9/27/2009 10:22:13 PM
^^No, actually they are both hazy examples of indoctrination, except one is actually a problem.For evidence, see the dictionary:http://dictionary.reference.com/browse/indoctrinationAnd I apologize if I offended you. I didn't realize there would actually be a Glen Beck fan on here.
9/27/2009 11:19:49 PM
^^ bigun20 has never been one to let facts get in his way, why would he start now?
9/28/2009 12:27:40 AM
9/28/2009 9:06:22 AM
Breaking the Godwin's Law in the OP does you no good, OP.
9/28/2009 9:33:02 AM
9/28/2009 9:37:44 AM
Because it makes good headlines?
9/28/2009 9:39:29 AM
9/28/2009 9:39:50 AM
If you don't understand that we're now living in a Communist's dream, a Socialist paradise run by a Nazi administration bent on Fascism, then you obviously hate America.
9/28/2009 9:41:52 AM
9/28/2009 10:21:14 AM
I think the difference between holding the borrowers responsible and the parents is that in a loan scenario the loan officer is there to certify how much you can borrow and supposedly has more experience and a more accurate representation of what is realistic. In this situation no one is supposed to know more about your children than you.
9/28/2009 10:36:16 AM
I've always been taught that you never sign something you don't feel confident you understand. When you put ink to paper you're making a physical representation of the fact that you understand and agree to the document you're signing.I agree, there were unscrupulous loan officers and there were well intentioned but misguided loan officers, but the point of signing paper is . . . well . . . to accept responsibility.
9/28/2009 10:44:43 AM
9/28/2009 11:25:01 AM
So you don't enjoy watching Glenn Beck?Or you maybe watched it by accident and found yourself gayloving him a little?I'm an empath (the crazy sexy kind), and I'm just saying, I'm picking up on some serious loooove vibes.
9/28/2009 11:57:00 AM
9/28/2009 12:05:01 PM
9/28/2009 1:10:40 PM
9/28/2009 1:13:10 PM
In the event that the homeowner was told one thing and signed something that said that but then the bank did something against that contract, then sure thats misleading and the banks should be punished. Or maybe if they said it was a traditional 30 year fixed but then gave them an ARM. The people with no credit who went in and got magic loans at super low rates were just idiots that got duped. Yes the banks knew they were going to jack the fuck out of those interest rates and that the people who took those loans wouldn't be able to pay, but the people taking these loans are the same idiots who spend $texas calling psychic hotlines. We dont make that shit illegal. The psychics just have to brand it as entertainment and they're gtg. If these people read their contracts or knew what ARMs were to begin with they'd have known what to expect. This type of lending was encouraged by past administrations on all sides in the name of getting people into houses. Theres plenty of blame to go around, but to say the consumers are completely innocent is wrong.If we had let these institutions fail they'd be far less likely to use ARMs or other "tricky" loans in the future. Instead we ended up consolidating the industry into a few really large banks and we must now depend on the governement to fix the problem. As far as I see the best way to prevent it in the future would be to ban giving credit to people who cant afford to pay it back. Create strict lending rules that say for x ammount of credit the applicant must have a credit score of A, collateral of B, years of employment C, and income of D. If they dont meet that requirement they cant get credit. If someone does give them credit, they get fined and lose their license. It would make it very hard for people who cant pay it back to get credit, but would make the system much more stable.
9/28/2009 2:01:38 PM
I don't think it's fair to just talks about banks and consumers.The whole general tone of materialism, spurred on by marketing and advertising, is out of control.I mean, you guys talk about stupid people getting duped. I know two people who have walked away from their homes and stopped paying their mortgages. I know two other people who are considering doing the same. They've all been laid off and they all owe more than their houses are now worth. Another similarity between the four of them: they all own way more home than they actually need: "Oh, and this is going to be my office." Your office? I thought you had one of those at work???Back in the day, you had one extra room, and it was an office/baby room/guest room/home gym/crafts room. You don't have separate rooms for all these purposes. You have one room. Now, middle market, average homes are boasting two extra rooms on top of all the prepurposed guest rooms and offices just cause they can.And all the people I know in dire financial straits still think I'm crazy for living in a cheap dump. They're on the verge of bankruptcy, and they question my character, wondering what my defect is that I'm not on board the spending train. It's baffling.We can prevent these lunatics (that make up a majority of this country) from getting more loans. We can raise their credit card minimums and lower their limits. But we can't make them live modestly and save for retirment. We can't decrazify them. These people are going to end up costing us a lot of money (they're insatiable), and it's just as unsavory to me as the damn banks and corporations.I mean, as long as we were paying out for the poor, pitifully uneducated people, I was cool. Those people aren't irresponsible with money...they're just really fucking poor, and I want them to have full bellies and air conditioning. But the motherfucker with a college degree and two jet skis? No, I don't want to pay for him. And I don't want to see his numbers grow as we let advertisers walk all over us and destroy everything that made sense about our system.I have a paper to write, and I'm procrastinating. Thanks for tolerating my nonsense lately, guys.
9/28/2009 2:49:53 PM
Just for shits and giggles, I found this in a TWWers gallery:
9/29/2009 1:28:38 PM
Yes, both sides make stupid Godwin arguments. That doesn't make yours any less stupid.
9/29/2009 1:29:31 PM
9/29/2009 11:41:51 PM
9/30/2009 9:32:44 PM