/biz/ - Business & Finance

>>16614226
Does the pope shit in the woods? Is the bear catholic? Did Whitney Huston love coke?
Yes, they will get bailed out again. Supposedly that shouldn't happen because many places have restructured their capital and in the EU there are dedicated funds specifically for the purpose of recapitalizing banks that won't get taken out of functional coffers... supposedly...in theory...
But should it come to that, yes banks will get bailed out.
They are devaluing your money anyway every single time they offer a sub-prime loan, they know statistically a substantial amount of those loans will never be paid back, they have calculated the exact amount of imaginary money they have created because it is not - like credit - simply bringing forward a future (speculative) cashflow, because they know for a substantial number of those loans the repayments will stop.

no, the reason why 2008 wasn't as bad as 1929 is that china went ass deep into debt.

there is no other china this time. nobody will save you this time

>>16614260
Nice hoping you’re right.

>>16614226
nah everything is fucked get some BTC and pic related

The bailouts never ended. The banks are still being bailed out to this very day.

>>16614260
where thy bugman go?

>>16614226
We're good. The government spent trillions throughout all of that, and is currently racking up massive deficits, yet there's been almost no effect on inflation. Also keep in mind that inflation is fine during a recession because recessions, such as 2008, are caused by deflation.

>>16614312
THIS, the question is when will the bailouts stop

>>16614328
they will be part of the crisis and wont be able to prevent a recession, bailouts + recession wont work.

>>16614312
this, plus credit conditions for regular folks are much tighter - no more triple lev ninja loans

>>16614312
This. All-in crypto.

So basically our inflation rate is 5% and in 10 years half our wealth will vanish. The Jews silently strike again.

>>16614445
R E T A R D

The inflation rate is closer to 2%, and you deserve to lose your money if it's not investing in something at least above the inflation rate.

>>16614226
Yes, of course.

>>16614312
Actually they did. The money that the US lent out to support failing banks not only saved those banks but was completely paid back, with interest.

>On December 19, 2014, the U.S. Treasury sold its remaining holdings of Ally Financial, essentially ending the program. TARP recovered funds totalling $441.7 billion from $426.4 billion invested, earning a $15.3 billion profit or an annualized rate of return of 0.6% and perhaps a loss when adjusted for inflation.

People confuse the bailout with QE, which was done (and continues to be) to prevent a recession.

>>16614449
I am invested and it is closer to 5 percent. Calling someone a retard yet not having the numbers straight.

>>16614457
>QE is not bailout
sure

>>16614466
Fake news.

https://www.bls.gov/cpi/
https://tradingeconomics.com/united-states/inflation-cpi
https://inflationdata.com/Inflation/Inflation_Rate/CurrentInflation.asp?reloaded=true

I bet you're unironically invested in crypto.

>>16614618
>ignore cost of living goy
>ignore gdp goy
Kys kike

>>16614351
well the banks have always been bailed out since 1971. once we moved off the gold standard the money printing started - its just now getting to the stupid part of the exponential curve.

>>16614414
>All-in crypto.
And how is this even a good idea if recession comes? Everything gets fucked even crypto.

it's threads like these that make me realise why i'm highly paid and most of you are losers living with mom

>>16614700
God damn, you're stupid. You don't even know what inflation is. Are you one of those geniuses who learnt all he knows about economics from a gold salesman?

>>16614785
You’re highly paid and come to an anime forum to discuss business. You are probably an overweight virgin that has to pay for sex.

USA has the world reserve currency

We can just print more money and EXPORT the inflation away to other countries

We've been doing this since 1970, our entire economy is a scam bubble.

Keynesian shills in this thread aren't even fucking human holy shit the ignorance

>>16614792
Dumb keynesian retard

i Think, the Banks are in big problems, there is this time noway to bailout, without changing the rule ...
I think XRP is coming ;)

>>16614945
>unironically shilling for jewish austerity economics
There's a reason our politicians and economists are constantly bitching about budgets and deficits. It's because they listen to the jewish deflationary bullshit theories. Like you!

>>16615070
>austerity
Get a load of this shit eating leftist.
Imagine supporting central banking and wanting us to wageslave for 70 years until we die instead of allowing our wages and savings to gain value

Kill yourself keynesian scum

>>16614256
>They are devaluing your money anyway every single time they offer a sub-prime loan
sorry braindead here.
Why?

>>16614260
>china went ass deep into debt
and this means...?

>>16615097
Oh shut up you stupid little nigger, you're the one who laps up everything Ezra "Buy my gold" Shekelsteinenkikeberg says. Inflation is a perfectly natural thing. It occurs when people outbid each other while trying to buy goods and services. It is not a result of printing money. Printing money is only inflationary when there aren't enough new goods and services to match the new money, because people end up using that money to out bid each other on those goods and services. This is why the government has been able to deficit spend trillions of dollars without any increase in inflation. This is why Japan has a massive debt-to-GDP ratio, yet struggles with DEFLATION.

If you want to see what this "never expand the money supply!" mindset that Austrians and goldniggers love gets you, look at Europe. Double digit unemployment. Crippling taxes. Entire countries stuck in constant bankruptcy. Your economics violates all empirical observation, as well as common sense. It relies entirely on repeating platitudes over and over again until they are considered true, and shaming people into not speaking against them because you push it as such a self-evident foundational part of economics.

Now go take your money and put it in the stock market. Now you don't have to worry about inflation, in fact, you'll make money.

>>16615180
SEETHING keynesian bootlicker upset over the fact that abolishing central banks will take power away from the speculator class and put it in the hands of actual production.

Your ponzi scheme won't last forever

>>16615180
> look at Europe
Extreme money printing and malinvestment created by their central banks?
Same with Japan too.
You're just proving my point.

>>16614449
Government reported inflation:
>medical care up 10%
>housing up 10%
>education up 10%
>TVs and cell phones down 5%
>inflation is right on our 2% target guys, pat yourselves on the back!
>repeat every year until Venezuela

>Banks get bailed out via qe and repo and no one gives a shit

Yet basedfags get pissed off for mentioning extinguishing student debt.

>>16615293
Not an argument.

>>16615299
Europe doesn't deficit spend, they can't. They can't just print money the way countries like the U.S. and Japan can because they're on that stupid Euro system which demands balanced budgets. You have no understanding of economics.

>>16615456
Inflation = CPI

If you disagree then that's fine, the inflation rate will still be 2% anyways.

>>16614806
>virgin
>pays for sex
Huh?

>>16615595
Imagine believing the CPI numbers LMFAO

i bet you think unemployment is 4% as well

Post your SPY put loss.

I will literally go out and buy a house and a car tomorrow if they bail me out and cancel all student loan debt. Pls happen.

>>16614785
ok but can you elaborate?

>>16615180
>If you want to see what this "never expand the money supply!" mindset that Austrians and goldniggers love gets you, look at Europe. Double digit unemployment. Crippling taxes. Entire countries stuck in constant bankruptcy
Am in Europe. You are a braindead Keynesian (((shill))). Our fucked up economy is the consequence of quasi central planning and an almost socialist welfare state.

>>16615558
No Jews will get richer by forgiving student debt

>>16615943
>that's right goy, it's FREE now. You have no excuse NOT to go get a state funded education!
>and don't forget even though the government subsidizes it now any contrarian political viewpoints are strictly prohibited on campus grounds, and black history is a required credit! You can be kicked from the university and lose all your credits if you question the holocaust goy so think carefully before you click on that video!

>>16615180
They don’t expand the money supply in Europe? Are you trolling?

>>16615978
>schizophrenic ramblings
Is there an argument in there somewhere?

>>16615997
Uh, I'm actually confused, are you legitamently retarded or something? Weird flex bro.

Like I can get not everyone speaks in meme's, but that was actually pretty straight forward. Did I use too big of a vocabulary or something? Government subsidized institutions often remain private despite being nearly fully subsidized, meaning they can get away with ignoring bipartisan public laws and implement their own procedures. Using this knowledge I was making fun of colleges that have 0 tolerance policies which are just loosely disguised bans on "wrongthink" like holocaust denial.

Is that clear enough little buddy? Do you need it broken down any more?

>>16616029
>more schizophrenic ramblings
Sweetie

>>16616209
>Sweetie
Cringe. You need to go back.

>>16616234
>Cringe
>You need to go back
Have sex

>>16614256
>They are devaluing your money anyway every single time they offer a sub-prime loan
sorry braindead here.
Why?

>>16616315
Oh uh fuck, d-dila..? No no, uhhhhhh... Oh Cope. Yeah, Cope more.
Checkmate Aethiest.

>>16615989
>They don’t expand the money supply in Europe?
what has the balance sheet to do with that?

>>16614449
Go back to Africa, CIA nigger. This is a Christian board. Whites only

>>16616209

>>16614449
Oy vey!!!

>>16614457
Oh wow, the bank CEO and all the manager made bank by playing a high risk/high reward game and then when they inevitably failed, they got bailed out and THEN decided to play it safe and pay back over time EVEN with interest! How great are banks! Its not like they have a fucking monopoly over banking.

This is literally the most bluepilled answer there is. I can play high risk as well if I'm gonna get bailed out and I'll even pay you back!

>>16614226
If 2008 ever happens again, there will probably be a socialist uprising.

>>16618479
I doubt it. Maybe the echo chamber is just too real, but it seems almost anyone with any sort of critical thinking skills who would thrive if traditional systems were on their way out is some form of libertarian still. Neo-liberalism as it currently looks to me seems to thrive off of a few very well crafted talking points by a few very intelligent individuals, and then has good cohesion to distribute those talking points amongst everyone. Compared to libertarians where I see actually unique and innovative solutions being produced, ala bitcoin. I'm not too politically motivated though and don't pay attention to current political think though, so I could be way off base. I just assume there will be someone well suited to fill that gap when the time comes.

>>16614457
lmao
>and perhaps a loss when adjusted for inflation
you just admitted its bullshit right then and there. the banks still made money off of it through the inflation that they were able to cause by getting the government to print a bunch of money

>>16618556
I think if we have a repeat of 2008, people like AOC and Sanders will certainly start gaining power.

>>16615125
I thought I already explained it in the post.
(1)
Most people think that the Fed devalue money by 'printing more' which increases the total amount of currency in circulation, thereby reducing the actual buying power of a dollar. Right?
Think of it like supply an demand, Hérmes may make only 10,000 Birkin bags a year. That creates artificial scarcity, so they can sell them at a premium. Same with printing money.
(2)
Most people think that the way a bank works is they accept deposits of cash from customers and then they use that same cash and loan it out to others, and give some of the interest to those customers who deposited cash?
Not quite.
Banks do take deposits from customers, but they will effectively loan out that same money (at least on paper) as many times. Remember, not only do they have the cash from deposits they also have the cashflow from Securitizeation.
In other words, if a bank had 1 billion dollars in deposits, they may have offered 5 billion dollars worth of loans.
When they Securtize a loan they basically lump a bunch of loans together in a package and sell the rights to the loan repayments and interest to other banks for a lump sum, which they can then use to offer more loans. The consortium that buys the rights to the loan may be made of 5 banks or institutions, so if a few loans default the risk is diffused. So it ends up being overall worthwhile to buy loans to maintain cashflow.
(3)
Obviously if you're a bank you want to offer as many loans as possible, so you can securtize them and have more cashflow. So banks go into very risky 'sub-prime mortgages' for example, these are mortgages where there is a lot of uncertainty whether the person will be able to repay the mortgage at all.
they are never getting the total sum of the loan back in many cases.

Ipso Facto - they create money out of thin air

>>16614226
http://esotericawakening.com/the-scam-and-how-it-works

>>16614920
Yeah but the real question is how long can that go on? At what point do these other countries realize we're never gonna pay the piper and the dollars they hold are worthless? Or is it just that other central banks in those countries run the printing presses hotter than the Fed that dollars are still a better hold than their shitty currency?

>>16615997
You will never pass.

>>16621334

I think it's obvious what will happen. Right now the biggest EU banks all have a "deposit guarantee" up to 100k €, meaning that if SHTF you will receive 100k € max. This is the reason most wealthy people have deposited 100k in every existing bank.

Now think how they will be able to still complete their promise while the banks are getting saved.

Exactly, hyperinflation + bailins above 100k + bailouts.

t. I work at a big bank

>>16615180
Are you fucking retarded?

>>16614226
https://www.investopedia.com/articles/markets-economy/090716/why-bank-bailins-will-be-new-bailouts.asp