Finance

How Lower Oil Prices Could Trigger a Recession in the United States

Published

3 years ago

May 2, 2023

Harry Williams

The price of oil has always been a crucial indicator for the global economy, and it’s no different for the United States. In recent years, oil prices have experienced significant fluctuations due to many factors such as OPEC decisions, political instability in oil-producing regions, and technological advancements. But what happens if the current trend of lower oil prices continues? Could this trigger a recession in the U.

S.? In this article, we will explore how lower oil prices could impact various sectors of the U.

S. economy and what measures can be taken to prevent an economic downturn. So fasten your seatbelts and let’s take a ride towards understanding the relationship between oil prices and recessions!

The Relationship Between Oil Prices and the U.
S. Economy

The connection between oil prices and the U.

S. economy is complex, but in general, lower oil prices tend to boost economic growth while higher oil prices can slow it down. The reason for this is that oil is one of the most important commodities used in manufacturing, transportation, and energy production.

When the price of crude oil falls, businesses across many industries benefit from lower input costs, which drives down their operating expenses. This leads to increased profits that can be reinvested into expanding operations or hiring more workers. Additionally, consumers also benefit from lower gas prices at the pump which frees up disposable income.

On the other hand, if there’s a sudden spike in oil prices due to supply chain disruptions or geopolitical tensions, it could lead to inflationary pressures throughout the economy as businesses pass on those rising costs onto consumers through higher product pricing.

In summary – when oil prices are low: companies save money on operational costs; consumers have more disposable income; and economic growth tends to increase. But when they’re high: inflation levels rise; business output slows down; and consumer spending decreases as people try to cut back on non-essential items like travel or dining out.

How a Recession Could Impact the U.
Advertisement

S. Oil Industry

A recession in the United States could have a significant impact on the oil industry. The demand for oil is heavily influenced by economic growth, and during recessions, there is typically a decrease in demand as businesses slow down their operations.

The decline in demand would lead to lower prices for oil, which would negatively affect U.

S. oil producers who rely on high prices to maintain profitability. This could result in job losses and decreased investment in the industry.

Moreover, with lower profits, some companies may not be able to continue operating or investing in new projects that are necessary for future production. This could potentially lead to a reduction in the overall supply of oil both domestically and internationally.

Additionally, during a recession people tend to cut back on their spending habits including travel which will also cause less consumption of fuel leading towards reduced revenues for gasoline stations resulting into lesser profit margins.

It’s clear that a recession would have far-reaching impacts on the U.

S. economy as well as its energy sector. As such, policymakers should take steps to prevent an economic downturn from occurring or minimize its impact if it does occur to ensure continued stability and growth within this critical area of our national infrastructure.

The Impact of a Recession on U.
S. consumers

The impact of a recession on U.

S. consumers can be significant. During an economic downturn, many people may experience job loss or reduced hours, leading to a decrease in income and disposable cash flow.

As a result, consumer spending often decreases during recessions as people prioritize essential expenses such as housing and food over discretionary purchases like travel or entertainment.

Furthermore, individuals with high levels of debt may struggle to make payments during tough economic times, leading to defaults and potentially damaging their credit scores.

The psychological toll of a recession on consumers should also not be underestimated. Financial stress can lead to anxiety and depression which can have long-term impacts on mental health.

It is important for policymakers to consider the potential impact of a recession on U.

S. consumers when making decisions about fiscal policy and financial regulation.

What the U.
S. Government Could Do to Prevent a Recession

One possible solution that the U.

S. government could explore to prevent a recession is implementing fiscal stimulus policies such as tax cuts, increased government spending on infrastructure projects and social programs, and providing subsidies to struggling industries.

Tax cuts can increase disposable income for consumers, which in turn can boost consumer spending. Increased government spending on infrastructure projects can create jobs and also drive economic growth through multiplier effects. Social programs such as unemployment benefits and food assistance can help support households during tough times.

Another option is for the Federal Reserve to implement monetary policy tools such as cutting interest rates or increasing its purchase of bonds to inject liquidity into the financial system.

In addition, trade policy negotiations with other countries could be conducted in order to address issues related to tariffs that may have contributed to global economic uncertainty.

However, it’s important for policymakers not only consider short-term measures but also long-term structural reforms that would ensure sustainable economic growth in the future.

Conclusion

The impact of lower oil prices on the U.

S. economy cannot be underestimated. While it may be beneficial for U.

S. consumers to have more money in their pockets due to lower gas prices, a recession triggered by falling oil prices could have far-reaching consequences.

The U.

S. oil industry would undoubtedly suffer from a recession, leading to job losses and decreased production levels. Consumers may also face higher unemployment rates and struggle with paying off debt if they lose their jobs or experience reduced income.

However, there are steps that can be taken to mitigate these risks. The United States government could pursue policies such as increased infrastructure spending or tax incentives for businesses in order to stimulate economic growth.

Ultimately, only time will tell whether the current low oil prices will lead to a recession in the United States. But one thing is clear: policymakers must remain vigilant and proactive in addressing any potential downturns before they become full-blown crises that threaten American prosperity and stability both at home and abroad.

Author

Harry Williams

View all posts

Business

RBI Gold Loan Guidelines 2025: What Borrowers Must Know

Published

3 days ago

November 21, 2025

ishasingh1699

Reviewed
By Elena Avery

Introduction

Gold Loans continue to be one of the most accessible credit options in India. With their quick processing and security-backed nature, they’ve helped millions manage short-term financial needs. In 2025, the Reserve Bank of India (RBI) introduced a revised set of Gold Loan guidelines to improve transparency, borrower protection, and uniformity in lending practices. These updates are particularly relevant for anyone considering a Gold Loan, whether for personal emergencies, minor business requirements, or planned expenses.

Understanding RBI’s Tiered LTV Policy

RBI now follows a tiered loan-to-value (LTV) ratio based on the total loan amount. The LTV ratio indicates the percentage of the gold’s value that can be sanctioned as a loan. As per the latest framework:

Loans up to ₹2.5 Lakh: Maximum LTV capped at 85%
Loans between ₹2.5–₹5 Lakh: Maximum LTV capped at 80%
Loans above ₹5 Lakh: LTV restricted to 75%

This change encourages responsible lending and ensures that smaller borrowers can access slightly higher loan amounts relative to the value of gold pledged.

Assessment of Borrower Creditworthiness

While smaller loans up to ₹2.5 Lakh may be offered without detailed credit appraisals, any loan amount exceeding this threshold requires a thorough credit assessment of the borrower’s repayment capacity. This step protects financial institutions and borrowers alike by aligning loan disbursements with the borrower’s ability to repay. Loan renewals or top-up loans can only be sanctioned following such credit assessments and must remain within permissible LTV limits. Bullet repayment loans may only be renewed after accrued interest has been paid.

Valuation and Purity Checks

RBI mandates a standardised process for assaying the gold pledged as collateral. The valuation of the pledged metal must be based solely on its intrinsic value without including stones, gems, or other embellishments. The price used to assess the value of the collateral should reflect its actual purity (caratage). This value must be based on the lower of either the average closing price over the past 30 days or the closing price from the previous day. These prices should be sourced from either the India Bullion and Jewellers Association Ltd. (IBJA) or a commodity exchange regulated by the Securities and Exchange Board of India (SEBI).

If prices for a specific purity are unavailable, valuation should be adjusted proportionately based on the nearest available purity. The assaying procedure and valuation methodology must be consistent across all branches of a lender, and borrowers must be present during assaying. Deductions related to non-metallic components, such as stones or lac, should be explained and documented in a certificate issued to the borrower. The lender is required to issue this certificate in duplicate, one for its records and one for the borrower’s acknowledgement.

Ownership Documentation and Anti-Money Laundering Measures

Lenders are required to ascertain that the ownership of the pledged collateral is not doubtful. Where ownership documents such as purchase bills are unavailable, lenders should obtain a declaration from the borrower affirming rightful ownership. Further, multiple or frequent loans granted to a single borrower aggregating beyond a certain threshold must be closely monitored under anti-money laundering (AML) regulations to prevent misuse or fraud.

Restrictions on Collateral Use and Loan Tenure

The RBI prohibits lending against primary gold, such as financial assets backed by gold ETFs or mutual funds. Collateral that has been pledged to a lender must not be repledged or used to secure loans from other institutions. Additionally, the tenure of consumption loans structured as bullet repayments is capped at 12 months, though renewals are permissible by appropriate regulations.

Collateral Limits for Ornaments and Coins

To mitigate risks linked to collateral management, the maximum aggregate weight of gold ornaments pledged by a borrower should not exceed 1 kilogram. Similarly, limits apply to coins: 50 grams for gold coins.

Settlement, Auction Procedures, and Borrower Protection

Upon full repayment or settlement, lenders must release the pledged collateral within seven working days immediate release on the same day is encouraged wherever possible. Before auctioning pledged items due to non-repayment, lenders are required to notify borrowers or legal heirs, allowing a reasonable time for settlement. Auctions must be conducted transparently with adequate public notice, including advertisements in a regional language newspaper and a national daily. The collateral’s reserve price at auction must not fall below 90% of its current value, except after two failed auctions, where it may be reduced to 85%.

In instances of collateral loss, damage, or discrepancies observed during audits or returns, lenders are mandated to compensate borrowers or their legal heirs promptly. Moreover, if collateral release is delayed due to the lender’s reasons, compensation at the rate of ₹5,000 per day of delay must be made.

Lender Obligations and Disclosure

Loan agreements must comprehensively describe collateral, auction procedures, borrower rights for settlement, timelines for releasing collateral, and applicable charges related to assaying or auctioning. Communication must be provided in the borrower’s regional or preferred language. Lenders must also maintain proper infrastructure and security protocols to store collateral safely and restrict handling to authorised personnel. Periodic internal audits, surprise verification of pledged items, and regular reporting to supervisory boards on unclaimed collateral are essential components of compliance.

Ensuring Borrowers Benefit from Competitive Gold Loan Rates

For borrowers, obtaining the lowest Gold Loan rate requires careful attention to lender policies, transparency in valuation, and adherence to prescribed limits. A practical approach includes using an interest calculator for a Gold Loan to estimate monthly repayments and total interest payable based on the loan amount, LTV ratio, and tenure. This tool helps borrowers compare offers across lenders and choose the most economical option while ensuring loan terms comply with RBI regulations.

Conclusion

The RBI’s updated gold loan guidelines for 2025 contribute to a regulated, transparent, and secure credit system for pledged gold collateral. By setting clear limits on LTV ratios, collateral valuation, borrower assessment, equitable auction processes, and borrower protection measures. The Reserve Bank promotes trust and stability in gold-backed lending. Borrowers are advised to understand these provisions fully and utilise tools such as the interest calculator for a Gold Loan to make prudent borrowing decisions. Adhering to the RBI’s framework will help borrowers secure the lowest Gold Loan rate while protecting their interests throughout the loan lifecycle.

Author

ishasingh1699

View all posts

Finance

FAQs List of Coinbase Support SERVICE (24/7 Talk)

Published

3 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Lucy Coll

Coinbase-Customer-Service-Support-by-Phone-1858-765-8486

Introduction

In the event that one encounters difficulties with their Coinbase account be it transactional anomalies, access impediments, or concerns regarding digital security it becomes imperative to ascertain the proper channels through which support may be expeditiously solicited. Coinbase affords users a multiplicity of remedial avenues, encompassing a continuous, 24-hour telephonic assistance service.

A recurrent query among users pertains to the operational mechanics of this support, the optimal junctures for engagement, and the anticipated procedural outcomes. This compendium of frequently asked questions endeavors to furnish lucid elucidations to the most prevalent inquiries surrounding Coinbase’s customer service apparatus. Regardless of whether one is a neophyte to the cryptographic domain or a seasoned practitioner, this guide is designed to facilitate the acquisition of assistance with both alacrity and security.

Frequently Asked Questions (FAQs) About Coinbase Support Service (24/7 Talk)

Q1. What Is Coinbase’s 24/7 Talk Support?

Coinbase’s 24/7 talk support allows users to call a support agent at any time, day or night. This means if you have trouble with your account, a payment, or need help with security, you can reach a live person who can guide you through the issue. This service is useful for urgent matters that cannot wait for email or chat replies.

Q2. How Do I Reach Coinbase Support by Phone?

To call Coinbase support, you usually go through the Help Center on the Cryptocurrency exchange

website. There, you may find an option to “Request a Call” if phone support is available for your account and region. Once you click that, Coinbase arranges a support agent to call you back. This method ensures you are reaching the real support team and not giving your number to a random person.

Q3. Is the Coinbase 24/7 Number the Same for Everyone?

No, it may not be the same for every user. The number or call-back method you get depends on:

Your geographic location
Your account type (regular user, Coinbase Pro, Coinbase One)
The type of issue you raise
Because of this, Cryptocurrency exchange often uses dynamic call‑back options rather than listing a single global number for all users.

Q4. Is There a Direct Public Phone Number Listed for Coinbase 24/7 Support?

Coinbase no longer widely publishes a fixed public phone number for all customer service calls. Instead, it prefers users to go through its Help Center to request a call. This helps reduce fraud risk and ensures users connect with genuine support agents. Be careful of unofficial numbers circulating online, as they may be scams.

Q5. How Do I Request a Support Call Back From Coinbase?

To request a call back:

Go to Coinbase Help Center while logged into your account.
Find the category that matches your problem (for example, account issues, security, transactions).
Click on “Contact Us” or “Get Help.”
Select “Request a Call” if available for your issue.
Provide your phone number and submit the request.

Coinbase support will then call you back, usually within a short time.

Q6. Do I Need to Pay for Coinbase 24/7 Support Calls?

No, Coinbase does not charge users for support calls. The call-back service is part of its customer support, and legitimate calls from Coinbase support agents are free. But you should always make sure you are calling or receiving calls from the correct source to avoid fraudulent calls that may try to scam you.

Q7. What Kind of Issues Can Be Handled Over a 24/7 Call?

You can get help for many different issues:

Account access or login problems
Identity verification or KYC issues
Payment or deposit problems
Withdrawal delays or errors
Security concerns, like 2FA or phishing
Transaction status checks
Any urgent or complicated issue that needs live assistance

Some very technical questions might be escalated, but a 24/7 agent can help guide you or pass the case on as needed.

Q8. Is 24/7 Support Available for All Coinbase Users?

Not necessarily. While Coinbase does offer 24/7 support in many places, it depends on:

Your country or region
Your user level (some features may be limited for free or new accounts)
The type of support plan you have (for example, Coinbase One or premium users may get faster service)

Always check in the Help Center to confirm whether 24/7 call-back is offered for your account.

Q9. How Can I Prepare Before the Support Call?

Preparing well can make the call faster and more effective. Here are some tips:

Write down your issue clearly (what happened, when, and how)
Have your Coinbase-registered email or phone ready
Note any transaction IDs, transaction dates, or screenshots if you can
Keep your device nearby in case you need to log in or share information
Never share your password, private keys, or one-time codes

Being ready helps you get a helpful response faster.

Q10. How Long Does It Usually Take for the Support Agent to Call Back?

The wait time for a callback can vary based on how many users are asking for help, where you are, and what kind of problem you have. In many cases, you may get a return call within minutes or up to a few hours. For urgent or high-severity cases, the response tends to be faster.

Q11. What Should I Do If the Agent Asks for My Password or Private Key?

You should never share sensitive data like your password, private keys, or wallet seed phrase. Real Coinbase support agents will never ask for this kind of personal or security information. If anyone asks for these details, it is a red flag for fraud. Politely end the call and report the number or incident to Coinbase directly via their official help portal.

Q12. Can I Use 24/7 Support for Fraud or Scam Reports?

Yes. If you believe you are being targeted by a scam or if your account has been compromised, contacting Coinbase support via the call-back option is one of the best steps to take. A support agent can help you secure your account, pause transactions, or escalate the matter to Coinbase’s security team.

Conclusion

Coinbase’s 24/7 talk support is a vital lifeline for users who need help with urgent account issues, security concerns, or transaction problems. By understanding how the call-back system works, preparing in advance, and recognizing genuine agents, you can get the help you need quickly and safely. Remember never to share passwords or private keys, and always use Coinbase’s official Help Center to start the support process. With the right approach, you can navigate issues with confidence and make full use of Coinbase’s round‑the‑clock service.

Author

coinbasetollfree

View all posts

Finance

Full List of Coinbase Help Desk Number USA Numbers

Published

3 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Mila Parker

Introduction

Reaching a live representative 𝟏-858-765-8486 at Coinbase wallet® can make all the difference.You can call 𝟏-858-765-8486 or 1-800-Coinbase Help Desk ® (US/OTA) to speak directly with an agent— available 24/7. Whether it’s booking issues, cancellations, refunds, or technical 𝟏-858-765-8486 problems, this guide walks you through every 𝟏-858-765-8486 contact method available so your concerns are handled quickly and easily.

Call to Speak with a Live Person 𝟏-858-765-8486

CALL Main Customer Service Number (US): 𝟏-858-765-8486 (Available 24/7) or 1- 800-Coinbase wallet ® (Live Person) to speak directly to our customer service team. After the automated prompts, just say “agent” or press “0” to reach a representative faster. Don’t feel like
calling? Use our live chat feature on the Coinbase wallet ® website under the Help section.

Coinbase wallet® Customer Service Number

Main Customer Service Number (US): 𝟏-858-765-8486 (Available 24/7) You can also
dial 1-800-Coinbase wallet, which redirects to the same support line.

Tips to Reach a Live Agent Faster:

Call the number above.
After the automated menu begins, say “agent” or press “0”𝟏-858-765-8486 repeatedly to
bypass prompts.
Have your booking reference or confirmation number ready if possible.

How to Speak to a Live Person at Coinbase wallet®

If you’re trying to reach Coinbase wallet® customer service,𝟏-858-765-8486 here’s a clear and efficient guide to get live help fast—whether for flight changes, refunds, cancellations, or technical issues.

Why Speak to a Live Agent?

Here are the most common reasons to talk to a real person at Coinbase wallet®:

1. Coinbase Wallet Modifications or Run

Need to change or cancel a flight? Speak directly to a representative at 𝟏❉858-765-8486 for help adjusting your itinerary or dealing with flight disruptions.

2. Booking Clarification

Need more info about your reservation? A live agent can walk 𝟏❉858-765-8486 you through the details and help with any confusing elements.

3. Refunds or Compensation

Complex refund or compensation requests are best handled by a real person—not an automated system. Contact support at 𝟏❉858-765-8486 for personal assistance.

4. Technical Issues

Payment failures, booking errors, or website glitches? The support team can troubleshoot and
resolve these quickly.

Coinbase wallet® Contact Methods

Coinbase wallet provides several ways to get in touch depending on your preference:

1. Phone Support: 𝟏-858-765-8486

Call this number to be connected to a live person. Follow the prompts and press “0” to 𝟏-858-765-8486 reach a representative faster. This number works for both U.S. and 𝟏-858-765-8486 OTA callers.

2. Live Chat Support

Visit the official Coinbase wallet® website, go to the Help section, and 𝟏-858-765-8486 select Live Chat. You’ll be connected to a live customer support representative for real-time help

3. Social Media Assistance

Reach out through platforms like:
• Facebook: facebook. /Coinbase wallet
• Twitter/X: ⌘Coinbase wallet This is ideal for general questions or non-urgent issues.

4. Coinbase wallet Mobile App

Download the app to manage bookings, start a live chat, or initiate a support call right from your smartphone. 𝟏-858-765-8486

5. Email Support

Use the contact form available on the Coinbase wallet website. Best for non-urgent queries where written documentation is helpful. 𝟏-858-765-8486

Reaching a live representative (+1-858-765-8486) at Coinbase ® can make all the difference. You can call (+1-858-765-8486) or 1-800-Coinbase® (US/OTA) to speak directly with an agent—available 24/7. Whether it’s booking issues, cancellations, refunds, or technical
(+1-858↳765↯8486) problems, this guide walks you through every (+1-858↳765↯8486) contact method available so your concerns are handled quickly and easily.

Call to Speak with a Live Person (+1-858-765-8486)

1. CALL Main Customer Service Number (US):

(+1-858-765-8486) (Available 24/7) or 1-800-Coinbase® (Live Person) to speak directly to our customer service team. After the automated prompts, just say “agent” or press “0” to reach a representative faster. Don’t feel like calling?
Use our live chat feature on the Coinbase® website under the Help section.

2. Coinbase ® Customer Service Number

Main Customer Service Number (US):

(+1-858↳765↯8486) (Available 24/7) You can also dial 1-800-Coinbase, which redirects to the same support line.

Tips to Reach a Live Agent Faster:

Call the number (+1-858-765-8486).
After the automated menu begins, say “agent” or press “0” repeatedly to bypass prompts.
Have your booking reference or confirmation number ready if needed.

How to Speak to a Live Person at Coinbase ®

If you’re trying to reach Coinbase ® customer service (+1-858-765-8486), here’s a clear and efficient guide to get live help fast—whether for flight changes, refunds, cancellations, or technical issues.

Why Speak to a Live Agent?

Here are the most common reasons to talk to a real person at Coinbase ®:

1. Flight Modifications or Cancellations

Need to change or cancel a flight? Speak directly to a representative at (+1-858-765-8486) for help adjusting your itinerary or dealing with flight disruptions.

2. Booking Clarification

Need more info about your reservation? A live agent can walk (+1-858-765-8486) you through the details and help with any confusing elements.

3. Refunds or Compensation

Complex refund or compensation requests are best handled by a real person—not an automated system. Contact support at (+1-858-765-8486) for personal assistance.