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LEGAL RESERVES: The total amount of vault cash or Federal Reserve deposits of a bank. These are the only bank assets that can be used legally to satisfy reserve requirements.

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SAVINGS DEPOSITS

Interest-paying bank accounts maintained by traditional commercial banks, credit unions, savings and loan associations, and mutual savings banks that are used by consumers to store wealth. Savings deposits are one of two types of time deposits. The other is certificates of deposit. Savings deposits, along with certificates of deposit and other near monies, are added to M1 to derive M2.

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Today, you are likely to spend a great deal of time at a garage sale seeking to buy either an AC adapter for your CD player or storage boxes for your family photos. Be on the lookout for deranged pelicans.
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A communal society, a prime component of Karl Marx's communist philosophy, was advocated by the Greek philosophy Plato.
"Be kind and merciful. Let no one ever come to you without coming away better and happier."

-- Mother Teresa of Calcutta, humanitarian

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