Terms & Disclaimer

Last updated: September 13, 2026

These terms govern your use of USStockInsights. By reading the site you accept them. If you do not accept them, please stop using the site.

What this site is

USStockInsights is an independent publication operated by an individual publisher as part of the DailyHub Network. It is not affiliated with, endorsed by, or speaking for any company, agency, or organization mentioned in its articles.

Information, not advice

Everything here is general information published for a general audience. It is not professional advice and it is not tailored to your situation. In particular:

  • Nothing here is financial or investment advice. We are not licensed financial advisers, brokers, or tax professionals. Articles about markets, rates, prices, or products describe what is publicly reported; they are not recommendations to buy, sell, or hold anything. Before acting on money matters, consult a licensed professional who knows your circumstances.
  • Nothing here is legal advice. Rules differ by country, state, and situation, and they change.
  • Nothing here is medical or veterinary advice. Articles that touch on health, safety, or animal care are not a substitute for a qualified professional examining the actual situation.

Accuracy and currency

Articles are written from primary sources wherever possible and each figure carries an as-of date. Even so, information goes out of date, sources revise their numbers, and mistakes happen. We make no warranty that any article is complete, current, or error-free. Check the original source before relying on a number, and tell us at deh6675@gmail.com if you find something wrong — corrections are made openly.

Limitation of liability

To the maximum extent permitted by law, the publisher is not liable for any loss or damage arising from your use of this site or from anything you do or do not do because of what you read here. You use the site at your own risk.

External links

Articles link to outside sites. Those sites are not under our control, and a link is not an endorsement. Once you leave, that site's terms and privacy policy apply, not ours.

Advertising and affiliate links

This site carries advertising and some articles contain affiliate links. See the Affiliate Disclosure page for details. Advertisers do not review or approve articles, and a commission never decides what gets recommended.

Copyright

Articles, layout, and original images on this site belong to the publisher. You may quote a short passage with a link back. Republishing whole articles without permission is not allowed. Photographs from third parties are used under their own licences, which are credited where they appear. If you believe something here infringes your rights, write to the address above and it will be reviewed promptly.

Comments

Comments are welcome. Spam, abuse, and anything unlawful will be removed. Comments are public and you are responsible for what you post.

Changes

These terms may change. The revised version appears on this page with a new date at the top.

Contact

deh6675@gmail.com

Comments

Post a Comment

Popular posts from this blog

Did High-Yield Credit Spreads Really Widen 29%? What the FRED Series Actually Shows

Image
The New York Stock Exchange -- credit spreads, traded in the bond market, often move before equity prices do. Photo: Carol M. Highsmith/Library of Congress, Wikimedia Commons , public domain. Key takeaways The ICE BofA US High-Yield Option-Adjusted Spread closed at 3.44% on October 30, 2026 and 3.43% on November 2. That is not a 2026 high: the series printed 3.46% on March 30, 2026. The "29% in five weeks" framing depends entirely on which day you start from. Measured over the last 25 trading days to October 30 the rise is 17.4%, from 2.93% on September 25. Measured from the actual 2026 low - 2.60% on August 28, not 2.66% on September 21 - it is 32.3%, over two months rather than five weeks. Most of the move is two days old. The spread was 3.14% on October 28 and 3.44% on October 30, a 9.6% jump in two sessions after four straight sessions of narrowing. The 2008, 2016 and 2020 crisis peaks cannot be checked against this series any more. FRED's own series ...
Read more

Gold Is Down 30.7% From Its January 2026 Record. Here's How That Compares With Gold's Five Worst Bear Markets on Record

Image
Gold's record-breaking rally ended in the dead of winter, and the reversal hasn't let up since. Spot gold peaked at $5,589.38 per troy ounce on January 28, 2026, then fell roughly 30.7% to $3,875.84 by October 30, 2026 — a nine-month round trip from a fresh all-time high back to levels last seen before the final leg of its 2025–2026 run. The real question for anyone holding gold, a gold ETF, or shares in a gold miner isn't whether this counts as a correction; a decline past 20% from a peak already clears that bar on its own. It's whether this looks like any of the five genuine gold bear markets the World Gold Council has documented since 1974 — and on the one measure that matters most for sizing a position, speed, this one is already moving faster than every single one of them. That speed is the real headline here, not the size of the drop. A 30.7% decline is, so far, smaller than every one of the five historical bear markets detailed below. But reaching it in roughl...
Read more

S&P 500 Midterm-Year Pattern Since 1946: Does the 20-for-20 Record Hold for October 2026?

Image
Update November 6, 2026: October 2026 is now complete. The S&P 500 closed the month at 7,580.07 on October 30, down 0.93% from its September 30 close of 7,651.54 and up 10.73% for the year. Its highest daily close of 2026 was 7,818.93 on October 6, so the 7,844.52 “52-week high” cited below is not a closing level. On Election Day, November 3, the index closed at 7,568.92, 3.11% below the October 9 reference close used in this article; that close is the starting level for the 12-month post-election window Truist and UBS track (S&P Dow Jones Indices data via FRED, series SP500). One line about midterm years circulates every two years: since 1946, the S&P 500 has been positive in the twelve months after every single midterm election — twenty for twenty. It is the kind of statistic that gets repeated without anyone opening the spreadsheet. What follows takes the claim apart in three checks: what the counting window really is, what the raw annual returns say wh...
Read more

The Stock Market's "Best Six Months" Start November 1. Here's What 76 Years of Data Actually Show

Image
Every November 1, the same statistic circulates: since 1950 the Dow Jones Industrial Average has averaged a 7.3% gain from November through April against just 0.8% from May through October. The claim is easy to repeat and hard to check, because the two most-cited sources publish different numbers, neither publishes the hit rates that get quoted alongside them, and the arithmetic example that usually follows does not reconcile. So this version is built out of comparison tables: one table per claim, with a column for what we could verify ourselves. The New York Stock Exchange on Wall Street. Photo: Arnoldius, CC BY-SA 3.0 , via Wikimedia Commons . File photo, not tied to any specific trading session discussed in this article. Key takeaways Fidelity, citing FactSet data since 1945, puts the S&P 500 at roughly 7% for November-April against about 2% for May-October. Those are price returns, dividends excluded. Our own count on 81 November-April windows since 1945 (Shiller monthl...
Read more

Is a Sudden VIX Spike a Warning Sign? What October 30, 2026 Looks Like Next to 2018 and 2024

Image
The VIX closed at 19.42 on October 30, 2026 , up 2.22 points or 12.91% from 17.20 the session before, as an AI-spending sell-off took the S&P 500 down 1.82% and the Nasdaq Composite down 2.86%. Two sessions in the modern record are the ones people reach for when a volatility index jumps: February 5, 2018 and August 5, 2024. Put all three side by side and the 2026 move is the smallest of them by a wide margin - and it is smallest for a reason that has nothing to do with how bad the day felt. New York Stock Exchange trading floor, 1963. Photo by Thomas J. O'Halloran, U.S. News & World Report collection, Library of Congress , public domain. Key takeaways February 5, 2018: VIX 17.31 to 37.32 , a 115.6% single-session jump, off a base that had touched an all-time intraday low of 8.56 ten weeks earlier. Dow -1,175 points (-4.6%). August 5, 2024: VIX 23.39 to 38.57 , up 64.9% , off an already elevated base, on a yen carry-trade unwind. S&P 500 -3%. October 30, 202...
Read more

Are S&P 500 Buybacks Flashing the Same Warning Sign as 2007 and 2018?

Image
Correction November 10, 2026: the 1% buyback excise tax was described as cutting Q3 2025 operating earnings by "roughly 0.36%–0.41%" and as already reflected in the reported buyback totals. S&P Dow Jones Indices reports 0.36% for operating earnings and 0.41% for As Reported (GAAP) earnings as two separate figures, and the tax reduces earnings rather than the buyback dollars; the buyback-yield passages now state that the 1.4% figure is this article's own calculation rather than a third-party tracker's. Source: S&P Dow Jones Indices, "S&P 500 Q3 2025 Buybacks" press release, December 18, 2025. Berkshire Hathaway told investors on November 7, 2026 that it spent roughly $9.6 billion buying back its own stock in the third quarter, its biggest buyback quarter ever. That announcement landed three weeks after Ned Davis Research reported that net S&P 500 buybacks had slipped back below the $1 trillion mark (on a trailing 12-month basis) for the first...
Read more

The S&P 500's Dividend Yield Just Hit an All-Time Low of 1.05%. Here's Why It's Not Quite 2000 Again

Image
The S&P 500's dividend yield is the lowest it has ever been. The record itself is not in dispute — the series that produces it labels its own minimum as 1.05%, set in October 2026. What is worth an hour of your attention is that almost every word in the sentence "the dividend yield just hit an all-time low" is doing more work than it looks like, and three of them are doing something different from what most write-ups assume. Photo: Bruno Sanchez-Andrade Nuño (Flickr) · original file page · CC BY 2.0 . Key takeaways The record is real: the series' stated minimum is 1.05%, October 2026 , against a 155-year mean of 4.20% and a maximum of 13.84% in June 1932. The most recent daily reading we could verify is 1.07% at the close on Friday, October 30, 2026 . Readings after June 2026 are estimates , not reported figures: the numerator is fixed at twelve months of dividends through June 2026. Every move since then is a price move by construction. The prio...
Read more

The Personal Saving Rate Just Fell to 3.8% — the Lowest Since October 2022, and the 7th Percentile of 67 Years of Data

Image
Correction November 11, 2026: The original headline and opening paragraph said that only the mid-2000s pre-crisis years were consistently lower than September 2026's 3.8%. FRED's PSAVERT series shows eight consecutive months from March to October 2022 at 2.4%-3.6%, so the accurate statement is that 3.8% is the lowest reading since October 2022. Also corrected: the 2006-2007 band (1.9%-3.3%, not 1.9%-2.4%), the 1998-2001 range (3.7%-4.8%, which applies to September 1999-December 2000), the count of monthly declines in the past year (six of twelve, not nine) and the recession-pattern claim (two of three episodes, not two of two). Source: Bureau of Economic Analysis Personal Saving Rate (PSAVERT) via FRED, Federal Reserve Bank of St. Louis. Correction November 12, 2026: The episode table still showed the pre-correction 2006-2007 band of 1.9%-2.4%; it now shows 1.9%-3.3%, matching the text. The 1998-2001 row now states that the 3.7%-4.8% range covers September 1999 through Decembe...
Read more