INTEREST RATES: Naiintindihan ba talaga natin?
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- Опубліковано 15 жов 2024
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The interest rate refers to the rate at which the central bank lends money to commercial banks or the rate it pays on reserves held by commercial banks. This interest rate is a critical monetary policy tool used to influence economic activity, inflation, and overall financial stability.
But do we really understand its impact on our economy and investments?
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Pwd maka invest dito ofw thank you
Super Ganda Po Ng pag kaka explain mo sir Salamat Po.
big interest rate good in currency nkakaakit sa investor and good in businesses, but will effect the price of the consumer. kaya kaylangan talga laruin ung interest rate depende sa situation ng bansa. Kapag mababa interest rates mas okay magloan kaya lng hindi ata nasusunod sa pinas.
Malaking advantage kung tayo ang exporter kaso puro nalang import. Puro labas ng pera
Ang galing talaga mag-explain ni sir Rex. Thank you!
The best talaga sir Rex. Thank you sa clarification about bond prices and yields.
Thank you po sa kaalaman❤
thanks po sir rex, always waiting your video
Salamat sir Rex, for another informative video
Thanks for the detailed yet simple discussion, Boss!
solid learning the capital markets. more power to rampver
Thank you sa learning boss rex
Sir rex legit po ba Ang img Doon po ako kumuha NG soldivo strategic growth fund
Thanks Sir Rex, highly appreciated😊
Thank you, Boss Rex, for the interesting topic on monetary policy. Lower interest rates boost borrowing and spending, while high rates encourage saving and slow economic growth. They also affect inflation and the stock market as well! Thanks for the clear explanation. Mabuhay!💪
Interest rates is a the price you pay for borrowing.
Very imformative content of topic sir Rex..
Galing sir Rex on the dot explanation ♥
Thank you so much Rampver Boss Rex! ❤
Thanks, Sir Rex!
Thank you po at God bless po.
Iba talaga magpaliwanag ang isang Boss Rex
bumaba po ang REITS with high interest rate.
Interest rates is the price you pay for borrowing.
Inflation rates is the movement of price, ups and downs.
Market volatility has many factors, but the main culprit of it is the government too much borrowing, heavily in debt, over spending, accumulating so much government programs and entitlements. Also, the central endless monetary policy of printing money, and not tied its money to gold or precious metals to restraint its monetary policy of print print print or endless inflationary policy lead to disastrous financial armageddon of the economy.
Hello rampver Pwd ba barangay certificate para ma approved ang account para po sa prof of residence
Hi, good day! You can email your concern to info@rampver.com so we can assist you. Thank you!
Interest rate is like the price of money. When the money is cheap or the interest rates are low to negative, consumption and investments are way up. Saving is not attractive in this environment. And when the interest rates are high, the price of money is expensive. The cost of servicing the debt is high and therefore, consumption is low/or should be low. If you continue to borrow money and the servicing of debt Is unaffordable, you are on your way to default, let alone borrowing to service your debt.
The only way to solve a high interest rate and high inflation rate problem is to cut spending, stop borrowing, increase productivity, and pay all of your debt! We all hate this part, aren't we?
Oh I forgot the Keynesians who want to print money and kick the can down the road. 😅
Interest rates is the price you pay for borrowing.
Inflation rates is the movement of price.
Keynesian monetary policy is printing money leads to economic prosperity.
Austrian monetary policy is limit government spending and ties money to precious metals to stabilize the economy.
@@codelessunlimited7701 you are right by practice, but logically you are wrong.
1. "Interest rates are the price you pay for borrowing". Basically, you borrow the money but technically you buy it and pay the interest as the price of money. The mortgage or the monthly payment is not the actual money you took from a lending institution that lent it into existence. You are actually replacing it with money that Is depreciating over the time of its term. Why it is not logically borrowed? The total price you paid for settling the loan may not have the same purchasing power since you took it from the bank. Banks may be at a loss or profit in REAL RATES (adjusted for real inflation). And interest rate is the price you pay for having that money with greater purchasing power.
It can only be technically borrowed if you replace the credit with money that is equal to its purchasing power. No profit or loss. Nothing has been taken away from you, not even from the lending institution. This is confusing because none of us actually consider the REAL RATES. After all, we hate math. 🤣
2. Inflation rate cannot be the movement of prices up and down. "INFLATION" means expansion, to "expand or to inflate or grow in size" and the inflation rate is the rate of expansion of money and credit. Money and credit are on the DEMAND side. Prices go up or down, as the supply of credit and money shirks or expands/inflates, those 2 are different since one is the cause and the other is the effect.
3. Does Keynesian monetary policy-printing money-lead to economic prosperity? In the short term, yes. However, in the long run, it causes significant headaches and pain by postponing difficult decisions through money printing: prospering today but leading to real headaches due to inflation rates later on. Hence, the term 'kick the can down the road'.
4. The actual Austrian economy or monetary policy is not about limiting government spending but limiting government "INTERVENTION" and letting the market or the free market decide the price of goods and services by naturally balancing the (demand vs supply), (sound money vs goods and services). Austrian monetary policy can logically allow the government to spend more than before, IF AND ONLY IF the productivity rate is increasing. An increase in productivity will result in more government revenue and will allow HEALTHY INCREASE GOVERNMENT SPENDING.
Austrian economic theory emphasizes the importance of limiting government intervention rather than merely curtailing government spending.
Keynesians initially pegged their paper money with "commodity", but they eventually moved away from it because after they inflated the supply of money and credit, people ran to exchange it to GET THE REAL THING "gold, silver equity, real estate, etc.". Keynesians are left with their toilet paper money, blame the people, and call them speculators. Lol, it's not even speculating, people naturally want the real thing and not the paper money.
Yes, complicated but sa tagal ng panahon our financial should alrrady understand it veryweell, it become complicated when the planner itself trying to change it not in accordance with the purpose. Mahihirapan ang central bank because pinagtatakpan Nila ang mga magnanakaw in organization
Bakit di po kayo nagrereply sa email ko. I am still waiting for my account's verification. It's been a month po. Thank you.
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@@rampverfinancials Thank you so much.
well said,,
😊
That's why we should join BRICS and stop our dependency on the U.S. dollar. Let's prioritise our own currency and strengthen our global presence economically with a solid national image.
Yan ang Hindi natin gagawin “NO to BRICS” You should know what they are up to. This leads to ONE WORLD ORDER. Napakababaw ang utak mo PERA PERA ka lang including your soul. You need to research to live under a one world order agenda. They’ll change your DNA and rub shoulders with a robots? You can not afford to sell yourself for such a thing. It is a hell on earth if you understand what I mean. So STOP it. Don’t invite others, because you are DECEIVED yourself. Ang tunay na Pilipino have a very STRONG discernment . We are resilient people.
BRICS that are dominated by communist country. And remember China is dominating mostly all BRICS agenda.
We don't want Chinan at all