Top Rated Videos
Developed economies around the world are loaded up with debt. That was less of a problem in the era of free money but inflationary pressures are back and structurally-higher interest rates mean debt is more expensive to issue and service. Many investors have been warning that governments are addicted to debt for the past 20 years and the alarm bells are growing louder. This film examines what some are calling the biggest issue in global finance today, the role of the ‘bond vigilantes’, and whether government borrowing could spiral out of control.
#markets #debt #borrowing #déficit #bonds #trading #investment #finance #investors #japan #us #donaldtrump #elonmusk #doge #uk #liztruss #rachelreeves #germany #friedrichmerz #china #italy #france #yields #bondvigilantes #bondmarket
00:00 Introduction
01:05 Why the world is ‘addicted’ to debt
03:27 Government bonds explained
04:11 The debt ‘death spiral”
06:18 Where does the deficit go?
07:47 Inflationary pressures
09:59 Return of the ‘bond vigilantes’
11:03 The UK’s Liz Truss moment
12:39 America’s unsustainable debt profiles
17:32 Japan’s debt and its determined central bank
18:54 China’s ‘staggering’ debt levels
19:50 Italy, France and Germany
22:49 A risk of a financial market ‘heart attack’
24:51 Deficits ‘can be useful’
27:12 The future
? Enjoying FT content? Get a daily slice of the very best FT journalism with FT Edit. Free for 30 days then just £4.99 a month
See if you get the FT for free as a student (http://ft.com/schoolsarefree) or start a £1 trial: https://subs.ft.com/spa3_trial?segmentId=3d4ba81b-96bb-cef0-9ece-29efd6ef2132.
? Check out our Community tab for more stories: https://www.youtube.com/@FinancialTimes/community
? Listen to our podcasts: https://www.ft.com/podcasts
? Follow us on Instagram: https://www.instagram.com/financialtimes
? Follow us on Instagram: https://www.tiktok.com/@financialtimes
Book me for a consultation copy link and paste on internet browser
https://calendly.com/jorgethecreditexpert/30min?month=2025-04
or text credit to 727-497-7148 I can set it up for you
In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.
?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.
???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.
I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.
???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.
???? Dealers are:
Packing loans with hidden fees and useless add-ons
Overpricing used cars way above value
Fudging income and employment to push approvals through
Exploiting first-time buyers with markups and bait-and-switch tactics
And then influencers blame the buyer for defaulting?! That’s not the whole truth.
???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car
???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.
???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.
???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.
???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.
#creditrepair #credit #automobile #auto #autoloans #luckylopez
According to DebtBusters, 95 percent of people who applied for debt counselling during the second quarter had personal loans. 54% of them are on one-month payday loans of more than 23% interest per annum. Interest rate cuts and two pots systems have been used by some to consolidate loans, as many battle to maintain households costs. Debtbusters Executive Head, Benay Sager elaborates.
Tune into Newzroom Afrika DStv channel 405 for more.
Dive into the differing perspectives as Graham Stephen discusses Dave Ramsey’s stance on debt consolidation!
Credit: @TheIcedCoffeeHour @CalebHammer
#StealthySavings #GrahamStephen #DaveRamsey #DebtConsolidation #FinancialDiscussion #MoneyTalks #PersonalFinance #FinanceGurus #WealthBuilding #DebtFreeJourney #FinancialFreedom #MoneyMindset #DebtManagement #InvestingTips #FinancialEducation #MoneyMatters #DebtFreeLife #DebtAdvice #FinancialAdvice #BudgetingTips #MoneyManagement #personalfinance #financialfreedom #debtfree #financialindependence #business #finance #wealthbuilding #budgeting #budgetlife #budgetyourway
Join the discussion on our Substack at https://www.worldaffairsincontext.com/, where we discuss geopolitics, economics, and the relationship between official narratives and reality worldwide.
LINKS:
? Substack: https://www.worldaffairsincontext.com
? Patreon: https://www.patreon.com/LenaPetrova
? X: https://x.com/LenaPetrovaOnX
? Telegram: https://t.me/LenaPetrovaOnTelegram
? Facebook: https://www.facebook.com/lenapetrovacpa
? Instagram: https://www.instagram.com/lenapetrova_world_affairs
SUPPORT THE CHANNEL:
? PayPal: https://www.paypal.com/ncp/payment/G2TKEPR6PUVNN
? Buy me a coffee: https://ko-fi.com/lenapetrova
? YouTube membership: https://www.youtube.com/channel/UCrbT82fJGrSRXkNaxE7aYPQ/join
? Please consider supporting the making of these videos by becoming a Patreon: https://www.patreon.com/LenaPetrova
???? Like, share, and subscribe to World Affairs In Context & turn on notifications to stay updated.
Japan could trigger the next U.S. debt crisis. ????????????
As Japanese investors pull money out of U.S. Treasuries and bring capital home, Treasury yields are surging, borrowing costs are exploding, and America’s debt bubble may be entering dangerous territory. Will rising interest rates, the Iran war, inflation, and collapsing bond demand spark the next financial crisis? Watch now to understand how Japan, Wall Street, and the global economy are colliding in 2026.
#treasurybonds #Japan #USDebt #EconomicCrisis #BondMarket #USDebtCrisis #BondMarketCrash #TreasuryBonds #JapanEconomy #EconomicCrisis #FinancialCrisis #USDebt #GlobalEconomy #InterestRates #Inflation #IranWar #FederalReserve #DollarCollapse #WallStreet #Recession2026 #DebtBubble #TreasuryYields #MacroEconomics #StockMarketCrash #Geopolitics
© 2026 World Affairs In Context with Lena Petrova. All Rights Reserved.
All content in this video is protected by copyright. Reproduction, distribution, or re-uploading, in whole or in part, without prior written consent, is prohibited.
Are Not-For-Profit Credit Counselling Agencies Now Just Debt Collectors? – Debt Free In 30 – A Personal Finance Podcast. A debt collector does just what the name suggests: they collect on unpaid debt. They won’t review all your debt relief options with you or give you a plan that makes debt repayment realistic and affordable. Their only goal is to recover as much debt for the creditor as possible. That’s how their business makes money.
You might be shocked to learn that not-for-profit credit counselling agencies are now operating the same way. In fact, they are formally registered with the Ontario government as debt collection agencies. Credit counselling agencies have changed. Most are no longer registered charities. Credit counselling agencies don’t do a lot of budgeting or actual counselling anymore either. Credit counselling organizations in Canada today are big, national call centers. Now when you call a credit counsellor, you’re sold a debt management plan (DMP), where you repay 100% of the debts you owe, but with a lowered interest rate. Credit counselling companies sell this regardless of whether that’s the right course of action for you because they are sponsored by financial institutions to do so.
We take a deep look at why not-for-profit credit counselling agencies have become nothing more than debt collectors. We also examine the implications for you as a debtor in need of help.
URL: https://www.hoyes.com/blog/are-not-for-profit-credit-counselling-agencies-now-just-debt-collectors/
SUPPORT us on PATREON: https://www.patreon.com/twocentspbsds
SUBSCRIBE to Two Cents! https://goo.gl/jQ857H
Some say that debt is the gateway to your goals, others say it’s a ball and chain that will drag you down… So who’s right?
Two Cents on FB: https://www.facebook.com/TwoCentsPBS
Two Cents on Twitter: @twocentspbs
Email us: twocentspbs@gmail.com
Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.
sources:
http://archive.boston.com/bostonglobe/ideas/articles/2011/08/21/which_came_first_money_or_debt/
https://www.debt.org/advice/good-vs-bad/#:~:text=What’s%20the%20difference%3F,for%20it%2C%20it’s%20bad%20debt.
https://www.richdad.com/how-to-start-a-business-without-money-part-1#at_pco=smlrebh-1.0&at_si=5edeae9a55751dc1&at_ab=per-2&at_pos=0&at_tot=4
https://thecollegeinvestor.com/4726/ultimate-hypocrite-robert-kiyosaki-companys-bankruptcy/
https://www.gpb.org/news/2011/07/24/the-evolution-of-debt-from-mesopotamia-to-america
https://www.aplu.org/projects-and-initiatives/college-costs-tuition-and-financial-aid/publicuvalues/employment-earnings.html#:~:text=On%20an%20annual%20basis%2C%20bachelor’s,is%20a%20high%20school%20diploma.&text=The%20earnings%20gap%20between%20college,less%20education%20continues%20to%20widen.&text=For%20high%20school%20graduates%20the,earnings%20are%20%2430%2C000%20a%20year.
Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson
Directors: Katie Graham & Andrew Matthews
Written by: Philip Olson, CFP® and Julia Lorenz-Olson
Executive Producer: Amanda Fox
Produced by: Katie Graham
Edited & Animated by: Andrew Matthews
Images by: Shutterstock
Music by: APM
How to Get What you Want in Divorce Mediation | Ask a Divorce Mediator // When couples decide to proceed with separation or divorce, they often feel unprepared and alone. In therapy, Parallel Wellness works with couples contemplating “Is my marriage over?”, “Should I get divorced?” and “Can i save my marriage?” In this video, we interview Paul Sweatman of Dignified Divorce Vancouver, a divorce mediator to gain insight into the mediation process, how to avoid mediation conflict, and his advice on divorce and separation. Before divorce, couples may seek couples counselling or even attend counselling for divorce and separation throughout their medication experience.
In this video, Paul covers his top divorce advice, divorce mediation tips and divorce tips for couples getting divorced, how to amicably divorce with kids, managing spousal and child support agreements, and his divorce legal advice. He also shares about supporting clients when they choose to stop divorce.
Paul Sweatman – Dignified Divorce Vancouver
www.dignifieddivorcevancouver.com
BLOG POST: Marriage as a Flight: https://www.parallelwellness.ca/marriage-divorce-mediator/
WATCH NEXT:
Stay Connected as a Couple | Gottman Seven Principles: https://youtu.be/fzEG8dUbUlg
Survive Quarantine with Your Partner: https://youtu.be/m30x7SiNbsM
Coping with Social Distancing During COVID-19: https://youtu.be/yQK-yfPQ5Ko
Gottman’s Four Horsemen of the Apocolypse: https://youtu.be/HO6kz6iyVg0
How to Make Relationships Work: https://youtu.be/ave0Kuhrxzo
SAY HELLO! ON SOCIAL MEDIA:
Twitter: https://twitter.com/parallelwellnes/
Instagram: http://instagram.com/parallelwellness/
Facebook: https://www.facebook.com/parallelwell…
#beparallelwell
CAMERA GEAR USED:
My camera – https://amzn.to/2VYCoi6
Microphone – https://amzn.to/2zwF0wt
SD card – https://amzn.to/2zml3Im
Tripod – https://amzn.to/2S5amjT
Studio lights – https://amzn.to/3eQuJLG
MUSIC: Mama’s Whisper by The 126ers
DISCLAIMER: Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide I may receive a small commission. There is no additional charge to you! Thank you for supporting Parallel Wellness so I can continue to provide you with free content each week!
The advice and opinions expressed in this video are not a substitute for therapy or medical treatment. The information contained in this video is intended to provide general information on matters of interest for the personal use of the viewer. While every effort has been made to ensure the information shared in this video has been obtained from reliable sources, we do not hold responsibility for any errors or omissions, or for the results obtained from the use of this information.
Any comments expressed are the opinions of individual viewers and do not necessarily reflect the view of Parallel Wellness or their associated partners.
We encourage seeking professional help if you would like support for specific concerns. If you or someone you know is in crisis and needs emergency support, please contact the local crisis centre in your area. For Canadian and BC residents, please refer to the following for crisis support:
Crisis Services Canada
24/7 Toll Free Phone: 1 833 456 4566
Texting: 45645
Kids Help Phone
Text Services: Text “CONNECT” to 686868 (also serving adults)
Chat Services: (6pm-2am ET): kidshelpphone.ca
Youthspace.ca (NEED2 Suicide Prevention, Education & Support)
Youth Text (6pm-12am PT): (778) 783-0177
Youth Chat (6pm-12am PT): www.youthspace.ca
British Columbia:
Vancouver Crisis Centre
Crisis Chat: crisiscentrechat.ca
Northern BC
Prince George Crisis Line
Youth Support: (250) 564-8336
Crisis Chat: www.northernyouthonline.ca
Vancouver Island:
Vancouver Island Crisis Line & Chat
Crisis Text: (250) 800-3806
Crisis Chat: www.vicrisis.ca
Clear your name from Debt Review status.
Contact us on WhatsApp today and we will give you a call back.
WhatsApp : +27 (60) 936-7560
You can also log on to our website www.thebigr.co.za for more information on what it is we do as a company and the services we provide. Follow us on our social media
Instagram : @TheBigR_TBR
Twitter : @TheBigRsolution
YouTube : The Big R Solutions
Facebook : Big R Solutions
The Big R Solution , Forging ahead financially.
