I plan to retire at 62 in another country outside the US that is free, safe and very cheap with a high quality of life. I could fully just rely on only my SS if I wanted to when that times arrives but l'll also have at least one pension, a 403 (b) and a very prolific Investment account with my Stephanie Janis Stiefel my FA. Retiring comfortably in the US these days is almost impossible.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
Stephanie Janis Stiefel hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I'm stoked because I'm heading into retirement with almost a million bucks in my portfolio.
No doubt a 50 basis point rate cut is in order, inflation is a killer for the middle and lower class. Monetary policy decisions should prioritize economic stability for the working class, not cater to wall street’s big boys and politics.
My concern is where we will begin to see the effect of these cuts, is housing going to follow suit? I missed out on my dream home during the pandemic, I am now all eyes and ears for a further decline in mortgage rates.
Further decline? This is the reason I had wanted to refinance in the 1st quarter according to our budget but my spouse likes the space and the pool. If I go ahead with the plan, I will have over 200k to put in a HYSA as I had initially intended, seeing stocks are very volatile these days and the bond market (10Y) is pricing in the effect of rate cuts by ticking upwards, is it a good time for an average joe to get into the financial markets?
Consider consulting a financial advisor to protect your retirement savings from inflation. I personally saw my portfolio grow from $750,000 to $1.2 million in 3 years, saving $23,000 in taxes and earning $45,000 in dividends, despite 2.5% annual inflation. A financial advisor can help you rebalance your portfolio, optimize retirement income, and develop a tax-efficient strategy to safeguard your future.
I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?
If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
Investing in gold is a reliable choice, and I plan to keep buying more to make up for my losses. While silver is also a good investment, my collectibles are not as similar. It's important to have clear investment goals and educate yourself on the type of investment that interests you. I work with a financial consultant regulated by the SEC, and started small, but eventually accumulated over $800,000.
Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.
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 ‘’Marisa Michelle Litwinsky’’ for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
This is bad news for businesses in Canada. If home prices jump, regardless of monthly payments, more goes towards housing, less savings, less spending, less income for businesses, more job cuts, foreclosures. This isn't stimulating growth.
History says there will be a little blip but the market will drop like a sack of potatoes. 2025 won't be good based on historical trendlines. Now its just media hype and invested businesses that want to prop up a shirking market or need to protect their investments. Car market is tanking and layoffs in muliple sectors are taking place. 1990's all over again
Their plan is to hold the housing price and wait the wages to keep up. They can enforce policies to hold the housing price, but how long do wages take to increase to afford a regular house? No one actually knows.
I'm so happy I made productive decisions about my finances that changed my life forever. I'm a single mother living in Birmingham uk, bought my second house in August and hoping to retire next year at 41 if things keep going smoothly for me…
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Jihan Wu you're such a life saver
A person could move to cheaper housing and afford it. If you have to stay in Toronto area then you can,t afford it. People that have cash in the bank get shafted because of the low rates.
You have to set up a post office box in America and then open a bank account in America to get the American daily interest rates on the converted to U.S. money. I ploughed most of my money into Mexico about 3 years ago. Double digit interest rates and the Peso has soared against the Canadian dollar.
They hope no one read the old economic books that said never pay more than 30 percent on your own income for a mortgage or more than 3 times your gross salary for a house. That is for a single person.
Economy in Canada is weak. It will be a few years before things get better. We need to lift our right leg up higher into the air now and blow even bigger cannon farts while we wait for rates to drop
Interest rate cuts are late to help homeowners who have taken credit cards and personal loans to live. If the return of 35 years amortization is in the reality, then the much lower mortgage payments will immediately ease off the high monthly debt payments to credit cards and loans.
You should have received your renewal already. It will give you options there. Looks like B lenders are at 6.45% fixed but see if you can take variable
I got ten year 5.3 percent GIC for a hundred grand at Motive Financial. If I had of known they would have got bought out by National Bank I might have put in 50 million or more.
Most people who own homes have jobs. And if they lose their job they find another one. People keep asking this - as bad as things are - home owners don’t just sell their house… they prefer to hang on… it’s not a rental… it’s their home and the bank can provide some relief to them too
@@parkerbohnnin the past when? When was the last time banks took over a bunch of bad debt in this Country the 1990s housing bubble? Its been 30 years abd lending has gotten stricter since then. So far theres no recession severe enough to trigger a wave like that and unlike past recessions, the rise in unemployment this time has not come from many layoffs. It has been from not creating enough jobs to keep up with population growth so students, youth and new commers have beared the brunt of bad job market not home owners.
There is a huge lag between when rate cuts are implemented and the effects are actually felt. Not only that, but rate cuts themselves always happen based on lagging indicators, such as unemployment (unemployment data always lags hiring data since businesses stop hiring before they start firing). This is why rate cuts have almost never successfully prevented a recession. We saw it in '08. The yield curve uninverted, the fed cut rates, the markets surged for a bit based on false hope and reality set in soon after as the bad unemployment data caught up to the bad hiring data and it was armageddon from there. Anyone feeling the impact of these economic shifts should consider Crypto long-term trading strategies to protect their assets. My advice to anyone feeling the heat in this inflation, just trade long term more than ever, I have made over 720k from day trading with Aria cookings in few weeks, this is one of the best medium to backup your assets incase it goes bearish..
Rates are coming down that is great ……but what happens if they have to put rates up like last time because inflation is too high in the near future years? People will be stuck with high mortgage payments again at renewal time. Here we go again. Big debt. Do you think this could happen?
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.
As a beginner investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
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.
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $100k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
It's only $750/month extra.. if Your mortgage is $1500/month currently NOTHING TO SEE HERE movie night's of autumn none pantiEs xXAmen KJV* Upper Canada🎃
I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $900,000.
Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.
Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.
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 ‘’Melissa Terri Swayne’ for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I plan to retire at 62 in another country outside the US that is free, safe and very cheap with a high quality of life. I could fully just rely on only my SS if I wanted to when that times arrives but l'll also have at least one pension, a 403 (b) and a very prolific Investment account with my Stephanie Janis Stiefel my FA. Retiring comfortably in the US these days is almost impossible.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
I’m planning on moving to Sri Lanka. Wbu?
Stephanie Janis Stiefel hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I'm stoked because I'm heading into retirement with almost a million bucks in my portfolio.
I have a sis in Philippines
Shouldn’t be hard to adapt there and their is good healthcare too.
How can i reach her, if you don't mind me asking?
No doubt a 50 basis point rate cut is in order, inflation is a killer for the middle and lower class. Monetary policy decisions should prioritize economic stability for the working class, not cater to wall street’s big boys and politics.
My concern is where we will begin to see the effect of these cuts, is housing going to follow suit? I missed out on my dream home during the pandemic, I am now all eyes and ears for a further decline in mortgage rates.
That will be in 2025, the mortgage market already anticipated this as early as May.
Further decline? This is the reason I had wanted to refinance in the 1st quarter according to our budget but my spouse likes the space and the pool. If I go ahead with the plan, I will have over 200k to put in a HYSA as I had initially intended, seeing stocks are very volatile these days and the bond market (10Y) is pricing in the effect of rate cuts by ticking upwards, is it a good time for an average joe to get into the financial markets?
Consider consulting a financial advisor to protect your retirement savings from inflation. I personally saw my portfolio grow from $750,000 to $1.2 million in 3 years, saving $23,000 in taxes and earning $45,000 in dividends, despite 2.5% annual inflation. A financial advisor can help you rebalance your portfolio, optimize retirement income, and develop a tax-efficient strategy to safeguard your future.
Who's your financial advisor? how do I get in touch ?
No matter what interest rates are, since 2020, I will not be able to afford a house.
I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?
If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
Investing in gold is a reliable choice, and I plan to keep buying more to make up for my losses. While silver is also a good investment, my collectibles are not as similar. It's important to have clear investment goals and educate yourself on the type of investment that interests you. I work with a financial consultant regulated by the SEC, and started small, but eventually accumulated over $800,000.
Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.
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 ‘’Marisa Michelle Litwinsky’’ for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
This sound interesting. I’m not really one to use pro analysts, but I guess it would not hurt to try one. My portfolio is in the red waters right now
'Carol Vivian Constable, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
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.
It’s the least they could do after doubling the price of everything
This is bad news for businesses in Canada. If home prices jump, regardless of monthly payments, more goes towards housing, less savings, less spending, less income for businesses, more job cuts, foreclosures. This isn't stimulating growth.
History says there will be a little blip but the market will drop like a sack of potatoes. 2025 won't be good based on historical trendlines. Now its just media hype and invested businesses that want to prop up a shirking market or need to protect their investments. Car market is tanking and layoffs in muliple sectors are taking place. 1990's all over again
there’s nowhere to build houses and no one wants condos in the neighborhood.
its already high no matter interest rates
Their plan is to hold the housing price and wait the wages to keep up. They can enforce policies to hold the housing price, but how long do wages take to increase to afford a regular house? No one actually knows.
@@ejayguo2785 wage incrse only possible if no mass immigrn as long as supply outpace demand no wage increse expected
I'm so happy I made productive decisions about my finances that changed my life forever. I'm a single mother living in Birmingham uk, bought my second house in August and hoping to retire next year at 41 if things keep going smoothly for me…
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear that you saved me from huge financial debt with just a small Investment, thank you Jihan Wu you're such a life saver
Please is there any way I can get in touch with him please?
Been free from debt for good 2 years thanks to Jihan Wu. It is very sad to see my friends in their 40s with car loans, mortgages and credit card debt
Thanks a lot....I have reached out to him.
The very first time we tried, we invested $14000 and after a week, we received 50,230. That really helped us a lot to pay up our bills.
David Rosenberg was right
Anyone named David in finance should be listened to.
@@davidrockefeller2007 okay, David! 🤔
David must have one whopper of a mortgage as all he dreams about is lower interest rates.
@@parkerbohnn the biggest one is government, they have big loan coming up
A person could move to cheaper housing and afford it. If you have to stay in Toronto area then you can,t afford it. People that have cash in the bank get shafted because of the low rates.
You have to set up a post office box in America and then open a bank account in America to get the American daily interest rates on the converted to U.S. money. I ploughed most of my money into Mexico about 3 years ago. Double digit interest rates and the Peso has soared against the Canadian dollar.
How come these videos never discuss income to house price correlation?
They hope no one read the old economic books that said never pay more than 30 percent on your own income for a mortgage or more than 3 times your gross salary for a house. That is for a single person.
They're not saying that the tariffs will create more jobs for americans to bring more money into their pockets!!!
Trump's chances of winning the election are zilch. Harris a a lock winning by a landslide. There will be no tariffs.
Economy in Canada is weak. It will be a few years before things get better. We need to lift our right leg up higher into the air now and blow even bigger cannon farts while we wait for rates to drop
It will only get worse as the Canadian dollar falls toward the 50 cent level thanks to the Bank of Canada's cockamamie polices.
Interest rate cuts are late to help homeowners who have taken credit cards and personal loans to live. If the return of 35 years amortization is in the reality, then the much lower mortgage payments will immediately ease off the high monthly debt payments to credit cards and loans.
Hello , my renewal is Dec 1 and I’m a b lender . What would be the best b rate I could get at that time
You should have received your renewal already. It will give you options there. Looks like B lenders are at 6.45% fixed but see if you can take variable
Massive rate cuts, must mean the economy is VERY resilient.../s
My 5yr fixed is 1.92%
We're the few smart ones who took fixed rates in 2021, mine is at 1.74% til mid 2026
I got ten year 5.3 percent GIC for a hundred grand at Motive Financial. If I had of known they would have got bought out by National Bank I might have put in 50 million or more.
How can people pay for their mortgage if they don't have a job? ;)
Well most home owners do have a job
@@newlycelebrities5956 Until you don't have one.
Just like in the past many of these people will lose their job and split the country leaving the banks or the taxpayers on the hook for everything.
Most people who own homes have jobs. And if they lose their job they find another one. People keep asking this - as bad as things are - home owners don’t just sell their house… they prefer to hang on… it’s not a rental… it’s their home and the bank can provide some relief to them too
@@parkerbohnnin the past when? When was the last time banks took over a bunch of bad debt in this Country the 1990s housing bubble? Its been 30 years abd lending has gotten stricter since then.
So far theres no recession severe enough to trigger a wave like that and unlike past recessions, the rise in unemployment this time has not come from many layoffs. It has been from not creating enough jobs to keep up with population growth so students, youth and new commers have beared the brunt of bad job market not home owners.
the cuts don't affect 5 year fixed rate
Eventually fixed rates will come down. Maybe by spring. Let’s see what the bond market looks like in March
Thank you Lord Jesus for the gift of life and blessings to me and my family $14,120.47 weekly profit Our lord Jesus have lifted up my Life!!!🙏❤️❤️
I'm 37 and have been looking for ways to be successful, please how??
Sure, the investment-advisor that guides me is..
Mrs Kathy lien
Same, I met Kathy lien last year for the first time at a conference in Wilshire, after then my Life has changed for good.God bless Kathy lien
Her services is the best, I got a brand new Lambo last week and paid off my mortgage loan thanks to her wonderful services!
There is a huge lag between when rate cuts are implemented and the effects are actually felt. Not only that, but rate cuts themselves always happen based on lagging indicators, such as unemployment (unemployment data always lags hiring data since businesses stop hiring before they start firing). This is why rate cuts have almost never successfully prevented a recession. We saw it in '08. The yield curve uninverted, the fed cut rates, the markets surged for a bit based on false hope and reality set in soon after as the bad unemployment data caught up to the bad hiring data and it was armageddon from there. Anyone feeling the impact of these economic shifts should consider Crypto long-term trading strategies to protect their assets. My advice to anyone feeling the heat in this inflation, just trade long term more than ever, I have made over 720k from day trading with Aria cookings in few weeks, this is one of the best medium to backup your assets incase it goes bearish..
Ariacookings… that’s her name on
TE LEGRAM…
Productivity is never accidental; it is always the result of careful planning, dedication, and consistency.
Trading with an expert is the best strategy for beginners and busy investor's who have little or no time to monitor their trades.
I appreciate the professionalism and dedication of the team behind Aria's trade signal service.
Why do people on welfare get all the breaks.
it's a social government...VOTE THEM OUT
Rates are coming down that is great ……but what happens if they have to put rates up like last time because inflation is too high in the near future years? People will be stuck with high mortgage payments again at renewal time. Here we go again. Big debt. Do you think this could happen?
Longer term rates have barely fallen one iota from the peak in rates back in October 2023. The bond vigilante's are still out in full force.
If people are on variable you’d hope this time they lock in. Ride the variable until 3.5 and then lock in for 5 years
O
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.
As a beginner investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
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.
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $100k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analyzing market movements and spotting profitable opportunities. Her strategies are meticulously crafted based on thorough research and years of practical experience.
nice! once you hit a big milestone, the next comes easier. How can i reach her, if you don't mind me asking?
Who writes your headlines, DEI hires?
It's only $750/month extra.. if Your mortgage is $1500/month currently
NOTHING TO SEE HERE
movie night's of autumn
none pantiEs
xXAmen
KJV*
Upper Canada🎃
I’m closing in on my retirement and I’d like to move from Minnesota to a warmer climate, but the prices on homes are stupidly ridiculous and Mortgage prices has been skyrocketing on a roll(currently over 7%) do I just invest my spare cash into stock and wait for a housing crash or should I go ahead to buy a home anyways?
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $900,000.
Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.
Can you provide instructions on how to contact your advisor? I'm experiencing erosion of my funds due to inflation and looking for a more profitable investment strategy to make better use of them.
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 ‘’Melissa Terri Swayne’ for about two years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.