A personal blog about money, markets and crypto
I'm Alex. I invest in stocks and ETFs and have followed crypto since 2017. Here I write down what I learn about the economy, markets and money, with the source for every number.
Oil price chart explained: WTI crude is at $90.16 a barrel, up 9.78% in three months (Yahoo Finance, November 9, 2026). Over the past month, though, it has slipped 3.82%. So oil is expensive compared with late summer, and it…
Dividend yield is yearly dividends divided by share price, and a 4.86% Treasury now sets the bar. That 4.86% is the US 10-year Treasury yield on November 6, 2026 (Yahoo Finance), so a stock yielding less needs dividend growth or price gains to make up the difference for the extra risk you’re taking. Below you’ll find the formula, a worked example with $10,000, and the traps I wish someone had shown me earlier.
The S&P 500 is down 5.0% over the past month, so most stock-heavy 401k balances are lower too. Yahoo Finance data through November 6, 2026 shows the Nasdaq Composite fell 9.61% over the same month, which means the stock market drop 401k savers are feeling is sharper in plans that lean on growth or tech funds. For most savers with years to go, the dollar loss is smaller than it feels. The bigger risk is what you do ne…
An S&P 500 index fund tracks the index, down 5.0% in a month to 7,376.86 per Yahoo Finance. It holds the roughly 500 large US companies in the S&P 500, in the same proportions, so one purchase gives you a slice of all of them. You don’t pick winners. You accept the market’s return, minus a small fee, and that’s the whole point.
The altcoin meaning is simple: any crypto that isn’t Bitcoin, now 40.04% of the market. CoinGecko data puts Bitcoin dominance at 59.96% today. That means every other coin combined, from Ethereum to Dogecoin to dollar stablecoins, adds up to roughly $1.02 trillion of a $2.54 trillion market, and over the past 30 days most of the big ones have fallen two to three times harder than Bitcoin.
At $75,835 per Bitcoin, how you store your keys matters as much as which coin you bought. The short answer to hot wallet vs cold wallet: a hot wallet (software on a phone or computer that’s online) is for money you spend or trade, and a cold wallet (keys kept offline, usually on a hardware device) is for money you plan to hold. Most people end up using both and splitting funds by amount.
Staking rewards pay you in the coin you stake, and ETH fell 10.37% in the 30 days to Nov 8, 2026. That one fact explains most of what beginners get wrong about crypto staking rewards: the yield is real, but it’s paid in an asset whose price can move far more in a month than the reward adds in a year.
Binance accounts closing in Europe by the end of 2026 affect users in some countries, and fees start before that. CoinDesk reported on Nov. 7, 2026 that affected users have been told to pull their crypto before the fees kick in. If you’re one of them, the fix is simple: check your Binance notices today and move your coins well before December. Leaving it to the last week is how people get hurt.
Hyperliquid’s HYPE trades at $77.16, about 21% below its $97.96 all-time high, according to CoinGecko. If you’re asking what is Hyperliquid and why it keeps showing up on trending lists, the short answer is that it’s a blockchain built mainly to run a futures exchange, and HYPE is the token that pays for, secures and governs that chain. It’s also down 12.23% this week, so this is a good moment to understand it before…
Tokenized stocks lost up to 16.51% in 24 hours, in the same window Apple and Meta rejected the OKX-ICE plan. The tracked tokenized ETF category fell to about $584 million, and Ondo’s tokenized assets dropped 14.11%. Here’s my short read. The dollar amounts are small, the drop probably reflects how these tokens get counted more than panic selling, and the Apple and Meta pushback is what matters over the long run.