated with it are a work of fiction. This project is not sponsored or endorsed by Camp Emerald Bay or any other scouting organization. Any resemblance to actual persons, living or dead, events or localities is entirely coincidental. Hosted on Acast. See acast.com/privacy for more information.

Plus: Rivian has disclosed plans to sell 75 million shares of common stock. And the U.S. trade deficit widened as imports of AI components rose. Anthony Bansie hosts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.