Thank you very much, Mr. Clifford! I'm a student majoring in Economics. This collapse fascinated me as an Economics student, but terrified me as a consumer. As for another video, can you please talk about some interesting or lesser known jobs that people can get with Econ degrees? I really enjoy learning how economics can be applied to real life. Thanks again for your informative video!
@thepracticalinvestor2386
Жыл бұрын
Great suggestion!
@Businessblend
Жыл бұрын
Hello! Hopefully he answers this, but lots of the jobs an undergrad Econ degree get you have analyst in the name. Treasury analyst, equity analyst, business analyst, financial analyst etc… banks, insurance companies, investment firms have lots of these jobs
@coscomosco4388
Жыл бұрын
Truly awesome, while I saw that many creators regarding SVB we creating a 15-20 minutes long videos. You explained it in mere 2:42 minutes. That too explaining the fundamental reason behind it. Awesome
@amishjha
Жыл бұрын
Hey Jacob, just wanted to thank for all of your work, I followed your videos throughout my MBA classes and secured 2nd highest in my batch coming from a non econ background that was huge feat in itself! the PPC curve or the Philips curve is still fresh in my mind as you taught them so well, specially the summary videos really helped me before exam, I wish I could have bought your course package back then in 2017 but it was not available to India customers. I still advice to parents to go follow your channel, I think you have a very crafted way of explaining stuff and its a gift which not a lot of people have.. more power to you, please don't stop , I like your energy and excitement with which you bring in every videos I know not all heroes wear capes you are one of them.
@archiex1576
Жыл бұрын
Really good explanation in a short amout of time. Great job
@v9318
Жыл бұрын
Hi Mr. Clifford, I watched your videos while taking my economics class (micro & macro) at community college and it really helped me out. I appreciate all the content you put out there and I am always interested in watching your videos. Thank you so much!
@nogierueghobamien4009
Жыл бұрын
Thank you Sir! Been watching since you made your pitch for the Crash courses. Great explanations as always!!
@greekbarrios
Жыл бұрын
The failure of Silicon Valley Bank has torn into global markets, with investors ripping up their forecasts for further rises in interest rates and dumping bank stocks around the world. I'm at a crossroads deciding if to liquidate my dipping 200k stocck portfolio, what’s the best way to take advantage of this bear market?
@Suntz_u
Жыл бұрын
The SVB situation is a reminder that Fed hikes are having an effect, even if the economy has held up so far,” It’s precisely at times like these that investors need to be on guard against the next certainty. You don’t have to act on every forecast, hence i will suggest you get yourself a financial-advisor.
@CynthiaByrd648
Жыл бұрын
@@Suntz_u I agree, having a brokerage advisor for inveesting is genius! Amidst the financial crisis in 2008, I was really having inveesting nightmare prior touching base with a advisor. In a nutshell, i've accrued over $850k with the help of my advisor from an initial $120k investment
@greekbarrios
Жыл бұрын
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
@CynthiaByrd648
Жыл бұрын
@@greekbarrios Credits to Jill Marie Carroll, one of the best portfolio manager;s out there. she;s well known, you should look her up.
@greekbarrios
Жыл бұрын
@@CynthiaByrd648 I just looked up Jill Marie Carroll online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call. THANKS!
@jeksty9118
Жыл бұрын
Thank you for keeping us in touch and clearly explaining real time examples related to economics! Just is yesterday class my professor mentioned this case and tried to describe it. However, fortunately even if I didn't understand him that clear, you're already uploaded your explanation to this case!
@Beastmode73060
Жыл бұрын
He doesn't have $1 invested in svb. You might want to do more research.
@danialimanazlansuhaimi9358
Жыл бұрын
Nice explanation!! Ur video is the reason why I get high marks in economics
@ashishrauniyar9904
Жыл бұрын
You know that you’re one of the best economics teachers!
@chrisramirez3058
Жыл бұрын
That’s very easily explained! Great vid
@alwayzlearning4355
Жыл бұрын
Thank you for explaining that soooo clearly! 👍
@416capone
Жыл бұрын
This was great. Being in the banking industry (on the east coast) this was a nice spark notes version (for those old enough to remember that).
@olisaezekiel9646
Жыл бұрын
You kept it short, interesting & sweet. Thanks
@dabossbabie3605
Жыл бұрын
Thanks for the info Mr. Clifford! I was wondering actually, could you maybe talk about the state about how economics is taught and how you approach it, and the contrast between the two (unless you agree with how it's taught, then maybe explain why it's effective?) I find it fascinating to learn how people learn things and how people teach things, and it may be helpful for teachers out there as well!
@Charlie-pt1ks
Жыл бұрын
Very fast and easy to follow... great video! Thanks!
@Soosss
Жыл бұрын
I really like this content where you cover real world issues 👍
@8329Julie
Жыл бұрын
Welcome back Mr Clifford!
@wambgu1
Жыл бұрын
Thanks Mr. Clifford fot that wonderful explanation. Now I understand what happened to SVB
@nevadashannahan79
Жыл бұрын
So glad to find your videos again!
@Frenchylikeshikes
Жыл бұрын
A bank I had never ever heard off in my life before.
@SkyBlueMt18
Жыл бұрын
Thank you for another awesome informative video that is relevant with current world events! With interest rates constantly being raised and consumers paying higher interest on credit cards, seems to me that many people already maxed out are probably heading towards bankruptcy but is there a better way of recovering? This could be an interesting topic to cover in a video.
@wldct285
Жыл бұрын
please make more video related to trending economic news! so interesting
@ericencina209
Жыл бұрын
The bank does not loan their depositors money, and also not their bank deposits, they create money out of thin air and lend it to the borrowers to be repaid at interest. SVB collapse is probably something sinister about banking gimmicks in the future.
@kaayachatterjee3831
Жыл бұрын
i really hope you could discuss the evergrande crisis in details... thank you so much for your videos.
@aymanraouf1820
Жыл бұрын
Hang on, there are two types of bonds, Held to Maturity bonds and short term bonds. Which one did SVB bank buy? That had caused its price to reduce?
@chhayakankariya2748
Жыл бұрын
Music name in background? Please an nice explained ty
@suhainsomasiri4429
Жыл бұрын
This is what you called fractional reserve banking. Banks only keep 10% of your money and spend it on investments. The interest rates are given to bank depositers from the profits they made from bonds, stocks, loans and realestate investment.
@rabih7969
Жыл бұрын
we want to learn about Credit Swiss, what happened there? thank you Mr. Clifford!
@hatrang5143
Жыл бұрын
Excellent explanation, thank you so much 😎
@makedredd299
Жыл бұрын
Never trust a bank man! - Sam Bankman-Fried
@CamiloSanchez1979
Жыл бұрын
Please interview Bernanke
@davidclifford6125
Жыл бұрын
Great video! (It's Silicon Valley not Silicone Valley btw).
@JacobAClifford
Жыл бұрын
Yeah, I messed that up. That's ok.
@4jones82
Жыл бұрын
I heard some congressman warned people before hand. Maybe something to do with what Mike Gill presented about SVB.... Brendan O'Connell... Pandora Papers
@DeclanCC
Жыл бұрын
We need more bank runs, show the cracks in the fractional reserve system and force us to improve it without inflationary bail outs.
@n.g5188
Жыл бұрын
Plz explain how interest rate rise led devaluation of tbonds
@robertoinvests
Жыл бұрын
I heard they invested in venture start ups you’re saying bond market, what percentage of each
@sriharshanallan1205
Жыл бұрын
Could we relive the 2008 Crisis? How comparable are the intrinsics of Lehmann vs SVB??
@aarontaylor6464
Жыл бұрын
Thanks for a quick, down a dirty explanation.
@dimostychalas9820
Жыл бұрын
Dear Mr.Clifford. I am a student sudying econ, and I watch your videos(I also hav the UPR), and they are amazing, incredibly helpful. Could please makesome videos covering maybe some intermediate micro and macro topics, for us the college majors? Thank you in advance, love you, wish you the best!!!!!!!!!
@michaelgarrow3239
Жыл бұрын
Um,,, what about fractional reserves?
@leopard6554
6 ай бұрын
Yes. It's me again...!!!🤣🤣🤣 Thank you Mr.Clifford...!!! 😊
@ashwin3793
Жыл бұрын
Hey jacob , can you make a video on Modern Monetary Theory and some political economic content in the coming days
@evie3464
Жыл бұрын
Mr Clifford please make ib syllabus videos, I mean it won't be much hard for a professional like you. Pleeeeeeeeease
@ffmasters9402.0
Жыл бұрын
Thank you very much, now I understand why CVB failed 😢
@christianhardy6653
Жыл бұрын
Mr. Clifford, any idea how big a loan it would take for a bank to go to the fed? I'm talking about the discount rate. If a customer has all their paperwork in order for a massive loan and it is approved, what kinds of amounts would it take? I understand it would be a different situation from a local town bank to Bank of America. How would it play out in a commercial bank? For example, if a company needs a 6 million dollar machine or 100 million for expansion project.
@ericw942
Жыл бұрын
The "toxic loan" theory of 2008 is half true. It was mostly small investors over leveraged rather than people not being able to afford their mortgage. The latter furthered the housing crash but small investors being over leveraged was the spark. It's happening again, btw. Cheers!
@heimkhemrasuy4688
Жыл бұрын
Thank you so much!
@myuniversityaccount
Жыл бұрын
Hello, Can you explain how these bonds lost value? Is it because the bonds' rates were fixed? Thanks!
@EmeraldSanctuaryTheraphi
Жыл бұрын
Thanks
@tnminhkhoi1398
Жыл бұрын
Thanks sir
@justiceonu5930
Жыл бұрын
Hey y not make a video abt shares and debentures. its a little confusing to me
@NosaIgbinosa
Жыл бұрын
Great video 👍
@pablosesaid5830
Жыл бұрын
1920s called they said “it do be like that sometimes “
@samsunglg6671
Жыл бұрын
And that's why we write checks, process transfers, and direct deposits.
@XAGR-hn3qt
Жыл бұрын
So this has nothing to do with a recession? I’m ignorant in all this so I have no idea what’s going on .
@satorugojo7869
Жыл бұрын
So what caused the panic..?
@mr.gamewatch7547
Жыл бұрын
What about the large amount of MBS that SVB has?
@levi_michael
Жыл бұрын
You’re awesome!!
@anniezhang347
Жыл бұрын
what do you mean at 1:31 when you say the bank sells the bonds they just bought? you can sell other corporations' bonds?
@samp123samp
Жыл бұрын
yes
@raya472
Жыл бұрын
Question: what caused people to take out their money at a higher rate in the first place?
@vaibhavkeshari9620
Жыл бұрын
A couple things 1) press release by SVB saying they were selling stock to raise capital (implies that deposits are not well covered by bank assets, which is true- their bonds fell in value due to high rates) 2) decreasing venture-backed company valuations in our high-rate environment means that venture-backed companies who park their savings at SVB need their money back more quickly than before
@goodguysinc.
Жыл бұрын
Every bank is in this situation right now
@ConflictedSwitch
Жыл бұрын
Hey Joe, what's *my* money doin' at *your* house?
@xblade6193
Жыл бұрын
Hello @jacobclifford sir, please help us in AS LEVEL by teaching how to write 8 marks 12 marks questions exam is near please
@lcruz916
Жыл бұрын
Credit Suisse now! Please, make a video
@jakesantos4579
Жыл бұрын
ako pa rin ba?
@royalty2924Love
Жыл бұрын
Whats the name of that film he used in the video?
@profmoussavi
Жыл бұрын
One of the movies was "It's a wonderful life", it involves bank failure, good economics lesson.
@mickmickymick6927
Жыл бұрын
Those silly cones.
@jackfullerton5762
Жыл бұрын
It's silicon not silicone. Silicon reflects the compound in a computer not those gel inserts in a woman's upper thoracic area. And still, what is a woman?
@sir_topcat
Жыл бұрын
Silicone Valley Bank 😔
@Beastmode73060
Жыл бұрын
The government told the people not to panic, while they stepped in with emergency measures and seized money from another bank. This of course while a ceo is doing interviews on her brilliant move of PULLING ALL OF HER MONEY hours before the collapse. But again don't panic. Lmao
@s1mplet0n94
Жыл бұрын
You sound like Mark Cuban
@susanrathbun6439
Жыл бұрын
It’s not “cone” it’s “con”.
@Freshhiphopnews
Жыл бұрын
Thank god the majority of my money is in land assets
@danyhawa8399
Жыл бұрын
with All due respect dude; you are contradicting your own input. you explained in previous videos/sessions about the Fractional Reserve / Money Multiplier. therefore, the banks don't have the money not because they used it elsewhere instead because 97% of those numbers are virtual money not printed as bank notes. on the other hand, the SVB is a high-tech lender, in other words, deposits are electronic transactions. that being said, why people are demanding Bank Notes withdrawal ???? ACDC kindly say things as they are and as we knew you i.e. Transparent. we don't need another illusionist on the block.
@4jones82
Жыл бұрын
Maybe something to do with what Mike Gill presented about SVB and New Hampshire....
@marksheppard6640
Жыл бұрын
Silicon ≠ “silicone”
@aboveaero
Жыл бұрын
You failed to mention why the SVB chose to buy these bonds rather than build their assets off of long-term loan. SVB mainly conducts business with the tech sector which has little need for loans since a lot of their money comes from investors and IPOs among other things. Not to mention, the entire industry is crumbling right now.
@lisamoore3198
Жыл бұрын
When it comes to investing, we want our money to grow with the highest rate of return and the lowest risk possible. Mean while there are no shortcuts of getting rich, but there are smart ways to go about it. I’m grateful to God for leading me to the right platform who’s method are top notch and profitable.
@kristinaER27
Жыл бұрын
It isn't pronounced "sili-cone"
@Getbent444
Жыл бұрын
and that’s why I buy gold and don’t use a bank.
@onuhjoseph3687
Жыл бұрын
Hello please
@bobsmithy3103
Жыл бұрын
shits hilarious. everyone let's withdraw all our money
@Bruhwthecomb
Жыл бұрын
Silicone lol
@cyrusfirst7531
Жыл бұрын
Silicone isn’t Silicon
@homeyman1917
Жыл бұрын
Noob here, why do rising interest rates decrease the value of bonds? Explain like I’m 5 pls 😂
@blairtoland6178
Жыл бұрын
Woke amateur hour👍👍
@vitali6137
Жыл бұрын
Buy Bitcoin ! Just kidding .
@thomasucc
10 күн бұрын
Socialism
@badger_actual8249
Жыл бұрын
Hahahah let the end begine!
@Afromontana14
Жыл бұрын
Silicon Valley Bank used to lend out money in short durations. However, in 2021, they shifted to long-term securities such as treasuries for more yield, and they did not protect their liabilities with short-term investments for quick liquidations. They were insolvent for months because they could not liquidate their assets without a large loss. Despite the crypto pull back I think digital currency is best, I’d suggest you give a trial to bonaveststockfx and see for yourself.
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