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Analysis: Silicon Valley Bank’s fall widens systemic cracks as cheap money vanishes

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NEW YORK: Cracks are appearing in the global financial system as the decade-long era of cheap money ends, with some investors worrying the shock collapse of Silicon Valley Bank signals world markets may be on the cusp of a reckoning.

Over the past year, the US Federal Reserve launched its most aggressive interest rate hiking cycle since the early 1980s and other central banks joined in, leaving global investors to face a gamut of consequences.
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They have seen the longest selloff in technology shares since the dotcom bubble at the turn of the millennium, a collapse in the cryptocurrency industry, a run on US and British real estate funds and an intervention by the Bank of England to prevent a near-collapse of British pension funds.

After the second largest bank failure in US history on Friday (Mar 10), market participants worry more disruptions lay ahead, as climbing interest rates cut off access to cheap money and expose vulnerabilities in the economy.

Big investors including Kyle Bass and Bill Ackman argue the government must take quick action to avoid Silicon Valley Bank’s collapse sparking more widespread withdrawals in the banking system.

So far, the pain has been largely felt by investors and institutions who placed risky bets. It remains to be seen whether the pain spreads to others and a new crisis emerges. That could be determined by how hard the world’s central banks continue to push interest rates higher.

“When you go this aggressively into a hiking manoeuvre after creating so much inflation you’re going to break something,” said Kyle Bass, founder and chief investment officer of Hayman Capital Management.

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What’s the Number 28 Reason You Can’t Find Love?

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People say relationships are all about give and take. You even hear about the need to compromise. I assume you compromise by giving in so you can get back later.

The number 28 reason you can’t find love is because you go into a relationship with your hand out and nothing in it. In other words, you are the taker. While taking, you offer as little as possible. In fact, you may tell the person they should just be lucky you are in their life. With that mindset, you believe there is no need for you to offer anything. Your presence alone is enough to make the relationship work.

What’s funny is many women will say that is how they feel in relationships. They say they give, give, give. They pour their heart and souls out into a man and get nothing in return.

Yet, the only reason the relationship exists is because the man made it happen. It was his commitment that made it happen.

On the other hand, many men will say they give, give, give. Men go out and receive hard earned money in exchange for their mental or physical labor. After receiving their money, women expect men invest that money into her. Since money is for investing, what is his return for his investment? In exchange, he gets something she received for free. In most cases, the man’s human needs go unnoticed. How is that possible? How can 2 people claim they are doing all the giving and receiving very little?

Is it possible both are getting back an exact reflection of what they give? Or do people have such fantasies about relationships that their expectations have nothing to do with a relationship? Or is it that they have no clue what they have to give in order to receive the fantasy expectations they have?

Appointments – Manage Your Time Better At Home to Be Effective

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What would happen to you if your home life was more organized than it is right now? Can work-life balance be achieved? What are the tools at our disposal? Could scheduling appointments and keeping them at home help us save time and prioritize?

What is the challenge we face? I sometimes find that time spent at home can be the busiest time, especially in the times we live in. Imagine someone working from home, home-schooling children, and sometimes even doing a side hustle. Imagine also the full-time home-based entrepreneur. How do they manage to do all they need to do in a day?. We are living in a time when many entrepreneurs and even company employees have adopted work- at – home culture. This comes with its challenges as the lines become blurred between home and work. These blurred lines and constraints on the limited resource called time result in over-worked, under-rested, burnt-out individuals. Whilst good time management has been encouraged and indeed, embraced in the workplace, I believe more needs to be done in changing the mindset for the elusive work-life balance to be achieved.

What are the tools at our disposal? To manage time effectively at home, there are many interventions one can employ including setting goals for the day, prioritizing wisely, setting a time limit for every task, organizing oneself, and instituting the discipline of appointments. Yes, an appointment at home! We can spend time pontificating on the pros and cons of each intervention, however, I believe we need to focus on appointments and see how this can powerfully change the course of one’s day regardless of whether it’s a workday or weekend. Life is busy as it is without any intrusions. The question is how do you handle the one who announces that they are at the gate. These can be friends, neighbors, a salesman of some product you do not even need. I am not promoting regimentation here but rather a culture of filling your day with what’s important. Everything that we succeed at is because we carefully plan and execute it. I am a firm believer that you cannot manage time if you do not manage yourself thus I implore you to incorporate planning and appointments into your repertoire. I am not talking about something I do not do. I have to achieve many things in a day therefore I set appointments with my work, others, and myself.

Could scheduling appointments and keeping them on the home front help us save time and prioritize? Whereas we have established that it is a normal business practice to set appointments and keep them, we need to abandon the liberal open-door policy of allowing all and sundry to have access to us as and when they please on the home front. Please understand where I am coming from. We each have greatness within us but for us to achieve it we need to culture great habits. Employing the use of appointments at home and seeing only those people you had agreed to see removes non-essential encounters especially during the most productive hours. I know this will vary with culture, geographical region, or even level of affluence, whether you live in a low density or high-density residential area, but doesn’t negate the need to be organized and effective. Controlling access determines how organized you are and how well you will work and rest when the time for scheduled rest comes.

What do we need to do differently? We need to be disciplined and diligent, learn to say no, now is not a good time, let’s make an appointment for next week. What are the benefits of this approach? You are not always fire-fighting to meet deadlines, You are not always tired because you have not taken time out to rest. You have set aside enough time to spend with your loved ones or a loved one. If you are a busy person, I am sure you appreciate what I am saying. Whether it’s time to work uninterrupted, family time, or “me-time”, it takes some kind of order to enjoy it.

I am not saying that those that come unannounced are bad people. No, not at all, they probably are people you enjoy spending time with. Nevertheless, there must be prior communication so that you can attend to your visitor(s) when it is convenient for both you and them. It can be quite disrupting and a whole day can just pass by without achieving anything that you had planned to do.

As we grow older we begin to appreciate that rest and recovery need to be scheduled. The fact that I am relaxing doesn’t mean that I don’t have anything to do. One therefore cannot assume that just because you are at home you are available. Maybe you have scheduled that time to rest. That is important. You need to make an appointment with yourself, spouses need to also set aside time for each other. Parents need to schedule a time to spend with their children. When you have some sort of order in your life you determine who sees you and who you see. It also means that your relationships will be healthy and that makes you a happier person.

In conclusion, I believe that the work-life balance can be achieved. There are many tools at our disposal just like it is in the workplace.I believe we could do more and be happier if we are disciplined enough to make only the commitments we can keep.I am certain that setting appointments and keeping them at home help us save time and prioritize.