Seeking Alpha
Seeking Alpha Portfolio App for iPad
Finance
(1)
Market Currents

"This is a nuclear war on savings and wealth," writes Jefferies' David Zervos of the Cyprus...

  • Sunday, March 17, 7:46 PM ET
    "This is a nuclear war on savings and wealth," writes Jefferies' David Zervos of the Cyprus bailout. "This is a policy move you expect from a dictatorial regime ... not in an EU member state. If the EU governments can clandestinely expropriate 7-10% of their (citizens' savings) after the close of business on Friday night, what else are they capable of doing ... Why keep your money at a Spanish or Italian bank when you can jump to Germany or France ... Why even keep money in the EU banking system at all."
Track new comments on this story

This news story has 87 comments:

  • Sounds like what you US folks had happen when Congress didn't read the 2800 page HCA Bill outling. Forget about the 45000 new pages being attached.
    Now the taxes on all sorts of things are taking more then 10 % from all Americans. Even the middle class.
    17 Mar, 07:49 PM Reply Like
  • Rofl!
    17 Mar, 08:22 PM Reply Like
  • For those politicians who wanted it passed, that's a feature not a bug, bigthinker.
    17 Mar, 08:23 PM Reply Like
  • Dgeorgia...everything to you is politics....how about some investing
    wisdom???
    17 Mar, 08:40 PM Reply Like
  • In the US, we call these things a tax.
    17 Mar, 10:16 PM Reply Like
  • @davidin G, that is a "feature"...ha ha ha ha

    Gees the party who passed it didn't read it either. Ask the great Speaker lady of botox ! You'll have to pass it so your can read it. Now MANY of those in the party who featured it have to explain it to there constituents.:>(

    Glad I have oodles of $s to get my medical care.And, glad I don't live in the USA. As the days pass and when thee exchanges are finally set up your going to see ALL the bad things that England Canada and Costa Rica etc.. see. Your going to use multi year calendars for appointments. And, what ever you do.. Die before 70 !
    18 Mar, 05:16 AM Reply Like
  • Its Cyprus... who cares?
    17 Mar, 07:55 PM Reply Like
  • You will soon.
    17 Mar, 08:26 PM Reply Like
  • or not
    17 Mar, 08:41 PM Reply Like
  • The same suckers who got fleeced selling on the Greece panic will just have an encore, now.
    17 Mar, 09:40 PM Reply Like
  • In the short term your correct Tack.

    But eventually it will be us that are the suckers. Once the guns are confiscated there will be little left to hold back the bureaucrats, politicians and financial elite from taking most of the liberty and freedom that we have left.

    All private citizens everywhere in the world should be very upset at this development and very concerned if it is allowed to stand. When you lose your liberty and freedom it doesn't really matter what investment decisions you've made.
    17 Mar, 09:59 PM Reply Like
  • david:

    Please, enough with the hysteria. Is it ceaseless here in SA?

    1) Eventually, we're all dead. I'm more worried about meanwhile.

    2) There are over 200 million privately-owned guns in America. They're going to be "confiscated" by whom and what army? They can't even pass gun-control measures after massacres, but "they" are going to confiscate your guns?

    Think you find something else more important to worry about, like making your financial future more secure.
    17 Mar, 10:04 PM Reply Like
  • I like this quote from Samuel Adams:
    "If ye love wealth better than liberty, the tranquility of servitude than the animated contest of freedom - go home from us in peace. We ask not your counsels or arms. Crouch down and lick the hands which feed you. May your chains sit lightly upon you, and may posterity forget that you were our countrymen!"
    17 Mar, 10:10 PM Reply Like
  • Does this make, ironically, the USA a "safe haven?"
    17 Mar, 10:21 PM Reply Like
  • Tack,

    Tell me that three days ago you would have thought that an EU member state would arbitrarily decide to take 6-10% of all their citizens deposits from their bank accounts.

    My financial future is irrelevent if I have no freedom or liberty. So I don't think anything is more important.

    Heck, I'm even someone that believes we have always had gun and munitions control in this country and have no issues with updating the laws. But I'm also someone that is truly amazed that we have allowed: 1. Wiretapping with no warrants. Capture and scanning of all emails by the government. Car monitoring devices with no warrants 2. Drone useage in the US to spy on citizens. 3. Detention and indefinate holding of citizens with no warrants nor representation. 4. Financial databases being constructed to collect all private transactions of our citizens by our government. 5. TSA molestation if citizens want to board a commercial airplane. 6. All cars required to have "black boxes" capable of monitoring our every movement (of course - trust us we'll only use it in the case of accidents). The list goes on and on.

    The "They" seem to have accomplished all the above with but a peep from its citizens. Yes, the taking of guns will take some time and effort - seems the first step is the database for background checks - have to know where the guns are before you can go get them. But at this point I put nothing past the state. Our freedoms and liberties are being eroded day by day - bureaucrat by bureaucrat - regulation by regulation - rule by rule (some even in direct contradiction of other rules) - tax by tax - fee by fee - law by law.

    And yes, eventually I"m dead - probably sooner than eventually for myself. And I think I owe it to my children to ensure they have the same and liberties that I experienced. Without them its back to the USSR - truly amazing to think that we supposedly "won" the Cold War just 20 years ago and now seem to becoming more and more like our opponent!!!
    17 Mar, 10:21 PM Reply Like
  • david:

    You make some genuine points, but this is an investment site. The endless political palaver isn't very useful and gets tiresome.

    Imagine the reverse: investors go the the top political blogs and start telling everybody to buy IBM or sell Apple, not discussing politics. They'd be hooted out of town.
    17 Mar, 10:25 PM Reply Like
  • I don't disagree with that to an extent - but unfortunately it seems that much of our investment landscape is being controlled by government decisions, and this article is at its core about liberty and freedom and the willingness and ability of "Western" bureaucrats to seize personal property. I'd be much much happier if this wasn't the case and our government wasn't overshadowing everything else.

    So I'd buy your statement completely if I were inserting my political "palaver" in articles about IBM or Apple - but I don't believe I do that. Enjoy the rest of your weekend.

    Regards
    17 Mar, 10:34 PM Reply Like
  • " The same suckers who got fleeced selling on the Greece panic will just have an encore, now. "

    Or the Italian panic a few weeks back.
    17 Mar, 10:44 PM Reply Like
  • Obama might doing such to us! This is one way to close the budget gap.
    17 Mar, 11:34 PM Reply Like
  • yes. QE was specifically created to deal with the "problem out of Europe" problem. strange to call the USA a "sea of tranquility" here...but certainly there is no more active military on the planet going on well over a decade now. hard to say what will happen should the "no one is in charge" issue become "the reality."
    17 Mar, 11:54 PM Reply Like
  • Tack,
    Too much politics, yes. ...unless Cypress is the ghost of Creditanstalt!
    18 Mar, 09:13 AM Reply Like
  • "This is a nuclear war on savings and wealth," .....Gold up just 10 bucks???
    17 Mar, 08:01 PM Reply Like
  • I see 8 and I don't see the S&P futures that red. DAX futures not so bad either.
    17 Mar, 08:42 PM Reply Like
  • Ok, maybe a pellet gun on savings and wealth...
    17 Mar, 09:51 PM Reply Like
  • I almost wrote the exact same lines verbatim in my newsletter today. Europe never ceases to amaze. Just when they might have kind of been getting things together, they come out and do something even more asinine than all their previous debt crisis actions.
    17 Mar, 08:16 PM Reply Like
  • I think Germans are just plain brilliant. They are very moral people and want everyone to feel lots and lots of pain. I respect that.
    17 Mar, 08:20 PM Reply Like
  • "This is a policy move you expect from a dictatorial regime ..."

    Well, yes. What the heck does Zervos think that the unelected bureaucrats of the EU are?
    17 Mar, 08:22 PM Reply Like
  • Money laundery Nation being punished. So what? Poor Russians.
    17 Mar, 08:23 PM Reply Like
  • > Its Cyprus... who cares?

    True, Cyprus is a tiny economy. But if the rest of Europe see how the EU allows the Cypriots to get away with such blatant treaty violations, I'm sure other European nations--much bigger ones--might think of trying the same. And when that starts, the only safe place for money in Europe is Switzerland, outside the EU.
    17 Mar, 08:26 PM Reply Like
  • See, you don't get it. They didn't get away. The Germans grabbed their balls and are squeezing them.
    17 Mar, 08:30 PM Reply Like
  • Mrs.Merkal is running now and she is sure to win,but, must bolster her coalitions..Politics is war !
    17 Mar, 08:39 PM Reply Like
  • Exactly BigT, exactly. That is the music for this year.
    17 Mar, 09:26 PM Reply Like
  • apparently there is a lot of Russian money deposits in Cyprus, some maybe black market money, so yeah, why not?
    17 Mar, 08:44 PM Reply Like
  • Fighting thievery with thievery robs an economy of trust.
    18 Mar, 03:07 AM Reply Like
  • Why not? Collateral damage, and a loss of whatever confidence might be retained in the international monetary system.
    18 Mar, 12:02 PM Reply Like
  • > See, you don't get it. They didn't get away.

    Where do you see that? It sounds like the 10% asset grab is going through, despite its contravention of EU regulations.
    17 Mar, 08:47 PM Reply Like
  • Hmmm..our fore fathers saw similar things before coming to America....so as soon as they gave freedom on life , liberty and the persuit of happiness...they established THE 2ND AMENDMENT...so that the powers to be... had to think twice........ironically they seem to be chipping away at this right now ....so that in the future such confiscation by the government would easier and less messy.....think the citzens in Cypress are armed...?.....bet the government officials are.......just a thought
    17 Mar, 08:48 PM Reply Like
  • Oh, gad, here we go again.There are so many guns in this country (most owned by my mother's side of the family), that no law ever passed will make a dent in private firepower. No law is proposed, or will be proposed, to take guns away. Many more cops are killed in this country trying to protect your family than tax scofflaws.
    17 Mar, 09:05 PM Reply Like
  • so then why the push to ban them if you say it so pointless...?
    17 Mar, 09:24 PM Reply Like
  • That worked well for the citizens in Libya against Qaddafi. ;)
    17 Mar, 09:25 PM Reply Like
  • Pretty much.
    17 Mar, 09:57 PM Reply Like
  • I should add that the armed citizens in Syria are having a wonderful amount of success against a tyrant. ;)

    Seriously, do you people really expect a bunch of old white dudes to hop in their pick-up trucks and stage a coup in Washington, D.C.? If you do, then you shouldn't be here posting on Seeking Alpha. You need to go "off the grid", buy some farmland, become self-sustainable, and move to Wyoming or Montana. The idea of a Civil War or coup being staged in the United States is beyond ridiculous, especially the idea that it would be even remotely successful, or that whatever form of order would be established afterwards would actually be wanted by those who survived.
    17 Mar, 10:38 PM Reply Like
  • Here here.
    20 Mar, 05:45 PM Reply Like
  • The interesting thing is that you can not wire money anymore (to Russia with love) and that the funds are already frozen. Very fast I must say.
    17 Mar, 08:48 PM Reply Like
  • Hmmm...this may be all about the Russian oligarchs.
    17 Mar, 09:11 PM Reply Like
  • Stupid, stupid socialists - makes you wonder why the naive US populace reelected one.

    "The problem with socialism is that eventually you run out of other people's money." - Thatcher
    17 Mar, 08:57 PM Reply Like
  • Si, if you are a Russian oligarch or mobster you might consider moving your money....to where?
    17 Mar, 09:08 PM Reply Like
  • There are dozens of countries all over the world - Asia, Africa, Caribbean - where banks will be happy to hold your money for you, no questions asked, and little risk of the government suddenly taking a sizeable bite out of your assets.
    17 Mar, 09:17 PM Reply Like
  • You can't. Its frozen, no wire transfers.
    17 Mar, 09:18 PM Reply Like
  • Diversify. Spread the wealth around. Maybe send some to the Caymans? ;)
    18 Mar, 12:05 PM Reply Like
  • It's a nuclear war on hiding ill gotten gains and hiding from tax authorities. The EC knows who's money is in the Cypriot banks. If they want to hide there they will have to support the government.
    17 Mar, 09:15 PM Reply Like
  • Unfortunately, these statements about all the money belonging to the Russian mafia or being laundered for Russians isn't quite true.

    37%-40% of Cyprus bank account assets are held by "foreigners". But that includes the many British and French retirees. That includes all the ex-pats that live and work there. That includes all the Russian DUAL CITIZENS that have their money there.

    Russian Oligarchs are just the boogeyman being used by the bureaucrat to justify their theft.
    17 Mar, 10:03 PM Reply Like
  • When a government wants to suspend personal rights, it's useful to mention a scary foe as the justification. In the U.S., it's "terrorism", in Europe it's "Russian oligarchs".

    In the end, the reason governments chase more power is that governing is easier when you have more power. There's no evil conspiracy here; it's just that protecting human- or property rights is a major hassle.
    17 Mar, 09:22 PM Reply Like
  • Cypress has a choice. If the EU is going to treat them this way then they should leave the EU. I don't know the details of how they got into this predicament, but the EU appears to want to be rid of Cypress.

    This particular way of maneuvering Cypress to an EU exit will obviously backfire for the European banks in troubled markets - maybe even lead to an EU wide banking system. Whoa ... maybe that's the end game the EU has in mind.
    17 Mar, 09:29 PM Reply Like
  • This manufactured crisis will make Germany stronger. This is brilliant. Two world wars and all we got is this lousy monetary union with Germany calling all the shots.

    Thank goodness I don't live in Europe.
    17 Mar, 09:37 PM Reply Like
  • "Cypress has a [...] rid of Cypress [...] maneuvering Cypress [...]"

    "Cypress" - the tree or the semiconductor company?

    It's hard to take your opinion seriously when you don't even know the difference between a conifer and a Mediterranean island.
    17 Mar, 09:43 PM Reply Like
  • Not to make light of this, but I hope the S&P gets crushed at the open Monday. Money is free, markets are going higher, noise is reason to add.
    17 Mar, 09:51 PM Reply Like
  • Well said, V.I.
    17 Mar, 09:59 PM Reply Like
  • One more reason to invest in US, look at huge returns under President Obama.
    17 Mar, 10:14 PM Reply Like
  • Attributing stock market gains to the president during whose administration they happened makes about as much sense as blaming the president for earthquakes that occurred during his presidency.
    17 Mar, 10:29 PM Reply Like
  • It's kinda funny that the stock market always rallies under Dem Presidents, eh?
    17 Mar, 10:46 PM Reply Like
  • Well lets see what the record is after the next four years.
    17 Mar, 11:40 PM Reply Like
  • It will be up. But that is not going to change the mind of Republicans who will ask for more tax cuts.
    18 Mar, 12:25 AM Reply Like
  • Well, they need to start eating Heavy Lead to prevent ☢ radioactive poison!
    17 Mar, 11:36 PM Reply Like
  • Terrible policy in Cyprus, and shocking. But, consider:

    1. Cyprus accounts have paid 4-5% interest in the past several years. Far more than Germany. So, the 6-9+% "tax" is basically a clawback of the interest spread between German and Cyprus banks over the past 2 years. Hopefully, you didn't move 200k into Cyprus yesterday.

    2. Depositors are getting bank stock for their money. Better then the banks collapsing and them losing all the money. In the US the gov bailouts (C, GS, MS, etc) ending up breaking even or making money for the equity portions. So, these people may yet be made whole (or better). Again, better odds then if the banks collapsed.

    3. Wouldn't all this make equity assets more appealing? If I'm gonna take a risk by having my money in a bank account for 1% - I'd rather have it in the S&P500 making 2.5%+ dividend income and possible capital gains. There's only so much money I can keep in a safe at home (and even that can burn down).
    17 Mar, 11:55 PM Reply Like
  • The problems include taking on risk, and maintaining adequate safeguards on large cash positions. In countries where there is a limit on deposit insurance, amounts over the limit tend to go into so-called safe havens, such as US Treasuries. The idea is that sovereign bonds function as a form of insurance for large investors. We may see the bond spread widen again between Germany and peripheral European countries.
    18 Mar, 12:17 AM Reply Like
  • Why can't Germany dictate that anyone in the EU holding sovereign debt other than that of Germany has to pay a 105 tribute to Germany, otherwise the economy of the respective sovereign country will be crushed? Come on guys. Germany rules, other EU countries are satraps of Germany.
    18 Mar, 12:28 AM Reply Like
  • Functionally that is what is happening in the bond spreads in Europe. Check the value of Bunds (German) against other countries. In many of the last few years, short term Bunds were in such huge demand that investors were paying more for them than they would yield. While part of that was speculation, the advantage for Germany was that some investors were paying Germany to borrow money short term. Hedge funds drove a little of this through speculation that the Euro would break up, which would have meant a much higher payout on those Bunds.

    Another factor is that sovereign debt borrowing rates often are used to determine lending rates in each country. So for businesses that needed credit, the rates were often more favorable in countries where the government managed the economy better.

    While I would imagine you thought your comment was a humorous way to troll for a response, there is a serious way to view the current status of Europe. Germany can do no more, and no less, than manage their own country, and try to show that managing a budget is possible. In some peripheral countries, a spiral of self interest for rewarding public workers is leading to debt levels exceeding GDP. The same thing is happening in California, and a few other places in the United States.
    18 Mar, 05:23 PM Reply Like
  • "Germany can do no more, and no less, than manage their own country, and try to show that managing a budget is possible."

    Come on, Germany can do more than that. It already ousted Berlusconi and put its own puppet in power in Italy, only to have the puppet get kicked out in the next election. It tried to rob mom-and-pop bank deposit holders in Cyprus, but is now running away with its tail between its legs. That's how bullies behave. I think Germany should do more to take over all of the EU. Why can't Germany dictate policy to all Europeans?
    18 Mar, 05:36 PM Reply Like
  • Perhaps you need to put on a tinfoil hat and wait for the black helicopters to arrive. ;)

    If you want to have discussions about conspiracy theories, you may find other forums that cater to that. Of course, seeing as how you like to stereotype and categorize individuals to fit into your world-view, I doubt you wanted a serious reply.
    18 Mar, 06:21 PM Reply Like
  • Dude, the Berlusconi deal and the Cyprus bank deal are public news.
    18 Mar, 06:23 PM Reply Like
  • Dude, you have your own opinion about that "news". It is not possible to have a rational discussion with you about this, because you have already made up your mind. There is no remaining actionable investment advise in this conversation.
    18 Mar, 06:28 PM Reply Like
  • Investable advice? Well, here's what I do. Every time there is yet another German manufactured EU crisis, I short volatility.
    18 Mar, 08:52 PM Reply Like
  • Typical knee jerk reaction from you. I see little point in reacting to every little ripple in the markets.
    18 Mar, 09:08 PM Reply Like
  • It's rather lucrative. Thank goodness Germany is always there for me, manufacturing crises.
    18 Mar, 09:50 PM Reply Like
  • Good luck with that. Thank goodness there are simpletons like you to add some volatility to the markets. ;)
    18 Mar, 11:58 PM Reply Like
  • I am sure. Shorting volatility after a spike must add volatility to the market.
    19 Mar, 12:06 AM Reply Like
  • Isn't this kinda kike what FDR did w/gold in yhe depressionb?
    18 Mar, 12:11 AM Reply Like
  • Isn't this kinda the same thing FDR did in the US w/ gold back in the depression?
    18 Mar, 12:15 AM Reply Like
  • Not really. Currency under a gold standard often needed to be revalued after periods of imbalance. In this situation, banks in Cyprus do not borrow much, yet their capital controls have been so poor that now they need to borrow to remain solvent. The government in Cyprus is unable to borrow, due to poor management of funds. So in a way the proposed action is an attempt at forced lending, mainly that savers are providing loans to the banks in Cyprus. Where I think this will go horribly wrong is that it appears that the proposals will not actually save the banks.
    18 Mar, 05:26 PM Reply Like
  • Never mind "expect", this is a dictatorial world period.... no time for pathetic politics, debate etc...... the IMF, World Bank, ECB, BIS etc etc Wall Street Bankers, Central Bankers and that useless UK Monarchy need to be dragged into the streets and hung, these demonic people are the same people who created this 2008 financial fiasco..... purposely, planned, plotted to ensure the world is debt ridden, ENSLAVED to ...... the Rothschild's, the Rockefeller family's etc etc..... who are the real enemies of every day hard working people..... WAKE UP !!
    18 Mar, 12:19 AM Reply Like
  • France and Germany don't pay you those high deposit interest rates as Spain, Italy, etc do. Want your deposit to be safe then don't expect 10%. The haircut just evens things out. What you are left with is safe now.
    18 Mar, 12:21 AM Reply Like
  • So we will soon have a run on Spanish and Italian banks, right? I must say, Germany planned this perfectly. What a way to start a panic.
    18 Mar, 12:29 AM Reply Like
  • They could not have chosen a more idiotic course of action. Truly. But then again, maybe European governance has become a stock market theme park and they only exist to supply us with our yearly spring turbulence. The timing is uncanny. On Friday as I was putting shorts on and getting long volatility I was actually very restrained, because it seemed like the whole thing had to be a setup. (Which may actually play out here, a bear trap.....perhaps a Tuesday morning low into a Wednesday high or so?)
    18 Mar, 01:17 AM Reply Like
  • Actually not at all. Borrowing rates are likely to be affected in the near term, but the longer term impact is negligible.
    18 Mar, 05:27 PM Reply Like
  • hey macro, up waiting for the dax to open? so what do you think on the asian drops and flatlining? all primed to buy today?

    you want some investing info? where do we start? let's see... % of snp5k over 200dma- check; % of russell3k in highest rate of daily close increase over the trailing 30 day mark for the last 18 trading sessions-check; two of the lowest volume midday two one-hour trading sessions (11-noon; 2-3pm) in the last 21 years-check;

    you know, i watch this orchestrated manure every day on more computers in a single setting than most people have probably touched in a lifetime;

    i have never ever seen such mitigated bs as the hourly stuffing resulting from healthy permanent market operations by outfits using truly funny money;

    this crock will go to untold heights of nominal valuation just as it did from aug 82 at 100; but will the world be richer, will the people be better, yeah; let's see, dial the clock back to aug 1938 when my grandfather returned from his native Munich Germany and wrote in his diary that the state fervor of runaway economic success as being experienced masked the dangers of Adolf Hitler's dictatorial grab of power and that the daily misery of the Weimar inflation he had lived through would most likely be replaced by horrors unimaginable that could destroy Europe;

    how prophetic and i told my partners when we sold our high tech business in feb 2000 that it was a top of tops and the best thing to do was to buy bonds and pm because stocks were way overvalued;

    John Adams was quoted as saying "there are two ways to enslave our people, the first with the sword and the second with debt";

    my statement to all bulls is that nominally we'll achieve great new heights after ONE MORE CATASTROPHIC COLLAPSE that sets the stage for the bounce to end all bounces because the ONLY way to eliminate the debt is to inflate the underlying currency or else seize the capital goods of private holders, which will not and cannot happen on a scale sufficiently large to truly pay back the debt
    18 Mar, 02:21 AM Reply Like
  • I was up watching a movie, actually. I don't worry about small things like dumb moves by Germans. They always react well to a little show of force and backtrack with their tail between their legs. History shows that over and over again. As expected, they backtracked.
    18 Mar, 09:22 AM Reply Like
Other date
DJIA (DIA) S&P 500 (SPY)