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yogibearbull
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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
GOLD RESERVES (India)
Indian gold reserves at $100+ billion (880 tonnes) were at 29-year high as of 10/10/25. That puts India at #8, ahead of Japan, but behind Switzerland; #1-US, #2-Germany. That's 14.7% of total RBI reserves. 40% of Indian gold reserves are still held...
November 28, 2025 at 8:07 PM
Fund Allocations (Cumulative), 10/31/25
No significant changes overall. The changes for OEFs + ETFs were based on a total AUM of about $43.43 trillion in the previous month, so +/- 1% change was about +/- $434.3 billion...
November 28, 2025 at 4:55 PM
SENTIMENT & MARKET INDICATORS, 11/26/25
AAII Bull-Bear Spread -10.7% (below average)
CNN Fear & Greed Index 18 (extreme fear)
NYSE %Above 50-dMA 53.71% (positive)
SP500 %Above 50-dMA 56.60% (positive)
These are contrarian indicators...
November 27, 2025 at 12:24 PM
Stable-Value (SV) Rates, 12/1/25
TIAA Traditional Annuity (Accumulation) Rates
EARLY release! 25 bps increases, except no change for IRA.
Restricted RC 5.00%, RA 4.75%
Flexible RCP 4.25%, SRA 4.00%, IRA-101110+ 3.75%

TSP G Fund pending (previous 4.125%)...
November 26, 2025 at 10:44 PM
WEEKLY BUSINESS DIGEST 2
RETIREMENT & WELL BEING. Need new shock-absorbers for your old portfolio? Classic 60-40 (stocks-bonds) or modern 55-35-10 (stocks-bonds-alts) will do. Forget the terrible 2022 when both stocks & bonds tanked – ...
November 22, 2025 at 4:48 PM
WEEKLY BUSINESS DIGEST 1
TRADER. This market is hard to describe – how is violently flat! This wk was rough on some good news. Speculative cryptos sold off & Bitcoin was in bear territory (-32% from Oct high). NVDA became sell-the-news story...
November 21, 2025 at 11:07 PM
MEDICAL TOURISM in India is growing. High-quality medical treatment, care & rehabilitation in India are much cheaper than those in US. Procedures can range from transplants, surgeries (incl eyes/dental), conventional (Western) & unconventional (Eastern/ Ayurveda) treatments...
November 21, 2025 at 7:41 PM
SENTIMENT & MARKET INDICATORS, 11/19/25
AAII Bull-Bear Spread -11.0% (below average)
CNN Fear & Greed Index 11 (extreme fear)
NYSE %Above 50-dMA 34.41% (negative)
SP500 %Above 50-dMA 36.40% (negative)
These are contrarian indicators...
November 20, 2025 at 12:13 PM
WEEKLY BUSINESS DIGEST 2
OTHER VOICES. Jeff KORZENIK & Josh WAYNICK, Fifth Third/FITB. LABOR HOARDING? Authors suggest that since 2021, companies have found it cheaper to retain good employees than to hire & train new employees...
November 15, 2025 at 1:14 PM
WEEKLY BUSINESS DIGEST 1
TRADER. Dippers are watching & waiting. The mixed market this week hides the activity – the runup from the expectations of government reopening, then a sharp selloff on the actual news. AI & a possible Fed rate cut are still powering this market...
November 15, 2025 at 12:05 AM
BNPL - Buy Now, Pay Later
BNPL loans have been considered INSTALLMENT loans (home, auto, personal loans). They are easily & quickly approved, often at checkout counters (point-of-sale approvals). Interest rates vary a lot...
November 14, 2025 at 1:00 PM
SENTIMENT & MARKET INDICATORS, 11/12/25
AAII Bull-Bear Spread -17.5% (very low)
CNN Fear & Greed Index 34 (fear)
NYSE %Above 50-dMA 48.58% (negative)
SP500 %Above 50-dMA 52.20% (positive)
These are contrarian indicators...
November 13, 2025 at 12:11 PM
WEEKLY BUSINESS DIGEST 2
OTHER VOICES. David BECKWORTH, Mercatus Center, George Mason U & podcast Macro Musings. Despite Fed’s lip-service for +2% inflation target, +3% seems the new inflation norm. Both CPI & PCE are hovering around +3% & inflation-expectations are rising...
November 8, 2025 at 4:16 PM
WEEKLY BUSINESS DIGEST 1
TRADER. Stock market was down on profit taking in big techs. Cyclical DJIA wasn’t hurt as badly as techy Nasdaq Comp, and equal-weight RSP outperformed growthy SPY. A pullback/ correction was overdue...
November 7, 2025 at 11:10 PM
QCDs from TIRAs
Charitable contributions can be made from taxable accounts, DAFs & as QCDs (Qualified Charitable Distributions) from Traditional IRAs (TIRAs). QCDs can be made after 70.5 & that is 2.5 years before RMDs start now. QCDs don’t flow through 1040 income...
November 7, 2025 at 11:37 AM
SENTIMENT & MARKET INDICATORS, 11/5/25
AAII Bull-Bear Spread +1.7% (below average)
CNN Fear & Greed Index 24 (extreme fear)
NYSE %Above 50-dMA 39.35% (negative)
SP500 %Above 50-dMA 40.60% (negative)
These are contrarian indicators...
November 6, 2025 at 11:42 AM