Banking Crises: Understanding the Causes and Consequences

Banking crises are often disruptive and have far-reaching consequences for economies and societies. They can undermine financial stability, erode public trust, and lead to severe economic downturns. Understanding the causes and consequences of banking crises is crucial for policymakers, economists, and the general public. In this article, we will delve into the complexities of banking crises, shedding light on their origins, impact, and potential preventive measures.

First things first, let's define what a banking crisis is. A banking crisis refers to a situation in which a significant number of banks or financial institutions face severe difficulties or fail altogether. It involves a breakdown in the stability and functioning of the banking system, typically characterized by a wave of bank runs, insolvency, liquidity shortages, or excessive risk-taking.

In this episode, Kenny delves deep with Sean Puckett, a banker with CalPrivate, who has over 20 years of experience. Were there any financial imbalances, poor risk management, or macroeconomic factors? Or perhaps regulatory and supervisory failures? Was it one, several, or all of these reasons?

We now know that we are headed to an economic recession, but what are the other effects of a banking crisis?

Banking crises are complex events with far-reaching implications. Understanding their causes and consequences is crucial for safeguarding financial stability and fostering sustainable economic growth. By implementing robust regulatory frameworks, strengthening risk management practices, and adopting preventive measures, policymakers can mitigate the risks associated with banking crises and promote a resilient and stable banking system. Make sure to watch this podcast from start to finish!

Whether you're a real estate enthusiast or simply curious about the appraisal process, this episode promises to broaden your understanding and leave you with a newfound appreciation for the art of property valuation. Remember to tune in to this captivating podcast episode to gain exclusive insights from a Chief Appraiser and discover the secrets behind the valuation of properties.

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To learn more about our guest, John Dingeman, connect with him here: https://www.linkedin.com/in/johndingeman

To learn more about our podcast hosts Krystle and Kenny,

Follow them on Instagram: 

Krystle’s Instagram: krystlersimpson 

Kenny’s Instagram: kennybsimpson

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EPISODE #175

Are Banks Too Broke to Lend?

Episode #172 - How to Build Powerful Networks

What's up, everybody! We have a special episode today as this is an episode from Justin Stoddart's Think Bigger Real Estate podcast. It's also the first time we're uploading an episode complete with the video recording. Let us know how you like it!

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Learn more about property investing from Kenny & Krystle:

www.getinthecashflowgame.com

- What rates drive demand?

- Do you know where your money is?

- Post- SVB are there still opportunities?

These are just some of the questions that I explored in this month's update. Join me as I try to make sense of the real estate landscape and interpret the data we got.

Highlights:

00:09 - Intro

04:32 - Mortgage rates

11:36- Inventory challenge

16:35 - Lookback at Q3 2022 report

22:00 - Prices of existing homes

27:05 - Support regional banks

28:53 - Be passionate about your money

33:45 - END

Episode #170 

In the wake of the SVB Collapse, Kenny and Krystle are urging you to not take your money out of small banks.  

Highlights:  

03:15 - Intro 

05:30 - Small banks are losing a lot of deposits 

06:30 - Loss of deposits takes away small banks' ability to loan money 

12:50 - Watch your money 

16:40 - Understand the strategies of the wealthy 

17:40 - Opportunities in the wake of the SVB collapse 

19:04 - Small banks will shut down if deposits are continually being taken out 

20:56 - Recession will quickly follow 

24:15 - Development is coming to a standstill 

27:12 - Are loans safe? 

29:11 - Industries that are going to be in trouble 

31:15 - Where will be the biggest pain? 

34:12 - Office and Retail impacted 

35:00 - AirBnBs and other rentals affected 

36:12 - Hospitality industry in trouble? 

38:28 - END

Learn more about property investing from Kenny & Krystle HERE: www.getinthecashflowgame.com

Episode #169 Breaking the stigma and stereotypes of mobile homes  

For this week's episode of Get into the Cash Flow with K&K, Franco Perez guest stars in this episode on how mobile homes is slowly changing the landscape of property investing.   

Franco is a self-made entrepreneur from immigrant parents and has seen first-hand how renting can eat away at your income. For him, mobile homes are the most practical solution to owning your own property. It is also an attractive option for those who want to build their own property investment portfolio.  

LISTEN to the full episode and get that cash flow going! Like, share, and subscribe to our channel!   

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Highlights:  

03:46   Intro of Franco Perez 

04:45   Franco's background 

06:00   How he started in real estate 

12:00   Life-changing experience that gave him the drive to start a business 

15:00   Adapting to difficulties in life  

18:40   Defining affordable housing  

19:24   Mobile homes as an option for those struggling with housing 

20:28   Debunking the stigma around mobile homes 

22:20   Building equity in mobile homes 

23:17   The mobile home business model  

25:20   Financing mobile homes  

26:00   Government support on financing mobile homes 

28:35   Cost and appreciation of mobile homes 

30:50   Benefits of owning mobile homes   

33:27   Who buys mobile homes 

35:00   Investing in mobile homes 

40:59   Fighting stigma around mobile homes 

42:00   Overcoming poverty by investing in mobile homes 

47:09   END  

Learn more about Franco Perez HERE: https://www.francomobilehomes.com/

Learn more about property investing from Kenny & Krystle HERE: www.getinthecashflowgame.com