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1 Inflation in June Was Lower Than Anticipated. Could That Support a New Crypto Bull Market?
According to Consumer Price Index (CPI) data published in mid-July, inflation in June fell 0.4% for the month and was 3.5% annualized, the largest monthly decline since April 2020. For $Bitcoin(BTC.USD.CC)$ holders down 49% from October 2025's all-time high, that readout was a breath of fresh air.
One print isn't going to kick off a new crypto bull market on its own. But it's still a step forward in fulfilling some of the preconditions for one, so let's take a closer look at how this might affect the market.
The mechanics of a market turn
Every recent crypto bull market has happened when central banks, especially the Federal Reserve, were adding liquidity to the financial system or credibly promising to do so in the near future. Because of that, inflation may be acting as a gatekeeper for the next bull market, because the Fed won't cut rates while it's nowhere close to meeting its 2% inflation target on the basis of its own data.
So, at best, June's data is a signal that inflation may be moving in the right direction.
Core CPI, a measure that excludes major spending categories like food and energy, was 2.6% annualized and flat month over month, indicating a real improvement. But the U.S.-Iran ceasefire that pulled gasoline prices down last month has since fallen apart, and July's report will probably reverse the relief.
For anyone thinking about whether now is the right moment to accumulate more, know that Fed Chair Kevin Warsh will want several clean months before making any decisions about the interest rate.
Which coins could lead the next bull market?
Bitcoin's bear market is about eight months old.
The 2018 and 2022 downturns ran close to a year, which is typical. Per most interpretations of the coin's four-year cycle, there could be a bottom around October or November this year.
So a leg up for Bitcoin in the fall or early winter would put the next bull market on schedule. As new cycles start, expect to see old patterns repeat.
Bitcoin will lead the market because it soaks up the most liquidity, exchange-traded fund (ETF) flows, and institutional interest. Ethereum and Solana tend to follow within weeks; their leading smart contract ecosystems draw the next tranche of institutional attention.
Altcoins rally later, if at all, so they belong further down in a long-term crypto allocation, and it's questionable whether they're worth buying at all.
In short, the smartest move here is to remain patient.
Build up your holdings of Bitcoin, keep some dry powder to buy any last bear market dips that may present themselves in the coming months, and watch how inflation is trending. If it looks like rate cuts are coming within a quarter, the bull market won't wait for them before it starts to run.
2 Peter Schiff called the 2008 housing market crash — now he warns a 'housing emergency' is coming. Are you ready?
Economist Peter Schiff made his name by predicting the 2008 housing crash. Now he's ringing the bell for another potential crisis in America's housing market — and it could see a wave of homeowners mailing back their keys.
"Why are housing prices so high?" Schiff asked in a YouTube Short last September (1). "Because for a long time, the Fed kept interest rates at zero, and so a lot of people were able to get really low mortgages, 3% mortgages, 4% mortgages."
He went on to explain why this is such a problem.
"And because homes are bought — not based on what the home cost — but based on the monthly payment, the lower the monthly payment, the more somebody could pay for a house. Now you have a problem where housing prices went way up, but then mortgage rates went way up, and home prices never came back down to levels consistent with more expensive mortgages."
Schiff believes prices will "eventually" fall to match today's higher rates — a painful adjustment that, he warns, could trigger "a housing emergency."
"It's going to create a bunch of defaults and a lot of people are going to walk away and mail in their keys because they can't sell their houses for more than they owe," he said.
So, are Schiff's predictions really about to come true?
Here's a closer look at what he's saying — and how you can protect yourself against any potential market shocks.
Schiff's housing predictions
Schiff is right about one thing: Mortgage rates have indeed surged. The average rate on a 30-year fixed mortgage has climbed from a low of 2.65% in January 2021 to a peak of 7.79% in October 2023, before falling to about 6.55% as of July 2026 (2).
Normally, higher borrowing costs can cool down the market, but prices remain stubbornly high, with the median price of a new home above $405,300 (3).
According to Schiff, these conditions could cause a cascade of defaults if house prices adjust suddenly and owners are left owing more than their homes are worth. It could even trigger another housing crash like the one in 2008, when many underwater homeowners simply mailed their keys to the lender and walked away.
But today's market is also different. Lending standards are tighter than during the subprime mortgage era, making widespread negative equity less common. Supply constraints are also a factor: Realtor.com estimates that the deficit in housing widened from an estimated 3.8 million homes in 2024 to 4.03 million in 2025 (4).
Either way, other real estate gurus are still warning potential homebuyers to stay away in this tough market. In an interview posted on his social media in March 2026, billionaire Grant Cardone said, "Homes, going forward over the next 30 years, will prove to be an even worse investment than the last 30 years (5)."
"My advice to all young people: Never buy a home until you're super wealthy."
How to invest in real estate today
While Cardone doesn't advocate buying a single home as an investment, he is a titan of real estate: He claims to own $4 billion in real estate assets, including several apartment and office complexes in Florida, where he is primarily based (6).
However, buying up apartments is not available to everyone — but there still are ways to tap into the income-generating engine that is real estate without becoming a landlord.
This is where platforms like mogul come in. They offer fractional ownership in blue-chip rental properties, which gives investors monthly rental income, real-time appreciation and tax benefits — without the need for a hefty down payment or late-night tenant calls.
Founded by former Goldman Sachs real estate investors, the mogul team handpicks the top 1% of single-family rental homes nationwide for you. Simply put, you can invest in institutional quality offerings for a fraction of the usual cost. No midnight maintenance calls. No burst pipes, No angry tenants.
Each property also undergoes a vetting process, requiring a minimum 12% return even in downside scenarios. Across the board, the platform features an average annual IRR of 18.8%. Their cash-on-cash yields, meanwhile, average between 10% to 12% annually. Offerings often sell out in under three hours, with investments typically ranging between $15,000 and $40,000 per property.
Getting started is a quick and easy process. You can sign up for an account and then browse available properties. Once verified, it takes only a few clicks to invest.
'A cascading effect'
Like Cardone, Schiff is cautious about owning a single-family house. He argues that many homeowners are staying put only because they are locked in ultra-low mortgage rates, which are now limiting the number of homes for sale.
"But at some point, there are people that have to sell their houses for whatever reason and if they have to slash the prices to do it, they may not have enough money to repay the mortgages. And so this could have a cascading effect," he warned.
According to July 2026 report from the National Association of Realtors (NAR), pending home sales were down 2.4% month-to-month, but up 2.8% year-over-year (7). Despite some positive sales volume the NAR warned that median home prices were at an all-time high. The report added that the only reason sales were up was a result of wages outpacing home price growth — not a softening market.
So, if you haven't recently received a wage increase, this might not mean much for you home buying aspirations.
Moreover, there are hundreds of thousands of American households underwater on their mortgages. In their February 2026 First Look, Intercontinental Exchange reported that 878,000 households were either in a state of "severe" delinquency, meaning that they were 90 days or more behind on payments, or in foreclosure as of the end of January 2026 (8).
Earn rental income without buying a house
While Schiff is wary of the U.S. homeownership market, he has acknowledged one persistent trend: "Rents go up every year," he noted on his show (9).
America's housing affordability crisis is, in part, a reflection of broader cost-of-living pressures — and it underscores how real estate can serve as a hedge. As inflation drives up the cost of materials, labor and land, home values tend to rise as well. Rental income often follows suit, giving landlords a stream of cash flow that adjusts with inflation.
In fact, investing legend Warren Buffett has pointed to real estate as a prime example of a productive, income-generating asset. In 2022, Buffett remarked that if you offered him "1% of all the apartment houses in the country" for $25 billion, he would "write you a check (10)."
Tapping into real estate — without a mortgage
Of course, you don't need billions of dollars — or even a mortgage for buying a house outright — to benefit from real estate investing. Real estate platforms like Arrived offer an easier way to get exposure to this income-generating asset class without taking on a hefty mortgage.
Backed by world-class investors, including Jeff Bezos, Arrived allows you to invest in shares of rental properties, earning a passive income stream without the extra work that comes with being a landlord of your own rental property.
To get started, simply browse through their selection of vetted properties, each picked for their potential appreciation and income generation. Once you choose a property, you can start investing with as little as $100, earning any monthly dividends.
And the best part? For a limited time, when you open an account and add $1,000 or more, Arrived will credit your account with a 1% match.
Invest alongside an institutional partner
Another option for real estate investors is investing in multifamily properties. However, finding and sourcing these properties yourself can be cumbersome, capital-intensive and full of headaches.
But there are plenty of real estate investment opportunities out there, so long as you know where to look. Plenty of opportunities are marketed to accredited investors, but not all opportunities are created equal.
In fact, a 2025 report published by JPMorgan Chase quoted Vice Chair of Commercial Banking Al Brooks as saying, "I think multifamily housing is absolutely where you want to be as an investor (12)."
For accredited investors looking to diversify beyond public equities, Bonaventure offers access to institutional-grade multifamily real estate investments in high-growth markets with a minimum investment of $25,000.
Bonaventure focuses on income-producing apartment communities, offering potential tax advantages through structures like 1031 exchanges and UPREITs, allowing you to build passive income and wealth while the company manages the properties.
Plus, Bonaventure has a fully-loaded resource center that teaches you everything you need to evaluate multifamily investments. Sign up today, explore your options and construct your real estate portfolio.
3 Occidental Petroleum Cut Its Capital Spending by 8% for 2026. Should the Oil Giant Rethink Its Plans with Crude Prices Now Up 30%?
Everyone deals with some form of temptation. Even companies with energy and mining outfits are prime examples, so with oil prices high today, mostly due to the war in Iran, it's a good time to discuss corporate temptation as it relates to energy stocks, including $Occidental(OXY)$
When it reported first-quarter results in May, Occidental told investors it expects capital spending to decline by $550 million this year compared with 2025, targeting total spending of $5.5 billion to $5.9 billion. But with oil prices alluringly high, it may appear that Occidental and other oil companies may be incentivized to boost output.
Consider high oil prices as a form of temptation. Producers see those elevated prices and the knee-jerk response may be a rush to capitalize, but that's not always the smart play. Sometimes, erring on the side of caution is the better course of action. Let's get into why Occidental should not rush to accelerate production simply because crude prices are high.
Avoiding oil's Garden of Eden
With oil prices up over 30% so far this year at this writing, it may be tempting for producers to rush to increase output, but the smart companies know that as quickly as the oil market gives, it can take away. For example, oil prices dipped dramatically in the last month before spiking again.
The point is that Occidental and its peers may decide to boost output today, but by the time they bring a significant new product to market, prices could be significantly lower than what they were banking on. That's one of the risks investors must account for when investing in oil stocks.
Speaking of volatility, that's an apt way of describing the current state of affairs between the U.S. and Iran. The aforementioned tumble in crude prices came in large part due to the two sides hammering out details of a peace accord, but last week, President Donald Trump said the deal is "over," and prices moved up again.
Looked at differently, there's no denying the war in Iran is affecting oil prices. However, there's also no getting around the fact that geopolitical situations can turn on a dime, potentially punishing any oil company that rushes to lift production.
No need to burn goodwill
Shares of Occidental are up 30% year to date, and that gain isn't just about Iran. There are company-specific factors at play. For example, the $9.5 billion sale of the OxyChem business to Berkshire Hathaway wrapped up in January, paving the way for the company to prepay $6.7 billion in debt and eliminate $550 million in annual interest expenses. That implies some investors are giving Occidental credit for its balance sheet-firming efforts.
It'd be prudent for the company not to burn that goodwill, as the stock remains undervalued relative to peers, perhaps signaling that the broader investment community is overlooking the improving balance sheet health and strong asset quality. Getting investors to see those lights could be challenging if Occidental suddenly increases production.
It doesn't need to. If Evercore ISI is right, Occidental is on a path to grow free cash flow by 8% annually through 2030, with WTI prices at $75 per barrel, and possibly restart share repurchases in two years. Best of all, those outlooks aren't based on output moving materially higher in the near term.
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