Obama Releasing Birth Certificate Right Now

[falconticket]

how do you figure?

the biggest hurdle to home ownership for the poor is scrapping together a downpayment. bush removed that hurdle. then the subprime lenders swooped in and approved them without as much as proof that they could afford it.

recipe for disaster, thanks to bush.

Not so this is your skewed opinion. The biggest hurdle is qualifying for the loans credit and income and debt to income ratios. Not the down payment

[BiffTFinancial]

People who use terms like neocon are typically not intelligent enough to see thru the forest if you know what I mean.

to be fair, libs and libtards and Democraps and Demorats aren't much better. let's face it: people who drink the kool-aid on both sides are scary. anyone who aligns themselves absolutely as a Rep or a Dem is part of the problem. why? because at various points, they'll count you in the W column and focus on someone harder to win over. gotta be coy.

[falconticket]

True

[philswin]

actually, i was responding to someone else's ridiculous claims first, not changing the subject.

it's obvious no matter how much FACTS i post to show how fannie mae wasn't responsible, you keep toeing the neocon line. funny how all you self proclaimed "independents" always spew the same neocon lies as they do.

gse had nothing to do with this meltdown. it had everything to do with greedy lenders loaning money to borrowers who couldn't afford their homes. with phil gramm repealing banking regulations to stop such reckless lending and bush signing in to law welfare housing laws, the real estate market was doomed to failure, with or without gse.

in fact, in 2004, bush & sec relaxed rules allowing investment banks to increase the level of debt they were taking on, fueling the growth in subprime mortgage securities.

the top 5 us investment reported over $4 trillion in subprime debt for 2007.

clearly, gse was the least of the problems. this was all due to bush's policies.

I worked for both Freddie and Fannie for over 12 years combined and know a lot more than you could ever learn by googling articles. GSE had nothing to do with meltdown is a stupid statement. HUD/Govt was primarily responsible though. Did you google trillion dollar commitment yet? Didyou read anything about Cuomo yet? Give a try maybe you can learn a bit.

[mmike032]

any chance the mods could move this to the Give A Shit forum?

X2

[underthe total]

i am not racist as you might have suggested pal.

i hate all poor people equally.
i hate all dumb people equally.

these people are the ones that our country have to constantly deal with.

90% of these people are democrats.

there leaders prey on them to get voted in office. it is gross. unions, government employees, teachers, etc. the working middle class,
make up half of there party, the other half are the welfare degens of our society, broke, mad, and seeking what can the government do for them.

every problem we have ever had is the fault of the broke dick mfr in our country.
period.

the problems we have in our country all relates around having money.

[crustyme]

Not so this is your skewed opinion. The biggest hurdle is qualifying for the loans credit and income and debt to income ratios. Not the down payment

not during 2003-7.

[underthe total]

not during 2003-7.

you are right on this, i was an Loan officer for 12 years during these periods, and Ameridream, was a big part of the inflating housing prices.
When the program ended it removed too many first time buyers from the market, but they couldn't continue it based on the foreclosure irate they were experiencing.

[underthe total]

fannie mae did not have a credit score requirment
FHA allowed ameridream
freddie mac did not have a credeit score requirment

FHA was doing the no down payment loans creating a false buyer market. freddie and fannie were allowing 580 scores to refi to the false values being created by the large purchase market.

so not only purchae loans going bad so were refi loans.

no one at fault

free market economy, if everyone will stayt out of the way it will work its way out

the government does not need to do anything.

AND BTFW clinton started the programs of everyone owns there own home, geore w continued them.

[underthe total]

the sub prime mortgage loans were taken to market were the same loans that freddie and fannie were doing also.
the sub prime market was basically an overflow market.

you did not have to wait for the conventional loans to refi, they were faster to do because the rates were higher and these programs had less buyers.....

they were the same loans that fannie and freddie were doing. sub prime called em no doc and stated loans so they could charge more in rate.

if those same buyers could have goine a conventional route and got the same loan through fannie and freddie and got a lower rate and lower closing costs.

[nyed1010]

i am not racist as you might have suggested pal.

i hate all poor people equally.
i hate all dumb people equally.

these people are the ones that our country have to constantly deal with.

90% of these people are democrats.

there leaders prey on them to get voted in office. it is gross. unions, government employees, teachers, etc. the working middle class,
make up half of there party, the other half are the welfare degens of our society, broke, mad, and seeking what can the government do for them.

every problem we have ever had is the fault of the broke dick mfr in our country.
period.

the problems we have in our country all relates around having money.

There are idiots on both sides of the aisle, but conservatives take idiocy and hypocrisy to an entire different level. Give me one bad apple on the left side and I will give you 10 insane Republican counterparts.

[King Mayan]

i am not racist as you might have suggested pal.

i hate all poor people equally.
i hate all dumb people equally.

these people are the ones that our country have to constantly deal with.

90% of these people are democrats.

there leaders prey on them to get voted in office. it is gross. unions, government employees, teachers, etc. the working middle class,
make up half of there party, the other half are the welfare degens of our society, broke, mad, and seeking what can the government do for them.

every problem we have ever had is the fault of the broke dick mfr in our country.
period.

the problems we have in our country all relates around having money.

so all the people that get SS ,Medicare and soldiers are democrats... That's almost our whole budget...oh the guys getting less than 10% of the budget are the problem...

[philswin]

actually, i was responding to someone else's ridiculous claims first, not changing the subject.

it's obvious no matter how much FACTS i post to show how fannie mae wasn't responsible, you keep toeing the neocon line. funny how all you self proclaimed "independents" always spew the same neocon lies as they do.

gse had nothing to do with this meltdown. it had everything to do with greedy lenders loaning money to borrowers who couldn't afford their homes. with phil gramm repealing banking regulations to stop such reckless lending and bush signing in to law welfare housing laws, the real estate market was doomed to failure, with or without gse.

in fact, in 2004, bush & sec relaxed rules allowing investment banks to increase the level of debt they were taking on, fueling the growth in subprime mortgage securities.

the top 5 us investment reported over $4 trillion in subprime debt for 2007.

clearly, gse was the least of the problems. this was all due to bush's policies.

I certainly understand you cannot grasp the concept of being an Independant. In your view of the world Democrats are responsible for every good in the Country that has occurred, that is occurring, and will happen in the future. Republicans are to totally blame for everything bad that has ever happened or will ever happen basically everything is Bushes fault. Anyone who disagrees with that or says anything contrary is a NEOCON and should be immediatly dismissed.

[underthe total]

i am not talking isles. its much simpler than that.

these broker check collecting non working moffr's are voting for whomever gets them more freebie's.

what party does that?

[underthe total]

i said 90% of the broke no good people in our country that can vote or know how or where to vote are dem's

the ones that dont know how to vote are being educated by dem party

[BiffTFinancial]

i am not talking isles. its much simpler than that.

these broker check collecting non working moffr's are voting for whomever gets them more freebie's.

what party does that?

and the other party's base is money in the bank to show up in response to religious pandering based on same-sex marriage referenda and anti-abortion rhetoric and the like.

[philswin]

Most politicians that run for office have good intentions but sucked in by the extreme side of their party

[TexansFan]

I wonder why the Clinton's, back in 2004, stated that Obama wasn't a U.S. citizen. Imagine that, it was the Democrats that started the rumor he wasn't born here.

Any thoughts on that crustyass?

[TexansFan]

Most of you people posting in this thread are under 25 and don't know your ass from a hole in the ground. You kids are still brain-washed from your college professors. One day, when y'all get your big boy pants, will come to the realization that the everything you thought up until that point in your life is total bullshit.

[jarvol]

so all the people that get SS ,Medicare and soldiers are democrats... That's almost our whole budget...oh the guys getting less than 10% of the budget are the problem...

SS and Medicare aren't rights. Phase them out. And stop the failed foreign policy of attacking and invading countries that neither attack nor threaten the US. It ain't hard.

[BiffTFinancial]

SS and Medicare aren't rights. Phase them out. And stop the failed foreign policy of attacking and invading countries that neither attack nor threaten the US. It ain't hard.

agree 100% re: foreign policy.

as a matter of fact, SS and Medicare are rights. we pay into each of them with each of our paychecks. they were instituted, in part, because americans won't save for retirement unless you make them do so, and because old people get sick and die and it's very expensive and we can't have people having to pull the plug on their loved ones to avoid bankruptcy. bottomline: society abhors having old, homeless, sick poor people, and that's what we'd have if you got rid of SS and Medicare. can SS and Medicare be abused? of course, but that doesn't mean that you end them entirely. a civilized society has to take care of its old and its sick in a civilized manner. a major part of the problem is that the same medical care being provided 10-20 years ago costs 2-5 times what it did. the other part is that we all live too long.

[philswin]

and decrease aid to foreign countries until we eliminate deficit, do something about illegal immigration, protect individuals personal freedoms, implement fair and clear regulations to protect the people, create business frirendly enviroment so small business can succeed and larger businesses can compete overseas, reward business that keep jobs in US. and reduce the tax burden on wage earners.

[King Mayan]

Most of you people posting in this thread are under 25 and don't know your ass from a hole in the ground. You kids are still brain-washed from your college professors. One day, when y'all get your big boy pants, will come to the realization that the everything you thought up until that point in your life is total bullshit.

This coming from a muthafukka that voted for bush +12 years...

[falconticket]

agree 100% re: foreign policy.

as a matter of fact, SS and Medicare are rights. we pay into each of them with each of our paychecks. they were instituted, in part, because americans won't save for retirement unless you make them do so, and because old people get sick and die and it's very expensive and we can't have people having to pull the plug on their loved ones to avoid bankruptcy. bottomline: society abhors having old, homeless, sick poor people, and that's what we'd have if you got rid of SS and Medicare. can SS and Medicare be abused? of course, but that doesn't mean that you end them entirely. a civilized society has to take care of its old and its sick in a civilized manner. a major part of the problem is that the same medical care being provided 10-20 years ago costs 2-5 times what it did. the other part is that we all live too long.

I dont think that ss is a problem at all. The problem is that are good representatives in Washington borrowed and spent all the money. What right did they have to do that. Now they cant pay it back. They should be put in jail with madoff.

[jarvol]

as a matter of fact, SS and Medicare are rights. we pay into each of them with each of our paychecks. they were instituted, in part, because americans won't save for retirement unless you make them do so

PERSONAL RESPONSIBILITY.......America needs to re-introduce it with a quickness.

SS and Medicare aren't optional. I can't choose to opt out, and the gov't sure isn't putting my money in an account with my name on it. What I pay this month gets paid out to somebody else next month. They are broke down ponzi schemes underfunded by $107 TRILLION dollars.

[BiffTFinancial]

PERSONAL RESPONSIBILITY.......America needs to re-introduce it with a quickness.

SS and Medicare aren't optional. I can't choose to opt out, and the gov't sure isn't putting my money in an account with my name on it. What I pay this month gets paid out to somebody else next month. They are broke down ponzi schemes underfunded by $107 TRILLION dollars.

that's what i'm saying. you can't opt out, and you paid in, so you really do have a right to those benefits. we can talk about personal responsibility, but Social Security is post-Depression legislation, so this is something that (i assume) predates both of us. civilized society won't tolerate old people dying destitute in the street of disease, and take away SS and Medicare, and that's what we'd have, and it wouldn't be due to the failings of those old people and their personal responsibility. i'm with you 100% that the government mismanaged the money, it's like a ponzi scheme, all that, but i don't see how getting rid of SS and Medicare improves the situation. what politician is going to stand up and introduce legislation to dismantle SS and Medicare? yes, logically, it saves us money, but with a very ugly result.

[underthe total]

and the other party's base is money in the bank to show up in response to religious pandering based on same-sex marriage referenda and anti-abortion rhetoric and the like.

work make your own g.d money and do what the **** you want to.

AND???????????

[cant call it]

All of them are your enemies

[underthe total]

i want to belong to a party other than these traditional parties

we need a new group of people 30's or younger.

[rocky mattioli]

fannie mae did not have a credit score requirment
FHA allowed ameridream
freddie mac did not have a credeit score requirment

FHA was doing the no down payment loans creating a false buyer market. freddie and fannie were allowing 580 scores to refi to the false values being created by the large purchase market.

so not only purchae loans going bad so were refi loans.

no one at fault

free market economy, if everyone will stayt out of the way it will work its way out

the government does not need to do anything.

AND BTFW clinton started the programs of everyone owns there own home, geore w continued them.

agree with the "free market economy" quote...




the democrats in congress blocked every effort to rein in f &fm.....it`s a damned shame it`s documented(depending upon your p.o.v.)......

[underthe total]

i have watch that made up shit before
i am telling you

government made buyers, non market created buyers caused it

stop looking, stop thinking, thats the answer

without them the values dont go up

clinton started it, Bush continued it.

[underthe total]

in 2004 the beginning of the end.

he was not the smart guy , he was a politician

the mortgage crisis was coming to a head

everyone at that time knew what was coming

but you cant put to an end when something like that is created.

POOR people were using the ameridream you take that away before the disaster and then you go racism

[19th Hole]

Most of you people posting in this thread are under 25 and don't know your ass from a hole in the ground. You kids are still brain-washed from your college professors. One day, when y'all get your big boy pants, will come to the realization that the everything you thought up until that point in your life is total bullshit.

Or you could let some gyro nco
take a can opener to your skull...
scoop out your brain and shit
in the cavity.
At ease soldier...

[Mikail]

[jjgold]

Obama is the worst Pres of all times