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A | NEW YORK -- The yield on the 10-year Treasury has reached 5% for the first time since 2007. That matters for everyone, not just Wall Street. Treasury yields have been climbing rapidly, with the 10-year yield rallying from less than 3.50% during the spring and from just 0.50% early in the pandemic. Monday morning, the yield on the 10-year Treasury was at 4.96% after hitting 5.02% earlier. The jump means the U.S. government must pay more to borrow money from investors to cover its spending.It also directly affects people around the world, because the 10-year Treasury yield is the centerpiece of the global financial system and helps set prices for all kinds of other loans and investments. Besides making it more expensive for U.S. homebuyers to buy a house with a mortgage, higher yields also put downward pressure on prices for everything from stocks to cryptocurrencies. Eventually, they could help cause companies to lay off more workers. Higher yields mark a sharp turnaround for a generation of consumers and investors who have known pretty much just low yields, as central banks kept benchmark interest rates pinned at nearly zero. Such low rates let people borrow money more easily, which helped economies to strengthen following the 2008 financial crisis, the European debt crisis and other maladies including, most recently, the COVID-19 pandemic. The low rates led to rising prices for houses, stocks and other investments, but they may also have encouraged too much risk-taking and spurred investment bubbles.Now, central banks are more concerned with getting high inflation under control. To do that, they raise interest rates and hope the higher costs to borrow will starve inflation of its fuel by bringing down spending. The Fed's main interest rate affects extremely short-term loans, those that banks charge overnight. The Fed has already pulled its federal funds rate to the highest level since 2001, and it's debating whether to hike it one more time. Either way, it's signaled plans to keep rates high for a while to successfully suffocate inflation. The 10-year Treasury yield has been catching up to the Fed's main interest rate after a string of reports has shown the U.S. economy remains remarkably resilient. While that calms worries about a possible recession caused by high rates, it could also keep upward pressure on inflation and shorter-term rates. Federal Reserve Chair Jerome Powell said Thursday that many other factors could be contributing to the swift rise in the 10-year Treasury yield. They include the U.S. government's big deficits, which require more federal borrowing, and the Fed's ongoing efforts to reduce its trove of bond investments built earlier to keep yields low. On the wonkier side, bond prices have also been falling in tandem with stock prices more often than they used to. That's unnerving for investors who usually see bonds as the safer part of their portfolios, and it could be pushing them to demand higher yields to own them.The rise in the 10-year Treasury yield most directly means the U.S. government has to pay more to borrow money for 10 years. But because the 10-year yield is the reference point for financial markets, it also quickly filters out into all kinds of loans. Even for companies with the best credit ratings, the interest rates they borrow at are set by adding some extra on top of whatever the U.S. government is paying for its Treasurys. Borrowers with worse credit ratings have to pay more extra than those seen as good bets to repay their debts.More expensive borrowing keep U.S. households from spending as much and companies from expanding as much, which should eventually hit overall U.S. economic activity. More immediately, because a 10-year Treasury is seen as one of the safest possible investments on the planet, its yield swiftly sways prices for all kinds of investments. When a super-safe Treasury is paying much more in interest, investors feel less need to pay high prices for a Big Tech stocks, cryptocurrency or other investment that carries more risk. It's a big reason the S&P 500 has seen its gain for the year so far tumble from 19.5% at the end of July to 10% as of Friday. Higher U.S. yields also attract more investments from abroad, which means investors are increasingly swapping their currencies for U.S. dollars. Since the end of July, the U.S. dollar has climbed roughly 4% against the euro, 5% against the British pound and 6% against the Australian dollar. While a stronger dollar helps U.S. tourists buy more stuff when they're abroad, it can also add financial pressure and heighten inflation for other countries, particularly in the developing world. Even for U.S. bond investors, the swift rise in bond yields has brought losses of their own. When new bonds are paying higher yields, it makes the older, lower-yielding bonds already sitting in investors' portfolios or mutual funds less attractive and knocks down their price.The largest U.S. bond mutual fund has lost roughly 3% so far in 2023 and is on track for a third straight yearly loss. That's never happened since its birth in 1987.。 山脚下的晚风，把周末揉成了奶油色 刚把车停在营地的碎石停车场时，我还在为早上临时取消的加班会议懊恼。导航屏幕上最后几公里的盘山路，连带着山坳里若隐若现的白色帐篷，都像隔着一层雾的旧照片——直到车门被山风撞开，带着松针和青草气息的凉意裹住脸，我才突然想起，这次出发前特意把电脑塞进了后备箱最底层。
B | 这是我攒了三个月的周末出逃计划。朋友阿凯提前一周就把营地订好了，说是藏在城郊山谷里的”懒人营地”，连炭炉和串儿都帮我们备齐了。我本来还抱着”找个地方摸鱼发呆”的心态，没想到刚下车就被治愈了：营地顺着溪流铺成一片，原木色的天幕搭在浅滩边，几只柯基正追着水洼里的落叶跑，远处的山尖还沾着清晨的薄雾，连空气里都飘着淡淡的柠檬香，是营地免费提供的驱蚊喷雾混着烧烤的甜香。 我们的营地位置最好，刚好在溪流转弯的地方，浅滩的水刚没过脚踝，搬几块鹅卵石就能当凳子坐。阿凯和另两个朋友已经把装备搭好了：折叠桌铺着格子餐布，上面摆着切好的西瓜、冰好的气泡水，还有提前腌好的五花肉和鸡翅。我本来想搭把手，却被阿凯按在折叠椅上：“歇着歇着，老板早就把炭烧好了，你负责当’品鉴官’就行。 ” 其实我本来是个有点”规划焦虑”的人，出门总要列三张清单，生怕漏了充电器或者换洗衣物。但这次完全不用操心——营地提前把食材分袋装好，连锡纸和刷子都放在了指定的收纳箱里，老板还特意提醒我们，上游有个浅滩可以捞小鱼，傍晚的山风最舒服，别在太阳最毒的时候出门。我们把随身的背包扔在天幕下，脱了鞋踩进水里，冰凉的溪水冲走了半个月的疲惫，连手机震动的声音都显得格外刺耳，索性把屏幕朝下扣在石头上，彻底断了和工作的联系。 第一次露营烧烤的新手总是状况百出。阿凯把炭炉点着的时候，烟差点把我们呛出眼泪，旁边营地的大叔递来一把扇子，笑着说”年轻人就是急”，还教我们怎么把炭块摆成金字塔形，说这样火最匀。
C | 不一会儿，鸡翅的油滴在炭火上，滋滋地冒着泡，裹着辣椒面的肉香混着山风飘出去，连路过的小朋友都趴在栅栏边喊”好香啊”。 我们把烤好的串儿放在餐盘里，就着冰镇的酸梅汤啃，咬开第一口的时候，五花肉的油脂在嘴里化开，比城里西餐厅的烤肉还要香——大概是因为风里带着松针的味道，连肉都变得清甜起来。 下午的时光慢得像被拉长了的橡皮筋。我们躺在天幕下的充气床上，看云在山尖慢悠悠地飘，阿凯掏出吉他弹起了《晴天》，歌声混着溪流的声音，比任何音响都好听。有个戴眼镜的男生带着画板来写生，说这里的光影比画室里的模特更生动，我们凑过去看的时候，他笔下的山坳已经染上了暖金色，连我们搭帐篷的影子都画得清清楚楚。后来我们还一起捞了半桶小鱼，放在透明的塑料盆里看它们摆尾巴，直到太阳快落山的时候，才把它们送回了更深的溪水里。 天色暗下来的时候，营地的灯串亮了起来，暖黄色的光串在天幕上，像把星星摘下来挂在了帐篷边。老板搬来音响，放起了轻柔的民谣，有人开始围着篝火跳舞，有人在天幕下玩起了狼人杀，我们则把带来的投影仪架在石头上，放起了小时候看过的《天书奇谭》。 溪水里映着灯串的光，晃得像碎掉的银河，我靠在朋友的肩膀上，突然觉得生活其实不用那么紧绷——不用赶早高峰，不用改第十版的方案，不用在微信群里秒回消息，只要在这里，就能把时间掰成一小块一小块，慢慢嚼出甜味。
D | 临睡前我们把篝火堆成了小堆，坐在石头上看星星。城里已经很久没见过这么多星星了，密密麻麻地铺在黑色的天幕上，连银河都看得清清楚楚。
E | 阿凯说，他选这个营地就是因为老板不允许带音响过夜，“这里的声音本来就够好听了”。我点点头，风裹着溪水的声音吹过来，连呼吸都变得轻了，生怕惊飞了天上的星星。 返程的时候，我把电脑原封不动地放回了书房。
F | 后备箱里还留着半袋烤好的玉米和营地老板送的野蜂蜜，车窗开着，山风灌进来，带着刚晒过的青草香。其实这次出游最治愈的不是风景，而是那种”一切都被妥帖安排好”的松弛感——不用提前查攻略，不用纠结带什么东西，不用怕做错什么，只要跟着自己的节奏，就能把普通的周末变成一辈子都记得的傍晚。 后来我把拍的照片发给同事，他们都说”好羡慕”。其实我想说，不是营地有多好，也不是风景有多美，而是我们终于愿意停下来，把生活的遥控器交给自己，让晚风把紧绷的神经吹软，让山水把心里的褶皱熨平。毕竟人生哪有那么多必须赶的路，偶尔停下来，在山脚下吹吹风，吃一串烤得焦香的肉串，才是对周末最起码的尊重。返回，查看更多。
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