March 27, 2013

Deposit money - Sanctity no more

Cyprus is a financial petri dish of Europe.

It would be interesting to see what happens when banks open for business tomorrow, Thursday, March 28 in Cyprus.

In any event, the rescue package Cyprus made with its international lenders will change the way deals will be made in future sovereign debt resolutions. It should not come as a surprise that depositors were made to bear the debt burden of the country. The sanctity of deposit money has long been breached!

Let's look back here in the US. By artificially lowering the interest rate to zero since December 2008, the Federal Reserve Bank has basically been stealing money from depositors in favor of helping the big banks to recoup their losses. How else do you explain this prolonged depression of borrowing costs for big banks and corporations?

During the recession, it has been widely published that many elderly Americans have been dipping into their retirement funds to draw down debt. Many older Americans are already postponing retirement. It does not help that banks pay next to nothing for their savings accounts.

So where do you put your money?







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