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The U.S. Quietly Bails Out Its Banks

Once again, the regional banks are in trouble. This time, the crisis began with several commercial/industrial loan defaults and is progressing into yet another multi-billion-dollar bailout via the repo market. Here’s a concise X post with the details:

Echo 𝕏 @echodatruth

While Everyone’s Distracted… Most people have no idea what just happened.

On October 16th, 2025, the Federal Reserve Bank of New York quietly injected $8.35 BILLION into the financial system through something called a Repo Operation, and that’s just what they admitted publicly. Nearly 80% of that was backed by mortgage-backed securities, not Treasuries.

Translation: the banks are running out of cash, and they’re now pawning off their riskiest assets just to get short-term liquidity.

Let me break it down: The Repo Market is basically a virtual pawn shop for banks. They bring their “valuables” government bonds or mortgage-backed securities and the Fed gives them a quick cash loan overnight. The next day, they “repurchase” their collateral. That’s why it’s called a repurchase (repo) agreement. Now here’s the problem

When banks start pawning mortgage-backed securities instead of safe Treasuries, it means they’re desperate for cash. It’s like someone pawning their TV, their car, and then finally their wedding ring. And the Fed knows it. That’s why they quietly announced a $491.65 BILLION Standing Repo Facility for later that same day — nearly half a trillion dollars in emergency overnight liquidity. They don’t prep half a trillion unless something behind the curtain is breaking. Meanwhile, what’s trending right now?

Protests.

Political drama.

Manufactured headlines designed to divide and distract.

While the world argues, the monetary system is quietly unraveling in real time. This isn’t a conspiracy. It’s public data straight from the Fed’s own website. We’ve passed the point of no return. You can’t print your way out of a debt-based system forever. You can’t keep pretending it’s fine when the repo window is catching fire again.

Accident Waiting to Happen
Regional banks own a lot of commercial and residential real estate loans, and — with office buildings and car mortgages leading the way — much of that paper is going bad.

When one borrower defaults, everyone starts wondering who’s next. And they find plenty of likely suspects, which triggers an exodus of capital from the riskiest banks, in turn leading to a government bailout.

This shifts the pressure from banks to the currency, sending capital out of financial assets and into real things. Hence, the gold bull market.

And this is just the start. Keep stacking.

r/Teachers
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26 days ago
ProstateSalad
Top 1% Poster

This is the single most terrifying subreddit on this site

I can't understand what is happening at the parent level. I don't know if it's just the parents being overwhelmed with work/finances, social media, the phones themselves, or all of the above, but we are witnessing the intellectual and behavioural destruction of a generation.

I struggle to come up with an answer, except that this is the fault of the parents. When children refuse to work without consequences, they become adults who are not worth hiring.

When children are not held to any standards, they'll be unable to meet any when they're adults.

I see high school teachers listing all the things their students can't do, and most of them are simple tasks any decent parent should be teaching their child.

WTF is wrong with the current crop of parents? Why are they so ineffective? Don't they understand how they're hurting their own children.

r/Teachers
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26 days ago
Middleage_dad
Top 1% Commenter

Yeah, these parents suck, but there's also a structural issue where the institutions are afraid to actually do anything, either. Maybe school is supposed to be a place where kids get some discipline, but if the school system doesn't think that way, then these kids are in for a surprise when they get into the real world... and I am scared to think of the world they will create in 30-40 years.

The new menstruation: Girls are getting their periods earlier and less regularly

By Annalisa Merelli
May 29, 2024

Menstruation is a critical indicator of health. Whether and when someone with a uterus gets their period — for the first time, and throughout their life — can reflect not only their reproductive health, but their risk of cardiovascular disease, cancer, miscarriage, and premature death.

That also makes menstruation a useful measure of population health. And digital tools for clinical research are beginning to shed light on just how significantly periods are changing over time.

A study published Wednesday in JAMA Network Open, based on data from more than 71,000 women collected through the Apple Research App, shows that girls in the United States have been getting their first period earlier and earlier over the last 55 years — and it has taken longer for their periods to become regular, pointing to worsening overall reproductive and population health.

Imagine a $45 minimum wage, with full employment, and the same prices as today.

Inflation doesn't just happen, like the weather. We were robbed blind.

Imagine a $45 minimum wage, with full employment, and the same prices as today. Families living on one salary, in single-family homes, with housewives staying home to raise their kids. That was America, before we were robbed blind.

Higgenbotham wrote: Tue Oct 07, 2025 11:37 pm It does remind me a bit of the South Sea Bubble. Wal-Mart did sort of deliver on the promise of the South Sea Bubble some centuries later - after it collapsed by something like 98%.

During the South Sea Bubble did the various stock companies promise to import products from all over the world?

AI Overview

During the South Sea Bubble, various stock companies promised to import products from all over the world, even for ventures that were completely bogus. However, most of the schemes and imported goods were secondary to the main event: a massive campaign of public debt consolidation, share manipulation, and propaganda.

The South Sea Company

The South Sea Company, which gave the bubble its name, originally promised to profit from trading with South America. In exchange for taking on a portion of Britain's national debt, the company was granted a monopoly on the slave trade and the ability to send one limited-cargo ship a year to Spanish America. However, the company never generated significant profits from this trade. The real reason for the stock price's rapid inflation was the company's aggressive and misleading campaign to convert government debt into company shares.

Hundreds of "Bubble Companies"

Following the initial surge of the South Sea Company, hundreds of other joint-stock companies were formed to capitalize on the public's speculative fever. These companies offered a wide range of goods and services, and many promised to import various products from around the world. These included:

Importing Swedish iron
Importing walnut trees from Virginia
Importing pitch and tar from North Britain and America
Importing Flanders lace

Deceptive and fake businesses

Many of these new companies were outright frauds with little to no chance of success. Some were designed to be so ridiculous that it's clear the promoters were simply trying to take advantage of the public's mania for speculative investment. One of the most famous of these was "for carrying on an undertaking of great advantage, but nobody to know what it is".

Ultimately, the promises of imported goods from many of these "bubble companies" were never fulfilled and served as little more than a thin veil for fraudulent schemes designed to bilk investors.