A lady named Yellen, who helps with money stuff in America, said that some companies lend people money but don't have a lot of protection. She is worried they might run out of money if too many people can't pay them back. Some smaller banks are also having trouble. But she thinks the big picture of money in America is okay. Read from source...

- The title of the article is misleading and sensationalist. It suggests that Yellen warns of an imminent threat to non-bank lenders, but she actually only mentions it as a possible scenario in stressful times. This creates fear and uncertainty among readers without providing any evidence or context.
- The article relies heavily on statistics from the New York Federal Reserve, but does not provide any sources or references for them. This makes it difficult to verify their accuracy and relevance. It also implies that the author is presenting an objective and factual analysis, when in reality they may be selectively choosing data points that support their narrative.
- The article mentions several examples of smaller banks that have collapsed or faced financial difficulties, but does not explain how these events are related to non-bank lenders or the broader financial system. This creates a false impression of causality and correlation, without demonstrating any logical connection or evidence.
- The article ends with a contrast between Yellen's warning on non-bank lenders and her assurance that the overall financial system is well-capitalized and sound. This implies that there is a contradiction or inconsistency in Yellen's statements, when in reality she may be acknowledging different aspects of the same issue. The article does not provide any context or explanation for why Yellen would make such seemingly conflicting remarks, nor does it explore how they might affect the credibility and reliability of her opinion.
- The overall tone of the article is negative and alarmist, focusing on the risks and challenges faced by non-bank lenders and ignoring any potential benefits or opportunities for them. This creates a biased and one-sided perspective that may not reflect the reality or diversity of the market. It also appeals to the emotions of readers, rather than engaging them with rational arguments or evidence.

Given the current market conditions, I would recommend diversifying your portfolio into different asset classes to hedge against potential losses. Some possible options are:
- Gold: As a store of value and a hedge against inflation, gold can provide stability in times of economic uncertainty. You can invest in physical gold or exchange-traded funds (ETFs) that track the price of gold.
- Bonds: Bonds can offer a steady income stream and lower volatility compared to stocks. Investing in high-quality bonds can help reduce interest rate risk and credit risk. You can choose from various types of bonds, such as government bonds, corporate bonds, or municipal bonds, depending on your risk tolerance and tax situation.
- Real estate: Real estate can provide both income and capital appreciation potential. You can invest in real estate directly by buying a property or indirectly through real estate investment trusts (REITs), which are companies that own and manage income-producing properties. REITs can offer higher dividend yields than bonds and stocks, but they also carry some risks, such as leverage and interest rate sensitivity.
- International equities: Investing in international markets can help you diversify your portfolio and benefit from global growth opportunities. However, investing internationally also comes with additional risks, such as currency fluctuations, political instability, and different regulatory environments. You should consider these factors when selecting international equities for your portfolio.