Americans have gotten so used to what banks do with their money they fail at some point to even notice what those things are.

For example, when you make a deposits most banks now hold back a portion of the money you have deposited on the grounds that the check has to be verified- even if it is a government check. Actually there is no verification done at all. All that has happened is that you have loaned the bank money for free.

Banks operate on 24 hour loans and this practice makes for the billions of dollars each year in free money--yours.

To add insult to injury you don't even know what amount was held back because it does not show up on your receipt and moreover, it does not, for many banks even show up on the bank statement.

It is not only a loan but an invisible loan with no audit trail. The bank knows most of us don't balance our check books and therefore they make billions by literally stealing our money.

Check your transactions at the ATM and check to see if any held back funds are really credited back to your account. Most don't. I know Chase doesn't and others as well. Here is a transaction which never hits the books. Danger, danger.

I have many other examples and we shall see what they are in the coming days.

I'll try to point out a few of these  issues in the next few days.

Then I will move on to exactly how the stock market is rigged against the small investor and the middle class.

I know. But sometimes you just have to get to the details of the bad news in order to see the whole picture.

That way if you decide to do something about it, you have the whole picture.