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First personal experience of the coming liquidity squeeze

     Heeding the advice of Dr. Martin Weiss, among others, I have been gradually drawing down my exposure the US banking system for several years. Part of that I implemented today, finally closing (I had been drawing it down for years) a savings account at a bank whose safety rating had abruptly plummeted 4 notches last quarter, and showed no signs of recovering. 
    I had no qualms about this, as in addition to their recent troubles, this bank had a history of relentlessly bad customer service (short hours, ignorant and uppity tellers, and once declining to offer me a credit card when I had well over a quarter mil on deposit). The only reason I had kept money there (at one point most of my net worth) was their A safety rating. Absent that, they had Nothing.
    At this point I had less than $15,000 left in the account, which struck me as a manageable sum, especially for their headquarters branch. In fact, just a few months ago they seemed to have no particular trouble when I withdrew $10,000 in cash. But this time, when I asked for cash, they said they didn't have that much
    Now, understand that this is no hole-in-the-wall bank. They have half a dozen branches, all over the county, including one at the local mall, and another in one of our Walmarts. And the branch I was in was the headquarters, in a large building of its own, with its own parking lot, in the middle of downtown, with an operations annex across the street. 
      In the end, I was able to get $10,000 in cash, and the rest as a cashier's check, and I cannot claim any personal discomfort from this outcome. And if I'd been willing to wait a day, I could have had it all in cash. But it does serve as a telling reminder of just how little cash our banks likely have on hand, already. When the bank runs start, things are going to go south fast