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Frozented9

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Everything posted by Frozented9

  1. Frozented9
    They just know, they are all wise and all knowing because they have been around the game their whole life. [/sarcasm]
  2. Frozented9
    Credit requirements are set by the lenders not the government unless you are are talking about FHA loans. The government didn't say you have to start doing ninja (no income no job approved) loans. They didn't tell banks that you should have fake pay stubs and bank statements on loan officers computers to make anyone qualify for a loan. This was all because of packaging of the loan by the private sector and because of individual and collective greed. Read the lost bank about WAMU. Or just actually look at the numbers from 2000-2007. Loan originators started making a killing on subprime any really any type of mortgage and since they didn't have to care about accepting the risk down the line they approved everyone. Check out the rise in subprime lending since 2000. Now remember subprime was something that freddie and fannie had no imput on it is the closest thing to a true free market in mortgage industry during this time. As we know subprime loans were the biggest driver of the crisis. http://upload.wikimedia.org/wikipedia/commons/e/e0/Subprime_mortgage_originations%2C_1996-2008.GIF
  3. Frozented9
    Flashback: Private Sector Not GSEs Triggered Crisis | The Big Picture The housing crisis wasn't caused by the government.
  4. Frozented9
    Just got my insurance bill for next year went down $10 a month.
  5. Frozented9
    I'll try. ERA+ under Anderson 94 ERA+under Duncan 101.
  6. Frozented9
    I once met Anders Fog Rasmussen.
  7. Frozented9
    I hear the Volvo XC90 is good.
  8. Frozented9
    Here you go.
  9. Frozented9
    Totally agree the head of the IRS should be fired. I just don't believe in vast right or left wing conspiracy's.
  10. Frozented9
    What it though? These applications would ave not started coming in until after citizens united which was decided in 2010 and I would not think the applications would have started in mass for about 6 months. From my experience it can take 6-8 months for a realize how ****ed up the caseload situation is. This is based off of experience in the mortgage industry where we can see heavy volume out of nowhere with less than a weeks notice. If that happens to us it can take months to respond they way we know needs to. Just because it takes time to train people in and make them useful.
  11. Frozented9
    Re IRS scandal I don't know how many of you work for large corporations but to expect the head to know exactly is going on in any small section of that organization is naive. The IRS employs 100000+ people I would doubt that the section that did this is more than a couple hundred. In my experience the leader of that section would have been told I don't care how you move these cases just do it. These things just kinda happen no different than a banker making stupidly large risky bets because if he doesn't make his quota or beat the market his job is on the line.
  12. Frozented9
    Care to ask a question that isn't a stupid talking point? http://www.ritholtz.com/blog/2012/08/attacking-bain-for-wrong-reason/ Sure do you think Romney was actually good at his job?
  13. Frozented9
    I found this interesting. It be fun to see what stops this tide or if it just dies out on it's own. And how close this brings Mitt to Obama. Edit I tried to post a pic of the Chance of Winning graph at 538. http://fivethirtyeight.blogs.nytimes.com/
  14. Frozented9
    http://www.270towin.com/2012_election_predictions.php?mapid=zNU My prediction
  15. Frozented9
    I work in the mortgage industry and I run across people all the time who make 6 figures a year and pay no income tax. Are they dependent on the government?
  16. Frozented9
    If I remember right, he should know better.... Yeah am I making things up or did the last time RP tried this it ended up with a threesome and a cheating fiance?
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