The U.S. economy relies on ongoing credit and debt generation for sustenance. The Federal Reserve is expected to increase the money supply, leading to further debt accumulation for the average American. Meanwhile, foreign nations continue to desire the U.S. dollar, despite their own economies facing significant challenges, some even worse than that of the U.S. This situation raises concerns about who will ultimately bear the consequences of these economic dynamics.
They do say gold will crash in a liquidity crunch However, many of those holding precious metals are preparing for such an event. So they are unlikely to be forced sellers. The paper market would tank and hopefully collapse.
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we’re only just an information away from amassing wealth, I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this consultant that guides you help?
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Recessions are part of the economic cycle, all you can do is make sure you're prepared and plan accordingly. I graduated into a recession (2009). My 1st job after college was aerial acrobat on cruise ships. Today I'm a VP at a global company, own 3 rental properties, invest in stocks and biz, built my own business, and have my net worth increase by $500k in the last 4 years.
Let's face it... buying more stocks & index funds during stock market corrections and bear markets is scary. Which makes it really hard to do for most people like me. I have 260k I want to transfer into an s&p but its hard to bite the bullet and do it.
You need a Financial Advisor my friend so you don't get ripped off in the market. They provide personalized advice to individuals based on their risk appetite, placing them among the best of the best. There are bad ones, but some with good track records can be very good.
I know I've wanted to start investing for a few months, but just haven't had the courage to start because the market has been down for most of this year. Please how can I reckon with such skills and what are his services like?
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I switched from a bank to a credit union after the bank decided that they would charge a fee for any account that contained less than $300. I was struggling at the time being under employed so that was definitely not possible for me. my credit union requires that you live, work or worship in the county they're based in but offers interest on my checking account and only requires I maintain a $5 balance in the combined savings account. I get access to far more atms with no fees than before and the app easily allows me to transfer funds between my accounts 24/7.
I've been a member of a credit union since I was 16. It has cost me all of $5 to open my account and I've enjoyed extremely low fees with moderate interest of .1% on my checking and savings account, great service, online banking, and a 1% cost to internal ATM use. I had a single checking account with Bank Of America which I closed when they changed their account policy and stated they were going to charge me $25 dollars a year just to keep open. I can't recommend Credit Unions enough!
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@marius What about credit? What about gaining interest on money kept in a savings account? What if a business doesn't accept cash or you're trying to buy something online? With the amount of money you invest in that safe would the money not be better off at least in a savings account? What if you get pickpocketed or mugged carrying all that cash around? What if someone cracks your safe and steals everything you have to your name? At least if a bank or any similar institution gets robbed you're protected.
More misleading than untrue. The CRA and redlining laws regulate how banks reinvest in areas. Not all credit unions are insured, and when they are it still is not as good as FDIC. Less locations at smaller regionals and CUs means more foreign ATM fees. CUs don't always have the same borrowing power leading to weaker lending power. This led to the market share of mortgages after 2008 to swing to banks instead of CUs. The video also depicts three levels of banking. Big banks, small regional and CUs. This is an over generalization. No bank is in every state. Although the video mentions online banks, they are becoming serious contenders. Not all CUs and Regional banks are equal. I feel like in a 5 minute video they could have said more pros of major banks than traveling and investment in mobile banking.
I switched from wells Fargo (lying and corrupt bank) to a local credit union in 2018 and its been one of the best financial moves so far. they have a great app, online banking, big ATM network with no fee, offer many loans, and every month they give me a dividend on my deposits
Samantha Nichole same With my boyfriend he switched from chase when he had over 20,000 grand saved up in chase accounts and then wouldn't give him a credit card. Withdrew everything and went it a credit union that day
@@katherinewalker4196 yeah i went from chase to BECU. up here in WA state. i also happen to work for Boeing. i should have did this a long time ago. 6% APY on a savings account?! yeah chase aint giving even 1/10 of that LOL as a matter of fact they charge if your balance is too low...assholes
I work for chase bank and my husband and I still choose a local bank to get our mortgage, auto, and credit cards with. Even the employee benefits couldn’t be matched with our local bank.
Banks use you. You should also use them. Whenever you can get a sign up bonus, take it! Whenever you can pay off credit at a cheaper rate, take it! Then ditch those suckers and put your money back into a credit union, where you are rewarded for being there and own a piece of the pie. Rinse and repeat.
Greg Reuel That’s exactly what I’m doing, I only use big banks for their credit cards sign up bonuses and cash back rewards, I don’t even have a bank account with a big bank, I cash in all my cash back rewards to my credit unions. I also own a few shares of stocks with the big banks which pay me quarterly dividends.
Credit union member since I was 19. At 40 it's my longest and healthiest relationship. Opened an account for my 8 year old, which she says she will use to buy a home😊
When’s the last time your bank raised your card limit with a phone call or have you 500 dollars worth of credit free because you were stranded? Never Credit Unions are lit
My bank trades on NASDAQ, but they are highly customer- and community-centered. It is a regional bank, though, and not one of the huge national banks. It only has branches in 2 states.
@@MoonLiteNite you're not part owner..hardly. only in social ownership are you a owner. you only own stock because if you owned the company youd be able to vote on who gets to be the boss.
I didn't even know that online and local banks were a thing! It is so amazing how much new information you can learn in 5 minutes! I love all of these videos and I hope your channel spreads this cool and necessary info for a long time to come!
local banks are common in small towns. I'm old enough that when I started working summer jobs the local bank was my only option for depositing money. Internet banking wasn't a thing back then. Heck the internet was barely a thing back then
That's always our hope Ruby - that you can learn about a thing you didn't even know to ask about! When I was your age, I had a Wells Fargo account my parents opened for me. I kept it for 17 years til an uncle told me about CU's and I never looked back. Also, we subscribed to your channel. Keep up the good work!
I moved to Colorado from Indiana 2 years ago, and I've still been able to keep my local Indiana credit union checking because of the credit union Co-Op, and the great online banking system they have. I also opened up an online credit union account with Allliant. They have pretty fantastic interest rates and allow you to join with a one-time donation to a foster care charity :) And they have the best simple 2.5% cashback Visa card I've been able to find anywhere.
I left Bank of America in 2015 because they were charging me $12/mo because I didn’t have a certain amount in my account. I went with a credit union that has no checking fees and gives a great return on savings accounts. I love my credit union and I’m never going back!
I work for a top ten US bank (not one that was mentioned) and I'm proud to work there. They take care of both their employees and their customers and they didn't need any bailouts. Love this channel and agree with supporting local companies, including banks, but just wanted to say that not every big company or bank is bad.
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You don’t have to put all your eggs in one basket. If you think you might need the international scope of a megabank, keep some money there. But put most of it in a community bank or credit union.
You should be careful. Many megabanks have fees that apply if you don't have a high balance or a direct deposit set up. Not to mention the fact that they love fees in general and so it becomes another thing that you absolutely have to check regularly.
That's what I do. I have a decent sum of my savins in Chase but most of my Money is in my Credit and Local Bank just because I dont trust mega corps with all my money
I'm thinking of changing over from chase to a credit union. Only thing stopping me is I have a few automatic payments coming directly out of my bank account so I would have to switch over where the money comes from and I don't know where to go to do that for some of the services, might just wait until some of these things are paid off
Wouldn’t megabanks be more solvent in a collapse than small credit unions or am I missing something? The large banks seem to be the ones who get bailed out. Are small banks at large risk with depressions or are they more solvent?
@@leilanidru7506 I am Danish and have always been financially independant and currently enough savings to last about two years without salary. Most of these advice are US aimed only anyway :). For the record I am 32.. dunno if that counts young. Only loan is on the house with a 20 % downpayment and 1.5 % interest.. paid cash for a used, stable car etc. So pretty set.
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I'm also beneficiary of Stacy griffin, My initial investment capital was $6,100 but made $61,000 as profit in just the first week of trade. It was very big for me considering the fact that i have lost money in the past trying to trade on my own
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This was quite interesting to watch! I'll love to share how I've been able to understand the cryptocurrency market&I'm currently buying into the dips. If it hadn't been with the help of my broker Ms. Bambi Alex whom I got in touch with the help of a friend and must say it's been very smooth working with her so far..
Legit... my first bank was gonna be Bank of America; they wanted an initial deposit of $200 and if I dipped beneath it, I’d be fined. And MAYBE there was a monthly minimum deposit, can’t remember. My local credit union, Virginia Credit Union, just had me sign some papers and “okay sweet here’s your debit card”
habboier check again there's likely a minimum balance to avoid a monthly fee. It's too compensate the institution for things like running your transactions etc in either being paid directly in fees or by guaranteeing a certain amount of money stays within the institution that they can lend out. I Bank with a Canadian credit union and they all do that. Mine is one step below the unlimited account and the minimum is only 3000. So just keep your emergency fund in the Chequing account and you'll avoid fees all the way, never paid a bank in my entire life and i laugh at people paying 20 30 or more a month. If you go to the ATM at 7-11, pay $3 to take out cash and then buy something there you deserve to get fleeced
habboier I actually use a community bank that doesn't require a minimum balance to avoid the monthly fee ($5.99-$6.95 a month). Just add a total of $500 each month or use the debit card provided once a month. A good deal compared to the high fees of the mega banks.
Actually Credit Unions have access to the same Online and Mobile banking platforms that the big banks have. Sometimes our offerings are better than the big banks.
Problem is, the credit unions ive contacted dont have international transaction ability. You cant send or receive money from foreign accounts which are so common these days. I thought this would have evolved by now but no. Some dont even offer checking accounts, just ATM. And of course they are not open to the public, you have to be a member of something already or be referred by an existing customer or something. They have their place but are definitely not for everyone.
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I moved from Wells Fargo to a credit union, and it's been one of the best financial choices I've made. Also, my credit union's online and app presence is great.
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Same here. I open up a credit union bank and I love it! It's got things that big banks can't offer like funds availability the next day. No monthly fee and free ATM. 😁
Credit unions are the best way to go in my opinion. Local community banks are a great option as well. Either way you go, choose a local institution where your money will help the local economy.
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I've been dealing with credit unions for 22 years bought my house two cars thru a credit union paid off both cars and house early. My checking and savings accounts are with a credit union
As someone who uses a credit union... If someone steals your information via a skimmer at a gas pump. You don't get your money back and they tell you that you don't have a valid fraud claim. Then 2 days later when you buy gas and your shit gets stolen again and you know how they'll tell you again it's not a valid reason and that's that.
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I was with a national bank for 10 years and switched to a credit union. That was over 10 years ago and I am SO GLAD I DID! I'll stick with a Credit Union!
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Our local community banks kept getting bought out by the larger ones and the service level dropped drastically. We switched to a local credit union 15yrs ago and have been perfectly happy since.
Yep....that and if you move you're money doesn't move with you. They have sister credit unions but I don't have all the features I need...or at least i haven't figured out how to work it
Having worked at both, I can honestly say that both have their flaws. I can also say that both have what are perceived as flaws but are actually legal requirements to make it easier to protect your money. Travel lots and need branch access? Go big bank. Travel little, or lots but are ok with ATM access? Credit Union should be fine. But for God’s sake, bank where you live and/or work. Don’t keep account in Alberta if you’ve lived BC for the last 40 years. It’s inconvenient for you AND your bank. No wonder you get shitty service, you’re a shitty customer.
Patelco approved me on my auto refinance, while Wells Fargo declined me as a current customer. 2 days later, I became a Patelco member for all my bank needs. :)
I like the smaller scale of most credit union operation. When inside, there's hardly ever a line. Been using credit unions since 1980. Regarding size, and way off-topic, but I don't use US Post Office. I quit renting US Postal boxes in 1985. I use a private mail box service, and I love it!! A "Ma and Pa" type owned, not one of the franchise chain mail businesses. Doesn't cost hardly much more than having a conventional rented US postal box. But the private service accommodates UPS, FedEx and any other shipping/delivery services. as well as send/receive faxes. My mail, communications and all parcels are totally safe until I pick 'em up!! And everybody (all four employees) knows me there!! And there's nice copy machines I can use for cheap.
I left bank America when they charge me almost $600 from an attempt to withdraw $20, I was short by couple cents, overdraft, so 2 years ago I opened an account with a school credit union and so far is great to manage my funds.
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I refuse to let a penny of my money be touched by a big bank. I started with the local credit union in high school that my mom was apart of, and when I enlisted in the Marines I got Navy Federal which is amazing and my main bank. I use the old credit union exclusively for savings accounts
Had a credit union account for years, they even credited my account immediately instead of holding funds til Friday, only switched when I moved.... honestly thinking about switching back
Nice video 💖💝very engaging from beginning to the end. In 2 to 3 years time people will be kicking themselves in regrets for missing the opportunity not buying I'm investing in cryptocurrency
Credit unions are awesome. I've used them most of my adult life and had almost entirely good experiences. None of the hidden fees and other bs that seems to come standard with the big banks.
I like a combo of all three. Local or regional banks OR credit unions. Big international banks, so I have access wherever I am. And online banks, so I avoid as many fees and get better APYs every chance I can.
The wisest thing that should be on everyone mind currently should be to invest in different stream of income that doesn't depend on the govt especially with the current economic crisis around the world.
Was a Simple customer for years. In July 2019 they eliminated their online billpay feature effectively forcing their customers to switch banks or buy checks and stamps again as if it was the 1990s.
my parents left the big bank because they had no interest in helping my parents get out of debt, the local credit union said that they would lower the interest, and cut their debt in half if they joined so my parents did (they dropped my parents debt from 30,000 to 15,000, and lowered the interest from 22% to 8%), The credit union helped my parents get out of debt in five years.. the big bank wanted to keep them in debt and they offered no solution to help them. The only solution they offered was to pay the 30,000 with the 22% interest
Fed up with for profit banks I decided to look at switching to a credit union. At first I was hesitant because of the limited number of branches but then I discovered that you can use the ATM of any NCUA branch. I've been able to make withdrawals and deposits all over the country at local credit unions I've never heard of. Also I don't have to deal with all the random fees that banks impose for just about everything.
I asked our credit union to find us a mini van, 2 years or newer, and they set it all up so we just showed up to the dealership - signed everything and drove off. I hate salesman. I just want a van, not hours at a dealership with them wasting my time trying to run my credit at 7 different places and "talking to the manager about getting you a great deal" when I can lip read that they are talking about sports instead...
I've been using my brokerage for my bank and they've been fine for most things but I still have an account with my local credit union for some things that they cannot provide
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I have worked at both banks and credit unions throughout my career. Some banks may be bad, some may not be. Not all credit unions are perfect. Far from it. The credit union I worked at actually cared more about their bottom line and membership growth than any bank I have experienced. Bottom line, know what you want and understand how the bank/credit union works.
My mom got me to switch to an online bank. It was started by the roofers' union in the Boston area. I get interest on my checking account and I pay no fees on ATM withdrawals.
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I have an IRA in a local credit union. This year they couldn't figure out how to issue me a 1099-R so I had to use the IRS replacement form and report them. I am hoping I can transfer my funds to another institution before the end of the year.
I love credit unions but one huge hindrance is they are local. When I move to a different state this summer I'll have to close my account and open a new one in my new location... although they have sister CU I don't know if I can still do everything I need from a different state.
When I started working for the VA Hospital, I switched to their Credit Union. Because Bank Of the West would wait for my checks to all come in and start with the highest check then go down to the smallest check with the hopes that they could charge me 35 bucks per check that would bounce. I went to the manager of the bank and withdrew my money(this was 2006). Sure enough a few months later there was a class action lawsuit against bank of the west for doing that very thing.
Two weeks ago, I acquired an $18,000 loan to purchase a used pickup truck ... 2.24% APR for 48 months, (with a credit score of just over 700)... I've been banking with them since 1980....
If you aren't millioner you must consider be a your city/ town/ suburb Credit Union ( Mavy Credit union is best) member because meeting criteria is literally very hard. Sincerely, Deshan Patel.
I belong to one credit union till I retired no problem's glad to be a member . Moved to Florida Join Achieve Credit Union over the years they operate and charge like a bank . Now They're a bank masquerading as a credit union.
The question is credit unions vs. traditional community banks. Big banks do not have relationships with their smaller customers……so I do not suggest that route. But I much prefer smaller traditional community banks to a credit union. They do have deep relationships with their customers. They also have much more experienced and knowledgeable employees and officers than credit unions typically , to help their customers with a broader array of products and technology. Plus , it bothers me that credit unions do not pay corporate income taxes., nor do they participate in their local communities as fully as the tax paying community bank. If your city has a locally owned bank, try that bank and see if you agree.
I think it’s important to point out that Bank of America was forced to acquire Countrywide in 2008 by the US government. This was the reason the US government bailed them out. Clinton passed legislation that required banks and lending institutions to provide loans to low-middle income families back in the 90’s, even if these families were not deemed “credible.” Fast forward a couple decades, and the delinquencies caught up in the real estate bubble.
I left Bank of America after I learned that the started charging me $5 a month for each of my accounts out of nowhere. When I looked on their website they had tips for avoiding their own fees. How about not having fees without telling me! I've been at my local credit union for a little over a year now and they give me more money in interest that Bank of America took from me.
Not all credit union do shared branching. C level management has to pay a percentage of the budget. Some are on even military bases which restrict who can visit those credit unions...
