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iShares 10-20 Year Treasury Bond ETF: Thinking Long Term (NYSEARCA:TLH)
Daniel Martins is the founder of independent research firm DM Martins Research. The firm’s work is centered around building more efficient, easily replicable portfolios that are properly risk-balanced for growth with less downside risk. His work has been featured on Seeking Alpha and other platforms through 2,000+ articles, and it has been cited by the New York Times, CNN, Reuters, USA Today, and others.- – -Daniel is the founder and portfolio manager at DM Martins Capital Management LLC, a macro strategy hedge fund (leveraged risk-parity approach that uses return stacking to achieve aggressive long-term capital appreciation). He is a former equity research professional at FBR Capital Markets and Telsey Advisory in New York City and finance analyst at macro hedge fund Bridgewater Associates, where he developed most of his investment management skills earlier in his career. Daniel is also an equity research and global equities market instructor for Wall Street Prep, where he has developed content and trained hundreds of senior and junior analysts at some of the largest bulge bracket investment banks and sovereign investment funds in the world.He holds an MBA in Financial Instruments and Markets from New York University’s Stern School of Business.- – -On Seeking Alpha, DM Martins Research has partnered with EPB Macro Research and collaborated with Risk Research, Inc.
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Business
How to build an effective employee phishing training program in 2026
You may not be able to stop every phishing email from reaching employee inboxes, but the right training program can dramatically improve your odds.
Phishing remains the primary entry point in cyber breaches, accounting for around 15% of incidents, according to one recent study. AI is one of the main drivers for this continued growth, allowing cybercriminals to write more realistic and personalized messages and distribute them en masse.
Technical measures like spam filters and DMARC email authentication protocols block many malicious messages, but phishing is ultimately a human issue. Security-conscious organizations are increasingly investing in employee phishing training, making it a key driver of stronger security culture and safer behaviour.
So what does it take to build an effective employee phishing training program in 2026?
Focus on behaviour change, not awareness
The ultimate goal of phishing training should not just be to raise awareness. The goal is to actually reduce security risk. Most people understand what phishing is, but that knowledge doesn’t necessarily translate into the right decisions when a convincing email hits their inboxes.
While helpful, completion rates or quiz scores should not be the main benchmark for how effective a phishing training program is. The focus must shift toward increasing reporting rates.
To improve outcomes, the type of training matters most. Presentation-style sessions are okay for building awareness, but building better habits requires employees to go through actual phishing simulations and realistic scenarios that mirror the attacks they may encounter in their daily work.
Conduct training continuously
The frequency of training is also a key factor. Phishing threats evolve constantly, so a training program that runs once a year will quickly become outdated. Organizations should instead adopt a continuous approach to phishing education.
Short, regular training modules and periodic phishing simulations help reinforce secure behaviour over time while keeping employees familiar with the latest phishing techniques. Such ongoing exposure helps build instinctive responses, such as pausing before clicking a link or verifying unusual requests.
Continuous training also allows organizations to gradually increase the realism and difficulty of phishing simulations. As employees improve, training can introduce more sophisticated scenarios that better reflect modern attacks.
Role-based and contextual training
Not all employees face the same phishing risks. While generic phishing campaigns do exist and are quite common, most successful attacks are personalized and tailored to the target’s role, responsibilities, or access within the organization.
Finance teams, for example, may encounter invoice scams, while HR may receive phishing emails disguised as job applications or employee document requests. Executives and senior leaders are frequent targets of spear-phishing and business email compromise (BEC) attacks that impersonate trusted partners or internal staff.
Modern training platforms are increasingly using AI to generate realistic phishing scenarios at scale. Organizations can create a variety of training emails that closely mimic real-world attacks, specific to different roles, departments, and risk profiles.
Strong reporting culture
In the majority of workplaces, reporting phishing attempts is often not something employees think about. Even if they detect a phish and rightfully disengage, they often just delete the email and move on without alerting the security team.
To fix that, reporting should be made as easy as possible, ideally through one-click reporting buttons integrated directly into the email client. A strong reporting culture also hinges on the way organizations respond when there are incidents. If employees fear being blamed or disciplined for clicking a malicious link, they may hesitate to report incidents, which can delay detection and response.
A good approach is to treat mistakes as learning opportunities, and for security teams to use those incidents to refine and adjust training materials by focusing on employee weak points.
Track effectiveness over time
It’s difficult to determine whether a phishing training program is working without metrics. Organizations should track key indicators such as phishing reporting rates, reporting speed, and click rates during phishing simulations.
These metrics provide valuable insight into how employees are responding to potential threats. If these metrics are getting better with time, it’s a good sign that the training program is heading in the right direction.
Tracking performance over time also helps identify repeat offenders or employees who may require additional guidance. The same can be applied to entire departments. Some departments may have significantly higher click rates during simulations, which is a solid indicator that improvements to the training material for that specific group are necessary.
Conclusion
Phishing will likely remain one of the main threats organizations have to deal with throughout 2026 and beyond. The human factor is the ultimate target for attackers, and it’s a critical defence organizations have to strengthen.
By building a phishing training program that focuses on realism and improving employee behaviour, organizations can turn the human factor into their strongest asset contributing to a resilient security culture.
Business
The 'Monetary Truman Show' Is Over: The Fed Is No Longer In Control
The 'Monetary Truman Show' Is Over: The Fed Is No Longer In Control
Business
Form S-1 Green Dot Corp For: 20 March

Form S-1 Green Dot Corp For: 20 March
Business
Price, availability… Does a new gas crisis await Europe?
Iranian attacks on Qatar’s Ras Laffan LNG hub have caused natural gas prices to surge, though Europe’s impact is expected to be less severe due to reduced reliance on Qatari LNG. While wholesale prices have jumped, they remain significantly lower than during the Ukraine conflict, with storage levels below average for the upcoming winter.
Business
Hyundai recalls Palisade SUVs over power seat defect
Check out what’s clicking on FoxBusiness.com.
Hyundai Motor Company is recalling more than 61,000 Palisade SUVs in the U.S. after an issue with powered seats was linked to the death of a child, federal regulators said.
The recall affects model year 2026 Palisade and Palisade Hybrid vehicles equipped with the Limited and Calligraphy trim packages, the automaker said in a recall report filed with the National Highway Traffic Safety Administration.
“The 2nd and 3rd row power seat assemblies equipped in the subject vehicles may not respond to contact with an occupant or object as intended during activation of certain powered seat functions, including the automatic power-folding (stow) function and the ‘one-touch’ tilt-and-slide (walk-in) feature of the 2nd row power seat assembly,” the report said.
HYUNDAI STOPS SALES OF CERTAIN SUVS AFTER 2-YEAR-OLD GIRL’S DEATH

The 2026 Hyundai Palisade SUV during the New York International Auto Show Press Preview in New York City April 16, 2025. (Shannon Stapleton/Reuters)
The announcement comes after a young child died in an incident involving a Palisade that is still under investigation, according to the automaker.
Reuters reported the victim was a 2-year-old girl from Ohio who was killed March 7.
“Hyundai is aware of a tragic incident involving a Palisade,” the company said in a press release March 13. “While Hyundai does not yet have the full details and the incident is still under investigation, a young child lost her life. Hyundai extends its deepest sympathies to her family.”
TOYOTA RECALLS 550,000 VEHICLES OVER SEAT DEFECT

A view from the interior of a Hyundai Palisade showing the gray leather upholstery of the second-row power-folding seats. (Hyundai USA)
The South Korean automaker said last week it is pausing sales of the Palisades with the Limited and Calligraphy trim packages following the incident.
Hyundai said in the recall notice it received four reports of minor injuries related to second-row seat operation.

Hyundai issued a stop-sale and plans for a recall for 2026 Palisade Limited and Calligraphy models March 13, 2026. (Hyundai USA)
FORD RECALLS MORE THAN 83,000 VEHICLES OVER HEADLIGHT, ENGINE VALVE ISSUES
A recall remedy is under development. Until it becomes available, the automaker warned owners of the affected vehicles to use caution when operating the second- and third-row power-folding seat functions.
Hyundai also said owners should “avoid contacting the ‘one-touch’ tilt-and-slide button located on the 2nd row setback … during entry and exit of the 3rd row and take measures to prevent inadvertent activation of this feature.”
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FOX Business’ Ashley Carnahan contributed to this report.
Business
Form 8K C1 Fund Inc For: 20 March

Form 8K C1 Fund Inc For: 20 March
Business
Argentina’s economy expands 4.4% in 2025

Argentina’s economy expands 4.4% in 2025
Business
Oil Nears $120 as Key Gulf Energy Hubs Come Under Attack
Oil and gas prices surged Thursday after some of the world’s most critical energy facilities were hit in a fresh wave of attacks in the Middle East, stoking fears of deeper and more prolonged disruptions to global supplies.
In mid-morning European trade, Brent crude climbed 10% to $118.50 a barrel and was up 65% on the month. West Texas Intermediate, the U.S. oil gauge, rose 2.9% to $95.08 a barrel. Natural-gas prices spiked 26%, with the front-month Dutch TTF contract—the European benchmark—trading at 68.70 euros a megawatt-hour after briefly touching 70 euros at the open.
Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Business
Asian Stocks Slide on Iran War Escalation
Asian stocks fell sharply Thursday as investors digested a series of attacks on energy infrastructure in the Middle East and the weakness on Wall Street in the previous session.
South Korea’s KOSPI Composite index declined 2.7% after its 5% jump in the previous session. The red-hot stock market is up 37% so far in 2026 but has been very volatile since the Iran war began.
China’s Shanghai Composite slipped 1.4%, while Japan’s Nikkei index closed 3.4% down, after jumping 2.9% in the previous session.
Business
Suddenly Everyone in San Francisco Is a ‘Builder,’ Whatever That Means
SAN FRANCISCO—During the tech boom of the 2010s, coding teams here spent months building apps that changed the way we live.
Now, that’s just a Saturday night for an 11-year-old.
Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
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