SINGLE BANK

The internet makes banks obsolete. #TheValentineConstitution

#TheValentineConstitution provides Citizens with access to credit-capital pool and fair interest rates.

#TheValentineConstitution single public utility bank have no liability for passive investors.

All amounts will be “FDIC”-like insured. #TheValentineConstitution

#TheValentineConstitution gives Citizens access to programs now reserved only for bankers.

#TheValentineConstitution public utility bank gives Citizens equal power with banks and corporations.

Our Federal Reserve lets only banks use our financial power. #TheValentineConstitution lets Citizens use our financial power.

Today only banks get to use “the full faith and credit of the United States”. #TheValentineConstitution allows Citizens to use that power on a level capitalist playing field.

The argument supporting banks is that they underwrite big projects. But savings and collateral cover the risk portion of the loans, while the federal reserve supplies the funds. #TheValentineConstitution

The bank’s exposure is underwritten by the borrower’s collateral, our savings, our taxes and our Federal Reserve, but the bank gets the interest. Why? #TheValentineConstitution

Banks could not underwrite big projects without free money from the federal reserve which uses our taxes to back giveaways to banks. #TheValentineConstitution gives Citizens that clout and bypasses the banks.

#TheValentineConstitution single bank will share its power and advantages with American taxpayers who are the underwriters of last resort and make all financial institutions possible.

Stop banks from stealing “The Spreads”. Ratify #TheValentineConstitution

#TheValentineConstitution single bank lets Citizens keep the available funds spread.

Stop “The Spreads”, vote for a Single Bank. #TheValentineConstitution

Today banks hold money for several days or weeks to make interest off the money going from one account to another. In the era of high speed internet, there’s no reason for it. #TheValentineConstitution

There is no reason for banks to make customers wait for their funds to become “available”, except that we let them. #TheValentineConstitution

It is unethical for banks to hold up funds under the false pretense of availability, especially in the era of high speed trading. #TheValentineConstitution

#TheValentineConstitution single bank makes funds immediately available.

How do banks justify holding up funds for availability in the era of high speed trading? #TheValentineConstitution

#TheValentineConstitution single public utility bank allows Citizens to keep the savings vs loan rate spread the banks now cheat them out of.

Banks make their money off of two spreads: availability of funds, and savings vs loan rates. #TheValentineConstitution

Savers and borrowers will no longer be cheated by banks. #TheValentineConstitution

#TheValentineConstitution single public utility bank allows Citizens to keep the funds’ availability spread the banks now cheat them out of.

The borrower’s collateral and savings cover the risk portion of the loan, but the bank keeps the whole spread. #TheValentineConstitution

Why do middleman banks get the interest when our savings, our taxes and the borrower’s collateral make the loan happen? Because you let them. #TheValentineConstitution

There is no reason to allow banks to leverage savings 66 times! #TheValentineConstitution

How do loan shark banks justify giving savers only 2% when charging borrowers 5%, then leveraging that 33 times? #TheValentineConstitution

Every $1,000 you save at 2% allows the banks to loan out $33,000! at 5%. A 66:1 SPREAD. You need #TheValentineConstitution

#TheValentineConstitution prohibits “spread leveraging“, and instead  gives savers and borrowers a fair interest rate.

Why do banks get to use the full faith and credit of the USA and not Citizens? Because you let them. #TheValentineConstitution

Why does Wall Street get to use the full faith and credit of the USA and not Citizens? #TheValentineConstitution

2% for savings, 5% for loans, times 33! A 66:1 spread for our banks. UNFAIR.  Ratify #TheValentineConstitution

The single public utility bank account will replace all banks, and give Citizens their fair share of the leverage now exclusive to Wall Street kings and queens. #TheValentineConstitution

Banks are allowed to loan out $33,000 for every $1,000 they hold in savings! #TheValentineConstitution stops that.

Your $1,000 of savings allows your bank to loan out $33,000! #TheValentineConstitution

For every $1,000 you save, middleman bankers are allowed to loan out $33,000 at DOUBLE what they pay you for your savings. UNFAIR.  Ratify #TheValentineConstitution

Today banks are middlemen who loan out your savings to others for a hefty profit. #TheValentineConstitution

It’s the big bank CEO’s turn to be replaced  by technology. #TheValentineConstitution

Workers punching time cards and paying taxes and saving money and pensions and paying off mortgages and loans are the full faith and credit of the United States and will no longer be co-opted by the Wall Street profiteers.

4 banks now control over  80% of our banking business. That’s monopoly, not capitalism. #TheValentineConstitution does the final merger making a single public utility bank.

Since mergers have saved Wall Street banks much money, #TheValentineConstitution merges them all into a single public utility bank to save us all money.

#TheValentineConstitution merges all banks into one public utility allowing Citizens to make money off of the financial power their taxes bring to the banking party.

#TheValentineConstitution merges all banks into one public utility allowing Citizens to save time and money and get better rates.

A public utility banking system rewards saving and responsible financial behavior. Ratify #TheValentineConstitution

A public utility banking system will allow Citizens to use the full faith and credit of the United States to their advantage rather than giving it away to rich Wall Street CEOs. Ratify #TheValentineConstitution

#TheValentineConstitution eliminates all banking fees since banking service fees are covered by the 5% transaction tax, our only tax.

A public utility banking system puts Citizens in charge of their own affairs. Ratify #TheValentineConstitution

The single public utility bank let’s Citizens tap the source of America’s financial power. Today only banks can. Ratify #TheValentineConstitution

The single public utility bank cuts out the middleman and gives Citizens access to banking software. Ratify #TheValentineConstitution

#TheValentineConstitution single bank would exist online only and each Citizen would have only one card (at least until another method of verification is adopted).

The single public utility bank will replace all banks, and operate online only. #TheValentineConstitution

#TheValentineConstitution stops banks from cheating workers who pay taxes, save money and pensions, and pay off mortgages and loans.

We will no longer have Wall Street bankers gambling with our savings and our mortgages, causing economic collapses, requiring bail outs, creating massive job loss and a $40 trillion national debt. #TheValentineConstitution

#TheValentineConstitution establishes a single account for all of a Citizen’s financial affairs saving time, aggravation and money.

#TheValentineConstitution gives each Citizen a single account for all of their saving, borrowing, investing, credit and insurance affairs.

#TheValentineConstitution single public utility bank will have no fees of any kind other than the 5% transaction tax.

Fewer accounts allows better monitoring. Fewer accounts provide the least entry points for theft or cyber crime. #TheValentineConstitution

#TheValentineConstitution single account cannot be fraudulently duplicated since that person’s only account already exists.

Criminals could not even open a second account, since each Citizen only has one. #TheValentineConstitution

#TheValentineConstitution single bank will have no minimum balance requirements, no overdrafts, no checking and all amounts of savings will be “FDIC” insured. #TheValentineConstitution

#TheValentineConstitution single bank will have no cash, no ATMs, no overdraft fees, no minimum balance fees, no monthly fees, no checking accounts, no ACH or wire fees other than the 5% transaction tax.

#TheValentineConstitution single bank will have no PayPal or sales fees now paid for online transactions.

The internet will be one big buy/sell platform for all Citizens with no fees other than the 5% transaction tax. #TheValentineConstitution

Bankers are paid big money to input data and tell us the result! We can do that ourselves. Ratify #TheValentineConstitution

Each Citizen will have more privacy and less exposure to cyber crime with only one account than with many as they do now. #TheValentineConstitution

#TheValentineConstitution single account provides the least possible exposure of Citizens’ private information (since only one account) and the highest possible government security.

The single public utility bank account will replace all banks, and give Citizens their fair share of the leverage now exclusive to Wall Street kings and queens. #TheValentineConstitution

#TheValentineConstitution provides one account for each Citizen’s savings, checking, credit card, loans, mortgages and insurance.

#TheValentineConstitution provides online in-account apps, support, advice, and warnings on poor financial decisions.

#TheValentineConstitution single bank will not allow an overdraft to occur, and instead will send you an alert. No hassle, no fees.

The single public utility bank account will provide apps that will allow Citizens to do financial and other planning using click-to-analyze and click-to-learn programs to better understand their options. #TheValentineConstitution

The single public utility bank account will show the ratings of various help apps and list and rate available financial planners. #TheValentineConstitution

The single public utility bank account will contain all the tools bankers use today plus assistance and guidance tools. #TheValentineConstitution

The single bank account gives Citizens access to banking software and let’s Citizens enter the data instead of a bank employee, saving them fees and providing better interest rates for savings and borrowing. #TheValentineConstitution      

Bank fraud will be nearly impossible since the criminal can only have one account. #TheValentineConstitution

#TheValentineConstitution government will help Citizens with applications, forms and compliance, alert Citizens before things are due, and help Citizens meet their deadlines.

#TheValentineConstitution government aids Citizens with applications, forms, compliance, and alerts when due.

#TheValentineConstitution government will provide easy check-the-box versions of numerous legal documents, help title property clearly, etc..

#TheValentineConstitution government will provide dismissive or busy Citizens with the best possible versions of compliance documents based on ratings.

Numerous apps will allow Citizens to get things done quickly and efficiently, and to rate government services and contractors.

Access to each Citizen’s single account will be allowed only with the Citizen’s permission or a government warrant. #TheValentineConstitution

All Citizens must have wills, medical directives, medical and financial powers of attorney. #TheValentineConstitution

Numerous apps will allow Citizens to rate government services and contractors. #TheValentineConstitution

Citizens can keep all their medical, financial and government records safe in one place. #TheValentineConstitution

#TheValentineConstitution gives each Citizen a single account for all their government business, and includes the single public utility bank account.

There will be no penalty for seeing whether you qualify for a loan or not. Why should there be?  Ratify #TheValentineConstitution

Credit scores will be available for free, and CRAs, credit reporting agencies, will be abolished. #TheValentineConstitution

#TheValentineConstitution single public utility bank will not allow risky loans thereby avoiding the 2007 meltdown.

#TheValentineConstitution single public utility bank account will help Citizens restore bad credit.

Workers paying taxes, saving money and pensions and paying off mortgages and loans will no longer be cheated by banks and other companies. #TheValentineConstitution

We’re all borrowing and saving each other’s’ money. Why pay a banker? To steal the spread? #TheValentineConstitution

We’re all insuring each other. Why pay a middleman? To make rates higher? #TheValentineConstitution

All sorts of games and rip offs are going on using your savings, your pensions, your taxes and your assets. #TheValentineConstitution

How much of a loan you can get will be determined for you at the click of a button. Ratify #TheValentineConstitution

Insurers and banks are paid big money to input data and tell us the result! We will be able to do that ourselves, save the time and the fees, and get a better rate. Ratify #TheValentineConstitution

The actual work is done by programs. Bankers simply input the data and tell the borrower the result. You need #TheValentineConstitution

Savings and collateral cover the risk portion of the loan. Banks just get to use our federal reserve funds. Ratify #TheValentineConstitution

The single public utility bank account will allow unlimited loan inquiries which will receive an immediate response and carry no penalty.

The bank’s exposure is underwritten by our taxes and our savings, but the bank gets the interest. Why? #TheValentineConstitution

Bankers are paid big money to input data and tell us the result. We can do that ourselves. #TheValentineConstitution

Workers paying taxes, saving money and pensions and paying off mortgages and loans will no longer be cheated by banks and other companies. #TheValentineConstitution

All sorts of games and rip offs now going on using your savings, your pensions, your taxes and your assets will be stopped under #TheValentineConstitution

A public utility banking system allows Our Citizens to use the full faith and credit of the US to their advantage rather than giving it away to a few kings on Wall Street. #TheValentineConstitution

Today loans are backed by the borrower’s collateral, our savings and our taxes, but the bank keeps the spread. End that with #TheValentineConstitution

#TheValentineConstitution forbids Wall Street and banks to co-opt “the full faith and credit of the USA”, valuable credit created mostly by OUR taxes and savings.

#TheValentineConstitution establishes equal access to public credit and capital resource pools.

#TheValentineConstitution allows responsible Citizens to access “the full faith and credit of the USA”.

The taxes the world can count on Americans paying every year is the primary portion of the full faith and credit of the USA. Ratify #TheValentineConstitution

#TheValentineConstitution rewards responsible people and penalizes irresponsible ones.

#TheValentineConstitution will not allow insurance companies and reckless people to pass their costs onto responsible Citizens.

#TheValentineConstitution forbids building in unsafe areas, unless the builder wishes to pay for all the public costs of the likely disaster upfront.

Insurers now co-opt the valuable resource pools created by our collective insurance fees. #TheValentineConstitution

#TheValentineConstitution allows the insured to access and benefit from the valuable resource pools created by their collective insurance fees.

Today insurance companies take too much from good drivers to cover the cost of bad ones. #TheValentineConstitution

Insurers are paid big money to input data and tell us the result! We will be able to do that ourselves and get a better rate under #TheValentineConstitution

Insurance is just a pool of shared money. Anybody could manage that. #TheValentineConstitution

#TheValentineConstitution allows responsible Citizens to access valuable resource pools created by their collective insurance fees, now accessible only by insurance companies.

The actual work is done by programs. Insurers simply input the data and tell the borrower the result. #TheValentineConstitution

The requirement of an account exposes criminal transactions. #TheValentineConstitution

#TheValentineConstitution saves us all the costs of physical bank branches: land, buildings, parking, utilities, supplies, equipment and payroll.

#TheValentineConstitution single bank will have no cash, no ATMs, no overdraft fees, no minimum balance fees, no monthly fees, no checking accounts, no ACH or wire fees. no PayPal or sales type fees, just the 5% tax.

#TheValentineConstitution saves all the costs now passed on to the customers for obsolete physical bank branches: land, buildings, parking, utilities, supplies, equipment and payroll.

#TheValentineConstitution abolishes cash and saves customers all those ATM fees.

#TheValentineConstitution single bank charges no fees other than the 5% transaction tax, our only tax.

#TheValentineConstitution abolishes cash and saves customers all those inconvenient, dangerous trips to ATM machines.

#TheValentineConstitution abolishes cash, making it impossible for criminals to transact business.

No cash renders criminals and illegal aliens unable to buy or sell anything in America. #TheValentineConstitution

The elimination of cash will render criminals, racketeers and illegal aliens inoperative. #TheValentineConstitution

Workers punching time cards and paying taxes and saving money and pensions and paying off mortgages and loans are the full faith and credit of the United States and will no longer be co-opted by the Wall Street elites.

#TheValentineConstitution single bank will require any person or company buying or selling or trading anything of value to or from or in America to have an account and pay our 5% tax.

#TheValentineConstitution single bank will share its power and advantages with American taxpayers who are the underwriters of last resort who make all financial institutions possible.

#TheValentineConstitution single bank will handle its foreign operations much as they do now, but with transparency and no fees other than the single tax of 5% per transaction.

#TheValentineConstitution single bank will require any foreign company doing business with an American company to have an account subject to the transaction tax.

#TheValentineConstitution single bank will require any foreign company doing business with an American company anywhere in the world to have an account and pay the transaction tax.

A company not complying with the transactions tax will not have an account and be unable to do business in the USA, or with American companies, or with foreign companies who do business in the USA. #TheValentineConstitution