Podcasts about bonds

There is a sector rotation happening and today we're here to discuss it! We also touch on the sudden U.S. conflict with Iran as this is not the time to start reacting emotionally to early headlines, misinformation, and media fear cycles. Keep in mind historical market reactions to prior military strikes; while volatility typically spikes, equity drawdowns have historically been modest and short-lived unless oil supply or credit markets break down. We also highlight that markets are driven more by liquidity and capital flows than headlines and investors should focus on historical patterns, sector positioning, bond duration strategy, and risk management rather than panic, while closely watching oil prices, credit spreads, and bond yields for signs of deeper systemic stress.  We discuss... The concept of the "fog of war," warning listeners not to trust early reports, viral videos, or emotionally charged headlines. Media outlets monetize fear and that investors should avoid panic-driven decisions. Historical data from past U.S. military strikes was reviewed, showing that market drawdowns are typically modest and short-lived. Oil prices spiked on geopolitical risk, but the move was framed as a fear premium rather than confirmed supply disruption. The U.S. dollar was expected to strengthen in the short term as capital seeks safe-haven assets. Sector rotation was highlighted, with money moving out of mega-cap tech and into energy, materials, and defensive sectors. Utilities, staples, and healthcare were identified as traditional late-cycle or risk-off sectors. If capital exits large tech allocations, there are limited sectors large enough to absorb those flows without major price distortions. Bonds were presented as increasingly attractive if interest rates begin to decline. Long-duration bonds tend to benefit most when yields fall due to the inverse price-yield relationship. Lower mortgage rates were projected as a possibility, which could reignite housing demand but also drive home prices higher again. Markets are driven more by liquidity and money flows than by headlines or fundamentals alone. Investors should focus on second- and third-order effects rather than reacting to the immediate shock of war. Credit spreads, bond yields, and oil prices are key indicators to monitor for signs of systemic stress. Remain disciplined, historically grounded, and risk-aware rather than emotionally reactive.   Today's Panelists: Kirk Chisholm | Innovative Wealth Douglas Heagren | Mergent College Advisors Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the full show notes at https://moneytreepodcast.com/sector-rotation-795

Welcome back to another episode of the Bourbon Road podcast! This week, Todd Ritter is holding down the fort solo while Jim Shannon escapes to warmer weather. But Todd isn't drinking alone at the Bourbon Road bar; he's joined by two fantastic returning guests to celebrate the Bottled in Bond Act. Amsey Wenning, the "Alec Baldwin of the show" from the Frankfort Bourbon Society and Bourbon on the Banks, is back, along with filmmaker Bo Cumberland, the director behind the Frankfort: The Heart of Bourbon documentary. The guys dive into a deep discussion about Bo's recent documentary work. With his Frankfort film approaching 22,000 views on YouTube, Bo shares the overwhelmingly positive response it has received. He also talks about his exciting new series, Forging a Bourbon Legacy, which explores the deep, intertwining roots of bourbon history in Anderson County. Through short-form episodes, Bo is uncovering the fascinating stories of families and figures like the Ripy family, the Bonds, Judge McBrayer, and the history behind Wild Turkey, proving that Kentucky's bourbon history is anything but simple. Amsey also shares some incredible news about the Bourbon on the Banks festival, revealing that the charity-driven event recently distributed over $100,000 to local organizations, with volunteers getting a say in where the funds go. Of course, a Bottled in Bond celebration requires some stellar 100-proof whiskeys, and the tasting mat is loaded with unique and highly anticipated pours: First up is a true dusty: 1992 Old Crow Bottled-in-Bond. This 4-year-old Japanese export delivers a classic bourbon nose with rich caramel and dark colors that defy its age. The guys marvel at its luscious mouthfeel and cherry caramel notes, finding it vastly superior to modern iterations of the brand and proving that the "good Old Crow" was truly something special. Next, Amsey brings a unique bottle to the table: Angel's Envy Cask Strength Bottled in Bond. A rare combination of terms, this 6-year-old bourbon achieves its 100 proof through a lower barrel entry proof and meticulous blending rather than adding water. The crew discovers an intriguing almond and amaretto nose, followed by a soft, fruity palate with hints of green apple, light caramel, and a sweet confectioner's sugar finish that drinks surprisingly gentle. Finally, they head south to sample the Old Dominick Bottled in Bond Tennessee Whiskey. Produced in Memphis, this expression features a mash bill of 75% corn, 13% rye, and 12% malted barley. It undergoes the Lincoln County process and is aged in West Tennessee white oak with a heavy #4 alligator char. The result is a bold, earthy pour with notes of dark cherry, sweet pipe tobacco, and a pleasant graininess that finishes with a spicy, white pepper kick. Tune in as the guys sip through these incredible bonded whiskeys, debate the merits of short-form versus long-form storytelling, and share plenty of laughs along the way. Cheers! Be sure to check out our private Facebook group, "The Bourbon Roadies" for a great group of bourbon loving people. You will be welcomed with open arms!

True Crime Tuesday presents The Viper: A Fast Paced Thriller of Family Bonds and Deadly Conspiracies w/Researtcher/Writer/TV Host/Author, Brad Meltzer! Andrew Fechmeier is a master at hiding. He'd better be—he's spent decades concealing a secret that could get him killed. So when he's diagnosed with a terminal disease, he heads for the local funeral home carrying the blue suit he eventually wants to be buried in. But what no one knows is that Fechmeier secretly tucked something inside, turning the suit into a final, untraceable hiding spot.It's a perfect plan. Until Fetch is brutally murdered by a mysterious killer who will stop at nothing to find the priceless object hidden in the suit.Wasting no time, the cunning but unconventional Roddy LaPointe opens an investigation into Fetch's murder, recruiting help from his friend, the brilliant “Zig” Zigarowski. But it doesn't take long for Zig to discover the real reason Roddy cares so much about this case: Fetch's death is tied to Roddy's mother, who was murdered decades earlier.As the relentless killer closes in, Roddy's twin sister—the enigmatic and volatile Nola Brown—starts investigating for herself, uncovering a sinister plot that reveals their mother's dark history, the true identity of her killer, and the shocking secret behind her death.Don't turn your back on The Viper.On today's TCT, we talk to Brad Meltzer about this Third book in the Escape Artist series, the richness of his writing and how he constructs his novels versus other media that he tackles.  We also tak about his "I Am" children's book series including the newly released "I Am Princess Diana" book with Chris Eliopoulos!  We also tackle Decoded, Lost History, and the new Superman vs. Spider-Man comic that Brad has been tapped to write by Marvel! Get your copy of "The Viper" here:  https://bit.ly/3MZyZ1hCheck out Brad's Official YouTube channel:  https://www.youtube.com/@meltzervideos/videosLearn more about Brad at his official website:  https://bradmeltzer.com/Discover.htmlPLUS: AN ALL-NEW DUMB CRIMES/STUPID CRIMINALS W/JESSICA FREEBURG!Check out Jessica Freeburg's website and get tickets to her events here:  https://jessicafreeburg.com/upcoming-events/and check out Jess on Tik Tok:  https://www.tiktok.com/@jessicafreeburgwritesFor the first time, get ALL NEW TRUE CRIME TUESDAY GEAR!  Represent your favorite true crime podcast in style! There are new and different (and really cool) items all the time in the Darkness Radio Online store at our website! . check out the Darkness Radio Store!   https://www.darknessradioshow.com/store/Make sure you update your Darkness Radio Apple Apps!and subscribe to the Darkness Radio You Tube page:  https://www.youtube.com/@DRTimDennis#crime #truecrime #truecrimepodcasts #truecrimetuesday #bradmeltzer #theviper #afastpacedthrilleroffamilybondsanddeadlyconspiracies #iamprincessdiana #decoded #losthistory #supermanvsspiderman #andrewfechmeier #zigandnola #nolabrown #doverairforcebase #Zigarowski #roddybrown #daniellabrown #ivymunn #fish #sheriffarnoldjbix #heavenlymeadows #vincentkoch #arrowrock #dumbcrimesstupidcriminals #TimDennis  #jessicafreeburg #ghoststoriesink #paranormalauthor #massshooting #shootings #stabbings #murder #dismemberment  #drugsmuggling #bribery #publicsex  #floridaman #drugcrimes #foodcrimes #stupidcrimes #funnycrimes  #sexcrimes #dumbcrimes

What does it mean to truly understand the complexities of familial relationships while navigating a vibrant career in Hollywood? Join host Buzz Knight on this episode of takin’ a walk as he engages in a heartfelt and thought-provoking conversation with the multi-talented Gina Gershon. Known for her iconic roles in films like "Bound" and "Showgirls," Gershon takes us on a journey through her latest book, "Alpha Pussy" where she reflects on her unique upbringing and the challenges of caring for her mother during her final days. As the discussion unfolds, Gershon draws fascinating parallels between her adolescent experiences and literary classics such as "Lord of the Flies" and "Mean Girls," offering deep insights into the emotional landscapes that shape our identities. Buzz Knight, with his signature style, delves into Gershon’s diverse career, exploring how her roles have evolved in public perception and what it means to be a part of the ever-changing landscape of American music and film. But it’s not just about acting; Gina Gershon shares her passion for music and how it intertwines with her artistry. From performing at the renowned Cafe Carlyle, to her exploration of different music genres, she reveals the profound impact music has had on her life and career. Discover the stories behind her songs and the emotional healing that music can bring, as Buzz Knight guides this inspiring conversation. Throughout this episode of takin’ a walk, Gershon emphasizes the significance of self-awareness and personal growth, offering reflections on creativity and freedom. Her journey is a testament to the resilience found in the arts and the importance of understanding our roots and influences. Whether you’re a fan of classic rock history, indie music journeys, or simply looking for inspiring artist interviews, this episode is packed with insights that resonate deeply. Join us for this engaging episode of takin’ a walk, where Buzz Knight and Gina Gershon explore the intersection of music, family, and personal storytelling. This is not just a conversation; it’s an invitation to reflect on your own creative journey and the stories that shape who you are. Tune in now and be inspired by the powerful narratives that come from the heart of the music industry! #coolest music podcast Support the show: https://takinawalk.com/See omnystudio.com/listener for privacy information.

While broadcasting from the Los Angeles Religious Education Congress, Father Dave welcomes Anne Kertz Kernion to help us better understand the connection of body, mind and soul. Anne is a former college professor with a graduate degree in theology and a background in science, engineering, and neuroscience. She writes about these topics in her latest book "The Four Connections: How to Flourish by Aligning Your Beliefs, Body, Brain, and Bonds."

This episode dives into the surprisingly emotional world of fixed income investing, exploring whether traditional bond funds like BND still make sense or if newer laddered bond ETFs offer a psychological edge by returning principal at a set maturity date. Don and Tom unpack how these ETFs compare to CD ladders, why capital gains should never be expected from bonds, and how investor psychology often drives the preference for “certainty.” They also congratulate Dimensional Fund Advisors on reaching $1 trillion in assets, discuss whether laddering target-date funds makes planning easier or just more complicated, and answer listener questions about transferring accounts from Morgan Stanley to Vanguard and managing tax consequences along the way. 0:04 Bonds vs. crypto — why fixed income feels boring but matters 1:02 Why bonds exist in portfolios (stability, income, not growth) 2:18 Introduction to laddered bond ETFs (Invesco, iShares, Vanguard) 3:51 Bond returns in 2025 and the “don't expect capital gains” rule 5:03 The psychological problem with bond funds (they never mature) 6:54 How target-maturity bond ETFs differ from traditional bond funds 11:28 Yield comparisons across laddered maturities vs. BND 13:14 When laddered ETFs might make sense (income timing, certainty) 15:09 Dimensional Fund Advisors reaches $1 trillion in assets 19:57 Listener: Laddering target-date funds instead of bonds 23:19 Listener: Transferring IRA and taxable accounts to Vanguard Learn more about your ad choices. Visit megaphone.fm/adchoices

The bond market is shifting, and understanding bonds is critical in today’s interest rate environment. In this episode, David Hollander discusses bond basics, including yield, duration, callable bonds, and the yield curve, while explaining how falling interest rates may impact income, portfolio stability, and retirement planning. If you’re holding cash, approaching retirement, or reviewing your fixed income strategy, this episode will help you better understand what’s happening and what to consider next. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/See omnystudio.com/listener for privacy information.

US equity futures are under pressure with S&P down . Bonds mixed. US 10-year yield is firmer at 4%. Gilts off 1 bps at 4.3%. Dollar is mostly firmer, though off session highs in overnight trade. Oil sharply higher with WTI crude up around 7.5%. European gas prices more than 20% higher. Gold and silver gain. Industrial metals firmer. Bitcoin lower. US and Israel launched air strikes against Iran that targeted military assets, government and IRGC facilities and missile bases, killing Supreme Leader Khamanei and several high-level officials. Trump is optimistic about war's progress, mentioning offramps and claiming Iran's new leaders in talks. Media sources also note Iran's security chief has reached out for fresh nuclear talks. Iran has widened retaliation to Gulf states, resulting in airport shutdowns. Conflict has also disrupted shipping through Strait of Hormuz though oil price impact subject to multiple variables.Companies Mentioned: Paramount Skydance, Warner Bros. Discovery

War in the Middle East shifted focus to oil prices and could trigger volatility and a flight to perceived safety. Trading might be turbulent until ramifications grow clearer. Important Disclosures This material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request. Past performance is no guarantee of future results. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0131-0326)   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Hungarian: Frozen Budgets and Warm Bonds: A Winter Tale in Budapest Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-02-28-08-38-20-hu Story Transcript:Hu: A tél hideg szele fagyos utakat varázsolt Budapest egyik kevésbé ismert városrészében.En: The cold winter wind had turned the streets into freezing paths in a lesser-known district of Budapest.Hu: Az emberek vastagon öltözve siettek a dolgukra, próbálva megbirkózni a jégcsapokkal a járdán.En: People hurried about their business, dressed warmly, trying to contend with the icicles on the sidewalks.Hu: Egy forgalmas közért ajtaján Bence, Réka és László léptek be.En: Bence, Réka, and László stepped into the entrance of a busy local store.Hu: Kihívás előtt álltak: a hétre elegendő élelmet kellett vásárolniuk, mégis alig maradt pénzük.En: They faced a challenge: they needed to buy enough food for the week, yet they had little money left.Hu: Bence volt a legidősebb, mindössze húszas évei elején járt, de a gondoskodás terhe megkeményítette vonásait.En: Bence was the oldest, just in his early twenties, but the burden of responsibility had hardened his features.Hu: Réka, a csendes és megfigyelő természetű húga, szorosan mellette volt.En: His sister, Réka, quiet and observant, was closely by his side.Hu: László, az idősebb unokatestvér, aki bár ritkán segített, most mégis itt volt.En: Their older cousin, László, who rarely helped, was also there this time.Hu: László könnyed sármja mindig újabb ötleteket hozott, amelyek gyakran távol álltak a szükségletektől.En: László's easy charm always brought new ideas, often far from what was necessary.Hu: "Bence, nézd ezt a csokoládét!" kiáltott fel László, ahogy megpillantott egy polcot, ami tele volt finomabbnál finomabb édességekkel.En: "Bence, look at this chocolate!" László exclaimed as he spotted a shelf filled with indulgent sweets.Hu: "Vigyük, csupán egyszer élünk!"En: "Let's get it, you only live once!"Hu: Bence mély levegőt vett. A szemét a bevásárlólistára szegezte, amit napokkal korábban gondosan írt össze.En: Bence took a deep breath and focused his eyes on the shopping list he had carefully written days before.Hu: Érezte a pénz szorítását a zsebében, minden forintot meg kellett számolnia.En: He felt the squeeze of money in his pocket, needing to account for every forint.Hu: "Csak a legszükségesebbeket vehetjük," válaszolta higgadtan, bár szíve hevesebben vert.En: "We can only buy the essentials," he replied calmly, though his heart was beating faster.Hu: Réka bátyja mellett állva bólintott, s figyelmesen nézte, ahogyan Bence rakosgatta az alapvető élelmiszereket a kosárba: kenyér, tej, néhány zöldség és némi hús, ami elegendő lehetett egy hétre.En: Standing next to her brother, Réka nodded and watched as Bence meticulously placed basic foods into the basket: bread, milk, a few vegetables, and some meat that could last them a week.Hu: László közben tovább nézelődött, az ott sorakozó csábító finomságok között.En: Meanwhile, László continued browsing among the tempting delicacies lined up there.Hu: Bence épp az áruház közepén volt, amikor megpillantott egy nagyobb kupacot a kosárban - tele cukrokkal, süteményekkel és néhány drága étellel, amit László odacsempészett.En: Bence was in the middle of the store when he noticed a larger pile in the basket—full of candies, pastries, and some expensive foods that László had sneaked in.Hu: Meggyorsítva lépteit, odasietett Lászlóhoz. "Ezeket nem vehetjük meg," jelentette ki határozottan, bár hangjában volt némi bizonytalanság.En: Quickening his pace, he hurried over to László. "We can't buy these," he stated firmly, though there was a hint of uncertainty in his voice.Hu: "De minek annyira spórolni?" kérdezte László, karjait széttárva a csendesen odaforduló vásárlók előtt.En: "But why save so much?" László asked, spreading his arms wide to the quietly turning customers.Hu: "Élvezzük az életet!"En: "Let's enjoy life!"Hu: Itt jött el az a pillanat, amikor Bencének fel kellett emelnie a hangját, hogy megvédje álláspontját.En: This was the moment when Bence had to raise his voice to defend his position.Hu: "Az élvezet most más lesz, László. Az, hogy nem éhezünk! Réka és én számítunk erre a pénzre."En: "Enjoyment will be different now, László. It's not going hungry! Réka and I are counting on this money."Hu: A feszültség érezhető volt, de Bence nem hátrált meg.En: The tension was palpable, but Bence did not back down.Hu: Mélyen a szemébe nézett Lászlónak, aki végül vállat vont, és némán visszatette a felesleges holmikat.En: He looked deep into László's eyes, who finally shrugged and silently put the unnecessary items back.Hu: Réka Bencéhez simult, hálásan tekintve rá, ami bátorságot és megerősítést adott neki.En: Réka cuddled up to Bence, looking gratefully at him, which gave him courage and reinforcement.Hu: Miután Bence újra összeállította a kosarat, a pénztárnál mindvégig odafigyelt, hogy csakis a szükséges tételek legyenek ott.En: After Bence reassembled the basket, he carefully monitored at the checkout to ensure only the necessary items were present.Hu: Az élelmiszerek ára magas volt, de így is sikerült betartania a költségvetést.En: The food prices were high, but he still managed to stick to the budget.Hu: Ahogy kiléptek a boltból, a hideg szél ismét megcsapta arcukat, de Réka és Bence elégedett mosollyal néztek körül.En: As they exited the store, the cold wind once again brushed their faces, but Réka and Bence looked around with satisfied smiles.Hu: László némán sétált mellettük, mintha csak most kezdte volna megérteni, mit is jelent a felelősség.En: László walked silently beside them, as if he had just begun to understand what responsibility means.Hu: Bence ezen a napon tanult valami fontosat - megtalálni az egyensúlyt a szigor és a testvéri szeretet között.En: Bence learned something important that day—finding the balance between strictness and sibling love.Hu: Bár az utca hideg maradt, a szívükben valami melegebbé vált, ahogy együtt hazafelé indultak a jeges utakon.En: Even though the street remained cold, something warmer had developed in their hearts as they headed home together on the icy roads. Vocabulary Words:freezing: fagyoscontend: megbirkózniicicles: jégcsapokburden: teherhardened: megkeményítetteobservant: megfigyelőcharm: sármindulgent: finomabbnál finomabbsqueeze: szorításessentials: legszükségesebbekmeticulously: gondosantempting: csábítódelicacies: finomságokquickening: meggyorítvauncertainty: bizonytalanságquietly: halkan/csendesenenjoyment: élvezetpalpable: érezhetőreinforcement: megerősítésmonitored: odafigyeltcheckout: pénztárbudget: költségvetéssatisfied: elégedettresponsibility: felelősségbalance: egyensúlystrictness: szigorwarmth: melegségicy: jegespaths: utakchallenge: kihívás

AI vs SaaS: Seat + Consumption Can CoexistSalesforce, Workday, Nvidia, Zoom, Block | Around the DeskThis week on Around the Desk, Sean Emory breaks down a pivotal week for AI and enterprise software.Are seat-based models being replaced?Or is AI expanding the value of platforms?Using earnings and data from Salesforce, Workday, Nvidia, Zoom, and Block, Sean argues AI is enhancing durable platforms, not eliminating them. The winners are likely multi-product ecosystems with compliance depth, proprietary data, and embedded workflows. Not point solutions.00:00 Welcome and Disclaimer00:43 AI vs SaaS Big Week02:13 Platforms vs Point Solutions03:46 Salesforce Seats + Agents07:06 Jobs Data10:08 Buybacks + Workday12:07 Inflation + Breadth14:17 Nvidia + Valuations17:26 AI Adoption + Limits19:03 Capitulation Setup22:08 Portfolio Updates26:19 ClosingDisclaimerThis content is for informational and educational purposes only and does not constitute investment advice, an offer, or a solicitation to buy or sell any security. The views expressed are as of the recording date and may change. The host and affiliated entities may hold positions in the companies discussed. Investing involves risk, including potential loss of principal. Always conduct your own research and consult a licensed financial advisor before making investment decisions.© 2026 Avory & Co. All rights reserved.

In this episode, Kathy Jones announces that she will be retiring soon and that Collin Martin, Schwab's Head of Fixed Income Research, will take over as co-host of On Investing. Liz Ann and Kathy also discuss the latest bout of volatility caused by future concerns around AI.  Then, Kathy is joined by Claudia Sahm, former economist for the Federal Reserve, former economist for the White House Council of Economic Advisors, and now chief economist for New Century Advisors. Kathy and Claudia discuss the path forward for the Federal Reserve, in terms of setting policy. They cover the state of the labor market, certain issues regarding the quality of the data produced, and the potential impact of AI on labor supply, among other issues. You can keep up with Claudia Sahm her on her Substack newsletter called “Stay-at-Home Macro.” 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 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.  The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.  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. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data. Diversification strategies do not ensure a profit and do not protect against losses in declining markets. 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  (0226-GYWH) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

US equity markets are lower, with S&P down 0.2%, following mixed performance on Thursday. Bonds firmer. US 10-year benchmark down 1 bp at 4%. Gilts 2 bps lower at 4.3%. Bund eases to 2.7%. Dollar softer versus European majors, little changed versus yen. Oil up. Gold flat. Industrial metals higher. Bitcoin weaker. UK politics likely to get some attention after Greens won the Gorton and Denton by-election in greater Manchester, with Reform coming second. Further reports highlighting the likelihood of a very lowkey fiscal update from Chancellor Reeves next Tuesday, as she seeks to end cycle of policy speculation. Update from the UK National Audit Office showed HMRC collected extra £16B from biggest firms last year via a more hands-on approach.Companies Mentioned: Warner Bros. Discovery, Partners Group Holding, CPPIB, Equinix, Alphabet, Meta

January PPI could be a road sign for the Fed, and the broader market is barely changed this week despite Thursday's Nvidia-led sell off in tech. Next week is packed with jobs data. Important Disclosures This material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request. Past performance is no guarantee of future results. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0128-0226) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Hungarian: Rekindling Bonds: A Winter Reunion in Budapest's Aquarium Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-02-27-08-38-20-hu Story Transcript:Hu: Budapesten hideg tél van, hó fedi a várost.En: In Budapest, it's a cold winter, snow covering the city.Hu: Janka azonban meleget visz a szívében.En: However, Janka carries warmth in her heart.Hu: Különleges meglepetéssel készül Bencének és Rékának a Fővárosi Állat- és Növénykert Akváriumában.En: She's preparing a special surprise for Bence and Réka at the Fővárosi Állat- és Növénykert Akváriumában (Municipal Zoo and Botanical Garden Aquarium).Hu: Janka izgatottan várja, hogy a farsangi szezon díszleteivel teli akváriumban újra összehozza régi barátait.En: Janka is excited to bring her old friends together again in the aquarium filled with carnival season decorations.Hu: Janka sietve halad az akvárium bejárata felé.En: Janka hurries towards the entrance of the aquarium.Hu: Színes lampionok lógnak mindenütt.En: Colorful lanterns hang everywhere.Hu: A halak élénk színekben úszkálnak fölöttük.En: Fish swim in bright colors above them.Hu: Réka és Bence régóta nem találkoztak.En: Réka and Bence haven't met in a long time.Hu: Janka szeretné, ha újra úgy nevetnének együtt, mint régen.En: Janka hopes they will laugh together again like they used to.Hu: Réka először nemet mondott.En: Réka initially said no.Hu: Sok a munka, nem ér rá, mondta.En: Too much work, she said, she didn't have time.Hu: De Janka tudja, hogy Réka mindig élvezte az ilyen különleges hangulatú összejöveteleket.En: But Janka knows that Réka always enjoyed gatherings with such a special atmosphere.Hu: Leült Rékával egy kávé mellett és mesélt neki arról, mennyire fontos volt egyszer mindannyiuknak ez a barátság.En: She sat down with Réka over coffee and told her how important their friendship once was to all of them.Hu: Bence is vonakodott.En: Bence was also reluctant.Hu: Nemrég jött vissza külföldről és nem biztos, hogy még érdekli őt a régi kapcsolatok ápolása.En: He recently returned from abroad and wasn't sure if he was still interested in maintaining old relationships.Hu: Janka azonban kitartó volt.En: However, Janka was persistent.Hu: Meglátogatta Bencét, és elhozott neki egy régi fotót, ahol mindhárman együtt álltak egy farsangi ünnepségen.En: She visited Bence and brought him an old photo where the three of them were together at a carnival event.Hu: Ez egy kicsit elgondolkodtatta Bencét.En: This made Bence think a little.Hu: A találkozó napjához közeledve Janka izgult.En: As the day of the meeting approached, Janka was anxious.Hu: Vajon jól döntött-e?En: Did she make the right decision?Hu: Az akvárium belsejében a zene hangulatosan betöltötte a teret.En: Inside the aquarium, music pleasantly filled the space.Hu: A halak csendesen libbentek, mintha táncolnának.En: The fish quietly flickered as if they were dancing.Hu: Bence és Réka megérkeztek.En: Bence and Réka arrived.Hu: Kicsit feszengtek az elején, de Janka elkezdett mesélni egy régi történetet róluk.En: They were a little tense at first, but Janka began to tell an old story about them.Hu: Ahogy a történetek előkerültek, Bence és Réka közötti feszültség lassan oldódott.En: As the stories came out, the tension between Bence and Réka slowly eased.Hu: A színes halak alatt Réka egy mosollyal idézte fel, hogyan úsztak régi farsangkor a karneváli maszkok alatt.En: Under the colorful fish, Réka recalled with a smile how they swam with carnival masks during past carnivals.Hu: Bence nevetett.En: Bence laughed.Hu: A múlt pillanatai fényt hoztak.En: Moments from the past brought light.Hu: Az akváriumban újra megjelent a barátság melege.En: The warmth of friendship reappeared in the aquarium.Hu: Este, mikor a fényszórók fényében hajókáznak az akvárium fölött, nevettek és emlékeket idéztek.En: In the evening, as they cruised above the aquarium in the spotlight's glow, they laughed and reminisced.Hu: Janka boldogan nézte őket.En: Janka watched them happily.Hu: Tudta, hogy barátai újra megtalálták a közös hangot.En: She knew her friends had found common ground again.Hu: Vidám búcsút intettek egymásnak, megfogadva, hogy innentől gyakrabban keresik majd a másikat.En: They waved a cheerful goodbye, promising to stay in touch more often.Hu: Az egykori barátság újraéledt, és velük együtt Janka melegséggel gondolt a nap sikerére.En: The former friendship was rekindled, and Janka thought warmly of the day's success.Hu: Azon az estén a hideg Budapestben még a levegő is barátságosnak tűnt.En: On that evening, even in cold Budapest, the air seemed friendly. Vocabulary Words:rekindled: újraéledtanxious: izgultpersistent: kitartóreluctant: vonakodottgatherings: összejöveteleklanterns: lampionokreminisced: emlékeket idéztekflickered: libbentektension: feszültségcommon ground: közös hangotsurprise: meglepetésselrecalled: felidézteswam: úsztakatmosphere: hangulatosmet: találkoztakdecorations: díszleteivelabroad: külföldrőlapproached: közeledvepleasantly: hangulatosantense: feszengtekenthusiastically: izgatottanmaintaining: ápolásahesitant: habozottenjoyed: élveztebrought: hozottfilled: betöltöttebotanical: növénykerthung: lógnakfarewell: búcsútkindness: barátságos

Yields have every reason to go up—and they're not. Neil Dutta, Head of Economic Research at Renaissance Macro, joins Global Macro Update to explain what that signal means and why he's more cautious on the economy than the current consensus. Neil was among the few against the 2022 recession narrative and was proven right. Now he's watching the same four indicators, and the conclusion has flipped. Plus: tariffs, AI and the labor market, and a candid take on the Kevin Warsh Fed chair nomination.

US equity futures are softer with S&P slightly down. Bonds mixed. US 10-year steady at 4%. US dollar flat, yen stronger on hawkish BOJ comments, yuan also strengthened sharply following lower fixing point this morning by the PBOC. Crude futures continued to trade in a tight range. Base metals lower, precious metals also giving up some ground. Cryptocurrencies mixed. Oil is up. Early focus is on earnings from Nvidia, which delivered widely expected beat and raise. Muted response to earnings. Flagged upside to $500B Blackwell and Rubin revenue pipeline, which street was expecting. CEO Huang struck usual bullish tone, noting compute demand rising exponentially. Meanwhile, European markets are taking influence from heavy earnings calendar.Companied Mentioned: LSI Industries, Pacific West Bancorp, Shell Plc

Is your white-collar career about to be automated out of existence? We dive into the chilling 2028 forecast that sent the markets into a tailspin and reveal the "Barbell Strategy" for surviving the coming deflationary crisis.Welcome to the Alfalfa Podcast

Bill Fleckenstein, founder and president of Fleckenstein Capital, returns for a wide-ranging conversation covering what he calls one of the most confusing macro environments of his 40-plus year career. He breaks down how the passive bid has fundamentally changed market dynamics, creating an artificially priced market that is not a true price discovery mechanism and cannot end well. Beneath the surface of a tape that is only a couple percent off all-time highs, Bill sees a stealth rotation away from high-flying tech and AI names into old economy stocks — but without the contagion a pre-passive-bid market would have experienced. On gold, Bill explains why the move to $5,000 is a function of eroding confidence, weaponized financial systems, and unmanageable sovereign debt — and why the bull market is far from over since Americans have barely shown up to the party. He also issues a pointed warning on bonds, arguing the bond market has not sanctioned the Fed's rate cuts in what could be the early stages of the market taking the printing press away from the Fed — and predicts yield curve control is likely coming under the next Fed chair regardless of who it is.Links: Book: https://www.amazon.com/Greenspans-Bubbles-Ignorance-Federal-Reserve/dp/0071591583 Twitter/X: https://twitter.com/fleckcap Website: https://www.fleckensteincapital.com/0:00 Intro and welcome back Bill Fleckenstein1:39 Big picture macro view - "confused"4:24 Splatterings beneath the surface — what's really happening in the market5:51 The passive bid explained — why rotation feels impossible7:25 The tape holds together while market cap gets destroyed underneath10:58 Why the market isn't cracking — what would have happened without the passive bid12:40 Is this still a free market? The dangerous setup nobody appreciates15:16 Short selling 18:23 Bill's positioning 19:21 Gold at $5,100 24:18 Silver 30:33 Why gold should have been higher all along the way36:00 US debt at $38.7 trillion — is there a breaking point or slow erosion?37:49 Bonds — the big story most people are missing40:00 Is the bond market losing trust in the Fed?41:00 The bond market will ultimately take the printing press away from the Fed42:06 Inflation psychology — why the consequences of inflation are not transitory44:45 Kevin Warsh as Fed Chair 45:37 Yield curve control is coming 49:04 What would get Bill to deploy his 30-40% cash position51:26 The biggest risk nobody is talking about — the passive bid54:26 Parting thoughts and where to find Bill — fleckensteincapital.com

WE WILL BE ON A ONE WEEK VACATION BREAK NEXT WEEK, MARCH 2-6, 2026. The great aim of education is not knowledge, but action. — Herbert Spencer Prior Session's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Navigating the Minefield: Dodging Common Trading Pitfalls for Sustained." 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.

Nvidia's results, and to a lesser extent earnings from Salesforce, are the main focus this morning after a tech-led rally to two-week highs yesterday. PPI looms early Friday. Important Disclosures This material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request. Past performance is no guarantee of future results. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0128-0226) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Hebrew: Brewing Bonds: A Coffee Tale from Tel Aviv Find the full episode transcript, vocabulary words, and more:fluentfiction.com/he/episode/2026-02-26-08-38-20-he Story Transcript:He: בוקר חורפי אחד בתל אביב, אווירת הרחוב הייתה רטובה וקררה ולמרות זאת המחסן של הקפה היה חם ומזמין.En: One wintery morning in Tel Aviv, the street atmosphere was wet and chilly, yet the coffee warehouse was warm and inviting.He: אבי נכנס פנימה, מחפש את הקסם שישנה את הבוקר שלו – תערובת הקפה המושלמת.En: Avi stepped inside, searching for the magic that would change his morning – the perfect coffee blend.He: שורות של מדפים מעץ מלאים בשקיות קפה מארצות שונות קיבלו את פניו.En: Rows of wooden shelves filled with bags of coffee from different countries greeted him.He: ריח הקפה הנפלא מילא את חלל הרוסטריה.En: The wonderful aroma of coffee filled the roastery space.He: אבי היה נרגש, אך גם קצת לחוץ.En: Avi was excited, but also a bit nervous.He: הוא רצה להפתיע את נועה, חברתו לעבודה, שתפסה את תשומת ליבו לאחרונה.En: He wanted to surprise Noa, his coworker, who had recently caught his attention.He: הוא שמע שהיא אוהבת קפה טוב, והוא ידע שכוס קפה טובה תשאיר רושם נהדר.En: He heard she loved good coffee, and he knew a good cup of coffee would leave a great impression.He: אבל איך ידע לבחור את התערובת המתאימה?En: But how would he know which blend to choose?He: מיא נכנסה לתמונה.En: Maya stepped in.He: היא הייתה הבריסטה המנוסה במקום, תמיד עוזרת אל הלקוחות ויודעת בדיוק איזו תערובת תתאים לכל אדם.En: She was the experienced barista at the place, always helping customers and knowing exactly which blend would suit each person.He: אבי התקרב אליה והיא חייכה אליו, "שלום, אני מאיה.En: Avi approached her, and she smiled at him, "Hello, I'm Maya.He: איך אוכל לעזור?En: How can I help?"He: ""שלום," ענה אבי, "אני מחפש תערובת מיוחדת.En: "Hello," replied Avi, "I'm looking for a special blend.He: אני רוצה להרשים חברה.En: I want to impress a friend."He: "מיא חייכה שוב והובילה את אבי לפינת הטעימות.En: Maya smiled again and led Avi to the tasting corner.He: "נסה את התערובת הזו," היא הציעה, מזגה בקפידה את הקפה לכוס קטנה.En: "Try this blend," she suggested, carefully pouring the coffee into a small cup.He: "זו תערובת ערביקה מאתיופיה עם נגיעה של קפה קטן מקולומביה.En: "This is an Arabica blend from Ethiopia with a touch of a small coffee bean from Colombia.He: טעמים פרחוניים, פירותיים.En: Floral, fruity flavors."He: "אבי טעם בזהירות, וחיוך גדול התפשט על פניו.En: Avi tasted cautiously, and a big smile spread across his face.He: היה זה קפה שלא רק הוא אהב, אלא גם ידע שנועה תתלהב ממנו.En: It was coffee not only he liked but also knew that Noa would be thrilled with it.He: "זה מושלם," הכריז בחיוך.En: "It's perfect," he declared with a smile.He: בהתרגשות הוא רכש את השקית ונפרד לשלום ממיא.En: Excitedly, he purchased the bag and bid farewell to Maya.He: בדרכו החוצה, הרגיש מלא ביטחון, מצפה לפגישת הקפה הקרובה עם נועה.En: On his way out, he felt full of confidence, looking forward to the upcoming coffee meeting with Noa.He: הקור בחוץ לא הפריע לו יותר, לבו היה חם מתמיד.En: The cold outside no longer bothered him; his heart was warmer than ever.He: בערב, אבי הכין את התערובת המיוחדת בביתו והזמין את נועה לנסות אותה.En: In the evening, Avi prepared the special blend at home and invited Noa to try it.He: הם ישבו יחד, כל אחד עם כוס קפה, והתחלקו בחיוך על כל שלוק.En: They sat together, each with a cup of coffee, sharing a smile with every sip.He: כך, עם כוס קפה חמה בידה של נועה, אבי הרגיש שהצליח לא רק להרשים, אלא גם ליצור קשר חזק יותר עם מי שהיה קרוב לליבו.En: Thus, with a warm cup of coffee in Noa's hand, Avi felt he had not only impressed her but also created a stronger connection with someone who was close to his heart. Vocabulary Words:wintery: חורפיwarehouse: מחסןinviting: מזמיןblend: תערובתshelves: מדפיםaroma: ריחroastery: רוסטריהimpress: להרשיםspecial: מיוחדתfloral: פרחונייםfruity: פירותייםdeclared: הכריזconfidence: ביטחוןupcoming: הקרובהbothered: הפריעtogether: יחדshared: התחלקוsavor: שלוקrelationship: קשרexperienced: מנוסהcustomers: לקוחותcarefully: בקפידהcautiously: בזהירותthrilled: תתלהבfarewell: להתראותsurprise: להפתיעattention: תשומת לבcreate: ליצורstronger: חזק יותרmeeting: פגישתBecome a supporter of this podcast: https://www.spreaker.com/podcast/fluent-fiction-hebrew--5818690/support.

Fluent Fiction - Mandarin Chinese: Brewed Bonds: Art Meets Science Under Winter Skies Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2026-02-26-23-34-02-zh Story Transcript:Zh: 咖啡烘焙店里，空气中充满了新鲜烘焙咖啡豆的香气。En: In the coffee roasting shop, the air was filled with the aroma of freshly roasted coffee beans.Zh: 窗外的阳光透过大窗户洒落在木制桌上，给这个学习的好地方增添了不少温暖。En: Sunlight streamed through the large windows, casting a warm glow on the wooden tables, adding a touch of warmth to this great place for studying.Zh: 墙上贴着本地咖啡农场的海报，不时提醒着顾客们这里的地域文化。En: On the walls hung posters of local coffee farms, constantly reminding customers of the regional culture here.Zh: 这个冬天的晚上，明煜和莉娜坐在一张桌子边。En: On this winter evening, Mingyu and Lina sat at a table.Zh: 窗外飘着小雪，正是元宵节前夕，空气中弥漫着节日的期待。En: Light snow was falling outside, it was the eve of the Yuanxiao Festival, and the air was filled with the anticipation of the festival.Zh: 明煜是一个环境科学专业的学生，认真且对可持续发展充满热情。En: Mingyu was an environmental science student, serious and passionate about sustainability.Zh: 他希望他们的学校项目能展示在日常生活中如何实现可持续性。En: He hoped their school project could demonstrate how to achieve sustainability in daily life.Zh: 而莉娜是一位艺术学生，她喜欢中国传统文化和现代诠释，并希望将艺术的视觉元素融入到他们的项目中。En: Meanwhile, Lina was an art student who loved traditional Chinese culture and modern interpretations, and she wanted to incorporate visual elements of art into their project.Zh: 然而，他们的合作并不顺利。En: However, their collaboration was not going smoothly.Zh: 明煜希望通过数据表达，但莉娜更喜欢用抽象的、创造性的方式展现想法。En: Mingyu hoped to express ideas through data, but Lina preferred abstract and creative methods to convey concepts.Zh: 不同的风格让他们的项目推进艰难。En: Their different styles made it difficult to advance the project.Zh: 两人不断争论，每次都没能找到解决方案。En: They constantly argued, never able to find a solution.Zh: 项目截止日期将至，他们不得不改变策略。En: As the project deadline approached, they had to change their strategy.Zh: 终于，在这个充满咖啡香气的烘焙店中，两人达成了共识。En: Finally, in this coffee-scented roasting shop, they reached a consensus.Zh: 明煜放下了对数据展示的严格要求，选择接纳更多创意元素。En: Mingyu lowered his strict demands for data presentation, choosing to accept more creative elements.Zh: 而莉娜也决定将明煜的科学发现融入她的艺术作品中。En: Meanwhile, Lina decided to incorporate Mingyu's scientific findings into her art.Zh: 他们一起想出了一个新的展示思路，用回收材料做一个结合科学和艺术的展览。En: Together, they came up with a new presentation idea, using recycled materials to create an exhibit that combined science and art.Zh: 不过，任务仍然艰巨。En: Nevertheless, the task was still formidable.Zh: 在接下来的几天，他们几乎每天都要待到深夜。En: In the following days, they stayed up late almost every night.Zh: 他们的合作变得越来越顺利，欣赏对方的长处也越来越多。En: Their collaboration became increasingly smooth, and they grew to appreciate each other's strengths more and more.Zh: 那些在他们共同努力下制作的作品，渐渐地焕发出别样的光彩。En: The works they created through their joint efforts gradually took on a unique glow.Zh: 元宵节的夜晚，他们终于实现了项目的全部想法。En: On the night of the Yuanxiao Festival, they finally realized all their project ideas.Zh: 展览上，他们的作品结合了数据和艺术，完美地展示出“可持续性”这个抽象的概念。En: At the exhibition, their works combined data and art, perfectly showcasing the abstract concept of "sustainability."Zh: 明煜用科学知识说明了他们的选择，而莉娜的艺术作品则让人们看到了科学的美。En: Mingyu used scientific knowledge to explain their choices, while Lina's art allowed people to see the beauty of science.Zh: 项目展示那天，他们的作品赢得了科学和艺术两个系的高度赞扬。En: On the day of the project presentation, their work received high praise from both the science and art departments.Zh: 每个人都对这场精彩的展示赞不绝口。En: Everyone was full of praise for this outstanding display.Zh: 通过这次合作，明煜意识到了创造力和灵活性在展示科学概念上的价值。En: Through this collaboration, Mingyu realized the value of creativity and flexibility in presenting scientific concepts.Zh: 而莉娜则对明煜带来的系统方法和事实基础有了更深的理解。En: Meanwhile, Lina gained a deeper understanding of the systematic approach and factual basis that Mingyu brought.Zh: 这个冬天的末尾，元宵节的灯光照亮了他们的心灵，也照亮了他们的友谊。En: At the end of this winter, the lights of the Yuanxiao Festival illuminated their hearts and their friendship. Vocabulary Words:aroma: 香气roasting: 烘焙glow: 光亮anticipation: 期待sustainability: 可持续性incorporate: 融入abstract: 抽象的consensus: 共识formidable: 艰巨的collaboration: 合作appreciate: 欣赏unique: 独特的illuminated: 照亮interpretations: 诠释exhibit: 展览elements: 元素smoothly: 顺利地presentation: 展示praise: 赞扬outstanding: 精彩的concepts: 概念flexibility: 灵活性systematic: 系统的approach: 方法basis: 基础convey: 展现exhibited: 展示recycled: 回收的passionate: 热情的demonstrate: 展示

Fluent Fiction - Mandarin Chinese: Secrets and Tea: Healing Bonds Beneath Lantern Lights Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2026-02-26-08-38-20-zh Story Transcript:Zh: 在杭州的一个冬日，茶香四溢的茶馆内，隐约传来街外灯笼节的热闹声。En: On a winter's day in Hangzhou, in a tea house filled with the fragrance of tea, the distant sounds of a lantern festival could be heard faintly from the street outside.Zh: 明在茶馆里忙碌，他用心冲泡每一壶茶，温暖的灯光映射在木雕上，空气中弥漫着绿茶的香气。En: Ming was busy in the tea house, carefully brewing every pot of tea.Zh: 而此时，明的心中比外面的空气更冷，因为一桩过去的错误在折磨着他。En: The warm light reflected off the wooden carvings, and the air was filled with the aroma of green tea.Zh: 莲，是明的老朋友，也是一位热衷写旅行游记的作家。En: Yet, at this moment, Ming's heart was colder than the air outside because a past mistake was tormenting him.Zh: 她这次回来，希望能从明的茶馆中找到新的灵感。En: Lian, Ming's long-time friend and a writer passionate about travel journals, had returned, hoping to find new inspiration in Ming's tea house.Zh: 对于莲来说，茶馆不仅仅是一个喝茶的地方，更是一个让人心静的空间。En: To Lian, the tea house was more than just a place to drink tea; it was a space that brought tranquility.Zh: 和明谈话间，莲感觉到了一丝异样，她知道明有什么心事。En: During her conversation with Ming, Lian sensed something was off; she knew Ming had something on his mind.Zh: 嘉，是茶馆的新学徒，他年轻、好奇，总是渴望学到更多。En: Jia, the new apprentice at the tea house, was young and curious, always eager to learn more.Zh: 不过，他心里也有一个秘密，与家族有关。En: However, he also had a secret related to his family.Zh: 他不知道该如何面对，也不知道应该告诉谁。En: He did not know how to face it, nor whom to tell.Zh: 随着灯笼节的到来，茶馆里的人逐渐多了起来。En: As the lantern festival approached, more people gradually gathered in the tea house.Zh: 明知道是时候了，他要面对过去那个错误。En: Ming knew it was time to confront the mistake from his past.Zh: 他决定向莲倾诉，也许，老朋友能给他一些建议。En: He decided to confide in Lian, hoping that an old friend might offer some advice.Zh: 他把莲叫到了角落：“莲，其实我有件事一直困扰着我。En: He called Lian to the corner: "Lian, there's something that has been troubling me."Zh: ”“是什么？En: "What is it?"Zh: ”莲温柔地问道。En: Lian asked gently.Zh: “我犯了一个错误，我无法原谅自己，那件事导致我的师傅离开了。En: "I made a mistake that I cannot forgive myself for, a mistake that led to my master's departure," Ming said in a low voice.Zh: ”明低声说。En: Jia, who was nearby, overheard the conversation.Zh: 在一旁的嘉，正好听到了这番话。En: He was shocked because the master Ming mentioned was a member of his family.Zh: 他心里一震，因为明提到的那个师傅，正是他家族的一员。En: It turned out they shared a common connection that he had never realized.Zh: 原来，他们之间有着共同的联系，而他从未意识到。En: On a night when the lanterns were hanging high, Ming and Jia sat together, outside the tea house were flickering lights and a joyous crowd.Zh: 在灯笼高挂的夜晚，明和嘉坐在一起，茶馆外是闪烁的灯光和欢腾的人群。En: Ming looked up and said, "Jia, I think we should do something for our master together."Zh: 明抬起头，说：“嘉，我想我们应该一起为师傅做些什么。En: Jia thought for a moment and agreed: "Yes, we can restore his honor."Zh: ”嘉想了想，答应了：“是的，我们可以恢复他的荣光。En: Ming and Jia decided to revitalize the reputation of the tea house, carefully crafting each pot of tea so that every guest could feel the dedication and passion their master once had.Zh: ”明和嘉共同决定，重振茶馆的名望，用心制作每一壶茶，让每位来客都能感受师傅当年的那份执着与热情。En: They finally let go of their burdens and felt no more secrets weighing them down.Zh: 他们终于放下了心中的负担，感觉再无秘密压迫。En: As winter passed and spring approached, everything was coming back to life.Zh: 随着冬日过去，春日将临，万物复苏。En: Ming smiled with relief, his heart warming as well.Zh: 明释然地微笑着，他的心也随之变得温暖。En: For Jia, he found his direction forward and learned how to face the past and cherish the present.Zh: 对于嘉来说，他找到了前行的方向，学会了如何面对过去，珍惜眼前。En: Under the glow of the lanterns, the tea house appeared especially serene.Zh: 茶馆在灯笼的照耀下，显得格外宁静，暖风轻拂，勾勒出一幅完美和谐的画卷。En: The warm breeze gently swept through, sketching a scene of perfect harmony. Vocabulary Words:fragrance: 香气carvings: 木雕tormenting: 折磨inspiration: 灵感tranquility: 宁静sensed: 感觉到apprentice: 学徒confide: 倾诉gentle: 温柔forgive: 原谅overheard: 听到reputation: 名望dedication: 执着burdens: 负担relief: 释然harmony: 和谐flickering: 闪烁serene: 宁静curious: 好奇restored: 恢复passionate: 热衷realized: 意识到drewing: 冲泡departure: 离开cherish: 珍惜approached: 到来gently: 轻拂sketching: 勾勒honor: 荣光crafted: 制作

Fluent Fiction - Japanese: Brewed Bonds: Love and Healing in a Tokyo Café Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ja/episode/2026-02-26-08-38-20-ja Story Transcript:Ja: 東京の真ん中にある小さなコーヒー焙煎所は、まるで冬の寒さから逃れるための隠れ家のようでした。En: In the heart of Tokyo, there was a small coffee roasting house that felt like a hideaway to escape the winter chill.Ja: 木の温かい内装と新鮮なコーヒー豆の豊かな香りが、訪れるすべての人に心地よい安らぎをもたらしていました。En: The warm wooden interior and the rich aroma of fresh coffee beans brought a comforting tranquility to everyone who visited.Ja: ここで働くのは、情熱的なバリスタの晴人でした。彼は毎日、完璧な一杯のコーヒーを提供するために心を込めていました。En: Working there was Haruto, a passionate barista who poured his heart into serving the perfect cup of coffee every day.Ja: 晴人の友達、ユキは、この焙煎所によく訪れていました。En: Haruto's friend, Yuki, frequently visited this roasting house.Ja: 実は、最近ユキは原因不明の頭痛に悩まされていましたが、それを晴人に話すことを避けていました。En: Recently, Yuki had been suffering from inexplicable headaches, but she avoided telling Haruto about it.Ja: 「心配をかけたくない」それがユキの本音でした。En: "I don't want to worry him," was Yuki's true feeling.Ja: ある冬の日、焙煎所の窓から見える雪景色を眺めながら、ユキは暖かいカフェラテを飲んでいました。En: One winter day, as she gazed at the snowy landscape from the roasting house window, Yuki was sipping on a warm cafe latte.Ja: しかし、突然強烈な頭痛が彼女を襲いました。En: Suddenly, she was hit by an intense headache.Ja: 彼女は痛みに顔をしかめましたが、晴人には悟られないよう、必死に微笑みました。En: She winced in pain but tried her best to smile so Haruto wouldn't notice.Ja: それを見逃すわけもなく、晴人はユキの異変に気づきました。En: Of course, Haruto didn't miss it and noticed Yuki's change.Ja: 「ユキ、大丈夫？」と優しい声で尋ねました。En: "Yuki, are you okay?" he asked gently.Ja: ユキは「ただの疲れよ」と答えましたが、その目は痛みに苦しんでいました。En: Yuki replied, "It's just fatigue," but her eyes were filled with struggle against the pain.Ja: 晴人は心配でした。En: Haruto was worried.Ja: 「ユキ、これはただの頭痛じゃなさそうだ。」彼の声には隠しきれない焦りがありました。En: "Yuki, this doesn't seem like just a headache." There was unmistaken concern in his voice.Ja: 「一度お医者さんに行ってみた方がいいと思う。」En: "I think you should see a doctor."Ja: ユキは少しだけ黙りましたが、その後無理に笑顔を見せました。En: Yuki was silent for a moment, then forced a smile.Ja: 「大丈夫よ、晴人。心配いらないわ。」彼女は再び言いました。En: "I'm fine, Haruto. You don't have to worry," she repeated.Ja: しかし、晴人はあきらめませんでした。En: However, Haruto didn't give up.Ja: その午後、焙煎所が静かになった頃、頭痛が再びユキを襲いました。En: That afternoon, when the roasting house had quieted down, the headache struck Yuki again.Ja: 今回は、まるで嵐のように激しいものでした。En: This time, it was as fierce as a storm.Ja: 彼女は耐えきれず、椅子に崩れ落ちました。En: Unable to endure it, she collapsed into a chair.Ja: 晴人は急いでユキのところに駆け寄り、彼女を支えました。En: Haruto quickly rushed to Yuki's side and supported her.Ja: 「ユキ、お願いだからお医者さんに行って。」その目は真剣そのものでした。En: "Yuki, please, go see a doctor." His eyes were earnest.Ja: ユキは、それを見てようやく自分の体調が彼に与える不安を悟りました。En: Seeing this, Yuki finally realized the anxiety her condition was causing him.Ja: 観念したように、彼女はうなずきました。En: Resigning herself, she nodded.Ja: 「わかった、晴人。行くわ。」彼女は本当に痛みに耐えられない以上に、晴人を心配させたくないと思いました。En: "Okay, Haruto. I'll go." More than enduring the pain, she didn't want to make Haruto worry.Ja: 数日後、ユキは診察を受け、お医者さんの指導通りに治療を始めました。En: A few days later, Yuki had a consultation and began treatment as instructed by her doctor.Ja: 晴人はその報告を聞き、心底安堵しました。En: Hearing this report, Haruto was deeply relieved.Ja: ユキも、健康を優先させることの重要性に気づきました。En: Yuki also realized the importance of prioritizing her health.Ja: 焙煎所で、晴人とユキはまた一緒に過ごしましたが、以前とは違っていました。En: At the roasting house, Haruto and Yuki spent time together again, but it was different than before.Ja: 晴人はもっと自分の気持ちをはっきり示し、ユキは助けを受け入れることを学びました。En: Haruto expressed his feelings more clearly, and Yuki learned to accept help.Ja: 二人の友情は、より強くなったのです。En: Their friendship had become stronger.Ja: いつもと変わらない美味しいコーヒーの香りだけが、二人の新しい日常をそっと見守っていたのでした。En: The ever-present aroma of delicious coffee quietly watched over their new daily life. Vocabulary Words:hideaway: 隠れ家tranquility: 安らぎpassionate: 情熱的なbarista: バリスタinexplicable: 原因不明fatigue: 疲れunmistaken: 隠しきれないfierce: 激しいendure: 耐えるconsultation: 診察storm: 嵐resigning: 観念earnest: 真剣gazed: 眺めるsnowy: 雪景色collapsed: 崩れ落ちるaroma: 香りintense: 強烈wince: 顔をしかめるprioritizing: 優先realize: 悟るanxiety: 不安treatment: 治療relieved: 安堵consultation: 診察quieted: 静かearnest: 真剣repeated: 再びstruggle: 苦しみearnest: 真剣

U.S. stocks are falling behind international markets in what could signal an epic shift toward global investing. A 40-year Wall Street veteran is telling clients to "sell everything American" as the decades-long dominance of U.S. equities shows cracks.Today's Stocks & Topics: iShares MSCI Brazil ETF (EWZ), Market Wrap, Power Solutions International, Inc. (PSIX), Union Business Cycle, The Great American Stock Exodus: When U.S. Markets Lose Their Crown, Bonds, Blue Owl Capital Inc. (OWL), iShares MSCI Japan ETF (EWJ), WisdomTree Japan Opportunities Fund (OPPJ), Tariffs and Trades, CrowdStrike Holdings, Inc. (CRWD), Cloudflare, Inc. (NET), SM Energy Company (SM), Block, Inc. (XYZ).Our Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk management, diversification, income planning, cash vs. investing, debt payoff frameworks, and how to think through market volatility without wrecking your long-term plan. We also discuss the "why" behind common financial rules of thumb—what holds up, what doesn't, and how to tailor decisions to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer Rate us on Google: https://bit.ly/4b9JtEo 0:00 - INTRO 0:50 - SOTU Address & Nvidia preview 5:32 - Markets Building a Rolling Top 9:20 - What is Happening to META? 12:31 - Is An Attack on Iran Priced-in to the Market? 14:37 - Buying Brazilian Bonds 18:15 - What's the Best Way to Keep Up w Sector Rotation? 20:34 - Is StableCoin Good for The Dollar? 23:48 - Will TurboTax Go AI? 27:13 - Investing in the Healthcare Space 30:27 - What is the Key Metric in Planning a Portfolio? 34:55 - Indicators for Reducing Risk in Positions 40:03 - Pro's & Con's of Bond ETF's 43:34 - Will Silver Prices Stay High? 45:14 - The Difference Between Treasury Notes vs Bonds 48:04 - Allocation Recommendation for 45-yr old Millionaire 51:44 - Coming Attractions ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oW7OkyOvYC4 ------- Articles Mentioned in Today's Show: "The Business Cycle Narrative & War With Iran" https://realinvestmentadvice.com/resources/blog/the-business-cycle-narrative/ "Is China Really Dumping US Treasuries?" https://realinvestmentadvice.com/resources/blog/is-china-really-dumping-us-treasuries/ ------- Watch our previous show, "Stop Chasing 2026 Returns," here: https://youtube.com/live/iN9Pv2Thvbo -------- The latest installment of our new feature, Before the Bell, "100-DMA Support at Risk," is here: https://youtu.be/tiE6S1qaBn0 ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- 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 #SP500 #MarketOutlook #TechnicalAnalysis #RiskManagement #PersonalFinance #RetirementPlanning #InvestingBasics #FinancialPlanning #AskUsAnything

Success is about doing the right thing, not about doing everything right. — Gary Keller Prior Session's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Navigating the Minefield: Dodging Common Trading Pitfalls for Sustained." 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.

Nvidia results after the close dominate the news cycle barring outside events. Salesforce also reports this afternoon following a revival for software stocks in yesterday's rally. Important Disclosures This material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request. Past performance is no guarantee of future results. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0128-0226) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Fluent Fiction - Dutch: From Solitude to Connection: A Retreat's Unexpected Bonds Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2026-02-25-08-38-20-nl Story Transcript:Nl: De lucht was grijs en de bomen waren bedekt met een dikke laag sneeuw.En: The sky was gray and the trees were covered with a thick layer of snow.Nl: In het hart van het Ardennenbos lag een klein klooster, waar een groep mensen samenkwam voor een spirituele retraite.En: In the heart of the Ardennen forest lay a small monastery, where a group of people came together for a spiritual retreat.Nl: Jeroen stond bij de ingang, keek om zich heen en ademde diep in.En: Jeroen stood at the entrance, looked around, and took a deep breath.Nl: Hij had recent zijn baan verlaten en voelde zich nog steeds een beetje verloren.En: He had recently left his job and still felt a bit lost.Nl: Hij hoopte hier antwoorden te vinden.En: He hoped to find answers here.Nl: Aan de andere kant van de hal stond Marijke.En: On the other side of the hall stood Marijke.Nl: Ze had zich ingeschreven voor de retraite na een moeilijke relatiebreuk.En: She had signed up for the retreat after a difficult breakup.Nl: Ze wilde haar leven opnieuw in balans brengen en zocht naar rust.En: She wanted to bring balance back to her life and was seeking peace.Nl: Haar ogen ontmoetten die van Jeroen, en ze glimlachte vluchtig, bescheiden.En: Her eyes met Jeroen's, and she offered a fleeting, modest smile.Nl: De dagen vulden zich met stilte en reflectie.En: The days filled with silence and reflection.Nl: Jeroen wandelde graag door de besneeuwde paden rondom het klooster.En: Jeroen enjoyed walking through the snowy paths around the monastery.Nl: Eén ochtend besloot hij deel te nemen aan een geleide meditatie die door Marijke werd begeleid.En: One morning, he decided to participate in a guided meditation led by Marijke.Nl: Hoewel hij in eerste instantie twijfelde, voelde hij zich aangetrokken door haar kalme aanwezigheid.En: Although he was initially hesitant, he felt drawn to her calm presence.Nl: Tijdens de meditatie vertelde Marijke zacht over de kracht van ademhaling en loslaten.En: During the meditation, Marijke softly spoke about the power of breathing and letting go.Nl: Jeroen voelde zich voor het eerst in weken ontspannen.En: For the first time in weeks, Jeroen felt relaxed.Nl: Na de meditatie schraapte Jeroen zijn keel.En: After the meditation, Jeroen cleared his throat.Nl: "Dank je," zei hij zacht.En: "Thank you," he said softly.Nl: Marijke keek hem aan en voelde een band.En: Marijke looked at him and sensed a connection.Nl: Ze nodigde hem uit voor een kopje kruidenthee in de refter.En: She invited him for a cup of herbal tea in the refectory.Nl: Ze spraken over hun verleden en hun verlangens naar verandering.En: They talked about their past and their desires for change.Nl: Beiden waren voorzichtig, bang om te veel prijs te geven, maar er ontstond een stille verstandhouding.En: Both were cautious, afraid to reveal too much, but a quiet understanding developed.Nl: De laatste avond van de retraite werd gevierd met een kampvuur.En: The last evening of the retreat was celebrated with a campfire.Nl: De lucht vulde zich met de geur van hout en de klanken van zachte muziek.En: The air filled with the scent of wood and the sounds of soft music.Nl: Mensen deelden verhalen en openhartige momenten.En: People shared stories and candid moments.Nl: Marijke besloot dat dit het moment was om eerlijk te zijn.En: Marijke decided that this was the moment to be honest.Nl: Ze vertelde de groep over de pijn van haar recente breuk en haar weg naar zelfontdekking.En: She told the group about the pain of her recent breakup and her journey towards self-discovery.Nl: Jeroen luisterde aandachtig, aangemoedigd door haar moed.En: Jeroen listened attentively, encouraged by her courage.Nl: Jeroen deelde daarop zijn eigen verhaal.En: Jeroen then shared his own story.Nl: De stress van zijn baan, de verandering en de angsten die daaruit voortkwamen.En: The stress from his job, the change, and the fears that came with it.Nl: Terwijl de vlammen dansend omhoog schoten, ontdekten ze dat hun verhalen elkaar aanvulden.En: As the flames danced upwards, they discovered that their stories complemented each other.Nl: Beide beseften ze dat ze niet alleen waren in hun zoektocht.En: Both realized they were not alone in their quest.Nl: Aan het einde van de avond wisselden Jeroen en Marijke contactgegevens uit.En: At the end of the evening, Jeroen and Marijke exchanged contact information.Nl: Ze spraken af om samen een nabijgelegen stad te bezoeken wanneer de retraite voorbij was.En: They agreed to visit a nearby town together when the retreat was over.Nl: Terwijl ze afscheid namen, voelde Jeroen zich opgelucht.En: As they said goodbye, Jeroen felt relieved.Nl: Hij vond niet alleen nieuwe perspectieven, maar ook een onverwachte vriend.En: He had found not only new perspectives but also an unexpected friend.Nl: Marijke glimlachte naar de sneeuwvlokken die zachtjes vielen.En: Marijke smiled at the snowflakes gently falling.Nl: Voor het eerst voelde ze zich vrij om te vertrouwen.En: For the first time, she felt free to trust.Nl: De retraite had niet alleen haar geest geopend, maar ook haar hart.En: The retreat had opened not just her mind but also her heart. Vocabulary Words:gray: grijscovered: bedektlayer: laagmonastery: kloosterretreat: retraiteentrance: ingangbreath: ademrecently: recentbreakup: relatiebreukfleeting: vluchtigmodest: bescheidenreflection: reflectiepaths: padenguided: geleidepresence: aanwezigheidbreathing: ademhalingletting go: loslatenrelaxed: ontspannenthroat: keelconnection: bandherbal tea: kruidentheerefectory: reftercautious: voorzichtigunderstanding: verstandhoudingcampfire: kampvuurscent: geurcandid: openhartigdiscovery: ontdekkingcourage: moedcomplemented: aanvulden

Fluent Fiction - Japanese: Snowfall Bonds: Satoshi's Journey to Connection Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ja/episode/2026-02-25-08-38-20-ja Story Transcript:Ja: 木々に積もった雪が淡い光を反射し、静寂につつまれた朝。En: The snow piled on the trees reflected a faint light, enveloping the morning in silence.Ja: 生徒たちは伝統的な旅館に着きました。En: The students arrived at a traditional ryokan.Ja: ここは日本の古い木造建築、温かな灯りがもれる玄関が美しい場所です。En: It was a place of beautiful Nihon-style old wooden architecture, with warm light emanating from the entrance.Ja: サトシたちの冬休みの学校旅行の始まりです。En: This marked the beginning of Satoshi's winter school trip.Ja: サトシは静かな男の子です。En: Satoshi is a quiet boy.Ja: 心の中で自分の本当の興味を探していました。En: Inside, he was searching for his true interests.Ja: クラスメイトと一緒にいることは、彼には少し緊張します。En: Being with his classmates made him a little nervous.Ja: しかし、今回は違います。En: However, this time it was different.Ja: 彼は新しい自分を発見したいと思っています。En: He wanted to discover a new self.Ja: その朝、旅館の庭を歩くと、エミが話しかけてきました。En: That morning, while walking in the garden of the ryokan, Emi spoke to him.Ja: 彼女は明るくて冒険心に溢れています。En: She is bright and full of adventure.Ja: 「サトシ、一緒に写真を撮ろう！」エミは楽しそうに言いました。En: "Hey Satoshi, let's take a picture together!" Emi said cheerfully.Ja: サトシは少し驚きながらも、彼女の誘いに頷きました。En: Surprised but willing, Satoshi nodded at her invitation.Ja: 昼間、みんなは温泉に行きました。En: During the day, everyone went to the hot springs.Ja: 蒸気が心と体を温め、リラックスできます。En: The steam warmed their hearts and bodies, allowing relaxation.Ja: ここでサトシはハルトと一緒になります。En: Here, Satoshi was with Haruto.Ja: ハルトはいつも冗談を言って周りを笑わせますが、実は何かに悩んでいる様子もありました。En: Haruto always jokes and makes everyone laugh, but he also seemed to be troubled by something.Ja: 夜になり、いよいよ節分の儀式が始まります。En: As night fell, the setsubun ceremony began.Ja: サトシは少し不安でしたが、「鬼は外、福は内」と大きな声で叫びます。En: Satoshi felt a bit anxious but shouted loudly, "Oni wa soto, fuku wa uchi" (demons out, luck in).Ja: 豆を庭にまき、悪いものを追い出します。En: He scattered beans in the garden to drive away the bad.Ja: 突然、サトシの口から心の中の悩みがこぼれました。En: Suddenly, his inner worries spilled out.Ja: 「僕はみんなが好き…でも、どう人とつながればいいのかわからない。」En: "I like everyone... but I don't know how to connect with people."Ja: 一瞬、静寂が流れました。En: For a moment, silence passed.Ja: しかし、エミが優しく微笑んでサトシの肩を叩きました。En: However, Emi smiled gently and patted Satoshi's shoulder.Ja: 「大丈夫だよ、私たちは一緒だよ。」En: "It's okay, we're all together."Ja: ハルトも「そうそう、みんな同じ気持ちだよ！」と続けます。En: Haruto added, "Yeah, we all feel the same way!"Ja: サトシの胸に温かいものが広がりました。En: Warmth spread through Satoshi's heart.Ja: 彼は自分が受け入れられていると感じました。En: He felt accepted.Ja: クラスメイトの支えと理解が、彼の心を明るくしました。En: The support and understanding from his classmates brightened his heart.Ja: 旅行の終わり、サトシは自然と笑顔が増えていました。En: By the end of the trip, Satoshi's smiles naturally increased.Ja: 彼はこれからもっとクラスメイトと話してみよう、と思います。En: He thought he'll try talking more with his classmates from now on.Ja: 旅館を後にし、彼らは深い雪の中を歩きながら、更に繋がりを深めました。En: Leaving the ryokan, they walked through the deep snow, deepening their connections.Ja: サトシは小さな声で言いました。「ありがとう、みんな。」En: Satoshi said in a small voice, "Thank you, everyone."Ja: エミとハルトは微笑みながら、彼の肩を抱きしめます。En: Emi and Haruto smiled and wrapped their arms around his shoulder.Ja: 雪はゆっくり降り続け、その下で新しい友情の種が生まれました。En: The snow continued to fall slowly, and beneath it, the seeds of new friendship were born. Vocabulary Words:piled: 積もったfaint: 淡いsilence: 静寂traditional: 伝統的なemanating: もれるquiet: 静かなinterests: 興味adventure: 冒険心cheerfully: 楽しそうにinvitation: 誘いrelaxation: リラックスtroubled: 悩んでいるceremony: 儀式anxious: 不安shouted: 叫びますscattered: まきworries: 悩みconnect: つながるpat: 叩きましたacceptance: 受け入れられているunderstanding: 理解brightened: 明るくしましたnaturally: 自然とconnections: 繋がりmuttered: 小さな声で言いましたfriendship: 友情seeds: 種beneath: 下marked: 始まりenveloped: つつまれた

US stocks rebounded yesterday led by technology shares after AI developments announced by Meta and Anthropic. Strong US economic data lifted the broader market and boosted small caps. In Europe, autos rose on lower‑than‑expected US tariffs, while banks fell. Taiwan and South Korea climbed on AI optimism, and Japan advanced after the Prime Minister nominated two reflation‑focused academics to the Bank of Japan's policy board, fuelling expectations of slow rate increases and keeping the yen weak. Precious metals strengthened with gold and silver rising on geopolitical tensions, China's market return, and continued safe-haven demand. Dario Messi, Head of Fixed Income Strategy Research, explains why artificial intelligence could initially support bonds.(00:00) - Introduction: Helen Freer, Product & Investment Content (00:28) - Markets wrap-up: Mike Rauber, Product & Investment Content (06:02) - Bond market update: Dario Messi, Head of Fixed Income Research (10:38) - Closing remarks: Helen Freer, Product & Investment Content Would you like to support this show? Please leave us a review and star rating on Apple Podcasts, Spotify or wherever you get your podcasts.

If you think you can, you can. And if you think you can't, you're right. — Henry Ford Prior Session's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Navigating the Minefield: Dodging Common Trading Pitfalls for Sustained." 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.

After a Monday marked by trade-related uncertainty, key software, consumer, and tech results vie for attention today and tomorrow, starting with Home Depot. Nvidia looms Wednesday. Important Disclosures This material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request. Past performance is no guarantee of future results. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0128-0226) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Hungarian: A Tasty Reunion: Mending Bonds at Szeged's Fish Festival Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-02-24-23-34-02-hu Story Transcript:Hu: A Tisza folyó partján Szegeden, a téli szél játszadozott a színes sátrak közt, amelyek belső melegségükkel álltak ellen a hidegnek.En: On the banks of the Tisza River in Szeged, the winter wind played among the colorful tents that resisted the cold with their inner warmth.Hu: A halászlé fesztivál évente vonzotta a város lakóit és az érkezőket egyaránt, hogy élvezzék a halból, paprikából és hagyományokból álló finomságokat.En: The fish soup festival annually attracted both the city's residents and newcomers to enjoy the delicacies made from fish, paprika, and traditions.Hu: Zoltán és Júlia, testvérek, megérkeztek a fesztiválra.En: Zoltán and Júlia, siblings, arrived at the festival.Hu: Apjuk emléke friss volt még a szívükben, aki mindig is rajongott a halászléért és az ünnepért.En: The memory of their father was still fresh in their hearts, who had always been passionate about fish soup and the celebration.Hu: Zoltán, a visszafogott báty, visszatartotta érzéseit, de érezte, hogy a család tradícióinak megőrzése most az ő vállára nehezedett.En: Zoltán, the reserved older brother, held back his feelings, but felt that the preservation of family traditions now rested on his shoulders.Hu: Júlia, művészi lélekkel megáldva, az apjuk elvesztése után úgy érezte, távolabb került testvérétől.En: Júlia, blessed with an artistic soul, felt more distant from her brother after their father's loss.Hu: A tömegben Zoltán megállt, és oldalra pillantva megértette: ez az alkalom lehet a kulcs, hogy újra összekovácsolja családját.En: In the crowd, Zoltán stopped and glanced sideways, realizing this occasion might be the key to bringing his family together again.Hu: „Júlia, szeretném, ha neveznénk a főzőversenyre,” mondta, próbálva ugyanolyan természetesen, mint amikor apjukról beszéltek annak idején.En: “Júlia, I'd like us to enter the cooking competition,” he said, trying to sound as natural as when they used to talk about their father.Hu: Júlia habozott, de érezte, valamit meg kell változtatni.En: Júlia hesitated, but felt something needed to change.Hu: „Rendben, de a receptet kicsit meg kellene csavarnunk,” válaszolta óvatosan.En: “Alright, but we should tweak the recipe a bit,” she replied cautiously.Hu: Zoltán beleegyezően bólintott, de valójában magában sem akarta elengedni apjuk régi, jól bevált receptjét.En: Zoltán nodded in agreement, though deep down he didn't want to let go of their father's tried-and-true recipe.Hu: Ahogy elkezdték az előkészületeket, a fesztivál lüktetően élte életét körülöttük.En: As they began the preparations, the festival pulsed with life around them.Hu: A hal illata, keveredve az orrukat csiklandozó friss paprika aromájával, felidézte bennük a közös családi emlékeket.En: The scent of fish, mingling with the aroma of fresh paprika tickling their noses, evoked shared family memories.Hu: De a másik oldalról is ott voltak az elnyomott érzések és szótlanság.En: Yet, on the other hand, there were also suppressed feelings and silence.Hu: Főzés közben váratlanul kitört a feszültség.En: While cooking, tension suddenly erupted.Hu: „Nem lehet így csinálni, Zoltán!” kiáltott Júlia, amikor bátyja makacsul ragaszkodott a hagyományos ízesítéshez.En: “It can't be done this way, Zoltán!” shouted Júlia when her brother stubbornly clung to the traditional seasoning.Hu: „Ez nem csak az ő receptje volt. Ez rólunk szól most!” válaszolta Zoltán, s ekkor figyelembe vette, amit Júlia mondani akart.En: “This isn't just about his recipe. This is about us now!” replied Zoltán, as he began to consider what Júlia meant.Hu: A vita közepette mindketten megértették, hogy valami fontosabbat keresnek – valami, amit az apjuk örökké hagyott rájuk: a család szeretete és megértése.En: Amid their argument, both realized they were searching for something more important – something their father had left them forever: family love and understanding.Hu: Ez hozta meg a fordulatot.En: This brought the turning point.Hu: „Próbáljuk meg együtt, változtassunk kicsit, de tartsuk tiszteletben, amit tanított,” mondta Zoltán enyhülten.En: “Let's try it together, make a little change, but respect what he taught us,” said Zoltán gently.Hu: A zsűri előtt a végső keverés és kóstolás közben rájöttek, hogy nem is az étel minőségéről szólt igazán, hanem róluk.En: In front of the jury, during the final mixing and tasting, they realized it wasn't really about the food's quality, but about them.Hu: Az eredményhirdetés messze háttérbe szorult az érzés mögött, hogy újra egészet alkotnak.En: The announcement of results faded into the background, overwhelmed by the feeling of being whole again.Hu: Amikor a nevüket hallották győztesként, szoros ölelésben omlottak egymás karjaiba.En: When they heard their name as winners, they fell into each other's arms in a tight embrace.Hu: A fesztivál tüzei közt ráébredtek, hogy bár az apjuk teste már nincs köztük, a szeretete és emlékei mélyen ott lapulnak szívükben.En: Among the festival fires, they realized that although their father's body was no longer among them, his love and memories lay deep in their hearts.Hu: Minden, ami igazán fontos, soha nem vész el.En: Everything that truly matters never gets lost. Vocabulary Words:resisted: ellenálltakdelicacies: finomságokatsiblings: testvérekpassionate: rajongottreserved: visszafogotthesitated: habozotttweak: megcsavarnunkpulsed: lüktetőenmingling: keveredvesuppressed: elnyomotttension: feszültségerupted: kitörtstubbornly: makacsulcling: ragaszkodottseasoning: ízesítéshezconsider: figyelembe veszturning point: fordulatotjury: zsűrimixing: keverésembrace: ölelésconstantly: állandóanunderstanding: megértéseannouncement: eredményhirdetésoverwhelmed: elárasztottarealized: ráébredtekappreciation: értékeléspreservation: megőrzésedistant: távolabbglanced: pillantvaforever: örökké

Fluent Fiction - Norwegian: Rekindling Bonds Under the Nordic Lights Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-02-24-23-34-02-no Story Transcript:No: Lars sto og kikket ut av vinduet.En: Lars stood and looked out the window.No: Tromsø var dekket av snø.En: Tromsø was covered in snow.No: Over himmelen danset nordlyset.En: Across the sky, the nordlys danced.No: Det var en vakker kveld.En: It was a beautiful evening.No: Likevel kjente Lars et tungt strev i hjertet sitt.En: Nevertheless, Lars felt a heavy struggle in his heart.No: Det var tid for den årlige familiegjenforeningen.En: It was time for the annual family reunion.No: Om vinteren, når nettene fortsatt var lange, var det tid for å samles.En: In winter, when the nights were still long, it was time to gather.No: Lars' familie kom fra hele Norge for å være sammen disse siste vinterdagene.En: Lars' family came from all over Norge to be together these last winter days.No: Men i år følte Lars seg litt annerledes.En: But this year Lars felt a bit different.No: Han følte seg isolert.En: He felt isolated.No: For mange år siden hadde Lars og broren hans, Erik, hatt en krangel.En: Many years ago, Lars and his brother, Erik, had had an argument.No: Ikke noen av dem kunne huske hvorfor.En: Neither of them could remember why.No: Men etter det hadde de sluttet å snakke.En: But after that, they had stopped talking.No: Lars ønsket å ordne det.En: Lars wanted to fix it.No: Han lengtet etter å føle den varme båndet av familien igjen.En: He longed to feel the warm bond of family again.No: Dagen for gjenforeningen kom.En: The day of the reunion came.No: Alle samlet seg i det gamle huset ved fjorden.En: Everyone gathered in the old house by the fjord.No: Det luktet av ferskt brød og fyr på peisen.En: It smelled of fresh bread and fire in the fireplace.No: Alle lo og pratet.En: Everyone laughed and chatted.No: Men Lars følte en gnagende uro.En: But Lars felt a gnawing unease.No: Erik var der.En: Erik was there.No: Han så akkurat ut som før, men kanskje litt mer moden, litt mer stille.En: He looked just the same, but perhaps a bit more mature, a bit quieter.No: Lars var ikke sikker på hva han skulle gjøre.En: Lars was unsure of what to do.No: Stoltheten hans holdt ham tilbake.En: His pride held him back.No: Hva om Erik ikke ville høre?En: What if Erik didn't want to listen?No: Hva om han bare lo av ham?En: What if he just laughed at him?No: Men så tenkte han på hva moren alltid sa: "Familie er viktig, Lars.En: But then he thought of what his mother always said: "Family is important, Lars.No: Hengivenhet er alt.En: Devotion is everything."No: "Han gikk bort til Erik.En: He went over to Erik.No: "Hei, Erik," sa Lars, litt nervøst.En: "Hey, Erik," said Lars, a little nervously.No: "Kan vi snakke?En: "Can we talk?"No: "Erik så overrasket ut, men han nikket.En: Erik looked surprised, but he nodded.No: De to gikk ut for å stå alene under nordlyset.En: The two went out to stand alone under the nordlys.No: Lars trakk pusten dypt.En: Lars took a deep breath.No: "Jeg beklager," sa han.En: "I'm sorry," he said.No: "For alt.En: "For everything."No: "Erik så ned på snøen i noen sekunder.En: Erik looked down at the snow for a few seconds.No: "Jeg også," sa han etter hvert.En: "Me too," he eventually said.No: De så på hverandre, og begge smilte, litt usikkert.En: They looked at each other, and both smiled, a bit uncertainly.No: De snakket lenge den kvelden.En: They talked long that evening.No: Om alt og ingenting.En: About everything and nothing.No: Latteren kom lett, og hjertet til Lars følte seg lettere.En: Laughter came easily, and Lars' heart felt lighter.No: Da de gikk inn igjen, følte Lars seg forandret.En: As they went back inside, Lars felt changed.No: Han hadde overvunnet sin stolthet og frykt.En: He had overcome his pride and fear.No: Han følte seg igjen som en del av familien.En: He felt again like a part of the family.No: Da natten gikk videre, danset nordlyset fortsatt på himmelen.En: As the night went on, the nordlys still danced in the sky.No: Det var som om hele naturen feiret en ny begynnelse.En: It was as if all of nature was celebrating a new beginning.No: Og Lars visste at selv om vinteren var hard og lang, ville alltid våren komme med nytt liv og håp.En: And Lars knew that even though winter was harsh and long, spring would always come with new life and hope. Vocabulary Words:struggle: strevannual: årligereunion: gjenforeningenisolated: isolertargument: krangellonged: lengtetgnawing: gnagendeunease: uropride: stolthetendevotion: hengivenhetnervously: nervøstdeep breath: trakk pusten dyptapologize: beklagereventually: etter hvertuncertainly: usikkertovercome: overvunnetfear: fryktharsh: hardcelebrating: feiretmature: modengather: samlesfireplace: peisensmelled: luktetbond: båndetnevertheless: likeveluncertainty: usikkertembrace: omfavneexistence: eksistenssilence: stillhetyearned: lengtet

In this two-part conversation, host Dr. Jodi Richardson sits down with Dr. Jessica Borelli, clinical psychologist, researcher, and author of Nature Meets Nurture, to explore what it truly means to be present as a parent.Jessica shares touching stories — including a heartfelt reflection on her grandmother — and the science behind her powerful approach, Relational Savoring, which helps parents feel more confident and connected to their children. Together, Jodi and Jessica discuss how even five minutes of intentional connection can make a lasting difference, how to ease parenting guilt, and why cherishing the smallest moments may be the antidote to anxiety.Whether you’re parenting toddlers, teens, or grown kids, this episode is a reminder that connection doesn’t take perfection — just presence.✨ Part 2 of this conversation drops next week! Connect with Dr Jodi Richardson: https://linktr.ee/drjodirichardson?fbclid=PAZXh0bgNhZW0CMTEAAabqDVAw_zhoG3IXGRhgjn-J14BFJy50ztJbCHywMfZobVH12nX1USMbisI_aem_QViUbKkXHlwbD3y4kGcvGQSee omnystudio.com/listener for privacy information.

Fluent Fiction - Japanese: Rediscovering Family Bonds in Arashiyama's Bamboo Wonderland Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ja/episode/2026-02-24-23-34-02-ja Story Transcript:Ja: 冬の朝、嵐山の竹林は静かでした。En: On a winter morning, the bamboo grove in Arashiyama was quiet.Ja: 空は灰色で、冷たい風が竹の間を通り抜けていました。En: The sky was gray, and a cold wind blew through the bamboo.Ja: この日は特別な日でした。En: This day was special.Ja: 春木、瑞希、そして直樹の家族は、久しぶりに一緒に過ごすために嵐山にやって来ました。En: The families of Haruki, Mizuki, and Naoki came to Arashiyama to spend time together after a long while.Ja: 「今日は電話を置いていくよ」と春木は言いました。En: "I'm leaving my phone behind today," Haruki said.Ja: 「家族と一緒の時間が大切だから。En: "Time with family is important."Ja: 」彼の決意に瑞希は微笑みました。En: Mizuki smiled at his resolve.Ja: 「いい考えね。En: "That's a good idea.Ja: 直樹、あなたもスマホをしまって。En: Naoki, you put your smartphone away too."Ja: 」直樹は少し不満そうでしたが、嫌々スマホをポケットにしまいました。En: Naoki looked a bit unhappy, but reluctantly put his smartphone into his pocket.Ja: 竹林を歩くと、静かな自然の音だけが聞こえてきます。En: As they walked through the bamboo grove, only the sounds of nature could be heard.Ja: 竹の葉のさやさやとした音、遠くから聞こえる川のせせらぎ。En: The rustling of bamboo leaves, the distant murmur of the river.Ja: 冬の冷たい空気は、彼らの頰を赤くしました。En: The cold winter air made their cheeks red.Ja: 春木は瑞希と直樹と話しながら、家族との時間を楽しもうとしていましたが、ふと電話がないことに不安を感じました。En: Haruki tried to enjoy the time with his family while talking to Mizuki and Naoki, but he suddenly felt anxious about not having his phone.Ja: 仕事のメールや電話が気になり、心は落ち着きませんでした。En: He was worried about work emails and calls, and couldn't settle his mind.Ja: 「パパ、見て！En: "Dad, look!Ja: あの竹、すごく背が高いよ！En: That bamboo is really tall!"Ja: 」直樹が指をさして叫びました。En: Naoki shouted, pointing with his finger.Ja: 春木はその瞬間、感動している息子の顔を見て、仕事を忘れました。En: Haruki saw the face of his son, who was impressed at that moment, and forgot about work.Ja: これこそが大切なことだと彼は気付きました。En: He realized that this was what was truly important.Ja: しかし、急に風が強くなり、雪が降り出しました。En: However, the wind suddenly grew strong, and snow began to fall.Ja: 竹林の中はすぐに白くなり、視界が悪くなりました。En: The bamboo grove quickly turned white, and visibility worsened.Ja: 「ここじゃ寒すぎる。En: "It's too cold here.Ja: 一旦どこかに避難しよう」と瑞希が提案しました。En: Let's find shelter somewhere," Mizuki suggested.Ja: 家族は道を急ぎ、近くの小さな茶屋を見つけました。En: The family hurried along the path and found a small teahouse nearby.Ja: そこは暖かい光とお茶の香りで満ちていました。En: It was filled with warm light and the aroma of tea.Ja: 茶屋でお茶を飲みながら、春木は瑞希と直樹に仕事のことを謝罪しました。En: While drinking tea at the teahouse, Haruki apologized to Mizuki and Naoki about his work.Ja: 「もっと家族との時間を大切にするよ」と春木が誓いました。En: "I'll cherish family time more," Haruki vowed.Ja: 直樹も、「家族ともっとこういう時間を過ごしたい」と言いました。En: Naoki also said, "I want to spend more time like this with the family."Ja: 三人は笑顔を交わし、また一つ近づいたように感じました。En: The three of them exchanged smiles and felt as if they had gotten even closer.Ja: 嵐山の竹林の冒険は、彼らに家族の絆を再び感じさせました。En: The adventure in the bamboo grove of Arashiyama made them feel the bond of family once again.Ja: 春木は仕事の重要性も知っていましたが、それ以上に家族の大切さを理解しました。En: Haruki understood the importance of work, but even more so, he understood the importance of family.Ja: そして、直樹はスマホの世界よりも、身近な家族との時間を楽しむことを学びました。En: And Naoki learned to enjoy the time with his family more than the world of his smartphone.Ja: その日の夜、三人は温かい気持ちで、京都の寒い風を感じながら帰路につきました。En: That night, the three of them returned home feeling warm, while the cold Kyoto wind blew around them.Ja: 心には、新しい思い出と温かさが残っていました。En: In their hearts lingered new memories and warmth. Vocabulary Words:grove: 竹林resolve: 決意reluctantly: 嫌々rustling: さやさやmurmur: せせらぎanxious: 不安shelter: 避難visibility: 視界cherish: 大切にするbond: 絆venture: 冒険linger: 残るaroma: 香りinspired: 感動settle: 落ち着くvow: 誓うapologize: 謝罪nearby: 近くwhisper: ささやきadventure: 冒険wind: 風treasure: 宝物important: 重要finger: 指teahouse: 茶屋special: 特別memories: 思い出cold: 冷たいunderstood: 理解しましたpocket: ポケット

Key Topics:   The original Turtle experiment and lessons from Richard Dennis  Why and how trend following focuses on small losses and large winners  Volatility-based position sizing and risk management discipline - Diversification across equity markets, currencies, commodities, bonds, and individual stocks  Current market dispersion and what it means for systematic strategies  The psychological challenge of sticking with trend during whipsaws and drawdowns  The growing role of ETFs in managed futures How advisors can size and integrate trend-following sleeves within broader allocations  Key Takeaways:  Trend following is agnostic — it adapts rather than predicts.  Diversification across a broad global universe improves opportunity and resilience.  Proper allocation and manager selection matter more than short-term performance.  No strategy is perfect — understanding drawdowns and behavioral discipline is critical.  Learn More:  Jerry Parker & Chesapeake Capital: www.chesapeakecapital.com  Dantes Outlook's RIA & OCIO Services: www.dantesoutlook.com  Dantes Outlook Substack for ongoing research and portfolio insights: www.dantes.substack.com  Disclaimer: The information presented is for informational purposes only and should not be considered as investment advice nor as a recommendation of any particular strategy, allocation or investment product: before making any investment decision, you should seek expert, professional advice and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the laws of your home country and place of residence. Investing involves risk, including the possibility of loss of principal. Any forward-looking statements or forecasts are based on assumptions and actual results may vary from any statements or forecasts. The information presented is for informational purposes only and should not be considered as investment advice nor as a recommendation of any particular strategy, allocation or investment product: before making any investment decision, you should seek expert, professional advice and obtain information regarding the legal, fiscal, regulatory and foreign currency requirements for any investment according to the laws of your home country and place of residence. Investing involves risk, including the possibility of loss of principal. Any forward-looking statements or forecasts are based on assumptions and actual results may vary from any statements or forecasts.Visit us at www.dantesoutlook.com

Noah Funderburk, Portfolio Manager and Director of Securitized Credit at Pioneer Investments, joins the InsuranceAUM.com Podcast for a deep dive into the mechanics that matter most in structured credit.   In this episode, he explores why risk and discomfort are often the source of return, how credit risk and interest rate convexity can compound drawdowns, and why sponsor incentives should never be overlooked. The conversation moves beyond headline yield to focus on tranche-level analysis, correlation risk, asset obsolescence, and securitization structures that delever over time.   For insurance investors allocating to ABS, RMBS, CMBS, and multi-sector portfolios, this discussion offers a practical framework for evaluating complexity, pricing uncertainty, and managing downside risk in an evolving market environment.

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

A weak GDP report and hot inflation data were overshadowed by the Supreme Court's decision to overturn Trump's tariffs Friday. Nvidia earnings, Fed speakers are in-focus this week. Important Disclosures This material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request. Past performance is no guarantee of future results. Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google Podcasts and the Google Podcasts logo are trademarks of Google LLC. Spotify and the Spotify logo are registered trademarks of Spotify AB. (0128-0226) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fluent Fiction - Dutch: Blossoms and Bonds: A Day in Keukenhof's Spring Awakening Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2026-02-23-23-34-02-nl Story Transcript:Nl: De lucht was helder en koud in de Keukenhof Tuinen.En: The sky was clear and cold in the Keukenhof Tuinen.Nl: Tulpenknoppen staken hun kopjes voorzichtig boven de grond uit, terwijl de zon speelde tussen de wolken.En: Tulip buds cautiously poked their little heads above the ground, while the sun played among the clouds.Nl: Daan liep stilletjes over het pad.En: Daan walked quietly along the path.Nl: Zijn camera hing stevig om zijn nek.En: His camera hung securely around his neck.Nl: Hij was gefascineerd door de eerste tekenen van het voorjaar.En: He was fascinated by the first signs of spring.Nl: Zijn gedachten dwaalden af naar de perfecte foto die hij moest maken voor de tentoonstelling.En: His thoughts wandered to the perfect photo he needed to take for the exhibition.Nl: Niet ver van Daan verzamelde Fenna zorgvuldig gegevens over de tulpen.En: Not far from Daan, Fenna was carefully gathering data about the tulips.Nl: Ze knielde naast een rij bloemen en noteerde hun kleuren.En: She kneeled next to a row of flowers and noted their colors.Nl: Haar vriendin Linde stond ernaast, bladerend door een boek en af en toe een grapje makend om de sfeer luchtig te houden.En: Her friend Linde stood next to her, flipping through a book and occasionally making a joke to keep the atmosphere light.Nl: Plotseling stapte Daan achteruit, zo gefocust op zijn lens dat hij bijna op de bloemen trapte.En: Suddenly Daan stepped back, so focused on his lens that he almost stepped on the flowers.Nl: Fenna sprong overeind, haar ogen groot van schrik.En: Fenna jumped up, her eyes wide with shock.Nl: "Pas op!"En: "Watch out!"Nl: riep ze.En: she cried.Nl: "Je maakt mijn onderzoek kapot!"En: "You're ruining my research!"Nl: Daan draaide zich snel om en keek haar verontschuldigend aan.En: Daan quickly turned around and looked at her apologetically.Nl: "Het spijt me," stamelde hij.En: "I'm sorry," he stammered.Nl: "Ik was zo bezig met de foto... Kan ik iets goedmaken?"En: "I was so caught up with the photo... Is there something I can do to make it up?"Nl: Fenna zuchtte diep.En: Fenna sighed deeply.Nl: Iets in zijn stem en de oprechte blik in zijn ogen overtuigde haar.En: Something in his voice and the sincere look in his eyes convinced her.Nl: "Misschien," zei ze na een korte pauze.En: "Maybe," she said after a short pause.Nl: "Ik heb nog veel werk.En: "I have a lot of work left.Nl: Wat weet jij van tulpen?"En: What do you know about tulips?"Nl: Daan glimlachte.En: Daan smiled.Nl: "Meer dan je zou denken.En: "More than you might think.Nl: En ik kan ook mooie foto's maken."En: And I can take beautiful photos too."Nl: De rest van de ochtend werkten Daan en Fenna zij aan zij.En: For the rest of the morning, Daan and Fenna worked side by side.Nl: Linde keek met verbazing toe hoe ze lachten en triviale verhalen deelden tussen het meten en fotograferen door.En: Linde watched in amazement as they laughed and shared trivial stories between measuring and photographing.Nl: Daan leerde Fenna hoe licht een foto kon veranderen.En: Daan taught Fenna how light could change a photo.Nl: Fenna liet Daan zien hoe je de gezondheid van een bloem kunt aflezen aan de bladeren.En: Fenna showed Daan how to read a flower's health from the leaves.Nl: Langzaam veranderde de sfeer.En: Slowly, the atmosphere changed.Nl: Fenna merkte dat ze het leuk vond om tijd met Daan door te brengen.En: Fenna found that she enjoyed spending time with Daan.Nl: De lucht werd warmer en nieuwe knoppen openden zich als kleine kleurrijke explosies in het veld.En: The air grew warmer, and new buds opened like little colorful explosions in the field.Nl: Aan het einde van de dag stond Fenna voor de laatste rij bloemen.En: At the end of the day, Fenna stood in front of the last row of flowers.Nl: Daan stelde zijn camera af en zei: "Wil je erbij op?En: Daan adjusted his camera and said, "Do you want to be in it?Nl: De bloemen zijn mooi, en jij hoort daarbij."En: The flowers are beautiful, and you belong with them."Nl: Fenna lachte en poseerde naast de tulpen.En: Fenna laughed and posed next to the tulips.Nl: Klik.En: Click.Nl: Daan's camera legde het moment vast, Fenna en de bloemen samen in een prachtige compositie.En: Daan's camera captured the moment, Fenna and the flowers together in a beautiful composition.Nl: Terwijl ze hun werk beëindigden, voelde de tuin als een belofte van nieuwe dingen.En: As they finished their work, the garden felt like a promise of new things.Nl: Daan en Fenna beseften dat hun passie voor hun werk ze blind had gemaakt voor andere mooie dingen in het leven.En: Daan and Fenna realized that their passion for their work had blinded them to other beautiful things in life.Nl: Daan stak zijn hand uit.En: Daan reached out his hand.Nl: "Dank je voor vandaag.En: "Thank you for today.Nl: Het was anders dan ik had verwacht, maar veel beter."En: It was different than I expected, but much better."Nl: Fenna schudde zijn hand en glimlachte breed.En: Fenna shook his hand and smiled broadly.Nl: "Ja, hetzelfde hier.En: "Yes, same here.Nl: Laten we samen nog eens terugkomen, als alle tulpen helemaal bloeien."En: Let's come back again together, when all the tulips are in full bloom."Nl: En met het blije gekabbel van de fontein op de achtergrond, wandelden Daan en Fenna langzaam weg, de tuin achterlatend in een zachter licht van de late winterzon.En: And with the cheerful babble of the fountain in the background, Daan and Fenna walked away slowly, leaving the garden bathed in the softer light of the late winter sun.Nl: Hun nieuw ontstane band een frisse start, net als de tulpen rondom hen.En: Their newly formed bond a fresh start, just like the tulips around them. Vocabulary Words:buds: knoppencautiously: voorzichtigfascinated: gefascineerdexhibition: tentoonstellinggathering: verzameldekneeled: knieldenoted: noteerdeflipping: bladerendtoe: toekekentrivial: trivialewandering: dwaaldenapologetically: verontschuldigendstammered: stameldesincere: oprechtepaused: pauzeposed: poseerdeadjusted: stelde afcaptured: legde vastcomposition: compositierealized: beseftenbelong: hoort erbijwalking: wandeldenbathed: achterlatendmeasuring: metenpromise: beloftesprang: spronghealth: gezondheidpath: padapologized: verontschuldigde zichconvinced: overtuigde

Fluent Fiction - Danish: Fossils and Family: Unearthing Bonds at Møns Klint Find the full episode transcript, vocabulary words, and more:fluentfiction.com/da/episode/2026-02-23-23-34-02-da Story Transcript:Da: Mikkel var pakket ind i sin varme vinterjakke, mens han stod ved kanten af Møns Klint.En: Mikkel was wrapped up in his warm winter coat as he stood at the edge of Møns Klint.Da: Den skarpe vind gav hans kinder en rød glød, og det grå hav slog mod klipperne nedenfor.En: The sharp wind gave his cheeks a red glow, and the gray sea crashed against the cliffs below.Da: Birgitte og Viggo, hans forældre, tog billeder af det imponerende landskab.En: Birgitte and Viggo, his parents, took pictures of the impressive landscape.Da: Mikkel skottede til dem og mærkede længslen efter at dele noget særligt med dem.En: Mikkel glanced at them and felt the longing to share something special with them.Da: "Se, hvor smukt det er!"En: "Look how beautiful it is!"Da: sagde Birgitte, mens hun pegede kameraet mod horisonten.En: said Birgitte, pointing the camera towards the horizon.Da: "Ja, smukt," svarede Viggo, med hænderne dybt begravet i lommerne.En: "Yes, beautiful," replied Viggo, with his hands deeply buried in his pockets.Da: Men Mikkel havde et andet blik.En: But Mikkel had a different perspective.Da: Han så efter fossiler.En: He was looking for fossils.Da: Der var noget i de hvide skrænter, der kaldte på ham.En: There was something in the white cliffs that called to him.Da: Han havde læst om ammonitter, der gemte sig mellem lagene af kridt.En: He had read about ammonites hidden among the layers of chalk.Da: "Jeg vil gå lidt længere ned," sagde han og pegede mod en sti, der snog sig ned ad bakken.En: "I want to go a bit further down," he said, pointing to a path that wound down the hill.Da: "Pas nu på, det er glat," advarede Birgitte, lidt bekymret.En: "Be careful, it's slippery," warned Birgitte, a little concerned.Da: "Jeg skal nok," svarede Mikkel og begyndte sin forsigtige nedstigning.En: "I will," replied Mikkel and began his cautious descent.Da: Mikkel gik langsomt.En: Mikkel walked slowly.Da: Underlaget var glat, og han måtte holde fast i de bare grene for at holde balancen.En: The ground was slippery, and he had to hold on to the bare branches to keep his balance.Da: Han kunne høre sine forældre snakke bag sig.En: He could hear his parents talking behind him.Da: Langt om længe stødte han på noget.En: At long last, he stumbled upon something.Da: En glimt af noget, der skinnede blandt kridtet.En: A glint of something that shone among the chalk.Da: Han bøjede sig ned og skrabede forsigtigt.En: He bent down and carefully scraped at it.Da: En ammonit!En: An ammonite!Da: "Hvor er du dog fin," hviskede han, øjnene strålende af opdagelsen.En: "How beautiful you are," he whispered, his eyes shining from the discovery.Da: Men da han ville rejse sig, opdagede han, at stien var blevet endnu mere glat.En: But when he tried to get up, he realized the path had become even more slippery.Da: Han tog en dyb indånding.En: He took a deep breath.Da: Han prøvede at tage et skridt tilbage, men gled lidt.En: He tried to take a step back but slipped a little.Da: Fra toppen hørte han pludselig sin mors stemme.En: From the top, he suddenly heard his mother's voice.Da: "Mikkel, er du okay?"En: "Mikkel, are you okay?"Da: "Jeg har fundet en ammonit!"En: "I found an ammonite!"Da: råbte han tilbage.En: he shouted back.Da: "Men det er glat!"En: "But it's slippery!"Da: Viggo og Birgitte skyndte sig hen til kanten.En: Viggo and Birgitte hurried to the edge.Da: De så deres søn stå dernede, lidt usikker på benene, men tydeligt begejstret.En: They saw their son standing down there, a bit unsure on his feet but clearly excited.Da: Med forsigtige skridt kom de ned til ham.En: With careful steps, they made their way down to him.Da: "Wow, den er smuk!"En: "Wow, it's beautiful!"Da: sagde Birgitte, da hun fik øje på fossilen i hans hånd.En: said Birgitte when she spotted the fossil in his hand.Da: "Vi må hellere hjælpe dig op igen," sagde Viggo og rakte hånden ud.En: "We better help you back up," said Viggo, extending his hand.Da: Med fælles kræfter kom de alle op af den glatte stigning.En: With combined efforts, they all made it up the slippery climb.Da: Mikkel stod tilbage med fossilen i hånden, og den varme følelse af at have delt noget vigtigt med sin familie.En: Mikkel stood there with the fossil in his hand, and the warm feeling of having shared something important with his family.Da: På vejen hjem talte de om geologi og fossiler.En: On the way home, they talked about geology and fossils.Da: Mikkel forklarede ivrigt, hvad han vidste.En: Mikkel eagerly explained what he knew.Da: Pludselig var det som om, de alle så på klipperne med nye øjne.En: Suddenly, it was as if they all looked at the cliffs with new eyes.Da: Den dag på Møns Klint blev en dag, hvor Mikkel opdagede, at hans interesse kunne bringe familien tættere sammen.En: That day at Møns Klint became a day where Mikkel discovered that his interest could bring the family closer together.Da: Og mens de gik tilbage mod bilen, kunne han svagt høre havets brusen som en venlig påmindelse om dagens succes.En: And as they walked back to the car, he could faintly hear the sea's roar as a friendly reminder of the day's success. Vocabulary Words:wrapped: pakketglow: glødcliffs: klippernelandscape: landskabglanced: skottedelonging: længslenperspective: blikfossils: fossilerwound: snogslippery: glatconcerned: bekymretdescent: nedstigningbare: barebalance: balancenstumbled: stødteglint: glimtscraped: skrabedebent: bøjedeshining: strålendediscovery: opdagelsenbreathed: indåndingslipped: gledhurried: skyndtespotted: øjefossil: fossilencombined: fællesclimb: stigningeagerly: ivrigtinterest: interessesuccess: succes

Fluent Fiction - Hungarian: Winter Reunion: Finding Strength in Sibling Bonds Find the full episode transcript, vocabulary words, and more:fluentfiction.com/hu/episode/2026-02-22-08-38-20-hu Story Transcript:Hu: A Balaton partját hó borította.En: The shore of Balaton was covered in snow.Hu: A táj csendes volt, csak a fák ágai ropogtak a hidegben.En: The landscape was quiet, with only the branches of the trees creaking in the cold.Hu: Egy távoli fakunyhó előtt esett össze Eszter a nehéz hóval, miközben fenyőágakkal díszítette a verandát.En: In front of a distant log cabin, Eszter collapsed under the heavy snow as she decorated the porch with pine branches.Hu: Mindent tökéletesre próbált csinálni.En: She was trying to make everything perfect.Hu: Áron, aki épp visszatért külföldről, a fagyott tavat nézte az ablakból, nosztalgiát érezve minden pillantásnál.En: Áron, just returned from abroad, was looking at the frozen lake through the window, feeling nostalgic with every glance.Hu: Odabent Tamás ült a kandalló mellett.En: Inside, Tamás sat by the fireplace.Hu: A tűz melegítette a szobát, de a szívében még mindig ott volt a hideg, amit a nemrégiben történt szakítás okozott.En: The fire warmed the room, but in his heart, there was still the cold caused by a recent breakup.Hu: Megpróbálta figyelmen kívül hagyni a fájdalmat, a családra koncentrálva.En: He tried to ignore the pain, focusing on family.Hu: "Remélem, Áron nem mesél folyton a sikereiről.En: "I hope Áron doesn't keep talking about his successes.Hu: Nem vagyok most abban a helyzetben, hogy elhallgassam azokat," sóhajtott magában.En: I'm not in the state to listen to them now," he sighed to himself.Hu: Eszter bement a házba, és mosolyt erőltetett az arcára.En: Eszter went inside and forced a smile on her face.Hu: "Nemsokára ebéd," mondta, de belül továbbra is aggódott a munkájáért, ami nem ment olyan jól, mint ahogy remélte.En: "Lunch will be ready soon," she said, but inside she continued to worry about her job, which wasn't going as well as she had hoped.Hu: Áron megfordult, és a testvéreit nézte.En: Áron turned around and looked at his siblings.Hu: Érezte a feszültséget a levegőben.En: He sensed the tension in the air.Hu: "Eszter, mesélj, mi van veled?En: "Eszter, tell me, what's going on with you?"Hu: " próbálta oldani a hangulatot, közben előkészítve a talajt, hogy elmondhassa saját történetét a külföldi életről.En: he tried to ease the mood while preparing to share his own story about life abroad.Hu: Eszter megállt.En: Eszter paused.Hu: "Semmi különös, csak a szokásos munka," válaszolt, miközben kerülte Áron tekintetét.En: "Nothing special, just the usual work," she replied, avoiding Áron's gaze.Hu: De a pillanatnyi csendet Tamás szakította félbe.En: But the momentary silence was broken by Tamás.Hu: "Miért nem meséled el, milyen nehéz volt az új helyzetben helytállni?En: "Why don't you tell us how tough it was to cope in the new situation?"Hu: " vetette oda Áronnak kicsit keserűen.En: he threw at Áron a bit bitterly.Hu: Áron megértette, hogy nemcsak neki vannak nehézségei.En: Áron understood that he wasn't the only one facing difficulties.Hu: "Igazából," kezdte lassan, "sokkal nehezebb volt, mint gondoltam.En: "Actually," he started slowly, "it was much harder than I thought.Hu: Nem találom a helyem, és számítanék rátok.En: I can't find my place, and I'm counting on you guys."Hu: "A beismerés könnyített a légkörön.En: The admission eased the atmosphere.Hu: Eszter is megnyílt, tapintatosan elmondta, hogy félelmei vannak a munkahelyén.En: Eszter also opened up, tactfully revealing her fears at work.Hu: "Nem mindig érzem, hogy jól teljesítek," vallotta be.En: "I don't always feel like I'm performing well," she admitted.Hu: Tamás mélyet sóhajtva megszólalt: "Akkor legalább nem vagyok egyedül," mondta halkabban.En: With a deep sigh, Tamás spoke: "At least I'm not alone," he said more quietly.Hu: "Néha úgy érzem, nem jól csinálok semmit.En: "Sometimes I feel like I'm not doing anything right."Hu: "Ahogy a nap eltűnt a horizontról, a testvérek a fagyott tó partjára sétáltak.En: As the day disappeared beyond the horizon, the siblings walked to the edge of the frozen lake.Hu: A hó ropogása hangot adott minden lépésüknek.En: The crunching of the snow gave sound to their every step.Hu: "Talán mindenki harcol valamivel," mondta Áron, most már bátrabb.En: "Maybe everyone is battling something," Áron said, now a bit braver.Hu: "De együtt könnyebb.En: "But it's easier together."Hu: "Eszter megfogta a testvérei kezét.En: Eszter held her siblings' hands.Hu: "Tartsuk össze.En: "Let's stick together.Hu: Szükségünk van egymásra," mondta halkan.En: We need each other," she said softly.Hu: A család úgy döntött, hogy gyakrabban találkoznak.En: The family decided to meet more frequently.Hu: "Többet, mint évente egyszer," mosolygott Tamás, most már egy kicsit derültebbnek tűnt.En: "More than once a year," smiled Tamás, now seeming a little brighter.Hu: A Balaton lassan befedte az éjszakát.En: Balaton slowly covered the night.Hu: A testvérek visszasétáltak a házba, a szívük melegen verte át a hideg téli éjszakát.En: The siblings walked back to the house, their hearts beating warmly through the cold winter night.Hu: Együtt, újra egy család voltak, tisztelettel és szeretettel egymás iránt.En: Together, they were a family again, with respect and love for one another. Vocabulary Words:shore: partjátcreaking: ropogtakcabin: fakunyhócollapsed: esett összedecorated: díszítettepine: fenyőnostalgic: nosztalgiátfireplace: kandallóadmission: beismeréstension: feszültségettactfully: tapintatosanbrave: bátrabbbitterly: keserűenperforming: teljesítekhorizon: horizontoncrunching: ropogásaglance: pillantásnálmomentary: pillanatnyisibling: testvéreiease: könnyítetttogether: együttrespect: tisztelnisigh: sóhajtvafears: félelmeilandscape: tájsituation: helyzetbenwarmed: melegítettestick: tartsukfrequently: gyakrabbandisappeared: eltűnt

We just had a historic 14% difficulty adjustment, weather-driven hash rate curtailments, and the groundbreaking Bitcoin-backed bond from Ledn. Get your tickets to OPNEXT 2026 before prices increase! Join us on April 16 in NYC for technical discussions, investor talks, and intimate conversation with the brightest minds in Bitcoin. Matt from CoinShares, Kaan from Luxor, and Jay from Lygos join us to talk about the massive 14.7% Bitcoin difficulty adjustment and the impact of the recent Arctic blast on North American miners. We dive deep into Luxor's 21-month mining analysis, showing why hedging has outperformed spot mining since the 2024 halving. Finally, we discuss Ledn's historic Triple B-rated Bitcoin-backed bond and how institutional investors are beginning to view Bitcoin as high-quality collateral compared to traditional assets. Subscribe to the newsletter! https://newsletter.blockspacemedia.com Notes: • Bitcoin difficulty spikes +14.73 • Hashprice drops to all-time low of $30/PH/day. • ERCOT uneconomic hours rose over 900%. • Ledn bond rated Triple B- by S&P Global. • Hedging outperformed spot mining in 2025 Timestamps: 00:00 Start 02:56 Bombshell difficulty adjustment!!! 20:08 Ledn's $188M Bitcoin-Backed Bond Securitization 31:03 Nakamoto acquires Bitcoin Conference & UTXO Mgmt 38:24 Datacenter cry corner/culture corner

This week, we're fresh off the inaugural TG Macro Conference in Nashville, unpacking all the biggest takeaways ranging from commodity cycles, gold, miners, oil, rates, and market psychology. We also reflect on trading lessons, risk management, and why in-person macro communities matter more than ever. Enjoy! — Follow Tony: https://x.com/TgMacro Follow Jared: https://x.com/dailydirtnap Follow Quinn: https://x.com/qthomp Follow Felix: https://twitter.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ Forward Guidance Telegram: https://t.me/+CAoZQpC-i6BjYTEx Join us at Digital Asset Summit 2026 in NYC March 24-26th! Use code FORWARD200 for $200 OFF! https://blockworks.co/event/digital-asset-summit-nyc-2026 — Coinbase crypto-backed loans, powered by Morpho, enable you to take out loans at competitive rates using crypto as collateral. Rates are typically 4% to 8%. Borrow up to $5M using BTC as collateral and up to $1M using ETH as collateral. Manage crypto-backed loans directly in the Coinbase app with ease. Learn more here: https://www.coinbase.com/onchain/borrow/get-started?utm_campaign=0126_defi-borrow_blockworks_FG&marketId=0x9103c3b4e834476c9a62ea009ba2c884ee42e94e6e314a26f04d312434191836&utm_source=FG — Timestamps: (00:00) Intro (01:42) Inaugural TG Macro Conference (08:27) Demographics, Debt & Hard Lessons (12:18) Oil, Commodities, Miners (18:54) Gold, Energy & Commodity Cycles (24:21) Rates, Bonds & Global Markets (26:28) Ads (Coinbase) (27:21) Warsh, Yields, Bull Markets (33:09) Market Psychology & Bull Case For America (41:08) Final Thoughts — Disclaimer: Nothing said on Forward Guidance is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed. #macro #investing #markets #stocks #stockmarket

Dinner auction season is here! Kelly is ready to bid for the biggest item of the night: front row for the kindergarten performance. But the biggest challenge may be getting through the dessert auction without consuming any sugar. Speaking of Kelly's sugar-free lent, it's been a few days and she has some takeaways. Could this be her new normal?  This week, Kelly and Lizz are bringing a Q & A to the podcast. They are answering all the questions you've been asking on their social media. Find out their first cars, the secret to keeping the family bond and Kelly's real thoughts on the Ford Explorer.  Speaking of Ford, today's Industry News includes two Ford stories. Then in Ditch the Drive-Thru it's all about a Trader Joe's favorite. 

Shelly Bond and Philip Bond join me to talk about their new Kickstarter project, 100 FAQs on Making Comics, a straight-shooting, experience-driven guide for anyone serious about breaking in or leveling up in the comics industry.Shelly brings decades of hands-on experience editing creator-owned books as well as shaping landmark work at Vertigo and IDW, giving her a front-row seat to what actually makes comics succeed creatively and commercially. Philip complements that insight with sharp storytelling instincts and his signature humorous illustrations that make the lessons land without feeling like homework. Together, they're tackling the real questions creators ask about craft, pitching, collaboration, deadlines, and navigating the business, turning hard-earned industry wisdom into an accessible, entertaining playbook for the next generation of comics makers.support the campaign and buy the book here https://t.co/3Guqatubvi