Podcasts about Schwab

Thank you for tuning in to Episode 303 of the Down Cellar Studio Podcast. Full show notes with photos can be found on my website. This week's segments included:   Off the Needles, Hook or Bobbins On the Needles, Hook or Bobbins From the Armchair Knitting in Passing In my Travels KAL News Ask Me Anything On a Happy Note Quote of the Week   Off the Needles, Hook or Bobbins   Gabriella's Unicorn Pattern: Shy Little Unicorn by Ana Paula Rimoli Hook: C (2.75 mm) Yarn: Red Heart Super Saver (white), Knit Picks Brava Worsted (cotton candy & various solids) Ravelry Project Page Total for Stash Dash: 116 meters   Sum-Sum-Summertime socks Yarn: Woolens & Nosh SW Targhee Sock in the colorway Sum-Sum-Summertime Pattern: OMG Heel Socks by Megan Williams ($5 knitting pattern available on Ravelry) Needles: US 1.5 (2.5 mm) Ravelry Project Page About the Colorway- thinner stripes- 2 colors of aqua, lime green, pink and an orange/peachy yellow. CC mini in lime Total for Stash Dash: 293.3 meters   Stash Dash Total for this episode: 8,715.2 meters   On the Needles, Hook or Bobbins   Hot pink spinning Fiber: Mountain Vewe Coopworths Fiber in hot pink (no specific colorway name)- three 4oz bumps Ravelry Project Page Twist direction: singles = Z plied = S This means when I'm spinning, my wheel is spinning clockwise and when plying my wheel is moving counter-clockwise. Progress: ~1/2 way through first bump. 1st bobbin full and the second is started I've now spun in July and August so I've only missed 2 months so far this year.   Log Cabin Blanket Pattern: Log Cabin Square by Julie Harrison. Free crochet pattern available on Ravelry. Video tutorial available on the Little Woollie Makes YouTube Channel Yarn: Legacy Fiber Artz Minis (mostly from Advent calendars 2023 & 2024) Hook: I (5.5 mm) Ravelry Project Page Inspired by Rachel (treehousefiberarts on Instagram) and Sue & Chelsea (Legacy Fiber Artz on Instagram). Check out the Floss Toss Ravelry Group for details on their Scrappy Blanket CAL. Ends December 21st (but you don't have to finish. 2 prize drawings will be done). My color placement is inspired by this project/pattern available on Ravelry.     From the Armchair   Famous Last Words by Gillian McAllister. Amazon Affiliate Link. My Friends by Fredrik Backman. Amazon Affiliate Link.   Note: Some links are listed as Amazon Affiliate Links. If you click those, please know that I am an Amazon Associate and I earn money from qualifying purchases.   Knitting in Passing   I shared a story about a little girl in the nail salon who asked her mom if they could come talk to me because she wants to learn to knit.   In My Travels Travel packing tips Packing cubes- here's an Amazon affiliate link to the set I purchased 6 years ago and still love! I always pack some clothes pins/ metal or wood that I use for snacks/drink mix pouches and/or to keep curtains closed in hotel. I have a standard packing list in Evernote that I customize for each trip. It saves so much time and frustration. Pack a travel power strip- to keep all of those chraging cords in one place (also less likely to leave one behind) Knitting project approach At least 2 socks/stockinette hats for waiting, sitting etc. A project that occupies my brain and makes a long flight go by easier. Queue the audiobooks & download podcasts   KAL News   Splash Pad Final Winners were announced!   Pigskin Party '25 Sponsor Sign Up is Open- click here for details Key Dates: Registration starting Thursday August 20, 2025 KAL Starts- Thursday September 4, 2025 KAL Ends- Monday February 9, 2026 Form Teams- starting Monday August 25, 2025 Virtual Kick Off- Friday September 5 & Saturday September 6   Ask Me Anything   Tune in to hear the answers to these questions: Pat- loonyhiker asked: I know you have probably told this before, but I'd love to hear how you and your honey met. I also would love to hear how your parents met. (bonus audio of my parents talking about this by the pool in 2017) Sandy, sjh801 asked:  Favorite children's book? Both as a child and now as an adult. Children's Book (purely for sentimental reasons): Walk Rabbit Walk by Colin McNaughton. Amazon Affiliate Link. Hardcover available for ~$20 & paperback for around $7 Adult book: Pillars of the Earth by Ken Follett. Amazon Affiliate Link.John Lee does the audiobooks for what is now this series of books. Book 1 of 5 now in this series. I love them all. Dianne, woohoogirl asks: Do you have a Dream project that you'd really like to make that you just haven't made the time, or plans, for yet? The Traveler by Andrea Mowry ($9 knitting pattern available on Ravelry & the Drea Renee Knits website). This may be my favorite version:a handspun Traveler knit by Emily Curtis. Check out her Instagram post. Click here for a post about the handspun yarn Carrie, Gooberdawn asks: Do you have a project you have created that you feel most proud of? If so, which one and why? ETA: it doesn't have to be yarn-related. Laura, LauraKnitsPA asks: What is one book you would read over and over, and one movie you would watch over and over? Book- The Invisible Life of Addie LaRue by V.E. Schwab. Amazon Affiliate Link Movie: You've Got Mail Dani, stitchintime82-  Any updates on designing? I've enjoyed your patterns and am wondering if you have any plans to make more patterns.   On a Happy Note I was able to get my Apple watch to charge again after I thought it was dead. Oikos yogurt shake/drinks with 23g of protein. My friend Nathan had a heart and kidney transplant just over 1 year ago. He's still learning to walk again after ECMO caused major nerve damage in his legs- and we just went to see the musical he directed. Sometimes this world feels so dark right now but this made me incredibly happy. The night we had tickets for the show, we lost power, so we made it a full date night and went for dinner too. A visit from my cousin Gayle. We enjoyed a great pool day on Sunday and dinner in our town Monday night followed by a walk along the harbor. Gayle chose Mom's Trickle shawl as the item she wanted of hers. I took a photo of her and Google photos turned it into a pop-out. Trickle Shawl- Ravelry | LoveCrafts I gifted Gayle the pair of Stranger Things 2 socks from DVD as an early birthday gift and she sent me a cute photo of her wearing them the next morning. Great customer service from an Etsy maker to order pins. I had fun putting together photos Millie, Teaghan and Rhiannon asked me to take a couple weekends ago at the pool of them jumping off the diving board and making their bodies into the shape of the letters of the alphabet. Fun memories!   Quote of the Week “It's not hotels and nightclubs I crave, or even spectacular beaches -- it's isolation and solitude, time away from the human world and a chance to measure life on a different kind of yardstick.” ― Peter S. Adler   ------ Thank you for tuning in. Remember show notes for this episode can be found at www.downcellarstudio.com/# If you have a moment to leave a review on Apple Podcasts, I'd greatly appreciate it. I can be found on Ravelry as BostonJen and I'd love it if you came over to join our lively and engaged Down Cellar Studio Ravelry Group. Check me out on Instagram at BostonJen1 if you want to see what I'm up to between episodes. Check out my Down Cellar Studio YouTube Channel Email me at downcellarstudio@gmail.com   For website: Thank you for tuning in!   Contact Information: Check out the Down Cellar Studio Patreon! Ravelry: BostonJen & Down Cellar Studio Podcast Ravelry Group Instagram: BostonJen1 YouTube: Down Cellar Studio Facebook: https://www.facebook.com/downcellarstudio Sign up for my email newsletter to get the latest on everything happening in the Down Cellar Studio Check out my Down Cellar Studio YouTube Channel Knit Picks Affiliate Link Bookshop Affiliate Link Yarnable Subscription Box Affiliate Link FearLESS Living Fund to benefit the Blind Center of Nevada Music -"Soft Orange Glow" by Josh Woodward. Free download: http://joshwoodward.com/ Note: Some links are listed as Amazon Affiliate Links. If you click those, please know that I am an Amazon Associate and I earn money from qualifying purchases.  

In this bonus episode of the Behind The Song podcast, dig in to the story of Coco Schwab, the behind-the-scenes assistant David Bowie credited with saving his life. Together until the very end, their friendship was a lifeline for Bowie for over 46 years, and he even wrote a song specifically for her. Get into it in this episode!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Frank Schwab, from Yahoo Sports!, joins Robby and Rexrode. Schwab talks about Shedeur Sanders' preseason debut and other NFL team headlines for this upcoming season. Robby and Rexrode react to what Schwab had to say and talk more Titans Football. The hour ends with final thoughts. 

In this episode of The Book Fix, Yajaira and Cheli sink their teeth into Bury Our Bones in the Midnight Soil by V.E. Schwab, a hauntingly lyrical novel that weaves together centuries of longing, rage, and desire for freedom. Told across three timelines—1532 in Spain, 1827 in London, and 2019 in Boston—this story connects three women bound by mysterious forces and desperate choices. Join the besties as they discuss whether or not that sad sapphic, gothic horror book fixed—or ruined—their lives?!Support the showOur Linktree: https://linktr.ee/thebookfix?utm_source=linktree_admin_sharebecome our Patron ♡ https://www.patreon.com/BookFixbuy us a book ♡ https://www.buymeacoffee.com/thebookfixBusiness Inquiries: thebookfixpodcast@gmail.comfollow us on Tiktok! ♡ https://www.tiktok.com/@thebookfix

After you listen:Listen to the latest episode of the Choiceology podcast, "How a Single Source of Information Can Seem Like Several."To learn more about Katy Milkman and her work in behavioral economics, visit her website or check out her book How to Change: The Science of Getting from Where You Are to Where You Want to Be.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresThe comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.All corporate names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk including loss of principal.The book How to Change: The Science of Getting from Where You Are to Where You Want to Be is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Charles Schwab & Co., Inc. (CS&Co.) has not reviewed the books and makes no representations about its content.(0825-X4DK)

Jake, Dani, Lesley, and Katie talk about some of their favorite vampire reads from this year. We cover Bury Our Bones in the Midnight Soil by V. E. Schwab, Hungerstone by Kat Dunn, The Buffalo Hunter Hunter by Stephen Graham Jones, and Of Monsters and Mainframes by Barbara Truelove. There's something on this list for everyone! 

Inflation may not be in the headlines like it was in 2022, but for most Americans, it's still public enemy number one when it comes to saving for retirement. A new Schwab survey reveals just how many people still feel unprepared and how that affects their confidence in their financial future.   Contact Info: Website: https://crystallaketax.com/ Phone Number: 815-526-3092

In Episode 202, Susie (@NovelVisits) and Sarah explore some of their new favorite Micro Genres. Since starting the Micro Genres series, they've loved taking the opportunity each year to examine and define their tastes in these sub-sub-genres. This year, they have curated a list of 10 all-new Micro Genres, along with notable books for each category. With over 80 books mentioned, this is another year of niching down for some great book recommendations! This post contains affiliate links through which I make a small commission when you make a purchase (at no cost to you!). CLICK HERE for the full episode Show Notes on the blog. Books Told From the Perspective of the Person Left Behind (Sarah) [2:26] Sarah The Wanderers by Meg Howrey (2017) | Amazon | Bookshop.org  [3:39] Atmosphere by Taylor Jenkins Reid (2025) | Amazon | Bookshop.org  [3:52] Happiness Falls by Angie Kim (2023) | Amazon | Bookshop.org [4:29] Miracle Creek by Angie Kim (2019) | Amazon | Bookshop.org [4:31] Shred Sisters by Betsy Lerner (2024) | Amazon | Bookshop.org [4:42] Penitence by Kristin Koval (2025) | Amazon | Bookshop.org [4:52] Z by Therese Ann Fowler (2013) | Amazon | Bookshop.org  [5:11] The Paris Wife by Paula McLain (2011) | Amazon | Bookshop.org  [5:19] An American Wife by Curtis Sittenfeld (2008) | Amazon | Bookshop.org  [5:26] The Swans of Fifth Avenue by Melanie Benjamin (2016) | Amazon | Bookshop.org  [5:35] The Wives by Simone Gorrindo (2024) | Amazon | Bookshop.org  [5:59] A Mother's Reckoning by Sue Klebold (2016) | Amazon | Bookshop.org  [6:41] Susie Station Eleven by Emily St. John Mandel (2014) | Amazon | Bookshop.org  [7:07] Good Morning, Midnight by Lily Brooks-Dalton (2016) | Amazon | Bookshop.org [7:35] The Light Pirate by Lily Brooks-Dalton (2022) | Amazon | Bookshop.org  [7:37] Circe by Madeline Miller (2018) | Amazon | Bookshop.org  [7:52] We Begin at the End (Susie) [8:22] Sarah Beyond the Point by Claire Gibson (2019) | Amazon | Bookshop.org [12:46] Penitence by Kristin Koval (2025) | Amazon | Bookshop.org [13:16] I'm That Girl by Jordan Chiles (2025) | Amazon | Bookshop.org  [14:20]  Susie The Three Lives of Cate Kay by Kate Fagan (2025) | Amazon | Bookshop.org[10:20] What Happened to Nina? by Dervla McTiernan (2024) | Amazon | Bookshop.org[10:49]  Victim by Andrew Boryga (2024) | Amazon | Bookshop.org  [11:48] How We Named the Stars by Andrés N. Ordorica (2025) | Amazon | Bookshop.org  [12:21]  Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org  [12:28]  Other Books Mentioned We Begin at the End by Chris Whitaker (2021) [8:33]  A Marriage at Sea by Sophie Elmhirst (2025)  [13:54]  Big Business Women (Sarah) [14:34] Sarah Anna Bright is Hiding Something by Susie Orman Schnall (2024) | Amazon | Bookshop.org [15:29] The Boys' Club by Erica Katz (2020) | Amazon | Bookshop.org  [15:46]  Women Are the Fiercest Creatures by Andrea Dunlop (2023) | Amazon | Bookshop.org  [15:51]  Dead Money by Jakob Kerr (2025) | Amazon | Bookshop.org  [15:55]  Susie The Whisper Network by Chandler Baker (2019) | Amazon | Bookshop.org[16:30] The Female Persuasion by Meg Wolitzer (2018) | Amazon | Bookshop.org [16:55]  Other Books Mentioned Bad Blood by John Carreyrou (2018) [15:34]  Books By Irish Authors Telling Distinctly Irish Stories (Susie) [17:35] Sarah Say Nothing by Patrick Radden Keefe (2018) | Amazon | Bookshop.org  [22:30]  Northern Spy by Flynn Berry (2021) | Amazon | Bookshop.org  [22:43]  The Rachel Incident by Caroline O'Donoghue (2023) | Amazon | Bookshop.org [22:52]  56 Days by Catherine Ryan Howard (2021) | Amazon | Bookshop.org  [23:39]  Susie Nesting by Roisín O'Donnell (2025) | Amazon | Bookshop.org  [19:39] The Coast Road by Alan Murrin (2024) | Amazon | Bookshop.org [20:07] The Heart's Invisible Furies by John Boyne (2017) | Amazon | Bookshop.org[20:54]  Juno Loves Legs by Karl Geary (2023) | Amazon | Bookshop.org  [20:59] Home Stretch by Graham Norton (2020) | Amazon | Bookshop.org  [21:02]  Small Things Like These by Claire Keegan (2021) | Amazon | Bookshop.org [21:50]   Trespasses by Louise Kennedy (2022) | Amazon | Bookshop.org  [22:07]  Other Books Mentioned Angela's Ashes by Frank McCourt (1996) [19:20]  Normal People by Sally Rooney (2018) [23:16]  Strange Sally Diamond by Liz Nugent (2023) [24:07]  Unraveling Oliver by Liz Nugent (2013) [24:09]  The Collective “We” Narration (Sarah) [24:33] Sarah The Virgin Suicides by Jeffrey Eugenides (1993) | Amazon | Bookshop.org[25:59]  We Wish You Luck by Caroline Zancan (2020) | Amazon | Bookshop.org [26:16]  The Mothers by Britt Bennett (2016)| Amazon | Bookshop.org  [27:31]  Unlikely Animals by Annie Hartnett (2022) | Amazon | Bookshop.org  [27:56]  Susie The Buddha in the Attic by Julie Otsuka (2011) | Amazon | Bookshop.org [28:38] The Swimmers by Julie Otsuka (2023) | Amazon | Bookshop.org  [28:58]   Other Books Mentioned The Age of Miracles by Karen Thompson Walker (2012) [25:09]  The Strange Case of Jane O. by Karen Thompson Walker (2025) [25:11]  The Vanishing Half by Brit Bennett (2020) [27:39]  Torn Between Two Lovers: The Women's Edition (Susie) [29:40] Sarah Gone with the Wind by Margaret Mitchell (1936) | Amazon | Bookshop.org [33:05]  Bridget Jones's Diary by Helen Fielding (1996) | Amazon | Bookshop.org  [33:14]  Twilight by Stephenie Meyer (2005) | Amazon | Bookshop.org  [33:35] Susie Broken Country by Clare Leslie Hall (2025) | Amazon | Bookshop.org [31:18]  The Paper Palace by Miranda Cowley Heller (2021) | Amazon | Bookshop.org  [31:38]  One True Loves by Taylor Jenkins Reid (2016) | Amazon | Bookshop.org [32:18]  An American Marriage by Tayari Jones (2018) | Amazon | Bookshop.org  [32:44]  Fiction Modeled on Real-Life Serial Killers or Crimes (Sarah) [33:50] Sarah The Death of Us by Abigail Dean (2025) | Amazon | Bookshop.org [34:33]  Bright Young Women by Jessica Knoll (2023) | Amazon | Bookshop.org [34:39]  Heartwood by Amity Gaige (2025)| Amazon | Bookshop.org  [34:42]   We Burn Daylight by Bret Anthony Johnston (2024) | Amazon | Bookshop.org [34:52]  The Girls by Emma Cline (2016) | Amazon | Bookshop.org  [35:00] Only Love Can Break Your Heart by Ed Tarkington (2016) | Amazon | Bookshop.org [35:05] When the Stars Go Dark by Paula McLain (2021) | Amazon | Bookshop.org [35:29]  Monday, Monday by Elizabeth Crook (2014) | Amazon | Bookshop.org  [35:39]  Susie Wolf at the Table by Adam Rapp (2024) | Amazon | Bookshop.org  [36:05]  Books with Characters Struggling with Mental Health (Susie) [36:57] Sarah Sociopath by Patric Gagne, PhD (2024) | Amazon | Bookshop.org  [41:24]  Sorrow and Bliss by Meg Mason (2020) | Amazon | Bookshop.org  [41:58]  Bitter Sweet by Hattie Williams (2025) | Amazon | Bookshop.org  [42:13]  Fire Exit by Morgan Talty (2024) | Amazon | Bookshop.org  [42:23]  When I Ran Away by Ilona Bannister (2021) | Amazon | Bookshop.org  [42:28] The Curious Incident of the Dog in the Night-Time by Mark Haddon (2003) | Amazon | Bookshop.org  [42:36]   Susie Shred Sisters by Betsy Lerner (2024) | Amazon | Bookshop.org [37:56]  More or Less Maddy by Lisa Genova (2025) | Amazon | Bookshop.org [39:06]  Interesting Facts About Space by Emily Austin (2024) | Amazon | Bookshop.org [39:43]  My Lovely Wife in the Psych Ward by Mark Lukach (2017) | Amazon | Bookshop.org [40:13]  I'm Thinking of Ending Things by Iain Reid (2016) | Amazon | Bookshop.org [40:58] Other Books Mentioned Soldier Sailor by Claire Kilroy (2023) [42:33]  Dude Thrillers (Sarah) [42:45] Sarah Dead Money by Jakob Kerr (2025) | Amazon | Bookshop.org [43:34]  The Boomerang by Robert Bailey (2025) | Amazon | Bookshop.org  [43:40]  Departure 37 by Scott Carson (2025) | Amazon | Bookshop.org  [43:55]  The Wealth of Shadows by Graham Moore (2024) | Amazon | Bookshop.org [44:10]  Red Widow by Alma Katsu (2021) | Amazon | Bookshop.org  [44:27] Red London by Alma Katsu (2023) | Amazon | Bookshop.org  [44:28]   Susie The Holdout by Graham Moore (2020) | Amazon | Bookshop.org  [44:57]  The River by Peter Heller (2019) | Amazon | Bookshop.org  [45:24]  Burn by Peter Heller (2024) | Amazon | Bookshop.org  [45:25]  The Martian by Andy Weir (2011) | Amazon | Bookshop.org  [45:36]  Other Books Mentioned Project Hail Mary by Andy Weir (2021) [45:41]  All the Sinners Bleed by S. A. Cosby (2023) [45:33]  Blacktop Wasteland by S. A. Cosby (2020) [46:06]  Razorblade Tears by S. A. Cosby (2021) [46:13]  Standalone Fantasy Set on Earth (Susie) [46:36] Susie The Invisible Life of Addie LaRue by V. E. Schwab (2020) | Amazon | Bookshop.org [48:36] Bury Our Bones in the Midnight Soil by V. E. Schwab (2025) | Amazon | Bookshop.org [48:39] The Familiar by Leigh Bardugo (2024) | Amazon | Bookshop.org [49:07] Ninth House by Leigh Bardugo (2019) | Amazon | Bookshop.org [49:08] Weyward by Emilia Hart (2023) | Amazon | Bookshop.org  [49:28]  The Library at Mount Char by Scott Hawkins (2015) | Amazon | Bookshop.org [49:32]  Circe by Madeline Miller (2018) | Amazon | Bookshop.org  [49:50]  The Song of Achilles by Madeline Miller (2011) | Amazon | Bookshop.org [49:51]  Other Books Mentioned A Court of Thorns and Roses by Sarah J. Maas (2015) [47:03]  Black Chalk by Christopher J. Yates (2013) [50:30] 

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Bill and Tony discuss the growth and evolution of alternative investments, address liquidity concerns, and emphasize the importance of education in the latest episode of Alternative Allocations. Bill highlights the industry's efforts to make alts more accessible through new product structures and the potential for including private markets in model portfolios and defined contribution plans. Bill Duffy is a Vice President of Alternative Investments for Fidelity Investments. He is responsible for Fidelity's alternative investment platform solutions which enable Fidelity clients access to alternative investment strategies. Bill focuses on developing Fidelity's alternative investment platform strategy, as well as overseeing Fidelity's relationship with leading alternative investment platforms and asset managers. Additionally, Bill educates Fidelity clients and prospects about alternative investment programs available through Fidelity. He is often a featured speaker on alternative investment strategies and trends at industry conferences and events. Prior to Fidelity, Bill worked at Charles Schwab & Co., Inc. where he was Managing Director of Relationship Management, overseeing relationships with over 700 third-party asset managers. He also led product strategy for Schwab's alternative investment platform team. In that role, he also collaborated with industry thought leaders to deliver alternative investment education to thousands of RIAs. Earlier in his career, Bill was an Executive Director at a boutique alternative investment advisory firm, where he was responsible for consulting with RIAs, family offices, and institutional investors on alternative investment strategies including private equity, private credit, real estate, and hedge fund opportunities. Bill is currently Chairman of the Board of Directors for the Institute for Portfolio Alternatives (“IPA”), an industry trade group focused on expanding access to alternative investments strategies and advocating on behalf of the alternative investment industry. Prior to being elected Chair of the Board, he was an active Board member since 2020. Enjoying Alternative Allocations? Please take a moment to rate and review us. Your feedback helps us deliver more insightful episodes on alternative investments! Resources: Bill Duffy | LinkedIn Alternatives by Franklin TempletonTony Davidow, CIMA® | LinkedIn

On this episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Preston Gee, CFP® of Peak Wealth discussed a Schwab survey that asked people how much money it takes to feel wealthy. They explored how people's perceptions of wealth are often tied to specific financial milestones, reflecting what they believe would provide comfort, security, and a sense of success. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com

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In this episode, Don and Tom tackle investor emotion during market highs and use a Schwab-inspired scenario to show how discipline beats market timing—every time. They walk through four fictional investors (lucky, disciplined, unlucky, and fearful) to reveal the long-term value of staying invested. The hosts also answer a listener's question about breaking into the fiduciary advice world and finish with a blistering takedown of FIBA, a so-called fiduciary group pushing high-commission annuities to federal workers. This one's part reality check, part rally cry. 0:04 Emotional investing and the danger of reacting to market highs 1:13 Why timing the market is so tempting—and so wrong 2:35 Four investor scenarios: lucky, disciplined, unlucky, and the guy who sat it out 5:03 20-year returns: how even the worst timing beat sitting in T-bills 6:25 Discipline as a risk-reduction strategy and emotional filter 8:16 Worst-case fear vs real-world data: even the unlucky come out ahead 9:21 Market rebounds: faster than most think, from 2008 to 2025 10:28 The fourth golden rule: Discipline beats market noise 13:03 Listener Zach thanks Tom—phone call advice pays off 13:34 Listener “Long” asks how to become a fiduciary advisor 14:55 Why financial skills alone don't make great advisors 16:38 Should you start at a sales-driven firm? Probably not 18:04 Better idea: get your Series 65, find a DFA firm, study for CFP 20:08 Sales skills matter—but you don't have to sell your soul 20:55 Listener asks about FIBA and a “too good to be true” annuity pitch 21:48 FIBA's fake fiduciary claim and questionable annuity advice 24:30 Unregistered “advisors” pushing 9–11% commission products 26:25 Why these products are sold: $35K+ commissions 28:30 How to spot fake fiduciaries—and what real ones disclose 29:23 Tom and Don still steaming about annuity predators Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 5: After two decades in high-level roles at Microsoft, Dell, and Schwab, Bryan Hancock stepped into the world of private investing—without quitting his corporate job. In this episode, Bryan joins Lance to share how high-income professionals can use oil & gas, real estate, and smart tax strategies to unlock financial freedom without walking away from their careers. Learn how to shift your mindset, build alternative income streams, and take control of your wealth future—on your terms.

In deze aflevering van Duitsland Vakantieland verkennen Ben Roelants en wijnliefhebber Jens De Maere het verrassend bruisende Koblenz, gelegen op het kruispunt van de Rijn en de Moezel. Ze stijgen letterlijk tot grote hoogten met een wijntasting in een sportvliegtuig, met adembenemende uitzichten op kastelen, bochten in de rivier en wijngaarden.Terug met de voeten op de grond ontmoeten ze het duo Gerard en Jonas Spurzen, vader en zoon, klassiek versus experimenteel – die elk hun eigen visie op wijn vertalen in een fles. Van traditie naar natuurwijn, met passie en humor. Jens ontdekt ook de steile terraswijngaarden van het domein Schwab, terwijl Ben op zoek gaat naar lokale chocolade voor een verrassend geslaagde wijnpairing.De reis eindigt in stijl met moeflonlever, sappige verhalen en de frisse lokale cocktail Kaltes Ende, op een zonovergoten dakterras.Proost op deze levendige wijnstad met karakter, contrast en charme!Meer weten over Koblenz?https://www.germany.travel/en/cities-culture/koblenz.htmlhttps://www.germany.travel/en/inspiring-germany/rhineland-palatinate.htmlhttps://www.germany.travel/en/campaign/cultureland-germany/wine.html----------------------------------------------Duitsland Vakantieland is een podcast van Germany Tourism | Host: Ben Roelants | Productie: De Praeters

Cemetery Boys by Aiden Thomas is a heartfelt story of first love, identity and home. Aiden joins us to talk about fan interactions, reflecting on the 5 years since publishing his debut, Día de Muertos, heart stories, influences and more with cohost Isabelle McConville. This episode of Poured Over was hosted by Isabelle McConville and mixed by Harry Liang.                     New episodes land Tuesdays and Thursdays (with occasional Saturdays) here and on your favorite podcast app. Featured Books (Episode): Cemetery Boys by Aiden Thomas Lost in the Never Woods by Aiden Thomas The Sunbearer Trials by Aiden Thomas Labyrinth Lost by Zoraida Córdova Bury Our Bones in the Midnight Soil by V.E. Schwab

Liberty Dispatch ~ August 01, 2025In this episode of Liberty Dispatch, hosts Andrew DeBartolo and Matthew Hallick discuss what Klaus Schwab's ouster, Feucht's cancellation, and the recent AD campaigns from American Eagle and Nike featuring Sydney Sweeney and Scottie Scheffler, respectively, mean for our culture. Things be wildin'! For full access to all our content, become a paid subscriber at: https://ldcanada.substack.com; Introduction (00:00-04:03)Segment 1 - Sean Feucht's Concert CANCELLATIONS is More Anti-Christian Law-fare (04:03-18:59):"Montreal church fined over Sean Feucht services" | National Post: https://nationalpost.com/news/canada/montreal-church-sean-feucht-fined; Segment 2 - The Downfall of the WEF's Dr. Evil, Klaus Schwab (21:15-40:58):"World Economic Forum’s Klaus Schwab faces growing scrutiny, investigations intensify" | The Telegraph: https://www.telegraph.co.uk/world-news/2025/07/26/world-economic-forum-klaus-schwab-investigation; Segment 3 - The EU’s Targeted ATTACK on so-called “Religious Extremism” (43:05-01:05:00):Scottie Scheffler: Links golf 'fits my strengths' (FULL PRESSER) | Live From The Open | Golf Channel | YouTube: https://www.youtube.com/embed/hUOrPqv0eU0;"Golf Digest X‑post shows viral photo from tournament coverage" | X – Golf Digest: https://x.com/GolfDigest/status/1946994333434998862/photo/1;"Sydney Sweeney’s American Eagle ad receives backlash over 'jeans and genes' tagline, accused of racist and Nazi connotations" | Daily Mail: https://www.dailymail.co.uk/tvshowbiz/article-14957087/american-eagle-sydney-sweeney-jeans-genes-ad-backlash-racist-nazi.html.Conclusion (01:05:00-01:15:27) SHOW SPONSORS:New Sponsor! Bitcoin Mentor: https://bitcoinmentor.io/aff/liberty Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/dispatch; BarterPay: https://barterpay.ca/; Barter It: https://www.barterit.ca/; Get freedom from Censorious CRMS by signing up for SalesNexus: https://www.salesnexus.com/; SUBSCRIBE TO OUR SHOWS/CHANNELS:LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; CONTACT US: libertydispatch@pm.me STAY UP-TO-DATE ON ALL THINGS LD:Instagram: https://www.instagram.com/liberty_dispatch/; Facebook: https://www.facebook.com/LibertyDispatchCanada; X: @LDCanada - https://x.com/_LDCanada; Rumble: https://rumble.com/LDshow; YouTube: https://www.youtube.com/@libertydispatch Please LIKE, SUBSCRIBE, RATE, & REVIEW, and SHARE it with others!

This week, Kevin Gordon fills in for Liz Ann Sonders while she is on vacation. Kevin and Kathy Jones discuss the current state of the markets, focusing on tariff implications, inflation concerns, labor market dynamics, and sector performance. They explore how these factors influence investment strategies and the overall economic outlook, emphasizing the importance of understanding underlying trends and potential volatility ahead.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 DisclosuresThis 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 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.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. 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.This information is not a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this informationForecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.The Sahm Rule or Sahm Recession Indicator signals the start of a recession when the three-month moving average of the national unemployment rate (U3) rises by 0.50 percentage points or more relative to the minimum of the three-month averages from the previous 12 months.(0825-S806)

Did you know that the Bill Gates Foundation has tremendous influence over global health, journalism, and agricultural policy? join Food Sleuth Radio host and Registered Dietitian, Melinda Hemmelgarn for her conversation with Tim Schwab, investigative journalist and author of The Bill Gates Problem: Reckoning with the Myth of the Good Billionaire. Schwab critically examines the influence and impacts of the Gates Foundation's philanthropy, as well as how to build a movement against oligarchy. Schwab explains how Gates has successfully paved the way for corporate capture of public goods, and that many of his ventures have ended in failure, leaving communities worse off. Web: https://timschwab.substack.com/aboutRelated Websites: https://timschwab.substack.com/about

Liberty Dispatch ~ August 01, 2025 In this episode of Liberty Dispatch, hosts Andrew DeBartolo and Matthew Hallick discuss what Klaus Schwab's ouster, Feucht's cancellation, and the recent AD campaigns from American Eagle and Nike featuring Sydney Sweeney and Scottie Scheffler, respectively, mean for our culture. Things be wildin'! For full access to all our content, become a paid subscriber at: https://ldcanada.substack.com; Introduction (00:00-04:03) Segment 1 - Sean Feucht's Concert CANCELLATIONS is More Anti-Christian Law-fare (04:03-18:59): "Montreal church fined over Sean Feucht services" | National Post: https://nationalpost.com/news/canada/montreal-church-sean-feucht-fined; Segment 2 - The Downfall of the WEF's Dr. Evil, Klaus Schwab (21:15-40:58): "World Economic Forum's Klaus Schwab faces growing scrutiny, investigations intensify" | The Telegraph: https://www.telegraph.co.uk/world-news/2025/07/26/world-economic-forum-klaus-schwab-investigation; Segment 3 - The EU's Targeted ATTACK on so-called “Religious Extremism” (43:05-01:05:00): Scottie Scheffler: Links golf 'fits my strengths' (FULL PRESSER) | Live From The Open | Golf Channel | YouTube: https://www.youtube.com/embed/hUOrPqv0eU0; "Golf Digest X‑post shows viral photo from tournament coverage" | X – Golf Digest: https://x.com/GolfDigest/status/1946994333434998862/photo/1; "Sydney Sweeney's American Eagle ad receives backlash over 'jeans and genes' tagline, accused of racist and Nazi connotations" | Daily Mail: https://www.dailymail.co.uk/tvshowbiz/article-14957087/american-eagle-sydney-sweeney-jeans-genes-ad-backlash-racist-nazi.html. Conclusion (01:05:00-01:15:27) SHOW SPONSORS: New Sponsor! Bitcoin Mentor: https://bitcoinmentor.io/aff/liberty Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/dispatch; BarterPay: https://barterpay.ca/; Barter It: https://www.barterit.ca/; Get freedom from Censorious CRMS by signing up for SalesNexus: https://www.salesnexus.com/; SUBSCRIBE TO OUR SHOWS/CHANNELS: LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; CONTACT US: libertydispatch@pm.me STAY UP-TO-DATE ON ALL THINGS LD: Instagram: https://www.instagram.com/liberty_dispatch/; Facebook: https://www.facebook.com/LibertyDispatchCanada; X: @LDCanada - https://x.com/_LDCanada; Rumble: https://rumble.com/LDshow; YouTube: https://www.youtube.com/@libertydispatch Please LIKE, SUBSCRIBE, RATE, & REVIEW, and SHARE it with others!

Liberty Dispatch ~ August 01, 2025In this episode of Liberty Dispatch, hosts Andrew DeBartolo and Matthew Hallick discuss what Klaus Schwab's ouster, Feucht's cancellation, and the recent AD campaigns from American Eagle and Nike featuring Sydney Sweeney and Scottie Scheffler, respectively, mean for our culture. Things be wildin'! For full access to all our content, become a paid subscriber at: https://ldcanada.substack.com; Introduction (00:00-04:03)Segment 1 - Sean Feucht's Concert CANCELLATIONS is More Anti-Christian Law-fare (04:03-18:59):"Montreal church fined over Sean Feucht services" | National Post: https://nationalpost.com/news/canada/montreal-church-sean-feucht-fined; Segment 2 - The Downfall of the WEF's Dr. Evil, Klaus Schwab (21:15-40:58):"World Economic Forum’s Klaus Schwab faces growing scrutiny, investigations intensify" | The Telegraph: https://www.telegraph.co.uk/world-news/2025/07/26/world-economic-forum-klaus-schwab-investigation; Segment 3 - The EU’s Targeted ATTACK on so-called “Religious Extremism” (43:05-01:05:00):Scottie Scheffler: Links golf 'fits my strengths' (FULL PRESSER) | Live From The Open | Golf Channel | YouTube: https://www.youtube.com/embed/hUOrPqv0eU0;"Golf Digest X‑post shows viral photo from tournament coverage" | X – Golf Digest: https://x.com/GolfDigest/status/1946994333434998862/photo/1;"Sydney Sweeney’s American Eagle ad receives backlash over 'jeans and genes' tagline, accused of racist and Nazi connotations" | Daily Mail: https://www.dailymail.co.uk/tvshowbiz/article-14957087/american-eagle-sydney-sweeney-jeans-genes-ad-backlash-racist-nazi.html.Conclusion (01:05:00-01:15:27) SHOW SPONSORS:New Sponsor! Bitcoin Mentor: https://bitcoinmentor.io/aff/liberty Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/dispatch; BarterPay: https://barterpay.ca/; Barter It: https://www.barterit.ca/; Get freedom from Censorious CRMS by signing up for SalesNexus: https://www.salesnexus.com/; SUBSCRIBE TO OUR SHOWS/CHANNELS:LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; CONTACT US: libertydispatch@pm.me STAY UP-TO-DATE ON ALL THINGS LD:Instagram: https://www.instagram.com/liberty_dispatch/; Facebook: https://www.facebook.com/LibertyDispatchCanada; X: @LDCanada - https://x.com/_LDCanada; Rumble: https://rumble.com/LDshow; YouTube: https://www.youtube.com/@libertydispatch Please LIKE, SUBSCRIBE, RATE, & REVIEW, and SHARE it with others!

In this special two-part episode of the Pop-Up Podcast, we're live from the NDSC Conference in Dallas 2025 with two unforgettable guests who are showing the world what's possible.  First up: Matthew Schwab: speaker, actor, advocate, and best friend of the podcast! He is back with huge updates. From moving into a new home with his fiancée Lucia to premiering his first feature film Horse Girls at the Tribeca Film Festival, Matthew is living his best life and bringing us along for the ride.  In Matthew's segment, you'll hear:  How engaged life is treating him  What it's like cohabiting with his fiancée after 13 years of dating  Why his mom Michelle is to thank for jumpstarting his acting journey  The heart behind Horse Girls, a film about inclusion, grief, and… competitive hobby-horsing  What's next in his advocacy business  Then: fan-favorite Kayla Kosmalski takes the mic! As the first person with Down syndrome to narrate a feature film about her own life, Kayla is rewriting the script on representation.  In Kayla's segment, you'll hear:  What it means to redefine what's possible  Why The Able Movie is such a groundbreaking project  Her experience as Miss Teen USA Delaware  What her college life looks like for a communication major and cheerleader  Her advice for anyone chasing big dreams  Together, Matthew and Kayla remind us that passion, purpose, and persistence make anything possible. From the ballroom to the big screen, from dorm rooms to leadership stages, these two are not just making moves, they're making history.  Watch the video version of this episode https://www.youtube.com/@alittlesomethingextra 

Send us a textThis month we read and review Bury Our Bones in the Midnight Soil by V.E. Schwab. Like all of our reviews, the first part is spoiler free.Here's a little about Bury Our Bones in the Midnight Soil:This is a story about hunger.1532. Santo Domingo de la Calzada.A young girl grows up wild and wily—her beauty is only outmatched by her dreams of escape. But María knows she can only ever be a prize, or a pawn, in the games played by men. When an alluring stranger offers an alternate path, María makes a desperate choice. She vows to have no regrets.This is a story about love.1827. London.A young woman lives an idyllic but cloistered life on her family's estate, until a moment of forbidden intimacy sees her shipped off to London. Charlotte's tender heart and seemingly impossible wishes are swept away by an invitation from a beautiful widow—but the price of freedom is higher than she could have imagined.This is a story about rage.2019. Boston.College was supposed to be her chance to be someone new. That's why Alice moved halfway across the world, leaving her old life behind. But after an out-of-character one-night stand leaves her questioning her past, her present, and her future, Alice throws herself into the hunt for answers . . . and revenge.This is a story about life—how it ends, and how it starts.Do you have a book you'd like us to review on this show? Send us an email at badassliteraturesociety@gmail.comIf you don't already, follow us on Instagram and FacebookArt by Justin Miller DesignCheck us out here!

Join the conversation as we delve into the world of Science Fiction and Fantasy writing, where Millennials are making their mark! From epic fantasy quests to dystopian futures, this new generation of writers is bringing fresh perspectives and ideas to the table. In this episode, we'll explore how Millennials are attempting a take-over of SFF writing, what's driving this trend, and what it means for the future of the genre. Whether you're a fan of authors like Tamsyn Muir, V.E. Schwab, or Becky Chambers, or you're just curious about the next big thing in SFF, this episode is for you!#FantasyForTheAges #Fantasy #SFF #FantasyFiction #SciFi #ScienceFiction #BestFantasy #BestSciFi #BookRecommendations #TBR #ReadingRecommendations #booktube #booktuberWays to connect with us:Support us on Patreon: https://www.patreon.com/FantasyForTheAges Follow Jim/Father on Goodreads: https://www.goodreads.com/user/show/13848336-jim-scriven Join us on Discord: https://discord.gg/jMWyVJ6qKk Follow us on "X": @Fantasy4theAges Follow us on Blue Sky: @fantasy4theages.bsky.socialFollow us on Instagram: fantasy_for_the_ages Follow us on Mastodon: @FantasyForTheAges@nerdculture.de Email us: FantasyForTheAges@gmail.com Check out our merch: https://www.newcreationsbyjen.com/collections/fantasyfortheagesJim's Microphone: Blue Yeti https://tinyurl.com/3shpvhb4 ————————————————————————————Music and video elements licensed under Envato Elements:https://elements.envato.com/

V.E. Schwab is back with another tale that crosses centuries and explores love and desire. This time, it also explores female rage. Toxic lesbian vampires? Yes! But also, over 500 pages. Is the prose enticing enough to keep our attention for hundreds of years? Video: https://youtu.be/S5ihvxjcqDQ

Schwab, Sylvia www.deutschlandfunkkultur.de, Lesart

Schwab, Sylvia www.deutschlandfunkkultur.de, Lesart

Encore! Encore! - This summer we're revisiting some of our favorite episodes. Contining with some more rootin tootin escapades in the Wild West, lets take another look at two films rich some of the most ledgendary filmmaker's and talent to grace the genre, Stagecoach (1939) and Ragtime (1981)! A classic, beloved Western from 1939 - the watershed greatest year of cinema almost didn't happen. At the time, everyone thought the Western was dead, except John Ford – he was right, they were wrong.  The other film featured one of the greatest acting legends of Hollywood in his last and rivetting film role in 1981 as a tyrannical turn of the century police commissioner  – this actor starred in his first hit role in films in 1939 in a classic gangster drama – any ideas?! …while not a commissioner my  producer extraordinaire and wingman,  actor and cinephile, John, Schwab polices this show with j'nai sais quoi so... Let's go to the movies! To find out more about this and past episodes' movies, including trivia and other fun facts, visit the official Cinema Sounds & Secrets website. 

The 5 things you need to know before the stock market opens today: OpenAI reportedly plans to release GPT-5 next month, Elon Musk's Starlink suffered one of its biggest-ever global outages, Schwab has announced a stock buyback, health insurer Centene stock is plunging after its second quarter report, and the Astronomer HR executive caught on the Coldplay concert kiss cam has left the company, days after the CEO's departure. Squawk Box is hosted by Joe Kernen, Becky Quick and Andrew Ross Sorkin.  Follow Squawk Pod for the best moments, interviews and analysis from our TV show in an audio-first format. 

On this week's episode, Kathy Jones and Liz Ann Sonders discuss equity earnings season, continuing tariff uncertainty, and the fate of embattled Fed Chair Jerome Powell—emphasizing the importance of an independent Fed to both the stock and bond markets.Then, Kathy Jones and Collin Martin dive into the dynamics of the leveraged loan market, highlighting the recent surge in issuance despite anticipated interest rate hikes. They explore the unique characteristics of leveraged loans, including their floating coupon rates and sub-investment grade issuers, touching on the factors driving demand and the potential risks for investors. Additionally, they discuss Treasury Inflation-Protected Securities (TIPS), noting their appeal for investors looking for diversification and a hedge against inflation.Finally, Kathy and Liz Ann discuss the data and economic indicators they will be watching in the coming week.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 DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Diversification does not ensure a profit and does not protect against losses in declining markets.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.This information is not a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information.Schwab does not recommend the use of technical analysis as a sole means of investment research.Currency trading is speculative, volatile and not suitable for all investors.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.Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the U.S. Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate, as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the U.S. Government and may be adjusted for inflation to become the greater of the original face amount at issuance or that face amount plus an adjustment for inflation. Treasury Inflation-Protected Securities are guaranteed by the U.S. Government, but inflation-protected bond funds do not provide such a guarantee.(0725-NVEU)

NLW breaks down the newly signed Genius Act—the first major piece of U.S. crypto legislation. He unpacks what the law actually contains, from reserve requirements and audit rules to the “Libra clause” banning Big Tech stablecoins. With Circle and Tether taking center stage at the White House, what does this mean for the future of stablecoins, tokenization, and U.S. financial dominance? Plus, thoughts on DeFi tailwinds, CBDC fears, Schwab's crypto plans, and the latest crypto IPO filings. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

Schwab's Omar Aguilar shares his latest market outlook. Madrona's Matt McIlwain discusses whether the IPO window is opening—and why crypto companies are jumping into the public arena. Courtney Garcia of Payne Capital Management joins for a market check, and Truist's Patrick Scholes explains his downgrade of Royal Caribbean. Finally, T. Rowe Price's Tony Wang looks ahead to a crucial stretch for tech earnings.

Bitcoin Universe: Daily Update | July 21, 2025The top 3 Bitcoin updates you need to know — every weekday, in under 3 minutes — to make your next move with confidence.1. Bullish Pennant Points to Breakout2. Schwab to Offer Bitcoin & Ether Trading3. Miners Dump 16K BTC as Whales Take Profits

Urlaubszeit ist Lesezeit! Doch was lohnt die Lektüre? Eine Literaturagentin und ein Buchhändler geben Tipps: Es gibt einige spannende Bücher der zeitgenössischen Literatur und auch ein paar klassische Schätze neu zu entdecken. Ruge, Elisabeth; Schwab, Holger www.deutschlandfunkkultur.de, Im Gespräch

In this week's show, Communications Committee Chair Matt McCants walks the membership through the upcoming opportunity to transfer your Profit Sharing Account at Empower to the Southwest Airlines Pilots Retirement Savings Plan at Schwab. He also teases the upcoming 401(k) production coming in early August – from how your retirement dollars flow to frequently asked questions that the committee receives, be on the lookout for this evergreen resource in the coming weeks. He also talks about the multiple projects that the SAC is handling, including the feedback and guidance we give to the Company with line and pairing quality. The Contract Q&A this week covers LCO on reserve, picking up flying over non-fly bars, and travel before CQ training. There's also a great question about rest between duty period legality. You'll want to hear the details on this one- you might have more room to move your schedule around.  If you have any feedback for us at all, please drop us a line at comm@swapa.org or tap here to send us a text.Follow us online:Twitter - https://twitter.com/swapapilotsFacebook - https://www.facebook.com/swapa737

In this week's episode, Kathy and Liz Ann discuss the June inflation data, its implications for the market, and the Federal Reserve's policy decisions. They explore the impact of tariffs on inflation, the rise in global yields, and the dynamics of the dollar. The discussion also touches on complacency, the influence of AI on the economy and the challenges facing stagnation in the housing market. 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 DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here 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 decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.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.Currency trading is speculative, volatile and not suitable for all investors.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by 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.(0725-KMRT)

Angie Schwabhttps://www.linkedin.com/in/angie-schwab/Free Insights Tool: https://insights.succession.bio/Newseletter: https://blog.succession.bioAbout SuccessionSuccession helps founders and sales teams close more deals with biotech and pharma. We partner with our clients to run modern lead generation campaigns, up-skill their team through personalized sales training, and build AI workflows using cutting-edge tools and technology.Ready to take your go-to-market to the next level?www.succession.bioAsk us anything: https://forms.gle/6cJJo7imyekPcwdEA

Die Berichtssaison verläuft anhaltend erfreulich, mit den Aktien von 3M, American Express, Truist, Schlumberger, Schwab und Interactive Brokers nach den Ergebnissen auf der Gewinnerseite. Wir sehen bei Netflix Gewinnmitnahmen, obwohl die Ergebnisse und Ertragsaussichten angehoben werden. Nicht überraschend, in Anbetracht des 40% Kursanstiegs seit Jahresauftakt. Die Kursziele an der Wall Street werden heute jedoch weiter angehoben. Aktien aus dem Bereich der Eisenbahnbetreiber werden heute aktiv gehandelt. Es wird spekuliert, dass Union Pacific versuchen könnte Norfolk Southern zu schlucken. Laut Barron's könnte nun Berkshire Hathway wiederum versuchen CSX zu übernehmen. Um 16 Uhr MEZ werden sich die Blicke der Wall Street auf das Juli-Verbrauchervertrauen der Universität von Michigan richten. Viele gehen davon aus, dass die Schätzungen geschlagen werden. Nächste Woche werden vor allem die Ergebnisse im Fokus stehen. Es melden unter anderem Chipotle, Google, IBM, ServiceNow und Tesla die Quartalszahlen. Abonniere den Podcast, um keine Folge zu verpassen! ____ Folge uns, um auf dem Laufenden zu bleiben: • X: http://fal.cn/SQtwitter • LinkedIn: http://fal.cn/SQlinkedin • Instagram: http://fal.cn/SQInstagram

Werbung | Für alle Hörerinnen und Hörer, die auch im Sommer bestens informiert bleiben wollen, gibt es jetzt ein ganz besonderes Handelsblatt-Angebot: Sechs Wochen voller Zugriff auf alle digitalen Inhalte – für nur 1 Euro. Jetzt reinklicken unter www.handelsblatt.com/sommer Die Berichtssaison verläuft anhaltend erfreulich, mit den Aktien von 3M, American Express, Truist, Schlumberger, Schwab und Interactive Brokers nach den Ergebnissen auf der Gewinnerseite. Wir sehen bei Netflix Gewinnmitnahmen, obwohl die Ergebnisse und Ertragsaussichten angehoben werden. Nicht überraschend, in Anbetracht des 40% Kursanstiegs seit Jahresauftakt. Die Kursziele an der Wall Street werden heute jedoch weiter angehoben. Aktien aus dem Bereich der Eisenbahnbetreiber werden heute aktiv gehandelt. Es wird spekuliert, dass Union Pacific versuchen könnte Norfolk Southern zu schlucken. Laut Barron's könnte nun Berkshire Hathway wiederum versuchen CSX zu übernehmen. Um 16 Uhr MEZ werden sich die Blicke der Wall Street auf das Juli-Verbrauchervertrauen der Universität von Michigan richten. Viele gehen davon aus, dass die Schätzungen geschlagen werden. Nächste Woche werden vor allem die Ergebnisse im Fokus stehen. Es melden unter anderem Chipotle, Google, IBM, ServiceNow und Tesla die Quartalszahlen. Ein Podcast - featured by Handelsblatt. +++Erhalte einen exklusiven 15% Rabatt auf Saily eSIM Datentarife! Lade die Saily-App herunter und benutze den Code wallstreet beim Bezahlen: https://saily.com/wallstreet +++ +++EXKLUSIVER NordVPN Deal ➼ https://nordvpn.com/Wallstreet Jetzt risikofrei testen mit einer 30-Tage-Geld-zurück-Garantie!+++ +++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wallstreet_podcast +++ Der Podcast wird vermarktet durch die Ad Alliance. Die allgemeinen Datenschutzrichtlinien der Ad Alliance finden Sie unter https://datenschutz.ad-alliance.de/podcast.html Die Ad Alliance verarbeitet im Zusammenhang mit dem Angebot die Podcasts-Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, klicken Sie hier: https://datenschutz.ad-alliance.de/podcast.html

Did you loveThe Invisible Life of Addie LaRue as much as we did? In this episode of The First Fifty Pages, Kelsey and Jenn chat with author Victoria “V.E.” Schwab about her bestselling novel, opening doors for readers, and what it's like to hang out with Neil Gaiman.

They weren't employees. They were partners. Les Schwab didn't build a company. He built a culture. This episode reveals how one small-town tire dealer scaled to $3 billion by turning customers into evangelists and employees into owners. Somewhere between changing his first flat tire and opening his 410th Les Schwab Tire Center, Les discovered something profound: his people weren't just working for him, they were working with him. They weren't building his dream, they were building their own. This episode is a case study on how strategy, incentives, and trust create massive advantages that resources can't buy. When investment bankers offered Schwab billions to sell his empire, he refused after asking himself just one question: “What would I do with the money?” Les Schwab understood something most never learn: the real wealth isn't in what you keep.  Approximate timestamps: Subject to variation due to dynamically inserted ads:  (01:49) Roots   (11:21) In Business  (27:50) Building an Empire  (40:18) Maturation and Legacy  (48:21) Reflections from Les Schwab  (51:22) Lessons from Les Schwab   This episode is for informational purposes only and is based on Pride in Performance: Keep It Going by Les Schwab Check out highlights from this book in our repository, and find key lessons from Schwab here: https://www.fs.blog/knowledge-project-podcast/outliers-les-schwab Upgrade—If you want to hear my thoughts and reflections at the end of all episodes, join our membership: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/membership⁠⁠⁠⁠⁠⁠⁠⁠ and get your own private feed. Newsletter—The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠ Follow Shane on X at: ⁠⁠⁠x.com/ShaneAParrish Learn more about your ad choices. Visit megaphone.fm/adchoices

Katie Phang, independent journalist and trial lawyer, joins Leah to run through the week's legal news–and there's a lot of it! They unpack, as KBJ puts it, “this Court's demonstrated enthusiasm for greenlighting this President's legally dubious actions in an emergency posture” and break down the latest thirstiness from the judges angling to be Trump's next SCOTUS pick. Then, all three hosts are joined by Strict Scrutiny's official roadie, Chris Hayes, to talk about his book, The Sirens' Call: How Attention Became the World's Most Endangered Resource. Hosts' and Guests' Favorite Things:Chris: What we won on Election Day, Zohran MamdaniKate: Mamdani, Trump and the End of the Old Politics, Ezra Klein & Chris Hayes (NYT); Moral Ambition: Stop Wasting Your Talent and Start Making a Difference, Rutger BregmanMelissa: Dirty Dancing; Ruin Their Crops on the Ground: The Politics of Food in the United States, from the Trail of Tears to School Lunch & Skimmed: Breastfeeding, Race, and Injustice, Andrea FreemanLeah: Bury Our Bones in the Midnight Soil, V.E. Schwab; Bone Valley: A True Story of Injustice and Redemption in the Heart of Florida, Gilbert King; Beyonce's Cowboy Carter tourKatie: A Lawsuit against Alligator Alcatraz! (Katie's Substack) Get tickets for STRICT SCRUTINY LIVE – The Bad Decisions Tour 2025! 10/4 – ChicagoLearn more: http://crooked.com/eventsOrder your copy of Leah's book, Lawless: How the Supreme Court Runs on Conservative Grievance, Fringe Theories, and Bad VibesFollow us on Instagram, Threads, and Bluesky

In this month's Smart Planning segment, a financial advisor discusses how to transfer retirement funds penalty-free and how to adopt a “work optional” mindset.  How can you check in on your financial progress halfway through the year? What steps do you need to follow to move your Roth IRA from a robo-advisor to a self-directed platform without paying taxes? Before welcoming listener Dan to the show to answer his financial questions, hosts Sean Pyles and Elizabeth Ayoola break down how you can do a mid-year money check-in, including how to audit your budget, spot and cancel unused subscriptions, increase retirement contributions, and curb emotional spending to stay on track for year-end goals. They offer a detailed checklist to assess credit, spending habits, and financial planning priorities for the remainder of the year. Then, Elizabeth welcomes Taylor Schulte, a CFP® and CEO of Define Financial, to dive into Dan's questions, starting with how to reallocate investments when transferring a Roth IRA between platforms. They discuss avoiding taxes using the 60-day rollover rule, how to minimize market exposure during the transition, and why custodians like Fidelity or Schwab may be better suited than Robinhood in certain situations. They also help Dan evaluate whether he's saving enough for a “work-optional” retirement, offer guidance on budgeting for life now vs. later, and explain what to consider when deciding on insurance coverage like disability or term life. Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  A rollover IRA can be a great option for money in old retirement accounts. To avoid a tax hit, know the steps involved: https://www.nerdwallet.com/article/investing/how-to-rollover-401k-roth-traditional-ira  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: midyear financial check-in, how to track your spending, canceling unused subscriptions, Roth IRA transfer steps, rollover IRA rules, robo advisor vs self-directed investing, avoiding taxes on Roth IRA rollover, rebalancing Roth IRA, saving for retirement in your 20s, financial goals 2025, budgeting after emotional spending, how to increase 529 contributions, setting beneficiaries, updating estate plan, disability insurance basics, work-optional retirement, how much to save for retirement, starting a financial planning firm, emergency fund tips, automating savings, avoiding subscription traps, midyear credit check, reallocating investments, understanding investment fees, budgeting as a single person, how to set financial boundaries, pay yourself first strategy, how to start budgeting weekly, tracking financial progress, saving vs spending balance, transferring mutual funds, how to do a 60-day rollover, and Roth IRA transfer tax implications. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this week's episode, Kathy Jones and Liz Ann Sonders discuss the bond market reaction to the new August 1 tariff deadlines—and what that means for potential Fed policy. They also examine the impact of servicing the national debt after the passage of the "One Big Beautiful Bill." Liz Ann looks at the upcoming earnings season, while also addressing concerns about economic indicators, inflation, and the housing market. The overall discussion this week emphasizes the cautious sentiment among bond investors and the complexities of the economic landscape.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 DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here 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 decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Currency trading is speculative, volatile and not suitable for all investors.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by 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.(0725-GHV6)

Matthew Schwab is a 27-year-old North Carolina native with Down syndrome who has his own public speaking business, Matthew Schwab Speaks. In 2019, he gave a TEDx talk about the importance of employing people with intellectual and developmental disabilities. Matthew hopes to help change how the world sees Down syndrome. Matthew is also an actor whose first movie “Horsegirls” premiered at the Tribeca Film Festival in June 2025. He loves working as a restaurant host, doing things with family and friends and spending time with his fiancée.  During this episode, you will hear Matthew talk about: What his childhood was like growing up with Down syndrome Why he started his own public speaking business, and the types of topics he likes to discuss What he likes to do at work and with his friends, family, and fiancée How he got into the world of theater and acting Challenging some common stereotypes about people with Down syndrome   Learn more about Matthew and his work at the following links: Official Website - MatthewSchwabSpeaks.com YouTube - Matthew Schwab Listens Podcast Playlist Facebook - Matthew Schwab Speaks Instagram - @matthewschwabspeaks Watch the video of this interview on YouTube. Read the episode transcript. Follow the Beyond 6 Seconds podcast in your favorite podcast player. Subscribe to the FREE Beyond 6 Seconds newsletter for early access to new episodes. Support or sponsor this podcast at BuyMeACoffee.com/Beyond6Seconds! *Disclaimer: The views, guidance, opinions, and thoughts expressed in Beyond 6 Seconds episodes are solely mine and/or those of my guests, and do not necessarily represent those of my employer or other organizations. These episodes are for informational purposes only and do not substitute for professional medical advice. Consult a medical professional or healthcare provider if you are seeking medical advice, diagnoses, or treatment.*

Summer is here… and for lots of locals, that means digging into their reading list. Whether it’s time on the plane or relaxing on a staycation, the warmer months can be a good time to explore some new books. We take a trip to Elliott Bay Books on Capitol Hill to check out what’s new and exciting on the shelves. Elliott Bay Books Book List: Jess Walter, So Far Gone Peter Benchley, Jaws Hampton Sides, The Wide Wide Sea Ezra Klein and Derek Thompson, Abundance Timothy Snyder, On Tyranny The Constitution Om El Akkad, One Day, Everyone Will Have Always Been Against This G.T. Karber, Murdle Mystery Puzzles Kaveh Akbar, Martyr! Holly Wilson, Kittentits Daniel Mason, Northwoods Catherine Newman, Sandwich Yangsze Choo, The Fox Wife Carys Davies, Clear Robert Jackson Bennett, The Tainted Cup Miranda July, All Fours Margaret Killjoy, The Sapling Cage V.E. Schwab, Bury Our Bones in the Midnight Soil V.E. Schwab, Invisible Life of Addie LaRue Naomi Novik, Uprooted Allison Saft, A Dark and Drowning Tide Heather Fawcett, Emily Wilde's Encyclopaedia of Faeries Travis Baldree, Legends and Lattes Ali Hazelwood, Bride Kimberly Lemming, That Time I Got Drunk and Saved a Demon We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online. See omnystudio.com/listener for privacy information.

What will drive the market for the remainder of the year? We discuss with Trivarite's Adam Parker, Schwab's Kevin Gordon and Robinhood's Stephanie Guild. Plus, we break down the latest in the ongoing drama between President Trump and Elon Musk – and what it could mean for Tesla's stock. And, Abby Yoder from JP Morgan Private Bank breaks out her playbook for the second half. 

On this week's episode, Kathy Jones and Liz Ann Sonders discuss the current state of the markets amid geopolitical tensions in the Middle East and the implications for oil prices and overall investor sentiment.  Then, Kathy Jones sits down with Mike Townsend, Schwab's managing director of legislative and regulatory affairs, to discuss the evolving geopolitical landscape, particularly the U.S. involvement in the Middle East and its implications for foreign policy. They explore market reactions to recent conflicts, the current state of tariffs and trade negotiations, and the impact of immigration policies on labor markets. Additionally, they highlight key policy issues for investors to watch in the second half of the year, including the potential for deregulation and the future of cryptocurrency regulation.You can follow Mike Townsend on LinkedIn or X.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 DisclosuresInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here 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 decision.All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.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.Currency trading is speculative, volatile and not suitable for all investors.Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures productsAll  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.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 intendedShort selling is an advanced trading strategy involving potentially unlimited risks, and must be done in a margin account. [There is no guarantee the brokerage firm can continue to maintain a short position for any period of time. Your position may be closed out by the firm without regard to your profit or loss.](0625-B9S2)