BANK SPREADS

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