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post #1 of 36 (permalink) Old 12-10-2011, 07:11 AM Thread Starter
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Now it's 'Occupy foreclosed homes'

http://edition.cnn.com/2011/12/09/op...html?hpt=hp_c2

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post #2 of 36 (permalink) Old 12-10-2011, 08:22 AM
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I am not sure how I feel about this. What was the reason for the foreclosures? I only know of one way... You don't pay the mortgage. Soooo, who's to blame for that?

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post #3 of 36 (permalink) Old 12-10-2011, 08:25 AM Thread Starter
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Originally Posted by Sgt Danimal View Post
I am not sure how I feel about this. What was the reason for the foreclosures? I only know of one way... You don't pay the mortgage. Soooo, who's to blame for that?
Accountability is rare these days, it's always someone else's fault.
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post #4 of 36 (permalink) Old 12-10-2011, 08:41 AM
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post #5 of 36 (permalink) Old 12-10-2011, 08:57 AM
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Accountability is rare these days, it's always someone else's fault.
i def agree with you on the fact that it seems these days no body is accountable for their actions, i mean if you can sue and win that you bought a coffee and it was hot, we are in trouble.

however, i do not agree with the notion that OWS does not have validity.

the housing bubble was a sham-

i heard the idea somewhere that the way the banking and loan system is designed it functions similar to musical chairs- in the sense that the banks give out loans and the amount of money that the loans sum up to is theoretically greater than the amount of money circulating to repay it. so, when the music stops some people are left with out a seat, with out a means to repay, and the bank then claims their property and obtains actual wealth.

i get the feeling that all of the people who oppose the OWS message must be pro government bail outs... and by that against a free market.

the fact a bank can loan out 90% more than the money they actually have leads to problems. i dont think this is opinion. rate of inflation continues to increase beyond the compensations made in wages- this is not a good trend to stick with.


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post #6 of 36 (permalink) Old 12-10-2011, 09:03 AM
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Originally Posted by DepPravacion View Post
i def agree with you on the fact that it seems these days no body is accountable for their actions, i mean if you can sue and win that you bought a coffee and it was hot, we are in trouble.

however, i do not agree with the notion that OWS does not have validity.

the housing bubble was a sham-

i heard the idea somewhere that the way the banking and loan system is designed it functions similar to musical chairs- in the sense that the banks give out loans and the amount of money that the loans sum up to is theoretically greater than the amount of money circulating to repay it. so, when the music stops some people are left with out a seat, with out a means to repay, and the bank then claims their property and obtains actual wealth.

i get the feeling that all of the people who oppose the OWS message must be pro government bail outs... and by that against a free market.

the fact a bank can loan out 90% more than the money they actually have leads to problems. i dont think this is opinion. rate of inflation continues to increase beyond the compensations made in wages- this is not a good trend to stick with.

QFT! I completely agree, with the whole damn post.

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post #7 of 36 (permalink) Old 12-10-2011, 09:23 AM
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Hehe the way my economics teacher explained it is really good.

Banks loan money they dont have. And last time i checked my small credit card bill, i soent money i dont have. If its not good for me on a personal level, couldnt be good for a bank


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post #8 of 36 (permalink) Old 12-10-2011, 09:28 AM
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the part you miss brady however, is the fact that you engage in a contract with the bank.
so, they will loan you money they dont have, then expect to get that money back + interest and if you dont find money you dont have to pay it back they will TAKE something you do have from you. case in point, foreclosure.


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post #9 of 36 (permalink) Old 12-10-2011, 10:10 AM
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I may be wrong but foreclosures happen for another reason as well...(this doesn't happen to us in Canada, but I have heard about this in the States)

With economy fluctuations constantly - there are times when a bank gives you a mortgage for a home. Then with the economy dropping, the home is no longer worth what the bank originally gave you for it. So the bank wants to reclaim the difference so that they aren't in the negative.

Example: You bought a house for $200,000. Due to the bad Economy it's now only worth $150,000. You have made your payments, so now you have a balance of $190,000. The bank wants that $40,000 difference awfully fast or else your out.

In my opinion for these cases, it's not the peoples fault.

Opinions?
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post #10 of 36 (permalink) Old 12-10-2011, 10:11 AM
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isn't occupying a foreclosure called squatting?!?!?! :D


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post #11 of 36 (permalink) Old 12-10-2011, 10:17 AM Thread Starter
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i get the feeling that all of the people who oppose the OWS message must be pro government bail outs... and by that against a free market.
Nope, I think OWS has the wrong idea, and I refuse to be part of the 99%.

I also loathe Obama and his socialist agendas. His bailouts are going to be the death of our country as we spiral further into debt. Want welfare? take a drug test. Need two years of unemployment benefits? screw you, take a lesser job and rethink what you're doing. Have time to occupy a park for months? Why not spend that time bettering yourself and WORKING for a living.

I am part of the 53%. We are the people that work and pay taxes along with the mortgages that we got within our means. Just because a Porsche salesman can get me some creative financing and get me into that new car doesn't mean I can actually afford it. That's why I don't drive one, even though I certainly could.

We, the 53% are paying for the supposed 99%.

I'm not saying that the 1% are right, I'm saying that a lot of the 99% are just **** disturbers and hippies that found a new place to hang out.
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post #12 of 36 (permalink) Old 12-10-2011, 11:36 AM
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I am not sure how I feel about this. What was the reason for the foreclosures? I only know of one way... You don't pay the mortgage. Soooo, who's to blame for that?
There were some VERY devious/illegal practices by the banks regarding foreclosures. They did it in a way that people that payed their mortgages every month were forced out. It's quite outrageous. It's not only about not paying. Search "robo signers" in google. It's amazing people aren't in jail for this practice.

Read this if you wan't a more detailed description:
http://www.rollingstone.com/politics...wners-20101110
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post #13 of 36 (permalink) Old 12-10-2011, 12:44 PM
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Nope, I think OWS has the wrong idea, and I refuse to be part of the 99%.

I also loathe Obama and his socialist agendas. His bailouts are going to be the death of our country as we spiral further into debt. Want welfare? take a drug test. Need two years of unemployment benefits? screw you, take a lesser job and rethink what you're doing. Have time to occupy a park for months? Why not spend that time bettering yourself and WORKING for a living.

I am part of the 53%. We are the people that work and pay taxes along with the mortgages that we got within our means. Just because a Porsche salesman can get me some creative financing and get me into that new car doesn't mean I can actually afford it. That's why I don't drive one, even though I certainly could.

We, the 53% are paying for the supposed 99%.

I'm not saying that the 1% are right, I'm saying that a lot of the 99% are just **** disturbers and hippies that found a new place to hang out.
kudos for your 53% achievement-

i still hold to the idea that it is not about fuking hippies though. sure theyre there, mb theyre the only ones with time enough to be and thats cool with me.
but most of the rants from OWS i heard were talking about things like getting an audit on the fed or removing it, stopping gov spending and bail outs stop the police state stop all the corruption.

i get the feeling if you are for or against this thing it is starting to become trendy... people are coming up with clever ways to say they're way cooler than the OWS crap. to me all that means is that nobody is paying attention to what is going on.

we need drastic changes in this country i know we can agree on that.
we should not be in the biz of bailing out banks, insurance companies, car companies...

it is almost like ows is the new kim kardashian, and everybody is going to stand around and circle jerk claiming one side or the other, meanwhile our country is being sold to the highest bidders


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post #14 of 36 (permalink) Old 12-10-2011, 01:01 PM Thread Starter
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We need rebellion, and uprising to get their attention. Sitting in a park is bullshit. Quietly holding up a sign and hoping is childish. How many of those people will vote for Obama again?

Ron Paul baby!
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post #15 of 36 (permalink) Old 12-10-2011, 01:26 PM
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With economy fluctuations constantly - there are times when a bank gives you a mortgage for a home. Then with the economy dropping, the home is no longer worth what the bank originally gave you for it. So the bank wants to reclaim the difference so that they aren't in the negative.

Example: You bought a house for $200,000. Due to the bad Economy it's now only worth $150,000. You have made your payments, so now you have a balance of $190,000. The bank wants that $40,000 difference awfully fast or else your out.

In my opinion for these cases, it's not the peoples fault.

Opinions?
What about the other side of the coin? You bought a house for 200K and 3 years later it's worth 250K, does the bank have the right to be paid more money? Unfortunately, when you sign a contract, you're bound to it whether or not it turns out to be a bad deal... But you don't expect the system to be rigged against you.

So the crux of the problem is the fact that a lot of criminal things happened in the creating/processing of loans which created an abundance of cash and people looking for homes. It was artificial demand that caused the prices to rise much faster than inflation.

Everything was great until the whole thing unraveled, most people that bought homes during the bubble are sitting on an "investment" that's worth much less than there mortgage. The bankers largely don't care because they made their commissions and pushed the load down the road for someone else to deal with. That person down the road is your retirement fund/401k that took a beating because Wall Street hid all the risk...

More than anything else, it sickens me that no one has been held accountable for this crap. The American people got a REALLY shitty deal in all this and that's one of the many reasons why OWS protests are occurring.
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post #16 of 36 (permalink) Old 12-10-2011, 02:33 PM
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We need rebellion, and uprising to get their attention. Sitting in a park is bullshit. Quietly holding up a sign and hoping is childish. How many of those people will vote for Obama again?

Ron Paul baby!
I think the Occupy protests are great--it's about darn time Americans show a little emotion instead of just bending over. I haven't had a proper protest since the sixties, so we're a little unsure how to do this. My problem with my Occupy people is they don't quite understand what they should be mad at. We need to understand the real causes of many of our problems: the central banks and the revolving door between big business and government.

A lot of people in this thread are taking about the ridiculousness of banks lending 90-95% more than they even have--that's called fractional reserve banking. Our central bank, the Federal Reserve, makes fractional reserve banking possible, and that organization is also responsible for our boom and bust cycles. The Fed perpetuates boom and bust cycles by manipulating lending interest rates--something the market needs to determine for itself. The Fed also controls the money supply--when the government is short money, the Fed "prints" money by buying Federal government treasury bonds--among other things.

Then there's the revolving door between big business and government--this needs to stop because businesspeople go from Haliburton to Vice President and then support a bunch of legislation that benefits all their big business buddies. A symptom of this problem is the unlimited political campaign contributions corporations can give. And they do. Goldman Saches, a huge investment bank, was a top-five contributor to both Obama and McCain in 2008.
So don't think that it's all the Democrats' fault or it's all the Republicans' fault. Almost all the politicians are bought and paid for. I hear people say they understand this, but then they go vote for their favorite Dem or Repub so "the other guy doesn't win the election."

How about voting for principles you believe in instead of against something you don't believe in? There's no such thing as "wasting you vote!"

Corporations and politicians are not evil, but we need to be very careful what we allow our politicians and corporation heads' do.

Now I will plug this response with: Ron Paul 2012!
Ron Paul understands these issues better than anyone else in the arena right now. Please consider looking into his positions on issues. He doesn't have a easy-to-understand agenda full of one-liners, but I have found that when I open my mind to the issues he talks about, I end up agreeing with most of his conclusions, which is more than I can say for any other candidate.

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post #17 of 36 (permalink) Old 12-24-2011, 10:34 AM
 
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What about the other side of the coin? You bought a house for 200K and 3 years later it's worth 250K, does the bank have the right to be paid more money? Unfortunately, when you sign a contract, you're bound to it whether or not it turns out to be a bad deal... But you don't expect the system to be rigged against you.

So the crux of the problem is the fact that a lot of criminal things happened in the creating/processing of loans which created an abundance of cash and people looking for homes. It was artificial demand that caused the prices to rise much faster than inflation.

Everything was great until the whole thing unraveled, most people that bought homes during the bubble are sitting on an "investment" that's worth much less than there mortgage. The bankers largely don't care because they made their commissions and pushed the load down the road for someone else to deal with. That person down the road is your retirement fund/401k that took a beating because Wall Street hid all the risk...

More than anything else, it sickens me that no one has been held accountable for this crap. The American people got a REALLY shitty deal in all this and that's one of the many reasons why OWS protests are occurring.
I may be reading this wrong but are you implying that a house is an "investment" As in it will always be worth more than you paid for it?

I think this "investment" term did apply back in the 60's-70's as you were always going to make money once you owned a house. People need to realize there is nothing that says your house is worth more than you paid for it. Those that signed the papers said they would pay that amount on the house. Period, end of contract. Most forecloses came from those that were loaned 100%-110% of their homes value and on top of that they were given this loan without looking deeper into their credit history and Debt to income ratio. Lots did come from those losing jobs as well, that's a different story. Many of those that left their houses couldn't afford them in the beginning, they got a balloon mortgage and once the rate started going up they realized that with a rate higher than 4% that they signed on with that they will not be able to afford anything over 5-6%. It's simple. The banks were giving out loans to people that couldn't afford the house, they banks knew this but were told by the government that "everyone deserves a house" These loans were federally backs so were sold off as soon as they could so the banks were not under that many. Investors bought up these loans because they were Federally backed. Before the fed decided that the banks had approved too many people that can't afford a house it was too late.




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post #18 of 36 (permalink) Old 01-02-2012, 02:21 PM
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I know how I feel about this. This occupy movement got way out of hand a long time ago and should have been stopped a long time ago. These people have no shame and they are costing tax payers thousands of dollars by the day.
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post #19 of 36 (permalink) Old 01-02-2012, 02:45 PM
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So Speedy, you would like to see protests quashed? That would be incredibly un-American. We have the freedom of speech and assembly as recognized by the Constitution. We can't choose to allow only certain ideas because that paves the road to fascism/other isms.
What's your problem, specifically, with the Occupy Movement?

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We have the freedom of speech and assembly as recognized by the Constitution.
That doesn't include trying to occupy private property like houses.
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post #21 of 36 (permalink) Old 01-02-2012, 03:03 PM
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I have skimmed over this thread and it's responses, and here is my input;

Tyson, banks loaned FAR more than the 90% you claimed. Try closer to 900%. That's where the problem lies.

There are quite a few people/families in which voluntary foreclosure was in their best interest. If their house is worth $200k+ less than what they owe, why on Earth would you keep paying on it? Live "rent-free" in the house for the 18-24 months it'll take the bank to actually process your foreclosure correctly, and then move out.

I do not know the goal of the "Occupy Foreclosures" movement. I'm sure it's real similar to the OWS goal. There really isn't one. The 1% will continue to be the 1%, and the rest will continue to complain about it. Only now, everyone has a false sense of self worth, and refuses to hold themselves accountable for the situation they're in. Except the 1%. We know and are proud of what we did to get here. I blame myself for being in the 1%. Blame yourself if you're in the other 99.
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post #22 of 36 (permalink) Old 01-02-2012, 03:22 PM
 
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This should be the word to use for 2012 "accountability" Many do not know what this means, others don't care.




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Do these occupiers really have nothing better to do? No lives if ya ask me. Make something of yourself and quit expecting things to be handed to you.
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Some have jobs but most of them don't. Those that have a job most believe they should make the same amount as the person that owns the business. They should also have a car/house/pension/vacation/job security with no knowledge or skill set for the job they are doing. Everyone and everything should be equal.

They do not think or worry about work until they clock in, they have no drive to achieve anything more than where they are at now. They believe a college education with a degree in art studies gives them a 6 figure job when they get out. Business's will be calling them daily for job opportunities.




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post #25 of 36 (permalink) Old 01-02-2012, 04:09 PM Thread Starter
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I've made over 100K for many years, but I have no idea what a 40 hour week is.
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post #26 of 36 (permalink) Old 01-02-2012, 04:12 PM
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I work over 40hrs a week and go to school. I got no complaints. Drive a nice car and nice bike. All i listen to is people complain about how horrible things are. Nobodys fault but their own.
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I have a Cisco router in my house that keeps me on the data center network and a VOIP phone so people can call me by extension 24/7. I have worked my ass off to get where I am, and I am proud to be part of the 53% that pays taxes and makes their own way.
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post #28 of 36 (permalink) Old 01-04-2012, 01:53 PM
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The ANT AND THE GRASSHOPPER

OLD VERSION:

The ant works hard in the withering heat all summer long, building his house and laying up supplies for the winter.

The grasshopper thinks the ant is a fool and laughs and dances and play the summer away. Come winter, the ant is warm and well fed.

The grasshopper has no food or shelter, so he dies out in the cold.

MORAL OF THE OLD STORY:

Be responsible for yourself!



MODERN VERSION:

The ant works hard in the withering heat and the rain all summer long, building his house and laying up supplies for the winter.

The grasshopperthinks the ant is a fool and laughs and dances and plays the summer away.

Come winter, the shivering grasshopper calls a press conference and demands to know why the ant should be allowed to be warm and well fed while he is cold and starving.

CBS, NBC , PBS, CNN and ABC show up to provide pictures of the shivering grasshopper next to a video of the ant in his comfortable home with a table filled with food.

America is stunned by the sharp contrast.

How can this be, that in a country of such wealth, this poor grasshopper
is allowed to suffer so?

Kermit the Frog appears on Oprah with the grasshopper and everybody cries when they sing, It's Not Easy Being Green ..'

ACORN stages a demonstration in front of the ant's house where the news stations film the group singing, We shall overcome.

Then Rev. Jeremiah Wright has the group kneel down to pray for the grasshopper's sake.

President Obama condemns the ant and blames President Bush, President Reagan, Christopher Columbus, and the Pope for the grasshopper's plight.

Nancy Pelosi & Harry Reid exclaim in an interview with Larry King that the ant has gotten rich off the back of the grasshopper, and both call for an immediate tax hike on the ant to make him pay his fair share.

Finally, the EEOC drafts the Economic Equity & Anti-Grasshopper Act retroactive to the beginning of the summer.

The ant is fined for failing to hire a proportionate number of green bugs and, having nothing left to pay his retroactive taxes, his home is confiscated by the Government < Green>Czar and given to the grasshopper .

The story ends as we see the grasshopper and his free-loading friends finishing up the last bits of the ant's food while the government house he is in, which, as you recall, just happens to be the ant's old house, crumbles around them because the grasshopper doesn't maintain it.

The ant has disappeared in the snow, never to be seen again.

The grasshopper is found dead in a drug related incident, and the house, now abandoned, is taken over by a gang of spiders who terrorize and ramshackle the once prosperous and peaceful neighborhood.

The entire Nation collapses bringing the rest of the free world with it.

MORAL OF THE STORY:

Be careful how you vote in 2012

I Like My Guns Like Obama Likes His Voters: Undocumented

WherzRoony is offline  
post #29 of 36 (permalink) Old 01-05-2012, 09:28 AM
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Longs$$ post but made me laugh. Haha
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post #30 of 36 (permalink) Old 01-05-2012, 10:08 AM
awd-turbo
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my thoughts are this..

when you buy a house, and you pay 1500 a month for it when u make 2k a month... u are not doing the right thing. Just because you have been approved for a loan doesnt mean u can afford it... peoples accountability is the big issue.. when i bought my house i was approved for 140k loan.... no way in **** could i afford that. so i spent 60k on a house from what i could afford...

people need to accept that they fucked up, thought they could live the high life on a mcdonalds burger flipper salary... people and the instant gratification....
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