UPDATED 2026 RECURRING BUY LIST

The End of "Easy Money"

 

Weekly Macro Outlook: The End of "Easy Money"

The market’s recent aggressive pivot away from high-growth stocks isn't just a fluke—it’s a warning shot. As we look at the shifting landscape, the "Free Money" era is officially hitting a wall.

The Warsh Factor

The nomination of Kevin Warsh as Fed Chairman is a regime-shift signal. Unlike his predecessors, Warsh is a known skeptic of Quantitative Easing (QE). His leadership likely signals:

• The death of the "Fed Put": No more liquidity injections at the first sign of a dip.

• Structural Headwinds: High-growth stocks, which thrive on low discount rates, will face significant valuation pressure.

• A "Higher for Longer" Reality: Without the crutch of QE, capital discipline becomes the new mandate.

The Great Rotation: RSP vs. SPY

This isn't a prediction—it's already happening. If you look at the performance since October, the Equal-Weighted S&P 500 (RSP) has been consistently outpacing the Market-Cap Weighted S&P 500 (SPY).

• October – January: The trend is clear; the market is broadening out.

• The Verdict: Value stocks and cyclicals are finally taking the driver's seat as the tech-heavy "Magnificent Seven" trade cools off.

Expect this trend to be the dominant theme for the remainder of the year. The era of "growth at any price" is over; the era of value has arrived.

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Stocks Recurring Buying List for 2026

 

One Home Per Person/Family

 

🏠 A Radical but Moral Idea: One Home Per Person/Family

Housing is one of humanity’s most basic needs — yet in modern economies, it has been turned into a speculative commodity. People buy multiple homes not to live in them, but to profit from those who cannot afford one. The result? Rising rents, inflated prices, and a growing divide between owners and renters.

It’s time to ask a fundamental question: Should anyone be allowed to own more than one home?

💡 The Core Idea

Imagine a world where every person or family can own exactly one home — their place of residence — and no private individual or corporation can own rental properties.
All rental housing would instead be owned and managed by the government, with rent paid directly to the public, not private landlords.

This system would eliminate housing as an investment vehicle and restore it to its rightful purpose — a human necessity, not a wealth generator.

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🌍 The Moral Foundation

This idea isn’t new. In the 18th and 19th centuries, great thinkers like Thomas Paine and Henry George argued that land — and by extension, housing — should not be a source of unearned income.

• Thomas Paine, in his 1797 pamphlet Agrarian Justice, proposed that land ownership is inherently communal. While individuals could possess land, society as a whole was the rightful owner of the Earth’s natural inheritance.

• Henry George, in his 1879 masterpiece Progress and Poverty, made a similar case: when landowners profit from rising land values, they are essentially benefiting from society’s progress — not their own labor. He called this “the unearned increment.”

Both thinkers believed that allowing a few to profit from the many through control of land was both economically wasteful and morally unjust.

Today, their vision feels more relevant than ever.

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🧩 How a “One Home Per Person” System Could Work

Let’s imagine what a fair, modern, and functional version of this policy might look like.

1. The Transition

• Step 1: The government purchases all privately-owned rental properties at fair market value.

• Step 2: Current landlords are compensated through long-term bonds to minimize financial shock.

• Step 3: Renters continue living where they are — but now pay rent directly to the government at affordable, standardized rates (e.g., capped at 25% of income).

2. Ownership Rules

• Each adult or household can own one primary residence — no vacation homes, no investment condos.

• If you wish to move, you sell your home back to the government or to a person who doesn’t yet own one.

• Inheritance laws are updated so that heirs can receive proceeds but not multiple properties.

3. Developers Still Build Homes

• Construction remains private and competitive, but developers sell only to owner-occupants or the government, not to investors or landlords.

• This keeps innovation and efficiency intact while ensuring housing supply remains aligned with real human needs.

4. Government as a Public Landlord

• Rent collected from public housing funds maintenance, new construction, and subsidies for low-income families.

• Digital systems manage housing allocation, maintenance requests, and pricing transparency — minimizing corruption and red tape.

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💰 Economic and Social Benefits

1. Housing Becomes Affordable Again
   Without investors bidding up prices, homes would return to near-construction value. First-time buyers could once again afford to live in their own communities.

2. Wealth Inequality Shrinks
   Real estate would no longer serve as a vehicle for passive income extraction. Wealth would flow from speculation back into productive labor and innovation.

3. Homelessness Declines
   With government-managed rental stock and a right to shelter, homelessness could become a rare exception rather than a social norm.

4. Social Stability Increases
   Families would have permanent, affordable homes — not fragile leases subject to rent hikes or eviction.

5. Stronger Local Economies
   Lower rent burdens free up disposable income for local spending, entrepreneurship, and savings.

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⚠️ Challenges and Safeguards

• Transition Costs: Buying out the private rental market would require trillions. Governments could phase this in over time using bonds and voluntary programs.

• Administrative Efficiency: A massive public housing system would need strong technology oversight, transparency, and accountability to avoid bureaucratic decay.

• Support for Small Landlords: Retirees or families dependent on rental income would need compensation or pension supplements.

• Enforcement: Strict ownership tracking would prevent black-market rentals or shell-company abuse.

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🧭 The Moral Imperative

We live in an age where one person can own 100 homes, while another can’t afford one.
Housing is not a luxury. It’s not a speculative token to be hoarded.
It’s the foundation of dignity, family, and community.

If we can’t ensure fair access to something as fundamental as shelter, what hope is there for broader equality?

Owning one home is a right. Owning more than one is a privilege society can no longer afford to grant.

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✊ Closing Thought

Thomas Paine once wrote:

“The earth, in its natural, uncultivated state, was…the common property of the human race.”

And Henry George reminded us:

“The ownership of land is the great fundamental fact which ultimately determines the social, the political, and consequently the intellectual and moral condition of a people.”

Perhaps it’s time we listened — and built a housing system not for profit, but for people.

October-November 2025 - 20 Picks for next 5 years

Picked 20 stocks this weekend for the next 5 years — stocks that, in my opinion, have the potential to deliver 100% returns or more over that period.

You can choose to invest either through a lump sum or by dollar-cost averaging — that’s completely up to you.

This is the fourth list after the ones I shared in July, August, and September. Some stocks may appear more than once because they remain undervalued or fairly valued, continuing to offer strong opportunities.

The goal behind sharing these lists is simple — every month, new investors enter the market and often feel hesitant about buying big names like Google, NVIDIA, Apple, Palantir, Robinhood, etc., because of their high valuations. These lists aim to highlight lesser-known, reasonably valued stocks that could become tomorrow’s winners.

Of course, not every pick will work out, but the winners should more than make up for the ones that don’t — that’s the goal.

Remember, the stock market always offers great opportunities if you’re willing to look for the hidden gems.

Good luck — and below are the links to all four lists.

July Picks: 

https://viralpatel15.blogspot.com/2025/07/20-picks-for-next-5-years.html

August Picks: 

https://viralpatel15.blogspot.com/2025/08/next-5-year-picks-august-2025.html

September Picks: 

https://viralpatel15.blogspot.com/2025/09/sep-2025-next-5-year-picks.html

October-November Picks:

https://viralpatel15.blogspot.com/2025/11/october-november-2025-20-picks-for-next.html

How My Manager’s 2009 Bet on Bank of America Turned Into a Fortune

I still remember this vividly. It was February 2009 — the peak of financial chaos. Markets were crashing, fear was everywhere, and even solid companies looked like they might not make it.

That morning, I casually mentioned something about the market to my manager. Without much hesitation, he said, “Yeah, maybe I’ll buy something.” Since he was from North Carolina, his instinctive choice was his hometown bank — Bank of America.

He went ahead and bought around 10,000 shares, at about $2.76 or $2.88 each (I can’t recall the exact number). At the time, the stock had fallen from over $30 to just a couple of dollars — it looked like a falling knife. But he wasn’t overthinking it. Just conviction, timing, and a little bit of courage.

A few weeks later, I checked the chart and saw the stock had dipped as low as $2.53 — so he really was buying near the bottom. Fast-forward to today: those same 10,000 shares are worth over half a million dollars. And if he kept holding and reinvested dividends along the way, the total value could easily be $700,000–$1,000,000.

All from a $28,000 decision made during one of the scariest moments in market history.

That’s the quiet power of time and compounding.

You don’t need a miracle stock or inside knowledge. Even a decent company that pays a 3% dividend and grows by just 5% per year can transform over a lifetime. Here’s the math: after about 47 years, the dividends alone will have paid back your original investment — and you’ll still own the stock, which by then has multiplied several times in value.

It’s a beautiful reminder that the real secret to wealth isn’t timing the market — it’s time in the market.

Patience. Quality. Reinvestment.

Those three simple things can quietly turn a $28,000 idea into a fortune.

COMPOUNDING

 COMPOUNDING:

💡 The Double Penny Example

• If I give you $1,00,000 today, and your friend gets just 1 penny that doubles every day… who’s richer after 30 days?

• At first, the $1,00,000 looks way better. After 10 days, your friend only has $5.12.

• After 20 days, it’s $5,243 — okay, now it’s catching up.

• But by day 30, that penny has grown into over $5 million!

That’s the magic of compounding — it looks boring and slow at first, then it suddenly explodes.

Doubling Penny Growth

• Day 1 → $0.01

• Day 2 → $0.02

• Day 3 → $0.04

• Day 4 → $0.08

• Day 5 → $0.16

• Day 6 → $0.32

• Day 7 → $0.64

• Day 8 → $1.28

• Day 9 → $2.56

• Day 10 → $5.12

• Day 11 → $10.24

• Day 12 → $20.48

• Day 13 → $40.96

• Day 14 → $81.92

• Day 15 → $163.84

• Day 16 → $327.68

• Day 17 → $655.36

• Day 18 → $1,310.72

• Day 19 → $2,621.44

• Day 20 → $5,242.88

• Day 21 → $10,485.76

• Day 22 → $20,971.52

• Day 23 → $41,943.04

• Day 24 → $83,886.08

• Day 25 → $167,772.16

• Day 26 → $335,544.32

• Day 27 → $671,088.64

• Day 28 → $1,342,177.28

• Day 29 → $2,684,354.56

• Day 30 → $5,368,709.12