The constitution is a charter of negative liberties?

If you can\'t afford to have kids, you shouldn\'t be having them.  Kids are a huge responsibility, and you have to be ready for it.

There are rare cases where I think child support would be neccesary.

[Jumpman]

Congratulations, Obama wanted to create class warfare and he\'s done it.  He\'s instilled resentment towards the wealthy.

1. You believe in wealth redistribution, that\'s socialism.

2. If your miserable, get a better job.  If you don\'t have the skills, go to school.

I am a hardworking individual who is entitled to his earnings.  Everyone is entitled to the earnings their job provides, and if you don\'t like it change jobs.  Don\'t give me garbage about it being too hard or unreasonable.  I made a lot of sacrifices to get where I\'m at, but you think I should be paying for tax credits for people who didn\'t earn it.

We as Americans can\'t fix every problem.  There will always be people at the bottom.

LIFE ISN\'T FAIR, DEAL WITH IT.

It sounds unsympathetic, but socialism has been tried before, and it failed.

1. No, I believe in free health care and more regulations on the economy. And if that\'s socialism, then yes throw the RED SCARE on me, but the cold war is over and no one cares anymore. And btw, we\'re all in recession thanks to your kind of thinking. WAY TO GO

2. I don\'t have a job, I play poker for a living until I burn out hit rock bottom then find something. I live in Canada where if I get sick I\'m golden, even though I\'m the healthiest person I know.

You are not any more hardworking than the people who grind it out everyday fulfilling the necessary jobs yet can\'t pay for medication or something so ridiculously simple.

You aren\'t getting new taxes, so stfu about Obama taking money from you. You ain\'t upper class, you\'re just a donkey and you\'ll never reach the kind of success you dream of. Eyore. And admit it. You were some 14 year old punk named StyxKorn coming to an internet message board talking about how awesome your PS2 was. You\'re family was financially sound, don\'t act like Rocky The Retard.

1. No, I believe in free health care and more regulations on the economy. And if that\'s socialism, then yes throw the RED SCARE on me, but the cold war is over and no one cares anymore. And btw, we\'re all in recession thanks to your kind of thinking. WAY TO GO

Actually, we\'re in a recession because of Democrats.  The community reinvestment act, along with the government spending way too much money, and too much government intervention.  Get your facts straight buddy, and don\'t believe everything the MSM throws at you.  Read some books on economics.

2. I don\'t have a job, I play poker for a living until I burn out hit rock bottom then find something. I live in Canada where if I get sick I\'m golden, even though I\'m the healthiest person I know.

Good for you.

You are not any more hardworking than the people who grind it out everyday fulfilling the necessary jobs yet can\'t pay for medication or something so ridiculously simple.

Not my problem, get a better job.

You aren\'t getting new taxes, so stfu about Obama taking money from you. You ain\'t upper class, you\'re just a donkey and you\'ll never reach the kind of success you dream of. Eyore. And admit it. You were some 14 year old punk named StyxKorn coming to an internet message board talking about how awesome your PS2 was. You\'re family was financially sound, don\'t act like Rocky The Retard.

No I\'m not rich. But I get by.  Stop making other people\'s problems, my problems.  I was able to overcome my issues.

Oh and BTW, I saved over a years worth of allowance for that PS2.  I didn\'t expect my parents to just give it to me because I don\'t have any money.  I did the right thing, and I bought it myself.

Get over yourself.  Nobody likes you.

[Jumpman]

Actually, we\'re in a recession because of Democrats.  The community reinvestment act, along with the government spending way too much money, and too much government intervention.  Get your facts straight buddy, and don\'t believe everything the MSM throws at you.  Read some books on economics.

Good for you.

Not my problem, get a better job.

No I\'m not rich. But I get by.  Stop making other people\'s problems, my problems.  I was able to overcome my issues.

Oh and BTW, I saved over a years worth of allowance for that PS2.  I didn\'t expect my parents to just give it to me because I don\'t have any money.  I did the right thing, and I bought it myself.

Get over yourself.  Nobody likes you.

The Democrats actually favored the less regulation bit during the Clinton years, and the debt was decreasing...so yeah one of us needs to get our facts straight. And Carter implementing the CRA didn\'t do shit, it was the banks who fucked you.

Again you never actually come out and say it but you favor a poor and useless class. You want people to take the jobs no one else will take and you want to make sure they never see any help for it. But yeah not your problem, since Obama will not raise your taxes.

Glib thinking holds you back. If you believe in America then you\'ll also believe in Democracy. And guess who controls the vote. Tough break there.

I\'ll never get over myself because like you believe you are superior to everyone else who makes less money than you, I know I am superior to you. And unlike your unfounded arrogance and blind devotion to a useless sect of politics, my ideals are clean.

[Jumpman]

Isn\'t any form of changing the distribution of wealth redistributing of wealth thereby being socialist?

The Democrats actually favored the less regulation bit during the Clinton years, and the debt was decreasing...so yeah one of us needs to get our facts straight. And Carter implementing the CRA didn\'t do shit, it was the banks who fucked you.

Are you tired making a fool of yourself yet?  All the democrats are spewing is wanting more regulation, and it\'s been that way for years.  So yes, the person who needs to get their facts straight is you.  Here\'s another mis-statement on your part.  The CRA basically forced banks to meet their quota\'s of subprime loans.  So I blame the government for putting a gun to the head of the banks.  But go right ahead and continue with your leftist spinning of facts that you do oh so well.

Again you never actually come out and say it but you favor a poor and useless class. You want people to take the jobs no one else will take and you want to make sure they never see any help for it. But yeah not your problem, since Obama will not raise your taxes.

Stop misquoting me.  I favor people achieving success on their own.  I have faith in people being able to create their own success and not getting handouts from the government.  If this country was in such bad shape, why do people keep coming here?  That\'s right, to escape the oppression of their shitty government.  I believe people who settle for the "crappy jobs" have no one to blame blame but themselves.  The means for success are available, if your really unhappy with your job go for the promotion or take classes to improve your standing in this world.  Nothing comes free.  I have nothing but the utmost respect for people who make sacrifices to get where they are today.  You seem to think that people are stuck where they are in society and that there\'s no escape.  Your inciting class warfare.  Stop with the resentment towards the wealthy, they didn\'t do anything wrong.

Glib thinking holds you back. If you believe in America then you\'ll also believe in Democracy. And guess who controls the vote. Tough break there.

I do believe in America, I do believe in democracy... and democracy has led to the right person being elected the past forty years, most of whom were Republican.  I\'m sorry you\'ve been on the losing end most of your life... oh wait, you don\'t even live in America.

I\'ll never get over myself because like you believe you are superior to everyone else who makes less money than you, I know I am superior to you. And unlike your unfounded arrogance and blind devotion to a useless sect of politics, my ideals are clean.

I don\'t feel superior to people who make less money then me, in fact I am the definition of middle class, so I don\'t know where you get this one.  What you interpret as arrogance I see as disapointment.  Disappointment over the fact that people don\'t do enough to help themselves.  Disappointment over the fact that people turn to the government for help rather than helping themselves.  You can believe whatever you want.  I at least provide opinion backed by facts.  I believe in policies that work, and you need look no further than a history book to see that.  You say I\'m dated, I simply remember the old saying that history is bound to repeat itself, and there is no better predictor of the future than history.  Your ideals are not clean, they\'re utopian and unrealistic, you don\'t think about the consequences of policies for which you support.  You contribute nothing to these forums, you simply come in here to "stir the pot", and I\'m not the first one to take note of this today.

So I\'ll take your words of criticism with a grain of salt, because that\'s as much as your opinion means in this world.

Isn\'t any form of changing the distribution of wealth redistributing of wealth thereby being socialist?

Any time you take from one group of people and give to another group of people by government force, yes, then you have socialism.

[Jumpman]

Are you tired making a fool of yourself yet? All the democrats are spewing is wanting more regulation, and it\'s been that way for years. So yes, the person who needs to get their facts straight is you. Here\'s another mis-statement on your part. The CRA basically forced banks to meet their quota\'s of subprime loans. So I blame the government for putting a gun to the head of the banks. But go right ahead and continue with your leftist spinning of facts that you do oh so well.

Republicans have been in power....20 years since Carter left, and did nothing. But that\'s great blame 1976, but when the financial crisis occurs and a trillion dollar war is going on there\'s only one tangible person to blame.

Stop misquoting me. I favor people achieving success on their own. I have faith in people being able to create their own success and not getting handouts from the government. If this country was in such bad shape, why do people keep coming here? That\'s right, to escape the oppression of their shitty government. I believe people who settle for the "crappy jobs" have no one to blame blame but themselves. The means for success are available, if your really unhappy with your job go for the promotion or take classes to improve your standing in this world. Nothing comes free. I have nothing but the utmost respect for people who make sacrifices to get where they are today. You seem to think that people are stuck where they are in society and that there\'s no escape. Your inciting class warfare. Stop with the resentment towards the wealthy, they didn\'t do anything wrong.

Some people are stuck and you can\'t be naive enough to think otherwise.  But according to you all of them, every single one of them is perfectly capable of improving their position in life...at the cost of others? But that\'s fine having a ridiculously poor bottom class? Just say its necessary so we can move on.

This resentment toward the wealthy bit some of you are throwing around ain\'t sticking. None of us believe in socialism, communism, Marxism, or whatever. But countries like France, Canada, GB, Australia, they live healthier and longer than Americans. I\'ve always been a strong supporter of free health care because it\'s every person\'s right to breathe. You shouldn\'t put a price tag on someone\'s life or sickness. But hey, every first world country doing it...just ain\'t American so they\'re obviously wrong. Nothing besides what a bunch of slave owners wrote in 1786 makes sense.

I do believe in America, I do believe in democracy... and democracy has led to the right person being elected the past forty years, most of whom were Republican. I\'m sorry you\'ve been on the losing end most of your life... oh wait, you don\'t even live in America.

George W Bush...Nixon...solid dudes. Stone made movies into both of them so at least they can brag about that. Democracy will leave to the right person being voted in this year though. Not same "LETS DO THE SAME THING AGAIN AND HOPE FOR THE BEST" guy who\'s going to die in 3 years.

I don\'t feel superior to people who make less money then me, in fact I am the definition of middle class, so I don\'t know where you get this one. What you interpret as arrogance I see as disapointment. Disappointment over the fact that people don\'t do enough to help themselves. Disappointment over the fact that people turn to the government for help rather than helping themselves. You can believe whatever you want. I at least provide opinion backed by facts. I believe in policies that work, and you need look no further than a history book to see that. You say I\'m dated, I simply remember the old saying that history is bound to repeat itself, and there is no better predictor of the future than history. Your ideals are not clean, they\'re utopian and unrealistic, you don\'t think about the consequences of policies for which you support. You contribute nothing to these forums, you simply come in here to "stir the pot", and I\'m not the first one to take note of this today.

You\'re view on history and problem solving relates more to an Utopian nature than mine btw. The "glory days" are over, new problems arise.

My policies...are my own. Besides free health care I haven\'t said shit because I\'m not American, besides voting Obama is superior. I\'m just pointing out the flaws in your Ron Paul literate because its so fucking absurd. Every time someone brings someone up you go back to the well of BS and its kind of annoying. You\'re kind of a bitch. You refuse to vote for either candidate yet you ramble on about socialism and how Obama will cripple the country?

You should say, "because that\'s as much as your opinion means in this country", since you know, the rest of the world seems to share my idealistic Utopian views.

I\'m just happy your vote doesn\'t count.

Our system is broken, and I don\'t care for either candidate, but push comes to shove, I\'ll take more of the same over radicalism.  Anyone who denounces the constitution is committing treason in my eyes anyway.

[Jumpman]

Obama\'s gonna win either way, might as well move to Mexico and get an advance on real exploitation. Not the half ass American version.

What if he amends the constitution and puts some cool shit in replacing the outdated stuff? Like abolishing slavery? I\'ll openly admit that was a great amendment despite your extreme disapproval of it.

Obama\'s gonna win either way, might as well move to Mexico and get an advance on real exploitation. Not the half ass American version.

What if he amends the constitution and puts some cool shit in replacing the outdated stuff? Like abolishing slavery? I\'ll openly admit that was a great amendment despite your extreme disapproval of it.

I have nothing against ammendments, just people who dislike the bill of rights.

I can\'t wait for January 20th, the day Obama begins starts tearing this country apart, and people finally see him the fraud he truly is.  Don\'t say I didn\'t tell you so.

Here\'s another mis-statement on your part.  The CRA basically forced banks to meet their quota\'s of subprime loans.  So I blame the government for putting a gun to the head of the banks.  But go right ahead and continue with your leftist spinning of facts that you do oh so well.

Bullshit.  You are the one spinning facts. You\'re so desperate to find some way to blame Democrats for the economy, that you have to go back to Jimmy Carter?  Sorry, but that is absurd.

http://www.federalreserve.gov/dcca/cra/

[SIZE=+1]Evaluation of CRA Performance[/SIZE]
 The CRA requires that each depository institution\'s record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution\'s application for deposit facilities.  
  Neither the CRA nor its implementing regulation gives specific criteria for rating the  performance of depository institutions. Rather, the law indicates that the evaluation process  should accommodate an institution\'s individual circumstances. Nor does the law require  institutions to make high-risk loans that jeopardize their safety. To the contrary, the law  makes it clear that an institution\'s CRA activities should be undertaken in a safe and  sound manner.

Evidence indicates that CRA loans were mostly safe, responsible, and profitable for the lending institutions.  The bullshit subprime loans came mostly from institutions not covered by CRA.  


Michael S. Barr, in testimony before the House of Representatives:

http://www.house.gov/apps/list/hearing/financialsvcs_dem/barr021308.pdf

More than half of subprime loans were made by independent mortgage companies not subject to comprehensive federal supervision; another 30 percent of such originations were made by affiliates of banks or thrifts, which are not subject to routine examination or supervision, and the remaining 20 percent were made by banks and thrifts. Although reasonable people can disagree about how to interpret the evidence, my own judgment is that the worst and most widespread abuses occurred in the institutions with the least federal oversight.

As usual, the problem was insufficient regulation of financial institutions.  Now that this is exceedingly obvious, Republicans who previously got hard-ons for deregulation are pretending they actually favored increased government oversight, and this is somehow the Democrat\'s fault.  It\'s pathetic, and fortunately the majority of the US electorate understands that.  

Federal Reserve chair Ben Bernanke has stated that an underlying assumption of the CRA – that more lending equals better outcomes for local communities – may not always be true. However, he also notes that at least in some instances, "the CRA has served as a catalyst, inducing banks to enter under-served markets that they might otherwise have ignored".

In his statement before the same hearing, New York University economics professor Larry White stated that regulator efforts to "lean on" banks in vague and subjective ways to make loans is an "inappropriate instrument for achieving those goals." In a world of national banking enterprises, these policies are more likely to drive institutions out of neighborhoods. He stated that better ways to accomplish the goals would be vigorous enforcement of anti-discrimination laws, of antitrust laws to promote competition, and federal funding of worthy projects directly through an "on-budget and transparent process" like the Community Development Financial Institutions Fund.

Economist Stan Liebowitz wrote in the New York Post that a strengthening of the CRA in the 1990s encouraged a loosening of lending standards throughout the banking industry.[49] In a commentary for CNN, Congressman Ron Paul, who serves on the United States House Committee on Financial Services, charged that the CRA with "forcing banks to lend to people who normally would be rejected as bad credit risks."[55] In a Wall Street Journal opinion piece, Austrian school economist Russell Roberts wrote that the CRA subsidized low-income housing by pressuring banks to serve poor borrowers and poor regions of the country.

So there that goes... oh well, you tried.  Remember, perception always wins out over intention.  While you may perceive the CRA to be an effective tool for making loans that didn\'t force banks to make loans, in actuality it did.  I\'ll respect the words of the man who correctly predicted this crisis back in 2002.

[clips]

Nor does the law require institutions to make high-risk loans that jeopardize their safety. To the contrary, the law makes it clear that an institution\'s CRA activities should be undertaken in a safe and sound manner.

Those people that undertook those loans screwed themselves. Greed is what lead to this meltdown. The statement above clearly states when processing a loan, make sure you do not shoot yourself in the foot during the process...if the banks knew that certain people would not qualify, they should have been rejected....simple.

Now because of thier greed...the wealthy(wall st.) is stealing from the middleclass and poor to the tune of a 850 billion bailout...with over $400,000 of it already bein\' used for lavish trips for one of the big establishments(AIG)...yes people had some responsibility as well, but the banks could have avoided this mess by just saying no...but yet you complain of obama raisin\' taxes on the wealthy overall at about 3% on average?....like i stated before, raising the taxes to the time of the clinton years is not going to break these companies....they are only complaining because of greed,..they have more than enough money to follow thru with daily operations yet they still are unhappy with a plan that actually makes sense....at least to the middleclass.

 
As usual, the problem was insufficient regulation of financial institutions.  Now that this is exceedingly obvious, Republicans who previously got hard-ons for deregulation are pretending they actually favored increased government oversight, and this is somehow the Democrat\'s fault.  It\'s pathetic, and fortunately the majority of the US electorate understands that.  

Tonight, when you are in bed with your lover Barney Frank, roll over and ask him to be honest with you.