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Solkanar512
Dec 28, 2006

by the sex ghost

Massasoit posted:

A family member told me:

"the housing market collapse happened because banks were forced to give mortgages to minorities even if they saw they couldn't afford it."

What can I point to in order to refute that claim?

Also the movie, "The Big Short".

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Dead Cosmonaut
Nov 14, 2015

by FactsAreUseless

Massasoit posted:

A family member told me:

"the housing market collapse happened because banks were forced to give mortgages to minorities even if they saw they couldn't afford it."

What can I point to in order to refute that claim?

Ask him what % of those mortgages were done under CRA. (Hint: It's a very small #)

In all honesty, a lot of the housing bubble was fueled by policy and regulator changes done under the Federal Reserve and the SEC.

Ceiling fan
Dec 26, 2003

I really like ceilings.
Dead Man’s Band

Zombies' Downfall posted:

So here's a weird question I first thought about during the 2008 election of the Socialist Muslim Kenyan Devil Obama that's crossing my mind again because candidates like Trump and Clinton are so divisive and so vehemently despised by small groups without and within their parties: what the heck happens if a candidate for office is assassinated during the election? Does their running mate step in? Is there any official process for what's supposed to happen?

It's kind of an interesting scenario to consider, especially in terms of how it would affect voters and voting.

The next runner up in the primary becomes the nominee, loses the general, and the general election winner goes on to resign in disgrace.

Overall, not a good scenario.

Deified Data
Nov 3, 2015


Fun Shoe

Massasoit posted:

A family member told me:

"the housing market collapse happened because banks were forced to give mortgages to minorities even if they saw they couldn't afford it."

What can I point to in order to refute that claim?

Nothing, sadly.

Blowdryer
Jan 25, 2008

Deified Data posted:

Nothing, sadly.

No.


Dead Cosmonaut posted:

Ask him what % of those mortgages were done under CRA. (Hint: It's a very small #)

In all honesty, a lot of the housing bubble was fueled by policy and regulator changes done under the Federal Reserve and the SEC.

SpiderHyphenMan
Apr 1, 2010

by Fluffdaddy
I think that was meant as a "some people are just beyond reason and you have to accept it" thing.

lamentable dustman
Apr 13, 2007

🏆🏆🏆

https://twitter.com/thehill/status/697933411193876480

Guess you can't embed vines but I thought it was funny

Nonsense
Jan 26, 2007


The Hill commenters threatening people's lives over this.

Deified Data
Nov 3, 2015


Fun Shoe

SpiderHyphenMan posted:

I think that was meant as a "some people are just beyond reason and you have to accept it" thing.



Yes.

Someone who whips out a scapegoat like that isn't going to change their mind so easily. They already know they're wrong (if they have half a brain), they just need it to be true to justify their worldview. If it doesn't satisfy that need then it can't be true.

Pellisworth
Jun 20, 2005

lamentable dustman posted:

https://twitter.com/thehill/status/697933411193876480

Guess you can't embed vines but I thought it was funny

I'm sad he wasn't vaping hash oil

foobardog
Apr 19, 2007

There, now I can tell when you're posting.

-- A friend :)

Don't do it, Kanye! You'll tank your 2020 Presidential Campaign!

fishmech
Jul 16, 2006

by VideoGames
Salad Prong

lamentable dustman posted:

https://twitter.com/thehill/status/697933411193876480

Guess you can't embed vines but I thought it was funny

Duncan Hunter looks way less old than he did in his 2008 primary run.

RevKrule
Jul 9, 2001

Thrilling the forums since 2001

The Kansas supreme court didn't get the memo that Groundhog's day was last week and instead decided to call it today.
http://www.reuters.com/article/us-kansas-education-idUSKCN0VK290

quote:

The Kansas Supreme Court ruled on Thursday that the state's funding system for public education is unconstitutional and said it must be replaced by June 30 if schools are to remain open.

The court found in an 80-page ruling that the system approved by lawmakers in the Republican-controlled state legislature last year was inequitable, saying it had come up $54 million short in funding for schools in poor districts.

The court upheld a challenge by four school districts to the so-called block grant system, which replaced per-pupil funding, finding that system does not comply with the Kansas constitution.

Lacking a constitutional school finance system, schools in Kansas will not be able to operate after June 30, the court stated.

"Accordingly, the legislature's chosen path during the 2016 session will ultimately determine whether Kansas students will be treated fairly and the schoolhouse doors will be open to them in August for the beginning of the 2016-2017 school year," the court ruled.

Kansas lawmakers are debating the budget for the fiscal year that begins July 1.

The Kansas Supreme Court ruled almost two years ago that the state was breaching its mandatory duty to fully fund public schools. Plaintiffs in a lawsuit at that time said the state was under-funding education by at least $129.1 million for the year.

Republican Governor Sam Brownback and the legislature argued that lawmakers, not the courts, should establish public school funding levels. Some Democrats and other critics have said public school students are paying the price for tax cuts approved in recent years.

Brownback's office did not immediately respond with comment on Thursday's state Supreme Court ruling.

The Supreme Court ruling upholds a state court of appeals finding in favor of four school districts who argued that the block grant system of funding worked to the disadvantage of poor or under-achieving students.

The state Supreme Court held that lawmakers have relied on "wealth-based" disparities to deny certain districts money to which they were entitled.

ComradeCosmobot
Dec 4, 2004

USPOL July
Paul Ryan and House Republicans are making preparations for a lawsuit against President Obama. Again.

Sir Tonk
Apr 18, 2006
Young Orc
http://www.syracuse.com/us-news/index.ssf/2016/02/ted_nugent_anti-semitic_facebook_nra_pressure.html

quote:

The National Rifle Association is facing mounting pressure from gun owners to distance itself from longtime board member Ted Nugent after the "Cat Scratch Fever" rocker posted shocking anti-Semitic images and messages on Facebook.

On Monday, Nugent posted a photo of 12 prominent American Jews and accused them of being the driving force "behind gun control." The post called Michael Bloomberg the "Jew York City Mayor and also mentioned Sen. Chuck Schumer, Sen. Dianne Feinstein and Chicago Mayor Rahm Emmanuel, among others. He called them "punks" and said they would "deny us the basic human right to self defense and to keep and bear arms while many of them have paid hired armed security." An Israeli flag appears next to each photo.

The image has circled in white supremacist groups for years, according to the Anti-Defamation League.

In a later post, Nugent shared a photo of Nazis rounding up Jews, and described both Jews and gun control advocates as "soulless sheep to slaughter." He also described Jews who support gun control as "Nazis in disguise."

He also blasted Jews for the Preservation of Firearms Ownership after the group criticized his anti-Semitic post.

Nugent's stormfront posts appear to have gotten a bit more attention than he anticipated.

pacerhimself
Dec 30, 2008

by Fluffdaddy

Massasoit posted:

A family member told me:

"the housing market collapse happened because banks were forced to give mortgages to minorities even if they saw they couldn't afford it."

What can I point to in order to refute that claim?

There was not enough money in minority held mortgage loans to crash the economy like what happened. On its face it's just a dumb premise.

Islam is the Lite Rock FM
Jul 27, 2007

by exmarx
Ted Nugent making GBS threads all over the place? Well I never.

Technogeek
Sep 9, 2002

by FactsAreUseless
Some people clearly do not have enough to do.

quote:

The NFL has been accused of various misdemeanours down the years, from ignoring head trauma to failing to control its players off the field activities. Now we can add another problem to the list: allowing hate speech to be disseminated during the Super Bowl via the medium of song and dance.

That, at least, is the view of a group behind an Anti-Beyonc Protest Rally, which is due to take place on 16 February outside NFL headquarters in New York. Do you agree that it was a slap in the face to law enforcement? Do you agree that the Black Panthers was/is a hate group which should not be glorified? reads the groups posting on Event Brite. Come and lets stand together. Lets tell the NFL we dont want hate speech & racism at the Superbowl ever again! The group did not respond to the Guardians request for more information.

Wicked Them Beats
Apr 1, 2007

Moralists don't really *have* beliefs. Sometimes they stumble on one, like on a child's toy left on the carpet. The toy must be put away immediately. And the child reprimanded.

The real racism is that experienced by police officers.

Sir Tonk
Apr 18, 2006
Young Orc
#BLUELIVESMATTER

Space Gopher
Jul 31, 2006

BLITHERING IDIOT AND HARDCORE DURIAN APOLOGIST. LET ME TELL YOU WHY THIS SHIT DON'T STINK EVEN THOUGH WE ALL KNOW IT DOES BECAUSE I'M SUPER CULTURED.

Massasoit posted:

A family member told me:

"the housing market collapse happened because banks were forced to give mortgages to minorities even if they saw they couldn't afford it."

What can I point to in order to refute that claim?

http://www.nytimes.com/2009/06/07/us/07baltimore.html?_r=0

New York Times posted:

Wells Fargo, Ms. Jacobson said in an interview, saw the black community as fertile ground for subprime mortgages, as working-class blacks were hungry to be a part of the nations home-owning mania. Loan officers, she said, pushed customers who could have qualified for prime loans into subprime mortgages. Another loan officer stated in an affidavit filed last week that employees had referred to blacks as mud people and to subprime lending as ghetto loans.
[...]
The company put bounties on minority borrowers, Mr. Paschal said. By this I mean that loan officers received cash incentives to aggressively market subprime loans in minority communities.

So, banks did in fact give unaffordable mortgages to minority borrowers - but the mortgages were often unaffordable because they were pushing high-interest subprime loans onto borrowers who qualified for and could have afforded lower-interest loans, and they did it with gusto because it was profitable as poo poo.

(spoiler: they're going to come up with reasons why the lie-beral New York Times is lying and their racist fairytale is true. Expect to hear completely unsupported tales of what "must have" happened)

gradenko_2000
Oct 5, 2010

HELL SERPENT
Lipstick Apathy

Police officer is a race?

DemeaninDemon posted:

Ted Nugent making GBS threads all over the place? Well I never.

:pusheen:

funeral home DJ
Apr 21, 2003


Pillbug

DemeaninDemon posted:

Ted Nugent making GBS threads all over the place? Well I never.

I swear the Conservative Action Hero life cycle is nothing more than
  • Find conservative hero, bring them to the limelight to show their credentials/actions.
  • Have said person start screaming incoherently about a religion, sexual orientation and/or race and how much they hate them.
  • Distance yourself from said person and act like you have no loving clue who they are.

Over the last few months alone we had Bundy, Nugent, that fat clerk woman that refused to marry gays and other fine folks the republicans are trying to run away from. Hell, this has been going on for years. Anyone remember Joe the Plumber? Dude started making GBS threads on the Jewish and Mexicans as well. It's like an endless cycle for these people.

Wicked Them Beats
Apr 1, 2007

Moralists don't really *have* beliefs. Sometimes they stumble on one, like on a child's toy left on the carpet. The toy must be put away immediately. And the child reprimanded.

Ripoff posted:

I swear the Conservative Action Hero life cycle is nothing more than
  • Find conservative hero, bring them to the limelight to show their credentials/actions.
  • Have said person start screaming incoherently about a religion, sexual orientation and/or race and how much they hate them.
  • Distance yourself from said person and act like you have no loving clue who they are.

Over the last few months alone we had Bundy, Nugent, that fat clerk woman that refused to marry gays and other fine folks the republicans are trying to run away from. Hell, this has been going on for years. Anyone remember Joe the Plumber? Dude started making GBS threads on the Jewish and Mexicans as well. It's like an endless cycle for these people.

Joe the Plumber was the best because his name wasn't Joe and he wasn't a plumber.

Mitt Romney
Nov 9, 2005
dumb and bad

Litany Unheard posted:

Joe the Plumber was the best because his name wasn't Joe and he wasn't a plumber.

Also his income was no where near the $250,000 threshold for tax increases.

zoux
Apr 28, 2006

Mitt Romney posted:

Also his income was no where near the $250,000 threshold for tax increases.

Well, that's because if he made $1 more, he'd have to pay 10 times more taxes, due to Obama.

Boon
Jun 21, 2005

by R. Guyovich
Jesse Ventura was a Republican too

Eimi
Nov 23, 2013

I will never log offshut up.


Forever_Peace posted:

Holy poo poo, just heard Michael Shermer (with Skeptic Magazine, Scientific American, and Time) on todays "to the point", and apparently he's a avid Trump supporter.

Surprised that a leading "skeptic" would support Trump, I checked out his twitter.

Damnit Shermer why you gotta be a raging rear end in a top hat.

I know this is forever ago, but I just want to point out that Michael Shermer has a very bad history of things he does to women at Atheist conventions. I don't know if he's been convicted but I feel safe to say he's committed sexual assault, more than once. Really almost all the Atheist movement is really bad. I wouldn't be shocked to see Dick Dorkins and Sam Harris come out for Trump as they loathe Muslims as much as he does. I am very ashamed that these guys were a huge influence on me growing up because of how toxic they are in regards to Muslims and women.

His Divine Shadow
Aug 7, 2000

I'm not a fascist. I'm a priest. Fascists dress up in black and tell people what to do.

zoux posted:

Well, that's because if he made $1 more, he'd have to pay 10 times more taxes, due to Obama.

Isn't taxation in the US progressive, i.e. everything yo make under 250k is still taxed at the same rates as always, and if 250k> is in another tax bracket and you make $250,001, then you'd only pay the tax on that one dollar.

haveblue
Aug 15, 2005



Toilet Rascal

His Divine Shadow posted:

Isn't taxation in the US progressive, i.e. everything yo make under 250k is still taxed at the same rates as always, and if 250k> is in another tax bracket and you make $250,001, then you'd only pay the tax on that one dollar.

Yes, but try convincing your average voter of that.

gradenko_2000
Oct 5, 2010

HELL SERPENT
Lipstick Apathy

His Divine Shadow posted:

Isn't taxation in the US progressive, i.e. everything yo make under 250k is still taxed at the same rates as always, and if 250k> is in another tax bracket and you make $250,001, then you'd only pay the tax on that one dollar.

That's "the joke". People don't know that taxation is progressive.

Mitt Romney
Nov 9, 2005
dumb and bad

gradenko_2000 posted:

That's "the joke". People don't know that taxation is progressive.

What would it take to educate the American public on how marginal tax brackets work? They should heavily embed it in high school or something.

fknlo
Jul 6, 2009


Fun Shoe

RevKrule posted:

The Kansas supreme court didn't get the memo that Groundhog's day was last week and instead decided to call it today.
http://www.reuters.com/article/us-kansas-education-idUSKCN0VK290

This is going to get really good.

Paradoxish
Dec 19, 2003

Will you stop going crazy in there?
Are there any statistics on how well Americans understand progressive taxation? My own personal experience with fairly well educated people is screaming "not loving at all," but I've never found any good studies on the matter.

Assepoester
Jul 18, 2004
Probation
Can't post for 10 years!
Melman v2

ComradeCosmobot
Dec 4, 2004

USPOL July

I agree. A Super Bowl Halftime Show just isn't a Super Bowl Halftime Show without Up With People.

Teriyaki Koinku
Nov 25, 2008

Bread! Bread! Bread!

Bread! BREAD! BREAD!

Beyonce's new music video is a brilliant troll, it outs all of the closet racists. :allears:

Killer robot
Sep 6, 2010

I was having the most wonderful dream. I think you were in it!
Pillbug

Your Dunkle Sans posted:

Beyonce's new music video is a brilliant troll, it outs all of the closet racists. :allears:

What's interesting is how the ones that think they're clever dog whistle by just gushing about how awesome and "patriotic" and "respectful" Lady Gaga was.


Huge if true. :awesomelon:

Killer robot fucked around with this message at 09:31 on Feb 12, 2016

Rhesus Pieces
Jun 27, 2005

Your Dunkle Sans posted:

Beyonce's new music video is a brilliant troll, it outs all of the closet racists. :allears:

This applies to all sorts of things to be honest. Innocuous cereal commercials, multilingual Coke ads, a loving graham cracker ad with two dads in it, the list goes on.

Of course their open bigotry always ends up being the evil advertiser's fault (or Obama's) for "dividing America" and never an opportunity for self reflection about why your kids don't want to talk to you or be seen with you in public.

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Teriyaki Koinku
Nov 25, 2008

Bread! Bread! Bread!

Bread! BREAD! BREAD!

Rhesus Pieces posted:

This applies to all sorts of things to be honest. Innocuous cereal commercials, multilingual Coke ads, a loving graham cracker ad with two dads in it, the list goes on.

Of course their open bigotry always ends up being the evil advertiser's fault (or Obama's) for "dividing America" and never an opportunity for self reflection about why your kids don't want to talk to you or be seen with you in public.

Multiple things can out people as racists too, which are also good, I agree.

If these people could self-reflect, they would likely stop being racist. Why, just look at our resident DnD Libertarian super-star Jrodefeld! He's practically the poster child for racists incapable of introspection.

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