/biz/ - Business & Finance

lmao fuck savers fucking incel chuds

>>54692458
The best part about savers, even though they don't want to admit. They realize that by saving money they are harming the economy. And everyone already knows this. If for whatever reason you are some chud incel. Don't tell other people you save money unless you actually want to be apart of society.

>>54692483
so much this, savers are a blight on society. no wonder there's so much black inequality

>>54692446
kek lol dat me

everyone laughing about savers?

yup, deflation is coming

Yes, if you're a subhuman amerimutt and save in mutt dollars like OP.

>>54692446
A jew?

>>54692506
>>54692573
>>54692589
(((savers detected)))
don't you have a school to shoot up?

I like saving.

This pic is literally (YOU)

>>54692656
wow good job bigot. that money could be used for inner city schools

i can't wait for Biden to put in a wealth tax for greedy 1%ers like you

>>54692506
We get it. You dream about affording to purchase a charger out right just so you can drive it through a crowd of women

>>54692493
>black inequality
That's a funny way to spell Black inequity. Racist much chud?

>>54692656
Nothing like earning 0.5% on that money. And you probably think other people take you seriously...

>>54692656
>mutt dollars
What's your reasoning behind saving in them?

>>54692686
You're confusing delaying gratification with saving money. The latter is unproductive, not the former.

>>54692709
Source: bankrate.com
>B-but inflation
I'm earning more money in savings than I am in stocks right now.

>>54692686
>A better life is coming for me if I don't use my dollars

Two more weeks

>>54692446
>>54692483
>>54692705
>>54692709
>>54692758
Ok vatnick but your still not white

>>54692744
>>B-but inflation
That's the whole point, yet you imply it's insignificant. The 4% will soften the hit but it's still a loss.

>>54692446
this is me

>>54692709
3.8% and I like having a little safety net if shit hits the fan. Should hit 50k by 2024.

>>54692781
>you imply it's insignificant
Did I.

>>54692770
Savers save money their whole lives. Then they die, never having lived. Many such cases!

>>54692446
White men will never understand why their own media, government and businesses don't cater to them. Its not some grand conspiracy to depopulate your ilk. Its just that you're not profitable. Instead of you saving your money for internet chuck e cheese tokens and precious shiny rocks you could be spending that money on traveling, a fancy car that you can barely afford, a home(no staying in with your parents) and bunch of other crap to COONSOOM. Sinple as

>>54692446
I hate you.

>>54692836
No you don't hate me. You hate everyone else. But keep praying that putting money away is going to make you rich HAHAHAHAHA

>>54692848
post net worth

But OP, the biggest savers of all are corporations. They have huge cash to income balances

>>54692865
Uhhh no they d-don't...

>>54692835
I should also add that banks love minorities because they take in more debt. You can easily google this to satisfy your curiosity

>>54692812
Yes you did, retarded mutt.

>>54692848
Start an IRA as soon as you are able.
Max out 401K.
Max out HSA.
It's never too late to start.

CRBP pajeet you need a real hobby

>>54692870
https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/us-corporate-cash-ratios-fall-in-q3-73526141

Cash ratios at 18%, most people in the economy couldn’t even keep 10% cash after their paycheck if they tried

>>54692883
>Yes you did, retarded mutt.

>>54692908
>no argument
Fuck off and kill yourself, mutt.

>>54692446
What a thread.

>>54692909
Cash ratio is the ratio of cash to liabilities, not cash to income.

>>54692909
18% cash is literally higher than the banks even, banks have about only 10% of their reserves in cash right now. Your average corporation holds double the cash a bank does

>>54692446
>>54692458
t.

>>54692925
Completely different ratio. Cash ratio reflects a company's ability to service current debt. Not remotely similar to a bank's reserve ratio.

>>54692483
Best to save money by keeping it at home. By keeping it in a bank it still can theoretically be loaned out to joggers and scholars.

>>54692923
Debt to income ratio is around 90% for S&P. Seems pretty accurate to me.

>>54692944
Completely different how, reserves are the companies cash ability to pay against short term deposit liabilities

>>54692705
Crowd of fat women. Know the difference.

>>54692967
>Debt to income ratio is around 90% for S&P.
False, it is 60%. Also irrelevant since the topic is consumer cash savings.

>Completely different how
Reserves are physical vault cash.

>>54692446
Why, yes, I save money and I am also racist.

>>54692829
Wrong chump. I save so I can continue to live a good life. Let the unwashed masses destroy their communities and close their stores. I will continue to buy what I want and when I want it, while they seethe and go hungry. I love being white.

>>54692897
Is this the scholar shooter?

>>54692573
is this picrel ironic or am i just old as fuck and not understanding the new world meta. becase why the fuck would a grown human have that on their computer

Savers are not expecting to passively "grow" their wealth, they are content to take no risk for the 3-4% interest which does not offset inflation but admittedly does significantly reduce the blow. However, 90% of people are getting 0.01%-0.05% from their shitty brick and mortar banks because they don't know any better.

I don't save but I understand why some people do. I don't think they're idiots.

>some people are falling for this low effort bait
>>54692446
I say this and dont look like that

>>54693060
Don't care. Get on the floor and suck my cock, amerimutt.

>>54692916

>>54693060
>old as fuck
Ah nevermind, I hope you get cancer instead. :)

>>54693060
it's incel meta. no need to understand, you'll never see them outside. unless they're shooting innocent POCs

>>54693004
(Debt/equity)/ROE

you’re very wrong on reserves. FRED is king
https://fred.stlouisfed.org/series/TOTRESNS

>>54692573
>vile comment
>pedo anime gif
already know you're a loser from the gif, how skinny or fat are you?

>>54693128
>retarded amerimutt.
I don't understand retard.

>>54693094
>>54693109
Genuinely embarrassing.

>>54693125
>you’re very wrong on reserves
No, I'm not.

>>54693142
Okay. Thanks for the (You)s, mutt.

>>54693060
1. they're either very fat or very skinny
2. they grew up jerking off to Asian cartoons
3. those cartoons are made by pedos
4. they become pedos or trannies in adulthood

They basically got groomed.

>>54692446
I would!

>>54693144
Kek, just read from the fed itself retard.

Reserve balances are the amount of vault cash + balances maintained with a fed account. Most of that is Fed account balances actually, considering total physical vault cash makes up an incredibly small portion

https://www.stlouisfed.org/financial-crisis/data/reserve-balances-with-federal-reserve-banks

>>54693169
what happened there did his buddy tickle his butthole? Hitler was a faggot yow know.

>>54692723

Stay poor.

>>54693188
Topic was bank reserves, not reserve balances with the Fed. And your definition of the latter is incorrect.

>>54693060
whats bad about that?

>>54693199
Attempting to humiliate yourself with your posts? Then it's working.

>>54693155
I know you are but what am I?

>>54693227
Bank reserves are reserve balances from the fed. Read this one again, maybe slower this time

https://fred.stlouisfed.org/series/TOTRESNS

This is what is used to calculate LCR for Basel.

My definition of the latter is not incorrect, I think you’re just trolling with lame intentions and I don’t think you understand how cash reserves work

>>54693257
go watch more japanese cartoons and leave the discussion to the adults

>>54693228
Nothing, ignore it. It's fun baiting subhuman mutts however.
>>54693272
Nah, go fuck yourself mutt.

>>54693272
>leave the discussion to the adults

>>54693267
>Bank reserves are reserve balances from the fed.
False.

>My definition of the latter is not incorrect
Yes, it is. You claimed "Reserve balances are the amount of vault cash + balances maintained with a fed account." That is contradicted by your own sources.

>>54693293
Since you are apparently illiterate, let’s spell it out for the lurkers

>This series is a sum of total reserve balances maintained plus vault cash used to satisfy required reserves.

Huh, weird, directly from the fed itself, RESERVE REQUIREMENTS are CALCULATED using RESERVE BALANCES MAINTAINED

>>54693272
4chan is an anime imageboard first and foremost.

Why does 2dpd make amerimutts seethe?

GOOD MORNING I HATE NIGGERS AND GAY PEOPLE LIKE OP

>>54693309
Amerimutts aren't human.

>>54693067
By proxy, you're an idiot for associating youself with these people. You understand this right?

>>54692446
saving money in the current fiat and tax regime be like

>>54693303
>This series is a sum of total reserve balances maintained plus vault cash used to satisfy required reserves.
Yes, that series is called "Reserves of Depository Institutions: Total" - NOT "Reserve Balances". It is the SUM of Bank Reserves (vault cash) and Reserve Balances ("balances that an institution holds in a reserve account directly at a Federal Reserve Bank.")

Monetary Base; Reserve Balances: https://fred.stlouisfed.org/series/BOGMBBM
Private Depository Institutions; Vault Cash; Asset, Level: https://fred.stlouisfed.org/series/PDIVCA

So no, Reserve Balances do not include vault cash, as you falsely stated.

>WTF PEOPLE DON'T BUY CANDIES EVERYDAY AND FUNKOS LIKE ME?

>>54693280
>>54693291
>>54693307
Why don't you losers just move to Japan and be in your earthly heaven, then you can watch all the japanese cartoons you want. Just go away. Nobody like you.

>>54693333
Checked.

>>54693375
I hope she reads this bro (FAGGOT)

so many anime troons in this thread

EVERYONE DUCK! THEY'RE GONNA START SHOOTING

>>54693375
Sex with osaka.

>>54693350
When calculating for LCR they use vault cash. Which is the required reserves. Intentional retardation isn’t a good look anon.

My point stands, corporations keep more cash on hand then banks even many times.

>>54693402
>2016 tourist learns 4chan was always an anime site

This thread is full of actual demoralization shills Kek

>>54692446
>>54692458
saving in the current system is stupid, but it shouldn't be, you should not be forced to (((consoom))) or (((gamble))), that way it makes sure you stay poor and own nothing, defending such system makes yourself guilty