From Broke To $500,000,000 (The Empire of Ben Mallah) Graham Stephan 2024-10-23 | From Broke To $500,000,000 (The Empire of Ben Mallah)
Passive Income: How To Invest $100 ASAP Graham Stephan 2022-11-23 | Let's discuss How To Make Passive Income with as little as $100 - Enjoy! Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Add me on Instagram: GPStephanNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB1. BUYING DIVIDENDSThe benefit, from an investment standpoint, is that you’ll be able to receive predictable cashflow - on a regular basis - without needing to sell any shares. Fidelity also found that dividends accounted for 54% of market returns during times when inflation was above 5%.2. BUYING INDEX FUNDSIn fact, Warren Buffett even said that “A low-cost fund is the most sensible equity investment for the great majority of investors," and - index fund investing has outperformed even the BEST professions over a 20-year period. Many of them also pay a Dividend! 3. BUYING EDUCATION: Think And Grow Rich: amzn.to/3thQ0X3The Four Hour Work Week: amzn.to/3UBG0nHThe Book on Rental Property Investing: amzn.to/3tenN3fHow To Win Friends And Influence People: amzn.to/3UmonYKRich Dad Poor Dad: amzn.to/3GhFqXVThe Millionaire Fast Lane: amzn.to/3WGTmAtAlive With Zero: amzn.to/3htvBvyYour Money Or Your Life: amzn.to/3EiZY0J4. CREATING A BUSINESSI know plenty of social-media businesses that were started with nothing out of pocket…they just found a common problem that creators were facing, developed a solution, and then built their business by working for free. From there, they were able to outsource work and slowly scale back.5. CREDIT CARD SIGN UP BONUSES / CHURNINGEven though it’s not entirely “passive” - it’s fairly easy, and you can grow your money WAY FASTER than you’d get by investing it. Both credit cards and banks will give you a “bonus” for opening an account and meeting some minimum requirements - usually, that bonus is anywhere from $50 to $200, and it usually takes about 30 minutes of work to complete - plus, websites like NerdWallet and ThePointsGuy list update the options on a weekly basis.For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The 2023 Recession Just Started | DO THIS NOW Graham Stephan 2022-11-21 | Let's discuss the possibility of a 2023 Recession, how the stock market has performed throughout prior drops, and what you can do to make sure you're best protected - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2023 RECESSION: 1. YOU WILL NEED TO STAY EMPLOYED. In fact, just a quick Google search for “mass layoffs” gives you dozens upon dozens of companies who are trimming their workforce - and, as Bank of America warns: The Us Economy Will Soon Start Losing 175,000 Jobs Per Month. That’s why the largest financial losses will come from those who are unemployed, and don’t sustain their income to continue investing into the markets. 2. KEEP A 3-6 MONTH CASH RESERVE AT ALL TIMES. For me, I’ve been using a combination of high-yield savings accounts that pay between 2.5-3.75%, as well as short term 3-6 month treasuries that are paying around 4.3%. That way, no matter what happens, I’m earning SOMETHING on my un-invested money. 3. THOSE WHO STATISTICALLY DO THE WORSE, STOP INVESTING. Studies have shown that the average investor barely manages to outperform inflation, with a 20-year annualized return of just 2.9% - the reason is because they invest when the market is up, and stop when the market is down. Had they just continued to dollar cost average, they would've come out profitable long term. INVESTING THROUGHOUT 2023: First, when it comes to building wealth - it’s important to recognize that there’s ALWAYS going to be a reason NOT to invest. Conditions will NEVER be perfect, and most of the time, it’s best to tune out the news and continue on the same path, long term. Second, Investing Isn’t A Game. At a certain point, you have to remember: if you are trying to BEAT THE MARKET AVERAGE…you’re either taking a carefully calculated risk…or, you’re making bets…and unfortunately…that’s a line that’s gotten way too blurred over the last few years. Third, overconfidence will DESTROY your portfolio. From everything I have ever witnessed…the MOMENT you think you’re smarter than the market and have it “all figured out”…you’ve lost. Because of that, it’s best to recognize that…the LESS YOU KNOW, the BETTER YOU WILL DO…because, you won’t overcomplicate the process or take unnecessary risk. For example, EVERY SINGLE STUDY shows that the MOST SUCCESSFUL INVESTORS just buy a broad index fund on a regular basis and hold for 20 years…that’s literally all you have to do…and, almost no one does it because it’s really really boring. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
It’s Over: The Housing Market Just Collapsed Graham Stephan 2022-11-18 | Lets talk about a new proposal that would block wall street landlords, why rental prices are declining, and what this means for the 2023 housing market - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC FOR A LIMITED TIME - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF WHY RENTS ARE INCREASING: 1. There’s fewer affordable units on the market. Between 2014 and 2018, the number of low-cost rentals dropped by HALF A MILLION UNITS PER YEAR…with the main reason being: They simply were no longer profitable. Older buildings were frequently torn down to build new ones, and with construction, land, and labor costs having increased - owners are forced to construct “luxury units” to make any sort of return on their investment. 2. There’s more demand for rentals. Since the 2008 Mortgage Crisis, demand has increased faster than almost any other time in history…and, during the pandemic, this was exacerbated. As home prices increased, people who were unable to afford a home were forced to rent…driving up demand even further. 3. Wealthier households are ALSO choosing to rentIn fact, it was found that - high income households have driven MOST of the growth in renters, since 2010…and that means, as high income earners chose to downsize, relocate, and save money…they’re driving up the cost, because they’re able to afford more. 4. On top of that, LANDLORD EXPENSES are ALSO increasing. Aspects like Property Tax, Insurance, Labor, Repairs, and Materials are ALL COSTING MORE…and, if a landlord is barely breaking even…they have to raise prices or risk going out of business.5. And finally, Home Prices Are Getting More Expensive. This means the break even cost increases with a higher purchase price, causing prices to set higher. THE WALL STREET LANDLORD PROPOSAL: This bill proposes several changes that would discourage “SPECIFIED LARGE INVESTORS” from purchasing a property: the first would DISALLOW interest payments from being deducted as an expense, as well as eliminate any claims to depreciation that would offset taxable income. In addition to that, there would be a sale or transfer tax equal to the value of the property - so, if a home sells for $350,000 and a Wall Street Conglomerate wants to buy it - they have to pay double. This bill also gives large investors “a grace period of 18 months after the bill becomes law to “sell properties and avoid the tax.”This would be applied to anyone who’s holds more than $100,000,000 worth of assets at any time during such taxable year.REALISTICALLY, I can ABSOLUTELY see a “surtax” being added to certain Wall Street Landlords who will be required to pay an additional property or income tax that goes back to the city in which the property is located…but, anything more is going to be difficult, if not impossible…and, it still doesn’t address the core issue - that, more homes need to be built.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
It Started: Car Prices Are Falling 50% Graham Stephan 2022-11-14 | Let's talk about the used car market, why prices are declining, and where the market may go from here - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
THE FED JUST FLIPPED THE MARKET | Urgent Changes Explained Graham Stephan 2022-11-11 | Let's talk about the latest inflation data, what this means for the stock market and housing prices, and how you can use this information through 2023 - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF INFLATION NOVEMBER 2022: Inflation DECLINED IN OCTOBER, to 7.7%...which, was BELOW EXPECTATIONS…and, 0.5% less than we saw the month prior. This was also the SMALLEST 12-MONTH READING SINCE JANUARY. In fact, the Consumer Price Index rose 0.4% from the month prior, suggesting that - on a YEAR OVER YEAR BASIS, we could be actually be heading towards an inflation rate of LESS THAN 5% by this time in 2023. We saw a NET DECLINE in the cost of medical care, apparel, used cars and trucks, gas, and energy. Everything ELSE, like food, shelter, and transportation still increased, but at a rate that was MUCH slower than the month before. Once you take out food and energy, CORE INFLATION came in at “just” 6.3%, finally pulling back from it’s 40-year high. This was BELOW analyst expectations, and just like the last…SHELTER made up the MAJORITY of that increase, with Rent.com showing that, in September, housing payments increased by 8.8%.On the news that inflation came in LOWER than expected, the Federal Reserve president of Philadelphia came on record to say that “I would be okay with taking a brief pause from rate hikes, seeing how things are moving. And then if we have to, we can continue to tighten.” This wound up leading to the LARGEST SINGLE-DAY RALLY of the SP500 since 2020…and, the stock market is beginning to price in the fact that the Federal Reserve MAY pause rate hikes throughout the beginning of 2023, as prices continue to come down. Now, of course, Michael Burry has warned us, in the past, “Inflation appears in spikes. It resolves, fools people, and then it comes back” - with a chart, showing that - since the 1940’s - inflation never just occurred once, and then disappeared. In fact…In every circumstance through today - inflation will decline…people will celebrate by spending more money…and, THEN - inflation will re-appear for as long as a decade.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
How To WIN THE LOTTERY - 100% Guaranteed Graham Stephan 2022-11-07 | Lets discuss how you could be the next Billionaire through the Upcoming Powerball Drawing, and why so many winners end up broke - Enjoy! Add me on Instagram: GPStephan | Get My Free Email Market Newsletter Here: http://grahamstephan.com/newsletterGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
No More Gas | The Worst Energy Crisis In 40 Years Graham Stephan 2022-11-04 | Lets talk about the Oil Crisis Of 2022 - Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2022 OIL CRISIS: On the most basic level, the United States uses almost 20 million barrels of oil, every single day…which, makes us the number-one consumer of oil in the world…but, there’s catch: since we only PRODUCE 18.6 MILLION barrels of oil per day…we’ve become reliant on OTHER COUNTRIES to fill that deficit. Now, this isn’t inherently a bad thing, because financial speaking, foreign oil is WAY CHEAPER than we pay to manufacture locally here in the United States - but, that means we're subject to price volatility should there be any disruptions. In terms of how they intend to bring prices down: 1. NOPECThis bill - if signed into law - would allow the United States the option to sue Opec - and its members - for fixing and manipulating the price of oil, similar to how they work to dissemble monopolies who gain too much control within a specific sector. However, the downside is that - it might be near impossible to enforce any decisions against a foreign nation, it’s heavily opposed by the US-Based Oil Companies - and, if they actually pursue this further - there could be serious consequences from other nations who could make the situation worse. 2. OIL RESERVES15 million barrels are currently scheduled to be released in December. As they say: “The upcoming oil reserve release is aimed at ensuring there's enough oil on the market to ensure gasoline prices don't spike up. 3. MORE PRODUCTIONAccording to the US Energy Secretary, “the U.S. was working to identify at least 3 million barrels per day of new global oil supply, with assurances from several high-level oil and gas executives that their companies were set to dramatically increase investments and bring online new rigs.” My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
THE FED JUST CRASHED THE MARKET | Major Changes Explained Graham Stephan 2022-11-02 | To start comparing quotes and simplify insurance-buying, check out Policygenius: policygenius.com/graham. Thanks to Policygenius for sponsoring this video! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE NOVEMBER 2022 RATE HIKE: They began by raising interest rates by 75 basis points, which was what the market expected…but, their FINE PRINT caught everyone by surprise: Even though their intentions were to raise rates so that it’s “sufficiently restrictive to return inflation to 2 percent over time,” they followed that up by stating that they will take into account “the lags with which monetary policy affects economic activity and inflation, and economic and financial developments” - and, this is MASSIVE. Companies, for example, won’t know their sales numbers until the end of the month or quarter…housing data won’t show up for another 60 days…consumer spending is highly volatile based on a number of factors, and - by the time WE see the end-result of each policy decision, months have already gone by.By acknowledging these lags, it gives the Federal Reserve enough time to pause, slow down their hikes, adjust as needed, and basically take a “Wait and see” approach without driving the economy into a total disaster. HOWEVER…the BAD NEWS is that, there is the concern that inflation will become “entrenched” within the economy, meaning that - consumers believe that inflation will continue to rise, and THAT will reach certain categories which are unlikely to come back down, like rent and medical services. If this happens, it’s possible that we’ll need EVEN MORE rate hikes…and even more pain within the economy…so, to prevent this from happening, the FED mentioned that they may have to take more extreme measures AHEAD OF TIME…and THAT is why the market immediately began falling.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Why Ludwig Got FIRED From His Job Graham Stephan 2022-10-31 | Ludwig Reveals How He Got Fired - Original Video Here: youtu.be/Slv33sxL7oI | Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The FED Just RESET The Housing Market Graham Stephan 2022-10-28 | Visit republic.com/graham and use code GRAHAM to get up to $100 when you make an investment - Enjoy! Lets talk about home prices, changes to your credit score, and what this means for the market - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF NEW CHANGES TO CREDIT SCORES WITH HOME MORTGAGES: The FIRST, is by using “Alternative Data” to calculate a person’s credit score. Under this NEW program, Banks would be allowed to take OTHER aspects of a person’s financial history into consideration, such as their average account balance over time, and whether or not they’ve ever over-drafted. In terms of the impact - VantageScore estimated that this would allow credit access to 72,000 more households every single year - opening the door for many more people to gain access to financing. Second, the Government Housing Agencies, Fannie Mae and Freddie Mac - Have approved FICO 10t and Vantage Scores to be used for home financing. As MarketWatch explains, “Both FICO 10T VantageScore will look at a broader range of payment history data for borrowers, from cell phone bills to utility and rental payments, to determine credit worthiness” - therefore, making them more inclusive. And FINALLY, THIRD…these changes would “reduce costs and further promote innovation while not compromising accuracy and predictiveness of a borrower’s ability to repay,”Or, in other words - these new credit scoring models are “predictive,” meaning - they aim to accurately determine how likely you are to re-pay a loan…and, from their own studies - if you’ve paid your rent on time, you’ve paid your utilities on time, and you’ve paid your phone on time…chances are, you’ll probably pay your mortgage on time…even if you don’t have a traditional credit score. In terms of my own thoughts, when it comes to credit scores, overall, I’m a fan of anything that promotes more accuracy, and I tend to believe this is a move in the right direction. HOWEVER…there’s certainly the suspicion that banks are simply pushing for fewer restrictions so that they can issue and sell more loans, so I’ll leave that up to you to decide…but, in the big picture: I don’t expect this to have a major influence on the market, and - if anything - this will take some time for lenders to adjust to. But, at least on the bright side, as one analyst says: “the Fed’s flushing inflation and dumping the punch bowl should lead to a new bull market for stocks, bonds and other risk assets…with a fresh start beginning in 2024, so don’t despair — that’s less than 15 months away.”My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
How To Use The 2023 Recession To Get Rich Graham Stephan 2022-10-26 | Lets talk about how to build wealth during a recession - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE NEXT RECESSION: EVERYTHING BECOMES LESS EXPENSIVEThe way I see it - even though one person might think: “This is a bad time to invest…my stocks are down 30%” - a WEALTHY person would see this as an OPPORTUNITY to buy those exact same companies…for a 30% discount. LESS COMPETITIONThe fact is, when times are difficult - companies scale back, they fold, they conserve cash, and they play it safe - but, this opens the door for more aggressive, smaller companies to stand out and take their place. MORE OPPORTUNITY.In a way, a recession is the markets way of “Weeding out the weak," giving opportunities to newer, smaller people and businesses to develop.AFTER EVERY BEAR MARKET…COMES A BULL MARKET. As Yahoo Finance points out, “historically, the S&P 500 has fallen an average of 29% around a recession with a median drop of 24%” - but, once stocks have found their low…the average return the following year is 40%…and, within two years…the market has increased by 58%. In terms of what to do: One, Scale Back On Your Expenses.This means that you track your income, cut back on the unnecessary spending, and operate “lean” while you continue re-investing on a regular basis. It should also include a plan to outline what you would do if your income drops 20-50%, how you would make up that difference, and if you can take preventative measures - AHEAD OF TIME, to protect yourself from this happening. Two, Hold Some Cash. I’m a firm believer that, even though your money is statistically BEST OFF invested as soon as possible…there is the peace of mind of having a cash position, at all times, to take advantage of any opportunities that may come up.Three, Protect your career. This, at the end of the day, is going to be your BEST HEDGE against whatever happens…after all, your worst case scenario, financially, isn’t a market going down…it’s a market that goes down, during a time where you lose your job, and can’t afford to hold your investments long enough for them to recover. NOW is the time to IMPROVE yourself, learn new skills, double down on everything, and use that your advantage. Four, ONLY INVEST LONG TERMGenerally, it’s best not to invest any money that you might need in the next 5 years…and, preferably, even longer. The best course is action - when it comes to investing - is not to do anything different, and carry on as usual. Its shown dollar cost averaging, or the practice of buying into the market at regular intervals over the long term - is the most profitable investing strategy. So, stay in the markets…and continue buying in. And Five, DIVERSIFY YOUR INVESTMENTS. If you personally can’t handle a 20% drop in prices without panicking…then, maybe, you’re invested too aggressively. For instance, if you’re completely in US tech stocks, look into adding large cap and international stocks into the mix. Or, potentially look into investing in real estate, where rents tend to be a little more stable. The more legs your portfolio has to stand on, the less likely it’ll collapse if one or two of them decline. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Meet The $100,000,000 Invisible Man Graham Stephan 2022-10-24 | Meet Dhar Mann - an entrepreneur who built his entire business around motivation and sharable lessons that has made over $100,000,000. Here is his story, income, and investing philosophies - Enjoy! Add me on Instagram: GPStephan | SUBSCRIBE TO DHAR MANN: youtube.com/c/DharMannOfficialGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
MrBeast Reveals His BIGGEST Paycheck! 💰 Graham Stephan 2022-10-23 | MrBeast Reveals How Much Money He Makes - Original Video Here: youtu.be/yADi4cs4Dhw | Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The Next Great Reset | Why The UK Is Collapsing Graham Stephan 2022-10-21 | Let's discuss the England / U.K. Banking & Bond Crisis, the chances of a global recession, and what this means for all of you watching - Enjoy! Add me on Instagram: GPStephan | FOLLOW MY NEWSLETTER FOR URGENT UPDATES HERE: http://grahamstephan.com/newsletterGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE BANK OF ENGLAND: This begins with what’s known as a “Defined Benefit Plan,” where employees are promised a proportion of their salary throughout retirement. To ensure that the Pension properly funded, there needs to be a certain amount of money to generate enough of a return to pay out their population - and, they do this by buying bonds. In a normal market, a fund could very well borrow money - buy bonds - and then pay the loan back while making a little extra profit. But, in a 2022 market, where bond values are declining….those same funds would borrow money…collect less from the bond than they were expecting…and, OWE MONEY by the end of the term. Typically, Funds like this have cash on hand to cover any type of unexpected emergencies, but when funds were losing money at such a fast pace - they ran out of cash reserves and couldn’t come up with enough collateral, which forced them to sell anything they could to stay afloat. This led to a “Bank Run” where - pensions began selling UK Bonds to reduce their exposure to falling prices…which then…caused prices to fall…causing more pensions to sell…causing prices to fall further…and, pretty soon…they completely run out of liquidity. As a result, the Bank of England made the choice to step in and PURCHASE falling bond prices to stabilize the market - essentially acting as a backstop to prevent prices to falling any further.However, the LARGER issue isn’t so much the UK Bond Market Collapse - but, instead, the fact that the world is quickly losing faith in their government, who they believe may not be equipped to handle whatever fallout could come in the near future. Because of this global turmoil, inflation has become a WORLD WIDE problem, and countries are constantly looking for a safe place to park their money. Since the United States raised THEIR interest rates the fastest, and is seen as the most secure, everyone is buying up the Dollar. Even though this can be good for the United States, our imports become less expensive, and that can help drive inflation down, for the REST OF THE WORLD, they’re spending MORE OF THEIR OWN CURRENCY to buy those US dollars - and, that poses a substantial risk that - the dollar could simply become too expensive, and eventually do more harm than good. In fact, based on one reported estimate from Credit Suisse, “every 8% to 10% jump in the dollar leads to, on average, a roughly 1% hit to U.S. companies’ profits.” But, in terms of the impact HERE in the United States, for most of the SP500 that operates internationally…a strong dollar is seen as a NEGATIVE for revenue and growth - and, as a result - the market has fallen. For example, it’s noted that “non-domestic sales of companies in the S&P 500 make up around 35% to 40% of total revenue” - so, a stronger dollar puts more strain on their international customers to make purchases. On top of that, it’s said that “industrials, materials, consumer staples and technology are the most sensitive to a stronger U.S. currency,” and - when they make up a large portion of the index - it’s inevitably going to drive prices down alongside with it. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
It Started: The Worst Market Collapse In 50 Years | Michael Burry Graham Stephan 2022-10-19 | Thanks to Established Titles for sponsoring this video! Get 10% off on any purchase with code grahamstephan. Go to establishedtitles.com/grahamstephan and help support the channel! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF MICHAEL BURRY WARNING: First, he mentions that - as of now, more than 13% of stocks closed above their 200-day-moving average … and, generally…the ABSOLUTE stock market bottom occurs when that number is below 5%. Second, he mentions that there are currently 218 companies worth more than $1 billion dollars…that LOSE $100 MILLION DOLLARS PER YEAR…and, 29 companies with more than a $10 billion dollar market cap…which, still can’t turn a profit. As he says…”all the silliness must go." Third, he points out that “Inflation appears in spikes. It resolves, fools people, and then it comes back” - with a chart, showing that - since the 1940’s - inflation never just occurred once, and then disappeared. In every circumstance through today - inflation will decline…people will celebrate by spending more money…and, THEN - inflation will re-appear for as long as a decade…all because of: Fourth, the Velocity Of Money. This tracks how often each dollar is ACTUALLY SPENT - and THEN - how often that money circulates back within the economy. Because of that, Michael Burry notes that - despite the Federal Reserve taking money OUT OF THE ECONOMY by rising rates - the average dollar is now being spent more frequently with a higher money velocity - and, because of that, inflation will CONTINUE to remain high. However…there IS some good news, in the fact that - NOW could be the great opportunity to invest, because…THIS where the money is made. In terms of the AVERAGE bull market…if we DON’T include drops of less than 20%, the average bull market has lasted a whopping 9.1 years with a cumulative return of 476%. And if we INCLUDE drops of LESS than 20%, which are more like minor hiccups along the way…the AVERAGE Bull Market still lasts an average of 4 year, with a cumulative return of 129%. So, just given this context...even though, on average, bull markets do last longer than bear markets…history has shown us that volatility is extremely common, and seeing drops or gains of 20% in either direction isn’t as extreme as you would think. Now, in terms of what Michael Burry is doing - he believes that “Free Cash Flow is totally on sale and ignored while former momentum stocks are coming down but not far enough. Value was about to take off for years despite more crash on the way” - suggesting that boring, staple, and profitable businesses will be the ones that outperform in the short term. That’s why, I believe, it’s best to be cautious in a market like this and prepare for the worst…but also - don’t tailor your investment strategy to a plan that may, or may not happen. Just from what I’ve seen… too many people have lost MORE MONEY planning for “the inevitable crash” than those who keep buying on a regular basis, regardless of how the market trades..and, long term, that will continue to be my plan. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Passive Income: How To Make $100 Per Day With Dividends Graham Stephan 2022-10-17 | A portion of this video is sponsored by Wealthfront - Enjoy 2.55% Interest Within Their Cash Account Here: wealthfront.com/gpstephan - Lets talk passive income and how to earn up to $100 per day with Dividends - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE BASICS OF DIVIDENDS: Anytime you buy a stock - that entitles you to a small portion of that companies profits…and, SOMETIMES, those profits are distributed to you on a regular basis in the form of a DIVIDEND. THE GOOD: ONE, you’re INSULATED from the stock market.For the most part, you KNOW that you’ll get that VERY same dividend payment - in the exact same amount - regardless if your stock trades for $20 or $40…and, for someone who’s expecting consistent cashflow, this helps smooth out the fluctuations in the market. Second, Dividend Payments have been LESS VOLATILE than Stock Prices. For example, the Simply Safe Dividends blog found that - from 1900 through 2018 - dividend payments remained fairly constant, with an average variance of +/- 10% during market downturns. Third, throughout Recessions - Dividend payments sometimes INCREASE. As Simply Safe Dividends points out, “in three of the above recessions…dividends paid to investors actually increased, including a 46% jump during the first recession following WW Two.” Fourth - Dividend stocks have been shown to provide a comparable return to the overall market. Fidelity found that dividends accounted for 54% of market returns during times when inflation was above 5%.THE BAD:FIRST, Dividends are not guaranteed. Even though companies generally try to avoid cutting or reducing dividend payments...this DOES happen, and because dividends are often a reflection of a company’s PROFITS - in the event of a downturn, they may chose to turn off the money-facet until conditions improve. SECOND, Dividend payouts mean NOTHING when the company itself declines in value.In this case…earning 5% annually might actually LOSE YOU MONEY when the STOCK ITSELF declines 30%. Now, SURE - there’s a chance the price recovers while you sit back and collect all that extra cashflow…but, there’s a chance this DOESN’T happen…and, that needs to be considered.THIRD…Even though there CAN BE some Tax Advantages…there CAN ALSO be some disadvantages.And FOURTH - Dividends might be flat out “irrelevant.” Two well-known economists argued that a company’s dividend didn’t matter - AT ALL - because it has little to no effect on the price of a stock or its cost of capital. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.comGraham Stephan receives cash compensation from Wealthfront Brokerage LLC ("Wealthfront") for sponsored advertising materials. Wealthfront only sponsors content that relates directly to Wealthfront and does not sponsor the entirety of this video. Any recommendations made are Graham Stephan’s own opinion and Wealthfront does not endorse, sponsor, or promote them. The paid testimonial provided above may not be representative of the experience of other cash account clients, and there is no guarantee that all cash account clients will have similar experiences. Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Cash Account is offered by Wealthfront, a member of FINRA/SIPC. Neither Wealthfront nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC registered investment adviser.*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The FED Just Broke The Market | Dollar Crisis Explained Graham Stephan 2022-10-14 | Let's talk inflation, the federal reserve, and the market - Add me on Instagram: GPStephan | GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF The US Dollar Crisis: As it stands right now: the US dollar serves as the reserve currency for the entire world. This means that EVERY COUNTRY trades in US dollars because of its stability, resiliency, and global acceptance. HOWEVER…here’s where things begin fall apart: Because inflation has become a WORLD WIDE problem…countries are constantly looking for a safe place to park their money…and, since the United States raised THEIR interest rates the fastest, and is seen as the most secure…everyone is buying up the Dollar. That means, even though our money is “losing value” to inflation here in the US…it’s INCREASING IN VALUE, RELATIVE to to the rest of the world.Bloomberg explains that countries can chose to LIMIT their exposure by SHORTING the US dollar as a hedge…and that means, if the US dollar CONTINUES going higher, countries would be forced to sell of their OWN assets to pay for those losses, and so far - that’s happened near the end of almost every quarter in 2022. In addition to that, a higher US dollar means that our own EXPORTS become THAT much more expensive…after all, 1 euro USED TO BUY $1.20 worth of American Goods…but NOW it only buys 97 cents…so, everything - for the rest of the world - is more expensive than it was previously. So far, here's what we do know: Number One: Some of the largest funds are stocking up in cash. After all - why take the risk in equities…when you can earn 4.3%, guaranteed, with no work buying Treasuries?Two: The Housing Market Is Falling. Like I mentioned earlier, The Housing Sentiment Index is near an all-time historic low, as fewer and fewer people believe that NOW is a good time to buy. Three: The Bank of England is in trouble. They recently came on record to warn that “Households will Face a Strain Similar to Pre-2008 Crisis,” as their markets begin to crumble. For them, higher rates will decrease business activity…higher prices will lead to less spending…and, foreign investment will slow as people sell off their assets. This could probably be a video in and of itself…but, starting today…their central bank is no longer backstopping bond purchases…which, is likely going to lead to a LOT more volatility. And Four: Expect higher unemployment. To me, the writing is on the wall that - as companies scale back - employees will be the FIRST to get cut…so, I’d use this as an opportunity to make yourself as indispensable as possible…and, save up extra cash just in case something were to happen. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Congress Wants To Reset Investing | Savings At Risk Graham Stephan 2022-10-12 | Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! These are the new proposed changes to 401k and Roth IRA retirement accounts - Add me on Instagram: GPStephanCLEAR VALUE TAX VIDEO: youtu.be/KpCZqykgW5EGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF NEW CHANGES FROM CONGRESS: finance.senate.gov/imo/media/doc/EARN%20Act%20section%20by%20section%20summary1.pdfThe “Retirement Savings Modernization Act” would allow 401k accounts to offer Alternative Investments. The plan “will open the door to higher returns and a more secure retirement for millions of Americans” - and if you’re curious what TYPE of investments would be allowed…everything from private equity, hedge funds, venture capital firms, real estate, real estate investment trusts, commodities, infrastructure investments, insurance products, annuities, and digital assets."A study from Georgetown found that - from 1990 through 2016 - investors who bought diversified assets had 17% MORE MONEY by the time they retired - AND reduced volatility, while ALSO giving you a HIGHER SUCCESS RATE of not running out of money. Because of that, Congress believes that individual investors have the right to chose where they’re able to invest for retirement…and, by having more options available...they should, in theory, be able to make more. OTHER CHANGES: -Automatic Enrollment. As it stands right now - most retirement plans are OPTIONAL - meaning, you have to know about them - and WANT ONE - in order to contribute. But, by making ENROLLMENT AUTOMATIC…employees would be enlisted from the very beginning, without any work on their end - UNLESS they want to opt out. -Larger Tax Credits. This new proposal would automatically give 50% back up to the first $2000…BUT, it would be given as an investment into your 401k. -Penalty-free withdrawals under certain situations. This would allow up to $1000 per year to be taken out, for unforeseen financial emergencies…and, you would have 3 years to put that money back to avoid paying tax. -Roth IRA catch-up contribution would be indexed to inflation. This would allow people over the age of 50 to contribute an extra $1000 per year - and, that would increase each year thereafter depending on CPI. -401K Catch-Up Plans would also increase. As it is now, those over the age of 50 are allowed to contribute an extra $6500 per year…but, this would create a NEW provision that would allow people over the age of 60 to throw on an extra $1000 ON TOP OF THAT…also indexed to inflation. -People can “Self-Certify” financial hardship to take out money early. This new plan would simply create a “self-certify” option in its place, so that people have an easier time getting their money as needed. Are you reading this? I'm kind of thinking most people never make it to this point. If you happen to be here, what's up - thanks so much, I really hope you enjoy this video. Comment "Great Video, I see what you did there" and I'll do my best to respond to you! My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The Full Story Of Ludwig | From $0 To $10,000,000 Graham Stephan 2022-10-10 | Here is the full story of Ludwig Ahgren, how he became the worlds top streamer, and why he left for YouTube - Enjoy! Add me on Instagram: GPStephan | SUBSCRIBE TO LUDWIG: youtube.com/c/LudwigahgrenGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
How Michael Reeves Learned To Code Graham Stephan 2022-10-09 | How Michael Reeves Learned To Code At Harvard - Full Video Here: youtu.be/DUPDkHAxr9s | Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
It Started: Home Prices Are Falling 50% Graham Stephan 2022-10-07 | Upgrade to smarter home insurance through Hippo. Visit http://go.hippo.com/Graham and get your free quote today! Lets about the newest housing market data, price reductions, and a decline in sales - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE HOUSING MARKET: First, HOME SALES. Year-Over-Year, home sales are down nearly 20%…marking the seventh straight month of declines….and, in terms of WHY, their chief economist noted that “The softness in home sales reflects this year's escalating mortgage rates” - which, as of a few days ago - have begun to approach 7%. Second, MONTHS SUPPLY OF INVENTORY. If you’re in the market for a BRAND NEW CONSTRUCTION…supply has ballooned from 3.5 months at the start of the pandemic…to now, 8.1 months of supply…suggesting that, if you’re a buyer - you’ll have a LOT more leverage than you did in the past. Third, HOME PRICES. Even though homes are MORE EXPENSIVE today than they were a YEAR AGO…most of that growth was attained within the first few months of 2022…and, for the last 90 days…home prices have been falling. Nationwide, median prices are currently sitting at “$389,000…DOWN from the peak of $413,000 that was recorded in June.”Even the Chief Economist for Realtor.com said that, “For homeowners planning to list, today’s market is significantly different than the one from even 3 weeks ago”….meaning, we won’t know the true effects of today - until November. When it comes to this, The Vice President Of BlackNight Research said that “It would take some combination of a 40% rise in incomes, roughly a 3-percentage-point decline in 30-year rates - or a 30% pullback in home prices” to normalize the housing market.Now, SOME markets could be hit worse than others - including speculative cities which saw the biggest pandemic price INCREASE, and - the high end luxury market which has already fallen 5% in the last 3 months…but, other markets may continue to increase in price….so, we’ll have to take a wait-and-see approach.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The Worst Economic Collapse Is Coming (How To Prepare) Graham Stephan 2022-10-05 | Lets discuss Credit Suisse, Deutsche Bank, and a Global Recession - Add me on Instagram: GPStephan | GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF CREDIT SUISSE: WSB THREAD: tinyurl.com/3mk5ymxkThey’re one of the world’s most PROMINENT global banks, with more than $1.5 Trillion under management, offices throughout the entire world, and a designation as one of the “systemically important financial institutions of 2022." However, all of this began just a few days ago, when the CEO of Credit Suisse made a statement that the bank “was at a critical moment,” and tried to reassure employees not to confuse the “day-to-day” stock price with firm’s “strong capital base and liquidity position”. In addition to their stock price having declined 90% over the last decade, they’re about to undertake a MAJOR restructuring to try to return the company to profitability - but, in doing so, they need to raise capital - and some see that as a last-ditch effort to stay afloat - .much like Lehman Brothers did… right before their widely publicized downfall. Once investors started digging deeper into company financials…critics warned about their path moving forward, declining revenue, and dwindling returns that could have a SIGNIFICANT impact on the entire market.EVEN THOUGH their stock price has absolutely plummeted, investors are concerned, and credit default swaps skyrocketed to the highest level EVER - SOME analysts believe that a Lehman-Style moment is unlikely…and that internet speculation has gotten out of hand. For example, JP Morgan went on record to say that the bank’s capital was healthy, other analysts say they’re in a “tight spot” - but, unlikely to fail, and CitiBank says - this isn’t 2008. However, at the end of the day - it seems like this entire situation is turning into a self-fulfilling prophecy, where - the more people BELIEVE it’s going to fail, the lower its price goes, and the less leverage they have - to actually turn things around. After all, they’re beginning to lose private bankers in Hong Kong…turnover is increasing…and, even a formerCredit Suisse trader himself tweeted: All rumors are false until OFFICIALLY denied.That leads me to believe that - despite the sensationalized headlines - there IS a risk that these large banks could be in trouble…BUT…lets ALSO be realistic: They’ve grown to the point where, they could also be supported by government funding, in the event their downfall would negatively impact the global markets. It’s also said that they currently have $100 BILLION DOLLARS of “Buffer Capital” - and, even though that can only go so far - there’s nothing that says they can’t receive additional help, on top of that. So, all in all - YES…there IS risk of the bank defaulting, the global economy falling apart, and all of us pointing to Credit Suisse and Deutsche Bank as the culprit…but, REALISTICALLY…it’s undetermined if the government would even let that happen in the first place…and, honestly…the most we can do at this point is to simply wait and see what happens. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Why I Stopped Selling Coffee Graham Stephan 2022-10-03 | Here's an update on Bankroll Coffee, the issues we faced, and what we're doing moving forward - Enjoy! Add me on Instagram: GPStephan | http://www.BankrollCoffee.com | FIRST 100 PEOPLE WHO USE CODE BIGSAVINGS WILL GET A FREE BONUS! GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Congress Wants To Ban Investing | Stocks Under Attack Graham Stephan 2022-09-30 | Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Let's discuss the recent market downturn, investing ban, and what this means for you - Add me on Instagram: GPStephanNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF BUY THE DIP: 2022 has been the WORST YEAR ON RECORD for ‘buying the dip’ in almost 100 years. According to The Wall Street Journal, “The S&P 500 has dropped 1.2% on average this year, in the week after a one-day loss of at least 1% - That is the biggest such decline since 1931.”This paints the VERY REAL picture that - there WILL be years of losing money - there WILL be entire DECADES where the stock market trades completely flat - and, that’s perfectly normal. In fact, the market trades NEGATIVE 25% of the time…and, the AVERAGE decline of a BEAR MARKET RECESSION is 35% over a period of 495 days, of which, would’ve provided a FANTASTIC buying opportunity for those who aren’t sitting out of the market and continue buying normally. THE NEW INVESTING BAN: The Market Sentiment Blog: marketsentiment.substack.com/p/copy-top-stocks-of-the-week-614493 (RESEARCH PULLED HERE - FANTASTIC RESOURCE)When we look at the OVERALL PICTURE of Congress, in terms of how their stock picks perform, they do decently well. MarketSentiment found that, over one month, their stock picks beat the SP500 by an average of .12%…over a quarter, they beat that benchmark by 1.34%…and, through the end of the experiment…their stock picks outperformed by almost 6%. However, even though they have a MAXIMUM of 30 days to publicly report each trade….the MEDIAN disclosure is made at day 28, and the AVERAGE is at day 52…meaning, almost everyone waits until the last possible minute for their information to be made public, while some even report LATE and get hit with a $200 penalty. As a result, one proposal is currently in the works that would enact “a stock trading ban for “senior government officials,” which would result in all high ranking officials being “prohibited from investing in securities, commodities, futures, cryptocurrency and other similar investments …and be banned from shorting stocks. Now, LOGISTICALLY, it would be a nightmare to ACTUALLY enact - that’s why, I think a BETTER SOLUTION, would simply REQUIRE that all stock trades be announced 48 hours in advance. On top of that, the failure-to-file penalty should be increased to an amount that DISCOURAGES any late filings from happening in the first place. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Paid endorsement. This does not constitute investment advice. Investing involves the risk of loss, including the potential loss of principal. Brokerage services for US-listed, registered securities available on Public are offered by Open to the Public Investing, Inc. (OTTP), member FINRA & SIPC. Brokerage services for securities issued pursuant to Regulation A of the Securities Act of 1933 are offered through Dalmore Group, LLC (Dalmore), member FINRA & SIPC. OTTP and Dalmore are not affiliated entities. Cryptocurrency trading is provided by Apex Crypto LLC (NMLS ID 1828849). Apex Crypto is licensed by the NY State DFS.**Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
How Much Money MrBeast Makes | The Full Story Graham Stephan 2022-09-26 | MrBeast reveals how much money he makes, where he invests his money, and how he was able to grow his entire business into one of the most successful brands of 2022 - Enjoy! Add me on Instagram: GPStephan | THE FULL INTERVIEW HERE: youtube.com/c/TheIcedCoffeeHourSUBSCRIBE TO MRBEAST: youtube.com/user/MrBeast6000GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The Next Great Depression - How To Prepare Graham Stephan 2022-09-23 | Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Lets talk about the market downturn and what this means for your money - Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2022 ECONOMIC RECESSION: FOLLOW MARKET SENTIMENT: marketsentiment.substack.comIt was found that investors have the tendency to sell at the worst possible time, and buy when the market is already on an upward trajectory because they fear missing out..and, in doing so, they basically sell the bottom and buy the peak, lowering overall returns. So, in terms of the “RIGHT WAY” to invest to maximize returns…one strategy entails “buying the dip,” which - on average - results in a return nearly TWICE THAT of someone who simply “holds on and does nothing.” Markets tend to take, on average, 1-2 years to bottom…and, 2.6 years to recover…so, buying consistently allows you to purchase those lows - while gaining the future upside at the exact same time. Plus, every single study shows that - the longer you invest - the smaller your chances are of losing money, with a 99.8% likelihood of a balanced portfolio being profitable over a 15 year timeframe. Overall, this year is PROBABLY going to be quite difficult for most investors - and, that’s something to be expected. Investments don’t just continue going upwards, indefinitely, and there are going to be years where you lose money - it’s a part of the process. But, don’t let that deter you - and, if anything, it should be motivating that you’ll be able to buy everything for a cheaper price than you could’ve, a year ago. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The FED Just Crashed The Market | Major Changes Explained* Graham Stephan 2022-09-21 | Lets talk about latest Federal Reserve Rate Hike from Jerome Powell - Add me on Instagram: GPStephan | GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE SEPTEMBER FEDERAL RESERVE MEETING: They said, that we’re most likely to see ANOTHER 75 basis point rate increase at their NEXT meeting in November, along with another 50 basis point hike in December, putting us at interest rates note last seen since prior to The Great Recession. In addition to that, they ALSO made it apparent that they expect 2022 to see next to no GDP growth, at just 0.2%…and, have revised every single projection DOWNWARDS…implying that our economy is likely to slow down FURTHER than expected, potentially bringing us through an economic recession. Because of that, they mentioned that a “SOFT LANDING” will be challenging, and will ultimately depend on how long prices stay high - after all, they understand that inflation is largely driven by supply shocks and various other factors that they have absolutely no control over - so, the longer those issues persist, the worse it’s going to be for OUR economy. Jerome Powell also said, that it’s also important that they hike rates NOW while earnings are still strong, employment is still high, and the economy can absorb some of the “shock” - than wait too long for the economy to overheat, and then - it’ll be much more difficult to get under control. In addition to that, they ALSO mentioned that the unemployment rate is LIKELY going to increase in their effort to “restore price stability,” going from 3.8% to 4.4% next year…and, we’re probably going to see fewer job openings until they begin to reverse course…in 2025. In the mean time, they don’t intend to front load more rate hikes than necessary and “shock the market” to “get it over with”….but, they did say, that the housing market is likely to go through a “correction,” while prices “reset” to a new normal, following higher mortgage rates. In terms of how much a correction we might see…by definition, it’s a decline between 10 and no more than 20% off peak prices…so, if he’s correct…we could see housing levels come back down to where they were at the beginning of 2021. OVERALL, though, this entire meeting was rather BEARISH, with a very clear message that: rates are going higher, they’re STAYING higher - for longer…and unemployment is going to INCREASE. This was a very different message than his previous meetings, where - it was mentioned that they’re “committed to fighting inflation,” while waiting a rosy outlook for the future...but this time…not so much. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Why 25% Of Workers Just Quit Their Job Graham Stephan 2022-09-19 | Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Lets talk about Quiet Quitting, its impact on workers, and what this means for the economy - Add me on Instagram: GPStephanNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF Even though the term “Quiet Quitting” has existed for well over a decade…the RECENT trajectory is all thanks to a viral TikTok, which summarized that - even though you’re not outright QUITTING YOUR JOB - you’re quitting the idea of going “above and beyond.” You’re still performing your duties, but you’re no longer subscribing to the “hustle culture mentality” that work has to be your life - and that, your worth is not defined by your productive output.However, the reality is: “acting your wage” will come at the cost that - long term, you’ll likely have a much harder time getting a promotion, working up to new opportunities, or even keeping your job - IF that’s something you value. If you’re the type who WANTS recognition, who WANTS to grow within their career, and WANTS to eventually make more money…it’s often BETTER to give a LITTLE MORE than expected, and by doing so - you make a lasting impact that sets you apart from the competition. In addition to that, it also serves as your safety net in the event we DO enter a severe recession with mass layoffs…because, like it or not…throughout recessions, we tend to see a COMPLETE contraction across the entire economy, including job losses.I would take this EXTREMELY SERIOUSLY…because, even though it’s easy to “quietly quit” while unemployment is at an all time low, since 1955 "the U.S. economy has always experienced a recession within two years from every quarter in which inflation was above 4% and unemployment was below 5%, as they are today.”….and, on top of that…the unemployment rate has NEVER held below 3.5% for more than a year. From my perspective, it’s totally okay to set boundaries in terms of your work/life balance…but, it shouldn’t be surprising if someone else gets the promotion, or a better opportunity - and that needs to be factored in, at least to SOME degree.Of course, on the flip side: employers can’t simply expect their employees to keep 1-upping each other for a raise that doesn’t match inflation - plus, I’m sure it’s also demotivating to see the person who slacks off, getting paid the same as the person who takes on extra work, so, companies NEED to cultivate an environment where there CAN be incentives along the way. Now, as far as what YOU could do about it: honestly, if you’re the type who’s happy with what they’re doing, self-motivated, and has a clear path for what you want, this is an opportunity to stand out in the workplace, and solidify yourself as someone who indispensable for the company. It could also be a great time to look for other work that’s more personally fulfilling, or - creates a better environment for what YOU want out of life. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The Housing Market Is Going Insane | $0 DOWN MORTGAGES ARE BACK Graham Stephan 2022-09-16 | Lets talk about the new Zero Down Mortgage Program - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE NO MONEY DOWN MORTGAGE: This was launched as a brand new pilot program for first-time home buyers, that aims to help underserved neighborhoods in “designated markets throughout Charlotte, Dallas, Detroit, Los Angeles, and Miami.” This would allow individuals and families to obtain an affordable loan, with no money down, no PMI, no closing costs, and no minimum credit score. Now, even though these loans ARE intended to help underserved neighborhoods, eligibility is based entirely income and home location, with prospective buyers being required to complete a “homebuyer certification course” prior to applying. This means, ANY first time buyer is able to apply as long as the home falls within the approved zip codes. On the surface, it doesn’t appear to have many of the “Red Flags” that were associated with the 2008 Housing Crash: Even though homeowners are putting NO MONEY DOWN, with NO CLOSING COSTS, and NO PMI…they are NOT getting variable interest rate loans, which, arguably - is where a lot of initial trouble started. Second, it’s currently a pilot program within select zip codes of certain cities…so, even though ANY first time home buyer can apply who meets the eligibility requirement, it’s not prolific enough to affect real estate prices on a large scale. Third, when people hear “NO MINIMUM CREDIT SCORE REQUIRED TO BUY A HOME," it’s shown that - by including phone and utility payments - lenders can get a similar risk model and default rate, to calculating credit cards and loan payments - so, it makes SENSE to include alternative data to give people loans who OTHERWISE would not have qualified. And fourth, unlike 2005’s “NO INCOME, NO JOB, NO ASSET” loans, Bank of America IS looking at income history, employment, and current assets to determine eligibility. HOWEVER… the issue that I see in all of this, is that - offering NO MONEY DOWN mortgages, at a time where median prices are at an all time high - exposes the buyer to A LOT of risk in the event the market goes down, they lose their job, or - their income declines. In those scenarios, it’s HIGHLY UNLIKELY that they’ll have enough equity to be able to sell their house, WITHOUT coming out of pocket a significant amount of money...and, essentially “locking them” into fixed monthly payments without a clear path out. Obviously, this presents a SUBSTANTIAL RISK that - most likely, the person who’s putting no money down, is NOT going to be able to come out of pocket to sell, IN THE EVENT something unexpected happens and the market declines - and, unless prices keep going up - they’ll be “stuck” making the payments on their home, whether or not they can financially afford it. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
It Started: The Worst Housing Crash In 40 Years Graham Stephan 2022-09-14 | Enter at omaze.com/grahamstephan for your chance to win an Audi RS E-Tron and help support a great cause! - Enjoy! Lets talk about the 2022 housing market, the recent price drop, and how you can prepare - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF The 2022 Housing Market: First, mortgage refinances. =In July, every single aspect of refinances dropped to its lowest level…ever reported…in history. In addition to that, this was ALSO the first time - ever - that HOME SALES accounted for 64% of all mortgage prepayments. Second,Home Prices. As they report, the housing market has officially shifted from “slowing down” to a “DECLINE” in July, with median prices falling for the first time in 32 months. That means, that annual price growth in July was the fastest single-month deceleration in more than 40 years… falling during a summer month, that usually increases. Third, they noted that some markets are being hit worse than others: The largest decline, so far, is awarded to San Jose, California - with a 10% drop in just the last 3 months…along with Seattle, Washington, at 7.7%…San Fransisco at 7.4%…San Diego…Los Angeles…Riverside, California…Portland…Las Vegas…and finishing off with Richmond, Virginia with a decline of 1.1%. All in all, more than 85% of major markets have seen prices decline from their peak…with a third experiencing declines of more than 1%. So, in terms of what this means for YOU:One, when seller’s can’t get the price they want - they’re instead, choosing to rent - and this is good news. With more homes being offered for lease…this should help ease low inventory, and bring down monthly prices right alongside with it. Second, as we approach the end of summer - housing demand typically declines, and that could be even MORE pronounced throughout the rest of 2022. A RedFin Chief Economist even went so far to explain that “Thanks largely to mortgage rates near or even above 6%, potential homebuyers and sellers are focusing on the back-to-school season and enjoying the last days of summer rather than getting into an uncertain market.”Three, even though this sounds severe - it’s probably NOT going to lead to an “all out crash.”For example, Moody’s Analytics believes that - most likely - housing prices will shift somewhere between 0 and -5% year over year, to as much as -10% if we enter a severe recession…this “worst case scenario” still pales in comparison to the 2008 Great Financial Crisis, where housing prices fell 33 percent from the peak, over a period of 3.5 years.Four, because of that - there are some steps you can take to come out ahead, IF you’re in the market for a home: One: Shop around your mortgage rate. Even though rates have gone up - significantly - that doesn’t mean you can’t get a better deal with someone else…so, it doesn’t hurt to ask.Two: Don’t get attached to one any property. Chances are, eventually - something else will come up that’s just as nice, so negotiate as best as you can, and don’t be afraid to walk away. Three: Lock in a FIXED RATE LOAN. That way, no matter what happens, your payment stays the exact same. And four: Only buy a home that you intend on keeping for at least 7-10 years. That way, you’ll be able to ride out any fluctuations in the market long enough for it to - hopefully - recover. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
How To Be A Millionaire In 10 Years (Starting With $0) Graham Stephan 2022-09-12 | Lets discuss how to build a million dollar net worth, starting from $0, in 10 years - Enjoy! GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham | Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF HOW TO BE A MILLIONAIRE IN 10 YEARS: ONE: You NEED to save as much money as possible. As simple as it might be to say: without this part, the ENTIRE plan fails…and, when it comes to increasing your net worth, at the end of the day…it doesn’t matter how much you make…but instead, how much of that you’re able to save. TWO: You ALSO need to make a lot of money. Working ANY job that pays based on RESULTS or individual TASKS…your income will SKYROCKET, because NOW - hours no longer make a difference. Personally, I think sales are one of the most under-rated careers out there, because it often serves as a stepping to earning a higher income, while teaching you everything you need to know about time management, customer service, and efficiency….not to mention, it could also provide funding for just about anything else you want to do, later. THREE: Realistically, you’ll also have to invest your money. As an example, just consider this: If you SAVE your way to $1,000,000 in 10 years…you’ll have to put away $273, every single day - or, $8333 per month - to make that a reality. BUT…if you just INVEST that money, instead….you can get there with “just” $158 per day, or $4750 per month, while averaging an 8% return…or, in other words…you need substantially less if you’re consistently putting your money to work. THE PRACTICAL STEPS: First, cut back as many expenses as much as you possibly can. Figure out the BARE MINIMUM that you need to survive, with some discretionary spending thrown in every now and then…and, from that point on- anything you make above that amount will be automatically invested. Second, determine how you can make more money. Perhaps look into switching careers, learning a trade, starting a side hustle, or starting a low-overhead business from home. The fact is, this isn’t going to be possible if you earn under $50,000 per year…but, the GOOD NEWS is that there are PLENTY of ways to make extra money, if you’re willing to put in the time.Third, once you have enough money saved up - I would highly recommend you reduce, or even eliminate your entire housing cost by investing in a multi-family property. This is where you buy a multi-family home, like a duplex, triplex, or fourplex, then live in one of the units and rent the others out. Typically, when done right, those other units will cover the entire cost of owning the building - and all of a sudden, you’ve got a free place to stay, while allowing you more money left over to re-invest. And fourth, you can keep repeating that process every 2-3 years. For example, banks allow you to get a low interest rate loan, as a primary residence, with up to 4 units - as long as you intend on living there for a year. That means, you can buy a cash flowing property - move in one of the units…wait for another one to come along…buy that, rent out the previous unit…and start the process over again, while gaining equity and cashflow at the exact same time.At the end of the day, building up a $1 million dollar net worth is all about numbers - and, even though your spending tends to be the EASIEST to control and point you in the right direction - your income is the speed at which you’ll hit your target. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Meet The $700,000,000 Man Who Lost Everything | Dave Ramsey Graham Stephan 2022-09-09 | Dave Ramsey discusses his investments, income, growing a business, and how he spends his real estate empire - Enjoy! Add me on Instagram: GPStephan | Follow Dave Ramsey Here: youtube.com/c/TheRamseyShowGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
My Tenant Just Trashed My House | The Aftermath Graham Stephan 2022-09-07 | Let's talk about owning real estate, the reality of being a landlord, and my advice when renting a property - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
From Homeless To Owning A Bugatti | TheStradman Graham Stephan 2022-09-06 | From Homeless To Owning A Bugatti | TheStradman - Original Video Here: youtu.be/bTecHenYWqA | Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Dave Ramsey Reacts To My $25 Million Dollar Investment Graham Stephan 2022-09-02 | Today we meet with Dave Ramsey to discuss investing, debt, building wealth, and credit cards - Enjoy! Add me on Instagram: GPStephan | Follow Dave Ramsey Here: youtube.com/c/TheRamseyShowEpisodesGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
China Is About To Cause A Global Recession Graham Stephan 2022-08-31 | Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Lets talk about the Global Recession and its impacts across the world - Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBTHE GLOBAL RECESSION: On a really, really overly-simplified scale, it’s easy to see how one failing economy could effect the demand of another, while increasing costs on another, and causing a cascade effect throughout the entire world. In this case, higher energy costs result in higher inflation…higher interest rates…reduced demand…supply chain shocks…and, before you know it...we’re in a global recession. To me, it’s not rocket science to see that China’s lack of growth would result in fewer US Exports, less international investment, and less profits for the businesses that we invest in - but, solving the issue isn’t going to happen anytime soon - and, most likely, it’s going to serve as a reminder that - each country will have to adapt for the option of producing their own materials “in house” to avoid future shortages.Realistically, though…it seems like, the most plausible scenario is that “both the United States and the euro area experience near-zero growth next year, with negative knock-on effects for the rest of the world” - which, basically means, our economy will need to cool off, before pushing forward. In a weird way, less demand is desperately needed, and could help bring down inflation to the point where interest rates won’t need to constantly increase. But, for the foreseeable future, it’s probably best to pay attention to how much you spend, keep a diligent budget, continue investing as usual…and, stay employed…because, most likely - we’ll have to wait for these conditions to improve before the entire world can continue grow…hopefully….in a way that benefits everyone. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The LARGEST Wealth Transfer Just Started | How To Prepare Graham Stephan 2022-08-29 | To try Rocket Money for free and unlock more features with Premium head to http://RocketMoney.com/Graham - Enjoy! Lets talk about why the National Savings Rate has plummeted and what you can do about - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF In June, it was reported that 61% of Americans are living paycheck to paycheck - and, as of a recent report - higher costs and rising inflation have NEGATIVELY affected ALL INCOME BRACKETS…with the personal savings rate NOW at the lowest it’s been in 10 Years. So, as ways to save extra money: 1. BUY IT TOMORROWThe fact is, impulse purchases are getting MORE AND MORE COMMON, with the average American spending an EXTRA $314 per month, without even realizing it. But, by buying it tomorrow - you can significantly reduce those purchases by thinking through which items you really need. 2. WOULD YOU TAKE THE CASH EQUIVALENT?The reality is, we usually FORGET about how much something is going to cost, when we’re so fixated on just getting the thing that we want. But, by reframing each purchase as a dollar amount that you could EARN…it’s almost as though you PAY YOURSELF to save the difference, once you decide not to buy something. 3. THINK: HOW MANY HOURS WILL THIS COST TO PAY FOR IT?For example, let’s just say if you’re making $30 per hour and decide to drop $90 on dinner...in a way, that dinner is ACTUALLY costing you 3 hours of your time - or, spending $30 eating out during your one hour lunch break, would be the same as you needing to work one hour later just to make up for it. Is it worth it?4. TRANSFER THE SAVINGS IMMEDIATELYThis is a great way to not only make sure you actually KEEP the money you’re saving, but it’s also really effective because you can begin seeing the immediate results of cutting back. 5. THINK OF HOW MUCH YOUR MONEY COULD BE WORTH IN THE FUTURE. If you just took the average return of the stock market, adjusted for inflation, with dividends re-invested, $100 today would grow to $425 in 20 years, $875 in 30 years, and $1800 in 40 years. - meaning, you can multiply your current spending by 4-18X, and that’s how much it could be worth…if you just invested, instead.My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
It Started: The Housing Market Is Collapsing Graham Stephan 2022-08-26 | Lets talk about the housing market and why prices are falling - Enjoy! Add me on Instagram: GPStephan | GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE 2022 HOUSING MARKET:On the most basic level, we have the numbers that everyone is talking about: Mortgage demand fell to a 22 YEAR LOW as rates have almost doubled from a year ago, mortgage applications are 18% lower than the same week in 2021, and refinances saw an 83% drop year over year. BUT - the one piece of data that matters the most, is that for the first time since prior to the pandemic, Median prices have started to DECLINE, MONTH OVER MONTH, with prices now $10,000 LOWER THAN THEY WERE, JUST A MONTH AGO. As the National Association Of Realtor's explains, the ongoing sales decline reflects the impact of higher mortgage rates, which peaked at 6% in early June, before now declining back to 5%. This increase SEVERELY impacted the number of buyers in the market, with total housing inventory having increased 4.8% from the month prior - meaning, with fewer homes being sold, there’s more AVAILABLE for buyers to chose from. HOWEVER, even though they ADMIT that “we're witnessing a housing recession in terms of declining home sales and home building”….nearly 40% of homes are still selling at full list price, and properties were staying on the market for a record low of just 14 days in July. On top of that…82% of homes sold were on the market for LESS THAN A MONTH…suggesting that, even though prices ARE beginning to fall…they’re not declining as fast as most people would expect. In terms of falling home prices, The largest drop, so far - was San Jose, which recently fell 4.5% MONTH OVER MONTH, along with Phoenix Arizona, San Fransisco, Austin Texas, Sacramento, and San Diego - while areas like Miami, Richmond, and Memphis, Tennessee actually saw a slightly INCREASE. On top of that, Zillow REVISED their forecast to show home price growth at just 2.4% throughout the next 12 months - which, WHEN adjusted for inflation - is likely going to mean: REAL PRICES, OVERALL, WILL PROBABLY DECLINE.Moody’s Analytics ALSO believes that a large portion of the market will see a decline throughout the next year, with the most “At-risk” housing markets being the ones that saw the MOST home appreciation over the last 2 years. That’s why, the way I see it - unless you live in a highly speculative market - most likely, some softening is healthy, and it might be a good opportunity to negotiate a lower price on a property that’s otherwise perfect. Besides that, though, I wouldn’t worry about a catastrophic real estate collapse, BUT, personally - I would only buy a property that you intend to keep for at least 7-10 years. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
$10,000 LOAN FORGIVENESS - EXPLAINED! Graham Stephan 2022-08-25 | Lets discuss the NEW Joe Biden Student Loan Forgiveness - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
STOP PAYING TAX | New URGENT IRS Rule In 2022 Graham Stephan 2022-08-24 | Lets discuss the new IRS changes, increased funding, and audit rates - Enjoy! Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF INCREASED AUDIT RATES: Under the Inflation Reduction Act, $46 billion dollars is going to be spent on hiring more enforcement agents, and keeping track of cryptocurrency taxes, which, as CBS explains - is a relatively new area of the IRS. Of course, in a recent statement, Janet Yellen says that those earning under $400,000 won’t have anything to worry about, and that “new funding will crack down on tax evaders among the wealthy and large corporations, invest in technology upgrades that help taxpayers, and hire more customer support staff to prevent backlogs."A further clarification explains that “those 87,000 employees will not all be hired at the same time, will not all be auditors and, in many cases, will be replacing employees who are expected to quit or retire.” HOWEVER, others disagree, pointing out that - just this year alone - audit rates have more than DOUBLED for those making above $100,000 per year, suggesting that, most likely, those earning under $400,000 will ALSO be scrutinized by the IRS at a higher pace than before. Some argue that “Americans who earn less than $75,000 per year are slated to receive 60% of the additional tax audits,” while the other side says that “those making under $400,000 aren’t the target”…although, from what I could gather…the truth is PROBABLY somewhere in the middle. What we DO know is that “the bill states that it is not "intended" to increase rates for taxpayers who aren't in the top 1% of earners,” - even though, they COULD be subject to increased audit rates. The other thing we know is that IRS funding has declined - SUBSTANTIALLY - since 2010, meaning that - most likely, an increased budget is NOT going to take us above levels that we haven’t ALREADY seen in the recent past.In fact, The Treasury for Tax Policy went on record to say that: “The proposal would return audit rates to the levels of about 10 years ago; the rate would rise for all taxpayers, but higher-income taxpayers would face the largest increase”In terms of their hiring, he then explained that “over half of the IRS staff — 50,000 — is eligible for retirement in the next five years, and that much of the funding for new employees will be focused on mitigating that attrition and adding customer service.” We also know that roughly $200 billion dollars is uncollected due to noncompliance and an inability to audit the complicated returns…so, there needs to be a change, SOMEWHERE, to bring revenue in-line with expectations. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
China’s Economic Collapse Just Got Worse Graham Stephan 2022-08-19 | China is experiencing an economic downturn as they lower interest rates, spending decreases, and property values decline - here's what this means for everyone watching - Enjoy! Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFFIn response to slowing growth, a declining property market, and falling demand…China did the unthinkable, by LOWERING INTEREST RATES to help stimulate MORE growth, while - at the same time - pumping $60 BILLION DOLLARS into the financial system as a way to incentivize lending. However, they maintain that “the government won’t roll out massive stimulus measures or flood the financial system with too much new money, and would instead aim for stable prices, and “a relatively good economic performance."Now, in an ORDINARY MARKET, such a rate cut and injection of money would be seen as a BULLISH sign for the economy - but, in THIS case - it’s seen as a REALLY NEGATIVE signal, as yet another failing effort to keep the economy afloat just a little while longer. In just the last few days, 5 state owned companies were removed from the US Market citing “high administrative burden and costs” as the reason for their decision - however, the timing happened to come just months after the SEC flagged those companies for failing to meet United State’s auditing standards - leading to the assumption that - maybe more businesses are about to follow.After all, China responded by saying that “they are reluctant to let overseas regulators inspect local accounting firms due to national security concerns.” - and, with the clock ticking, either China must comply, or over $1 Trillion Dollars could be de-listed from our US-based markets. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Getting Fired | Why 20% Of Workers Could Lose Their Job Graham Stephan 2022-08-17 | Get up to an extra $10,000 when you transfer your stocks to Public from another brokerage - Go to http://public.com/graham and use code GRAHAM - Enjoy! Add me on Instagram: GPStephanNEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*This is a paid endorsement for Public.com. Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. See Public.com/disclosures*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Its Over: China’s ENTIRE Economy Is About To Collapse Graham Stephan 2022-08-10 | Check Out Casgains Academy Here: youtube.com/c/CasgainsAcademy - Lets talk about the economic collapse of China, the mortgage crisis, and ongoing bank freezes - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF Throughout the last few years, China experienced what many would call a “real estate housing boom bubble,” as citizens preferred to invest their money in housing as a safety net, causing the real estate market to increase double-digits year over year. But, there was a problem:It's alleged that some of the largest developers were taking presale money, funneling them into NEW projects for the purpose of garnering even MORE pre-sale deposits, and running a property Ponzi-scheme by using new funds to slowly complete the construction of past projects. As more and more properties fell behind on construction, or flat-out abandoned projects due to a lack of funding…buyers have staged a mortgage boycott…where “All homebuyers with outstanding mortgage loans will stop paying, unless construction resumes before Oct. 20.”The loans have also spilled into their banking system, where customer deposits have been frozen since April. Over 400,000 customers across China have fallen victim to similar “bank-run” activities, and it’s reported that a quarter of the industry’s total assets are held by 4000 smaller lenders…”which often have opaque ownership and governance structures and are more vulnerable to corruption and the sharp economic slowdown.” My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The TOP 5 WORST Credit Cards In 2022 Graham Stephan 2022-08-08 | Download the Experian App or visit http://www.Experian.com/Boost - Add me on Instagram: GPStephan - These are my personal 5 WORST Credit Cards Of All Time - Enjoy! GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF DISCLAIMER:The views and opinions expressed herein are those of the author and do not necessarily reflect the legitimacy of these companies. Do your own research and come to your own conclusion. For entertainment purposes only! THE BEST CREDIT CARDS OF 2022 HERE: youtu.be/1LzGIafwgTcMy ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
Selling Everything - The Next Crash Is Coming Graham Stephan 2022-08-05 | GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham - Add me on Instagram: GPStephanGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF INSIDER SELLING - FOLLOW MARKET SENTIMENT BLOG HERE: marketsentiment.substack.com/p/insider-purchaseWhile retails traders were celebrating the stock market’s best month since 2020, corporate insiders have begun SELLING THEIR HOLDINGS at the fastest pace since JANUARY, sending the signal that: MAYBE they’re preparing for another big drop.After all, insider transactions have they’ve correctly predicted the next rally since 1992, even buying up the bottom just a month ago. Or, in other words…when insiders buy and sell stock on a LARGE SCALE…they tend to be right, at least in the short term…and, the BEST WAY to find these signals is through what’s known as “Cluster Buying.” In terms of what’s happening NOW, there’s a LOT of skepticism in terms of the recent SP500 price increase, leading insiders to sell at a rate not last seen since January, and the fear that some people worry about the most: A BEAR MARKET RALLY.This is a term that refers to a stock market increase of more than 5%, in the middle of an even larger downtrend…and, during bear markets…it’s actually incredibly common. In fact, Investopedia notes that “Every bear market between 1901 and 2015, spawned at least one 5% rally…and rallies of 10% or more interrupted two-thirds of the 21 bear markets over that span”…or, basically, our market is performing right alongside with history. It’s also noted that, the deeper the decline, the higher the rebound…for example, in 1929…the DowJones increased by 48%….before then falling 86% to a brand new bottom. The DotCom crash ALSO had 8 bear market rallies of at least 18%, and four gains of 30%, before then dropping even lower. All of that is to say that, even though insiders are SELLING MORE SHARES than they’re BUYING…it could be a signal that we’re about to see another drop, and that THEY KNOW SOMETHING WE DON’T….OR, it could be the fact that they’re worried about slowing demand, they’re downsizing, and - it makes sense to take some chips off the table now that prices have started to recover. This would allow them to be in a better financial position, should inflation CONTINUE to be an issue…but, regardless…there is NOT a one size fits all approach that’s right, 100% of time, in terms of predicting what we’re going to see. That’s why, the best strategy…continues to be…drumroll…yet again…dollar cost averaging into the markets on a regular basis, regardless of where it trades. That means, you won’t get ahead of yourself and think “the worst is over, I can dump my life savings into SOFI stock because Jerome Powell saved the market” - but, you also won’t SELL EVERYTHING at a time where - potentially, we could be entering a new bull market and rising back near all time highs. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
The Largest Housing Crash Is Coming | Why I Sold Graham Stephan 2022-08-03 | Sign Up Today! Download the Experian App or visit http://www.experian.com/credit/credit-cards/get-started - Enjoy! Huge thank you to Jason Oppenheim for coming on the video - Add us on Instagram: GPStephan / JasonOppenheimGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE 2022 REAL ESTATE MARKET:BUYERS: It’s difficult to place a “once size fits all” approach throughout everything - although, some markets have already started to see a net decline. In fact, Boise Idaho saw more than 60% of their sellers issue a price reduction, along with 50% of sellers dropping their asking price throughout Denver, Colorado, and Salt Lake City, Utah. As a BUYER - fortunately, you’re in a good position to negotiate, make lower offers on properties that have sat on the market, and - not worry about losing a deal, because - most likely - another one is already listed.SELLERS: Realtor.com found that “the share of homes that reduced their list price reached 14.9% in June versus 7.6% a year earlier” - meaning, sellers can no longer ask unrealistic numbers and GET IT…but, even as of recently: nearly 5 offers are being received for every property sold, with more than 50% of buyers still offering over list price. RENTERS:Just recently, a Realtor.com analysis found that - in metropolitan cities - rent increases have finally begun to slow down, and - in some locations - EVEN REVERSE - as demand begins to subside. In large cities, rents have simply increased to a price that tenants are unable to pay. Bloomberg noted that, after rents rose almost 12% year over year on the average 2 bedroom apartment…they’ve begun to come back down…with a decrease of 2.9%. So, overall…it’s definitely apparent that…we are finally beginning to stabilize, and enter a new phase of normal that isn’t just “prices keep rising indefinitely.” From what I can see, mortgage rates have begun to hold firm…and, even decline to 5%…prices are still increasing, albeit at a slower pace, and rents are only going to go as high as tenants can afford. The YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
STOP SPENDING MONEY | Why The Middle Class Is Screwed Graham Stephan 2022-08-01 | Use my link http://ritual.com/graham and code GRAHAM for 20% off your first month of Ritual. # ritualpartner - Enjoy! Lets talk about the Middle Class Inflation Act Of 2022 - Add me on Instagram: GPStephan | Video Inspired By ClearValueTaxGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE MIDDLE CLASS SAVINGS AND INVESTMENT ACT. Video inspired by ClearValueTax: youtu.be/h_57iwEhnGEThis new bill has the SOLE PURPOSE of basically getting you to spend less money: To start, it would CHANGE THE TAX RATES for Long Term Capital Gains. Under this NEW proposal - this amount would be AMENDED, with a 0% long term capital gains tax on joint returns making less than $165,000 per year, or - for single filers making under $82,000 per year. This means that - for a SIGNIFICANT PORTION of the population - they would pay NO TAXES, WHATSOEVER, on investment income earned within the stock market, or real estate…and, would provide a MAJOR INCENTIVE to invest more money…rather than spend it.Second, this bill would also allow the FIRST $300 - $600 you make in INTEREST INCOME be completely tax free, depending if you’re single or filing jointly. Three, for my WEALTHIER viewers out there, it would also modify the NET INVESTMENT TAX, which - as of right now - applies a 3.8% surtax to investment income if you make more than $200,000 to $250,000 per year…depending on if you file single, or jointly. And FINALLY…FOURTH…we have the “enhancement of the savers credit.”As it stands now, the “Savers Credit” gives low and middle income Americans up to $1000 who contribute to their retirement account…and, with this new proposal…that amount would be increased to $2500, with the income limitations expanded so that more people can qualify. PRACTICALLY, though, I’m not quite sure how these proposals would help reduce inflation. The way I see it, this only would only help those who HAVE the disposable income to invest … and, for everyone else, yes - tax credits would absolutely make a difference - but, would it result in lower food and oil prices? Probably not. That’s why, I think it sounds like a REASONABLE proposal that would help a LOT of people…but, not for the purpose of bringing down inflation….unfortunately, that’s likely going to need a lot more sustained effort, long term…and, I wouldn’t be surprised if tax rates are negotiated, at a LATER TIME, as they’re currently set to expire at the end of 2025. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
My Response To Dave Ramsey Graham Stephan 2022-07-29 | Here is my response to Dave Ramsey and The 2022 Real Estate Market - Enjoy! Original video here: youtu.be/fORUvZNm3oo - Add me on Instagram: GPStephanGET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.comGET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterTHE NEW PODCAST: youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kwThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
THE FED JUST FLIPPED THE MARKET | Major Changes Explained Graham Stephan 2022-07-27 | Visit bit.ly/Scaler_GrahamStephan to take the free live class - Enjoy! The Federal Reserve Just Flipped The Market And Said: There’s No Recession - Here’s Why. Add me on Instagram: GPStephan GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & READ MY THOUGHTS ON THE MARKET - USE CODE GRAHAM: http://www.public.com/graham GET MY WEEKLY EMAIL MARKET RECAP NEWSLETTER: http://grahamstephan.com/newsletterThe YouTube Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF THE FEDERAL RESERVE RATE HIKE: With this most recent rate hike, it was noted that “Recent indicators of spending and production have softened,” - indicating that - POTENTIALLY - we could start to see the reversal of sky-high consumer prices. cnbc.com/2022/07/27/heres-what-changed-in-the-new-fed-statement-red-line.htmlNow, in terms of Jerome Powell’s recent conference…on a POSITIVE NOTE, he did mention that they would consider SLOWING the rate increases, IF inflation begins to subside…and, as of TODAY…we could ALREADY be at a “neutral rate of interest,” which means - THIS could be the last of the any MAJOR rate hike, unless we signs of worsening inflationOf course, keep in mind, that - the NEXT MEETING is going to be in September…so, the following two months are very much going to be a “Wait And See” approach, and then - they can adjust accordingly. On top of that, Jerome Powell also noted that he doesn’t BELIEVE we’re currently in a recession because we’re in a very strong labor market…and, even IF we see a declining GDP, it’s a GOOD THING to help soften demand…so, from this perspective…he believes it’s actually a POSITIVE, and something TO LOOK FORWARD TO….or, in other words…even if we get a recession…for the federal reserve…it’s NOT really a recession.youtube.com/watch?v=vOLNJ_tww1QHe also gave us the indication that, MOST LIKELY…we’ve ALREADY got the largest rate hikes OUT OF THE WAY, and - in the future - they could be much smaller, as the economy begins adjusting back to normal. My ENTIRE Camera and Recording Equipment: amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EBFor business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures
