Think your bank deposits will always be 100% guaranteed by the FDIC? Think again.

These are the basics on deposit confiscation and how we got there:

■ You know that the EU-forced solution to the failure of banks in Cyprus is to require the Cypriot government to confiscate (“tax”) deposits. That news is everywhere you look; it’s not in dispute or doubt. The latest has depositor losses at 60% due to the bailout-related “one-time” tax.

■ “Confiscating deposits” is exactly the opposite of “insuring deposits,” which is what is required in the EU, and also offered by the FDIC (as the ads say, “your deposits are insured up to $250,000″).

■ The next monster taxpayer-financed bank bailout could spark a revolution. Find me anyone who isn’t a friend of Big Money who doesn’t hate the Bush-Obama bailout. Dem, Republican, Libertarian, frog-on-a-rock — no one liked the bailout.

■ This takes a taxpayer-financed bailout off the table as the next way to make bankers whole when they stumble.

■ But bankers are going to stumble soon, and big. The derivatives market is huge, and they’re aggressively reversing the tepid Dodd-Frank derivatives regulations as we speak. Of course, friends-of-big-banks in Congress are helping (that’s you, Ann Kuster).

■ So the next big bailout (which is coming) will have to come from somewhere else.

Guess where that “somewhere else” is? Deposits.

Instead invest in gold and silver and keep it in your physical procession not a bank safety deposit box.  Even pawn it for safe keeping.  You can barrow $10 on your valuables and just pay the interest off (2.5% every 4th month) and then renew the loan.  A cheap way to secure your items and keep it out of the banks.  Come see us at Calaveras Coin & Pawn downtown Angels Camp, CA 95222.