[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"nav-categories":3,"article-how-a-subprime-banking-workaround-could-crush-your-retirement":70},{"data":4},[5,37,57,64],{"name":6,"slug":7,"categories":8},"Productivity","productivity",[9,13,17,21,25,29,33],{"id":10,"title":11,"slug":12},17,"Branding","branding",{"id":14,"title":15,"slug":16},19,"Marketing","marketing",{"id":18,"title":19,"slug":20},20,"Work","work",{"id":22,"title":23,"slug":24},34,"Community","community",{"id":26,"title":27,"slug":28},21,"For newbies","for-newbies",{"id":30,"title":31,"slug":32},24,"Investment","investment",{"id":34,"title":35,"slug":36},22,"Finance","finance",{"name":38,"slug":39,"categories":40},"Tech","tech",[41,45,49,53],{"id":42,"title":43,"slug":44},28,"Technology","technology",{"id":46,"title":47,"slug":48},32,"Artificial Intelligence","artificial-intelligence",{"id":50,"title":51,"slug":52},26,"Security and protection","security-and-protection",{"id":54,"title":55,"slug":56},31,"YouTube Blog","youtube-blog",{"name":58,"slug":59,"categories":60},"News","news",[61],{"id":62,"title":58,"slug":63},18,"quasanews",{"name":65,"slug":66,"categories":67},"Business","business",[68],{"id":69,"title":65,"slug":66},16,{"post":71,"published_news":97,"popular_news":163,"categories":233},{"title":72,"description":73,"meta_title":72,"meta_description":74,"meta_keywords":75,"text":76,"slug":77,"created_at":78,"publish_at":79,"formatted_created_at":80,"category_id":34,"links":81,"view_type":86,"video_url":87,"views":88,"likes":89,"lang":90,"comments_count":89,"category":91},"How a Subprime Banking Workaround Could Crush Your Retirement","The catastrophic housing crash of 2008 has become 16 years at the rearview mirror, but the threat of another fiscal catastrophe happened despite assurances to the contrary.","The catastrophic housing crash of 2008 has become 16 years at the rearview mirror...","","\u003Cp>Hello!\u003C/p>\n\n\u003Cp>The catastrophic housing crash of 2008 has become 16 years at the rearview mirror, but the threat of another fiscal catastrophe happened despite assurances to the contrary.\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/avx-10.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"183\" src=\"https://cdn.quasa.io/photos/foto-14/avx-10.jpeg\" width=\"275\" / alt=\"How a Subprime Banking Workaround Could Crush Your Retirement\" loading=\"lazy\">\u003C/picture>We have been advised that the housing bubble and collapse was about predatory lending and high risk debtors that have been duped into loans that they could not afford. Thus, we can suppose that the huge regulatory result of the subprime catastrophe meant that banks are not permitted to act badly, right?\u003C/p>\n\n\u003Cp>If it were that easy…\u003C/p>\n\n\u003Cp>I have previously written about the several warnings out there which state the present flourishing economy is on shaky ground and about several possible reasons for the following crash. Looming large among the latter is that the rising economic clout of pseudo-banks and their capacity to perform out the rules set up to help stop another home meltdown.\u003C/p>\n\n\u003Cp>In reality, the most significant source of mortgage financing in the USA is the very same non-banks — fiscal entities offering unsecured personal financing, business loans, leveraged lending and mortgage providers. As these companies aren’t required to maintain banking permits, they are not subject to conventional banking supervision and can openly participate in risky financing.\u003C/p>\n\n\u003Ch3>Do you know these “shadow banks,” and just how can they make the money to create such loans?\u003C/h3>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/avx-1.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"201\" src=\"https://cdn.quasa.io/photos/foto-14/avx-1.jpeg\" width=\"300\" / alt=\"How a Subprime Banking Workaround Could Crush Your Retirement\" loading=\"lazy\">\u003C/picture>Shadow banks incorporate all insecure investment goods and actions that flourish away from the range of regulation.\u003C/p>\n\n\u003Cp>Rather, they’ve morphed into new techniques to skate round the principles which themselves were meant to stop greed run amok from inducing another collapse.\u003C/p>\n\n\u003Cp>Nowadays, the list of players engaged with darkness banking surrounds all of pawn shops and loan sharks to elite artwork traders. They are not permitted to find cash from direct deposits, how conventional banks do, but that hasn’t stopped big banks out of dumping cash into them, in the kind of loans.\u003C/p>\n\n\u003Cp>By financing these”shadow” banks, the large financial players continue to be in the insecure loan enterprise. It was just this kind of beneath the radar, back-door financing that resulted in the slumping foreclosures, cratering dwelling worth, neglecting banks and dwindling retirement balances for a decade past.\u003C/p>\n\n\u003Ch3>And it gets worse …\u003C/h3>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/avx-3.webp\" type=\"image/webp\">\u003Cimg class=\"image-align-left\" height=\"190\" src=\"https://cdn.quasa.io/photos/foto-14/avx-3.jpg\" width=\"300\" / alt=\"How a Subprime Banking Workaround Could Crush Your Retirement\" loading=\"lazy\">\u003C/picture>An astonishing 6 from 10 mortgage lenders at the U.S. are currently shadow banks, according to the L.A. Times. Plus they function on line and peddle subprime loans. Shadow lending has become”bigger than the entire world market and poses a threat to financial stability,” Bloomberg News wrote.\u003C/p>\n\n\u003Cp>Surprisingly, a decade later subprime lending crashed the home and financial markets, the new ultraFICO rating will increase loan approvals to people who had been formerly considered subpar borrowers.\u003C/p>\n\n\u003Cp>Economists say . However, the fact that leading financial players are dumping billions to subprime loans through darkness banking is but one of the variables on the job. Stock market volatility, cooling sales and corporate debt which has tripled in the last eight years add to the case for upkeep.\u003C/p>\n\n\u003Cp>Using non-banks and key back channels involving their cash and also risky borrowers, large banks and obese cat traders jeopardize the entire market. As you don’t know if the greed and hubris of some will cause economic hardship and frustration for everybody — all over again.\u003C/p>\n\n\u003Cp>Thank you!\u003Cbr />\nSubscribe to our newsletter! Join us on social networks!\u003Cbr />\nSee you!\u003C/p>","how-a-subprime-banking-workaround-could-crush-your-retirement","2022-02-26T19:02:46.000000Z","2022-02-27T09:30:00.000000Z","27.02.2022",{"image":82,"image_webp":83,"thumb":84,"thumb_webp":85},"https://cdn.quasa.io/images/news/J4QvdMdsC2r9eYLiVces8wEubGl0LECW8TYBl4cK.jpg","https://cdn.quasa.io/images/news/J4QvdMdsC2r9eYLiVces8wEubGl0LECW8TYBl4cK.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/J4QvdMdsC2r9eYLiVces8wEubGl0LECW8TYBl4cK.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/J4QvdMdsC2r9eYLiVces8wEubGl0LECW8TYBl4cK.webp","large",null,1938,0,"en",{"id":34,"title":35,"slug":36,"meta_title":92,"meta_description":93,"meta_keywords":94,"deleted_at":87,"created_at":95,"updated_at":96,"lang":90},"Quasa Media's Growth Hacking Finance Blog","Trends in financial literacy. Savings and investment options.","Finance, invest, money, rich, financial plan","2021-10-27T19:57:04.000000Z","2024-08-25T15:36:23.000000Z",[98,113,124,137,150],{"title":99,"description":100,"slug":101,"created_at":102,"publish_at":102,"formatted_created_at":103,"category":104,"links":105,"view_type":110,"video_url":87,"views":111,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"Claude Design Looks Great — But It Devours Your Token Limits. Here’s How to Use It Smartly","Here's a well-structured, engaging English article based on the thread by Ryan Mather (@Flomerboy\n) from the Anthropic design team. It covers the fresh launch of Claude Design, its strengths, the main pain point (high token usage during initial setup), and the practical tips from the developers.","claude-design-looks-great-but-it-devours-your-token-limits-here-s-how-to-use-it-smartly","2026-04-20T19:33:38.000000Z","20.04.2026",{"title":47,"slug":48},{"image":106,"image_webp":107,"thumb":108,"thumb_webp":109},"https://cdn.quasa.io/images/news/MWAqWKyMuj9LRYzXpAOSU6ohIA3IRlA3RoiqdHw2.jpg","https://cdn.quasa.io/images/news/MWAqWKyMuj9LRYzXpAOSU6ohIA3IRlA3RoiqdHw2.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/MWAqWKyMuj9LRYzXpAOSU6ohIA3IRlA3RoiqdHw2.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/MWAqWKyMuj9LRYzXpAOSU6ohIA3IRlA3RoiqdHw2.webp","small",12,false,{"title":114,"description":115,"slug":116,"created_at":117,"publish_at":117,"formatted_created_at":103,"category":118,"links":119,"view_type":110,"video_url":87,"views":69,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"NVIDIA Lyra 2.0 Solves Spatial Forgetting and Temporal Drift in Generative Video","NVIDIA has unveiled Lyra 2.0, a new framework that generates persistent, explorable 3D worlds from a single image.","nvidia-lyra-2-0-solves-spatial-forgetting-and-temporal-drift-in-generative-video","2026-04-20T19:05:53.000000Z",{"title":47,"slug":48},{"image":120,"image_webp":121,"thumb":122,"thumb_webp":123},"https://cdn.quasa.io/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.jpg","https://cdn.quasa.io/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Za28inhjfgkp2cMS3eCUHAQ3UP8dJncCvITAKe0G.webp",{"title":125,"description":126,"slug":127,"created_at":128,"publish_at":129,"formatted_created_at":103,"category":130,"links":131,"view_type":110,"video_url":87,"views":136,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"GitHub’s AI Agent Tsunami: 275 Million Commits a Week, 14 Billion Projected for 2026 — And the Platform Is Starting to Crack","GitHub just hit numbers that would have sounded like science fiction twelve months ago.","github-s-ai-agent-tsunami-275-million-commits-a-week-14-billion-projected-for-2026-and-the-platform-is-starting-to-crack","2026-04-17T17:10:50.000000Z","2026-04-20T11:57:00.000000Z",{"title":58,"slug":63},{"image":132,"image_webp":133,"thumb":134,"thumb_webp":135},"https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/XZTYmDGdaBEeRqB4Fv56AeOVoRtMa9PgoABzA3uj.webp",56,{"title":138,"description":139,"slug":140,"created_at":141,"publish_at":142,"formatted_created_at":103,"category":143,"links":144,"view_type":110,"video_url":87,"views":149,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"Time’s Up for SaaS: Grow Faster or Disappear","The public markets have spoken — and the verdict is brutal. In early 2026, the software sector is in freefall. The Meritech Public SaaS Index has plunged 37% since the end of Q3 2025.","time-s-up-for-saas-grow-faster-or-disappear","2026-04-17T16:42:27.000000Z","2026-04-20T09:32:00.000000Z",{"title":31,"slug":32},{"image":145,"image_webp":146,"thumb":147,"thumb_webp":148},"https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Pgd6kFN0MEzRDCuMrQRslHnVu4QNjjMMfuhEgOWY.webp",68,{"title":151,"description":152,"slug":153,"created_at":154,"publish_at":155,"formatted_created_at":103,"category":156,"links":157,"view_type":110,"video_url":87,"views":162,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"Twitter Dev Builds “Stukach-Claw” — An AI Snitch Bot That’s Already Reported 4,250 People to the IRS for Tax Jokes","A crypto trader and developer known as @camolNFT has gone viral after revealing he built an autonomous AI agent called OpenClaw (affectionately dubbed Stukach-Claw by Russian-speaking users) that actively hunts for “jokes” about tax evasion on social media and automatically files whistleblower reports with the IRS.","twitter-dev-builds-stukach-claw-an-ai-snitch-bot-that-s-already-reported-4-250-people-to-the-irs-for-tax-jokes","2026-04-17T12:09:57.000000Z","2026-04-20T06:06:00.000000Z",{"title":19,"slug":20},{"image":158,"image_webp":159,"thumb":160,"thumb_webp":161},"https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Bknfo3h65dH5eqJ5coCdgVsAxMYJsDIOPyZplmaX.webp",85,[164,177,192,204,219],{"title":165,"description":166,"slug":167,"created_at":168,"publish_at":169,"formatted_created_at":170,"category":171,"links":172,"view_type":110,"video_url":87,"views":175,"likes":176,"lang":90,"comments_count":89,"is_pinned":112},"The Anatomy of an Entrepreneur","Entrepreneur is a French word that means an enterpriser. Enterprisers are people who undertake a business or enterprise with the chance of earning profits or suffering from loss.","the-anatomy-of-an-entrepreneur","2021-08-04T15:18:21.000000Z","2025-12-14T06:09:00.000000Z","14.12.2025",{"title":65,"slug":66},{"image":173,"image_webp":87,"thumb":174,"thumb_webp":174},"https://cdn.quasa.io/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp",70963,2,{"title":178,"description":179,"slug":180,"created_at":181,"publish_at":182,"formatted_created_at":183,"category":184,"links":185,"view_type":86,"video_url":87,"views":190,"likes":191,"lang":90,"comments_count":89,"is_pinned":112},"Advertising on QUASA","QUASA MEDIA is read by more than 400 thousand people a month. We offer to place your article, add a link or order the writing of an article for publication.","advertising-on-quasa","2022-07-06T07:33:02.000000Z","2025-12-15T17:33:02.000000Z","15.12.2025",{"title":58,"slug":63},{"image":186,"image_webp":187,"thumb":188,"thumb_webp":189},"https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp",70730,4,{"title":193,"description":194,"slug":195,"created_at":196,"publish_at":197,"formatted_created_at":198,"category":199,"links":200,"view_type":110,"video_url":87,"views":203,"likes":191,"lang":90,"comments_count":89,"is_pinned":112},"What is a Startup?","A startup is not a new company, not a tech company, nor a new tech company. You can be a new tech company, if your goal is not to grow high and fast; then, you are not a startup. ","what-is-a-startup","2021-08-04T12:05:17.000000Z","2025-12-17T13:02:00.000000Z","17.12.2025",{"title":65,"slug":66},{"image":201,"image_webp":87,"thumb":202,"thumb_webp":202},"https://cdn.quasa.io/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp",68358,{"title":205,"description":206,"slug":207,"created_at":208,"publish_at":209,"formatted_created_at":210,"category":211,"links":212,"view_type":110,"video_url":87,"views":217,"likes":176,"lang":90,"comments_count":218,"is_pinned":112},"Top 5 Tips to Make More Money as a Content Creator","Content creators are one of the most desired job titles right now. Who wouldn’t want to earn a living online?","top-5-tips-to-make-more-money-as-a-content-creator","2022-01-17T17:31:51.000000Z","2026-01-17T11:30:00.000000Z","17.01.2026",{"title":19,"slug":20},{"image":213,"image_webp":214,"thumb":215,"thumb_webp":216},"https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp",42325,1,{"title":220,"description":221,"slug":222,"created_at":223,"publish_at":224,"formatted_created_at":225,"category":226,"links":227,"view_type":86,"video_url":87,"views":232,"likes":176,"lang":90,"comments_count":89,"is_pinned":112},"8 Logo Design Tips for Small Businesses","Your logo tells the story of your business and the values you stand for.","8-logo-design-tips-for-small-businesses","2021-12-04T21:59:52.000000Z","2025-05-05T03:30:00.000000Z","05.05.2025",{"title":15,"slug":16},{"image":228,"image_webp":229,"thumb":230,"thumb_webp":231},"https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp",41416,[234,235,236,237,238,239,240,241,242,243,244,245,246],{"title":23,"slug":24},{"title":47,"slug":48},{"title":55,"slug":56},{"title":43,"slug":44},{"title":51,"slug":52},{"title":31,"slug":32},{"title":35,"slug":36},{"title":27,"slug":28},{"title":19,"slug":20},{"title":15,"slug":16},{"title":58,"slug":63},{"title":11,"slug":12},{"title":65,"slug":66}]