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Top 8 Safest Banks To Keep Your Cash 2025​

Jul 27, 2025 #jenniferlammer #bondbeginners #bondmasters
What are the top 8 safest banks for your money in the US in 2025? Here's our personal list update for the year. Plus, Which other global banks make the list & what do the latest bank failures tell us?


15:39

SOURCES:

- https://www.fsb.org/2024/11/2024-list-of-global-systemically-important-banks-g-sibs/
- https://www.fdic.gov/resources/resolutions/bank-failures/in-brief/index
- https://ncua.gov/support-services/conservatorships-liquidations
 

Is It Time To Buy Molson Coors Stock? (TAP)​

Jul 28, 2025
Is it time to buy Molson Coors stock (TAP)? I look at Molson Coors fundamentals and compare them to other beer, wine, and liquor stocks. TAP stock looks to be a better value than stocks like BUD, DEO, STZ, BF.B with a Free Cash Flow Yield of 10.6% and Dividend Yield of 3.67%.
With Heineken earnings reporting lower beer volumes, it could be an opportunity to buy TAP stock cheaper while it is down in sympathy with it. TAP reports earnings August 5th. If you are considering buying TAP, you can buy it before earnings or wait to see if there is still some bad news in the earnings to get it cheaper.


8:15

Disclaimer: I am not a financial advisor, and nothing on this channel is meant to be financial advice. The ideas expressed on this channel are purely opinions and should not be regarded as objective information. Nothing on this channel is a recommendation to buy or sell securities. Do not assume that facts and numbers in any video are accurate. Always do your own due diligence.
 

The Fed's latest decision is leaving open a window of opportunity that many Americans may be ignoring​

  • The Fed kept rates steady this week as it waits for more clarity on inflation.
  • While markets are clamoring for cuts, there's an opportunity for consumers amid higher rates.
  • A study shows that US households might missing out on big savings.
The president may be hammering the Federal Reserve for not cutting rates, but there's an opportunity for consumers amid elevated borrowing costs — and it's one that many households might not be cashing in on.

More:

https://www.msn.com/en-us/money/per...-may-be-ignoring/ar-AA1JFsfo?ocid=socialshare
 

How to Stay on the Road to Wealth in 2025!​

Aug 3, 2025
It is not just bad money habits that keep you poor. There are other things that waste your time, health, and money. I list these things from the least damaging habits to the most damaging habits that keep you poor. If you can avoid the worst ones, you can become wealthy just by doing the right things and let those good financial habits compound over time.


12:06
 

Vanguard's New Rule Shocks Investors: Leave For Fidelity Or Schwab?​

Aug 20, 2025 #jenniferlammer #bondbeginners #bondmasters
Vanguard has made a lot of changes recently. Do they still want you as a customer or is it really time to leave Vanguard? Learn more about the minimum purchase quantity increase for bonds starting on 9/13.


18:05

SOURCES:

- https://investor.vanguard.com/content/dam/retail/publicsite/en/documents/taxes/USGO_012025.pdf
- https://investor.vanguard.com/investment-products/mutual-funds/profile/vusxx
- https://investor.vanguard.com/investment-products/mutual-funds/profile/vmfxx
- https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account
- https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/announcing-largest-fee-cut-vanguard-history.html
- https://www.schwab.com/money-market-funds
- https://investor.vanguard.com/client-benefits/brokerage-fees-commissions
- https://www.schwab.com/legal/schwab-pricing-guide-for-individual-investors
 
blog.moneyfarm.com

Our 10 essential summer podcasts | Moneyfarm

⏳ Reading Time: 2 minutesToday’s political, economic, and social landscape is especially complex. Keeping up with the constant stream of news can be tricky, especially in summer. That’s why we’ve put together a selection – by no means exhaustive – of podcasts, covering economics, finance, and...
blog.moneyfarm.com blog.moneyfarm.com
 
www.kiplinger.com

The Rules of 'Revenge Saving' to Take Control of Your Finances

From post-pandemic spending to rising prices, Americans are saving with new urgency. Here's how to channel that momentum into lasting change.
www.kiplinger.com www.kiplinger.com

Americans turning to "revenge saving" due to inflation and economic uncertainty​

Aug 21, 2025
Financial professional Mark Henry, the founder and CEO of Alloy Wealth management, explains why so many people are hopping on this trend.


6:16
 
 
Savers of cash will be.left behind same as the poor and indebted.

In reality most goods and services are less expensive in gold terms. Gold advocates are in a once of a lifetime moment. We are living in history and one day in the future they will look back at the event.

In five years or less we will be living in a different financial system.
 

Money-Market Funds & CDs: Americans Grow their Huge Piles of Interest-Earning Cash Further despite Lower Yields​

Despite the Fed’s rate cuts of 100 basis points in 2024, and therefore lower yields on money market funds, households continued to pile their cash into them. Banks have lowered the rates they pay on CDs, and holders of small CDs, always the hot money, have started to cash out. But balances of large CDs continue to grow. On net, their huge pile of interest-earning cash grew further.

Balances in money-market funds held by households rose by another $55 billion in Q2 from the prior quarter, and by $650 billion year-over-year, to a record $4.65 trillion, according to the Fed’s quarterly Z1 Financial Accounts yesterday. Since Q1 2022, when the Fed started hiking its policy rates, balances have surged by $2.02 trillion.

More:

 

Why This Government Shutdown Is Different (2025) | Your T-Bills, Social Security & Medicare​

Oct 1, 2025 Diamond NestEgg Podcast | Jennifer and Markus Lammer
The government just shut down. Why is it different this time and should you sell your Treasuries? Will I-Bonds, TIPS, Social Security & Medicare be impacted?


18:45

SOURCES:

- https://history.house.gov/Institution/Shutdown/Government-Shutdowns/
- https://home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics
- https://www.wsj.com/politics/policy/government-shutdown-2026-deadline-80170a2a?mod=hp_lead_pos2
- https://www.wsj.com/politics/policy/how-government-shutdowns-affect-the-economy-94446606?st=PdP3pL&reflink=article_gmail_share
- https://www.marketwatch.com/story/heres-what-a-government-shutdown-means-for-markets-and-your-wallet-e631bbe2?g=4897f774-b98f-4e0f-ab13-306298234f60&mod=djem_mwnbulletin
 

Can You Spot the Next Bubble Before It Pops?​

Oct 8, 2025 The Financial History Files
Every generation thinks it’s smarter than the last — right up until the bubble pops. From Tulip Mania and the South Sea Bubble to the dot-com crash, housing collapse, and the rise of crypto and NFTs, history keeps teaching the same financial lesson: greed always finds a new disguise.
This episode of The Financial Historian exposes how financial bubbles form, why they always repeat, and how to spot the warning signs before the next crash. You’ll see the same patterns of inflation, debt, speculation, and storytelling that have shaped centuries of economic history — and learn what it really takes to protect your financial freedom in a world addicted to hype.


8:05
 

Are Treasuries In Danger? | Protecting Your Money In "New" Safe Havens? (Debasement Trade)​

Oct 11, 2025 Diamond NestEgg Podcast | Jennifer and Markus Lammer
Are Treasuries still a safe haven? What about agencies and annuities for protecting against a market crash and/or higher rate investments ? And what might be some alternative safe haven investments?


23:17

SOURCES:

- https://www.cmegroup.com/openmarkets/economics/2025/Why-Bitcoins-Relationship-with-Equities-Has-Changed.html
- https://www.bloomberg.com/news/articles/2025-10-10/debasement-trade-what-is-it-why-are-investors-offloading-us-dollars
- https://www.wsj.com/finance/commodities-futures/a-new-wall-street-trade-is-powering-gold-and-hitting-currencies-62a61fdb?mod=djem10point
- https://finance.yahoo.com/
- https://home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics
- https://www.massmutual.com/
- https://www.marketwatch.com/
- https://www.wsj.com/economy/central-banking/gold-price-central-bank-28eac30f?st=XJn1P2&reflink=article_gmail_share
- https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/
 
Why Some Americans Don’t Invest in the Stock Market: While about half of Americans report owning stocks either personally or jointly with a household member, a substantial portion of the population remains without stock investments. Why don’t more people participate in the stock market? (Federal Reserve Bank of Philadelphia)
 
searcher said:
Why Some Americans Don’t Invest in the Stock Market: While about half of Americans report owning stocks either personally or jointly with a household member, a substantial portion of the population remains without stock investments. Why don’t more people participate in the stock market? (Federal Reserve Bank of Philadelphia)
Click to expand...
Interesting breakdown. I'll sum it up in a much-quicker essay:

TRUST HAS EVAPORATED.

We are moving from a high-trust society - where you could buy a widget, expect it to work as advertised, and if it does not, return it to the retailer, who we also trusted, to refund the money. Durable goods came with warranties, and had reputations of lasting long periods. It's why we were able to finance items such as cars or appliances.

That trust is evaporating. Seems everything in stores, these days - massive Big-Box outlets such as Bust Buy or Wally World - is made by organizations unknown in opaque, totalitarian China, retailed by Globalists who have taken over various established former product-manufacturers such as GE or Maytag. We don't know anything about how the product is built; we DO know that warranty settlements have become sketchy. We can't take action against the retail-store owner, which is always another Globalist corporation.

Take that into investment. Look at what happened this week: Two banks were burned over massive CRE loans and encumbrances, because of opaque operations, because of two key players in those retail scams, with alien-sounding names (we're not permitted anymore to identify aliens - something that would automatically raise suspicions; so we have to go with what clues we can glean). One of the banks burned was a descendant of Zion National Bank, one of the best-run retail banks in the nation for 150 years. They withstood the Bank Panics of the Depression; they did it with honest, well-managed asset portfolios; they have NO history of corrupt dealings. But through a California subsidiary, they were duped in that multiple claims had been promised first-priority in case of default.

NO one can be trusted, today.

Look at the Bubblicious stawk market today. What is a bubble? An engineered push-up on stawk prices, based on hype, false reporting of sales of equities, and all designed to confuse market-price signals.

IT IS THEFT. It's done either to keep a zombie company alive, or to enable the principals to sell their ownership into a bubbled market.

I've discussed before: I lost $30k, stawk value, in the Great Recession of 2008. That was about a tenth of my value back then. As a working bloke, I'd never have the chance to recover that money, off a railroad payroll.

How many of these rug-pulls do I need to experience? How many before I'm flat busted?

THAT is why I don't own any stawks or mutual-fund schemes.
 
searcher said:
Interesting read (imo.) Take it fwiw and dyodd.

Bitcoin: The Gold of Digital Fools | ZeroHedge

ZeroHedge - On a long enough timeline, the survival rate for everyone drops to zero
www.zerohedge.com www.zerohedge.com
Click to expand...
^^^

This needs to be shouted out:
Its mysterious creator, Satoshi Nakamoto—whose name could be loosely interpreted as “central origin”—sounds more like a cover for some Alphabet-branded intelligence operation than a benevolent digital Robin Hood.
Click to expand...

IMHO, the evidence is preponderant - bitcoin is a CIA project, directly or sponsored. Part of their mind-control and "nudging" campaigns.
 
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