TOPLEY'S TOP 10

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1. Bonds are Safe? 20 Year Treasury ETF -43% Past 5 Years

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2. Tech Stock Drawdowns are Common Place

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3. AAPL +20% 2026 vs. Mag 7 +1.5%

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4. One Month Reversal….KWEB Chinese Internet ETF +8.75% vs. EWY S Korea ETF -25%

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5. One Year Return S.Korea EWY +130% vs. China KWEB -20%

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6. Rule of 20 for S&P

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7. Weight Loss War Goes to Court…Novo Nordisk Sues LLY….NVO -24% One Year

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8. What Does the U.S. Import from Canada and Mexico?

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9. Home Affordability-The U.S. has been Here Before

Home Affordability: Better Than Headlines Suggest by Lance Roberts of Real Investment Advice, 7/21/26

Boomers Did Not Have It Easy

Here’s the part the narrative skips. The Boomer who bought in 1980 financed at a 30-year fixed rate of 13.74%, watched it climb past 18% by October 1981, and had no way to know rates would ever come back down, which made every payment feel like a life sentence.⁵ Think about that. For a median home price of $64,600 with 20% down, that household sent roughly 39% of its income to the mortgage before property taxes.⁶ Add the taxes, and the typical 1980 family spent close to 47% of their income on housing.

Today’s buyer, financing about $417,000 near 6.5%, spends closer to 32% on the mortgage and about 43% all in.6,14 Two independent analyses ran this exact math and landed in the same place. On the payment that matters, 1980 was as hard as, or harder than, 2026. So home affordability today is mostly a payment story, and the payment math favors the present. Notice what the work did. It isn’t the price of the home, it’s the rate.

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10. Global Opinions of U.S. vs. China

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