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. #251
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    tres borrachos's Avatar
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by justabubba View Post
    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
    The staff of the ICBA don't work for banks. They work for the ICBA. You may want to look at their website and navigate to the "staff" page where you can see the staff. I know someone who works there. He doesn't work for a bank. He works for the ICBA. They are an advocacy, a lobbying group (powerful in DC), and a place where member banks (who pay a hefty fee to join) get education, information, discounts, etc.

    What by your definition is an "independent bank", and what does it mean to NOT be an independent bank? Cardinal never said "community banks" which is what I was posting about. He said "independent banks".

  2. #252
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by Middleground View Post
    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.
    As would any community bank in this country.

  3. #253
    Pragmatist
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by Middleground View Post
    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.
    The blaming it on inner city lending defies even common sense. Did anyone on here see a housing bubble in the inner city of the city they live in? There are not that many McMansions going up in the poor minority high crime areas in American cities. Here in Kansas City I can certainly tell you there was no housing bubble east of Troost, but there sure as hell was one out in the cookie cutter burbs where upper middle class white families were able to buy a lot more house than they could reasonably afford.
    "You're the only person that decides how far you'll go and what you're capable of." - Ben Saunders (Explorer and Endurance Athlete)

  4. #254
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by Middleground View Post
    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.
    Why is that interesting? The federal government bailed out those banks. The large banks, which are swallowing up the small banks who didn't make the bad loans but are being constrained and regulated right out of the real estate lending business. Thank you for supporting my point, which was probably not your intent.

  5. #255
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by tres borrachos View Post
    As would any community bank in this country.
    Just as Warren has stated. Community banks don't have a level playing field in the 'free market'. They have to compete with sleezeball tactics of big banks. You should be first in line to support Warren.

  6. #256
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by tres borrachos View Post
    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.
    Got it, you will nor answer the rest of my posit..

    "Or did someone, who was supposed to look out for their financial institutions best interests, NOT looking out for the institutions best interests, instead looking at short term gains (bonus)?"

    INSTEAD focusing on the small hyperbole used to counter your hyperbole..

  7. #257
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by dad2three2001 View Post
    Got it, you will nor answer the rest of my posit..

    "Or did someone, who was supposed to look out for their financial institutions best interests, NOT looking out for the institutions best interests, instead looking at short term gains (bonus)?"

    INSTEAD focusing on the small hyperbole used to counter your hyperbole..
    Nobody at the big banks was acting smart, which is why they got the country in trouble. Do you not already know that?

    My posts aren't about saving the big banks. They are about Elizabeth Warren's CFPB driving out the smaller banks so the big banks are the ones left standing at the end of the day.

    You are arguing with me for the sake of arguing, but you apparently have no idea that the big banks are doing fine, and the small ones aren't - and won't. If you want the dangerous, irresponsible, powerful and very suspect big banks to get bigger, then please support Elizabeth Warren.

  8. #258
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by Amadeus View Post
    You're not thinking pragmatically. The problem exists, whether people were irresponsible, foolish, or retarded. Do you want another economic collapse caused by the exact same problem, or do you want sensible regulations that fix it?
    Well thank you for your evaluation of my ability to think, but I believe I'm being entirely pragmatic. I don't want another economic collapse caused by the exact same problem which is why I made the comment about Warren that I did. It sounds really good unless you understand that, in my opinion, she is not saying she will fix the problem that caused the crash but rather will just keep it with layers more of government on top of it. And I think, pragmatically, that such would be a recipe for more serious problem on down the road.
    "I think the best way of doing good to the poor, is not making them easy in poverty, but leading or driving them out of it." --Benjamin Franklin 1776

  9. #259
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    Re: Elizabeth Warren vs. Hillary Clinton

    Quote Originally Posted by AlbqOwl View Post
    Well thank you for your evaluation of my ability to think, but I believe I'm being entirely pragmatic. I don't want another economic collapse caused by the exact same problem which is why I made the comment about Warren that I did. It sounds really good unless you understand that, in my opinion, she is not saying she will fix the problem that caused the crash but rather will just keep it with layers more of government on top of it. And I think, pragmatically, that such would be a recipe for more serious problem on down the road.
    Didn't mean to insult you. If it came across that way, I apologize.

    I don't really buy a lot of what you're saying, but you do disagree respectfully, I can appreciate that.

  10. #260
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    Re: Elizabeth Warren vs. Hillary Clinton

    There are also very strict burdens on them as far as capital ratios which enable them to lend money. Those ratios are close to unrealistic, and as a result, they will even more than ever stop lending. That will hurt consumers and small businesses.
    Yes, I addressed this point but then you claimed you weren't talking about Basel III
    Another significant regulation is “Basel III,” an international framework for banking regulations, which U.S. regulators must decide how to adopt. Basel III includes increased capital standards, which means banks must hold more money in order to issue residential mortgages. Small banks worry this will hurt their business.

    Warren said Basel III should be applied to large financial institutions, not small banks. “There’s no reason to believe that current regulations are not completely adequate for managing the risks posed by small banks,” Warren said. “Basel III is about risks posed to the American economy, and that means how to reduce the risks posed by the large financial institutions. Small financial institutions do not pose the same risk.”

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