Should the US sell the gold in Fort Knox?

There has been some talk recently about whether the US should sell the gold it has in Fort Knox, as a way of offsetting the budget deficit.

There are reasons to suspect that the gold in Fort Knox may not be there. GATA has shown evidence of a very active program of the government leasing gold to so-called “bullion banks,” as a way of generating a return on an otherwise stagnant asset. However, in spite of that, let’s assume for the moment that the gold either is there, or can be readily recovered.

Governments and central banks have a history of holding gold, for good reasons. In World War II, a number of countries that the US government did business with would not accept dollars in payment, nor would the US accept their currencies. Many war supplies could only be purchased with gold; it was a major medium of exchange during a period of shortages and substantial uncertainty. In that sense, it is a strategic asset.

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The cause of the financial crisis: government policies

There’s been a lot of talk lately that the financial crisis was caused by a “failure of Capitalism,” and that the solution is more regulation.

I believe government policies were the primary cause of the crisis, and that more regulation will make things worse, not better. I found a very interesting hour-long talk by John Allison, formerly CEO of BB&T Bank (a large bank in the southeast), where he lays out an argument that supports this view, and thought it might be of interest to summarize it here. In case you’re not familiar with Allison, he’s one of the few good and honest bankers out there.

Here’s a summary of his arguments:

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U.S. banks will close 5,000 branches, Whitney says

Not to mention cutting 80,000 jobs….

From: http://www.bloomberg.com/news/2010-11-22/u-s-banks-will-close-5-000-branches-in-18-months-whitney-says.html

US banks will close 5,000 branches, Whitney says

U.S. banks will close 5,000 branches in the next 18 months as they face profit declines from decreased loan demand and lower fee revenue, said Meredith Whitney, the former Oppenheimer & Co. analyst who now runs her own firm.

Banks face an “uphill battle” in generating loan growth as consumers reduce debt and will receive less revenue from fees because of new regulations and the lack of a securitization market, Whitney, 41, said in a report dated Nov. 18 and obtained today by Bloomberg News.

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Money Creation and Destruction

When you take out a loan, here’s what happens:

1. Let’s say that a bank’s first and only deposit is $1000 cash. That cash becomes “reserves.” 90% of that amount becomes “excess reserves.” Banks can only create new loans when they have excess reserves available.

2. A potential borrower comes to the bank, and puts up some form of collateral, such the deed to their house or car. The maximum amount they can borrow is equal to the bank’s excess reserves ($900 in this case).

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Home mortgage modifications from Fannie & Freddie

Fannie & Freddie have started to offer mortgage loan modifications. As of the moment, the loan mod is voluntary.  Accepting this ’solution’ means you:

* Acknowledge the full debt regardless of the value of the home
* Waive all rights to fraudulent or predatory lending claims in the future
* Turn your loan into a full recourse loan that could follow you for life even if you choose foreclosure down the road
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Interest rate manipulation

The problem with central banks like the Fed is that they distort the markets by setting interest rates at artificial levels. That sends incorrect signals to investors and businesses. For example, low interest rates cause business valuations to rise, so stocks go up. Or apparently cheap money might allow a business to justify a loan or an expansion that wouldn’t be possible if rates were higher. That’s the boom phase. What happens next is that when the economy gets “overheated” (high inflation), the central banks raise rates. Things then start to unwind: company valuations drop, new loans are no longer affordable, etc. That’s the contraction (recession) phase.

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Original US central banks

Here’s a quick summary of the original US central banks:

Bank of North America (formed before the Constitution was written) — did not have its charter renewed by Congress, and closed in 1783

Bank of the United States, formed in 1791 (encouraged by Hamilton) — fought by Jefferson, its charter was not renewed by Congress in 1811

Second Bank of the United States, formed in 1816 — fought by Jackson, its charter expired in 1836
Jefferson’s portrait is now on US $2 bills.
Hamilton is now on US $10 bills.
Jackson is now on US $20 bills.

How to abolish the Fed?

G. Edward Griffin, in his book “The Creature from Jekyll Island”, outlines a plan for eliminating the Federal Reserve. Although I don’t agree with his bi-metalism, it’s otherwise a well thought-out approach, and nothing in it would be especially time consuming. Here’s a short summary, modified slightly to reflect a gold-focused approach instead:

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