Negative Reserves. OR "Fearmongering" Here!

DriftingByTheStormDriftingByTheStorm Posts: 8,684
edited February 2008 in A Moving Train
So,
I don't even know what to say, but look at this chart:
Total Non-Borrowed Banking Reserves ... ahem ... LOOK AT IT. Look funny to you?

current reserves?

NEGATIVE!

First time in history...
???

Curious?


videos to WATCH... mandatory viewing ... US Banking Crisis - Part 1 ... 2 and 3 on the right side.

Essentialy anytime ANY one wants to withdraw any money, it will be coming fresh from the printing press ... or ... "borrowed" ... hence why "non borrowed reserves" are currently negative ... because anything coming out to satisfy depositors at this point is borrowed fresh from the money press ... which is inflationary.

Keep in mind that all "reserves" are a total sham anyhow since we have NO real money, only debt notes.
But even still, there is NOTHING currently available as "reserves" right now. Regardless of what "they" tell you, that is NOT good.

Seriously folks.

Seriously.
If I was to smile and I held out my hand
If I opened it now would you not understand?
Post edited by Unknown User on

Comments

  • This doesn't flip anyone out?

    Our banks are currently running well IN THE RED.

    Not just some banks.

    The ENTIRE SYSTEM.

    They have NO MONEY to give you.
    If you want to withdraw your funds, they are currently PRINTING FRESH MONEY to hand out.
    ???
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • OutOfBreathOutOfBreath Posts: 1,804
    Ever heard of the boy who cried wolf?

    Dont be too surprised if your thread isnt immediately overrun with concerned citizens. ;)

    Peace
    Dan
    "YOU [humans] NEED TO BELIEVE IN THINGS THAT AREN'T TRUE. HOW ELSE CAN THEY BECOME?" - Death

    "Every judgment teeters on the brink of error. To claim absolute knowledge is to become monstrous. Knowledge is an unending adventure at the edge of uncertainty." - Frank Herbert, Dune, 1965
  • Ever heard of the boy who cried wolf?

    Dont be too surprised if your thread isnt immediately overrun with concerned citizens. ;)

    Peace
    Dan

    how have i "cried wolf"?

    Because i've been saying that exactly what IS happening now would happen for the last 4-6 months?

    Hmm.

    Just because the market had a widdle wee rally this week, all of a sudden i'm a raving lunatic?

    You don't think the big money is going to try to keep their pretty little market a float?
    Duh.

    It doesn't mean the fundamentals don't suck asshole.
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • OutOfBreathOutOfBreath Posts: 1,804
    Just a tongue-in-cheek comment about your general posting themes and mood. I have no opinion on what you offered here specifically, just opined why perhaps your thread dont get the attention you think it should. :)

    Peace
    Dan
    "YOU [humans] NEED TO BELIEVE IN THINGS THAT AREN'T TRUE. HOW ELSE CAN THEY BECOME?" - Death

    "Every judgment teeters on the brink of error. To claim absolute knowledge is to become monstrous. Knowledge is an unending adventure at the edge of uncertainty." - Frank Herbert, Dune, 1965
  • Just a tongue-in-cheek comment about your general posting themes and mood. I have no opinion on what you offered here specifically, just opined why perhaps your thread dont get the attention you think it should. :)

    Peace
    Dan

    and what i've offered here is a graph showing you something UNPRECEDENTED in Fiat banking history.

    If we didn't have a Fed, and this was regular old banking,

    all the banks would be closing shop right now, with huge mobs trying to get money that isn't there out of the banks.

    THAT is what that graph indicates.

    Anything in their vaults at this point (collectively speaking) is borrowed!

    That is a fucked up concept to try and grasp,
    but fundamentaly speaking the entire banking system is insolvent.

    However thanks to the Feds ability to endlessly print "money", they are calling it a "quirk of accounting" ...

    hmm.
    Some quirk.
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • EbizzieEbizzie Posts: 240
    So where's the money?
    "Worse than traitors in arms are the men who pretend loyalty to the flag, feast and fatten on the misfortunes of the nation while patriotic blood is crimsoning the plains." -- Abraham Lincoln
  • Pacomc79Pacomc79 Posts: 9,404
    Ebizzie wrote:
    So where's the money?


    Yeah we just want the money Lebowski.
    My Girlfriend said to me..."How many guitars do you need?" and I replied...."How many pairs of shoes do you need?" She got really quiet.
  • Ebizzie wrote:
    So where's the money?

    Money = debt

    Debt = bad (all them bad loans?)

    Bad Debt = Written Off

    Money = all gone.

    Disappeared.

    "Accounting quirk".


    :rolleyes:
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • EbizzieEbizzie Posts: 240
    Money = debt

    Debt = bad (all them bad loans?)

    Bad Debt = Written Off

    Money = all gone.

    Disappeared.

    "Accounting quirk".


    :rolleyes:

    I don't buy that the subprime crisis has led to that much bad debt. So where's the money?
    "Worse than traitors in arms are the men who pretend loyalty to the flag, feast and fatten on the misfortunes of the nation while patriotic blood is crimsoning the plains." -- Abraham Lincoln
  • Ebizzie wrote:
    I don't buy that the subprime crisis has led to that much bad debt. So where's the money?

    Really, you don't?

    40 billion?

    That was what just ONE of the major banks was calling for in "total" (at the time) write-downs in December.

    The estimates being shot out by The Street Elite (did i just coin that? lol) for total industry write downs related to subprime\SIV\bad mortgages is roughly
    500 billion dollars ...

    and i, for one, am willing to place money that said number will come in as historical understatement of total industry losses.

    532billion was the private study estimate providing for the total tax payer (bail out, inflation, tax money spent) cost of the 1980's savings & loan fiasco ... and by all accounts (okay, most accounts) the current "fiasco" is much worse.

    Source for that $532 billion is
    "S&L Industry Rebuilds A bailout Reaches Final Phase", Veribanc News Release, Veribanc, Inc. (Wakefield, Mass) 1.12.94 pg2

    as reprinted Creature From Jekyll Island, Page 76, chapter "Home Sweet Loan" ... :D

    I would say, given historical precedent, that we could expect the total fallout from this crisis to be betweent .75 and 1 trillion dollars ... or $1000 billion.

    Seriously.

    So where has all the money gone?

    Again, all money is debt ...
    Much of the "reserves" being held by banks were nothing more than digits written down to reflect loans issued.
    "Hey, Joe Shmoe owes me $300,000 for his house, put it down on the books as reserves!"
    when debt gets written off, money gets wiped out.
    Its what happens when your entire economy is based off of fake digits in accounts and not real hard assets.

    Sucks, huh?
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • EbizzieEbizzie Posts: 240
    I forget where I heard it at, may have been the dave ramsey show, but TOTAL subprime loans, not just defaulted subprime loans, accounted for less than 10% of all mortgages. I just don't believe it's as big as you're making it out to be. The banks have extended a shit load of credit the last few years, no doubt, but only a small portion of that has been written off. Not to imply that half a trillion dollars is chump change, but in the grand scheme of things....
    "Worse than traitors in arms are the men who pretend loyalty to the flag, feast and fatten on the misfortunes of the nation while patriotic blood is crimsoning the plains." -- Abraham Lincoln
  • Money = debt

    Debt = bad (all them bad loans?)

    Bad Debt = Written Off

    Money = all gone.

    Disappeared.

    "Accounting quirk".


    :rolleyes:

    Money is not debt. Money pays debts. You're taking the wording on our currency incorrectly. "This note is legal tender FOR all debts public and private." And debt isn't necessarily bad. Your general understanding of economics is flawed, and worse you use it to try and scare people here.
    When Jesus said "Love your enemies" he probably didn't mean kill them...

    "Sometimes I think I'd be better off dead. No, wait, not me, you." -Deep Toughts, Jack Handy
  • SilverSeed wrote:
    Money is not debt. Money pays debts. You're taking the wording on our currency incorrectly. "This note is legal tender FOR all debts public and private." And debt isn't necessarily bad. Your general understanding of economics is flawed, and worse you use it to try and scare people here.

    Negative ghostrider.
    It is YOU who has a flawed understanding of economics, or at least of the Federal Reserve System and fiat FRN notes.

    Nice try though.

    All fiat currency is DEBT.
    It is backed by ... get ready for this ... not gold ... not silver... but US TREASURY BILLS ...

    translation ... a PROMISE TO PAY.

    Everytime a dollar is printed, there is an offsetting "dollar" of debt.

    All money is a LOAN.

    That is why the current US National Debt is 9 Trillion Dollars.
    Because there are roughly 9 trillion dollars in circulation. (that's the theory anyhow, hard to tell these days, missing M3 statistics as we are)
    Pay off the national debt, we have no money. :(

    I'm not going down this road again.
    Dig up 1 of 1000 of my threads on here and feel free to read up on it.

    Or conversely, pick up a good book on the subject of fiat currency and the federal reserve ... you'll quickly learn i am 100% spot on the "money".

    :rolleyes:

    here, this is one of my favorite page for FRN newbs ... Economic Rape of America
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • Negative ghostwriter.
    It is YOU who has a flawed understanding of economics, or at least of the Federal Reserve System and fiat FRN notes.

    Nice try though.

    All fiat currency is DEBT.
    It is backed by ... get ready for this ... not gold ... not silver... but US TREASURY BILLS ...

    translation ... a PROMISE TO PAY.

    Everytime a dollar is printed, there is an offsetting "dollar" of debt.

    All money is a LOAN.

    That is why the current US National Debt is 9 Trillion Dollars.
    Because there are roughly 9 trillion dollars in circulation. (that's the theory anyhow, hard to tell these days, missing M3 statistics as we are)
    Pay off the national debt, we have no money. :(

    I'm not going down this road again.
    Dig up 1 of 1000 of my threads on here and feel free to read up on it.

    Or conversely, pick up a good book on the subject of fiat currency and the federal reserve ... you'll quickly learn i am 100% spot on the "money".

    :rolleyes:

    here, this is one of my favorite page for FRN newbs ... Economic Rape of America

    An understanding of how money is printed and the logic behind it's value is not an understanding of how an economy works. Ours is not going to implode on itself as you make it seem.

    I think a degree in economics from a top ten university should suffice for my studies, but thanks...

    Edit: I do, however, love the Top Gun reference. Keep those up.
    When Jesus said "Love your enemies" he probably didn't mean kill them...

    "Sometimes I think I'd be better off dead. No, wait, not me, you." -Deep Toughts, Jack Handy
  • SilverSeed wrote:
    An understanding of how money is printed and the logic behind it's value is not an understanding of how an economy works. Ours is not going to implode on itself as you make it seem.

    I think a degree in economics from a top ten university should suffice for my studies, but thanks...

    Edit: I do, however, love the Top Gun reference. Keep those up.

    They must have skipped the semester on Fiat Currency then, huh?

    Like i said, i believe that your understanding of our currency is flawed, not all economics.

    You were the one that said "Your general understanding of economics is flawed" to me, i was just rebutting your argument.

    So, can you challenge my assertion that every dollar in circulation is NOT in fact a DEBT owed by someone else?

    How does a dollar come in to circulation?

    Because i guarantee that it can ONLY be issued when someone is willing to take on a DEBT for it.

    That is why we call it DEBT BASED CURRENCY.

    All dollars are really DEBT notes, because SOMEONE is on the hook for that dollars issuance.
    Hence they are not realy bills for payment of debt, so much as they are really little mini-IOU notes that we exchange eachother for.

    If banks actualy had to hand out GOLD to home loan borrowers to pay for their houses, don't you think the banks would have a been just a wee-bit more careful than the current situation where they know all they were extending is a digital credit in an account, and that if the shit hits the fan, they can just cry to Uncle Sam and say ... ooh ooh ... can you please "print" some more credits, because we need to delete these over here. So give us some more please, and just jot down another 40billion in "the books" ... the American public is good for the debt, we swear.

    Just out of curiousity,
    what do YOU think the implication of a negative NET reserve balance is across the board (entire banking system)?

    It has NEVER happened in Federal Reserve history!

    What makes you so sure everything is okay?

    Please expound.
    I am geniunely pleased to meet someone of wit on this board who has a degree in economics and can learn me somethin!

    :D
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
  • Ebizzie wrote:
    I forget where I heard it at, may have been the dave ramsey show, but TOTAL subprime loans, not just defaulted subprime loans, accounted for less than 10% of all mortgages. I just don't believe it's as big as you're making it out to be. The banks have extended a shit load of credit the last few years, no doubt, but only a small portion of that has been written off. Not to imply that half a trillion dollars is chump change, but in the grand scheme of things....

    Well in the grand scheme of bank reserves, apparently it IS a big deal. Because the graph clearly shows that they currently have NO reserves.

    This is the modern day equivelant of their vaults being empty.

    Except being that we don't use gold anymore, the vaults are just bank accounts with credits in them ... but the only ones there right now are being borrowed "at the window" (or through the Term Auction Facility, just the discount window with a pretty curtain on it) directly from the Federal Reserve ...

    ... and the Federal Reserve?

    It's just printing those dollars out of thin air ...

    ... which actualy isn't true ... it's coming out of YOUR pockets!

    So, when i hear that the banks don't have any money, so instead they are taking it FROM YOU AND ME ... then i start to get a bit peeved!

    :(
    If I was to smile and I held out my hand
    If I opened it now would you not understand?
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