Video yükleniyor...

Video Yüklenemedi

Bu video yüklenirken bir sorun oluştu. Bu geçici bir ağ sorunundan kaynaklanıyor olabilir veya video kullanılamıyor olabilir.

Ana Sayfaya Dön

Governor Dr. Kamau Thugge explains how the new risk-based credit pricing model works. If you are a low-risk borrower, you may even see your loan priced at a rate lower than KESONIA – the new base rate.

Central Bank of Kenya

449,487 subscribers

33,637 görüntüleme • 10 ay önce •via X (Twitter)

Haberler & Politika Eğitim Finans

Anya Rossi• Live Now

Private livecam show

0 Yorum

Yorum bulunmuyor

Orijinal gönderinin yorumları burada görünecek

Benzer Videolar

The new loan pricing model: Dr Kamau Thugge: We realised that when we raise the Central Bank Rate (CBR), banks raise their prices very quickly. But when we lower the CBR, banks take time to lower their rates, which is not fair for borrowers and customers. #BusinessRedefined

The new loan pricing model: Dr Kamau Thugge: We realised that when we raise the Central Bank Rate (CBR), banks raise their prices very quickly. But when we lower the CBR, banks take time to lower their rates, which is not fair for borrowers and customers. #BusinessRedefined

NTV Kenya

29,998 görüntüleme • 7 ay önce

Enosys Loans Walkthrough: Go to on your browser or Wallet Browser. Connect your wallet Select the Borrow Tab Select your preferred collateral (FXRP or wFLR) Input the amount of collateral you want to deposit Input the amount of CDP you want to mint against that collateral Or, use one of the risk based presets Higher Loan to Value ratios carry a higher liquidation risk. Set the Interest Rate for your Loan. Lower rates carry higher redemption risk. You can also Delegate your Interest Rate Management to a Delegate such as Nortso, for a more hands off approach. Click Next to view a Summary of your new Trove. Nothing will be submitted to the Blockchain at this point. Here you will see a summary of the transaction you are about to submit. Note the creation fee, which is calculated from 7 days of interest at the current average rate. If this is your first time using Loans, you will need to approve spending limits for your collateral, and for wFLR as gas compensation. You may now Open your Position, which will send collateral from your wallet to the Loans contracts and return CDP Dollars to your wallet. You can now view and manage your position on the Dashboard. You are now free to stake your CDP in the Stability Pools using the Earn tab, provide CDP as liquidity on Enosys DEX V3, or use it in any other way you would like.

Enosys Loans Walkthrough: Go to on your browser or Wallet Browser. Connect your wallet Select the Borrow Tab Select your preferred collateral (FXRP or wFLR) Input the amount of collateral you want to deposit Input the amount of CDP you want to mint against that collateral Or, use one of the risk based presets Higher Loan to Value ratios carry a higher liquidation risk. Set the Interest Rate for your Loan. Lower rates carry higher redemption risk. You can also Delegate your Interest Rate Management to a Delegate such as Nortso, for a more hands off approach. Click Next to view a Summary of your new Trove. Nothing will be submitted to the Blockchain at this point. Here you will see a summary of the transaction you are about to submit. Note the creation fee, which is calculated from 7 days of interest at the current average rate. If this is your first time using Loans, you will need to approve spending limits for your collateral, and for wFLR as gas compensation. You may now Open your Position, which will send collateral from your wallet to the Loans contracts and return CDP Dollars to your wallet. You can now view and manage your position on the Dashboard. You are now free to stake your CDP in the Stability Pools using the Earn tab, provide CDP as liquidity on Enosys DEX V3, or use it in any other way you would like.

Ēnosys

28,992 görüntüleme • 7 ay önce

The Money Guys reveal $10,000,000 is officially F*CK YOU money “I think $10,000,000 is a good number because your money earns what is a great life, even if you took very little risk” “The beauty of the 10 million is because even if you used the risk-free rate of return of treasuries... I mean that's still $400,000 or $500,000”

The Money Guys reveal $10,000,000 is officially F*CK YOU money “I think $10,000,000 is a good number because your money earns what is a great life, even if you took very little risk” “The beauty of the 10 million is because even if you used the risk-free rate of return of treasuries... I mean that's still $400,000 or $500,000”

The Iced Coffee Hour

736,722 görüntüleme • 2 ay önce

“If you give us Majlis supermajority in the next 2 weeks, we’ll bring down USD rate to official rate (15.42 MVR) and even lower than that” - Economic Minister Mohamed Saeed Today USD rate is at 20 MVR.

“If you give us Majlis supermajority in the next 2 weeks, we’ll bring down USD rate to official rate (15.42 MVR) and even lower than that” - Economic Minister Mohamed Saeed Today USD rate is at 20 MVR.

Hassan Kurusee

33,262 görüntüleme • 1 yıl önce

Lp(a) is the new Voldemort of cardiology—a genetically determined risk factor that can raise your risk of heart disease by 200–300%. And while elevated Lp(a) is largely written into your DNA, there’s some surprisingly good news: You may be able to neutralize its risk by dropping visceral fat. Research suggests that a low waist-to-hip ratio (a proxy for low visceral fat) can significantly blunt—or even offset—the cardiovascular risk associated with high Lp(a). In other words: You might not be able to change your genes—but you can change how much they matter. If you want to go deeper, check out the letters linked below where I break down the research and exactly how to reduce visceral fat.

Lp(a) is the new Voldemort of cardiology—a genetically determined risk factor that can raise your risk of heart disease by 200–300%. And while elevated Lp(a) is largely written into your DNA, there’s some surprisingly good news: You may be able to neutralize its risk by dropping visceral fat. Research suggests that a low waist-to-hip ratio (a proxy for low visceral fat) can significantly blunt—or even offset—the cardiovascular risk associated with high Lp(a). In other words: You might not be able to change your genes—but you can change how much they matter. If you want to go deeper, check out the letters linked below where I break down the research and exactly how to reduce visceral fat.

Nick Norwitz MD PhD

13,550 görüntüleme • 3 ay önce

There's a common error that I see in some Excel models today that results in a property being undervalued. Since property values have fallen in many markets over the last few years, a new buyer's NOI will likely be higher than the existing owner's NOI because the new buyer's property taxes will be lower. If you were to estimate the value of your property based on a cap rate and the in-place NOI without adjusting the property taxes for the new buyer, then you're likely going to undervalue the property. There's a simple shortcut to estimate the new buyer's NOI based on a reset tax basis without creating a circular reference. Step 1: Add the Property Tax Expense back to the NOI Step 2: Add the Tax Rate to the Cap Rate Step 3: Divide the higher NOI by the higher cap rate This will equal the same result as using your original cap rate with the buyer's NOI inclusive of the reset property taxes. Note: Property tax calculations based for a new purchase will vary state to state. In California, the property taxes will be based on the new purchase price.

There's a common error that I see in some Excel models today that results in a property being undervalued. Since property values have fallen in many markets over the last few years, a new buyer's NOI will likely be higher than the existing owner's NOI because the new buyer's property taxes will be lower. If you were to estimate the value of your property based on a cap rate and the in-place NOI without adjusting the property taxes for the new buyer, then you're likely going to undervalue the property. There's a simple shortcut to estimate the new buyer's NOI based on a reset tax basis without creating a circular reference. Step 1: Add the Property Tax Expense back to the NOI Step 2: Add the Tax Rate to the Cap Rate Step 3: Divide the higher NOI by the higher cap rate This will equal the same result as using your original cap rate with the buyer's NOI inclusive of the reset property taxes. Note: Property tax calculations based for a new purchase will vary state to state. In California, the property taxes will be based on the new purchase price.

Brandon Roth | Capital Markets @ IPA

11,296 görüntüleme • 5 ay önce

THIS IS BADD: 🇺🇸 Markets just priced in a Fed rate hike by January. January 2026: rate cuts expected. Markets bullish. May 2026: rate hike probability above 50%. What changed: CPI: 3.8%. Highest in 3 years. Core CPI: 2.8%. Highest in 8 months. Trump picked Warsh to cut rates. Inflation picked a different path. Rate hikes are extremely bad for risk assets. Extremely bad. Everything is aligning. Just not in the direction most people expected. The market just told you what's coming. Are you positioned?

THIS IS BADD: 🇺🇸 Markets just priced in a Fed rate hike by January. January 2026: rate cuts expected. Markets bullish. May 2026: rate hike probability above 50%. What changed: CPI: 3.8%. Highest in 3 years. Core CPI: 2.8%. Highest in 8 months. Trump picked Warsh to cut rates. Inflation picked a different path. Rate hikes are extremely bad for risk assets. Extremely bad. Everything is aligning. Just not in the direction most people expected. The market just told you what's coming. Are you positioned?

Merlijn The Trader

111,449 görüntüleme • 2 ay önce

ICYMI: Turn your XRP into instant credit 💳 Keep your positions intact and spend against your crypto holdings in the real world. See how it works ↓ Now available in select U.S states. Powered by Exactly Protocol. See terms for rate, payment and other details. Crypto assets are volatile and high-risk.

ICYMI: Turn your XRP into instant credit 💳 Keep your positions intact and spend against your crypto holdings in the real world. See how it works ↓ Now available in select U.S states. Powered by Exactly Protocol. See terms for rate, payment and other details. Crypto assets are volatile and high-risk.

Uphold

17,245 görüntüleme • 2 ay önce

Dr. Patrick Soon-Shiong just revealed that 52 million Americans reportedly have low T cell counts. And he warns having low T cells can double your risk of early death. “52 million Americans have low T cells.” “If you have low T cells, they showed statistically that it's below 1500.” “If it’s below 1000, the risk of dying earlier is two times.” “This is profound.” “If your T cells are low … you have a risk of dying earlier.” “Whether you’re without disease or whether you have cancer.” Dr. Pat Soon-Shiong

Dr. Patrick Soon-Shiong just revealed that 52 million Americans reportedly have low T cell counts. And he warns having low T cells can double your risk of early death. “52 million Americans have low T cells.” “If you have low T cells, they showed statistically that it's below 1500.” “If it’s below 1000, the risk of dying earlier is two times.” “This is profound.” “If your T cells are low … you have a risk of dying earlier.” “Whether you’re without disease or whether you have cancer.” Dr. Pat Soon-Shiong

MAHA Action

151,153 görüntüleme • 2 ay önce

A new study is showing that the new class of weight loss drugs like Ozempic and Wegovy may help lower the risk of 10 different obesity-related cancers. Dr. Roshini Raj breaks down the findings.

A new study is showing that the new class of weight loss drugs like Ozempic and Wegovy may help lower the risk of 10 different obesity-related cancers. Dr. Roshini Raj breaks down the findings.

TODAY

17,700 görüntüleme • 2 yıl önce

Democrat Senator Chris Murphy: “Immigrants commit crimes in this country at a rate lower than natural born citizens. If you want a safe town or a safe neighborhood, you are better off if you have immigrants.”

Democrat Senator Chris Murphy: “Immigrants commit crimes in this country at a rate lower than natural born citizens. If you want a safe town or a safe neighborhood, you are better off if you have immigrants.”

TheBlaze

906,445 görüntüleme • 2 yıl önce

🚨NEW: Elon Musk on low birth rate: "If there are no babies, humanity will come to a halt. And we've seen now for many years, very low birth rates in almost all of the world. Even India recently went a lower replacement rate. If you look at China, for example, they are roughly at half replacement rate, I think maybe 60% or something like that. So that means, call it something like 600 million people will be lost in the end of this generation. Where are you going to get 600 million immigrants? That would require almost two Americas to move to China? That's impossible."

🚨NEW: Elon Musk on low birth rate: "If there are no babies, humanity will come to a halt. And we've seen now for many years, very low birth rates in almost all of the world. Even India recently went a lower replacement rate. If you look at China, for example, they are roughly at half replacement rate, I think maybe 60% or something like that. So that means, call it something like 600 million people will be lost in the end of this generation. Where are you going to get 600 million immigrants? That would require almost two Americas to move to China? That's impossible."

DogeDesigner

1,099,611 görüntüleme • 1 yıl önce

"For every 10% Bitcoin goes down, your rate goes up 20 basis points. So even if Bitcoin goes to zero, your rate only increases by 2%. And it works the other way too" CJ Konstantinos, founder of Peoples Reserve, on how the self-repaying mortgage rate moves with Bitcoin "So, even if Bitcoin went to zero, it's just like a regular mortgage at that point, because you have no Bitcoin working for you anymore. We don't believe Bitcoin goes to zero, but if it did, that would be the consequence" "For every 10% Bitcoin goes up, we reduce your rate by 0.2%, up to a 33% LTV, a 300% collateral ratio. If your loan is $500,000 and you post $1.5 million of Bitcoin, or your original $500,000 grows into $1.5 million, we reduce your rate by 400 basis points. So if you're basic with an 8% starting rate but you over-collateralize, you get a 4% rate" "We believe over time Bitcoin will do what it was engineered to do and accrue value. Intraday volatility doesn't matter, it's a 30-day window. At the end of every month before your payment is due, we take a snapshot. So if Bitcoin flash crashes and bounces back, no change to your rate, it has to be a consistent drawdown over 30 days, and we reamortize the loan based on the collateral ratio at that time"

"For every 10% Bitcoin goes down, your rate goes up 20 basis points. So even if Bitcoin goes to zero, your rate only increases by 2%. And it works the other way too" CJ Konstantinos, founder of Peoples Reserve, on how the self-repaying mortgage rate moves with Bitcoin "So, even if Bitcoin went to zero, it's just like a regular mortgage at that point, because you have no Bitcoin working for you anymore. We don't believe Bitcoin goes to zero, but if it did, that would be the consequence" "For every 10% Bitcoin goes up, we reduce your rate by 0.2%, up to a 33% LTV, a 300% collateral ratio. If your loan is $500,000 and you post $1.5 million of Bitcoin, or your original $500,000 grows into $1.5 million, we reduce your rate by 400 basis points. So if you're basic with an 8% starting rate but you over-collateralize, you get a 4% rate" "We believe over time Bitcoin will do what it was engineered to do and accrue value. Intraday volatility doesn't matter, it's a 30-day window. At the end of every month before your payment is due, we take a snapshot. So if Bitcoin flash crashes and bounces back, no change to your rate, it has to be a consistent drawdown over 30 days, and we reamortize the loan based on the collateral ratio at that time"

The Wolf Of All Streets

90,567 görüntüleme • 9 gün önce

BITCOIN IS THE HURDLE RATE - EXPLAINED! CAN YOU BEAT BITCOIN? In this video I dismantle the legacy idea of a risk-free rate and show why Bitcoin has already hijacked the global hurdle rate... ...and your portfolio might be the last to notice!

BITCOIN IS THE HURDLE RATE - EXPLAINED! CAN YOU BEAT BITCOIN? In this video I dismantle the legacy idea of a risk-free rate and show why Bitcoin has already hijacked the global hurdle rate... ...and your portfolio might be the last to notice!

Adam Livingston

23,815 görüntüleme • 1 yıl önce

.Rep. James Comer: "You do nothing about fraud even though everyone in America sees with their own eyes the fraud..." Governor Tim Walz: "Our Medicaid error rate is lower than your state." Comer: "You have been defrauding!"

.Rep. James Comer: "You do nothing about fraud even though everyone in America sees with their own eyes the fraud..." Governor Tim Walz: "Our Medicaid error rate is lower than your state." Comer: "You have been defrauding!"

CSPAN

34,705 görüntüleme • 4 ay önce

NEW PODCAST: Macro deep dive with ʎllǝuuop ʇuǝɹq on FX We unpack how central banks, rate differentials and positioning are driving FX now and what that means for trades and risk in the months ahead If you care about macro/FX strategy, this one’s worth a listen

NEW PODCAST: Macro deep dive with ʎllǝuuop ʇuǝɹq on FX We unpack how central banks, rate differentials and positioning are driving FX now and what that means for trades and risk in the months ahead If you care about macro/FX strategy, this one’s worth a listen

Capital Flows

71,144 görüntüleme • 7 ay önce

Most traders obsess over their win rate. Minervini doesn't. He explains why you can strike out seven out of ten times and still win -- as long as the math on risk-reward works in your favor over hundreds of trades. The holy grail isn't a setup. It's asymmetry.

Most traders obsess over their win rate. Minervini doesn't. He explains why you can strike out seven out of ten times and still win -- as long as the math on risk-reward works in your favor over hundreds of trades. The holy grail isn't a setup. It's asymmetry.

TraderLion

113,789 görüntüleme • 3 ay önce

DR. MALONE EXPLAINS, ‘THE GREATER THE EXPOSURE, THE GREATER THE RISK’ REGARDING STUDIES SHOWING A CONNECTION BETWEEN LIVING NEAR GOLF COURSES AND A HIGHER RISK OF PARKINSON’S DISEASE. Physician and Author of “PsyWar: Enforcing The New World Order” Robert W Malone, MD explains to Matt Gaetz, “with these environmental toxins, it would be a gradient. So, the longer, the greater your exposure, the greater the risk.”

DR. MALONE EXPLAINS, ‘THE GREATER THE EXPOSURE, THE GREATER THE RISK’ REGARDING STUDIES SHOWING A CONNECTION BETWEEN LIVING NEAR GOLF COURSES AND A HIGHER RISK OF PARKINSON’S DISEASE. Physician and Author of “PsyWar: Enforcing The New World Order” Robert W Malone, MD explains to Matt Gaetz, “with these environmental toxins, it would be a gradient. So, the longer, the greater your exposure, the greater the risk.”

One America News

145,451 görüntüleme • 1 yıl önce

"If it works, the world tomorrow looks different than it does today." 🌎 That's the driving mindset at DARPA. In our latest episode, Program Manager Mike Feasel explains how the agency tackles high-risk, high-reward research you can't do anywhere else.

"If it works, the world tomorrow looks different than it does today." 🌎 That's the driving mindset at DARPA. In our latest episode, Program Manager Mike Feasel explains how the agency tackles high-risk, high-reward research you can't do anywhere else.

DARPA

17,632 görüntüleme • 3 ay önce

NEW — Bill Gates: “Strangely, in a rich country where the disease isn't there all the time … you can be very lax and lower your vaccination rate and you won't immediately get many deaths.”

NEW — Bill Gates: “Strangely, in a rich country where the disease isn't there all the time … you can be very lax and lower your vaccination rate and you won't immediately get many deaths.”

Chief Nerd

112,729 görüntüleme • 6 ay önce