https://preservewm.com
We've been keeping up with the latest headlines...
here are two of our favorites worth sharing.
** Your Money
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Almost every American with a mortgage refinanced in 2020 when rates hit record lows. Similarly, many countries seized the opportunity to issue 30-, 50-, and even 100-year bonds at historically low rates. Savers hated the 0% savings rate, but what a great time to be a borrower!
The U.S. Treasury was not one of those astute borrowers; instead, opting to issue record amounts of short-term debt to minimize immediate borrowing costs. While long-term rates were attractive, short-term rates were even lower—until 2022, when the yield curve inverted, making short-term borrowing more expensive than long-term alternatives. Despite this, the Treasury continued to rely heavily on short-term debt.
Now, with those Treasury bills and notes maturing, they must be refinanced at today’s higher rates. Newly appointed Treasury Secretary Scott Bessent and other officials have criticized this strategy, pushing for increased issuance of longer-term debt. Their shift in approach is unsettling Wall Street, as it could drive up Treasury yields and borrowing costs across the economy.
New Treasury secretary has criticized a borrowing strategy that helped calm markets (https://www.wsj.com/finance/investing/federal-debt-scott-bessent-treasury-investors-864a2131?st=t5aRdH&reflink=desktopwebshare_permalink)
by Sam Goldfarb
** Your Life
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If life ever feels overwhelming, finding moments of peace is possible—even in the midst of chaos. This article from Exploring Therapy shares five expert-backed tips to help you stay grounded, from setting boundaries to practicing mindfulness. If stress has been running the show lately, these simple yet effective strategies can help bring a sense of calm back into your daily routine.
1. Look for stabilizing forces
2. Be mindful about what you consume
3. Rid yourself of the stress chemicals in your body
4. Get help. Share the struggle openly with others
5. Focus on your power and strength
5 Tips from a Psychologist on Finding Peace In Chaos (When It Feels Like The World Is Falling Apart) (https://www.exploringtherapy.com/therapy-blog/5-tips-from-a-psychologist-on-finding-peace-in-chaos)
source: Exploring Therapy
https://www.linkedin.com/in/danheth/
https://www.linkedin.com/in/rosalynn-harvey-heth-mpa-ceps-3a3aa3191/
** Complexity Simplified
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Step #5 in the Your Life section above mentions breathing...but are you breathing correctly? It matters, and here's why. According to the American Lung Association, many people rely on shallow chest breathing, which can contribute to fatigue, stress, and even poor lung health. This article explains the benefits of deep, diaphragmatic breathing and how small adjustments can improve oxygen flow, relaxation, and overall well-being. Time to take a deep breath—literally!
Five Ways You Might Be Breathing Wrong (https://www.lung.org/blog/you-might-be-breathing-wrong)
source: American Lung Association
** Trivia
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last week's Answer: Eels
this week's Question: What famous horse won the Triple Crown in 1973?
https://youtu.be/79fzeNUqQbQ?si=NIhk_C-3kd3Sbidh
** Back in 1989, this song reached #1
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