yogibearbull
yogibearbull.bsky.social
yogibearbull
@yogibearbull.bsky.social
#PersonalFinance #FinancialLiteracy
"at"yogibearbull at #Bluesky, #ProBoards, #Facebook, #Threads, #MFObserver; @YBB_Finance at #X
#LinkedIn, E-Paper #IndoUSTribune
SENTIMENT & MARKET INDICATORS, 1/7/26
AAII Bull-Bear Spread +12.5% (above average)
CNN Fear & Greed Index 47 (neutral)
NYSE %Above 50-dMA 62.30% (positive)
SP500 %Above 50-dMA 61.60% (positive)
These are contrarian indicators...
January 8, 2026 at 12:10 PM
WEEKLY BUSINESS DIGEST 2
PREVIEW/REVIEW. One oz of SILVER now costs more than one barrel of crude oil – that happened last time in 01/1980 when Hunt brothers cornered the silver market. Some say there is a silver bubble, but others say that silver rally may continue...
January 3, 2026 at 1:03 PM
WEEKLY BUSINESS DIGEST 1
COVER - Best Income Ideas for 2026
US STOCKS
Dividends: SCHD, NOBL
Telecom & Cable: CMCSA, T
Utilities: UTES, XLU
MLPs: AMLP, MLPX; CEFs EMO,TYG
FIXED-INCOME
Mortgages: DLTNX, MTBA
Preferreds: FPEI, PFF
Treasuries: SHY, IEF, TLT, ZROZ
Munis: MUB, VWITX...
January 2, 2026 at 10:38 PM
LTCI - Long-Term Care Insurance
LTCI covers physical assistance at-home & assisted-living facilities or nursing homes. Coverage kicks-in after a period of wait (30-90 days) when criteria for disability can be documented & certified based on...
January 2, 2026 at 6:18 PM
SENTIMENT & MARKET INDICATORS, 12/31/25
AAII Bull-Bear Spread +15% (above average)
CNN Fear & Greed Index 46 (neutral)
NYSE %Above 50-dMA 53.73% (positive)
SP500 %Above 50-dMA 57.20% (positive)
These are contrarian indicators...
January 1, 2026 at 11:38 AM
Stable-Value (SV) Rates, 1/1/26
TIAA Traditional Annuity (Accumulation) Rates
EARLY release again! No changes except for a decrease for IRA.
Restricted RC 5.00%, RA 4.75%
Flexible RCP 4.25%, SRA 4.00%, IRA-101110+ 3.50%

TSP G Fund pending (previous 4.125%)...
December 31, 2025 at 2:43 AM
Fund Allocations (Cumulative), 11/30/25
Small reduction in stock %. The changes for OEFs + ETFs were based on a total AUM of about $44.18 trillion in the previous month, so +/- 1% change was about +/- $441.8 billion...
December 30, 2025 at 11:49 PM
WEEKLY BUSINESS DIGEST 2
OTHER VOICES. Ashley LESTER, MSCI. 2025 has been a volatile but good year (3rd in a row) for US stocks. US is attracting huge capex for AI, semis, cloud computing, datacenters, etc; is the dominant market with 67% of global market-cap;...
December 27, 2025 at 12:21 PM
WEEKLY BUSINESS DIGEST 1
STREETWISE. GOLD had a spectacular rally in 2025 (+69% YTD), but who beat gold? Silver +140%, platinum +133%, palladium +95%. Next may be Dr Copper +36%. One “other” metal with potential is uranium +11% only. Fit cobalt wherever you like, it was +115%...
December 26, 2025 at 10:50 PM
LIFE INSURANCE
If you have dependents, you need life insurance. Life insurance through employers may be limited & would disappear on job change/loss or retirement. There are many types of life insurance – annual term-life, multiyear level-term-life,...
December 26, 2025 at 12:05 PM
SENTIMENT & MARKET INDICATORS, 12/24/25
AAII Bull-Bear Spread +2.6% (below average)
CNN Fear & Greed Index 58 (greed)
NYSE %Above 50-dMA 58.41% (positive)
SP500 %Above 50-dMA 62.80% (positive)
These are contrarian indicators...
December 25, 2025 at 11:51 AM
WEEKLY BUSINESS DIGEST 2
TECH TRADER. There are memory chips shortages (through 2027) similar to those experienced during the pandemic. Of course, AI chips have shortages as far as eyes can see. This has benefited most chip manufacturers – NVDA (74% margin), MU (68% margin),...
December 20, 2025 at 1:58 PM
WEEKLY BUSINESS DIGEST 1
TRADER. Through an Executive Order, President TRUMP may limit dividends & buybacks by defense companies (ETF ITA) if their government projects are delayed or overbudget. This isn’t a good idea because contract nonperformance language belongs in the contract itself...
December 19, 2025 at 11:45 PM
SHOULD YOU BUY ANNUITIES?
Annuities are complex products sold by insurers through long prospectuses. Buy only basic low-cost annuities. Guarantees are from insurers. There may be surrender periods with penalties. There are accumulation & payout annuities...
December 19, 2025 at 2:12 PM
SENTIMENT & MARKET INDICATORS, 12/17/25
AAII Bull-Bear Spread +10.9% (above average)
CNN Fear & Greed Index 39 (fear)
NYSE %Above 50-dMA 56.11% (positive)
SP500 %Above 50-dMA 58.80% (positive)
These are contrarian indicators...
December 18, 2025 at 12:38 PM
WEEKLY BUSINESS DIGEST 2
Barron’s Stock PICKS for 2026: AMZN, BMY, CMCSA, DIS, FLUT, FRFHX, MSGS, SLG, V, XOM.
To lower TAX bill for 2025 (only 2 weeks left), maximize 401k/403b contributions (catchups for 50+ & 60-63),...
December 13, 2025 at 3:45 PM
WEEKLY BUSINESS DIGEST 1
UP & DOWN WALL STREET. Soon after Fed QT ended, a new Fed QE focused on T-Bills started. But the Fed is calling this RMP (reverse management purchase) to handle m-mkt conditions ahead of April 15 tax deadline (are we there yet? It’s only early-Dec...
December 12, 2025 at 10:46 PM
UPI REAL-TIME PAYMENTS
Indian UPI is a direct, real-time payment interface among participating banks & nonbank financials (credit cards, ATMs, Apps & fintechs) using customers' UPI IDs & linked mobile phone numbers. Interoperability among participating institutions & users...
December 12, 2025 at 3:39 PM
SENTIMENT & MARKET INDICATORS, 12/10/25
AAII Bull-Bear Spread 14% (above average)
CNN Fear & Greed Index 36 (fear)
NYSE %Above 50-dMA 58.42% (positive)
SP500 %Above 50-dMA 54.60% (positive)
These are contrarian indicators...
December 11, 2025 at 12:13 PM
WEEKLY BUSINESS DIGEST 2
Small NASDAQ IPOs have been disasters even as Nasdaq Composite is doing well. Many of these small IPOs are from companies in China, HK, Singapore. SEC is looking into social-media pump-&-dump & other manipulations of the Nasdaq IPO market;...
December 6, 2025 at 3:04 PM
WEEKLY BUSINESS DIGEST 1
COVER STORY. New uber-rich from private-equity/credit (APO, ARES, BX, CG, KKR, OWL) now lead in executive compensation & influence in politics (federal, state), sports, entertainment, media, Hollywood, education (university endowments & boards)...
December 6, 2025 at 12:29 AM
Tax-Loss Harvesting (TLH), December 2025
For TLH procrastinators, the market has regular hours on the last trading day of the year, Wednesday, 12/31/25. It's the trading date, not the settlement date, that counts for TLH. It's possible to sell & simultaneously buy...
December 5, 2025 at 3:15 PM
SENTIMENT & MARKET INDICATORS, 12/3/25
AAII Bull-Bear Spread +13.5% (above average; big change)
CNN Fear & Greed Index 26 (fear-low)
NYSE %Above 50-dMA 56.70% (positive)
SP500 %Above 50-dMA 54.4% (positive)
These are contrarian indicators...
December 4, 2025 at 12:18 PM
WEEKLY BUSINESS DIGEST 2
INCOME INVESTING. Tax-loss harvesting (TLH) can be tricky because securities with YTD losses can be sold sharply in December. Almost 50%+ of LC R1000 has YTD losses – it has been that kind of strange “good” year...
November 29, 2025 at 1:19 PM
WEEKLY BUSINESS DIGEST 1
TRADER. Where did the AI bubble go? It seems that investors just forgot about AI bubble while enjoying Thanksgiving feasts. OR, an unexpected minor dip in NVDA after blowout earnings report lifted other boats (if so, let there be more rotating pullbacks)...
November 28, 2025 at 10:07 PM