April 21, 20232 yr 2 minutes ago, JohnSnowsHair said: "Trump is as bad as other politicians" is a weird defense. Especially when his original point was that redistribution of wealth is bad.
April 21, 20232 yr 8 minutes ago, VanHammersly said: Trump saved America from socialism by signing off on $3T worth of socialism. ... and democrats universally wanted more. Fing ****.
April 21, 20232 yr 1 minute ago, Kz! said: ... and democrats universally wanted more. Fing ****. Wait, so you idiots are back to pretending that Trump's not a socialist? I guess you've accepted that his nomination is inevitable.
April 21, 20232 yr Just now, VanHammersly said: Wait, so you idiots are back to pretending that Trump's not a socialist? I guess you've accepted that his nomination is inevitable. This is such a retarded sequence of posts. I never said Trump was or wasn't a socialist, I just correctly pointed out that democrats are worse in every way conceivable. You said that Trump was a socialist because of Covid spending. I said OK, democrats universally supported his spending, and criticized him because he didn't spend more. Somehow your response to that was "you idiots are back to pretending Trump's not a socialist?" It really is like having a conversation with a retarded child.
April 21, 20232 yr Trump is a guy with authoritarian tendencies who doesn't know how to think long term about anything. That can make him a passable CEO depending on other factors, but it makes him a piss-poor president. A president isn't a CEO. A president needs to know how to work effectively within a system, which means he needs to have the ability to work well with others and court coalitions to bring them into enough harmony to pass legislation and maintain their mandate as executive. This isn't Trump. Trump is reactive and is ideologically ambiguous. He'll gladly sacrifice a core conservative principle within the vacuum of some poorly thought out decision, then tout that same principle to useful idiots followers at a rally minutes later. He's without scruples. It's the sort of mentality that makes the guy a joke, but an at times effective head of business. Just, again, a f***ing awful president.
April 21, 20232 yr 1 minute ago, Kz! said: This is such a retarded sequence of posts. I never said Trump was or wasn't a socialist, I just correctly pointed out that democrats are worse in every way conceivable. You said that Trump was a socialist because of Covid spending. I said OK, democrats universally supported his spending, and criticized him because he didn't spend more. Somehow your response to that was "you idiots are back to pretending Trump's not a socialist?" It really is like having a conversation with a retarded child. Actually, it started with you ripping on the redistribution of wealth, while forgetting that you whole-heartedly support it and will be happily voting for it in the next election.
April 21, 20232 yr 8 minutes ago, Kz! said: It really is like having a conversation with a retarded child. F off with that crap
April 21, 20232 yr 1 hour ago, Kz! said: Hmm, actual socialist policies being implemented right now as we speak or speculative ideas without any concrete plans for funding. This is a tricky one. They're both so similar. Roughly translated: Trump is a buffoon who isn't intelligent or tenacious enough to follow through on the stuff he says. Biden will actually do what he says
April 21, 20232 yr 5 minutes ago, Gannan said: Roughly translated: Trump is a buffoon who isn't intelligent or tenacious enough to follow through on the stuff he says. Biden will actually do what he says Also, this should be Trump's '24 slogan: Quote speculative ideas without any concrete plans for funding
April 21, 20232 yr 32 minutes ago, VanHammersly said: Actually, it started with you ripping on the redistribution of wealth, while forgetting that you whole-heartedly support it and will be happily voting for it in the next election. Absolutely, I rip socialist policies. You said it yourself, it's a binary choice. Neither is going to gut the federal government. The question is which one will implement less socialism? Will it be the guy who spent trillions during covid or the one who wanted him to spend more than that? Think hard, van, we believe in you! 25 minutes ago, Gannan said: Roughly translated: Trump is a buffoon who isn't intelligent or tenacious enough to follow through on the stuff he says. Biden will actually do what he says Yes, Biden is an unapologetic socialist who is actually actively implementing really stupid socialist policies.
April 21, 20232 yr It's insane how easy it was for dem politicians to get their lemmings to whole-heartedly support puberty blockers and genital mutilation for minors.
April 21, 20232 yr "Zephyr" Should we go ahead and post that in the Tell Me You're Crazy Without Telling Me You're Crazy Thread?
April 21, 20232 yr 13 minutes ago, Kz! said: Absolutely, I rip socialist policies. You said it yourself, it's a binary choice. Neither is going to gut the federal government. The question is which one will implement less socialism? Will it be the guy who spent trillions during covid or the one who wanted him to spend more than that? Think hard, van, we believe in you! When I said it was a binary choice that was what I assumed was an obvious joke. Of course it's not a binary choice (yes or no, etc). They're both socialists. Except Trump wants to not only maintain every entitlement program that Dems want to maintain but also add on brand new socialism in the form of communist cities/federal homeless tent cities/walls/whatever embarrassingly stupid idea he comes up with next (Settlement on Jupiter? Elevator to nowhere?). Yeah, it's a tough one. Who will implement less socialism, Kz?
April 21, 20232 yr 3 minutes ago, VanHammersly said: When I said it was a binary choice that was what I assumed was an obvious joke. Of course it's not a binary choice (yes or no, etc). They're both socialists. Except Trump wants to not only maintain every entitlement program that Dems want to maintain but also add on brand new socialism in the form of communist cities/federal homeless tent cities/walls/whatever embarrassingly stupid idea he comes up with next (Settlement on Jupiter? Elevator to nowhere?). Yeah, it's a tough one. Who will implement less socialism, Kz? Holy sheet you're retarded.
April 21, 20232 yr 2 minutes ago, VanHammersly said: When I said it was a binary choice that was what I assumed was an obvious joke. Of course it's not a binary choice (yes or no, etc). They're both socialists. Except Trump wants to not only maintain every entitlement program that Dems want to maintain but also add on brand new socialism in the form of communist cities/federal homeless tent cities/walls/whatever embarrassingly stupid idea he comes up with next (Settlement on Jupiter? Elevator to nowhere?). Yeah, it's a tough one. Who will implement less socialism, Kz? Trump. The answer would obviously be Trump. Now Im on record as saying I dont want him to run. But that's the answer to your question. Democrats and former Libertarians are single issue voters and that issue ia universally:. "would celebrities think Im cool if I had a beer with this candidate?" Thats it. No more, no less.
April 21, 20232 yr 2 minutes ago, Kz! said: Holy sheet you're retarded. We've been doing this long enough for me to know when you're conceding. I accept your concession, Kz.
April 21, 20232 yr 2 minutes ago, Mike31mt said: Trump. The answer would obviously be Trump. Right, Mike. The guy that spent more in a single term than any President in US history will spend responsibly this time.
April 21, 20232 yr 3 minutes ago, VanHammersly said: We've been doing this long enough for me to know when you're conceding. I accept your concession, Kz. "wHo wIlL iMpLeMeNt LeSs SoCiAlIsM Kz?" Folks, they really are this stupid. It's not an act.
April 21, 20232 yr 2 hours ago, JohnSnowsHair said: This was shared elsewhere.. I'd really like to see a source for this other than the Washington Times and a vague reference to "experts" who believe something. I don't doubt that Dems could further screw up housing financing, but I'd also like to see some reference to the actual rule change. The only rule change I see on FHFA's website is this one: DTS Conlonias Final Rule The effective date for that though is July 1, not May 1 as stated by the Washington Times. I don't see any other final rule changes, or even proposed rules open for public comment that seem to imply the above: https://www.fhfa.gov/SupervisionRegulation/RegulationFederalRegister/Pages/Rules-Notices.aspx It's real. There's a link to the actual report in the first link from Reason.https://www.mortgagenewsdaily.com/news/01192023-big-llpa-changes Quote Mortgage borrowers with good credit may face higher costs under a new scheme from federal mortgage associations Fannie Mae and Freddie Mac. The firms have released a new Loan–Level Price Adjustment (LLPA) Matrix for loans sold to them after May 1, 2023. Under the new matrix, borrowers with high credit scores will face higher mortgage fees than before and those with lower credit scores will face lower fees. "It's unprecedented," David Stevens, a former federal housing commissioner and former CEO of the Mortgage Bankers Association, told the New York Post. "My email is full from mortgage companies and CEOs [telling] me how unbelievably shocked they are by this move." The fee increase is unlikely to lead to significantly higher monthly mortgage payments for most borrowers. For instance, someone with a $400,000 loan and a 6 percent mortgage rate may wind up paying about $40 more per month, according to Stevens' calculations. But an extra $40 per month means an extra $480 per year. And over the whole course of mortgage repayment, a homeowner could wind up paying thousands of dollars more due to the fee shift. Regardless of what the shift means in terms of actual costs, it seems unfair that borrowers with extremely good credit are effectively being penalized while borrowers with lower credit scores are being rewarded. "This was a blatant and significant cut of fees for their highest-risk borrowers and a clear increase in much better credit quality buyers – which just clarified to the world that this move was a pretty significant cross-subsidy pricing change," Stevens said. "Overall, lower-credit buyers will still pay more in LLPA fees than high-credit buyers – but the latest changes will close the gap," notes the Post: Under the new rules, high-credit buyers with scores ranging from 680 to above 780 will see a spike in their mortgage costs – with applicants who place 15% to 20% down payment experiencing the biggest increase in fees…. LLPAs are upfront fees based on factors such as a borrower's credit score and the size of their down payment. The fees are typically converted into percentage points that alter the buyer's mortgage rate. Under the revised LLPA pricing structure, a home buyer with a 740 FICO credit score and a 15% to 20% down payment will face a 1% surcharge – an increase of 0.750% compared to the old fee of just 0.250%…. Meanwhile, buyers with credit scores of 679 or lower will have their fees slashed, resulting in more favorable mortgage rates. For example, a buyer with a 620 FICO credit score with a down payment of 5% or less gets a 1.75% fee discount – a decrease from the old fee rate of 3.50% for that bracket. Mortgage News Daily explained it this way in January when the changes were announced: The effective penalty for having a credit score under 680 is now smaller than it was. It still costs more to have a lower score. For instance, if you have a score of 659 and are borrowing 75% of the home's value, you'll pay a fee equal to 1.5% of the loan balance whereas you'd pay no fee if you had a 780+ credit score. But before these changes, you would have paid a whopping 2.75% fee. On a hypothetical $300k loan, that's a difference of $3750 in closing costs. Elsewhere in the spectrum, things got worse. Borrowers with higher credit scores will generally be paying a bit more than they were under the previous structure.…This doesn't necessarily come out of your pocket upfront as lenders can offer higher interest rates in some cases and pay these costs for you (but the costs are still there, and still technically being paid by you over time in the form of higher interest rates). Federal Housing Finance Agency Director Sandra L. Thompson called it "another step to ensure that [Fannie Mae and Freddie Mac] advance their mission of facilitating equitable and sustainable access to homeownership." https://www.fhfa.gov//Media/PublicAffairs/Pages/FHFA-Announces-Updates-to-Enterprises-SF-Pricing-Framework.aspx
April 21, 20232 yr 4 minutes ago, VanHammersly said: Right, Mike. The guy that spent more in a single term than any President in US history will spend responsibly this time. Spending alone doesnt mean "socialism" though does it? Biden is literally transferring wealth. Thats way worse.
April 21, 20232 yr 1 minute ago, Mike31mt said: Spending alone doesnt mean "socialism" though does it? Biden is literally transferring wealth. Thats way worse. Trump literally passed out federal checks to every American. Face it, Mike, they're both socialists. If Trump were a candidate for the Dems 10 years ago you would've called him a Communist.
April 21, 20232 yr 1 minute ago, VanHammersly said: Trump literally passed out federal checks to every American. Face it, Mike, they're both socialists. If Trump were a candidate for the Dems 10 years ago you would've called him a Communist. Youre being pedantic with this. This is like saying theyre either evil or good, when hardly anyone on the planet is only evil or only good. Trump had some capitalist initiatives, too. So does that make him a capitalist again? What is your purity test here? One single idea or initiative that you deem "socialist" makes them a socialist for life? Why isnt that a 2 way street with capitalism?
April 21, 20232 yr 2 minutes ago, Mike31mt said: Youre being pedantic with this. This is like saying theyre either evil or good, when hardly anyone on the planet is only evil or only good. Trump had some capitalist initiatives, too. So does that make him a capitalist again? What is your purity test here? One single idea or initiative that you deem "socialist" makes them a socialist for life? Why isnt that a 2 way street with capitalism? I'm holding Trump to the same standards you guys have held Democrats to for the last 40 years. Ya'll never cared about nuance before.
April 21, 20232 yr 11 minutes ago, vikas83 said: It's real. There's a link to the actual report in the first link from Reason.https://www.mortgagenewsdaily.com/news/01192023-big-llpa-changes https://www.fhfa.gov//Media/PublicAffairs/Pages/FHFA-Announces-Updates-to-Enterprises-SF-Pricing-Framework.aspx Pivoting to "and here why that's a good thing" from Riot Kitchen in 3...2...1...
April 21, 20232 yr 9 minutes ago, VanHammersly said: I'm holding Trump to the same standards you guys have held Democrats to for the last 40 years. Ya'll never cared about nuance before. Q: Isn’t it a fact that the president’s proposed budget proposes $4.7 trillion in new taxes? Sec. Yellen: It does propose significant additional taxes, yes. Q: $4.7 TRILLION? Sec. Yellen: Something like that, yes.
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