Finance

Navigating the Risky Terrain of the Fed’s Inflation Fight

Published

3 years ago

May 3, 2023

Harry Williams

As the global economy continues to recover from the impact of the pandemic, one key player is taking center stage in the fight against inflation – The Federal Reserve. With its mandate to maintain price stability and full employment, the Fed has been navigating a tricky terrain as it seeks to achieve its inflation target amidst changing economic conditions. In this blog post, we’ll explore what’s at stake for consumers and businesses alike as we examine both sides of this high-stakes equation. So buckle up and get ready to dive into the complex world of monetary policy!

The Fed’s inflation target

The Federal Reserve has a specific mandate to achieve “maximum employment, stable prices, and moderate long-term interest rates.” This is what guides the Fed’s decision-making when it comes to setting its inflation target.

For many years, the Fed aimed for an inflation rate of around 2%. The goal was to keep prices stable while also allowing for some economic growth. However, in recent years there has been concern that inflation has remained too low.

Low inflation might sound like a good thing on the surface – after all, who doesn’t want lower prices? But if prices remain consistently low over a long period of time it can lead to deflation. Deflation causes consumers and businesses to delay purchases because they know that goods will be cheaper in the future. This slowdown in spending can create a vicious cycle that leads to economic contraction and job loss.

To prevent this from happening, the Fed decided in August 2020 to switch from targeting an average rate of inflation (meaning they would allow periods where inflation is below their target) to targeting a fixed level of 2% average annual increases.

The problem with low inflation

Low inflation might sound like a good thing, but it actually poses several problems for the economy. When inflation is too low (or deflation occurs), consumers and businesses tend to put off purchases in anticipation of even lower prices in the future. This reduces demand for goods and services, leading to slower economic growth.

Low inflation also makes it harder for central banks like the Federal Reserve to stimulate the economy during times of recession. The Fed typically lowers interest rates to encourage borrowing and spending when the economy slows down, but if rates are already at historically low levels due to persistently low inflation, there may not be much room left to maneuver.

Moreover, low inflation can lead to wage stagnation as employers see less pressure to raise pay in response to rising prices. This can exacerbate income inequality and make it more difficult for workers at all income levels.

While very high inflation is clearly problematic, policymakers must strike a balance between keeping prices stable and avoiding excessively low levels of price growth that could harm economic activity over time.

What the Fed is doing about it

The Fed has implemented several measures to combat low inflation and achieve its target of 2% inflation rate. One of the key strategies is through monetary policy, which involves managing interest rates and adjusting the money supply in the economy.

To boost inflation, the Fed has lowered interest rates to near-zero levels. This encourages borrowing by businesses and consumers alike, leading to increased spending activity that can stimulate economic growth. The Fed also engages in quantitative easing, wherein it purchases government bonds from banks to inject more cash into circulation.

Another strategy employed by the Fed is forward guidance. This means that they communicate their intentions clearly regarding future monetary policy decisions, creating expectations among investors and potentially influencing market behavior.

The Fed has signaled a willingness to tolerate above-average inflation for some time until it reaches its target level. By allowing temporary overshooting of its goal, it hopes to encourage higher consumer spending and business investments that could lead to long-term economic growth.

These actions demonstrate a commitment on behalf of the Federal Reserve towards achieving its mandate of stable prices while promoting maximum employment levels within our economy.

The risks of the Fed’s actions

While the Federal Reserve’s efforts to boost inflation may seem like a necessary step to stimulate economic growth, there are also inherent risks associated with these actions. One of the biggest dangers is that they could potentially lead to higher interest rates and an increase in borrowing costs for consumers.

Another risk is that if inflation does begin to rise too quickly, it could create a situation where prices spiral out of control, leading to hyperinflation. This can be especially problematic for people on fixed incomes or those who live paycheck-to-paycheck as their purchasing power would decrease significantly.

Furthermore, by keeping interest rates artificially low for extended periods of time, the Fed risks inflating asset bubbles such as stocks and real estate. When these bubbles eventually burst (as they always do), it can cause widespread financial instability and lead to economic recessions or even depressions.

Some critics argue that the Fed’s policies unfairly benefit large corporations and wealthy investors at the expense of average Americans. By pumping trillions of dollars into financial markets through quantitative easing programs, many feel that the central bank has created an uneven playing field which skews towards Wall Street rather than Main Street.

In short, while there are certainly benefits to the Fed’s attempts at boosting inflation levels (such as increased spending and investment), there are also numerous risks involved which must be carefully considered before proceeding with any further monetary policy decisions.

Conclusion

Navigating the risky terrain of the Fed’s inflation fight is no easy task, and it will undoubtedly have consequences for consumers, businesses, and investors alike. While low inflation may seem like a good thing on the surface, it can actually be harmful to economic growth in the long run.

To combat this issue, the Federal Reserve has implemented policies designed to stimulate inflation and boost economic activity. However, these efforts are not without risk. Inflation can quickly spiral out of control if left unchecked, leading to a host of negative consequences such as rising interest rates and decreased consumer purchasing power.

As we move forward into an uncertain future with new economic challenges arising every day, it’s essential that consumers remain informed about the Fed’s actions and their potential impacts on our financial well-being. By staying up-to-date on macroeconomic trends and seeking advice from trusted financial experts when needed, we can all play a role in navigating this complex landscape together.

In conclusion (oops!), while there are risks involved in any effort to combat low inflation or stimulate economic growth, it is ultimately up to us as individuals to stay informed and make smart decisions about our finances moving forward. With careful planning and strategic investments guided by expert advice along the way – we can weather whatever storm comes our way!

Author

Harry Williams

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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

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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

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Finance

Full List of Coinbase Help Desk Number USA Numbers

Published

3 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Mila Parker

Introduction

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