The negative impact of SVB and SI debacles has been reflected in the regional bank ETF (KRE) which has witnessed a decline of over 20%. This event has triggered contagion effects, dragging the entire market lower. However, historically speaking, a localized and narrow contagion of this nature presents an opportune time to invest in strong, financially stable companies with substantial cash reserves on their balance sheets.
Indeed, the recent market downturn serves as evidence that a vast majority of individuals lacked a sufficient understanding of the underlying financial dynamics at play.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser?
@@EmilyMoore-n7n My financial advisor, Susan Bauer Normansell, is a highly qualified and experienced professional in the financial market. She possesses a broad understanding of portfolio diversification and is recognized as an expert in this field.
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 stocks and wait for a housing crash, or should I go ahead to buy a home anyways?
I’m avid for dollar cost averaging and we know time in the market beats timing the market, so perhaps now could be the perfect time to talk to a specialist financial adviser for a plan that can weather any storm
I'm honestly thinking there will be a lot of undervalued foreclosures on the market within the next year. Look for a new build someone bought and now can't afford. I bought my retirement home before the pandemic, so I opted to invest in gold. It's a very solid investment and not subject to market changes.
I want to share with you my personal experience with investing, everyone needs more than their basic salary to be financially secure. The best thing to do with your money is to invest. Money left in savings always ends up used with no returns. I started investing in the financial market mid March 2022 with the help of a well-known professional and have just bought a home. it's really amazing
So many fakes who promise the moon but MARGARET ANN WARNKEN is the true broker and doesn't make any outlandish claims about her techniques. I have been trading with her for more than 3 years now.
@@miguelasilvestre Hi, I would advise you to look up her name on the web and you will find her webpage to connect with her directly for a free consultation.
The institutional founders pulled their money first and created the bank run. The same people who sit there day after day year after year decade after decade say don't take your money out of the bank or stock market.
@@danielhutchinson6604 and this is the ONLY game this system knows how to play. Fools worry so much about crime on the “street”, but no one talks about the biggest crime ripping all of us off.
(With apologies to Mr. Rogers) Hello, friends. Do you know what a "Confidence Man" is? Can you say the word Confidence? I knew you could... Wall Street is a den of Vipers. A Pox upon them.
How many Banks hold the $16 trillion of Consumer Debt? The Credit Cards that replaced Cash after 2008, appear to have accumulated a pile of bills? What bankers have the most? What group is noticing layoffs cutting into the payment plans? "Could be Bad." .............Troy Tschudi
I'm attempting to create retirement plans, and I know that economic downturns are when a lot of individuals profit. A podcast I listened to featured a person who made $150K in profit in less than a month. Any advice would be appreciated.
@Rory Peralta You are correct. Due to the downturn, my personal portfolio, which had about $550k, also suffered greatly in January. I instantly made contact with a financial advisor who came up with a defensive plan to safeguard and benefit from my wealth through this difficult time. Since then, I've earned almost $120,000.
WOW! "HTM is the new CDO!" Hold on cause this is going be a ride for the ages boys! She said it, Peter deflected, FED pivot or Paul Volcker! Chickens are coming home to roost!
WOW! "HTM is the new CDO!" Hold on cause this is going be a ride for the ages boys! She said it, Peter deflected, FED pivot or Paul Volcker! Chickens are coming home to roost!
It means time is up on America it’s China’s time now. America is a joke and it’s only plan to survive is to make its own people unemployed. All those years of getting assets cheap from Afghanistan and Iraq and loook at the end result failure
what a joke when the host asks if they could return the bonds to the FED to get cash , was he expecting the Fed to return at par value hahaha , even first year finance students will know the answer to that
This is not a 'classic run'! A classic run took weeks. This is a modern run. Depositors took their cash out of this bank OVERNIGHT! The markets are very different from the 80s and 90s. This channel desperately needs new blood and modern and current perspectives.
I dont understand how what banks do is not money laundering and insider training? Is it because we grant them the ability to do what they want with our money?
SVB was solvant and it had the assets to cover. The problem is the FED. If the FED had got in earlier to assist this Bank the run wouldnt have happened. They knew they had sold the Treasury bonds & @ what the interest rates were & could have assisted the Bank easy. SVB had no security management but someone should have seen the red light & the FED should have known this?? On top of that you get Biden saying those responsible will be dealt with which has nothing to do with it. Well that just spooks investors hence the worst thing to say. Blame the FED & Biden for this as he always blames Trump as per usual. Now they lose face as they are bailing out when Yellen said there would be no bail out.
🙅 Orszag's inappropriate monetary policy suggestion reduces the credibility of the Fed's inflation-fighting commitment and leads to inconsistent, less effective monetary policy that gives mixed, unclear signals to economic actors and stakeholders. Monetary policy is too blunt, time-delayed to operate surgically in a stop-and-pause manner.
Our biggest tech companies pulled back late 2022/early 2023. They rebalanced (laid workers off), whether they were profitable or not. Why is it so shocking that the strength of Silicon Valley Bank, which probably deals heavily in tech, is questionable right now? The days of throwing money into tech hand over fist are over. Of course they can't raise any capital, Silicon Valley is on a diet.
If you want to hold zero coupon bonds in an environment of interest rate hikes, then buy bonds that are only three months away from maturity. Obviously, the length of term remaining determines the risk.
this guy is such a liar, he tells us % rates are STILL HIGH, lol oh really? inflation is officially 7% and rates are 4% and he says % rates are still high? lol what will he call it when % rates are 8%?
Sure, the confidence is flipping high.. nobody here has a job.. I the fact I have seen a video two(?) months ago where Bank's CEOs were discussing with FED how they are going to tell people that them Banks went bust. And they were joking about it at that table.
WOW! "HTM is the new CDO!" Hold on cause this is going be a ride for the ages boys! She said it, Peter deflected, FED pivot or Paul Volcker! Chickens are coming home to roost!
@@lonyo5377 Touché. During qe, ¾ of banks favored AFS. Because of FED qt, bond prices continue to fall. Banks need to stop hemorrhaging so what do they do? Reclassify their AFS's as HTM's. Not so liquid, many penalties in a volatile time á la "Silicon Valley Bank" (16th largest bank). JP has to make a decision, pivot (help the banks) or Volcker us out of this spiral. Either way, PAIN!!!
The Emergency Economic Stabilization Act of 2008, often called the "bank bailout of 2008", was proposed by Treasury Secretary Henry Paulson, passed by the 110th United States Congress, and signed into law by President George W. Bush. It became law as part of Public Law 110-343 on October 3, 2008, in the midst of the financial crisis of 2007-2008. change to this A bail-in is a form of financial relief for a financial institution. It provides relief for an institution that is at risk of failure. It does this by making it so that any debt that is owed to depositors and creditors is canceled. A bail-in is not the same as a bailout Can a bank take your money in a bail-in? Banks have the authority to take control of any capital that fits the criteria as per the law. This means anyone who has an account that exceeds the $250,000 insured limit may be affected. Anything above that amount can be used for bail-in purposes.
SVB might well be yat another reason that the Fed will try to keep real interest rates low and as a result it will take longer to get inflation down. One more reason for buyers of nominal long term debt to insist on more of a term premium before buying.
In the Quran, there are several verses that discuss the issue of interest or usury in transactions. The general message is that interest-based transactions are considered a sin and are prohibited. The following verses are some examples:
Analyst: "Powell needs to halt rate increases, see how this plays out." Powell: "Screw that! I will keep raising rates until I rein in inflation! F*** YOUR FEELINGS!" *Bank Run Contagion triggered.*
while the eastern world expands.. here we are shutting down our busineses.. there was so many other ways to tackle inflation then increasing rates. a grade 4 can come every 2 months and say raise rates.. we need more straregy to tackle the inflation. this has been an attack on homeowners and the hard working americans... failed analysis of who is spending and how to tackle that
Uh oh! Cracks in the Dam? I don't think so. Overall banks are very healthy, especially the largest banks around the globe. Central bank keeping rates at zero for over a decade allowed all banks to recapitalize and right size their balance sheets.
"Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, 'Trade is [just] like interest.' But Allah has permitted trade and has forbidden interest." (Quran 2:275)
"O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger." (Quran 2:278-279)
This is a result of a system of “12 elders” who get to decide on the most important economic factor for the entire world, cost of money. All this under the auspices of a so called free market system. When the 12 elders go senile, and then unchecked by media LJE CNBC, this is what happens.
The negative impact of SVB and SI debacles has been reflected in the regional bank ETF (KRE) which has witnessed a decline of over 20%. This event has triggered contagion effects, dragging the entire market lower. However, historically speaking, a localized and narrow contagion of this nature presents an opportune time to invest in strong, financially stable companies with substantial cash reserves on their balance sheets.
Indeed, the recent market downturn serves as evidence that a vast majority of individuals lacked a sufficient understanding of the underlying financial dynamics at play.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser?
@@EmilyMoore-n7n My financial advisor, Susan Bauer Normansell, is a highly qualified and experienced professional in the financial market. She possesses a broad understanding of portfolio diversification and is recognized as an expert in this field.
Researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
good theory but i will just watch and not take my chance until secular bull returns years later
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 stocks and wait for a housing crash, or should I go ahead to buy a home anyways?
I’m avid for dollar cost averaging and we know time in the market beats timing the market, so perhaps now could be the perfect time to talk to a specialist financial adviser for a plan that can weather any storm
@Alex Malkin this is huge result! who is this person helping you please, if you don't mind me asking? I'm a complete newbie
We are waiting for the housing market to crash
@Alex Malkin you don't need a financial advisor unless you have no clue what's going on
I'm honestly thinking there will be a lot of undervalued foreclosures on the market within the next year. Look for a new build someone bought and now can't afford. I bought my retirement home before the pandemic, so I opted to invest in gold. It's a very solid investment and not subject to market changes.
Well that escalated quickly.
I’m so happy they rejected our bank account opening application 😂😂😂😂
Haha. Karma. Lol
2:40 This is not a Fed induced mess. This is a SVB induced mess
I want to share with you my personal experience with investing, everyone needs more than their basic salary to be financially secure. The best thing to do with your money is to invest. Money left in savings always ends up used with no returns. I started investing in the financial market mid March 2022 with the help of a well-known professional and have just bought a home. it's really amazing
I know a couple of friends who make a whole lot of money 💰 trading the financial market.😊
@@jeremybowen-ot9ww True. I have learned candle stick pattern reading from MARGARET ANN WARNKEN, She's the broker that made me my financial freedom.
So many fakes who promise the moon but MARGARET ANN WARNKEN is the true broker and doesn't make any outlandish claims about her techniques. I have been trading with her for more than 3 years now.
@@donnabrannan1448 Hello, I am a new investor and I would like to know more about the service she offers. Thanks.
@@miguelasilvestre Hi, I would advise you to look up her name on the web and you will find her webpage to connect with her directly for a free consultation.
The problem with confidence is that it is a valuable, intangible asset that is pegged and entrusted to worthless, tangible entities and parties.
The institutional founders pulled their money first and created the bank run. The same people who sit there day after day year after year decade after decade say don't take your money out of the bank or stock market.
maybe they wanted a higher yield on the money they had left. More will do .
A run on the banks turns into a phenomenon known as "A Bank Panic" when enough of them participate all at once in the chaos.
That in turn makes various stock fall and turns into phenomenon known as "A Panic selling"
I love the statement “depends on confidence”. Can anyone tell me where the phrase “con man” comes from?
Like buying Real Estate Bonds bundled by Leaman Bros?
@@danielhutchinson6604 and this is the ONLY game this system knows how to play.
Fools worry so much about crime on the “street”, but no one talks about the biggest crime ripping all of us off.
(With apologies to Mr. Rogers) Hello, friends. Do you know what a "Confidence Man" is? Can you say the word Confidence?
I knew you could...
Wall Street is a den of Vipers. A Pox upon them.
Powell and Fed can bailout California Silver gate bank and other banks
@@danielhutchinson6604 Unfortunately right
Jimmy Stewart had a run on his bank in It's a Wonderful Life...if you need a dumbed-down version of what one looks like check it the movie.
Dumbed down? Wait til Monday pal it’ll look like a doco.
How many other banks are holding onto chinese realestate bonds?
And Ukraine real estate bonds.
How many Banks hold the $16 trillion of Consumer Debt?
The Credit Cards that replaced Cash after 2008,
appear to have accumulated a pile of bills?
What bankers have the most?
What group is noticing layoffs cutting into the payment plans?
"Could be Bad." .............Troy Tschudi
Mark to market has a nice ring to it, doesn’t it? Haven’t heard THAT phrase since, O, 2008
Oh boy, I have not heard to term "Mark to Market" in a while and when I did, it was not a good time period!
No bailouts!
Yup, the bankers should pay the price not the public. Bailouts are robbery of public funds to the banks pocket.
I'm attempting to create retirement plans, and I know that economic downturns are when a lot of individuals profit. A podcast I listened to featured a person who made $150K in profit in less than a month. Any advice would be appreciated.
@Rory Peralta You are correct. Due to the downturn, my personal portfolio, which had about $550k, also suffered greatly in January. I instantly made contact with a financial advisor who came up with a defensive plan to safeguard and benefit from my wealth through this difficult time. Since then, I've earned almost $120,000.
@@samanthaesteraherrera4847 I will like to get in touch with your adviser
@@stephaniebender8319 Claudia Frade Ferreira has been handling two of my portfolios personally for nearly a year.really effective at what she does
@@samanthaesteraherrera4847 Thanks a lot for the tip
Why would anyone keep any money at a bank when short term treasuries are paying 5%?
Bro, i bought VRITKN7000x in September after your video. i'm up 79%.
Reminds me of the Big Short when Goldman told Michael Burry the price hasn’t changed because they will not mark to market
Exactly, So how much toxic, MBS of COMMERCIAL Real estate, liar loans, is there ? It's the GFC , all over again.
WOW! "HTM is the new CDO!" Hold on cause this is going be a ride for the ages boys! She said it, Peter deflected, FED pivot or Paul Volcker! Chickens are coming home to roost!
@Dan SVB executives were obviously geniuses
‘Conspiracy theorists’ predicted this but the bank claims it was Sooprised. Sure, pull my other leg.
This guy is taking his book wanting the Fed to pause.
WOW! "HTM is the new CDO!" Hold on cause this is going be a ride for the ages boys! She said it, Peter deflected, FED pivot or Paul Volcker! Chickens are coming home to roost!
What does this mean for interest rates?
It means time is up on America it’s China’s time now. America is a joke and it’s only plan to survive is to make its own people unemployed. All those years of getting assets cheap from Afghanistan and Iraq and loook at the end result failure
Allowing low quality debt to be used as capital to leverage loans off of is a mistake.
SVB's problems had nothing to do with their loans
what a joke when the host asks if they could return the bonds to the FED to get cash , was he expecting the Fed to return at par value hahaha , even first year finance students will know the answer to that
This is not a 'classic run'! A classic run took weeks. This is a modern run. Depositors took their cash out of this bank OVERNIGHT!
The markets are very different from the 80s and 90s. This channel desperately needs new blood and modern and current perspectives.
4:15) "Peter, we have a vast system designed to prevent a bank run." Apparently, the system is only half "vast."
I dont understand how what banks do is not money laundering and insider training? Is it because we grant them the ability to do what they want with our money?
It was 60 bucks after hours & now can't bring up the charts
SVB was solvant and it had the assets to cover. The problem is the FED. If the FED had got in earlier to assist this Bank the run wouldnt have happened. They knew they had sold the Treasury bonds & @ what the interest rates were & could have assisted the Bank easy. SVB had no security management but someone should have seen the red light & the FED should have known this?? On top of that you get Biden saying those responsible will be dealt with which has nothing to do with it. Well that just spooks investors hence the worst thing to say. Blame the FED & Biden for this as he always blames Trump as per usual. Now they lose face as they are bailing out when Yellen said there would be no bail out.
2008 all over again. Will we ever learn........no.
And the late 1987ish before that
🙅 Orszag's inappropriate monetary policy suggestion reduces the credibility of the Fed's inflation-fighting commitment and leads to inconsistent, less effective monetary policy that gives mixed, unclear signals to economic actors and stakeholders. Monetary policy is too blunt, time-delayed to operate surgically in a stop-and-pause manner.
Our biggest tech companies pulled back late 2022/early 2023. They rebalanced (laid workers off), whether they were profitable or not. Why is it so shocking that the strength of Silicon Valley Bank, which probably deals heavily in tech, is questionable right now? The days of throwing money into tech hand over fist are over. Of course they can't raise any capital, Silicon Valley is on a diet.
Layoffs have been trivial.
Fed pause? Jesus. The market will fkin rally if that was the case and guess what will happen. Inflation.
The market rising does not cause inflation to rise.That’s not historically accurate
@@cobicobi6417 never said it will "cause" inflation. Its what will likely happen given the current ecnomic conditions right now. So STFU
@@ChazK47 Oh you’re the youtube comments tough guy today
Silly - con - Valley Bank
The name tells you all 😃
It’s very irresponsible to call this ‘classic’ run on bank. It’s not. Don’t lie to us.
If you want to hold zero coupon bonds in an environment of interest rate hikes, then buy bonds that are only three months away from maturity. Obviously, the length of term remaining determines the risk.
two months, for the next six months
More debt in the economy than the economy needs hence inflation. Overvalued collateral affects all prices in this way.
over leveraged banks are not a Fed issue
America and the Fed is finished it’s China’s time now
this guy is such a liar, he tells us % rates are STILL HIGH, lol oh really? inflation is officially 7% and rates are 4% and he says % rates are still high? lol what will he call it when % rates are 8%?
Sure, the confidence is flipping high.. nobody here has a job.. I the fact I have seen a video two(?) months ago where Bank's CEOs were discussing with FED how they are going to tell people that them Banks went bust. And they were joking about it at that table.
If fed doesnt increase rates in fear of banks going under, then we are in for a stagflation for decades just like Japan..
Just like Japan? You're crazy son! These couldn't be more different situations. You should delete that comment and replace it with an apology boy.
WOW! "HTM is the new CDO!" Hold on cause this is going be a ride for the ages boys! She said it, Peter deflected, FED pivot or Paul Volcker! Chickens are coming home to roost!
She's an idiot
@@lonyo5377 what part do you disagree with? Be specific and counter.
@@smooshstar Basel III
@@lonyo5377 Touché. During qe, ¾ of banks favored AFS. Because of FED qt, bond prices continue to fall. Banks need to stop hemorrhaging so what do they do? Reclassify their AFS's as HTM's. Not so liquid, many penalties in a volatile time á la "Silicon Valley Bank" (16th largest bank). JP has to make a decision, pivot (help the banks) or Volcker us out of this spiral. Either way, PAIN!!!
Peter Schiff was right.
I withdrew all my cash
From SVB or your own bank?
LoL No way you have an account there!
@@meehanasap It's time to withdraw your cash from your bank. Just keep enough in to pay the bills.
@@meehanasap SVB
The Emergency Economic Stabilization Act of 2008, often called the "bank bailout of 2008", was proposed by Treasury Secretary Henry Paulson, passed by the 110th United States Congress, and signed into law by President George W. Bush. It became law as part of Public Law 110-343 on October 3, 2008, in the midst of the financial crisis of 2007-2008. change to this A bail-in is a form of financial relief for a financial institution. It provides relief for an institution that is at risk of failure. It does this by making it so that any debt that is owed to depositors and creditors is canceled. A bail-in is not the same as a bailout Can a bank take your money in a bail-in?
Banks have the authority to take control of any capital that fits the criteria as per the law. This means anyone who has an account that exceeds the $250,000 insured limit may be affected. Anything above that amount can be used for bail-in purposes.
GET OUT OF THE BANKS PEOPLE
Truly love your candidness, I DCAed today again for BTC VRITKN7000x and ETH
SVB might well be yat another reason that the Fed will try to keep real interest rates low and as a result it will take longer to get inflation down. One more reason for buyers of nominal long term debt to insist on more of a term premium before buying.
Best to get your "uninsured" money out on the banks until at least after the Market reacts in the next few weeks.
If you have over $250k in this bank are you screwed?
In the Quran, there are several verses that discuss the issue of interest or usury in transactions. The general message is that interest-based transactions are considered a sin and are prohibited. The following verses are some examples:
I think everyone should just buy $RBLX stock and 2025 Options and call it the day.
This situation proves the Federal reserve has overshot its mark.
I don't know who this lady is, but she did a great job with Charlie Munger and reminds me of Kristin Wiig:)
what caused the run
How do you feel about VRITKN7000x moving into the nft marketplace? Is it still a buy?.
🤮🤮🤮🤮🤮Revolving Door and not hiding it 🤮🤮🤮🤮🤮🤮🤮
This is OK the Federal Government is going to default on the Debt ceiling soon anyway.
They were heavy in mortgage bonds 😂😂😂😂
Game over
What's better holding into crash or being safe with VRITKN7000x tell me
Analyst: "Powell needs to halt rate increases, see how this plays out."
Powell: "Screw that! I will keep raising rates until I rein in inflation! F*** YOUR FEELINGS!"
*Bank Run Contagion triggered.*
Seems like a Pump and dump pattern. The government should print more funny money soon. More money is more fun
Why is VRITKN7000x doing so well? That is concerning to me.
Get out of JP Morgan. Cramer just crashed it 😂
should you sell a little of VRITKN7000x when you start to make a profit or just hold?
Yet another reason not to go Digital Dollar
will somebody buy svb?
get out of all banks
No more free lunches.
It's not panic if I first out the door. Hold all you want peeps I finding higher yield savings or bond.
Peter orzsag has a funky hairpiece
No more QE(cocaine) burn baby burn.
customer's trust is everything when you run the economy on fiat!! lol
gov bailout by another name. bond losses are the new CDO
Jeremiah Baba predicted this.
if nothing else, Peter can afford a cheap looking Hair Piece. SVB has already lost a Ton of Cash . Will Powell cut rates on Monday ?
Lehman brothers
while the eastern world expands.. here we are shutting down our busineses.. there was so many other ways to tackle inflation then increasing rates. a grade 4 can come every 2 months and say raise rates.. we need more straregy to tackle the inflation. this has been an attack on homeowners and the hard working americans... failed analysis of who is spending and how to tackle that
Lehman brothers 2.0
Good question, bad answer.
You should buy ETH and VRITKN7000x if you care about your future
The crash is coming. 😎💔
Uh oh! Cracks in the Dam? I don't think so. Overall banks are very healthy, especially the largest banks around the globe. Central bank keeping rates at zero for over a decade allowed all banks to recapitalize and right size their balance sheets.
Go to 0 baby!!!!!!
Blackrock/Vanguard to the Rescue?
Great Expert. Duh 🙄
"If you do what you always did, you will get what you always got." --Anonymous
Buy some Bitcoin while you still can. The house of cards is falling over.
Bitcoin is proof of work ❤️
Hindenberg report...... couldn't publish a report on this...hahahahahahahahahahahahahahahahahahahahahaha
make sure ceo+ coo get $100 million bonus.....im sleepin with his daughter wanna get paid LOLOL
"Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, 'Trade is [just] like interest.' But Allah has permitted trade and has forbidden interest." (Quran 2:275)
Best thing to do is just buy and DRS more GME
LOL
As long as Elon loses….
🤣🤣🤣
"O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger." (Quran 2:278-279)
Peter Thiel
First domino to fall
This is a result of a system of “12 elders” who get to decide on the most important economic factor for the entire world, cost of money. All this under the auspices of a so called free market system.
When the 12 elders go senile, and then unchecked by media LJE CNBC, this is what happens.
They wear small hats