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Posted: December 31, 2009 07:16 PM

Arianna Explains Move Your Money To CNN's Rick Sanchez

What's Your Reaction:

Arianna spoke to Rick Sanchez on CNN Thursday afternoon to urge Americans to withdraw their money from big bailed out banks and move it into local community banks.

Visit moveyourmoney.info to learn more about the project, and find a well-ranked community bank near you.

WATCH: Part 1


WATCH: Part 1


 
 
 
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HUFFPOST SUPER USER
ndem
12:46 AM on 01/03/2010
Back in 2007 a HuffPost blogger made this connection: http://www.huffingtonpost.com/vivian-norris-de-montaigu/its-a-wonderful-life-and-_b_78075.html
guajiro
posted 5 minutes ago
02:55 PM on 01/02/2010
Quite honestly, Arianna's idea is good, but it could be much better. I know I have 30-40 times more in my 401k than I do in my checking or savings account at a bank. With the 401ks of teachers, firemen, policemen, etc, and the 401ks of the employees of the Fortune 500 companies all being pulled and put into credit unions and local banks at the same time, THAT will catch their attention. 401ks combined, just in Texas, is in the Billions (with a B).
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HUFFPOST SUPER USER
gavrielle
Empty... Empty... Empty...
11:51 PM on 01/01/2010
I have been using community banks and living a cash only lifestyle for about 20 years. The only bills I have to pay are my utilities, internet and rent. I don't even use ATMs anymore. Everything is on a debit card. It is so freeing not to be in debt. Within a year of paying off all my credit cards my ulcer healed up and I was able to sleep at night without any worries. I highly recommend Arianna's plan to everyone. It's about time Americans got off the keeping up with the Joneses bandwagon and went back to a sensible lifestyle of investing in our communities, saving what we can and spending only on things we need.
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unionave
Old Codger
10:54 PM on 01/01/2010
Big business has been warping the minds of people for centuries and in our nation they have done a very good job . What Arianna is doing is the best thing this nation can do at this time because money is power and if we take away the money we have in Wall Street they will have less control over our government . The local governments can help a lot also by requiring that tha big retailers open and use accounts in the local banks for all local business . This would decrease the flow of cash out of the local areas where the big retailers are set up and also help the local banks . Chicago's famous mayor is working to get a big retailer to set up in Chicago . The big retailer never replace's the job loss it creates nor the loss of tax revenue so if the mayor of Chicago is successful in his attempt to open big retailer stores in Chicago property taxes in Chicago will suddenly sky rocket and more small banks will close . After the mayor made the statement that "Chicago workers are not good workers" I wonder why any large company would want to do business in Chicago .
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Bluemax1
As thoughts manifest your Universe is created.
11:08 PM on 01/01/2010
Thank you Arianna,
I get more truth here than any of the media feeds.

Blessings to everyone in the New Year. Check out
you tube 2010 Predictions from Beyond.
guajiro
posted 5 minutes ago
02:51 PM on 01/02/2010
You're contradicting yourself. First you say Arianna's idea of using local banks is good. Then you say that if that idea is expanded to big retailers it is bad because "more small banks will close". Confused much?
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HUFFPOST SUPER USER
Ergon
Man From Atlan
10:43 PM on 01/01/2010
I wonder why, instead of writing about an unlimited check for Fannie Mac and Fannie Mae, we didn't get this $4 TRILLION giveaway from Barney Frank to all the banks?
http://www.bloomberg.com/apps/news?pid=20601039&sid=a48c8UpUMxKQ
HUFFPOST SUPER USER
RButler
I've always wanted to have everything I wanted
10:14 PM on 01/01/2010
About 6 years ago, I got a CHASE Master Card with Travel Rewards and have racked up about $1200 in money I can use at Best Buy or Home Deport or airline tickets. But, the most important thing I did was to make a commitment to pay the balance each and every month, no matter what. Otherwise, it wasn't going to be a good deal. And I have. But, I keep wondering if they are going to pull a fast one on me by changing the rules.
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HUFFPOST SUPER USER
rnorthro14
This micro-bio is just begging to be updated
01:44 AM on 01/02/2010
Expect them to try and hit you with some sort of fee or penalty for your good behavior. They truly are worse than the Mafia.
09:08 PM on 01/01/2010
We've been with a local bank for years and it is a good idea. BUT, you should all know banks generally tout FDIC and the I is insured. Their insurance rates are quadrupling and many local, community banks may wind up out of business unless they can find a way to pay that insurance premium. That means fees folks. It really sucks that Tim and Dave at my local bank have to find a way to pay what is essentially a penalty for doing good business in the form of exorbitant increases in insurance premiums.

These guys don't know how to answer to their board of directors. The premiums the Fed is assessing on solvent banks is exorbitant.

Keep fighting -- take your money back. The Feds obviously learned nothing from the savings and loan crisis but even those remainders that switched to banks are finding it a tough row to hoe today. My community banks give back in so many ways that I do not regret doing business with them, but the Feds are making even them charge fees and premiums just to pay the insurance that they don't like but must charge to stay solvent.
HUFFPOST SUPER USER
RButler
I've always wanted to have everything I wanted
10:06 PM on 01/01/2010
There must be a way of assessing which banks and their practices present a higher risk for FDIC insurance and raise their rates and reward good banks with lower rates if they pose a lower or better risk. It would also serve to make the risky banks more expensive to do business with and maybe put them out of business while directing more customers to sound banks.
HUFFPOST SUPER USER
Dreamwalker420
12:39 AM on 01/02/2010
A bank doesn't pose a risk for FDIC insurance when it is chopped up and sold to its competitor's because of insolvency.

The risk occurs when insolvent banks are given trillions in bailout cash. All that free money means that community banks cannot compete with the wheel barrows of money the mega internationals are getting for free from the Federal Reserve.

Community Bank A has $1 million in deposits, and 1% default.
Mega Bank B has $100 million in deposits, and 15% default.

Mega Bank B receives $15 million in CASH to cover it's losses ... Community Bank A receives nothing. The mega bank is made solvent by the Federal Reserve and the community bank is destroyed ...

If Mega Bank B doesn't receive bailout money, it goes insolvent (bankrupt and is sold at auction by the FDIC). This is how capitalism is supposed to work.

Now, under bailout nation ... Community Bank A has to cover the losses on it's loan portfolio with it's own money (no free money for them) . This means Community Bank A has less money to loan out to consumers. Mega Bank B however, destroys the competiton because, not only do they not take any responsibility for their bad loan portfolio ... they have hordes of new cash to make new loans!

What makes this truly evil, Mega Bank B uses the free money to purchase Community Bank A at a pre-arranged price through the FDIC when the community banks fail.
This user has chosen to opt out of the Badges program
08:50 PM on 01/01/2010
But, folks, Michael Moore suggested this back in October in his blanket letter. One of 15 suggestions to take back control. Check it out - (# 1 in the third batch but might as well check out the other 14)

http://www.michaelmoore.com/words/mikes-letter/michael-moores-action-plan-15-things-every-american-can-do-right-now

Peace and Happy New Year to everyone.
HUFFPOST SUPER USER
Balzac
08:21 PM on 01/01/2010
Happy New Year Arianna, and everyone else at Huffington Post.

The "Tea-bag" movement was re-branded by yours truly, as I decided it was obnoxious, bad for tea companies such as Earl Grey, Lipton, King Mountain Tea, and reflected negatively on the founding of the USA from the original Boston Tea Party.

Still, we can call some people "tea-baggers", distinct from "Tea Partiers". Also, President Obama's critics are not the main connoisseurs of tea, nor tea parties, so the movement is patriotic, like our president.

The Tea Party is mine now. Some Republican tried to co-opt the movement, spending $4000.00 for dinner or something. Now the Tea Party constituency must recognize me.
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08:12 PM on 01/01/2010
How does one go about getting a local credit card? I thought they were still owned by the big credit card companies. If I could find a local credit card that was recognized across the country I would switch in a heartbeat. Years ago I moved my banking to a local credit union. Checking, saving, and investments. I feel like they know me and I am never treated like the big banks do.
HUFFPOST COMMUNITY MODERATOR
spartanmom
My micro-bio is empty
09:26 PM on 01/01/2010
I have a debit VISA with my local FCU and it is only a debit card but it is recognized nationally and on the face of it, it looks like a regular credit card.

But for most of my expenditures I use the American Express card because we travel a lot on business. We don't use any of the pay over time features.

This enforces a kind of fiscal discipline on us and keeps us from over spending. Also, we avoid the malls like the plague and keep as much of out spending local as we can.
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HUFFPOST SUPER USER
gavrielle
Empty... Empty... Empty...
11:36 PM on 01/01/2010
Try Diners Club as well.
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08:05 PM on 01/01/2010
Anyone seen the movie 'Metropolis'? made in 1927. Get it out now. Great movie and so on the mark. Get the Pink Floyd soundtrack version if you can.
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poeticjustice4all
Past = Prologue
07:59 PM on 01/01/2010
The reality here is that most people don't have any money to "move around."

The average American saves about $400 a Year. Average household debt is $100,000. You can't blame the banks for that horrifying situation.

Move money from one bank to another in an attempt to punish and control financial institutions will not work. Banks wouldn't have control over America if the majority of people weren't living WAY beyond their means on borrowed money.
09:18 PM on 01/01/2010
Redistribute the wealth. There's way too much at the top and it hasn't trickled down even a little bit.
HUFFPOST SUPER USER
hoodie
07:46 PM on 01/01/2010
I am in! Leaving Wells Fargo this month, resolved to have no credit card debt and save 20% or more. I will also spend the majority of my money locally. Tired of feeling powerless over all this stuff! Power to the masses! Thanks Arianna!
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HUFFPOST SUPER USER
patrickgarret
06:49 PM on 01/01/2010
My best friend and I made New Year's goals last night to not give in to the "American Dream". Meaning NO DEBT, if we can't buy it with cash, we SAVE for it. NOVEL idea. And as Suzie Orman says, with every purchase, do I REALLY need this.
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07:18 PM on 01/01/2010
for about 99% of my purchases, it's cash. If it's not, the balance on the CC gets paid off before the end of the month.

For me, it's "Do I want it, or do I need it? If I need it, I'll buy it. If I want it, it can wait."

takes discipline, but it works.
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07:34 PM on 01/01/2010
Amen to that. Unfortunately many jobs will go with this principle BUT so they should due to being worthless consumer jobs funded on peoples debt anyway. We need productive jobs which revolve around us making EXPORT jobs making products people NEED, not want the world over.
HUFFPOST COMMUNITY MODERATOR
spartanmom
My micro-bio is empty
09:28 PM on 01/01/2010
The jobs lost by cutting back on unnecessary spending will be in China.
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countryrds
Just relax
06:27 PM on 01/01/2010
I like this a lot and it is enjoyable seeing the comments here. Is this unity?