Mini Feature BOND DURATION RULE OF THUMB By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread +1.3% (below average)CNN Fear & Greed Index 45 (neutral)NYSE %Above 50-dMA 25.73% (oversold)SP500 %Above 50-dMA 36.40% (negative) ICI Fund Allocations (Cumulative), 8/30/26OEFs & ETFs:

By: Dr K C Gupta, YBB Personal Finance Mini Feature RUPEE IN TRANSITION CONTRARIAN INDICATORS AAII Bull-Bear Spread -11.9% (very low)CNN Fear & Greed Index 31 (fear)NYSE %Above 50-dMA 23.51% (oversold)SP500 %Above 50-dMA 25.00% (oversold) ICI Fund Allocations (Cumulative), 8/30/26 OEFs & ETFs:

By: Dr K C Gupta, YBB Personal FinanceMini Feature GIFT CITY in INDIA CONTRARIAN INDICATORS AAII Bull-Bear Spread -15.4% (very low)CNN Fear & Greed Index 37 (fear)NYSE %Above 50-dMA 25.92% (oversold)SP500 %Above 50-dMA 27.60% (oversold) ICI Fund Allocations (Cumulative), 7/31/26OEFs & ETFs: Stocks

Mini Feature HISTORT OF BATA By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -24.5% (very low)CNN Fear & Greed Index 29 (fear-high)NYSE %Above 50-dMA 31.12% (negative)SP500 %Above 50-dMA 28.80% (oversold) ICI Fund Allocations (Cumulative), 7/31/26OEFs & ETFs: Stocks

Mini Feature GLOBAL MANUFACTURING HUBS (GMHs) IN INDIABy: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -1.3% (below average)CNN Fear & Greed Index 34 (fear)NYSE %Above 50-dMA 37.78% (negative)SP500 %Above 50-dMA 39.20% (negative) ICI Fund Allocations (Cumulative), 7/31/26OEFs &

By: Dr K C Gupta, YBB Personal Finance Mini Feature DO DIVIDENDS MATTER? CONTRARIAN INDICATORSAAII Bull-Bear Spread +2.1% (below average)CNN Fear & Greed Index 42 (fear-low)NYSE %Above 50-dMA 49.29% (negative)SP500 %Above 50-dMA 47.80% (negative) ICI Fund Allocations (Cumulative), 7/31/26OEFs & ETFs: Stocks 62.92%,

By: Dr K C Gupta, YBB Personal Finance Mini Feature TATA CONTRARIAN INDICATORS AAII Bull-Bear Spread -11.5% (below average)CNN Fear & Greed Index 54 (neutral)NYSE %Above 50-dMA 51.88% (positive)SP500 %Above 50-dMA 53.60% (positive) ICI Fund Allocations (Cumulative), 7/31/26OEFs & ETFs: Stocks 62.92%, Hybrids

Mini Feature CENTRAL BANK RESERVES By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -4.4% (below average)CNN Fear & Greed Index 55 (neutral)NYSE %Above 50-dMA 50-dMA 55.34% (positive)SP500 %Above 50-dMA 58.00% (positive) ICI Fund Allocations (Cumulative), 6/30/26OEFs & ETFs:

SOFTWARE & SEMICONDUCTORS (Part 2) By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -3.2% (below average)CNN Fear & Greed Index 65 (greed)NYSE %Above 50-dMA 62.70% (positive)SP500 %Above 50-dMA 70.40% (overbought, barely) ICI Fund Allocations (Cumulative), 6/30/26OEFs & ETFs:

Mini Feature IRAN WAR – LONG-TERM EFFECTS By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -1.0% (below average)CNN Fear & Greed Index 64 (greed)NYSE %Above 50-dMA 61.75% (positive)SP500 %Above 50-dMA 66.40% (positive) ICI Fund Allocations (Cumulative), 6/30/26OEFs &

By: Dr K C Gupta, YBB Personal FinanceMini Feature DRONES & GEOPOLITICAL INSTABILITIES CONTRARIAN INDICATORS AAII Bull-Bear Spread -11.1% (below average)CNN Fear & Greed Index 42 (fear-low)NYSE %Above 50-dMA 55.39% (positive)SP500 %Above 50-dMA 62.40% (positive) ICI Fund Allocations (Cumulative), 6/30/26OEFs & ETFs: Stocks

Mini Feature REGIONAL FEDERAL RESERVE BANKS By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORSAAII Bull-Bear Spread -12.17% (low)CNN Fear & Greed Index 39 (fear)NYSE %Above 50-dMA 57.13% (positive)SP500 %Above 50-dMA 65.80% (positive) ICI Fund Allocations (Cumulative), 5/31/26OEFs & ETFs: Stocks 63.26%, Hybrids

By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread +12.0% (above average)CNN Fear & Greed Index 37 (fear)NYSE %Above 50-dMA 60.04% (positive)SP500 %Above 50-dMA 64.60% (positive) ICI Fund Allocations (Cumulative), 5/31/26OEFs & ETFs: Stocks 63.26%, Hybrids 3.89%, Bonds 16.80%,

Mini Feature ANNUITIES REVISITED By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -0.9% (below average)CNN Fear & Greed Index 49 (neutral)NYSE %Above 50-dMA 58.79% (positive)SP500 %Above 50-dMA 68.60% (positive) ICI Fund Allocations (Cumulative), 5/31/26OEFs & ETFs: Stocks 63.26%, Hybrids

Mini Feature PERSONAL FINANCE & AI By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -10.9% (below average)CNN Fear & Greed Index 31 (fear)NYSE %Above 50-dMA 57.72% (positive)SP500 %Above 50-dMA 67.00% (positive) ICI Fund Allocations (Cumulative), 5/31/26OEFs & ETFs:

Mini Feature BONILLA DAY, JULY 1 By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread +8.8% (above average)CNN Fear & Greed Index 25 (extreme fear)NYSE %Above 50-dMA 56.04% (positive)SP500 %Above 50-dMA 64.60% (positive) ICI Fund Allocations (Cumulative), 4/30/26OEFs & ETFs:

Mini Feature CREDIT CARDS & SCORES By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -2.8% (below average)CNN Fear & Greed Index 38 (fear)NYSE %Above 50-dMA 52.88% (positive)SP500 %Above 50-dMA 56.00% (positive) ICI Fund Allocations (Cumulative), 4/30/26OEFs & ETFs:

Mini Feature RULE OF 72 By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -17.3% (very low)CNN Fear & Greed Index 34 (fear)NYSE %Above 50-dMA 56.94% (positive)SP500 %Above 50-dMA 61.00% (positive) ICI Fund Allocations (Cumulative), 4/30/26OEFs & ETFs: Stocks

Mini Feature NOMINAL & EFFECTIVE INTEREST RATES By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -0.7% (below average)CNN Fear & Greed Index 42 (fear-low)NYSE %Above 50-dMA 49.18% (negative)SP500 %Above 50-dMA 54.60% (positive) ICI Fund Allocations (Cumulative), 4/30/26OEFs &

Mini Feature ROLE OF GOLD IN GLOBAL PORTFOLIOS By: Dr K C Gupta, YBB Personal Finance CONTRARIAN INDICATORS AAII Bull-Bear Spread -6.3% (below average)CNN Fear & Greed Index 60 (greed)NYSE %Above 50-dMA 58.66% (positive)SP500 %Above 50-dMA 54.40% (positive) ICI Fund Allocations (Cumulative), 4/30/26OEFs