Scary!! I am loaded with high risk stock, and keep loading deeper and deeper! started with $35k made profit up to $46k and have lost it below $30k, my intentions are to add more capital, but really need some guidance before I lose it all
I would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for" "Expert solutions require Expert providers" - my mantra
Agreed, opting for financial advise can be a wonderful resource for getting your finances in order. At first-hand, I average 4 figure/month in dividends and my overall ROI just hit $550k. I only have 30 or so stocks with more of my investments in digital assets.
'Sharon Ann Meny' 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
With the recent rate cuts, my portfolio, heavily weighted in laddered T-bills and bonds, has taken a hit. I'm concerned about further losses and unsure whether to rebalance, liquidate assets, or ride out the volatility. At 52, the stakes feel high, and I'm starting to feel insecure about my financial future.
Stay calm, watch the news after 4 o’ clock (I watch Quest means Business) stay informed about economic changes, consider safe haven assets like gold (doing really well right now). If you lack extensive knowledge with the asset classes you are holding, review your retirement goals with a financial advisor.
That’s right! I agree with the reply above. Working with a fiduciary not just an advisor is crucial to navigating the volatile market. My portfolio is currently diversified $400K in stocks (tech, big Pharma and consumer goods) and $250K in alternatives (private equity, precious metals, cryptocurrencies), which has boomed significantly!
The Federal Reserve is aware. They have no intention of combating inflation. They will not stop inflating, and commodities and stocks will rise in tandem with everything else. You can't merely hoard cash and wait for the market to crash; instead, you need to make your money work for you by starting small and accelerating your purchases as the market continues to decline.
Although the market is currently volatile, aren't the current valuations a result of the Federal Reserve's monetary policy and low interest rates? Therefore, my recommendation is that you consult a financial advisor who can give you entry and exit points for the shares that you are interested in.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
There is an equal market chance associated with each crash or collapse. I have seen people accumulate up to $1 million during a crisis, and even make it work in a strong economy if they are prepared and well-informed. Without a doubt, the bubble/collapse is making someone wealthy.
I completely agree. It's not just about the dividends or profits, Diversifying a portfolio can be a smart move and i always advise one gets a professional to help out.
The issue is most people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt, no offense. In general, Financial Consultants are ideal reps for investing jobs, and at firsthand encounter, since Jan.2020, amidst covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
This reference seems valid.. Just looked up her full name on my browser and found her site without sweat, over 15 years of experience is certainly striking! very much appreciate it
I bought my 2007 Town and Country in Oct 2021 for $6,500 with 13,500+ miles on it. I paid $3000 with Amex, the rest was cashier's check. I earn cash back bonus from charging my Amex, I paid it to zero balance on statement due date. No debt since 1994 when I opened Amex on campus, and got a free Amex beach towel.
I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the real estate and Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
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
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Sophia Maurine Lanting turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Some experts think the fed decision could boost certain industries, while others warn it might increase inflation concerns. I'm reviewing my $600K portfolio allocations and I'm curious about strategies to respond to these potential sector impacts.
Increase exposure to interest rate-sensitive sectors like REITs and utilities, and maintain or slightly increase holdings in growth sectors like technology and consumer discretionary. For tailored advice, consider consulting a financial advisor.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
Lucinda Margaret Crist is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Great video! I really have a question. For someone with less than $5,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?
My advice: for newbies to grow financially this year, invest. Saving is good, but investing elevates your finances. Why newbie make huge losses on trade is because investing without proper guidance can lead to mistakes and losses. that will stop you from trading, this has been one of the biggest problem to new traders, I've learned this from my own experience.
I agreed, investing without proper guidance can lead to mistakes and losses. last year. I did so many mistakes but also learned so much from it, If you're new to investing or don't have much time, it's best to get advice from an expert.
As a beginner, it's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Daniel Adams Bailey. for years and highly recommend him I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Man, the Fed rate cuts are starting to mess with everything. I mean, they were supposed to help, but now I’m feeling the pinch. My savings of 600k is basically giving me nothing, and the market projection is all over the place.
Considering diversification is excellent. Now might be a good time to consult a financlal advlsor for expert advice and seize opportunities in this volatile market.
Accurate! Asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 9.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advlsor helped me realign my portf0li0 to my risk tolerance and it boomed overtime.
Partnering with a financlal advlsor has been a transformative experience for me. They offered invaluable insights and customized strategies that matched my risk tolerance and financlal goals. With their guidance, my investments have grown significantly, and I now feel more confident about my financlal future.
There's a lot of potential in the market. My friend from benghaal who now lives in manhattan introduced me to a financial advlsor in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey and still earn five figures in monthly dividends.
What's the most effective strategy for investing during this period of volatility? Most of my portfolio is in (20% Index funds, 20% CD's 30% Bonds/T-bills and other assets) I want to explore different strategies to benefit from a potential bubble.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Having a financial advisor on board is usually highly beneficial. In the market, this is how people generate enormous profits
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
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.
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
@@scapegoat413 still not wise, because if at any point you’re unable to make the payments and the car gets repossessed, you’re out that asset. You’re just introducing risk. That’s also money you could steadily be investing and making money on instead of paying it to a creditor each month. Meanwhile the car continues to depreciate while you’re making those payments.
Those days are over. Lucky folks are those that locked in 3-5 year CDs paying 4.50% - 5.25% that were available up to a few months ago. Those same CDs are paying maybe 3.5% right now.
There's no such thing as "Good Debt". Debt is people buying what they can't afford and paying more for it. It may not be bad depending on the circumstances but it's certainly not good.
Rate cuts began in September 2024 and will take 6-8 months to complete, with a potential crash by March 2025. The soft landing narrative is gaining traction, making a major recession less likely. With $1 million from a business sale, I'm looking for profitable investment opportunities over the next 3 years.
The financial market is a reliable choice. Diversify your portfolio with I-bonds, stocks (ETFs, REITs, dividend-paying stocks), and bitcoin. Given your budget, I recommend hiring a fiduciary to ensure you receive professional insights for a fee.
My demanding job leaves me with little time to analyze investments and individual stocks. For the past seven years, I've relied on a fiduciary to actively manage my portfolio and adapt to market conditions. This approach has helped me make informed financial decisions and navigate the market successfully.
The present housing market is not stifled because of interest rates rather greedy sellers with absurd expectations for what they think their house is worth.
My husband and I stopped borrowing years ago after we followed the Dave Ramsey principle we're completely debt free now, we OWN everything we have and retired in our mid 50's Thanks DR!
Good, just make sure you have enough $$$ to cover the ever rising property tax and insurance of your property that will remain as long as you have a land and or a house.
Sounds like a skeptical outlook on things then. With the rate cuts do you think it's best for us who are not conservative investors to focus on bonds or dividend stocks? I want to reallocate my 7-figure portfolio and I preferably want the assets with the best ROI.
Bonds are a safer bet. They offer good stable yields. But dividend stocks could make you a fortune if you know how to go about it. But it's always a good idea to work with a CFA. It streamline your strategy and help profit a lot.
I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds. At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case 80% stock crash, Thanks to my CFA.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
You pay off lowest debt first not highest = Dave Ramsey, the amount compounds on itself when you go higher and higher. If you try to pay off highest, you’ll wanna quit.
Still have a long way to go if we want to see 3.0% - 3.5% being offered for a 30 yr mortgage again. But then in terms of car loan, some manufacturer direct financial services offered 2%-4% for a new/certified rate over 48 months, which is much better than bank or credit union.
@@toyarj37 "Never" in adult world meant a long time, so it can still happen within the next 10-15 years once we hit 4% first, its just the economic cycle. I still remember there are times where car loan is offered at 0.00% - 0.99% for 60 months when the market is good.
With inflation on the high, market tumbling, real estate prices going higher everyday coupled with the Fed's interest-rate cut which all means more red inks for portfolio. I'm still at a crossroads deciding if to liquidate my $125k bond/stock portfolio, or are there ways I can safely profit from this volatile mkt?
in my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a licensed advisor
The key indeed is diversification. Personally, I delegate my day-to-day investing to a license professional, cos my job doesn't permit the time to analyze stocks myself. Thankfully, my portfolio has now 5X in 5 years, just about 10% shy of $1m. Stay motivated friends.
@@justamanwithbeliefs good gains! I basically have cash sitting duck in bank but with rising inflation, my savings seems threatened. I want my money to work for me even after retirement, how can I connect with your advisor/coach, if they mean the same thing?
@@Legend93x No catch when comes to CU credit rates, because they simply reinvest the money back into their banking system rather gave it away to other investment firms.
It’s a slippery slope since credit cards (irresponsible spending) are what got you in trouble in the first place. You really have to want to do a 180 and change all your habits completely to dig yourself out of the hole you created.
@@RideRedRacer There is nothing wrong with a single credit card with a reasonable limit that you pay off every month. There are just some things in life that require a credit card. No one should ever use a debit card for any purchases or reservations online. There are fraud protections for a credit card that one does not have with a debit card. The problem isn't having or even using a credit card responsibly; the problem is people spending money they do not have and have no idea how they are going to pay back.
I'm sorry, but this still sounds awful. $47k for a new car! Never seeing 3% interest rate again! I refinanced my home only a couple years ago for under 3%. The way the economy has evolved over the last few years is horrible.
You may not realize this but the only reason you were able to finance for under 3% a couple of years ago was because of Covid. We have never in my lifetime spanning almost 5 decades had mortgage rates under 3% until Covid hit. As a matter of fact when I was young in the early 80's the interest rate peaked around 18% and for most of the 80's it never dropped below 10%. The current interest rates are actually in line with where they were in the early 2000's and they were fairly steady around that rate (6-7%) until about 2008 / 2009 when we had the huge sub-prime housing crisis and the fed had to drop rates. We have been spoiled with the extremely low mortgage rates because they are not typical and those low rates are what have made the cost of housing skyrocket over the past decade.
Thanks for the forecast! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
What are we really saving? MY bills a month went/goes up rent at least $30, electric $5, internet $5, water $5, fire dept. $10. It's all designed so we will never get ahead.
We arent anywhere near where we were 4 years ago, we are still on the fast track to recession if more inflation, our tax $$$ going to support other nations and illegals continue being allowed entry.
Rates go down. House prices will go up. You can't blame the Sellers, they have to find a new home too. I was trying to sell my house a year ago and people were too cheap. They were asking 100k under market value for your average house because they assumed prices were coming down but they went up instead. This spring I am betting Houses will be up another 10 percent from what they are now. If you don't jump into the market at some point you are going to miss your chance at that house you want and people will bid against you.
(42 years as a commercial, consumer, and mortgage lender) Whether or not to refinance a mortgage depends on a lot more than how much you can reduce your rate. It also depends on your goal(s) in doing so, the terms of your existing mortgage, how long you've had it, how long you plan to be in your home, how much cash and other debt you have, how much equity is in your home, and of course, your credit scores. It's sometimes possible to refinance without having to come out of pocket at all, but it can also be very expensive. You can pay points to further buy down your rate - but should you? Refinancing car debt is difficult, and especially at a lower rate (e.g. a new car gets a new car loan rate at purchase but a used loan rate on a refi). And buying a new car at zero percent is illusionary. The DEALER isn't getting zero percent so they are at least passing along to you what they pay - and adding it to the price of the car somewhere. There are truly no "one size fits all" financial solutions.
Price of real estate is too high. Car loans are also a problem. But biggest problem is housing affordability. You can’t live in your car. You need a house.
If you need to be competitive in your offer, walk away. Never over pay. I have no Idea what there talking about here. Personal loan? she is wrong. Get a o% credit card for 18-20 months and bal. transfer it all. She has no Idea what she is talking about. Never look at new listing find old ones. To much to cover here LT
Her first point was to look for a 0% card to transfer your balance to temporarily to pay off your debt. She literally said "if you can't get one of those" then look for a personal loan and proceeded to tell people that if you don't qualify for a 0% credit card or there isn't one available then another option is to take out a personal loan at maybe 5% interest to transfer the debt away from the 25% interest. It will still help someone pay off the debt faster if they are accruing interest at a rate 20% less than their card. You should pay closer attention to the details of the story if you are going to comment; otherwise you just look daft.
A lot of banks are exiting the auto loan market because of the excessive defaults and repos, rates might go down, but can you actually qualify anymore except from captive lenders?
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
Mortgage rate already going down before the rate cut introduced, so priced in lol. What needs to be done for real estate is supply, and more efficient home building, a starter home shouldn't cost 250k to begin with, maybe 150k would be more appropriate! Suppliers of building materials need to stop playing monopoly, and residential housing shouldn't be commercialized!!!
Despite stocks falling and bond yields rising, markets doubt the Fed's commitment to pausing interest rates until inflation is tamed. Unsure if selling my $138k in stocks is wise amid this market uncertainty.
The market is volatile at this time, hence I will advise you get yourself a financial advisor that can provide you with entry and exit points on the share/etf you focus on.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 this year.
@@RideRedRacer You need to move I know plenty of states cheaper than that. Two adults can save up at least half especially when you keep your legs close you be surprised by what you can do. Why do you jump straight to a house? most people don't even own their car or are still 40+ with student loans. Average American makes a little more than $63K a year. If they have a spouse or roommate thats over 6 figures. No excuses. The real the average person loves doing stuff they can't afford and thats why they broke.
Impact on the Market not our Wallet. Also to add on the banks underwriters will not approve personal loans with poor or below average credit scores to pay off debts. That an illusion she just said on TV.
We bailed out the banks in 2007. Time for banks to help out those maxing out their credit cards because of rising inflation with no wage increases. Trump also needs to threaten car manufactures with Chinese cars. If you dont lower the cost on new cars, fine I’ll open up and allow the sell of Chinese cars where people can buy a new truck for $15k instead of 80k.
I’m a realtor. I Just had breakfast this morning with my Lender who has over 20 years of experience. Rates were cut, but interest rates went up…. Just thought you guys should know.
Lol what the heck are you talking about. Rates are lower now. Change banks if you don't see the rates lower. I just saw 5% 30 year fix. To much to cover here now LT
You shouldn’t think a mortgage rate is going to be around 1,2 and 3 % those rates were due to a black swan event. 5 and 4’s are not bad rates. Just buy in your wheelhouse.
No because then she would turn into just a talking head like the other two here. First time I have seen her and she is intelligent and well spoken and also doesn't waste time with her points.
I wouldn't buy a vehicle unless absolutely necessary....these greedy car manufacturers only are able to charge those exorbitant amount because people keep buying them...they are making killer profits...and its not the worker's wage that keeps theses prices up ...they easily afford to sell for $10,000-$20,000 less and still make bank $$$
People still ain't gonna be able to buy anything. We've spent too much on things, we couldn't even put it in savings. Savings were wiped out, most things if not almost everything was charged o. Credit cards... keep it up humans. We're almost there
Hold the Line .. DO NOT BUY A HOUSE .. let it crash baby, we need a recession 🤞🤞 .. HODL .. HODL .. HODL .. the only way to win the game, is not to play
Low inventory. Supply and Demand. House prices are going up. Enjoy the ride. No housing crisis unless people default on loans. Asset companies like Black Rock own lots of real estate, no way they are going to lose money.
@@TravelTechie415 HOME PRICES KEEP GOONG UP AND UP AND UP ITS GOING TO TAKE MASS INVENTORY TO COME THE MARKET FOR THAT TO CHANGE RICH PEOPLE GET RICHER AND POOR GET POORER. IF YOU ARE A PEASANT YOU BETTER FIND SOME RICH PEOPLE TO WORK FOR
27k for a used car? Are you insane? That’s ridiculous I bought a used jeep in 2020 that had 3k miles basically brand new 15k on the lot. Get real. What’s scary someone is thinking y’all are promoting great advice.
All I know is I just came back from Costco and there were soo many people with full carts I couldn’t move, all ages all races, so don’t tell me people don’t have enough to feed their families. Vote Blue!
![[TH] 2024 PMGC League | Survival Stage วันที่ 1 | PUBG MOBILE Global Championship](http://i.ytimg.com/vi/FVFT-PFwU80/mqdefault.jpg)
![[LIVE] : ONE ลุมพินี 88 | คู่เอก "ป้อมเพชร vs อัสลามจอน"](http://i.ytimg.com/vi/1ZqTVVbMgbo/mqdefault.jpg)
Scary!! I am loaded with high risk stock, and keep loading deeper and deeper! started with $35k made profit up to $46k and have lost it below $30k, my intentions are to add more capital, but really need some guidance before I lose it all
I would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for" "Expert solutions require Expert providers" - my mantra
Agreed, opting for financial advise can be a wonderful resource for getting your finances in order. At first-hand, I average 4 figure/month in dividends and my overall ROI just hit $550k. I only have 30 or so stocks with more of my investments in digital assets.
How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?
'Sharon Ann Meny' 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
Thank you for the recommendation. I'll send her an email, and I hope I'm able to reach her.
With the recent rate cuts, my portfolio, heavily weighted in laddered T-bills and bonds, has taken a hit. I'm concerned about further losses and unsure whether to rebalance, liquidate assets, or ride out the volatility. At 52, the stakes feel high, and I'm starting to feel insecure about my financial future.
Stay calm, watch the news after 4 o’ clock (I watch Quest means Business) stay informed about economic changes, consider safe haven assets like gold (doing really well right now). If you lack extensive knowledge with the asset classes you are holding, review your retirement goals with a financial advisor.
That’s right! I agree with the reply above. Working with a fiduciary not just an advisor is crucial to navigating the volatile market. My portfolio is currently diversified $400K in stocks (tech, big Pharma and consumer goods) and $250K in alternatives (private equity, precious metals, cryptocurrencies), which has boomed significantly!
Incredible. Could you recommend who you work with? I really could use some help at this moment.
Monica Mary Strigle is my fiduciary and is NY-based. Just search the name. You’d find necessary details to work with to set up an appointment.
Wow!! her track record looks really good from what I found online.i just filled the form and scheduled for a call. Thanks to you.
The Federal Reserve is aware. They have no intention of combating inflation. They will not stop inflating, and commodities and stocks will rise in tandem with everything else. You can't merely hoard cash and wait for the market to crash; instead, you need to make your money work for you by starting small and accelerating your purchases as the market continues to decline.
Although the market is currently volatile, aren't the current valuations a result of the Federal Reserve's monetary policy and low interest rates? Therefore, my recommendation is that you consult a financial advisor who can give you entry and exit points for the shares that you are interested in.
People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.
How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Carol Vivian Constable for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
There is an equal market chance associated with each crash or collapse. I have seen people accumulate up to $1 million during a crisis, and even make it work in a strong economy if they are prepared and well-informed. Without a doubt, the bubble/collapse is making someone wealthy.
I completely agree. It's not just about the dividends or profits, Diversifying a portfolio can be a smart move and i always advise one gets a professional to help out.
The issue is most people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt, no offense. In general, Financial Consultants are ideal reps for investing jobs, and at firsthand encounter, since Jan.2020, amidst covid outbreak, my portfolio has yielded massively in ROI, summing up to 7-figures as of today.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Credits goes to Vivian Jean Wilhelm one of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.
This reference seems valid.. Just looked up her full name on my browser and found her site without sweat, over 15 years of experience is certainly striking! very much appreciate it
Average price for a used car is $27,000 and that's fantastic?
hahahahahahahaha
Truth!
They’re clearly paid more than us. 😂
What else you could expect from an American analyst/host? They're not the Japanese !!!! (The middle number one nation who have more savings )
I bought my 2007 Town and Country in Oct 2021 for $6,500 with 13,500+ miles on it. I paid $3000 with Amex, the rest was cashier's check.
I earn cash back bonus from charging my Amex, I paid it to zero balance on statement due date. No debt since 1994 when I opened Amex on campus, and got a free Amex beach towel.
I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the real estate and Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
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
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Sophia Maurine Lanting turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Car debt is not good debt.
Thank you! She lost all credibility when she said that. That’s Finance 101. You don’t invest in assets that go down in value.
it's the WORST debt
She is democrate, lmbooo!!!
Never invest in a depreciating asset!
Looks like I’m never selling my house or buying a new one. Not giving up my low interest rate.
Ain’t buying nothing
Neither am I... I'm stealing it.... ;-P
Inflation is too high. Costs are too high.
Elections have consequences!
Some experts think the fed decision could boost certain industries, while others warn it might increase inflation concerns. I'm reviewing my $600K portfolio allocations and I'm curious about strategies to respond to these potential sector impacts.
Increase exposure to interest rate-sensitive sectors like REITs and utilities, and maintain or slightly increase holdings in growth sectors like technology and consumer discretionary. For tailored advice, consider consulting a financial advisor.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.
Lucinda Margaret Crist is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
Great video! I really have a question. For someone with less than $5,000 to invest, how would you recommend we enter the crypto market? I am looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach?
My advice: for newbies to grow financially this year, invest. Saving is good, but investing elevates your finances. Why newbie make huge losses on trade is because investing without proper guidance can lead to mistakes and losses. that will stop you from trading, this has been one of the biggest problem to new traders, I've learned this from my own experience.
I agreed, investing without proper guidance can lead to mistakes and losses. last year. I did so many mistakes but also learned so much from it, If you're new to investing or don't have much time, it's best to get advice from an expert.
Nice. those who work with expert typically earn more than those who go it alone.
Wow! who is this expert guiding you? As a beginner what do I need to do? How can I start, If you know any please share.
As a beginner, it's essential for you to have a mentor to keep you accountable. Myself, I'm guided by Daniel Adams Bailey. for years and highly recommend him I focus on him. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
That's it I'm calling Dave Ramsey 😂😂😂
Man, the Fed rate cuts are starting to mess with everything. I mean, they were supposed to help, but now I’m feeling the pinch. My savings of 600k is basically giving me nothing, and the market projection is all over the place.
Considering diversification is excellent. Now might be a good time to consult a financlal advlsor for expert advice and seize opportunities in this volatile market.
Accurate! Asset allocation is crucial with an Experts guidance. I have 850k in equity, 300K cash earning 9.25 interest, 685k in 401k, 250k cash account, 120k in car assets ( paid off cars) Gold and silver bars. age is 48. My advlsor helped me realign my portf0li0 to my risk tolerance and it boomed overtime.
Partnering with a financlal advlsor has been a transformative experience for me. They offered invaluable insights and customized strategies that matched my risk tolerance and financlal goals. With their guidance, my investments have grown significantly, and I now feel more confident about my financlal future.
There's a lot of potential in the market. My friend from benghaal who now lives in manhattan introduced me to a financial advlsor in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey and still earn five figures in monthly dividends.
Pls how can i meet this advis0r? i want someone to help me invest an Inheritance, i don't want to lose it to inflation.
>What interest rate cut means for real estate, car loans and debt
Absolutely nothing.
Lower interest rates, higher costs.
zip!
Real Estate prices are skyrocketing now. So crazy. It’s .5% 🤣
Low interest rates don’t fix inflated housing prices. The affordability case is still rampant
Good point. A little house in Bakersfield in my neighborhood 2 bed 1 bath. 325k. People tripping
@@Grace_theslyther_snake Unbelievable 🥶
What's the most effective strategy for investing during this period of volatility? Most of my portfolio is in (20% Index funds, 20% CD's 30% Bonds/T-bills and other assets) I want to explore different strategies to benefit from a potential bubble.
Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Having a financial advisor on board is usually highly beneficial. In the market, this is how people generate enormous profits
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now
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.
Thank you for the lead. I searched her up, and I have sent her a message. I hope she gets back to me soon.
I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too. This is not financial advise but get buying, cash isn’t king at all in this time!
One strategy for protecting against a recession is to buy equities. Investors, especially during a recession, need to know where and how to put money in order to make money while avoiding inflation.
Working with a Financial Advisor to help guide you on your wealth-building journey if you're just starting out is a wonderful way to get started and thats how i was able to accrued good gains . They helps to manage investment overall risk profile , prevent permanent loss of capital consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her.
Borrowing on a depreciating asset like a car is financial idiocy.
At 0% rate no money down and you buy a car you need, it’s not.
@@scapegoat413 still not wise, because if at any point you’re unable to make the payments and the car gets repossessed, you’re out that asset. You’re just introducing risk. That’s also money you could steadily be investing and making money on instead of paying it to a creditor each month. Meanwhile the car continues to depreciate while you’re making those payments.
Investing money to something that would waste your time is also idiotic.
Not if your cars gots electrolytes!
So what you want me to do, walk everywhere?
She is talking like everyone out here has 800 credit scores..
She was talking to the ones that do
Why would 3 percent be gone forever ? This is some BS.
What about savers that were enjoying 5% risk-free?
Those days are over. Lucky folks are those that locked in 3-5 year CDs paying 4.50% - 5.25% that were available up to a few months ago. Those same CDs are paying maybe 3.5% right now.
Or get a "high yield" Savings or Money Market account with a reputable online bank like Ally or Marcus (Goldman Sachs) around 4.20% 5:31
invest in stocks the FAANG
BYE BYE REWARDS FOR RESPONSIBLE SAVERS
Invest in stocks
There's no such thing as "Good Debt". Debt is people buying what they can't afford and paying more for it. It may not be bad depending on the circumstances but it's certainly not good.
Rate cuts began in September 2024 and will take 6-8 months to complete, with a potential crash by March 2025. The soft landing narrative is gaining traction, making a major recession less likely. With $1 million from a business sale, I'm looking for profitable investment opportunities over the next 3 years.
The financial market is a reliable choice. Diversify your portfolio with I-bonds, stocks (ETFs, REITs, dividend-paying stocks), and bitcoin. Given your budget, I recommend hiring a fiduciary to ensure you receive professional insights for a fee.
My demanding job leaves me with little time to analyze investments and individual stocks. For the past seven years, I've relied on a fiduciary to actively manage my portfolio and adapt to market conditions. This approach has helped me make informed financial decisions and navigate the market successfully.
@@mikegarvey17Mind if I ask you to point at how to reach this particular person assisting you? Seems you've figured it all out unlike the rest of us.
Thank you
The present housing market is not stifled because of interest rates rather greedy sellers with absurd expectations for what they think their house is worth.
No, greedy Agents pushing them to think that way.
My husband and I stopped borrowing years ago after we followed the Dave Ramsey principle we're completely debt free now, we OWN everything we have and retired in our mid 50's Thanks DR!
Good, just make sure you have enough $$$ to cover the ever rising property tax and insurance of your property that will remain as long as you have a land and or a house.
Nobody other than corporate Wall Street is “looking to buy a house”, this is completely out of touch.
100% This encouragement over a .5% reduction is ridiculous. This is aimed towards businesses, not people 🤦♂️
Must be election time
Inventory isn't lowering. Housing inventory is up since last year 60% (90% in florida)
Yes you are right these people are crazy
100% they’re trying to fit their narrative. Houses been sitting on the market here in Sacramento and I’ve been seeing a lot of price reduction.
Being in the car business... Dealer rates are lower than outside lenders for qualified customers
Sounds like a skeptical outlook on things then. With the rate cuts do you think it's best for us who are not conservative investors to focus on bonds or dividend stocks? I want to reallocate my 7-figure portfolio and I preferably want the assets with the best ROI.
Bonds are a safer bet. They offer good stable yields. But dividend stocks could make you a fortune if you know how to go about it. But it's always a good idea to work with a CFA. It streamline your strategy and help profit a lot.
I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds. At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case 80% stock crash, Thanks to my CFA.
Impressive can you share more info?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
Video was very informative
Vicky is the real life version of the mom in Fresh off the boat 🤣
So racist 😂
That’s so true but with Money and wealth!
Vicky is such a great and engaging speaker!
Yes she is and I'm surprised that NBC actually has a financial expert on this show.
Her advice on car loan 😔
“Wow a half a point” now I can finally buy that cookie I always wanted
Excellent segment. A lot of important gems
You pay off lowest debt first not highest = Dave Ramsey, the amount compounds on itself when you go higher and higher. If you try to pay off highest, you’ll wanna quit.
Psychology.
She said highest interest cards first, not highest debt.
Still have a long way to go if we want to see 3.0% - 3.5% being offered for a 30 yr mortgage again. But then in terms of car loan, some manufacturer direct financial services offered 2%-4% for a new/certified rate over 48 months, which is much better than bank or credit union.
They already said you will never see 3% again
@@toyarj37 "Never" in adult world meant a long time, so it can still happen within the next 10-15 years once we hit 4% first, its just the economic cycle. I still remember there are times where car loan is offered at 0.00% - 0.99% for 60 months when the market is good.
With inflation on the high, market tumbling, real estate prices going higher everyday coupled with the Fed's interest-rate cut which all means more red inks for portfolio. I'm still at a crossroads deciding if to liquidate my $125k bond/stock portfolio, or are there ways I can safely profit from this volatile mkt?
Diversify… T bills, CDs, Gold, dividend stocks, Municipal bonds, Bitcoin, etc assets speak when cash has no value
in my opinion, some financial situations can be handled on your own if you research enough, while others are best navigated in consultation with a licensed advisor
The key indeed is diversification. Personally, I delegate my day-to-day investing to a license professional, cos my job doesn't permit the time to analyze stocks myself. Thankfully, my portfolio has now 5X in 5 years, just about 10% shy of $1m. Stay motivated friends.
@@justamanwithbeliefs good gains! I basically have cash sitting duck in bank but with rising inflation, my savings seems threatened. I want my money to work for me even after retirement, how can I connect with your advisor/coach, if they mean the same thing?
Annette Louise Connors is the licensed advisor I use. Just research the name. You’d find necessary details to work with and set up an appointment.
Did she say the good debt, car loan, home loan, school loan? Is she out of her mind!!!!
Not with Wells Fargo, they are a rip off with all loans
Who is paying 23% on credit cards, it's 30% minimum
My credit card rate with my credit union is only 11%. Probably depends on your credit rating and who you have your card through.
@hskrgrad wow that's low AF, but there has to be a catch, which CU is this?
@@Legend93x No catch when comes to CU credit rates, because they simply reinvest the money back into their banking system rather gave it away to other investment firms.
so real estate will go even higher?
opening new credit cards with 0% for 16 months is a no brainer
Why do you need credit cards or debt?
stop using credit cards... how do people think they are good for you at all?
It’s a slippery slope since credit cards (irresponsible spending) are what got you in trouble in the first place. You really have to want to do a 180 and change all your habits completely to dig yourself out of the hole you created.
@@RideRedRacer There is nothing wrong with a single credit card with a reasonable limit that you pay off every month. There are just some things in life that require a credit card. No one should ever use a debit card for any purchases or reservations online. There are fraud protections for a credit card that one does not have with a debit card. The problem isn't having or even using a credit card responsibly; the problem is people spending money they do not have and have no idea how they are going to pay back.
Navy Federal gave me a loan at 8% for a car .
Dont buy, build.
That's what we are doing! Very happy with the decision.
YUP, bought a tent from Wally World and erect it my self in five minutes, yyeeehhhaaaa!!!
I'm sorry, but this still sounds awful. $47k for a new car! Never seeing 3% interest rate again! I refinanced my home only a couple years ago for under 3%. The way the economy has evolved over the last few years is horrible.
You may not realize this but the only reason you were able to finance for under 3% a couple of years ago was because of Covid. We have never in my lifetime spanning almost 5 decades had mortgage rates under 3% until Covid hit. As a matter of fact when I was young in the early 80's the interest rate peaked around 18% and for most of the 80's it never dropped below 10%. The current interest rates are actually in line with where they were in the early 2000's and they were fairly steady around that rate (6-7%) until about 2008 / 2009 when we had the huge sub-prime housing crisis and the fed had to drop rates. We have been spoiled with the extremely low mortgage rates because they are not typical and those low rates are what have made the cost of housing skyrocket over the past decade.
Thanks for the forecast! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
This was such an informative Wuxi segment. This duo works well together, and the guest did not waste 1 second of our time. Thanks yall ✊🏾
What are we really saving? MY bills a month went/goes up rent at least $30, electric $5, internet $5, water $5, fire dept. $10. It's all designed so we will never get ahead.
Prices are up all over the world not just here in America.
Inventory is low. Lower rate means bidding frenzy
Good if you are a seller.
Means everything is going to shoot up because the dollar is losing its value. More rate cuts mean more inflated money in the economy
it means nothing, when prices are too high .. most with a brain and common sense .. will not buy
Depends where you live. Charlotte, NC has a listing boom
don't be so sure
Thanks for sharing!
Great segment, she had a lot of smart ideas! Save more than you spend, makes perfect sense. ❤
omg a .5 point....im going to do a back flip out of excitement. like I'm so giddy I just might buy two big macs
We arent anywhere near where we were 4 years ago, we are still on the fast track to recession if more inflation, our tax $$$ going to support other nations and illegals continue being allowed entry.
So far the only thing that has dropped is the APY on my savings account. NOTHING ELSE has dropped.
Rates go down. House prices will go up. You can't blame the Sellers, they have to find a new home too. I was trying to sell my house a year ago and people were too cheap. They were asking 100k under market value for your average house because they assumed prices were coming down but they went up instead. This spring I am betting Houses will be up another 10 percent from what they are now. If you don't jump into the market at some point you are going to miss your chance at that house you want and people will bid against you.
If you have a house stay in your house and be blessed you have one rather than trying to sell way above the price you paid several years ago.
Nope, don’t care. Saving a lot of $$$ by living with my parents.
(42 years as a commercial, consumer, and mortgage lender) Whether or not to refinance a mortgage depends on a lot more than how much you can reduce your rate. It also depends on your goal(s) in doing so, the terms of your existing mortgage, how long you've had it, how long you plan to be in your home, how much cash and other debt you have, how much equity is in your home, and of course, your credit scores. It's sometimes possible to refinance without having to come out of pocket at all, but it can also be very expensive. You can pay points to further buy down your rate - but should you? Refinancing car debt is difficult, and especially at a lower rate (e.g. a new car gets a new car loan rate at purchase but a used loan rate on a refi). And buying a new car at zero percent is illusionary. The DEALER isn't getting zero percent so they are at least passing along to you what they pay - and adding it to the price of the car somewhere.
There are truly no "one size fits all" financial solutions.
she s great
❤❤❤
Learned a lot watching such a short segment!💯
Price of real estate is too high. Car loans are also a problem. But biggest problem is housing affordability. You can’t live in your car. You need a house.
How's the inventory low?
This content was a big help!
Waiting for a analogy of the us economy using tic tacs lol ..
Here’s the thing…!
If you need to be competitive in your offer, walk away. Never over pay. I have no Idea what there talking about here. Personal loan? she is wrong. Get a o% credit card for 18-20 months and bal. transfer it all. She has no Idea what she is talking about. Never look at new listing find old ones. To much to cover here LT
Her first point was to look for a 0% card to transfer your balance to temporarily to pay off your debt. She literally said "if you can't get one of those" then look for a personal loan and proceeded to tell people that if you don't qualify for a 0% credit card or there isn't one available then another option is to take out a personal loan at maybe 5% interest to transfer the debt away from the 25% interest. It will still help someone pay off the debt faster if they are accruing interest at a rate 20% less than their card. You should pay closer attention to the details of the story if you are going to comment; otherwise you just look daft.
A lot of banks are exiting the auto loan market because of the excessive defaults and repos, rates might go down, but can you actually qualify anymore except from captive lenders?
The rate and inflation rates are not a bug; it is a feature of the system to keep everyone else down.
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
If you lack knowledge about market investing tactics, get advice from a financial counselor.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
Pls who is this coach that guides you? I’m in dire need of one, my stock portfolio is declining rapidly
Her name is ‘Celia Kathleen Martel’ Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I'm pleased with the advisor's prompt and knowledgeable assistance. Their professionalism instills confidence. Looking forward to further discussions.
Now more increase on home since people think they can afford more
yes keep using your credit cards 😂😂😂
Mortgage rate already going down before the rate cut introduced, so priced in lol. What needs to be done for real estate is supply, and more efficient home building, a starter home shouldn't cost 250k to begin with, maybe 150k would be more appropriate! Suppliers of building materials need to stop playing monopoly, and residential housing shouldn't be commercialized!!!
Despite stocks falling and bond yields rising, markets doubt the Fed's commitment to pausing interest rates until inflation is tamed. Unsure if selling my $138k in stocks is wise amid this market uncertainty.
The market is volatile at this time, hence I will advise you get yourself a financial advisor that can provide you with entry and exit points on the share/etf you focus on.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 this year.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
Jessica Lee Horst is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
Forget loans and credit scores. Pay your stuff in cash like a real adult. Saving up is not a illegal.
its not realistic for the average person saving up cash to buy a home. the average home in my area is $900k
@@RideRedRacer You need to move I know plenty of states cheaper than that. Two adults can save up at least half especially when you keep your legs close you be surprised by what you can do.
Why do you jump straight to a house? most people don't even own their car or are still 40+ with student loans. Average American makes a little more than $63K a year. If they have a spouse or roommate thats over 6 figures. No excuses. The real the average person loves doing stuff they can't afford and thats why they broke.
It means more inflation
Impact on the Market not our Wallet. Also to add on the banks underwriters will not approve personal loans with poor or below average credit scores to pay off debts. That an illusion she just said on TV.
I make $21 a hour.. I can barely afford a apartment in the projects
We bailed out the banks in 2007. Time for banks to help out those maxing out their credit cards because of rising inflation with no wage increases. Trump also needs to threaten car manufactures with Chinese cars. If you dont lower the cost on new cars, fine I’ll open up and allow the sell of Chinese cars where people can buy a new truck for $15k instead of 80k.
LOwer interest rates mean more inflation on the way. Cost of living will continue to go up. You won't be better off because of lower interest rates.
She is amazing
news actually being helpful
Who is this woman! Does she have a podcast or something 😅
She dropped Gems...Okay 🎉
I’m a realtor. I Just had breakfast this morning with my Lender who has over 20 years of experience. Rates were cut, but interest rates went up….
Just thought you guys should know.
Lol what the heck are you talking about. Rates are lower now. Change banks if you don't see the rates lower. I just saw 5% 30 year fix. To much to cover here now LT
You shouldn’t think a mortgage rate is going to be around 1,2 and 3 % those rates were due to a black swan event. 5 and 4’s are not bad rates. Just buy in your wheelhouse.
Vicky nguyen should be host of today show she is beautiful and smart the today show is to woke 😂😂❤❤😂😂❤😂😂❤❤😂❤❤❤❤
No because then she would turn into just a talking head like the other two here. First time I have seen her and she is intelligent and well spoken and also doesn't waste time with her points.
Capital 1 didnt buzz my interest rate so i gave them middle finger
0.5 ain’t ish
I wouldn't buy a vehicle unless absolutely necessary....these greedy car manufacturers only are able to charge those exorbitant amount because people keep buying them...they are making killer profits...and its not the worker's wage that keeps theses prices up ...they easily afford to sell for $10,000-$20,000 less and still make bank $$$
People still ain't gonna be able to buy anything. We've spent too much on things, we couldn't even put it in savings. Savings were wiped out, most things if not almost everything was charged o. Credit cards... keep it up humans. We're almost there
Hold the Line .. DO NOT BUY A HOUSE .. let it crash baby, we need a recession 🤞🤞 .. HODL .. HODL .. HODL .. the only way to win the game, is not to play
Your right
Low inventory. Supply and Demand. House prices are going up. Enjoy the ride. No housing crisis unless people default on loans. Asset companies like Black Rock own lots of real estate, no way they are going to lose money.
@@jack8230 The sale can be whatever the seller wants it to be. There's only a lack of affordable homes.
Wallet hub is lying af on the credit card interest. I'm paying 24.24% with Discove, 28.8% with Ally
@@TravelTechie415 HOME PRICES KEEP GOONG UP AND UP AND UP ITS GOING TO TAKE MASS INVENTORY TO COME THE MARKET FOR THAT TO CHANGE
RICH PEOPLE GET RICHER AND POOR GET POORER. IF YOU ARE A PEASANT YOU BETTER FIND SOME RICH PEOPLE TO WORK FOR
Vote Kamala Harris so this country goes to a deeper dump
Housing inventory is low but the government allowed millions of immigrants to cross the border?
Interest rate cuts will have one affect…higher costs.
Want to know what interest rate cut means for me????? DEEZ
I like Nguyen, she is sure to give a hard time to any salesperson she will interact with 😅. She is ready to haggle 😂
this didnt age well
27k for a used car? Are you insane? That’s ridiculous I bought a used jeep in 2020 that had 3k miles basically brand new 15k on the lot. Get real. What’s scary someone is thinking y’all are promoting great advice.
All I know is I just came back from Costco and there were soo many people with full carts I couldn’t move, all ages all races, so don’t tell me people don’t have enough to feed their families. Vote Blue!