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You are here: Home / Archives for bank reserves

428: How the Coming Credit Crunch Could Harm the Economy and Real Estate Prices

April 12, 2023 by David Stein · Updated May 17, 2023

How accelerating bank deposit withdrawals could harm the economy, including real estate prices. How dollars slosh around the financial system but always seem to end up at the Federal Reserve. Topics covered include: How many deposits have left banks since the Silicon Valley Bank collapse How much have banks borrowed from the Federal Reserve to meet deposit withdrawals Why exiting deposits are harming bank profits and causing them to make fewer loans How the credit crunch … [Read more...]

Filed Under: Podcast Tagged With: bank lending, bank reserves, bank runs, banks, credit crunch, credit cycle, Federal Reserve, money market funds, savings and loans crisis

270: Repo Rates Soared—Here’s Why It Matters

September 25, 2019 by David Stein · Updated April 12, 2023

How a liquidity crunch in the short-term lending markets sent interest rates soaring. Why this is a huge blunder on the part of the Federal Reserve, and what it means for us as individual investors. In this episode you’ll learn: What are repurchase agreements and how are they used to finance U.S Treasuries. How outflows from money market funds and hoarding by banks led to a liquidity crunch that caused repo rates to spike to 10%. Why banks are hoarding reserves held at the … [Read more...]

Filed Under: Podcast Tagged With: asset swap, bank regulations, bank reserves, banks, central banks, Federal Reserve, repo rate, repos, repurchase agreements, reverse repos

199: What Kind of Money Is It?

April 4, 2018 by David Stein · Updated May 27, 2021

How a bank panic led to the creation of the Federal Reserve, and why having diversified sources of money can protect us in case we have a bank panic today and can't get access to our bank deposits. Photo by Annette Fischer In this episode you’ll learn: How a bank panic and economic crisis in 1907 led to the creation of the U.S. Federal Reserve in 1913.How U.S. currency evolved after the establishment of the Federal Reserve.How currency, bank deposits, gold and Bitcoin … [Read more...]

Filed Under: Podcast Tagged With: bank reserves, Bitcoin, central bank digital currency, central banks, cryptocurrency, Federal Reserve, gold, money, money creation, panics

163 Plus: Federal Reserve, Pension Crisis and Is There Enough To Retire

July 1, 2017 by David Stein · Updated May 24, 2021

This week July 1, 2017 on Money For the Rest of Us Plus we learn how bank reserves at the U.S. Federal Reserve will be reduced as the central bank reduces its holdings of U.S Government bonds. We use the tools on Money For the Rest of Us Plus to analyze whether a member will have enough to retire. We explore the severity of pension fund crisis for U.S. states and municipalities as well as for U.S. businesses and the potential fallout from the crisis. Finally, we take a brief look at a … [Read more...]

Filed Under: Uncategorized Tagged With: bank reserves, defined benefit plans, Federal Reserve, member portfolio review, pensions, public pension plans, quantitative tightening

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