September 19, 20241 yr 6 minutes ago, Diehardfan said: Not much for us to agree on here. I can't disagree with you more on all fronts. Agree or disagree, polls back me up on it. https://news.gallup.com/poll/649397/democrats-drive-surge-election-enthusiasm.aspx Quote Democrats and Democratic-leaning independents are largely driving the surge in enthusiasm nationally. In March, 55% of Democrats and Democratic leaners said they were more enthusiastic than usual about voting; now, 78% are. Republicans and Republican leaners, who held a slight edge in enthusiasm in March, now trail Democrats by a significant margin, with their current 64% enthusiasm score up slightly from 59% in the spring. As a result of these changes, election enthusiasm has shifted from being at an average level in March to the highest Gallup has measured during a presidential election campaign. Gallup measured similarly high enthusiasm -- 67% -- in September 2020, October 2008 and August 2004 surveys. Democrats’ current level of enthusiasm is one percentage point shy of the group’s high in Gallup’s trend since 2000. That was the 79% measured in February 2008, when Barack Obama and Hillary Clinton were engaged in a spirited battle for the party’s presidential nomination. Enthusiasm subsided later that year, but by the end of the campaign, consistently more than seven in 10 said they were more enthusiastic than usual about voting. Democratic enthusiasm was also elevated during the 2004 and 2020 presidential campaigns. Republican enthusiasm about the 2024 election is approaching the record 70% measured in August 2020, when Donald Trump was seeking a second term as president. Republicans had similarly high levels of enthusiasm in the latter stages of the 2004 and 2012 elections.
September 19, 20241 yr Just now, Paul852 said: Someone is tracking the cell phones! we're gonna keep tossing BS against the wall and hope something sticks. what a strategy, cotton!
September 19, 20241 yr 46 minutes ago, Procus said: Do you know WHY? Please educate us on what usury laws are, what usury rates are, and the rates banks charge on credit cards. Usury laws are regulations that limit the amount of interest that can be charged on loans, including credit card debt. These laws vary by jurisdiction but generally set a maximum allowable interest rate, often called the "usury rate." However, credit card issuers are typically able to charge high interest rates without violating usury laws for several reasons: Federal preemption: In the United States, the National Bank Act and subsequent court decisions have established that federally chartered banks can "export" the interest rates allowed in their home state to customers in other states. This effectively allows them to choose the state with the most favorable interest rate laws. State-specific exemptions: Many states have specific exemptions for credit card issuers or certain types of lenders, allowing them to charge higher rates than would otherwise be permitted under usury laws. Contractual agreements: When a consumer agrees to a credit card's terms and conditions, they are entering into a contract that may include provisions allowing for high interest rates. Courts have generally upheld these agreements. Variable definitions of interest: Some jurisdictions distinguish between interest and other fees, allowing banks to charge additional fees that effectively increase the cost of borrowing without technically violating interest rate caps. Regulatory changes: The Depository Institutions Deregulation and Monetary Control Act of 1980 allowed federally insured state banks, savings and loans, and credit unions to charge interest at the highest rate allowed by the laws of the state where the institution is located. Interstate commerce: Credit card transactions often involve interstate commerce, which can make them subject to federal rather than state regulations. Risk-based pricing: Banks argue that higher interest rates are necessary to compensate for the risk associated with unsecured credit card lending, particularly for customers with lower credit scores. Disclosure requirements: As long as credit card issuers clearly disclose their interest rates and terms as required by laws like the Truth in Lending Act, they are generally considered to be operating within legal bounds.
September 19, 20241 yr 1 hour ago, mayanh8 said: Dude you tried to pin that Trumper not shooting at Trump on some Democrat cabal and your reasoning was that the CIA controlled immigration between Iran and Ukraine. I know all I need to know about how you'd react. You don't have a single non-partisan bone in your body.
September 19, 20241 yr 2 minutes ago, Next_Up said: Usury laws are regulations that limit the amount of interest that can be charged on loans, including credit card debt. These laws vary by jurisdiction but generally set a maximum allowable interest rate, often called the "usury rate." However, credit card issuers are typically able to charge high interest rates without violating usury laws for several reasons: Federal preemption: In the United States, the National Bank Act and subsequent court decisions have established that federally chartered banks can "export" the interest rates allowed in their home state to customers in other states. This effectively allows them to choose the state with the most favorable interest rate laws. State-specific exemptions: Many states have specific exemptions for credit card issuers or certain types of lenders, allowing them to charge higher rates than would otherwise be permitted under usury laws. Contractual agreements: When a consumer agrees to a credit card's terms and conditions, they are entering into a contract that may include provisions allowing for high interest rates. Courts have generally upheld these agreements. Variable definitions of interest: Some jurisdictions distinguish between interest and other fees, allowing banks to charge additional fees that effectively increase the cost of borrowing without technically violating interest rate caps. Regulatory changes: The Depository Institutions Deregulation and Monetary Control Act of 1980 allowed federally insured state banks, savings and loans, and credit unions to charge interest at the highest rate allowed by the laws of the state where the institution is located. Interstate commerce: Credit card transactions often involve interstate commerce, which can make them subject to federal rather than state regulations. Risk-based pricing: Banks argue that higher interest rates are necessary to compensate for the risk associated with unsecured credit card lending, particularly for customers with lower credit scores. Disclosure requirements: As long as credit card issuers clearly disclose their interest rates and terms as required by laws like the Truth in Lending Act, they are generally considered to be operating within legal bounds. Excellent! Now what are the rates banks are charging on credit card debt?
September 19, 20241 yr 1 minute ago, Procus said: Excellent! Now what are the rates banks are charging on credit card debt? The highest they legally can get away with. I'm not defending banks. I am pointing out that you say things that are wrong. Debating a Trumptard is like trying to get that little piece of egg shell out of the bowl after drop in the egg. You think you know where it is and then any action to try and get it moves it to another spot. All you do is move the goal posts. You are wrong about banks violating usary laws. That's it. You are wrong and you are a propagandist, not a rational thinker.
September 19, 20241 yr So now it's Political Interference by the guy Trump appointed. The outrage. Cult members. Republicans Are Livid About … the Fed Lowering Interest Rates "Why couldn’t this wait until the day after the election,” Stephen Moore, a Trump economic adviser, told Semafor on Wednesday. "Days before the election screams of interference.” Moore later told Sean Hannity that to make the move 50 days before the election "looks like political interference.” Fox Business host Larry Kudlow also complained that he didn’t understand "why they couldn’t have waited until the day after the election — which would have depoliticized the whole Fed story.” Right-wing commentators on X, formerly Twitter, are also alleging a conspiracy. The pro-Trump account "End Wokeness,” which boasts over three million followers, wrote that "The Biden-Harris fed just cut rates by its largest amount since the 2008 crash. Either the economy is about to crash OR they’re trying to rig the election.” Former presidential candidate turned Trump surrogate Vivek Ramaswamy wrote on X, formerly Twitter, that "The Federal Reserve cut interest rates massively, just 48 days ahead of the election. Thank god for the independence of the Fed!” "Funny how some of us last year predicted exactly this would happen,” he added. Rep. Andy Ogles (R-Tenn.) told Fox Business that the rate cut was "clearly political,” and evidence that the "out of control” Biden administration is "politicizing the Fed.” https://www.yahoo.com/news/republicans-livid-fed-lowering-interest-142311894.html
September 19, 20241 yr 23 minutes ago, Alpha_TATEr said: we're gonna keep tossing BS against the wall and hope something sticks. what a strategy, cotton! cell phone data shows they're bussing in the same group of likely paid individuals to every rally to make the crowds look bigger. It's Fing hilarious.
September 19, 20241 yr Just now, Kz! said: cell phone data shows they're bussing in the same group of likely paid individuals to every rally to make the crowds look bigger. It's Fing hilarious. Can we see this data?
September 19, 20241 yr 17 minutes ago, Paul852 said: Can we see this data? It's from a geo-tracking expert who specializes in that type of stuff.
September 19, 20241 yr 17 minutes ago, we_gotta_believe said: Maybe he's about to be convicted of 36 felonies. As we know, Republicans have a strict 35 felony cut off. Anything beyond that is a non-starter.
September 19, 20241 yr Leftists go a day without threatening or trying to kill conservatives challenge - impossible.
September 19, 20241 yr 25 minutes ago, Paul852 said: Can we see this data? The guy heard it from people! That’s basically eyewitness testimony. Just like how the pet eating immigrants were exposed.
September 19, 20241 yr 7 minutes ago, Kz! said: It's from a geo-tracking expert who specializes in that type of stuff. Soooooooo, can we see the data or nah?
September 19, 20241 yr 1 minute ago, Paul852 said: Soooooooo, can we see the data or nah? Only after the IRS finishes its audit
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