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yogibearbull @yogibearbull.bsky.social · 6h

3/3 US GDP: +2% by 31%, higher by 36%, lower by 64%
Inflation: +3% by 63%, higher by 7%, lower by 30%
10-Yr: 3.7% by 28%, higher by 48%, lower by 24%
Gold: 67% bullish
#PersonalFinance #Barrons
ybbpersonalfinance.proboards.com/thread/942/w...

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 6h

2/3 Market is overvalued but it can stay that way for a while – months or years?
US Stocks in 12 mo: 47% bullish, 34% neutral, 19% bearish
US Bear Market in 12 mo: 63% no, 37% yes
Current Allocations: 73% equity, 17% fixed-income, 6% cash, 15% alternatives ...

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yogibearbull @yogibearbull.bsky.social · 6h

WEEKLY BUSINESS DIGEST 2
Barron’s BIG MONEY POLL. Bulls are running on Wall Street. Many foreign markets have rallied more, & weaker dollar boosted returns of foreign funds. AI hype is in full swing – some expect trouble, but others think that AI benefits will spread...

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yogibearbull @yogibearbull.bsky.social · 20h

3/3 Monthly costs will be mortgage payments, possible PMI, insurance, property taxes (to the lender), utility bills. Irregular costs will be for furnishings, renovations & lot of maintenance.
#IndoUSTribune
indoustribune.com/business/fin...

Personal finance insights: Renting vs buying a home explained

Explore key personal finance insights from Dr. K C Gupta — including market trends, investment updates, and the pros and cons of renting vs buying a home.

indoustribune.com

yogibearbull @yogibearbull.bsky.social · 20h

2/3 Homeownership provides more freedom & better quality of life, especially with kids (childcare, play areas, schools). Costs at closing would include down payment, PMI, insurance, fees...

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yogibearbull @yogibearbull.bsky.social · 20h

RENTING vs BUYING HOME
Monthly RENTALS can be seen as sunk money as there are no residual benefits from renting. New HOMEBUYERS can aim for costs roughly comparable to renting, but owning a home isn't all about costs...

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yogibearbull @yogibearbull.bsky.social · 21h

3/3 ...risks than are apparent. Speculative fever is high. Younger investors like the gamification of stock trading via phone apps. Switch to better quality stocks even if it may not feel like a right thing to do.
#PersonalFinance #Barrons
ybbpersonalfinance.proboards.com/thread/941/w...

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 21h

2/3 ...SP500 fwd P/E is 22.2. Be careful that earnings estimates may change too.
Investors’ love for low-quality & meme stocks will end badly. Small-cap R2000/IWM is rallying despite 40% of its companies being unprofitable. Some AI stocks with circular crossholdings may have more...

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yogibearbull @yogibearbull.bsky.social · 21h

WEEKLY BUSINESS DIGEST 1
TRADER. Stock market keeps hitting new highs despite bad news – DC shutdown, oil prices, trade negotiations, geopolitics. Corporate earnings are expected to grow +13% in 2025 & more in 2026. Companies that miss or just meet expectations are punished...

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yogibearbull @yogibearbull.bsky.social · 2d

3/3 CPI 10/24/25 (est +3.1%). Russia-Ukraine peace negotiations initiated by US are now OFF & more sanctions have been imposed on Russia; violators may face secondary sanctions. US trade talks with China & India are stop & go.
#AAII #CNN #Sentiment
ybbpersonalfinance.proboards.com/post/2268

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 2d

2/3 INVESTOR CONCERNS: Budget (DC shutdown, 10/1/25- ), debt, tariffs, inflation, jobs, Fed, dollar, recession, geopolitical, Russia-Ukraine (190+ weeks), Israel-Hamas (67+27 weeks; fragile peace).
For the Survey week (Th-Wed), stocks up, bonds up, oil up, gold down, dollar up...

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yogibearbull @yogibearbull.bsky.social · 2d

SENTIMENT & MARKET INDICATORS, 10/22/25
AAII Bull-Bear Spread -5.8% (below average)
CNN Fear & Greed Index 26 (fear; near extreme fear)
NYSE %Above 50-dMA 47.21% (negative)
SP500 %Above 50-dMA 50.80% (positive, barely)
These are contrarian indicators...

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yogibearbull @yogibearbull.bsky.social · 3d

2/2 ...& the entrusted escrow money in several instances was embezzled. Any bank or company offering "escrow" accounts should be regulated with licensing, capital requirements, bonding, fraud/theft insurance, etc.
ybbpersonalfinance.proboards.com/thread/940/e...

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 3d

ESCROWs are used in many transactions to safeguard money for transacting parties in property & business transactions. For most part, they work fine. But a WSJ article features abuses in the surrogacy escrow industry. Somehow, this industry doesn't fall under any regulations...

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yogibearbull @yogibearbull.bsky.social · 7d

2/2 .. stocks, bonds & alts (including gold & cryptos) are doing well. Don’t overthink 2022 when both stocks & bonds tumbled. Christine BENZ (Morningstar) recommends keeping 10x annual withdrawals in short/intermediate bonds.
#PersonalFinance #Barrons
ybbpersonalfinance.proboards.com/thread/936/w...

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 7d

WEEKLY BUSINESS DIGEST 2
RETIREMENT & WELL BEING. Understand market VOLATILITY & its potential impact on your portfolio. Check if you are overweight in highflyers that would be vulnerable in any selloff. Diversified portfolios with...

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yogibearbull @yogibearbull.bsky.social · 7d

3/3 Fed is also in an easing mode. Gold has caught on as dollar-debasement trade. When demand for gold accelerates so rapidly, its production just cannot catch up, so it’s a basic supply and demand story.
#PersonalFinance #Barrons
ybbpersonalfinance.proboards.com/thread/935/w...

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 7d

2/3 ...it has been higher in 12 months 80% of time (but watch out for those brutal 20% of times). Gold has very high demand from global central banks (they already hold more gold than US Treasuries) & investors that have been driven by US dollar-diplomacy, high budget deficits & rising debt...

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yogibearbull @yogibearbull.bsky.social · 7d

WEEKLY BUSINESS DIGEST 1
TRADER. Jamie DIMON/JPM says that GOLD (+57% YTD) could reach $5,000-10,000 & suggests some exposure even when some investors may find it semi-rational (or irrational). Historically, whenever gold made a new high within the recent 3 months,...

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yogibearbull @yogibearbull.bsky.social · 8d

2/2 There is good beginning, but more focused & prioritized approaches are needed. #IndoUSTribune
indoustribune.com/business/fin...

Personal finance insights October 2025

Dr. K. C. Gupta’s October 2025 YBB Personal Finance report tracks U.S. market sentiment, interest rates, fund allocations, and India’s growing focus on semiconductor and software self-reliance.

indoustribune.com

yogibearbull @yogibearbull.bsky.social · 8d

Personal Finance Insights - News & Features
The need for Indian alternatives for office & business software, cloud services & semi chips are emphasized. Foreign-single-sourcing has its dangers due to geopolitical complexities...

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yogibearbull @yogibearbull.bsky.social · 9d

3/3 Israel-Hamas fragile peace deal, phase 1 has begun. Delayed CPI on 10/24/25 – it’ll affect SSA COLA (2026), & I-Bond & TIPS variable rates. Other updates delayed by DC shutdown – Medicare info during OEP; Fed TSP G Fund rate.
#AAII #CNN #Sentiment
ybbpersonalfinance.proboards.com/post/2257

ybbpersonalfinance.proboards.com

yogibearbull @yogibearbull.bsky.social · 9d

2/3 INVESTOR CONCERNS: Budget, debt, tariffs, inflation, jobs, Fed, dollar, recession, geopolitical, Russia-Ukraine (190+ weeks), Israel-Hamas (67+27 weeks).
For the Survey week (Th-Wed), stocks down, bonds up, oil down, gold up, dollar down...

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yogibearbull @yogibearbull.bsky.social · 9d

SENTIMENT & MARKET INDICATORS, 10/15/25
AAII Bull-Bear Spread -12.4% (low; large decline)
CNN Fear & Greed Index 30 (fear)
NYSE %Above 50-dMA 47.73% (negative)
SP500 %Above 50-dMA 49.80% (negative)
These are contrarian indicators...

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yogibearbull @yogibearbull.bsky.social · 14d

2/2 Trade association NAR's chokehold on the RE industry went away. Highly fragmented RE brokerage industry is rapidly consolidating. #IndoUSTribune
indoustribune.com/business/fin...

Real estate commissions unchanged despite NAR reforms

Despite last year’s landmark NAR settlement and reforms, U.S. real estate commissions remain largely unchanged at 2.5–3% for buyers’ and sellers’ agents. Increased transparency and shorter-term contra...

indoustribune.com