A personal blog about money, markets and crypto
Alex 
KOSPI closed at 5,316.77 on November 11, 2026, down 16.72% in one month (Yahoo Finance). That leaves the KOSPI 5000 line about 317 points below, even after today’s 1.48% bounce. Bank deposits aren’t at risk from this. Index fund holders are taking a real loss, and the next US inflation print plus a close at or above 5,000 will decide whether the bounce lasts.
Wall Street stock market bubble risks are rising: Yahoo Finance shows the Nasdaq down 8.0% in a month. The pressure is coming from bonds. The 10-year Treasury yield climbed back to 4.98% on November 10 after a hotter-than-expected October CPI report, and CNBC reports that comments from Fed governor Christopher Waller pushed up rate-hike bets, all while Nvidia sold off for a second straight day. Cash and diversified f…
Bitcoin sits at $72,844 after dropping 13.11% in 30 days (CoinGecko, November 10, 2026), and the crypto fear and greed index explained simply: the market is scared. The index stands at 32, in fear territory (Alternative.me, November 10, 2026), as the total crypto market cap shed 6.25% in 24 hours alone. When losses pile up this fast, people want to know if the crowd’s panic is a warning or an opportunity. This guide …
Our Bitcoin Ethereum Solana Zcash comparison shows Solana down 21.58% in 30 days, the worst of the four. Zcash lost the least at 6.27%, Bitcoin fell 9.96% to $74,815 and Ethereum dropped 15.49% to $2,116, according to CoinGecko data on November 10, 2026. Nothing here points to a broken network. This is a risk-off month (investors cutting anything volatile at once), and this week’s US inflation report plus continued m…
Fed rate hike odds hit 96% this week, per Cointelegraph, after Governor Waller’s speech. For Korean investors the damage is already visible: KOSPI is down 17.94% in a month even after a 4.39% jump on November 10 to 5,239.13 (Yahoo Finance). Your bank deposits are safe. What changes is the price of risk, the rate you convert won at and, over time, what you pay on a variable loan.
September’s annual inflation rate hit 3.74% (BLS CPI-U), and that number sets the bar for any October CPI report what to expect checklist. The report lands today, Tuesday, November 10, at 8:30 a.m. ET (10:30 p.m. KST). The Fed’s effective rate is 3.88% (New York Fed), so cash is barely staying ahead of prices.
How to read economic indicators starts with one number: US inflation ran 3.74% in September 2026. That Bureau of Labor Statistics figure sits just under the Federal Reserve’s effective rate of 3.88% (New York Fed, Nov. 6), so cash is barely outrunning prices. That’s also why every new data point can swing markets, as the S&P 500’s 2.35% jump on Nov. 9 showed (Yahoo Finance).
On any gold price tracker today, gold reads $4,119.40 an ounce, down 6.79% in three months. That’s the COMEX futures price from Yahoo Finance as of November 10, 2026, and most of the slide comes from a 4.86% 10-year Treasury yield and a firmer dollar, two things that make holding a metal that pays nothing look expensive. Next comes today’s October CPI report. The gold in your account isn’t disappearing, but for three…
The Dave Ramsey 12 percent retirement rule assumes your investments earn 12% a year, so you can spend about 8% of your nest egg every year in retirement. My view is that 12% is too optimistic to plan around, and with the S&P 500 down 5.0% over the past month (Yahoo Finance, as of November 6, 2026), an 8% withdrawal leaves you very little room if the market falls early in your retirement.
The Nvidia Jensen Huang investigation started on November 8, 2026, nine days before Q3 earnings. Nvidia’s board said a committee of independent directors, working with outside counsel, will look into recent reporting that Huang was the target of a foreign intelligence effort. The board also said it has “no reason to believe” that national security or company secrets were compromised.