TOPLEY’S TOP 10 March 24, 2026

1. Record Volume Downside Friday and Upside Monday

Up vs. down volume. “A day after the heaviest down volume in NYSE history, we get the heaviest up volume. Totally normal market.”

Daily Chartbook


2. One-Month Returns IGV Software ETF Outperforming QQQ and Semis (SMH)

YCharts


3. Silver Down 10 Days in a Row.  -21% One Month

Google Finance


4. BETZ Sports Gambling ETF Negative 5 Year Returns

Google Finance


5. Anthropic Catching Open AI in Revenues

The Irrelevant Investor


6. Bonds Correlated to Stocks During Inflation

“Higher inflationary pressures limit central banks’ ability to help and some will be forced to hike into a down growth cycle to arrest inflation and also FX depreciation,” said Trinh Nguyen, a senior economist at Natixis in Hong Kong.

Bloomberg


7. Coal Still 25-30% of Global Energy ….80% in Asia

Oilprice


8. Ukraine Takes Back 150 Miles from Russia with Some Help From Elon Musk

Ukraine Is Suddenly on the Offensive, With Help From Elon Musk

Kyiv’s forces have notched their biggest domestic territorial gains in more than two years after Russia lost the use of Starlink

WSJ


9. 16-24 Year Olds Believe in Astrology-Prof G Markets

Prof G Markets


10. Science Explains Why You Wake Up at 3 a.m., and How to Go Back to Sleep

About one in five people have middle-of-the-night insomnia.

EXPERT OPINION BY MINDA ZETLIN, AUTHOR OF ‘CAREER SELF-CARE: FIND YOUR HAPPINESS, SUCCESS, AND FULFILLMENT AT WORK’ @MINDAZETLIN

What should you do if you wake up in the middle of the night and can’t fall back asleep? This is one of the most common—and frustrating—forms of insomnia. It turns out there’s a biological reason for it. And there are things you can do that may help you drop off again quickly.

If you’re an entrepreneur or business leader, this may have happened to you more than once. Starting a business and being responsible for a team of employees means you may have a lot to worry about. In the middle of the night, those worries seem to grow more powerful and harder to set aside or ignore. You find yourself stuck going round and round in an endless cycle of negativity. Pretty soon, it’s morning, and you have to face the day feeling exhausted.

Middle-of-the-night insomnia.

Middle-of-the-night insomnia affects about one out of every five people. It’s even more common than having trouble falling asleep in the first place. And there’s a biological explanation, according to psychologist and sleep expert Michael Breus. In a recent Washington Post interview, he explained: “Every person on earth wakes up between 1 and 3 o’clock in the morning.” This is because our body temperature naturally starts falling around 10 p.m. That sets off melatonin production and signals our bodies that we should start heading for sleep. Between 1 and 3 a.m., our temperature naturally starts to rise again, and we shift into a lighter stage of sleep. Often, we wake up, but most of us are barely aware of it. We shift positions and go back to sleep.

Except, sometimes we don’t. Some of us have a lot more trouble falling back asleep, a problem that may be worsened if we have a lot on our minds. We wind up, mentally spinning our wheels, and sleep becomes that much harder.

If this happens to you, here’s what to do.

1. Resist temptation.

Your hardest assignment for falling back to sleep might be not doing most of the things you instinctively want to do. For example: Do not pick up your phone or other mobile device, or even an e-book. Many studies have shown that looking at screens interferes with falling asleep, even if what you’re looking at is something relaxing, such as a puzzle or light reading. You may really, really want to break this rule. Don’t.

You might also be tempted to get out of bed, especially to go to the bathroom. But standing up and walking will raise your heart rate, making it harder to fall back asleep, Breus said. And, he added, sleeping on your side can create the false sense that you need to pee. So he recommends lying on your back and counting to 30. If you still need to go to the bathroom, then go.

Finally, and perhaps most frustrating, do not look at the time. A sleep expert told me this years ago and I find it a hard instruction to follow. But I can attest that if I resist the urge to see what time it is, I do fall back asleep more quickly. Looking at the time throws your brain into planning mode, and that’s not what you want.

2. Do some controlled breathing.

Breus recommends 4-7-8 breathing, in which you inhale for a count of four, hold your breath for a count of seven, and then exhale to a count of eight. I’ve used this method many times myself to fall asleep and it really does work. Anahad O’Connor, the Washington Post health columnist who interviewed Breus, writes that it’s made a huge difference to his own chronic middle-of-the-night insomnia.

The reason this breathing technique is so effective is that it affects your vagus nerve, the longest nerve in your body. When you slow your breathing and make your exhalations longer than your inhalations, it slows your heart rate and sends a message to your body to relax. This means that any breathing technique that makes your exhalations longer than your inhalations may help you fall asleep faster. Even something very simple, such as counting to four on your inhalation and six on yur exhalation, can work. In yoga, techniques like these are called pranayama, or controlled breathing. They are a powerful way to help yourself relax.

3. Stop your worries from overwhelming you.

I’ll admit that it was much easier for me to write that sentence than it is for any of us to actually master our worries. But you can be certain that, whatever troubles you may be facing, sleep deprivation will only make them worse. So it’s worth making the effort.

Meditation is one very effective way to conquer your worries and help yourself sleep—and you can do it while lying in bed. Breus suggests tensing and then releasing one part of your body after another—for instance, starting with your toes and working your way up your legs. This is similar to a form of meditation called a body scan and can help you calm down and fall asleep.

O’Connor also recommends cognitive shuffling, which is a clever way to introduce completely random images into your mind. This mimics the way our minds tend to wander just as we’re dropping off, and it provides a good distraction from whatever we’re fretting about. Whichever technique you try, the more you can do to pull your mind away from whatever’s bothering you, the higher your chances of dropping off quickly and winding up with a good night of sleep.

There’s a growing audience of Inc.com readers who receive a daily text from me with a self-care or motivational micro-challenge or tip. (Want to learn more? Here’s some information about the texts and a special invitation to a two-month free trial.) Often, they text me back about their thoughts and experiences and we get into a conversation.

Many of my subscribers are solopreneurs or run small businesses, and some of them struggle with middle-of-the-night insomnia themselves. Trying some of these techniques might help them—and you—finally get a better night’s rest.

Like this column? Sign up to subscribe to email alerts and you’ll never miss a post.

The opinions expressed here by Inc.com columnists are their own, not those of Inc.com.

www.inc.com

TOPLEY’S TOP 10 March 23, 2026

1. Gold Largest Monthly Decline Since 2013

Bespoke Gold’s double-digit percentage decline this month is on pace for the largest monthly decline in the commodity since June 2013 and, if it holds, would rank as the eighth largest one-month decline in gold since at least 1975. What’s even more interesting is that this month’s decline follows a double-digit percentage gain in February.

Bespoke’s


2. Non-Software Private Loans Not Showing Distress

 Apollo


3. Silver SLV Chart –Blue Support Line Goes Back to 2022 ..Huge Level Held

StockCharts


4. Gold GLD Same Blue Support Line—Nowhere Near It

StockCharts


5. GDX Gold Miners -30% from Highs….Right on 200-Day

StockCharts


6. Drone deals fueled VC’s 139% surge into defense robotics

Pitchbook By Jacob Robbins, Technology Reporter

Defense and security robotics attracted $8 billion in VC across 234 deals in 2025, a 139% year-over-year increase, according to our debut Robotics & Physical AI VC Trends report. The subsector also surpassed all of its peers.

Much of defense robotics’ rise is coming at the expense of logistics and warehousing, which historically has captured the lion’s share of investor attention. The latter shed 28.5% of its deal value in 2025 compared to 2024.

The shift may reflect more than just a brief reallocation.

“Warehousing and logistics has moved out of the hype phase and into a tougher environment where investors want clearer differentiation, better margins and proof that these companies are not just selling into a slower industrial CapEx cycle,” said Ali Javaheri, PitchBook’s senior emerging spaces research analyst and the author of the report.

“Robotics capital is no longer just chasing automation in the abstract—it is flowing toward segments where buyers need capability now and are willing to pay for it,” he said. “Defense fits that perfectly.”

PitchBook

Autonomous drones were the main driver of the surge in funding in defense robotics, raking in $6.2 billion across 169 deals on a trailing-12-month basis as investors pour capital into a market reshaped in real time by conflicts in Ukraine and the Middle East.

Overall, the robotics and physical AI sector raised a record $27.6 billion across 1,009 deals in 2025, more than double the $13.7 billion invested in 2024 from 851 pacts.

Some of the biggest deals in Q4 were for defense and security robotics startups.

German autonomous-drone specialist Quantum Systems—which has deployed its drones for the Ukrainian army—raised $208.6 million in new funding and tripled its valuation to $3.5 billion in November.

And Forterra, a startup developing autonomous robotic military vehicles, raised a $238 million Series C in November as well.

Defense robotics’ boom is part of a broader investment wave for autonomous systems. Last year, VC investments into the sector were up 143%.


7. Market History Fact—1989 Japan was 45% of Global Market Cap

Google


8. China Doubles Down on Crypto Ban-China Document 42

Perplexity


9. Medicaid and Autism

WSJ The bet paid off. In 2023, the state paid Mitchell’s company, Piece by Piece Autism Centers, $29 million to provide therapy to just 84 patients—about $340,000 a child—according to a Wall Street Journal analysis of Medicaid billing records.

That amount surpassed what Indiana Medicaid typically spends in a year treating a newly diagnosed lung-cancer patient or covering a year of nursing-home care.

Piece by Piece became one of Medicaid’s most expensive providers in part by raising its prices, triggering reimbursements as high as $640 an hour for routine therapy that can be administered by workers with little more than a high-school diploma. Its highest payments were more than 10 times higher than the nation’s average.

Mitchell said her company complied with Indiana’s rules and the state never objected to her prices. 

“I don’t think Indiana really had any oversight, or not much,” said Mitchell, who bought a series of properties, including a $2.5 million home on Florida’s Sanibel Island and a $600,000 waterfront house on the Tippecanoe River in Indiana, while her company’s Medicaid billings soared.

WSJ


10. How Toxic People Make Us Age Faster

Psychology Today A new study shows how unpleasant people lead to accelerated biological aging. Sebastian Ocklenburg, Ph.D.

Key points

  • Toxic people can cause a lot of stress with their behavior
  • Studies have shown that stress can accelerate biological aging
  • A new study investigated the effect of toxic people on biological aging
  • Having a toxic person in the social network accelerated aging by 1.5%.

How bad are toxic people for physical health?

Supportive and positive social relationships with friends and family members can have many positive effects on health and mental well-being. In contrast, toxic friends or family members that are overly hostile, permanently passive-aggressive, or purposefully difficult can become huge stressors. Chronic stress has all sorts of negative effects on both mental and physical health. For example, stress research has shown that chronic stress can accelerate ageing and increase inflammation.

This implies an intriguing research question: Do toxic people not only worsen our mental health, but do they maybe also have a very real effect on biological age and accelerate the ageing process due to all the stress they cause?

A new study on toxic social ties and accelerated aging, and inflammation

A new study, just published in the prestigious scientific journal “Proceedings of the National Academy of Sciences of the United States of America” (or in short: PNAS), was focused on finding out whether toxic people accelerate biological aging (Lee and co-workers, 2026). In the study entitled “Negative social ties as emerging risk factors for accelerated aging, inflammation, and multimorbidity”, the research team led by scientist Byungkyu Lee from New York University used an advanced biological method called DNA methylation-based biological aging clocks. This method allowed them to determine the biological age of the volunteers in their study. Overall, data from more than 2300 volunteers from Indiana were analysed in the study. For each volunteer, the scientists determined their social networks and whether they had one or more “hasslers” In their social network. “Hasslers” were people who caused the person too much stress and difficulty. Moreover, saliva samples were collected from the volunteers to perform the advanced DNA methylation-based determination of their biological age. Moreover, the volunteers filled out further questionnaires on health and mental health.

Results of the study: Toxic people accelerate aging

Overall, the volunteers identified 8.1 percent of the overall number of people in their social networks as toxic “hasslers.” Overall, 28.8 percent of volunteers reported having one or more toxic people in the social network. 10 percent of volunteers had two or more toxic people in their social network. Women were more likely than men to have at least one toxic person in their social network. Moreover, people who felt like others depended on them a lot were more likely to have toxic people in their network.

The analysis showed that each toxic person led to a 1.5 percent faster ageing process. On average, the biological age of volunteers with toxic people in their social networks was 9 months higher than that of people of the same birth age without toxic friends or family members. Interestingly, toxic family members or toxic friends had stronger effects on ageing than toxic spouses. This may be the case because the positive effects of marriage, such as reduced loneliness, may buffer some of the negative effects of toxic social contacts. Last but not least, having a toxic person in the social network also affected multiple further biological parameters beyond biological ageing, such as inflammation levels.

Take-Away: Stay away from toxic people

The study clearly showed that toxic friends or family members have very real biological effects. They not only cause reduced mental well-being and frustration but also accelerate ageing and increase inflammation in the body. This suggests that for healthy ageing and general wellbeing, reducing contact with toxic people is highly important.

https://www.psychologytoday.com/us/blog/the-asymmetric-brain/202602/toxic-people-makes-us-age-faster

TOPLEY’S TOP 10 March 20, 2026

1. Rate Cut Expectations Back to 2013 Levels

Zerohedge-Rate-cut expectations for 2026 plunged (hawkishly) today (dropping with oil’s gains early and then extending after The Fed). 2026 rate-cut expectations are down from over 62bps to just 15bps today since the start of the war…

Zerohedge


2. 5 Year Break Even Rate Heads Back to 2022 Levels

Kevin Gordon

Google


3. Gold -16.4% from Highs

StockCharts


4. Silver -43% from Highs

StockCharts


5. Gold to Oil Ratio Hit Covid Levels

Perplexity

Macrotrends


6. Truflation Chart Moving the Wrong Way…..Goods Inflation Highest in 3 Years

Truflation


7. S&P 500 After Geopolitical Events-Irrelevant Investor

The Irrelevant Investor


8. Rivian Partners with UBER….Still -87% from Highs

Google


9. 33% of 18-29 Year Olds Say Being Extremely Rich is Morally Wrong

Pew Research Center


10. Growth in Select Average Housing Costs

America’s homeowners are getting swamped by insurance costs, HOA fees, and property taxes-Business Insider.

Business Insider

TOPLEY’S TOP 10 March 19, 2026

1. Bitcoin Holding 2024 Lows

Bitbo.io


2. MSFT Holding 2025 Lows and 200 Week Moving Average

StockCharts


3. Euro Currency Rolling Over Post Iran War—FXE Euro ETF

StockCharts


4. 422 Members of S&P were Negative Yesterday


5. Short Interest has Tripled in Oil Funds

The Kobeissi Letter


6. Annual CO2 Emissions

Our World in Data


7. Dubai Airport Flights Fall Off Cliff

Semafor


8. NYC Spends More Per Homeless Person than NYC Median Household

Charlie Smirkley

Perplexity


9. San Fran Housing—Bidding Wars $400k Over Asking and Rents Up +14%

WSJ Katherine Bindley  San Francisco’s housing market is experiencing a significant rebound, driven by the AI boom and municipal leadership changes.

SAN FRANCISCO—At a Pacific Heights open house in January, a line of people made their way up the steps of a two-bedroom, one-bath cooperative. There were 85 of them—steps, not people. Eight flights, no elevator.

The property received 14 offers and sold for over $1.62 million, more than $400,000 over the asking price.

While much of the U.S. housing market has been stuck in a rut, slowed by elevated mortgage rates and home prices near record highs, pockets of San Francisco are rebounding in a big way.

The AI boom, a new mayor and other changes in municipal leadership have helped to bring the city back, reversing a yearslong slump that was compounded by the ripple effects of the pandemic, crime and persistent struggles with homelessness.

Rents citywide were up 14% year over year in February, the fastest growth in the country, according to Apartment List. Mansions have been getting snapped up. An uptick in demand coupled with the city’s notorious lack of housing supply means that fierce bidding wars are breaking out again for single-family homes and condominiums in desirable neighborhoods.

https://www.wsj.com/economy/housing/san-francisco-housing-market-ai-8c4e3f59


10. Post 50-Actively Invest in Someone Else’s Growth

The Pump Club

TOPLEY’S TOP 10 March 18, 2026

1. Private Credit Defaults Hit 9.2%

Michael A. Gayed


2. Private Credit Books at Large Firms Bigger than Private Equity Side

Gain


3. Betting on 5 Minute and 15 Minute Moves in Crypto-Financial Times

Financial Times


4. Follow Up to Yesterday’s Under the S&P Hood Slide….40% of S&P Stocks -20% from Highs

Special Situations


5. XLF Financial Sector ETF –50day About to Cross Below 200day to Downside

StockCharts


6. Defense Company Valuations Post Trump II-Prof G

Prof G Markets


7. Small Cap Holding Above 200-Day


8. Gasoline Prices Still Below 2024 Highs

Wolf Street


9. Home Buyers vs. Sellers

Bilello


10. Natural Dopamine

Mark Hyman