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Venture Capitalism at its best

42 posts
  1. Keith Lamb
    Keith Lamb avatar
    3 posts
    2/16/2012 1:02 PM
    I don't even fool myself that those who already have their minds made up will change them. Making loans based on solely where you live on a map is what they were trying to alleviate. Was it right to do? The intention was good, but I think a whole different class took advantage of this to buy bigger and better.

    Don't forget about all the mortgage backed securities the banks couldn't bundle fast enough to sell. Remember AIG? Credit default swaps to insure close to a 500 billion in mortgage backed securities. 60 billion were structured debt securities backed by subprime loans.

    Do you really think that all this was caused by low-income Americans taking out loans? Surely this had nothing to do with middle class and up taking out loans they had no business taking and getting wrapped up in the housing craze. Flip, flip, flip....

    Republicant's....Dumbacrats...whatever. Either party is going to do what's good for them in the end. "What's in it for me," is their first thought, not what is good for you and I. Those who ran the banks and investment firms laughed all the way to their private jet.



  2. Dennis Cook
    Dennis Cook avatar
    1 posts
    2/16/2012 2:02 PM
    Keith Lamb said: I don't even fool myself that those who already have their minds made up will change them. Making loans based on solely where you live on a map is what they were trying to alleviate. Was it right to do? The intention was good, but I think a whole different class took advantage of this to buy bigger and better.

    Don't forget about all the mortgage backed securities the banks couldn't bundle fast enough to sell. Remember AIG? Credit default swaps to insure close to a 500 billion in mortgage backed securities. 60 billion were structured debt securities backed by subprime loans.

    Do you really think that all this was caused by low-income Americans taking out loans? Surely this had nothing to do with middle class and up taking out loans they had no business taking and getting wrapped up in the housing craze. Flip, flip, flip....

    Republicant's....Dumbacrats...whatever. Either party is going to do what's good for them in the end. "What's in it for me," is their first thought, not what is good for you and I. Those who ran the banks and investment firms laughed all the way to their private jet.


    Yes Keith, this was caused by the subprime mortgage mess. Subprime means they werent good loans or in other words risky. They were forced to give them by the new regulations. So if the govt forces you to take crap, your obviously gonna try to get rid of that crap ASAP, hence bundling and selling the loans. No one would have had to bail anyone out had this never started in the first place and we would not have had a burst in the housing market



  3. Melvin Waldron
    Melvin Waldron avatar
    43 posts
    2/16/2012 3:02 PM
    Dennis,

    I can agree with you that there was a mistake made with the mortgages made to the low income, it sounds like it was made with good intentions. When it is probably looked at, the democrats where behind that mess, but as Keith stated, the middle class tried to take advantage of it as well, I know the last two times we bought houses, the banks were trying to encourage us to buy more then we wanted to spend, one of the guys on my crew said the same thing happened to him, his wife almost fell for it, until he explained the possible pitfalls, we didn't fall for it because we knew our typical medical expenses would make things too tight. Why were banks doing that with the middle class (and probably all people they were trying to loan too?) because and I can't prove it, but it is my opinion, the republicans allowed the deregulation or didn't put any safety nets on those loans to help their constituents make money selling the loans, they were smart enough to figure out how to make a ton of money, whether it was right or wrong. If they had the country in their best interest they should have said whoa, hold on here, let's think this thing out.

    I don't mind you hammering the democrats when they are to blame for something, but the blame doesn't just stop there, it is on both sides and that is what it seems you won't recognize.

    Mel

    Melvin H. Waldron III, CGCS, Horton Smith Golf Course, City of Springfield/Greene County MO

  4. Dennis Cook
    Dennis Cook avatar
    1 posts
    2/17/2012 7:02 AM
    Mel, I cant recognize the subprime mess as a repub problem when we were pointing out this situation all thru bushes term and Barney Frank and Chris Dodd were saying how great everything is. We had a dem controlled congress and Jimmy Carter to thank for the start of this mess.



  5. Melvin Waldron
    Melvin Waldron avatar
    43 posts
    2/17/2012 8:02 AM
    Dennis Cook said: Mel, I cant recognize the subprime mess as a repub problem when we were pointing out this situation all thru bushes term and Barney Frank and Chris Dodd were saying how great everything is. We had a dem controlled congress and Jimmy Carter to thank for the start of this mess.


    Dennis, if the republicans were noting it, then why didn't they introduce legislation to correct it? The democrats might have controlled congress, but if they thought it was going to create the economic mess we found ourselves in they should have pushed for it to get changed, so while they didn't create the mess they were as much at fault by not fixing it. Of course they might have been preoccupied by getting tax rates lowered, maybe their banking buddies were telling them no we don't need to fix it yet, (of course the democratic banking buddies were telling their side the same thing). I guess the only way to really see who is at fault is to go back and check every-one's voting record on the legislation.

    Mel

    Melvin H. Waldron III, CGCS, Horton Smith Golf Course, City of Springfield/Greene County MO

  6. Wahlin Scott B
    Wahlin Scott B avatar
    2/17/2012 8:02 AM
    [youtube">http://www.youtube.com/watch?v=kNqQx7sjoS8[/youtube">



  7. Sandy Clark
    Sandy Clark avatar
    0 posts
    2/17/2012 8:02 AM
    Every government program is started with good intentions. The problem with ALL government programs is they look at step A and say we have to create fairness, go to step B and say look at what a noble thing we are doing but they never take it to step C and look at unintended consequences and Step D, how are we going to pay for this forever with guaranteed increasing costs. When SS was started, people died by 65 about 90+% of the time. Nobody looked 50 years down the road and asked how will we pay for this if we have more people and they are living to an average age of something like 82! No back up plan of any real consequence has ever been approved, only band-aids because nobody wants to risk losing votes. Add all government programs together and look what has happened. At least we pay a % into SS ourselves and yet it is still pretty much bankrupt even today.



  8. Albert Kronwall
    Albert Kronwall avatar
    0 posts
    2/17/2012 11:02 AM
    The book "A Nation Of Moochers" by Charles Sykes should be required reading for all Americans. Our country has tipped the scales to more Takers than Makers since BHO has taken office.



  9. Canedo Alberto J
    Canedo Alberto J avatar
    2/17/2012 11:02 AM
    Let's play MARBLES in Las Vegas. Each State picks 4 guys to play. I will borrow my marbles from my 8 and 10 year old Nephews who play marbles at school all the time. Who says kids still don't play with Marbles. They are very popular at the shcool my Nephews attend. Anyone wanna play.



  10. Dennis Cook
    Dennis Cook avatar
    1 posts
    2/17/2012 12:02 PM
    Scott Wahlin, CGCS said: [youtube">http://www.youtube.com/watch?v=kNqQx7sjoS8[/youtube">


    I aint here preaching all the great things that Bush did, I never mentioned that Bush said anything. I said repubs were warning of this. Maybe i should have said conservatives and Bush was not a conservative



  11. Albert Kronwall
    Albert Kronwall avatar
    0 posts
    2/17/2012 12:02 PM
    Rather than Banter about who started it, how about focusing on who has a plan to fix it. Whats done is done we can't change that. We now need a plan to change the direction we are headed for the long haul, not just the next five or ten years. Tim Geithner admits the Dem plan is for the short term and then debt will go to infinity and beyond. I tried to post the youtube video of the budget hearing but it doesn't seem to be working. Here is the link http://youtu.be/s29X6Wm0J1Q

    [youtube">http://www.youtube.com/watch?v=s29X6Wm0J1Q[/youtube">



  12. Peter Bowman
    Peter Bowman avatar
    11 posts
    2/19/2012 11:02 AM
    Albert Kronwall said: The book "A Nation Of Moochers" by Charles Sykes should be required reading for all Americans.



    Andy,

    I'll be looking for it next time I go book shopping. I imagine Charles Sykes would include this in the next edition:

    http://www.foxnews.com/politics/2012/02 ... s-run-out/



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