Why Hundreds Of U.S. Banks Are At Risk Of Failing

Across the U.S., hundreds of small and regional banks are feeling stressed and may be at risk of failure. Of about 4,000 U.S. banks analyzed by the Klaros Group, 282 banks face stress from commercial real estate exposure and potential losses tied to higher interest rates. Most banks facing risks are categorized as small, or community, banks. Though the risk is less systemic compared to the Big Banks, community and regional banks are an important source of credit to local businesses and governments. “There’s no doubt in my mind there’s going to be more bank failures,” former chair of the U.S. Federal Deposit Insurance Corporation Sheila Bair told CNBC. Watch the video to learn more about the risk of commercial real estate, the role of interest rates on bank balance sheets and what it may take to relieve stress on banks - from regulation to mergers and acquisitions.
Chapters:
1:40 Chapter 1 - Stressed banks
4:56 Chapter 2 - Commercial real estate
6:21 Chapter 3 - ‘Unrealized’ losses
7:51 Chapter 4 - Rescuing banks
9:58 Chapter 5 - Regulation
11:57 Chapter 6 - Bank failures
Produced and Edited by: Andrea Miller
Reporting by: Hugh Son
Animation: Christina Locopo
Supervising Producer: Lindsey Jacobson
Additional Footage: Getty Images
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Why Hundreds Of U.S. Banks Are At Risk Of Failing

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  • @JanineJ.Cromwell
    @JanineJ.Cromwell2 күн бұрын

    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.

  • @BeverleeR.Ziegler

    @BeverleeR.Ziegler

    2 күн бұрын

    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.

  • @_EduardoAzevedo

    @_EduardoAzevedo

    2 күн бұрын

    I agree, before the pandemic got real serious, I used to handle all my investment and I was pretty good at it, fast forward to post-pandemic and my-portfolio is steady in the red with profit rate down to the lowest, that's when I touched-base with a coach I saw featured on businessweek, who restructured my portfolio and over the last couple months, I've made over $850k from initially $210K

  • @DanielFerreira596

    @DanielFerreira596

    2 күн бұрын

    in as much as 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?

  • @TruTraderFX

    @TruTraderFX

    16 сағат бұрын

    So true ! Perfectly said

  • @AnnieBeckford
    @AnnieBeckford18 сағат бұрын

    The main focus for markets now is Nvidia, which has powered a large chunk of the S&P 500’s recent earnings. Nvidia’s stock, up more than 90% this year, rose 2.5% in New York on Monday, sending the Nasdaq 100 index to another record high. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...

  • @LizzieMcG_bahdi3

    @LizzieMcG_bahdi3

    18 сағат бұрын

    I think the next big thing will be A.I. For enduring growth akin to META, it's vital to 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.

  • @SamanthaCole-yq4ov

    @SamanthaCole-yq4ov

    18 сағат бұрын

    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.

  • @AlisonStone-yc9ri

    @AlisonStone-yc9ri

    18 сағат бұрын

    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

  • @SamanthaCole-yq4ov

    @SamanthaCole-yq4ov

    18 сағат бұрын

    Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

  • @CatherineBates-bg4fc
    @CatherineBates-bg4fc2 күн бұрын

    It's a common misconception that when a stock you buy skyrockets, the smart thing to do is sell it (or at least sell some of it) to lock in your profits. But the context matters. If the stock has increased sharply because the business is performing exceptionally well, it could still be a bargain. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas

  • @FrankBoston-lw5nk

    @FrankBoston-lw5nk

    2 күн бұрын

    I think the next big thing will be A.I. For enduring growth akin to META, it's vital to 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.

  • @JaneGallagher-ur9jp

    @JaneGallagher-ur9jp

    2 күн бұрын

    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.

  • @SheileyLuna

    @SheileyLuna

    2 күн бұрын

    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

  • @JaneGallagher-ur9jp

    @JaneGallagher-ur9jp

    2 күн бұрын

    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.

  • @AlejandraIgnacio-vv8tx

    @AlejandraIgnacio-vv8tx

    2 күн бұрын

    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

  • @NicholasBall130
    @NicholasBall13014 күн бұрын

    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?

  • @StacieBMui

    @StacieBMui

    14 күн бұрын

    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

  • @RafuqueAhmed117

    @RafuqueAhmed117

    14 күн бұрын

    Exactly, most youtubers said the market would be fine few months back, but it's been a major downturn. Luckily, since the rona-outbreak in 2020, I've avoided the drawback of trial and error by simply following professional guidance. I'm semi-retd and work only 7.5 hours weekly, with nearly $1m ROI after subsequent investments to date.

  • @JerryOrion

    @JerryOrion

    14 күн бұрын

    this is incredible! how can I vet your advisor, mind sharing info, if you please?

  • @RafuqueAhmed117

    @RafuqueAhmed117

    14 күн бұрын

    Finding financial advisors like Sonya lee Mitchell 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.

  • @plopzzzzzz

    @plopzzzzzz

    3 күн бұрын

    Buy SILVER TODAY 🍿🤓🚀🚀🚀🚀🚀🤯🚀🚀🚀🚀🚀🚀🚀🤯🤯🤯🤯🤯💰💰💰💰💰💰 Or be bailed in

  • @sarawilliam696
    @sarawilliam69619 күн бұрын

    I still blame the FEDs for this, because in the end they benefit by either buying off the failed banks cheaper or something. The fed can print credit as long as someone will borrow it into existence, but they cannot print product (or production).

  • @Pamela.jess.245

    @Pamela.jess.245

    19 күн бұрын

    People are going through real life crisis, think now isn't a time to point fingers. Everyone should always be prepared for the unexpected to happen. That is how randomness works.

  • @PatrickFitzgerald-cx6io

    @PatrickFitzgerald-cx6io

    19 күн бұрын

    You're right! Now that the market is in decline, I know what I want to do, but I'm not sure which stocks to buy, which investments would yield the best profits, etc. The potential gain is greater due to the risk, and professionals are better at negotiating such exact contracts. Right?

  • @KaurKhangura

    @KaurKhangura

    19 күн бұрын

    Very true, I started investing in 2018 with no prior knowledge or expertise, and by the end of 2019 I had earned a profit of approximately $750k. I had simply been following the guidance provided to me by my financial adviser. This shows that you don't even need to be a great investor or put in a lot of effort; all you actually need is a professional to help you.

  • @brucemichelle5689.

    @brucemichelle5689.

    19 күн бұрын

    Impressive can you share more info?

  • @KaurKhangura

    @KaurKhangura

    19 күн бұрын

    There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’COLLEEN ROSE MCCAFFERY” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

  • @JordanReam8186
    @JordanReam81868 күн бұрын

    is it really worth investing in stocks in 2024, I’ve been on the sidelines watching the market for awhile and it seems to be pretty stagnant to me not that it matters because I’m in it for the long run, but how can one generate actual profit in this current market?

  • @Redwood4040

    @Redwood4040

    8 күн бұрын

    It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.

  • @Christine-wp2bw

    @Christine-wp2bw

    8 күн бұрын

    Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.

  • @EthanMaloney-qp4lh

    @EthanMaloney-qp4lh

    8 күн бұрын

    Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance.

  • @ElenaFrankfurter

    @ElenaFrankfurter

    8 күн бұрын

    Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info

  • @xyzzyxyzzy2

    @xyzzyxyzzy2

    8 күн бұрын

    No, she went to prison for slapping a bald man on the top of his head repeatedly.

  • @dannywalters958
    @dannywalters95812 күн бұрын

    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.

  • @PhilipMurray251

    @PhilipMurray251

    12 күн бұрын

    Easier said than done. Besides them, what are even safer options? Are we to start burying our money or what?

  • @michaeljack7359

    @michaeljack7359

    12 күн бұрын

    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.

  • @Wayne-bk1jc

    @Wayne-bk1jc

    12 күн бұрын

    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

  • @michaeljack7359

    @michaeljack7359

    12 күн бұрын

    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.

  • @TammyFIS

    @TammyFIS

    12 күн бұрын

    fr man... after what happened last year, I don't trust banks no more

  • @AlanSmith88888
    @AlanSmith8888820 күн бұрын

    The bigger megabanks like JP Morgan will just swallow them up. That was the plan all along.

  • @lenhua1947

    @lenhua1947

    20 күн бұрын

    and pay them $0 per share

  • @rugrats9839

    @rugrats9839

    20 күн бұрын

    Exactly

  • @MsVeeRose

    @MsVeeRose

    20 күн бұрын

    You’re right

  • @s.r6331

    @s.r6331

    20 күн бұрын

    I hate it cuz the small banks offer better rates.

  • @MarekKolenda-cr8vr

    @MarekKolenda-cr8vr

    20 күн бұрын

    Unfortunately right

  • @gabediaz4189
    @gabediaz418920 күн бұрын

    It's almost as if the push for continous YoY growth and pushing consumers to increase their spending isn't sustainable.

  • @danielhutchinson6604

    @danielhutchinson6604

    16 күн бұрын

    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.

  • @blumenbeet92

    @blumenbeet92

    14 күн бұрын

    Spend your money or communism wins!!!

  • @davidmella1174

    @davidmella1174

    7 күн бұрын

    fiat + central banking system with irresponsible government spending

  • @somuchfortalent

    @somuchfortalent

    6 күн бұрын

    What are you talking about? Infinite growth is a wonderful thing with no bad outcomes. Just ask cancer.

  • @lppoqql
    @lppoqql20 күн бұрын

    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.

  • @user-bh6pq9oj9l

    @user-bh6pq9oj9l

    19 күн бұрын

    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.

  • @Shredderbox

    @Shredderbox

    12 күн бұрын

    Yeah, but in the short term it made the line go up, so whats the problem? /s

  • @plopzzzzzz

    @plopzzzzzz

    3 күн бұрын

    Buy SILVER TODAY 🍿🤓🚀🚀🚀🚀🚀🤯🚀🚀🚀🚀🚀🚀🚀🤯🤯🤯🤯🤯💰💰💰💰💰💰 Or be bailed in

  • @mountainvalleymedia5836
    @mountainvalleymedia583620 күн бұрын

    Hey! I remember this one! we had one of these in 2008 That worked out great in the end (for the banks)

  • @Jen1112111

    @Jen1112111

    20 күн бұрын

    Except that was residential and not commercial.

  • @pawelek7

    @pawelek7

    20 күн бұрын

    Yes and this time is going to be scarier.

  • @shuidifengliu

    @shuidifengliu

    20 күн бұрын

    Bankers will be rescued. Wall street has lobbyists. Main street doesn't

  • @mackenziegray2090

    @mackenziegray2090

    20 күн бұрын

    Can finally buy a house cheap.

  • @dimagass7801

    @dimagass7801

    20 күн бұрын

    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 😆

  • @Brownyman
    @Brownyman20 күн бұрын

    Moral Hazard - When people know they are insulated from the consequences of their mistakes they tend to keep making them.

  • @boslyporshy6553

    @boslyporshy6553

    20 күн бұрын

    Tend sure. Also helps them get far enough to get tired of making the mistake if they last long enough.

  • @RichardKing-sx6xc

    @RichardKing-sx6xc

    20 күн бұрын

    Show me the incentives and I will show the outcomes...

  • @guilhermesavoya2366

    @guilhermesavoya2366

    20 күн бұрын

    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.

  • @powerhouseinco9664

    @powerhouseinco9664

    17 күн бұрын

    ​@@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.

  • @Rej-gc5zi

    @Rej-gc5zi

    16 күн бұрын

    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

  • @Christine-ce4xo
    @Christine-ce4xo18 күн бұрын

    Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

  • @Robertgriffinne

    @Robertgriffinne

    18 күн бұрын

    Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

  • @PhilipMurray251

    @PhilipMurray251

    18 күн бұрын

    The only issue you might have is the fear of missing out, just like everyone else. A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 5years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.

  • @Patriciacraig599

    @Patriciacraig599

    18 күн бұрын

    Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems.

  • @PhilipMurray251

    @PhilipMurray251

    18 күн бұрын

    ‘Linda Aretha Reeves’ 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.

  • @Patriciacraig599

    @Patriciacraig599

    18 күн бұрын

    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

  • @marcuscook5145
    @marcuscook514520 күн бұрын

    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.

  • @LaSombraa

    @LaSombraa

    19 күн бұрын

    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.

  • @NOBLEFILMS1987

    @NOBLEFILMS1987

    19 күн бұрын

    Yeah Well maybe people could start moving out of their Parent's Houses.

  • @michaelc1063

    @michaelc1063

    16 күн бұрын

    Wrong

  • @special_economy707

    @special_economy707

    16 күн бұрын

    @@NOBLEFILMS1987 and how will they afford it? Most people can’t even afford a studio apartment.

  • @HanSDevX

    @HanSDevX

    16 күн бұрын

    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.

  • @Jimmyrey6857
    @Jimmyrey685715 күн бұрын

    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

  • @smithlenn
    @smithlenn17 күн бұрын

    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.

  • @rannyorton

    @rannyorton

    17 күн бұрын

    Biden is worst thing that happened to us

  • @belljoe

    @belljoe

    17 күн бұрын

    TRUMP 2024

  • @latanyaconlontl5849

    @latanyaconlontl5849

    17 күн бұрын

    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

  • @Oll_704

    @Oll_704

    17 күн бұрын

    Foreign trusted banking institutions such as the Swiss .

  • @Gilded_07

    @Gilded_07

    16 күн бұрын

    buy gold

  • @greghelton4668
    @greghelton466820 күн бұрын

    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.

  • @willw7743

    @willw7743

    20 күн бұрын

    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.

  • @DABK2024

    @DABK2024

    16 күн бұрын

    ​@@willw7743another sub 100 iq voter that clearly doesn't know Capitalism actually means.

  • @StimParavane

    @StimParavane

    16 күн бұрын

    I trust them to enrich themselves at our expense. Go America...

  • @Roylamx

    @Roylamx

    14 күн бұрын

    @@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.

  • @sofianikiforova7790

    @sofianikiforova7790

    14 күн бұрын

    We don’t have capitalism though. We have a corporate welfare state disguised as capitalism.

  • @brianneholmes6547
    @brianneholmes654720 күн бұрын

    I would love to hear how Credit Unions are doing.

  • @anthonywillick9630

    @anthonywillick9630

    16 күн бұрын

    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.

  • @Iawait

    @Iawait

    14 күн бұрын

    ​@@anthonywillick9630 its almost like Socialising banks to server for its customers will allow trust and easier time in times of desperation and fear.

  • @paulm1237
    @paulm123720 күн бұрын

    Fractional reserve banking. It's like we learned NOTHING during the last econmic collapse lol.

  • @smakersify

    @smakersify

    20 күн бұрын

    Those people are probably diseased or old right now, and if they are alive they probably don't care and they are enjoying retirement.

  • @michaelm.3641

    @michaelm.3641

    20 күн бұрын

    Fractional reserve banking isn't the problem. The risk management is.

  • @CanCobb

    @CanCobb

    20 күн бұрын

    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.

  • @raylopez99

    @raylopez99

    19 күн бұрын

    @@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.

  • @kevoreilly6557

    @kevoreilly6557

    19 күн бұрын

    Nothing to do with fractional banking

  • @shiftymcgee9359
    @shiftymcgee935920 күн бұрын

    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.

  • @isaiahX7

    @isaiahX7

    20 күн бұрын

    you don’t even realize the consequences to that

  • @jairosoto2740

    @jairosoto2740

    20 күн бұрын

    The banks should've lived within their needs 🤷‍♂️​@@isaiahX7

  • @guilhermesavoya2366

    @guilhermesavoya2366

    20 күн бұрын

    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.

  • @jimbeam4111

    @jimbeam4111

    20 күн бұрын

    The global majority is moving away from the ISD. They won’t experience the depression.

  • @marcuscook5145

    @marcuscook5145

    20 күн бұрын

    @@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.

  • @JimmyA.Alvarez
    @JimmyA.Alvarez15 күн бұрын

    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.

  • @DeannaMurray-zv

    @DeannaMurray-zv

    15 күн бұрын

    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?

  • @BeverleeR.Ziegler

    @BeverleeR.Ziegler

    15 күн бұрын

    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.

  • @Erickruiz562

    @Erickruiz562

    15 күн бұрын

    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

  • @Erickruiz562

    @Erickruiz562

    15 күн бұрын

    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

  • @saulpulido9937

    @saulpulido9937

    14 күн бұрын

    Fraudsters!

  • @VVhiting
    @VVhiting20 күн бұрын

    And yet nothing will change

  • @bitcoindaddy1

    @bitcoindaddy1

    20 күн бұрын

    Opportunity comes during chaotic time. They will never let a recession go to waste…

  • @brent4073

    @brent4073

    20 күн бұрын

    If only there was some new international crypto currency everyone could buy in ETF form… /s

  • @cinpeace353

    @cinpeace353

    20 күн бұрын

    Inflation will. Every bail out involves buy bonds way over market values. The effect is pumping more money into the market like easing.

  • @yuluoxianjun

    @yuluoxianjun

    20 күн бұрын

    😂ofc,it is capitalism ill

  • @unkono

    @unkono

    20 күн бұрын

    They will kick the can down the road.

  • @Draiger_
    @Draiger_20 күн бұрын

    Banks during the depression: "Lock the doors! We are broke asf! Turn off the lights!" Average American: 💀

  • @MrLarrythehacker
    @MrLarrythehacker20 күн бұрын

    Is there a way to see the actual list of stressed banks? I'm interested to see the actual banks that are struggling.

  • @LaSombraa

    @LaSombraa

    19 күн бұрын

    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.

  • @kojack635

    @kojack635

    19 күн бұрын

    ​@@LaSombraa Good point

  • @kevoreilly6557

    @kevoreilly6557

    19 күн бұрын

    No, but look at banks offering high cd rates

  • @prashanthb6521

    @prashanthb6521

    18 күн бұрын

    Remove your money from bank and buy gold ?

  • @Roylamx

    @Roylamx

    14 күн бұрын

    @@prashanthb6521 Tell your Congrescritter to End the Fed and give everyone sound money!

  • @edm2822
    @edm282218 күн бұрын

    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!

  • @Thegingerbreadm4n
    @Thegingerbreadm4n16 күн бұрын

    People who think money is an illusion have never been homeless, starving, or in jail.

  • @bpexodus
    @bpexodus20 күн бұрын

    Here comes "Too Big To Fail" Part 2

  • @swaggery

    @swaggery

    20 күн бұрын

    Not really. Only banks that didn't account for the fact interest rates could rise are at risk.

  • @haihengh

    @haihengh

    20 күн бұрын

    @@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.

  • @peterdangelo5882

    @peterdangelo5882

    20 күн бұрын

    Correct. The NY bank that just failed passed its stress test. This is BS - All is well, all is well.

  • @CaveLife652

    @CaveLife652

    20 күн бұрын

    More like: yep, small enough to fail.

  • @paulutd69

    @paulutd69

    20 күн бұрын

    ​@@swaggeryThe banking system is intertwined. One catches a cold and it spreads.

  • @jonquindiagan7625
    @jonquindiagan762514 күн бұрын

    Thank you for sharing this!

  • @RobertH-qb5it
    @RobertH-qb5it20 күн бұрын

    Why is it that US banking is a continuous dumpster fire?

  • @unkono

    @unkono

    20 күн бұрын

    Because they want to take the whole world down with them.

  • @blueoval250

    @blueoval250

    20 күн бұрын

    THE FED.

  • @ehlava

    @ehlava

    19 күн бұрын

    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.

  • @kojack635

    @kojack635

    19 күн бұрын

    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

  • @velious2121

    @velious2121

    19 күн бұрын

    Sarbanes oxley act not being enforced. Banks just gambling with depositor money and doing whatever TF they want.

  • @BirdRaiserE
    @BirdRaiserE20 күн бұрын

    Wow, it's real estate related? Is there a single major problem in this country that isn't ultimately caused by inept land management?

  • @Somebody_else_u_know
    @Somebody_else_u_know17 күн бұрын

    Thank you for the information! 🤝

  • @ibrahimyusuf677
    @ibrahimyusuf67718 күн бұрын

    You work for 40vrs to have $1m in your retirement, Meanwhile some people are putting just $10k in a meme coin for just few months and now they are multi millionaires. I pray that anyone who reads this will be successful in life.

  • @Vivian-ej8sn

    @Vivian-ej8sn

    18 күн бұрын

    Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself.

  • @Vivian-ej8sn

    @Vivian-ej8sn

    18 күн бұрын

    Thanks to Mrs Anna Davis.

  • @Vivian-ej8sn

    @Vivian-ej8sn

    18 күн бұрын

    She's a licensed broker here in the states

  • @Magdalenaerikson

    @Magdalenaerikson

    18 күн бұрын

    YES!!! That's exactly her name (Anna Davis) so many people have recommended highly about her and am just starting with her 😊 from Brisbane Australia🇦🇺

  • @Qeexsbbbn

    @Qeexsbbbn

    18 күн бұрын

    Wow I'm just shocked you mentioned Anna Davis, thought I'm the only one trading with her

  • @morpheusmatrix9207
    @morpheusmatrix920720 күн бұрын

    You get a bailout and you get a bailout, and you get a bailout and you get a bailout and you

  • @morpheusmatrix9207

    @morpheusmatrix9207

    20 күн бұрын

    If you look under your seat mr billionaire banker sir, you in fact also get a bailout

  • @PodcastClips23969

    @PodcastClips23969

    20 күн бұрын

    Can I get a lap dance instead

  • @CosmicHarmony58

    @CosmicHarmony58

    20 күн бұрын

    WOOOOOOOHOOOOOOOOOOOOOOOO

  • @labitcoineragt3596

    @labitcoineragt3596

    20 күн бұрын

    They won’t bail out the regional banks, they only bail out the big guns

  • @MaxMan8998

    @MaxMan8998

    20 күн бұрын

    That’s why they’re talking about private capital

  • @planet7027
    @planet702719 күн бұрын

    Nearly 5000 banks are in the US and only hundreds are struggling…sounds like a controlled demolition to me

  • @davidlowe8597
    @davidlowe859720 күн бұрын

    "Hard Landing" becoming more likely, just happing in slow motion.

  • @Chad_Max

    @Chad_Max

    20 күн бұрын

    Exactly. The soft landing was always a unicorn....

  • @greghelton4668

    @greghelton4668

    20 күн бұрын

    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.

  • @mdaaaa1211
    @mdaaaa121120 күн бұрын

    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...

  • @Roylamx

    @Roylamx

    14 күн бұрын

    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!

  • @VietNguyen-vj4su
    @VietNguyen-vj4su19 күн бұрын

    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.

  • @gjd424
    @gjd42420 күн бұрын

    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.

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    Marked to market largely resulted in banks showing worse positions due to unrealized losses in securities portfolios.

  • @stevenhenry5267
    @stevenhenry526715 күн бұрын

    This is a result of interest rates being kept too low for too long and corporate office space being undesirable.

  • @darlayjones669
    @darlayjones66920 күн бұрын

    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.

  • @trollzone1

    @trollzone1

    20 күн бұрын

    Nah big banks take over the assets and deposits as these banks fail.

  • @vladimirofsvalbard9477

    @vladimirofsvalbard9477

    20 күн бұрын

    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.

  • @trollzone1

    @trollzone1

    20 күн бұрын

    @@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.

  • @bobroberts2217

    @bobroberts2217

    20 күн бұрын

    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.

  • @trollzone1

    @trollzone1

    20 күн бұрын

    @@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.

  • @NeutronRob
    @NeutronRob20 күн бұрын

    This is the result of allowing the big mega banks to form post 2008.

  • @karenshackleton6053
    @karenshackleton605320 күн бұрын

    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.

  • @frederickjack9602

    @frederickjack9602

    20 күн бұрын

    I'm surprised that you just mentioned Maria Susan here. I met her at a conference in 2018 and we have been working together ever since.

  • @JaneHarris-fg5lm

    @JaneHarris-fg5lm

    20 күн бұрын

    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.

  • @DavidWilliams-wx

    @DavidWilliams-wx

    20 күн бұрын

    Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading.

  • @MichealBull

    @MichealBull

    20 күн бұрын

    Susan’s expertise in customizing investment portfollos based on changing market conditions and personal risk profiles is exceptional it's not a one size-fits-all approach, which is crucial in crypto investing.

  • @brownvillecharles5022

    @brownvillecharles5022

    20 күн бұрын

    As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

  • @Wutizgo
    @Wutizgo15 күн бұрын

    You guys realize if you create fear it increases the likelihood of a bank run

  • @xNialx

    @xNialx

    15 күн бұрын

    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.

  • @OlyPhoenix86
    @OlyPhoenix862 күн бұрын

    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.

  • @reddevil630
    @reddevil63020 күн бұрын

    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.

  • @MrRicklynch57
    @MrRicklynch5720 күн бұрын

    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.

  • @user-te9vg7oi9f
    @user-te9vg7oi9f14 күн бұрын

    Hello! NIce to see great video! I got a lot best advices from the this video. Thank you so much for teaching and spending time to make such wonderful and educational videos :) Good Luck

  • @Heru2088
    @Heru208814 күн бұрын

    Great data,👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾🙏🙏🙏🌟⭐️💎

  • @adammontgomery7980
    @adammontgomery798019 күн бұрын

    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.

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    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

  • @TheContrarian09
    @TheContrarian0919 күн бұрын

    Y’all know what this means! Home ownership’s bout to be back on the menu boys.

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    This has nothing to do with homes. This is about commercial real estate

  • @markmagdy6150
    @markmagdy615012 күн бұрын

    I love this content

  • @tomtomtombossa
    @tomtomtombossa20 күн бұрын

    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

  • @TroyHanson-ch6nm

    @TroyHanson-ch6nm

    20 күн бұрын

    Do you believe a 5% figure ? No way its more like 25% guaranteed

  • @pritapp788

    @pritapp788

    18 күн бұрын

    McDonald's as well.

  • @andrearandecker3220
    @andrearandecker322020 күн бұрын

    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.

  • @GrantDWilliams82

    @GrantDWilliams82

    20 күн бұрын

    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.

  • @xxgoodnevil17xx

    @xxgoodnevil17xx

    20 күн бұрын

    That's what they want! We live in a capitalist society, like monopoly the game

  • @AveryFossen
    @AveryFossen2 күн бұрын

    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?

  • @leojack9090

    @leojack9090

    2 күн бұрын

    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.

  • @LucasBenjamin-hv7sk

    @LucasBenjamin-hv7sk

    2 күн бұрын

    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 $275k to approx. $550k so far.

  • @parrish8386

    @parrish8386

    2 күн бұрын

    @@LucasBenjamin-hv7sk Please pardon me, who guides you on the process of it all?

  • @LucasBenjamin-hv7sk

    @LucasBenjamin-hv7sk

    2 күн бұрын

    Finding financial advisors like Sharon Ann Meny who can help 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.

  • @KarlyNoorda

    @KarlyNoorda

    2 күн бұрын

    @@LucasBenjamin-hv7sk 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 résumé.

  • @ericpowell4350
    @ericpowell435016 күн бұрын

    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?

  • @321242
    @32124220 күн бұрын

    It’s more than time for a complete reform.

  • @Thegingerbreadm4n

    @Thegingerbreadm4n

    16 күн бұрын

    Who’s gonna do it?

  • @user-ho1pj8vm8l
    @user-ho1pj8vm8l20 күн бұрын

    And this is why you need to "get back to the office"😂😂😂

  • @julianreddick8354

    @julianreddick8354

    20 күн бұрын

    This is why you don’t, so commercial real estate can be cheaper for small buisnesses.

  • @tomsam1314

    @tomsam1314

    20 күн бұрын

    Nobody truly needs to go back to working in an office...

  • @heinrichkoenig8849

    @heinrichkoenig8849

    20 күн бұрын

    @@tomsam1314 Enjoy getting your jobs replaced by AI soon lol

  • @tomsam1314

    @tomsam1314

    20 күн бұрын

    @@heinrichkoenig8849 what’s that got to do with anything?

  • @NOBLEFILMS1987

    @NOBLEFILMS1987

    19 күн бұрын

    ​@@heinrichkoenig8849YEAH! HAHA!

  • @saininj
    @saininj20 күн бұрын

    * traumatic '08 memories intensifying *

  • @robertoburgos2940

    @robertoburgos2940

    20 күн бұрын

    THAT MORONS IN THE WHITE HOUSE HAVE TO STOP PRINTIG MONEY.

  • @Knightcraft42

    @Knightcraft42

    20 күн бұрын

    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

  • @trollzone1

    @trollzone1

    20 күн бұрын

    It’s not that bad. It’s going to be an apocalyptic scenario though for commercial real estate.

  • @marcusbrown188

    @marcusbrown188

    20 күн бұрын

    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

  • @Knightcraft42

    @Knightcraft42

    20 күн бұрын

    Why is Google always deleting my comments

  • @adrianteri
    @adrianteri20 күн бұрын

    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.

  • @timjohnshort
    @timjohnshort5 күн бұрын

    Scary stuff.

  • @liamgeorge9721
    @liamgeorge972120 күн бұрын

    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😊

  • @merrykane9183

    @merrykane9183

    20 күн бұрын

    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.

  • @Didier-lafrate

    @Didier-lafrate

    20 күн бұрын

    This sounds so good and I would like to be a party to this, is there any way I can speak with her?

  • @anesthesiawilliams4620

    @anesthesiawilliams4620

    20 күн бұрын

    Sure! She interacts on what 's Apk using the digit below 👇

  • @anesthesiawilliams4620

    @anesthesiawilliams4620

    20 күн бұрын

    🇺🇸+135

  • @anesthesiawilliams4620

    @anesthesiawilliams4620

    20 күн бұрын

    2519

  • @Boodizzle
    @Boodizzle20 күн бұрын

    There's no risk. they know they'll be bailed out. just like in 2008 & 2023.

  • @hellzshotgun

    @hellzshotgun

    20 күн бұрын

    Big banks are almost guaranteed to be bailed out. Small banks are definitely not.

  • @Lexrolla-1

    @Lexrolla-1

    20 күн бұрын

    No..this time the government can't help..this is litteraly the end of the road for QE

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    No banks were bailed out in 2023

  • @sasakikojiro8063
    @sasakikojiro806319 күн бұрын

    small banks may keep the loans in the book, that's one thing, can the borrowers repay that is the other.

  • @djm3355
    @djm335519 күн бұрын

    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.

  • @abhishekgarg5286

    @abhishekgarg5286

    19 күн бұрын

    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?

  • @Tomhyde098
    @Tomhyde09820 күн бұрын

    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

  • @willw7743

    @willw7743

    20 күн бұрын

    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.

  • @santostv.

    @santostv.

    19 күн бұрын

    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

  • @TheBlackB0X

    @TheBlackB0X

    19 күн бұрын

    @@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.

  • @MeiinUK

    @MeiinUK

    16 күн бұрын

    ​@@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....

  • @JBoy340a

    @JBoy340a

    13 күн бұрын

    ATMs will probably start disappearing soon as cash is used less and less.

  • @sirlevis7869
    @sirlevis78694 күн бұрын

    What is money? What is currency? What is value? What is a bank? What is trust? Whats the point of bank regulation/laws? What is life?

  • @Sumtoshi
    @Sumtoshi15 күн бұрын

    4:50 The FDIC only has about 4% to cover all deposits of this size

  • @CarolinaCardoso-dk7qu
    @CarolinaCardoso-dk7qu20 күн бұрын

    We gonna be just fine. What? 😮

  • @LamarPassmore
    @LamarPassmore20 күн бұрын

    For profit banks should be outlawed

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    This is possibly the worst idea ever

  • @ReflectionOcean
    @ReflectionOcean20 күн бұрын

    By YouSum Live 00:00:00 Small and regional banks face stress from real estate loans. 00:00:21 Rapid interest rate hikes threaten borrowers and banks. 00:00:41 Regulators issue confidential reports to at-risk lenders. 00:01:00 Private capital infusion can prevent widespread bank failures. 00:02:01 Community banks hold significant assets comparable to large banks. 00:02:23 Analysis focuses on banks with high commercial real estate exposure. 00:06:26 Federal Reserve's interest rate hikes impact bank asset values. 00:07:45 Banks face challenges with interest rate risk management. 00:10:08 Mergers and acquisitions in the banking sector face regulatory scrutiny. 00:12:29 Expectations of gradual bank failures over the next two years. 00:13:31 Policy priorities differ for smaller vs. larger banks in crises. By YouSum Live

  • @selenajack2036
    @selenajack203615 күн бұрын

    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

  • @shelle.angelo
    @shelle.angelo15 күн бұрын

    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.

  • @emmaarmando

    @emmaarmando

    15 күн бұрын

    ideally, you should consider financial planning to get the best results with your money, notwithstanding economy situation

  • @spacecadet6

    @spacecadet6

    15 күн бұрын

    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.

  • @noah-greene

    @noah-greene

    15 күн бұрын

    @@spacecadet6this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

  • @spacecadet6

    @spacecadet6

    15 күн бұрын

    "Gertrude Margaret Quinto" 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

  • @Lisaruthdecker.

    @Lisaruthdecker.

    15 күн бұрын

    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.

  • @totoroben
    @totoroben20 күн бұрын

    Postal banking systems, emphasis on Internet banking tools and phone/ chat support, and more credit union systems.

  • @dabda8510

    @dabda8510

    20 күн бұрын

    Oh no. That will mean less profit for the “investors/capitalists”. Will never happen.

  • @LamarPassmore

    @LamarPassmore

    20 күн бұрын

    Customer accounts need little if any maintenance especially when the infrastructure is in place

  • @josephrsalexander4589
    @josephrsalexander458920 күн бұрын

    All the capital raised to improve balance sheets has (1) been charity (2) been larger banks

  • @triple-aries
    @triple-aries20 күн бұрын

    1:53 Asbury Park lol

  • @Baptpich
    @Baptpich20 күн бұрын

    Great advertising for bitcoin 😅

  • @auro1986
    @auro198620 күн бұрын

    ask - why america funding other countries that fails banks in america?

  • @ringsaphire

    @ringsaphire

    20 күн бұрын

    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.

  • @user-zh8kd9vk3m
    @user-zh8kd9vk3m19 күн бұрын

    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. 💯

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    This is not about housing. This is about commercial real estate.

  • @silasdietrich7464
    @silasdietrich746410 күн бұрын

    How long would it take the FDIC to pay out if a bank fails with my deposit? 5 years? 10 years? Yeah im still going to be worried lady

  • @AJonVolk
    @AJonVolk20 күн бұрын

    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

    @danielcarrapa3632

    20 күн бұрын

    How would a bank earn any revenue to pay interest rates for depositors if all they were to do is store money?

  • @AJonVolk

    @AJonVolk

    20 күн бұрын

    @@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.

  • @commandoryu

    @commandoryu

    20 күн бұрын

    @@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.

  • @paradise6606
    @paradise660620 күн бұрын

    All depositors are unsecured creditors period. Change the law if you want the people to trust the system.

  • @Jason-Austin

    @Jason-Austin

    20 күн бұрын

    Correct, David Webb makes that abundantly clear in his 'Great Taking' documentary.

  • @blueoval250

    @blueoval250

    20 күн бұрын

    Shut down the Fed and outlaw money printing and then maybe I’ll consider trusting it but not until then.

  • @piratexlife
    @piratexlife20 күн бұрын

    🔥 All Good , 🔥 Nothing to Worry About…🔥

  • @arlenejohnson952
    @arlenejohnson9523 күн бұрын

    The FDIC has about 1.5% of what it needs to compensate account holders at the present time.

  • @adamkeeney398
    @adamkeeney39820 күн бұрын

    Greatest economy ever.

  • @multatuli1
    @multatuli120 күн бұрын

    Dedollarization

  • @firstlast8258

    @firstlast8258

    19 күн бұрын

    Bidenomics

  • @Aviator526
    @Aviator52620 күн бұрын

    Everything is going to be fine 😃

  • @doolittlegeorge
    @doolittlegeorge20 күн бұрын

    "Too big to fail" or when every Bank is systemically important causes problems with massive Banks who have no idea to whom or even what they are lending to not small Banks that know their customers. The fact remains if Bank America fails (again) there simply is not enough money in the World to bail out that Bank. There are also unprotected financial institutions as well that are not Banks but can act as Banks to include insurance Companies, mutual funds, hedge funds, etc. These are overwhelmingly but not exclusively based upon Wall Street and not of course in energy rich states such as North Dakota.

  • @Diaryofacountryman353
    @Diaryofacountryman35333 минут бұрын

    I've been making a lot of losses trying to make a profitable trade. I thought trading on a demo account is just like trading the real market. Can anyone help me out or at least advice me on what to do?.

  • @ChandrakantPatil-ny3xj

    @ChandrakantPatil-ny3xj

    32 минут бұрын

    I will advice you stop trading on your own if you keep losing, if you can, then get a professional to trade for you, I think that way your assets are more secured.

  • @loranuwrupeuk

    @loranuwrupeuk

    31 минут бұрын

    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!!! A. V

  • @Jamesboardmanukk

    @Jamesboardmanukk

    30 минут бұрын

    I'm favoured financially, Thank you Jesus $70000 weekly profit regardless of how bad it gets on the economy.

  • @Guibrando

    @Guibrando

    29 минут бұрын

    How ..? Am a newbie in crypto investment, please can you guide me through on how you made profit?

  • @AhmedHomework

    @AhmedHomework

    28 минут бұрын

    I'd recommend Deborah Davis, her trades is always profitable even when there's a dip

  • @skeetrix5577
    @skeetrix557720 күн бұрын

    Bidenomics, baby!

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    Unrelated

  • @WorldRaceMVG
    @WorldRaceMVG11 күн бұрын

    The American banking system is so stupid

  • @BakedBeluga
    @BakedBeluga20 күн бұрын

    Good.

  • @jerryspringer6096

    @jerryspringer6096

    20 күн бұрын

    not good

  • @TommyCarstensen
    @TommyCarstensen20 күн бұрын

    This video is from 2023 👎

  • @Steven_94
    @Steven_9420 күн бұрын

    Waiting for my puts to print

  • @jimwilson5202
    @jimwilson52023 күн бұрын

    Warren Buffett put an advertisement on the table during the anual Company meeting year ago that said : Bank for sale .

  • @romeou4965
    @romeou496520 күн бұрын

    Hey Feds, here’s 3 step solution: 1) stop printing money 2) stop funding overseas wars 3) stop creating government jobs

  • @hellzshotgun

    @hellzshotgun

    20 күн бұрын

    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.

  • @romeou4965

    @romeou4965

    20 күн бұрын

    @@hellzshotgun yep the Feds (federal govt)

  • @razorswc

    @razorswc

    20 күн бұрын

    That won't fix the issues mentioned in the video. The banks will still have stressed loans.

  • @romeou4965

    @romeou4965

    20 күн бұрын

    @@razorswc noted. But it’s what got us here so let’s prevent from reoccurring.

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    Two out of three of those are really bad ideas

  • @SweetNeoCon407
    @SweetNeoCon40720 күн бұрын

    Please get an adult to narrate.

  • @Muffles

    @Muffles

    20 күн бұрын

    ok boomer

  • @johnsmith-iq8nh

    @johnsmith-iq8nh

    20 күн бұрын

    sure grandpa, now lets get you to bed

  • @davidmella1174
    @davidmella11747 күн бұрын

    "Chancellor on the brink of second bailout for banks" 👀👀

  • @livefree1030
    @livefree103012 күн бұрын

    I had a CHASE Business account, and went with a local Community Bank as the VP for the Business Departments actually put in the work to help me get funding for capital growth. However, shortly after I diversified my money and changed over my ACH's the VP called me to inform me the bank is merging with other banks. I asked the Banker "Why", and are my "deposits FDIC insured" as I transfers more money than what FDIC would cover.

  • @googleaccount6931
    @googleaccount693120 күн бұрын

    They will get bailed out just like in 2008 😹😹

  • @virtuaguyverify

    @virtuaguyverify

    20 күн бұрын

    I wouldn't called it bailed... more like bonuses of 2008

  • @googleaccount6931

    @googleaccount6931

    20 күн бұрын

    @@virtuaguyverify I don’t remember asking for your opinion

  • @virtuaguyverify

    @virtuaguyverify

    20 күн бұрын

    @@googleaccount6931 I remember you commenting and me correcting though

  • @fadichahoud7448
    @fadichahoud744820 күн бұрын

    Bidenomics 🤣🤣🤣

  • @Quidditch2888

    @Quidditch2888

    13 күн бұрын

    That’s got nothing to do with it