View Poll Results: Who would you rather have as president?

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  • Hillary Clinton

    19 32.20%
  • Elizabeth Warren

    40 67.80%
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Thread: Elizabeth Warren vs. Hillary Clinton[W:336]

  1. #241
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by dad2three2001 View Post
    "I guess it depends on your definition of stupid, which is broad. In terms of what I'm talking about in this thread, the stupid people were the ones who got themselves in trouble. One example I gave earlier were the people who made $50,000 a year and wanted to live in a $750,000 house, and took very foolish mortgages so they could do so." tres borrachos
    Um, very good. You repeated my post. Not sure why.

    The words "take a mortgage" and "take out a mortgage" are standard vernacular when speaking of the process of obtaining a 1-4 family residential loan secured by a primary dwelling.

  2. #242
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by tres borrachos View Post
    Tell you how many what? Banks went under in the 1940s? I showed you how many banks were around 30 years ago versus now. I'd like to do the research for you on banks that collapsed during the Depression, but I don't have any interest in that myself because it has nothing to do with Elizabeth Warren and the CFPB.

    You said community banks were doing fine the last 50 years, MG. I showed you that your statement was not accurate.
    I did not say that. I asked, "how many banks went under after the Great Depression reforms and the early 80s." Those years were very tightly regulated.
    No men are anywhere, and Im allowed to go in, because Im the owner of the pageant and therefore Im inspecting it, Trump said... Is everyone OK? You know, theyre standing there with no clothes. Is everybody OK? And you see these incredible looking women, and so I sort of get away with things like that.

  3. #243
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by cpwill View Post
    interesting but where is the twist:
    "At the core of the problem is the time-honored rule that where you live dictates where you go to school. Any policy that loosens the ironclad relationship between location-location-location and school-school-school would eliminate the need for parents to pay an inflated price for a home...A well-designed voucher program would fit the bill neatly."
    [emphasis added by bubba]
    we are negotiating about dividing a pizza and in the meantime israel is eating it
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  4. #244
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by justabubba View Post
    in no instance did i ask about the ICBA staff
    quit avoiding the question
    for what organizations do independent community bankers work
    you so pressed the issue earlier, now tell us
    You posted a link to the ICBA site, bubba. I didn't bring up the ICBA. You did. Not sure why, except you were trying to save Cardinal who used the words "independent bank" in his first post, then refused to explain what he meant. I'm guessing you googled "independent bank" and that's how you found the ICBA link.

    Community bankers work for community banks. I have no idea what an "independent community banker is". Is that as opposed to a "dependent community banker"?

  5. #245
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by Middleground View Post
    I did not say that. I asked, "how many banks went under after the Great Depression reforms and the early 80s." Those years were very tightly regulated.
    I have no idea. You need to research that yourself. I wasn't alive for the Great Depression.

  6. #246
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by AlbqOwl View Post
    Nice historical rewrite. Here's another version:

    . . . .Here at IBD, we've done more than a dozen pieces — most recently, in yesterday's paper — detailing how rewrites of the Community Reinvestment Act in 1995 under President Clinton, along with major regulatory changes pushed by the White House in the late 1990s, created the boom in subprime lending, the surge in exotic and highly risky mortgage-backed securities, and the housing boom whose government-fed excesses led to inevitable collapse.Despite this clear record, we're now besieged by enterprising journalists blaming Republican "deregulation" or the president's failure to recognize the seriousness of the problem or act. But these claims fall apart, as a partial history of the last decade shows.
    Bush's first budget, written in 2001 — seven years ago — called runaway subprime lending by the government-sponsored enterprises Fannie Mae and Freddie Mac "a potential problem" and warned of "strong repercussions in financial markets."
    In 2003, Bush's Treasury secretary, John Snow, proposed what the New York Times called "the most significant regulatory overhaul in the housing finance industry sincethe savings and loan crisis a decade ago." Did Democrats in Congress welcome it? Hardly.
    "I do not think we are facing any kind of a crisis," declared Rep. Barney Frank, D-Mass., in a response typical of those who viewed Fannie and Freddie as a party patronage machine that the GOP was trying to dismantle. "If it ain't broke, don't fix it," added Sen. Thomas Carper, D-Del. . . .

    . . . .In 2005, Fed chief Alan Greenspan sounded the most serious warning of all: "We are placing the total financial system of the future at a substantial risk" by doing nothing, he said. When a bill later that year emerged from the Senate Banking Committee, it looked like something might finally be done.

    Unfortunately, as economist Kevin Hassett of the American Enterprise Institute has noted, "the bill didn't become law, for a simple reason: Democrats opposed it on a party-line vote in the committee, signaling that this would be a partisan issue. Republicans, tied in knots by the tight Democratic opposition, couldn't even get the Senate to vote on the matter."
    Had they done so, it's likely the mortgage meltdown wouldn't have occurred, or would have been of far less intensity. President Bush and the Republican Congress might be blamed for many things, but this isn't one of them. It was a Democratic debacle, from start to finish.
    RealClearMarkets - Don't Blame Bush for Subprime Mess
    Being that the housing bubble was largely in the middle class to wealthier suburbs, and not in the inner city, it is the height of absurdity to assert that the Community Reinvestment Act had much of a role. Moreover, the housing bubble was not restricted to the United States, nor was it restricted to residential real-estate as there was a huge commercial real-estate bubble as well. It all traces back to the deregulation of credit default swaps in the late 90s / early 2000s. This created a situation where a lender did not have to concern themselves with whether a loan would be repaid or not, as they would then take mortgages, bundle them into securities, and then back them with unregulated default swaps. Blame lies with both parties and more than one administration.
    Last edited by SouthernDemocrat; 06-15-14 at 07:37 PM.
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  7. #247
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by tres borrachos View Post
    You posted a link to the ICBA site, bubba. I didn't bring up the ICBA. You did. Not sure why, except you were trying to save Cardinal who used the words "independent bank" in his first post, then refused to explain what he meant. I'm guessing you googled "independent bank" and that's how you found the ICBA link.

    Community bankers work for community banks. I have no idea what an "independent community banker is". Is that as opposed to a "dependent community banker"?
    really? you insisted you are familiar with the Independent Community Bankers Association and yet now you tell us you cannot imagine that the members of that organization work for independent community banks
    too clever by half, tres borrachos
    we are negotiating about dividing a pizza and in the meantime israel is eating it
    once you're over the hill you begin to pick up speed

  8. #248
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by Middleground View Post
    I did not say that. I asked, "how many banks went under after the Great Depression reforms and the early 80s." Those years were very tightly regulated.
    Didn't Canada largely avoid the financial crisis due to their tightly regulated banking and financial sector?
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  9. #249
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by SouthernDemocrat View Post
    Being that the housing bubble was largely in the middle class to weather suburbs, and not in the inner city, it is the height of absurdity to assert that the Community Reinvestment Act had much of a role. Moreover, the housing bubble was not restricted to the United States, nor was it restricted to residential real-estate as there was a huge commercial real-estate bubble as well. It all traces back to the deregulation of credit default swaps in the late 90s / early 2000s. This created a situation where a lender did not have to concern themselves with whether a loan would be repaid or not, as they would then take mortgages, bundle them into securities, and then back them with unregulated default swaps. Blame lies with both parties and more than one administration.
    Bingo, we have a winner here. Funny how those of who blame people for being stupid make no mention of the lender not even caring if the money got paid back. Interesting, indeed.
    No men are anywhere, and Im allowed to go in, because Im the owner of the pageant and therefore Im inspecting it, Trump said... Is everyone OK? You know, theyre standing there with no clothes. Is everybody OK? And you see these incredible looking women, and so I sort of get away with things like that.

  10. #250
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by SouthernDemocrat View Post
    Didn't Canada largely avoid the financial crisis due to their tightly regulated banking and financial sector?

    Correct. If I went to a bank asking to be mortgaged up to a million, they would have looked at my financials and laughed in my face.
    No men are anywhere, and Im allowed to go in, because Im the owner of the pageant and therefore Im inspecting it, Trump said... Is everyone OK? You know, theyre standing there with no clothes. Is everybody OK? And you see these incredible looking women, and so I sort of get away with things like that.

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