New Year was originally on March 1st in the ancient Roman calendar. It was later changed to January 1st when the Julian calendar was introduced by Julius Caesar in 45 BCE. The change was made to align the calendar with the solar year and to honor the Roman god Janus, who was the god of beginnings and transitions. **

The value of bonds in your portfolio may have decreased due to changes in interest rates. When interest rates rise, the value of existing bonds decreases because they are paying lower interest rates than newly issued bonds. This is known as interest rate risk. Even though EU government bonds are considered safe investments, they are still subject to fluctuations in interest rates, which can impact their value. Additionally, other factors such as economic conditions, inflation expectations, and market sentiment can also affect the value of bonds in your portfolio. **

Investing in bonds involves purchasing debt securities issued by governments or corporations, which pay a fixed interest rate over a specified period of time. In contrast, investing in a bank account typically involves depositing money into a savings or checking account, where it earns a variable interest rate set by the bank. Bonds generally offer higher potential returns than bank accounts, but they also carry a higher level of risk. Additionally, bonds have a maturity date, while bank accounts provide more immediate access to funds. **

April 1st is known as April Fools' Day, a day when people play practical jokes and hoaxes on each other. It is a day filled with humor and light-hearted pranks, where people try to trick their friends and family with funny or silly tricks. It is celebrated in many countries around the world, and the origins of the day are not entirely clear, but it is believed to have started in the 16th century in France. **

The value of EU government bonds in your portfolio may have decreased due to a variety of factors such as changes in interest rates, inflation expectations, or market sentiment. Even though EU government bonds are generally considered safe investment havens, they are still subject to market fluctuations and can lose value in certain economic conditions. Additionally, global events, economic uncertainty, or changes in government policies can also impact the value of these securities. It's important to monitor the market and economic conditions to understand the reasons behind the decrease in value of your bond holdings. **

Investing in Ukraine's war bonds can be a way to show support for the country during its conflict with Russia, but it also comes with risks. The situation in Ukraine is volatile and the outcome of the conflict is uncertain, which could affect the value of the bonds. Additionally, there may be concerns about the stability of the Ukrainian economy and the government's ability to repay the bonds. Therefore, investing in Ukraine's war bonds should be carefully considered and individuals should weigh the potential risks and rewards before making a decision. **

"1st floor" typically refers to the ground level of a building, where the main entrance is located. In some countries, the 1st floor may be referred to as the "ground floor." It is the level that is directly above the basement or lower levels, and it is usually where the main lobby, reception area, or retail spaces are located. In many buildings, the 1st floor is where visitors first enter and where they can access elevators or stairs to reach higher levels. **

A 1st grade conference is a meeting between a teacher, parents, and sometimes the student to discuss the child's progress in 1st grade. The conference provides an opportunity to review the student's academic and social development, set goals for the remainder of the school year, and address any concerns or challenges the student may be facing. It also allows for open communication between the teacher and parents to ensure that everyone is working together to support the child's learning and growth. **