Our economy struggling with uncertainties, housing issues, foreclosures, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.
With the US dollar losing value to inflation and other currencies gaining traction, uncertainty looms. Yet, many still trust in the Dollar's perceived safety. Worried about my $420,000 retirement savings losing value, I seek alternative security for my money.
With my demanding job, I lack time for investment analysis. For seven years, a fiduciary has managed my portfolio, adapting to market conditions, enabling successful navigation and informed decisions. Consider a similar approach.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation
another bank collapse, another bailout, another financial crisis looming., with uncertain times, a volatile market, and banks gradually failing, I'm aiming for a retirement fund of around $2M and have a solid six-figure amount ready. Are there any opportunities left for someone like me, a boomer, to make this work?
Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
Some people underestimate the value of professional advice until they make costly mistakes. A few summers ago, after a long divorce, I needed a major push to keep my business afloat. I sought out licensed advisors and found someone highly qualified. Thanks to her guidance, my reserve has grown from $175k to $450k, despite inflation.
Melissa Terri Swayne is the coach that guides me, you probably might have come across her before I found her through a Newsweek report. She's quite known in her field, look her up.
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
Stacy Lynn Staples is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Really, banks require more regulation. The entire idea of banking as "let's gamble" is terrifying. Because they discovered in 2008 that the government will always bail them out, there are no repercussions. These bank crisis are so worrisome. This whole financial crisis and the Great Recession posed the most significant macroeconomic challenges for the United States in a half-century, leaving behind high unemployment and below-target inflation and calling for highly accommodative monetary policies. And this is only the beginning!
Since 2020, the banks have been over-leveraging their assets, which was one of the reasons for SVB's implosion. I have never been okay with keeping much money in the bank. I simply focus on diversified investments through a financial advisor, collect my profits, which I either spend or repeat the process. Never been this comfortable with my finances.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
@@joshbarney114 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
The bank crisis isn't over yet, and experienced individuals know credit crises don't end quickly. Some find it amusing that some think it's resolved, but in reality, we're headed for a major economic downturn due to this credit contraction.
After the '08 financial crisis, I've learned not to trust corporations. Since 2020, I've been investing with a financial advisor and have had no major losses, so I'm not going back to relying solely on banks.
Sadly, banks continue to stumble, mortgage rates is on the rise with higher imports and lower exports, yet the FED is to lessen cost. So, where do we grow and safeguard our money now? something will eventually break if they keep raising interests and quantitative tightening.
Well agreed, I'm quite lucky exposed to finance at early age, started job at 19, purchased first home at 28, got married shortly afterwards to raise kids early. Going forward, got laid-off at 40 amid covid '19 outbreak, immediately consulted with an advisor in order to stay afloat and after subsequent investments, I'm barely 25% short of $2m ballpark goal as of today.
"Izella Annette Anderson" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
This is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
Big government spending on sweetners and unicorns = higher taxes = higher inflation = government subsides to quell inflation, The rising interest rate can surely control inflation, but won't prevent erosion of the eroding purchasing power of the US dollar. I have learnt my lesson this time. The banks can't be making money off my money, while inflation eats into it. I have set aside 650k to invest in the stock market now, since that keeps up with inflation, but I don't know how to get started.
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Bank failures are likely to continue increasing due to rising interest rates, as it causes their commercial paper and treasuries to become devalued. To prevent a severe economic downturn, it is necessary to implement a freeze on interest rates. Simultaneously, the White House should support the industry in boosting gas and oil production to lower fuel prices. The anti-oil stance only contributes to higher energy costs, leading to inflation throughout the economy. By reducing interest rates, tightening the money supply, cutting government expenditures, and increasing the availability of affordable fuel, inflation will decrease, and the economy will thrive. Unfortunately, various conflicting agendas make it unlikely for all these measures to be implemented, resulting in a recession and persistent inflation.
In light of the ongoing global economic crisis, it is crucial for everyone to prioritize investing in diverse sources of income that are not reliant on the government. This includes exploring opportunities in stocks, gold, silver, and digital currencies. Despite the challenging economic situation, it remains a favorable time to consider these investments.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
People often overlook the value of financial advisors until they experience the downside of emotional decision-making. I recall a few summers ago, after a difficult divorce, when I needed help reviving my struggling business. I did some research and found a licensed advisor who worked diligently to grow my reserves, even amid inflation. As a result, my reserves grew from $315k to around $740k.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sophia Maurine Lanting” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
It's quite simple why rates are climbing with rising imports and falling exports, the FED is obviously to be blamed for banking crisis. Something will eventually break if they keep the quantitative tightening and higher interest rates. Is this really a good time to have some savings in stocks?
first austerity, then brexit, now widespread bank failures. .always do your own research & speak to a license advisor before thinking about putting your money into these crazy markets
Agreed, my portfolio is well-matched for every market season yielding 85% from early last year to date. I and my CFP are working on a 7 figure ballpark goal, tho this could take another year. IMO, financial advisors are the most sought-after professionals after doctors.
The banking sector urgently requires more stringent regulation. The prevailing culture of reckless risk-taking, tantamount to gambling, is deeply troubling. The 2008 crisis illustrated that banks operate under the assumption of government guarantees, rendering them immune to consequences. This moral hazard is distressing. The subsequent financial crisis and Great Recession posed unprecedented macroeconomic challenges in the US, yielding high unemployment, subdued inflation, and necessitating extraordinary monetary policy measures. Furthermore, this may merely be the precursor to more severe challenges.
Following the onset of 2021, banks have engaged in excessive asset leveraging, a primary contributor to the demise of SVB. I've long been wary of maintaining substantial deposits in banks. My preference lies in diversified investments, expertly managed by a financial advisor, yielding profits that I either utilize or reinvest. This strategy has afforded me unparalleled financial peace of mind and stability.
Having been exposed to finance from an early age, I've been blessed with a strong foundation. I began my career at 19, became a homeowner at 28, and started a family soon after. Although I faced a setback with a layoff at 40 during the COVID-19 pandemic, I promptly consulted a financial advisor and made savvy investments. I'm now within striking distance of my $2 million goal, just 25% shy of achieving it.
"Rebecca Noblett Roberts" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for sharing.This is useful information. I copied her whole name and pasted it into my browser, her website appeared immediately and her qualifications are excellent.
A perfect storm is brewing in the United States. Inflation, bank collapse, severe drought in the agricultural belt, recession, food shortages, diesel fuel and heating oil shortages, baby formula shortages, available automobile shortages and prices, the price of living place. It's all coming together and it could lead to a real disaster towards the end of this year (or sooner). With inflation currently at about 6%, my primary concern is how to maximize my savings/retirement fund of about $300k which has been sitting duck since forever with zero to no gains.
These are the conditions in which life-changing money is made by those who remain calm, patient, and take controlled risks. Volatility goes both ways. The bigger the red candles, the bigger the green ones.
Investing in stocks can be a wise decision, especially if you have a dependable trading system that can lead to successful outcomes. Personally, I've been working with a financial advisor for about a year now. Starting with less than $200K and I'm now just $19,000 away from making half a million in profit.
This is definitely considerable! think you could suggest any professional/advlsors i can get on the phone with? i'm in dire need of proper portfollo allocation
One red flag is when banks start to cut their risk management units during end of cycle. Thats like firing your fire fighters just before a forest fire.
And..the real estate market slows down. Despite all tthe housing INVENTORY, less buyers are in the market and or not getting approved without 35-45% down payments. Those lending paramaters TAKE a lot of buyers out of the market. Lending guidelines are FAR MORE RISK AVERSE, in their lending matrix.
First SVB, then signature bank and now first republic bank, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
banking failures due to the FED forcing settlement from T-2 to T-0. They are deliberately doing this so that JP morgan and the big banks will consume all the small banks. It's designed by purpose and i know that for a fact, hmmm
banking failures due to the FED forcing settlement from T-2 to T-0. They are deliberately doing this so that JP morgan and the big banks will consume all the small banks. It's designed by purpose.
Given the current market situation and the precarious state of the economy, I would recommend refraining from investing in stocks for a while or, alternatively, seeking guidance from a financial advisor. However, keeping a portion of your wealth in gold remains a wise choice.
I consider gold investment to be dependable and intend to increase my holdings to recoup losses. While silver is also a promising investment, it differs from my collectibles. Having clear investment goals and acquiring knowledge in the field are essential. I collaborate with Laurel Dell Sroufe, a financial consultant regulated by the SEC. Through modest initial investments, I have gradually accumulated nearly $799k over time.
One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $200k of my savings in stocks this year, and I hope I make profits.
You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
Upon the initiation of interest rate increases by the Federal Reserve in 2022, in response to the 2021-2022 inflationary period, bond prices experienced a decline. This reduction in bond values negatively impacted the market value of bank capital reserves, leading certain financial institutions to record unrealized losses. In order to preserve liquidity, Silicon Valley Bank opted to sell its bonds, thereby realizing significant losses. "This raises the point: What measures can be taken to ensure financial security during economic volatility?
Given the current market volatility, I recommend consulting with a financia1 advissor. They can offer valuable insights and guidance, including strategic entry and exit points for the specific shares and ETFs you're interested in.
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. hence I will suggest you get yourself a financial-Advisor that can provide you with entry and exit points on best stocks to buy now or put on a watchlist. Apple, Merck, General Dynamics, Cheniere Energy and Marriott International are prime candidates.
"It's a good idea to team up with a financial advisor to help you mix up your investments. They can guide you to include commodities, bonds that adjust with inflation, and sto0cks from companies with strong cash flows. This is instead of focusing on 'growth stoocks' where the value is based on future earnings that might not materialize.""
"Indeed, I strategically diversified my $400K portfo1io across various markets, with the assistance of a financial advisor. This approach has yielded a net profit of over $900K stemming from high-dividend stocks, ETFs, and bonds, within a few months."
very true, I started investing before the pandemic and that same year I pulled a profit of about $600k with no prior investing experience, basically all I was doing was seeking guidance from a financial-advisorr, you can be passively involved with the aid of a professional.
There seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to invest $150,000 into my stock portfolio. I'm seeking advice on the best strategy to capitalize on this current market.
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "the bank and the consumer" instead of "the investors?" They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
@@guilhermesavoya2366when they do nationalize you will whine about monopoly. And the bail out was a loan which was paid back with interest. Sound policies are what keep these organizations in check not "nationalization" or whatever socialist mambo jumbo. Because at the end of the day, the government can't nationalize all banks. Blame the orange clown who rolled back Obama Era policies that resolved all these issues.
Consumer Debt at $17 trillion, does not actually help the GDP. But the GAO seems to assume some miracle will make the US Currency survive? They count all purchase, even Credit Card ones.
I saw someone call this 5 years ago. The community banks give loans to small business in the community. JP Morgan and the big banks only care and give loans to mega corporations. The failing of community banks is a consolidation of power and bad for the country and everyday person
If you've ever wanted to know what a massive debt bubble looks like, this is it. So many things are about to break simply from a return to historically normal interest rates. In a healthy economy where everyone can actually afford what they're buying, 5.5% interest shouldn't break you. The reality is, consumers and institutions are stretched to their limit and went on an excessive debt binge after years of net negative interest rates. In the first quarter of this year, we saw GDP growth decline while inflation was still on the rise despite this and household incomes not changing significantly. Meanwhile consumer debt and credit card balances have exploded so far this year. This almost certainly means price increases and what little economic growth we have (1.6%) are being fueled by debt, which is completely unsustainable and an ominous sign for the economy.
And the biggest bubble of them all - $35T in public debt. The federal reserve can’t even raise rates like Volcker because the country simply can’t afford it. US Government needs to curb their deficit spending and raise taxes, it’s about time.
This dude came to the same conclusion I did and the response is that people should move out of their parents house lol... We are in a debt economy with start up companies selling away their businesses to venture capitalist and then they come in and run the entire business to the ground not generating any profit, pretty much sustaining themselves off of investors. A lot of BLOAT that do not generate any income in the workforce like ESG/DEI, government too slow to keep up with economics regulations in the modern rapid tech advances.
It was a very bad decision to remove the Glass-Steagall Act in the late 1990s, which led to the spectacular failure of huge banks during the financial crisis of 2007-2008. To prevent another disaster, Dodd-Frank and this statute both need to be reestablished right away. What happened with these banks is only the beginning of what will happen if nothing is done to address the current situation.
In my opinion, some of the banks was attempting to restructure their bond portfolio, which involved selling their low-yielding bonds despite the potential loss, and compensating for it by buying higher-interest-rate bonds on the open market.
Despite the economy's resilience thus far, the banks scenario cautions that the effects of Federal Reserve rate hikes persist. During such periods, investors must remain alert to anticipate what comes next. It is not necessary to act on every prediction, so I recommend seeking the guidance of a financial advisor, which has been my go-to advice for some time now.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Since Biden took office, there seem to have been more unfavorable results in America. I am really worried about the current bank crisis/interest rates, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
It’s always a good option to keep some gold. Well with the current market situation and everything at stake with the present economy, I’d say you’re better off staying away from stocks fr awhile or better still reach out to an adviser for guidance.
True, a lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $175k to approx. $350k so far.
Annette Marie Holt is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
@@hasede-lg9hj Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
By understanding how cash and banks work, it becomes clearer why they must ultimately fail. Ever heard the saying cash is thrash? Just hold your money in more stable and lucrative ways and save yourself the eventual stress and heartbreak.
Sorry to jump in, but there are a lot; gold, stocks, stable businesses etc. I know this cos personally I made my first million late last year from stocks and bonds which I have used to set up and put into other things. The only downside is that you could also lose your funds which is easily remedied by using an FA(who are way cheaper than most people think) or making very thorough inquiries. Good luck.
hi, I have actually thought about this but the risks have always put me off. please, what are the steps for getting an adviser?? like a really good one
You should start by looking out for those from known firms and good track records. You should also make sure the person is licensed. Personally, I use Kelly Matwick. She's good and you could also look her up.
@@swaggerythat is every single bank in US, because the government will bail them out, they know that, so there is no risk of losing everything, no consequences of bad behavior.
For years banks have been paying less than a percent on the assets of depositors. They were raking it in. Now they are forced to pay higher rates and may go under, risking our assets. This is what happens when banks are deregulated. One just can’t trust businesses to do the right thing.
But but capitalism! It’s going to take us longer than we’d like to learn our lessons and we may never learn them because there’s a lot of power and money stopping it.
@@willw7743 Nothing can save an intrinsically corrupt banking system from collapse, but they will try to make it look solvent by absorbing all your money and issuing you more debt and a chip to access it. Only solution is to End the Fed, return to sound money and become your own banker. Its the only way to be sure.
It's already happening i am really worried about the current bank crisis/interest rates, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
Keeping some gold is a good idea, especially with the election approaching. Given the current market, it's better to avoid stocks for a while or consult an adviser for guidance.
True, a lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $75k to approx. $150k so far.
I work with "Monica Shawn Marti" and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.
Massive credit union near me, just got approved for a merger with another huge credit union, and expanding heavily while the bank I work for seems relatively stuck in place, or at least expanding slower.
Not bailing out these banks will lead to an economic depression, but that’s what the world needs otherwise nothing will change. Banks will just take more risks and consolidate further.
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "the bank and the consumer" instead of "the investors?" They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
@@isaiahX7 The alternative is the destruction of the currency and ultimately the country. As bad as great depression II is, the alternative is far far worse. This is something that a decade ago we thought would be for someone 20-30 years in the future to worry about. Well, we're about to be forced to confront reality a lot sooner than anyone expected.
They wouldn’t because it’d cause a bank run. If you saw a bank on a list that you work with has a chance of collapsing, would you keep your money there? Nope.
Several of the biggest market experts have been voicing their opinions on exactly how awful they think the next downturn would be, and how far equities may have to go, as recession draws closer and inflation continues well above the Fed's 2% objective. I'm trying to build a portfolio of at least $850k by the time I'm 60, therefore I need suggestions on what investments to make.
you are right. it's been a brisk tailwind for lnvestors in US stocks over the decades but it is a delicate season now, so I advise you to consider the guidance of a financiaI advisor
t's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
What happened to SVB is really scary, and goes to show that no corporation, however big, is immune to collapse. I have always had a deep-seated mistrust for corporations. I have plans to pull out most of my money, but don't know what to do with $350k sitting idly.
Having an FA is the best way to go. Based on a direct encounter with a CFP named Julia Hope Marble I can say with certainty that their skills are excellent. She helped raise over 580,000 in 18 months from an initially stagnant portfolio of 150,000
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Avert too-good-to-be-true con tricks. Consult a fiduciary counselor; these professionals are among the best in the business and offer individualized guidance to clients based on their risk tolerance. There are undesirable ones, but some with a solid track record can be excellent.
The problem is banks are allowed to report earnings with mark to market which makes banks appear more solvent than in reality. Also first republic bank even with JPMC cash infusion still failed.
If banks are trying to use mark to market rules. Bringing 40% to table at loan closing should signal to consumer the homes are highly inflated. The caveat emptor should be hold off on loan. But. What's the answer to rent higher than mortgage payment as foreclosed homes are now rentals for the very corporations taxpayers bailed out.
Been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, heard some guy speaking of making over a million dollars from a $300k capital and I'm driven to ask what skillset and strategy can generate such profit??
Avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
Most people minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
How can one confirm a licensed advisor;,? I buy the idea of employing the services of one because finding that balance between saving and living comfortably requires maximum discipline. My goal is retiring or working less than 5 years from now. Pls, how do i get a hold of one?
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
She appears to be well-educated and well-read. I ran an onlline search on her name and came across her webslte; thank you for sharing. I sccheduled a caII.
I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks or Crypto will be appreciated
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
we are repeating the exact history during the early 1900's which saw repeated bank failures until Glass-Steagall was enacted in 1932 and there were almost no bank failures for ~70 years until they got rid of Glass-Stegall in 1999 and then all the banks started failing again and within 10 years the great financial crisis. Dodd-Frank was worthless. This will continue until Glass-Steagall is brought back.... but a slower economy might be the result.
The FED bails out banks, so there's no real risk to anyone. At least at the bigger banks. They can take all the high risk/high reward investments and YOLO it knowing big daddy government will bail them out....again
I don't buy this. I've heard the opposite, to find smaller community banks, which have more strict lending policies vs the national banks that lend to anyone. To Mr. Powell, of course the big banks won't fail because they'll just get ANOTHER bailout.
This is based on a Klaros report which screened regulatory filings of banks and found just under 300 institutions whose CRE concentrations exceed 300% of capital. This is a very real concern
12 years ago, I remember seeing some old dude calling it out on tv. That western economy has its ups and downs, that's normal. But when you should start getting scared as it starts to doing it to often and to fast in a short period of time . Like towing car that start to rock before you know it you crashed.
Well, the banking system has learned like a child that if they fail, daddy will just save them. Hopefully daddy doesn't put himself at risk to save his kids.
@@michaelm.3641 there's actually no problem. Money is neutral and smart money always looks twice before parking any amount of money above the FDIC limit. Dumb money or OPM like at Silicon Valley bank is the exception. Let the markets sort it out, as Andrew Mellon wisely said in the 1930s.
It's just a matter of time. It all will come down burning. The real issue is that people are broke, stagnant wages. Americans maxed out when it comes to borrowing and spending money they don't have...
Let it come down, we need to kick out this corrupt debt as money private Federal Reserve and return to sound money. People don't realize how much better it would be. US has been bankrupt at least since 1933!
I hear you, things can feel pretty overwhelming, especially when it comes to financial struggles. It's tough when people are dealing with stagnant wages and financial stress. Remember, you're not alone in feeling this way. Stay strong, my friend. 💪
What I feel many of these comments and this video fail to mention is how community banks are massive parts of their communities. They are trusted face for a home loan, a kind teller who asks about your family as they deposit your paycheck, the sponsor of your child’s sports team, and so many other things to the places they call home. To lose them, would just be giving business to larger and faceless banks that have no stake in you or where you live.
Why do people who don't know how to do banking deserve to do banking? There are other people in the community who could do it. Who actually deserve to be trusted. It isn't either-or. We don't actually have to choose between a bunch of incompetent local bankers and a bunch of faceless international bankers.
none. real estate is the gigantic part of the economy. The entire economy system is almost base on it. I mean shyt most people spend over half of their salary to rent an apartment or mortgage. That's why you see US economy almost crashed in 2008. This time it is even more scary.
Crash! Crash! Recession! Inflation! It’s getting depressing. I have about $100k in emergency fund and I have been seeing good news about the stock market and would like to gain from that since I can’t let my savings be corroded by inflation. What stocks should I into as a newbie to safely grow my money.
Let's face it... buying more stocks & index funds during stock market corrections and bear markets is scary. Which makes it really hard to do for most people like me. I have 260k I want to transfer into an s&p but its hard to bite the bullet and do it.
Its best if you buy growth/blue-chip/large caps stocks only. Also, as a newbie its advisable you work with an investment advisor to help set up a well-structured portfolio.
I found her page by searching for her entire name online. After that, I emailed her and we set up a meeting so we could talk; I'm currently waiting on her response.
As long as #TDBank💰 stock price is up you don't have to worry🎉... according to my grandfather's financial teaching; if you have an account with #TDBank💰 is not enough, you have to help the bank buy back its shares😀... He inherited nothing from his father;🎬 despite my great grandfather had more money than Donald Trump and his entourage💩... My grandfather's old brother inherited and wasted it all😔... Only if they followed the teaching of saving and investing... 🌎💘💰
The reason there are fewer mergers is because if a healthier bank merges with a stressed bank they have to take on all of their debt, stock, and unrealized losses of the stressed bank. If a bank fails the healthier bank gets a sweetheart deal from the FDIC with a lot of forgiveness on debt and stock.
This just involves the banking sector while a hard or soft landing affects the entire economy. It’s called greed and bad management on part of the banks.
the buck stops at the FED, but unfortunately the FED itself is also a failed bank (trillions of dollars in debt). China and Japan have stopped bailing the FED out. Also, lenders have been demanding more interest on the bonds. minus inflation, bonds pay peanut. US pays 1 trillion dollars in interest for every quarter. this is unsustainable.
Wall Street try to paint it as all well and good and stock market skyrocketing every month. The consumer is overstretched and will pop any day. Starbucks earning shows how consumer behavior and spending is changing . 5 % decrease over a year is a lot
Well, last time the crisis was attached to real-estate; variable rates on single family homes. This time it's attached to commercial real-estate, rental markets, and brick/mortar leases. Single-family homes will only receive a distal effect from the fall-out; thank God.
@@vladimirofsvalbard9477 different issue all together. Banks created market back securities and didn’t grade the debt correctly. Basically when they aggregated these securities they made the high risk ones better rated. That kind of stuff doesn’t happen now. That was going on since the 1980s.
People will lose their jobs. How will they afford to keep their homes. I don’t think you understand macroeconomics. We are talking billions of losses. You think everyone’s just going to say “oh well”. No. It’s called a fiduciary duty to investors.
@@bobroberts2217no body is loosing money. The feds take over the bank, the deposits, and the assets and tells another bank on X days they take over and make it a branch.
They want the smaller banks to fail so they can be brought out by the bigger banks. Because they want a digital dollar and they want to get rid of paper money also we are seeing the beginning of a new monetary money system. Why do think so money countries are buying gold lmao lol. The US will lose its status as a reserved currency and the elites want the US economy to fail because it's impossible to pay our debts back. The elites will transfer their wealth to the new financial system while American citizen will be responsible for our 34 trillion dollar deficit lmao lol
I was in 5th grade when that happened and any similar situation would be a lot worse since youth worldwide are not doing doing well and home prices would only go down to their actual worth
But... views... 😮 U.s. media always be fear mongering, rather than report its been evident for years, the music, the tone and don't forget the headlines.
About the current bank situation, I'm really concerned. I am worried about a lot more if a bank the size of SVB may fail. I have a friend who manages a fast-growing startup and was severely impacted by the bank run. I have taken more than $840k out of my bank. Since the FDIC only provides coverage up to $250K, an implosion could have negative consequences. presently want to invest in the stock market. Does anyone have any ideas on how I might proceed?
I've never felt secure keeping a large sum of money in a bank, so I invest through my financial advisor, reap the benefits, and then spend the money. We fail to realize that banks are commercial enterprises that are driven by greed as well. The over-leveraging of assets by banks starting in 2020 was one of the factors that led to SVB's collapse.
We were traveling in the same direction, my wife and I. I withdrew my money over the past two years and invested with her wealth manager. I won't be able to match her earnings over time, but at least I make more. Haha.
I hate how realtors sold the real estate market as an asset. Owning a house is not an asset unless it's paid for 100 percent. Gold is the best asset right now. 💯
This is the reason why I’ve been storing my wealth in everything else other than fiat cash and the banking system. Absolute poor management of cash reserves.
I got out of banking last year after 12 years. I feel like the writing’s on the wall and it’s just a matter of time before clerks and loan officers are replaced by ATMs and AI
Atm numbers are diminishing in my country, we have ai for a long time before chat gpt a lot of people use homebanking. Let them come so people can discovery they are overhyped for certain applications
@@willw7743 Until you learn that many people can't do advanced jobs, and then you get a combination of criminals and violent people lashing out at a system that has no place for them. Good times are coming.
@@willw7743: Right now, the automation is there already ? And the people sleeps on the streets, with no food and no money and can't read the news. I used to think that, if you don't have an address, then you cannot get access to services. Now ? It's a case of... If you don't have a mobile phone. Then you are screwed. Royally. Even the offices of the councils doesn't exist at all... Or the offices of help doesn't work any more....
It just doesn’t stop. No matter how we see this, it ends the same; failure. Commercial failure or residential failure etc it just doesn’t stop with this capitalistic society failing in the end. Borrowing money in the commercial sector is just as horrible as any other borrowing sector. When we talk about our citizens needing better pay to have more capital to invest, the idea to solve a problem for those who own a large majority of assets and capital is absurd. Our citizens as tax payers are just saving those who own the majority of stock shares and property but get left behind when we talk about taxing the rich, regulating healthcare costs, living costs and transportation. How are we as a nation solving those who own banks and are those who are supposed to be capital gains experts? Too big to fail, too big to exist really should ring loudly for our citizens. This video is a great example how regular citizens are just on the back burner while billions upon billions are being traded or bought up. We are watching as we have to sympathize with small banks to save our communities through capital finance through borrowing to strengthen said small community banks. When these banks fail then where do the locals go to ask for loans when they are at an average to low income? The big banks will turn them down or right up some policy that will make it impossible to ever own what those individuals are getting loans for ie homes, cars, even medical bills etc. It’s tragic where we are going with this idea that borrowing is profitable just to watch as every American struggles to make rent or put food on the table with six figures. It never fails to amaze me as I watch as our nation will devise plans to save a small bank but do nothing to save that family who desperately needed their employers to give them a living wage as this said company just goes into the private sector of the stock market and now have their hands in the pocket of said local community bank that is failing, hoping to buy them out. The American dollar can be followed and there are only a certain amount of individuals who live and own those communities and those banks. It doesn’t matter though some how sacrifices will be made to ensure our economy is safe and we can continue watching private corporate companies find the mysterious amount of capital to buy up all those loans in default to make record amount of capital the following year.
The dozens of times you keep saying "American citizens", "American people", "American struggles" is the reason why you get screwed. Try being nice to the rest of the world, and refer to these problems with regards to the problems of "All Humans", as all humans matter, not just "Americans", cuz if your problems are solved by someone & americans are happy again, you'll go back to your happy life while letting your govt murder women & children across the globe. So, what's the use of helping just "Americans" instead of all humans?
Simple solution on the bonds with lower rates. FED should prioritize buying up and honoring such BONDS from banks at their face value. The mess was created by the FED mis-categorizing the inflation as NOT being transitory thus hiking up rates and can only be solved by them.
As long as #TDBank💰 stock price is up you don't have to worry🎉... according to my grandfather's financial teaching; if you have an account with #TDBank💰 is not enough, you have to help the bank buy back its shares😀... He inherited nothing from his father;🎬 despite my great grandfather had more money than Donald Trump and his entourage💩... My grandfather's old brother inherited and wasted it all😔... Only if they followed the teaching of saving and investing... 🌎💘💰
That last sentence represents everything wrong with the financial industry and government. Banks need to "experiment" and "if a billion dollar bank fails it doesn't effect the economy" Banks need to store money and that's it, there's no innovation or experimentation to be had and that idea needs to be nipped in the butt. If a billion dollar bank fails that's until levels of inflation, so many jobs, so much financial hardship for those who use the bank and so many other issues. To someone in New York this is a quirky little experiment that makes a number on a spreadsheet but in reality it's people's livelihoods they're playing with. You did are not gods and shouldn't ever feel like you are like that last guy clearly thinks he is, governments are supposed to stop them having that power but they're corrupted as well.
@@danielcarrapa3632 charge a fee to consumers sort of like how they use to. Considering money is almost entirely digital now it should be a pretty cheap fee especially if there's solid competition.
@@AJonVolk I think what you're really missing is the game that most people are oblivious to. The US population has no will or desire to bail out banks again, the big banks are completely aware of this, and the FIDC is also aware of this. So how do you make a bunch of money from people being angry at you. Well you take some of your portfolio, create a few smaller (less than a billion) banks and have them play stupid games with obviously stupid prizes. Run up both assets and debts to the Nth degree on the balance sheet and then let those banks fail. The FIDC will have no ability to "bail" out those banks and the "people's" assets are in danger, so they will run to you, the large bank and offer all of the assets from the dying bank to you at a discounted rate AND you get to divest the debts. Boom you just earned a BILLION of assets for 500 million and none of the debt that was piled up. It would be funny if it wasn't creating massive blank spots inside the balance sheet. In the real world when you clear out all of the dirt underneath a city sinkholes randomly appear, it's similar in economics. All of the politicians talk of the next generation paying for some COVID relief for the people, but none of them discuss how all the massive debts that are never paid back are just under the surface, soon the sinkholes will appear.
Probably not what's being said in this very dishonest or stupid article, but the real reason those small banks are failing is pretty straight forward: 1) dodd frank was imposed on big and small banks which included the requirement to retain a certain amount of liquid assets on hand. 2) Big banks bribed all the pols to eliminate this requirement, but ensured it was only eliminated for them 3) in another bought of asymetrical assault of small businesses within a now MONOPOLIZED industry, the dodd frank law created asymetrical uncompetitiveness for these small banks who couldn't afford to bribe pols into writing them specific exemptions. Fast forward 15 years and an unlevel playing field where the biggest banks have the fewest enforceable regulations is the law of the land and all small banks are dying as a result. I'm not sure there is any saving this country. The level of intelligence needed to follow the scams is beyond even the 75th percentile of humans I encounter. Too dumb is what will be written on humanities tombstone....
I don't know that people know Lia Lorenzo that much. I have been able to climb from $10k to $56k, plan under her supervision, and her responsibility. The signs are the best to enter and exit, a very good woman.
Thank you for this here on RUclips... I am a doctor from Houston Texas, it was recommended to me on RUclips, and I started with $19k and accumulated $52k in a week
Shows why prolonged interest rate hikes are a tricky matter. Wage & price controls for a 100 day period might be a better way to deal w/ sharp inflation every now & again.
This is my fifth year after retirement. I’ve been following the 4% rule thing, but this isn’t really how hard I expected things to be. I still have about $146,000 outside funds in my IRA to invest. Pls how do I take advantage of this?
Now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I think that is a brilliant idea, I tried managing my stock portfolio by myself and I lost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then I have made up to $680K in returns.
Well, Market experts sure provides an edge in investing, Hello thanks for replying, I'm curious to give this a try. Please who is your advisor and how do I get in touch?
Well, Market experts sure provides an edge in investing, Hello thanks for replying, I'm curious to give this a try. Please who is your advisor and how do I get in touch?
Well, market gurus definitely provide an edge in investing. Hello, thanks for responding; I'm interested in giving this a shot. Who is your advisor, and how can I contact them?
FACTS - Central banks globally are stockpiling physical GOLD , and have been for a number of years . Governments are also now stockpiling physical SILVER . Younger generations of Chinese are massively stockpiling physical silver and gold . Gold is at a historic high ; silver is 50% of its all time high .
because the banks might be failing but the corporations are having the time of their lives; banking busisness should have lobbyists as good as these corporations if they want the government to care more about them 😂 😂 that's what you get when your politics are defined by separate private interests instead of driven by the greater good for the whole.
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.
Although my knowledge of the business is limited, it seems that this is the ideal time to enter the market based on my understanding of supply and demand in the economy. The consistent price variations, which shouldn't be an issue, are the only thing stopping me. But I really need a counselor; could you please assist me?
thank you for sharing; I just looked up the broker you recommended on Google and was really impressed with her qualifications. I will immediately send her an email.
1. The Treasury prints money 2. Congress and the President decide on overseas aid packages 3. Congress and the President are the ones who essentially create government jobs.
Great video, I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, i've gotten $18,539 in my portfolio. Thanks so much Maria Susan.
She is my family's personal broker and also a personal broker in many families in United States, she's a licensed broker and a FINRA AGENT in United states.
Yeah, because Money invested is far better than Money saved. When you invest your money it works for you and help you bring more money in the nearest future. I appreciate your advices, imagine l invested $1000 and received $9,200 from my investment.
Thank you for the content!! All we need is the right advice on how to invest in crypto and we will be set for life, I’ve made huge figures from trading regardless of the market conditions😊
If you don't want to crash and burn, you should seek the advice of a fiduciary counselor when you first start out. Because their entire skill set is based on going long and short at the same time, they employ a profit-driven strategy based on individual risk tolerance.
The fundamental problem is that ordinary citizens don't hold enough money. This means they aren't investing, they can't buy homes, and they aren't putting money into their local banks, which is the source of most banks' capital.
As long as #TDBank💰 stock price is up you don't have to worry🎉... according to my grandfather's financial teaching; if you have an account with #TDBank💰 is not enough, you have to help the bank buy back its shares😀... He inherited nothing from his father;🎬 despite my great grandfather had more money than Donald Trump and his entourage💩... My grandfather's old brother inherited and wasted it all😔... Only if they followed the teaching of saving and investing... 🌎💘💰
Our economy struggling with uncertainties, housing issues, foreclosures, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.
With the US dollar losing value to inflation and other currencies gaining traction, uncertainty looms. Yet, many still trust in the Dollar's perceived safety. Worried about my $420,000 retirement savings losing value, I seek alternative security for my money.
With my demanding job, I lack time for investment analysis. For seven years, a fiduciary has managed my portfolio, adapting to market conditions, enabling successful navigation and informed decisions. Consider a similar approach.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation
Kathleen Cheryl Constantz is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment
Thanks for sharing, i did a quick search and found her web page, i hope she responds to my mail soon
another bank collapse, another bailout, another financial crisis looming., with uncertain times, a volatile market, and banks gradually failing, I'm aiming for a retirement fund of around $2M and have a solid six-figure amount ready. Are there any opportunities left for someone like me, a boomer, to make this work?
Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
Some people underestimate the value of professional advice until they make costly mistakes. A few summers ago, after a long divorce, I needed a major push to keep my business afloat. I sought out licensed advisors and found someone highly qualified. Thanks to her guidance, my reserve has grown from $175k to $450k, despite inflation.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
Melissa Terri Swayne is the coach that guides me, you probably might have come across her before I found her through a Newsweek report. She's quite known in her field, look her up.
I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
Stacy Lynn Staples is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
Really, banks require more regulation. The entire idea of banking as "let's gamble" is terrifying. Because they discovered in 2008 that the government will always bail them out, there are no repercussions. These bank crisis are so worrisome. This whole financial crisis and the Great Recession posed the most significant macroeconomic challenges for the United States in a half-century, leaving behind high unemployment and below-target inflation and calling for highly accommodative monetary policies. And this is only the beginning!
Since 2020, the banks have been over-leveraging their assets, which was one of the reasons for SVB's implosion. I have never been okay with keeping much money in the bank. I simply focus on diversified investments through a financial advisor, collect my profits, which I either spend or repeat the process. Never been this comfortable with my finances.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
@@joshbarney114 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
I definitely share your sentiment about these firms. Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
The bank crisis isn't over yet, and experienced individuals know credit crises don't end quickly. Some find it amusing that some think it's resolved, but in reality, we're headed for a major economic downturn due to this credit contraction.
After the '08 financial crisis, I've learned not to trust corporations. Since 2020, I've been investing with a financial advisor and have had no major losses, so I'm not going back to relying solely on banks.
How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?
Thank you for the recommendation. I'll send her an email, and I hope I'm able to reach her.
The more the debt go up. We can expect this more and more.
Sadly, banks continue to stumble, mortgage rates is on the rise with higher imports and lower exports, yet the FED is to lessen cost. So, where do we grow and safeguard our money now? something will eventually break if they keep raising interests and quantitative tightening.
ideally, you should consider financial planning to get the best results with your money, notwithstanding economy situation
Well agreed, I'm quite lucky exposed to finance at early age, started job at 19, purchased first home at 28, got married shortly afterwards to raise kids early. Going forward, got laid-off at 40 amid covid '19 outbreak, immediately consulted with an advisor in order to stay afloat and after subsequent investments, I'm barely 25% short of $2m ballpark goal as of today.
@@ThomasChai05this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
"Izella Annette Anderson" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
This is useful information; I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
Big government spending on sweetners and unicorns = higher taxes = higher inflation = government subsides to quell inflation, The rising interest rate can surely control inflation, but won't prevent erosion of the eroding purchasing power of the US dollar. I have learnt my lesson this time. The banks can't be making money off my money, while inflation eats into it. I have set aside 650k to invest in the stock market now, since that keeps up with inflation, but I don't know how to get started.
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Wow, you guys don't seem like bots whatsoever.
@@theoneafterthelast Yes I know a fake planner who asks you to send bitcoins.........
Bank failures are likely to continue increasing due to rising interest rates, as it causes their commercial paper and treasuries to become devalued. To prevent a severe economic downturn, it is necessary to implement a freeze on interest rates. Simultaneously, the White House should support the industry in boosting gas and oil production to lower fuel prices. The anti-oil stance only contributes to higher energy costs, leading to inflation throughout the economy. By reducing interest rates, tightening the money supply, cutting government expenditures, and increasing the availability of affordable fuel, inflation will decrease, and the economy will thrive. Unfortunately, various conflicting agendas make it unlikely for all these measures to be implemented, resulting in a recession and persistent inflation.
In light of the ongoing global economic crisis, it is crucial for everyone to prioritize investing in diverse sources of income that are not reliant on the government. This includes exploring opportunities in stocks, gold, silver, and digital currencies. Despite the challenging economic situation, it remains a favorable time to consider these investments.
The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.
People often overlook the value of financial advisors until they experience the downside of emotional decision-making. I recall a few summers ago, after a difficult divorce, when I needed help reviving my struggling business. I did some research and found a licensed advisor who worked diligently to grow my reserves, even amid inflation. As a result, my reserves grew from $315k to around $740k.
Please can you leave the info of your investment advisor here? I’m in dire need for one
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sophia Maurine Lanting” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
It's quite simple why rates are climbing with rising imports and falling exports, the FED is obviously to be blamed for banking crisis. Something will eventually break if they keep the quantitative tightening and higher interest rates. Is this really a good time to have some savings in stocks?
first austerity, then brexit, now widespread bank failures. .always do your own research & speak to a license advisor before thinking about putting your money into these crazy markets
Agreed, my portfolio is well-matched for every market season yielding 85% from early last year to date. I and my CFP are working on a 7 figure ballpark goal, tho this could take another year. IMO, financial advisors are the most sought-after professionals after doctors.
Impressive gains! how can I get your advisor please, if you don’t mind me asking? I could really use a help as of now
Sonya Lee Mitchell is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you
The banking sector urgently requires more stringent regulation. The prevailing culture of reckless risk-taking, tantamount to gambling, is deeply troubling. The 2008 crisis illustrated that banks operate under the assumption of government guarantees, rendering them immune to consequences. This moral hazard is distressing. The subsequent financial crisis and Great Recession posed unprecedented macroeconomic challenges in the US, yielding high unemployment, subdued inflation, and necessitating extraordinary monetary policy measures. Furthermore, this may merely be the precursor to more severe challenges.
Following the onset of 2021, banks have engaged in excessive asset leveraging, a primary contributor to the demise of SVB. I've long been wary of maintaining substantial deposits in banks. My preference lies in diversified investments, expertly managed by a financial advisor, yielding profits that I either utilize or reinvest. This strategy has afforded me unparalleled financial peace of mind and stability.
Having been exposed to finance from an early age, I've been blessed with a strong foundation. I began my career at 19, became a homeowner at 28, and started a family soon after. Although I faced a setback with a layoff at 40 during the COVID-19 pandemic, I promptly consulted a financial advisor and made savvy investments. I'm now within striking distance of my $2 million goal, just 25% shy of achieving it.
This sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
"Rebecca Noblett Roberts" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for sharing.This is useful information. I copied her whole name and pasted it into my browser, her website appeared immediately and her qualifications are excellent.
A perfect storm is brewing in the United States. Inflation, bank collapse, severe drought in the agricultural belt, recession, food shortages, diesel fuel and heating oil shortages, baby formula shortages, available automobile shortages and prices, the price of living place. It's all coming together and it could lead to a real disaster towards the end of this year (or sooner). With inflation currently at about 6%, my primary concern is how to maximize my savings/retirement fund of about $300k which has been sitting duck since forever with zero to no gains.
These are the conditions in which life-changing money is made by those who remain calm, patient, and take controlled risks. Volatility goes both ways. The bigger the red candles, the bigger the green ones.
Investing in stocks can be a wise decision, especially if you have a dependable trading system that can lead to successful outcomes. Personally, I've been working with a financial advisor for about a year now. Starting with less than $200K and I'm now just $19,000 away from making half a million in profit.
This is definitely considerable! think you could suggest any professional/advlsors i can get on the phone with? i'm in dire need of proper portfollo allocation
I've been working with Vivian Jean Wilhelm, and her performance has been consistently impressive. She’s quite known in her field, Look her up.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
One red flag is when banks start to cut their risk management units during end of cycle. Thats like firing your fire fighters just before a forest fire.
And..the real estate market slows down. Despite all tthe housing INVENTORY, less buyers are in the market and or not getting approved without 35-45% down payments. Those lending paramaters TAKE a lot of buyers out of the market. Lending guidelines are FAR MORE RISK AVERSE, in their lending matrix.
Yeah, but in the short term it made the line go up, so whats the problem? /s
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Or be bailed in
First SVB, then signature bank and now first republic bank, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
banking failures due to the FED forcing settlement from T-2 to T-0. They are deliberately doing this so that JP morgan and the big banks will consume all the small banks. It's designed by purpose and i know that for a fact, hmmm
banking failures due to the FED forcing settlement from T-2 to T-0. They are deliberately doing this so that JP morgan and the big banks will consume all the small banks. It's designed by purpose.
Given the current market situation and the precarious state of the economy, I would recommend refraining from investing in stocks for a while or, alternatively, seeking guidance from a financial advisor. However, keeping a portion of your wealth in gold remains a wise choice.
I consider gold investment to be dependable and intend to increase my holdings to recoup losses. While silver is also a promising investment, it differs from my collectibles. Having clear investment goals and acquiring knowledge in the field are essential. I collaborate with Laurel Dell Sroufe, a financial consultant regulated by the SEC. Through modest initial investments, I have gradually accumulated nearly $799k over time.
How can i reach her, because I’m seeking for a more effective investment approach on my saving.
The bigger megabanks like JP Morgan will just swallow them up.
That was the plan all along.
and pay them $0 per share
Exactly
You’re right
I hate it cuz the small banks offer better rates.
Unfortunately right
Hey! I remember this one! we had one of these in 2008
That worked out great in the end (for the banks)
Except that was residential and not commercial.
Yes and this time is going to be scarier.
Bankers will be rescued. Wall street has lobbyists. Main street doesn't
Can finally buy a house cheap.
It's fine they will fire low level employees and give millions in bonuses to higher ups and then have the tax payer bail them out 😆
One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $200k of my savings in stocks this year, and I hope I make profits.
You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
Nicole Anastasia Plumlee is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment
Totally right !
Upon the initiation of interest rate increases by the Federal Reserve in 2022, in response to the 2021-2022 inflationary period, bond prices experienced a decline. This reduction in bond values negatively impacted the market value of bank capital reserves, leading certain financial institutions to record unrealized losses. In order to preserve liquidity, Silicon Valley Bank opted to sell its bonds, thereby realizing significant losses. "This raises the point: What measures can be taken to ensure financial security during economic volatility?
Given the current market volatility, I recommend consulting with a financia1 advissor. They can offer valuable insights and guidance, including strategic entry and exit points for the specific shares and ETFs you're interested in.
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. hence I will suggest you get yourself a financial-Advisor that can provide you with entry and exit points on best stocks to buy now or put on a watchlist. Apple, Merck, General Dynamics, Cheniere Energy and Marriott International are prime candidates.
"It's a good idea to team up with a financial advisor to help you mix up your investments. They can guide you to include commodities, bonds that adjust with inflation, and sto0cks from companies with strong cash flows. This is instead of focusing on 'growth stoocks' where the value is based on future earnings that might not materialize.""
"Indeed, I strategically diversified my $400K portfo1io across various markets, with the assistance of a financial advisor. This approach has yielded a net profit of over $900K stemming from high-dividend stocks, ETFs, and bonds, within a few months."
very true, I started investing before the pandemic and that same year I pulled a profit of about $600k with no prior investing experience, basically all I was doing was seeking guidance from a financial-advisorr, you can be passively involved with the aid of a professional.
There seems to be skepticism amongst investors regarding the Federal Reserve's plan to continue increasing interest rates until inflation is stabilized. As for myself, I find myself at a crossroads, uncertain whether to invest $150,000 into my stock portfolio. I'm seeking advice on the best strategy to capitalize on this current market.
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Either they are incapable of seeing the true economy or they want to hand over a banking crisis to trump
Moral Hazard - When people know they are insulated from the consequences of their mistakes they tend to keep making them.
Tend sure. Also helps them get far enough to get tired of making the mistake if they last long enough.
Show me the incentives and I will show the outcomes...
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "the bank and the consumer" instead of "the investors?"
They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
@@guilhermesavoya2366when they do nationalize you will whine about monopoly. And the bail out was a loan which was paid back with interest. Sound policies are what keep these organizations in check not "nationalization" or whatever socialist mambo jumbo. Because at the end of the day, the government can't nationalize all banks. Blame the orange clown who rolled back Obama Era policies that resolved all these issues.
Covid and the WFH explosion were black swans. Mid size banks should have built a better moat but who knew commercial real estate was about to collapse
It's almost as if the push for continous YoY growth and pushing consumers to increase their spending isn't sustainable.
Consumer Debt at $17 trillion,
does not actually help the GDP.
But the GAO seems to assume
some miracle will make the US Currency
survive?
They count all purchase, even Credit Card ones.
Spend your money or communism wins!!!
fiat + central banking system with irresponsible government spending
What are you talking about? Infinite growth is a wonderful thing with no bad outcomes. Just ask cancer.
@@somuchfortalentwhy cant they stop? Nobody on earth can stop them.
I saw someone call this 5 years ago. The community banks give loans to small business in the community. JP Morgan and the big banks only care and give loans to mega corporations. The failing of community banks is a consolidation of power and bad for the country and everyday person
If you've ever wanted to know what a massive debt bubble looks like, this is it. So many things are about to break simply from a return to historically normal interest rates. In a healthy economy where everyone can actually afford what they're buying, 5.5% interest shouldn't break you. The reality is, consumers and institutions are stretched to their limit and went on an excessive debt binge after years of net negative interest rates. In the first quarter of this year, we saw GDP growth decline while inflation was still on the rise despite this and household incomes not changing significantly. Meanwhile consumer debt and credit card balances have exploded so far this year. This almost certainly means price increases and what little economic growth we have (1.6%) are being fueled by debt, which is completely unsustainable and an ominous sign for the economy.
And the biggest bubble of them all - $35T in public debt. The federal reserve can’t even raise rates like Volcker because the country simply can’t afford it. US Government needs to curb their deficit spending and raise taxes, it’s about time.
Yeah Well maybe people could start moving out of their Parent's Houses.
Wrong
@@NOBLEFILMS1987 and how will they afford it? Most people can’t even afford a studio apartment.
This dude came to the same conclusion I did and the response is that people should move out of their parents house lol... We are in a debt economy with start up companies selling away their businesses to venture capitalist and then they come in and run the entire business to the ground not generating any profit, pretty much sustaining themselves off of investors. A lot of BLOAT that do not generate any income in the workforce like ESG/DEI, government too slow to keep up with economics regulations in the modern rapid tech advances.
And yet nothing will change
Opportunity comes during chaotic time. They will never let a recession go to waste…
If only there was some new international crypto currency everyone could buy in ETF form… /s
Inflation will. Every bail out involves buy bonds way over market values. The effect is pumping more money into the market like easing.
😂ofc,it is capitalism ill
They will kick the can down the road.
It was a very bad decision to remove the Glass-Steagall Act in the late 1990s, which led to the spectacular failure of huge banks during the financial crisis of 2007-2008. To prevent another disaster, Dodd-Frank and this statute both need to be reestablished right away. What happened with these banks is only the beginning of what will happen if nothing is done to address the current situation.
In my opinion, some of the banks was attempting to restructure their bond portfolio, which involved selling their low-yielding bonds despite the potential loss, and compensating for it by buying higher-interest-rate bonds on the open market.
Despite the economy's resilience thus far, the banks scenario cautions that the effects of Federal Reserve rate hikes persist. During such periods, investors must remain alert to anticipate what comes next. It is not necessary to act on every prediction, so I recommend seeking the guidance of a financial advisor, which has been my go-to advice for some time now.
I'm intrigued by your experience. Could you possibly recommend a trustworthy advisor you've consulted with?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
Since Biden took office, there seem to have been more unfavorable results in America. I am really worried about the current bank crisis/interest rates, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
It’s always a good option to keep some gold. Well with the current market situation and everything at stake with the present economy, I’d say you’re better off staying away from stocks fr awhile or better still reach out to an adviser for guidance.
True, a lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $175k to approx. $350k so far.
@@hasede-lg9hj My partner’s been considering going the same route, could you share more info please on the advisor that guides you
Annette Marie Holt is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
@@hasede-lg9hj Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
By understanding how cash and banks work, it becomes clearer why they must ultimately fail. Ever heard the saying cash is thrash? Just hold your money in more stable and lucrative ways and save yourself the eventual stress and heartbreak.
Easier said than done. Besides them, what are even safer options? Are we to start burying our money or what?
Sorry to jump in, but there are a lot; gold, stocks, stable businesses etc. I know this cos personally I made my first million late last year from stocks and bonds which I have used to set up and put into other things. The only downside is that you could also lose your funds which is easily remedied by using an FA(who are way cheaper than most people think) or making very thorough inquiries. Good luck.
hi, I have actually thought about this but the risks have always put me off. please, what are the steps for getting an adviser?? like a really good one
You should start by looking out for those from known firms and good track records. You should also make sure the person is licensed. Personally, I use Kelly Matwick. She's good and you could also look her up.
fr man... after what happened last year, I don't trust banks no more
Here comes "Too Big To Fail" Part 2
Not really. Only banks that didn't account for the fact interest rates could rise are at risk.
@@swaggerythat is every single bank in US, because the government will bail them out, they know that, so there is no risk of losing everything, no consequences of bad behavior.
Correct. The NY bank that just failed passed its stress test. This is BS - All is well, all is well.
More like: yep, small enough to fail.
@@swaggeryThe banking system is intertwined. One catches a cold and it spreads.
For years banks have been paying less than a percent on the assets of depositors. They were raking it in. Now they are forced to pay higher rates and may go under, risking our assets. This is what happens when banks are deregulated. One just can’t trust businesses to do the right thing.
But but capitalism!
It’s going to take us longer than we’d like to learn our lessons and we may never learn them because there’s a lot of power and money stopping it.
@@willw7743another sub 100 iq voter that clearly doesn't know Capitalism actually means.
I trust them to enrich themselves at our expense. Go America...
@@willw7743 Nothing can save an intrinsically corrupt banking system from collapse, but they will try to make it look solvent by absorbing all your money and issuing you more debt and a chip to access it.
Only solution is to End the Fed, return to sound money and become your own banker. Its the only way to be sure.
We don’t have capitalism though. We have a corporate welfare state disguised as capitalism.
It's already happening i am really worried about the current bank crisis/interest rates, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
Keeping some gold is a good idea, especially with the election approaching. Given the current market, it's better to avoid stocks for a while or consult an adviser for guidance.
True, a lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $75k to approx. $150k so far.
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
I work with "Monica Shawn Marti" and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.
Thanks a lot for the recommendation. I'll send her an email and I hope I'm able to connect with her.
You get a bailout and you get a bailout, and you get a bailout and you get a bailout and you
If you look under your seat mr billionaire banker sir, you in fact also get a bailout
Can I get a lap dance instead
WOOOOOOOHOOOOOOOOOOOOOOOO
They won’t bail out the regional banks, they only bail out the big guns
That’s why they’re talking about private capital
I would love to hear how Credit Unions are doing.
Massive credit union near me, just got approved for a merger with another huge credit union, and expanding heavily while the bank I work for seems relatively stuck in place, or at least expanding slower.
@@anthonywillick9630 its almost like Socialising banks to server for its customers will allow trust and easier time in times of desperation and fear.
Not bailing out these banks will lead to an economic depression, but that’s what the world needs otherwise nothing will change. Banks will just take more risks and consolidate further.
you don’t even realize the consequences to that
The banks should've lived within their needs 🤷♂️@@isaiahX7
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "the bank and the consumer" instead of "the investors?"
They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
The global majority is moving away from the ISD. They won’t experience the depression.
@@isaiahX7 The alternative is the destruction of the currency and ultimately the country. As bad as great depression II is, the alternative is far far worse. This is something that a decade ago we thought would be for someone 20-30 years in the future to worry about. Well, we're about to be forced to confront reality a lot sooner than anyone expected.
Is there a way to see the actual list of stressed banks? I'm interested to see the actual banks that are struggling.
They wouldn’t because it’d cause a bank run. If you saw a bank on a list that you work with has a chance of collapsing, would you keep your money there? Nope.
@@LaSombraa Good point
No, but look at banks offering high cd rates
Remove your money from bank and buy gold ?
@@prashanthb6521 Tell your Congrescritter to End the Fed and give everyone sound money!
Nearly 5000 banks are in the US and only hundreds are struggling…sounds like a controlled demolition to me
It is like a plan.
Half
Several of the biggest market experts have been voicing their opinions on exactly how awful they think the next downturn would be, and how far equities may have to go, as recession draws closer and inflation continues well above the Fed's 2% objective. I'm trying to build a portfolio of at least $850k by the time I'm 60, therefore I need suggestions on what investments to make.
you are right. it's been a brisk tailwind for lnvestors in US stocks over the decades but it is a delicate season now, so I advise you to consider the guidance of a financiaI advisor
t's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
What happened to SVB is really scary, and goes to show that no corporation, however big, is immune to collapse. I have always had a deep-seated mistrust for corporations. I have plans to pull out most of my money, but don't know what to do with $350k sitting idly.
Biden is worst thing that happened to us
TRUMP 2024
Having an FA is the best way to go. Based on a direct encounter with a CFP named Julia Hope Marble I can say with certainty that their skills are excellent. She helped raise over 580,000 in 18 months from an initially stagnant portfolio of 150,000
Foreign trusted banking institutions such as the Swiss .
buy gold
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Avert too-good-to-be-true con tricks. Consult a fiduciary counselor; these professionals are among the best in the business and offer individualized guidance to clients based on their risk tolerance. There are undesirable ones, but some with a solid track record can be excellent.
So true ! Perfectly said
Just buy the stock with 2 Billion in Cash, positive earnings, and 1900 p/e ratio.
wouldn't you hedge your portfolio with that much money in it ?
You just have to be safe and secure your assets in QFS
The problem is banks are allowed to report earnings with mark to market which makes banks appear more solvent than in reality. Also first republic bank even with JPMC cash infusion still failed.
Marked to market largely resulted in banks showing worse positions due to unrealized losses in securities portfolios.
If banks are trying to use mark to market rules. Bringing 40% to table at loan closing should signal to consumer the homes are highly inflated. The caveat emptor should be hold off on loan. But. What's the answer to rent higher than mortgage payment as foreclosed homes are now rentals for the very corporations taxpayers bailed out.
Been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, heard some guy speaking of making over a million dollars from a $300k capital and I'm driven to ask what skillset and strategy can generate such profit??
Avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
Most people minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
How can one confirm a licensed advisor;,? I buy the idea of employing the services of one because finding that balance between saving and living comfortably requires maximum discipline. My goal is retiring or working less than 5 years from now. Pls, how do i get a hold of one?
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
She appears to be well-educated and well-read. I ran an onlline search on her name and came across her webslte; thank you for sharing. I sccheduled a caII.
I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks or Crypto will be appreciated
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
nice!! once you hit a big milestone, the next comes easier. How can i reach her, if you don't mind me asking?
I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this.
Banks during the depression: "Lock the doors! We are broke asf! Turn off the lights!"
Average American: 💀
middle eastern wars are draining the economy
Government tax payer funded bail out
Why is it that US banking is a continuous dumpster fire?
Because they want to take the whole world down with them.
THE FED.
we are repeating the exact history during the early 1900's which saw repeated bank failures until Glass-Steagall was enacted in 1932 and there were almost no bank failures for ~70 years until they got rid of Glass-Stegall in 1999 and then all the banks started failing again and within 10 years the great financial crisis. Dodd-Frank was worthless. This will continue until Glass-Steagall is brought back.... but a slower economy might be the result.
The FED bails out banks, so there's no real risk to anyone. At least at the bigger banks. They can take all the high risk/high reward investments and YOLO it knowing big daddy government will bail them out....again
Sarbanes oxley act not being enforced. Banks just gambling with depositor money and doing whatever TF they want.
I don't buy this. I've heard the opposite, to find smaller community banks, which have more strict lending policies vs the national banks that lend to anyone. To Mr. Powell, of course the big banks won't fail because they'll just get ANOTHER bailout.
This is based on a Klaros report which screened regulatory filings of banks and found just under 300 institutions whose CRE concentrations exceed 300% of capital. This is a very real concern
12 years ago, I remember seeing some old dude calling it out on tv. That western economy has its ups and downs, that's normal. But when you should start getting scared as it starts to doing it to often and to fast in a short period of time . Like towing car that start to rock before you know it you crashed.
Fractional reserve banking. It's like we learned NOTHING during the last econmic collapse lol.
Those people are probably diseased or old right now, and if they are alive they probably don't care and they are enjoying retirement.
Fractional reserve banking isn't the problem. The risk management is.
Well, the banking system has learned like a child that if they fail, daddy will just save them. Hopefully daddy doesn't put himself at risk to save his kids.
@@michaelm.3641 there's actually no problem. Money is neutral and smart money always looks twice before parking any amount of money above the FDIC limit. Dumb money or OPM like at Silicon Valley bank is the exception. Let the markets sort it out, as Andrew Mellon wisely said in the 1930s.
Nothing to do with fractional banking
It’s more than time for a complete reform.
5:55 If you bank with #MeridianCU💳 then your assets are safer and better interest rates than most big banks🇨🇦! 🌎💘💰
It's just a matter of time. It all will come down burning. The real issue is that people are broke, stagnant wages. Americans maxed out when it comes to borrowing and spending money they don't have...
Let it come down, we need to kick out this corrupt debt as money private Federal Reserve and return to sound money. People don't realize how much better it would be. US has been bankrupt at least since 1933!
I hear you, things can feel pretty overwhelming, especially when it comes to financial struggles. It's tough when people are dealing with stagnant wages and financial stress. Remember, you're not alone in feeling this way. Stay strong, my friend. 💪
What I feel many of these comments and this video fail to mention is how community banks are massive parts of their communities. They are trusted face for a home loan, a kind teller who asks about your family as they deposit your paycheck, the sponsor of your child’s sports team, and so many other things to the places they call home. To lose them, would just be giving business to larger and faceless banks that have no stake in you or where you live.
Why do people who don't know how to do banking deserve to do banking? There are other people in the community who could do it. Who actually deserve to be trusted. It isn't either-or. We don't actually have to choose between a bunch of incompetent local bankers and a bunch of faceless international bankers.
That's what they want! We live in a capitalist society, like monopoly the game
Citi and Bank of America were bailed out in 2008. The big banks need to be broken up over time as they pose the real threat!
Wow, it's real estate related?
Is there a single major problem in this country that isn't ultimately caused by inept land management?
none. real estate is the gigantic part of the economy. The entire economy system is almost base on it. I mean shyt most people spend over half of their salary to rent an apartment or mortgage. That's why you see US economy almost crashed in 2008. This time it is even more scary.
Inept gov.
This is a result of interest rates being kept too low for too long and corporate office space being undesirable.
5:55 If you bank with #MeridianCU💳 then your assets are safer and better interest rates than most big banks🇨🇦! 🌎💘💰
Crash! Crash! Recession! Inflation! It’s getting depressing. I have about $100k in emergency fund and I have been seeing good news about the stock market and would like to gain from that since I can’t let my savings be corroded by inflation. What stocks should I into as a newbie to safely grow my money.
Let's face it... buying more stocks & index funds during stock market corrections and bear markets is scary. Which makes it really hard to do for most people like me. I have 260k I want to transfer into an s&p but its hard to bite the bullet and do it.
Its best if you buy growth/blue-chip/large caps stocks only. Also, as a newbie its advisable you work with an investment advisor to help set up a well-structured portfolio.
That's impressive ! I could really use the expertise of one of these advisors. Any chance you could recommend one?
Actually its a Lady. Yes my go to person is a ‘Sharon Marissa Wolfe '. So easy and compassionate Lady. You should take a look at her work.
I found her page by searching for her entire name online. After that, I emailed her and we set up a meeting so we could talk; I'm currently waiting on her response.
The self - confidence you have make me feel secured about this strat
war in Middle East didn't exist before
As long as #TDBank💰 stock price is up you don't have to worry🎉... according to my grandfather's financial teaching; if you have an account with #TDBank💰 is not enough, you have to help the bank buy back its shares😀... He inherited nothing from his father;🎬 despite my great grandfather had more money than Donald Trump and his entourage💩... My grandfather's old brother inherited and wasted it all😔... Only if they followed the teaching of saving and investing... 🌎💘💰
The reason there are fewer mergers is because if a healthier bank merges with a stressed bank they have to take on all of their debt, stock, and unrealized losses of the stressed bank. If a bank fails the healthier bank gets a sweetheart deal from the FDIC with a lot of forgiveness on debt and stock.
5:55 If you bank with #MeridianCU💳 then your assets are safer and better interest rates than most big banks🇨🇦! 🌎💘💰
"Hard Landing" becoming more likely, just happing in slow motion.
This just involves the banking sector while a hard or soft landing affects the entire economy. It’s called greed and bad management on part of the banks.
the buck stops at the FED, but unfortunately the FED itself is also a failed bank (trillions of dollars in debt). China and Japan have stopped bailing the FED out. Also, lenders have been demanding more interest on the bonds. minus inflation, bonds pay peanut. US pays 1 trillion dollars in interest for every quarter. this is unsustainable.
For profit banks should be outlawed
This is possibly the worst idea ever
Wall Street try to paint it as all well and good and stock market skyrocketing every month. The consumer is overstretched and will pop any day. Starbucks earning shows how consumer behavior and spending is changing . 5 % decrease over a year is a lot
Do you believe a 5% figure ? No way its more like 25% guaranteed
McDonald's as well.
In other words, we're about to see a replay of the 2008 banking crisis. Please, let's not lose faith yet in our great government.
Nah big banks take over the assets and deposits as these banks fail.
Well, last time the crisis was attached to real-estate; variable rates on single family homes.
This time it's attached to commercial real-estate, rental markets, and brick/mortar leases.
Single-family homes will only receive a distal effect from the fall-out; thank God.
@@vladimirofsvalbard9477 different issue all together. Banks created market back securities and didn’t grade the debt correctly. Basically when they aggregated these securities they made the high risk ones better rated. That kind of stuff doesn’t happen now. That was going on since the 1980s.
People will lose their jobs. How will they afford to keep their homes. I don’t think you understand macroeconomics. We are talking billions of losses. You think everyone’s just going to say “oh well”. No. It’s called a fiduciary duty to investors.
@@bobroberts2217no body is loosing money. The feds take over the bank, the deposits, and the assets and tells another bank on X days they take over and make it a branch.
* traumatic '08 memories intensifying *
THAT MORONS IN THE WHITE HOUSE HAVE TO STOP PRINTIG MONEY.
They want the smaller banks to fail so they can be brought out by the bigger banks. Because they want a digital dollar and they want to get rid of paper money also we are seeing the beginning of a new monetary money system. Why do think so money countries are buying gold lmao lol. The US will lose its status as a reserved currency and the elites want the US economy to fail because it's impossible to pay our debts back. The elites will transfer their wealth to the new financial system while American citizen will be responsible for our 34 trillion dollar deficit lmao lol
It’s not that bad. It’s going to be an apocalyptic scenario though for commercial real estate.
I was in 5th grade when that happened and any similar situation would be a lot worse since youth worldwide are not doing doing well and home prices would only go down to their actual worth
Why is Google always deleting my comments
You guys realize if you create fear it increases the likelihood of a bank run
But... views... 😮
U.s. media always be fear mongering, rather than report its been evident for years, the music, the tone and don't forget the headlines.
That's what we need . So we can all see just how broke they are. They don't got our money. Close to half of them.
About the current bank situation, I'm really concerned. I am worried about a lot more if a bank the size of SVB may fail. I have a friend who manages a fast-growing startup and was severely impacted by the bank run. I have taken more than $840k out of my bank. Since the FDIC only provides coverage up to $250K, an implosion could have negative consequences. presently want to invest in the stock market. Does anyone have any ideas on how I might proceed?
I've never felt secure keeping a large sum of money in a bank, so I invest through my financial advisor, reap the benefits, and then spend the money. We fail to realize that banks are commercial enterprises that are driven by greed as well. The over-leveraging of assets by banks starting in 2020 was one of the factors that led to SVB's collapse.
We were traveling in the same direction, my wife and I. I withdrew my money over the past two years and invested with her wealth manager. I won't be able to match her earnings over time, but at least I make more. Haha.
Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.
Her name is “Annette Christine Conte” can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thanks for sharing, i did a quick search and found her web page, i hope she responds to my mail soon
This is why we need a reform on banks and capital reforms. The story behind the numbers ?
This is the result of allowing the big mega banks to form post 2008.
5:55 If you bank with #MeridianCU💳 then your assets are safer and better interest rates than most big banks🇨🇦! 🌎💘💰
I hate how realtors sold the real estate market as an asset. Owning a house is not an asset unless it's paid for 100 percent. Gold is the best asset right now. 💯
This is not about housing. This is about commercial real estate.
All depositors are unsecured creditors period. Change the law if you want the people to trust the system.
Correct, David Webb makes that abundantly clear in his 'Great Taking' documentary.
Shut down the Fed and outlaw money printing and then maybe I’ll consider trusting it but not until then.
This is the reason why I’ve been storing my wealth in everything else other than fiat cash and the banking system. Absolute poor management of cash reserves.
I got out of banking last year after 12 years. I feel like the writing’s on the wall and it’s just a matter of time before clerks and loan officers are replaced by ATMs and AI
I for one welcome our tech overlords, the more jobs we automate the less we have to work or can focus labor in different (hopefully better) areas.
Atm numbers are diminishing in my country, we have ai for a long time before chat gpt a lot of people use homebanking.
Let them come so people can discovery they are overhyped for certain applications
@@willw7743 Until you learn that many people can't do advanced jobs, and then you get a combination of criminals and violent people lashing out at a system that has no place for them. Good times are coming.
@@willw7743: Right now, the automation is there already ? And the people sleeps on the streets, with no food and no money and can't read the news. I used to think that, if you don't have an address, then you cannot get access to services. Now ? It's a case of... If you don't have a mobile phone. Then you are screwed. Royally. Even the offices of the councils doesn't exist at all... Or the offices of help doesn't work any more....
ATMs will probably start disappearing soon as cash is used less and less.
I always find something new and useful in your videos. Thank you very much for your time and effort!
It just doesn’t stop.
No matter how we see this, it ends the same; failure.
Commercial failure or residential failure etc it just doesn’t stop with this capitalistic society failing in the end.
Borrowing money in the commercial sector is just as horrible as any other borrowing sector.
When we talk about our citizens needing better pay to have more capital to invest, the idea to solve a problem for those who own a large majority of assets and capital is absurd.
Our citizens as tax payers are just saving those who own the majority of stock shares and property but get left behind when we talk about taxing the rich, regulating healthcare costs, living costs and transportation.
How are we as a nation solving those who own banks and are those who are supposed to be capital gains experts?
Too big to fail, too big to exist really should ring loudly for our citizens.
This video is a great example how regular citizens are just on the back burner while billions upon billions are being traded or bought up.
We are watching as we have to sympathize with small banks to save our communities through capital finance through borrowing to strengthen said small community banks.
When these banks fail then where do the locals go to ask for loans when they are at an average to low income?
The big banks will turn them down or right up some policy that will make it impossible to ever own what those individuals are getting loans for ie homes, cars, even medical bills etc.
It’s tragic where we are going with this idea that borrowing is profitable just to watch as every American struggles to make rent or put food on the table with six figures.
It never fails to amaze me as I watch as our nation will devise plans to save a small bank but do nothing to save that family who desperately needed their employers to give them a living wage as this said company just goes into the private sector of the stock market and now have their hands in the pocket of said local community bank that is failing, hoping to buy them out.
The American dollar can be followed and there are only a certain amount of individuals who live and own those communities and those banks.
It doesn’t matter though some how sacrifices will be made to ensure our economy is safe and we can continue watching private corporate companies find the mysterious amount of capital to buy up all those loans in default to make record amount of capital the following year.
The dozens of times you keep saying "American citizens", "American people", "American struggles" is the reason why you get screwed.
Try being nice to the rest of the world, and refer to these problems with regards to the problems of "All Humans", as all humans matter, not just "Americans", cuz if your problems are solved by someone & americans are happy again, you'll go back to your happy life while letting your govt murder women & children across the globe. So, what's the use of helping just "Americans" instead of all humans?
Simple solution on the bonds with lower rates. FED should prioritize buying up and honoring such BONDS from banks at their face value.
The mess was created by the FED mis-categorizing the inflation as NOT being transitory thus hiking up rates and can only be solved by them.
There's no risk. they know they'll be bailed out. just like in 2008 & 2023.
Big banks are almost guaranteed to be bailed out. Small banks are definitely not.
No..this time the government can't help..this is litteraly the end of the road for QE
No banks were bailed out in 2023
Large banks trying to eat up small banks nothing new.
Greatest economy ever.
As long as #TDBank💰 stock price is up you don't have to worry🎉... according to my grandfather's financial teaching; if you have an account with #TDBank💰 is not enough, you have to help the bank buy back its shares😀... He inherited nothing from his father;🎬 despite my great grandfather had more money than Donald Trump and his entourage💩... My grandfather's old brother inherited and wasted it all😔... Only if they followed the teaching of saving and investing... 🌎💘💰
No more bailouts!! Please please no bailouts this time
That last sentence represents everything wrong with the financial industry and government.
Banks need to "experiment" and "if a billion dollar bank fails it doesn't effect the economy"
Banks need to store money and that's it, there's no innovation or experimentation to be had and that idea needs to be nipped in the butt.
If a billion dollar bank fails that's until levels of inflation, so many jobs, so much financial hardship for those who use the bank and so many other issues. To someone in New York this is a quirky little experiment that makes a number on a spreadsheet but in reality it's people's livelihoods they're playing with.
You did are not gods and shouldn't ever feel like you are like that last guy clearly thinks he is, governments are supposed to stop them having that power but they're corrupted as well.
How would a bank earn any revenue to pay interest rates for depositors if all they were to do is store money?
@@danielcarrapa3632 charge a fee to consumers sort of like how they use to. Considering money is almost entirely digital now it should be a pretty cheap fee especially if there's solid competition.
@@AJonVolk I think what you're really missing is the game that most people are oblivious to. The US population has no will or desire to bail out banks again, the big banks are completely aware of this, and the FIDC is also aware of this. So how do you make a bunch of money from people being angry at you. Well you take some of your portfolio, create a few smaller (less than a billion) banks and have them play stupid games with obviously stupid prizes. Run up both assets and debts to the Nth degree on the balance sheet and then let those banks fail. The FIDC will have no ability to "bail" out those banks and the "people's" assets are in danger, so they will run to you, the large bank and offer all of the assets from the dying bank to you at a discounted rate AND you get to divest the debts. Boom you just earned a BILLION of assets for 500 million and none of the debt that was piled up.
It would be funny if it wasn't creating massive blank spots inside the balance sheet. In the real world when you clear out all of the dirt underneath a city sinkholes randomly appear, it's similar in economics. All of the politicians talk of the next generation paying for some COVID relief for the people, but none of them discuss how all the massive debts that are never paid back are just under the surface, soon the sinkholes will appear.
Why does it seem like we go through this every 10 years or so. Did they not learn anything from 2006 and again in 2015?
And this is why you need to "get back to the office"😂😂😂
This is why you don’t, so commercial real estate can be cheaper for small buisnesses.
Nobody truly needs to go back to working in an office...
@@tomsam1314 Enjoy getting your jobs replaced by AI soon lol
@@heinrichkoenig8849 what’s that got to do with anything?
@@heinrichkoenig8849YEAH! HAHA!
CNBC among others ignored the 2007 banking crisis among the majors until the 2008 collapse. In an average years hundreds of small banks close.
Y’all know what this means! Home ownership’s bout to be back on the menu boys.
This has nothing to do with homes. This is about commercial real estate
Probably not what's being said in this very dishonest or stupid article, but the real reason those small banks are failing is pretty straight forward:
1) dodd frank was imposed on big and small banks which included the requirement to retain a certain amount of liquid assets on hand.
2) Big banks bribed all the pols to eliminate this requirement, but ensured it was only eliminated for them
3) in another bought of asymetrical assault of small businesses within a now MONOPOLIZED industry, the dodd frank law created asymetrical uncompetitiveness for these small banks who couldn't afford to bribe pols into writing them specific exemptions.
Fast forward 15 years and an unlevel playing field where the biggest banks have the fewest enforceable regulations is the law of the land and all small banks are dying as a result.
I'm not sure there is any saving this country. The level of intelligence needed to follow the scams is beyond even the 75th percentile of humans I encounter.
Too dumb is what will be written on humanities tombstone....
I'm favoured financially with Bitcoin ETFs approval, Thank you, buddy.$42,000 weekly profit regardless
of how bad it gets on the economy
How is that? If you do not mind me, please 🙏
Lia Lorenzo has been my backbone since last year and has brought me many benefits.
I don't know that people know Lia Lorenzo that much. I have been able to climb from $10k to $56k, plan under her supervision, and her responsibility. The signs are the best to enter and exit, a very good woman.
Thank you for this here on RUclips... I am a doctor from Houston Texas, it was recommended to me on RUclips, and I started with $19k and accumulated $52k in a week
Please, how do I connect with Lia Lorenzo? I would appreciate it if you show me how to go about it
Shows why prolonged interest rate hikes are a tricky matter. Wage & price controls for a 100 day period might be a better way to deal w/ sharp inflation every now & again.
This is my fifth year after retirement. I’ve been following the 4% rule thing, but this isn’t really how hard I expected things to be. I still have about $146,000 outside funds in my IRA to invest. Pls how do I take advantage of this?
Now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
I think that is a brilliant idea, I tried managing my stock portfolio by myself and I lost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then I have made up to $680K in returns.
Well, Market experts sure provides an edge in investing, Hello thanks for replying, I'm curious to give this a try. Please who is your advisor and how do I get in touch?
Well, Market experts sure provides an edge in investing, Hello thanks for replying, I'm curious to give this a try. Please who is your advisor and how do I get in touch?
Well, market gurus definitely provide an edge in investing. Hello, thanks for responding; I'm interested in giving this a shot. Who is your advisor, and how can I contact them?
Socialising the loses, privatising the profits.
Postal banking systems, emphasis on Internet banking tools and phone/ chat support, and more credit union systems.
Oh no. That will mean less profit for the “investors/capitalists”. Will never happen.
Customer accounts need little if any maintenance especially when the infrastructure is in place
FACTS - Central banks globally are stockpiling physical GOLD , and have been for a number of years . Governments are also now stockpiling physical SILVER . Younger generations of Chinese are massively stockpiling physical silver and gold . Gold is at a historic high ; silver is 50% of its all time high .
ask - why america funding other countries that fails banks in america?
because the banks might be failing but the corporations are having the time of their lives; banking busisness should have lobbyists as good as these corporations if they want the government to care more about them 😂 😂 that's what you get when your politics are defined by separate private interests instead of driven by the greater good for the whole.
The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.
Although my knowledge of the business is limited, it seems that this is the ideal time to enter the market based on my understanding of supply and demand in the economy. The consistent price variations, which shouldn't be an issue, are the only thing stopping me. But I really need a counselor; could you please assist me?
thank you for sharing; I just looked up the broker you recommended on Google and was really impressed with her qualifications. I will immediately send her an email.
consider yourselves lucky if you have a market over achiever. it's why I'm very confident in the future performance of my P&L
Though I started with as low as $15,000 AUD actually because it was my first time and it was successful, She's is a great personality im in Australia
Fraudsters!
4:50 The FDIC only has about 4% to cover all deposits of this size
We gonna be just fine. What? 😮
All the capital raised to improve balance sheets has (1) been charity (2) been larger banks
Hey Feds, here’s 3 step solution:
1) stop printing money
2) stop funding overseas wars
3) stop creating government jobs
1. The Treasury prints money
2. Congress and the President decide on overseas aid packages
3. Congress and the President are the ones who essentially create government jobs.
@@hellzshotgun yep the Feds (federal govt)
That won't fix the issues mentioned in the video. The banks will still have stressed loans.
@@razorswc noted. But it’s what got us here so let’s prevent from reoccurring.
Two out of three of those are really bad ideas
small banks may keep the loans in the book, that's one thing, can the borrowers repay that is the other.
Great video, I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, i've gotten $18,539 in my portfolio. Thanks so much Maria Susan.
She is my family's personal broker and also a personal broker in many families in United States, she's a licensed broker and a FINRA AGENT in United states.
@InvestwitSusan…that’s it.
Anyone who is not looking up to trading now is missing a great opportunity.
Yeah, because Money invested is far better than Money saved. When you invest your money it works for you and help you bring more money in the nearest future. I appreciate your advices, imagine l invested $1000 and received $9,200 from my investment.
Lol wtf are these bots
you are a Genius I've been following you for a few years close to ten to be exact I appreciate you Boss keep being a Blessing to this Community
Thank you for the content!! All we need is the right advice on how to invest in crypto and we will be set for life, I’ve made huge figures from trading regardless of the market conditions😊
If you don't want to crash and burn, you should seek the advice of a fiduciary counselor when you first start out. Because their entire skill set is based on going long and short at the same time, they employ a profit-driven strategy based on individual risk tolerance.
This sounds so good and I would like to be a party to this, is there any way I can speak with her?
Sure! She interacts on what 's Apk using the digit below 👇
🇺🇸+135
2519
The fundamental problem is that ordinary citizens don't hold enough money. This means they aren't investing, they can't buy homes, and they aren't putting money into their local banks, which is the source of most banks' capital.
As long as #TDBank💰 stock price is up you don't have to worry🎉... according to my grandfather's financial teaching; if you have an account with #TDBank💰 is not enough, you have to help the bank buy back its shares😀... He inherited nothing from his father;🎬 despite my great grandfather had more money than Donald Trump and his entourage💩... My grandfather's old brother inherited and wasted it all😔... Only if they followed the teaching of saving and investing... 🌎💘💰
Great advertising for bitcoin 😅