This training video provides debt counsellors with practical guidance on the Debt Counselling Rules System (DCRS), including key processes, calculations, and best-practice application within the debt review process. Designed to support compliance and consistency, the session aims to enhance understanding of DCRS principles and their effective implementation in day-to-day debt counselling operations.

America’s debt problem isn’t coming, it may already be here.

Most people think the Federal Reserve controls interest rates. But behind the scenes, foreign governments, global investors, and oil-rich nations holding trillions in U.S. debt can influence everything from mortgage payments to business loans. When major Treasury holders sell bonds or pull back from lending, borrowing costs rise across the entire economy.

This video explores the hidden systems propping up America’s debt machine, from the Federal Reserve’s emergency lending facilities to foreign demand for U.S. Treasuries and the growing pressure inside commercial real estate. We’ll uncover why a trillion dollars in property loans are hitting a refinancing wall, how overseas conflicts can raise mortgage rates for American families, and why the global financial system increasingly depends on permanent intervention just to remain stable.

The real danger isn’t a sudden collapse. It’s a system becoming more fragile, more dependent on backstops, and less able to function without them.

00:22 – The 2026 Mortgage Spike
03:16 – The Invisible Pawn Shop
05:32 – The Warning Nobody Watched
07:18 – The Japan Pivot
09:18 – The $1 Trillion Maturity Wall
12:42 – The Dollar Liquidity Squeeze
15:09 – Who Actually Holds the Debt Now
17:51 – The Great Dollar Backstop

Narrated by: Josh Risser

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All videos are based on publicly available information unless otherwise noted.

Complaints against credit providers are on the rise, with the National Financial Ombud Scheme receiving more than 3,000 complaints in 2025 and ruling in favour of consumers 62% of the time. Common issues include prescribed debt, fraud, unfair blacklisting and questionable credit practices. Kwanda Vabaza, Manager of Adjudication at the NFO’s Banking and Credit Division, explains what’s driving the surge in complaints and what consumers can do when their rights are infringed.

Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. 

A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. 

Thank you for listening to a podcast from Afternoon Drive with John Maytham 

Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk 

For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x 

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See omnystudio.com/listener (https://omnystudio.com/listener) for privacy information.

#DebtReview #southafricanyoutuber #financialfreedom #momof4 #navigatinglife

?? Schedule a FREE Personalized Mortgage Consultation ???? with a Kelly Zitlow Group team member today! ?? https://bit.ly/3wERfRV

We lend in 45 states + Washington D.C. Our mission is to provide honest, well-communicated, and knowledge-based lending experiences to all those we serve. Let’s chat and see if we can help you achieve the dream of homeownership. ?? https://bit.ly/3wERfRV ??

???? Learn more about us at: http://www.kellyzitlowgroup.com

?? ?? SUBSCRIBE TO THE MORTGAGE “HOW DO I” YOUTUBE CHANNEL: http://bit.ly/SubscribeToMortgageHowDoI

MORE VIDEOS
???? Videos for Home Buyers: https://bit.ly/2OnxUCa
???? Videos For Real Estate Agents: https://bit.ly/3wiJZcO

KELLY ZITLOW, NMLS 164330
Sr. Mortgage Advisor
EVP, Sales & Marketing
KellyZtilowGroup@houseloan.com
www.kellyzitlowgroup.com
480.725.0150

Kelly Zitlow is a Public Speaker, Sr. Mortgage Advisor, and Executive Vice President of Sales & Marketing with Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. All information presented is for educational purposes only and is used to help you as the viewer in your home buying or selling process.

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Cornerstone Capital Bank, SSB. Member FDIC. NMLS ID# 2258 | Equal Housing Lender

Loan Production Office:
14635 N Kierland Blvd Ste 140, Scottsdale, AZ 85254

#mortgage #buyingahouse #firsttimehomebuyer

Many people fear starting debt review because they think they’ll have to pay the Debt Counsellor on top of their debts.The truth is simple:

1?? In the first month, you pay your Debt Counsellor’s fee.
2?? In the second month, the legal fees are covered.
3?? From the third month onward, your structured repayments go straight to your creditors.

This system is designed to protect you and ensure a smoother journey to becoming debt-free — without extra financial strain. ????

Take control today. Don’t let fear hold you back from a fresh start.

???? Start your journey here: https://gautengdebtcounselling.co.za/

#DebtReview #DebtCounselling #DebtFreeJourney #MoneyMatters #SouthAfrica #FinancialFreedom #GautengDebtCounselling

2nd Channel @ZacV2
Compilation Channel @TheZacRiosShow
My TikTok https://www.tiktok.com/@zacrios

Chapters
00:00 Subscribe!
1:07 $60,000 Debt
2:27 Your Comments
2:59 Just File Bankruptcy
4:21 $220,000 Pool
5:38 Comment
6:03 $25,000
7:05 Not Caring
8:50 Examples
11:19 Comment
11:41 $170,000
12:25 Afterpay
13:00 Living My Best Life
14:26 Optimal Credit Card Customer
15:40 Comment
15:53 Debt
18:04 Influencer
19:14 Sports
20:15 Shopping
21:47 Store Credit Cards
23:13 Gen X Course Sellers

#money #finance #debt

If you’re thinking about or actually dealing with a debt management or debt settlement company over debts you can’t afford to pay, take a moment to hear what Attorney Eric Olsen has to say. If you’re a #senior, you may not have to pay those old #debts back!

If you’re a senior in #debt, the law protects you in many ways. But you may not know it, and these debt management or debt settlement companies probably won’t inform you of the truth. Take a moment to check out Attorney Eric Olsen, Executive Director of the HELPS Non-profit Law Firm, explaining why seniors may not have to pay back old debts.

Jeff Hoyt is SeniorLiving.org’s Editor-in-Chief.

For why seniors don’t have to worry about old debts, watch https://youtu.be/FDlyud-vG90

To learn how seniors can avoid paying taxes legally, watch https://www.youtube.com/watch?v=xv7Om8SAIAM

To watch Attorney Eric Olsen explain why seniors don’t have to worry about student loans, check out https://www.youtube.com/watch?v=PE4a7oaxc1E

To learn when seniors should consider Bankruptcy, watch https://www.youtube.com/watch?v=Iu0fy8JujGo

Subscribe to SeniorLiving.org on YouTube:
https://www.youtube.com/channel/UCIYQwu7wEpLyijISnF5Z6eA?sub_confirmation=1

For more tips for seniors: https://www.seniorliving.org/

If you’re interested in joining the hundreds of thousands of families who’ve found senior living communities on SeniorLiving.org, read the reviews on our website: https://www.seniorliving.org/housing/

To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org.

-~-~~-~~~-~~-~-
Like to save money? Please watch: “The Best Senior Citizen Discounts”
https://www.youtube.com/watch?v=kvC8qRPKi1w
-~-~~-~~~-~~-~-

Interview recorded – 17th of June, 2026

On this episode of the WTFinance podcast I had the pleasure of welcoming back Rick Rule. Rick Rule is one of the most respected resource investors of the past forty years, and the former President and CEO of Sprott US Holdings.

During our conversation we spoke about the economic resilience, ceasefire, the potential for a 10 year natural resources super cycle, FED more hawkish, energy and more. I hope you enjoy!

0:00 – Introduction
1:46 – Surprise of economic resilience
4:57 – Demand destruction
6:10 – Refilling strategic reserves
7:15 – Precious metals risk off
9:32 – FED more hawkish
11:10 – Energy bullish
17:58 – Energy services
18:40 – Regions to benefit?
21:33 – Gold & Silver
23:20 – Miners
28:44 – Under loved commodities
30:10 – One message to takeaway?

Rick began his career 47 years ago in 1974 in the securities business and has been involved in it ever since. He is known for his expertise in many resource sectors, including agriculture, alternative energy, forestry, oil and gas, mining, and water. In 1990, Rick founded the business now known as Sprott US Holdings” merging in into Sprott Inc. ( SII) in 2011. He retired from Sprott Inc., in 2021, and resigned from the board of directors in 2023, but remains Sprott’s largest shareholder. IMr. Rule is a sought-after speaker at industry conferences, and a frequent contributor to numerous media outlets including CNBC, Fox Business News and BNN. Mr. Rule is actively engaged in private placement markets, through originating and participating in hundreds of debt and equity transactions.

Rick Rule –

Twitter – https://twitter.com/RealRickRule
LinkedIn – https://www.linkedin.com/in/rick-rule-1058921a/
Website – https://ruleinvestmentmedia.com/
Seminar – https://cvent.me/XOqdLa?via=WTFInance

WTFinance –

Instagram – https://www.instagram.com/wtfinancee/
Spotify – https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfn
iTunes – https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4
Twitter – https://twitter.com/AnthonyFatseas

3 Canadian Debt Relief Options Explained | Hoyes, Michalos, & Associates | Licensed Insolvency Trustee, Maureen Parent, explains the 3 debt relief options (DMP, Consumer Proposal, Bankruptcy) available to Canadians and what to keep in mind while looking into your solution.

Join the Hoyes channel or subscribe to our newsletter at https://www.hoyes.com/subscribe-newsletter/ to learn more about managing debt and building a better financial future.

Common Consumer Proposal Questions: https://youtu.be/EIQewGojQZw

#CanadianDebtRelief #DebtRelief #DebtSolutions #Debt #DebtFreeIn30 #HoyesMichalos #DebtExplained #DebtReliefExplained #BecomeDebtFree #DebtFreeJourney #DebtProfessionals #DebtHelp #LicensedInsolvencyTrustee #DebtManagement #ConsumerProposal