February 5, 2025

37 thoughts on “Banking Explained – Money and Credit

  1. China Bank Project continuation. Project by Value. The Value by Product Interbranchings to productivity and benificial effect in its Trade and Business Market Value of Business Trendy items in direct sales in profit value to vendoring effects in product buy and sales effect interest wise by the 3rd degree interbranch of per product model augmentations in sales competition of tech and high modifiable items and units features wise and per real time applications of products of research and developments to the usual trendy items or units of the money spent in research and developments minus the product growth in sales quarterly per annum business and trade market value adjustments and accelerations of the plus and minus garnered percentage won by better produce units or items per target sales of projections considering it's inflation's, relaxations and contractions status in time estimate specifics in comparison to real time data investment returns and growth presentations which applies to not just real products produce of customer based acceptance but also of by instant demand per trade value strategy and trade value speculations and projections not limited to products per se but also to clickable core valuable working groups in talented and gifted person's of productivities with projected in time potentials rated and graded in value in time improvements within their particular scope only. Let it be

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  3. Thank you for your videos mate…. With Trump's presidency, economic shifts are expected to be significant, especially given the current recession and the potential impact of future rate cuts. Although rate cuts might not boost inflation as hoped, they may lead banks to further restrict consumer and corporate lending, contributing to a deflationary period for various assets. This environment could result in declining stock values, retail and housing sales, and rising unemployment due to layoffs. For investors, a diversified portfolio especially with stocks and cryptocurrencies offers some protection, serving as a hedge amid volatility. Both long- and short-term trading strategies can help manage risks, providing stability as markets adjust. I have managed to grow a nest egg of around 130k to a decent 532k in the space of a few months… I'm especially grateful to Rolando Daiz, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..

  4. 1:51 The problem with fractional reserve banking is that the savers incorrectly ASSUMED that they can withdraw all of their money at any time, and the bank is incorrectly ASSUMED that 90% of the savings are "unused" and only 10% of the savers will ever wants their money back, so that they can invest it to other business WITHOUT asking ANY CONSENT from the saver.

    When these TWO ASSUMPTION does not match (e.g., turns out only 50% of savings are actually "unused"), the bank will run into liquidity problem, and then the taxpayers (via central bank / government) need to PAY for this recklessness.

    It's a system built on lies, and everyone (except banks execs) need to cover for the consequences.

  5. Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal:
    But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:
    For where your treasure is, there will your heart be also.
    Matthew 6:19-21

  6. The ongoing banking crisis is a complex issue with far-reaching consequences. As experienced financial experts know, credit crises take time to resolve. It's crucial to remain cautious and prepared for potential economic challenges.

  7. I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

  8. I appreciate this video, but honestly, the visuals are too distracting. They fail to illustrate the point effectively. This would work better as an essay. Love your videos, but as a viewer I'm hoping to be educated rather than entertained. I would recommend dialing back on the music and sound effects, and having less movement on the screen in general. I think yall are excellent in most other regards, but this kind of video makes me prefer formats like CGP Grey, where the visuals are more minimalistic, but still manage to be entertaining and instructive.

  9. I know this is a bit old and most of all oversimplifying but I think it is quite misguiding when you say that, essentially, banks lend money that was invested into them. This is really really really not how it happens, loan money is magic money, it does not come from anywhere, the bank just says "abracadabra you have money now – congrats!" but the money that is created did not cause any other money anywhere to be destroyed. It is literally money printing.

    Now there ARE limitations in place so that banks cannot just lend however much money they please – they need to keep a certain ratio between the money they lend and the central money they possess (money that comes from the central bank of their country). However, in practice, central banks kinda just give banks more central money as they need, to keep them in the green, meaning that the system is really quite a bit nonsensical in some regards.

    Anyway… I am not an economist, but economy and finance is a small interest of mine and I've watched quite a few vids about it, and that is one of the points that was really underlined in most of them, and a common misconception that definitely needs to be clarified to most people: banks do not lend existing money, banks CREATE money when they make a loan. That was all!

  10. It was stupid of me to sell $76,000 worth of NVDA stocks without reinvesting. (Buying bonds or CDs is not for me). I’d rather stay 100% cash, or are there any other investments that can outdo the growth of Nvidia? I have 200k ready to be reinvested

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