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You are here: Home / Archives for bank lending

428: How the Coming Credit Crunch Could Harm the Economy and Real Estate Prices

April 12, 2023 by David Stein · Updated May 17, 2023

How accelerating bank deposit withdrawals could harm the economy, including real estate prices. How dollars slosh around the financial system but always seem to end up at the Federal Reserve. Topics covered include: How many deposits have left banks since the Silicon Valley Bank collapse How much have banks borrowed from the Federal Reserve to meet deposit withdrawals Why exiting deposits are harming bank profits and causing them to make fewer loans How the credit crunch … [Read more...]

Filed Under: Podcast Tagged With: bank lending, bank reserves, bank runs, banks, credit crunch, credit cycle, Federal Reserve, money market funds, savings and loans crisis

336 Plus: A Simple Money Supply, Money Creation Analogy

March 27, 2021 by David Stein · Updated April 29, 2021

In Plus Episode 336 for the week of March 27, 2021, we discuss some new site additions for Plus members. We also explore an analogy to explain under what circumstances the money supply and purchasing power increase and under what circumstances they don't. We use the analogy to explain what is happening currently and under what circumstances it could lead to higher inflation. Finally, we review why Hoisington Investment Management Company believes inflation will stay low and interest … [Read more...]

Filed Under: Uncategorized Tagged With: bank lending, central banks, Federal Reserve, Hoisington Investment Management, inflation, money creation, money printing, money supply, quantitative easing

297 Plus: May 2020 Investment Conditions and Portfolio Review

May 8, 2020 by David Stein · Updated April 29, 2021

In Plus episode 297 for the week of May 8, 2020, we review the latest economic trends, market valuations and market internals. We review the intrinsic value of stocks, why they historically have declined during recessions and why stocks may be acting differently during the current global recession. Finally, we review the criteria for when the allocation to stocks would be increased in the Money For the Rest of Us Plus model portfolios. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, bank lending, central bank insolvency, currency devaluation, diversification, savings

292 Plus: Bear Market Rallies, FOMO, Bank Loans and Buying Individual TIPs

March 28, 2020 by David Stein · Updated August 2, 2021

In Plus episode 292 for the week of March 28, 2020, we look at the magnitude and duration of market rallies within bear markets. We consider why the fear of missing out is normal and what to do about it. We consider the math behind bank loans with regard to rising defaults and why bank loans are not likely to fall to zero. Finally, we look at how to buy an individual Treasury Inflation Protection Security. … [Read more...]

Filed Under: Uncategorized Tagged With: bank lending, bear market rallies, bear markets, inflation-indexed bonds, TIPS, Treasury Inflation Protected Securities

287: What Causes Hyperinflation and How To Prepare For It

February 19, 2020 by David Stein · Updated November 26, 2021

What factors lead to hyperinflation, why it is so devastating, how hyperinflation can be overcome, and what can individuals do to be prepared for hyperinflation. Source: Bundesarchiv, Bild 102-00238 / Pahl, Georg / CC-BY-SA 3.0. Cropped and captioned. Topics covered include: What causes inflation and how do central banks manage it.How the causes of hyperinflation differ from more normal levels of inflation.What is the biggest challenge of living in a country with hyperinflation.How … [Read more...]

Filed Under: Podcast Tagged With: bank lending, central banks, hyperinflation, inflation, purchasing power, Venezuela

205: Is The Federal Reserve Really Printing Money?

May 16, 2018 by David Stein · Updated March 22, 2021

If the Federal Reserve has printed over $2 trillion dollar and given it to banks to lend, why is U.S. inflation still low? Photo by Pepi Stojanovski In this episode you’ll learn: How banks create money and how reserves factor into banks' lending decisions.How much has the money supply increased as a result of bank lending and Federal Reserve action.How Federal Reserve bond buying increased liquidity but not national wealth.Why we haven't seen higher inflation. Show … [Read more...]

Filed Under: Podcast Tagged With: bank lending, central banks, Federal Reserve, money creation, money printing, money supply

MNY094 Plus: Banks, Loans, and Smart Beta Conditions

February 13, 2016 by David Stein · Updated May 24, 2021

This week on Money For the Rest of Us Plus I discuss how central banks influence lending, what is causing the bank stock sell off, and what are some future enhancements to the Hub pertaining to smart beta and investment conditions. The episode length is 17 minutes. … [Read more...]

Filed Under: Money Plus Tagged With: bank lending, banks, central banks, commercial banks

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