What happened in 1933, 2013, and 2022 could be about to happen here now

Dear Reader,

If you think the U.S. government would never freeze or seize your bank account ... you need to look at history.

The only thing stopping the U.S. government from doing the same thing on a massive scale?

So far, our banking system has been too fragmented. And the technology too slow.

But now?

Buried in Federal Reserve Docket No. OP-1670 is the blueprint for "FedNow" - a centralized, real-time payment hub that over 1,500 banks have already joined.

In a nutshell, once your bank is plugged into FedNow, every dollar you move is routed through a system that the Fed built and controls.

That means if we ever run into a "national emergency" or a "banking crisis," they won't need to ask your local branch manager to freeze your account. They could theoretically do it with a few keystrokes from Washington.

And that's why you must act before this new system fully takes over.

I've outlined 4 simple, 100% legal steps to "Fed-proof" your savings - without closing your current accounts.

The best time to move your savings out of the crosshairs is BEFORE a crisis hits.

See the 4 steps to protect your money right here.

Good luck and God bless!

Martin D. Weiss, PhD
Weiss Ratings Founder

P.S. Every single time, the story has been the same. People go to sleep thinking their money is safe. They wake up to find their life savings decimated by government action. Do not let FedNow catch you sleeping. Get the 4 steps here and act on them now

BONUS READ

The move didn’t happen in isolation. The U.S. 10-year Treasury yield has pushed back above 4.3%, and that shift is starting to ripple through equities in a very familiar way. Higher long-term yields don’t just change bond prices — they change how everything else gets valued.

Quick take:

Start with the math. When the 10-year yield rises, the “risk-free rate” embedded in valuation models rises with it. That increases the discount rate applied to future cash flows, which in turn lowers the present value of those cash flows. For companies whose value depends heavily on future growth — or for sectors that rely on leverage — even a 20–30 basis point move can have an outsized effect on equity prices.

That’s exactly what’s happening now.

Look at Realty Income and Simon Property Group — both widely held income names. As the 10-year yield pushes above 4.3%, their dividend yields — typically in the 4.5%–6.0% range — start to look less compelling on a relative basis. Investors can earn comparable income in Treasuries with significantly lower risk. That shift forces a rebalancing, and the result is pressure on REIT valuations.

It’s not just about yield competition either. Real estate is one of the most interest-rate-sensitive parts of the market because it depends on financing. Higher yields feed directly into higher borrowing costs, which compresses margins, slows development activity, and reduces transaction volume. When mortgage rates are hovering close to 7%, affordability drops, and that feeds back into the broader property market.

The same dynamic is showing up in small caps.

Companies in the Russell 2000 tend to carry higher leverage and have less access to low-cost capital than large-cap peers. When yields rise, refinancing becomes more expensive, and interest expense starts to eat into earnings. That’s one reason small caps have lagged — not because growth prospects disappeared, but because the cost of sustaining that growth increased.

There’s also a liquidity component that often gets overlooked. Higher Treasury yields pull capital toward fixed income. When investors can earn 4.3%+ with minimal risk, the hurdle rate for equities rises. That doesn’t mean stocks can’t move higher, but it does mean capital becomes more selective. Lower-quality balance sheets and rate-sensitive sectors tend to feel that shift first.

Meanwhile, large-cap companies with strong cash flow and less reliance on external financing are holding up better. They’re less exposed to rising interest expense and more capable of self-funding growth. That divergence is becoming more visible as yields climb.

What makes this moment more nuanced is that yields are rising without a clear acceleration in economic growth. The 10-year isn’t moving higher because the economy is suddenly booming; it’s moving higher because inflation expectations remain sticky and supply dynamics in the Treasury market continue to matter. That combination — elevated yields without strong growth — tends to create friction for equities.

So where does that leave things?

If the 10-year stabilizes around 4.3%–4.4%, markets can adapt. Valuations reset, expectations adjust, and capital finds its footing. But if yields continue pushing toward 4.5% or higher, the pressure intensifies. Real estate, small caps, and other rate-sensitive areas would likely face continued headwinds, while capital keeps gravitating toward sectors with stronger balance sheets and more predictable cash flow.

For now, the message is straightforward. The cost of capital has moved higher again, and the market is recalibrating. Not everything reacts the same way, and that difference is where the movement is happening.

For informational and educational purposes only. Not investment advice. Trading involves risk, including loss of principal.