Podcasts about bonds

Don and Tom take on the latest attempt to reinvent retirement investing: the claim that retirees should hold 90% stocks and just 10% bonds. They explain why focusing on recent stock returns ignores both history and human behavior, discuss the role bonds play in managing risk and retirement income, and remind listeners that successful investing is about meeting your goals—not maximizing returns at any cost. They also answer a listener question about claiming Social Security early versus waiting until age 70 and revisit the importance of maintaining exposure to emerging markets despite their volatility.0:12 The newest retirement “better mousetrap”: 90% stocks, 10% bonds1:48 Bob Pozen's argument for aggressive retirement portfolios3:01 Why 10-year return data can be misleading4:16 The psychology of large portfolio losses5:42 Bonds are not stocks: understanding the difference7:37 How fixed income supports retirement withdrawals8:22 Why retirees should know their actual asset allocation10:04 Taking only the risk you need to take12:25 Remembering how investors felt in 2000, 2008, and 202213:33 Using the Talking Real Money risk quiz14:27 Summer request for listener questions15:31 Listener Scott asks about claiming Social Security early17:07 Why delaying Social Security can still make sense18:32 The value of Social Security's guaranteed increase20:11 Risks of assuming stock market returns will cooperate21:55 Why contrarian retirement advice attracts attention22:25 The overlooked role of emerging markets23:50 Why emerging markets belong in diversified portfolios24:30 The risks and rewards of global diversificationQuestions? Comments? Click!

David Bahnsen recaps Tuesday, June 16 market action with the Dow up 329 points (+0.64%) while the S&P fell over 0.5% and the Nasdaq dropped 1.15% as big tech/AI names sold off. Oil fell another 4.5% with WTI around $77, and the 10-year yield declined three basis points to 4.437%. Financials rallied about 1.5% (helping the Dow), with strength also in some healthcare names, while energy mostly continued lower. Bahnsen argues Monday's rally was less about Iran/Strait of Hormuz headlines and more a return to AI-tech momentum, which reversed Tuesday, framing the key market tension as AI momentum and valuations versus more fundamental sectors like REITs, healthcare, industrials, and staples. He also defines “first-year maximum drawdown” as the largest peak-to-trough decline in a stock's first year post-IPO. 00:00 Market Recap Overview 00:38 Sector Rotation Snapshot 01:31 Bonds and Tech Divergence 02:11 Debunking the Iran Rally 03:04 AI Momentum vs Fundamentals 04:07 What Drawdown Means 05:02 Wrap Up and Contact Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Should retirees live off dividends and bond interest, or use a total return strategy? Don and Tom tackle one of the most persistent myths in retirement investing: that dividend-paying stocks create safer retirement income. They explain why dividends are not “free money,” how dividend-focused portfolios can create hidden risks, and why most academic research favors a diversified total return approach. The conversation explores dividend traps, covered-call income funds, sustainable withdrawal strategies, and the importance of diversification. They also respond to a listener defending Robinhood's platform, debate gamification in investing, and discuss Philadelphia's new automatic retirement savings program designed to help workers without employer-sponsored plans.0:05 Introduction: Dividend income vs. total return investing1:44 Why retirees are attracted to dividend-focused portfolios2:19 What a total return strategy actually means3:37 The appeal of predictable dividend income4:55 High-yield ETFs and the risks behind the payouts5:03 Why dividends are not free money6:10 Larry Swedroe's argument: dividends are not income6:27 Understanding the dividend trap7:05 Extreme dividend yield example: GMEX Robotics8:35 YieldMax and triple-digit yields9:44 Why academics favor total return strategies10:48 Rebalancing as an income source in retirement11:43 The hidden risks of income-focused products13:30 Bridge-playing and retirement banter14:21 How listeners can submit questions15:12 Listener question: Is Robinhood getting unfair criticism?16:13 Robinhood, gamification, and investor behavior18:18 Why “stodgy” may be good for money management19:53 Philadelphia's new retirement savings initiative20:45 Automatic enrollment and retirement success22:30 Why saving must be made easy23:28 Free portfolio reviews at Appella24:21 Discussion of The Line Uncrossed26:47 Family history and future book possibilitiesQuestions? Comments? Click!

In blended family life, it's easy for kids, parents, and stepparents to feel unsure, unseen, or disconnected as everyone adjusts to new relationships, new rhythms, and new expectations.We know how hard it can be to want deeper connection, but not know what questions to ask or how to create the kind of safe space where honest conversations can happen.In this episode, we talk with Ashley Noelle, the founder of Blended Bond, a conversation-based tool designed to help blended families, co-parents, and single-parent households build stronger connection through meaningful dialogue. Rooted in her own lived experience within a blended family, Ashley created Blended Bond to support families navigating complex dynamics, transitions, and emotional barriers.With a background in co-parenting coaching and a deep understanding of modern family structures, Ashley now focuses on creating tangible resources that help families communicate, connect, and feel less alone in the process.Together, we explore how intentional questions can help kids feel seen and heard, why “safe zone” conversations matter, and how parents and stepparents can keep showing up with patient persistence, even when kids shut down or resist.Ashley also reminds us that every blended family is unique. You don't have to force your family into someone else's mold. You can build trust, strengthen bonds, and create meaningful connection one honest conversation at a time.You'll Discover:Why open-ended questions can help kids feel seen, heard, and understood How to keep showing up with patience when kids shut down, roll their eyes, or say “I don't know” Why “safe zone” conversations can build trust, honesty, and emotional security How shared activities and fun prompts can create teamwork and help kids feel included Why every blended family gets to build its own unique identity, instead of trying to fit a cookie-cutter modelResources from this Episode:Order your Blended Bond Deck here: blendedbond.comAnd be sure to use Promo code: BREAKTHROUGH20 to receive 20% off your purchaseConnect with Ashley at instagram.com/theblendedbondReady for some extra support?We all need some extra support along the blending journey — we're here to help.  You can connect with us for a free coaching call to see how we might help you experience more clarity, confidence and connection in your home.  Schedule your free call here:  https://calendly.com/mikeandkimcoaching/freesessionYou don't need to navigate blended family life alone.  Join our supportive community where you'll connect directly with us and other couples just like you who are intentionally investing in healthy blending strategies.  Click the link to find out how to join: https://learning.blendedfamilybreakthrough.com/blendingtogetherSubscribe or Follow the Show Are you subscribed or following the podcast yet?  If not, we want to encourage you do that today so you don't miss a single episode.  Click here to subscribe in Apple PodcastsClick here to follow on SpotifyLeave a Review in Apple PodcastsIf you're feeling extra helpful, we would be so grateful if you left us a review over on Apple Podcasts too. Your review will help others find our podcast — plus they're fun for us read too! :-)  Just click here to Review, select “Ratings and Reviews” and then select “Write a Review” — let us know what your favorite part of the podcast is.  Thank you, we really appreciate your feedback!

SpaceX has become one of the most anticipated investment stories in modern market history. Between Elon Musk's popularity, the company's technological achievements, and years of speculation about a public offering, investor excitement is reaching fever pitch. But what happens after the hype? Lance Roberts & Jon Penn examine the lessons to be learned from previous high-profile IPOs, and why some of the biggest investing mistakes occur after the initial excitement fades. We discuss valuation, investor psychology, momentum chasing, and the risks that emerge when enthusiasm becomes disconnected from fundamentals. We also look at the growing speculative interest surrounding leveraged products tied to the SpaceX theme, and why investors should be cautious when Wall Street starts packaging excitement into increasingly aggressive investment vehicles. Here's a topical rundown of today's show: 0:00 - INTRO 0:56 - America's 250th Anniversary Time Capsule & Space-X IPO 3:48 - The Bullish Setup Returns 8:18 - Back from Vacay... 9:32 - IPO's & Space-X 12:04 - What Happens Next - the Advantage in Waiting 14:19 - The FOMO Factor 17:53 - What Could Possibly Go Wrong? 19:02 - Has AI Lost Steam? (The New U.S.Industrial Revolution) 21:37 - What's Next After Iran War? (Economic Pressure Index) 24:08 - Two Things Driving Markets: Profitability & Optimistic Earnings Estimates 25:17 - Italian Gasoline Prices 28:38 - Interest Rates, Bonds, & Kevin Warsh at the Fed 33:59 - A Tip about TIPS 35:44 - Why You Should Own Some Bonds 37:59 - The Three Components of Investing: Safety, Liquidity, & Returns 41:01 - Annuities as Bond "Alternatives?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Xr1Ut115-xA ------- Watch today's "Before the Bell" feature, "Bullish Setup Returns," here: https://youtu.be/ox4_xMsXqt4 ------- Watch our previous show, "Bull Market Pullback - Is the Correction Over?" https://youtube.com/live/csXApjrvlNY?feature=share ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #Investing #ArtificialIntelligence #SectorRotation #SpaceX #ElonMusk #IPO #Bonds #Annuities #KevinWarsh

SpaceX has become one of the most anticipated investment stories in modern market history. Between Elon Musk's popularity, the company's technological achievements, and years of speculation about a public offering, investor excitement is reaching fever pitch. But what happens after the hype? Lance Roberts & Jon Penn examine the lessons to be learned from previous high-profile IPOs, and why some of the biggest investing mistakes occur after the initial excitement fades. We discuss valuation, investor psychology, momentum chasing, and the risks that emerge when enthusiasm becomes disconnected from fundamentals. We also look at the growing speculative interest surrounding leveraged products tied to the SpaceX theme, and why investors should be cautious when Wall Street starts packaging excitement into increasingly aggressive investment vehicles. Here's a topical rundown of today's show: 0:00 - INTRO 0:56 - America's 250th Anniversary Time Capsule & Space-X IPO 3:48 - The Bullish Setup Returns 8:18 - Back from Vacay... 9:32 - IPO's & Space-X 12:04 - What Happens Next - the Advantage in Waiting 14:19 - The FOMO Factor 17:53 - What Could Possibly Go Wrong? 19:02 - Has AI Lost Steam? (The New U.S.Industrial Revolution) 21:37 - What's Next After Iran War? (Economic Pressure Index) 24:08 - Two Things Driving Markets: Profitability & Optimistic Earnings Estimates 25:17 - Italian Gasoline Prices 28:38 - Interest Rates, Bonds, & Kevin Warsh at the Fed 33:59 - A Tip about TIPS 35:44 - Why You Should Own Some Bonds 37:59 - The Three Components of Investing: Safety, Liquidity, & Returns 41:01 - Annuities as Bond "Alternatives?" Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO,w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Xr1Ut115-xA ------- Watch today's "Before the Bell" feature, "Bullish Setup Returns," here: https://youtu.be/ox4_xMsXqt4 ------- Watch our previous show, "Bull Market Pullback - Is the Correction Over?" https://youtube.com/live/csXApjrvlNY?feature=share ------- Articles mentioned in this report: "May Inflation Print: Why the 4.2% Headline Is an Oil Story," https://realinvestmentadvice.com/resources/blog/may-inflation-print-why-the-4-2-headline-is-an-oil-story/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketUpdate #Investing #ArtificialIntelligence #SectorRotation #SpaceX #ElonMusk #IPO #Bonds #Annuities #KevinWarsh

Today's episode includes reaction in bond markets to the peace deal in the Middle East, which is scant on details. Plus, Robbie sits down with TrustEngine's DaveSavage for a discussion on why the mortgage professionals who will thrive are those who obsess over delivering a modern, technology-enabled consumer experience, embrace AI to scale advice and efficiency, and focus on educating and advocating. And we close by looking at what is expected from the Fed meeting that begins today, the first under new Chair Warsh.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Jen Jacob and Jordi Vilasuso joined me in The Locher Room for a fun and insightful conversation about their work on Beyond the Gates and their journeys through the entertainment industry.Jen talked about her audition process for the role of Ashley Morgan, transitioning from primetime and film into daytime television, and the fast pace that comes with working on a soap. She also opened up about the incredible support system among the cast and what has made this experience so meaningful for her.Jordi reflected on how the role of Grayson Perez came into his life and what it has meant to step into his fifth daytime role after memorable runs on Guiding Light, All My Children, Days of Our Lives and The Young and the Restless. He also shared his thoughts on the recent two-season renewal for Beyond the Gates and why he believes audiences continue to connect with daytime storytelling.We also talked about working with their co-stars, the family atmosphere behind the scenes, life outside of acting and so much more.A heartfelt, funny and engaging conversation with two stars helping bring new energy to daytime television.

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Eric Fine from VanEck to discuss: how emerging markets have changed, geopolitical risk, currencies, AI and more.  Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Important Disclosures from VanEck: https://www.vaneck.com/us/en/talk-your-book-vaneck-disclosures-june-2026/ EMBX Performance: https://www.vaneck.com/us/en/investments/emerging-markets-bond-etf-embx/performance/ Past performance is no guarantee of future results. Investment return and principal value will fluctuate; shares may be worth more or less than original cost when redeemed. Current performance may be lower or higher. Call 800.826.2333 or visit vaneck.com for month-end performance. Investing involves substantial risk and high volatility, including possible loss of principal. Visit vaneck.com to read and consider the prospectus, containing the investment objective, risks, and fees of the fund, carefully before investing.   Van Eck Securities Corporation, Distributor Learn more about your ad choices. Visit megaphone.fm/adchoices

Jerry "Swamp Dogg" Williams Jr opens up about his new album "Contemplates the Afterlife," reflecting on death, faith, and a 70-year career that's produced over 2,000 songs. Extended and high resolution podcast at: www.Patreon.com/VinylGuide Topics Include: New album, Swamp Dogg Contemplates the Afterlife, drops on S-Curve Swamp Dogg shares wild theories on what happens after death He opens up about faith, doubt, and fear of dying Reveals he's written over 2,000 songs across 31 albums His very first record came out way back in 1954 Stories of opening for Sam Cooke and Larry Williams Names the R&B legends who shaped his sound early on Louis Jordan's band once crashed at his childhood home Tells the story of the worst gig of his life A gorilla costume gets stabbed onstage — true story Joining a traveling sideshow for five dollars a night Discusses which Swamp Dogg records collectors hunt hardest today Bob Dylan secretly covered one of his songs years ago Bonds with the host over their shared Australia connection Reveals his wild Beatles-cover novelty record made in Australia Explains how the record business vanished almost overnight Teases new Trinidad soca album and Black Grass II Black Grass II will feature Steve Earle and Margo Price Talks new collaboration album with Eli "Paperboy" Reed Reflects on his Nixon protest era and Jane Fonda ties Looks back on going broke after getting rich fast Recalls producing hit records for Gene Pitney and others Shares fond memories of legendary producer Jerry Wexler The stopwatch story behind his studio recording ritual On Phil Spector's massive ego and Wall of Sound Reveals which British acts covered his songs in the '60s Talks favorite record stores and his 100-record jukebox Hunting down rare 45s worth up to $1,000 The story behind his dance hit "Let's Do the Wobble" Closes with favorite love songs and a wild birthday coincidence Extended and high resolution version of this podcast is available at: www.Patreon.com/VinylGuide Apple: https://tinyurl.com/tvg-ios Spotify: https://tinyurl.com/tvg-spot Amazon Music: https://tinyurl.com/tvg-amazon Support the show at Patreon.com/VinylGuide

Prior Session's Trade Execution Summary Grid: Every strike brings me closer to the next home run. — Babe Ruth 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: "Be Wary, Very Wary of Prophets." 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 show covers lots of emails, account consolidation, bonds as diversifers, and more!

Investors turn their attention to Kevin Warsh's first meeting as Fed chair after the SpaceX IPO and hopes for an Iran deal helped equities end a volatile week on a high note. 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. (0130-0626) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Former AFL champion turned macro investor Chris Judd returns to unpack the biggest forces shaping markets right now. From the Iran conflict and energy security to the AI arms race, US interest rates, gold and Australia's productivity problem, Chris explains where he thinks consensus is getting it wrong and how he's positioning the Cerutty Macro Fund to take advantage of the next wave of macro trends.In this episode:00:00 – Chris changes his view on Australian small caps03:24 – Iran, the Strait of Hormuz and why energy matters08:07 – Is Australia at the top of the rate cycle?09:24 – Why Chris disagrees with consensus on US rates13:54 – The real bubble is in bonds19:17 – Will AI create a productivity boom?24:07 – Positioning the portfolio for the AI race31:23 – Australia's gas tax and energy policy debate35:51 – Gold, central banks and sovereign reserves41:23 – The most overlooked investment themes43:47 – The best business Chris has ever seen: Tether45:33 – Why Claude is his investing tool of choice46:19 – Final investing advice: know your game ETFs & stocks mentioned: Gold, Oil, Natural Gas, Copper, Uranium, Helium, Sulphur, Bitcoin, Micron Technology (NASDAQ: MU), Google (NASDAQ: GOOGL), Meta Platforms (NASDAQ: META), Amazon (NASDAQ: AMZN), OpenAI, Anthropic, SpaceX, Zoom Communications (NASDAQ: ZM), SK Telecom (NYSE: SKM), Lynas Rare Earths (ASX: LYC), Santos (ASX: STO), BHP Group (ASX: BHP), Ramelius Resources (ASX: RMS), Tether, US Treasuries, US DollarFor Flowpower, go to flowpower.com.au/residential/equitymates and use code EM50 to score an extra $50 welcome credit when you sign up to Flow Power. T&Cs apply.———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———This podcast is intended for education and entertainment purposes only. Any advice is general advice and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If unsure, speak to a financial professional. The host of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares Group but maintains editorial independence and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Fluent Fiction - Dutch: Rekindling Bonds: A Springtime Reunion in Vondelpark Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2026-06-14-22-34-01-nl Story Transcript:Nl: De lente hing in de lucht boven het levendige Vondelpark.En: Spring hung in the air over the lively Vondelpark.Nl: Overal bloeiden bloemen, en de zon scheen door de bladeren van de bomen.En: Flowers bloomed everywhere, and the sun shone through the leaves of the trees.Nl: De sfeer was warm en uitnodigend.En: The atmosphere was warm and inviting.Nl: Bram stond bij de ingang, zijn handen zaten diep in zijn zakken.En: Bram stood at the entrance, his hands deep in his pockets.Nl: Na jaren in het buitenland te hebben gewoond, voelde Amsterdam plotseling zowel bekend als vreemd aan.En: After having lived abroad for years, Amsterdam suddenly felt both familiar and strange.Nl: Jarenlang had Bram zijn zus, Lotte, niet gezien.En: For years, Bram hadn't seen his sister, Lotte.Nl: Een familieruzie had hen gescheiden.En: A family feud had separated them.Nl: Vandaag wilde hij eindelijk die muur breken.En: Today, he finally wanted to break that wall.Nl: Hij had besloten om haar een bericht te sturen, en ze hadden afgesproken om elkaar te ontmoeten in hun geliefde Vondelpark.En: He had decided to send her a message, and they had arranged to meet in their beloved Vondelpark.Nl: Dit park was vroeger hun speelplek, de plek waar ze als kinderen altijd avonturen beleefden.En: This park had been their playground, the place where they always had adventures as children.Nl: Bram zag Lotte onder een grote oude eik staan.En: Bram saw Lotte standing under a large old oak.Nl: Ze was in gesprek met Johan, haar goede vriend die hij vaag herinnerde van vroeger.En: She was talking with Johan, her good friend whom he vaguely remembered from the past.Nl: Hij voelde zijn hart sneller kloppen, nerveus voor hun ontmoeting.En: He felt his heart beating faster, nervous about their meeting.Nl: Toen hij dichterbij kwam, keek Lotte op en glimlachte voorzichtig naar hem.En: As he got closer, Lotte looked up and smiled at him cautiously.Nl: "Hallo Bram," zei ze zachtjes.En: "Hello Bram," she said softly.Nl: "Hallo Lotte," antwoordde Bram.En: "Hello Lotte," Bram replied.Nl: Zijn stem trilde een beetje, maar hij probeerde kalm te blijven.En: His voice trembled a bit, but he tried to stay calm.Nl: Johan gaf hen een knikje en wandelde langzaam weg, hen ruimte gevend.En: Johan gave them a nod and slowly walked away, giving them space.Nl: Bram haalde diep adem.En: Bram took a deep breath.Nl: De zon scheen helder, en sommigen passeerden hen, genietend van de late lentemiddag.En: The sun shone brightly, and some passed by them, enjoying the late spring afternoon.Nl: "Het is lang geleden," zei Bram, zijn ogen op het gras voor hen gericht.En: "It's been a long time," Bram said, his eyes focused on the grass in front of them.Nl: "Ja," antwoordde Lotte.En: "Yes," Lotte answered.Nl: "Waarom ben je zolang weggebleven?"En: "Why did you stay away so long?"Nl: Het was de vraag die hij verwachtte, maar waar hij ook voor vreesde.En: It was the question he expected, but also feared.Nl: "Ik dacht dat je boos op me was," gaf hij toe.En: "I thought you were mad at me," he admitted.Nl: "Maar ik miste je, elke dag."En: "But I missed you, every day."Nl: Lotte keek hem onderzoekend aan.En: Lotte looked at him inquisitively.Nl: De stilte tussen hen werd alleen onderbroken door vogels die in de bomen zongen.En: The silence between them was only interrupted by birds singing in the trees.Nl: "Ik was boos," zei ze uiteindelijk, "maar ik miste je ook, Bram."En: "I was mad," she finally said, "but I missed you too, Bram."Nl: Zijn hart maakte een sprong van hoop.En: His heart leaped with hope.Nl: "Ik wil de dingen goedmaken," zei hij, "als je dat ook wilt."En: "I want to make things right," he said, "if you want that too."Nl: Haar ogen verzachtten.En: Her eyes softened.Nl: "We kunnen proberen," antwoordde ze.En: "We can try," she replied.Nl: Een lichte glimlach verscheen op haar gezicht.En: A slight smile appeared on her face.Nl: Ze begonnen te lopen langs de kronkelige paden van het park, hun schaduwen langer op het pad.En: They began to walk along the winding paths of the park, their shadows longer on the path.Nl: Ze spraken over hun leven, hun herinneringen, en de toekomst.En: They talked about their lives, their memories, and the future.Nl: De warmte van de lentezon leek de weg naar verzoening te verlichten.En: The warmth of the spring sun seemed to light the way to reconciliation.Nl: Tegen het einde van de wandeling voelde Bram zich eindelijk opgelucht.En: By the end of the walk, Bram finally felt relieved.Nl: De angst die hem zoveel jaren had belemmerd, leek te verdwijnen.En: The anxiety that had hindered him for so many years seemed to vanish.Nl: Hij had een nieuwe kans gekregen, en hij wist dat hij die zorgvuldig zou koesteren.En: He had been given a new chance, and he knew he would cherish it carefully.Nl: Toen de avond viel en de zon onderging, liepen Bram en Lotte zij aan zij naar de uitgang van het park.En: As evening fell and the sun set, Bram and Lotte walked side by side to the park's exit.Nl: Voor het eerst in jaren voelde Bram zich echt thuis.En: For the first time in years, Bram felt truly at home.Nl: Hun band was misschien getekend door de tijd, maar ook sterker.En: Their bond might have been marked by time, but it was also stronger.Nl: En hij zou zijn uiterste best doen om die band te herstellen.En: And he would do his utmost to restore that bond. Vocabulary Words:atmosphere: sfeerfamiliar: bekendstrange: vreemdfeud: familieruzieplayground: speelplekadventures: avonturenvaguely: vaagnervous: nerveuscautiously: voorzichtigtrembled: trildeadmitted: gaf toeinquisitively: onderzoekendinterrupted: onderbrokenreconciliation: verzoeningvanish: verdwijnencherish: koesterenbond: bandhinder: belemmerenrestore: herstellenoak: eiksoftened: verzachttenanxiety: angstapproached: naderdehesitant: twijfelendassure: verzekerenwandered: zwierfhesitated: aarzeldeinviting: uitnodigendalleviate: verlichtenembrace: omarmen

Fluent Fiction - Dutch: Rekindling Bonds Amid Keukenhof's Tulip Blooms Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2026-06-14-07-38-20-nl Story Transcript:Nl: Het zonlicht viel zacht op de bloeiende tulpen in de Keukenhof.En: The sunlight gently fell on the blooming tulips in Keukenhof.Nl: Jasper keek om zich heen, terwijl hij wachtte op zijn zus.En: Jasper looked around as he waited for his sister.Nl: Hij was nerveus.En: He was nervous.Nl: Het was lang geleden dat hij Merel voor het laatst had gezien.En: It had been a long time since he had last seen Merel.Nl: Zijn kunst had hem vaak in zijn eigen wereld gehouden, ver weg van familie en vrienden.En: His art had often kept him in his own world, far away from family and friends.Nl: Maar vandaag was anders.En: But today was different.Nl: Hij hoopte dat de schoonheid om hen heen hen dichterbij zou brengen.En: He hoped the beauty around them would bring them closer together.Nl: Ondertussen naderde Merel, vol enthousiasme zoals altijd.En: Meanwhile, Merel approached, full of enthusiasm as always.Nl: Ze was blij Jasper te zien, maar merkte ook zijn terughoudendheid op.En: She was happy to see Jasper, but also noticed his reticence.Nl: "De bloemen zijn prachtig, hè?"En: "The flowers are beautiful, aren't they?"Nl: begon ze, haar ogen glinsterend van vreugde.En: she began, her eyes sparkling with joy.Nl: Haar liefde voor de natuur was altijd aanstekelijk geweest.En: Her love for nature had always been contagious.Nl: Jasper knikte en probeerde te glimlachen, maar hij voelde de spanning.En: Jasper nodded and tried to smile, but he felt the tension.Nl: "Ja, heel mooi," antwoordde hij zacht.En: "Yes, very beautiful," he replied softly.Nl: Terwijl ze langs de kleurige tulpenvelden liepen, vertelde Merel verhalen over haar reizen en avonturen.En: As they walked along the colorful tulip fields, Merel told stories about her travels and adventures.Nl: Ze probeerde de stilte te vullen met haar levendigheid.En: She tried to fill the silence with her liveliness.Nl: Maar de stilte tussen hen was niet zo makkelijk te breken.En: But the silence between them wasn't so easy to break.Nl: Jasper voelde zich schuldig over de verloren tijd en vond het moeilijk om zijn gevoelens te uiten.En: Jasper felt guilty about the lost time and found it difficult to express his feelings.Nl: Hij wist dat Merel dat voelde.En: He knew Merel felt that.Nl: Ze stopten bij een klein houten bankje, verscholen tussen hoge bloemen.En: They stopped at a small wooden bench, hidden among tall flowers.Nl: Het was daar rustig, alleen het geritsel van bladeren en het zachte gelach van andere bezoekers waren te horen.En: It was quiet there, only the rustling of leaves and the soft laughter of other visitors could be heard.Nl: Merel keek naar haar broer en vroeg, "Hoe gaat het echt met je, Jasper?"En: Merel looked at her brother and asked, "How are you really doing, Jasper?"Nl: Daar, omgeven door de kleuren van de lente, besloot Jasper eerlijk te zijn.En: There, surrounded by the colors of spring, Jasper decided to be honest.Nl: "Ik miste je," gaf hij toe, zijn stem breekbaar.En: "I missed you," he admitted, his voice fragile.Nl: "Ik wist niet hoe ik terug moest komen na al die tijd.En: "I didn't know how to come back after all that time.Nl: Ik was bang dat het te laat was."En: I was afraid it was too late."Nl: Merel glimlachte warm.En: Merel smiled warmly.Nl: "Het is nooit te laat, Jasper.En: "It's never too late, Jasper.Nl: We zijn hier nu samen, en dat is wat telt."En: We are here now together, and that's what matters."Nl: De woorden van Merel raakten Jasper.En: Merel's words touched Jasper.Nl: Hij voelde het ijs tussen hen smelten.En: He felt the ice between them melting.Nl: Ze praatten nog uren verder.En: They talked for hours more.Nl: Ze deelden herinneringen en lachten om de kleine dingen die ze samen hadden meegemaakt.En: They shared memories and laughed about the little things they had experienced together.Nl: Toen ze de tuinen verlieten, voelde Jasper zich opgelucht.En: When they left the gardens, Jasper felt relieved.Nl: De bloemen hadden hun magie gedaan.En: The flowers had worked their magic.Nl: Hij had zijn zus altijd bewonderd om haar openhartigheid en optimisme.En: He had always admired his sister for her openness and optimism.Nl: Vandaag had hij geleerd dat het nooit te laat was om opnieuw te verbinden.En: Today, he learned that it was never too late to reconnect.Nl: Terwijl ze het pad naar de uitgang volgden, was de lucht gevuld met het zoete parfum van bloemen en de vreugde van een hernieuwde band.En: As they followed the path to the exit, the air was filled with the sweet perfume of flowers and the joy of a renewed bond.Nl: Jasper was veranderd, een beetje meer open, klaar om te omarmen wat de toekomst voor hen in petto had.En: Jasper had changed, a little more open, ready to embrace what the future had in store for them.Nl: Merel en hij waren weer een team, en dat voelde heel goed.En: Merel and he were a team again, and that felt very good. Vocabulary Words:sunlight: zonlichtblooming: bloeiendenervous: nerveusreticence: terughoudendheidsparkling: glinsterendcontagious: aanstekelijkliveliness: levendigheidguilty: schuldigrustling: geritselfragile: breekbaarsurrounded: omgevenrelieved: opgeluchtrenewed: hernieuwdeperfume: parfumadmired: bewonderdopenness: openhartigheidoptimism: optimismeembrace: omarmenenthusiasm: enthousiasmegently: zachtdistance: afstandsparkle: glinsterennature: natuursoftly: zachtsilence: stilteshared: gedeeldexperiences: ervaringenfragrance: geurexperience: meegemaakttogether: samen

Fluent Fiction - Hungarian: Healing Waters: Rekindling Sibling Bonds at Széchenyi Bath Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-06-14-07-38-19-hu Story Transcript:Hu: A nap melegen sütött az égen, amikor Réka megérkezett a Széchenyi Gyógyfürdő elé.En: The sun was shining warmly in the sky when Réka arrived in front of the Széchenyi Gyógyfürdő.Hu: A fürdő épülete gyönyörűen díszített, impozáns neobarokk stílusban pompázott.En: The bathhouse building was beautifully decorated, shining in an impressive Neo-baroque style.Hu: Az utca tele volt emberekkel, akik élvezték a késő tavaszi idő gyengéd simogatását.En: The street was filled with people enjoying the gentle caress of the late spring weather.Hu: Réka izgatottan várta, hogy találkozzon az öccsével, Gáborral.En: Réka was eagerly awaiting to meet with her younger brother, Gábor.Hu: Nem találkoztak már hetek óta, mivel egy családi vita eltávolította őket egymástól.En: They hadn't seen each other for weeks because a family argument had driven them apart.Hu: Réka azonban eltökélte, hogy újra közel kerülnek egymáshoz.En: However, Réka was determined to bring them closer again.Hu: Tudta, hogy a mai nap egy új kezdet lehet.En: She knew that today could be a new beginning.Hu: Amikor Gábor megérkezett, kissé feszült volt.En: When Gábor arrived, he was a bit tense.Hu: Hetek óta hurcolta magával a sértettségét.En: He had been carrying his resentment around for weeks.Hu: Réka mosolyogva fogadta, és igyekezett oldani a légkört.En: Réka greeted him with a smile, trying to ease the atmosphere.Hu: "Örülök, hogy eljöttél," mondta lágyan.En: "I'm glad you came," she said softly.Hu: Bementek a fürdőbe, ahol a gőz lassan kavarogott a medencék felett.En: They entered the bath, where the steam slowly swirled above the pools.Hu: A meleg víz és a napfény együttese máris nyugtatóan hatott rájuk.En: The combination of warm water and sunlight already had a calming effect on them.Hu: Réka úgy döntött, hogy nem sietteti a dolgokat, és megadja az időt Gábornak, hogy megnyíljon.En: Réka decided not to rush things and allowed Gábor the time he needed to open up.Hu: Ahogy lassan elmerültek a gyógyító vízben, Gábor végül megszólalt.En: As they slowly immersed themselves in the healing water, Gábor finally spoke up.Hu: "Még mindig haragszom," mondta halkan, de határozottan.En: "I'm still angry," he said quietly, but firmly.Hu: A hangja visszatükrözte a szívében dúló vihart.En: His voice reflected the storm raging in his heart.Hu: Réka sóhajtott, majd finoman rápillantott.En: Réka sighed, then glanced at him gently.Hu: "Tudom," válaszolta.En: "I know," she replied.Hu: "Mondd el, mit érzel.En: "Tell me how you feel.Hu: Szeretném megérteni.En: I want to understand."Hu: "Gábor először habozott, de végül megnyílt.En: Gábor hesitated at first but eventually opened up.Hu: Beszélt arról, mennyire bántotta a vita, és milyen nehéz volt, hogy úgy érezte, nem hallják meg a véleményét.En: He talked about how hurt he was by the argument and how difficult it was to feel unheard.Hu: Réka most először valóban figyelt.En: It was the first time that Réka truly listened.Hu: Nem szakította félbe, nem próbálta menteni a helyzetet.En: She didn't interrupt, and she didn't try to fix the situation.Hu: Csak hallgatott.En: She just listened.Hu: A medence sarkában, csendesen beszélgetve, valami megváltozott köztük.En: In the corner of the pool, speaking quietly, something changed between them.Hu: Réka ráébredt, hogy az a legfontosabb, hogy valóban meghallja Gábort.En: Réka realized that the most important thing was to truly hear Gábor.Hu: Gábor érezte, hogy a nővére valóban érti és elfogadja az érzéseit.En: Gábor felt that his sister genuinely understood and accepted his feelings.Hu: A fürdőből kilépve a nap még mindig ragyogott, de valami más is megvilágította őket: az újraéledt testvéri kötelék.En: As they left the bath, the sun was still shining, but something else lit them up: their rekindled sibling bond.Hu: Réka és Gábor mosolyogva búcsúztak el, tudva, hogy ma egy fontos lépést tettek a kibékülés felé.En: Réka and Gábor parted with smiles, knowing they had taken an important step toward reconciliation today.Hu: A víz nyugalmával és a napfény melegével együtt a szívük is megkönnyebbült.En: Along with the tranquility of the water and the warmth of the sunshine, their hearts also felt lighter. Vocabulary Words:shining: sütöttwarmly: melegenimpressive: impozánsgentle: gyengédcaress: simogatáseagerly: izgatottanresentment: sértettségtense: feszültatmosphere: légkörgently: finomanreflected: visszatükröztestorm: vihartsigh: sóhajtglanced: rápillantotthesitated: habozottunheard: nem hallják meginterrupted: félberekindled: újraéledtsibling: testvéribond: köteléktranquility: nyugalomparted: búcsúztakreconciliation: kibékülésdetermined: eltökélteimmersed: elmerültekhealing: gyógyítófirmly: határozottanrealized: ráébredttruly: valóbanreflected: visszatükrözte

Fluent Fiction - Norwegian: Spring Revelations: Mending Family Bonds Through Art Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-06-13-22-34-01-no Story Transcript:No: Det var vår i Oslo, og solen skinte over byen.En: It was spring in Oslo, and the sun shone over the city.No: De siste snøflekkene smeltet sakte bort fra gatene.En: The last snow patches were slowly melting away from the streets.No: Inne i det majestetiske Nasjonalgalleriet sto Lars, håpefull.En: Inside the majestic Nasjonalgalleriet, Lars stood, hopeful.No: Han hadde invitert søsknene sine, Ingrid og Sondre, til dette møtestedet midt i kunstens ro.En: He had invited his siblings, Ingrid and Sondre, to this meeting place amidst the peace of art.No: Lars ønsket å tette de gamle sårene i familien.En: Lars wanted to mend old wounds in the family.No: Ingrid kom først.En: Ingrid came first.No: Hun var litt nervøs, men glad for å se storebroren igjen.En: She was a bit nervous but glad to see her older brother again.No: De omfavnet hverandre, begge lettet over å være sammen.En: They embraced each other, both relieved to be together.No: "Hvordan har du det, Ingrid?" spurte Lars.En: "How are you, Ingrid?" asked Lars.No: Ingrid smilte svakt; hun bar på en hemmelighet som hadde tynget henne.En: Ingrid smiled faintly; she was carrying a secret that had weighed her down.No: Sondre kom sist.En: Sondre arrived last.No: Blikket hans var kaldt, og han holdt avstand.En: His gaze was cold, and he kept his distance.No: Lars visste at dette kom til å bli utfordrende.En: Lars knew this was going to be challenging.No: De begynte vandringen gjennom museets sale, omgitt av historie og kunst.En: They began their walk through the museum's halls, surrounded by history and art.No: Stillheten var både fredelig og trykkende, som om maleriene selv lyttet til gamle minner som buktet seg mellom dem.En: The silence was both peaceful and oppressive, as if the paintings themselves were listening to the old memories twisting between them.No: Lars ønsket å bryte isen.En: Lars wanted to break the ice.No: "Jeg husker vi pleide å male sammen som barn. Kanskje vi burde prøve igjen?"En: "I remember we used to paint together as children. Maybe we should try again?"No: Ingrid lo nervøst, men Sondre svarte ikke.En: Ingrid laughed nervously, but Sondre did not respond.No: Tiden gikk, og spenningen vokste.En: Time passed, and the tension grew.No: Plutselig, foran et stort landskapsmaleri, stoppet Sondre.En: Suddenly, in front of a large landscape painting, Sondre stopped.No: Han så på Lars med harde øyne.En: He looked at Lars with hard eyes.No: "Hvorfor nå? Hvorfor bryr du deg om familien nå?" spurte han.En: "Why now? Why do you care about the family now?" he asked.No: Stemningen eksploderte som et tordenvær.En: The atmosphere exploded like a thunderstorm.No: Ordene fløy frem og tilbake mellom de tre.En: Words flew back and forth between the three.No: Gamle sår ble revet opp, og sannheter ble kastet ut i lyset.En: Old wounds were torn open, and truths were thrown into the light.No: Ingrid var stille en stund.En: Ingrid was silent for a while.No: Hun kjente hjertet banke fort.En: She felt her heart pounding fast.No: Endelig, når hun trodde det var den rette tiden, tok hun et dypt pust.En: Finally, when she thought it was the right time, she took a deep breath.No: "Jeg har noe å fortelle," sa hun stille, men bestemt.En: "I have something to tell," she said quietly but firmly.No: Lars og Sondre så begge på henne.En: Lars and Sondre both looked at her.No: "Jeg har holdt dette hemmelig lenge. Jeg har en datter."En: "I have kept this secret for a long time. I have a daughter."No: Nyheten støtte de to mennene med sjokk, men ga også en sekstets stopp i striden.En: The news shocked the two men but also provided a brief pause in the conflict.No: Denne tilståelsen snudde samtalen.En: This confession turned the conversation.No: Lars kjente en bølge av empati skylle over ham.En: Lars felt a wave of empathy wash over him.No: "Hvorfor sa du ikke noe?" spurte han mykt.En: "Why didn't you say anything?" he asked softly.No: Ingrid svarte med tårer i øynene, "Jeg visste ikke hvordan."En: Ingrid replied with tears in her eyes, "I didn't know how."No: Sondre, på sin side, sto der stille.En: Sondre, for his part, stood there silently.No: Bitterheten smeltet litt, akkurat som snøen utenfor.En: The bitterness melted a little, just like the snow outside.No: Sakte men sikkert begynte de å snakke, ikke bare å utveksle ord, men å dele følelser.En: Slowly but surely, they began to talk, not just exchanging words, but sharing feelings.No: De ble enige om at fortiden ikke lenger burde kontrollere fremtiden deres.En: They agreed that the past should no longer control their future.No: De tre søsknene bestemte seg for å prøve igjen, for å være der for hverandre.En: The three siblings decided to try again, to be there for each other.No: Stående sammen foran det berømte maleriet, fant de noe de hadde savnet lenge: et glimt av samhold.En: Standing together in front of the famous painting, they found something they had missed for a long time: a glimpse of unity.No: I museet som hadde vært vitne til deres konflikt, tok de første skritt mot forsoning.En: In the museum that had witnessed their conflict, they took the first steps toward reconciliation.No: Våren, med sitt løfte om nye begynnelser, hadde bringe nytt håp til familien deres.En: Spring, with its promise of new beginnings, had brought new hope to their family. Vocabulary Words:majestic: majestetiskehopeful: håpefullsiblings: søskenmend: tetteembraced: omfavnetrelieved: lettetweighed: tyngetgaze: blikketchallenging: utfordrendeoppressive: trykkendelandscape: landskapsmaleriatmosphere: stemningenthunderstorm: tordenværconfession: tilståelsenempathy: empatibitterness: bitterhetenunity: samholdpaintings: malerienetwisting: buktettension: spenningenfirmly: bestemtreconciliation: forsoningwounds: sårheart pounding: hjertet bankesilently: stilletruths: sannheterexchanging: utvekslefaintly: svaktembrace: omfavnewitnessed: vitne

In this episode of the IPS Finance Comment Show, we compare Bonds and Fixed Deposits (FDs) to understand which investment option has the potential to deliver better returns, and the risks and benefits investors should consider before choosing between them. The discussion also explores the rise of future-tech companies in India, highlighting the emerging sectors and new-age businesses that could shape the next generation of investment opportunities. A practical and insightful conversation designed to help investors make informed long-term financial decisions.

AI narrative momentum, durable value, and why Zoom and Roblox stand out | Around the Desk Ep. 85Sean Emory, founder and CIO of Avory & Co., on the "AI on, AI off" market: where durable value actually accrues, why models may commoditize as open source catches up, and why ecosystem and context end up mattering more than the model itself. Plus a look at Zoom (Avory's top holding) for its cash, Anthropic stake, and communication-context data, and Roblox for consumer engagement and AI-enabled creation. He expects public AI listings to force scrutiny on profitability, margins, and capital intensity, and makes the case for patience and businesses that don't require perfect assumptions.Chapters00:00 Podcast intro00:33 Momentum and narratives01:08 AI trade dominates02:31 Where value accrues03:16 Open source catching up05:10 Models commoditize over time06:28 Multi-model future07:47 Infrastructure crowding risks09:15 Energy bottlenecks10:06 Durable investing mindset10:35 Zoom as durable play13:13 Roblox and creation flywheel14:02 Macro uncertainty cycles16:00 Public AI reality check17:33 Staying patient and closingMore from Avory & Co.www.avory.xyz Informational only. Not personal investment advice. Avory & Co. and Sean Emory may hold positions in securities discussed. Past performance does not guarantee future results.

In this episode, Collin Martin and Liz Ann Sonders focus on the outlook for equities, fixed income, and the overall U.S. economy in the second half of 2026. They begin by discussing recent inflation data, noting that while CPI remains elevated, core inflation came in slightly better than expected. Both agree inflation is not quickly returning to the Fed's target, but easing expectations and stable inflation expectations suggest the Federal Reserve can remain patient for now. The key risk is whether higher prices, especially at the pump, begin to erode consumer spending, as real wages have turned negative year over year. From a policy perspective, Collin expects the Fed to stay on hold through year-end, despite the fed funds futures market pricingin a potential hike. He emphasizes that short-term yields should remain steady, while longer-term Treasury yields may stay elevated due to persistent inflation, heavy Treasury issuance, and global rate pressures. In this environment, he suggests favoring short-to-intermediate bond durations and selectively considering credit risk via investment-grade corporates, high yields, and preferred securities. Liz Ann focuses on the outlook for equity investors, highlighting a shift back to a negative correlation between bond yields and stocks—more characteristic of inflation-driven regimes. Her midyear forecast points to a solid economic backdrop, led by resilient GDP growth, strong capital spending tied to AI, and a healthy labor market, though some early warning signals are emerging in survey-based employment data. The episode closes with a cautious but constructive outlook: no immediate recession signals, but investors should consider prioritizing diversification, risk management, and periodically rebalancing as markets navigate inflation, policy uncertainty, and evolving leadership trends. On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting.  If you enjoy the show, please leave a rating or review on Apple Podcasts. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The 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. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Past performance is no guarantee of future results. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the US Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the US Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the US Government, but inflation-protected bond funds do not provide such a guarantee. Preferred securities are a type of hybrid investment that share characteristics of both stock and bonds. They are often callable, meaning the issuing company may redeem the security at a certain price after a certain date. Such call features, and the timing of a call, may affect the security's yield. Preferred securities generally have lower credit ratings and a lower claim to assets than the issuer's individual bonds. Like bonds, prices of preferred securities tend to move inversely with interest rates, so their prices may fall during periods of rising interest rates. Investment value will fluctuate, and preferred securities, when sold before maturity, may be worth more or less than original cost. Preferred securities are subject to various other risks including changes in interest rates and credit quality, default risks, market valuations, liquidity, prepayments, early redemption, deferral risk, corporate events, tax ramifications, and other factors. High-yield securities and unrated securities of similar credit quality (junk bonds) are subject to greater levels of credit and liquidity risks and may be more volatile than higher-rated securities. High-yield securities are considered predominately speculative with respect to the issuer's continuing ability to make principal and interest payments. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. 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 Negative correlation refers to investments that tend to move in opposite directions: when one rises, the other falls. A hyperscaler is a large-scale cloud service provider that offers vast computing, storage, and networking resources through a distributed infrastructure of interconnected servers and software. (0626-WG7N)   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Prior Session's Trade Execution Summary Grid: Be content to act, and leave the talking to others. — Baltasar 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: "Using Indicators to Interpret Crowd Sentiment." 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.

Any fresh developments around a possible Middle East peace plan could move markets after yesterday's rally, while consumer sentiment data outlines inflation expectations. 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. (0130-0626) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today I want to talk about two tools that are often used specifically for inflation protection: Treasury Inflation-Protected Securities, or TIPS, and I Bonds.

Prior Session's Trade Execution Summary Grid: Be content to act, and leave the talking to others. — Baltasar 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: "Using Indicators to Interpret Crowd Sentiment." 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.

MLB analyst Matt Clement joins the show. Matt says that Mitch Keller's control has been a big issue during his rough stretch these past 6 starts. Matt also says that he is not a fan of the Mlodzinski piggy back thing, as he thinks he is the best right-handed arm in the Pirates bullpen by far. He thinks that Dotel should be the guy in the piggyback role. More with Matt Clement. Matt thinks that Shohei Ohtani might have an argument to be the greatest baseball player of all time when he retires. He says that Ohtani isn't quite the hitter Barry Bonds was, but Bonds also did not pitch at an elite level, or at all. Barry Bonds was 0/3 against Matt Clement the year he broke the home run record.

Fluent Fiction - Hebrew: Rekindling Bonds: A Tel Aviv Reunion at Sunset Find the full episode transcript, vocabulary words, and more:fluentfiction.com/he/episode/2026-06-12-22-34-02-he Story Transcript:He: נעם עמד מול החלון הענק בקומה העליונה של מגדל עזריאלי, מביט בנוף העיר תל אביב הפרוסה לרגליו.En: @Noam stood in front of the huge window on the top floor of the Azrieli Tower, looking at the view of the city of Tel Aviv spread out at his feet.He: היה זה לקראת חג שבועות, זמן של מפגשים וחידוש קשרים ישנים.En: It was close to the holiday of Shavuot, a time of gatherings and renewing old connections.He: בדיוק בגלל זה הוא הזמין את שירה ואיתן, חבריו הטובים מהעבר, לפגוש אותו כאן.En: This is precisely why he invited Shira and Eitan, his good friends from the past, to meet him here.He: שירה הגיעה ראשונה, עם חיוך רחב וחיבוק חם.En: Shira arrived first, with a wide smile and a warm hug.He: "נעם!En: "Noam!He: כל כך התגעגעתי!En: I missed you so much!"He: " היא אמרה.En: she said.He: נעם חייך והודה לה שהגיעה.En: Noam smiled and thanked her for coming.He: זמן קצר לאחר מכן הגיע איתן, עם מבט מהורהר.En: Shortly after, Eitan arrived, with a thoughtful look.He: ברגע שראו זה את זה, האוויר התמלא בתחושת נוסטלגיה מעורבת במעט מתח.En: As soon as they saw each other, the air filled with a sense of nostalgia mixed with a bit of tension.He: הקבוצה החלה לדבר על ימים עברו, על הטיולים לחוף הים ועל הלילות הארוכים שישבו ודיברו עד אור הבוקר.En: The group started talking about the old days, the trips to the beach, and the long nights they sat and talked until dawn.He: נעם חש את החום בלבו אך גם את הקור שמקורו באכזבה שהצטבר עם השנים, במיוחד כלפי איתן.En: Noam felt warmth in his heart but also the cold stemming from disappointment that had accumulated over the years, especially towards Eitan.He: אי ההבנה שהתרחשה לפני שנים לא עזבה את מחשבותיו.En: The misunderstanding that occurred years ago had never left his thoughts.He: לאחר שיחה קלה ומעט בישול מסורתי לכבוד החג, נעם החליט לגשת לאיתן.En: After some light conversation and a bit of traditional cooking for the holiday, Noam decided to approach Eitan.He: "אני חושב שאנחנו צריכים לדבר, אתם זוכרים את מה שקרה אז?En: "I think we need to talk, do you remember what happened then?"He: " התחיל נעם, בקול רציני.En: Noam started, in a serious tone.He: איתן השפיל מבטו ולרגע התחושה הייתה כבדה.En: Eitan lowered his gaze, and for a moment, the atmosphere was heavy.He: שירה, שהרגישה את המתח, התערבה.En: Shira, sensing the tension, intervened.He: "בואו נדבר על זה, אנחנו כאן יחד.En: "Let's talk about it, we're here together.He: זה חשוב לכל אחד מאיתנו.En: It's important for each of us."He: " היא פרשה את ידיה לשני החברים.En: She extended her hands to her two friends.He: "נעם, אף פעם לא רציתי שזה יגמר כך," אמר איתן בשקט.En: "Noam, I never wanted it to end like this," Eitan said quietly.He: "פשוט לא ידעתי איך לפנות.En: "I just didn't know how to reach out.He: וגם לא הייתי מוכן לשמוע באמת.En: And I wasn't ready to really listen."He: "נעם הביט בו, בעיניים שמנסות להבין.En: Noam looked at him, with eyes trying to understand.He: "גם אני עשיתי טעויות," הודה נעם, "אבל אני לא רוצה שנמשיך להתרחק בגללן.En: "I made mistakes too," Noam admitted, "but I don't want us to keep drifting apart because of them."He: "עם רוח אביבית נעימה המגיעה מבחוץ, ובזמן שהשמש מתחילה לשקוע מעל העיר, נעם ואיתן שוחחו באהדה.En: With a pleasant spring breeze coming in from outside, and as the sun began to set over the city, Noam and Eitan spoke with empathy.He: הם הבינו שיש להם הרבה מה ללמוד אחד על השני מחדש, אך הם מוכנים להקדיש לכך זמן.En: They realized they had a lot to learn about each other anew, but they were willing to dedicate time to it.He: השמש שקעה מעל קו האופק, כששלושתם עמדו על הגג, תחושה של הבנה ופיוס מילאו את ליבם.En: The sun set over the horizon as the three of them stood on the roof, a sense of understanding and reconciliation filling their hearts.He: נעם חש בהקלה, הוא הבין שתקשורת אמיתית היא המפתח.En: Noam felt relieved; he realized that true communication is the key.He: כשיחד הם הבטיחו שלא לאבד שוב קשר, נעם הבין את חשיבות ההתמודדות עם קונפליקטים והשגת פיוס אמיתי.En: When together they promised not to lose touch again, Noam understood the importance of dealing with conflicts and achieving true reconciliation.He: השמיים, עם אורות העיר מתחתיו, סימלו לו התחלה חדשה של חברות ישנה, שזכתה לחיים חדשים.En: The skies, with the city lights beneath him, symbolized a new beginning of an old friendship that had gained new life. Vocabulary Words:huge: ענקrenewing: חידושgatherings: מפגשיםnostalgia: נוסטלגיהtension: מתחaccumulated: הצטברmisunderstanding: אי הבנהapproach: לגשתserious: רציניintervened: התערבהdrifting apart: להתרחקempathy: אהדהreconciliation: פיוסwilling: מוכניםdedicate: להקדישrelieved: בהקלהcommunication: תקשורתconflicts: קונפליקטיםachieving: השגתhorizon: אופקunderstanding: הבנהcooking: בישולgaze: מבטsense: תחושהrealized: הבינוreach out: לפנותpromised: הבטיחוsymbolized: סימלוbeneath: מתחתacquired: זכתהBecome a supporter of this podcast: https://www.spreaker.com/podcast/fluent-fiction-hebrew--5818690/support.

On today's episode I interview Brian Byrne. He was the frontman for the multi-platinum selling and Juno award winning band I Mother Earth as well as Bonds of Mara and the Duo Two. He just released his new solo EP which features the single “send and receive”. https://www.instagram.com/brian_byrne1300:47:00 We talk all things I Mother EarthIf you prefer to watch the episode instead of listen to it, you can do so on Youtube at:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtu.be/1QsHTGiap-QIf you've enjoyed today's episode, please take a moment to subscribe, like, comment and share!You can find all my social media links to connect with me at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://joelmartin.ca/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Your friend and ally,Joel MartinWe've Got Time by LiQWYD | https://www.instagram.com/liqwyd Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License https://creativecommons.org/licenses/by/3.0/deed.en_US

Andy and Adam Grossman from Mayport Wealth Management share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:How to analyze an existing annuity and whether to keep it, exchange it to another annuity or surrender it ( 11:44 )The different things to factor in when considering retiring to a different state ( 23:18 )What to do with your investments regarding concerns about the U.S.'s national debt, potential inflation, potential market declines, etc. ( 33:41 )How much to try to optimize moving around cash balances between savings accounts, money market funds, Treasury Bills, CDs, etc. to try to maximize the amount of interest you can get ( 43:44 )Their thoughts on individual bonds vs bond funds, what we use, and why ( 54:27 )How we handle and implement inflation assumptions when doing financial planning with clients ( 1:05:37 )Their thoughts on how Artificial Intelligence may impact financial planning, both as advisors and as consumers ( 1:12:55 )What to make of illustrations for permanent life insurance policies, how reliable those illustrations are, when to consider buying permanent life insurance, when not to buy permanent life insurance, etc. ( 1:19:48 )Links in this episode:Mayport Wealth Management's website - https://www.mayport.com/Adam's recent appearance on Morningstar's The Long View podcast - https://www.morningstar.com/personal-finance/adam-grossman-asset-allocation-is-an-investors-best-defenseTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Don and Tom tackle rising bond yields and the anxiety they create for investors, explaining why higher bond yields mean lower bond prices and why recent moves in long-term Treasury rates have sparked comparisons to the period before the 2008 financial crisis. They discuss inflation fears, interest rate policy, and why investors should be cautious about reading too much into bond market movements as predictors of future stock returns. The conversation reinforces the role of bonds as portfolio stabilizers rather than return generators, particularly for retirees. They also answer a listener question about covered-call ETFs, explaining how option premiums create income, why the strategy isn't “magic money,” and the tradeoffs between yield, complexity, and risk. The episode closes with a correction involving Robert Wagner and Robert Conrad and a humorous detour into reverse-mortgage celebrity spokespeople.0:05 Bond investing versus “bondage” and why bonds are suddenly making headlines1:07 Rising Treasury yields and concerns about the bond market2:30 Why investors compare today's bond yields to conditions before 20083:00 Bond prices, bond yields, and the inverse relationship between them3:51 Inflation fears, energy prices, and their impact on bonds5:50 Global bond market pressures and rising yields in Britain7:06 Federal Reserve rate expectations and inflation control7:51 Lessons from the bond market collapse of 20228:36 Can bond market activity predict future recessions or market declines?10:06 Why geopolitical events often fail as market-timing signals10:31 Why own bonds when long-term returns have been disappointing?11:03 The role of bonds in diversification and retirement portfolios12:06 Using bonds as a spending reserve during stock market declines13:07 Listener question: How covered-call ETFs generate income14:18 Covered-call basics and selling options against stocks17:26 Risks, costs, and limitations of covered-call strategies19:38 Evaluating JEPI and the tradeoff between yield and volatility21:22 Listener correction: Robert Wagner versus Robert Conrad24:01 Reverse-mortgage spokespeople and celebrity rankings25:34 Why making a top-five list may be life's greatest achievementQuestions? Comments? Click!

Prior Session's Trade Execution Summary Grid: To acquire knowledge, one must study; but to acquire wisdom, one must observe. – Marilyn vos Savant 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: "Finding Your Own Ah-Ha Moment!" 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.

Another round of inflation data arrives a day after consumer price data met expectations. Stocks fell sharply, though, due to rising Iran tensions and more selling of chip makers. 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. (0130-0626) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Norwegian: Spring Blossoms and Unspoken Bonds: A Soccer Story Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-06-11-07-38-20-no Story Transcript:No: Våren hadde endelig kommet til Oslo.En: Spring had finally arrived in Oslo.No: Trærne rundt den travle videregående skolen blomstret med livlige farger.En: The trees around the bustling high school blossomed with vibrant colors.No: Atmosfæren var fylt av forventning til den kommende fotballmesterskapsfinalen.En: The atmosphere was filled with anticipation for the upcoming soccer championship final.No: Astrid følte seg klarere enn noensinne.En: Astrid felt sharper than ever.No: Hun hadde trent hardt hele året og så frem til å vise frem sitt talent.En: She had trained hard all year and looked forward to showcasing her talent.No: Men under en treningskamp ble alt forandret.En: But during a training match, everything changed.No: Det skjedde så fort.En: It happened so quickly.No: En hastig bevegelse, et skritt for langt, og Astrid kjente en skarp smerte skyte oppover ankelen.En: A hasty move, a step too far, and Astrid felt a sharp pain shoot up her ankle.No: Hun falt til bakken, og kampen stoppet øyeblikkelig.En: She fell to the ground, and the game stopped immediately.No: Leif, hennes beste venn, var den første til å nå henne.En: Leif, her best friend, was the first to reach her.No: "Astrid, er du OK?" spurte han bekymret, mens han så hennes tårer i øynene.En: "Astrid, are you OK?" he asked worriedly, seeing her tears in her eyes.No: På sykehuset fikk de beskjed om at ankelen var forstuet, og legen anbefalte hvile.En: At the hospital, they were told her ankle was sprained, and the doctor recommended rest.No: Astrid var knust; mesterskapet var rett rundt hjørnet.En: Astrid was devastated; the championship was just around the corner.No: Hun kunne ikke la laget sitt ned.En: She couldn't let her team down.No: Bestemt som hun var, begynte hun straks med rehabilitering.En: Determined as she was, she began rehabilitation immediately.No: Leif var ved hennes side, alltid klar til å hjelpe, til tross for at han bar på en hemmelighet – hans følelser for henne.En: Leif was by her side, always ready to help, despite carrying a secret – his feelings for her.No: Dagene gikk, og Astrid gjorde fremskritt.En: The days passed, and Astrid made progress.No: Hun fokuserte på å styrke ankelen, og Leif ble hennes uoffisielle støtte.En: She focused on strengthening her ankle, and Leif became her unofficial support.No: Hans tilstedeværelse betydde mye for Astrid, selv om hun ikke visste om hans følelser.En: His presence meant a lot to Astrid, even though she was unaware of his feelings.No: Det var dagen for finalen.En: The day of the final arrived.No: Astrid følte seg klar til å spille, men treneren var skeptisk.En: Astrid felt ready to play, but the coach was skeptical.No: "Det er en risiko," sa treneren.En: "It's a risk," the coach said.No: Astrid knyttet nevene i frustrasjon.En: Astrid clenched her fists in frustration.No: Da trakk Leif henne til side.En: Then Leif pulled her aside.No: "Hør, Astrid," begynte han nølende.En: "Listen, Astrid," he began hesitantly.No: Så tok han et dypt pust.En: Then he took a deep breath.No: "Jeg må fortelle deg noe.En: "I need to tell you something.No: Jeg har... sterke følelser for deg.En: I have... strong feelings for you.No: Jeg har alltid hatt det.En: I've always had.No: Jeg vil at du skal vite det, uansett hva som skjer."En: I want you to know that, no matter what happens."No: Astrid sto stille, overrasket, men rørt.En: Astrid stood still, surprised, but touched.No: Hennes øyne møtte hans.En: Her eyes met his.No: "Takk, Leif.En: "Thank you, Leif.No: Det betyr mye for meg.En: That means a lot to me.No: Jeg har alltid hatt deg ved min side."En: You've always been by my side."No: Med fornyet mot snudde hun seg tilbake mot treneren.En: With renewed courage, she turned back to the coach.No: "Jeg er klar.En: "I'm ready.No: La meg spille."En: Let me play."No: Selv om laget ikke vant kampen, følte Astrid seg seirende.En: Although the team didn't win the match, Astrid felt victorious.No: Hun hadde gitt alt, og vennskapet med Leif føltes sterkere.En: She had given her all, and the friendship with Leif felt stronger.No: Hun innså at ekte styrke også kom fra å tillate seg å bli støttet av andre.En: She realized that true strength also came from allowing oneself to be supported by others.No: Og Leif, som hadde vunnet sitt eget mot, forstod at ærlighet kunne bringe folk nærmere.En: And Leif, who had won his own courage, understood that honesty could bring people closer.No: Våren i Oslo hadde en ny begynnelse for dem begge.En: Spring in Oslo had a new beginning for both of them. Vocabulary Words:bustling: travleblossomed: blomstretanticipation: forventningshowcasing: vise fremhasty: hastigshoot: skytesprained: forstuetdevastated: knustrehabilitation: rehabiliteringunofficial: uoffisiellpresence: tilstedeværelseskeptical: skeptiskhesitantly: nølendetouched: rørtclenched: knyttetfrustration: frustrasjoncourage: motstronger: sterkeresupport: støttehonesty: ærlighetupcoming: kommenderecommend: anbefalerehabilitation: rehabiliteringdetermined: bestemtstrengthening: styrkehesitantly: nølendevictorious: seirendeallowing: tillaterenewed: fornyetrisk: risiko

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Episode SummaryThe largest IPO in history is here. SpaceX goes public this week with an expected total value of $1.77 trillion, and OpenAI and Anthropic have both announced plans to go public this year at valuations around $1 trillion each. In optometry forums and online communities everywhere, ODs are asking the same question: should I get in?In this episode, we look at 45 years of data and research on how IPOs have actually performed for investors - and then dig into the question that matters more for most listeners: how index funds and other passive funds will add these mega IPOs to their portfolios, and what that means for you.Have questions about your own investment approach? Reach out at podcast@optometrywealth.com.What You'll LearnWhat an IPO is and why 2026's IPOs are historic in sizeHow IPOs have historically performed compared to the broad US stock marketWhy the famous "first-day pop" doesn't benefit everyday investorsThe distribution of individual IPO outcomes over 3 and 5 years — and why most lose moneyWhy periods of peak IPO hype tend to be followed by the worst returnsHow the S&P 500, Russell, CRSP, and MSCI indexes decide when (and how much of) an IPO to includeWhat "float adjustment" means and why these trillion-dollar companies will enter index funds as tiny sliversHow the Nasdaq-100's approach to IPOs differs from broad market indexesWhether index fund "front-running" around IPO inclusions should worry long-term investorsHow factor-based funds like Dimensional handle newly public companiesKey Takeaways for OptometristsInvesting in IPOs right after they go public has historically been a poor strategy. IPOs as a group have trailed the broad market, and when you look at individual companies, roughly 60% lost money over their first three to five years - while a small sliver delivered lottery-like gains that lift the averages. Betting on IPOs means betting you can pick those rare winners.For index fund investors, these mega IPOs will eventually show up in your funds - but because indexes are float-adjusted, even a $1.77 trillion company may enter as a fraction of a percent of the index. The impact on your portfolio, good or bad, is small.The bigger lesson: when hype is at its highest, expected returns tend to be at their lowest. Staying broadly diversified, keeping costs low, and not chasing shiny objects continues to be the prudent approach - and if you do want a lottery ticket, be honest about what it is and size it accordingly.Related Episodes:Ep 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingEp 135: Beyond Indexing – An Optometrist's Guide to Factor-Based InvestingEp 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 153: How to Invest Tax-Efficiently and Keep More of Your Returns (After-tax)Resources for OptometristsLoughran & Ritter (1995), "The New Issues Puzzle" — Journal of FinanceDimensional Fund Advisors (2019), "What to Know About IPOs" research studyDimensional Fund Advisors 2025 video: Do IPOs Have a Place in Your Portfolio?Jay Ritter's Long-Run Returns on IPOs (University of Florida)2025: Primary Capital Market Transactions and Index FundsCullen Roche's Article: Three Things – 100s, SpaceX, & IndexingWant a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

Crime on a ThursdayFirst,  a look at this day in History.Then, Boston Blackie starring Dick Kollmar,  originally broadcast  June 11, 1946, 80 years ago, The Disappearing Plane.   Boston flies back from Boston with evidence about a murder case. The plane disappears. Followed by Encore Theater, originally broadcast June 11, 1946, 80 years ago, The Life of Louis Pasteur starring Paul Lucas.   The story of the famous scientist. Then, Calling All Cars,  originally broadcast  June 11, 1935, 91 years ago, Hot Bonds. Stolen "Liberty Bonds" are being "unloaded" for Pretty Boy Floyd's gang. Floyd himself had died only a few months before this broadcast.Followed by I Was a Communist for the FBI starring Dana Andrews, originally broadcast June 11, 1952, 74 years ago, The American Kremlin.  After seeing a dead body at Party headquarters, Cvetic is sent to New York to subvert a labor union. Cvetic is accused of being an FBI spy by a clever fat man.Finally, Claudia, originally broadcast June 11, 1948, 78 years ago, The Big Plot.  Claudia decides to meddle.  Kathryn Bard and Paul Crabtree star.Thanks to Bill B for supporting our podcast by using the Buy Me a Coffee function at http://classicradio.streamCheck out Professor Bees Digestive Aid at profbees.com and use my promo code WYATT to save 10% when you order! 

You've probably heard of EE savings bonds but do you actually know how they work? Allie and Logan walk through the basics: how they're purchased, the critical 20-year doubling feature, and what to do when they mature. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

David McKnight kicks this episode off by explaining how, for decades, conventional financial wisdom has been saying that, as you approach retirement, you should begin dialing down your stock exposure and increasing your bond allocation. A 60-year-old, for example, would have 40% of their portfolio in stocks and 60% in bonds.  Historically, bonds served three primary functions: They provided income, they reduced portfolio volatility, and they protected retirees from so-called sequence of returns risk. David touches upon how the sequence of returns risk works. Retirees who get hit early often run out of money earlier – in some cases, even 15 years prior to life expectancy. The old approach to retirement planning assumes that bonds could provide meaningful returns while still acting as a stabilizer. However, recent years have shown that bonds are not risk-free. Back in 2022, for instance, the Bloomberg U.S. Aggregate Bond Index lost 13%. Long-term treasuries did even worse, as many lost between 25 to 30% due to rapidly rising interest rates. David stresses that an annuity can do something bonds cannot do: It can guarantee income that you cannot outlive. It's important to realize that whenever your basic living expenses are covered, something profound happens psychologically: You stop depending on your investment portfolio to solve every problem. Furthermore, you feel as if you now have permission to spend. Studies show that those who have guaranteed lifetime income spend 22% more than those who rely strictly on a stock bond portfolio. A properly funded IUL can create a pool of tax-free money that's insulated from stock market loss and available during downturns. David unpacks a strategy that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% success rate. When you combine guaranteed lifetime income from annuities with a volatility shield in the form of IUL, you are no longer reliant on bonds, says David. He also touches upon why retirees who adopt the no-bond power of zero approach begin to take a lot more risk in their stock market allocations. David wraps things up by sharing insights on what retirees should think about and do to increase the likelihood that, in retirement, their money will last as long as they do.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Bloomberg U.S. Aggregate Bond Index

Is the stock market's advance in April and May “too good to be true”? We explore why market pessimism may be missing the bigger picture. Then, Head of Global Small Cap Equities Michael Oliveros joins us to discuss what he learned about artificial intelligence during a recent trip to China, and the emerging economics of space. (Invesco Distributors, Inc.)

Inherited bonds for Americans in Israel can be confusing, especially when a U.S. brokerage statement includes municipal bonds, callable bonds, long maturity dates, and market values that are lower than expected. Understanding how bond prices, interest rates, face value, and maturity dates work can help investors review inherited holdings with more clarity. For Americans living in Israel with U.S. brokerage and IRA accounts, inherited bonds may need a fresh look. A bond may be considered "safe," but that does not automatically mean it is suitable for your tax situation, liquidity needs, retirement plan, or cross-border financial life. Municipal bonds, callable bonds, tax-loss harvesting, and concentration risk should all be reviewed as part of the bigger portfolio picture.  Key takeaways and action points: Review inherited bonds before assuming they still fit your financial plan Understand the difference between a bond being "safe" and a bond being suitable for your current life Check municipal bonds, callable bonds, maturity dates, and market values before making decisions Look at the whole portfolio for concentration risk, tax issues, and cross-border planning gaps Schedule a free introductory call to see if we're a good fit: https://profile-financial.com/call

Prior Session's Trade Execution Summary Grid: The greatest teacher is called "doing." — Kevin Kelly 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: "How to Master the Charts." 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 data due today will offer the latest inflation reading ahead of next week's Federal Reserve meeting, a day after chipmakers suffered a second rout in three trading sessions. 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. (0130-0626) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On Episode 62 of the TID Water & Power Podcast we're joined by TID Chief Financial Officer and Assistant General Manager of Financial Services, Brian Stubbert, to discuss prepay bonds.In a time when everything is getting more expensive, TID remains committed to our mission of providing reliable and competitively priced water and power. As such, TID is always exploring ways to ensure the lowest rates for our customer-owners. One such way, in recent years, has been prepay deals. These complex financial arrangements will provide TID savings on commodities that the District is already purchasing, such as natural gas to generate power. On this episode we discuss how prepay bonds work, how the District is leveraging these bonds, and the reason prepay deals make sense for TID. Let's get social! Facebook: @TurlockIDInstagram: @TurlockIDTwitter: @TurlockIDLinkedIn: /company/turlockidFind out more about TID at https://www.TID.org/podcast. 

What does it really take to go from zero clients to 2,000+ loyal clients in the insurance industry?In this interview, I sit down with agency owner Roderick Bonds, who built an incredible book of over 2,000 final expense clients and helped grow a team of more than 100 agents.Roderick shares the strategies that helped him retain clients, build lasting relationships, create referrals, and develop agents who consistently win. If you're an insurance agent looking to grow your book of business, increase retention, and build a long-term agency, this conversation is packed with practical advice you can apply immediately.Text or call Roderick here: (469) 867-4390 or email him at info@safefareinsurance.com

Oil - Not like 2008, 2022Top - Not seeing typical ingredients to a major market topBubble - Not in equities, but in soverign debt issuance

Bond yields rose sharply on Friday, but why? What you'll hear is that inflation and a strong economy will force the Fed to hike. But that's only half true – the possibility of the rate hike. All the rest of it, not so much. Both markets and American consumers agree wholeheartedly on all of it. In fact, on Friday, inflation expectations in Treasuries dropped to their lowest levels since early March. Yeah, lowest since the start of the conflict and they were never high to begin with.  Eurodollar University's Money & Macro Analysis--------------------------------------------------------------------------------Learn more about Augusta Precious Metals and what they have to offer - including physical gold for IRA accounts - by going to: https://EurodollarGold.com or text EURO to 35052. --------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Prior Session's Trade Execution Summary Grid:   He who wishes to be rich in a day will be hanged in a year. — Leonardo da Vinci 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: "Commit a Little Time Each Day for Success." 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.

Tech stocks led the market higher to start the week after Friday's sell-off. With yields and rate hike expectations rising, CPI and PPI data will be highlights 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. (0130-0626) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Money & Meaning, Jeff Bernier speaks with Peter Nakada, Chief Education Officer at Stone Ridge Asset Management, about alternative investments and the role they can play in building more resilient retirement portfolios. They examine why traditional portfolios are often overly dependent on corporate profits and interest rates, and how “true alternatives” like reinsurance may provide diversification benefits that traditional alternatives cannot. Peter explains catastrophe bonds, quota shares, risk premiums, and the behavioral challenges investors face when allocating to alternative asset classes during periods of uncertainty and market volatility.    Topics covered:  Why traditional portfolios may be overly tied to stocks and bonds The difference between traditional alternatives and “true alternatives” How reinsurance works and why it exists Understanding catastrophe bonds and quota shares Natural disaster risk as an investable risk premium Hard and soft insurance markets and how pricing adjusts after losses Why reinsurance may help improve portfolio resilience in retirement Expected return assumptions for reinsurance strategies Portfolio allocation considerations for alternative investments Behavioral challenges investors face during periods of natural disasters Probability biases and investor psychology in alternative asset classes Why staying invested through market cycles matters    Useful Links:    Jeff Bernier on LinkedIn: https://www.linkedin.com/posts/jeffberniercfp_the-money-and-meaning-show-activity-7202103509700227072-h0Qn/  TandemGrowth Financial Advisors: https://www.tandemgrowth.com/  Peter Nakada on LinkedIn: https://www.linkedin.com/in/peter-nakada  Stone Ridge: https://www.stoneridgeam.com/  Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com) 

Holly Fretwell advocates for partnerships between private entities and federal forests, citing the National Forest Foundation and Blue Forest Conservation's resilience bonds as successful models. She emphasizes the Good Neighbor Authority, which allows states to assist in management, but calls for more revenue flexibility for tribes and counties to sustain local, long-term restoration efforts. (3)1920S