Governments all over the world are now "credit bankrupt"! The retirement age in the United States has been rising all the time. Before, you could receive a full pension at the age of 62, but later it became 65, 68, and now you can only receive a full pension at the age of 70! What's this? "Fraud"! Keep raising interest rates, I would like to ask: Will inflation come down? Not only did inflation not come down, but inflation continued to rise! Tell everyone how the United States will play next? Do you know why the banks that is currently bankruptcy a lot? Because they have too many "low-rate bonds," what does that mean? There is a bigger hole in the future financial of America!
I must say: This "financial bomb" is already brewing in the Trump era! How do they play it? Trump is the "low interest rate era"! Everyone is desperately borrowing money! Everyone is desperately borrowing money to buy the houses, so the house price is very high! I guarantee that this time, everyone will "get nothing in our hands"! And Silicon Valley Bank and the banks that is now in a storm have a lot of 30-year low-interest "bonds"! These "low-interest bonds" are the so-called 30-year mortgages! Originally, these bonds allowed the bank to earn US$800 million a year, but after the interest rate hike, the bank lost US$2 billion a year! And these mortgage bonds were bought by the banks on purpose! It feels like a good investment in the "low interest rate era", but anyone who understands finance and knows that the investment ratio is wrong! No one puts their eggs in one basket, but the bankrupt banks in the United States are all doing the same thing - put their eggs in one basket!
There are many people who have a lot of real estate as mortgages, because the interest rate is low, and if they borrow more money to buy, there will be big troubles in the future! Many people use house mortgages to buy Bitcoin and stocks, because the 30-year mortgage interest rate was low, investing in stocks and Bitcoin is definitely a bargain! Now Silicon Valley Bank and Signature Bank are bankruptcy, this is only a small part! There are still many banks with 30-year low-interest rate bonds that will go bankrupt one after another! The Federal Reserve protects depositors' funds, which is only a small part of the money. The really big question is: these banks are failing, and who will take over their 30-year low-interest-rate bonds? Ha ha! You probably never had this kind of problem before, did you? Because no bank is obliged to take over the loss-making debts of bankrupt banks! And that's the point: Taking over these bank debt business will definitely have to raise interest rates! What does this mean? It means that 30-year and 15-year mortgages must pay the interest rate price of the receiving bank! Mortgage customers have only two options: 1. Pay off the mortgage! Second, accept high interest rates!
If you have spare cash, of course you will choose to pay off the mortgage! But if your money is in Bitcoin, or the stock market, you must sell Bitcoin and stocks to pay off the mortgage! Finally, if you have no spare money, you have two options: 1. Accept a high-interest rate mortgage! Two, can't pay for high rate mortage! Bankruptcy! The house becomes a foreclosure! This time the "financial bomb" is even more ruthless! This "financial bomb" will leave homeowners and the middle class with nothing! We can wait to see this bomb'll explode! No one has thought of how to solve the "low interest rate bonds" yet! Soon banks across the U.S. will have to make up the big hole in mortgages for the past 30 and 15 years! As soon as these holes burst open... the United States is really frying pan! All I can say is: The Fed is too ruthless! Even ordinary people in the United States will be looted! However, the Fed is used to it! The Americans' wallets is the wallet of the US government! The U.S. government takes as much as they wants, and it is the legal robbery!
***Advice to those who have spare money, take advantage of the good prices of stocks and bitcoins, get out as soon as possible, and prepare to pay off the "mortgage"! Otherwise, the future will definitely be a loss!
現在全世界的政府都「信用破產」！美國退休年齡一直上調，之前62歲可以領全額退休金，後來變成65歲、68歲，現在漲到70歲才能領全額退休金！這是什麼？「詐騙」！一直調高利率、請問：通貨膨脹降下來嗎？通貨膨脹不但沒降下來，而且還是繼續上升！告訴大家接下來美國會怎麼玩？你們知道目前死掉的銀行為什麼死掉嗎？因為他們太多「低利率債卷」，這是什麼意思？未來美國有一個更大的洞！
我必須說：在川普時代已經在醞釀這顆「金融炸彈」！他們怎麼玩法呢？川普是「低利率時代」！大家拼命借錢！大家拼命借錢買房子，所以房價炒得很高！我保證這次肯定會讓大家一次「傾家蕩產」！而矽谷銀行和現在暴雷的銀行都有很多30年低息「債卷」！這些「低息債卷」就是所謂30年的抵押房貸！本來這些債卷讓銀行一年賺8億美元，但升息後、讓銀行一年虧20億美元！而這些抵押債券是銀行故意買的！感覺好像是「低利率時代」很好的投資，但懂金融的人都知道：投資比例不對！沒有一個人會將雞蛋放在一個籃子裏，但美國目前倒閉的銀行都是在做一樣的事～把雞蛋放在同一個籃子！
有許多人手上有很多拿房產做抵押貸款，因為利率低、再借更多錢出來使用，未來都會有大麻煩！許多人用房子抵押貸款買比特幣和股票，因為30年房貸利率低，投資股票和比特幣絕對划算！現在矽谷銀行和簽名銀行倒閉，這只是小部份！後面還有很多擁有30年低利率債卷的銀行都會陸續倒閉！美聯儲保障儲戶資金，這只是小部份錢。真正的大問題是：這些銀行倒閉，他們的30年低利率債卷誰接盤？哈哈！你們可能從來沒有遇過這種問題是吧？因為沒有一家銀行有義務接盤倒閉銀行的虧損債卷！這就是重點：接手這些銀行債卷業務肯定必須要升息！這意味什麼？意味30年和15年房貸必須要支付接手銀行的利率價格！房貸客戶只有兩種選項：一、付清房貸！二、接受高利率！
如果你手上有閒錢，當然會選擇付清房貸！但如果你的錢在比特幣、或股市，那必須賣比特幣和股票來還清房貸！最後、你沒有閒錢，也有兩種選擇：一、接受高利率房貸！二、斷供！破產！房子變成法拍屋！這次「金融炸彈」更狠！這次「金融炸彈」會讓屋主和中產階級一無所有！我們可以等著看這炸彈爆炸！現在還沒人想到怎麼解決「低利率債卷」！很快全美國銀行都必須補過去30年和15年房貸的大洞！這些洞一爆開….美國真的炸鍋！只能說：美聯儲太狠！連美國普通老百姓都要洗劫一空！不過、美聯儲已經習慣啦！美國人的錢包，就是美國政府的錢包！美國政府要多少自己拿，而且是合法搶劫！
***給手上有閒錢的人建議，趁股票和比特幣現在價錢不錯，趕快出清，準備付「房貸」！不然、未來肯定會虧爆！