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Baldy wrote: ↑Sat May 21, 2022 7:11 am

That pretty much nails it..

Buckle in folks, they're gonna do it again...

Baldy wrote: ↑Wed May 25, 2022 5:33 am Buckle in folks, they're gonna do it again...

This ain't nothing, my first mortgage was 10.5%.

I made it work, why do you deserve special treatment?

Baldy wrote: ↑Wed May 25, 2022 5:33 am Buckle in folks, they're gonna do it again...

Sounds like we need to securitize those loans.

kalm wrote: ↑Wed May 25, 2022 6:30 am

Baldy wrote: ↑Wed May 25, 2022 5:33 am Buckle in folks, they're gonna do it again...

Sounds like we need to securitize those loans.

They probably will. When it blows up again, the Donks will blame the Conks...again.

To me, it sounds like we don't need to make those loans in the first place.

While it's for Davos, I'm sure the percentage applies to our woke.

Baldy wrote: ↑Wed May 25, 2022 8:19 am

kalm wrote: ↑Wed May 25, 2022 6:30 am

Sounds like we need to securitize those loans.

They probably will. When it blows up again, the Donks will blame the Conks...again.

To me, it sounds like we don't need to make those loans in the first place.

Agreed.

Baldy wrote: ↑Wed May 25, 2022 8:19 am

kalm wrote: ↑Wed May 25, 2022 6:30 am

Sounds like we need to securitize those loans.

They probably will. When it blows up again, the Donks will blame the Conks...again.

To me, it sounds like we don't need to make those loans in the first place.

Guaranteed they will (and are). The lack of basic economic understanding in this administration is effing frightening.

AZGrizFan wrote: ↑Wed May 25, 2022 1:28 pm

Baldy wrote: ↑Wed May 25, 2022 8:19 am
They probably will. When it blows up again, the Donks will blame the Conks...again.

To me, it sounds like we don't need to make those loans in the first place.

Guaranteed they will (and are). The lack of basic economic understanding in this administration is effing frightening.

So we all agree that the loans shouldn’t be made. That’s the root that leads to further toxicity in the market, moral hazard, etc.

Do we also agree that homeownership increases GDP and grows the construction and finance industries? If so, how do we achieve increasing homeownership the right way?

kalm wrote: ↑Wed May 25, 2022 1:45 pm

AZGrizFan wrote: ↑Wed May 25, 2022 1:28 pm

Guaranteed they will (and are). The lack of basic economic understanding in this administration is effing frightening.

So we all agree that the loans shouldn’t be made. That’s the root that leads to further toxicity in the market, moral hazard, etc.

Do we also agree that homeownership increases GDP and grows the construction and finance industries? If so, how do we achieve increasing homeownership the right way?

Step one would be to promote personal savings instead of relying on government programs for retirement.

When the Marines go woke, the transformation is complete..

BDKJMU wrote: ↑Fri Jun 03, 2022 10:00 pm When the Marines go woke, the transformation is complete..

Transformation to what? Every other military who won wars with soldiers somewhere on the spectrum of human sexuality. As in every military and war in history?

Do you need a safe space?

Winterborn wrote: ↑Wed May 25, 2022 2:27 pm

kalm wrote: ↑Wed May 25, 2022 1:45 pm

So we all agree that the loans shouldn’t be made. That’s the root that leads to further toxicity in the market, moral hazard, etc.

Do we also agree that homeownership increases GDP and grows the construction and finance industries? If so, how do we achieve increasing homeownership the right way?

Step one would be to promote personal savings instead of relying on government programs for retirement.

And make usury illegal.

kalm wrote: ↑Sat Jun 04, 2022 7:16 am

BDKJMU wrote: ↑Fri Jun 03, 2022 10:00 pm When the Marines go woke, the transformation is complete..

Transformation to what? Every other military who won wars with soldiers somewhere on the spectrum of human sexuality. As in every military and war in history?

Do you need a safe space?

Nice red herring..

BDKJMU wrote: ↑Sat Jun 04, 2022 9:40 am

kalm wrote: ↑Sat Jun 04, 2022 7:16 am

Transformation to what? Every other military who won wars with soldiers somewhere on the spectrum of human sexuality. As in every military and war in history?

Do you need a safe space?

Nice red herring..

You posted it. I was asking sincere questions that you don’t want to answer. It’s ok.

kalm wrote: ↑Sat Jun 04, 2022 7:20 am

Winterborn wrote: ↑Wed May 25, 2022 2:27 pm

Step one would be to promote personal savings instead of relying on government programs for retirement.

And make usury illegal.

In what way?

Winterborn wrote: ↑Sat Jun 04, 2022 10:57 am

kalm wrote: ↑Sat Jun 04, 2022 7:20 am

And make usury illegal.

In what way?

Biblical. I agree with you on what SHOULD happen but usury laws of morals are about as realistic as putting the economic self reliance genie back in the bottle.

kalm wrote: ↑Sat Jun 04, 2022 11:33 am

Winterborn wrote: ↑Sat Jun 04, 2022 10:57 am

In what way?

Biblical. I agree with you on what SHOULD happen but usury laws of morals are about as realistic as putting the economic self reliance genie back in the bottle.

I guess I am still trying to understand how and in what cases you would ban them. If one is engaging in a higher risk business venture and one needs to borrow money, I do not have a problem with the loan interest rates following the risk.

You might need to spell it out for me using an example. I am a bit slow today.

Winterborn wrote:

kalm wrote: ↑Sat Jun 04, 2022 11:33 am Biblical. I agree with you on what SHOULD happen but usury laws of morals are about as realistic as putting the economic self reliance genie back in the bottle.

I guess I am still trying to understand how and in what cases you would ban them. If one is engaging in a higher risk business venture and one needs to borrow money, I do not have a problem with the loan interest rates following the risk.

You might need to spell it out for me using an example. I am a bit slow today.

It's his anti-Semitism coming out. Can we call him a facist now?

Sent from my Pixel 4a using Tapatalk

UNI88 wrote: ↑Sat Jun 04, 2022 8:38 pm

Winterborn wrote:
I guess I am still trying to understand how and in what cases you would ban them. If one is engaging in a higher risk business venture and one needs to borrow money, I do not have a problem with the loan interest rates following the risk.

You might need to spell it out for me using an example. I am a bit slow today.

It's his anti-Semitism coming out. Can we call him a facist now?

Sent from my Pixel 4a using Tapatalk

Winterborn wrote: ↑Sat Jun 04, 2022 11:51 am

kalm wrote: ↑Sat Jun 04, 2022 11:33 am

Biblical. I agree with you on what SHOULD happen but usury laws of morals are about as realistic as putting the economic self reliance genie back in the bottle.

I guess I am still trying to understand how and in what cases you would ban them. If one is engaging in a higher risk business venture and one needs to borrow money, I do not have a problem with the loan interest rates following the risk.

You might need to spell it out for me using an example. I am a bit slow today.

That’s kind of my point. People live beyond their means. They should spend less and save more. Sales of new homes, SUV’s, iPhones, tractors, and golf clubs come to halt.

In order to experience exponential economic growth lending becomes part of solution.

If living within their means is a cure, this would include financing. But that genie is out of the bottle.

For example, the Buy Now Pay Later market was $125 billion in 2021 and predicted to see massive growth. It also requires little in the way of credit checks or reporting to agencies which can skew economic numbers like household debt.

I’m not actually suggesting usury laws but their concept jives with your fiscal responsibility mindset, no?

kalm wrote:

Winterborn wrote: ↑Sat Jun 04, 2022 11:51 am I guess I am still trying to understand how and in what cases you would ban them. If one is engaging in a higher risk business venture and one needs to borrow money, I do not have a problem with the loan interest rates following the risk.

You might need to spell it out for me using an example. I am a bit slow today.

That’s kind of my point. People live beyond their means. They should spend less and save more. Sales of new homes, SUV’s, iPhones, tractors, and golf clubs come to halt.

In order to experience exponential economic growth lending becomes part of solution.

If living within their means is a cure, this would include financing. But that genie is out of the bottle.

For example, the Buy Now Pay Later market was $125 billion in 2021 and predicted to see massive growth. It also requires little in the way of credit checks or reporting to agencies which can skew economic numbers like household debt.

I’m not actually suggesting usury laws but their concept jives with your fiscal responsibility mindset, no?

If there is no usury, how do you earn interest on your savings? If there is inflation and your savings doesn't earn interest, the buying power of the money you save drops.

Sent from my Pixel 4a using Tapatalk

UNI88 wrote: ↑Sun Jun 05, 2022 8:54 am

kalm wrote:
That’s kind of my point. People live beyond their means. They should spend less and save more. Sales of new homes, SUV’s, iPhones, tractors, and golf clubs come to halt.

In order to experience exponential economic growth lending becomes part of solution.

If living within their means is a cure, this would include financing. But that genie is out of the bottle.

For example, the Buy Now Pay Later market was $125 billion in 2021 and predicted to see massive growth. It also requires little in the way of credit checks or reporting to agencies which can skew economic numbers like household debt.

I’m not actually suggesting usury laws but their concept jives with your fiscal responsibility mindset, no?

If there is no usury, how do you earn interest on your savings? If there is inflation and your savings doesn't earn interest, the buying power of the money you save drops.

Sent from my Pixel 4a using Tapatalk

Great questions. Isn’t usury actually defined as unreasonable interest? Can it not also lead to inflation?

Winterborn wrote: ↑Wed May 25, 2022 2:27 pm

kalm wrote: ↑Wed May 25, 2022 1:45 pm

So we all agree that the loans shouldn’t be made. That’s the root that leads to further toxicity in the market, moral hazard, etc.

Do we also agree that homeownership increases GDP and grows the construction and finance industries? If so, how do we achieve increasing homeownership the right way?

Step one would be to promote personal savings instead of relying on government programs for retirement.

What savings?

Groomers.