Podbean logo
  • Discover
  • Podcast Features
    • Podcast Hosting

      Start your podcast with all the features you need.

    • Podbean AI Podbean AI

      AI-Enhanced Audio Quality and Content Generation.

    • Blog to Podcast

      Repurpose your blog into an engaging podcast.

    • Video to Podcast

      Convert YouTube playlists to podcasts, videos to audios.

  • Monetization
    • Ads Marketplace

      Join Ads Marketplace to earn through podcast sponsorships.

    • PodAds

      Manage your ads with dynamic ad insertion capability.

    • Apple Podcasts Subscriptions Integration

      Monetize with Apple Podcasts Subscriptions via Podbean.

    • Live Streaming

      Earn rewards and recurring income from Fan Club membership.

  • Podbean App
    • Podcast Studio

      Easy-to-use audio recorder app.

    • Podcast App

      The best podcast player & podcast app.

  • Help and Support
    • Help Center

      Get the answers and support you need.

    • Podbean Academy

      Resources and guides to launch, grow, and monetize podcast.

    • Podbean Blog

      Stay updated with the latest podcasting tips and trends.

    • What’s New

      Check out our newest and recently released features!

    • Podcasting Smarter

      Podcast interviews, best practices, and helpful tips.

  • Popular Topics
    • How to Start a Podcast

      The step-by-step guide to start your own podcast.

    • How to Start a Live Podcast

      Create the best live podcast and engage your audience.

    • How to Monetize a Podcast

      Tips on making the decision to monetize your podcast.

    • How to Promote Your Podcast

      The best ways to get more eyes and ears on your podcast.

    • Podcast Advertising 101

      Everything you need to know about podcast advertising.

    • Mobile Podcast Recording Guide

      The ultimate guide to recording a podcast on your phone.

    • How to Use Group Recording

      Steps to set up and use group recording in the Podbean app.

  • All Arts Business Comedy Education
  • Fiction Government Health & Fitness History Kids & Family
  • Leisure Music News Religion & Spirituality Science
  • Society & Culture Sports Technology True Crime TV & Film
  • Live
  • How to Start a Podcast
  • How to Start a Live Podcast
  • How to Monetize a podcast
  • How to Promote Your Podcast
  • How to Use Group Recording
  • Log in
  • Start your podcast for free
  • Podcasting
    • Podcast Features
      • Podcast Hosting

        Start your podcast with all the features you need.

      • Podbean AI Podbean AI

        AI-Enhanced Audio Quality and Content Generation.

      • Blog to Podcast

        Repurpose your blog into an engaging podcast.

      • Video to Podcast

        Convert YouTube playlists to podcasts, videos to audios.

    • Monetization
      • Ads Marketplace

        Join Ads Marketplace to earn through podcast sponsorships.

      • PodAds

        Manage your ads with dynamic ad insertion capability.

      • Apple Podcasts Subscriptions Integration

        Monetize with Apple Podcasts Subscriptions via Podbean.

      • Live Streaming

        Earn rewards and recurring income from Fan Club membership.

    • Podbean App
      • Podcast Studio

        Easy-to-use audio recorder app.

      • Podcast App

        The best podcast player & podcast app.

  • Advertisers
  • Enterprise
  • Pricing
  • Resources
    • Help and Support
      • Help Center

        Get the answers and support you need.

      • Podbean Academy

        Resources and guides to launch, grow, and monetize podcast.

      • Podbean Blog

        Stay updated with the latest podcasting tips and trends.

      • What’s New

        Check out our newest and recently released features!

      • Podcasting Smarter

        Podcast interviews, best practices, and helpful tips.

    • Popular Topics
      • How to Start a Podcast

        The step-by-step guide to start your own podcast.

      • How to Start a Live Podcast

        Create the best live podcast and engage your audience.

      • How to Monetize a Podcast

        Tips on making the decision to monetize your podcast.

      • How to Promote Your Podcast

        The best ways to get more eyes and ears on your podcast.

      • Podcast Advertising 101

        Everything you need to know about podcast advertising.

      • Mobile Podcast Recording Guide

        The ultimate guide to recording a podcast on your phone.

      • How to Use Group Recording

        Steps to set up and use group recording in the Podbean app.

  • Discover
  • Log in
    Sign up free
Wealthy HOMES

Wealthy HOMES

Business:Investing

Ep.9- Is Your Cash Safe?

Ep.9- Is Your Cash Safe?

2023-03-31
Download

One of the greatest investors of all time has a great quote: “When the tide goes out, you find out who is swimming naked”-Warren Buffet. Well the tide has gone out and Silicon Valley Bank and some others are now naked. The question that a lot of people are wondering is: what happened and is my bank next? 

To fully understand what happened to SVB, you need to understand diversification, interest rate risk, accounting, and FDIC insurance. These all created the perfect storm which ended up being the downfall of SVB. 

Ever heard the term "Don't put your eggs in one basket?" Of course you have, who hasn't. But, SVB didn't get the memo. The majority of the SVB holders were tech companies, tech startups, or venture capitalists. This created the first major issue.

It's no surprise that inflation has been an issue and will likely continue to be an issue. The Fed has tried to step in to fight inflation. Not like any fight, but a Mike Tyson vs Marvis Frazier type fight. The Fed has come in swinging and swinging hard. The fastest rate hikes we have seen in history. This created the 2nd major issue.

Before and during Covid these tech companies were flush with cash. Who do they turn to? The bank closest to them (SVB). The bank does what they normally do when they get deposits, and buys U.S. treasuries (at record low interest rates). Fast forward to 2022-23 and these tech companies get hit the hardest in this economic downturn. So, they go to the bank to make big withdrawals.

SVB now has to sell their treasuries to raise cash for their clients. Insert the 2nd major issue. Interest rates and bond prices work in an inverse relationship. When interest rates increase, the bond price goes down. SVB now has to sell these bonds at a lower price, which causes a loss. 

Now SVB depositors run into the biggest issue. Their deposits are over the FDIC limit. And that is how you get the perfect storm. Or, as Warren Buffet would say “they were caught swimming naked.” 

 

Links to FDIC and NCUA Coverage Calculators:

\https://edie.fdic.gov/calculator.html

https://mycreditunion.gov/insurance-estimator

view more

More Episodes

Ep.14- Financial Advisor Mini Series: Part 3- When should you hire a financial advisor?
2023-05-05
Ep.13- Financial Advisor Mini Series: Part 2- How does a financial advisor get paid?
2023-04-28
Ep.12- Financial Advisor Mini Series: Part 1- What does a Financial Advisor do?
2023-04-21
Ep.11- Your Credit Matters with Marie Davis (CPCU)
2023-04-14
Ep.10- Your Estate Plan in 7-Steps with Sandy Derby
2023-04-07
Ep.8- New Home Construction with Gavin Homer
2023-03-24
Ep.7- Retirement Account Progression
2023-03-17
Ep.6- Investing 101 with Pat & James Gilbert
2023-03-10
Ep.5- Mortgages For Beginners With Kyle McGann
2023-03-03
Ep.4- Insurance for Young Families with Ryan Underhill (Farmers Insurance)
2023-02-24
Ep.3- How To Set Up Your Bank Accounts
2023-02-17
Ep.2- The Circle Talk
2023-02-05
Ep.1- Introduction to the Wealthy HOMES Podcast
2023-02-05
  • ←
  • 1
  • 2
  • 3
  • →
01234678910111213

Get this podcast on your
phone, FREE

Download Podbean app on App Store Download Podbean app on Google Play

Create your
podcast in
minutes

  • Full-featured podcast site
  • Unlimited storage and bandwidth
  • Comprehensive podcast stats
  • Distribute to Apple Podcasts, Spotify, and more
  • Make money with your podcast
Get started

It is Free

  • Podcast Services

    • Podcast Features
    • Pricing
    • Enterprise Solution
    • Private Podcast
    • The Podcast App
    • Live Stream
    • Audio Recorder
    • Remote Recording
    • Podbean AI
  •  
    • Create a Podcast
    • Video Podcast
    • Start Podcasting
    • Start Radio Talk Show
    • Education Podcast
    • Church Podcast
    • Nonprofit Podcast
    • Get Sermons Online
    • Free Audiobooks
  • MONETIZATION & MORE

    • Podcast Advertising
    • Dynamic Ads Insertion
    • Apple Podcasts Subscriptions
    • Switch to Podbean
    • YouTube to Podcast
    • Blog to Podcast
    • Submit Your Podcast
    • Podbean Plugins
    • Developers
  • KNOWLEDGE BASE

    • How to Start a Podcast
    • How to Start a Live Podcast
    • How to Monetize a Podcast
    • How to Promote Your Podcast
    • Mobile Podcast Recording Guide
    • How to Use Group Recording
    • Podcast Advertising 101
  • Support

    • Support Center
    • What’s New
    • Free Webinars
    • Podcast Events
    • Podbean Academy
    • Podbean Amplified Podcast
    • Badges
    • Resources
  • Podbean

    • About Us
    • Podbean Blog
    • Careers
    • Press and Media
    • Green Initiative
    • Affiliate Program
    • Contact Us
  • Privacy Policy
  • Cookie Policy
  • Terms of Use
  • Consent Preferences
  • Copyright © 2015-2025 Podbean.com